$60,000+ For New Boobs | Financial Audit

▶ wowwww wild post show. I call her BF, and he has noooo idea how bad this is. He's questioning the whole relationship now that she's exposed... watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ *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/ ▶▶▶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 Try Rocket Money for free: https://RocketMoney.com/caleb ___________________________________________ ▶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 $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 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 11:06 excuses excuses excuses 24:39 the math is not mathing 33:10 thats f*cking wild lol 47:00 what a ridiculous number 01:04:30 taco bell isnt even good… 01:15:00 Budget!! ___________________________________________ ▶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

  At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.

• 0:15Speaker 01

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• 0:45Caleb Hammer?

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

• 0:48Speaker 03

  What's it like to be God's favorite?

• 0:50Speaker 01

  Good. It's also some discipline in there.

• 0:52Caleb Hammer?

  What happened a few days ago?

• 0:54Speaker 03

  What happened a few days ago? What do you mean?

• 0:55Caleb Hammer?

  [bleep] me.

• 0:57Speaker 03

  What are you asking?

• 0:58Caleb Hammer?

  You got evicted?

• 1:00Speaker 03

  I was trying to make a decision, and you don't like it. That's fine.

• 1:02Caleb Hammer?

  I don't like it. Matt doesn't like it.

• 1:04Speaker 03

  Whatever, dude. Okay, so, I know, I know, I know, I know.

• 1:09Caleb 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.

• 1:31Speaker 03

  Hi, I'm Bianca. I'm 31, and I live in Austin, Texas.

• 1:37Caleb Hammer?

  And this is Financial Audit. Yes, sir, is. And thanks for coming over to Financial Audit. It's rare to get someone in Austin these days. We just get people from all over the country. But I appreciate you taking the drive in. So, what do you do here for a living?

• 1:51Speaker 03

  I'm a bartender.

• 1:52Caleb Hammer?

  At 31? Okay.

• 1:57Caleb Hammer?

  Well, it just sounds like more of a temporary job.

• 1:59Speaker 03

  Okay, well, it's only been like three years. It's more money than I was making before.

• 2:05Caleb Hammer?

  Okay, yeah, again, I mean, it all comes down to the financial, right? If we're just talking about like the perception of it, sounds like more of a temporary job. But if it's not, if you're able to do it forever and you're making a [BLEEP] on [BLEEP], let's go, right?

• 2:16Speaker 03

  Yeah.

• 2:16Caleb Hammer?

  So what are you making?

• 2:17Speaker 03

  Um, I bring it. So I just started this job now at about two months ago. Um, it's about nine fifty a week after taxes.

• 2:25Caleb Hammer?

  Okay, actually that in Austin, times that by fifty-two, divided that by four, talking net four thousand one hundred seventeen bucks.

• 2:36Speaker 03

  Sounds all right.

• 2:37Caleb Hammer?

  On average, okay, so Austin, Texas, listen, I mean, rent's gotten better in Austin because we actually built things in like other places. It's no longer the most expensive city in Texas when I started the show. How you doing? Because that should, you know, that should be a pretty, you should be doing, you should, you should be surviving. You should be doing a little more than surviving.

• 2:56Speaker 03

  Um, yeah, I'm scraping by it. I, my rent is pretty reasonable. Um, it's all of the debts that I accrued over the last few years.

• 3:06Caleb Hammer?

  Few years, but you said you've been in this job for three years.

• 3:08Speaker 03

  I.

• 3:09Caleb Hammer?

  Which is a better paying job than you've been in.

• 3:11Speaker 03

  Yeah, well, I also have some stuff happened a few years ago and then I just racked up all my credit cards. And now I have to pay for them.

• 3:21Caleb Hammer?

  What happened a few years ago besides the boob job?

• 3:23Speaker 03

  Uh, boob. Bad breakup, so then.

• 3:27Caleb Hammer?

  Ah, and that's why we got the boob job, right?

• 3:30Speaker 03

  No, I got the boob job before. But like two months before, financed that and then also bought a car and a hot tub.

• 3:38Caleb Hammer?

  Bad breakup equals hot tub?

• 3:41Speaker 03

  Well, I bought, no, okay, so that was before the breakup. I bought a hot tub, financed that, got a boob job, financed that, and then also bought a car. So I would sign up.

• 3:49Caleb Hammer?

  Hot tub, what? Do you have a house?

• 3:52Speaker 03

  Um, I did. I don't have the hot tub anymore.

• 3:54Caleb Hammer?

  You had to sell a used hot tub.

• 3:56Speaker 03

  No, he still has it.

• 3:58Caleb Hammer?

  Even though you bought it and financed it?

• 3:59Speaker 03

  Yeah, he makes the payments on it.

• 4:01Caleb Hammer?

  Why's your tongue doing this in your mouth?

• 4:03Speaker 03

  I'm nervous.

• 4:04Caleb Hammer?

  Okay. I've just never seen a person do that before.

• 4:07Speaker 03

  Okay, fine, also.

• 4:08Caleb Hammer?

  It's okay. I was just curious. I was like, what's going on in there? Like? What do you mean by that? Okay, so you're saying a lot of this has to do with the bad breakup, though?

• 4:18Speaker 03

  No, I financed all of that when I was in a better financial position because

• 4:21Caleb Hammer?

  Because of the breakup.

• 4:22Speaker 03

  And then the breakup.

• 4:24Caleb Hammer?

  So relied on his income heavily?

• 4:26Speaker 03

  No, I was paying for it, but like my expenses were not as much as they are when I have to do it all on my own.

• 4:31Caleb Hammer?

  Because you were relying on, yeah, him to split bills and whatnot?

• 4:34Speaker 03

  Yeah, okay, yeah, I guess.

• 4:36Caleb Hammer?

  So, yeah, so when was the breakup, then?

• 4:38Speaker 03

  May of 22.

• 4:39Caleb Hammer?

  So why wouldn't you adjust within three years over at this point, three years over three years? The fact that, oh, bills are a little more expensive.

• 4:48Speaker 03

  Um, well, we had like a really nice house and so I had to change my lifestyle and I didn't want to do that. I thought I could afford more than I did.

• 4:58Caleb Hammer?

  What did you think you could afford?

• 5:00Speaker 03

  I don't know.

• 5:01Caleb Hammer?

  You don't know?

• 5:02Speaker 03

  Well, I knew that I could afford.

• 5:03Caleb Hammer?

  What was your job at that time?

• 5:05Speaker 03

  Well, I was still in tech at that time.

• 5:07Caleb Hammer?

  Tech's usually money, but you're saying you're making more as a bartender now?

• 5:10Speaker 03

  Okay, so I was, the first tech job, I was only making like 36K a year. And then I started another job, I was making about 65.

• 5:22Speaker 03

  Don't yell at me.

• 5:22Caleb Hammer?

  You are not scraping by. I just got a note. Okay. Hey, what happened a few days ago?

• 5:29Speaker 03

  What happened a few days ago?

• 5:32Speaker 03

  What do you mean?

• 5:32Caleb Hammer?

  In your own personal life, you don't know? You got evicted?

• 5:38Speaker 03

  She asked me to leave or get rid of my dogs. And I was like, well, I'm not getting rid of my dogs.

• 5:42Caleb Hammer?

  So it wasn't a financial thing?

• 5:44Speaker 03

  No, it wasn't a financial thing. She didn't want the dogs there anymore.

• 5:47Caleb Hammer?

  Okay, so that's also gonna put you in a weird situation, right?

• 5:50Speaker 03

  Yeah.

• 5:51Caleb Hammer?

  What is your living situation about to be?

• 5:54Speaker 03

  Um, so I just moved into a different place.

• 5:57Caleb Hammer?

  Okay.

• 5:58Speaker 03

  Same area.

• 5:58Caleb Hammer?

  Rent stayed the same?

• 6:00Speaker 03

  Cheaper.

• 6:01Caleb Hammer?

  Okay.

• 6:02Speaker 03

  So that was good, right?

• 6:03Caleb Hammer?

  Guess that's not bad. I guess.

• 6:04Speaker 03

  Yeah, it's like $300 a month cheaper.

• 6:06Caleb Hammer?

  I mean, it sucks to move.

• 6:08Speaker 03

  Yeah. And make deposits every couple of months.

• 6:11Caleb Hammer?

  Well, that sucks and it's still expensive to move specifically, but okay. So what is going on right now? What are we talking about?

• 6:19Speaker 03

  Um, the main thing is I feel like I'm scraping by because I'm trying to pay off all of this debts.

• 6:25Caleb Hammer?

  Why did you accrue the debt specifically in your own recollection, your own? What's going on in your life, you know?

• 6:32Speaker 03

  After my life fell apart in 2022, I just was trying to go out and have fun and do things.

• 6:40Caleb Hammer?

  And you're not anymore?

• 6:41Speaker 03

  Um, I still do a little bit, just not on credit cards.

• 6:43Caleb Hammer?

  Not on credit? You don't spend anything on debt?

• 6:46Speaker 03

  I don't.

• 6:46Caleb Hammer?

  What was your other? What the?

• 6:48Speaker 03

  Can't put anything.

• 6:48Caleb Hammer?

  Other large purchases? We had $3,823. All your credit cards are in collections?

• 6:53Speaker 03

  Yeah.

• 6:54Caleb Hammer?

  Is all your debt in collections?

• 6:56Speaker 03

  Not all of it. A lot of it, though, the big ones.

• 6:58Caleb Hammer?

  Why?

• 6:59Speaker 03

  Because I wasn't paying on it because it racked up so much that I couldn't even make the minimum payments.

• 7:04Caleb Hammer?

  I mean, going out to eat alone was $500 last month, but again, other large purchases? It's almost $4,000.

• 7:11Speaker 03

  $500 is less than I thought it would be actually.

• 7:13Caleb Hammer?

  Right. And that's you fixing it?

• 7:17Caleb Hammer?

  That's you getting it under control?

• 7:20Speaker 03

  I guess.

• 7:22Caleb Hammer?

  Okay. Well, you had a miscellaneous bull and $300.

• 7:27Speaker 03

  Miscellaneous bull?

• 7:28Caleb Hammer?

  Yeah, just like it could be, I don't even know what it is yet. It could be Spotify premium. It could be Xbox gives. I don't know what you do. I haven't been through your finances.

• 7:35Speaker 03

  My money I do know outside of bills.

• 7:37Caleb Hammer?

  And we know you got $30,000 of bad debt.

• 7:40Speaker 03

  Yeah.

• 7:42Caleb Hammer?

  Yeah. Oh, okay. And then, okay, sure. Maybe it wasn't a technical eviction, but it looks like you owe two previous landlords a ton of money.

• 7:50Speaker 03

  Yeah.

• 7:51Caleb Hammer?

  For what?

• 7:52Speaker 03

  Um, those were also dog related.

• 7:54Caleb Hammer?

  What are you doing with these dogs? What are you talking about? I've never had an issue with dogs.

• 7:58Speaker 03

  Yeah. Well, one of them I got when he was eight and so, and he was not like super well trained. Um, like he's sweet, but he, he likes to eat holes in walls.

• 8:08Caleb Hammer?

  Well, that's not good. I don't think if you

• 8:10Speaker 03

  And I've

• 8:11Caleb Hammer?

  If it's not your property.

• 8:13Speaker 03

  Yeah, no, it's not ideal.

• 8:15Caleb Hammer?

  We could also do training.

• 8:18Speaker 03

  Mm-hmm.

• 8:19Caleb Hammer?

  How many times have you moved this year?

• 8:21Speaker 03

  Three.

• 8:21Caleb Hammer?

  This year, three times?

• 8:23Speaker 03

  Yeah, so I was in my first apartment. I moved in in January and then moved into the house that I just moved out of.

• 8:29Caleb Hammer?

  Cause that can't be cheap. Having to constantly move all your [BLEEP]. How many dogs you got?

• 8:35Speaker 03

  Just two.

• 8:35Caleb Hammer?

  But one just endlessly destroys things?

• 8:38Speaker 03

  He has anxiety.

• 8:39Caleb Hammer?

  Great, so he needs to be kennel chained. No, that's on you.

• 8:42Speaker 03

  Well, I put him in a kennel. At one point, he broke out of it.

• 8:45Caleb Hammer?

  You have to get a better kennel. This is on you.

• 8:47Speaker 03

  I looked into a better kennel.

• 8:48Caleb Hammer?

  You are the dog owner!

• 8:49Speaker 03

  I know, but I looked into a better kennel, though. Like indestructible ones are like a thousand dollars.

• 8:53Caleb Hammer?

  Yeah, and how much have you spent on moving this year?

• 8:56Speaker 03

  It's...

• 8:56Caleb Hammer?

  Shut the [BLEEP] up.

• 8:57Speaker 03

  Well, okay. I don't want to put them in a kennel.

• 9:00Caleb Hammer?

  Want to? Then you can't manage them correctly. Then you are not a responsible dog parent.

• 9:05Speaker 03

  Okay. You haven't met my dogs.

• 9:08Caleb Hammer?

  Uh, but you've been kicked out constantly because they're chewing holes in walls and you're not able to either train, or sedate, or get any kind of kennel training. Kennel training, you don't want to. Kennel training is actually a very healthy and normal, good thing for a dog. Kennel training.

• 9:24Speaker 03

  But it's, I mean, I feel like it's kind of cruel to have a 12-year-old dog that has never been in a kennel and then suddenly put him in a kennel.

• 9:30Caleb Hammer?

  First of all, you said eight.

• 9:31Speaker 03

  Well, I have a nine-year-old and a 12-year-old.

• 9:34Caleb Hammer?

  And the 12-year-old's the one that's breaking the world?

• 9:36Speaker 03

  Yes, I got him when he was eight.

• 9:37Caleb Hammer?

  Okay, and it's unfair to keep moving them and them potentially eating dangerous hazardous materials by chewing in the wall? That's a good thing?

• 9:46Speaker 03

  I mean...

• 9:47Caleb Hammer?

  I mean, my dog, I've had to do like three surgeries because she keeps eating things that dogs shouldn't eat. And she has to wear a muzzle when she's not in sight of me, direct sight?

• 9:56Caleb Hammer?

  Well, that's humane of just keeping her alive.

• 9:58Speaker 03

  Okay, but I also don't want them getting hurt when they're getting, if they're able to get out of the kennel.

• 10:04Caleb Hammer?

  They wouldn't be in that good kennel you just talked about. Or have a dog sitter, something.

