Pod Insights Financial Audit $369,000 Of LGBTQIA+ Debt | Financial Audit About this episode *JOIN FOR FREE* - I am personally paying for your Hammer *ELITE* subscription for the first month ➡️ https://bit.ly/chpostshow Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post-show, I go over his resume, and it's a complete mess... PLUS the extra gay one keeps trying to get in the way, and I LOSE MY SH*T!!!
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Transcript 19,756 words · 8 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 Five stocks to sell before the end of the week. You might be missing the opportunity if you're not repositioning right now. My guy says now is the time to go all in.
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0:29 Speaker 02 New and exclusive holiday decor just launched online at The Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe. Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want, online only, at homedepot.com.
0:59 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. Are you his little [BLEEP]? He just shooed that drink from you.
1:07 Speaker 04 Spend money now, call it good, and if you could pay it back, cool. If not, it's just money.
1:13 Caleb Hammer? That's his response, pretty much. See what I'm saying?
1:15 Speaker 04 [BLEEP] you. He's gonna get so [BLEEP] pissy at me all the time.
1:19 Caleb Hammer? But he's trying to get his [BLEEP] together.
1:21 Speaker 04 Yeah, and he's getting his [BLEEP] together enough.
1:22 Caleb Hammer? Yeah, but you're holding him back. Shut the [BLEEP].
1:24 Speaker 04 Oh, please.
1:25 Caleb Hammer? You're destroying your entire [BLEEP] life. You're gonna be dragged to the depths of poverty because of this.
1:29 Speaker 05 You came for the finances. What if you could have more? Join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. See description for more details.
1:45 Speaker 06 Hi, my name is Shaggy. I'm 30 years old. My name is Bastian. I'm 29 years old. We live in Colorado Springs, Colorado. And this is Financial Audit.
1:56 Caleb Hammer? The gays, we love the gays. Yes. Welcome, the gays. Thank you. I'm excited to have you. This has been a little infinity stone we've wanted to collect for a while. Cause we, the lesbians love financial audit. And we love the lesbians. Finally, the gays have come on. Yes. Where have the gays been? I don't know, it's taken so long. Seriously. You look like the guy in the wheelchair from Glee, by the way. Do I? He looks like the gay guy in the wheelchair in the gay Glee show. So I kinda thought that was you for a while. I love Glee though, it's so good. Yes, you're a gay, that makes sense. Um, let's play a game here. I instinctively, this is a finance show, wanted to think top, bottom.
2:38 Caleb Hammer? However, then you come in with all this femme stuff and, oh shit, that's like a mask. It's a pub hood, yeah. Oh, pub, it's not furry, it's pub. It's a pub hood. So if he's pub, I'm thinking he's bottom, you're top. Or we're just verse kings and we touch butts.
2:54 Caleb Hammer? Depends on the day. And this is a finance show reminder. Yeah. Did I guess right? No, you're wrong. No. Well, I gave pretty much every option, honestly. He gave all the options, so there's not really a way for him to be wrong. I mean.
3:08 Speaker 04 He's the top, I'm the bottom.
3:09 Caleb Hammer? Called it, second attempt, second attempt.
3:12 Speaker 04 Yeah.
3:13 Caleb Hammer? Yay. We love the gays. And the gays got money too. Now, honestly, my hypothesis for why the gays haven't come on the show very much is because usually lesbians, disaster, they have horrible finances, they move in immediately and they fuck everything up. The gays statistically, gay male couples usually do really well. You think the past secretary of transportation, Pete Buttigieg, he has a black child, that's exciting. And, you know, he's doing pretty well.
3:47 Speaker 04 We're bad about our finances, I think you're wrong about that.
3:50 Caleb Hammer? Gay men don't like to be called out. Normally, you guys are, in order to be on this show.
3:55 Speaker 04 Levitations if he ever wanted, you know, wanted Ruby Takeaways.
3:58 Caleb Hammer? And the pub cups, I'm sure, yeah. Ooh, pub cups. But I'm just on average.
4:04 Speaker 06 Yeah.
4:04 Caleb Hammer? The gay male couples tend to do pretty well. Have you guys, do you guys have a black child yet?
4:08 Speaker 06 No, no children here.
4:09 Speaker 04 No, I don't want to have any gremlins. I'm good.
4:13 Caleb Hammer? We don't call them that.
4:15 Speaker 04 But.
4:15 Caleb Hammer? It's a little racist.
4:16 Speaker 04 No, they're little gremlins.
4:18 Caleb Hammer? Excused to be homophobic, I believe, but on the racist level.
4:23 Speaker 06 I, I think he just means all children, not, not, not specific.
4:27 Speaker 04 There's some good.
4:28 Caleb Hammer? Specifically what?
4:29 Speaker 06 Nothing specific. No, no specific races being called gremlins. It's, it's just gremlins as far as all children.
4:35 Caleb Hammer? You got the femme accent even for a top. I love this. This is just so exciting. This is just so exciting. Uh, Shaggy, you're the one in front of me. I guess, okay. So you picked Shaggy, didn't you?
4:44 Speaker 04 Yes.
4:45 Caleb Hammer? That's your fake name.
4:45 Speaker 04 Yeah, yeah.
4:46 Caleb Hammer? Cause you're the little.
4:46 Speaker 04 Um, people told, told me I look like Shaggy from Scooby Doo.
4:51 Caleb Hammer? I hope that doesn't mean he has a Shaggy asshole for your sake, but what do you do for a living, Shaggy?
4:56 Speaker 04 I clean homes and businesses.
4:57 Caleb Hammer? You don't know what you got yourself into, do you? I've seen it on your face right now.
5:00 Speaker 04 I definitely know what I got myself into. It's just.
5:02 Caleb Hammer? I see the shock on his face that I am relentless so far.
5:07 Speaker 04 Oh, no.
5:08 Caleb Hammer? Too much?
5:08 Speaker 04 Oh, absolutely not.
5:09 Caleb Hammer? Oh, good, good, good. He just looks like that all the time. Okay. What do you do for a living?
5:13 Speaker 04 I clean homes and offices.
5:15 Caleb Hammer? Do you dress up as a sexy maid as you do it?
5:17 Speaker 04 Want to, but no.
5:19 Caleb Hammer? No one else wants you to is the thing.
5:21 Speaker 04 No.
5:22 Caleb Hammer? But you seem like someone that would.
5:24 Speaker 04 I would definitely do it if it's for the proper. No, I think I should. I can make probably more money doing that.
5:30 Caleb Hammer? That is non-consensual. What do you make? What do you make? Cleaning houses.
5:34 Speaker 04 So.
5:35 Caleb Hammer? You look like the dirty one. You look like the clean one. Yeah, you are the.
5:39 Speaker 04 Dirty one. I did like TLE for Walmart. I would come home soaked in oil.
5:44 Speaker 06 TLE.
5:44 Speaker 04 The tire lube express for Walmart is where I used to work. Um, so no, my job is just chill, simple, easy. I love it.
5:54 Caleb Hammer? Good. You're, well, you're cleaning.
5:55 Speaker 04 Yeah.
5:56 Caleb Hammer? Are you on a schedule or are you getting random bookings?
5:58 Speaker 04 Um, I have for the last like five years I've been doing this. I have very set. Yeah. Well, five to ten.
6:07 Caleb Hammer? Ten? So we're talking about Walmart from ten years ago? I guess I don't really care about that.
6:11 Speaker 04 Because I was doing both at the same time. So I was doing Walmart and then I would slowly eased into more cleaning and more clients. Uh, no, I technically got fired slash quit. So, uh, I-
6:24 Caleb Hammer? Wait, no, that literally makes no sense. Those are very conflicting. Or was it a quiet quit situation when you did enough to be fired, but you're trying to be quit?
6:32 Speaker 04 Um, so at a certain point, um, I got to a point to where I had a lot of clients. And it was hard to keep up with doing morning work and then doing clients at the same time. And I kind of realized that I just make more money. I make more money cleaning with clients and I work half the time. So like I could work four hours and make like a hundred fifty bucks. Or I could work eight to ten hours, twelve hours. I will do move out cleanings too. And I can make anywhere from three hundred fifty to fifteen hundred dollars for that. Um, but that's a lot of work and it's a lot on my body, but I enjoy doing it, even though it's a lot of work.
7:16 Caleb Hammer? Okay. Well, what do you make then? Because that's the important part here.
7:21 Speaker 04 Um, so I can make anywhere from like forty thousand to a hundred thousand.
7:27 Caleb Hammer? Okay. Yeah. But what do you make, dude?
7:29 Speaker 04 Uh, say about roughly fifty six thousand.
7:35 Speaker 06 What do you make per month is what he's trying to get at?
7:37 Caleb Hammer? Well, either way, but I just don't even fully believe that.
7:40 Speaker 04 Easy number, it varies four, four to eight, four and a low number.
7:46 Speaker 06 If I've been trying to get the same answer out of him for months.
7:50 Caleb Hammer? Really?
7:51 Speaker 04 I don't keep it.
7:52 Speaker 06 Because he's-
7:54 Caleb Hammer? He's trying to get an answer out of you. Why are you not giving him an answer?
7:57 Speaker 06 Because he can't, he's-
7:58 Speaker 04 I don't really know the answer as well. I just kind of just deal it per day.
8:02 Caleb Hammer? But if he wants to know the answer, why aren't you going in and trying to find the answer then? Okay. How long have you been trying to get the answer to this?
8:10 Speaker 06 It's, uh, probably, I mean, since he started the whole, uh, working for himself and doing the house cleaning. I've been trying to get an answer on how much he's making. He's been doing this for about two years now, uh, full time.
8:23 Caleb Hammer? For two years he's been trying to get, how much money are you bringing to the house and you're doing nothing? Why aren't you trying to communicate? Are you trying to communicate?
8:30 Speaker 04 I communicate well enough. The most I could do is I pay my bills on time and do everything else.
8:36 Speaker 06 I mean, I've gotten answers between a thousand dollars a week up to sixteen hundred dollars a week, and that's before he takes anything out for taxes. So when I did my somewhat budgeting that I was trying to do, um, it was, I was basing it off of sixteen hundred dollars a week coming in off of, from him.
8:54 Speaker 04 And that's on like a high number. The low number, I've seen the worst. It'd be like six to eight hundred for the lowest, and that's if clients would call off or I just have multiple days off.
9:07 Caleb Hammer? So what can I put down for his monthly income? Do you, do you guys have a combined household?
9:10 Speaker 06 We have a joint account, but not like completely.
9:14 Caleb Hammer? Does the pay go into the joint, or does he have to put it in?
9:18 Speaker 04 Whatever we have for bills goes in for bills. And we just call it at that. And then after that, we just spend our money how we feel like we can.
9:26 Caleb Hammer? So what goes into bills then? What goes into the bills account? From you?
9:29 Speaker 04 From me now, because I'm paying all the bills.
9:32 Caleb Hammer? Why, why, why is he paying all the bills?
9:34 Speaker 06 Uh, we sat down a month or two ago and I, cause I took a look at the amount of debt that I was accumu- had accumulated. And I said, hey, I need you to please try to pay as much of the bills as you can during the month, so that I can put all of my extra funds towards paying down these debts. Because that's the only way I'm really gonna be able to get out of them, is if I just focus as much income towards those debts going down as I can.
10:01 Caleb Hammer? Okay, well, okay, yeah, I mean, that sounds like you, sounds reasonable. So what the [__] is going on? Um. So what the [__] is going on?
10:10 Speaker 04 So I spent a lot of money two years ago and a year ago, finally getting out of that, and now...
10:18 Caleb Hammer? Getting out of that? Okay, how much did you spend last month?
10:20 Speaker 04 Last month? Uh, you have some numbers there. I don't really keep track of it.
10:24 Caleb Hammer? If we're finally getting out of that, I want proof that we're finally getting out of that. What was spent? What was the outflow? What was the inflow? What was the outflow total of accounts?
10:34 Speaker 04 Rough guess, 4,000?
10:36 Speaker 06 Like 11,000?
10:37 Caleb Hammer? It was 13,440 dollars. 13,440 dollars. 13,440 dollars. So, you've been getting, like, I'm happy. You sound like you're setting up like a reasonable talk. Great.
10:49 Speaker 04 Yeah.
10:50 Caleb Hammer? Okay, but that's not reasonable.
10:51 Speaker 04 It's a lot of money, but I mean, we're still managing with it, so.
10:55 Caleb Hammer? How is that possible? Income was 10, so you spent 2 more than you brought in. 3 more than you brought in.
11:01 Speaker 04 It's fine, whatever.
11:02 Caleb Hammer? How? No. Okay, well, okay, with that, then you're just gonna get dragged down. What the?
11:07 Speaker 04 Well.
11:08 Caleb Hammer? Is that his immediate deflection? Just bullshit?
11:10 Speaker 04 I mean.
11:11 Caleb Hammer? If that's how every conversation goes the moment he's like, "You know, I'm actually starting to dig out of what I put myself into 2 years ago", gets confronted with the reality that maybe not, and he's like, "Oh, it doesn't actually matter."
11:23 Speaker 06 It's, that's kind of where he's at with most of the debt and that type of situation is, "Okay, why worry about it? We're gonna be dead one day, so why aren't we just living life?"
11:33 Caleb Hammer? You will be dead one day. What about prepare for the statistical likelihood that you will be in your mid 60s, 70s, 80s potentially together?
11:41 Speaker 04 I don't, I mean, I love it for together, but I don't foresee myself living past a certain point.
11:47 Caleb Hammer? You watch Kill Tony?
11:50 Caleb Hammer? You know, Kill Tony?
11:51 Speaker 06 I've seen of Kill Tony, yes.
11:53 Caleb Hammer? Are you?
11:55 Speaker 04 I am special in a way, yes. Are you stupid or something?
11:59 Caleb Hammer? You remind me of his Golden Ticket winner, Martin Phillips.
12:02 Speaker 04 Yeah, okay.
12:04 Caleb Hammer? He's kind of always like, "I thought, he talks like this and he's..." But he looks like that.
12:10 Speaker 04 Thanks.
12:10 Caleb Hammer? You look like the gay beauty version.
12:11 Speaker 04 At least I'm really handsome, you know?
12:13 Caleb Hammer? "I don't care about my death."
12:16 Speaker 04 I don't know.
12:16 Caleb Hammer? That's how he sounds, but you just do the movements without the voice thing.
12:23 Speaker 04 No, I
12:24 Caleb Hammer? He's not
12:25 Speaker 04 I care about my dad a little bit, but
12:27 Speaker 06 He definitely has the intelligence behind him, but he is definitely special.
12:31 Speaker 04 Yeah, I'm special, but
12:32 Caleb Hammer? When we say special though, special covers wide, like
12:35 Speaker 06 He has not diagnosed
12:37 Speaker 04 I never diagnosed myself, I've been kinda curious about it.
12:40 Caleb Hammer? You've never diagnosed yourself, well that's good.
12:42 Speaker 04 I just kinda live on a day-to-day basis and enjoy myself.
12:45 Caleb Hammer? What are you living with? You're just talking, you're rambling, you're
12:50 Caleb Hammer? tism to the max, I would say, right? Maxism?
12:53 Speaker 06 I would not disagree with that.
12:54 Speaker 04 Typically, yeah.
12:55 Caleb Hammer? Make sure you wear a condom, you don't wanna get it.
12:58 Speaker 06 I don't think that's contagious.
13:00 Speaker 04 But I like it raw, though.
13:02 Caleb Hammer? Okay, well, listen, we're not getting individuals here. We'll make jokes, but we're not getting individuals.
13:12 Caleb Hammer? Yo. Okay, no, no, it's fine, we love the gays. We love the gays, that's, that's okay. Um, so, how can you manage this? How can you deal with this? If his immediately, for everything, one, he's not willing to work with you to figure out what he actually brings in financially. And two, whenever there's a financial conversation, he's like, oh, what does it matter?
13:34 Speaker 06 It's definitely been a struggle, I mean, I've been doing my best to take care of my things, and then kinda giving him the trust to take care of his things, so long as he's
13:43 Caleb Hammer? How is that trust not completely broken and fried and destroyed?
