This Has Never Happened Before | Financial Audit

💰 *ENDING NEXT WEEK* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I CALLED HER EX WHO SHE BLAMED EVERYTHING ON* and he does not hold back, he completely exposes her BS and explodes... it's crazy, watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 01:15 Job & Income 04:00 How Is This All His Fault? 11:36 She's Allowed To Vote btw 18:25 Went To LA After The Breakup??? HMMM. 25:30 She's Getting A Degree.. TO Make Less Money LOL 36:00 It's Like Pulling Teeth lol 47:40 The Balance Is EVEN HIGHER?! 51:30 The World Is NOT Out To Get You 57:24 She's Too Good For Sandwiches?? 01:01:25 A Credit Card For Tuition Is Gnarly lol 01:10:55 Swifties Sure Are Something 01:16:50 Exposing Her Screen Time Is Wild 01:24:00 Yeah, Sell That Sh*t 01:28:24 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Speaker 01

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• 0:59Caleb Hammer?

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

• 1:03Speaker 03

  I kind of blame like my ex for like-

• 1:05Caleb Hammer?

  Oh, because we have no personal responsibility, of course.

• 1:09Speaker 03

  Didn't get tickets to see Taylor Swift in Miami, so they were doing a, like a giveaway if you had a Capital One card.

• 1:14Caleb Hammer?

  What? You opened a Capital One credit card just for the chance of a giveaway? Wasn't even to buy the tickets? What is wrong with you? I could never live my life like you. You are a broken individual.

• 1:23Speaker 03

  And then I also was like having like a crisis last year of like almost turning 30.

• 1:34Caleb Hammer?

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• 2:10Speaker 03

  Hi, my name is Kelsey. I'm 29 years old. I'm from central Florida, and this is Financial Audit.

• 2:17Caleb Hammer?

  Thanks for coming over to Austin. What do you do in Central Florida for a living?

• 2:21Speaker 03

  I'm a dispatcher.

• 2:22Caleb Hammer?

  What kind of dispatcher? What do you do?

• 2:23Speaker 03

  Like police, law enforcement.

• 2:25Caleb Hammer?

  Okay, that's the second time we've had that on the show. It was years ago. Very depressing job, but you know, oh wait, no, that's actually, that was a 911, just like call operator. So you're just dispatching, you're not actually taking the calls.

• 2:37Speaker 03

  I do both.

• 2:37Caleb Hammer?

  Oh, never mind. Depressing job. Okay. What do you make? Especially in Central Florida. You got some, yeah.

• 2:42Speaker 03

  Yeah, I make

• 2:43Caleb Hammer?

  Meth ones.

• 2:44Speaker 03

  Twenty eight something an hour.

• 2:46Caleb Hammer?

  Sake, man, I don't know how we're getting people to do that for 28 bucks an hour. But I mean, 28 bucks an hour isn't necessarily bad, but Central Florida has dramatically gone up in terms of cost of living. It's more stabilized, a trend down, but still not even close to where it was just a few years ago. And even so, $28 doesn't stretch as much there, but it's still halfway decent. But for that job, man, out of all jobs, it's absolutely a brutal one.

• 3:10Speaker 03

  Yeah, we're not even considered first responders, so.

• 3:13Caleb Hammer?

  Well, I guess you're not responding.

• 3:15Speaker 03

  No, but when you call 911, who do you talk to first?

• 3:17Caleb Hammer?

  Okay, so how many hours a week are you working?

• 3:19Speaker 03

  Well, it depends. We have like short weeks and long weeks, but every two weeks it's 84 hours.

• 3:25Caleb Hammer?

  Okay.

• 3:25Speaker 03

  And that's if I don't pick up overtime.

• 3:26Caleb Hammer?

  It's your account.

• 3:29Speaker 03

  Oh shoot, I did have it written down. Twenty.

• 3:33Caleb Hammer?

  Well, you budgeted, I assume. You have to budget it. You would know the number so you can survive.

• 3:40Speaker 03

  Yes, but like sometimes I work overtime, so like it depends and like.

• 3:44Caleb Hammer?

  Okay, how much overtime do you work?

• 3:46Speaker 03

  Well, it depends.

• 3:48Caleb Hammer?

  Usually, okay, what's your average pay? Your average pay?

• 3:50Speaker 03

  I want to say it's a little over like 2,000.

• 3:53Caleb Hammer?

  You want to say now, is it in reality? When we say a little over 2,000, are we saying 2,100, 2,200, 2,050, 2,000?

• 4:01Speaker 03

  No, without overtime, I want to say it's like just a

• 4:03Caleb Hammer?

  Yes, but there's overtime. So what is just the average?

• 4:06Speaker 03

  Consistent.

• 4:07Caleb Hammer?

  It's not consistent, but on average, how much do you bring?

• 4:12Speaker 00

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• 4:41Caleb Hammer?

  And per pay period.

• 4:43Speaker 03

  Um, probably like 2,100.

• 4:46Caleb Hammer?

  And that's every two weeks, every other week.

• 4:49Speaker 03

  Uh, every two weeks. So I bring in like 4,000 something a month.

• 4:53Caleb Hammer?

  Well, that would be 4,200.

• 4:55Speaker 03

  Okay, I'm not good at math.

• 4:57Caleb Hammer?

  Neither am I, but that the 2,100 times two is okay.

• 5:02Speaker 03

  Sounds good.

• 5:03Caleb Hammer?

  Yep. So 4,200 in Central Florida again.

• 5:09Caleb Hammer?

  Please, are you a dual income household or is that it? Okay, yeah, so $4,200 net, that is gonna be more difficult to make a living off of for sure. So what's going on? What are we talking about? Cause that, I mean, you could budget it. We could, we could, actually, we could budget that. It's just rents is gonna be a little chunky for you. So what's going on?

• 5:30Speaker 03

  Well, I kind of blame like my ex for like giving me a bunch of bad habits.

• 5:35Caleb Hammer?

  Oh, cuz we have no personal responsibility, of course. Okay, I would understand if it was like, I blame my ex for making me immediately having to get a place to live cuz we moved out, which went well for.

• 5:48Speaker 03

  No, we didn't live together, so.

• 5:49Caleb Hammer?

  Okay, then what the, like honestly, how, how, you're blaming someone you weren't even that?

• 5:54Speaker 03

  Well, we just had like very different finances and so like he loved.

• 5:58Caleb Hammer?

  Great. So he didn't rub off?

• 5:59Speaker 03

  No, he just.

• 6:00Caleb Hammer?

  Cuz we're completely different.

• 6:01Speaker 03

  No, but he liked eating out and like, didn't like, he like, he actually said like, he didn't like home cooked meals. So like, we would eat out all the time. So then I had the bad habit of eating out. And even when I tried to cook dinner, like he didn't like it. And so like.

• 6:12Caleb Hammer?

  Hey, great. When did he break up or?

• 6:15Speaker 03

  I broke up with him, but um.

• 6:17Caleb Hammer?

  That's what they all say.

• 6:17Speaker 03

  Like October, November, depending on how you look at it.

• 6:21Caleb Hammer?

  Girl, this is months ago. I understand transitionary period. Even two months, if I'm being generous. What the are you talking about? How long were you guys dating?

• 6:31Speaker 03

  Um, two to three years, depending on how you look at it.

• 6:32Caleb Hammer?

  Okay. Well, so I'm guessing three then. I don't know.

• 6:38Speaker 03

  Kind of.

• 6:38Caleb Hammer?

  What? Were you dating or not? I don't really give a. Okay, I can, I can understand lifestyles changing within a few years of being with someone. So I do understand that. That's what I was trying to establish. But even still, a month transition is reasonable. Two is stretching it, but I will accept it. We're what? Four? Five months later?

• 6:58Speaker 03

  Yeah.

• 6:58Caleb Hammer?

  The is going on? Why can't you just be a damn adult? You're 29. You're saying you couldn't struggle to not go into a Mickey D's versus standing in the kitchen? Not a woman thing. As a 29 year old adult, five months after a breakup? You couldn't handle that?

• 7:13Speaker 03

  Well, it was like a bad, like I was a bad habit. So I just kept eating out and then I.

• 7:16Caleb Hammer?

  Well, this is you not changing it then, because I understand a month of transition to max. Five months later is just you continuing to have it, not addressing it.

• 7:24Speaker 03

  Yeah.

• 7:24Caleb Hammer?

  That's not your ex's fault. It's you not being a grown ass woman. What's wrong with you? Can't, I'm sorry. You can't blame him five months later. With you eating out? What are we doing? What kind of cope is that? That's ridiculous.

• 7:37Speaker 03

  My air fryer was kind of broken. So like I needed.

• 7:39Caleb Hammer?

  Oh, no, get a new one. That's how many McDonald's trips is that?

• 7:42Speaker 03

  I eventually got a new one.

• 7:43Caleb Hammer?

  Eventually did. It took us months to get it.

• 7:45Speaker 03

  No, it was for Christmas.

• 7:46Caleb Hammer?

  Christmas was three months ago now, if not.

• 7:48Speaker 03

  Yeah.

• 7:49Caleb Hammer?

  Yeah.

• 7:49Speaker 03

  And then I also was like having like a crisis last year of like almost turning 30.

• 7:53Caleb Hammer?

  That was last year. We're three months into this year and also nothing happens when you turn 30. You turn 30. Are you a child? I'm so confused. What is your crisis? What? Are ovaries are getting dryer? Like what's happening?

• 8:06Speaker 03

  No, I just felt like I wasn't like an adult. So like I was trying to like.

• 8:08Caleb Hammer?

  Certainly not acting like it. So our crisis means if you were having a crisis last year about almost turning 30, you should be addressing all the stuff that you just blamed on your ex. That doesn't really make sense. I mean, I'm being told, he literally told you that you're bad with money.

• 8:23Speaker 03

  Yeah.

• 8:23Caleb Hammer?

  If he's telling you you're bad with money and you're blaming all the habits on him, like what the are we even talking about? This is you being a child again, even more.

• 8:30Speaker 03

  Yeah, but we had very different finances. So I didn't really trust his opinion. Well, there's like one thing I can't really go into, but like.

• 8:36Caleb Hammer?

  Oh, good.

• 8:38Speaker 03

  Sorry, but.

• 8:39Caleb Hammer?

  I'm going to be on the podcast about your information.

• 8:41Speaker 03

  Well, that's his information, not my information.

• 8:42Caleb Hammer?

  Okay, but you're basing your entire established thing that we're about to talk about right now off of him.

• 8:48Speaker 03

  Bills. We had different bills. So it's like him saying he was, I was bad with finances when we make different amounts of money. He made more. We just had different bills and so I had, I had more that I had to pay for than he did.

• 9:01Caleb Hammer?

  What's I I I'm kind of confused on how that impacts anything, adjust your spending.

• 9:07Speaker 03

  Well, him saying that, no, him saying that I'm like a bad with my money is just like, he didn't, we didn't have the same house.

• 9:13Caleb Hammer?

  Were you bad with your money?

• 9:15Speaker 03

  Maybe, probably.

• 9:15Caleb Hammer?

  Financial audit, so I would say yes, actually. Um, no, this doesn't make any sense. But if he's telling you that, how can you even blame it on him, though?

• 9:24Speaker 03

  Well, like I said, he gave me like bad habits. He would just like spend money and like not really think about it.

• 9:28Caleb Hammer?

  Bad habits. He was using his money the way maybe he could or maybe shouldn't, doesn't matter, that doesn't affect you. But he was also telling you at the same time that he thought you were bad with money. He's also telling you you drank too much, for what it's worth, I'm hearing.

• 9:40Speaker 03

  Okay, yeah, but he didn't drink at all. And getting drunk at like my friend's open bar wedding is not like drinking too much.

• 9:48Caleb Hammer?

  Is that all that happened? I don't think someone says you drink too much when you get drunk once.

• 9:52Speaker 03

  Um, no, and then there was a mega con party like the next month, but other than that, no, I, those are the two times that I was drunk last year.

• 9:59Caleb Hammer?

  Drunk? I don't think it's just about getting drunk. You would order drinks. I have notes, uh, from, uh, from the situation with him that he would always have to cash app you when you guys were going out because you were just getting drinks left and right and he wasn't.

• 10:14Speaker 03

  No, it was just.

• 10:14Caleb Hammer?

  So you were just spending more. I, again, don't think that's his behavior. I think it's, in fact, I'd actually say maybe he was actually doing pretty well if he's carrying about those extra surcharges that you're putting on the bill all the time. Maybe he was actually very financially confident, secure and.

• 10:31Speaker 03

  No, but if you went on a date, you went on a date, you're gonna cash up your girlfriend because she got like a cider with her dinner?

• 10:36Caleb Hammer?

  So potentially, it depends on the relationship. Listen, I'm not, I, I wouldn't, but clearly, I don't think, if you were implementing the habits he put you on, you wouldn't be in this position if his habits are a guy that would cash app request a cider.

• 10:53Speaker 03

  Well, I wasn't gonna cash up him when like we would go out to dinner.

• 10:55Caleb Hammer?

  Well, then you aren't picking up his behavior. Honestly, you're just getting the behavior that you like, the behavior that feels good to you, and you're cope blaming it on him. Because again, if you were picking up his behavior, you would pick up that potential good habits. And I'm not saying you necessarily need to do that in a relationship or on a date, but clearly he was someone that budgeted, cared about every purchase. Yeah, if he was cash-

• 11:19Speaker 03

  He did not budget, I promise you that.

• 11:21Caleb Hammer?

  If he's cash apping you for every drink, he is clearly at least mental budgeting, thinking about the price of where everything is going.

• 11:29Speaker 03

  No, he just didn't think it was fair that he had to pay for my drink. When he doesn't drink.

• 11:34Caleb Hammer?

  Did you guys split the bills?

• 11:36Speaker 03

  No.

• 11:36Caleb Hammer?

  So he would take 90% of it and you would pay for the drink?

• 11:39Speaker 03

  No, like he would cash out me then for my dinner, like he would end up-

• 11:42Caleb Hammer?

  So you guys would be splitting it?

• 11:43Speaker 03

  Oh, yeah, I guess so.

• 11:44Caleb Hammer?

  So there you go. If that's what you guys were doing, then who cares? Obviously, it makes sense. If you guys split the bill, then yes, if you're taking the drink, it makes sense that you would pay for the drink. Why would he take a part of the drink? I'm confused.

• 11:58Speaker 03

  Well, like you on a date, like-

• 12:00Caleb Hammer?

  Yeah, but if you guys are paying for what you guys consume, why would he take on your drink? That doesn't make any sense.

• 12:06Speaker 03

  Well, like if you're going on a date-

• 12:07Caleb Hammer?

  Oh my gosh. You guys, stop saying, "But if you're going on a date", you guys already decided and were okay with taking care of your own part of the check.

• 12:15Speaker 03

  We didn't really talk about it and agree with it. I would just like-

• 12:17Caleb Hammer?

  But you were doing it constantly, meaning you were accepting it going into each situation.

• 12:21Speaker 03

  Yeah.

• 12:21Caleb Hammer?

  You can't have it done 100 times in the past and expect something different the 101st time.

• 12:25Speaker 03

  Well, eventually we talked about it and I was like, "Hey, let's like alternate", and then that's when he was like, "Well, I don't think it's fair that I have to pay for your drink when I don't", but then I was like, "We would alternate, like you buy one meal, I would buy the other", and then it's like-

• 12:37Caleb Hammer?

  That's, I understand his perspective. Again, I wouldn't necessarily do it, but he doesn't have a wrong perspective necessarily about that. But it still doesn't make any sense how you're blaming everything you're in based on that relationship?

• 12:49Speaker 03

  I'm not blaming at all.

• 12:50Caleb Hammer?

  That's literally what you said.

• 12:52Speaker 03

  The other half was like the crisis that I was having.

• 12:54Caleb Hammer?

  What crisis? Oh, the 30 crisis? Okay, what is this crisis? Please tell me this crisis. Inform me about your special little crisis.

• 13:03Speaker 03

  Well, I was about to turn 29. Or it was like, I was 28, about to turn 29, and I was just like-

• 13:08Caleb Hammer?

  That's not 30.