• 10:11Speaker 03

  Okay, but that, okay.

• 10:12Caleb Hammer?

  You're right, you probably couldn't afford that, but you have to do something. All you've done is given up and you just allow them to destroy every apartment you're in. And clearly, that is not an option that is working.

• 10:20Speaker 03

  Like, spend a lot more time at home, take them out more, it's a thousand...

• 10:22Caleb Hammer?

  No matter what you work.

• 10:24Speaker 03

  Yeah.

• 10:25Caleb Hammer?

  And bartending is not remote.

• 10:26Speaker 03

  Right.

• 10:27Caleb Hammer?

  So you will be leaving the house regardless. How many hours a week do you work?

• 10:30Speaker 03

  Forty.

• 10:32Caleb Hammer?

  So spending more time at home is you're just saying you're not going out and hanging out with friends as much, which you have 40 hours a week at work.

• 10:38Speaker 03

  Well, yeah, I mean, like I work long days, Saturdays and Sundays, but Monday, Tuesday, I'm off with them. I take them out.

• 10:43Caleb Hammer?

  Congratulations. You still have 40 hours a week at work that we are not actually fixing.

• 10:49Speaker 03

  Okay, so.

• 10:51Caleb Hammer?

  So we're gonna move a fourth time this year here in a little bit.

• 10:54Speaker 03

  I hope not.

• 10:54Caleb Hammer?

  Well, with your pattern, probably.

• 11:00Caleb Hammer?

  This is irresponsible dog parenting and it's irresponsible tenetine.

• 11:06Speaker 03

  Okay.

• 11:07Caleb Hammer?

  You disagree? How? You're getting kicked out of places endlessly, left and right.

• 11:15Speaker 03

  Okay, well.

• 11:16Caleb Hammer?

  You're definitely not in a position to buy a property, that's for sure.

• 11:19Speaker 03

  Oh, God, no. They didn't use to.

• 11:23Caleb Hammer?

  Care if their walls got destroyed?

• 11:24Speaker 03

  No, no, no, they didn't use to do that. Like when I had like two through walls.

• 11:28Caleb Hammer?

  Congratulations, they do now and you have to figure it out.

• 11:33Speaker 03

  Okay, I will. I just.

• 11:35Caleb Hammer?

  You haven't. No, you've been kicked out, moving place to place.

• 11:37Speaker 03

  Okay, well, yeah, well, maybe I'll just fix it now, I guess, but they. It's also hard to get them out and like get their energy out when it's 1,000 degrees out here.

• 11:49Caleb Hammer?

  And yet the rest of us do it.

• 11:51Speaker 03

  Okay, well.

• 11:52Caleb Hammer?

  Guess who else has two dogs? Large dogs, very energetic dogs. In fact, the breed that need to run and zoom and go crazy.

• 11:59Speaker 03

  Okay, but like it's also really hard to like get them out to a place like I, as you will see, I do not have a vehicle, so.

• 12:05Caleb Hammer?

  Uber in with dogs. We've done it.

• 12:09Speaker 03

  I know, and I do that with them whenever I can.

• 12:11Caleb Hammer?

  There we go. I have solved your issue.

• 12:13Speaker 03

  It's also more expensive to Uber with dogs.

• 12:15Caleb Hammer?

  It certainly is, but you have no method of transportation. Shut the up.

• 12:20Speaker 04

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• 12:50Speaker 03

  Okay, well, I'll take them.

• 12:53Caleb Hammer?

  So you're just incapable of doing anything? Because all I hear is, "I can't, I can't, I can't, I can't."

• 12:58Speaker 03

  Well, okay, when I'm like running out of money into like, I'm like, I have to Uber to work.

• 13:01Caleb Hammer?

  Why are you running out of money? If everything's in collections, your minimum payment should be relatively low.

• 13:05Speaker 03

  Well, I'm paying everything, so I, it's like a debt relief thing, so I pay all one payment.

• 13:10Caleb Hammer?

  That's different. What's that payment?

• 13:12Speaker 03

  Five forty-four a month.

• 13:13Caleb Hammer?

  Okay, so that's, still, you're totally fine, four thousand one hundred and sixteen dollars a month net. But what's your issue? What's your rent number?

• 13:20Speaker 03

  Eight seventy-five.

• 13:21Caleb Hammer?

  Shut the [__] up. What is your problem?

• 13:23Speaker 03

  Paying deposits.

• 13:24Caleb Hammer?

  Again, it's, "I can't, I can't, I can't, I can't" on everything. That's all you are.

• 13:30Speaker 03

  Yeah, I mean, I do know that most of my money goes into, like, going out and, like, having drinks.

• 13:37Caleb Hammer?

  Uh-huh. Now, if a lot of this accrued because you wanted to live the same lifestyle that you're living with this guy before you guys broke up, I mean, that means we were probably splitting things. How far were you in this relationship if you were this splitting of bills and finances potentially combined and whatnot?

• 13:53Speaker 03

  Four years we were engaged.

• 13:55Caleb Hammer?

  You were engaged?

• 13:56Speaker 03

  Yeah.

• 13:57Caleb Hammer?

  Engaged and it ended? Who ended it?

• 13:59Speaker 03

  He did, five months before the wedding. I don't know, he's, I don't know.

• 14:02Caleb Hammer?

  Oh, come on, no, for what?

• 14:03Speaker 03

  I, I honestly, he [__] and stuff all the time, so like, I don't, like, there's not like a-

• 14:08Caleb Hammer?

  So because you were miserable to be with, or he was miserable to be with, or he was miserable being around you, I don't know?

• 14:13Speaker 03

  I was not miserable to be with.

• 14:14Caleb Hammer?

  Okay, but you guys were fighting all the time and he left. So he may have found it, whether or not he was correct or not, miserable.

• 14:20Speaker 03

  Yeah, he's a miserable person to be, so I shouldn't be miserable with anybody.

• 14:24Caleb Hammer?

  Yeah, I mean, I'm sure you're a little petty that someone broke up with you five months before marriage. So it's a little hard to take your word as a hundred percent truth.

• 14:33Speaker 03

  Okay, well, I have the screenshots to prove it, but whatever.

• 14:35Caleb Hammer?

  Again, it's the ex-employee that gets fired that always comes out and says the business they worked for was trash.

• 14:40Speaker 03

  Okay.

• 14:40Caleb Hammer?

  Not the person who leaves their own will.

• 14:43Speaker 03

  I try to make it work. I bought a hot tub.

• 14:50Speaker 03

  I thought it was working. I thought it was gonna be fine. I wouldn't have bought a hot tub to put in a house that I didn't own. But he wanted a hot tub. And I had, at the time, had better credit.

• 15:02Speaker 03

  Cause I didn't have debt.

• 15:04Caleb Hammer?

  Okay, what was your debt even going into?

• 15:06Speaker 03

  Um, the reason that all the credit cards were maxed out was because I was going out a lot more.

• 15:12Caleb Hammer?

  Was it cope?

• 15:13Speaker 03

  What?

• 15:13Caleb Hammer?

  Was it cope? Oh no, my fiance that was about to marry me?

• 15:16Speaker 03

  Yeah.

• 15:17Caleb Hammer?

  You're still coping. Look, look how you just talked and then you said you had proof and then you didn't give us any proof. Look, I mean, this is, I feel like you're still.

• 15:23Speaker 03

  I mean, I'm not gonna pull up screenshots of past texts from an ex, but you can not believe me if you want, but.

• 15:30Caleb Hammer?

  No, it's not that, but it's like, are you the reliable source, right? Again, it's the ex employee that got fired, essentially.

• 15:36Speaker 03

  Okay.

• 15:36Caleb Hammer?

  So, again, and I don't necessarily need that, but if, if we're having this conversation, we're talking about how my life fall apart after the breakup, but oh, he's the piece of even though he's the one that chose to left. It's like, you know, I'm just trying to get a little nuance in the conversation. And understand things. It's not like you were required to show. I'm not saying that, but then like, you know, where's my mind supposed to believe, right?

• 15:56Speaker 03

  I mean, I'm the one sitting in front of you. You can believe me or you can believe this person that you've never met.

• 16:02Caleb Hammer?

  I, I don't even know what he would say. What am I believing he would say?

• 16:05Speaker 03

  He would, he would be sitting here saying that, oh, she's crazy, blah, blah, blah. And then he would also make up all the about.

• 16:10Caleb Hammer?

  But he is still the one who chose to leave.

• 16:12Speaker 03

  Yeah. And then even after the breakup, he told everybody, he's like, yeah, she got all of our wedding back, our wedding money back and got her boobs done. No, we got nothing back. We got zero pennies.

• 16:20Caleb Hammer?

  Oh, and you got your boobs done?

• 16:21Speaker 03

  I got my boobs done before we broke up.

• 16:23Caleb Hammer?

  Like right before?

• 16:24Speaker 03

  Like two months. Yeah, two months before. And I financed that.

• 16:28Caleb Hammer?

  Well, you guys is not like on the same page in life?

• 16:32Speaker 03

  I was a little caught off guard, so like, I knew we were fighting, but I was like, oh, well, like, we're engaged. It didn't seem anything abnormal. You've never been yelled at in a relationship?

• 16:43Caleb Hammer?

  Yelled at?

• 16:44Speaker 03

  In a relationship, yeah. And.

• 16:46Caleb Hammer?

  Not yelled. I've also never yelled in a relationship.

• 16:50Speaker 03

  Okay. Well, congratulations. You're one of the special ones, I guess.

• 16:54Caleb Hammer?

  I, I don't, I don't think so.

• 16:56Speaker 03

  You've never yelled?

• 16:57Caleb Hammer?

  No.

• 16:58Speaker 03

  Okay.

• 17:00Caleb Hammer?

  No, I have very appropriate conversations and heated arguments when I'm dating and love someone and it's not in this show.

• 17:08Speaker 03

  Regardless, my, I made, I made financial decisions and then got out of that and.

• 17:15Caleb Hammer?

  Now, how much did you guys lose not going through the wedding?

• 17:18Speaker 03

  About 10 grand.

• 17:19Caleb Hammer?

  Out of whose wallet?

• 17:21Speaker 03

  Both of ours.

• 17:22Caleb Hammer?

  Well, like split down the middle, five?

• 17:23Speaker 03

  Yeah. We've started working, we're both in tech, started bartending on this side. So that.

• 17:29Caleb Hammer?

  Was a part of that in collections?

• 17:31Speaker 03

  No.

• 17:32Caleb Hammer?

  Now, if someone's response to being broken up with an engagement thing, which don't get me wrong, I know I'm being a little hard on you right now, but I, I would be torn up too. I'd be very sad. The only reason I went hard on it is because after he broke up with you, you were like, he's the piece of, it was like, uh, but either way, that's the only reason I went hard to be clear. So you cope spend drinking, going out, is being in a bartending setting the appropriate place to be in for the last three years post breakup? If that's where you also cope spend and exist?

• 17:59Speaker 03

  Well, it actually makes me want to go out less.

• 18:02Caleb Hammer?

  Okay.

• 18:03Speaker 03

  I mean, at first I was going out to cope, but.

• 18:06Caleb Hammer?

  Now, what is this note that I have that paid for her ex's trip to Mexico right before your ex broke up with you?

• 18:12Speaker 03

  That was for his birthday.

• 18:13Caleb Hammer?

  Whose birthday?

• 18:14Speaker 03

  His birthday.

• 18:15Caleb Hammer?

  So the ex fiance?

• 18:16Speaker 03

  Yes.

• 18:17Caleb Hammer?

  You paid for his trip right before he broke up with you?

• 18:19Speaker 03

  Yeah, a good chunk of that.

• 18:21Caleb Hammer?

  That sucks. A good chunk of it? How much did you spend on it?

• 18:24Speaker 03

  I spent, between the two of us, I spent like about 2,000 between like fights. I mean, it was.

• 18:31Caleb Hammer?

  Where are you going?

• 18:32Speaker 03

  Cabo.

• 18:33Caleb Hammer?

  Fake boobs in Cabo, hand in hand?

• 18:35Speaker 03

  It was right before the boobs.

• 18:37Caleb Hammer?

  At least you won't sink.

• 18:41Caleb Hammer?

  So before getting into these finances, you know, a big part of this conversation, I have to feel like is like, you have no way to get around, and we do not live in a walkable city by any means, and the public transportation is a little iffy. I know what part of town you live in, you have access to some bus lines, even one train line to downtown. But even still, what, what, like, how are we getting around places? What are we spending on this? Have you tried to get a car? What's going on?

• 19:03Speaker 03

  Yeah. So I Uber everywhere. My boyfriend will pick me up and do, help out anytime that he can, but he also works two jobs.

• 19:11Caleb Hammer?

  And if he leaves you, is he a horrible piece of?

• 19:13Speaker 03

  No, he's great.

• 19:15Caleb Hammer?

  Until he leaves.

• 19:16Speaker 03

  If we were to break up, it would probably be on me. But, um, see, I'm a reliable source. But no, so I Uber a lot.

• 19:25Caleb Hammer?

  What?

• 19:27Speaker 03

  I Uber a lot. He helps me out when he can. Um, I don't want to rely on that. So like if you're looking-

• 19:33Caleb Hammer?

  How often does he help you out?

• 19:34Speaker 03

  Um, at least a couple of times a week trying to get to work. And then if like when we both have a day off, he comes and picks me up and then we go hang out and then he brings me home.

• 19:43Caleb Hammer?

  Okay. And how much are you spending on Uber?

• 19:46Speaker 03

  A lot. So all like in my bank statement, so my Uber comes out through my Venmo. And so everything that says Venmo is pretty much all Uber.

• 19:54Caleb Hammer?

  Okay. And when's the last time you had a car? Do you want a car?

• 19:58Speaker 03

  Yes, obviously I want a car. Last time I had a car is about a year ago. I couldn't make the payments.

• 20:06Caleb Hammer?

  You got repo'd. You got-

• 20:08Speaker 03

  Yeah, it was like $615.

• 20:10Caleb Hammer?

  I went down this conversational train.

• 20:12Speaker 03

  Okay, well-

• 20:13Caleb Hammer?

  Oh, for [bleep] sake, I knew-

• 20:14Speaker 03

  I was trying-

• 20:15Caleb Hammer?

  The fact that you didn't have a car, I knew there had to be a reason. Listen, in Austin, everyone has a car. Oh, for [bleep] sake, what happened?

• 20:22Speaker 03

  I know a lot of people that don't have cars.