13:48 Speaker 04 I still communicate enough to where he knows what I make in a day and what I can put into the bank every week.
13:54 Caleb Hammer? Okay, if you know, if you know what he's making a day, can you not just do the math then?
13:57 Speaker 06 That's
13:58 Caleb Hammer? Dude, your eyebrows are triangles. I've never witnessed this before, they are triangles. You have triangles on your forehead, this is interesting. I got a collar here and triangles here, I am just, I meet such interesting, interesting creatures. Good, and I'm thrilled.
14:16 Speaker 04 I'm happy to entertain you.
14:17 Caleb Hammer? Trust me, I don't look great right now either, I had an accidental
14:21 Speaker 04 No, you look pretty.
14:23 Caleb Hammer? Accidental babyface. So, okay, you should know how much he makes.
14:26 Speaker 06 Um, he's not, that would not be accurate, he does not tell me what he makes daily. Yeah.
14:31 Speaker 04 Not, yes, no.
14:32 Caleb Hammer? So what the is happening?
14:33 Speaker 06 I will see
14:35 Caleb Hammer? Where is the disconnect here?
14:36 Speaker 06 I will see what goes into his bank, like, into the joint account, but that's about it, as far as like, seeing what he makes.
14:42 Caleb Hammer? But that's different than him knowing how much you make when you come back from work for a day.
14:47 Speaker 04 Yeah, well...
14:50 Speaker 04 I do my best. I put money in the account.
14:53 Caleb Hammer? Do you tell him or do you not?
14:55 Speaker 04 I tell him to a point if you ask about it.
14:58 Caleb Hammer? What's the point? What? He's required to ask you 365 days a year for you to be an adult and a caring partner? Are you guys married?
15:07 Speaker 04 No, not.
15:08 Caleb Hammer? Are we trying to get married?
15:09 Speaker 04 He wants to.
15:10 Caleb Hammer? How long have you guys been together?
15:11 Speaker 06 We've been together for 10 years.
15:14 Speaker 04 12 years.
15:15 Caleb Hammer? Two different numbers.
15:16 Speaker 06 It would have been.
15:17 Speaker 04 You told me 12.
15:18 Speaker 06 It would have been, it would have been 11 in October.
15:20 Speaker 04 Okay, close.
15:21 Caleb Hammer? Tinder, Grindr.
15:22 Speaker 04 Uh, no, not really.
15:24 Caleb Hammer? In person?
15:24 Speaker 04 Uh, yeah, high school. Um, our friends.
15:27 Caleb Hammer? High school sweethearts.
15:29 Speaker 06 Yes.
15:30 Caleb Hammer? Understallin' in the men's room.
15:31 Speaker 06 No.
15:32 Caleb Hammer? Perhaps.
15:32 Speaker 06 Nope.
15:33 Speaker 04 Nope, no.
15:33 Speaker 06 We didn't go to the same high school.
15:34 Speaker 04 No, yeah, we went to different high schools. So my best friend was dating.
15:38 Caleb Hammer? I don't care. So this makes me very confused. Your whole dynamic in terms of how the finances are confused. Everything he says makes himself look okay for a second. You're like, that's not even close to what happened. And then he's like, well, but I do to a certain extent.
15:57 Caleb Hammer? Do you not feel in some kind of way that Mr. Shaggy here is honestly just a straight up bad partner in this regard? This regard, I'm saying this, just this.
16:09 Speaker 06 Uh, not entirely. I mean.
16:12 Caleb Hammer? How can you say that? He, he is requiring you to ask him for how much he makes. For him to communicate that in any way whatsoever, and he will not, no matter how many times you have asked.
16:24 Speaker 04 No, I have. I give a rough estimate.
16:26 Caleb Hammer? And then he doesn't get a rough estimate though. You probably don't even know because you don't track your own. How?
16:30 Speaker 04 No, I track it.
16:32 Caleb Hammer? Can you give a rough estimate? It's real rough.
16:34 Speaker 04 Most rough is rough. Um, I mean, just, I just see what goes into my account.
16:42 Caleb Hammer? Rough.
16:44 Caleb Hammer? Oh, fuck's sake. I will burn that.
16:50 Caleb Hammer? You're into the pup play?
16:51 Speaker 06 He is into the pup play.
16:52 Speaker 04 I'm into the pup play, but I don't like.
16:54 Caleb Hammer? Is that not like in the world of bestiality?
16:57 Speaker 04 It, no, not really. Um, it's more of just being yourself.
17:07 Caleb Hammer? Well, it's literally dogs and
17:09 Speaker 06 Being yourself.
17:11 Caleb Hammer? And animals.
17:12 Speaker 04 Um, a lot of people like to get into the whole role of being a pup and being on the floor, rolling around, chasing a ball. I could really care less about that. I just enjoy being myself in my mask.
17:24 Speaker 06 So for him, it typically does not extend into the bedroom.
17:26 Speaker 04 I tried it and we've gone to like bars to wear this pup mosh and he made me crawl on the floor and do that kind of stuff. It just makes me really nervous and it's still just, it's an, it's an enjoyable experience, but it's not for me on that part.
17:43 Caleb Hammer? Okay. So how is he not a bad partner financially if all of what I just said is true?
17:48 Speaker 06 No, I mean, I can definitely see where you're coming from with that. I mean, but he's mostly been trying to keep up with what I ask. I mean, as long as he's been.
17:57 Caleb Hammer? But he requires you to ask daily or else he won't.
18:00 Speaker 02 New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe. Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want online only at homedepot.com.
18:30 Speaker 06 Correct.
18:30 Caleb Hammer? Why? Where's your brain? Do you, are you not able to manage anything?
18:34 Speaker 04 Um.
18:34 Caleb Hammer? In a responsible adult fashion?
18:36 Speaker 04 Yeah, I mean, I ma- I just manage on a day-to-day basis.
18:39 Caleb Hammer? Barely. You're not managing on that day-to-day basis.
18:43 Speaker 04 No, I can't say shit.
18:43 Caleb Hammer? Cause managing would be responsible in respecting what he's requesting. Unless you disagree with what he's requesting, do you?
18:50 Speaker 04 Not really.
18:51 Caleb Hammer? Then why the [bleep] won't you put in any kind of effort on a day-to-day basis? Cause if you're managing on a day-to-day basis, that part would be included on it. Oh, Shaggy doesn't want you guys to get married.
19:01 Speaker 04 No, I don't. I, I don't like a little piece of paper that kind of just screws you over at the very end of it.
19:06 Caleb Hammer? What's the screw over at the end? Because it actually benefits you, especially, uh, tax benefits and it benefits you upon death for protecting your partner many times.
19:14 Speaker 04 I mean, sure, like, but you can't.
19:17 Caleb Hammer? And under legal things, if someone was sued, you're not required to testify. There's benefits that come with the marriage.
19:24 Speaker 04 Okay.
19:24 Speaker 06 We've definitely been over this and you argue about it every time.
19:28 Speaker 04 Yeah, my argument is people screw you over when you get divorced.
19:32 Caleb Hammer? Okay, do a prenup, I guess.
19:34 Speaker 06 Yeah, that would be, it'd do a prenup. And I mean, you talk about these things like it'd be cost a bunch of money because divorce ultimately doesn't cost a lot of money if you have agreeable divorce. Because yes, you have to get a lawyer and all that kinds of stuff when you, you know, are being bad, but that's in the event of divorce.
19:50 Caleb Hammer? Divorce rate in the country.
19:51 Speaker 06 Yeah, like you think that we're gonna have a divorce and that's why you don't want to get married?
19:55 Caleb Hammer? If you don't figure out this finances, probably that's one of the leading causes of divorce in this country. I don't know for men specifically, but huh?
20:03 Speaker 04 A lot of people up on finances, but this is how you kind of live and learn.
20:07 Caleb Hammer? You did. You do. You are.
20:10 Speaker 04 Up is the saving right now. I can't save shit.
20:14 Caleb Hammer? You're saving. Look, dude, you literally 3,000 more win out of the household than came in. Saving, that's not even a part of the conversation.
20:21 Speaker 06 It would be both of us.
20:23 Speaker 04 Yeah, I mean.
20:24 Caleb Hammer? Well, he says it's on you.
20:25 Speaker 04 I don't, I don't have any courage or anything, so I can't put more out than I make or.
20:30 Caleb Hammer? Well, why do you think it's him? Why are you saying that? What are you thinking he's doing?
20:33 Speaker 04 Um, he's just spending his money what he wants to spend his money on, which.
20:38 Caleb Hammer? It's true, Bastian. Are we just blowing our money everywhere?
20:42 Speaker 04 That depression spending.
20:44 Caleb Hammer? Let him talk.
20:45 Speaker 06 He, he's not good at that. He likes to talk over me as much as he can.
20:48 Caleb Hammer? Shut the up. You need to wear like a gag.
20:52 Speaker 06 Muzzle.
20:52 Caleb Hammer? Along with all that shit.
20:54 Speaker 06 Um, but yeah, no, I've definitely spent my money on things that I wanted and then, I mean, there's been less of that lately.
21:02 Caleb Hammer? I'm going more that's an issue more than just a one time thing. Because again, 3,000 hours outflow more than inflow. What the? And you guys can't tell me where that possibly went, can you?
21:13 Speaker 04 I can't tell you where it went, no.
21:15 Caleb Hammer? Why?
21:16 Speaker 04 Why? Because we don't communicate enough properly to.
21:19 Caleb Hammer? You just said you did. You literally said you communicate.
21:22 Speaker 04 About my money, like.
21:24 Caleb Hammer? Okay, so why is your money not being communicated to him?
21:27 Speaker 04 I know how much.
21:28 Caleb Hammer? Ten to twelve years, understudy or not, why are we not communicating our finances as a household this far in? Cause you guys are practically like common law marriage.
21:37 Speaker 04 We are common law married.
21:38 Caleb Hammer? So there you go. Why aren't we in any way whatsoever communicating back and forth? Cause you're not either. You're pissed that he doesn't, but you don't to him?
21:46 Speaker 04 It's not that much of a worry until it gets to that point of.
21:50 Caleb Hammer? It is that point.
21:52 Speaker 04 Yeah, now.
21:52 Caleb Hammer? Guy.
21:53 Speaker 04 Yeah, now it's to that.
21:55 Caleb Hammer? Yeah, no shit. That's why I'm saying, why have we not communicated then? To you, to you. We already know you, but you to him.
22:00 Speaker 06 I, I, I was afraid of approaching what I were, the hole that I was digging myself into.
22:08 Caleb Hammer? And what? Why? What do you mean?
22:09 Speaker 06 I, I was having.
22:10 Caleb Hammer? No, no, to him, his knowledge. You approach this hole on a daily basis. You can approach that one as well. So why can't you communicate this?
22:17 Speaker 06 I, I just didn't want to really admit the, the hole I dug.
22:20 Caleb Hammer? What would happen if he did? What would he do?
22:22 Speaker 04 I would have helped him out and we would have figured our shit out, probably planned a little budget and not stick to it.
22:30 Caleb Hammer? You think that's what would have happened?
22:31 Speaker 04 We've done multiple budgets.
22:32 Speaker 06 Cause I mean, we've definitely tried to do budgets a couple few different times.
22:35 Speaker 04 Never really stuck to it.
22:36 Caleb Hammer? Well, no shit. Okay. Then why would you say that's the solution that would have happened then? If you guys never stick to a budget?
22:42 Speaker 04 Because we might take it seriously.
22:45 Caleb Hammer? What would change?
22:49 Speaker 06 I, being.
22:52 Speaker 04 Not having.
22:53 Speaker 06 On to that point of taking it seriously.
22:55 Speaker 04 Yeah, not, not having like, if you wanted depression spend, then we just.
23:00 Caleb Hammer? Depression.
23:02 Caleb Hammer? Everyone gets sad here and there.
23:03 Speaker 04 Too much.
23:04 Caleb Hammer? Everyone cop spends. You need coping mechanisms if you actually have a clinically diagnosed issue. That's something you have to work on with a therapist, but the.
23:12 Speaker 04 Therapy.
23:13 Caleb Hammer? No, you need it more than most. Look at you. You can't stop talking. You can't stop moving. You're full Warren Phillips around.
23:21 Speaker 04 Twitch, twitch.
23:24 Caleb Hammer? That's what I'm saying, big guy. Okay, so how does the communication work around when we have attempted these budgets? What does that look like?
23:31 Speaker 04 Um, we've kind of brought together the bills and the debts that we currently have. And then I'll take the income that I have and whatever I can get out of him for the month. Which is just.
23:42 Caleb Hammer? Whatever you can get out of him. So that's not even like, how can, we can't build off of that. That is already a foundation that's just like breaking. It's broken.
23:49 Speaker 04 Well.
23:50 Caleb Hammer? Before you put together.
23:51 Speaker 04 For me, it's like when we would do that budget, we would just go through my bank and go see how much money I put in for the month. And then that's kind of how we did it. And it's like, it's been working, kind of.
24:05 Speaker 06 I mean, the bills have been getting paid.
24:07 Speaker 04 Yeah, that's the most important.
24:09 Caleb Hammer? Usually when people say that, there are late fees, but we'll see.
24:11 Speaker 06 There's definitely gonna be late fees.
24:13 Speaker 04 I mean, even I have late fees.
24:15 Speaker 06 They're not being paid on time, but they were being paid.
24:17 Speaker 04 Me off.
24:19 Caleb Hammer? How do we communicate when we sit down and talk about this? Run me through it. How do these conversations normally go?
24:26 Speaker 04 Let's see, um.
24:29 Speaker 06 We kind of, I mean, we sit down and we go through the bank statements. We go try to consolidate which bills.
24:36 Caleb Hammer? Give me the conversation. What happens? How does this actually look? Cause it has not worked before.
24:41 Speaker 04 Well, it's usually of a, hey, I'm broke as shit. I overspend money.
24:47 Caleb Hammer? Who says this?
24:47 Speaker 04 I tend to be really broke at the end and.
24:51 Caleb Hammer? I would see both are, but okay. You walk up and you say, I'm broke as shit.
24:54 Speaker 04 Yeah, basically.
24:55 Caleb Hammer? And what are you, what's your response?
24:58 Speaker 06 Well, that's usually when we go into the like, what, what money do we need in which places for what things?
25:04 Caleb Hammer? Uh huh. And do we agree on all these items?
25:06 Speaker 04 Typically, yeah.
25:07 Speaker 06 Typically, yes.
25:08 Speaker 04 Okay, there, we do disagree on some stuff.
25:11 Caleb Hammer? What do we disagree on?
25:12 Speaker 04 It's the stupid shit that you bought recently.
25:15 Caleb Hammer? I don't know.
25:15 Speaker 04 Your stupid ass PS5 Pro. You have your Kyver briefcase and...
25:21 Caleb Hammer? He's a gamer.
25:22 Speaker 04 Spends too much money on bullshit.
25:24 Caleb Hammer? Agreed, probably.
25:26 Speaker 04 His Yu-Gi-Oh collection, Pokemon collection, holy...
25:30 Caleb Hammer? Stick to one, dude.
25:31 Speaker 04 No, he has too much. And it's fine, it's cool, you know, whatever. You got your fancy ass, cool, bougie shit that you may or may not use every once in a while, even though some of the stuff you've used or stopped using.
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27:27 Speaker 00 The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.
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27:44 Speaker 06 Yeah, I mean, we have the things and I have the things because of my hobby hopping and because of the, like, I very much fell into like, cope spending on nostalgia was what I was doing.
27:56 Caleb Hammer? Yeah, and I'm a hobby hopper too. I get excited about things real quick. You just have to, I'm talking.
28:03 Caleb Hammer? What are we doing? Do you just not hear people?
28:07 Speaker 06 He likes to hear himself talk.
28:08 Speaker 04 Yeah, I like to hear myself talk and it kind of in one ear, out the other.
28:11 Caleb Hammer? I'm the interrupter. Hear how I just said that? I interrupt you. That's what I'm allowed to do. So, okay, I lost my train of thought. Listen, I'm a hobby hopper. I get it. But if you're able to acknowledge it, of which you just did, you need to stop yourself in the moment and tell yourself and challenge those thoughts.