• 13:09Speaker 03

  It's almost 30. And so I was like, well, I'm not, you know, when you're just like, well, am I happy with where I am in life? And I'm like, is this where I want to be? So I just had all these questions and I started like-

• 13:19Caleb Hammer?

  Do you never just think about that? You thought about them in one big batch for the first time ever?

• 13:24Speaker 03

  Yeah, kind of.

• 13:25Caleb Hammer?

  What the f**k, what's wrong with you? Okay, that's weird. Why aren't you thinking about, okay?

• 13:29Speaker 03

  I don't know.

• 13:29Caleb Hammer?

  You never think about your life?

• 13:31Speaker 03

  Um, no. But like, I was just, like, I was like, I started thinking like, am I happy in this relationship? Am I happy in my job? Am I happy in where I'm at? Do I still want to be in Florida? Like, I started thinking about all these things. And then I was like, oh, I'm like-

• 13:44Caleb Hammer?

  Midlife crisis at 29 is a bit weird.

• 13:46Speaker 03

  Well, you can't call it a quarter life crisis, so, because 25 is quarter life, so.

• 13:50Caleb Hammer?

  Uh huh.

• 13:50Speaker 03

  But anyway, so like-

• 13:51Caleb Hammer?

  You're just being immature.

• 13:52Speaker 03

  So then I just started thinking about everything. And then I was like, oh, I have to make a lot of changes. So then, some of the, some of it came from like, all these changes that I made.

• 13:59Caleb Hammer?

  What changes? You haven't budgeted anything. What f**k changes are you talking about? You mean just breaking up with him?

• 14:06Speaker 03

  Well, that was one of them.

• 14:07Caleb Hammer?

  Okay, why, why? Why'd you pull the trigger on the guy that ruined 50% of your finances, apparently?

• 14:11Speaker 03

  Oh, there's a lot of things that would take too long to go into. But, um, no, I just was like, I don't, it just-

• 14:19Speaker 03

  I don't even know how to just explain it all.

• 14:21Caleb Hammer?

  How about an answer?

• 14:22Speaker 03

  I wasn't happy. He wasn't really always being nice to me. And like, it just-

• 14:26Caleb Hammer?

  What is that? Paying for all the beverages you want?

• 14:28Speaker 03

  No, like, we were in couples counseling and it just was get, it was like, every month was getting worse. And then every week was getting worse, and then every day was-

• 14:34Caleb Hammer?

  Worse in which way? If you're blaming all your finances on him, you have to tell me how it's getting bad.

• 14:38Speaker 03

  Well, we were just always fighting and like-

• 14:40Caleb Hammer?

  About?

• 14:42Speaker 03

  Everything like I got to the point where I felt like I couldn't breathe.

• 14:44Caleb Hammer?

  You can't give an answer. You're just like general term.

• 14:46Speaker 03

  He would get mad when I would go hang out with my friends. He would get mad.

• 14:49Caleb Hammer?

  Every single time.

• 14:49Speaker 03

  Um, if I was only allowed to have plans pretty much if he was already busy. Like if I was like, hey, I, I want to go hang out with my friend.

• 14:55Caleb Hammer?

  What would he say?

• 14:56Speaker 03

  Like, what do you mean?

• 14:57Caleb Hammer?

  What would he say if I asked him about that topic?

• 14:59Speaker 03

  The same thing.

• 15:00Caleb Hammer?

  He would say, no, I don't want you to hang out with your friends.

• 15:03Speaker 03

  He would say, he would say that I was not prioritizing our relationship, even though I was.

• 15:07Caleb Hammer?

  Is that true? Were you guys having enough quality time?

• 15:10Speaker 03

  Um, our schedules were a little opposite that I was.

• 15:11Caleb Hammer?

  Like you guys weren't having enough quality time. So every time that you guys had those available moments, you would go away. And I think that is relatively fair, especially if a relationship is struggling. Quality time is critical, at least a few times a week.

• 15:23Speaker 03

  Well, yeah. So then I would be like, hey, I want to go hang out with so and so, um, either Friday, Saturday, Sunday, which day would work best for you. And then he either wouldn't get back to me about it, or he would just be like annoyed that I wanted to go have dinner with a friend for like a couple of hours.

• 15:36Caleb Hammer?

  And listen, I agree. I, I, I wouldn't be too crazy about that.

• 15:39Speaker 03

  He wanted.

• 15:40Caleb Hammer?

  I know. I would want you to go out and do things. It sounds a bit hypocritical, but again, if you're saying there wasn't enough quality time, potentially relatively fair in general to be upset to a point, but.

• 15:51Speaker 03

  But then he could go do whatever he wanted. Like he would be like.

• 15:53Caleb Hammer?

  So what else? What else? This is the whole root cause of your finances, except for the crisis.

• 15:58Speaker 03

  He didn't support me going back to school just because it would take time away from us, even though it would be better, it could be better for like my career path.

• 16:05Caleb Hammer?

  Okay. What was his excuse? Cause he wanted to see you or cause he wanted to work on the relationship though, when he was talking about all these things.

• 16:10Speaker 03

  Say, he would say, he literally said, the only reason he didn't support me going back to school was because it would take time away from us.

• 16:15Caleb Hammer?

  Yes, but because he wanted to work on the relationship or just, oh my gosh, you seriously cannot answer questions. What the is wrong with you?

• 16:21Speaker 03

  Well.

• 16:22Caleb Hammer?

  You just repeated yourself and then I add to go deeper and you couldn't.

• 16:25Speaker 03

  Wanted to work on the relationship, like he wasn't proving it. Like we went to couples counseling and he wasn't willing to change anything. He didn't think he was doing anything wrong.

• 16:32Caleb Hammer?

  Need to change.

• 16:33Speaker 03

  Just like probably being less selfish.

• 16:35Caleb Hammer?

  What was he being selfish on?

• 16:37Speaker 03

  It was always his, it was like basically his way or the highway about like everything. Like I would go to Pilates and he would be mad.

• 16:42Caleb Hammer?

  Okay. Was it because he said that you guys needed to spend more quality time together to work on the relationship?

• 16:49Speaker 03

  I mean, I guess.

• 16:49Caleb Hammer?

  That pretty much it. It's just a time thing. That's all you. Disagreed on.

• 16:52Speaker 03

  Yeah, but like he would get mad when I would literally go do anything.

• 16:54Caleb Hammer?

  Which sounds bad in theory and actually might be, but that's why I'm trying to ask the question is if it was because he was trying to make sure there was quality time to fix the relationship and you cannot answer that question. It's kind of pathetic the way you can't answer that.

• 17:09Speaker 03

  He didn't say it word for word like that, but I guess he would say, he would say, he was.

• 17:13Caleb Hammer?

  Was that ever talked about? Exactly. Was that ever talked about in couples therapy?

• 17:17Speaker 03

  Yeah.

• 17:18Caleb Hammer?

  Well, there you go. So you have the answer. So is that just he didn't want you to spend time with your friends? That is you manipulating the topic. That is you manipulating the topic. That clearly wasn't it. It's because he wanted to work on the relationship. And the fact that you had to skirt around that like crazy is clearly showing you try to manipulate how things are working. Now, don't get me wrong. If things were going relatively well in the relationship and we weren't dealing with quality time issues and we weren't in couples therapy trying to fix it and he was getting mad at you for doing literally anything and be like, no, you can't go back to school and spend time together. I would be totally anti him and I, I, I still probably am anti him to a point. Don't get me wrong, but even still the way you were trying to skirt around the answer about how clearly he was just trying to set some more quality time aside.

• 18:02Caleb Hammer?

  Because you guys were dealing with that issue in couples therapy is really weird. Also, he's not here. So it's not the biggest topic in the world, but the, the, the fact is I might call him honestly, if I'm being completely real, we'll see. I'm probably gonna call him. Actually, I will call him, but either in the episode or in the post show, we'll see how this thing goes, but you're blaming all your finances on him. So I need to figure out the relationship. Fifty percent. So it's important to know how the relationship was ending. And that makes sense. I understand why you ended it. I think you were clearly checked out for a long time. If you are not putting quality time aside and not willing to work on that.

• 18:39Speaker 03

  I was trying to put qualities time aside, but it was like, I'm not, if I'm not gonna let somebody control me and I wasn't controlling. So how are you gonna tell me what to do with my time? When especially when I'm like, he would just be like, I, it would be Friday and he would be like.

• 18:51Caleb Hammer?

  Oh, you still work with him?

• 18:52Speaker 03

  Yeah.

• 18:53Caleb Hammer?

  Oh.

• 18:54Speaker 03

  But we don't work like together, together. But he still works at like my agency, yeah. But like I haven't talked to him in however many months.

• 19:02Caleb Hammer?

  Okay.

• 19:03Speaker 03

  So.

• 19:04Caleb Hammer?

  Now, what did this crisis, though, deliver into actually here? Because that doesn't make any sense.

• 19:10Speaker 03

  Well, I.

• 19:11Caleb Hammer?

  You fixed things. All that you did was end a relationship that you already checked out on, but okay.

• 19:17Speaker 03

  Yeah, and then.

• 19:18Caleb Hammer?

  What else? You're still in Florida, so there wasn't that.

• 19:21Speaker 03

  Correct. Well, I'm not going to leave Florida until like my parents are there.

• 19:24Caleb Hammer?

  I know, but you said those were one of the things you're thinking about in your crisis, so. Well, yeah. I don't know if that's the other 50% of why the you're in a bad situation that has led you on to financial order. What is going on?

• 19:34Speaker 03

  I'm trying to get there.

• 19:35Caleb Hammer?

  Okay, get there.

• 19:36Speaker 03

  Well, then I was like, oh, I still dress like I'm in like high school or college. So then I wanted to buy a new wardrobe. And then I also was like, hey, I used to want to be an actress. What happened with that? Maybe I should give it a go. And so then I started looking into.

• 19:50Caleb Hammer?

  Okay, you looked into it. Please tell me you found nothing.

• 19:52Speaker 03

  Um, well, no, I went to LA in November, like a week after I broke up with him.

• 19:56Caleb Hammer?

  What?

• 19:57Speaker 03

  Yeah.

• 19:58Caleb Hammer?

  You, we see how she is now. She broke up with the guy that she wasn't willing to put work into, that he was begging for extra help on for quality time. And then she goes to LA a week later. Are we starting to understand the picture here?

• 20:09Speaker 03

  I had an opportunity to be in something.

• 20:10Caleb Hammer?

  Are we starting to understand the picture here? What happened?

• 20:14Speaker 03

  In LA?

• 20:15Caleb Hammer?

  With your little Love LA dream?

• 20:17Speaker 03

  Oh, no, I was out there for like 42 hours because I got an opportunity to be background in a movie, in an indie film.

• 20:22Caleb Hammer?

  An opportunity to be background in a movie? What? What?

• 20:26Speaker 03

  What? In an indie film.

• 20:27Caleb Hammer?

  What was your type of background? What are you doing?

• 20:29Speaker 03

  Literally just background.

• 20:30Caleb Hammer?

  Oh, my goodness. You consider that an opportunity? Were you paid?

• 20:33Speaker 03

  No.

• 20:33Caleb Hammer?

  Exactly. How you flew to LA?

• 20:36Speaker 03

  It was an indie film and they're like on a budget.

• 20:37Caleb Hammer?

  I know, so why the that's not an opportunity. You didn't have an opportunity. You did something that was just cool for fun. You didn't have an opportunity. That's not, set it on your IMDb.

• 20:47Speaker 03

  It will be.

• 20:47Caleb Hammer?

  What? When'd you do this?

• 20:49Speaker 03

  Um, it was in the beginning of November.

• 20:52Caleb Hammer?

  It's not on your IMDb.

• 20:53Speaker 03

  Well, not yet, but it will be. It'll be like the end of, I think it's 2027.

• 20:58Caleb Hammer?

  Girl scene in the background if you're even there?

• 21:00Speaker 03

  Well, they said we would get IMDb credit.

• 21:03Caleb Hammer?

  That's also if that, that if you're even in the chatter, if that scene's even in the movie.

• 21:07Speaker 03

  Well, yeah.

• 21:07Caleb Hammer?

  Things get cut all the time.

• 21:08Speaker 03

  One scene will be in the movie, for sure. There's one scene that might be cut.

• 21:12Caleb Hammer?

  And what were you doing? Literally just standing very far in the background?

• 21:15Speaker 03

  Um, depends on what scene they use.

• 21:17Caleb Hammer?

  Oh my gosh, the one that you said for sure is gonna be in.

• 21:20Speaker 03

  Well, they did a couple takes, so I'm either gonna be in the far back of it, or I'll be.

• 21:23Caleb Hammer?

  Doing what? Drinking? What?

• 21:25Speaker 03

  No, just kinda standing there.

• 21:27Caleb Hammer?

  Oh my, okay. So this is your acting dreams taking off. You left your.

• 21:31Speaker 03

  Well, it seemed like.

• 21:32Caleb Hammer?

  You left the guy that loved you and was trying to fix things and was going to couples therapy for you, for you to do that, to pursue that. That's your Love LA dream.

• 21:40Speaker 03

  Okay, well, that's a bit dramatic.

• 21:41Caleb Hammer?

  Is it? Cause you literally went like a week afterwards. I don't even think that's dramatic. You, this is clearly how you're doing it. You're, you're honestly just being that.

• 21:50Speaker 00

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• 22:21Speaker 03

  Being what?

• 22:22Caleb Hammer?

  Bad. A bad person. A guy was trying to work on some things you abandoned and you flew to LA to be a background person.

• 22:29Speaker 03

  He wanted me to change, but he wasn't willing to change. So he was not, not work. I wouldn't say he was working on.

• 22:35Caleb Hammer?

  Okay, so this is from IMDb, but we'll see what happens. Background actors generally do not receive automatic on-screen credits, but you can add yourself to IMDb as uncredited for roles where you are recognizable in the final cut.

• 22:48Speaker 03

  Well, that's what they told us, so.

• 22:50Caleb Hammer?

  Good luck.

• 22:52Speaker 03

  Thanks.

• 22:53Caleb Hammer?

  Now, oh, I'm actually being told something completely different, cause you can't tell the full truth at all times. You paid.

• 23:00Speaker 03

  Oh, yeah.

• 23:01Caleb Hammer?

  To be in the background.

• 23:03Speaker 03

  Well, yeah, I paid for like my flight and hotel.

• 23:05Caleb Hammer?

  Oh, you didn't pay to be in it?

• 23:07Speaker 03

  No, I paid for my trip. It wasn't like reimbursed or anything and I didn't get paid for the gig.

• 23:13Caleb Hammer?

  Okay, so in the end, you still were just paying for something that's not going to benefit your career in any way?

• 23:18Speaker 03

  Yeah, but it seemed like-

• 23:19Caleb Hammer?

  What are you, I'm sorry, why do you think you're gonna be this acting thing?

• 23:22Speaker 03

  Honestly, like if it happens, it happens. If it doesn't, okay, I have my job, but like-

• 23:26Caleb Hammer?

  It's been, I used to have a lot of people that were want to be actors on the show. It's been a long time, so this is very interesting. What's your plan here? What's your grand scheme?

• 23:37Speaker 03

  Um, well, I kind of put in a little bit of a pause on it just because I'm doing school right now too, but-

• 23:41Caleb Hammer?

  Okay, so great, great career.

• 23:43Speaker 03

  But I've-

• 23:44Caleb Hammer?

  So successful so far.

• 23:45Speaker 03

  I've had like a couple of commercial auditions since then and then-

• 23:47Caleb Hammer?

  Auditions?

• 23:48Speaker 03

  Yeah.

• 23:49Caleb Hammer?

  Okay, anyone can audition.

• 23:50Speaker 03

  Yeah, but when you're starting, you always have to start-

• 23:51Caleb Hammer?

  Continue, continue.

• 23:52Speaker 03

  We all have to start somewhere.

• 23:53Caleb Hammer?

  You're right, you're right, continue. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you.

• 24:35Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for Chime, get that $350 right now in your checking account.

• 25:16Speaker 03

  We all have to start somewhere.

• 25:17Caleb Hammer?

  Right, continue.