• 20:25Caleb Hammer?

  I know one person, but okay, different lives, that's fine. Okay, they got repo'd a year ago. Well, you're three years into your better paying job. What the [bleep] happened? Cause this is all, this is the-

• 20:35Speaker 03

  Well, I mean, that's the credit score. It makes it really hard to get a proof for another car.

• 20:38Caleb Hammer?

  But what happened with this repo?

• 20:40Speaker 03

  I couldn't make the payments. What do you think happens with the repo?

• 20:43Caleb Hammer?

  I'm asking why? Cause you were still making about 4,000 dollars a month. What the [bleep] are you talking about?

• 20:48Speaker 03

  Trying to pay off other debt and so to like try to-

• 20:50Caleb Hammer?

  Was that during the consolidation?

• 20:51Speaker 03

  Also-

• 20:52Caleb Hammer?

  Not the consolidation, the debt relief program?

• 20:54Speaker 03

  That was before the debt relief program.

• 20:56Caleb Hammer?

  What was your minimum monthly payments at the time in your debt?

• 20:58Speaker 03

  Um, I don't remember. It was a lot and it just like kept occurring interest. Now that it's in collections, it's not occurring interest, right? I don't think it is. So yeah, I was trying to make the payments and then I also had, still had like my apartment, where I have lived has gotten cheaper progressively, like consistently over the last three years. Like I'm in the cheapest place I've lived because I've had to have a humility check and go a little-

• 21:27Caleb Hammer?

  Have you tried to apply for any car loans or anything?

• 21:29Speaker 03

  So I did like a month ago and they, I mean, obviously with repo and like bad credit, it's going to be difficult. And then they had one, they tried for like seven banks, one approved me somehow. And then as I was waiting on the paperwork, the bank, they came back, they're like, oh, the bank pulled out. And I was like, why? And then they're like,

• 21:48Caleb Hammer?

  Yeah, because you're way too risky of a borrower. I used to track my budget with a spreadsheet and by track, I mean ignoring until my account was screaming for help. Then I found Rocket Money. Today's sponsor Rocket Money is a personal finance app that helps you manage subscriptions, lower your bills, build a budget and even save all in one place. I personally use it to cancel subscriptions I don't even remember signing up for. Like, do I really need two food delivery app subscriptions? With just a few taps, Rocket Money showed me everything I'm subscribed to and let me cancel the ones I didn't want. It even tries to give you a refund if possible. So let's talk bills. Rocket Money can negotiate to lower things like your internet or phone. No customer service calls from your end. You just upload your bill and let their team go to work. Take control of your finances today.

• 22:32Caleb Hammer?

  Go to rocketmoney.com/caleb or click the link in the description to get started for free.

• 22:36Speaker 03

  Well, and they said that their reasoning was because I had spent too much money the month before. And I'm like, oh, well, that was when I moved. So I made like $1,700 in deposits and paid rent. So like I spent like $3,800.

• 22:51Caleb Hammer?

  Why didn't you go back a month later?

• 22:52Speaker 03

  That's the plan is to do that.

• 22:54Caleb Hammer?

  This just happened?

• 22:55Speaker 03

  Yeah, that was like a month ago.

• 22:56Caleb Hammer?

  When you got approved and then it's, What were you approved for? What did that loan look like?

• 23:00Speaker 03

  It was, the car was like 20K and the payments would have been like 500.

• 23:04Caleb Hammer?

  Oh, I just sold the payment term like eight years, okay? Interest rate?

• 23:09Speaker 03

  Uh, we did not get that far.

• 23:10Caleb Hammer?

  Well, I, well, what's your credit score?

• 23:12Speaker 03

  Bad.

• 23:13Caleb Hammer?

  What's your credit score?

• 23:14Speaker 03

  I like 580.

• 23:15Caleb Hammer?

  Okay, her interest rate's gonna be like 20%. What are we doing? Hey, you make a strong.

• 23:21Speaker 03

  Like, I'm gonna, like, it's better than Ubering everywhere.

• 23:25Caleb Hammer?

  To a point, not necessarily. You make money while your overhead is relatively decently low. You could save up and get a 10,000 hour car, 5,000 down, down on a 10,000 hour car.

• 23:38Speaker 03

  Okay, I have to have something safe. Like, I have to have something safe.

• 23:41Caleb Hammer?

  Huh? Yeah, that's why I said a 10,000 hour car and not a 5,000 hour car, you tit.

• 23:45Speaker 03

  Yeah, but like, not, not as new car. Like, I'm always worried about breakdown. I don't know shit about cars.

• 23:49Caleb Hammer?

  Buddy, my 2018 Jeep Cherokee, very good car. Stellar condition, no issues whatsoever, is valued at $12,000. You can get a 10,000 hour car.

• 23:59Speaker 03

  All right, well, then sell it to me.

• 24:00Caleb Hammer?

  No, I gave it to my brother.

• 24:02Speaker 03

  Okay.

• 24:02Caleb Hammer?

  Yeah, I like him more. Who would have thought?

• 24:04Speaker 03

  Okay, well, he sounds lovely. But anyway, couldn't get approved for the car. I don't even know what the interest rate would have been because we didn't get that far in the paperwork. So I'm gonna try to do it again. But the reason that they-

• 24:14Caleb Hammer?

  Twelve to twenty, by the way. You're borderline subprime. You're a subprime borrower.

• 24:19Speaker 03

  Yes, I know. I knew it was gonna be risky. I didn't even really wanna do it, so I didn't want all the hits on my credit even further. But the reason they said is because I spent too much money the month before with like, all the deposits and everything. And I'm like, well, yeah, I just moved. And so I'm gonna try to do that again this month, maybe next month, because I just moved again. But I didn't pay nearly as much.

• 24:38Caleb Hammer?

  Well, you are subprime. No, you're subprime. Yeah. Listen, with them being the only one that accepted you, this is gonna be a predatory rate, and they wanted that term to be as long as possible, so they could just accrue that interest.

• 24:49Speaker 03

  But if I can get a, even if it's a long term, isn't that better than not having a car at all?

• 24:53Caleb Hammer?

  At twenty percent? No, you probably save more money on Uber and saving up as much money as possible, putting five thousand on a ten thousand hour car, and then aggressively paying off the second thousand. Listen, and you'll probably get a used car, you're sitting at, right around now, what we're seeing with Vantage Score in the first quarter of this year, you're likely at a nineteen percent interest rate. That's what we're seeing on average for someone with your credit score. Nineteen percent. That is double the returns you get on average in the market, all up years and down years combined.

• 25:23Caleb Hammer?

  I'm gonna let you know, summarize what that means.

• 25:27Speaker 03

  Okay.

• 25:28Caleb Hammer?

  That is, then you almost did it at twenty thousand?

• 25:31Speaker 03

  Okay, maybe that wouldn't have been a good call. But I still think it would be better than not, than having Uber.

• 25:37Caleb Hammer?

  How? Make that make sense to me.

• 25:39Speaker 03

  Well, first of all, like, if I don't have enough money, like, if I, I get paid every week, and then if I don't have any money to Uber, then I need a car to get to work.

• 25:48Caleb Hammer?

  But you're able to make it work right now. How far away are you from work?

• 25:52Speaker 03

  It's like twelve minutes, maybe like-

• 25:53Caleb Hammer?

  Bike!

• 25:54Speaker 03

  Okay, down thirty-five? Hell no.

• 25:57Caleb Hammer?

  No, but I've seen people bike through the neighborhoods. Come on, you can.

• 26:00Speaker 03

  But then, I don't wanna bike up at night.

• 26:02Caleb Hammer?

  So you're likely at a sixty-four-ish month loan. You're, you're probably at like, a five to six year loan. You're gonna be paying a total of thirty-two thousand dollars on this twenty thousand hour car. It's horrible. Are you, by the time you save up five thousand dollars, spending twelve thousand dollars on Uber? I doubt it. That is the math difference that we are doing.

• 26:21Speaker 03

  Okay, I appreciate the mansplination, but like, I understand-

• 26:24Caleb Hammer?

  That's not mansplaining, that's math-splaining, you dumb-

• 26:28Speaker 03

  Okay, well, I was trying to make a decision and you don't like it, that's fine.

• 26:33Caleb Hammer?

  I don't like it, Matt doesn't like it. Who gives a f**k about me? Matt doesn't like it. What's your average Uber cost to and from work?

• 26:43Speaker 03

  Um, one way is like $12 or $13. So it's like $25 a day, five times a week.

• 26:49Caleb Hammer?

  Uh huh. So that is 480...

• 26:55Speaker 03

  A month.

• 26:56Caleb Hammer?

  480 trips.

• 26:57Speaker 03

  480, oh, per...

• 27:00Caleb Hammer?

  And you work how many days a year? How many days a week, sorry?

• 27:04Speaker 03

  Five.

• 27:05Caleb Hammer?

  Okay, so that is 96 weeks.

• 27:06Speaker 03

  But that's not also, that's not the only place I have to go.

• 27:09Caleb Hammer?

  That is two years' worth of Uber trips. I know, but also the boyfriend steps in, so I know you don't Uber to and from work every single time. Because the boyfriend also steps in, that's probably about three years of work trips. I guarantee you, with your income and your overhead, we can get to $5,000 saved up well before then, well before then. And I'm sure we can prove that in the end.

• 27:28Speaker 03

  Okay.

• 27:29Caleb Hammer?

  That is the math difference, not mansplaining.

• 27:33Speaker 03

  Well, I also, like, A, he's not able to take me as much anymore because he just started a second job, and I also don't want to rely on...

• 27:40Caleb Hammer?

  It's not relying.

• 27:41Speaker 03

  I don't want to rely on another person.

• 27:43Caleb Hammer?

  She's not relying on me, I like to help her out. She likes to help me out, I'm not relying on her.

• 27:50Caleb Hammer?

  That's not relying, what is this? You're not milking someone. Just because you got mommy milkers doesn't mean you're always milking someone.

• 27:55Speaker 03

  That's how I got the boyfriend.

• 27:58Caleb Hammer?

  Some of them like them fake, some of them like them fake, and you're likely, you're lucky they can't repo those, so...

• 28:03Speaker 03

  It's the one thing they can't take from me. Cut them out of me.

• 28:08Speaker 03

  That's why I stopped making the payments. What are you gonna do?

• 28:10Caleb Hammer?

  Can you pull up your Uber app?

• 28:12Speaker 03

  Alright, what do you want to see?

• 28:13Caleb Hammer?

  I don't really use Uber that much, here we go.

• 28:16Speaker 03

  Must be nice.

• 28:17Caleb Hammer?

  It is nice, absolutely. Bought my car in cash, saved up for it. I was an adult.

• 28:22Speaker 03

  Congrats.

• 28:23Caleb Hammer?

  Thank you.

• 28:25Speaker 03

  What's it like to be God's favorite?

• 28:26Caleb Hammer?

  Good. Good time.

• 28:29Speaker 03

  Yeah.

• 28:29Caleb Hammer?

  There's also some discipline in there.

• 28:34Caleb Hammer?

  That's how I got my Jeep before I made any YouTube money, which was much more expensive than, I think it was like 25, 26, 27,000 a few years ago.

• 28:43Speaker 03

  Listen, I made some bad financial decisions when it came to credit cards and cars.

• 28:48Caleb Hammer?

  The most recent thing on here is seven items being Uber eaten to her house from Taco Bell.

• 28:54Speaker 03

  Yeah.

• 28:54Caleb Hammer?

  Yeah, fuck you. That's a bad financial decision right now.

• 28:57Speaker 03

  I knew you were gonna pull that up and see that and you were gonna rip me a new one for that.

• 29:01Caleb Hammer?

  Well, no.

• 29:02Speaker 03

  I was hungry and I'm not, I can't drive to Taco Bell.

• 29:04Caleb Hammer?

  Huh, if only you had a kitchen.

• 29:07Speaker 03

  Yeah, but I just moved. I don't have any food in there.

• 29:10Caleb Hammer?

  You should have stopped at HEB on the way.

• 29:12Speaker 03

  I got off work late last night.

• 29:14Caleb Hammer?

  Buddy.

• 29:15Speaker 03

  HEB was closed.

• 29:16Caleb Hammer?

  This is so stupid. When did you move?

• 29:18Speaker 03

  Sunday.

• 29:19Caleb Hammer?

  Fuck you. That was what, five days ago, four days ago? There's more days in between then than just last night. Fuck you. This is excuses. It's with you, you are an endless, I can't, I can't, I can't, I can't. And you can be on Financial Auto by going to CalebHammer.com/apply. Come be on the show.

• 29:36Speaker 03

  It's a blast.

• 29:37Caleb Hammer?

  It is. It is a good time. The Uber trips to work are a lot less than you're suggesting, by the way. They're averaging about 10 bucks, so that even changes the math more. Lots of Taco Bell being Uber-eated constantly. While I'm on here, let's see.

• 29:53Caleb Hammer?

  Oh, you're a redditor. Nah, this makes sense with your personality.

• 29:58Speaker 03

  I use Reddit the least out of all social media. Oh, my God.

• 30:02Caleb Hammer?

  Let's see, what is she doing?

• 30:03Speaker 03

  It's a lot of the Austin Beer scene.

• 30:05Caleb Hammer?

  Not surprised. See her subscriptions. Apple Care Plus, Apple Music, iCloud Plus, and Peacock? Peacock?

• 30:15Speaker 03

  Love Island is on there.

• 30:16Caleb Hammer?

  Love Island's done. Love Island's been done.

• 30:19Speaker 03

  I know, but there's other good stuff on there, too.

• 30:21Caleb Hammer?

  Okay, there it is.

• 30:23Speaker 03

  My Hulu subscription.

• 30:24Caleb Hammer?

  Buddy, there's trash TV everywhere. You're on one right now.

• 30:28Caleb Hammer?

  Come on.

• 30:29Speaker 03

  It's a dream come true.

• 30:31Caleb Hammer?

  Okay, let's get into these finances. But before we get into the finances, I want to hear what you think your financial score would be. All of your finances, worst to best, zero being the worst, 10 being the best, where do you think you stand?

• 30:42Speaker 03

  Three.

• 30:43Caleb Hammer?

  You have collections.

• 30:45Speaker 03

  Yeah.

• 30:46Caleb Hammer?

  If you want your Hammer Finance.

• 30:47Speaker 03

  I'm paying on them and my income's not bad.

• 30:50Caleb Hammer?