28:28 Speaker 06 Yes, and it's...
28:31 Caleb Hammer? Well, he disagrees with this. He says when you guys have these talks, you're going and blowing on PS5 bullshit, bullshit, Yu-Gi-Oh bullshit, bullshit.
28:38 Speaker 06 I mean that-
28:39 Caleb Hammer? Pokemon bullshit, bullshit.
28:40 Speaker 06 That was him getting into the moment. I mean, we're not having those types of talks in the moment when we're having talks about the finances.
28:46 Caleb Hammer? Well, shouldn't we? Because if that's where a lot of the money goes, if there's anything extra laying over, we need to decide where that money is going. But if it's all going to PS5, Yu-Gi-Oh's bullshit, bullshit, bullshit, there is no money to go anywhere.
28:58 Speaker 04 But, like, I'm not good about it, but he's good about it. He's got his stocks and savings and 401K that he's built up. I haven't done shit like that. I pulled all that out.
29:08 Caleb Hammer? You can be good in some and bad in everything, but make the overall situation still bad. It doesn't matter. I mean, I'll compliment that when we get to it. I don't know what it is. We'll see. But this is a lot of paperwork. I don't think you understand. This is not a normal amount of paperwork for the show. This is substantially beyond the median, beyond the average. Okay, so you guys agree on most in this conversation and disagree on some. How do we approach these disagree conversations then?
29:38 Speaker 04 Um.
29:41 Speaker 06 I mean, when we disagree, we generally try to find a common ground at the point.
29:47 Caleb Hammer? And how do we do this? Do we actually? Or are we both satisfied? Both this satisfied? Is there a winner? Is there a loser? How does this look?
29:54 Speaker 04 I feel like I typically tend to lose a little bit on it, but at the same time, it's also...
29:59 Caleb Hammer? In these conversations?
30:01 Speaker 06 Sometimes. I mean, I tend to be a little bit more overbearing in my arguments because I do get a lot louder when we argue together.
30:08 Caleb Hammer? Really? You seem very passive in this.
30:09 Speaker 04 He likes to make his points of that he's right.
30:13 Caleb Hammer? Show him who you are. What are you actually like? I mean, like, I want you to be you.
30:17 Speaker 06 I mean, a lot of it was just nerves and being, you know, here and getting to this point, so...
30:24 Caleb Hammer? That's okay.
30:25 Speaker 06 Just having, getting to that point, I'm starting to get more comfortable and I'm starting to be able to talk a bit more.
30:30 Caleb Hammer? It's okay. Don't you worry about it. I just want you to be you and I certainly want you to be comfortable.
30:35 Speaker 06 Yeah.
30:35 Caleb Hammer? But these conversations around finances, I usually start with this as the topic when it comes to couples. Because if I don't know how your conversation goes, how the can we walk away from here and be able to change anything? Because it's all about communication after here.
30:49 Speaker 06 Correct.
30:50 Caleb Hammer? Okay, so we disagree on some things. You make your point louder. You walk away as the loser. So if he is oftentimes walking away as the loser and we are not actually meeting a common ground, it's a more overbearing ground. Now I kind of understand maybe why potentially Mr. Autismo over here is not actually providing the change, providing the communication, because he always walks away feeling like defeated.
31:17 Speaker 06 Yeah.
31:17 Caleb Hammer? Like he is walking away as the insignificant one in the relationship in the decision-making. Is that fair? Is that a fair sentiment?
31:28 Speaker 06 But then also, he also just kind of put a better foot down and be able to actually speak for himself because he likes to get to that point of like when I do get very like passionate or loud or anything like that.
31:41 Caleb Hammer? Well, you have to be able to advocate for yourself.
31:43 Speaker 06 He just shuts down and then he like, he might leave the conversation feeling defeated, but it's not.
31:48 Caleb Hammer? Well, how hard are you put, how hard is he pushing at that point? What does it look like?
31:53 Speaker 04 It just kind of depends because sometimes he's fine about it and sometimes he just goes over the top.
31:58 Caleb Hammer? Yeah, where you lose though, where he goes over the top, what does that look like?
32:02 Speaker 04 Um, just kind of just hurts for a little bit and I get the over it.
32:07 Caleb Hammer? Why does it hurt? What happens in these conversations? Why does it hurt? What is over the top?
32:12 Speaker 04 It's just the emotion that goes into it when he's talking about finances. Um, can't give any examples at the second part.
32:24 Speaker 06 No, he's asking you to give an example of when you have felt hurt coming away from these types of things. I can't give you that example.
32:31 Speaker 04 Yeah, I know you can't. Hmm, see.
32:37 Speaker 04 Yeah, sorry. There's nothing I can give you about that right now.
32:39 Caleb Hammer? What? Then how can you say it's a thing that happens if you can't even think of one instance? It doesn't have to be detailed description of what's happened, but just an average like shot in the dark. Like just normal, like what it looks like.
32:50 Speaker 04 Like getting yelled at about.
32:52 Caleb Hammer? So he's yelling like this. He's yelling like that.
32:55 Speaker 04 At the end of the conversation because I tend to push it and I keep going and I don't stop.
33:01 Caleb Hammer? You're yelling.
33:02 Speaker 06 There's definitely gonna be a point when I get a lot louder because like as you already experienced.
33:06 Speaker 04 Yeah, exactly. I just egg him on about.
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33:38 Speaker 06 Interrupt whenever we're talking.
33:39 Caleb Hammer? So what is he saying?
33:40 Speaker 06 I have to get louder and louder and louder.
33:42 Speaker 04 He just gets louder and starts maybe cursing every once in a while. He's just like.
33:47 Caleb Hammer? And twink.
33:48 Speaker 04 Basically, yeah, just tries to get the point through. He goes like this where I just keep interrupting and shit.
33:54 Speaker 06 And the shit and all of that is when he starts getting his feelings hurt and that's when he starts shutting down and doing all of that type of thing. Which I mean is fair and I mean.
34:03 Caleb Hammer? It's not necessarily the most healthy way to do the conversation outside of the show. Of course, it's very healthy in here, of course, in every way whatsoever.
34:09 Speaker 04 It's so relieving.
34:11 Caleb Hammer? Yeah, and that's fair that he was shut down. That's a traditional natural response for most people. I think when getting yelled at and getting sweared at and saying racial slurs towards him and what else we're doing, you know?
34:25 Caleb Hammer? I think that is fair. Um, okay. Well, we'll probably loop back to that then. Uh, but let's jump into the finances. What do you guys think your household financial score is altogether combined?
34:35 Speaker 06 Two.
34:36 Speaker 04 Three.
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35:18 Caleb Hammer? send you a signed version of my budget friendly cookbook and mail it directly to you. Both of those links are in the description below. Check it out. Let's get into this money, cause.
35:32 Caleb Hammer? Again, this is not a normal amount.
35:35 Speaker 04 No.
35:35 Caleb Hammer? To consider you're getting on the right track.
35:39 Caleb Hammer? That's not possible. I just, based on everything I've seen, four times a week,
35:45 Caleb Hammer? three and a half years, not possible. So, grand vacations? What the is this?
35:52 Speaker 04 Yeah, that's me.
35:53 Caleb Hammer? Oh, grand vacations?
35:55 Speaker 04 Yeah, so I kinda got roped into that. Uh, we were at Pride and I-
36:01 Caleb Hammer? At Pride? Where is Pride?
36:02 Speaker 04 Denver Pride. It's uh, in, what is Civic Center?
36:06 Caleb Hammer? I was gonna say, is there just one Pride? I would-
36:07 Speaker 04 It's every year, every year.
36:09 Caleb Hammer? Yeah, but, but at Pride, like, okay, Denver Pride.
36:12 Speaker 04 Yeah, Denver Pride, yeah. So, we kinda got roped into it. I have issues saying no. Uh, not a time share, time share. Um, it's a fractional- fractional real estate. Ooh. So, they offered two nights of estate at their lodge. Right, yeah, that's how they rope you in, cool.
36:35 Caleb Hammer? And was it a gay lodge?
36:36 Speaker 04 No, it was actually the bougie lodge. We get the fancy bougie lodge, it's the top of the hill. Ooh, that I've literally only used like once.
36:45 Caleb Hammer? You clean houses? You're getting a fancy bougie lodge? Nothing against those who clean houses.
36:49 Speaker 04 It's only like $12,000, right?
36:50 Caleb Hammer? Then is it the fancy bougie lodge?
36:52 Speaker 04 And the, what they showed us is really nice, even though we haven't been in there, cuz I've been using-
36:58 Caleb Hammer? You haven't been once?
36:59 Speaker 04 I've been to the place-
37:01 Caleb Hammer? Wait, when did you get this?
37:02 Speaker 04 Last, like, year or two ago.
37:04 Caleb Hammer? What? And you haven't been once?
37:06 Speaker 04 Uh, we haven't been into that hotel. I've been using the points and stuff that we heard, go do other stuff.
37:13 Caleb Hammer? What the? How have you not visited it once? What do you-
37:16 Speaker 04 I went there to go snowboarding.
37:18 Caleb Hammer? Who got sold on this? Were you there?
37:21 Speaker 06 I was there.
37:22 Caleb Hammer? And?
37:22 Speaker 06 I let him, uh-
37:24 Caleb Hammer? Why? Why were you going along with this?
37:26 Speaker 04 He let me say yes on it.
37:27 Caleb Hammer? Huh?
37:27 Speaker 04 He let me say yes on it.
37:29 Caleb Hammer? Why?
37:29 Speaker 04 Cuz I can't say no, and we thought about-
37:33 Caleb Hammer? Who can't say no? You can't say no?
37:34 Speaker 04 Me, yeah. I mean, I feel like-
37:36 Caleb Hammer? Okay, so you walked him up to the Pride booth and the-
37:40 Speaker 04 I walked up to the Pride booth and he kinda, the dude over there roped me up into doing it. I'm like, "Okay, little mini vacation, let's go do it, guys." Gets us out of the house and gets us going.
37:50 Caleb Hammer? So you'll have a maintenance fee forever, most likely.
37:53 Speaker 04 Oh, correct.
37:55 Caleb Hammer? Correct?
37:55 Speaker 04 Correct.
37:56 Caleb Hammer? Correct?
37:56 Speaker 04 Bullshit.
37:57 Caleb Hammer? Correct. Okay. Plus, you owe on the actual share you've purchased.
38:01 Speaker 04 Yeah.
38:01 Caleb Hammer? Fourteen thousand, eight hundred, forty-one dollars, forty-nine cents currently, at a fifteen point nine percent interest rate of death, with a minimum monthly payment, two hundred, sixty-eight dollars, sixty-nine cents, hundred payments left.
38:15 Speaker 04 And we also put like, two or three thousand now?
38:19 Caleb Hammer? What was it? Plus an extra fifty to sixty dollars a month for the HOA fee.
38:23 Speaker 04 For an HOA fee that we don't pay outright, and we put it into a ten-month payment.
38:28 Caleb Hammer? Oh, for fuck's sake.
38:29 Speaker 04 Yeah, because it's like five, six hundred dollars. I don't want to pay it all at once.
38:33 Caleb Hammer? Why would you get into something that is so fucking hard to get out of?
38:37 Speaker 04 It's so fucking stupid. I hate it so much now. Like, it's cool to get to go on these lavish vacations for cheaper.
38:44 Caleb Hammer? Go on lavish vacations for cheaper, using travel advisors and bullshit.
38:49 Speaker 04 Eh.
38:49 Caleb Hammer? Cheaper? No cheaper. You're paying this forever. You got a fifteen point nine percent interest rate. You can't use the word cheaper. You don't know cheaper.
38:55 Speaker 04 For like, nine more years. We pay it off, and then we get a HOA fee for the rest of our life. Fuck the fuck ever.
39:00 Caleb Hammer? Exactly. Will you ever, uh, try to sell this? Have you tried to sell this?
39:04 Speaker 04 I've considered selling it, but I haven't looked into how to do it.
39:08 Caleb Hammer? Why? It's been over a year.
39:10 Speaker 04 Also, how they also roped this into it is that we, uh, barely, right? Um...
39:15 Caleb Hammer? Well, you're spending more than you make, so I would say yes.
39:18 Speaker 04 Yeah, sure, whatever.
39:19 Caleb Hammer? Yes! Yes!
39:22 Speaker 04 So, no, give me my cup.
39:24 Caleb Hammer? Fuck you. I purchased them. I mean, anyone.
39:26 Speaker 04 No, my cup be... Damn it. Um, so with this, cool, like, we were thinking about, like, our, our parents, that we could take them on vacations, or give it to our family once we pass, or, because you could pass this on for the rest of your life, to anyone else who wants to pay the HOA fee. Yeah, right? Yeah. Gee, yeah, so we really utilized it, and...
39:52 Caleb Hammer? You won't let me talk. I wanted to talk about how this is one of the better almond mom snacks that my HR person has bought, because that was more interesting.
40:04 Caleb Hammer? We're using that snoot.
40:05 Speaker 04 I sniff everything.
40:07 Speaker 07 People tend to call me and ask me, when's the right time to euthanize their pet?
40:11 Speaker 04 I just have to water fight drunk it. That good.
40:15 Caleb Hammer? This is kind of good. Why'd you lock down with this one? Such a curious creature.
40:20 Speaker 04 We did talk about it, actually, a long time ago. It was, um, very last minute into moment kind of thing, right? But.
40:28 Speaker 06 More or less, I mean.
40:30 Speaker 04 I guess I chose him, but he kind of chose me too.
40:32 Caleb Hammer? Well, you have to choose each other, because you'd probably clean up on Grindr. You're a twink who's a top.
40:38 Speaker 04 Ooh.
40:38 Caleb Hammer? A twonk, a twonk who's a top. Isn't that a winner? Isn't that a winner? Do we, do we like those?
40:43 Speaker 04 You, you did your whole Grindr phase and had fun with boys and stuff too.
40:48 Speaker 06 Yes, we did.
40:49 Caleb Hammer? Boys?
40:49 Speaker 04 Mm-hmm.
40:49 Caleb Hammer? Hold on.
40:50 Speaker 06 Not boys.
40:51 Speaker 04 Men. You know, of age, duh. I'm like, that's fucked up, what the?
40:55 Caleb Hammer? No, you said boys.
40:56 Speaker 04 Well, I mean, that's kind of how everyone gays are kind of referred to, you know? Boys, woof. Um, so.
41:05 Caleb Hammer? I don't know, I, I personally.
41:07 Speaker 04 He had his little moment of having fun with other people while we're still dating and stuff. Um, tried to include me on that, but I was also kind of really always shy about it.
41:17 Caleb Hammer? So why'd you select this creature? Just look at this. Not, not looks, but how you're acting. Like, my goodness, I asked you a question and then he just rambled for 45 seconds. What the are you doing here, dude? You could be cleaning up. And I'm saying this because I thought I was by at the end of high school and early college. And then I decided, wait.
41:35 Speaker 04 You never laid one to me?
41:36 Caleb Hammer? Titties. Oh, pussy shit. That stuff is great.
41:40 Speaker 04 No.
41:41 Caleb Hammer? Men?
41:42 Speaker 04 I, I can't do that black hole, no, I'm good.
41:44 Caleb Hammer? I was talking about myself, thank you. I, I don't know why we're talking about you right now. But, uh, then I decided that men weren't attractive in my early twenties, I learned.
41:53 Speaker 04 I'm so sorry.
41:54 Caleb Hammer? Okay, it's okay, I just noticed how you keep talking about yourself. So why are you with this?
41:58 Speaker 06 Um, because at the end of the day, he is very caring, very, um, sweet when we're at home. And he does.
42:05 Caleb Hammer? So when he's in his crate?
42:07 Speaker 04 Hey, where should I be?
42:08 Speaker 06 The house.
42:09 Speaker 04 Woof.
42:09 Speaker 06 Um.
42:10 Speaker 04 The house. Yeah, I'm a stay-at-home body, I don't really like to go out.
42:14 Caleb Hammer? They don't bother them, they call them.
42:16 Speaker 06 Yeah, so I mean, ultimately, it is that he is a good emotional partner. And he does take care of the emotional needs that I have very well.