• 25:18Speaker 03

  So, anyway, I-

• 25:21Speaker 03

  I just was gonna kind of audition, but I'm trying to get through school right now. So it was kind of a back burner because I've been a little busy with that.

• 25:27Caleb Hammer?

  So that's your acting vision?

• 25:30Speaker 03

  Well, eventually I would like to submit more and like, I know people who like have.

• 25:35Caleb Hammer?

  I wouldn't recommend it, but if you were actually trying to pursue acting, wouldn't you be trying to pursue acting instead of school?

• 25:42Speaker 03

  Well, it's I already kind of started and I only have, after this class, I only have one more class, so I might as well finish that.

• 25:46Caleb Hammer?

  What is it? What's your school?

• 25:48Speaker 03

  Um, I'm getting my graduate crime analyst certificate.

• 25:52Caleb Hammer?

  Okay, okay, okay. That's a play. That's a play.

• 25:56Caleb Hammer?

  I like that. I mean, what kind of career comes with that or a pay?

• 25:59Speaker 03

  Um, well, I'm not really sure. I did just have a, let me finish.

• 26:04Caleb Hammer?

  You haven't looked up anything?

• 26:05Speaker 03

  Let me finish. So I'm staying at my agency, but I have, I did apply for a job and I had an interview. I just haven't heard back yet. But it would be like a pay cut. I'm just hoping it's not that much if I get it.

• 26:17Caleb Hammer?

  Wait, you don't know how much of a pay cut it would be?

• 26:19Speaker 03

  Well, so it said it was negotiable, but the original like.

• 26:22Caleb Hammer?

  The pay cut's negotiable.

• 26:23Speaker 03

  Yeah, well, because it will probably be a pay cut, but the original.

• 26:26Caleb Hammer?

  Wait, what's the job that you get with this certificate?

• 26:29Speaker 03

  A crime analyst. Hence, crime analyst in the name.

• 26:33Caleb Hammer?

  So you're drinking your Gamersubs, very delicious, 40 cents per serving. After you use my code at gamersubs.gg, code Caleb, get your free samples by typing in code Caleb. Use my link, get your free samples, see what flavor you like, and then go ahead and get them instead of stopping in the gas station, getting your bullshit. Okay, yeah, median, it's about 56 to 57. And it's about 26 to 27 hours a year. So your median actually is a pay cut. Why are you getting a? Well, that's median. That's not even where you're gonna start. So historically, you will be at a pay cut. Through the majority of your career. So why the fuck are you even pursuing this?

• 27:07Speaker 03

  Well, because I don't want to be in dispatch.

• 27:08Caleb Hammer?

  That's great. Why don't you do something where it's at least? Level pay because you're already struggling at forty two hundred. Why are we doing something at a pay cut? That doesn't make any sense.

• 27:18Speaker 03

  Well, because I don't. Well, yeah, I make that much as a dispatcher. I want to stay at my agency, which is why it would be negotiable. Because I've already been.

• 27:25Caleb Hammer?

  But still a pay cut. And regardless of the agency thing, the median pay, as in people at the height of their career, not even, it takes into account people at the height of their career, is still a pay cut.

• 27:35Speaker 03

  Well.

• 27:35Caleb Hammer?

  So you don't have a what?

• 27:38Speaker 03

  I don't want to be like a cop. So like, where else am I supposed to go?

• 27:41Caleb Hammer?

  Are you only able to be in crime?

• 27:44Speaker 03

  Well.

• 27:44Caleb Hammer?

  You have nothing else you can do in life.

• 27:46Speaker 03

  I'm gonna go pick a job that doesn't make me happy.

• 27:48Caleb Hammer?

  So crime is the only thing that makes you happy? Crime and acting?

• 27:50Speaker 03

  I don't know. I haven't really considered other jobs. I don't know what else I would be good at.

• 27:54Caleb Hammer?

  You dumbass, take your career assessment. What is wrong with you?

• 27:56Speaker 03

  I don't know. I like where I'm, I like what I do.

• 27:58Caleb Hammer?

  That's great, but you can't afford doing what you do. You've established that.

• 28:03Speaker 03

  Well, maybe, but it might not be that bad of a pay cut.

• 28:10Caleb Hammer?

  It's a pay cut regardless throughout the rest of your career. So it doesn't, it doesn't make any sense. I understand not wanting to be dispatcher. I wouldn't want to either, but why can't you at least move laterally? I obviously want you to move up throughout your career.

• 28:21Speaker 03

  There's not, this, this is.

• 28:22Caleb Hammer?

  In crime!

• 28:24Speaker 03

  I don't know. I don't know. Like, I can't think of anything else that I would rather, like, what I would want to do.

• 28:29Caleb Hammer?

  You haven't looked at anything? What, do you have a bachelor degree?

• 28:32Speaker 03

  I do.

• 28:32Caleb Hammer?

  In?

• 28:33Speaker 03

  Criminal justice. And then I have a minor in psychology, but like, you can't do much with that.

• 28:38Caleb Hammer?

  Trying to work in the court system or trying to work on, and it's just, I feel like there's a lot of options though. Still, there's a lot of crime that happens.

• 28:44Speaker 03

  Well, yeah, but like, crime analyst is kind of like, I do a lot of that already and I like it.

• 28:49Caleb Hammer?

  I, okay, so you're okay with the pay cut?

• 28:51Speaker 03

  I mean, if I can get, if it's not that bad, because I know that.

• 28:54Caleb Hammer?

  It's going to be a pay cut through the majority of your career. You're okay with that? Because if you're okay with it, fine!

• 28:59Speaker 03

  Well, yeah, if I can get out of this debt situation, then it's.

• 29:02Caleb Hammer?

  How with a pay cut? That doesn't make any sense. Because you're about to complete the certi-, listen, because I want to get you a certification and something that Course Careers has, because people in the audience get those and they convert them to like six-figure jobs. That's what I like. I like Course Career certifications. You're getting a forty five thousand dollar a year certification. Doesn't really make sense to me. Doesn't really make sense to me. I understand. I mean, it sounds like you're working five thirty PM to five thirty AM. I wouldn't like that either. I understand wanting to move, but I want you to move laterally or up. And acting ain't gonna be it. What is that? I feel like that's your little lever. I feel like that's your little skate hatch. You're willing to do this, take a pay cut because you think acting is gonna take off.

• 29:37Speaker 03

  I mean,

• 29:37Caleb Hammer?

  And you left your guy for that. This is, you're what a mess.

• 29:40Speaker 03

  I did not.

• 29:41Caleb Hammer?

  Come on. You immediately paid to go to LA to be in this thing that's not gonna help your career in any way.

• 29:46Speaker 03

  It could have been at any point.

• 29:47Caleb Hammer?

  Come on, look how it looks.

• 29:49Speaker 03

  No.

• 29:49Caleb Hammer?

  Come on.

• 29:50Speaker 03

  I did not leave him for that.

• 29:51Caleb Hammer?

  So obviously you could be a police officer, you don't wanna do that. Sheriff's deputy, don't wanna do that. State trooper, don't wanna do that. Detective, I mean, that could be interesting.

• 29:57Speaker 03

  Well, you can't, most agencies, you have to be a cop to be a detective, which they're, the analysts, the crime analysts work with the detective, so it's kind of like.

• 30:05Caleb Hammer?

  Yeah, for no money. Um, obviously, you can work federal.

• 30:10Speaker 03

  Well, usually federal, you would have to move where they want you to.

• 30:14Caleb Hammer?

  Fair enough.

• 30:15Speaker 03

  Not always, but I think most of the time.

• 30:16Caleb Hammer?

  Which is fair enough, I'm sure they got something in Florida though. Florida's a, what is it, the fourth most populous state in the country, right under, no, third, I think, right under Texas? Um, okay, okay. Then obviously there's in corrections, there's in investigative forensics, like crime scene investigator.

• 30:34Speaker 03

  Crime scene, I would have to go back and get a whole other degree.

• 30:36Caleb Hammer?

  Forensics, I know, but if we're talking the rest of your life, it actually might be worth it. And then obviously private investigators.

• 30:42Speaker 03

  I'm not doing crime scene, I do have a.

• 30:43Caleb Hammer?

  Okay, so you literally want to do a pay cut, you're not willing to do anything, okay. So this is what you want to want to want to do besides acting?

• 30:49Speaker 03

  Well, yeah, but I mean, like.

• 30:51Caleb Hammer?

  So there you go, okay, so let's establish you'll make forty five thousand dollars inflation adjusted for the rest of your life.

• 30:55Speaker 03

  But if it's not, if it's too much of a pay cut, I was gonna turn it down.

• 30:58Caleb Hammer?

  Can you do this forever? So you're stuck in this forever now?

• 31:01Speaker 03

  Well, no, there's, so there's other, I've applied to other analysts, no, I've applied for other crime analyst jobs that have different pays. They're all a pay cut, but like, I could eventually make back what I'm making now, it just might take me a few years.

• 31:12Caleb Hammer?

  But that's above, that's above the fifty percent threshold is where you are now. Like, honestly, at the very, very, very, very peak, people start making about seventy thousand, which is great, but that's, you'd have to be in the top, like.

• 31:31Speaker 03

  Yeah, but I would have like the rest of my career to get there.

• 31:39Caleb Hammer?

  Right, but the majority don't get there is what I'm saying. So why are you special? Probably not.

• 31:44Speaker 03

  Probably not.

• 31:45Caleb Hammer?

  Exactly. So it doesn't really make any sense. It doesn't really make any sense.

• 31:49Speaker 03

  But I will say like my current job in my agency, like four civilian positions, that's like one of the higher paying ones, but I just don't want to skip.

• 31:56Caleb Hammer?

  But you're giving that up.

• 31:57Speaker 03

  Well, I mean, I'm not like, again, if it's too much of a cut.

• 32:00Caleb Hammer?

  Can you make a living off of 45,000 hours a year in Central Florida?

• 32:03Speaker 03

  Well, I don't think so.

• 32:04Caleb Hammer?

  Well, why the here you're accepting it? Cause that's where your career goes.

• 32:07Speaker 03

  But it might, so they have a max salary of like, whatever it was like 50,000. It says it's negotiable. So I feel like I might be able to do like one or two dollars.

• 32:15Caleb Hammer?

  I have this, the one or two dollars is not gonna make it break your life if that's unsurvivable, by the way. Just, just to let you know, if it's unsurvivable. But two, we have the analytics pulled up for Central Florida, where you live. Where you live? You're not gonna do very well for very long.

• 32:33Speaker 03

  Maybe.

• 32:35Caleb Hammer?

  Maybe. Okay. So the midlife crisis led you to the certification and clothes? Certification closed, leaving this guy and pursuing acting? The medium in median income for Central Florida is 62,000. You're gonna be making under the median.

• 32:53Speaker 03

  I mean, there might be overtime and I could always.

• 32:55Caleb Hammer?

  Might be, you, there's always, all this stuff. We have the statistics. I don't know why you think you're gonna be this very top level above everyone else, no matter what, in every case.

• 33:03Speaker 03

  But I can keep like my dispatch credit.

• 33:05Caleb Hammer?

  You're gonna make a living in acting. You're gonna make a what? Huh?

• 33:09Speaker 03

  Well, no, I was like, I can also keep my dispatch, like certificates and stuff. So it's like when there's overtime and dispatch, I can go work overtime still. So it's like, or there might be overtime in the analyst position. Like there could be ways.

• 33:19Caleb Hammer?

  I've been told that you hate your current job anyway. So you're gonna be working overtime?

• 33:24Speaker 03

  I mean, well, I worked.

• 33:24Caleb Hammer?

  So it's like, what are we even doing?

• 33:26Speaker 03

  I worked a lot of overtime last year. I do work a lot of overtime.

• 33:28Caleb Hammer?

  Last time, why not this year? We're three months in. What the fuck are you doing?

• 33:31Speaker 03

  Well, I have been. I just.

• 33:32Caleb Hammer?

  You said last year.

• 33:33Speaker 03

  Well, I'm just saying, well, I just cause I did my taxes, but I'm, so I know how much I did last year, but.

• 33:37Caleb Hammer?

  How much did you do last year?

• 33:38Speaker 03

  Uh, like $10,000.

• 33:40Caleb Hammer?

  Okay.

• 33:40Speaker 03

  But like I.

• 33:41Caleb Hammer?

  What was your total last year pay?

• 33:43Speaker 03

  Sixteen eight thousand.

• 33:46Caleb Hammer?

  Okay, and you're gonna go down to fifty?

• 33:48Speaker 03

  Well, I could pick overtime, maybe.

• 33:49Caleb Hammer?

  Maybe, I mean.

• 33:50Speaker 03

  And hate is a strong word. I don't hate. I don't hate my job. I'm just, it's more of the night shift that I'm kinda done with, but day shift doesn't solve any problems, so.

• 33:58Caleb Hammer?

  Okay, so what's crazy in here is you are in this situation, you blame it on the ex, you blame it on a midlife crisis. But the reality is, I know for a fact, your mom's an accountant, she has made you a budget. Your mom's an accountant, she has made you a budget. If your mom has made you a budget, you not following that is on you. You've been given every resource, every piece of help, everything possible, yet you blame it on a guy that was trying to fix your relationship. And you blame it on a midlife crisis, which it even isn't. You're just being a little dumbass brat, for being honest. This makes no sense. Your mom made you a budget that fits your life. You not, you being in this position at this point is on you. When did she make that budget?

• 34:37Speaker 03

  Um, like, three years ago, when I first moved to my apartment.

• 34:42Caleb Hammer?

  What are you even doing?

• 34:42Speaker 03

  Well, I don't know, it just like, didn't really, I felt like it didn't really make sense. It wasn't like.

• 34:47Caleb Hammer?

  What didn't really make sense? Why?

• 34:48Speaker 03

  It was just kind of like, here are your bills.

• 34:50Caleb Hammer?

  Yeah.

• 34:51Speaker 03

  But it's like, I know my bills are.

• 34:52Caleb Hammer?

  Do you?

• 34:53Speaker 03

  Yeah.

• 34:54Caleb Hammer?

  Then why are you struggling?

• 34:56Speaker 03

  Cause I don't really, I just kinda like swipe and tap without actually looking. Like, I, like, when I get really overwhelmed, I just like stop looking at my stuff.

• 35:04Caleb Hammer?

  Then how do you know your bills? How do you know your minimums to payments? What are you talking about? If you just look, you don't even look, you can't know your minimums.

• 35:09Speaker 03

  I always pay more than the minimum, so I also don't know.

• 35:11Caleb Hammer?

  Do you always? That's what people always say when they always don't.

• 35:14Speaker 03

  Yeah, I pretty much, I, I consistently pay more than the minimums all the time, so that's why I don't actually know what the minimums are.

• 35:19Caleb Hammer?

  You know what happens every time someone does that? They spend more than they put towards it regardless, so it doesn't even make sense. Especially if you're uncontrollably swiping and tapping, and you don't even know what's happening. You're definitely spending more on them than you put towards them, even if they're above the minimum. So it negates the entire thing anyway, and it's worse than just making the minimum to payment and not spending anything on there.

• 35:35Speaker 03

  I did notice that like a few months ago.

• 35:37Caleb Hammer?

  Uh huh, and then you didn't fix anything, so great.

• 35:39Speaker 03

  Cause I didn't really know how to, and then I realized I was doing it wrong.

• 35:43Caleb Hammer?

  You don't swipe, you don't tap. So if your mother has made you a budget, why have you not gone and asked for a new budget now that you're on your own? No boyfriend, all that stuff.

• 35:51Speaker 03

  Well, cause I was, I tried to do it on my own, I thought I could do it on my own.

• 35:54Caleb Hammer?

  Well, that has failed. When did you think you could try to do it on your own?

• 35:57Speaker 03

  Well, I've kinda had like this budget for like a year and a half, or two years now.

• 36:01Caleb Hammer?

  You've had a budget for a year and a half to two years, and you've ended up in this situation? Maybe, maybe your budget's not working.

• 36:06Speaker 03

  Well, clearly.

• 36:07Caleb Hammer?

  Well, clearly. So why try that for a year and a half of not working?

• 36:11Speaker 03

  I don't know. I've like adjusted it a few times, but like-

• 36:13Caleb Hammer?