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

• 31:33Caleb Hammer?

  If you are struggling, or you want to learn more, or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go! If you want your Hammer Financial Score, it is free. Take the assessment, see where you stand in the world of finances, see where you can improve, see where you're failing. Go to CalebHammer.com. Take it, take the score, and take the quiz. And if you don't want to be like a guest who ends up on this show? One, don't get fake boobs. Two, download the Dollar Wise Budgeting App, sign up for the free trial.

• 32:16Caleb Hammer?

  If you like it, sign up for the annual version, save a lot of money, get the Budget Friendly Cookbook, signed by me, mailed directly to you. And if you want to also bundle it with all of our education, all in one, the premium thing you could ever possibly do to change your life, like over 50,000 people have done, Dollar Wise Central, 80% off now, go to dollarwise.com. All right! But get the fake boobs, it's worth it, they can't repo them. Who likes fake boobs? I'm sorry. Me. A lot of people. There you go. It's just, it doesn't work. It doesn't, it doesn't give the same.

• 32:47Caleb Hammer?

  If you get them done, they do.

• 32:50Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are, with personalized financial strategies that help protect what matters, so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich, together. Edward Jones. Member SIPC.

• 33:21Caleb Hammer?

  I don't know, I've squeezed plenty in my day.

• 33:26Speaker 03

  I'm so sorry for those women.

• 33:27Caleb Hammer?

  It feels like a mouse pad.

• 33:29Speaker 03

  It feels like a mouse pad?

• 33:30Caleb Hammer?

  Yeah.

• 33:32Speaker 03

  Okay. Touching some weird boobs.

• 33:34Caleb Hammer?

  I guess so. Yeah, maybe you're the only ones with real, uh, real fake boobs. Do you get them done in the US?

• 33:41Speaker 03

  Yeah, in Austin.

• 33:43Caleb Hammer?

  Patriotic boobs. Freedom boobs.

• 33:46Speaker 03

  Yeah.

• 33:48Caleb Hammer?

  No tariff on those boobs?

• 33:50Speaker 03

  None at all.

• 33:52Speaker 03

  So worth it.

• 33:54Caleb Hammer?

  Do I have a better natural rack than you had?

• 33:57Speaker 03

  No.

• 34:01Caleb Hammer?

  Because I got some titties.

• 34:02Speaker 03

  I know.

• 34:03Caleb Hammer?

  I'm not getting a boob job, though. Okay, I see money owed to boyfriend. Did he pay for those?

• 34:09Speaker 03

  No, he, uh, he helped me out, um...

• 34:12Caleb Hammer?

  Okay, the producers really don't want to know how much they are. They're, they're feeding me so much boob things today.

• 34:17Speaker 03

  10K.

• 34:18Caleb Hammer?

  It's all Lindsay. So many boob things. 10K?

• 34:21Speaker 03

  Yeah.

• 34:22Caleb Hammer?

  For why? Just for fun?

• 34:24Speaker 03

  A good surgeon. I put like, I put like, I financed like eight. I put like 2,000 down.

• 34:29Caleb Hammer?

  Oh, 8,000 in debt for boobs? Why? Why'd you even, why'd you even get them? They're not even paid off yet. Oh my...

• 34:37Speaker 03

  They're almost, they're almost paid. I only...

• 34:39Caleb Hammer?

  Almost, but they're not.

• 34:40Speaker 03

  I owe like 500 dollars.

• 34:42Caleb Hammer?

  Why'd you do this?

• 34:43Speaker 03

  I've wanted it since I was like 15.

• 34:45Caleb Hammer?

  You've wanted fake boobs since 15?

• 34:48Speaker 03

  Yeah.

• 34:48Caleb Hammer?

  For why?

• 34:50Speaker 03

  Because they look great. And I'm not having kids, so...

• 34:54Caleb Hammer?

  What?

• 34:55Speaker 03

  I'm not having kids, so I don't have to like, you know...

• 34:56Caleb Hammer?

  Does that affect that?

• 34:57Speaker 03

  Yeah, actually, you have kids, like, you wouldn't, you wouldn't want to wait until afterwards, so... I was like, well, I can do it whenever I want. And I thought I could afford it, but then my life got flipped upside down and... Yeah.

• 35:09Caleb Hammer?

  Listen, I'm, I'm an all, I'm an all natural girly. Our translator, post shower, live streamer. You all know him, you love him. B-Dog or Triple B or Brandon loves fake boobs.

• 35:24Speaker 03

  What?

• 35:24Caleb Hammer?

  Do we have, uh, the, the, the consent for this observation?

• 35:29Speaker 03

  No, I'm not pulling my shirt up.

• 35:30Caleb Hammer?

  No, I'm for this, you dumb, for this.

• 35:35Speaker 03

  No, that is not why you're here.

• 35:36Caleb Hammer?

  We're asking for consent to objectification.

• 35:39Speaker 03

  Fine.

• 35:41Caleb Hammer?

  Are they worth 10K?

• 35:42Speaker 03

  You're, you're okay with that, right?

• 35:43Caleb Hammer?

  Do we have permission?

• 35:44Speaker 03

  I only owe 500 left.

• 35:50Caleb Hammer?

  Worth it. Okay.

• 35:54Speaker 03

  See? Good investment.

• 35:56Caleb Hammer?

  Ooh, this episode's gonna get us in trouble. Okay.

• 35:59Caleb Hammer?

  Remember, we have all the guest permission before we film and they get to say what we can't do before. And we don't ask it second time if they say they don't want to do something. Plus, we got extra permission there. Calm down Reddit and Twitter and TikTok. It's fine.

• 36:13Speaker 03

  If my parents are watching, I'm so sorry.

• 36:15Caleb Hammer?

  Me too. Okay, so what is this money owed to boyfriend? This is current boyfriend?

• 36:20Speaker 03

  Current boyfriend.

• 36:20Caleb Hammer?

  I'm assuming? Okay, so what is, what?

• 36:22Speaker 03

  She helped me pay-

• 36:23Caleb Hammer?

  You owe 1,200.

• 36:23Speaker 03

  Yeah, so at first he helped me pay a deposit for an apartment and then-

• 36:28Caleb Hammer?

  Come on, so you get kicked out left and right because you won't train your dog or do anything? And then your boyfriend has to come in and bail you out?

• 36:34Speaker 03

  I didn't ask him to, he offered.

• 36:36Caleb Hammer?

  Well, he probably saw just that you couldn't do it, right? Could you have done it? How would you have done it without him?

• 36:41Speaker 03

  I would have figured it out. I always manage to figure it out.

• 36:45Caleb Hammer?

  So, okay, let's pretend you're figuring it out right now. What would you have done right now?

• 36:49Speaker 03

  I would have either found a cheaper place to live or found, because I was to get into an actual apartment and live by myself.

• 36:55Caleb Hammer?

  Wait, so this one isn't even the one you're in now? So you still owe him for a previous place?

• 36:59Speaker 03

  I started paying him off on, or pay-

• 37:01Caleb Hammer?

  Oh! Sake.

• 37:05Speaker 03

  Okay, so I started paying him back on it and then I had to move again and then he's like, we have set up, he came up with, for everything that I owe him, he's like this.

• 37:14Caleb Hammer?

  I'm glad he's tracking. How do you feel that he's tracking?

• 37:17Speaker 03

  I knew it would be tracks.

• 37:19Caleb Hammer?

  That was agreed upon or you just knew?

• 37:20Speaker 03

  Yeah, and so like when I like would Venmo him, I'd be like, alright, here's 100 out of the 800 or then here's, now it's up to 200.

• 37:29Caleb Hammer?

  It won't be on camera. Can I see a picture of this guy?

• 37:33Speaker 03

  You can roast me. He's got a mullet.

• 37:35Caleb Hammer?

  That's okay. That's an average, I call them the everyman. The everyman either has a mullet with a mustache or a ball cap with a mustache. That is the everyman. It is 90% of the men in Austin. I'm halfway towards everyman.

• 37:49Caleb Hammer?

  Oh.

• 37:51Speaker 03

  He's very nice to me.

• 37:52Caleb Hammer?

  Well, he looks like a dealer.

• 37:55Caleb Hammer?

  That wasn't the mullet I was expecting.

• 37:57Speaker 03

  Somebody said one time that he looks like Joe Dirt.

• 38:01Caleb Hammer?

  Yes.

• 38:02Speaker 03

  He loved that. He was like, hell yeah, that's what I was going for.

• 38:04Caleb Hammer?

  The everyman. He is just in fact a man. Okay.

• 38:09Speaker 03

  He's really cool. You would love him.

• 38:11Caleb Hammer?

  Would I?

• 38:12Speaker 03

  Yeah.

• 38:13Caleb Hammer?

  Okay.

• 38:13Speaker 03

  He loves your show.

• 38:14Caleb Hammer?

  Oh.

• 38:15Speaker 03

  He got his finances in better order because of it.

• 38:17Caleb Hammer?

  I'm making fun of your girlfriend's boobs.

• 38:19Speaker 03

  When I told him I was gonna be on here, he was like, are you sure? You might cry. I was like, I only cry when you talk to me about finances.

• 38:24Caleb Hammer?

  You haven't been close yet?

• 38:26Speaker 03

  Huh?

• 38:26Caleb Hammer?

  You haven't been close yet?

• 38:28Speaker 03

  No.

• 38:28Caleb Hammer?

  Good. I never get women close.

• 38:30Speaker 03

  I could have guessed that.

• 38:32Caleb Hammer?

  Me too.

• 38:35Caleb Hammer?

  I'm a sprinter.

• 38:40Caleb Hammer?

  This is a weird episode, sorry. Very goony episode. Okay. And people are gonna take it so literally out there.

• 38:46Speaker 03

  Talk a lot more about my boobs than the car situation.

• 38:48Caleb Hammer?

  I know. You can tell what I'm interested in.

• 38:54Speaker 03

  Thought you hated, thought you hated fakes?

• 38:56Caleb Hammer?

  I do. I'm just not really into them. But it's very topical. Plus Lindsay is this, Lindsay's a goon master today. She's feeding me so much boob stuff into the chat. Boob, boob, boob, boob, boob.

• 39:08Speaker 03

  Thank you. Worth it? Worth it?

• 39:10Speaker 00

  I think they're worth it.

• 39:12Speaker 03

  Same.

• 39:12Speaker 00

  You know what I love? I love when it's like an obvious job.

• 39:15Speaker 03

  Right. It's like, what's, why spend the money if you can't tell?

• 39:18Caleb Hammer?

  I don't love an obvious BBL though.

• 39:20Speaker 00

  Agreed.

• 39:20Speaker 03

  I wouldn't get one of those. That's not worth the money.

• 39:24Caleb Hammer?

  Okay. So the boyfriend, he's been tracking the 1200.

• 39:26Speaker 03

  Yes.

• 39:27Caleb Hammer?

  Is there interest with this?

• 39:28Speaker 03

  No, unless he suddenly wants to one day, but no.

• 39:32Caleb Hammer?

  Is there an agreed upon minimum monthly payment? How is this working?

• 39:35Speaker 03

  Yeah. So he just wrote it all out and was like, um, this was very recent. It's like 65 a week. I get paid every week and so 65 a week. So 612.

• 39:48Caleb Hammer?

  Okay. What's the budgeting like?

• 39:49Speaker 03

  It's to pay it off in like a certain timeframe.

• 39:53Caleb Hammer?

  Uh, that certain timeframe would be, oh, so that it's 282 dollars a month, which is quite chunky. I'll be honest for that kind of debt. It's like a four month payoff, five month payoff.

• 40:08Speaker 03

  Yeah.

• 40:08Caleb Hammer?

  It's kind of chunky instead of putting more money into the other kind of debt. But okay. So what all has he also been giving you for? Cause it wasn't just that apartment.

• 40:16Speaker 03

  Yeah. So the rest of it was from a trip to Vegas. We went to Vegas.

• 40:25Caleb Hammer?

  You had to borrow from him to go with him?

• 40:27Speaker 03

  Um, well, I paid for the flights.

• 40:31Caleb Hammer?

  Is this relationship not weird? Why didn't he just gift it? Gift the trip?

• 40:35Speaker 03

  Well, because I ended up, I did not realize that a bill was coming out right before for the like, debt relief thing. And then there was also like a hold on my card once I got there. And so they wouldn't let me, it wouldn't, I don't know. Well, let me spend any money. So he covered everything and then just added it all up together to add to the 800.

• 40:59Speaker 03

  So he paid for everything.

• 41:00Caleb Hammer?

  Okay, okay, it's weird. Well, how long have you guys been dating? It's a weird relationship.

• 41:04Speaker 03

  About nine months.

• 41:05Caleb Hammer?

  I'll call him in the post-show. Nine months, okay. So that's why, I was gonna say, listen, if you're gonna move out and he's getting your security deposits, it's time to move in together, but nine months, okay. You know, maybe we're not ready for that yet.

• 41:14Speaker 03

  Yeah.

• 41:15Caleb Hammer?

  You know, maybe we are. Some people move quicker, some people move slower. Actually, I've, you know, it's a weird situation, but my girlfriend and I moved in really quickly.

• 41:24Speaker 03

  I moved in really quickly with the last person, and I won't do that again.

• 41:29Caleb Hammer?

  Yeah, but you guys did do five years, and you wanted to continue to make it work. He just didn't like you. Can I call him in the post-show?

• 41:36Speaker 03

  No.

• 41:38Caleb Hammer?

  Money owed a friend. Why does you owe your friend $800?

• 41:42Speaker 03

  $700, and it was same kind of thing as the boyfriend, but earlier.

• 41:46Caleb Hammer?

  What, the trip or the?

• 41:47Speaker 03

  No.

• 41:48Caleb Hammer?

  So because...

• 41:49Speaker 03

  I know, I know, I know, I know.

• 41:51Caleb Hammer?

  You get offended endlessly, not even this, and then you refuse to take care of the dog. Not only that, but then every time you move, you have to borrow from...

• 41:57Speaker 03

  Not every time.

• 41:57Caleb Hammer?

  Oh, come on. Then how many times are you moving? Because every...

• 42:00Speaker 03

  The last two times, the most expensive one...

• 42:02Caleb Hammer?

  How many times are you moving?

• 42:04Speaker 03

  The most expensive one, I told you how many times I've been this year.

• 42:07Caleb Hammer?

  This year, this year. I'm talking about in general, how frequently are you having to move?