42:25 Speaker 04 Yeah, I tend to.
42:26 Caleb Hammer? He's destroying your entire life signing up for time shares. What are you talking about? You're gonna be dragged to the depths of poverty because of this beast.
42:35 Speaker 04 It's only a few more years.
42:36 Caleb Hammer? No. What? No.
42:39 Speaker 04 It's only a few more years.
42:40 Caleb Hammer? HOA forever. Shut the fuck up. You signed a permanent contract. The HOA? No, they'll send you to collections. They'll fuck you. They'll destroy you.
42:47 Speaker 04 You can get a nicer house after. You get a paid out off. Get a bigger place.
42:51 Speaker 06 Huh? He's still sold on it.
42:52 Caleb Hammer? I know. I'm seeing that. How? Exactly. Which is why I'm like, why are you with him? You can love someone, but even that person you love might be completely endlessly tearing you down and it might not be best for you to be with him.
43:04 Speaker 04 And agree to disagree.
43:09 Speaker 04 Well, we all make, we all make bad finances.
43:12 Caleb Hammer? We've, we all make bad finances? One, that's not even a sentence. Two, no.
43:17 Speaker 06 It's not a sentence. No.
43:19 Caleb Hammer? One, and then three, you're 30. You're not 22. What do these bad financial decisions or bad finances that you're making, as you say, at 22 would be understandable, not excusable, but understandable.
43:34 Caleb Hammer? You're not. You're a grown ass adult.
43:39 Speaker 04 Please. I'm only 30. Grown. Give her another 10 years and then I could finally maybe get my shit together.
43:46 Speaker 06 You're, why am I gonna want to take 10 years? It shouldn't take 10 years to get your shit together.
43:54 Speaker 04 Back to differ.
43:55 Caleb Hammer? He balding.
43:55 Speaker 04 No, it's like gray hairs. Um.
43:58 Caleb Hammer? That's not what I was asking.
43:59 Speaker 04 No, the balding.
44:00 Caleb Hammer? That hairline. Let's see.
44:01 Speaker 04 Yeah. The balding runs in like my dad's side of the family.
44:05 Caleb Hammer? That makes it look like he's balding. He can do so much better. You got the gay wheelchair glee haircut. That's great.
44:14 Speaker 06 He just doesn't do anything specific with his hair. He just kind of lets it lay.
44:17 Speaker 04 Nah, I did lie to be.
44:18 Caleb Hammer? It's not a good thing. Not that I have the best in the world. I need a haircut and everything, but even the, okay, so.
44:25 Caleb Hammer? Yeah, this is, this is shit. You're in this forever and the, you allow that. You're too passive. You're too passive and then you blow up.
44:35 Caleb Hammer? Allowing this to happen is disgusting. You did not advocate for yourself or your household. And then, and then you just let it bottle it up and then you blow up in an unhealthy way. That is an ineffective communication style, which means you, neither of you are able to get to any kind of point of making changes in this household and communicating effectively and putting it in an actionable plan. Cause when you do make a budget, the couple of times that you guys have, there's disagreements and someone walks away as a loser. And you know, there's yelling involved. And so why would both equally follow that budget? They wouldn't. You wouldn't.
45:09 Speaker 04 No, and that's where we fall short.
45:12 Caleb Hammer? But you need before making a big choice to allow him to advocate for himself as well. Make, you know, we gotta make sure. Sometimes even before I do small things, I really check in with my girlfriend to like, make sure, you know, like, I sure, I sure. Cause you know, I kinda know her. And you would, you probably know he wasn't for that, right?
45:32 Speaker 04 No, not at first, but even he talked himself into it too. We both kinda talked themselves into it. Like I was kinda like excited for it, but also didn't want it. And then he was talking about how, oh no, this would be really great for doing this too. So we kinda just both screwed ourselves on it. We both didn't want it when we walked in there. We both said, no, we don't really want it. But I kinda was curious about it.
45:56 Caleb Hammer? I think he wants to say something. You're a good listener. I can't believe you allow him to ramble as much as he does.
46:01 Speaker 06 I've kind of really had to learn to let people ramble.
46:04 Caleb Hammer? You should.
46:04 Speaker 06 Um, I mean, both him and previous partners just kinda do that ramble, ramble, ramble, ramble, ramble thing. So it's, it's definitely just, okay, fine. Let's do it so that you shut the up. That, that, that happens quite frequently.
46:20 Caleb Hammer? This, this permanent life altering decision is, oh, just do it so you can shut the up. Really?
46:27 Speaker 04 You live and learn.
46:29 Caleb Hammer? Die. And so you, he says that and you hear that and you think that's him supporting this decision.
46:36 Speaker 04 Yeah. And probably unconventional supporting in a way.
46:41 Caleb Hammer? Absolute, what is, I don't even know, man, with you. Okay. Best buy.
46:48 Caleb Hammer? Was that your stomach?
46:50 Speaker 06 No.
46:50 Speaker 04 That was like the same.
46:51 Speaker 06 That was the chair.
46:52 Caleb Hammer? Someone took a big poop earlier. Who was that? Which one was that? Was that you?
46:56 Speaker 04 Yes, if you, if you would like to know, yes, I did do that bowel movement in the bathroom. Why I did it like?
47:01 Caleb Hammer? It's not good for later.
47:02 Speaker 04 Not good, you know?
47:02 Caleb Hammer? Not good for later. I hope you brought a mobile douche.
47:06 Speaker 04 No, yeah. We already did it in the, we did it before we came here in the, in the hotel room, so.
47:13 Caleb Hammer? Pre-poop?
47:14 Speaker 04 No, the sex.
47:16 Caleb Hammer? Pre-poop?
47:17 Speaker 04 You have to clean yourself out or be prepared or it's gonna be a little gross. You just kinda get over it.
47:23 Caleb Hammer? He had to poop and you stuck it in?
47:24 Speaker 06 That was not this morning.
47:25 Speaker 04 What? No, no.
47:29 Caleb Hammer? Best Buy?
47:30 Speaker 04 I guess it was.
47:34 Caleb Hammer? Best Buy. What's going on?
47:36 Speaker 06 It's a card that I was, you know, spending at Best Buy.
47:39 Caleb Hammer? Uh oh, Shaggy is not thrilled about these.
47:42 Speaker 04 He likes to buy me stuff and we'll go and buy stuff on there when we want stuff.
47:47 Caleb Hammer? Why are you staring at him like you're about to literally shank him?
47:50 Speaker 04 Because I know he probably spent way more than he needed to and what, like, um, Christmas and stuff like that.
47:57 Caleb Hammer? So is this Sebastian fault card?
48:01 Speaker 06 Yes, that is my card.
48:02 Caleb Hammer? Full fault, so everything on here is all you?
48:04 Speaker 06 Yes.
48:05 Speaker 04 Yeah, all of my faults are on my NDR.
48:08 Caleb Hammer? 13 years to pay this off, by the way. Doing minimums without purchases.
48:13 Speaker 04 Good thing he's not doing minimums, cuz I'm paying all the bills rather than the car.
48:18 Caleb Hammer? Huh?
48:18 Speaker 04 I said, good thing I'm paying all the bills.
48:21 Caleb Hammer? Is this, oh, I didn't get your job. What is your job?
48:23 Speaker 06 Uh, I'm a lead auditor for gas station company.
48:29 Caleb Hammer? What do you make?
48:29 Speaker 06 I make 25 and some change per hour.
48:33 Caleb Hammer? Cool. What hits your account per month?
48:36 Speaker 06 It varies between four and six depending upon how much I drive.
48:43 Speaker 06 Because I get paid mileage and drive time.
48:45 Caleb Hammer? So 5,250?
48:46 Speaker 06 Let's do that.
48:47 Caleb Hammer? Okay, and what can I say Shaggy brings in?
48:50 Speaker 06 Um, I would say probably about equal.
48:53 Speaker 04 Lately it's been four. Yeah, lately it's been four and maybe a little bit higher.
48:56 Caleb Hammer? What were you going to say?
48:58 Speaker 04 Where I get more.
48:58 Speaker 06 I'd say he's either about equal to what I'd make or a little bit less. So I've been equating it to around 4,600 a month.
49:06 Speaker 04 Seems about fair.
49:07 Caleb Hammer? Okay, 46. We'll call it 46. My goodness. I mean, you guys do well as a household. Now, Colorado Springs specifically, I don't know, but Colorado is one of the higher cost of living states.
49:15 Speaker 04 Yeah, it's not cheap.
49:16 Caleb Hammer? But you guys do well. You're over the median household income. This is net. This is net, right?
49:21 Speaker 06 Yes.
49:22 Caleb Hammer? This is what hits the account.
49:23 Speaker 04 Yeah, this is before I put any money away.
49:25 Caleb Hammer? What the are we doing? Like, that's, well, it's like 120,000 hours a year. It is nine, net. It is $9,850 a month, net.
49:35 Speaker 04 Where's our money going? Damn.
49:36 Caleb Hammer? Huh?
49:36 Speaker 04 We have too many bills.
49:38 Caleb Hammer? Yeah, because of every choice you make and unorganized inability to communicate as well.
49:44 Speaker 04 Our so fun choices. Gee, love it.
49:48 Caleb Hammer? Yes. Interest is accruing. I, oh. Wait. Promotional balances have to be paid within a week! Within a week or deferred interest is gonna be hit. Did you know this?
50:00 Speaker 06 Yes.
50:00 Caleb Hammer? Did he know this?
50:01 Speaker 04 I did not know.
50:02 Caleb Hammer? And, what do you think?
50:08 Caleb Hammer? Or $800 of interest will hit and $800 will be added to the balance of this card if it is not paid off. And good the fuck luck, we spend more than we make, so how's that possible? Good the fuck luck! What is your opinion? $800 being added to this card in deferred interest in about a week.
50:23 Speaker 04 In about a week? Holy. Well, I mean, I don't know about all that bullshit. I'm just hoping that since I'm paying as much bills as I can, he could get his shit together and.
50:33 Caleb Hammer? Only a little more than the minimum is put on this, so there is no getting shit nor together.
50:37 Speaker 06 That is the next card on my check, on my snowball.
50:40 Caleb Hammer? Certainly the hope so. I don't, yeah, but that is on, basically not mathematically possible in the way you guys live and the way you spend. There's thousands on bullshit. I mean, I've already seen going into this on your spreadsheet.
50:51 Speaker 04 Sure.
50:51 Caleb Hammer? So the reality is, I'm talking, thank you. The reality is, I do not know how this will be able to be paid off. Mathematically.
51:00 Speaker 04 Well, from your lovely little advice that you've given, like you just pay the lease amount and then pay it off and put that money onto the next card and then keep going.
51:10 Caleb Hammer? Sure, that's snowball, but, uh, or avalanche, I guess, depending, whatever way you're going. But I put this before either than because this is deferred interest. So $800 is about to hit. That is $800 you can save by literally focusing everything into this. And in those debt repayment strategies, none of it says spend through thousands, thousands. I bullshit you cannot afford it on a monthly basis, of which you do, of which you do. So I don't want to here a strategy. You have no strategy. This is a strategy. No strategy has been given strategy. Fuck you, strategy.
51:39 Speaker 04 Strategy, my strategy is just putting money in. If I have money, cool, call it good. That's my strategy.
51:47 Speaker 05 You came for the finances, but what if you could have more?
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54:15 Speaker 06 It was the gaming device that I got him for Christmas.
54:20 Speaker 04 Legion, uh, Legion Pro Gaming Handheld Device. Kind of pretty cool. It's like a mini, it's just basically a mini handheld gaming computer. Love it. It actually works really well, runs well, and...
54:33 Caleb Hammer? I've never heard of this, okay. What did that cost?
54:36 Speaker 06 It was 900?
54:38 Speaker 04 Yeah, he bought me the fancier 1TB, 2TB, 1TB, what are the extra storages?
54:44 Caleb Hammer? And the other one?
54:45 Speaker 04 It's for me being a good boy.
54:46 Caleb Hammer? Hey!
54:47 Speaker 04 It's for me being a good boy.
54:48 Caleb Hammer? Die, die, die. I've never been for animal abuse, but tunes are changing.
54:56 Caleb Hammer? There's no one like Michael Vick. You can abuse me anytime.
55:01 Caleb Hammer? Why? You're pretty, okay? I'm pretty? Yes, you're welcome. It's not even- It's a compliment. Am I pretty? See? Subjective. See?
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55:41 Caleb Hammer? See, he's not into the thicks. It's usually the bottoms that are into the thicks, though. If any guy ever hits on me, it's always, it's always, it's always, it's always the bottoms of men. I'm sure everyone else on your show that have come by probably thought you were, you could have probably- No, I get hit on actually quite frequently and by guests. That is actually an incredibly common occurrence. By straight men too, right? Hmm... I think we've had one straight man that wanted me to suck his dick, probably, right? Oh, there's definitely been a couple. There's been a couple.
56:12 Speaker 06 They have those eyeballs.
56:17 Caleb Hammer? See, he's handsome. Yeah. Well, okay. Yeah, sure, sure, sure. Everyone has their own types. But, um, okay. Quicksilver, what's going on here?
56:30 Speaker 06 That was my first credit card.
56:33 Caleb Hammer? Oh, yeah, the Chase- So this is yours again. So the big balances on cards are so far you.
56:39 Speaker 06 Yeah, a majority of the like actual like card balances will be mine because all of his cards got like lumped into an NDR agreement and he's been forced not to have any credit cards to be able to keep that one.
56:51 Caleb Hammer? I'll let you use the FIS card, debit card that builds credit. I literally use my credit card to- Oh, I'm trying to do a plug-in and talks. My goodness, what are we even doing? You have a plug-in right now? No.
57:02 Speaker 04 I've asked him.
57:06 Caleb Hammer? Huh?
57:06 Speaker 04 I asked him.
57:07 Caleb Hammer? Asked who? Well, you had to take a massive shit before you walked into this room.
57:12 Speaker 04 Yeah, right.
57:13 Caleb Hammer? You blew up that bathroom before I had to go pee. It was wonderful.
57:16 Speaker 04 Hmm, sorry.
57:18 Caleb Hammer? Bottoms always have the stinkiest poop.
57:19 Speaker 04 It's the, it's the high protein fiber diet.
57:22 Caleb Hammer? $5,479.51 is owed on here with $167 minimum payment. Now, why in this conversation, you make more money and it's weird, uh, okay, fine, and we're not combining fully. He always, Shaggy always says he has to take care of your minimum payments. Why is that what's happening?
57:38 Speaker 06 It's, he's not taking care of my monthly payments. He's taking care of the household bills.
57:43 Speaker 04 Yeah, so all this bullshit, um, car insurance,
57:50 Speaker 04 um, car insurance, lights, utilities, um, and my stupid Vivint and this Breckenridge bullshit is what I'm taking care of. So it's roughly, I basically gotta put 850 a week, I think, yeah, 850 a week roughly into the bank to cover bills and that's just what I do.
58:10 Caleb Hammer? Okay, $167 minimum payment. How long do you guys think this takes to pay off if you do minimum payments only?
58:15 Speaker 04 Minimum?
58:17 Caleb Hammer? Oh, you insufferable.
58:22 Caleb Hammer? Which is what you only do is minimums, and if you don't purchase, which I'm sure you will.
58:28 Speaker 06 It's 23 years.
58:29 Speaker 04 25, 30 years.
58:30 Caleb Hammer? 21.
58:33 Caleb Hammer? You'll be old gays.
58:35 Speaker 04 Ripe, ripe gays.
58:41 Caleb Hammer? Uh huh.
58:43 Caleb Hammer? Okay, yeah, literally, $1,200 in interest this year so far.
58:46 Speaker 04 That's not bad.
58:47 Caleb Hammer? What the, what is wrong with you? What are you talking about?
58:49 Speaker 06 That is bad.
58:49 Caleb Hammer? How, how do I deal with that? How do you deal with that?
58:51 Speaker 04 What the worst?
58:52 Caleb Hammer? That mentality, how can you deal with that? No, what are you going to do to deal with that?