  Adjusted in what way? That's not wor- it's not- look where you are today. You can't tell me you're adjusting it and expect that to be an answer that's reasonable.

• 36:19Speaker 03

  I pay my bills and then I-

• 36:21Caleb Hammer?

  It's what everyone says who has late payments. So let's, let's find out.

• 36:24Speaker 03

  I promise you there's no late payments.

• 36:25Caleb Hammer?

  Okay.

• 36:26Speaker 03

  I guarantee it.

• 36:26Caleb Hammer?

  Yeah, let's see if you're the first one in financial audit history.

• 36:30Speaker 03

  I do not have any late payments.

• 36:31Caleb Hammer?

  I hope so. For your sake, I'm not rooting for you to have late payments.

• 36:34Speaker 03

  But yeah, and then I just like, it's, I guess it's the budget of like the leftover money that I don't really know what to do with.

• 36:40Caleb Hammer?

  How do you have leftover money? Wouldn't your leftover money just go towards debt? You want to be debt free so you can take a lower paying job? Isn't that what you just said? Isn't that our entire intent?

• 36:48Speaker 00

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

• 37:17Caleb Hammer?

  Isn't that what you're trying to do? Isn't that what your future is? So what leftover money? Your leftover money goes to pay off debt so you can do this job.

• 37:23Speaker 03

  Well, yeah. So then I'll like, I'll like-

• 37:24Caleb Hammer?

  Do you live on your own?

• 37:25Speaker 03

  Yes.

• 37:26Caleb Hammer?

  Oh. Okay. How do you afford that? What's your rent?

• 37:31Speaker 03

  Um, base rent without anything else, $16.90.

• 37:34Caleb Hammer?

  Oh, yeah, that's chunky. With everything else?

• 37:37Speaker 03

  Um, um, the only thing I don't pay on in my rent is the electric, everything else. I don't know. They have the wifi in the, like, the internet is in my apartment, like, in the total, so-

• 37:47Caleb Hammer?

  Oh, you mean you pay your rent separately or your electricity separately?

• 37:50Speaker 03

  Oh, yeah, yeah, yeah.

• 37:51Caleb Hammer?

  How much?

• 37:52Speaker 03

  Uh, my electric?

• 37:53Caleb Hammer?

  Yes!

• 37:54Speaker 03

  On average, probably, well, it depends, because it's Florida. Well, you know, in the summer, it's like a hundred and something dollars and then the winter, it's like $50. So it just depends.

• 38:02Caleb Hammer?

  Seventy-five.

• 38:03Speaker 03

  Okay. Is that the average? I'm not good at math.

• 38:08Caleb Hammer?

  It sounds like it based on what you said, if you even know your numbers, which I don't actually think you do.

• 38:13Speaker 03

  I did try to like figure out what my, I did try to figure out what a month emergency savings was after watching your show.

• 38:18Caleb Hammer?

  And what did you determine?

• 38:20Speaker 03

  I don't have it memorized. It's on my iPad.

• 38:21Caleb Hammer?

  Oh, good. Forty-one percent goes to rent and basic electricity. That's disgusting. And then you're gonna take a pay cut regardless of your debt minimum monthly payments? There's no way you can survive on that.

• 38:34Speaker 03

  I can't keep working nights forever.

• 38:36Caleb Hammer?

  I agree, but that doesn't mean the only other position you can take is one where you take a pay cut. That's what I'm trying to say.

• 38:42Speaker 03

  I can't leave my job in the next two years.

• 38:44Caleb Hammer?

  Okay. Your rent is eighteen forty-two.

• 38:48Speaker 03

  Well, that's with everything. That's why I said base rent. And then if you wanted to know everything.

• 38:51Caleb Hammer?

  What's everything?

• 38:52Speaker 03

  Everything would be, there's a community fee, wifi, then like the water and whatever.

• 38:56Caleb Hammer?

  You dumbass. Why would I ever wanna know just base? That doesn't im-

• 38:59Speaker 03

  Well, I said rent, question mark.

• 39:01Caleb Hammer?

  You absolute stupid.

• 39:04Speaker 03

  I normally put like eighteen-

• 39:06Caleb Hammer?

  Nineteen fifty. Nineteen fifty is your rent and basic utility. Okay, now we're at forty-seven percent.

• 39:12Speaker 03

  A budget nine-

• 39:12Caleb Hammer?

  Forty-seven percent! Forty-seven percent. You're fucked.

• 39:17Speaker 03

  Central Florida.

• 39:19Caleb Hammer?

  Central Florida. Your job. Your job that you're choosing to get a pay cut of which now your rent's gonna be like fifty-five percent.

• 39:26Speaker 03

  Well, I can't leave.

• 39:26Caleb Hammer?

  And that's before debt minimum monthly payments. And you're already in the negotiating phase for this job anyway, so you're gonna take the pay cut regardless.

• 39:33Speaker 03

  No, I'm not. I don't even know if I got the job.

• 39:36Caleb Hammer?

  And this average pay, this average pay, remember, came with your average overtime. So this isn't even just base pay.

• 39:40Speaker 03

  No, that's not all the average overtime.

• 39:41Caleb Hammer?

  What? I asked for your average pay, which included overtime, and you said-

• 39:46Speaker 03

  Well, I would rather-

• 39:46Caleb Hammer?

  And shut the fuck up. You said, "And with my overtime, I then get a twenty-one hundred."

• 39:51Speaker 03

  Well, I would rather budget without the overtime.

• 39:53Caleb Hammer?

  But you said, "And with my overtime, it's twenty-one hundred."

• 39:58Speaker 03

  Sometimes it might be.

• 39:59Caleb Hammer?

  Oh, my. Oh, you broken individual.

• 40:03Speaker 03

  I know that like twenty-one hundred a paycheck is like pretty average of what I get.

• 40:08Caleb Hammer?

  And I know you're not willing to move somewhere else because you're at a place that's a thousand square feet, I'm being told, and you refuse to move to somewhere smaller.

• 40:16Speaker 03

  It's a nice area.

• 40:18Caleb Hammer?

  Nowhere in Central Florida is a nice area, one.

• 40:20Speaker 03

  True, but like

• 40:21Caleb Hammer?

  Two.

• 40:21Speaker 03

  Crime wise.

• 40:23Caleb Hammer?

  Uh, still same applies and two.

• 40:26Speaker 03

  No, nothing really happens in my complex.

• 40:28Caleb Hammer?

  A complex, buddy, I, you can move to a smaller unit.

• 40:33Speaker 03

  No.

• 40:33Caleb Hammer?

  In a safe complex.

• 40:34Speaker 03

  Oh, well, yeah, but it's still gonna be like, base rent is still like fifteen hundred most places.

• 40:39Caleb Hammer?

  What is this? Listen, all I care about is what it costs in the end regardless of base rent versus fees and all this shit.

• 40:45Speaker 03

  Well, I don't know, because I haven't moved, so I don't know what other people's fees and stuff are.

• 40:48Caleb Hammer?

  Way to figure out what rent is. You have to move to find out what rent is.

• 40:52Speaker 03

  Well, I just look and it's like, base rent is like fifteen hundred.

• 40:54Caleb Hammer?

  Bro, call, email.

• 40:57Speaker 03

  I guess.

• 40:57Caleb Hammer?

  What is wrong with you? Why do you have no ability to Google or do anything?

• 41:00Speaker 03

  I don't wanna move, so.

• 41:02Caleb Hammer?

  Yeah, but you might need to after the pay cut, because with overtime, yes, is forty two hundred.

• 41:09Speaker 03

  Well.

• 41:09Caleb Hammer?

  Is what comes in and you're taking a pay cut.

• 41:11Speaker 03

  I'm at least stuck here until November.

• 41:13Caleb Hammer?

  Thirty eight hundred, it's like thirty eight hundred, so if your rent is, what did we determine, like two thousand after everything? Right?

• 41:22Speaker 03

  I guess.

• 41:23Caleb Hammer?

  Nineteen fifty after everything? Now we're gonna bring this down to about thirty eight hundred. Yeah, it's gonna be fifty two percent of your income. And again, that is before your debt. Before your debt. And I know there's extra on top of that too, because you use your mom all the time. Use your mom to buy things. You're like, I'll just pay you back, I'll just pay you back, I'll just pay you back.

• 41:43Speaker 03

  Yeah, well, because we go do stuff together, so she'll pay for it and then I just split it usually in two.

• 41:47Caleb Hammer?

  You have to just pay you back?

• 41:48Speaker 03

  Yeah.

• 41:49Caleb Hammer?

  So, calculate that with the fifty two percent going to rent, and that is before any extra things that are gonna be done after your pay cut. Before any debt, before any other living expense. There is no way you're gonna be able to do this. You're done.

• 42:06Speaker 03

  Well, I can't leave my agency for two years.

• 42:09Caleb Hammer?

  Why? What happened?

• 42:10Speaker 03

  Because of their tuition reimbursement. I'm like, I have to stay for two years after they've paid for school.

• 42:14Caleb Hammer?

  Okay, what, two years from when?

• 42:17Speaker 03

  Um, well, my last class will be, uh, summer, so, and they'll, so I'll get the refund in August, probably.

• 42:22Caleb Hammer?

  Then I would grind for two years on the better pay worse job, because at least you can live. Potentially, it gives you a better shot. And that sucks, but also you'll only be 31 at that time. Oh, it's scary.

• 42:36Speaker 03

  Sounds scary.

• 42:37Caleb Hammer?

  Oh, yeah, I guess it is.

• 42:39Speaker 03

  It's more than night, like I, with the job, it's just the night shift thing. Like I want like a normal life. I don't have one.

• 42:45Caleb Hammer?

  Well, the more and more you work there, the more leverage you have, right, to get the day shift?

• 42:49Speaker 03

  Well, I don't want to go to day shift. Well, I don't want to go.

• 42:51Caleb Hammer?

  I hate the night shift. I don't want the day shift. What is wrong with you?

• 42:54Speaker 03

  I don't want to go.

• 42:55Caleb Hammer?

  You are such a brained individual.

• 42:58Speaker 03

  My therapist probably agrees, but.

• 43:00Caleb Hammer?

  She does, 100%. She probably also enables you.

• 43:03Speaker 03

  No, no, I have a really good therapist.

• 43:05Caleb Hammer?

  Enables her.

• 43:06Speaker 03

  But I go 5:30 a.m. to 5:30 p.m. is not gonna solve my life. I'd have to go to bed at like 7:30 p.m. That's crazy.

• 43:13Caleb Hammer?

  Not necessarily, but it depends.

• 43:15Speaker 03

  I'd have to wake up at like 3:30.

• 43:17Caleb Hammer?

  Choose. I hate the night shift. I hate the day shift. You hate that job.

• 43:19Speaker 03

  Well, I want, no, I don't hate the actual job.

• 43:22Caleb Hammer?

  But you hate either of the two shifts?

• 43:24Speaker 03

  Well, no, I just, I don't want to, I, sleeping wise, I'd like to just have like a nine to five. Like I'd rather have a normal life.

• 43:30Caleb Hammer?

  I would rather that too, but you've set yourself in a position where you can't. So grind for two years through the poopy position. And then nine to five.

• 43:39Speaker 03

  But like the analyst position.

• 43:41Caleb Hammer?

  Oh, my goodness, what?

• 43:43Speaker 03

  Well, they don't come up.

• 43:43Caleb Hammer?

  But what?

• 43:44Speaker 03

  I don't know. It's like, they're very competitive, so you kind of have to like apply for them. Like I've been applying for like three years to get out. So it's like you kind of have to apply every time they come up. Now, whether I take it or not is a different story, but like you kind of have to like get out there.

• 43:58Caleb Hammer?

  I'm telling you, no. Do not. We focus on paying off debt and setting yourself up for success.

• 44:04Speaker 03

  Okay.

• 44:07Speaker 03

  I really don't want to, but okay.

• 44:08Caleb Hammer?

  Is, is life all about want? You do have to pay for the mistakes you have made.

• 44:13Speaker 03

  I know.

• 44:14Caleb Hammer?

  And you have to accept the reality of the rent. If you refuse to downgrade your rent situation, that is your choice. Your choice is making that you have to continue to make more money. Or downgrade your living situation and you can take a pay cut.

• 44:25Speaker 03

  Well, eventually I'd also like to be with somebody so that it wouldn't.

• 44:28Caleb Hammer?

  Well, good luck, because who would want to be with you?

• 44:32Speaker 03

  I'm sure a lot of people.

• 44:33Caleb Hammer?

  Okay, one, you're not willing to work on relationships in a healthy way. Two, you abandon them for L.A. immediately. Three, you make horrible career and spending choices. And then four, the moment you break up with them, you blame all your mistakes on them.

• 44:44Speaker 03

  I didn't blame all of it.

• 44:46Caleb Hammer?

  Sorry, 50% of your mistakes on them. Freak. Like, what? Of course. Who's, who's choosing this?

• 44:53Speaker 03

  I'm sure a lot of people.

• 44:55Caleb Hammer?

  Brandon, when's the last time you saw someone that looked like her on screen?

• 45:01Caleb Hammer?

  I don't think you're gonna get a job. I don't think you're gonna be on camera.

• 45:05Speaker 03

  Oh, we're back to acting. Okay.

• 45:06Caleb Hammer?

  If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, "I just wanna know where my money's going without being judged for it"?

• 45:50Caleb Hammer?

  You're not alone. That's exactly what we built Dollar Wise. If you want a calm and clearer way to see where your money is going, try Dollar Wise. Download the app today and get a three-day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Starbucks is bull [BLEEP] and a waste of money. And you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. Honestly, it literally tastes better.

• 46:35Caleb Hammer?

  And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 46:40Speaker 04

  The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

• 46:47Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg. Or click that link in the description below, type in code CALEB. I just don't think it's gonna happen. I'm sorry.

• 46:59Speaker 03

  I mean, if it happens, it happens.

• 47:01Caleb Hammer?

  That's the cut the bullshit, like, I'm not just, like, saying something to be mean. I'm also not just gonna not say things to be nice. If that is what your actual aspirations are, you are in a beyond, beyond, beyond small percent.

• 47:13Speaker 03

  Well, my mindset right now with it is if it happens, it happens. If it doesn't, that's us.

• 47:16Caleb Hammer?

  Yeah, but your time and energy could be focused towards something that is more likely to actually benefit your life.

• 47:21Speaker 03

  Okay, well, it could be a fun hobby.

• 47:25Caleb Hammer?

  Yes, but you are dying in debt. You can barely afford your rent. You're blaming everything on your ex. Fun hobby isn't necessarily the big conversation we're having when we have to clean up everything.

• 47:38Caleb Hammer?

  All the mistakes you've made, just trying to keep bills met.

• 47:43Speaker 03

  So I have to stay at this job?

• 47:44Caleb Hammer?

  At a minimum, probably, unfortunately. Until you at least just pay off your debt.

• 47:49Speaker 03

  Okay.

• 47:49Caleb Hammer?

  Just that, or downgrade your living situation. Choose one.

• 47:53Speaker 03

  Well, I'm stuck in this lease until November, so...

• 47:54Caleb Hammer?

  After that, dumbass.

• 47:56Speaker 03

  Okay. We'll see.

• 47:58Caleb Hammer?

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

• 48:04Speaker 03

  Oh, I did take your quiz. Um, it was either 1.7 or 2.7.

• 48:07Caleb Hammer?

  And we love that quiz. Get your number, get your assessment at CalebHammer.com. Take the financial, the Hammer Financial Score Quiz. Just takes a few minutes and it is free. See where you stand in the world of money. And if you don't want to be like a guest who ended up on the show, especially her, it's perfect for her. Download the Dollar Wise Budget app. It is changing the entire budget in that marketplace. It is great. It is actually easy to use. You can actually use it without being overly complicated and confused, like all the other crappy things out there that try to sell you a bunch of different shit. This is the one to use, DollarWise.com. Take a free trial to see if you even like it before you commit to anything. Then most people take the annual version because it saves about 50%. And then you get my personal 30-day meal plan that is based on a budget that you can use and stick to for every month, every day, every year,

• 48:51Caleb Hammer?

  so that you can actually budget yourself and clean up your mess. Check it out. I will sign it and mail it directly to you. All right, let's get into some shit. Let's get into some numbers, shall we? Now that I understand you.

