$500,000 In Debt To Be Failed OF Model | Financial Audit

🍿 woooowwwwww now she's borrowing money from her dad to pay her own mortgage... this is just so gross. It's exposed in the post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $350 when you open a Chime® Checking account, and earn up to 3.75% APY on your savings: chime.com/calebhammer 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 10:19 DAAAMN 23:00 but wait, theres more! 35:40 wtf 52:20 again.. wtf 01:04:36 to lesbian or not lesbian 01:21:36 they always owe money to the IRS ___________________________________________ ▶More Content 🍿🎥📺🎞️🎬 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  Now streaming on Paramount Plus. I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for that. He's back. I'm older. I'm wiser. And sharper than ever. Things are gonna get messy. But if I can't believe in myself, I can't believe in anything. Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 0:30Speaker 01

  Hey Spotify listeners. When you travel with American Airlines, you'll enjoy comfort and convenience at every altitude. Before takeoff, unwind in the Admirals Club Lounge with curated self-serve offerings of hearty bites and refreshments. In flight, stay connected with high-speed Wi-Fi. Sponsored by AT&T. Your journey is designed to feel easy from the moment you check in to the moment you arrive. No matter where you're going, American gets you there. Book now at aa.com.

• 0:56Caleb Hammer?

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

• 0:59Speaker 03

  I prayed about it. And then, as I was going to sleep, I heard a voice. And I said, "Let me just try only [BLEEP]."

• 1:06Caleb Hammer?

  Okay, I'm being told you made $200,000 in six months. Where the [BLEEP] did that go?

• 1:09Speaker 03

  I purchased my mom [BLEEP].

• 1:11Caleb Hammer?

  How much? How much possibly?

• 1:16Caleb Hammer?

  The tools to change your life have just been upgraded. Download my budgeting app, rebranded to Dollar Wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else, and I'll personally sign it and mail it directly to you. Download the Dollar Wise budgeting app today and take advantage of your free trial.

• 1:37Speaker 03

  Hi, my name is Monica. I'm 25 years old from St. Pete, Florida. And this is Financial Audit.

• 1:45Caleb Hammer?

  St. Pete, Florida?

• 1:46Speaker 03

  Yes.

• 1:47Caleb Hammer?

  Very cool. Thanks for coming over to Austin. What do you do for a living there?

• 1:51Speaker 03

  I am a registered dietitian.

• 1:52Caleb Hammer?

  Cool. Can you help me not be fat?

• 1:55Speaker 03

  Sure. Absolutely.

• 1:57Caleb Hammer?

  Advice number one?

• 1:58Speaker 03

  It's all about what you can add, not what you can take away. So, everyone's always...

• 2:02Caleb Hammer?

  I can add a lot of McDonald's.

• 2:04Speaker 03

  The right foods. We'll talk about it. Later date. I don't think this is the time.

• 2:09Caleb Hammer?

  My show.

• 2:13Caleb Hammer?

  Cool. What are you making in this job?

• 2:15Speaker 03

  I make $6,000 a month.

• 2:18Caleb Hammer?

  St. Petersburg, St. Petersburg. Okay. I don't know as much. Florida is one of the more expensive states. St. Petersburg, I don't really know as much.

• 2:26Speaker 03

  It's 6% above the national average for income, as far as like-

• 2:30Caleb Hammer?

  What is it? St. Petersburg or you?

• 2:31Speaker 03

  No, St. Pete.

• 2:32Caleb Hammer?

  And 6,000 hits your account on a monthly basis?

• 2:35Speaker 03

  Mm-hmm.

• 2:35Caleb Hammer?

  Good. How are you living off the 6,000? How are things going?

• 2:40Speaker 03

  Uh, it's going good enough right now. So...

• 2:49Speaker 03

  I... I have a lot of debt, clearly.

• 2:52Caleb Hammer?

  Sure.

• 2:53Speaker 03

  So I need to figure out how I can-

• 2:56Caleb Hammer?

  Why have you not to put your debt on a diet?

• 2:59Speaker 03

  I have.

• 2:59Caleb Hammer?

  Or your spending or your life, have you?

• 3:02Speaker 03

  Uh-

• 3:02Caleb Hammer?

  It's what everyone says.

• 3:03Speaker 03

  Very recently, very recently. I will say, I didn't pay attention until probably a month ago.

• 3:10Caleb Hammer?

  Till a month ago? What happened a month ago?

• 3:12Speaker 03

  I started watching your show.

• 3:14Caleb Hammer?

  Okay.

• 3:16Speaker 03

  I had never, um, seen my bank's, my credit card statements before.

• 3:20Caleb Hammer?

  You never looked at anything?

• 3:22Speaker 03

  Nope.

• 3:23Caleb Hammer?

  Why?

• 3:24Speaker 03

  Cause I felt like I never had to, because I was making enough money to where I was just consistently saving.

• 3:31Caleb Hammer?

  6,000? I was making a ton of money? Which, I mean, that's good.

• 3:35Speaker 03

  I was making a lot more money before that.

• 3:37Caleb Hammer?

  What was your job?

• 3:38Speaker 03

  I was a social media content creator since 2020. So I made a good chunk of money from that.

• 3:46Caleb Hammer?

  Since 2020? What are you making?

• 3:49Speaker 03

  I was making...

• 3:52Speaker 03

  Uh, it started in 2024. It was like-

• 3:56Caleb Hammer?

  No, you said 2020.

• 3:57Speaker 03

  So 2020, I started on social media. By 2021, I was making 50K, which is like-

• 4:02Caleb Hammer?

  50K a year? Doing what?

• 4:06Speaker 03

  Brand deals, selling personal training.

• 4:08Caleb Hammer?

  Your content was brand deals?

• 4:10Speaker 03

  No, I was a health and wellness influencer on TikTok. So you know how-

• 4:15Caleb Hammer?

  You look healthy.

• 4:15Speaker 03

  Thank you. Back in 2020, all the big trendy TikTok dances were a thing. So I was like, doing the dances and putting information, like healthy lifestyle tips on the screen, and that-

• 4:26Caleb Hammer?

  Don't eat greasy food. Followed by a TikTok dance?

• 4:31Speaker 03

  Yep.

• 4:31Caleb Hammer?

  Okay, but you said you were making more than this.

• 4:34Speaker 03

  And then 2022, it kind of crept up, 75K, 2023 was like 90K.

• 4:39Caleb Hammer?

  You were doing well.

• 4:40Speaker 03

  Yeah.

• 4:41Caleb Hammer?

  What were your views? Do you still have this?

• 4:43Speaker 03

  I do, but I don't really, I just started posting on it again. I went on a huge hiatus.

• 4:47Caleb Hammer?

  Why?

• 4:48Speaker 03

  Because I just didn't want to anymore.

• 4:51Caleb Hammer?

  You were making a living off of it.

• 4:53Speaker 03

  The algorithm.

• 4:55Caleb Hammer?

  No.

• 4:56Speaker 03

  Changed.

• 4:56Caleb Hammer?

  No. People's interest changed.

• 4:59Speaker 03

  And that.

• 4:59Caleb Hammer?

  The algorithm is literally only serving people what they want to keep them on the platform.

• 5:03Speaker 03

  That's true.

• 5:04Caleb Hammer?

  If you are failing, it's not the algorithm's fault. Sometimes there can be a quick bug.

• 5:09Speaker 03

  Yeah.

• 5:09Caleb Hammer?

  But that corrects itself typically because they want to keep people on the platform.

• 5:13Speaker 03

  Yeah, my audience.

• 5:15Caleb Hammer?

  Yeah, maybe if you're still doing health tips with TikTok dances in 2025, it probably doesn't work.

• 5:21Speaker 03

  No.

• 5:22Caleb Hammer?

  Was 90,000 your cap then? Because again, I mean, you're kind of in that world gross, right?

• 5:28Speaker 03

  Yeah, it was 90K in 2023 and then 2024, it bumped up to like 225, 250,000.

• 5:38Caleb Hammer?

  What was different?

• 5:39Speaker 03

  I.

• 5:39Caleb Hammer?

  It's crazy.

• 5:40Speaker 03

  Yeah. So TikTok was the original place I started making money from brand deals and views.

• 5:46Caleb Hammer?

  I'll tell you that.

• 5:47Speaker 03

  Right.

• 5:47Caleb Hammer?

  TikTok doesn't pay.

• 5:49Speaker 03

  Yeah, the most, it was like 250 in a month from that. So it was mostly brand deals. It was mostly because I was a personal trainer and I was selling online personal training services.

• 5:58Caleb Hammer?

  Okay.

• 5:58Speaker 03

  And then through that, management reached out to me, some management company.

• 6:04Caleb Hammer?

  Oh, okay, an agency?

• 6:06Speaker 03

  Yes.

• 6:06Caleb Hammer?

  Sure.

• 6:07Speaker 03

  And they ended up getting me a verified badge on Snapchat as like a public creator there. And that's where I started making the most money was actually Snapchat. So I started that in about 2022.

• 6:24Caleb Hammer?

  Yeah, it was the same thing? Just health, health, health?

• 6:26Speaker 03

  No, because my audience on TikTok was 94% female. So I catered to them with the health and wellness piece. My audience on Snapchat was 94% male.

• 6:41Speaker 03

  So I posted selfies. I posted gym photos. And I got a lot of views and I didn't know what to do with it. They started paying me ad cents in about 2023.

• 6:56Caleb Hammer?

  What do you mean you didn't know what to do with it? It was just gym photos.

• 6:59Speaker 03

  Right. So it's like, how do I, how do I market that?

• 7:02Caleb Hammer?

  Did you not go further?

• 7:03Speaker 03

  I ended up going further.

• 7:05Caleb Hammer?

  Ah, okay. See, that's what I felt like this was leading to.

• 7:09Speaker 03

  Yeah.

• 7:09Caleb Hammer?

  Where'd it go?

• 7:10Speaker 03

  So it started off as women commenting under my Snapchat photos saying 400 for post, 300 for post. It means they wanted me to promote their private Snapchat or Only accounts on my page.

• 7:25Caleb Hammer?

  Okay.

• 7:26Speaker 03

  So I started accepting that because the photos they would send me would just be them in like jeans and a crop top. So I, for about three weeks, started posting their stuff and I was making like an extra 1,200 bucks a week. So then I found out that that's against Snapchat's community guidelines. And I was doing purely white. Have you heard of those teeth whitening ads? Purely white deluxe.

• 7:52Caleb Hammer?

  No.

• 7:53Speaker 03

  They like ended up hiring me once a week to post teeth whitening ads. So I was doing teeth whitening ads on Snapchat every week, twice a week. And I was getting a base salary of $500 a week, sometimes up to 2,000, depending on when it was like a holiday season.

• 8:08Caleb Hammer?

  Okay.

• 8:09Speaker 03

  So it started that way. It started, you know, I was dabbling and then all of a sudden I noticed that men were commenting that they would pay me. I put my Venmo in my bio. I started getting Venmos. And then I added a couple select individuals onto my Snapchat and I started selling photos. No nudity.

• 8:31Caleb Hammer?

  This is a load of barnacles. No nudity?

• 8:35Speaker 03

  Nope.

• 8:35Caleb Hammer?

  Lutidy.

• 8:36Speaker 03

  Lutidy.

• 8:37Caleb Hammer?

  Well, lutidy gets close.

• 8:39Speaker 03

  Yeah, but.

• 8:40Caleb Hammer?

  But how much did they spend on that?

• 8:43Speaker 03

  Anywhere from a hundred dollars a photo to like 500 dollars a photo and it would just be like bra.

• 8:48Caleb Hammer?

  How many photos?

• 8:49Speaker 03

  Sometimes one to five.

• 8:51Caleb Hammer?

  Okay. What were you making off this?

• 8:54Speaker 03

  Oh, I don't know. Every week.

• 8:56Caleb Hammer?

  So you never went the, the online. You never went to Booby Booty Booty Booty?

• 9:02Speaker 03

  So then.

• 9:03Caleb Hammer?

  Oh, it continues. Okay.

• 9:04Speaker 03

  Then I thought, okay, let me just try Only F***, but not nude.

• 9:10Caleb Hammer?

  Okay.

• 9:11Speaker 03

  So I still didn't. It, right. So I got up to, I made like $600 in two weeks and then I was just below the IRS, you know, tax. I didn't wanna have to.

• 9:22Caleb Hammer?

  Just below you being able to pay your bills was.

• 9:25Speaker 03

  Yeah.

• 9:25Caleb Hammer?

  That's not much.

• 9:26Speaker 03

  Right. I got off and then I went back on one more time, one more time, a year later. And I ended up spending, I ended up making like six, five or 6,000 in a couple of months. Yeah. No nudity.

• 9:40Caleb Hammer?

  Yeah. I mean, you're, uh, unless for, unless you're a very specific person, like the loons aren't gonna, it's not gonna be what takes you there.

• 9:47Speaker 03

  Right. But then.

• 9:49Caleb Hammer?

  Oh, it still goes. Please, please. Yes.

• 9:53Speaker 03

  End of 2023, very beginning of 2024, a company called Fanfix reached out to me.

• 10:00Caleb Hammer?

  Okay.

• 10:01Speaker 03

  And this platform is like a soft version of Only F***. You don't have to put nudity on there. They have the same guidelines as Instagram. So I couldn't do nudity anyway. So I thought, okay, this is a better way to market my content without people expecting more from me. So I went on there.

• 10:24Caleb Hammer?

  Expecting more is what endlessly gets them to keep giving. Okay, so yeah, go on.

• 10:30Speaker 03

  So I had managers on my Snapchat account who were posting for me every single day, to the point where they were just recycling old photos of me to keep me on trend. So I was getting in like 100,000 to a million story views a day. Good traction. So when I started this other subscription account, I set it at $10 and I started promoting it. And the thing is, similar to Only F***, you could tip the creator 5, 10, 15, however much you want to message with them privately.

• 11:07Speaker 03

  And I didn't want to do that.

• 11:08Caleb Hammer?

  So someone else did it for you?

• 11:09Speaker 03

  Yeah, so I ended up making fifty thousand dollars in my first month.

• 11:16Caleb Hammer?

  What the f- okay.

• 11:17Speaker 03

  And then sixty in my second.

• 11:19Caleb Hammer?

  From the chat?

• 11:20Speaker 03

  Yeah.

• 11:20Caleb Hammer?

  Mostly from the chat?

• 11:21Speaker 03

  I spent thirty minutes on there a day and I would post in the main feed and I would take like ten to twenty photos, videos. I also had a pole. So I was learning how to pole dance. So it was like online.

• 11:34Caleb Hammer?

  Oh, that, okay.

• 11:35Speaker 03

  Yeah, but not like.

• 11:37Caleb Hammer?

  No hole?

• 11:38Speaker 03

  No.

• 11:39Caleb Hammer?

  Okay.

• 11:39Speaker 03

  No nipple, no nothing.

• 11:41Caleb Hammer?

  Uh huh.

• 11:42Speaker 03

  But I would, you know, I bought a bunch of lingerie.

• 11:44Caleb Hammer?

  But it was close, yeah.

• 11:45Speaker 03

  It was close enough and I would send my managers extra photos and they would go into the chat and bait people for money.

• 11:57Caleb Hammer?

  So how many months did you make this much?