58:59 Speaker 06 Good question. I mean, it's been-
59:00 Caleb Hammer? 21 years later, when this is paid off and he still has the mentality that all the interest you have accrued on this doesn't matter.
59:07 Speaker 04 That's a lot of money.
59:08 Caleb Hammer? You'll still be together with that mindset?
59:09 Speaker 04 We could have done something else with it.
59:10 Caleb Hammer? Huh?
59:11 Speaker 04 We could have put that money into something else, you know?
59:13 Caleb Hammer? Uh huh.
59:14 Speaker 04 Going on vacations.
59:16 Caleb Hammer? Yeah.
59:17 Speaker 04 Not for the savings.
59:18 Caleb Hammer? So why the f**k are you okay with it then?
59:21 Caleb Hammer? You're the one who said that.
59:22 Speaker 04 Cause it's money that you're just spending to have fun now and give for later. Spend money now, call it good, and if you could pay it back, cool. If not, I can pay it back when taxes heal.
59:40 Speaker 04 It's just money. We live, we die, occur it, die when you're ready, call it good.
59:47 Caleb Hammer? Thoughts?
59:48 Speaker 06 I mean-
59:48 Caleb Hammer? This is your partner here.
59:49 Speaker 06 That's kind of been his mentality on it the whole time.
59:52 Caleb Hammer? You're okay with it. You accept it.
59:53 Speaker 06 I don't necessarily accept it. I just-
59:55 Caleb Hammer? Really?
59:55 Speaker 06 It's, I've become indifferent towards it because there's not been much point in arguing it because that's kind of-
1:00:01 Caleb Hammer? Then why accept it for the rest of your life? I'm not saying I want you guys to break up in general. I'm not advocating for that. But why should someone, even if you love them, tie themselves to a sinking ship? Why? Why? Why? Why? Why? Why? To dead weight. Why? It holds back your entire future. You're still in that zone. I mean, listen, the moment like a gay hits 30, they're done. They're done.
1:00:29 Speaker 04 They're just not gay. Gay death, that's funny. No, they're still-
1:00:33 Caleb Hammer? No, it's true. People will not go for you once you are 30 and gay. You're 29 and gay.
1:00:37 Speaker 04 I mean-
1:00:38 Caleb Hammer? The chance, the time is now.
1:00:39 Speaker 04 If you look at Grindr, a lot of people still want to get f**ked and pounded when they're 30 plus, so I, I beg to differ.
1:00:44 Caleb Hammer? They want to. Doesn't mean they're getting it. That's where they show up to the woods at dark, in a park.
1:00:54 Speaker 04 The f**k.
1:00:54 Caleb Hammer? And they cruise.
1:00:55 Speaker 04 What the f**k?
1:00:56 Caleb Hammer? What? What, are you telling me he doesn't know what cruising is?
1:01:00 Speaker 06 He does.
1:01:01 Speaker 04 It's terrible.
1:01:02 Caleb Hammer? That's what the desperate old gays have to do. And I don't want you to become that.
1:01:07 Speaker 06 No.
1:01:07 Caleb Hammer? When you wake up in 10 years and you're like, oh, I'm wasting my life away with someone who's just destroying it, even though I love him, even though I love him.
1:01:17 Speaker 06 No.
1:01:19 Caleb Hammer? That's his response.
1:01:20 Speaker 06 Pretty much.
1:01:21 Caleb Hammer? You see what I'm saying?
1:01:22 Speaker 06 Yes.
1:01:22 Caleb Hammer? It might be best for your future too, to not have someone that comes and saves you every day. Hmm. So you actually have to wake the fuck up and grow up. Yeah, it's about time soon. No, time has already passed, but you need to do it today. And if you don't, I hope he leaves you for the sake of him. Because he deserves to live a good life. So do you. But you don't get to hold him back. It's not fair. Good life at all those bills though. Huh? Like, good luck with that. He can go through bankruptcy, there's tools he can use. Ah. I'm not saying I necessarily want him to, but for his entire future, he can go through seven years of annoyance on a credit to save him for the next five decades. But five decades of not having me around? Credit one.
1:02:07 Caleb Hammer? What's going on?
1:02:08 Speaker 06 Um, it was a card that I got back a few years ago when I was kinda just looking for more credit cards and
1:02:15 Caleb Hammer? You're looking for more credit cards. Credit one is the worst of the worst of the worst of the worst. When you have this, it means you are the worst.
1:02:21 Speaker 06 Yeah, I was unaware of that fact until I found your show and really realized how like screwed it was because I was very bad about looking at the statements from it. And so I wasn't noticing the extra fees and the extra bullshit from it.
1:02:35 Caleb Hammer? Uh huh.
1:02:35 Speaker 06 Because they're the ones who tack on an extra forty, fifty dollars.
1:02:39 Caleb Hammer? What is this, purchase five hundred dollars something fitness?
1:02:42 Speaker 06 It's a trainer.
1:02:44 Caleb Hammer? Oh, it's a personal trainer. Oh, a month?
1:02:48 Speaker 06 Yeah.
1:02:48 Caleb Hammer? Listen, I want you to have a personal trainer, I want you to do activity. We might not be going full booze right now. That's too much for that, for a personal, I would never pay a personal trainer like that.
1:02:57 Speaker 06 After, I mean, after I got through the introductory run, it goes down for a while on price, so it goes down to three hundred dollars a month.
1:03:05 Caleb Hammer? And it's in person.
1:03:06 Speaker 06 Uh, not all in person.
1:03:08 Caleb Hammer? Dude, okay, listen. Some are video, but they, they do like Remember when I said, okay, listen? That meant, listen. Retard.
1:03:23 Caleb Hammer? Okay, listen.
1:03:26 Caleb Hammer? I want you to work out for sure. So I'm advocating for that and we can pay for a gym membership. We're not doing personal trainer right now while we're paying off debt. You gotta prioritize. You can, you can have activity and paying off debt at the same time. You do not need the personal trainer right now.
1:03:40 Speaker 06 Yes, accurate.
1:03:41 Caleb Hammer? Okay, so we can do that. You guys have a strong household income. After we're out of debt, we have a six month emergency fund and we can live in our 50, 30, 20, because your 30 will stretch a long way. Now, your income, it still kind of blows my mind. Cleaning, cleaning will consistently be this much. How many hours a week are you working?
1:03:56 Speaker 04 Not that much.
1:03:57 Caleb Hammer? How does this make sense? Where is this making sense?
1:04:00 Speaker 04 I typically work four hours a day.
1:04:02 Speaker 06 That's kind of where I get with asking him about his income is that, you know, he can't answer how much he's working per week because, you know, a lot of the time he's like, I'm working less than 35 hours a week and I'm making supposedly up to that $1,600 a month, a week.
1:04:20 Caleb Hammer? Allow me to be racist for a second, if I may. Are there no Mexicans in Colorado?
1:04:26 Speaker 06 There's plenty of Mexicans.
1:04:27 Caleb Hammer? What the is happening here? Because no, like I, I get my house cleaned twice a week. It's not that expensive.
1:04:38 Speaker 04 I don't charge that much. I typically charge about 150 for four hours, 170 to 180 for six hours.
1:04:47 Caleb Hammer? So this math doesn't add up. What the?
1:04:49 Speaker 04 It's roughly, I strive for 30 to 35.
1:04:52 Caleb Hammer? Okay, when you're ready to get a real job that has more longevity, especially when your body starts breaking down, that'll be decades hopefully. But I'll get you a course career certification in whatever you want. They offer so much now, trades, tech, you name it. I'll get you one. A lot of people in the audience have used it to improve their income and get new jobs.
1:05:07 Speaker 04 I appreciate that.
1:05:08 Caleb Hammer? I just, I don't know if I can use this 4,600 for your income. I really do not. I really don't.
1:05:15 Speaker 04 Fair enough.
1:05:15 Caleb Hammer? Obviously, we cannot afford this right now. Why the you putting on credit one, which is interest and fees to the max?
1:05:21 Speaker 06 It was the only card that had credit at the time that I made.
1:05:25 Caleb Hammer? Tell us!
1:05:27 Speaker 06 Not to be doing the stuff.
1:05:28 Caleb Hammer? Uh huh.
1:05:34 Caleb Hammer? Fees, hundreds this year. Interest, hundreds this year. It's absolute insanity beyond insanity. Credit one is a disgusting credit card.
1:05:47 Caleb Hammer? Uh, I think I have a checking account here. No.
1:05:50 Speaker 06 That's his NDR.
1:05:51 Speaker 04 That's my NDR bullshit. So I used to pay 500 a month for all my credit cards and then I got kinda tired of it one day. And then called them up and say, hey, help me consolidate my credit and.
1:06:04 Caleb Hammer? How much are you paying for this shit? This is crazy.
1:06:06 Speaker 04 123.
1:06:07 Caleb Hammer? But not just that, you're getting, you're getting fee, fee, fee, fee, fee, fee, fee, fee, fee, fee, fee.
1:06:12 Speaker 04 Yeah.
1:06:12 Caleb Hammer? General fee, monthly fee, pay bill fee, pay bill fee, monthly charge fee. What? It's not just that. You're, what?
1:06:18 Speaker 04 Yeah, no, right, right. No, so.
1:06:21 Caleb Hammer? How much do you owe overall? Like, how does this?
1:06:23 Speaker 04 Um, most of my credit cards are paid off. I came in about 11,000, 10 or 11,000 in debt and now.
1:06:30 Caleb Hammer? So what do you owe a month?
1:06:31 Speaker 04 Um, monthly.
1:06:33 Speaker 06 It's 123 dollars a week.
1:06:34 Speaker 04 It's 123 every two weeks. They raised it a little bit for one of the cards to have more money on there. So when I pay off one card, they just paid all the card half off and then it's not that bad.
1:06:46 Caleb Hammer? Well, when is it paid off? Is this the ending balance of 368 and then it's done?
1:06:50 Speaker 04 No, no, that's per month. Um, it's done in about a year or less.
1:06:56 Caleb Hammer? What's the, how much is left on it? Okay, 368 dollars a month.
1:07:01 Speaker 04 Let's see.
1:07:02 Caleb Hammer? Cause it's not on here.
1:07:03 Speaker 06 It, it, I was like, does it give you an actual amount?
1:07:06 Speaker 04 It just, not, I don't think so, no. Um, oh, shit.
1:07:10 Caleb Hammer? 368, cause I guess it depends on what you're doing on here, but this is crazy. You're paying shit. This is wild.
1:07:17 Caleb Hammer? I don't understand. Transaction fees like crazy, customer fees.
1:07:22 Speaker 04 When I called them up and asked about that, it's still, I only did it cause yes, it screwed me over and it made me all of my accounts that I paid all on time. Made it all into delinquencies.
1:07:34 Caleb Hammer? Now, this is not a type of debt relief service that I would typically advocate for. There are some good ones.
1:07:38 Speaker 04 I did it.
1:07:38 Caleb Hammer? But not without changing your behavior first. Listen, I'm, I'm just guessing it's about 4,500. Okay?
1:07:43 Speaker 04 Yeah, here. If you're curious, here you go. Um, so this one was almost paid off. Yeah, this one was almost paid off.
1:07:49 Caleb Hammer? Oh.
1:07:49 Speaker 04 That was my, um, I'm broke as shit spending. Um, this was like a balance transfer. Yeah. And then these two were I'm broke as shit.
1:07:58 Caleb Hammer? I said it's fine. Apple Card, whose is this?
1:08:00 Speaker 06 Mine.
1:08:01 Caleb Hammer? Okay, 3,139 dollars and 83 cents.
1:08:07 Caleb Hammer? The fuck are we doing? And why is this all?
1:08:10 Speaker 06 Um, it's the card that I've used-
1:08:11 Caleb Hammer? It's gone up from the previous month!
1:08:15 Caleb Hammer? Sorry, ninety-four dollars. Is your minimum monthly.
1:08:18 Speaker 06 That card-
1:08:19 Caleb Hammer? Fifteen years to pay off!
1:08:20 Speaker 06 That card, um, the only reason it goes up is because that's the card I use to book, um, hotels for work and then it immediately gets paid off.
1:08:29 Caleb Hammer? Yeah, hotel, hotel, hotel, hotel, Uber, Uber. It's all for work. What are we doing? Great! That doesn't matter! Work isn't paying for interest on it, asshole!
1:08:38 Speaker 04 Yeah, cuz you don't pay off the whole car, you're still getting in, unless you're actually going into the app and paying that amount off.
1:08:45 Speaker 06 That's what I'm doing, is paying off the amount that gets charged.
1:08:48 Caleb Hammer? Well, by the time interest hits, I don't know.
1:08:51 Speaker 06 Not always.
1:08:52 Caleb Hammer? No, exactly, so you're still gaining, almost a thousand dollars in interest this year so far to twenty-six point two four percent interest rate. Pull up your phone! Pull up your gay phone! Open it for me, YouTube.
1:09:02 Speaker 04 That's cute.
1:09:03 Caleb Hammer? I told you, I called it. Give.
1:09:05 Speaker 04 Alright, here, here.
1:09:07 Caleb Hammer? Why when I swiped down, listen, I swiped down so I could start the screen recording, but I accidentally swiped up to pull up the apps? The McDonald's app. Is the first thing that pops up.
1:09:17 Speaker 04 It's cheap, okay, and I have like a lot of points.
1:09:20 Caleb Hammer? You can't afford shit! You can't afford McDonald's, you cannot afford McDonald's. You cannot afford McDonald's. Okay, just Apple care for you.
1:09:29 Speaker 04 I have points saved up, so I typically go there when I have enough points saved, I'll just buy cheap shit there. Twenty percent off, free nuggies, free bullshit.
1:09:37 Caleb Hammer? Shut up! You're spending money you can't spend, dude. Off! And for you, Pokemon Go, that can cost money too, depending.
1:09:46 Speaker 06 Not in many years.
1:09:47 Caleb Hammer? Well, we'll see. What? That's your profile picture? Zoom in on that.
1:09:51 Speaker 02 Why is it still blurry?
1:09:52 Caleb Hammer? That's all the resolution we have. You're not a bad-looking dude, that is a horrendous profile picture. Huh?
1:09:58 Speaker 04 That's not a bad profile.
1:10:00 Caleb Hammer? No, it's really bad.
1:10:01 Speaker 06 It's not a great one.
1:10:01 Speaker 04 Oh, is it the one like, you know, tongue sticking out or something?
1:10:04 Speaker 06 I don't know.
1:10:04 Speaker 04 Okay.
1:10:05 Caleb Hammer? No, it's a very like, high school gay.
1:10:08 Speaker 06 Probably haven't updated in a while.
1:10:17 Caleb Hammer? Stop.
1:10:18 Speaker 04 Sorry.
1:10:18 Caleb Hammer? How do you, how do you put up with this?
1:10:20 Speaker 04 He bugs me enough too.
1:10:21 Speaker 06 I work sixteen to twenty hours a day.
1:10:24 Speaker 04 Yeah.
1:10:24 Caleb Hammer? Sixteen to twenty hours a day?
1:10:26 Speaker 04 Looks a lot.
1:10:27 Caleb Hammer? What the, let's go. A day, seven days a week?
1:10:30 Speaker 06 Typically, I work, I mean, I work seven days a week.
1:10:32 Speaker 04 Yeah, he comes home and just sleeps.
1:10:33 Caleb Hammer? Well, yeah, I mean, that makes sense. That's crazy, you're grinding. Also, he can fuck around and not know what he's actually doing? Dude, your subscriptions literally will not work. I don't know what your subscriptions are. Synchrony, Amazon card, who's this?
1:10:47 Speaker 04 Um, what's the balance on it?
1:10:49 Caleb Hammer? Oh. Uh, fifty-two dollars, eighty-three cents.
1:10:52 Speaker 06 That'd be mine.
1:10:53 Speaker 04 Maybe mine, mine had the lower one, cause, but I did bring it back up because I bought like a steam cleaner and stuff for work.
1:10:58 Caleb Hammer? You've had late fees constantly this year.
1:11:01 Speaker 04 Me? Yeah, I'm very bad about remembering to set a reminder on my phone and even if I set a reminder on my phone, sometimes I might not have the money.