• 49:06Speaker 03

  Okay.

• 49:06Caleb Hammer?

  And that understanding is, you're [bleep] mentally.

• 49:11Speaker 03

  Yeah, probably.

• 49:13Caleb Hammer?

  Yes. And I'm surprised, how was he not the one that left you? Genuinely.

• 49:18Speaker 03

  I don't know. I think he thought I was never gonna leave, so...

• 49:21Caleb Hammer?

  $4,498.17.

• 49:24Speaker 03

  Oh, that's more than that now.

• 49:27Caleb Hammer?

  It's higher? Why? Why? What did you do?

• 49:31Speaker 03

  I don't know.

• 49:32Caleb Hammer?

  What's the New Balance?

• 49:33Speaker 03

  Uh, probably like 56 or 57.

• 49:37Caleb Hammer?

  Pull it up.

• 49:37Speaker 03

  But I put, um...

• 49:38Caleb Hammer?

  Pull it up.

• 49:38Speaker 03

  I put...

• 49:39Caleb Hammer?

  Pull it up.

• 49:40Speaker 03

  I put my flight and hotel for this on there, too.

• 49:42Caleb Hammer?

  Pull it up.

• 49:44Caleb Hammer?

  Pull it the f up. What are we doing? See, this is another thing. She opened this car because a random ex-boyfriend told her. Do you, do you have no, uh, personal ability to advocate for yourself?

• 49:58Speaker 03

  Well, I just, they sound, they sound like they know more than I do. So then I, he told me to open, I didn't have a credit card.

• 50:04Caleb Hammer?

  Why? You have no knowledge? You can't check things on the internet? I always question everything.

• 50:08Speaker 03

  I don't know. I just like, they sound like-

• 50:09Caleb Hammer?

  You're easy to manipulate? Like, what? What?

• 50:12Speaker 03

  You just wanna see the credit card?

• 50:15Caleb Hammer?

  Yes.

• 50:18Caleb Hammer?

  Oh, yep. Fifty-seven, oh, eight, eighty.

• 50:25Caleb Hammer?

  Dude. Stupid. Minimum monthly payment on a situation where your rent is beyond your control. Is already two hundred ninety-one dollars and sixty-three cents.

• 50:37Speaker 03

  It's because I have like pay plans on there for like-

• 50:39Caleb Hammer?

  Why?

• 50:40Speaker 03

  I don't know. They offer, they like offer-

• 50:42Caleb Hammer?

  Oh, they offer it, so we have to do it. Shut the fuck up.

• 50:44Speaker 03

  Well, it's-

• 50:44Caleb Hammer?

  Instead of twenty point four nine percent interest rate of death, insanity. Lift, DoorDash.

• 50:50Speaker 03

  It's while I'm here.

• 50:51Caleb Hammer?

  Door, you're DoorDashing while here? You're here. Why are you DoorDashing?

• 50:54Speaker 03

  Well, last night I got back late, so I needed food before it closed. It was like ten p, it was like eight forty-five.

• 50:59Caleb Hammer?

  To where?

• 51:00Speaker 03

  Oh, I went to Pilates.

• 51:01Caleb Hammer?

  You DoorDashed to Pilates?

• 51:04Speaker 03

  No, by the time I got back to the hotel, it was like eight forty-five and everywhere was closing at like ten. So I just was like-

• 51:09Caleb Hammer?

  Go get food.

• 51:11Speaker 03

  I don't have a car.

• 51:12Caleb Hammer?

  Where did you stay?

• 51:14Speaker 03

  Um, I don't, like off of Fifth Street. It's like Fifth and-

• 51:17Caleb Hammer?

  Go get food!

• 51:19Speaker 03

  It was dark.

• 51:20Caleb Hammer?

  What? It's safer than Central Florida. I guarantee you that, one.

• 51:27Speaker 03

  But anyway, so I was like, and then so I just like went on DoorDash really quick so I could get food before everything closed.

• 51:33Caleb Hammer?

  You're on Fifth Street. By the way, uh, things are open past ten on Fifth Street. You're on Fifth Street. Fifth Street, downtown, east side. You could go anywhere. There's so many good restaurants, and it is-

• 51:42Speaker 03

  Well, there was like-

• 51:42Caleb Hammer?

  Overall safe.

• 51:43Speaker 03

  Most things were like over a ten-minute walk. It was dark.

• 51:47Caleb Hammer?

  Oh my gosh.

• 51:48Speaker 03

  I'm by myself.

• 51:49Caleb Hammer?

  First of all, no, it is not that dark on Fifth Street. It's very well lit.

• 51:53Speaker 03

  It's not dark.

• 51:54Caleb Hammer?

  It's not. Why are you so afraid, victim in this world? Oh my goodness, what is wrong with you?

• 52:00Speaker 03

  I just figured it was safe.

• 52:01Caleb Hammer?

  People live there, so many people live on Fifth Street, you walk outside and yes, it's a 10 minute or five minute walk to something. I get.

• 52:09Speaker 03

  I didn't want to be there at like 9:30.

• 52:11Caleb Hammer?

  Shut the fuck up, shut the fuck up. What map do you use? Google map, Apple map?

• 52:15Speaker 03

  Uh.

• 52:16Caleb Hammer?

  Google map?

• 52:17Speaker 03

  No, Apple map, sorry.

• 52:17Caleb Hammer?

  Oh, I knew you.

• 52:20Caleb Hammer?

  Show me your hotel.

• 52:24Caleb Hammer?

  You are a broken individual. You did not have to doordash and that is a safe area. That is a safe area.

• 52:29Speaker 03

  I'm not from here. I don't know that.

• 52:31Caleb Hammer?

  Oh my gosh, look up a. Anything. First of all, what, you think you're just gonna die when you go outside?

• 52:37Speaker 03

  Well, no, I just, again, when I went, I looked at restaurants on there. It said things were closing at 10:00 PM. It was like 8:45. So I was like, I'm just gonna doordash so I can get it here before fricking things close.

• 52:51Speaker 03

  It's Monday, things close early.

• 52:58Speaker 03

  I'm also kind of picky, so I don't know, it just was easier.

• 53:00Caleb Hammer?

  Picky? What's picky? You have every food right there. It's an urban core.

• 53:04Speaker 03

  Like I said, I didn't want to walk around in the dark.

• 53:08Caleb Hammer?

  What everyone does.

• 53:10Speaker 03

  Okay, well, maybe I'll give it a go tonight.

• 53:12Caleb Hammer?

  What is wrong with you? Delicious, just a couple little walk away. Yeah, that is time, but you would have been fine. Like, my goodness, you're, you're, you're the classic woman in 2026, just listening to true crime all day and you're terrified or you hear something on TikTok and you think you're a little victim and everything.

• 53:29Speaker 03

  I really don't.

• 53:29Caleb Hammer?

  Go outside, you're fine, the crime statistics aren't that crazy.

• 53:32Speaker 03

  Okay. I mean, I really don't like, I think things happen everywhere and I'm not gonna live my life afraid, but.

• 53:37Caleb Hammer?

  Like, I'm literally being told, yes, you do live your life in fear. You literally do not use dating apps because you think you'll get murdered, is what you told Lindsay. You are irrational. You are a classic, like, you think everyone wants to kill women. Like, this is not what happens. Yes, there is a statistical more likelihood chance to a woman than a man, but not just going outside the moment the sun is setting, that all of a sudden everyone turns into werewolves and they start slashing women. That's not what happens, true crime listener, living in fear for everything, not even using dating apps freak.

• 54:08Speaker 03

  I use them. I just like, I'm very weary about.

• 54:11Caleb Hammer?

  Cause you're afraid of everything irrationally. It makes no sense. TAF user?

• 54:15Speaker 03

  What is that?

• 54:16Caleb Hammer?

  Oh, I know for a fact you would. Open it. I need to see your cardigan. I need to see what other stupid mistakes you used.

• 54:21Speaker 03

  No, I actually genuinely, what is that?

• 54:22Caleb Hammer?

  It's something you would use now if it still existed.

• 54:25Speaker 03

  I genuinely, okay. I don't know what that is.

• 54:27Caleb Hammer?

  Well, this isn't TAF conversation. This is Financial Audit, so I'm not having a full conversation regarding it. But not only that, you DoorDash'd, uh, uh, three times yesterday. So, like, what are we doing? So I think you DoorDash'd when the sun was nice and up as well.

• 54:40Speaker 03

  Um, yeah, when I first got here.

• 54:45Caleb Hammer?

  So it's not the fear and you are Shut the

• 54:49Speaker 03

  I was really hungry.

• 54:50Caleb Hammer?

  What a Really hungry. Two minutes. A literal across the street. Every restaurant, great choices.

• 54:57Speaker 03

  Well, then I also wanted to take a nap, so I figured I was already there.

• 54:59Caleb Hammer?

  Good. Eat, walk back, sleep.

• 55:02Speaker 03

  Yeah, I guess I could have probably done that.

• 55:03Caleb Hammer?

  Oh my goodness, and you could use some steps. Open it. If you want to be on camera. And, uh, you're also late to the studio this morning because you DoorDash'd to your hotel this morning, which, by the way, I know this hotel. Uh, they have breakfast.

• 55:21Speaker 03

  Well, I didn't eat breakfast. I just got coffee.

• 55:22Caleb Hammer?

  They have coffee.

• 55:24Speaker 03

  I don't like hot coffee.

• 55:26Caleb Hammer?

  There are ice machines.

• 55:28Speaker 03

  Yeah, but like, there's no way that There's no way that coffee is good.

• 55:31Caleb Hammer?

  You could have got coffee here. You know where we are. There is coffee options.

• 55:35Speaker 03

  I actually genuinely didn't.

• 55:36Caleb Hammer?

  You don't use maps? Why don't you look things up? I, what is wrong with you? I could never live my life like you. You are a broken individual who can't open apps. Other than DoorDash. It's the only app you can open.

• 55:48Speaker 03

  I actually had to download DoorDash for this trip.

• 55:51Caleb Hammer?

  Had to.

• 55:52Speaker 03

  Well, no, I just, I didn't have it on my

• 55:53Caleb Hammer?

  Shut the

• 55:54Speaker 03

  prior to getting here.

• 55:55Caleb Hammer?

  Broken individual. Lift, lift, lift. You're lifting everywhere, so.

• 55:58Speaker 03

  I don't have a car.

• 55:59Caleb Hammer?

  You are in the dense area of Austin with walkable to everywhere.

• 56:04Speaker 03

  Well, I had to get from the airport to here.

• 56:06Caleb Hammer?

  That one's one Uber lift trip so far.

• 56:08Speaker 03

  And then I went to Pilates and back.

• 56:10Caleb Hammer?

  You could have walked to Pilates. There's about five Pilate things around there.

• 56:13Speaker 03

  Not at the time. It was like 7pm. I went to a 7pm class. There was not any.

• 56:17Caleb Hammer?

  Where was it?

• 56:17Speaker 03

  Well, so.

• 56:17Caleb Hammer?

  Where was it? Where was it? Where was it?

• 56:19Speaker 03

  Oh, I don't know. It was wherever. I don't.

• 56:22Caleb Hammer?

  Where was it? What did things look like?

• 56:23Speaker 03

  Um, there was a movie theater.

• 56:25Caleb Hammer?

  Alamo?

• 56:27Speaker 03

  Yeah, I think so.

• 56:27Caleb Hammer?

  Drafthouse? You could have walked.

• 56:29Speaker 03

  No, it was like a 20-minute Uber or Lyft drive. But I use ClassPass, so it's like I also could only go, I only went to the studios that I already have.

• 56:35Caleb Hammer?

  Lift, lift, lift, lift, lift. You did a lot of lifts. This isn't just going to Pilates.

• 56:40Speaker 03

  It's the tips too.

• 56:41Caleb Hammer?

  Yeah.

• 56:42Speaker 03

  Cause like a charge is separate.

• 56:43Caleb Hammer?

  Two of those were tips. Still a lot of lift. And getting

• 56:47Caleb Hammer?

  uh, yeah. You were late here, making me start late, cause you had a DoorDash to your place.

• 56:55Speaker 03

  Well, yeah, they got lost and whatever.

• 56:57Caleb Hammer?

  Here's the also thing, okay, she couldn't drink your coffee there. Literally across the street is a coffee shop, so. She could have walked downstairs and got coffee and walked upstairs and

• 57:07Speaker 03

  Oh, everything said it was like a 10 minute walk.

• 57:09Caleb Hammer?

  Late. And also, uh, daylight savings time, um, you're terrified times. No, it wasn't dark this morning.

• 57:18Speaker 03

  When I first woke up, it was still dark.

• 57:21Caleb Hammer?

  You weren't late because you ordered right when you first woke up. We filmed these. What time did she have to get here? 9:30. Shut the up. You have no idea what you're talking about, ever about anything. And number two, you were terrified about the freaking out last night? It was still light at 7:30. It was light. I was out at 8. It was light out.

• 57:39Speaker 03

  No, I got, I got home at like 8:45. It was dark. The whole, my, almost my whole lift drive home was in the dark.

• 57:48Caleb Hammer?

  Dark in the streetlights of downtown. I swear. What's you talking about?

• 57:55Caleb Hammer?

  Where's the Sunpass?

• 57:56Speaker 03

  Um, it's the tolls.

• 57:58Caleb Hammer?

  Okay, lots of tolls, plan fee from Publix.

• 58:01Speaker 03

  Well, yeah, that's the

• 58:01Caleb Hammer?

  I, listen, I do not want to diminish that there are more statistical likely things to happen to a woman than a man, especially at night. That is a statistical reality. But you are clearly indicating you are, you are clearly using this as a cope, just like you use your breakup as a cope, just like you use the acting thing, everything you've done as a cope, blaming your ex and whatnot. Your fear thing is because you wanted to

• 58:28Speaker 00

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• 58:57Caleb Hammer?

  DoorDash, because you DoorDash coffee this morning when you're gonna walk downstairs and got coffee in the daylight, because you DoorDash when you first got there during the daylight, instead of actually going outside. It's well lit, in a safe area, you would've statistically, 99.99% been fine, just like anyone else, okay? So I'm not dismissing potential extra realities, if you're in a sketchy area, or whatever. You weren't, whatever, okay, I get it, okay? People go out all the time, you're fine, you're not a random victim.

• 59:33Speaker 03

  Okay, I'll go out tonight.

• 59:35Caleb Hammer?

  Oh, yeah, spend money.

• 59:36Speaker 03

  I have to eat.

• 59:37Caleb Hammer?

  You know what me and my family used to do when we used to travel and do road trips and went to hotels? We'd go to the grocery store when we got places, because we couldn't afford going out.

• 59:45Speaker 03

  Well, I did get some drinks and stuff earlier.

• 59:47Caleb Hammer?

  Okay, well, that's not food.

• 59:48Speaker 03

  Like, I brought snacks.

• 59:50Caleb Hammer?

  But it's still not food.

• 59:52Speaker 03

  Well, how am I supposed to cook in a hotel?

• 59:53Caleb Hammer?

  Oh my gosh, you know what we used to do? We got cold meats, bread.

• 1:00:00Speaker 03

  I don't like those.

• 1:00:02Caleb Hammer?

  I don't care, you have no money, get a banana, you fucking freak. And everywhere has microwaveable meals, and I know that hotel, you got a microwave.

• 1:00:12Speaker 03

  Yeah.

• 1:00:13Caleb Hammer?

  Okay, so your minimum payment's higher now, fuck, it's gonna take 12 years to pay off now. Yes, as I expected, she does pay more than the minimum, by like 100 bucks, and she purchased $1,232 before she even purchased on her new shit. And it's all fucking stupid, copes as usual. It's not because you're a victim by being a woman, it is because you wanted to do bullshit and go to this, what is this? Melee, kagala, makaka.

• 1:00:39Speaker 03

  Huh?

• 1:00:40Caleb Hammer?

  Kalamakaka.

• 1:00:41Speaker 03

  What?

• 1:00:42Caleb Hammer?

  Kalikamilaka.

• 1:00:47Caleb Hammer?

