$74,000 For New Boobs | Financial Audit

This is BY FAR the craziest post-show we have ever done. I bring in the boyfriend, and guess what? *SHE RECORDED THE FIGHT THEY HAD* about him not paying bills!!! It is absolutely insane. If you only ever watch one post-show, this one should be it... Watch here: ➡️ https://bit.ly/chpostshow 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 10:48 hes in the studio btw 22:04 problem solved! theyll figure it out 30:50 i mean if the shoe fits.. 48:54 yiiikes 01:04:49 funny how that works.. 01:28:42 Budget!! ============================= Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:30Speaker 01

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• 0:59Caleb Hammer?

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

• 1:03Speaker 03

  I mean, I used to be a sugar baby.

• 1:05Caleb Hammer?

  And he would [BLEEP] you.

• 1:06Speaker 03

  Yeah.

• 1:07Caleb Hammer?

  Okay, so kind of like [BLEEP]. Okay, keep going.

• 1:09Speaker 03

  No.

• 1:10Caleb Hammer?

  Bliss Aesthetics for $1,000. What the [BLEEP] are you doing?

• 1:13Speaker 03

  That is actually my deposit for my boob job. I want a boob job.

• 1:17Caleb Hammer?

  Your down payment on the aesthetics thing is literally done on Klarna.

• 1:21Speaker 03

  Yeah.

• 1:22Caleb Hammer?

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• 1:45Speaker 03

  Hi, I'm Stevie. I'm 28. My pronouns are they/them. I'm from St. Louis, Missouri, and this is Financial Audit.

• 1:53Caleb Hammer?

  None of us could have guessed from the hair.

• 1:56Speaker 03

  No.

• 1:57Caleb Hammer?

  The McDonald's fries.

• 1:58Speaker 03

  This doesn't give it away?

• 1:59Caleb Hammer?

  Type of hair.

• 1:59Speaker 03

  Yeah. Who would have guessed?

• 2:01Caleb Hammer?

  Yeah, who?

• 2:02Speaker 03

  I'm obviously just like a regular, straight person sitting in front of you.

• 2:06Caleb Hammer?

  Uh huh. Okay. Great. So what do you do for? Welcome. Welcome down to Austin.

• 2:12Speaker 03

  Oh, thank you.

• 2:12Caleb Hammer?

  I'm happy to have you. Austin especially loves the they thems.

• 2:15Speaker 03

  Yes.

• 2:16Caleb Hammer?

  So you're, you're extra welcome. And before anyone says anything, I can't wash my hair today. Don't judge how I look. This is a requirement. I can wash it again tomorrow and I don't own any hats. Okay. So what do you do for a living in St. Louis? Barista?

• 2:31Speaker 03

  No, I work in telecommunications. Thank you very much.

• 2:36Caleb Hammer?

  Being the assistant that goes and gets coffee?

• 2:39Speaker 03

  No, I actually work like directly with internet and phone providers. And I build proposals for our clients to be like, hey, do you want better internet?

• 2:49Caleb Hammer?

  Okay, everyone likes better internet. That's good. So sales?

• 2:52Speaker 03

  I don't do sales.

• 2:53Caleb Hammer?

  No, you just create the packages.

• 2:55Speaker 03

  My role is not. I am very much like the man behind the curtain.

• 2:58Caleb Hammer?

  Well.

• 2:59Speaker 03

  I pulled the, um.

• 3:00Caleb Hammer?

  The they behind the curtain.

• 3:01Speaker 03

  I'm the person behind the curtain. I pull all the information and I'm like, here you go. You have fun talking to the customer, cause that is.

• 3:09Caleb Hammer?

  Oh, wait, you actually prefer male pronouns as well?

• 3:11Speaker 03

  I prefer like, like, call me like dude, bro.

• 3:15Caleb Hammer?

  Oh, oh, okay.

• 3:16Speaker 03

  I, I don't like like girl. No.

• 3:19Caleb Hammer?

  Are we?

• 3:22Caleb Hammer?

  Are we transitioning?