1:11:10 Caleb Hammer? Auto pay you.
1:11:13 Speaker 04 Yeah, but if I set, I have set auto pay up and then I don't have the money in account and then it overdrafts it and then I get charged even more, so rather just not have it.
1:11:22 Caleb Hammer? An adult, look at your money.
1:11:26 Caleb Hammer? It's a small balance, I would just close it. You can't, you cannot be trusted with credit cards, you're not a credit card person.
1:11:30 Speaker 04 No, why do you think I close it all?
1:11:32 Caleb Hammer? Huh?
1:11:33 Speaker 04 Why do you think I stopped doing it all?
1:11:34 Caleb Hammer? But this is still here, you, you absolute fucking creature. Pull up your gay phone again. Twenty-nine dollar monthly payment, late fees like crazy, interest like crazy, thirty percent interest rate. Amazon, Amazon.
1:11:46 Speaker 04 It's on Synchrony.
1:11:47 Caleb Hammer? Uh, rotating MagSafe? Hyundai Mini Bluetooth?
1:11:51 Speaker 06 That was, that's my card then.
1:11:53 Speaker 04 Oh, okay.
1:11:54 Speaker 06 That's my card then.
1:11:55 Caleb Hammer? Oh, this is your card?
1:11:56 Speaker 06 Yeah.
1:11:57 Caleb Hammer? All right, pull, give me your phone again. Oh, your subscriptions. ChatGPT calorie counter. Were you, did you used to be a fat kid?
1:12:04 Speaker 06 Yes.
1:12:05 Caleb Hammer? Oh.
1:12:05 Speaker 04 I'm self-conscious about it, but I don't mind.
1:12:07 Caleb Hammer? That's okay, just be healthy. Listen, I'm okay with that. I guess, because it's annual lease.
1:12:13 Speaker 04 And the, I paid like half of that when I got that subscription.
1:12:19 Caleb Hammer? I'm okay with that. I just went into the trainer right now, unless you absolutely hardcore needed. You got three things in your cart. You got three things in your cart. It's a Nintendo Ultimate Bluetooth Controller. Fuck you. No. Tripod. Fuck you. No. Wireless mini microphone. Fuck you. No. What are you trying to get into content creation? That's $119. What are you doing?
1:12:38 Speaker 04 It's just been sitting there for over a month now.
1:12:40 Caleb Hammer? You got a Roto V MagSafe tripod. You got the Hyundai mini Bluetooth program thing. Electricity, smart food kitchen scale, and how to defeat a demon king book.
1:12:53 Caleb Hammer? And then way too expensive things in our cards. Listen. Content creation starts off as a hobby. You can't afford a hobby and you don't really have time for a hobby. So I wouldn't even know how you do content creation if you're working 20 hours a day.
1:13:07 Speaker 04 I wouldn't. I mean.
1:13:08 Caleb Hammer? Are you his little bitch? He just shooed that thing from you.
1:13:11 Speaker 04 No, I told him to put it over there without trying to interrupt you.
1:13:14 Caleb Hammer? Yeah, but you, that's like dick.
1:13:19 Speaker 04 It's just kinda how he is.
1:13:20 Caleb Hammer? That's like whistling to have him come to you.
1:13:23 Speaker 04 He does that. Yeah. Hey, that's almost just like that. Yeah.
1:13:28 Caleb Hammer? Huntington. Hmm. Zero dollar balance.
1:13:32 Speaker 04 Oh yeah, that's probably me. I usually don't have money in my accounts.
1:13:36 Caleb Hammer? Oh, well, no, this is like some kind of credit. But it only allows you to get 100 bucks.
1:13:41 Speaker 04 Oh yeah, that's me. I used to do that when I had money.
1:14:14 Speaker 04 My account, but now because I don't have any money, I can't even do that anymore. So.
1:14:18 Caleb Hammer? Care Credit, who's this? At $3,036.31. Basically maxed out.
1:14:22 Speaker 04 It's my eyeballs.
1:14:24 Caleb Hammer? Huh?
1:14:25 Speaker 04 Lasix.
1:14:27 Speaker 04 Worth it.
1:14:27 Caleb Hammer? Who?
1:14:28 Speaker 06 Me.
1:14:28 Caleb Hammer? You got LASIK?
1:14:29 Speaker 06 Yes.
1:14:30 Caleb Hammer? Okay.
1:14:30 Speaker 04 Best money ever spent.
1:14:32 Caleb Hammer? Why?
1:14:32 Speaker 06 I was, I was having a lot of frustrations with my glasses. I was, um, I spent quite a bit of money on glasses, so I was getting very-
1:14:40 Caleb Hammer? I mean, was this the right time to do it, though? Especially if we had to put it all in credit? It's an elective surgery. I get it. If it was a medical necessity, I'd be fully on it, but-
1:14:48 Speaker 06 Yes.
1:14:49 Caleb Hammer? Was this the time? I'm not saying you can't do it. You guys make good money, but was this the time?
1:14:53 Speaker 06 I was definitely less drowning in debt when I did it.
1:14:56 Caleb Hammer? When'd you do this?
1:14:56 Speaker 06 It was last year at some point.
1:14:58 Caleb Hammer? Ninety-nine dollar minimum payment, balance of three thousand thirty-six dollars thirty-one cents. Nineteen years to pay this off. Which means, I mean, oh, no.
1:15:14 Caleb Hammer? In ten months, deferred interest of at that time, they will add two thousand dollars to the balance.
1:15:21 Speaker 06 I've, I've been paying between two hundred and three hundred a month on it.
1:15:25 Speaker 04 I don't think that's enough.
1:15:26 Caleb Hammer? Nope, you paid ninety-one. Nope, two hundred. But let's see. Okay, we got ten months.
1:15:30 Speaker 06 Cause if I pay three hundred a month on it, it should be paid off.
1:15:32 Caleb Hammer? Well, yeah, it's about-
1:15:34 Speaker 04 Before the, all that hits?
1:15:36 Speaker 06 Yes.
1:15:36 Speaker 04 Okay.
1:15:37 Caleb Hammer? Yeah, three hundred ten dollars, but you're not. But let's mark that. Three hundred ten is required to pay it off. Before two, cause that's very important. For two thousand? What are you just mumbling about?
1:15:50 Speaker 04 I mean, those numbers that you just said seems like he is almost doing just about three hundred a month and-
1:15:55 Caleb Hammer? Well, two hundred is not three hundred, and there could be one dollar left on it, and two thousand will be added.
1:16:00 Speaker 04 Oh my god, okay, fine. Day.
1:16:08 Caleb Hammer? Discover personal loan. At fourteen point nine nine percent interest rate. Whose is this? What? Oh, the, past due, who's past due? Who's past due? You?
1:16:17 Speaker 04 Me?
1:16:18 Speaker 06 It wasn't past due.
1:16:19 Caleb Hammer? It is past due. Oh, total amount due, sorry. Never mind. No.
1:16:23 Speaker 06 It wasn't past due, cause that's, that's definitely one that I've gotten very good on, and that one's never been late.
1:16:28 Caleb Hammer? Okay, good. What's the personal one for?
1:16:30 Speaker 06 It was a consolidation loan that I did a couple of years back.
1:16:34 Caleb Hammer? This was you?
1:16:34 Speaker 06 Yes.
1:16:35 Caleb Hammer? Oh, well, you were making it sound like it was you, you thought. Okay. Listen, obviously consolidations haven't worked because our balances are right back up. If you guys do not change behavior, your debt forgiveness bullshit, your consolidations, it does not work. Bankruptcy would not work because you will be end up in the same exact spot, if not double the debt. So you still owe $410.71. It's almost paid off with a minimum payment of $136.02. Okay, but is it a 50% interest rate? When did you get this consolidation?
1:17:08 Speaker 06 Back in 21.
1:17:10 Caleb Hammer? Sake. And we learned nothing from the clear heft of what is still left. It's still more paperwork than most financial audits start with.
1:17:21 Caleb Hammer? And credit union, whose is this?
1:17:24 Speaker 06 Mine.
1:17:24 Caleb Hammer? Past due $40!
1:17:27 Speaker 04 Was that the car?
1:17:28 Caleb Hammer? That one's official!
1:17:31 Speaker 04 That one from the car accident or something?
1:17:33 Speaker 06 It depends on which one.
1:17:34 Caleb Hammer? I don't know, yo, $519.88 with interest accruing. We owe the payment $40.
1:17:42 Speaker 06 I think I just pulled the statements on the day it was due was part of it.
1:17:46 Caleb Hammer? No, no, it was past due. It wouldn't be past due on the day that it is due. It is past due. You just got this, I'm being told. So what is this for?
1:17:53 Speaker 06 It was originally gonna be for moving around some debt and then we just used it to...
1:17:58 Caleb Hammer? Didn't work again. Used it for what, though?
1:18:01 Speaker 06 Uh, tint on the car.
1:18:03 Caleb Hammer? What? And what? How is that important? Fuck you.
1:18:07 Speaker 04 Because we don't want people seeing in our car.
1:18:09 Caleb Hammer? Roadhead?
1:18:11 Speaker 06 It's mostly, it's mostly just also...
1:18:14 Caleb Hammer? You're doing roadhead?
1:18:15 Speaker 06 It's mostly also just...
1:18:16 Caleb Hammer? You're doing roadhead?
1:18:17 Speaker 06 It's a light sensitivity thing.
1:18:19 Caleb Hammer? You do roadhead?
1:18:20 Speaker 06 Yes.
1:18:23 Speaker 06 I won't disagree.
1:18:24 Caleb Hammer? We celebrate roadhead. We celebrate roadhead.
1:18:27 Speaker 04 Live life, have fun.
1:18:29 Caleb Hammer? Listen, we never get the gays on the show, so I gotta use and abuse it while I got it.
1:18:32 Speaker 04 No, please.
1:18:33 Speaker 06 I mean, absolutely.
1:18:35 Caleb Hammer? Okay.
1:18:35 Speaker 06 So I mean, it's also that.
1:18:37 Caleb Hammer? Okay, well, I don't think we're getting a 21.99% late balance of $519 for more private roadhead.
1:18:43 Speaker 06 It's also just a light sensitivity thing because I do spend a lot of time in my vehicle.
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1:20:00 Speaker 06 He does too.
1:20:01 Caleb Hammer? From the gas station, dude, for like $5. Are you kidding me? We're getting a whole balance at a high interest that were passed due on to not wear sunglasses? And to get a little glucky glucky from the beard?
1:20:14 Speaker 06 Yeah, I guess. That, I mean, I, it was.
1:20:18 Caleb Hammer? These are always so kinky.
1:20:20 Speaker 06 It was just, I was trying to.
1:20:21 Caleb Hammer? You know, that's not that dramatic of a kink, but I know gay people love public.
1:20:26 Speaker 06 Oh, public humiliation.
1:20:27 Caleb Hammer? Humiliation?
1:20:28 Speaker 06 Yeah, that's the thing.
1:20:32 Speaker 06 It's the way he takes it.
1:20:34 Caleb Hammer? Well, he only takes what you give. I don't know if you know this, but...
1:20:37 Speaker 04 I mean, having tint on your car is a good justification to spend money on. Like, I spent $600 on my-
1:20:43 Caleb Hammer? This is a [bleep] account.
1:20:44 Speaker 04 Actually, no, you spent that money on for my Porsche.
1:20:46 Caleb Hammer? Who? For a what?
1:20:48 Speaker 04 Oh-
1:20:48 Caleb Hammer? You have a Porsche?
1:20:49 Speaker 04 Yeah, I have a Porsche and I tinted it. And it was like my, part of my birthday present. Either I paid it or you helped me pay it. I don't remember what it was. I think, I think you paid it for my birthday or something.
1:20:59 Speaker 06 I don't remember.
1:21:00 Speaker 04 Yeah, I don't remember.
1:21:01 Caleb Hammer? Who? So you have the Hyundai Sonata?
1:21:03 Speaker 06 Yes.
1:21:03 Speaker 04 Yeah.
1:21:04 Caleb Hammer? Very good. 2023 Hyundai Sonata.
1:21:07 Speaker 04 Uh, that's the old car, and that one got destroyed.
1:21:10 Caleb Hammer? Well, this one still has a balance.
1:21:12 Speaker 06 We're waiting for the gap insurance payout on it.
1:21:15 Caleb Hammer? And is that confirmed yet?
1:21:16 Speaker 06 Yes.
1:21:17 Caleb Hammer? Okay, so I can cross this off?
1:21:19 Speaker 06 Yes.
1:21:19 Caleb Hammer? Thank [bleep] because you owed-
1:21:22 Speaker 04 Bullshit.
1:21:22 Caleb Hammer? Almost $10,000, almost $9,000 at an 11.24% interest rate of horrendous, disgusting horrendousness.
1:21:29 Speaker 04 That was a nice car.
1:21:31 Caleb Hammer? No, but there is a personal loan here, so you have an extra personal loan.
1:21:34 Speaker 06 Yes.
1:21:35 Caleb Hammer? What the [bleep] for why now? Ah! A six thou- oh! $6,934.79 why? With a payment of $203. No wonder you guys can't survive. Look at these payments at this point. $203.40 on a monthly basis. What is this personal loan for?
1:21:51 Speaker 06 Um, I pulled it to try to help pay down some of the debts and consolidate things again.
1:21:57 Caleb Hammer? And how did that work?
1:21:58 Speaker 06 It didn't.
1:21:59 Caleb Hammer? Uh-huh? Woo! This was taken out in August of this year!
1:22:03 Speaker 04 Is that the, is that the second personal loan?
1:22:06 Caleb Hammer? Of this [bleep] year!
1:22:09 Speaker 04 It makes me feel so much better about the money that I spent.
1:22:12 Caleb Hammer? Well, um, you just took this out.
1:22:17 Caleb Hammer? Yeah, 20.7% interest rate.
1:22:19 Speaker 06 That's bad.
1:22:20 Speaker 04 [bleep] That's-
1:22:25 Caleb Hammer? It's bullshit. Oh. It's hot.
1:22:29 Caleb Hammer? Yeah, no, it's brutal. We gotta keep going because it's gonna be forever. Micro Center, I really wish we had one.
1:22:35 Speaker 04 Oh, I love Micro Center. It's so hard not to spend so much money there.
1:22:38 Caleb Hammer? Well, I don't like that you have one then. So whose Micro Center card is this?
1:22:43 Speaker 04 Mine.
1:22:43 Caleb Hammer? Oh, for fuck's sake dude. Dude, you have all the debt.
1:22:46 Speaker 04 Yeah. I stopped my debt, thankfully.
1:22:50 Caleb Hammer? Well, not the... No, we have two credit cards. But we had one credit card from you.
1:22:55 Speaker 04 Yeah.
1:22:55 Caleb Hammer? What was that? It was the Betlink? And then you also had the vacation home bullshit, so come on, you're not like a winner.
1:23:02 Speaker 04 Not that bad.
1:23:03 Caleb Hammer? No.
1:23:04 Speaker 04 Just a buyer.
1:23:05 Caleb Hammer? Dude, you consolidated shit dude, come on.
1:23:07 Speaker 04 I did, yeah.
1:23:07 Caleb Hammer? $1,008.56 owed on here, interest accruing, only making minimum payments, that is $40.
1:23:15 Caleb Hammer? No late fees this year, but hundreds in interest.
1:23:20 Caleb Hammer? Oh, a mortgage! We own a house!
1:23:22 Speaker 04 Yeah, we bought it at a pretty good time. We have a very low interest rate.
1:23:26 Caleb Hammer? 2.75%.
1:23:27 Speaker 04 Fuck yeah, it is.
1:23:28 Caleb Hammer? Yeah, the rate's great.
1:23:29 Speaker 04 Yeah.
1:23:30 Caleb Hammer? Uh, how much is the house worth?
1:23:32 Speaker 04 Uh, it's like $300,000 maybe, slightly under.
1:23:35 Caleb Hammer? Are we both on it together?
1:23:36 Speaker 04 Yes, 50/50.
1:23:37 Caleb Hammer? That's good. $230,243.