  Melee? Melee? Okay, pretzels, bullshit food, bullshit food, bullshit food, Mexican food.

• 1:00:55Caleb Hammer?

  Passmart, that's fine. Sunpass, that's fine. TJ Maxx, getting into bullshit. Alta $110. Chick-fil-A, Barnes & Noble. It's not because you were gonna get [bleep] going outside that you had to do all this.

• 1:01:05Speaker 03

  Well, some of it's Christmas.

• 1:01:05Caleb Hammer?

  And it wasn't because of your boyfriend.

• 1:01:07Speaker 03

  Well, that was, a lot of that's Christmas.

• 1:01:09Caleb Hammer?

  Okay, all this stuff after Christmas. I highly doubt this Chick-fil-A was. Highly doubt that Starbucks was. Highly doubt that McDonald's was. Highly doubt that Shein after Christmas was. Highly doubt that membership after Christmas was. Highly doubt that Chipotle after Christmas was. Highly doubt that, uh, what is ClassPass?

• 1:01:25Speaker 03

  Um, it's like a, you can go to like different workout classes and stuff like that.

• 1:01:29Caleb Hammer?

  Okay. Well, okay, that would be fine. I'd be okay with that. Highly doubt this cat, you're paying, she's paying $30 for a Cassidy Network. Oh. So it's not, it's not just free. It's not just free. It's not just passion. Yeah. Uh huh. Okay. And that's not for Christmas and neither is Tivvy's for Christmas. So shut the [bleep] up. It's for Christmas. You don't know what you're talking about. You are coping. You're a coper. You're coping and you're getting fees on hotel and Yankee and Pilates and Chewy's. You have these financing fees that you're doing, like Alta and Publix and Publix. Shut the [bleep] up. $22 of fees this year so far already. Actually, no, that was just within January and within January, $40 interest. Shut the [bleep] up. Shut the [bleep] up. Shut the [bleep] up. You went to Disney for a bullshit wine festival. That ain't Christmas. Shut the [bleep] up.

• 1:02:09Speaker 03

  It was for my birthday.

• 1:02:09Caleb Hammer?

  Shut the [bleep] up.

• 1:02:11Speaker 03

  It was for my birthday.

• 1:02:12Caleb Hammer?

  Okay, that ain't Christmas. I don't care. You turned a scary age. You don't, you're not even happy about it. Shut up. I don't care. You're coping. You're coping. You're coping about everything. I have an excuse for everything and I don't want to hear it. I do not want to hear it. You're already maxed out on buy now, pay later. And you're getting fees for it every second of your life. So I don't want to hear it.

• 1:02:30Speaker 03

  I thought the plans would be less than the interest.

• 1:02:31Caleb Hammer?

  You thought everything. You know nothing.

• 1:02:33Speaker 03

  Kind of true. Um, but I thought the plan, I thought the plan option, because you don't get charged interest, you get the plan fee. I thought the plan fee would be less than the interest. So that's why I did them.

• 1:02:44Speaker 03

  I don't know if that's true or not, but I don't.

• 1:02:47Speaker 03

  So.

• 1:02:48Caleb Hammer?

  You know you can just not spend on a credit card. You know you can just spend money, not spend money you don't have. And you'd be totally good.

• 1:02:53Speaker 03

  Well, at some point I was like.

• 1:02:54Caleb Hammer?

  There is just that.

• 1:02:55Speaker 03

  I, at some point.

• 1:02:56Caleb Hammer?

  I would say that's better.

• 1:02:57Speaker 03

  At some point I was like, okay, I can, I can pay this off. And then it kind of got out of hand where I couldn't.

• 1:03:02Caleb Hammer?

  Oh, because they got a boyfriend. Shut the fuck up. Like, it just makes no sense. This is you. This is your responsibility. You're a child. You're immature. Shut up. I'm sorry. Okay. It's just your, your coping excuses. They're so stupid, especially when they're baked in irrational dumbassery. It's absolutely stupid. Listen. Listen, I'll let you use the mine card. It used to be called the fizz card. Now it's the mine card. It's a debit card that builds credit. If I know you want to build credit, at least it won't you, won't let you spend more than what's in your checking account. Okay? That's the way to do it. Here's the reality. You also have a Wells Fargo plat- Visa Platinum card.

• 1:03:34Speaker 03

  Yeah, I opened that one up for tuition.

• 1:03:37Caleb Hammer?

  What?

• 1:03:37Speaker 03

  Cause it's tuition reimbursement, but, and I didn't get approved for student loans. So, um, I just opened that up because it was zero percent.

• 1:03:43Caleb Hammer?

  Why don't you approve for student loans?

• 1:03:45Speaker 03

  Um, so I, my, my coworker and I tried to figure this out. I think it's because, um, the certificate is only for classes and I guess I don't actually like.

• 1:03:55Caleb Hammer?

  So you put it on a credit card?

• 1:03:57Speaker 03

  How else was I gonna pay for the tuition?

• 1:03:58Caleb Hammer?

  Uh, I would rather do a private student loan before a credit card.

• 1:04:01Speaker 03

  Well, it was zero percent APR until.

• 1:04:03Caleb Hammer?

  For now, until it's not. And it also takes 20 years to pay off. 2027 is next year. It's not that far away anymore.

• 1:04:10Speaker 03

  I'll get, but I'll get reimbursed. And then I did do two balance transfers.

• 1:04:13Caleb Hammer?

  So it's just balance transfer, balance transfer, balance transfer. That's all it is. And then you get the fees added to it.

• 1:04:18Speaker 03

  Yeah.

• 1:04:19Caleb Hammer?

  So this isn't the student loans. This is a balance transfer.

• 1:04:21Speaker 03

  Well, it's student loans and, or it's student loans and the balance transfer.

• 1:04:24Caleb Hammer?

  What? I don't see the student loans. I see, is it higher now? Cause I only have a balance transfer of 2567.

• 1:04:29Speaker 03

  Um, it, I don't know. Cause December I got tuition.

• 1:04:34Caleb Hammer?

  Oh.

• 1:04:36Speaker 03

  Reimbursement.

• 1:04:37Caleb Hammer?

  Oh.

• 1:04:38Speaker 03

  I put the semester's tuition on it.

• 1:04:44Caleb Hammer?

  It is so stupid. What? And Lindsay said you blame financial audit for doing the balance transfer because you didn't know what they were before.

• 1:04:50Speaker 03

  Yeah, I didn't.

• 1:04:52Caleb Hammer?

  I specifically say every time someone does it, don't do it until you change your behavior.

• 1:04:56Speaker 03

  Well.

• 1:04:57Caleb Hammer?

  You can't blame me when I have that very clear caveat that I say every time. It is higher. It's double. It's 5,500. Shut the fuck up. What? What? What? What do you want?

• 1:05:06Speaker 03

  It was January, January, or the tuition for the semester.

• 1:05:09Caleb Hammer?

  Quiet now. It's still a balance. 5,556,200. It's not stupid. That means the minimum payment's higher, stupid.

• 1:05:15Speaker 03

  It's like $53?

• 1:05:16Caleb Hammer?

  Yeah, stupid. $53. Higher. Asshole. 56.

• 1:05:24Caleb Hammer?

  Me. Me!

• 1:05:28Speaker 03

  And the first balance transfer I did was from the Chase card.

• 1:05:31Caleb Hammer?

  Fees, fees, fees. It's just getting dicked up in fees. My goodness, what are we doing? What a joke. What if it's not a joke and you're almost maxed out now? So good luck. You're gonna get to that situation again. That just happened with that other card and you're gonna be done. You're gonna be done!

• 1:05:45Speaker 03

  Well, I'll get tuition reimbursement at the end of the semester.

• 1:05:47Caleb Hammer?

  The Chase card was the $500 in November. Now it's over 56. You see the trend this is happening?

• 1:05:53Speaker 03

  It was $500 in like August.

• 1:05:55Caleb Hammer?

  And now it's at 5,600. You see the trend? 5,700. You see the trend that we're doing? Wells Fargo was nothing. And then you, everything's going, sound effect at all. It's all going in the wrong direction.

• 1:06:07Speaker 03

  But I'll get the tuition reimbursement.

• 1:06:08Caleb Hammer?

  You'll get the tuition reimbursement. Great. So that covers half of it. Fuck you. And then the other multi thousands of dollars will accrue interest here soon. Plus, you already had the fees added to it regardless. So you're getting, what, what, what is it? Like a 12%, 15% fee? The private student loan will be at like an 8% interest rate, depending what you look at.

• 1:06:23Speaker 03

  It's 0% APR.

• 1:06:24Caleb Hammer?

  No! You're not gonna pay it off. You only make your balances go higher. That's all you've done. That's all you've done in the last year. So I don't want to hear it. Yes, I know 0% now, and I know it's gonna be different in a year. That's not what matters. What matters is the trend you're going on. The trend that you're going on right now is suggesting that you will not be able to touch it regardless. Nor pay off a balance, nor make any progress towards it whatsoever by the time the interest accrues.

• 1:06:43Speaker 03

  I haven't used it since, other than I...

• 1:06:45Caleb Hammer?

  Buddy, you just did. Put tuition on.

• 1:06:47Speaker 03

  Well, but I'm saying I opened it for school.

• 1:06:49Caleb Hammer?

  Buddy, buddy, buddy, buddy. You just balance transferred and buddy, buddy, it's almost... It's maxed out, so you can't regardless. So shut up. And guess what, buddy, buddy, buddy, it really doesn't matter. Because you're using your Freedom Card until it's maxed out for those extra purchases and then you'll use your Visa. I see this every day of my life. I know where this story ends. You can't defend this and say, well, it doesn't matter 0% right now. Everything is going in the direction of up. In the moment that that Freedom Card no longer has the ability to spend on it because you have to DoorDash. Because you're terrified of being a woman in 2016. Oh, that is very scary to have a pussy. All of a sudden, you're like, shit, I can't spend on there anymore. And I'm still a woman afraid of getting because it's dark outside. Believe that word. And then all of a sudden, you're like, oh, I gotta spend on my Visa Platinum card, my anti-card.

• 1:07:35Caleb Hammer?

  It's terrible. It's like, everything's just gonna get

• 1:07:38Speaker 03

  Well, I know besides the balance transfers and the tuition, I haven't used it.

• 1:07:43Caleb Hammer?

  Yet. Did you not? Did you not just hear what I just said?

• 1:07:47Speaker 03

  No, I'm not gonna use it.

• 1:07:48Caleb Hammer?

  No, did you not just hear what I just said?

• 1:07:50Speaker 03

  Well, I'm not gonna

• 1:07:51Caleb Hammer?

  Well, hey, what did I just say?

• 1:07:52Speaker 03

  You said that once I maxed out the Chase one, or yeah, the Chase one, I'm just gonna use this one.

• 1:07:56Caleb Hammer?

  That's why you're not using this one because you're using your Chase card. The moment you can't, you will put that somewhere else because you need to spend more money than you have.

• 1:08:04Speaker 03

  My Chase one is like $20,000 limit that I'm not gonna use, so.

• 1:08:08Caleb Hammer?

  Well, how can you suggest you're not gonna use it when it was just a few hundred bucks a few months ago? And now it is 5,700. You literally are. At this pace, at this pace, actually, in about a year and a half, it will be maxed out at 20. At the pace you are going, yes. You can't say no.

• 1:08:24Speaker 03

  I've never had it that high.

• 1:08:25Caleb Hammer?

  It doesn't matter if you never have. The pace you are going now, that's where it's going. And you can't, oh, your cokes are crazy. You can't just tell me you're not going to. That's where it's going.

• 1:08:37Caleb Hammer?

  That's where it's going, asshole.

• 1:08:39Speaker 03

  I'm not gonna use it.

• 1:08:40Caleb Hammer?

  Guys, good, good news. She's not gonna use it.

• 1:08:43Speaker 03

  I haven't used it.

• 1:08:44Caleb Hammer?

  All she's doing is only getting worse. Thank goodness. Oh, that makes me feel so much better. I'm so confident.

• 1:08:48Speaker 03

  It's my, I've labeled it as my full card.

• 1:08:50Caleb Hammer?

  I don't give a shit. Nothing you say is gonna impact how I view this. I see your trend. I have these conversations every day of my life. Stop.

• 1:08:59Speaker 03

  We'll see.

• 1:09:00Caleb Hammer?

  Fees up the dick. Expiration is not far away. It's a year away. Saver card. What's going on here? Interest accruing.

• 1:09:09Speaker 03

  Um, well, that one was 0% APR until December.

• 1:09:13Caleb Hammer?

  And then all of a sudden interest started to accrue. It's weird how that works.

• 1:09:16Speaker 03

  And then.

• 1:09:16Caleb Hammer?

  And the balance wasn't paid off. That's curious. How does that happen, chat? Chat, how does that happen? That's weird. That's weird. It was 0% APR until it wasn't. And it's weird. Then the balance wasn't paid off by the time that 0% APR ended and then interest started to accrue. That's really unique. I wonder if that would apply to anything else ever.

• 1:09:32Speaker 03

  Well, then.

• 1:09:33Caleb Hammer?

  That's really curious.

• 1:09:34Speaker 03

  I did a balance transfer for to the amount basically maxed out the Wells Fargo.

• 1:09:39Caleb Hammer?

  Uh huh. Because you can't make any progress in anything. You only kick the can down the road until you can't anymore. And then you're like we've seen on this show on those times and a balance transfer isn't even good anyway. Cause that doesn't change your behavior and you're going to spend on this card regardless. And it's going to go up, up, up, up, up.

• 1:09:51Speaker 03

  Well, I haven't used this one.

• 1:09:53Caleb Hammer?

  Yes. And since you did the balance transfer like a month ago, shut the f- You think that is a valid thing to say? I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new Dollar Wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt Dollar Wise. And it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time. Or trying it again after you used the shitty version last year.

• 1:10:37Caleb Hammer?

  But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33% discount for three months. Or take the annual plan for an insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan. Signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click those links below.

• 1:11:24Caleb Hammer?

  Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon, a game-changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever, and Dollar Wise is about to alter the future of personal finances as we know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting.

• 1:11:52Caleb Hammer?

  What are we doing here? Guys, what are we doing here? What are we doing here? What is... What are we doing? Caleb, Caleb! Can you show them the new Dollar Wise logo? Introducing Dollar Wise: Reimagined.

• 1:12:12Caleb Hammer?

  Dollar Wise: Rewrite Your Monopolies.

• 1:12:33Caleb Hammer?

  The old Dollar Wise is dead.

• 1:12:44Caleb Hammer?

  What'd you even open this card for?

• 1:12:45Speaker 03

  Um, I wanted to try to... I didn't get tickets to see Taylor Swift in Miami, so they were doing a giveaway if you had a Capital One card. So...

• 1:12:55Caleb Hammer?

  What? You opened a Capital One credit card just for the chance of a giveaway?

• 1:12:58Speaker 03

  Yeah.

• 1:12:58Caleb Hammer?

  Wasn't even to buy the tickets?

• 1:13:00Speaker 03

  Yeah.

• 1:13:01Caleb Hammer?

  Bro, that is the most ridiculous thing I've ever heard in my... life. That is for the chance of a giveaway.

• 1:13:12Speaker 03

  Yeah.

• 1:13:12Caleb Hammer?

  For a Lotto.

• 1:13:13Speaker 03

  Yeah. They did like a couple of different ones, but like it was, you just had to have a Capital One card. So I opened one.

• 1:13:26Caleb Hammer?

  I don't even know what to think about that is the most, this is, I've never heard a worse reason to open a credit card.

• 1:13:33Caleb Hammer?

  And did you get it?

• 1:13:34Speaker 03

  No.

• 1:13:35Caleb Hammer?

  Yeah.

• 1:13:37Speaker 03

  No, I did not.

• 1:13:37Caleb Hammer?

  Yeah, interesting.

• 1:13:38Speaker 03

  But I tried. I just, I wanted to try to win.

• 1:13:43Caleb Hammer?

  Uh huh, I know what you wanted. Again, you equate want with needs. Like you equate want with excusable. Like, I really don't understand that. And then you racked it all the way up. And then did the balance transfer.