• 42:10Speaker 03

  Before that, I lived in an apartment for a year. Before that, I lived in an apartment for about a year.

• 42:16Caleb Hammer?

  But then, instead of actually fixing the actual problem, it's just this endless cycle down, and it ends with borrowing from people close to you. Your friend, your friend, you don't want to borrow from a friend.

• 42:26Speaker 03

  I know, I didn't want to.

• 42:28Caleb Hammer?

  But you did.

• 42:28Speaker 03

  I know.

• 42:29Caleb Hammer?

  And you still owe him.

• 42:32Caleb Hammer?

  How many months later?

• 42:33Speaker 03

  I don't remember exactly when that was.

• 42:37Caleb Hammer?

  What is the agreed-upon payback with friend?

• 42:40Speaker 03

  There was, we didn't really like talk...

• 42:41Caleb Hammer?

  Oh, for f*** sake, why, dude? Come on, why didn't we at least establish something out of any kind of responsibility or respect for your friend?

• 42:49Speaker 03

  I know, that's like, those two things are the most, like, out of the depths I know. Obviously, I didn't get things out of collections, but those are the most important things that I want to take care of first.

• 43:00Caleb Hammer?

  And why haven't you? You make an okay income for relatively low overhead. I am confused why you have not paid them off. This doesn't make sense. This is not stacking up.

• 43:11Speaker 03

  I also don't feel like I spend that much money on stuff that I just.

• 43:13Caleb Hammer?

  Oh, that's a good question. Let's see. How much money did you spend last month?

• 43:16Speaker 03

  Total? I mean, including Uber's and everything? I don't know. Probably, okay.

• 43:20Caleb Hammer?

  Total across the board.

• 43:21Speaker 03

  Like with rent and everything, thirty, thirty-four, maybe?

• 43:25Caleb Hammer?

  What?

• 43:26Speaker 03

  Thirty-four hundred maybe?

• 43:27Caleb Hammer?

  Okay, uh, fifty-two hundred.

• 43:33Caleb Hammer?

  I mean.

• 43:35Speaker 03

  Okay, um.

• 43:38Caleb Hammer?

  I mean, um, um what?

• 43:42Caleb Hammer?

  Oh, sure. Take a little peek.

• 43:44Speaker 03

  Okay, I spent, I spent less at Nosh and Baby than I thought I would have.

• 43:48Speaker 03

  Lot of money at Turnstile. That makes sense. Okay.

• 43:50Caleb Hammer?

  What's Turnstile? Record store?

• 43:52Speaker 03

  That's where I go for teeny time.

• 43:55Speaker 03

  Espresso martinis.

• 43:56Caleb Hammer?

  Oh, my.

• 43:59Caleb Hammer?

  What the? Dude, that is more important than you paying back your friends. That is disgusting. That is selfish. What the is wrong with you?

• 44:06Speaker 03

  Well, I usually am not the one actually paying for it. That's actually.

• 44:10Caleb Hammer?

  But you did regardless. Well, you still owe your friend seven hundred. Still owe your boyfriend twelve hundred. Who the are you? You're gonna go borrow at a twenty percent interest rate a car at twenty thousand dollars? At your financial situation, yet you go have teeny time? Teeny? All right, 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 Weebly. Do the same and transfer to my investing app of choice and you get cash bonuses of two hundred dollars

• 44:49Caleb Hammer?

  all the way up to thirty thousand dollars depending on initial funding amounts and up to eight point one percent APY on your money and up to three point five matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that five hundred fifty dollar bonus when you. Sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification.

• 45:27Caleb Hammer?

  Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. Think you're entitled to teeny? You teeny. You don't get teeny.

• 45:50Speaker 03

  They're really good teenies.

• 45:51Caleb Hammer?

  You know what else is, who has a good teeny? Your boyfriend. Pay him off. Pay him off. He's lending you for a bunch of, your friend.

• 46:03Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.

• 46:33Caleb Hammer?

  Your friend. You don't even know how long ago you borrowed the $700 and you're going and getting teenies? That is selfish. It is disgusting behavior.

• 46:43Speaker 03

  Okay.

• 46:43Caleb Hammer?

  It is not what a 31-year-old should be doing. I could see that at 21. This is a joke. You're well into adulthood. No more.

• 46:52Speaker 03

  Well, I, yeah, I got into a habit of spending too much and now I'm having to

• 46:56Caleb Hammer?

  Are you an alcoholic?

• 46:57Speaker 03

  Dial it way back. No, I actually drink way less than I used to.

• 47:01Caleb Hammer?

  Were you an alcoholic?

• 47:02Speaker 03

  Not diagnosed.

• 47:03Caleb Hammer?

  You're just cope.

• 47:04Speaker 03

  Yeah, it's more of a cope thing.

• 47:07Caleb Hammer?

  Listen, I'll get you on the FIS card that helps build your credit. It's a debit card that builds credit.

• 47:11Speaker 03

  Okay.

• 47:11Caleb Hammer?

  Cause you can't be trusted with. Debt for whatever. If you want to get, if you want to get into a new career field, that also gets you a course career certification to build your resume. And you know, if you want to get out of the bartending world, you're making a good income, but who knows, it might be hit or miss. I bet that's not a very recession resistant industry, by the way. Remote, good luck. That's not really much of a thing as much these days for any harm.

• 47:31Speaker 03

  I know, that's, yeah.

• 47:33Caleb Hammer?

  So I don't think, I mean, you're just gonna like, gonna have to get a job, a big girl job at some point. And again, this isn't a bar job. It's not, it's not really resistant to recession.

• 47:43Speaker 03

  Yeah.

• 47:43Caleb Hammer?

  As much as many other things.

• 47:44Speaker 03

  It also fluctuates a little bit.

• 47:45Caleb Hammer?

  Like you look like a nurse. Like you look like a mean nurse.

• 47:50Speaker 03

  No, I don't want to be a nurse.

• 47:52Caleb Hammer?

  Look like a mean nurse.

• 47:54Speaker 03

  Nurses aren't supposed to be mean.

• 47:56Caleb Hammer?

  Oh, but they're all bleeped. Except for my mom. She's lovely. She's really good. I love her. The rest of them are bleeped though. The rest of them are kind of, that's what they're known for, right?

• 48:06Speaker 03

  I don't know. I've only had.

• 48:08Caleb Hammer?

  They're the mean girls at school.

• 48:10Speaker 03

  I've only had nice nurses.

• 48:11Caleb Hammer?

  When you go to the hospital, I'm talking about when you go to like school with them. All right, we're not playing fuzzy. Calm down.

• 48:16Speaker 03

  Move your feet.

• 48:17Caleb Hammer?

  I don't have a mullet and a full beard and selling bleeped, okay?

• 48:21Caleb Hammer?

  Okay, what is this debt to previous landlord? Eight thousand dollars. You don't have to tell him we said it. He can watch it.

• 48:26Speaker 03

  Yeah, he probably will. Um, uh, that is.

• 48:29Caleb Hammer?

  Eight thousand to a previous landlord's insane. What the f*** kind of amount is that?

• 48:33Speaker 03

  That's the apartment debts. Um.

• 48:35Caleb Hammer?

  No sh-

• 48:36Speaker 03

  That's, that's, we already discussed that when I told you that like, the door's kind of toot hole and wobble.

• 48:41Caleb Hammer?

  It was eight thousand dollars worth of repairs?

• 48:43Speaker 03

  Um.

• 48:44Caleb Hammer?

  Oh, for f***ing sick, was it this entire f***ing unit?

• 48:46Speaker 03

  I didn't live, I didn't like leave it as like clean as I should have. Um, yeah. Cause I moved out quickly and I had to be out by a certain time, so I'm just moved on my f***ed up.

• 49:02Caleb Hammer?

  Eight thousand dollars is insane.

• 49:04Speaker 03

  Yeah.

• 49:05Caleb Hammer?

  You have any photos of this? Any pictures?

• 49:07Speaker 03

  No.

• 49:09Caleb Hammer?

  Why?

• 49:10Speaker 03

  Am I supposed to take it? I'm sure they do.

• 49:12Caleb Hammer?

  It would be good for fighting back if you had to.

• 49:15Speaker 03

  Yeah.

• 49:16Caleb Hammer?

  So what's your method to pay this back? What has been the idea? Does this is $4,000 is insane.

• 49:21Speaker 03

  Well, so they-

• 49:22Caleb Hammer?

  For any income, that's a substantial amount of money.

• 49:24Speaker 03

  Yeah, so the thing is with the apartment debt, they like the, apparently the property management company, they can't, they won't take a partial payments. Cause I was like, can I make payments on it?

• 49:34Caleb Hammer?

  That's counterproductive for them.

• 49:36Speaker 03

  Yeah, I know. It was really weird. I was like, so even if I can give you $500 right now.

• 49:40Caleb Hammer?

  It's on your, on your credit?

• 49:41Speaker 03

  Yes.

• 49:43Caleb Hammer?

  Me. Has it been sold off to a collections agency? Or is it still the apartment?

• 49:48Speaker 03

  So.

• 49:48Caleb Hammer?

  If so, they might be willing to go on a payment plan, right?

• 49:51Speaker 03

  Yeah, so now it is on a payment plan.

• 49:52Caleb Hammer?

  Well, this is on a payment plan.

• 49:53Speaker 03

  Yeah, well, yeah, in the like debt real, like, okay, so I signed up for-

• 49:56Caleb Hammer?

  In the debt relief?

• 49:58Speaker 03

  Yeah. It's not a consolidation loan. It's like the debt relief thing.

• 50:01Caleb Hammer?

  I know.

• 50:01Speaker 03

  So like, now it's like, money's going towards it. Cause I pay 544 a month, going towards debt. And then they like disperse it to all the things that I owe.

• 50:13Caleb Hammer?

  Then why is there an other landlord debt? Why is there a second one?

• 50:17Speaker 03

  That's the most recent one.

• 50:18Caleb Hammer?

  Recent one. We've turned, you know, you shouldn't have to say that to, about landlord debt, to previous apartment debt. Oh, that's the most recent one.

• 50:27Speaker 03

  Whatever, dude. Okay, so.

• 50:30Caleb Hammer?

  Okay.

• 50:30Speaker 03

  Okay, so anyways.

• 50:32Caleb Hammer?

  What is this response?

• 50:34Speaker 03

  So that one is, she's saying that like she needs to like replace all the flooring in the room.

• 50:41Caleb Hammer?

  Train your dogs.

• 50:42Speaker 03

  Okay, so, yeah, so, but then I don't think she did the math right either. I don't think it's that much.

• 50:49Caleb Hammer?

  Well, you didn't take pictures to challenge it, and that's the problem.

• 50:52Speaker 03

  I know. I might get my old roommate to do that for me, because there's still nobody living in there.

• 50:55Caleb Hammer?

  So she's still in there?

• 50:56Speaker 03

  The old roommate is. So it's just like, she rents out-

• 50:59Caleb Hammer?

  Yes, get the pictures, dude.

• 51:00Speaker 03

  The landlord just like rents out each individual room. It's not like everybody's the one house.

• 51:04Caleb Hammer?

  The landlord literally caught the dog peeing on the carpet?

• 51:10Caleb Hammer?

  That's the note I just got. The landlord caught the dog peeing on the carpet in one of the places.

• 51:15Speaker 03

  The landlord, she like would end up coming by the house like unannounced and then just like walk into my room and then she was like, didn't like seeing the dogs there. She said that the dog peed on the floor and then now she has like-

• 51:28Caleb Hammer?

  Why was your dog pissing on the floor?

• 51:30Speaker 03

  That's what she said. I mean, it wasn't there when I got home.

• 51:33Caleb Hammer?

  Your roommate?

• 51:34Speaker 03

  No, the landlord's.

• 51:35Caleb Hammer?

  No, your roommate cleaned it out, maybe?

• 51:37Speaker 03

  Okay, yeah, maybe.

• 51:39Caleb Hammer?

  You didn't ask?

• 51:39Speaker 03

  Or maybe the landlord did. I don't know. No. Should I have asked?

• 51:44Caleb Hammer?

  If someone's claiming that the dog peed, I'd try to figure it out.

• 51:48Speaker 03

  I'm assuming the landlord did.

• 51:49Caleb Hammer?

  Cause that would result in debt to me.

• 51:52Speaker 03

  Yeah.

• 51:52Caleb Hammer?

  So when's the next debt to your current landlord?

• 51:55Speaker 03

  I don't have any debt. I mean, it's just a rent.

• 51:58Caleb Hammer?

  When? You're gonna get kicked out because the dog's gonna destroy this place.

• 52:03Speaker 03

  I guess whenever that happens.

• 52:05Caleb Hammer?

  Why are you so irresponsible?

• 52:06Speaker 03

  I'm not. I'm not. I'm trying to do better with the dogs and everything.

• 52:09Caleb Hammer?

  What are you trying to do better? What's the trying to do better? Go in out less. Okay, you still work 40 hours a week and I know you're with your boyfriend sometimes too.

• 52:15Speaker 03

  Taking them on longer walks and trying to get their energy out.

• 52:17Caleb Hammer?

  Does that help with the anxiety specifically?

• 52:19Speaker 03

  Yeah.

• 52:20Caleb Hammer?

  Okay. And so far?

• 52:24Speaker 03

  I mean, they've been good. Even like towards the end of the time that I was living at the last place, it, I was like taking them out more, throwing, like I had a big yard, so I was like spending more time throwing the ball with them and then they were fine. They didn't really do anything.

• 52:38Caleb Hammer?

  Now, you struggled to send us statements.

• 52:45Speaker 03

  Yeah.

• 52:45Caleb Hammer?

  We tried to help you the best you could.

• 52:48Speaker 03

  Yeah.

• 52:48Caleb Hammer?

  So I'm gonna have to screen record from your phone if you want to. Can you pull up your credit karma for me? Cause I don't know what the struggle was.

• 52:56Speaker 03

  So, yeah, so that, the credit karma thing shows like closed accounts.

• 53:02Caleb Hammer?

  Yeah, I'll see.

• 53:05Speaker 03

  Um, okay, but let me pull up the national debt relief thing because that gives a better breakdown.

• 53:11Caleb Hammer?

  I know how to navigate credit karma.

• 53:13Speaker 03

  Okay. Well, I was gonna go the national debt relief thing because it gives a better breakdown, but here it is.

• 53:17Caleb Hammer?

  Well, I just want to see what your credit karma says, dude. We can look at both.