• 3:24Speaker 03

  No.

• 3:24Caleb Hammer?

  Okay. I just wanted to make sure. Cause I'm referring male things. So I'm just like, are we trying to budget in a future penis?

• 3:31Speaker 03

  No, I have one of those at home. It's fine.

• 3:36Caleb Hammer?

  Oh dildo.

• 3:37Speaker 03

  Well, yeah, I mean, yeah. And I, and I've got, you know, another one that's attached to a person.

• 3:42Caleb Hammer?

  A boyfriend?

• 3:43Speaker 03

  I do.

• 3:43Caleb Hammer?

  Oh, very good. Very good. Well, that, okay. Glad to hear. So what are you making in this job?

• 3:48Speaker 03

  So during the school year, they actually cut my pay.

• 3:53Caleb Hammer?

  That was gonna make a lot of people on Twitter happy. They them working with kids. Here we go. Okay.

• 3:59Speaker 03

  I love my kids.

• 4:01Caleb Hammer?

  Yeah, you keep saying it.

• 4:04Caleb Hammer?

  And what, so what do you make with this cut pay?

• 4:06Speaker 03

  Um, so they cut me down to 45.

• 4:09Caleb Hammer?

  How many reading sessions have you done in school?

• 4:11Speaker 03

  Reading sessions? I don't know what you're talking about.

• 4:17Caleb Hammer?

  What do you make?

• 4:18Speaker 03

  What do I make at a job? Big, big kid job?

• 4:21Caleb Hammer?

  Please, please don't do this. Oh, yes.

• 4:24Speaker 03

  Yeah, forty-five a year at thirty-six hours a week.

• 4:28Caleb Hammer?

  Forty-five? How the [__] are you?

• 4:31Speaker 03

  What do you mean?

• 4:31Caleb Hammer?

  St. Louis is chief declining city in every metric whatsoever and every way whatsoever. Pretty much a horrendous place to live. It's a shell of what used to be a

• 4:39Speaker 03

  Yeah.

• 4:39Caleb Hammer?

  major player in the United States. And I don't know why anyone lives there anymore, including yourself. So actually forty-five, I'm not saying you can do well off that, but I could see. Okay, so you're staying for family?

• 4:49Speaker 03

  Yeah.

• 4:50Caleb Hammer?

  That is the one reason to stay. That's the only reason I would be in West Michigan today if I was. No, I get it. But still, lack of opportunities kind of equals that forty-five thousand dollar job. But forty-five thousand dollars also stretches more in a city where you can get a house for one dollar. So that kind of makes sense. Forty-five thousand, how you doing?

• 5:08Speaker 03

  Um, I mean, I also work side jobs on top of that. So clearly that does not get me where I need to be.

• 5:17Caleb Hammer?

  Well, what are the side jobs?

• 5:18Speaker 03

  Yeah, I work with kids.

• 5:21Caleb Hammer?

  Hold on.

• 5:21Speaker 03

  I do, I do after-school care and tutoring, Monday through Thursday.

• 5:26Caleb Hammer?

  What do you tutor?

• 5:27Speaker 03

  Um, just kind of whatever. So the kids are in, the, the younger ones are in seventh grade. And then I have two high schoolers. Um, but pretty much I work with the seventh graders.

• 5:37Caleb Hammer?

  So what can I mark down as? Okay, let's go back to your main job. What can I mark down as hits per month?

• 5:42Speaker 03

  Can I use my calculator?

• 5:44Caleb Hammer?

  You don't know just your paycheck?

• 5:46Speaker 03

  I get a bonus, so I've three-

• 5:48Caleb Hammer?

  Use your calculator.

• 5:49Speaker 03

  Okay, thank you.

• 5:52Caleb Hammer?

  Tutor?

• 5:53Speaker 03

  Stop. Two thousand four hundred and forty-three a month.

• 5:58Caleb Hammer?

  Two thousand four hundred and forty-three?

• 6:00Speaker 03

  Yes.

• 6:01Caleb Hammer?

  Good.

• 6:01Speaker 03

  Yeah.