• 11:59Speaker 03

  I started with fifty, sixty, and then it leveled out at twenty a month.

• 12:03Caleb Hammer?

  That's not bad at all. That is, the two hundred fifty thousand dollars a year is not something to complain about.

• 12:07Speaker 03

  Definitely not. I stopped that.

• 12:10Caleb Hammer?

  For why? Was it the objectification? Was it, like, what was it? Like?

• 12:16Speaker 03

  Just feeling like it was very wrong.

• 12:19Caleb Hammer?

  Why?

• 12:20Speaker 03

  Cause I felt scammy. I felt like I was, I didn't want to sell that.

• 12:25Caleb Hammer?

  Is it the sexual part?

• 12:27Speaker 03

  Yeah, it was the sexual part. It was just the general morality.

• 12:31Caleb Hammer?

  You're in that life. Okay, you went full Christian good girl. Okay.

• 12:33Speaker 03

  Yeah.

• 12:34Caleb Hammer?

  Okay.

• 12:35Speaker 03

  So my managers were not happy.

• 12:37Caleb Hammer?

  Did you just say you started social media up again, though?

• 12:39Speaker 03

  Yeah.

• 12:39Caleb Hammer?

  Don't you think that's where it's gonna end up? I mean, for, not that all women end up there, but that is a very common trend today. Unless you have a very specific type of content that you're doing, of which I don't think you.

• 12:50Speaker 03

  So I deleted my Snapchat. I had four hundred and twenty thousand subscribers on there.

• 12:54Caleb Hammer?

  You don't have to go to the extreme.

• 12:56Speaker 03

  I, I know, but it served no purpose. It had no value.

• 13:00Caleb Hammer?

  Okay, I'm being told you made two hundred thousand dollars in six months. Where the f- did that go?

• 13:03Speaker 03

  So I paid my managers fifteen percent.

• 13:07Caleb Hammer?

  Well, that's fine and that's normal.

• 13:10Speaker 03

  I traveled a lot. I bought-

• 13:13Caleb Hammer?

  What was this? How old were you?

• 13:14Speaker 03

  Twenty-four.

• 13:15Caleb Hammer?

  So last year?

• 13:16Speaker 03

  Yeah. Yep. So I traveled. I went, not internationally. I just flew domestic. I was pretty frugal on my travels. However, I purchased my mom a house.

• 13:30Caleb Hammer?

  You bought your mom a house?

• 13:32Speaker 03

  Yeah.

• 13:33Caleb Hammer?

  How much? How much possibly?

• 13:37Speaker 03

  Down payment was seventy K. So a lot of that went to that and then not really clothing so much. I just, that's it. I just lived and didn't really think about it because I figured that would last. And then I realized-

• 13:53Caleb Hammer?

  But you stopped. It may have.

• 13:55Speaker 03

  It would have lasted at least a while. I could have done probably something differently, but I mean, it is what it is.

• 14:04Caleb Hammer?

  It is what it is.

• 14:05Speaker 04

  It is what it is.

• 14:08Caleb Hammer?

  May I objectify you for a second? Do I have consent to objectify you?

• 14:11Speaker 03

  Sure.

• 14:12Caleb Hammer?

  You're hot. They're substantial. She's very cute. Like, she could make money. I'm not saying if you don't want to or it's against your morality, do it. Like, I'm vibing with whatever you want to do. In fact, I would say, you know, probably don't because it is a little online [BLEEP]. Like, it's not great and it gets parasocial and some people have been in danger. We don't like that. However, you could-

• 14:32Speaker 03

  I could.

• 14:33Caleb Hammer?

  And now you're starting social media back up again. What the [BLEEP] is your plan here? Because you're in a normal [BLEEP] job now.

• 14:39Speaker 03

  Yep, I'm in a normal job and it's sustainable and it's stable and I love it. I've never had a real job like this, like-

• 14:46Caleb Hammer?

  But you're starting online again. That's sketch. Pull up your online. Pull up your online. Not any of the naughty naughties.

• 14:52Speaker 03

  It's just my TikTok.

• 14:54Caleb Hammer?

  That's for the post-show. You're a stressed person? You got picking on the fingers. I do that as well. I do it from stress.

• 15:00Speaker 03

  I, yeah.

• 15:02Caleb Hammer?

  It's not good.

• 15:02Speaker 03

  Really bad.

• 15:03Caleb Hammer?

  Not healthy.

• 15:03Speaker 03

  Really bad OCD.

• 15:05Caleb Hammer?

  Yeah. Okay, here we go. Yeah, I mean, this is substantial. Again, we don't allow people to plug things, so you guys won't know what this is. I will screen record and we'll put it in here, but we'll blur out the name. Okay, but she has almost 600,000 followers. This is not bad. Let's see, pinned comment about to eat.

• 15:27Speaker 03

  That was just random.

• 15:30Speaker 03

  I didn't, most recent-

• 15:31Caleb Hammer?

  You look better in person than you do in that video.

• 15:34Speaker 03

  Thank you.

• 15:34Caleb Hammer?

  Oh, Jesus is King. She did go full Christian Christian. I called that.

• 15:38Speaker 03

  Yeah.

• 15:39Caleb Hammer?

  Well done. So from tits online to Christian Christian.

• 15:43Speaker 03

  And the content that I'm posting now on TikTok is going through case studies of my clients that I see.

• 15:47Caleb Hammer?

  I was gonna say, the content you posted on TikTok three days ago got 618 views.

• 15:52Speaker 03

  Right.

• 15:53Caleb Hammer?

  Okay, we're not really going there.

• 15:55Speaker 03

  Yeah, I'm not banking.

• 15:56Caleb Hammer?

  Day in the life.

• 15:58Speaker 01

  Hey Spotify listeners, when you travel with American Airlines, you'll enjoy comfort and convenience at every altitude. Before takeoff, unwind in the Admirals Club Lounge with curated self-serve offerings of hearty bites and refreshments. In flight, stay connected with high-speed Wi-Fi. Sponsored by AT&T. Your journey is designed to feel easy from the moment you check in to the moment you arrive. No matter where you're going, American gets you there. Book now at aa.com.

• 16:25Caleb Hammer?

  Symptom-free period?

• 16:26Speaker 03

  Yeah, so I went from endometriosis to symptom-free periods as part of my story, so.

• 16:32Caleb Hammer?

  Huh?

• 16:33Speaker 03

  Yeah.

• 16:33Caleb Hammer?

  What's endometrios?

• 16:34Speaker 03

  Endometriosis is the scar tissue that can build up inflammation around the uterus and causes like really bad painful periods for women.

• 16:43Caleb Hammer?

  Why are you doing that?

• 16:44Speaker 03

  I don't anymore.

• 16:45Caleb Hammer?

  Oh, good job.

• 16:46Speaker 03

  Yeah, but I specialize in helping women with their hormone health.

• 16:50Caleb Hammer?

  Like removed?

• 16:51Speaker 03

  No.

• 16:51Caleb Hammer?

  This is not, I do not have a [bleep]. I'm not.

• 16:53Speaker 03

  No.

• 16:54Caleb Hammer?

  I have an [bleep] hole.

• 16:55Speaker 03

  Yeah, it's a little different.

• 16:57Caleb Hammer?

  I've had a skin tag thing there. It wants to hurt.

• 17:02Speaker 03

  Yeah, that's not good.

• 17:04Caleb Hammer?

  Not good. Can you help me with that?

• 17:06Speaker 03

  Potentially.

• 17:08Caleb Hammer?

  Posture.

• 17:08Speaker 03

  Yeah, 99% of my clients are female and they're usually struggling with some sort of hormonal imbalances. So that's what I work with. And I have my personal experience because I regulated my nervous system and now I don't deal with that.

• 17:23Caleb Hammer?

  The hat goes a long way.

• 17:26Speaker 03

  Appreciate it. Yeah, the forehead.

• 17:28Caleb Hammer?

  Oh, not the forehead. It just balances you out.

• 17:31Speaker 03

  Oh, thanks.

• 17:33Caleb Hammer?

  Yeah, you're a hat girl.

• 17:36Speaker 03

  I like my bucket hats preferably. Is that like a thing in Texas? Do people wear bucket hats? Am I gonna be?

• 17:42Caleb Hammer?

  It's whatever you wanna be.

• 17:44Speaker 03

  Alright.

• 17:44Caleb Hammer?

  It's whatever. See, you're still doing a little teasy. This is a little, you know, cuz dudes will, dudes will go for that.

• 17:50Speaker 03

  Yeah.

• 17:51Caleb Hammer?

  It's all about periods and I don't think, um, here's the thing. Unfortunately, no one gives a [BLEEP] because you're not getting views.

• 17:57Speaker 03

  I'm just hoping that something, like just keeping stuff active. I never know what can happen in the future with it, so.

• 18:06Caleb Hammer?

  Ooh, the dyed hair.

• 18:08Speaker 03

  Yeah, I did that for five and a half years. That's kinda how my TikTok blew up. Because I had blue hair. Yeah, for a really long time. This is recent. I know, okay. Hey.

• 18:21Caleb Hammer?

  Is that natural?

• 18:22Speaker 03

  This is natural, yes.

• 18:24Caleb Hammer?

  That's natural.

• 18:24Speaker 03

  I did like it. I really enjoyed it. I was a hair model, so I got paid a couple of times a year to model at hair shows.

• 18:31Caleb Hammer?

  Oh, see, here, this is back on the tease.

• 18:34Speaker 03

  That was a while ago.

• 18:37Caleb Hammer?

  Yeah.

• 18:38Speaker 03

  Yeah.

• 18:38Caleb Hammer?

  And that's what dudes are, so we're not trying to sell, cuz this is on the tease as well. Like, what's the content we're trying to do?

• 18:45Speaker 03

  I'm

• 18:46Caleb Hammer?

  Okay.

• 18:47Speaker 03

  just trying to cater towards my ladies at this point.

• 18:49Caleb Hammer?

  But are we trying to make a career after it? Cuz that, that, that's what I'm trying to figure out.

• 18:53Speaker 03

  I have a career.

• 18:55Caleb Hammer?

  Okay, so we're not trying to career on this.

• 18:56Speaker 03

  No.

• 18:57Caleb Hammer?

  We want to do this. Good.

• 18:58Speaker 03

  This aside, if, I got paid $10 from TikTok in the past month for starting back up.

• 19:05Caleb Hammer?

  Well done.

• 19:06Speaker 03

  Thanks.

• 19:06Caleb Hammer?

  Well done.

• 19:07Speaker 03

  10 bucks.

• 19:08Caleb Hammer?

  Well done.

• 19:08Speaker 03

  Yeah.

• 19:09Caleb Hammer?

  I'm being told, I guess your mom's house is this first one, so you put $70,000 down, but did you take out the mortgage or did she?

• 19:16Speaker 03

  I did.

• 19:18Caleb Hammer?

  For your mom, you took out a mortgage?

• 19:20Speaker 03

  Yeah, she pays sometimes.

• 19:23Caleb Hammer?

  Sometimes?

• 19:24Speaker 03

  Yeah.

• 19:24Caleb Hammer?

  What is sometimes?

• 19:26Speaker 03

  Um, she was, and then

• 19:27Caleb Hammer?

  I love the heart of it.

• 19:29Speaker 03

  I know.

• 19:29Caleb Hammer?

  One of my goals is to pay off my parents' mortgage, so I mean, I get it, but like, what the [BLEEP]?

• 19:33Speaker 03

  2024, May 2024, I bought it. She paid June, July, August,

• 19:38Caleb Hammer?

  It's a year ago.

• 19:39Speaker 03

  September, and then we got hit by hurricanes, two hurricanes back to back.

• 19:44Caleb Hammer?

  Last year, okay, I was gonna say, cuz nothing's really happened this year.

• 19:46Speaker 03

  Yeah, last year, and she's a full-time DJ. So she lost all of her gigs for about two months.

• 19:53Caleb Hammer?

  What the [BLEEP]?

• 19:54Speaker 03

  Yeah.

• 19:55Caleb Hammer?

  You're a part, a part, a full-time DJ, not reliable income and you're getting a mortgage under your name with the expectation of her paying for it? I can see what would go wrong.

• 20:06Speaker 03

  Yep.

• 20:06Caleb Hammer?

  What does she bring in normally when she has her equipment not destroyed by Helena or whatever the [bleep] it last year?

• 20:13Speaker 03

  Four to 5,000 a month.

• 20:18Caleb Hammer?

  No, this is a monthly payment of 2,421 dollars. That's insane. That's half her income. Why would you do that to yourself? Why would you do that to yourself?

• 20:29Speaker 03

  I just, okay, okay. This was, this was my thought process. She called me one day and she said, hey, I'm moving from my rental and I am gonna try and save money, so I'm gonna move into a trailer park. And I have a 17-year-old sister. And I said, over my dead body, you're gonna move her into a trailer park?

• 20:49Caleb Hammer?

  But it's one year, right?

• 20:50Speaker 03

  Two years. Back then, yeah, she was 16, so she's, she was like a sophomore. So my mom, I didn't want her to go that route because it's not-

• 20:59Caleb Hammer?

  And the only option was instead of maybe covering her rent for a year because you thought you were making an infinite amount of money forever, is to get into a 30-year mortgage?

• 21:07Speaker 03

  Yes.

• 21:08Caleb Hammer?

  And by the way, an 8% interest rate is [bleep].

• 21:11Speaker 03

  Because-

• 21:12Caleb Hammer?

  That's not even a race, where?

• 21:13Speaker 03

  Yeah, so it's an A-frame and it's really cute. And she said, when my-

• 21:19Caleb Hammer?

  I don't even know what the, why do we-

• 21:20Speaker 03

  When my sister is out of school, we're gonna turn it into an Airbnb or a rental-

• 21:24Caleb Hammer?

  Oh, good luck.

• 21:25Speaker 03

  And we have a good amount of land to host-

• 21:26Caleb Hammer?

  Good luck, Airbnb market?

• 21:29Caleb Hammer?

  Yeah, you're in Florida, but guess what, tourism market?

• 21:33Speaker 03

  I disagree.

• 21:34Caleb Hammer?

  You disagree, however, metrics do not. Tourism to the United States has fallen substantially this year. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, YRefi is here to help. Unlike traditional lenders, YRefi focuses on your desire and ability to repay, not just your credit score. With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments. And YRefi also provides a co-center release program, giving you and your family peace of mind. Their dedicated representatives walk you through each step and- Ensuring you feel supported and informed throughout the process. Thousands of clients have experienced relief and Y Refi's 4.6 star rating on Google speaks to their service and guidance that they provide. This is more than just refinancing.

• 22:17Caleb Hammer?

  It's a chance to regain control of your financial future. If you're ready to work toward a more manageable student loan payment, visit yrefy.com. Discover how their tailored approach can reduce your stress, lower your interest and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to Y R E F Y dot com, that is yrefy.com, or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight and see how they can help you move forward with confidence.

• 22:46Speaker 03

  It's a really cute rental.

• 22:48Caleb Hammer?

  Is it on the beach?

• 22:50Speaker 03

  It's less than a mile from the beach. And it's right, it's like a mile from downtown.

• 22:56Caleb Hammer?

  There.

• 22:57Speaker 03

  It's.

• 22:58Caleb Hammer?

  But it's also St. Peter's.