• 53:23Caleb Hammer?

  Needs work is an understatement.

• 53:25Speaker 03

  I'm aware.

• 53:27Caleb Hammer?

  Okay, so what do we got going on in here? Oh, wait, hold the You know, you have some open credit cards.

• 53:34Caleb Hammer?

  But we gotta chase freedom at 350.

• 53:37Speaker 03

  That I think is one that must Because my ex and I had a car together.

• 53:42Caleb Hammer?

  Oh, no. Oh, and this is why we opened up credit karma.

• 53:47Speaker 03

  I don't think there was a chase one on there.

• 53:51Caleb Hammer?

  Is this just an example?

• 53:53Speaker 03

  It might be an example or like an offer.

• 53:54Caleb Hammer?

  This must just be an example.

• 53:55Speaker 03

  I don't know. You said you know how we're credit karma.

• 53:57Caleb Hammer?

  Yeah, fair enough.

• 53:58Speaker 03

  Seem to be struggling.

• 53:59Caleb Hammer?

  16,000 on this. So we have the 9,089. That's from that. No, what's this 9,089?

• 54:06Speaker 03

  That is what's No, that, wait, let me see which one you're looking at.

• 54:12Speaker 03

  Ah.

• 54:14Speaker 03

  9,089. Oh, the green sky. That's the hot tub. He's making the payments on it.

• 54:20Caleb Hammer?

  But it is on your credit.

• 54:21Speaker 03

  His name is also on it. So he's at least making the payment.

• 54:24Caleb Hammer?

  If he stops or dies, you're

• 54:26Speaker 03

  Um, yes, I don't have a way to sell it at this point.

• 54:29Caleb Hammer?

  What's your relationship with him now?

• 54:31Speaker 03

  We don't speak.

• 54:32Caleb Hammer?

  Sakes. So what happens if he all of a sudden misses a payment? You say he's a piece of, maybe he will.

• 54:37Speaker 03

  Well, his, his name is on the loan too, so he has to

• 54:41Caleb Hammer?

  I know, but what if he's a delinquent who doesn't give a

• 54:44Speaker 03

  I don't think his

• 54:45Caleb Hammer?

  People up their credit all the time.

• 54:48Caleb Hammer?

  Who's to say he doesn't?

• 54:50Speaker 03

  I mean, it's very possible.

• 54:53Speaker 03

  But yeah, I mean, if he dies, then I can

• 54:54Caleb Hammer?

  Did he ever find anyone else?

• 54:55Speaker 03

  Yeah, he's married.

• 54:58Speaker 03

  Yeah, that happened quick.

• 55:00Caleb Hammer?

  So it was you. Okay, hot tub. 9,000

• 55:04Speaker 03

  I get emails every month that the payments are actually getting made.

• 55:07Caleb Hammer?

  Well, that's good, but it's 157 dollars. I'm gonna put it in parentheses. It doesn't go to your normal payment. But even still, I mean, that's scary. That is an extra 10,000 dollars on top of your loans that is just added if something happens. Because you will have to pay it to not your credit if he decides not to pay it.

• 55:27Speaker 03

  I know. At that point, I would just figure out a way to sell it.

• 55:29Caleb Hammer?

  Can we contact him to refinance it? And get you off of it?

• 55:35Speaker 03

  The idea of talking to him sounds absolutely horrible.

• 55:37Caleb Hammer?

  Oh, stop being such a whiny.

• 55:39Speaker 03

  He doesn't want to talk to me either.

• 55:41Caleb Hammer?

  No, this is a business transaction. This is a business transaction. You're not calling him up and asking him about his day.

• 55:47Speaker 03

  Yeah, I don't know. I don't. I mean, how much of a difference?

• 55:51Caleb Hammer?

  Can you text him right now? Text him right now.

• 55:54Speaker 03

  Maybe. It might be blocked.

• 55:55Caleb Hammer?

  Huh? Okay, well, let's see. Can you just try to text them? Oh, sorry. Yeah, this is your phone. Text them. Hey, comma, what do you think about refinancing the hot tub loan to get me off of it?

• 56:06Speaker 03

  Okay.

• 56:07Caleb Hammer?

  Send a text. See what happens.

• 56:08Speaker 03

  I...

• 56:09Caleb Hammer?

  You're not even willing to do that?

• 56:11Speaker 03

  He, like, he was really bad. He, like, was like, yeah, not... It makes me nervous to text him. I mean, I can't...

• 56:18Caleb Hammer?

  What's he gonna do? What could he do?

• 56:21Speaker 03

  I don't want to get yelled at by two tall men today, so...

• 56:24Caleb Hammer?

  Okay, that's fine. That's fine. I, I, I, you know, total, totally good. But for limiting your risk as well, I do, again, the main intent isn't for you to contact him. I don't give a about that. The main intent is for you to get off the debt.

• 56:36Speaker 03

  Right.

• 56:38Caleb Hammer?

  What is this Fab Cred Fresh?

• 56:41Speaker 03

  Fab Cred, um, that is a line of, just a line of credit.

• 56:45Caleb Hammer?

  Of you, that you have?

• 56:47Speaker 03

  Yes.

• 56:47Caleb Hammer?

  Just you?

• 56:49Speaker 03

  Yes.

• 56:49Caleb Hammer?

  For sake. Did we even get a statement for that? Or is this fresh? Are we learning about this for the first time? Oh, we're learning about this for the first time. Okay, line of credit. Okay. That's wild. Now, why do we have a balance on a line of credit?

• 57:05Speaker 03

  Um, because I used it.

• 57:08Speaker 03

  Why would I get a line of credit and not use it? I needed it.

• 57:10Caleb Hammer?

  For what?

• 57:12Speaker 03

  You're gonna hate this.

• 57:13Caleb Hammer?

  There it is.

• 57:14Speaker 03

  It's, uh...

• 57:17Speaker 03

  To pay rent.

• 57:19Caleb Hammer?

  Three hundred and thirty dollar a month payment. Can you pull, pull up your line of...

• 57:22Speaker 01

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• 57:52Caleb Hammer?

  Credit for me.

• 57:58Caleb Hammer?

  Alright, here we are.

• 57:59Speaker 03

  I paid off a good bit of it and then I use-

• 58:03Caleb Hammer?

  $1,389.42.

• 58:09Speaker 03

  What?

• 58:10Caleb Hammer?

  It's over the credit limit.

• 58:13Speaker 03

  That has to be just interest, which doesn't make it better.

• 58:16Caleb Hammer?

  No, it doesn't. If you make your payments, it does not make it better. That makes no sense.

• 58:21Speaker 03

  Yeah, that was kind of an emergency situation.

• 58:24Caleb Hammer?

  So, does this draw into cash?

• 58:26Speaker 03

  Yes.

• 58:27Caleb Hammer?

  Okay, so where would I have seen the cash be spent? In your checking account?

• 58:30Speaker 03

  Yes.

• 58:31Caleb Hammer?

  So, you saying earlier that you don't spend on credit cards, only in your checking account?

• 58:34Speaker 03

  Yeah, I kind of heard-

• 58:35Caleb Hammer?

  Because you pulled from credit into your checking account to spend on it!

• 58:39Speaker 03

  I forgot about that one.

• 58:41Caleb Hammer?

  Huh?

• 58:42Speaker 03

  I forgot about that one, because I don't use it much.

• 58:44Caleb Hammer?

  You, well, no- Okay, minimum's actually 82. I don't know what Credit Karma's saying, but- Sake dude, you're over the limit by 100 and... Oh, like 25, 130 bucks?

• 59:01Caleb Hammer?

  That's insane dude. That's crazy. What are we doing?

• 59:07Caleb Hammer?

  Kickoff? You just got kickoff?

• 59:11Speaker 03

  Yeah.

• 59:11Caleb Hammer?

  Okay, and what are you doing with kickoff? Because there's good ways to use it-

• 59:15Speaker 03

  I just recently got it and I haven't really used it much.

• 59:19Caleb Hammer?

  Well, I advocate for it in the credit building way, but I want you to just be careful.

• 59:23Speaker 03

  Yeah, I haven't really done anything with it. I just recently downloaded it.

• 59:27Caleb Hammer?

  Okay.

• 59:28Speaker 03

  Haven't really figured out how the best way to use that is yet.

• 59:31Caleb Hammer?

  Now, here we go. Good old collections. Data International. $5,159. What is this?

• 59:40Speaker 03

  That's, goes into the apartment debt. That's what that is.

• 59:44Caleb Hammer?

  Additional?

• 59:45Speaker 03

  No, no, no. That's like, the chunk of it.

• 59:48Caleb Hammer?

  Okay, what's your minimum on this? So I'll cross off the two previous landlords and now we put this in.

• 59:54Speaker 03

  Okay, it's in the, so it's in collections. It's in the payment that I make towards the debt relief thing.

• 1:00:01Caleb Hammer?

  What all is in the debt relief too? Cause I don't see the-

• 1:00:04Speaker 03

  I can show you.

• 1:00:05Caleb Hammer?

  Okay, show me the debt relief. This is such a mess. What a mess. Why'd you do this debt relief specifically?

• 1:00:10Speaker 03

  Um, so I could have one, so I could have one payment-

• 1:00:14Caleb Hammer?

  Yeah, but they were in collections. You didn't have to make a payment in collections. Sure, they could have sued you and gone after you in court, but usually, no.

• 1:00:20Speaker 03

  If it's in collections, I don't have to pay it? Well, my credit was-

• 1:00:22Caleb Hammer?

  It's not about that, but yes, your credit sucks. And the $5,000 one, honestly, is pretty chunky. Maybe they would have gone after you in a legal way. So, you know, that one I'm okay with paying on for sure. But usually after a few hundred bucks, you know, they don't really come after you in a legal sense. Um, and it's not that you don't have to pay it. Moral obligation, sure, but if also if your credit in seven years, that's seven years to you being, and not being able to apply for any debt whatsoever. Sometimes that's not the worst.

• 1:00:52Speaker 03

  Debt relief thing that I'm paying off on.

• 1:00:54Caleb Hammer?

  Oh.

• 1:00:57Speaker 03

  Start to Capital One.

• 1:00:59Caleb Hammer?

  Oh, the Capital One itself is $21,577?

• 1:01:05Speaker 03

  Yeah.

• 1:01:06Caleb Hammer?

  What is happening?

• 1:01:07Speaker 03

  Yeah, that was the big one that I racked up after. That was my coping card.

• 1:01:13Caleb Hammer?

  Over how long did you spend $21,577?

• 1:01:19Speaker 03

  A year, year and a half.

• 1:01:20Caleb Hammer?

  That's insane. All I'm just going out and beving it up? That's wild.

• 1:01:26Speaker 03

  I like, I also used it for like, other necessities, like dog food and HelloFresh and... So it's not like I only use that for going out.

• 1:01:37Caleb Hammer?

  Saying, now I have, oh, Madison Adele, $5,795.

• 1:01:41Speaker 03

  That's the one that's like IQ data.

• 1:01:43Caleb Hammer?

  Marcus loans?

• 1:01:44Speaker 03

  What's that one?

• 1:01:45Caleb Hammer?

  I don't know!

• 1:01:46Speaker 03

  Let me see.

• 1:01:47Caleb Hammer?

  Marcus loans, my golden sacks! It's Marcus.

• 1:01:50Speaker 03

  Oh, that's a-

• 1:01:50Caleb Hammer?

  It's a loan. Usually it's a high-yield savings account that most people use, but you got a loan with them.

• 1:01:53Speaker 03

  Then that's my Apple credit card.

• 1:01:55Caleb Hammer?

  Oh, you owed $5,000?

• 1:01:59Speaker 03

  That sounds right.

• 1:01:59Caleb Hammer?

  $3,000? 319 on that?

• 1:02:03Speaker 03

  Yeah.

• 1:02:04Caleb Hammer?

  That's fucking crazy. You paid off a- Small couple hundred dollar patient first one.

• 1:02:12Speaker 03

  That's what was left on the boob job.

• 1:02:15Caleb Hammer?

  Oh guys, she national debt relieved her boobs.

• 1:02:21Caleb Hammer?

  She national debt relieved her fucking tits.

• 1:02:24Speaker 03

  Well, I stopped making the payments on them and so they just like looped all into one payment.

• 1:02:28Caleb Hammer?

  Maybe they should repo them. What the?

• 1:02:30Speaker 03

  It costs them more money than I owe them.

• 1:02:33Caleb Hammer?

  What the are we doing where you can't pay for your own fucking tits?

• 1:02:39Speaker 03

  Having great tits.

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• 1:03:01Caleb Hammer?

  Well then take the train, you f-

• 1:03:03Speaker 05

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• 1:03:06Caleb Hammer?

  That is, that one is. I would go off brand.

• 1:03:10Speaker 05

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• 1:03:13Speaker 03

  This was wild.

• 1:03:15Speaker 05

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• 1:03:36Caleb Hammer?

  You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances. How? Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial.

• 1:04:15Speaker 03

  Hey, your buddy said, "Worth the money."

• 1:04:17Caleb Hammer?

  He's obsessed with the faker them better.

• 1:04:20Speaker 03

  He has good taste.

• 1:04:23Caleb Hammer?

  Okay. National debt relief is not a bad thing. It's just like, it's just like the debt you got into is crazy.

• 1:04:31Speaker 03

  I know, I know.

• 1:04:32Caleb Hammer?

  And you got, you got, you literally got titties on here.

• 1:04:35Speaker 03

  Yeah, only a couple hundred and I just looped that into one payment.

• 1:04:38Caleb Hammer?

  Well, you paid that off immediately, but you've only made $839 of progress on $31,530. So it's like, great.

• 1:04:49Caleb Hammer?

  Great. So you owe $30,691 on here. Now we're crossing off of the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that Capital One, which is crazy.

• 1:05:10Speaker 03

  Yeah, that one got a little out of hand.

• 1:05:12Caleb Hammer?

  Crazy. What is your minimum monthly payment on this thing?

• 1:05:15Speaker 03

  Well, now I pay it all in one payment to National Debt Relief.

• 1:05:17Caleb Hammer?

  Huh?

• 1:05:18Speaker 03

  Now I pay it all, like,

• 1:05:19Caleb Hammer?

  Yes.

• 1:05:19Speaker 03

  I pay, I pay $544 a month.

• 1:05:22Caleb Hammer?

  There you go. That's what I was asking.

• 1:05:24Speaker 03

  You asked about the Capital One card.