• 6:02Caleb Hammer?

  And what can we say from the other jobs?

• 6:04Speaker 03

  I make three ninety a week there.

• 6:10Caleb Hammer?

  That's not bad.

• 6:11Speaker 03

  No.

• 6:11Caleb Hammer?

  The heck aren't you doubling down on that, right? A week times fifty-two divided by twelve.

• 6:16Speaker 03

  Work with the kids while they're at school.

• 6:18Caleb Hammer?

  Yeah, no, no, no, for sure, for sure, for sure. I get that, but even still, I mean, are you working every single day, every single hour? Well, there you go. See, that's why I said let's double down. But either way, an extra sixty, ninety a month, right? I mean, that's not half bad when we're talking percentage increase from two thousand.

• 6:35Speaker 03

  School year, because my boss is like, I hate the fact that you go back and work with the kids during the school year. And I'm like, are you gonna pay me that? No.

• 6:44Caleb Hammer?

  No, I mean, I get that, but if we're talking here, all of a sudden you're up to four thousand one hundred thirty-three. Now we're actually times twelve, talking fifty thousand hours a year. Now that that's a big change, that's a big increase. So what's going on? What are we talking about?

• 6:58Speaker 03

  I've got a lot of debt and I just, I want to forget about that. And I don't want to forget about it, but I want to like get rid of it. I want a boob job.

• 7:10Speaker 03

  I like.

• 7:12Caleb Hammer?

  I guess they don't exist. I can see that.

• 7:14Speaker 03

  They, I, I only wear sports bras, which is the ironic thing.

• 7:19Speaker 03

  I don't like regular.

• 7:20Caleb Hammer?

  What are you trying to do?

• 7:22Speaker 03

  I want them lifted. I just want them to like.

• 7:24Caleb Hammer?

  They're saggy.

• 7:25Speaker 03

  Yeah.

• 7:26Caleb Hammer?

  Why?

• 7:26Speaker 03

  My family has really bad boob jeans. Yeah.

• 7:31Caleb Hammer?

  Okay, so you want, you want, what, a nip tuck? Is that what it's called?

• 7:34Speaker 03

  No, what? It's a breast lift.

• 7:37Caleb Hammer?

  Breast lift?

• 7:38Speaker 03

  Yeah.

• 7:38Caleb Hammer?

  Okay, you want a breast lift, you want a perky and nice.

• 7:40Speaker 03

  We just like very, very small and.

• 7:43Caleb Hammer?

  Well, even though you're like a guy.

• 7:45Speaker 03

  Okay, gender identity and gender expression are two different things, Caleb.

• 7:50Caleb Hammer?

  I'm lost already.

• 7:51Speaker 03

  If you, if you look at me, you're gonna think, okay.

• 7:54Caleb Hammer?

  One.

• 7:55Speaker 03

  Yeah, exactly.

• 7:56Caleb Hammer?

  Crazy woman.

• 7:56Speaker 03

  What?

• 7:57Caleb Hammer?

  Woman.

• 7:58Speaker 03

  Gender identity, who I am, does not equal.

• 8:02Speaker 04

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• 8:31Speaker 03

  What I look like.

• 8:33Caleb Hammer?

  Okay, so you prefer male pronouns.

• 8:37Speaker 03

  No, no, no.

• 8:37Caleb Hammer?

  I want to make sure respectful.

• 8:38Speaker 03

  Gender neutral pronouns.

• 8:40Caleb Hammer?

  Oh, but you prefer the guy things.

• 8:42Speaker 03

  Terms, like dude.

• 8:44Caleb Hammer?

  Now there's pronouns and terms. Okay. Woo, it's not that I don't respect it. It is that I am.

• 8:49Speaker 03

  It's confusing.

• 8:50Caleb Hammer?

  Confused.

• 8:51Speaker 03

  It's okay.

• 8:52Caleb Hammer?

  Cause it's ever changing and everyone has their own definitions and then the moment you get it slightly wrong, you're a Nazi. Uh, so.