1:23:42 Speaker 04 Left. Yeah, we haven't paid that much into it, and I want to pay more, but we can't.
1:23:47 Caleb Hammer? No, why, why, why would you pay more at that interest rate?
1:23:50 Speaker 06 It's a 2.75%, it'd make no sense to pay more. This is what I keep telling you, but you keep saying.
1:23:54 Caleb Hammer? $1,623.43 a month. Usually a mortgage is the last debt, but it can't because then I have this. What is this? Um, okay, this is $24,841.
1:24:10 Speaker 04 Is that the solar? Oh yeah, the solar that we got, yay!
1:24:14 Caleb Hammer? We're in Colorado Springs.
1:24:15 Speaker 04 It's actually pretty sunny.
1:24:17 Speaker 06 Colorado, Colorado on average has 300 days of sun.
1:24:19 Speaker 04 A lot more than what Florida likes to bullshit boast about their sunny, you know? Colorado Springs is almost, is almost year-round of sun.
1:24:28 Caleb Hammer? Okay, brag about it.
1:24:30 Speaker 04 Yeah.
1:24:31 Caleb Hammer? I just wanted to make sure.
1:24:32 Speaker 04 Very beautiful.
1:24:35 Speaker 04 So the solar.
1:24:37 Caleb Hammer? Yeah, solar at a 6% interest rate.
1:24:39 Speaker 04 Roped into it and.
1:24:40 Caleb Hammer? No shit. Who got sold on this?
1:24:42 Speaker 04 I.
1:24:42 Caleb Hammer? And you didn't advocate?
1:24:44 Speaker 06 I wasn't.
1:24:44 Caleb Hammer? Or did you agree with it?
1:24:45 Speaker 04 Not really. He just kind of said, if that's what you want.
1:24:47 Speaker 06 I wasn't there. He was.
1:24:49 Speaker 04 Not really. Not the first part. I kind of let her in and I, we talked and after that I told her that I need to discuss it with my partner before I say yes. So then she came back and then we both discussed it, I think, after.
1:25:03 Speaker 06 No.
1:25:04 Speaker 04 Oof.
1:25:05 Caleb Hammer? The [bleep]. So what happened then?
1:25:08 Speaker 06 He called me while I was at work when they were there and he was talking about it and he basically laid out the numbers for me and I said, if you think it's going to be a good deal as far as like, what we're paying versus what the electricity is in the house now, go ahead and do it, but only if it's going to make sense.
1:25:24 Caleb Hammer? Has it?
1:25:25 Speaker 06 For the most part, yes, it does.
1:25:27 Caleb Hammer? Solar can be relatively good. What I just don't like is that 6% interest rate.
1:25:30 Speaker 04 No, I don't appreciate it.
1:25:32 Caleb Hammer? And also just you guys have an insane stack of debt, adding another monthly payment onto it?
1:25:35 Speaker 04 Well, that was early. That was like when we first, like the year or two into getting the house. So we didn't have that much debt to start when you first got the house. Our debt to income was low enough to get the house.
1:25:49 Speaker 06 Yeah, because we were, we had paid off quite a bit before we bought the house.
1:25:52 Speaker 04 Yeah, like it was, like I remember it being like, they were talking to us and we had to say like.
1:25:57 Caleb Hammer? So minimum monthly payment is $217.32. Oh my gosh, it really just keeps going. Who's the citizen's pay?
1:26:05 Speaker 06 It's both of ours. It was the like line of credit that Vivint did for the equipment.
1:26:14 Caleb Hammer? 500, wait, the same, okay, $566.50 is owed. Count is currently closed. Minimum payment is $66.75. What's going on with this? Or 67 cents?
1:26:25 Speaker 04 That's like the almost forever rental that we have on our cameras.
1:26:29 Speaker 06 It's not a rental. It's literally just payment. It's, it's the.
1:26:33 Speaker 04 Not rental, whatever.
1:26:34 Speaker 06 It's the.
1:26:34 Caleb Hammer? The finance, your, your security.
1:26:36 Speaker 04 It's like, they make it like a line of credit. So if you want to add shit on, they just add it on to that line of credit.
1:26:43 Speaker 06 Yeah, but right now it's not gaining any interest or anything. So it just is, it's just being paid off.
1:26:47 Caleb Hammer? No interest, no fees. That's good. A checking account? I think, nope. Another damn loan, auto loan.
1:26:54 Speaker 04 Uh, I think that one's mine.
1:26:56 Caleb Hammer? Your Porsche only has 2026 on it?
1:26:58 Speaker 06 That's his, that's his truck.
1:26:59 Speaker 04 That's my truck. My Porsche is paid off. I paid that in cash.
1:27:02 Caleb Hammer? What's your Porsche? What kind of car do you, truck do you have?
1:27:04 Speaker 04 Um, I have a 2010 Ford F-150.
1:27:06 Caleb Hammer? Twenty thousand, twenty six thousand, fifty five cents.
1:27:08 Speaker 04 I got kind of roped into it because I went to the lot and bought it that day and it was not, no one ever looked at it and I guess I just want it. So I got it. And at first, I'm really happy. It's not a lemon.
1:27:20 Caleb Hammer? Well, it's at a 7% interest rate with a minimum monthly payment of what?
1:27:24 Speaker 04 Uh, three sixty seven minimum, yeah.
1:27:26 Caleb Hammer? 367.52.
1:27:27 Speaker 04 For a little bit.
1:27:28 Caleb Hammer? But it's another minimum monthly payment, dude, and you guys-
1:27:30 Speaker 04 It's almost over.
1:27:31 Caleb Hammer? But it's just stacking forever.
1:27:32 Speaker 04 Yeah, it's been stacking for years now.
1:27:35 Caleb Hammer? Oh, what's this?
1:27:36 Speaker 04 And for a little bit, I paid and paid.
1:27:37 Caleb Hammer? Shh, quiet! Shh, quiet!
1:27:42 Caleb Hammer? Okay, 2025 Hyundai Sonata. Is this your new car?
1:27:45 Speaker 06 Yes.
1:27:46 Caleb Hammer? For sake.
1:27:46 Speaker 04 I was so pissed off when I saw that balance on that per month. Holy ****ing shit.
1:27:52 Speaker 06 Like you're paying it.
1:27:53 Caleb Hammer? Did you go and just do this yourself without his knowledge?
1:27:56 Speaker 04 No, he knew. Oh, I knew, sorry.
1:27:58 Caleb Hammer? Then why is it pissing you off?
1:27:59 Speaker 04 It's expensive as **** every month.
1:28:03 Caleb Hammer? Yes? Okay, forty one thousand, four hundred ninety seven. Then why'd you accept it, dude?
1:28:09 Speaker 04 Nice as **** car. I love driving it. It's so worth it.
1:28:13 Caleb Hammer? But it's yours.
1:28:14 Speaker 06 Yeah, it's my car.
1:28:14 Speaker 04 It is, yeah.
1:28:16 Caleb Hammer? Okay, dumbass. I don't know. Minimum monthly payment, seven seventy six? No, no, you're-
1:28:23 Speaker 06 Eight thirty.
1:28:24 Caleb Hammer? No, it's normally eight hundred thirteen dollars and forty one cents. That is **** crazy. Hey, what's it worth?
1:28:32 Speaker 06 Uh, right about what I paid for it.
1:28:35 Speaker 04 Yeah, it's still brand new.
1:28:35 Speaker 06 About forty thousand.
1:28:36 Speaker 04 Is it what, thirty eight for a little leg? Because it's always less when you drive it off.
1:28:40 Caleb Hammer? Edmunds, which is the most reliable. It's the most reliable. It's what we use. We've switched to Edmunds. Says it's twenty eight thousand, eight hundred eighty five dollars. Private. Dude, you are dramatically underwater for a minimum monthly payment that is absolutely insanity, insanity, insanity, insanity. A fifth of your income essentially alone. What the ****?
1:28:57 Speaker 04 Oh, and that's not on top of the insurance.
1:28:59 Caleb Hammer? What's the interest rate?
1:29:00 Speaker 06 It's twelve point four.
1:29:03 Caleb Hammer? What are we doing? Why?
1:29:05 Speaker 06 I mean, my mileage reimbursement.
1:29:07 Caleb Hammer? Die!
1:29:08 Speaker 06 Every month pays for that without me having to worry about it.
1:29:11 Speaker 04 And it's the gas. You save so much more money on gas.
1:29:14 Caleb Hammer? Who's stash? Who's stash? Who is stash?
1:29:18 Speaker 06 Mine.
1:29:19 Speaker 04 He puts some money away to savings. He know you gotta pay monthly fees.
1:29:23 Caleb Hammer? 67 dollars? Fuck you. What are you talking about? You've never heard of save? You don't know what save is? Fuck you, savings.
1:29:28 Speaker 04 No, I don't save.
1:29:29 Caleb Hammer? What you go into gas stations for and get for a couple bucks, five bucks?
1:29:32 Speaker 06 Usually energy drinks.
1:29:34 Caleb Hammer? Okay, no you don't. No, you no longer do. Take a free sample of your choice. I don't care. Listen, Gamer Subs, you make coffee at home instead of going to Starbucks for a reason to save money? 40 cents a serving with Gamer Subs. You make your energy drink at home, it tastes better. Get your free samples below, find what flavor you like, and then get yours for 10% off using my link or code CALEB GAMERSUBS.GG. No, you're making your energy drinks at home or in the car. That's it. You can't afford to stop in and get a $6 energy drink. Fuck you. You can't!
1:30:06 Speaker 04 You did that for a little bit though, where you made your own energy drinks through a ghost.
1:30:10 Caleb Hammer? You're doing it now from home and I don't give a... Huh?
1:30:13 Speaker 04 It's not the same.
1:30:14 Caleb Hammer? It does, dude. Well, you're right. It tastes better, actually. It legitimately does. Blind taste test, we've done it. Guys, I just don't even know. Literally commenters, the videos have started to come out where I talk about these and commenters like, oh shit, I got the free samples. Dude, this shit is great. So just do it. It saves you a lot of money. It's not just a plug because obviously the company makes money, I make money. It literally saves you money, so why the fuck not?
1:30:37 Speaker 06 Yeah.
1:30:38 Caleb Hammer? For just as good taste and energy.
1:30:40 Speaker 04 Thank you.
1:30:40 Caleb Hammer? So, energy drink, Kindle, do you have Spotify?
1:30:43 Speaker 06 No.
1:30:44 Caleb Hammer? Okay, then I'm okay with the Kindle.
1:30:45 Speaker 04 It's like Apple Music. Yeah, Apple, you know.
1:30:48 Caleb Hammer? Is there audiobooks on Apple Music like there is Spotify?
1:30:51 Speaker 06 Not...
1:30:52 Caleb Hammer? I've switched to Spotify. I've switched to Spotify then, cancel Kindle, get audiobooks through Spotify. I know you drive a lot, so that's where I'm okay with you having something.
1:31:00 Speaker 06 Yeah.
1:31:01 Caleb Hammer? But let's not have two. Have it all under one. Sheaf Vapor? More vaping? More little vapes?
1:31:07 Speaker 06 Yes.
1:31:07 Caleb Hammer? Come on, why die? You're getting your health under control. Why fuck your lungs?
1:31:11 Speaker 06 And it's, uh...
1:31:14 Speaker 06 Addiction.
1:31:15 Speaker 04 It's always been a smaller.
1:31:16 Speaker 06 Gets me through the day. Yeah.
1:31:18 Caleb Hammer? Nope. No. Fuck you. Stop.
1:31:20 Speaker 04 No. Fuck you. It's gonna, he's gonna get so pissy at me all the time if he doesn't have low nicotine.
1:31:26 Caleb Hammer? And go through his withdrawals.
1:31:27 Speaker 04 Oh, I, I tried. I, I, he even asked me to take his little carts and I did that for a little bit, but then he just goes and gets more.
1:31:36 Caleb Hammer? Can you please quit? I know it's easier said than done.
1:31:39 Speaker 06 It's, he, like I said.
1:31:40 Caleb Hammer? Dude, you got, you gotta, if you're taking care of your health in one way, don't fuck it in another.
1:31:46 Speaker 06 You're right.
1:31:46 Speaker 04 I have my health, my health over through sweets. That's my, that's my addiction.
1:31:51 Speaker 06 Cause it's kind of one of those things of just, you know, I, that's how I get it through my day is just, you know, I always tell people caffeine, nicotine and self hatred was what gets me through sixteen to twenty hours a day.
1:32:00 Caleb Hammer? Just do caffeine and self hatred. It's one you just can't afford to do there. Cinemark, Amazon, Good Times. What is it? A bar, restaurant, little thing?
1:32:08 Speaker 06 It's.
1:32:09 Caleb Hammer? Energy drink, microelectronics, come on. Uh, membership to Hammer Elite, the best membership on YouTube and number one for a reason. Cause there's three premium shows posted every single day, Monday through Friday. When is this coming out? New year? Wow. Six days, six days a week now, three shows. We're ramping up to seven. So three shows a day, six days a week, all high quality, all awesome. Check it out. Went inside, got an energy drink, energy drink, energy drink, affirm, affirm, you're paying your affirm on a card that accrues fuck you. What are we doing?
1:32:40 Speaker 06 That doesn't accrue interest.
1:32:42 Caleb Hammer? No, that like. They did cruise fuck you. There's probably fees and bullshit. No?
1:32:45 Speaker 06 It's just a checking account.
1:32:46 Caleb Hammer? Okay, good. Energy drink, energy drink, Patreon, sixty one dollars, seventy four cents Patreon.
1:32:52 Speaker 06 It's, uh, for an author that I support.
1:32:55 Speaker 04 Oh, is that one of the?
1:32:56 Caleb Hammer? That's just too much money. I would never ask for that. Cause you have another one for ten twenty nine and then Best Buy. Going in, getting some bullshit, getting some bullshit, Cinemark, energy drink.
1:33:08 Caleb Hammer? I think that's a restaurant. I think that's a restaurant. Uh, Lifetime Cafe, bullshit, energy drink, angry chicken. There's so much spending. For someone that's trying to get out of debt and change their life, fuck you. No, you're not. Well, look at this behavior. Uh, Apple Cash, energy drink, energy drink, energy drink, clouds vape. Come on, dude. Giro's Town, Smoothie King, Golden Cor- Golden Corral?
1:33:29 Speaker 06 That was for my sister when she was in town and we all had dinner.
1:33:32 Caleb Hammer? And we went to Golden Corral?
1:33:34 Speaker 06 It was not my choice. It was my father's choice. Father.
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1:34:08 Caleb Hammer? Energy drink, energy, it keeps going! Energy drink, energy drink, energy drink, smoke plus, energy drink, energy drink, Smoothie King.
1:34:16 Speaker 06 He's got his energy for the day.
1:34:17 Caleb Hammer? Ooh, shut the [__] up. Vaping, just die dude. Thousand, one hundred in the savings, I guess, at least you got a thousand. Oh, nine hundred, nine thousand in this, what's this?
1:34:30 Speaker 06 Alright, those are stocks.
1:34:31 Caleb Hammer? Oh. Good, like a Roth IRA, what is this?
1:34:34 Speaker 06 There's a individual brokerage account and a Roth IRA.
1:34:37 Caleb Hammer? Well, which one's nine thousand?
1:34:39 Speaker 06 That would be the individual brokerage.
1:34:40 Caleb Hammer? And two thousand six hundred forty?
1:34:41 Speaker 06 Uh, the IRA.
1:34:42 Caleb Hammer? Well, that's good. Behind for your age if that's your entire retirement, but we'll see. Whose fidelity is this?
1:34:47 Speaker 06 His.
1:34:47 Caleb Hammer? Three thousand, is this your 401K? Or what is this?
1:34:49 Speaker 04 Um, that is, yeah, my 401K slash savings for taxes.
1:34:54 Caleb Hammer? What the [__] I'm getting back to debt again? Wait, what is all this? Oh, a firm!
1:35:01 Speaker 06 Yes.
1:35:01 Caleb Hammer? Who's a firm in at a 23.67% interest rate?
1:35:04 Speaker 06 That would be mine.
1:35:05 Caleb Hammer? What are you, hold for your firm. Oh, there's a shit ton. What the [__] are you doing?