• 23:00Speaker 03

  It's so that one is in Tarpon Springs.

• 23:03Caleb Hammer?

  Is that where we go? Do we go to Tarpon Springs?

• 23:05Speaker 03

  It's a really old Greek city and it's super quaint for like married couples.

• 23:09Caleb Hammer?

  I'm getting a thumbs up.

• 23:10Speaker 03

  Yeah, it's cute.

• 23:12Caleb Hammer?

  Well done. Yeah, you got an eight percent rate on this house. And I mean, you've kind of suggested that she hasn't paid since last.

• 23:20Speaker 03

  She's paid. She paid back, so we both got a forbearance. So I got a forbearance on both properties.

• 23:29Caleb Hammer?

  Both property, you own a house.

• 23:32Speaker 03

  Oh, yeah. Yeah, I do. So.

• 23:34Caleb Hammer?

  Why did I have a note you're considering moving to Texas if you have two houses there?

• 23:38Speaker 03

  That's also a, yeah, that's a lot to get into.

• 23:41Caleb Hammer?

  But also your job.

• 23:43Speaker 03

  I work remote.

• 23:45Caleb Hammer?

  You have a house, but when did you get this house, this other house?

• 23:48Speaker 03

  Uh, 2023.

• 23:50Caleb Hammer?

  Um, so that was, that was before boobies?

• 23:52Speaker 03

  Yes. That was based off of just brand deals, social media, you know?

• 23:59Speaker 03

  So I was doing pretty well. And then I got a lot of money and I spent it really fast.

• 24:06Caleb Hammer?

  It's all gone. It has to be.

• 24:08Speaker 03

  It's all gone.

• 24:08Caleb Hammer?

  Cause there's no way on the show unless you have substantial debt. Okay.

• 24:13Speaker 03

  So she paid up until, well, like, we took out the forbearance, then she was behind, but then she ended up reconciling that in the springtime. She was ahead, she was, or she was on time. And then July, August, September, she did not pay.

• 24:30Caleb Hammer?

  This year?

• 24:31Speaker 03

  This year. And the-

• 24:33Caleb Hammer?

  And now what? Now what?

• 24:35Speaker 03

  The only reason I was able to reconcile July, August was because my grandmother sold her house for cash and she gifted me, yeah.

• 24:46Caleb Hammer?

  Why?

• 24:47Speaker 03

  I didn't have the money, my mom didn't either.

• 24:49Caleb Hammer?

  Well, why'd your grandma gift her own money? She gifted you the payments for the mortgage?

• 24:53Speaker 03

  Yeah, Ju- July, August.

• 24:55Caleb Hammer?

  Are you gonna sell, why are you moving to Texas?

• 24:57Speaker 03

  So it's a lower cost of living and I also, um, I said a prayer and I said, "God, I'll go wherever you want me to go." And he pointed Fort Worth out to me and I just, i- it's a whole thing. So I have a tenant renting out.

• 25:13Caleb Hammer?

  Fort Worth?

• 25:14Speaker 03

  Yeah. I don't know what's in Fort Worth.

• 25:17Caleb Hammer?

  The rodeo and...

• 25:19Speaker 03

  Yeah, it seems nice.

• 25:20Caleb Hammer?

  That's a, I don't know, drivable infrastructure?

• 25:23Speaker 03

  Yeah. So I'm-

• 25:25Caleb Hammer?

  And that's a-

• 25:26Speaker 03

  So I have two properties, I'm a little bit, it feels drowning, yeah, very much.

• 25:32Caleb Hammer?

  Well, I think Brandon from Fort Worth, the translator of the show, you know him, was quite interested until he heard all the Christian prayer stuff because dude needs to stick it in in order for him to-

• 25:40Speaker 03

  Oh, boy. Yeah, that's a deal breaker.

• 25:42Caleb Hammer?

  Continue it. Yeah, sticking it in?

• 25:44Speaker 03

  Yeah, it's a deal breaker for me.

• 25:46Caleb Hammer?

  Wait till marriage?

• 25:47Speaker 03

  Yes.

• 25:50Caleb Hammer?

  You too.

• 25:54Caleb Hammer?

  Okay.

• 25:55Speaker 03

  Okay.

• 25:55Caleb Hammer?

  Good luck, guys. We'll send you on a vlog date after this.

• 25:59Speaker 03

  Great.

• 25:59Caleb Hammer?

  Well done. Maybe if you're lucky, Brandon, by the third date, you'll get a handheld.

• 26:04Speaker 03

  Maybe.

• 26:06Caleb Hammer?

  It's so interesting because you literally were posting, like, it had to be like, a half an inch away from full hole exposure in Areola.

• 26:15Speaker 03

  I didn't even do like really provocative-

• 26:18Caleb Hammer?

  Okay.

• 26:19Speaker 03

  -poses or anything.

• 26:20Caleb Hammer?

  Um, okay, um-

• 26:23Caleb Hammer?

  And then Mom's house, we still wanna keep it?

• 26:25Speaker 03

  Trying, yeah.

• 26:27Caleb Hammer?

  Sure. Uh, with Mom staying in there? So you said move out once... Where are you gonna... Where's she apparently supposed to go post, uh, sister moving out?

• 26:38Speaker 03

  That we don't know. I think she wants to buy a van and do van life.

• 26:43Caleb Hammer?

  The [__] is wrong with your mom? She sounds so weird. For an older person.

• 26:47Speaker 03

  Yeah, um...

• 26:48Caleb Hammer?

  Like, if it was you...

• 26:50Speaker 03

  It's, yeah...

• 26:51Caleb Hammer?

  What are you showing me?

• 26:52Speaker 03

  Like, the, the skin issues is from... You know, we have an interesting dynamic. So like, I'm pretty much the mom, and she's pretty much... Yeah, so when you hear us on the phone talking, you'd be like, "I don't know who's who." Kind of. I give a lot of advice. I try not to lecture her, cuz then she gets really mad.

• 27:12Caleb Hammer?

  Well, yeah, I don't think parents like that from kids.

• 27:15Speaker 03

  Yeah.

• 27:15Caleb Hammer?

  Specifically...

• 27:19Caleb Hammer?

  I guess we'll look at the grandma's house first, and then we'll get into these other statements. Not grandma's, Mom's house. And then we have a lot of credit cards to go through. Uh, but 6,000 hours is what comes in. Yeah, I would say if you have to make a $2,500 payment on one house, and then you have another house as well, and we're trying to move... When are you moving to Fort Worth? Bye.

• 27:36Speaker 03

  Uh, September 27th. I'm driving out here.

• 27:38Caleb Hammer?

  It's official?

• 27:39Speaker 03

  Yeah.

• 27:40Caleb Hammer?

  Wait, we're in September?

• 27:42Speaker 03

  I have a place.

• 27:43Caleb Hammer?

  This is in 10 days?

• 27:44Speaker 03

  Yes.

• 27:45Caleb Hammer?

  Wait, what the [__] Why?

• 27:46Speaker 03

  What do you... I'm, I'm flying back, and then I'm driving out here.

• 27:50Caleb Hammer?

  Why do you have to do this now?

• 27:51Speaker 03

  Because that's timeline.

• 27:53Caleb Hammer?

  No, you're...

• 27:55Speaker 03

  I have a tenant for my place, and I'm paying less.

• 27:58Caleb Hammer?

  You spend identical to what you make.

• 28:00Speaker 03

  Oh, yeah.

• 28:02Caleb Hammer?

  Well, actually, compared to payroll, you actually spend 500, uh, 3, 4, $400 more than you make.

• 28:08Speaker 03

  Yeah.

• 28:09Caleb Hammer?

  You have substantial debt, not mortgages. We're talking over $20,000. All that combined, we're talking almost $500,000. No, actually, no, cuz there is an additional Chase Ink card with 9,000, and then Wells Fargo 10,005. Wells Fargo Bank card, 1,500... How are you moving?

• 28:29Speaker 03

  Because I have a tenant who's taking over my mortgage. And I am moving into a place that's cheaper.

• 28:35Caleb Hammer?

  Hopefully, if there's no expenses that pop up, do you have a rental property management company?

• 28:39Speaker 03

  I don't, but my neighbor.

• 28:41Caleb Hammer?

  Oh, your neighbor? Your neighbor what?

• 28:44Speaker 03

  She's really reliable with stuff. If I need her over there in like two minutes.

• 28:49Caleb Hammer?

  Oh, you're.

• 28:49Speaker 03

  Yeah, so Fort Worth. My rent here is thirteen hundred. And my tenants are paying two thousand at my home. So I am going to be spending significantly less.

• 29:04Caleb Hammer?

  I just don't get it. Away from the beach, away from the traffic, away from the food.

• 29:07Speaker 03

  No, it's devastating. I love St. Pete.

• 29:10Caleb Hammer?

  Maybe your prayer was wrong and you needed a second one.

• 29:14Speaker 03

  Don't think so. The living situation I got here is pretty, pretty great.

• 29:18Caleb Hammer?

  Yes, because no one wants to live there. It's out of desperation.

• 29:22Speaker 03

  No, not at all.

• 29:24Caleb Hammer?

  Come on.

• 29:24Speaker 03

  Okay, but it was nice not having the finances to be able to go on Airbnb. So I found the place I'm staying on Airbnb. Host is a four bedroom. I do have three roommates. But they're all awesome, so I'm happy about it. I like being with people. I'm an extrovert. So?

• 29:46Caleb Hammer?

  New age Christian?

• 29:47Speaker 03

  No.

• 29:48Caleb Hammer?

  Oh.

• 29:49Speaker 03

  I love everybody.

• 29:51Caleb Hammer?

  But when they bring over a flap to flap with?

• 29:55Speaker 03

  Just because I don't agree with someone's lifestyle doesn't mean I'm gonna be.

• 29:59Caleb Hammer?

  There it is.

• 30:00Speaker 03

  Yeah.

• 30:01Caleb Hammer?

  Fire and rimstone.

• 30:02Speaker 03

  Ah. Are you trying to like classify the type of Christianity? Based on, okay.

• 30:11Caleb Hammer?

  No, I'm with you. But you're also gonna be living in a roommate situation, going from owning a house to living in a roommate situation.

• 30:18Speaker 03

  So.

• 30:19Caleb Hammer?

  Trust me, I fuck with everyone. I fuck with the Christians, I fuck with the gays, I fuck with the blacks, I fuck with the Mexicans, I fuck with everyone.

• 30:25Speaker 03

  I know, I know. So the cool thing is, the first six months of this year, I hosted workday volunteers in my house. So I was living with people anyways.

• 30:34Caleb Hammer?

  You say these people are great. How much do you know about them?

• 30:36Speaker 03

  I just met them. I really enjoy their company. We have similar values.

• 30:41Caleb Hammer?

  Three women?

• 30:42Speaker 03

  Yeah.

• 30:42Caleb Hammer?

  Three hardcore Christian women?

• 30:45Speaker 03

  Yeah.

• 30:46Caleb Hammer?

  Oh, Fort Worth, ladies and gentlemen.

• 30:48Speaker 03

  We get along. We've had sleepover parties already. Some friends have come over from one of the girls.

• 30:54Caleb Hammer?

  Christian women have on sleepover parties.

• 30:57Speaker 03

  Yes.

• 31:00Caleb Hammer?

  Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance, all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling, or you want to learn more, or you want to change your life in any way whatsoever,

• 31:45Caleb Hammer?

  like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go!

• 32:03Speaker 03

  They made cookies. That's about it. That's all we got.

• 32:07Caleb Hammer?

  Taste of the cookie.

• 32:09Speaker 03

  Oh my gosh, bro.

• 32:11Caleb Hammer?

  I would like to see.

• 32:14Speaker 03

  So, yes, it's a good situation. I'm happy with it. And I'm going to be spending less money out here than I would at home. Granted, I would love to.

• 32:22Caleb Hammer?

  I hope so. You'll be depressed in your car-infested infrastructure that the only thing you'll want to do is escape and go spend money. Or to see your house.

• 32:31Speaker 03

  There's trails, there's lakes. I just, I walk, I go, I watch the sunset, like relatively.

• 32:38Caleb Hammer?

  The sun always sets, no matter where you are.

• 32:40Speaker 03

  Yeah, so we're good. I got things to occupy me. It's fine. I'll be fine.

• 32:44Caleb Hammer?

  That happens once a day, by the way. And it's usually late.

• 32:47Speaker 03

  Yeah.

• 32:48Caleb Hammer?

  What do you think your finances are? Score zero to 10, zero being the worst, 10 being the best?

• 32:54Speaker 03

  Like a two, just because I have real estate?

• 32:59Caleb Hammer?

  You do have real estate. I don't know. Let's see if it's even good real estate, though. I mean, that's the big question. Okay, if you want to know where you stand in the world of finances, and if you should start an OF, go to CalebHammer.com, take the financial, the Hammer Financial Score Quiz. So where you stand, where you need to improve, where you need to do better. It is free, only takes a few minutes. And also, if you don't want to be like a guest who shows up on this show and has to start an OF to pay their bills, make sure you download the Dollar Wise Budgeting app. That's what this show is powered by. It is my preferred and favorite budgeting app. Take the free trial, and if you like it, sign up for the annual version to save a lot of money. And when you do, I'll sign my budget-friendly cookbook and mail it directly to you. And there's only a couple of months of that left, and then they're gonna go away forever.

• 33:42Caleb Hammer?

  DollarWise.com to learn more. Alright, so again, yeah, this is Mom House. So let's write down the debt, because this is a situation. I'm gonna have you pull up the address while I write down the information.

• 33:54Speaker 03

  Okay.

• 33:58Speaker 03

  Beautiful.

• 33:59Caleb Hammer?

  You allowed to use screens in your denomination?

• 34:01Speaker 03

  Yes.

• 34:04Caleb Hammer?

  What denomination are you? I was raised Wesleyan.

• 34:07Speaker 03

  I don't really have a denomination, but I would say I'm more Pentecostal.

• 34:11Caleb Hammer?

  Uh, is that stoning the gays, or is that bringing them in?

• 34:16Speaker 03

  It's like, just very spiritual, like...

• 34:19Caleb Hammer?

  Hippie.

• 34:20Speaker 03

  Just, you know, the Pentecostals speak in tongues. Yeah, they, uh, they pray very charismatically. And they believe in healing and like all the things that were back then.

• 34:36Caleb Hammer?

  It sounds like Christianity, but you're just making sounds, perhaps?

• 34:40Speaker 03

  I don't know. I don't do it.

• 34:42Caleb Hammer?

  May you make a sound for us right now?

• 34:46Speaker 03

  I don't know what to do. They just say, they're just like, I don't know, it sounds like they know what they're doing.

• 34:51Caleb Hammer?

  I just love an example.

• 34:54Speaker 03

  I don't know.

• 34:55Caleb Hammer?

  What have you heard before?

• 34:56Speaker 03

  Bro.

• 34:58Speaker 03

  Like, they just go da-da-da-da-da-da-da, and they like move their tongue really fast.

• 35:01Caleb Hammer?

  What is that doing?

• 35:02Speaker 03

  And it's apparently speaking in the heavenlies and like to the heavenly realms. And let's say you were prophesying or talking to someone or praying over someone in a different language, they may be able to understand what they are saying or be able to feel the Holy Spirit more through that. I don't know. That's the one like debatable. I'm not quite sure. I haven't researched it that much, but I've been around people that speak in tongues. I've been to Pentecostal churches where they're all like going for it. And it's a, it's an interesting experience.