• 1:13:56Speaker 03

  Yeah, well I-

• 1:13:57Caleb Hammer?

  You didn't make a payment.

• 1:13:58Speaker 03

  I originally-

• 1:13:58Caleb Hammer?

  And there is still an interest, you didn't balance transfer the whole thing.

• 1:14:00Speaker 03

  Well, I couldn't, because my tuition, I had two classes last semester, so the tuition was on the card. So I couldn't.

• 1:14:06Caleb Hammer?

  Uh huh, you see how this is starting to add up?

• 1:14:07Speaker 03

  I balance transferred as much as I could.

• 1:14:09Caleb Hammer?

  Weird how this works, guys. So curious. We don't have enough space to do the things we're trying to do. All of a sudden you run out of space, you open new credit cards, that only gets worse and you're in an inescapable position. Even now with the balance of being half, less than half, of 1,678 and 52 cents, because he did the balance transfer, it's still 11 years to pay off minimum, the payments only, without any purchases, and you are a purchaser.

• 1:14:31Speaker 03

  I haven't-

• 1:14:32Caleb Hammer?

  YOU ARE A PURCHASEER! Shut up, you can't tell me, I haven't used this card. You will. This is how people like you work? This is what you do? You did it on the Freedom Card, you do it in checking account? Here's the thing, total income that came in was about 6,000, okay, you had a great overtime month, well done, well done, well done, your spending was 10,300. So shut the [bleep] up. Shut the [bleep] up. Shut the [bleep] up. You can't tell me I'm just not spending on here, you will. Your spending is egregious, it is twice what you make. It is twice what you make. Twice what you make. You will rack it up at some point, you will. You already did, you already did, and then you had to balance transfer it. So shut the [bleep] up. Interest is accruing like none other.

• 1:15:18Speaker 03

  You said I spent $10,000?

• 1:15:19Caleb Hammer?

  $10,500.

• 1:15:21Speaker 03

  Oh, I hadn't, I did not know that.

• 1:15:27Speaker 03

  That's shocking. Okay.

• 1:15:32Caleb Hammer?

  Yeah, maybe use the Dollar Wise app, asshole.

• 1:15:34Speaker 03

  I did download it and then I didn't use it.

• 1:15:37Caleb Hammer?

  Well, now you get it for free. Actually fix your life like tens of thousands of other people out there and use it, dick. Oh, you also used that card to get an iPad and an Apple pencil. Critical for crime analysis.

• 1:15:47Speaker 03

  Well, I don't have a laptop, so I needed, so I just got.

• 1:15:50Caleb Hammer?

  So you needed an iPad? No, get a laptop.

• 1:15:53Speaker 03

  Um, well, I don't know. I just, I liked having an iPad.

• 1:15:55Caleb Hammer?

  Cheap little Windows laptop.

• 1:15:56Speaker 03

  Well, my, I had an iPad and I liked using that as a computer.

• 1:16:00Caleb Hammer?

  $500 Apple Neo right now.

• 1:16:02Speaker 03

  I don't know what that is.

• 1:16:03Caleb Hammer?

  It just came out and that would have been perfect for you.

• 1:16:05Speaker 03

  Well, I needed something for school because I was gonna go back to school.

• 1:16:08Caleb Hammer?

  Exactly. That's what it would have been.

• 1:16:10Speaker 03

  Well, I.

• 1:16:10Caleb Hammer?

  Well, you could have also got a cheaper window. Well, how much did that cost? That shit's expensive.

• 1:16:13Speaker 03

  Well, I had to get a new Apple pencil with it, so it was like $895.

• 1:16:17Caleb Hammer?

  There you go. You could have gotten a fine Windows machine for 600.

• 1:16:20Speaker 03

  Well, just because I use my planner on my iPad, so I was writing.

• 1:16:22Caleb Hammer?

  Could have used the calendar on your computer and a planner in your phone as well.

• 1:16:27Speaker 03

  I like to write.

• 1:16:28Caleb Hammer?

  Oh, my goodness, your copes are insane.

• 1:16:30Speaker 03

  I like to write.

• 1:16:31Caleb Hammer?

  I don't care what you like.

• 1:16:32Speaker 03

  It helps me remember.

• 1:16:33Caleb Hammer?

  I care about what you can afford. It's also called pen and paper. What everyone has done for college since forever.

• 1:16:40Speaker 03

  Well, yeah, I tried to use, I used to have like a planner, like an actual planner, but then like I would use it for like a month and then I would stop using it. So it, the digital one I've actually been using. So.

• 1:16:49Caleb Hammer?

  You can't afford it. It's as simple as that. It's just as simple as that. What is this? Do you have a Walmart card?

• 1:16:55Speaker 03

  Oh, um, somebody opened a.

• 1:16:57Caleb Hammer?

  See it because it's just.

• 1:16:58Speaker 03

  No, somebody opened a card in my name.

• 1:17:00Caleb Hammer?

  What have you done? This has been there.

• 1:17:02Speaker 03

  No, I, I.

• 1:17:03Caleb Hammer?

  For months. What have you done?

• 1:17:05Speaker 03

  I just got a letter last month that was, that they've proved it was fraud. I called and reported it to them, but I didn't notice until like a month later.

• 1:17:11Caleb Hammer?

  Good.

• 1:17:11Speaker 03

  And then, um, it took a while and, um, they sent me a letter like last month, I think, that said, um, that it was proven that was fraud and closed and stuff like that, but I still need, they said they reported it to the credit bureaus, but I still need to call and double check because it's still showing on everything as like a hard inquiry and stuff like that. So I don't know how long that normally takes.

• 1:17:30Caleb Hammer?

  I don't know. Have you called anyone?

• 1:17:31Speaker 03

  No, like, working nights, it's like, things are during business hours and I'm usually asleep.

• 1:17:36Caleb Hammer?

  You work seven days a week?

• 1:17:37Speaker 03

  No, but. I I forget a lot.

• 1:17:40Caleb Hammer?

  How many days a week do you work?

• 1:17:42Speaker 03

  Well, it depends.

• 1:17:42Caleb Hammer?

  Well, how about you use a special little planner?

• 1:17:45Speaker 03

  Okay, yeah, that's true. Um, I just like, I forget and then by the time I remember they're closed. Like, I'll remember, I'll like wake up.

• 1:17:50Caleb Hammer?

  How many days a week do you work?

• 1:17:52Speaker 03

  Um, on my short week, like two to three.

• 1:17:54Caleb Hammer?

  Normal week.

• 1:17:55Speaker 03

  Well, every other week alternates. One week is our long week and it's five. The next week is two or three.

• 1:18:02Caleb Hammer?

  How many times you go to Pilates a week?

• 1:18:05Speaker 03

  Depends, at least once or twice a week. Once or twice.

• 1:18:08Caleb Hammer?

  Okay, you can call them. Give me your phone.

• 1:18:19Caleb Hammer?

  First thing that popped up, by the way, is she just had it ready. I don't know why. Uber DoorDash Hinge. Thank goodness. The critical ones.

• 1:18:27Speaker 03

  I was curious when I got here, so I downloaded it.

• 1:18:29Caleb Hammer?

  Oh, you find any good dick?

• 1:18:31Speaker 03

  No, not really.

• 1:18:32Caleb Hammer?

  Isn't that kind of the whole point? Well, I'd go Tinder for that. Same company.

• 1:18:36Speaker 03

  I don't know. I just, I've only ever released. Yeah, I was gonna say Hinge and Bumble are the two that I usually use, but I was just curious. When I go places, I'll like, if I'm single, I download it just because I'm.

• 1:18:46Speaker 01

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• 1:19:15Speaker 03

  Curious, like, what are you looking for?

• 1:19:18Caleb Hammer?

  Most used apps.

• 1:19:21Caleb Hammer?

  Okay, yeah, sure. Although that's today. I don't care about today. Here we go. Okay, yes, within a week. Here we go. Here we go. She's on TikTok an average of four hours and 30 minutes every day?

• 1:19:32Speaker 03

  I doom scroll at work.

• 1:19:33Caleb Hammer?

  Mm-hmm. That's great. Well, people are actually doomed for their life. Uh, Instagram for two hours, 30 minutes, YouTube for two hours, 30 minutes. She's texting for an hour and 40 minutes. I don't know who you're texting. She averages a day DoorDash an hour 17 minutes.

• 1:19:52Speaker 03

  I scrolled a lot yesterday, but I don't-

• 1:19:53Caleb Hammer?

  That's crazy. Spotify an hour and 11 minutes, Apple Maps an hour and uh 4 minutes.

• 1:19:59Speaker 03

  To be fair, what I watch on YouTube is you, so-

• 1:20:02Caleb Hammer?

  She pickups Instagram 81 times a day. DoorDash 36 times a day.

• 1:20:10Speaker 03

  We use it at work sometimes, but-

• 1:20:12Caleb Hammer?

  TikTok 35. Yeah, you just no longer have an excuse that you can't make one single phone call, asshole.

• 1:20:17Speaker 03

  Well, a lot of it is when I'm at work. Like during downtime, which is at night.

• 1:20:23Caleb Hammer?

  Why do you have low power mode on?

• 1:20:24Speaker 03

  Oh, because it like stops like notifications and stuff, or like background stuff from happening.

• 1:20:29Caleb Hammer?

  Yeah, but it makes your screen stuttering. Freak.

• 1:20:32Speaker 03

  Oh, I didn't know that. I don't have any issues.

• 1:20:36Caleb Hammer?

  Okay, it is turned for what it's worth. And also for what it's worth, the fucking-

• 1:20:43Caleb Hammer?

  The guy you were messaging last night. He's also, he's also hot. And a Red Wings fan, so we're a fan. 29, 6 foot, doesn't smoke or do drugs, works in digital marketing, likes hockey. Okay.

• 1:20:56Speaker 03

  Sorry.

• 1:20:57Caleb Hammer?

  Look. Okay, he opened, he said, hey, smile the face, he said, hey, he said, how's the day going so far? So far, so good. How's yours? Busy as hell. Excited to be home, but actually finally. Fighting every urge to have a ill time nap right now.

• 1:21:11Caleb Hammer?

  Oh, well, I feel that I took a nap too. That's my fear. Ugh, wish I could have earlier. Just did Pilates, so I'm- Listen, you're the woman. All the cards are in your favor. You have to pursue. He doesn't want to get canceled. Listen-

• 1:21:26Speaker 03

  I wouldn't cancel him.

• 1:21:27Caleb Hammer?

  Uh huh. Listen, I'm only in town for tonight, then fly out tomorrow. I'm free for the rest of the day. Want to get together. There you go. Make a move, stop being a pussy. He's not gonna murder you.

• 1:21:38Speaker 03

  I prefer a man to make a move.

• 1:21:40Caleb Hammer?

  Huh?

• 1:21:40Speaker 03

  I prefer a man to make a move.

• 1:21:41Caleb Hammer?

  Exactly, but now everyone's afraid to. Statistically, about 40%.

• 1:21:45Speaker 03

  Well, I wouldn't cancel him.

• 1:21:46Caleb Hammer?

  Doesn't matter. That is not what the ecosystem has led to. There are consequences for how the culture has gone the last few years. Surprise how that works. And surveys suggest so. Cold approaching is down, what is it, like 70%? Uh, the statistics are bad.

• 1:22:00Speaker 03

  Yeah.

• 1:22:00Caleb Hammer?

  Thanks to people like you who are afraid of everything.

• 1:22:03Caleb Hammer?

  We overreact to everything. Okay, well, I'm glad this is uh killed. What's that minimum monthly payment on the saver card?

• 1:22:10Caleb Hammer?

  Fifty-five dollars, okay, good. Um, but you need a call, and if you can be on Instagram.

• 1:22:15Speaker 03

  Well, I have PTO, so I would, that's.

• 1:22:17Caleb Hammer?

  Oh, now I know why she's afraid of everything. She's on TikTok five and a half hours of every day. She's getting brain rotted by all the other victim people out there that are professionally, that are TikTok diagnosed victims for everything.

• 1:22:28Speaker 03

  My TikTok currently is Punch the Monkey and comedians. That's literally it.

• 1:22:30Caleb Hammer?

  Uh huh. Care Credit, what's going on?

• 1:22:33Speaker 03

  Um, I use that for like medical stuff. And so like my therapy's on it. My cat had to go to the vet. Um, my cat's vet plan is on there and like dental stuff.

• 1:22:44Caleb Hammer?

  Okay, why don't you have pet insurance?

• 1:22:46Speaker 03

  Um, well.

• 1:22:47Caleb Hammer?

  I'd rather do that. That'll save you way more in the long term if you have good pet insurance. Shitty pet insurance will fuck you.

• 1:22:52Speaker 03

  Well, I started this before. I didn't know pet insurance was a thing, so I, but my.

• 1:22:55Caleb Hammer?

  You don't know anything. You're not willing to look anything up. It's just so confusing.

• 1:22:59Speaker 03

  But my vet had this plan and so she gets to.

• 1:23:02Caleb Hammer?

  They wanted to make money. Okay, one thousand one hundred dollars on here. Minimum payment, thirty-six dollars, eight years to pay off, minimum only. Interest is accruing. And yep, there's your Banfield Pet Hospital plan. I would not do the Banfield Pet Hospital plan. I'd get pet insurance because that will actually cover in an emergency. You are literally. Ah, my goodness, you absolute creature. You had.

• 1:23:29Caleb Hammer?

  Dude, the deferred interest ends in only a few months. Then you're gonna be thirty-three percent. Interest is charging at the five hundred dollars of the balance. This is so stupid.

• 1:23:39Speaker 03

  I've never not.

• 1:23:39Caleb Hammer?

  This is, you're so.

• 1:23:40Speaker 03

  I've never.

• 1:23:41Caleb Hammer?

  You've never not until you do because you spend more money, your minimum payments are getting even higher, and you're gonna take a pay cut. No one ever does until they do. That's how it works. It's weird how that happens. Shut the fuck up.

• 1:23:49Speaker 03

  Well, I've always paid off the plans.

• 1:23:50Caleb Hammer?

  I don't really care. Everyone always does until they don't. You are headed down the wrong path. In fact, that you don't see that is the scariest thing in this entire conversation. No one on this show, no one on this show, has ever been through bankruptcy until they've been through bankruptcy. No one has ever missed a payment until they've missed a payment. Everyone has always made their payments until they don't. No one's ever been homeless until they are. Just because you haven't doesn't mean you won't. Just because you've never been in a car accident doesn't mean you won't. Just because you've never.

• 1:24:17Caleb Hammer?

  Anything, it doesn't matter. This is how it works. And your car's insane. What is this, this minimum monthly payment? You can't afford this, a $516.67? Where you're taking a pay cut with a rent you can't afford? What the is this car?

• 1:24:32Speaker 03

  Um, it's a Toyota Corolla Cross.

• 1:24:35Caleb Hammer?

  Why do you need such an expensive car right now? $24,993.20.

• 1:24:40Speaker 03

  Um, I got it in April and I didn't, I don't know. I don't know.

• 1:24:47Caleb Hammer?

  What do you think it's worth?

• 1:24:48Speaker 03

  Probably like 28, 27?

• 1:24:50Caleb Hammer?

  You think it's, you think you have, fuck.

• 1:24:53Speaker 03

  26, I don't know.

• 1:24:54Caleb Hammer?

  22.

• 1:24:55Speaker 03

  Oh.

• 1:24:55Caleb Hammer?

  Not that bad for a car, you're only down like 3,000 bucks. But even still.

• 1:25:00Speaker 03

  It's new.

• 1:25:01Caleb Hammer?

  Yes.

• 1:25:01Speaker 03

  It only had like five miles on it when I got it.

• 1:25:03Caleb Hammer?

  Yes, but the moment you drive it off the lot, you're.

• 1:25:05Speaker 03

  Yeah.

• 1:25:06Caleb Hammer?

  Then why'd you think it was worth more than you owe?

• 1:25:08Speaker 03

  Oh, I don't know. I, I don't even know how much I owe.

• 1:25:10Caleb Hammer?

  Cause you're literally, because you're broken. What's the interest rate on this?

• 1:25:14Speaker 03

  Uh, 5.1% or something like that.

• 1:25:16Caleb Hammer?