• 1:05:25Caleb Hammer?

  Huh?

• 1:05:26Speaker 03

  You asked about the Capital One card, not the...

• 1:05:28Caleb Hammer?

  Well, I, I, okay, sure, maybe. I meant this though, so $544. $540.

• 1:05:36Caleb Hammer?

  How long have you been in this?

• 1:05:39Speaker 03

  Um, I started racking that up about three years ago.

• 1:05:42Caleb Hammer?

  No, no, no, no. The National Debt Relief. Are you sure you just can't answer questions?

• 1:05:45Speaker 03

  Are you sure you can't ask questions, right? I don't know. You're jumping from one thing to another. I signed up for that National Debt Relief in January-ish. January, February.

• 1:05:55Caleb Hammer?

  And it's been $544 this whole time?

• 1:05:57Speaker 03

  Well, it's $273 every two weeks, and then I changed it to do just one payment a month. Cause I found that.

• 1:06:04Caleb Hammer?

  Times two. I mean, okay, so it's still the same.

• 1:06:07Speaker 03

  Yeah.

• 1:06:08Caleb Hammer?

  But you've only made $800? You've made two months of progress?

• 1:06:12Speaker 03

  Well, okay, so if you go to the last page, it shows like $2,700 in the account. So like, I guess it's at the top. Yeah.

• 1:06:21Caleb Hammer?

  That they're using to negotiate?

• 1:06:23Speaker 03

  Yeah.

• 1:06:24Caleb Hammer?

  Okay. So that's what's in there. Okay, I got it.

• 1:06:30Caleb Hammer?

  That's rough, man. That's rough.

• 1:06:33Speaker 03

  I know.

• 1:06:35Caleb Hammer?

  That's crazy. And now let's look at your spending. First of all, what even the fu- What is this? What is this account, dude?

• 1:06:42Caleb Hammer?

  What am I looking at?

• 1:06:43Speaker 03

  That's my checking account.

• 1:06:44Caleb Hammer?

  What, what, checking with who? What is this?

• 1:06:46Speaker 03

  Capital One.

• 1:06:47Caleb Hammer?

  So, Capital One checking, okay. Immediately in here, Venmoing out $12.50, Venmoing now $8.29. Now, these are Ubers, most likely.

• 1:06:55Speaker 03

  Yes.

• 1:06:56Caleb Hammer?

  Uh, Old Greg Brewing, $8.50, but we're struggling to survive. Great! Uber!

• 1:07:03Speaker 03

  I got the happy hour.

• 1:07:04Caleb Hammer?

  Uber! Uber!

• 1:07:06Speaker 03

  I told you, the Ubers are out of-

• 1:07:08Caleb Hammer?

  I'm calling them out still, though. And also, really? $838 of Uber in one sitting? That doesn't really make sense. I don't think- look at that.

• 1:07:19Speaker 03

  Oh, that was, that was, um, for the deposit and rent.

• 1:07:23Caleb Hammer?

  Oh, they're not all Ubers, like you said earlier.

• 1:07:25Speaker 03

  The big ones are rents.

• 1:07:28Caleb Hammer?

  Okay, then half of them have been Ubers that I've called out so far, by the way.

• 1:07:31Speaker 03

  Majority of them.

• 1:07:32Caleb Hammer?

  Smoker Buzz.

• 1:07:34Speaker 03

  It was a vape.

• 1:07:35Caleb Hammer?

  You're a vapor? Why? We are, we, you're older than me. I know for a fact you were not in the vape high school world.

• 1:07:44Speaker 03

  No, I was not.

• 1:07:45Caleb Hammer?

  You picked that up? What are the, what a stupid thing to pick up. That's such an expen- how, how often are you getting vape?

• 1:07:52Speaker 03

  Uh, like, once every two weeks.

• 1:07:53Caleb Hammer?

  And how much is it per?

• 1:07:54Speaker 03

  Twenty. That's not that bad, $40 a month.

• 1:07:57Caleb Hammer?

  Shut the f- up. What are you talking about?

• 1:08:00Caleb Hammer?

  That is $500 a month. That is an extra payment on your national debt relief, uh, a year. That is an extra payment on your national debt relief a year. Off. That is substantial. Everything little, every little thing call, counts. Uber, Uber, Uber. And by the way, we know when some of the Ubers, they're Uber eating.

• 1:08:18Speaker 03

  Yeah.

• 1:08:19Caleb Hammer?

  Taco Bell. So shut up, that's all Uber. So Uber, Turn Still Coffee, Night Owl Bar, Uber Eats probably, Uber, Uber, Uber, Uber Eats probably, Uber, Uber, Uber.

• 1:08:33Speaker 03

  See, the majority of my spending is getting around.

• 1:08:35Caleb Hammer?

  Come on. There's still Ubers. You, it's unacceptable to be doing Uber Eats in your situation when you owe money to friends and boyfriend. What a disgusting thing to do. Spokeman Highland.

• 1:08:47Speaker 03

  It's a coffee.

• 1:08:47Caleb Hammer?

  Uber eats or actually large Uber. So something else. Easy Tiger.

• 1:08:52Speaker 03

  Hundred.

• 1:08:52Caleb Hammer?

  Uber, Uber, Uber, Uber. And also maybe you're going around too much. Maybe you shouldn't be going out. If you cannot afford, maybe you shouldn't be going all these places if you can't afford the transportation or take the bike or scooter or transport or bus. I know you can bus from your area. You can bus. Is it convenient? No, you can. Planet. Uber, Uber, Uber, Uber. Metro thing is like 50 bucks a month or something or a hundred bucks a month. You, I mean, you do that in a day. Uber, Uber, Uber. Netflix, going in and getting some bull from the gas station. Certainly know it's not gas for you. Cash app paying out money. Uber, Uber. Maddy's North Lamar. Probably Uber Eats, then Uber Wendy's.

• 1:09:36Speaker 03

  No, Maddy's. I didn't Uber Eats. That was.

• 1:09:37Caleb Hammer?

  No, I'm talking about the next Ubering thing. Nosh and Bevy, the Hideout Pub, Uber, Spokesman Highland. A huge Venmo of 650 bucks.

• 1:09:48Speaker 03

  That was a.

• 1:09:49Caleb Hammer?

  Uber, Uber, Uber. Uber, Uber, Uber, Uber, Uber Eats probably. Uber, Uber. Uber Eats probably. Uber Eats probably. Cash app being sent out. Uber, Uber. Coffee, Kung Fu Salon, Kung Fu Salon, Uber Eats probably, Venmoing out $500. So many of these this month. Wendy's.

• 1:10:10Speaker 03

  That's how I was paying rent.

• 1:10:11Caleb Hammer?

  Jack Ginger's Weekly, because it's like every second.

• 1:10:14Speaker 03

  Well, I paid, made some partial payments.

• 1:10:18Caleb Hammer?

  Dude, Uber Eats probably while she's making partial payments.

• 1:10:21Speaker 03

  Well, actually, the $500.

• 1:10:22Caleb Hammer?

  The Grand Bazaar. Uber, Nosh and Bevy, while she's making partial payments. Uber Eats probably.

• 1:10:29Speaker 03

  No, that $500 one was.

• 1:10:30Caleb Hammer?

  Uber Eats probably. Uber, Uber, Uber, Uber, Uber, Uber, Uber. Hulu for $90?

• 1:10:38Speaker 03

  I knew you were gonna hit on that.

• 1:10:39Caleb Hammer?

  Well, no, what the is that? You already have Peacock that you tried to justify.

• 1:10:43Speaker 03

  Hulu has different stuff and it has the live. I pay for the live.

• 1:10:47Caleb Hammer?

  Guys, Hulu has different stuff.

• 1:10:50Speaker 03

  It has the subscription I have pay gets the live. So like cable.

• 1:10:54Caleb Hammer?

  I don't care. You do not get cable if you cannot afford life. You have, you owe your friend and boyfriend money.

• 1:11:02Speaker 03

  I actually think, I'm pretty sure I changed the Hulu one, but it just hasn't, I haven't been billed for the next cycle.

• 1:11:07Caleb Hammer?

  Bro, this is so stupid. Uber, one.

• 1:11:12Caleb Hammer?

  Apple Cash, an out, White Tiger, going in, getting some bull Uber, oh my

• 1:11:20Caleb Hammer?

  spokesman Highland, Uber, Brew Market, Apple, Apple, spokesman Highland, Apple, Apple, Uber Eats for sure, go fund me, go fund, pay it off your friend, you dumb My coworker has cancer. I don't give a, I don't give a, I don't give a That sucks, your coworker has cancer. You do not have money. And also, if we're being completely honest, that absolutely sucks $30, it's not gonna do anything. I know. I know it's about the lots of small amounts makes a cancer payment. Like, I advocate for that. I support that. Let's absolutely give. You're not in a position to, and you're hurting yourself.

• 1:12:01Caleb Hammer?

  I'm sorry. Send me theirs and I'll give them much more money. That's, that's what matters more. You know? Yeah. And the more you want to give to things in the future, the less you'll be able to, because you're preventing yourself from being able to do anything by, by not allowing yourself to dig out of a hole. That's what happens. When people want to be a little charitable here and there, but they're in a bad financial situation, it prevents them from being much more charitable over the course of their life. Cause you need to get out of this and then you can give so much more. So it's not about the cancer thing. That's sad, but it's obviously about just the overall situation. Cash App, 60 bucks, barbecue chicken, USA,

• 1:12:41Caleb Hammer?

  Zelker Brewing Company, Uber Eats, what the, pull up your checking account for me right now. What a joke. What a joke. That spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives. What a joke.

• 1:13:02Caleb Hammer?

  Available balance, $92.

• 1:13:08Caleb Hammer?

  That's insane, dude. That's insane. I started with 21. That's insane. Surprised you have not overdraft this year, holding us so low. Holding us so low. We got a, oh guys, we got a 360 money market account, got a, what is that? 87 cents.

• 1:13:33Caleb Hammer?

  Wonderful. Of which you probably pay a fee to have.

• 1:13:36Speaker 03

  I do not.

• 1:13:38Caleb Hammer?

  Okay, thank goodness. That's six cents in interest, well done. That's crazy. Okay, what, what, oh, before we build this budget, I mean, listen, there is an income conversation, there is, again, I'm a little nervous about if we're in a recession or anything, your industry being impacted. What are we trying to do? Cause it sounds like you have no idea what you want to do. You've been hopping jobs like crazy, right?

• 1:14:00Speaker 03

  Yeah, I've done a few things.

• 1:14:01Caleb Hammer?

  Tell me, tell me over like the past 10 years, what have your, what's your job situations been?

• 1:14:07Speaker 03

  Um, I was a hairstylist for the majority of that time and then, well then COVID happens.

• 1:14:13Caleb Hammer?

  Yeah, well, but you're in Texas, we were close for a month.

• 1:14:16Speaker 03

  Yeah, but then I sat on the couch for a month and I started getting tech.

• 1:14:20Caleb Hammer?

  It was a you thing.

• 1:14:22Speaker 03

  I, while I was sitting on the couch for a month, I started studying for exams in tech, like Microsoft.

• 1:14:28Caleb Hammer?

  Tech certifications?

• 1:14:29Speaker 03

  Yeah.

• 1:14:29Caleb Hammer?

  Okay, what'd you get?

• 1:14:31Speaker 03

  I got, uh, two different Microsoft certifications. And then I got, like, once people started hiring again, I got a job. I don't even, one was an Azure one and then one was a 365.

• 1:14:44Caleb Hammer?

  Okay, and then you, oh.

• 1:14:46Speaker 03

  Pretty basic ones to get started in.

• 1:14:48Caleb Hammer?

  And then you got a job doing what exactly? You're starting to tell me earlier.

• 1:14:51Speaker 03

  So I started.

• 1:14:51Caleb Hammer?

  Tech support's good.

• 1:14:52Speaker 03

  Tech support, I was making 36K, so it wasn't great, but it was.

• 1:14:55Caleb Hammer?

  But tech support can be good, you can move up in that. And maybe that can get you into tech sales. Listen, it's not great in tech right now, but I can get you that certification specifically. Tech sales can be really lucrative. You don't seem like a people person, you're a little bit of a wrist slitty emo, gonna kill everyone. But, you know, if you decided to be a people person. I know. For you, exactly. That's why maybe you wouldn't be good in tech sales.

• 1:15:20Speaker 03

  Yeah, also a lot of sales jobs, you have to have a bachelor's degree and I do not have that.

• 1:15:24Caleb Hammer?

  This is tech sales though. Sales, sales is more about the grind, the numbers, the resume you bring in, the things, the data you can show. A hustle. I bet you don't have, but a tech sales certification would help. Okay. So you're in tech sales, you're making thirty six thousand dollars a year for how long?

• 1:15:39Speaker 03

  Um, about August to March, about seven, eight months.

• 1:15:43Caleb Hammer?

  Why so low? Little?

• 1:15:45Speaker 03

  Um, because I got a different job making more money.

• 1:15:47Caleb Hammer?

  What was the different job?

• 1:15:48Speaker 03

  I worked for SHI. Um, so it was like-

• 1:15:51Caleb Hammer?

  As what?

• 1:15:52Speaker 03

  I worked for SHI as a, as a pre-sale service advisor. So it was like-

• 1:15:56Caleb Hammer?

  So still service?

• 1:15:58Speaker 03

  Yeah.

• 1:15:58Caleb Hammer?

  Uh, but good. What were you making?

• 1:15:59Speaker 03

  Technical. Sixty-five.

• 1:16:02Caleb Hammer?

  Look at that!

• 1:16:03Speaker 03

  Yeah.

• 1:16:04Caleb Hammer?

  It's basically what you're doing now, except it was probably more enjoyable, right? More consistent? Less grind? Okay.

• 1:16:09Speaker 03

  Well, yeah. They put everybody back in office and I was living in Round Rock at the time. And then I had to go all the way down south and it was-

• 1:16:15Caleb Hammer?

  Yeah, it sucks. Okay. But, okay, so what made you leave that? How long did you do that?

• 1:16:20Speaker 03

  Um, about-

• 1:16:21Caleb Hammer?

  Just assess your resumes. We're thinking of what to do next.

• 1:16:24Speaker 03

  A year and a half.

• 1:16:25Caleb Hammer?

  Okay. Okay. Shows you stick somewhere for a little bit. I would prefer to, but that's fine. And you're making sixty-five. When'd you leave that? Where'd you go to?