• 35:38Speaker 03

  It's pretty powerful.

• 35:39Caleb Hammer?

  Good tongue practice.

• 35:41Speaker 03

  Yeah.

• 35:42Caleb Hammer?

  For the sleepovers.

• 35:43Speaker 03

  Great.

• 35:45Caleb Hammer?

  It's weird. I don't know. Again, I was raised Wesleyan. I'm, um, I, I don't know what religion I, I am. I'm, I'm a believer of God. It's very interesting.

• 35:57Speaker 03

  What's Wesleyan?

• 35:57Caleb Hammer?

  That's where I am. I, I think it's Midwest. I don't know. Like a sub-denomination. This is where I was raised. But I've never heard of like da-da-da-da-da.

• 36:06Speaker 03

  I don't know. I didn't go to the church to find a denomination.

• 36:09Caleb Hammer?

  Here's Mom's house. It looks like something out of a

• 36:13Speaker 03

  It's a little fairy home.

• 36:14Caleb Hammer?

  A Tim Horton movie.

• 36:15Speaker 03

  It's cute.

• 36:17Caleb Hammer?

  Cute is luckily a subjective word.

• 36:26Speaker 03

  That wasn't like a reaction.

• 36:28Caleb Hammer?

  It is definitely a form of an A.

• 36:31Speaker 03

  Yeah. It has a balcony in the back. It's, it's a two-story. It's

• 36:36Caleb Hammer?

  Random?

• 36:37Speaker 03

  It's cute.

• 36:40Caleb Hammer?

  Okay. Lots of questionable reactions. Also, um, especially for the renting in the Airbnb, looking at the street view and stuff. Looks just like a very trashy area. Is that where someone's gonna want an Airbnb?

• 36:55Speaker 03

  I don't think it's trashy. The houses on the street are pretty nice. Like in the neighborhood.

• 37:00Caleb Hammer?

  Dude, I'm doing street view around it. It looks like a trailer park.

• 37:03Speaker 03

  Yeah, there's a trailer park nearby.

• 37:05Caleb Hammer?

  Also, it's close to the bayou, not even the ocean. Right?

• 37:08Speaker 03

  It's close to the ocean, sunset, and Fred Howard.

• 37:11Caleb Hammer?

  Okay.

• 37:12Speaker 03

  Yeah.

• 37:13Caleb Hammer?

  Yeah, I mean, there's an equity position in the house, thank goodness, but that's mostly because you put it down. Other than what you put down, what did you buy it for?

• 37:21Speaker 03

  $327.

• 37:23Caleb Hammer?

  Well, that's what it's worth, apparently.

• 37:27Caleb Hammer?

  Uh, so, good luck. If you have to sell this, because you will lose money. After fees and whatnot, and closing costs and all the goodies.

• 37:36Speaker 03

  Yeah, really.

• 37:37Caleb Hammer?

  Hope you don't. But again, where's mama gonna go? Have we, did you answer that?

• 37:41Speaker 03

  A van.

• 37:43Caleb Hammer?

  That's right. Okay, and that's certain that you're gonna be able to rent this house out and not pay this mortgage? You've agreed, she's agreed to this?

• 37:49Speaker 03

  Yes.

• 37:50Caleb Hammer?

  Okay.

• 37:51Speaker 03

  I'm just, yeah. So, we're caught up to September, but the grace period was September 15th. And I texted her yesterday, and we have not paid the mortgage for September. So there's another, it's a $95 late fee. Every couple of weeks, until she pays it.

• 38:11Caleb Hammer?

  What are we doing?

• 38:12Speaker 03

  Yeah.

• 38:12Caleb Hammer?

  Until she pays it, and you're not going to, because you don't have the money, right?

• 38:15Speaker 03

  Right.

• 38:16Caleb Hammer?

  What the?

• 38:16Speaker 03

  Sister doesn't work, and she doesn't work.

• 38:18Caleb Hammer?

  That's fine, I mean, your sister's not necessarily required to. It's good to get some work experience, but...

• 38:23Speaker 03

  Yeah.

• 38:23Caleb Hammer?

  Yeah, you're right! Total due $5,000.

• 38:26Speaker 03

  So that was covered.

• 38:28Caleb Hammer?

  Yeah, but now it's not again.

• 38:29Speaker 03

  Right.

• 38:30Caleb Hammer?

  So we're about to have a double payment again, and grandma's not gonna give it this time.

• 38:34Speaker 03

  Mm-mm.

• 38:35Caleb Hammer?

  This is...

• 38:36Speaker 03

  It's really bad, yeah.

• 38:40Speaker 03

  Oops.

• 38:41Caleb Hammer?

  Wait long and

• 38:43Speaker 00

  Now streaming on Paramount Plus. I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for that. He's back. I'm older. I'm wiser. And sharper than ever. Things are gonna get messy. But if I can't believe in myself, I can't believe in anything. Dexter Resurrection, new season now streaming on the Paramount Plus Premium Plan.

• 39:12Caleb Hammer?

  Up without someone coming in to bail and you lose the house and that 70s gone.

• 39:16Speaker 03

  Yeah. Yeah. If worst case scenario, I am gonna have to make a tough decision and get renters in there that will actually pay.

• 39:27Speaker 03

  My relationship with my mom has been rocky. I really don't want to have to do that.

• 39:30Caleb Hammer?

  There and again, the mom relationship, are you gonna kick her out?

• 39:34Speaker 03

  Right.

• 39:35Caleb Hammer?

  Are you?

• 39:36Speaker 03

  I really hope it doesn't get to that point.

• 39:38Caleb Hammer?

  And then there's your house and then we'll get into the, you know, juicy debt specifically, but if we're talking about the, you know, obviously these are massive expenses and we're moving to Fort Worth. How did the Fort Worth come to you?

• 39:50Speaker 03

  I prayed about it and then as I was going to sleep, I heard a voice that told me, well, it was my, it was my voice. It wasn't like a deep, dark, mysterious voice.

• 40:00Caleb Hammer?

  Well, you know, that's a very normal thing when you go to sleep to hear a voice.

• 40:03Speaker 03

  Yes.

• 40:03Caleb Hammer?

  It's a, you're in that mixture between so like dream space and space when you're, especially when you're very stressed. That could be a common thing that pops up. I mean, it's rare, but it's a normal thing.

• 40:14Speaker 03

  Yeah. So there was a location and then it was like confirmations over the past couple of months. I didn't actually seek out tenants.

• 40:21Caleb Hammer?

  Targeted ads after you searched Fort Worth?

• 40:24Speaker 03

  No, like more physical because I was at a, I was serving with my church and I was in a kitchen helping refurnish.

• 40:35Caleb Hammer?

  You are a woman.

• 40:36Speaker 03

  Yes. And I went down and I saw.

• 40:39Caleb Hammer?

  She's a trad Christian.

• 40:40Speaker 03

  I saw, I saw a book and it was from the woman that we were refurnishing the house for and it was a Bible study and at the bottom there was a location of the ministry that it was from and it was Fort Worth, Texas. And then after that, I kind of started to research Fort Worth and I'm like, okay, I could if I'm gonna.

• 40:58Caleb Hammer?

  No, I could live in a highway.

• 41:00Speaker 03

  I could live there if I had to. So then I said, alright, well, I'm not gonna look for tenants if this is really where I'm supposed to end up. I know that God will provide me a tenant. And within three weeks, one of my old friends who like I recently reconnected with, reached out to me looking for a place in St. Pete. And lo and behold, she ended up signing the lease a few days or a few weeks later. And in that meantime, I found the place that I'm living now. And if for what it's worth, my neighbor parks two vans on my front yard.

• 41:35Caleb Hammer?

  Oh.

• 41:36Speaker 03

  Two hundred dollars extra a month.

• 41:39Caleb Hammer?

  Hell, if it's that kind of neighborhood. Okay, on this house, you owe one hundred ninety-three thousand, four hundred and eighty dollars and forty-five cents. Minimum payment, a thousand, seven hundred, five dollars and forty-one cents. I've also come to the light.

• 41:50Speaker 03

  You have?

• 41:50Caleb Hammer?

  I've come to the light.

• 41:51Speaker 03

  Okay. Yeah.

• 41:55Caleb Hammer?

  But man, it was fun.

• 41:56Speaker 03

  Yeah.

• 41:57Caleb Hammer?

  Yeah. You remember being a-

• 41:58Speaker 03

  I really wasn't. I was in a long-term relationship.

• 42:02Caleb Hammer?

  Oh, you should have been a-

• 42:03Speaker 03

  I had like one hookup.

• 42:05Caleb Hammer?

  That's it. That's it. That's a single, single-

• 42:08Speaker 03

  One.

• 42:09Caleb Hammer?

  One-

• 42:09Speaker 03

  One experience and then was like, no, not for me.

• 42:13Caleb Hammer?

  Listen, they use, they use, if someone hears now and they hear insulting, but I've loved being a- So much fun. It's, it's, it's like, uh, it's a praise, honestly, if you call me a-

• 42:24Speaker 03

  Yeah.

• 42:25Caleb Hammer?

  That means I was getting laid, right?

• 42:28Speaker 03

  It's actually a biblical term.

• 42:29Caleb Hammer?

  Sure. I bet. What does it mean? Amazing man?

• 42:36Speaker 03

  Sure. We'll go, we'll go with that. Yeah. I believe you were and still are.

• 42:40Caleb Hammer?

  No, I've become a better man.

• 42:43Speaker 03

  Mm-hmm. Wanted a family.

• 42:45Caleb Hammer?

  Barely, I do want a family.

• 42:46Speaker 03

  Yeah.

• 42:47Caleb Hammer?

  Barely, barely equity position in this house. But what did you put down on it? What did you buy this for?

• 42:52Speaker 03

  I bought it for two forty-seven.

• 42:56Caleb Hammer?

  Yeah, I mean, it's barely gone up. So you're probably, again, if you had to sell us today, you'd lose money. What's your rent? Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that

• 43:38Caleb Hammer?

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• 44:21Speaker 03

  They're renting it for 2,000.

• 44:22Caleb Hammer?

  Oh, okay. That's honestly not a lot of wiggle room because

• 44:25Speaker 03

  Yeah.

• 44:26Caleb Hammer?

  $2,000 when you're setting money aside 3% at a minimum basis for any future vacancy and an additional 3% minimum for any future repairs, which by the way, that's honestly not enough. I would double those each. You're not making money, but at least you're covering the cost. But if a roof has to be replaced, which?

• 44:43Speaker 03

  2022 roof.

• 44:44Caleb Hammer?

  Maybe. Okay. It's a small house, right?

• 44:47Speaker 03

  It's 1,200.

• 44:48Caleb Hammer?

  Oh, it's a two bed, one bath. Who the would buy this from you? Because it's a very interesting thing. Like people don't buy these houses anymore. There'd have to be some kind of business opportunity. 102 square foot. Yeah.

• 44:59Speaker 03

  With the garage, it's larger, but I, I didn't have any plans on selling it, honestly. And I have a decent sized backyard, so I can put like a secondary structure on it eventually, but that's

• 45:10Caleb Hammer?

  I don't know if I'd do that, honestly. Okay, let's move on from the real estate. But you got a 6% rate on here. Here's the juice.

• 45:21Caleb Hammer?

  Oh, she's ashamed. She just She's ashamed and

• 45:29Speaker 03

  All right, we'll get into the juice, I guess.

• 45:31Caleb Hammer?

  I used to feel very bad when I Back at like 15, 16.

• 45:35Speaker 03

  Yeah.

• 45:36Caleb Hammer?

  You're like the first like, like, I don't think we've had like, uh, this is so interesting to talk about your religion because we just don't have people that are just like religious on the show.

• 45:48Speaker 03

  I know. I

• 45:50Caleb Hammer?

  So this is such a different conversation. I'm so goony right now. Goony for religion. Sapphire preferred

• 45:58Caleb Hammer?

  $3,870.20. What is going on with this card?

• 46:04Speaker 03

  So I went on a trip for my dance team. We were competing and

• 46:10Caleb Hammer?

  Booty on stage?

• 46:11Speaker 03

  No.

• 46:12Caleb Hammer?

  That's illegal.

• 46:13Speaker 03

  Actually, I did not, but I went and I put No, I was on stage, but I I'm on a hip hop. I was on a competitive hip hop team.

• 46:25Caleb Hammer?

  Hip hop? Now that's the devil's music.

• 46:28Speaker 03

  And that's what makes it look like hip hop. Not necessarily. It is secular. It depends on the messaging. We did dance to Get It Shotty by Lloyd, so it was a sacrifice to leave that behind. That was definitely one of my, my loves.

• 46:44Caleb Hammer?

  Continue.

• 46:45Speaker 03

  So I went there. I put the Airbnb that we were all staying at on my card and then I had people

• 46:51Caleb Hammer?

  Why'd you pay for that?

• 46:52Speaker 03

  Because I

• 46:53Caleb Hammer?

  But did you take the money that they gave you and pay on it?

• 46:56Speaker 03

  Yeah.

• 46:57Caleb Hammer?

  Okay.

• 46:57Speaker 03

  Maybe 80% of them.

• 46:59Caleb Hammer?

  Why? Why not the total?

• 47:02Speaker 03

  Because they paid

• 47:02Caleb Hammer?

  Why is it on you to put it on your card?

• 47:05Speaker 03

  Because I liked to mom, I guess, and I wanted to a space where I knew that I would like, and I wanted to make sure that I was covering the groceries and stuff and have, I like looped the grocery cost into the stay. So I had people pay for everything so that I could do a big Costco haul when I got there. So a lot of that was like

• 47:26Caleb Hammer?

  Let me do this. This is almost maxed out. This is almost maxed out.

• 47:29Speaker 03

  That did have

• 47:30Caleb Hammer?

  It was over maxed out at the beginning of the month by far. And you still purchased $202.48 while $95.26 of interest accrued. Hey, if you don't purchase on this and you make your minimum two payments, how long does it take to pay off?

• 47:42Speaker 03

  Probably like 15.

• 47:43Caleb Hammer?

  14, pretty close.

• 47:45Speaker 03

  So it had an

• 47:46Caleb Hammer?

  It's as long as you can get married in the church, right?

• 47:49Speaker 03

  Yeah, I guess I had to balance.

• 47:51Caleb Hammer?

  I don't know. That's more Catholicism.

• 47:53Speaker 03

  Yes.

• 47:53Caleb Hammer?

  Actually, that's more like eight.

• 47:55Speaker 03

  Okay, anyways, eighteen thousand dollars was my limit until the summer and then they dropped it to four thousand. So.

• 48:04Caleb Hammer?

  Good, because you're looking like an untrustworthy person. Listen, I'll let you use the Fizz card, debit card that builds credit, because at least you can't yourself like you are with this.

• 48:13Caleb Hammer?

  This is crazy.

• 48:14Speaker 03

  It is crazy.

• 48:15Caleb Hammer?

  Do you drink? Do you do any drugs? I'm so interested. You're like a little, I want, you're a creature I want to study. Your life, like, you're living such an interesting life because no one your age does this.

• 48:25Speaker 03

  No, I don't smoke. I don't drink. I don't do drugs.