1:35:11 Speaker 06 Shut the [__] up.
1:35:12 Caleb Hammer? Yeah, it's over piling.
1:35:15 Speaker 06 That's only twenty seventy-three, I mean, that's not the worst.
1:35:18 Caleb Hammer? Shut the [__] up. No, you're gonna hold back the entire relationship. You're a horrendous individual. Let me see.
1:35:25 Caleb Hammer? Okay, at this point, after all the affirm, holy purchasing powers, a thousand, okay.
1:35:32 Caleb Hammer? No, you just purchased the course careers. We'll see if we can get that covered. Appreciate it.
1:35:39 Speaker 06 Thank you.
1:35:40 Caleb Hammer? Yeah! Yeah! You just did eBay $3,258! What is it for, you? Jeez. Huh?
1:35:51 Speaker 06 It depends. I mean, I've-
1:35:53 Caleb Hammer? $3,258.27, 11/26, fuck you. November 20-
1:35:59 Speaker 06 I didn't spend anything.
1:36:02 Speaker 06 Not.
1:36:03 Caleb Hammer? What'd you- Yes?
1:36:05 Speaker 06 No.
1:36:05 Caleb Hammer? November 26, $2,3,258.27, it's 26, fuck you, you cunt.
1:36:11 Speaker 06 That's old, that's an old one, yes, but it was not this recently. That was last year.
1:36:20 Speaker 06 Yeah, that's 2024.
1:36:21 Caleb Hammer? So what do you currently owe on a firm?
1:36:23 Speaker 06 I owe a total of...
1:36:26 Caleb Hammer? I don't even know how to use that app.
1:36:27 Speaker 06 There you go.
1:36:28 Caleb Hammer? Oh, for what, you little tit? Asus, eBay, Best Buy, fuck, you, what is all this for?
1:36:39 Speaker 06 Um, eBay, I, I, I had, I collect, uh, video game consoles.
1:36:45 Caleb Hammer? Collects paying off debt?
1:36:48 Speaker 06 Yes, um, but the eBay one, I bought the 30th anniversary PlayStation 5 Pro. And so that's what that one was, and then something else with that one, and then the, Asus one was a computer.
1:37:05 Caleb Hammer? $4,721.41 with a minimum payment of $392.95, so fuck, you, oh! $15 ending in this checking account, a firm overdraft? Who's overdrafting? Huntington? Huntington overdraft. Who, you? Can someone tell me who's this is?
1:37:24 Speaker 06 It depends, we both use Huntington.
1:37:26 Caleb Hammer? Cause you don't know who overdrafted? We both kinda overdraft, but I usually have money in my savings. Barely enough to cover it. You prick? Quiet, you?
1:37:39 Caleb Hammer? Who's overdrafted four times this year? Shut the f*** up! Who's overdrafted four times this year? And their checking account?
1:37:47 Speaker 04 That might be the joint account.
1:37:48 Caleb Hammer? Oh my gosh, joint we're overdrafting four times this year? Okay, who has a balance of 680? Started with 434.
1:37:56 Speaker 04 Uh, might be mine?
1:37:57 Caleb Hammer? It can't withdraw, withdraw, withdraw, withdraw, withdraw. Affirm, dig, diggy. Mexican restaurant, Apple Bill, Apple Bill, bullshit, bullshit. Shake Shack, Micro Center, Apple Bill, burgers. Bullshit, bullshit, Clouds vape, Daggy.
1:38:15 Speaker 04 Daggy's our little nom nom place that we love to go to.
1:38:18 Caleb Hammer? You die.
1:38:21 Speaker 04 Delicious.
1:38:22 Caleb Hammer? Micro Center, subscription stash, bullshit, bullshit. Getting on, going inside, getting into bullshit, gamer stuff, dude, you gotta stop. Premium, omelets, apple, five star, five star, vape, audible, two audibles. Okay, Apple Cash, bullshit. Fuck you.
1:38:41 Caleb Hammer? Multiple overdrafts this year so far. Three on that one. Then in this Huntington, Solace, Solace, Cash App, Little Caesar's Cash App, going inside, getting into bullshit, Arby's, McDonald's, Sports Clips. It's so stupid!
1:38:55 Speaker 04 That's not bullshit.
1:38:56 Caleb Hammer? Sports Clips is fine, you dramatically need it, more than anyone I've ever met. 563 dollars in this one, Hulu, Netflix, bullshit. So stupid.
1:39:04 Speaker 04 I'm pretty sure Hulu Netflix is on the joint. Oh, that's mine. It's my little bit of money.
1:39:11 Caleb Hammer? Thor Mountain, Colorado, sending money back and forth. Die, Klarna, Shark Ninja, die, die, die.
1:39:20 Speaker 04 Piss off.
1:39:20 Caleb Hammer? Die, Apple Bill, Arby's, Culvers, die.
1:39:24 Speaker 04 Nommies. Culvers is good.
1:39:28 Caleb Hammer? What's he saying? 10 dollars in this down from 400, this is money being sent back and forth, what a f***ing joke.
1:39:35 Caleb Hammer? What a joke.
1:39:36 Speaker 04 Yeah.
1:39:37 Caleb Hammer? I'm so curious about these minimum two payments. If this is budgetable. I hope it is. I wish you guys the best. I don't know if you will have the best when you guys are very conflicting on your mentality around money. I don't know how the fuck we're gonna survive as longevity as a couple, but obviously I hope you do.
1:39:52 Speaker 04 We've been doing it for 10, 11 years now.
1:39:55 Caleb Hammer? Yeah, but he's trying to get his shit together.
1:39:57 Speaker 04 Yeah, and he's getting his shit together enough.
1:39:59 Caleb Hammer? Yeah, but you're holding him back. Shut the fuck up.
1:40:00 Speaker 04 Oh, please.
1:40:01 Caleb Hammer? What are you talking about? Oh, please. If you listen to your language, watch this episode back if you can sit still.
1:40:06 Speaker 04 I will so have fun watching it and all my mistakes that I've made. Mm-hmm.
1:40:10 Caleb Hammer? And that's something you're proud of? That doesn't, that doesn't embarrass you to your core?
1:40:15 Speaker 04 Not really.
1:40:16 Caleb Hammer? It should. Does that not embarrass you, Mr. Whatever your fake name is? I forgot.
1:40:21 Speaker 04 Bastian.
1:40:22 Caleb Hammer? Bastian?
1:40:23 Speaker 06 That was, that was definitely a big part of like what was holding me back from coming was just because ultimately I am really embarrassed about where I've gotten myself.
1:40:31 Caleb Hammer? No! Are you not embarrassed of him?
1:40:33 Speaker 06 Some days, yes.
1:40:36 Speaker 04 That's okay. He loved me.
1:40:37 Caleb Hammer? He can love you and be embarrassed by you and you can love him and still hold him back in a way that is bad for him.
1:40:44 Caleb Hammer? You don't understand that that can happen at the same time. Buddy, I don't know what to put for your income.
1:40:51 Caleb Hammer? There's no way. Let's try to do some math real quick. Okay, minimum two payments outside of the mortgage is $3,715.98.
1:40:59 Caleb Hammer? Mortgage is $1,623.43. All utilities combined, including the internet, how much?
1:41:05 Speaker 06 That would be like 2,000, 3,000?
1:41:09 Caleb Hammer? What?
1:41:10 Speaker 06 What?
1:41:10 Speaker 04 Wait, oh, I thought you were everything.
1:41:12 Speaker 06 Utilities, including internet, how much is it? The internet's usually what, 150 or something?
1:41:19 Speaker 04 No, there is like 130 something. Utilities, 217. Plus, other utilities are about like 35 to 180 in the winter. Like 400?
1:41:32 Speaker 06 It's like 400.
1:41:33 Speaker 04 Yeah.
1:41:34 Caleb Hammer? Okay. Probably gas. Alright. Uh, phone bill?
1:41:39 Speaker 06 180?
1:41:42 Caleb Hammer? Switch to helium when your phones are paid off. If T-Mobile is good there, same towers, same service. Phone, uh, gas, vroom, vroom, drive, drive. Not including what's reimbursed because that is included in your income. So how much net gas?
1:41:55 Speaker 06 Uh, if we're not including my gas, then we, then whatever he spends.
1:42:00 Speaker 04 For me, eighty a month roughly.
1:42:01 Caleb Hammer? Car insurance, how much?
1:42:03 Speaker 04 Uh, it used to be cheap, but now-
1:42:04 Caleb Hammer? How much now for the household?
1:42:06 Speaker 04 Six hundred and twenty, six hundred and twenty-three dollars.
1:42:10 Caleb Hammer? Groceries, six hundred, TP fund, anything else you need to survive, toothpaste, all your good stuff, toilet paper, a hundred and fifty. Medical healthcare, are there copays?
1:42:17 Speaker 04 Um, I'm just paying for dental and that's three hundred left.
1:42:20 Caleb Hammer? That's a debt?
1:42:21 Speaker 04 To me, yeah.
1:42:23 Caleb Hammer? Did I have that debt?
1:42:24 Speaker 04 Yeah, I showed it to you, but you didn't look at it.
1:42:28 Speaker 06 He didn't send it, is what he's talking about.
1:42:30 Caleb Hammer? You didn't send it?
1:42:31 Speaker 04 Oh, I didn't send it, yeah, my bad.
1:42:31 Caleb Hammer? Dumbass. What's your minimum?
1:42:33 Speaker 04 Well, it was still low that-
1:42:34 Caleb Hammer? What is your minimum payment, you fuck?
1:42:37 Speaker 04 Um, thirty. I usually tend to pay more.
1:42:40 Caleb Hammer? All right, adding thirty to the minimum for debt.
1:42:43 Speaker 04 And then my Amazon-
1:42:45 Caleb Hammer? What? There's more?
1:42:46 Speaker 04 Yeah, my-
1:42:47 Caleb Hammer? Why didn't you just send your accounts, you asshole?
1:42:49 Speaker 04 Because they're so low and I-
1:42:50 Caleb Hammer? No, it doesn't matter, they are still balances, okay?
1:42:52 Speaker 04 Thirty dollars.
1:42:54 Caleb Hammer? Hundred twenty-eight dollars and eighty-seven cents with a new addition of twenty-nine dollars. Every dollar stretches here, you-
1:43:03 Caleb Hammer? Okay, so no copays. Okay, Jim, how much?
1:43:05 Speaker 06 Uh, he pays sixty dollars for his gym.
1:43:07 Speaker 04 And he gets it for free because he works there.
1:43:10 Caleb Hammer? Is that included in your pay?
1:43:12 Speaker 06 Uh-
1:43:12 Caleb Hammer? That you gave me?
1:43:13 Speaker 06 The pay that I gave you should be-
1:43:15 Caleb Hammer? Including that job too?
1:43:17 Speaker 04 Hmm, because it's on the hunting.
1:43:18 Speaker 06 No.
1:43:18 Caleb Hammer? Was it both jobs? How much do you make total a month, dude? What, hit your account?
1:43:21 Speaker 06 With the other job, it's about another thousand dollars.
1:43:24 Caleb Hammer? Okay, so four thousand, uh, six thousand two hundred from you.
1:43:28 Caleb Hammer? Oh, subscriptions, I'll try to do forty bucks. You have any pets?
1:43:32 Speaker 04 Yeah, two pets.
1:43:33 Caleb Hammer? How much or what?
1:43:34 Speaker 04 Um, we-
1:43:35 Speaker 06 We've got two dogs and a cat.
1:43:37 Caleb Hammer? Okay, and a cat. So a hundred and fifty dollars for pet insurance. How much for pet food?
1:43:40 Speaker 04 Uh, we don't pay for pet insurance.
1:43:42 Caleb Hammer? You are now, because you could not afford to keep them alive if something were to happen, you dumbass.
1:43:47 Speaker 04 I love them.
1:43:48 Caleb Hammer? Shut the fuck up. How much for your pet food?
1:43:50 Speaker 06 Paying, what, forty to sixty dollars a month?
1:43:52 Speaker 04 Forty a month, it's not that much.
1:43:54 Caleb Hammer? Of course you don't respect them, you dress up like one fucking freak. Oh my gosh.
1:44:01 Caleb Hammer? No, we love it. We support all kinks here at Hammer Media LLC. Woof. I don't know if we support all kinks. Listen, um, I think your income's like $3,000, huh? You can go back on your statement there. Oh, I can do anything I want. Are you kidding me? Say whatever I want, think whatever I want. You think I give a [bleep]? Fuck you. $9,250 we're calling the income.
1:44:25 Caleb Hammer? Trust me, I got my own degenerate kinks. Trust me. Oh, [bleep]. Oh, [bleep] creature. Here to share? I'll share them in the post-show, so if you want to hear my kinks, ladies and gentlemen. Yeah, I'm excited for that. You want to hear my kinks?
1:44:40 Caleb Hammer? Post-show. I will share, uh, two. I'll share my two favorite kinks. Okay, good. At least you gave me that. It's a Goony show, but it is a finance show.
1:44:53 Caleb Hammer? Okay, you need $7,721.41 to survive on a monthly basis. Insane. $3,750 of that is the minimum monthly debt payments. So, once those are gone, you guys are living high, like, really well.
1:45:06 Speaker 06 I think that's a lot of where we got into was that we got the house and then we were like, oh, we don't need to worry about things and we turned into that.
1:45:14 Caleb Hammer? Buy now, worry about it later.
1:45:16 Speaker 06 Yeah.
1:45:17 Caleb Hammer? All? Have fun. Let's see how much debt you have outside of the mortgage, because obviously we're not paying that off, really.
1:45:24 Speaker 06 It's like $100,000.
1:45:26 Caleb Hammer? Yeah, let's find out. Uh, no, it is more than that, my friend.
1:45:33 Caleb Hammer? $129,884 with the extra $1,500 you have left on a monthly basis. Shit.
1:45:43 Caleb Hammer? Eighty-six months to pay off.
1:45:48 Caleb Hammer? Seven years, basically. On minimum, though?
1:45:54 Caleb Hammer? Listen, we gotta get you a better job, making more money. If you do that, bring in an extra $1,000, $2,000 hours a month, and we throw it towards debt, this gets paid off in a few years, and that, that works. If we can't, for whatever reason, if we can't, um, and I don't know how long you're gonna be able to sustain 20 hours a day, like, what the [bleep]? What are we doing? That's crazy. If you can change your behavior for a few months, I'll allow you to go through bankruptcy alone, wipe out all these minimum payments and then we can take care of all the debt outside of the card, card minimum payments. We take care of the vehicles. You take care of everything else. I'd be okay with that. That's kind of where we're landing.
1:46:29 Speaker 04 Don't want to go into bankruptcy though.
1:46:30 Caleb Hammer? Quiet. That's kind of where we're landing is we're either you need to bring in more money or you're doing bankruptcy or consolidation, but probably bankruptcy because it'll be on your record as long as paying off all this debt would be anyway, but it's a lot less stress. Still stress and not cheap, but bankruptcy of the credit cards and we pay off our cards and everything else and the time shares as quick as you can and hopefully sell that eventually, but I think that's our path. Okay, we might look at his resume in the audit. I'll give my, in the post show, I'll give my kinks and I will, we'll, we'll go into more shit. The post show is always crazy, so make sure you hit that join button. Doing the number one membership on YouTube Hammer Elite, three premium shows posted every single day, six days a week now. We upgraded it to give you more value, premium shows. It's incredible. It is not
1:47:14 Caleb Hammer? uh, quantity over quality. We deliver the quality and the quantity. So don't worry. It doesn't have to be either or. It is incredible. Check it out right now. I'll see you there. Okay. Well, your resume is two pages. That's stupid.
1:47:27 Speaker 04 That's short.
1:47:27 Caleb Hammer? You need to stop. You need to stop having opinions.
1:47:32 Caleb Hammer? No.
1:47:34 Speaker 05 Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer.
1:47:46 Speaker 05 See description for more details.
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Previous I Might Get Banned For This | Financial Audit Next The $770,000 Boob Job | Financial Audit Page updated October 31, 2026 · transcript and summary are machine-generated