• 1:16:32Speaker 03

  Um, left that-

• 1:16:36Speaker 03

  About two. Yeah. So I guess I've been bartending about two years, not three.

• 1:16:39Caleb Hammer?

  So that was straight to bartending from there?

• 1:16:40Speaker 03

  Two years ago.

• 1:16:41Caleb Hammer?

  Why'd you go into bartending from that?

• 1:16:43Speaker 03

  I wanted something really quick and I also just really didn't like-

• 1:16:46Caleb Hammer?

  Did you get laid off or did you quit?

• 1:16:48Speaker 03

  Laid off. They started laid off a bunch of people.

• 1:16:51Caleb Hammer?

  Okay.

• 1:16:51Speaker 03

  Yeah.

• 1:16:52Caleb Hammer?

  Did you get severance?

• 1:16:53Speaker 03

  Yes.

• 1:16:54Caleb Hammer?

  Man.

• 1:16:55Speaker 03

  Yeah. So then I went into bartending and now, and then I just kind of stayed with that. I've spent the la- spent the last year managing a place. So to build some kind of management on my resume as well. Learned a lot. So I can stick to a place.

• 1:17:11Caleb Hammer?

  Um, so your resume is okay. The bartending thing honestly isn't really gonna help it, unfortunately. Cause it shows that you left from tech and you went into service.

• 1:17:19Speaker 03

  Yeah, but the management side of it.

• 1:17:20Caleb Hammer?

  Oh, you and your boyfriend want to move to San Diego. How are we doing that? How's it even possible?

• 1:17:25Speaker 03

  Well, that, this has got to get worked out first.

• 1:17:27Caleb Hammer?

  Well, this is an insane amount of things to get worked out first.

• 1:17:30Speaker 03

  I know.

• 1:17:32Caleb Hammer?

  What's your rent?

• 1:17:34Speaker 03

  Eight seventy-five.

• 1:17:35Caleb Hammer?

  What about utilities all combined?

• 1:17:36Speaker 03

  About one fifty.

• 1:17:38Caleb Hammer?

  Okay, what's your phone bill?

• 1:17:40Speaker 03

  One ten.

• 1:17:41Caleb Hammer?

  So have your cause, uh, what is it? Ca- ca- ca- license?

• 1:17:45Speaker 03

  Um, I don't have it anymore. It expired.

• 1:17:47Caleb Hammer?

  Why? Oh, can you re-up? How is easy is it to re-up?

• 1:17:51Speaker 03

  I might be able to re-up. I'm not sure if I would have to take state board again because it's been so long.

• 1:17:57Caleb Hammer?

  Your minimum monthly payments are nine hundred seven dollars. Mind you, your income is four thousand one hundred sixteen. Okay, did you calculate your internet and your utility payments or is that separate?

• 1:18:07Speaker 03

  Yeah.

• 1:18:08Caleb Hammer?

  Okay, how much on Ubering a month? Well, we kind of did it. Listen, I saw about ten, ten back and forth. Well, let's round it up to twelve. You do five days a week, so that's twenty-four times five times fifty-two divided by twelve. Okay, so that's five hundred twenty dollars a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end, declining asset, absolutely. Let's save up. Let's get a car.

• 1:18:32Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.

• 1:19:03Caleb Hammer?

  But except, except, no, except you take the bus. I'm sorry, take the bus. Like, I almost, I almost convinced myself to be on your side for a second. No, take the bus. We live in a city. We live in a city that has a halfway decent bus network.

• 1:19:19Speaker 03

  I can gaslight you back into a...

• 1:19:21Caleb Hammer?

  No, you can't. Take the bus. I know where you live.

• 1:19:22Speaker 03

  Yeah. No, you don't.

• 1:19:24Caleb Hammer?

  You told me before.

• 1:19:25Speaker 03

  I have a general area.

• 1:19:26Caleb Hammer?

  Yeah, and I know there's buses there.

• 1:19:28Speaker 03

  I don't know where they are.

• 1:19:29Caleb Hammer?

  That's a map. You look at the map.

• 1:19:31Speaker 03

  Uh, bus scares me.

• 1:19:33Caleb Hammer?

  No, it doesn't. No one's on them in Austin. You'll be the solo rider.

• 1:19:37Speaker 03

  Okay, maybe the train. I don't know where that, the bus wants me is though, but it drops off right in front of my work.

• 1:19:44Caleb Hammer?

  Well, that's actually fine. That's actually fine. She told me where she is. Listen, you can take about a ten-minute bus to the train station and then train can take you to work. There you go. Listen, transportation budget, I think you can do three hundred bucks a month. Let's try to cut this down. Let's grind to the bone. 300 and that's me being generous. Giving some Ubers here and there.

• 1:20:02Speaker 03

  Okay.

• 1:20:03Caleb Hammer?

  You can do that. I know for a fact you can take a bus to the transit hub there that takes the train to your work. And the train system is incredible here in Austin if you can get to it. And I know you can. Unfortunately, the vast majority of people can't get to it because it's just a very limited line. But if you're on it, it's a great train system.

• 1:20:25Speaker 03

  Okay.

• 1:20:26Caleb Hammer?

  Okay, so 300 for your transportation budget. You should be able to do that. Food, you can do 300 for yourself. We'll give you the, uh, can I hand that?

• 1:20:37Caleb Hammer?

  We'll get you set up with the budget from the cookbook. You follow it. 300 bucks a month. It's good. Remember, get it signed by signing up for Dollar Wise Central or the annual version of the Dollar Wise Premium Budgeting App. I'll sign it just like that. But use this. You can do $300 a month at HUB. We've priced it out.

• 1:20:52Speaker 03

  Signed one.

• 1:20:54Caleb Hammer?

  You. Maybe I'll just burn yours.

• 1:20:58Caleb Hammer?

  Yeah, 300. TP fund, anything else you need to survive, 100 bucks. Medical, healthcare, any copays, anything on a monthly basis, prescriptions, why not?

• 1:21:05Speaker 03

  Nope.

• 1:21:06Caleb Hammer?

  Okay, Jim?

• 1:21:08Speaker 03

  I don't have that, but I would like to factor that into the budget because there's one right by my work. 50 bucks.

• 1:21:14Caleb Hammer?

  What about a $25, Jim?

• 1:21:17Speaker 03

  Well.

• 1:21:18Caleb Hammer?

  Okay, let's see if we can do it. Let's see if we can do it. 50 bucks. Subscriptions. Let's see if we can do $30.

• 1:21:25Speaker 03

  30?

• 1:21:27Caleb Hammer?

  You.

• 1:21:28Speaker 03

  Netflix alone is 17.

• 1:21:29Caleb Hammer?

  Pick one.

• 1:21:32Caleb Hammer?

  Pick one!

• 1:21:34Speaker 03

  Okay.

• 1:21:36Caleb Hammer?

  Uh, I'll see if I can do 40. Let's see. Okay, dogs. There's no pet insurance.

• 1:21:41Speaker 03

  No.

• 1:21:42Caleb Hammer?

  And they're too old. How much for food on a monthly basis?

• 1:21:46Speaker 03

  About 80.

• 1:21:47Caleb Hammer?

  Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs?

• 1:21:52Speaker 03

  I mean, just flea and tick stuff every like three months.

• 1:21:56Caleb Hammer?

  Okay, how much is that every three months?

• 1:21:58Speaker 03

  Um, about 100 bucks for both of them.

• 1:22:01Caleb Hammer?

  So we'll call it 34 bucks for dogs under health.

• 1:22:06Caleb Hammer?

  Obviously, one's 12. Some expenses will start going up, unfortunately, and I'm sorry.

• 1:22:15Caleb Hammer?

  Anything else that needs to be in your budget that I have not taken into account yet?

• 1:22:19Speaker 03

  Oh, I don't think, not that needs to be in my budget.

• 1:22:24Caleb Hammer?

  All right, let me do the math. What you need to survive is $2,946 a month. So what are we doing here? This is totally fine.

• 1:22:36Caleb Hammer?

  Let's, let's just round it, give you $170 a wiggle room. Since this is, you know, a lighter budget, we're kind of, you know, you will dive deep in and you'll figure things out. Well, let's say you have a thousand dollars left over. And yeah, it's still chunky and still thick.

• 1:22:51Speaker 03

  Factor in the, um, the debt payment?

• 1:22:54Caleb Hammer?

  Yeah, debt payments of $907 a month.

• 1:22:58Caleb Hammer?

  Listen, $30,691 plus 1,389 from the line of credit, plus 1,200 from the boyfriend, plus 700 from the friend, not doing the hot tub debt. And we, obviously, the first one was the national credit relief, debt relief. If I did that by a thousand, it was pretty basic math at that point, but that is 33 months. That is not the worst. Uh, we're talking, uh, about two and a half years? Close to three years, actually.

• 1:23:24Speaker 03

  To get it paid off?

• 1:23:25Caleb Hammer?

  Yeah.

• 1:23:26Speaker 03

  Okay.

• 1:23:26Caleb Hammer?

  Two years and two quarters for a bartender is amazing. People take five, 10, 20, 30 years when we do the calculations on this. So 30 years, you can do this in literally under three. Boost your income, get a second job, boom, get this paid off in two years total.

• 1:23:50Speaker 03

  Okay.

• 1:23:52Caleb Hammer?

  Come on, it's everything. This is incredible. You have the opportunity of a lifetime here. Here's the reality, you don't have an emergency fund that is scary. You keep borrowing from friends. I'm surprised you're not borrowing from family.

• 1:24:08Caleb Hammer?

  I guess it's because of the disappointment, right?

• 1:24:11Caleb Hammer?

  I want you to pick up a second job. Bring in an extra $500, pay this off in two years, $500 a month. That's all I'm asking you to bring in extra, okay? You have some personal clients on the hair job, you know, side. I don't, I don't know, which is whatever it could be. Coffee shop doesn't matter. Pick up more hours at the bar, uh, go to a different bar, you know? I, I don't know. I don't know, but

• 1:24:30Speaker 03

  $500?

• 1:24:31Caleb Hammer?

  Are you working on one of the party streets?

• 1:24:33Speaker 03

  No.

• 1:24:34Caleb Hammer?

  Probably make more money there, right?

• 1:24:36Speaker 03

  Maybe, it depends on the season. It fluctuates a lot more, yeah, than the hours.

• 1:24:41Caleb Hammer?

  Um, but, but yeah, but that's what, that's what the money is though. This is a grind for two years. You can do this in two years and then call in another six months to build a fully funded emergency fund. Okay, I'd get a one month emergency fund or save up whatever your highest deductible for any of your insurance.

• 1:24:57Speaker 03

  One month would be 20, what, 29? Is that what we said?

• 1:25:02Caleb Hammer?

  Huh? Oh, yeah, with your debt, but it would be closer to 2,000, 2,100, once your debts are gone. So, yeah, I would save up about 12,000 bucks.

• 1:25:12Speaker 03

  Okay.

• 1:25:13Caleb Hammer?

  So call it two and a half years to have a fully funded emergency fund, all bad debt paid off. Keep taking public transportation through there as long as you absolutely can with a little bit of Ubering. Do not get a car yet, not get a car. And then at that point, we are saving up 5,000 dollars. I'll let you put $5,000 down on a $10,000 car. And then you aggressively pay off that 5,000.

• 1:25:32Speaker 03

  How long is a $10,000 car gonna last me though?

• 1:25:34Caleb Hammer?

  For a wa- dude.

• 1:25:35Speaker 03

  Cars are expensive.

• 1:25:37Caleb Hammer?

  Cars are expensive and it, it, it's not as easy as it has been to find, but you're in a large metro area in the Texas triangle, which means you're in the middle of also four large metro areas. So you have a lot to choose from and no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So you're gonna pay for them to look at it and give their full sign off that this is gonna be safe. This is gonna last you for a few years without major repairs. Cause this is not a forever car, this is a few year car. And you pay off that extra 5,000 dollars in debt, either preferably not with the emergency fund, but if it's high interest, yeah, use the emergency fund, boom, then you have a paid off car and you gotta build up the emergency fund again. But if it's low interest, then you just paid on that. And then, listen, I didn't see a retirement account here, is there retirement?

• 1:26:17Speaker 03

  No.

• 1:26:18Caleb Hammer?

  Okay, then at that point, once that is done, we're talking maybe three, three years and a quarter. Then we are

• 1:26:27Speaker 03

  Getting a car for 10K?

• 1:26:28Caleb Hammer?

  No, no, no, no, this is after you paid off that car. Then we are doing 50, 30, 20, 50% on your needs, 30% on wants and 20% to investing.

• 1:26:38Caleb Hammer?

  Maybe 30, 25, 25, because you'll be starting mid, mid 30s. Retirement. So you lost, you lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement. Shot at dignity in retirement, because this is, I'm not realizing on social security. Well, that's a bad way to look at things, but let's look at the higher likelihood chance that it's not going to. Okay. So that's what I recommend. I'm going to call her current boyfriend and talk about what her debt looks like, because he probably has no idea, because he didn't even, he didn't even know about the line of credit. He knows. You didn't, you don't even know about the line of credit. We're going to talk about his debt and stuff. So I'm going to call him, confront the situation in the post show. Let's get our

• 1:27:20Caleb Hammer?

  hammer financial score first. Okay. Spending on a budget, overspent, zero out of 10. Debt, you have collections, zero out of 10. Emergency funds, there's nothing, zero out of 10. Retirement, there's nothing, zero out of 10. Real estate, there's nothing, zero out of 10. Wow. Hammer financial score. It's been a while since we've had one of these, literally a zero out of 10, and she thought it was a three. Good luck. Get your financial score. Get your financial score below at CalebHammer.com and come join us in the post show by joining Hammer Elite below. Three premiere shows posted Monday through Friday, every single day. I'll see you in the post show. I'm calling your boyfriend. Hello. Big guy. Your girlfriend owes you a lot of money. What did she do instead? She opened this conversation bragging, hey, I don't spend on credit cards anymore. You know what she did, which you probably do not know, because she doesn't even know? She's over maxed out on it, which is why she can't use it.

• 1:28:05Speaker 00

  I did not know that.

• 1:28:07Caleb Hammer?

  Now, does her financial situation make you hesitate this relationship?

• 1:28:13Speaker 00

  Yeah, it's a, I mean, well, that is a, yeah, something that does weigh on my mind a little bit about this relationship for sure.

• 1:28:19Caleb Hammer?

  Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:28:30Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters, so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.