• 48:29Speaker 03

  At all.

• 48:30Caleb Hammer?

  What's your vice? Do you do caffeine?

• 48:31Speaker 03

  My vice is picking at my skin.

• 48:34Caleb Hammer?

  Do you do caffeine?

• 48:35Speaker 03

  No. That's like a lot for me. That's like six, Brendan told me it was sixty milligrams.

• 48:39Caleb Hammer?

  Uh oh, she talked to Brandon before.

• 48:42Speaker 03

  Little tough.

• 48:43Caleb Hammer?

  Uh oh, Brandon and her had tea before the show.

• 48:46Speaker 03

  Oh, wow.

• 48:48Caleb Hammer?

  Whoa. Stick it in the butt. Later.

• 48:51Speaker 03

  My vice is, uh, sweets. I like sweets. That's about it.

• 48:57Caleb Hammer?

  Okay, I was very curious. This is a very odd episode.

• 49:03Caleb Hammer?

  But, uh, tea, boba, that's caffeine.

• 49:06Speaker 03

  Yeah, a little bit. Okay, but boba tea?

• 49:09Caleb Hammer?

  It's illegal, potentially.

• 49:11Speaker 03

  What do you mean?

• 49:11Caleb Hammer?

  Caffeine's illegal for a lot.

• 49:13Speaker 03

  Of religions?

• 49:15Caleb Hammer?

  The Mormons.

• 49:15Speaker 03

  FLBS, yeah, I'm not, I'm not Mormon.

• 49:17Caleb Hammer?

  Well, who was right? Who gets into heaven?

• 49:20Speaker 03

  I'm afraid it was the Mormons.

• 49:22Caleb Hammer?

  There are many denominations of Christianity and like, um, what's it called?

• 49:26Speaker 03

  I don't know.

• 49:27Caleb Hammer?

  That's Robert. Robert was raised something weird.

• 49:30Speaker 03

  But like, I'm not religious. I, I have a relationship with God. But I go to like a non-denominational church. Yeah.

• 49:39Caleb Hammer?

  Uh, rebel. Okay.

• 49:41Speaker 03

  This is, yeah, my statements are very rebellious, as you can see.

• 49:45Caleb Hammer?

  Instacart, not really a good use of money when we can't pay off our fucking cards. And yeah, there's the Airbnb, but that was the small minority of like what you're doing, actually. And Starbucks. You've had fees this year. I think that's probably the annual fee, though. And three hundred fifty-eight dollars of interest accrued.

• 50:01Speaker 03

  Yeah, pretty bad.

• 50:05Speaker 03

  I will say, I was spending a lot more the first half of the year because I had work-stay volunteers living with me, so they were helping me. This was the time where I was still like, "I can do it! I can make a living off of social media and hosting in-person events!"

• 50:20Caleb Hammer?

  Is that why you bought like one of those like thousand-dollar, like bull online courses? Which, there's many good ones, but even still, all of our educational stuff, it's like the debt class, the budget class, the investing class, the real estate class, the recession class, the beginner class, all that, which has the lowest refund rate in the industry by far and changed 10,000 people's lives. Literally that? People can get all of it for, what is it, $197?

• 50:48Speaker 03

  Yeah.

• 50:48Caleb Hammer?

  Oh, what the [bleep]? You spent $1,000 on some bull online thing that probably doesn't have anywhere close to what we have?

• 50:55Speaker 03

  Yeah.

• 50:56Caleb Hammer?

  Oh, to get access to a private Discord. Oh my goodness, tell me about it.

• 51:00Speaker 03

  That was back in December, right before 2025. I was like, this is my last ditch effort in trying to redo socials and see if I can make a living, still just brand deals.

• 51:16Caleb Hammer?

  Well, don't post about periods. Like, no one gives a [bleep].

• 51:18Speaker 03

  Yeah, so...

• 51:18Caleb Hammer?

  I mean, there's advice number one.

• 51:20Speaker 03

  I'm not passionate about like the stuff that I was posting before, so I just did that and I tried, but...

• 51:25Caleb Hammer?

  But you have to decide, like, do I always want to film this show? Not necessarily.

• 51:30Speaker 03

  Yeah.

• 51:30Caleb Hammer?

  But it's my career.

• 51:32Speaker 03

  Yeah. So, I bought a $1,000 course because I met the people in person and I, they made it seem like it was... They were giving me brand deals to post like face masks and stuff, and so I basically broke even.

• 51:47Caleb Hammer?

  If you have to buy into making money?

• 51:49Speaker 03

  Yeah, it was, yeah.

• 51:50Caleb Hammer?

  Very pyramid-y almost, in a way.

• 51:53Speaker 03

  Yeah, I have been in some of those.

• 51:55Caleb Hammer?

  You have?

• 51:56Speaker 03

  Yep. I was in a multi-level marketing company.

• 51:59Caleb Hammer?

  I'm not shocked. It seems you kind of follow and fall into things quite easily.

• 52:05Speaker 03

  Yeah, my parents got me into it.

• 52:06Caleb Hammer?

  Have you been in a cult?

• 52:07Speaker 03

  I would consider that. It was pretty culty, but no, like a religious cult?

• 52:12Caleb Hammer?

  Your parents got you into the pyramid?

• 52:13Speaker 03

  Yep.

• 52:14Caleb Hammer?

  How the?

• 52:15Speaker 03

  I was 16. They started with this company called Isogenics. I went to [BLEEP] with them. Yep. And then when I turned 18, they signed me up under them. And they told me that I was gonna make a bunch of money going to college selling a meal replacement shakes and cleanses to broke college students. And that did not go very far.

• 52:35Caleb Hammer?

  The course that you got, the $1,000 one, was there 100% money back guarantee no matter what?

• 52:39Speaker 03

  I don't think so.

• 52:40Caleb Hammer?

  Never buy one unless you do, because all courses, listen, online, again, there aren't actually good ones. We do some good ones. I'm friends with people that do some good ones. But if they don't have a 100% money back guarantee, no matter what, no questions asked, like we do, then I wouldn't trust it, because that means they're just trying to capture your money and run. We're confident that we provide value, so people are willing to like, okay, yes, you like, let me pay you for the value.

• 53:02Speaker 03

  Yeah.

• 53:03Caleb Hammer?

  Like, what the?

• 53:04Speaker 03

  I know. I know. I spent a lot of money on courses, thinking that it was investments.

• 53:08Caleb Hammer?

  How much?

• 53:09Speaker 03

  So.

• 53:10Caleb Hammer?

  How the much?

• 53:11Speaker 03

  I was spending $1,000 a month on business coaching before I got into this career. Like, I'm a W2 as of February, but before that, I was really trying to build my private nutrition practice. And for a while, it worked because I was getting the traction on social media. But then when that died, I didn't want to pay for ads. So I thought that I could hire for tools, resources to systematize things, because it sucked. It sucked wearing all the hats, pun intended, because I was like the marketing person. I was the salesperson. I was the website tech. I was the dietitian. It just became so overwhelming. So I was like, let me take some of this off my plate. Let me hire people that could actually support me.

• 53:53Caleb Hammer?

  The business coaches were friends of yours, though?

• 53:56Speaker 03

  Yeah.

• 53:56Caleb Hammer?

  Friends of yours? Here's the thing, dude, even, even, I mean, literally, a valet the other day at a sushi restaurant. He's like, oh, I'm a fan of yours. Man, I've always been interested in taking the classes. And I just literally emailed Lindsay. We just gave him the classes. If they're friends of you, like, that's just a random person I met. If they're friends of yours, why the are they charging?

• 54:14Speaker 03

  That was their business.

• 54:18Caleb Hammer?

  Yeah, but they're friends of yours. This is my business, but I don't like.

• 54:21Speaker 03

  I never learned that. Everything in my life has been transactional.

• 54:27Speaker 03

  Yeah, so I don't, if it's a friend, I'm paying for their time. If it's a friend, they're paying for my time. That was just how I thought things went.

• 54:36Caleb Hammer?

  That's weird. I mean, it can. I like supporting friends if they have a business, but if they require and they're not even willing to offer, I'm like, I don't know.

• 54:43Speaker 03

  Yeah, so that was 12,000 total.

• 54:45Caleb Hammer?

  You've never helped out a friend without them paying?

• 54:47Speaker 03

  I have now, now that I realize that that's okay.

• 54:50Caleb Hammer?

  Wow. Very Christian of you. Okay?

• 54:54Speaker 03

  Yeah, this is new.

• 54:55Caleb Hammer?

  Okay. Platinum card, Visa, Wells Fargo, all of them combined to the Cash Wise Visa Platinum. Well done. What's going on with this card? You purchased $1,131, $22.93 of inches accrued. Made a $25 payment. Kill me now. It's a 42 dollar minimum payment now with a balance of $1,812.63, 11 years to pay off if you don't purchase, which good luck based on what we've seen. What's going on with this card?

• 55:26Speaker 03

  Couldn't tell you. I literally just spent on my cards. A lot of that was me before I transferred all of my recurring, like my monthly business expenses onto my business debit card, which I have now done, realized consistently.

• 55:44Caleb Hammer?

  Business debit card? You made what? What did you say? $20 last month? In your business?

• 55:49Speaker 03

  No, so my self-pay clients I make between 800 and 1,000.

• 55:52Caleb Hammer?

  So you're, are you setting money aside for taxes for that?

• 55:55Speaker 03

  Yes.

• 55:56Caleb Hammer?

  You are? How much?

• 55:57Speaker 03

  Well, I was.

• 55:59Caleb Hammer?

  And then?

• 56:00Speaker 03

  I'm currently paying. Yeah, my 2024 on a payment plan, so.

• 56:07Caleb Hammer?

  2024? What about 2025s?

• 56:10Speaker 03

  So I'm making about 800 to $1,000 a month.

• 56:14Caleb Hammer?

  Are you making quarterly estimates?

• 56:16Speaker 03

  Not right now, no.

• 56:17Caleb Hammer?

  You're gonna be forced to, you'd think this year, but probably next.

• 56:20Speaker 03

  I did in 2024.

• 56:22Caleb Hammer?

  You did. Now you're gonna be facing penalties then. This year you will be facing penalties.

• 56:26Speaker 03

  Yeah.

• 56:27Caleb Hammer?

  If you're not hitting them. In fact, yesterday, Q3's estimated was due. Did you pay?

• 56:34Speaker 03

  Nope.

• 56:35Caleb Hammer?

  Good. You faced about, I think, a... 10%, 12% penalty, I think?

• 56:41Speaker 03

  Yeah, um, that's because-

• 56:43Caleb Hammer?

  They scale as the year goes on.

• 56:45Speaker 03

  Now that I have a W2, I was thinking that-

• 56:48Caleb Hammer?

  Oh wait, W2? I'm confused. Are you contracted or a W2?

• 56:51Speaker 03

  I'm a W2.

• 56:52Caleb Hammer?

  Okay, then you don't-

• 56:53Speaker 03

  And I have a, I have my LLC still on the side. So I make the vast majority from that W2 now.

• 57:00Caleb Hammer?

  Oh, okay.

• 57:00Speaker 03

  And that LLC is supplementary. So by 2026, getting a pay off or-

• 57:06Caleb Hammer?

  So I'm sorry, what's going on with this card?

• 57:08Speaker 03

  Probably monthly stuff, probably not a-

• 57:10Caleb Hammer?

  Apple Bill, High Store Phoenix, you got some coffee there. Dutch Bros, Grounds on Second.

• 57:18Speaker 03

  Yeah. That was my Arizona trip.

• 57:20Caleb Hammer?

  Going in and getting some BS, going in and getting some BS from the gas station, Hip Hop International.

• 57:25Speaker 03

  Yep.

• 57:26Caleb Hammer?

  Naughty, naughty. Dapples Hockey Team!

• 57:30Speaker 03

  Whoa! Wait, what was that one?

• 57:33Caleb Hammer?

  Uh, I don't know, $37.84?

• 57:36Speaker 03

  It was at the arena. I bought popcorn, watching the finals. Yep.

• 57:41Caleb Hammer?

  Going in and getting some bullshit, Zen Burger, Apple Bill, $100 in interest this year so far, $25.24. Pull up your phone, I want full access. And I know I'm not gonna stumble upon anything bad in there with you, so.

• 57:53Speaker 03

  Where are we going?

• 57:56Caleb Hammer?

  Again, this is the least risky phone I think I've ever had.

• 58:01Caleb Hammer?

  Okay, we have, iCloud Plus, that's fine, obviously. It's not great always, you know, when we're dying of debt. Chatbox, but it's pending cancel.

• 58:09Speaker 03

  Yeah.

• 58:10Caleb Hammer?

  Chatbox, I don't even know what that is. Capco, also pending cancel, but you're trying to get back on the social media game.

• 58:14Speaker 03

  I just, yeah.

• 58:16Caleb Hammer?

  And Dow, Focus Sleep, but also pending cancel. And you've had a lot of subscriptions as well. It looks like, it looks like you get lots of subs and then you...

• 58:25Caleb Hammer?

  Okay, interesting.

• 58:26Speaker 03

  Yeah.

• 58:27Caleb Hammer?

  Oh, Amazon's not downloaded. Do you do Amazon?

• 58:30Speaker 03

  I have an Amazon Prime, but I don't really buy anything other than for friends who need Amazon Prime. I'll like, buy stuff for them occasionally.

• 58:39Caleb Hammer?

  Which they better pay you immediately.

• 58:40Speaker 03

  Yeah, they do, yeah.

• 58:41Caleb Hammer?

  You know, the CEO of this company is gay.

• 58:44Speaker 03

  Thanks for the information.

• 58:46Caleb Hammer?

  You can shop smart.

• 58:47Speaker 03

  Mm-hmm.

• 58:49Caleb Hammer?

  We love Tim Apple.

• 58:52Caleb Hammer?

  Big fan. Made my stocks go woo.

• 58:55Speaker 03

  We don't touch that.

• 58:56Caleb Hammer?

  Well, stocks is greed.

• 59:00Caleb Hammer?

  And greed.

• 59:01Speaker 03

  Okay, I see, I see where you're getting at.

• 59:03Caleb Hammer?

  Three thousand.

• 59:05Speaker 00

  Now streaming on Paramount Plus. I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for that. He's back. I'm older. I'm wiser. And sharper than ever. Things are gonna get messy. But if I can't believe in myself, I can't believe in anything. Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 59:36Speaker 00

  Now streaming on Paramount Plus. I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for that. He's back. I'm older. I'm wiser.

• 59:51Speaker 00

  And sharper than ever. Things are gonna get messy. But if I can't believe in myself, I can't believe in anything. Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 1:00:05Caleb Hammer?

  Thirty-eight dollars and ninety-three cents. By the way, I'm goofing, I'm gooning and gaffing with her. I, I, I like, I very much respect.

• 1:00:15Speaker 03

  We are, we are not offended.

• 1:00:16Caleb Hammer?

  Yeah, I know, exactly. Plus, I have permission. So, don't take too offense to it.

• 1:00:23Caleb Hammer?

  Um, okay, a thousand seventy-six dollars and fifty-six cents of purchases on here with seventy-three dollars and fifty-seven cents of interest accruing. Hundred and four dollar minimum payment. We owe three thousand thirty-eight dollars and ninety-three cents. This is the built card. You'd think you're paying rent on here, but, one, we don't have rent yet. Anyway, that's the whole point of this card, though. What's going on with this card?