  It's not great, but it's minimum monthly payment worthy until it's paid off. But I just, this is too expensive of a car for you. What was your car situation?

• 1:25:22Speaker 03

  Um, I had like a, my car was like 10 or 11 years old and it was doing okay, but it was like, but no, it needed.

• 1:25:29Caleb Hammer?

  You didn't need it yet.

• 1:25:30Speaker 03

  Well, so two, there was two reasons why I got a new car.

• 1:25:33Caleb Hammer?

  Well, Lindsay told me you deserved it.

• 1:25:35Speaker 03

  I.

• 1:25:35Caleb Hammer?

  That you said.

• 1:25:36Speaker 03

  I felt like I worked hard and like I was saving.

• 1:25:39Caleb Hammer?

  That's not how that works. It's just the math is, the math is, the math is, the math, the numbers are the numbers. That reflects how hard you worked.

• 1:25:44Speaker 03

  Well, like I, I did a lot of research and I saved up like, I forget how much I saved for my down payment, but like I, so I was saving for a down payment on a new car.

• 1:25:54Caleb Hammer?

  Okay, that means we get a car we can't afford. Uh, what? Okay.

• 1:25:57Speaker 03

  But, well, I felt like I could afford it at the time.

• 1:25:58Caleb Hammer?

  Oh, she felt like it. That's good. And I'm glad it's about vibes and feelings.

• 1:26:02Speaker 03

  But my last.

• 1:26:03Caleb Hammer?

  You really are on TikTok all day.

• 1:26:04Speaker 03

  My last car was like about like, the mechanic said that they needed like eight, $900 worth of stuff and I already had like a.

• 1:26:13Caleb Hammer?

  Oh no, $900 versus $25,000.

• 1:26:16Speaker 03

  Well, no, and then it was, so I was putting more into the car than what it was worth. And then on top of that.

• 1:26:20Caleb Hammer?

  $25,000. And now you're underwater by 3,000 hours, which is less than you would have put in to a car than it was worth.

• 1:26:27Speaker 03

  But on top of that, I felt like everyone wasn't seeing me on the road. Like in the past, like two years or well, last year.

• 1:26:35Caleb Hammer?

  Wasn't seeing me on the road.

• 1:26:36Speaker 03

  Like my car was smaller.

• 1:26:37Caleb Hammer?

  You're okay. I don't give a what they think. I really don't. It doesn't matter. And also, good news, you're salient.

• 1:26:45Caleb Hammer?

  Easy. You're in a blessed position where you're only 3,000 under, actually 2,000 under. There was $700 there. So, okay, yeah, 2,000 under. So you sell it. Because you're gonna borrow 12,000 dollars.

• 1:26:58Caleb Hammer?

  10 of it for a new car. A 10,000 dollar car is gonna be fine. You can get one where you're up. It's gonna be a used car, a few years old. You're gonna get it independently reviewed by multiple mechanics, too, at least, before you purchase it. 10,000 hour car. It's gonna be a what? Like a 2016 car, 2017, 2018, maybe? At best. And that's fine. You're doing that for a few years while you clean up your debt situation and then immediately improves your debt by 10,000 hours.

• 1:27:23Speaker 03

  Is that like really the only option?

• 1:27:25Caleb Hammer?

  Yes, do it. Welcome to sacrifice. You're not willing to move? Sell your car. You're gonna take a pay cut? Sell your car.

• 1:27:33Speaker 03

  So if I move next year...

• 1:27:34Caleb Hammer?

  You don't sacrifice anything in your entire life.

• 1:27:35Speaker 03

  So if I move next year, then I can keep my car?

• 1:27:38Caleb Hammer?

  No. You can move, if you move next year, you can take the other job.

• 1:27:45Speaker 03

  So if I keep my job, I can keep my car?

• 1:27:46Caleb Hammer?

  You know, you can't do anything regardless. This doesn't fit in the budget and you'll see that. I mean, I assume. This is insane. Let's keep looking. You also have student loans, of course.

• 1:27:55Speaker 03

  Yes.

• 1:27:55Caleb Hammer?

  And these won't be paid off?

• 1:27:57Speaker 03

  What do you mean?

• 1:27:58Caleb Hammer?

  These will not be reimbursed.

• 1:28:01Speaker 03

  No, no, that's for my bachelor degree.

• 1:28:03Caleb Hammer?

  Right. So 17,164.55. So these deferred currently or do they not recognize your certification thing?

• 1:28:10Speaker 03

  Well, it last semester it was, but now they just took...

• 1:28:13Caleb Hammer?

  What's your minimum monthly payment?

• 1:28:14Speaker 03

  Uh, 139.

• 1:28:16Caleb Hammer?

  Okay, your interest is fine enough where I'm not freaking out about you paying it off early. So minimum payments until they're paying off, sitting between that 3 and 4%. Okay, checking account started with 133 dollars. That's unacceptable. That is scary. That is terrifying. That is with 1,190 left, that's okay. As long as you don't let it go below 1,000. You got an Apple bill? You're zailing out money. Starbucks, Starbucks, Amazon, TikTok promote. What the are you promoting?

• 1:28:41Speaker 03

  I forgot about that. I was just curious what would happen.

• 1:28:44Caleb Hammer?

  What would happen? On what? On what?

• 1:28:48Speaker 03

  On TikTok.

• 1:28:49Caleb Hammer?

  What do you mean? Curious what would happen about what?

• 1:28:51Speaker 03

  I was just curious like how much the promote actually helps.

• 1:28:54Caleb Hammer?

  Helps what? What are you trying to achieve?

• 1:28:57Speaker 03

  Like anything, like views or... I was just curious, so I did it.

• 1:29:01Caleb Hammer?

  Did you on what?

• 1:29:02Speaker 03

  My TikTok.

• 1:29:04Caleb Hammer?

  What is your TikTok?

• 1:29:05Speaker 03

  I don't know, just like random shit. I don't know how to answer that question.

• 1:29:09Caleb Hammer?

  You're the most broken person I've ever met in my life. You're paying to promote your TikTok about nothing? Amazon, Apple Bill, Amazon, go in and I get into bullshit. Kit and Knit, Kit and Knit Box, oh, maybe. I mean, it's probably a waste of money, just go to the store. Selling out money, Spotify.

• 1:29:27Caleb Hammer?

  Do you define, diff- diff-?

• 1:29:30Speaker 03

  Oh, I bought some workout clothes.

• 1:29:33Caleb Hammer?

  Didn't have any of those, I bet. Two times a week, three times a week, probably hitting them workout clothes. Fuck you. Apple Bill, vending machine. Going inside, getting some bullshit, so stupid. Savings went down from a thousand nine hundred fifty to a thousand one hundred. Yes, she thinks she's never gonna be behind anything or doing anything. Everything is going in the literal wrong direction.

• 1:29:52Speaker 03

  I have a bill thing, so I don't.

• 1:29:53Caleb Hammer?

  Goff, goff.

• 1:29:55Speaker 03

  Okay.

• 1:29:55Caleb Hammer?

  Went down.

• 1:29:56Speaker 03

  Well, I have a.

• 1:29:57Caleb Hammer?

  Shut up!

• 1:29:58Speaker 03

  That's for my bills.

• 1:29:58Caleb Hammer?

  Okay, fine, you're right. This savings account went from twenty five thousand to a hun- hundred seventy one. Goff, you're not gonna be able to survive. Everything's going in the wrong direction. Hey, this savings went from three hundred to five thirty. Like, it's not making or breaking your life in your retirement's at twenty two dollars?

• 1:30:16Speaker 03

  That, I honestly don't know what that is.

• 1:30:17Caleb Hammer?

  Twenty two dollars, and then this one's at a thousand one hundred twenty. So everything's dramatically behind. Please, maybe this one will have more. Okay, thank you. One good thing, and I feel like what's unfortunate. Uh, forty six thousand, and that's actually pretty good for your income level. Uh, and that, and I feel like because that's good, you feel like everything else is okay. Just because that number's good.

• 1:30:38Speaker 03

  Retirement? I actually didn't know what it was until I looked at the statement.

• 1:30:41Caleb Hammer?

  Oh, great, so she's.

• 1:30:42Speaker 03

  I just don't touch it.

• 1:30:43Caleb Hammer?

  I don't have a budget.

• 1:30:47Caleb Hammer?

  Yes, I do. I lied, I'm a liar. Don't listen to my lying ass. Okay, your income is for now, before pay cut, forty two hundred bucks.

• 1:31:00Caleb Hammer?

  What's your rent again? With fees and everything, yes, it's important.

• 1:31:04Speaker 03

  I think average is like 1850. Well, that's because like water is with it.

• 1:31:09Caleb Hammer?

  Okay. Well, it's all, and then your utilities?

• 1:31:13Speaker 03

  Um, average.

• 1:31:17Caleb Hammer?

  What was it, like 75?

• 1:31:18Speaker 03

  I would probably go, I feel like it's more like probably 100.

• 1:31:21Caleb Hammer?

  Okay, 100. Get your debt minimums.

• 1:31:26Caleb Hammer?

  So you will sell your car, correct?

• 1:31:29Caleb Hammer?

  Correct?

• 1:31:31Caleb Hammer?

  Correct?

• 1:31:31Speaker 03

  Can we see what the budget like says first? I really, really don't want to. Unless there's like-

• 1:31:36Caleb Hammer?

  Again, you equate wants with-

• 1:31:38Speaker 03

  Unless that's really like the only option that I have.

• 1:31:41Caleb Hammer?

  Yeah, it's, it would pay off your debt immensely quicker. Which I guess you don't care about. I thought the entire tent was to get debt free, so we can take the pay cut. Apparently not. You want, literally, you want everything with sacrificing nothing, to be very clear. Shut the [__] up, shut the [__] up.

• 1:31:57Caleb Hammer?

  $1,094.30.

• 1:32:01Caleb Hammer?

  Debt. Phone bill?

• 1:32:03Speaker 03

  Um, so I-

• 1:32:05Caleb Hammer?

  Phone bill.

• 1:32:06Speaker 03

  I meant to ask my mom. I pay my mom for my phone and my insurance, but I pay 106 to her every paycheck, but that's my phone and car insurance.

• 1:32:13Caleb Hammer?

  Okay, that's fine.

• 1:32:15Speaker 03

  So I don't know what each of them are.

• 1:32:15Caleb Hammer?

  It's fine!

• 1:32:17Speaker 03

  I meant to ask.

• 1:32:18Caleb Hammer?

  It's fine! 212, I'm crossing out car insurance. Vroom, vroom, drive, drive, gas.

• 1:32:22Speaker 03

  Um, I'd say probably about 80 dollars.

• 1:32:25Caleb Hammer?

  Okay, and listen, you can do helium if T-Mobile's good in that area, which I assume it is in central Florida, for your phone bill.

• 1:32:32Speaker 03

  I got a new phone.

• 1:32:33Caleb Hammer?

  15 bucks. Huh?

• 1:32:34Speaker 03

  I have a new phone.

• 1:32:34Caleb Hammer?

  I don't care.

• 1:32:35Speaker 03

  Well, it's not paid off.

• 1:32:36Caleb Hammer?

  Oh, once you pay it off.

• 1:32:40Caleb Hammer?

  Good. Groceries 300, use our budget meal plan. It's very good, it's detailed. It is a meal plan for every day of the month, including drinks, including snacks, including everything. Okay? And that's based on 300 bucks. TP fund, anything else you need to survive, makeup, tampons, all the good stuff, 100 bucks. Medical, healthcare, copays?

• 1:32:57Speaker 03

  Um, my therapy is 30 dollars. I go twice a month.

• 1:33:00Caleb Hammer?

  Okay, anything else?

• 1:33:02Speaker 03

  Um, no.

• 1:33:03Caleb Hammer?

  How much for, uh, fitness?

• 1:33:05Speaker 03

  Um, well, I was curious to, okay, no, because-

• 1:33:08Caleb Hammer?

  Just tell me, I encourage fitness. Just tell me, how much?

• 1:33:10Speaker 03

  I wanted to see how, my Pilates is like, I could buy the membership, but I was trying to see if I could afford the monthly-

• 1:33:16Caleb Hammer?

  How much?

• 1:33:17Speaker 03

  229.

• 1:33:18Caleb Hammer?

  Good jeez, man.

• 1:33:20Speaker 03

  But I can go less, so I just wanted to know what it was.

• 1:33:22Caleb Hammer?

  What, can you go less too?

• 1:33:23Speaker 03

  159.

• 1:33:24Caleb Hammer?

  159 then.

• 1:33:27Caleb Hammer?

  Dude, you can't answer questions to save your life. You need to tell a story for everything. I just want a number. Subscriptions, $300. Anything else that needs to be on? Pet insurance, 50 bucks. How much for pet food?

• 1:33:36Speaker 03

  Um, probably like $30 a month. I buy it in bulk, so.

• 1:33:41Caleb Hammer?

  Anything else besides a life story that needs to be in your budget?

• 1:33:44Speaker 03

  Um, not that I can think of off the top of my head.

• 1:33:50Caleb Hammer?

  You have an extra 140 left.

• 1:33:55Caleb Hammer?

  Uh, 135 left on a monthly basis. So yes, sell your car, get your debt. Your car payment to like 300, that gives you an extra. Now you're at 250 left and 10,000 less on debt. 10,000 less on debt. We're going to minus our student loans as well.

• 1:34:13Caleb Hammer?

  And keep the fitness. Keep the fitness. That's fine.

• 1:34:22Caleb Hammer?

  So 57,347 dollars and 39 cents of debt minus 10,000. The car sale minus the student loans of 17,164.55. This is before pay cut. You still got 30,182 dollars of bad debt to pay off with 350 dollars left on a monthly basis is 86 months, which is seven years. So that's no longer an option either. Okay. The reality is, is you just sell the car. Everything else besides this goes to debt and you're working overtime as much as possible at all times.

• 1:35:00Caleb Hammer?

  You bring in an extra 500 dollars a month minimum, which is low on your end and you can pay off your debt in a couple of years. And that's fine. Cause two years actually downgrade your living situation too. You accelerate it even quicker. Maybe a year and a half, you're debt, bad debt free besides your student loans.

• 1:35:18Caleb Hammer?

  You'll be fine. You just have to work overtime, bring in an extra 500 to 1,000 hours a month, which you can and you are, you have the ability to do so, which is nice in your blessed position. So take it, downgrade to your place, sell your car. That's what you do. You're debt free in about two years. You get an emergency fund and you keep going 50, 30, 20, live within your means. Damn, it's as easy as that, dude. It's as easy as that. We're gonna call the boyfriend in the post show, or the ex-boyfriend. Hopefully he picks up, but let's get the Hammer Financial Score first. Spending in a budget, overspend, zero out of 10, debt, no collections, that is good. You know, honestly, well, for your income situation, can't give you better than a three out of 10. Well, no, you're racking up the cards. Balance transfers, two out of 10. Emergency

• 1:36:00Caleb Hammer?

  fund, one out of 10 at best. Retirement, that was actually good and for your age is technically a 10 out of 10 with your income. Zero out of 10 for real estate. Hammer Financial Score, retirement saving your life.

• 1:36:18Caleb Hammer?

  Hammer Financial Score rounded up to a three out of 10. Get yours at CalebHammer.com, download Dollar Wise at DollarWise.com. Now join Hammer League, best membership on YouTube, three premium shows posted every single day, six days a week. The Financial Out of Post Show, an extra 20 minutes. We're gonna call the ex-boyfriend. See you there. Call him. And she blames 50% at least of her financial situation, of which is 57,000 hours of debt, on you. It was an influence. He was an influence.

• 1:36:42Speaker 04

  That's a rich girl from her. Jesus.

• 1:36:45Speaker 03

  I'd love him to say that now.

• 1:36:46Speaker 04

  Maybe she shouldn't be on a financial show. Maybe she should be on like an AA show. Has the drinking problem.

• 1:36:51Caleb Hammer?

  Oh my God.

• 1:36:54Caleb Hammer?

  This is the last week. Don't forget to download the new Dollar Wise Budgeting App. This is officially now the best budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial. Go to DollarWise.com or click the link below.

• 1:37:29Speaker 04

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