• 1:00:43Speaker 03

  I got it when I did have a rent payment, so I used it, paid it off, no problem. I started using it more when I maxed out those zero percent interest APR cards, because from the time, I, I basically went eight months unemployed. So in those eight months between stopping all my social media stuff, AKA fanfics.

• 1:01:04Caleb Hammer?

  How'd you survive?

• 1:01:06Speaker 03

  Zero percent interest.

• 1:01:08Caleb Hammer?

  Why didn't you do anything for eight months?

• 1:01:11Speaker 03

  I did.

• 1:01:13Caleb Hammer?

  What'd you do?

• 1:01:14Speaker 03

  Trying to... I was being still consistent on social media, but like we've mentioned, it wasn't getting me anywhere. I wasn't getting any new clients. I was just maintaining the ones that I had. And eight hundred to a thousand dollars a month was not cutting it. So finally in February, I was humble enough to get a real job. I was never really taught that I could get a real job.

• 1:01:35Caleb Hammer?

  Humility is required for you, so...

• 1:01:37Speaker 03

  Yeah. I was supposed to be a millionaire entrepreneur per my parents, so I just went, I rode that wave. I was like, "We're gonna try."

• 1:01:48Caleb Hammer?

  What hit? What hit where you went from, "I'm gonna post almost my asshole online, almost, but not really", to, "I can't do this"? What was the moment?

• 1:01:57Speaker 03

  There wasn't really a specific moment. I just started...

• 1:02:01Caleb Hammer?

  Well, deleting the Snapchat's an extreme, so what, like, walk me through it.

• 1:02:06Speaker 03

  I was doing fanfics consistently and still making like twenty thousand a month. I realized, I just like felt empty. I'm like, "What is literally all of this for?" You know the

• 1:02:19Caleb Hammer?

  Money.

• 1:02:20Speaker 03

  Standard, yeah. And I just

• 1:02:22Caleb Hammer?

  Bills.

• 1:02:22Speaker 03

  I just felt really crappy.

• 1:02:26Caleb Hammer?

  Yeah.

• 1:02:26Speaker 03

  And I didn't want to keep doing it.

• 1:02:28Caleb Hammer?

  Yeah, that's a good reason. I'm glad you actually stopped.

• 1:02:30Speaker 03

  That's it.

• 1:02:31Caleb Hammer?

  Because if you felt that way and you didn't stop, which many people do because they're all of a sudden, they feel like it's their only way they can make their living. That sucks because they're strapped in a chat or in a cycle of having to sexualize themselves online. And that sucks. I think if you want to sexualize yourself online, you know, go for it. I don't give a but I don't like when people feel trapped. And the fact that you actually said, "You know what? Okay, I'm just gonna fully back away and even delete something with six hundred thousand followers, twenty thousand hours a month", respect.

• 1:02:55Speaker 03

  I appreciate it. Thanks.

• 1:02:57Caleb Hammer?

  That's big. Not a lot of people can do that.

• 1:02:59Speaker 03

  Yeah.

• 1:03:00Caleb Hammer?

  I will say on a complete opposite side of the moral spectrum, my retirement plan before the day I just turn off uh, the internet and no one ever sees me again is to post my asshole on OnlyFans. That's it. That is it. It is a one-hole pick.

• 1:03:14Speaker 03

  Okay.

• 1:03:14Caleb Hammer?

  Very expensive and then no one hears from me again. That is my exit plan.

• 1:03:18Speaker 03

  That, that is a interesting exit plan.

• 1:03:20Caleb Hammer?

  And it's a nice hole too.

• 1:03:21Speaker 03

  Yeah.

• 1:03:21Caleb Hammer?

  So, you know.

• 1:03:23Speaker 03

  Okay.

• 1:03:24Caleb Hammer?

  Stay tuned. We're probably years away, but

• 1:03:26Speaker 03

  Alright.

• 1:03:27Caleb Hammer?

  It'll just be, it'll be there nice and puckered up.

• 1:03:29Speaker 03

  Yeah, don't... I don't have to agree with that lifestyle.

• 1:03:33Caleb Hammer?

  You're not purchasing it?

• 1:03:34Speaker 03

  No, I'm sorry.

• 1:03:35Caleb Hammer?

  What the? That you're a fan of the show.

• 1:03:39Speaker 03

  I started watching it like a month ago, I will admit.

• 1:03:42Caleb Hammer?

  A month ago, okay.

• 1:03:43Speaker 03

  Yeah.

• 1:03:43Caleb Hammer?

  Okay, bad mother. Going in and getting some bullshit. Best pet insurance, 80 bucks, okay. You have a pet?

• 1:03:50Speaker 03

  I do.

• 1:03:51Caleb Hammer?

  What?

• 1:03:52Speaker 03

  A Great Dane.

• 1:03:53Caleb Hammer?

  Woo! I wish you brought the Great Dane, I'm such a fan of Great Danes. Oh, they are so cool.

• 1:03:58Speaker 03

  If this was scheduled later on, I would have brought him.

• 1:04:00Caleb Hammer?

  Okay, Prime Video, Lyft Ride, Chipotle, Amazon Prime, T-Boba, Starbucks.

• 1:04:08Speaker 03

  Yeah.

• 1:04:09Caleb Hammer?

  I've seen The Book of Mormon, the play, the musical.

• 1:04:12Speaker 03

  Yeah.

• 1:04:12Caleb Hammer?

  When the man has his little dream, his goon dream, when he's having, he's a bad boy, there's Starbucks cups jumping around.

• 1:04:18Speaker 03

  I believe it.

• 1:04:19Caleb Hammer?

  Very scary.

• 1:04:20Speaker 03

  That stuff's addicting.

• 1:04:21Caleb Hammer?

  Really?

• 1:04:22Speaker 03

  I'm gonna denounce Starbucks.

• 1:04:24Caleb Hammer?

  Me too, because it tastes like horrible. Okay, Better Practice Downtown, Practice Better, The Clean Life, and Viet Shack. Now, do you, if we're actually talking about this, I know I've done a lot of religious goof, whatever, this conversation, but there's actually one real thing, okay? Because all this has been just around. But, one real thing, do you tithe?

• 1:04:45Speaker 03

  I do.

• 1:04:45Caleb Hammer?

  Ah, because that's a big part when it comes to these financial conversations. What are you at?

• 1:04:49Speaker 03

  10% every paycheck.

• 1:04:50Caleb Hammer?

  It's impossible for me to take that away, because like I can take away someone's going and around and doing all this dumpster, I can take away someone's only spending. It's impossible to take away someone's like core belief they will like refuse in every humanly way possible.

• 1:05:06Speaker 03

  Yep, so that's 10% out, every paycheck, so bi-weekly.

• 1:05:09Caleb Hammer?

  Hmm, that's hard.

• 1:05:11Speaker 03

  I know.

• 1:05:12Caleb Hammer?

  And you don't even do the tongue.

• 1:05:14Speaker 03

  No.

• 1:05:15Caleb Hammer?

  You look lesbian too.

• 1:05:17Speaker 03

  Wow, is, okay, is it the haircut?

• 1:05:19Caleb Hammer?

  Can we bring in our correspondent to get a confirmation? Of course. I need a ranking. Our residential lesbian correspondent, everyone, uh, Erin. We, I need a, how lesbian is she? Scale, just from this, uh, 0 to 10, on the hammer lesbian scale.

• 1:05:36Speaker 03

  What car do you drive? I drive a Toyota 4Runner.

• 1:05:46Speaker 04

  That in modern terms is gayer than a Subaru. How many cats do you own? Zero. Okay. I have a dog. Are you religious?

• 1:05:55Speaker 05

  The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows, exclusive and uncensored financial audit episodes. Our call in show, Hammer It Out.

• 1:06:13Caleb Hammer?

  Then take the train.

• 1:06:15Speaker 05

  And brand new shows, Fat and Fatter.

• 1:06:18Caleb Hammer?

  That is, that one is.

• 1:06:21Speaker 05

  I would go off, Graham. Behind the Audit.

• 1:06:25Speaker 04

  What? This was wild.

• 1:06:27Speaker 05

  Shop Smart.

• 1:06:32Speaker 05

  And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.

• 1:06:49Speaker 04

  I am. How religious? I have a strong relationship with Jesus.

• 1:06:54Caleb Hammer?

  Well, she has girl sleepovers. Girl sleepovers.

• 1:06:57Speaker 04

  I love women.

• 1:06:58Caleb Hammer?

  And they practice, they practice.

• 1:07:01Speaker 04

  Well, he answered our question for us.

• 1:07:03Caleb Hammer?

  So practice tongues, do it again.

• 1:07:04Speaker 04

  Lip movement is like a two on the lesbian scale.

• 1:07:08Caleb Hammer?

  Overall, the overall vibe.

• 1:07:10Speaker 04

  I gotta be honest with you, the, the hat is similar to what my girlfriend wore in her high school graduation photos. And your wristband there, it's kind of shoving in my face, so I'm going to go with like a seven out of 10 on the lesbian scale. The forerunner was huge. Yeah. That was a. A mixed bag, I guess. Herbal.

• 1:07:31Caleb Hammer?

  Okay, well, thank you, ladies and gentlemen, for our resident correspondent.

• 1:07:35Speaker 04

  Thank you, Aaron.

• 1:07:36Caleb Hammer?

  Aaron, you smell different today. No.

• 1:07:43Caleb Hammer?

  You asked, I'm sorry. I wouldn't have answered if you. Ladies and gentlemen, if you want your Hammer Lesbian score, go to CalebHammer.com/lesbian.

• 1:07:54Caleb Hammer?

  Oh my goodness. Well, this is, this is neither lesbian nor straight, but you just paid $10,000 for a finance course? Finance course? We have, one, you get all of ours for free, but even if not at DollarWise.com, it's $197. What the [bleep] are we doing here?

• 1:08:09Speaker 03

  Those business coaches that I was paying $1,000 a month? When I started making a lot of money, like that 50K month on FanFlix, I said, hey, I don't know what I'm doing with my finances. So they referred me to somebody who has a school community that does weekly stuff. I had a financial coach. It wasn't even a financial advisor.

• 1:08:31Caleb Hammer?

  That's nice, but does that scale it to 10 times the cost?

• 1:08:35Speaker 03

  It, yeah, it was pretty.

• 1:08:36Caleb Hammer?

  No, 100 times the cost, almost.

• 1:08:38Speaker 03

  Yeah, 10,000. I will say that that person did save me money come tax season, but.

• 1:08:45Caleb Hammer?

  That's a CPA. You just talked to a [bleep] CPA. That would have cost you a thousand bucks.

• 1:08:50Speaker 03

  It was one piece of advice that he gave me.

• 1:08:52Caleb Hammer?

  What was it?

• 1:08:53Speaker 03

  To file as an S corp. Yeah, I know.

• 1:09:02Speaker 03

  So, yeah, I filed as an S corp for 2024, and I had employees during 2024.

• 1:09:07Caleb Hammer?

  For what?

• 1:09:08Speaker 03

  Um, personal assistants.

• 1:09:10Caleb Hammer?

  For what?

• 1:09:11Speaker 03

  Because I was traveling a lot and I needed help with my dog in my house.

• 1:09:15Caleb Hammer?

  You were just posting almost.

• 1:09:18Speaker 03

  I had friends that liked to travel, so I traveled with.

• 1:09:21Caleb Hammer?

  For fun.

• 1:09:21Speaker 03

  Yeah.

• 1:09:22Caleb Hammer?

  And you had two to book your travel?

• 1:09:24Speaker 03

  Just to like babysit my dog, to be quite honest, and grocery shop and like maintain the house while I was gone.

• 1:09:30Caleb Hammer?

  There's third-party services that do that on the cheap.

• 1:09:33Speaker 03

  I know.

• 1:09:35Speaker 03

  They were my friends and I wanted to hire them, so I paid them 25 buck, $25 an hour.

• 1:09:41Caleb Hammer?

  Oh my gosh.

• 1:09:47Caleb Hammer?

  So $10,000 and we learned to do S corp.

• 1:09:50Speaker 03

  Yes.

• 1:09:51Caleb Hammer?

  Wow.

• 1:09:51Speaker 03

  That was...

• 1:09:52Caleb Hammer?

  Ladies and gentlemen, we've conquered the business world. Really got a good return on it. Did you save $10,000 in taxes?

• 1:09:59Speaker 03

  I saved about $20,000.

• 1:10:00Caleb Hammer?

  Okay, well, that's good. A CPA would have done that for a cost of $1,000.

• 1:10:04Speaker 03

  Yeah. My CPA is 850.

• 1:10:07Caleb Hammer?

  Uh, uh, uh. Oh, yeah. Oh, you've had a lay fee this year so far on this card. Oh, yeah. Oh, you betcha.

• 1:10:16Speaker 03

  Really?

• 1:10:16Caleb Hammer?

  Betcha. You betcha, kiddo.

• 1:10:18Speaker 03

  Really?

• 1:10:19Caleb Hammer?

  Really?

• 1:10:19Speaker 03

  Really?

• 1:10:20Caleb Hammer?

  Really?

• 1:10:21Speaker 03

  Oh, this is the built card?

• 1:10:23Caleb Hammer?

  Oh, yeah.

• 1:10:24Speaker 03

  That was unexpected, I will say.

• 1:10:27Caleb Hammer?

  Always happens.

• 1:10:28Speaker 03

  Uh huh.

• 1:10:29Caleb Hammer?

  Welcome to financial audit. $401.92 of interest accrued this year so far. We're talking thousands at this point by the end of the year. This is crazy.

• 1:10:39Speaker 03

  Nauseous.

• 1:10:41Caleb Hammer?

  What, because a lesbian was just in the room for like 30 seconds?

• 1:10:46Caleb Hammer?

  It's getting, it hits you that hard?

• 1:10:48Speaker 03

  Hmm.

• 1:10:49Caleb Hammer?

  I personally, I love the lesbians. I love, don't we love the lesbians, ladies and gentlemen?

• 1:10:54Speaker 03

  We do. We do.

• 1:10:56Caleb Hammer?

  All right, we?

• 1:10:57Speaker 03

  Yeah.

• 1:10:58Caleb Hammer?

  Wells Fargo Signify Business Essentials card.

• 1:11:02Caleb Hammer?

  What's going on with this?

• 1:11:03Speaker 03

  I was paying for my business coaching on there and then just other business expenses and then I'm not sure.

• 1:11:11Caleb Hammer?

  You just had 206 hours of purchases. What the is that?

• 1:11:14Speaker 03

  I don't know.

• 1:11:16Caleb Hammer?

  Oh, my God.

• 1:11:17Speaker 03

  I don't know.

• 1:11:17Caleb Hammer?

  Oh, I'm looking at my accounts now, now that I applied to come on the show a month ago. What the fuck? You'd be able to tell me what it is. You'd be able to tell me what the fuck it is?

• 1:11:24Speaker 03

  Like, it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses were all kind of everywhere.

• 1:11:30Caleb Hammer?

  $47 minimum monthly payment purchased. How much do you travel?

• 1:11:34Speaker 03

  Not as much now.

• 1:11:35Caleb Hammer?

  Good. $1,518.13.

• 1:11:40Caleb Hammer?

  So let's order on here with a $47 minimum to payment. Again, $206 of purchases. $39 payment, $32.33 of interest accrued.

• 1:11:50Speaker 03

  I tried to like spot out the balance. Yeah, that's my bookkeeping.

• 1:11:53Caleb Hammer?

  Okay. So that has to be on our credit card that we can't pay off that is accruing interest, though?

• 1:11:58Speaker 03

  I just put it on my debit card. So.

• 1:12:00Caleb Hammer?

  No, this is a credit card.

• 1:12:02Speaker 03

  I know. Okay, yes, fair. I've given them like three separate cards to use. I just want to like spread out the the balance accruing because I thought that, okay, once my 0% interest APR credit cards are maxed out, then I need to fan out how much I'm spending on my four other cards.

• 1:12:23Caleb Hammer?

  Still don't understand Fort Worth out of all the Texas cities you could have chosen. It makes no sense. Platinum.

• 1:12:28Speaker 03

  That?

• 1:12:29Caleb Hammer?

  Like, why couldn't you hear a voice of just something somewhat even halfway enjoyable?

• 1:12:34Speaker 03

  I think it's nice. Okay, I would argue that I like it there so far in the two days that I've been there.

• 1:12:41Caleb Hammer?

  Yes.

• 1:12:42Speaker 03

  So.

• 1:12:42Caleb Hammer?

  Yes, I'm sure you would. 24 years to pay this one off with the. Oh, it's at $10,406,094 of the minimum payment of 105. 24 years to pay this one off. Looks like it's interest free for now, but not for long. And you got ChatGPT on there.

• 1:13:00Speaker 03

  Yeah. January, it is no longer. Uh, I got that one in January for 0% APR. It's called the Reflect Card. I think it's very fitting. Because it made me reflect on my decisions, but then I still didn't. So I guess it doesn't matter.

• 1:13:17Caleb Hammer?

  Okay, it ends in about a year, a little over a year, but this is the insane. Listen, there's no deferred interest, so we don't need to rush to pay this off. But if it was, we'd be. But you're not gonna have. This is still gonna take forever.

• 1:13:28Speaker 03

  Right, and the other 0% APR card just is occurring now as of September. So that one was what, like the 9,000?

• 1:13:39Speaker 03

  So I want to get that one paid off soon. It's fairly low interest compared to the other ones. I just don't know what to do about all these.

• 1:13:48Caleb Hammer?

  Well, this actually goes against everything we've talked about this conversation so far. It's fun. This must be the hookup. You went on a cruise with a guy and pay your own way and you had to spend $2,000?

• 1:13:59Speaker 03

  That was February of 2024.

• 1:14:03Caleb Hammer?

  Okay, last year?

• 1:14:04Speaker 03

  Yep, last year he-

• 1:14:05Caleb Hammer?

  So we're like, oh, he's cute.

• 1:14:07Speaker 03

  No.

• 1:14:07Caleb Hammer?

  Hit the cruise.

• 1:14:08Speaker 03

  Oh, no, we're just friends. Yeah.

• 1:14:12Caleb Hammer?

  I'm sure that's what he thinks.

• 1:14:13Speaker 03

  Yeah.

• 1:14:14Caleb Hammer?

  And desires. Ah, you already know.

• 1:14:16Speaker 03

  Yeah.

• 1:14:16Caleb Hammer?

  I am?

• 1:14:17Speaker 03

  So he, yeah, we, I made the decision to play my hand in blackjack on that cruise. And it was $2,000.

• 1:14:30Speaker 03

  That was when I was swimming in money and I had no inhibitions.

• 1:14:34Caleb Hammer?

  That's fucking insane. What the? I mean, oh my gosh, now we're at 10,500 on this card. That's crazy. Did you break up with a friend? Friend breakup? Since he wants more and you don't?

• 1:14:47Speaker 03

  Yeah, I mean, we're still friends, but like, we haven't traveled together.

• 1:14:51Caleb Hammer?

  Did he ever try?

• 1:14:52Speaker 03

  Yes.

• 1:14:53Caleb Hammer?

  And?

• 1:14:54Speaker 03

  No.

• 1:14:55Caleb Hammer?

  Oh.

• 1:14:55Speaker 03

  We got called out by a comedian on the cruise for sitting in the front row.

• 1:15:00Caleb Hammer?

  Cruise comedians, top of the line.

• 1:15:02Speaker 03

  Yeah, yeah, it was great.

• 1:15:05Speaker 03

  And that, I guess, was our shtick the whole time we would travel together.

• 1:15:08Caleb Hammer?

  Well, yeah, probably. I'm sure you guys looked like a couple. This is insane how long this takes to pay off. Yeah, we're gonna be paying interest forever. Also, we could do $2,000 on blackjack? Insanity?

• 1:15:20Caleb Hammer?

  Oh, you got your own room during the cruise?

• 1:15:22Speaker 03

  Yeah.

• 1:15:22Caleb Hammer?

  Okay, that works.

• 1:15:23Speaker 03

  Yeah.

• 1:15:24Caleb Hammer?

  That works. I mean, that's a good way to do it, right?

• 1:15:25Speaker 03

  Well, it started off as one.

• 1:15:27Caleb Hammer?

  Except it's expensive.

• 1:15:27Speaker 03

  It was one room.

• 1:15:28Caleb Hammer?

  Because he was trying?

• 1:15:30Speaker 03

  It just-

• 1:15:30Caleb Hammer?

  Was he trying to?

• 1:15:32Speaker 03

  No. It was a tricky situation. I started to get a little uncomfortable with the close quarters and some of the-

• 1:15:41Caleb Hammer?

  Because you were sleeping in the same bed?

• 1:15:43Speaker 03

  No, we were like, so I called ahead to like get the beds separated.

• 1:15:47Caleb Hammer?

  Oh, there were two twins?

• 1:15:48Speaker 03

  Yeah.

• 1:15:49Caleb Hammer?

  But he kept trying to get close?

• 1:15:50Speaker 03

  No, we had an issue, a disagreement.

• 1:15:55Caleb Hammer?

  On what?

• 1:15:59Speaker 03

  My feelings towards-

• 1:16:00Caleb Hammer?

  Disagreeing that you weren't into him?

• 1:16:02Speaker 03

  Pretty much, cuz I had a crush on someone else at the time that just so happened to be very close to him.

• 1:16:12Caleb Hammer?

  Oh, did you land that one eventually?

• 1:16:15Speaker 03

  Periodically.

• 1:16:16Caleb Hammer?

  That was the hookup?

• 1:16:17Speaker 03

  No.

• 1:16:18Caleb Hammer?

  But you were just randomly, he was a friend's with benefits?

• 1:16:21Speaker 03

  I thought I was going somewhere.

• 1:16:22Caleb Hammer?

  You said periodically?

• 1:16:24Speaker 03

  Yeah, like four months.

• 1:16:25Caleb Hammer?

  No, that's, that's not periodically. That means you guys were together for four months, right?

• 1:16:29Speaker 03

  Yeah.

• 1:16:29Caleb Hammer?

  Oh, that's not periodically means we're going back and like, we're coming back, we're coming back, we're doing it here and there?

• 1:16:34Speaker 03

  No, that was, yeah.

• 1:16:36Caleb Hammer?

  Yeah, your friend must have been hurt.

• 1:16:38Speaker 03

  It was a rough trip.

• 1:16:39Caleb Hammer?

  You're in whoever you're into.

• 1:16:40Speaker 03

  Yeah.

• 1:16:41Caleb Hammer?

  I don't know. You weren't into the dude.

• 1:16:43Speaker 03

  So I got a secretary room.

• 1:16:44Caleb Hammer?

  Was the whole trip bad?

• 1:16:46Speaker 03

  No.

• 1:16:46Caleb Hammer?

  Because of this?

• 1:16:47Speaker 03

  Uh-uh. I met a friend that lives in Dallas, and so he was the one to pick me up from the airport, so that works.

• 1:16:53Caleb Hammer?

  Yeah, but it was bad with this guy?

• 1:16:56Speaker 03

  It wasn't too bad afterwards. We kind of reconciled towards the end a little bit.

• 1:17:00Caleb Hammer?

  Towards the end? We had to go the whole way?

• 1:17:02Speaker 03

  It was like a five day trip.

• 1:17:03Caleb Hammer?

  So five days of him being like, I disagree that you're not into me?

• 1:17:08Speaker 03

  Yeah, a few days, for sure.

• 1:17:09Caleb Hammer?

  It's an interesting thing to disagree about, by the way.

• 1:17:11Speaker 03

  Yeah.

• 1:17:12Caleb Hammer?

  I don't know if you're able to do that one, champ.

• 1:17:15Speaker 03

  Eh.

• 1:17:16Caleb Hammer?

  Okay.

• 1:17:17Speaker 03

  It's rough.

• 1:17:18Caleb Hammer?

  Uh, what the, you've had fees this year so far, nine dollars thirty-three cents. I don't even know what that would be.

• 1:17:24Caleb Hammer?

  A foreign transaction fee, maybe? Like, I don't know.

• 1:17:27Speaker 03

  Potentially, potentially, yeah.

• 1:17:28Caleb Hammer?

  Such a low fee. It's not an annual fee, it's not a monthly fee. Like, I'm so confused.

• 1:17:32Speaker 03

  I was out of the country once this year.

• 1:17:34Caleb Hammer?

  To where?

• 1:17:34Speaker 03

  Colombia.

• 1:17:35Caleb Hammer?

  For why? To save the children?

• 1:17:38Speaker 03

  I was on a coworking, I was on a coworking retreat.

• 1:17:41Caleb Hammer?

  Oh, did they pay for it?

• 1:17:43Speaker 03

  I paid. I paid for the trip.

• 1:17:46Caleb Hammer?

  For everyone?

• 1:17:47Speaker 03

  No, just for me. I wasn't hosting it. Someone else was hosting it. So I went and I spent two weeks there.

• 1:17:54Caleb Hammer?

  You're dying in debt.

• 1:17:56Speaker 03

  Yeah.

• 1:17:56Caleb Hammer?

  I don't even know how you're gonna survive in Fort Worth.

• 1:17:58Speaker 03

  I worked while I was there.

• 1:18:00Caleb Hammer?

  This is insane. Okay, Chase Ink card. Oh, you got scammed on that trip, I heard. I'm being told.

• 1:18:06Speaker 03

  Mildly. I mean, just like-

• 1:18:08Caleb Hammer?

  Tell me!

• 1:18:09Speaker 03

  It wasn't full-on scammy. It was just... The host made it seem like there were gonna be a lot of people there and it was gonna be a lot of networking and connections and stuff. Made it seem like sixty to eighty of us were all gonna like congregate in this hotel and have dinners together and co-work and the... Cause Colombia in Medellin has a big coworking culture.

• 1:18:28Caleb Hammer?

  What'd you call me?

• 1:18:31Caleb Hammer?

  Keep going.

• 1:18:31Speaker 03

  It's called Medellin. It's in the city. And...

• 1:18:35Speaker 03

  She... So I fly there three days earlier than her to kinda just get a lay of the land and-

• 1:18:40Caleb Hammer?

  Convert the locals, yep.

• 1:18:41Speaker 03

  Oh, for sure. And she got there and it was her and her boyfriend. And I was the only one that had paid to be on the trip. So it was like... I didn't get as much as I would have hoped to get out of the trip, cause I wanted to run retreats one day. And I wanted to... She told me she would take me under her wing and like kind of be a mentor throughout the experience, but it just didn't give that feel. So, I mean, I still had fun. Like, it was a great experience. We did a lot of cool stuff, but-

• 1:19:14Caleb Hammer?

  Okay.

• 1:19:15Speaker 03

  Yeah. And I did work-

• 1:19:16Caleb Hammer?

  Chase Ink card, what's going on with this? You're purchasing more than you're putting towards the buy far. You purchased $119.55. You owe $8,945.32 with a minimum monthly payment of $89. What's going on with this?

• 1:19:27Speaker 03

  That was the card that I put all of my bills on after I left doing fanfics and there are still some lingering monthly-

• 1:19:38Caleb Hammer?

  Why couldn't you, until you got a new job, just try to like... Post pictures you didn't post? Like, get the agency to do everything, so you didn't think about it, and then once you landed a place, then just step away.

• 1:19:47Speaker 03

  I really thought. I had full conviction, okay? So when I-

• 1:19:51Caleb Hammer?

  But yeah, but you have full conviction on a lot of things.

• 1:19:54Speaker 03

  Right.

• 1:19:55Caleb Hammer?

  So, working?

• 1:19:55Speaker 03

  No. When I, in the springtime, I was doing fanfics, my business coach wanted to start a school community with me to help for like women empowerment.

• 1:20:06Caleb Hammer?

  What are you doing, man? You're just so much random bull-

• 1:20:10Speaker 03

  That was a huge issue, but I still have the school community. It's a little bit different now, but I had the vision that I would leave Fanfic and then all of a sudden my school community, which is also $10 a month, would just ramp up because she had, she was the admin of a couple Facebook groups of women who she said would be a good target audience. So we were gonna market my school community to them. And she told me that through email marketing.

• 1:20:42Caleb Hammer?

  Do you even know what you want to do? Are you gonna last in your current job for long? Or are you just gonna switch to something else? I feel like you're all over the place constantly.

• 1:20:47Speaker 03

  I what? Yes, I love my job.

• 1:20:50Caleb Hammer?

  Which you've been doing for how long?

• 1:20:51Speaker 03

  I've been a dietitian since 2022.

• 1:20:54Caleb Hammer?

  This job, though, specifically?

• 1:20:56Speaker 03

  February.

• 1:20:57Caleb Hammer?

  Of this year?

• 1:20:57Speaker 03

  Yes.

• 1:20:58Caleb Hammer?

  Right, okay, yeah, let's see how long this lasts. It looks like you got EZ Pass on here. I don't know if I'm doing tolls in your situation. And then Chewy, that's fine. But again, on a card that is, you said a now accruing interest, right? Yeah, now accruing interest. Well, in one day, tomorrow. It starts accruing interest tomorrow.

• 1:21:18Speaker 03

  I just, yeah.

• 1:21:19Caleb Hammer?

  Tomorrow from the day we're filming this. Eight, almost, basically $9,000. That's crazy.

• 1:21:25Speaker 03

  That was all like September, October. I went on a sabbatical.

• 1:21:29Caleb Hammer?

  Oh, IRS. Oh, this is, oh, this is 2024's debt?

• 1:21:33Speaker 03

  Yes.

• 1:21:33Caleb Hammer?

  The Fansly debt, not Fansly, Fanfic. Okay, there's so many out there.

• 1:21:37Speaker 03

  Yeah.

• 1:21:38Caleb Hammer?

  Only Hams. I'm starting Only Hams. You can be a creator on Only Hams. Sign up and you have to post pictures of well-cooked hams.

• 1:21:45Speaker 03

  Ooh. I told you I ate pork.

• 1:21:49Speaker 00

  Now streaming on Paramount Plus. I'm Dexter Morgan. I've been killing killers for half my life. It gets to you. You're having a midlife crisis. I'm not ready for that. He's back. I'm older. I'm wiser. And sharper than ever. Things are gonna get messy. But if I can't believe in myself, I can't believe in anything. Dexter Resurrection. New season now streaming on the Paramount Plus Premium Plan.

• 1:22:19Caleb Hammer?

  Okay.

• 1:22:22Caleb Hammer?

  Why are you so defensive about your pork? Yeah, have some bacon. I don't care. Fuck you. What?

• 1:22:26Speaker 03

  Fine.

• 1:22:27Caleb Hammer?

  Are you allowed to say a swear?

• 1:22:30Speaker 03

  I choose not to.

• 1:22:32Caleb Hammer?

  When was the last time you said a swear and what was it?

• 1:22:34Speaker 03

  S H I T. A few weeks ago. Or like, no, like a week ago.

• 1:22:39Caleb Hammer?

  So angry.

• 1:22:40Speaker 03

  I was, I was just talking, yeah. And it, I said it.

• 1:22:45Caleb Hammer?

  Oh, naughty girl.

• 1:22:46Speaker 03

  I admit. Oh, my gosh. Terrible.

• 1:22:49Caleb Hammer?

  What'd you do? How'd you punish yourself?

• 1:22:51Speaker 03

  Didn't.

• 1:22:52Caleb Hammer?

  Hmm, there's still time.

• 1:22:53Speaker 03

  Okay.

• 1:22:54Caleb Hammer?

  IRS, that $12,487 still owed. This is crazy. And what's your minimum monthly payment? Yeah, we got penalties and interest like crazy.

• 1:23:03Speaker 03

  I'm paying $1,120 a month until May of next year.

• 1:23:09Speaker 03

  Yeah.

• 1:23:10Caleb Hammer?

  This is fucking wild. And you just weren't expecting it at all? Taxes to pay taxes last year?

• 1:23:17Speaker 03

  I was. I paid quarterlies twice.

• 1:23:19Caleb Hammer?

  Well, twice?

• 1:23:21Speaker 03

  Not.

• 1:23:22Caleb Hammer?

  Well, you're after four. That's why they're a quarter.

• 1:23:24Speaker 03

  Yep. And so then when the hurricanes came through, they said you don't have to pay them until February of 2025. And then by then, I still didn't have the money to pay them. So I just waited till tax season to find out what my total was. And then I said, oh, well, I can't that either. So at least I am paying something.

• 1:23:41Caleb Hammer?

  Yeah, with interest and penalties. This is crazy. I just don't want this to happen again on any of your independent stuff.

• 1:23:47Speaker 03

  It won't.

• 1:23:49Caleb Hammer?

  Listen, I'll get you a course careers certification and accounting. So when you run a business, you can at least fucking do this, get trained up. A lot of people have uses to boost their income and get better jobs in the audience, but you'll do that. And again, what did, what didn't you have? Did you have tax money sitting aside at all?

• 1:24:04Speaker 03

  No.

• 1:24:05Caleb Hammer?

  Because even like that, like next time that happens, it's like, again, just put it in something like, even if you like sign up for Weebull, you can set it there and it's like at an 8% interest rate temporarily. It's like an incredible place to just put your money. They boost the APY and there's signup bonuses and all that. Like you could have been milking this, setting aside money for taxes and then you pay it and then you made something on the money that aside.

• 1:24:27Speaker 03

  I did for 2022 and 2023.

• 1:24:30Caleb Hammer?

  And then the hurricane. They didn't even do anything?

• 1:24:33Speaker 03

  To my, my house.

• 1:24:34Caleb Hammer?

  Actually, no, it did hit West Florida hard last year. I remember that, right?

• 1:24:37Speaker 03

  There were two.

• 1:24:38Caleb Hammer?

  Yeah, cuz I remember seeing Penguin Zero. I think he like lost another, he's a YouTuber.

• 1:24:43Speaker 03

  There was a lot, a lot of people lost homes. I was not one of them.

• 1:24:47Caleb Hammer?

  He was losing power. I think he was streaming during the hurricane too. It was kinda crazy.

• 1:24:49Speaker 03

  Yeah.

• 1:24:50Caleb Hammer?

  Um, yeah, fair enough. Is that all your debt?

• 1:24:53Speaker 03

  Uh, yes. Six credit cards, two [BLEEP] is the IRS.

• 1:24:58Caleb Hammer?

  And we're just picking up everything and moving.

• 1:25:00Speaker 03

  Yeah.

• 1:25:01Caleb Hammer?

  Just unprepared. Okay. Cuz it's gonna cost money to move, right? You're probably packing up [BLEEP] moving.

• 1:25:06Speaker 03

  I'm just packing up my 4Runner. And my dog.

• 1:25:09Caleb Hammer?

  That's a way to do it. It's a cheaper way to do it. That's how I moved to Austin seven years ago. Uh, you don't have to do the thousands of dollars to move like so many people do. Just [BLEEP] can move. If you're starting a new life, just start a new life.

• 1:25:20Speaker 03

  Yeah. Eighteen miles per gallon isn't great for the drive, but it'll make do.

• 1:25:25Caleb Hammer?

  It's still better than packing up a whole truck and, or moving company even worse and whatnot. Okay, checking account down from, look at the starting number on your checking account from last month. What is it?

• 1:25:38Speaker 03

  Six hundred sixty-six dollars and eighty-two cents.

• 1:25:40Caleb Hammer?

  That's crazy!

• 1:25:41Speaker 03

  Whoa!

• 1:25:42Caleb Hammer?

  Ended with two hundred fourteen dollars. We didn't got some bull [BLEEP], got some Chipotle, bad mother, whatever the [BLEEP] that is. Bad mothers, Zellin' out money, Zellin' out money, Venmoin' out money, Venmoin' out money? Zaza Cuban, Zaza Cuban, Hulu Plus, Spotify, Zellin' out money, Med Worm, Zellin' out money, Kava? Oh, what the [BLEEP]? It's so much bullshit sounding when you have debt that you can't pay and you're trying to make this big move. Why? Why? Why are you spending so much on bull [BLEEP]? And going out to E was almost four hundred dollars. Miscellaneous bull [BLEEP] was basically four hundred fifteen dol- four hundred fifty dollars.

• 1:26:19Speaker 03

  Yeah.

• 1:26:19Caleb Hammer?

  Like, that's almost a thousand dollars of bull [BLEEP].

• 1:26:22Speaker 03

  Yeah. I guess I couldn't keep track.

• 1:26:25Caleb Hammer?

  Well, keep track. Use a budgeting app. It's as easy as that. I mean, you get a free one here, so.

• 1:26:29Speaker 03

  I'm looking forward to it.

• 1:26:31Caleb Hammer?

  Yeah.

• 1:26:31Speaker 03

  I can just, I track my fixed expenses and then my variable and whatever I choose to spend, I did not track.

• 1:26:42Speaker 03

  At all. And the problem was, I was putting a lot on credit cards just continuously. And I've made a commitment to myself that I'm going to just spend on my regular personal checking from here on out. If I don't have money, I'm not spending.

• 1:26:57Caleb Hammer?

  So in this close partner, we get 1,379, again, down from over 2,000. So we're just headed down. This is just transfers back and forth, and we got a service fee of monthly. And $69 in this account, down from 511.

• 1:27:12Speaker 03

  Yeah. It's a grim situation.

• 1:27:16Caleb Hammer?

  Yeah, it's Canva, PayPal, out money. We don't have savings. We don't have anything.

• 1:27:20Speaker 03

  Nope.

• 1:27:22Caleb Hammer?

  Okay, let's see if we can make a budget. I'm sure we can. And we're gonna budget this in the fourth worst situation. I'm not gonna write in the cost of the house, your house, because I'm gonna consider that just a, you know, break even. So I'll cross it out. I mean, obviously, you owe on the debt. In the mom's, I don't know. What the do we do with that?

• 1:27:42Speaker 03

  Any advice?

• 1:27:44Caleb Hammer?

  Well, you've already like promised it to like, yeah, we want to get her out as soon as possible.

• 1:27:48Speaker 03

  Yeah.

• 1:27:49Caleb Hammer?

  I mean, I would at least try to break even on rental. I don't know about short term. It's not really where we are.

• 1:27:56Speaker 03

  Yeah, still needs a few renovations before we do that. Mild, but still.

• 1:28:02Caleb Hammer?

  Total income, $6,000. What's your new rent?

• 1:28:05Speaker 03

  1,300.

• 1:28:07Caleb Hammer?

  Uh, what about utilities and all that?

• 1:28:09Speaker 03

  It'll probably be about 150.

• 1:28:13Caleb Hammer?

  Okay, let's get your debt minimums and payments. I don't know what to calculate when it comes to your mom's house. Maybe I'll say, just to average it out, I'll give you like $1,000 to that.

• 1:28:24Speaker 03

  Yeah.

• 1:28:25Caleb Hammer?

  Well, like, what the, because you're not gonna like just lose it, right? You'll make the payment. Like, what else? What other option is there?

• 1:28:30Speaker 03

  If I have to, absolutely.

• 1:28:32Caleb Hammer?

  No student loans?

• 1:28:33Speaker 03

  Nope.

• 1:28:34Caleb Hammer?

  Did you go to college?

• 1:28:35Speaker 03

  I did.

• 1:28:36Caleb Hammer?

  Okay, debt minimums of payments, we're gonna call it $2,640. But again, it's a weird situation. Phone bill?

• 1:28:42Speaker 03

  I don't, that's the one thing my dad still pays for.

• 1:28:45Caleb Hammer?

  Okay, if you ever have to, I would do helium.

• 1:28:47Speaker 03

  Okay.

• 1:28:48Caleb Hammer?

  If T-Mobile's good in your area. It's a good way to get it for like 15 bucks. Okay. Gas, gas, vroom, vroom, drive, drive. How much?

• 1:28:56Speaker 03

  Like 160 a month?

• 1:28:58Caleb Hammer?

  Not that bad. Uh, car insurance?

• 1:29:01Speaker 03

  191.

• 1:29:02Caleb Hammer?

  $300 for groceries, you can do it. I don't know if there's HEB there, but that's what we've used to prove it. You just have the meal prep, meal prep, meal prep. Use that microwave to warm it back up. TP fund, anything else you need to survive? Tampons for all your period content. Um, $100 should be good. Medical, healthcare, any copays on a monthly basis required?

• 1:29:23Speaker 03

  Nope.

• 1:29:23Caleb Hammer?

  Okay, you have a gym?

• 1:29:25Speaker 03

  I do, it's 20 bucks a month.

• 1:29:28Caleb Hammer?

  Good. Subscriptions, I'll try to give you 30 dollars. Pet insurance, what was that, 80 bucks, I think? I saw in there.

• 1:29:34Speaker 03

  77.

• 1:29:35Caleb Hammer?

  How much for dog food?

• 1:29:36Speaker 03

  Uh, 350 a month.

• 1:29:40Caleb Hammer?

  That's insane, it's more than you?

• 1:29:42Speaker 03

  Yes.

• 1:29:43Caleb Hammer?

  And we'll say 77 for the pet insurance, huh? Okay, well that's, well, are you able to cut that down? Like, I don't know. I don't want you to not provide them good, but are you going to an extreme that is unnecessary?

• 1:29:54Speaker 03

  I feed him half raw, half.

• 1:29:57Caleb Hammer?

  And is that necessary?

• 1:30:00Speaker 03

  I will sacrifice.

• 1:30:02Caleb Hammer?

  Kibble's good for their teeth.

• 1:30:03Speaker 03

  True, so he, he gets that.

• 1:30:05Caleb Hammer?

  Oftentimes, they recommend, even many vets these days are recommending kibble over soft.

• 1:30:10Speaker 03

  I was spending 400 a month, and that's me scaling it back. I, yeah, depending, it'll be like 300 or 350, but.

• 1:30:18Caleb Hammer?

  We can fit it, even with your mom weird situation, and I'm putting 1,000 aside for that, I don't know. Monthly basis, 5,318 dollars, so.

• 1:30:29Speaker 03

  But then my minimum?

• 1:30:31Caleb Hammer?

  That's with your minimum payments, including 1,000 for the mom's house.

• 1:30:35Speaker 03

  Okay.

• 1:30:36Caleb Hammer?

  Crossing out your mortgage, because someone's covering the rent. 862 dollars left, bad debt. Okay, we got it, let's minus the, well, I mean, the mortgages aren't great rates, but maybe when values goes up and rates go down, you can. Refinance to a lower rate.

• 1:30:52Caleb Hammer?

  Forty-two thousand, eighty dollars of bad debt. Six hundred eighty-two bucks on a monthly basis, sixty-one months. Five years to pay it off. I think you could, you know, you'll continue to bring in more money. I think you'll bring that down to about

• 1:31:07Caleb Hammer?

  four years. I think you'll be out of debt. I have a fully funded emergency fund in about four years, I would bet. If you actually budget and go, you know, hard and go, go crazy.

• 1:31:16Speaker 03

  I guess there's not much to do in Fort Worth anyway.

• 1:31:18Caleb Hammer?

  True. Once a year, there's some exciting thing that everyone likes. Other than that, you can drive on the highway.

• 1:31:24Speaker 03

  What do I pay down first? What, what makes sense? I don't know. Is there a strategy to this?

• 1:31:29Caleb Hammer?

  I would just go smallest to largest. Balance is for you to stay motivated along the way, since you haven't done it before. Yeah.

• 1:31:36Speaker 03

  Okay.

• 1:31:37Caleb Hammer?

  Other than that, that's, that's what I'm focusing on.

• 1:31:39Speaker 03

  I appreciate it. I appreciate your time.

• 1:31:42Caleb Hammer?

  All right, ladies and gentlemen, I'll give her her Hammer Financial Score. But make sure you come join us in the post-show. It'll be fun. It always is. Join Hammer Elite. I'll see you guys there. But the financials, Hammer Financial Score, spending your budget. Technically, no, you spent more than you brought in. We saw, so zero out of ten debt. The mortgage situation's weird and you're not paying it. And I rest it. There it is. Zero out of ten. Emergency fund, no savings, zero out of ten. Retirement, I didn't say, zero out of ten. Real estate's the only thing that's carrying us, but you would at best break even selling both places. The interest rates aren't great. One's kind of renting, but not in a cash flow position. Especially with heading money aside, it's weird. It's, this isn't great. It's very middle of the road. Five out of ten.

• 1:32:25Caleb Hammer?

  So Hammer Financial Score is gonna be a one out of ten. Click that join button. Join Hammer Elite for three premium shows posted every single day. Monday through Friday, including the post-show and extra twenty minutes of this episode. I'll see you there. Last week, you borrowed money from your dad.

• 1:32:37Speaker 03

  I did.

• 1:32:38Caleb Hammer?

  For [bleep] why?

• 1:32:39Speaker 03

  But I had auto draft and they took out my mortgage payment.

• 1:32:42Caleb Hammer?

  Right before coming on the show, you said, oh, I'm good for the last month. Now you come on the show and you borrow money from dad? What the [bleep] is going on? Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:33:00Speaker 06

  What's the secret to being a great host this season? Keeping things deliciously simple. Like mixing Simply Cranberry into a festive drink as guests arrive. Or serving up a warm mug of Simply Apple on a chilly night. That means less time behind the scenes and more time in the moment with everyone. Crafted with real fruit, Simply juices and fruit drinks make any holiday drink effortless, inviting, and completely delicious. Simply. Say yes to simple.