• 8:59Speaker 03

  I'm open to questions. I'm open to questions.

• 9:02Caleb Hammer?

  No, I just want to make sure I'm being respectful, but also I was kind of confused why someone who I thought was kind of a guy ish.

• 9:09Speaker 03

  Wants a good job.

• 9:10Caleb Hammer?

  Wants, yeah, their nipples to be perky nipples and boobies.

• 9:14Speaker 03

  Cause I like them. I did want to have like full on top surgery because I was having like really bad gender dysmorphia and like body dysmorphia there for a while.

• 9:22Caleb Hammer?

  There it is.

• 9:23Speaker 03

  And then I went like the polar opposite and I was like, you know what? I want my boobs to look real good.

• 9:28Caleb Hammer?

  Um.

• 9:32Caleb Hammer?

  That would have been concerning if you got a completely life altering surgery. How long did you have that thought for?

• 9:40Speaker 03

  A few years. It wasn't one of those things where like. Um, it was just like 2021, maybe.

• 9:47Caleb Hammer?

  Well, everyone was a little [__] up when we were locked inside.

• 9:49Speaker 03

  That's what I'm saying, you know, and then like I, I, I let that pass.

• 9:54Caleb Hammer?

  Again, I mean, I think everyone should do whatever the [__] they want to do. I don't care, but I'm also glad you didn't do that because now you literally want your boobs to be nicer.

• 10:02Speaker 03

  I know.

• 10:03Caleb Hammer?

  So what does this cost? What? So this is what we're trying to budget for?

• 10:07Speaker 03

  Yeah.

• 10:08Caleb Hammer?

  Well, what does this cost?

• 10:09Speaker 03

  It's 9,500.

• 10:11Caleb Hammer?

  Oh, for [__] sake. Okay. That's a lot when it comes to your job.

• 10:14Speaker 03

  But it's not a lot for a boob job.

• 10:17Caleb Hammer?

  And you're clearly just doing it for yourself, right? Cause like.

• 10:19Speaker 03

  Oh, 100%.

• 10:20Caleb Hammer?

  You just wear a sports bra. So you seem flat.

• 10:23Speaker 03

  Yeah.

• 10:24Caleb Hammer?

  Hmm. Okay.

• 10:25Speaker 03

  Cause I don't care what anybody else thinks to me, but like I want to feel good about it.

• 10:29Caleb Hammer?

  Do your thing. Full. Yeah. That's [__] expensive. $10,000 for.

• 10:32Speaker 03

  Yeah.

• 10:33Caleb Hammer?

  To get perky tits.

• 10:34Speaker 03

  Yeah. I'm not going to disagree with you on that, on that, the fact that I want to get them done.

• 10:41Caleb Hammer?

  What have you disagreed with me on? I haven't even like said an opinion.

• 10:44Speaker 03

  I know. Yeah. We haven't gotten there yet, but.

• 10:46Caleb Hammer?

  Learning and talking.

• 10:49Caleb Hammer?

  Okay, listen, I wanna know, well, first of all, I mean, what hit your account is going against everything what you're saying. It was only 3,700 versus the 41,370 that's supposed to come in.

• 11:03Speaker 03

  I get paid through Venmo.

• 11:05Caleb Hammer?

  Yes, I had Venmo come in of 1,107. This isn't mathing up, cuz even your payroll was higher than you said by $200, but the Venmo in was substantially less than what you say.

• 11:18Speaker 03

  That is like, I don't wanna say necessarily average, but that's like mostly what I get, but obviously there's weeks where I am not with the kids.

• 11:28Caleb Hammer?

  I don't know what's average, I don't know what's normal. Okay, but either way, so that's what came in, 3,746. What was your outflow? Outflow, total outflow, everything going out in every way?

• 11:38Speaker 03

  Um, I'm gonna say 4,500.

• 11:42Caleb Hammer?

  It was basically just under 6,000. So what the [__] are we doing?

• 11:46Speaker 03

  I don't know.

• 11:47Caleb Hammer?

  How do you get to the point of being able to afford a $10,000 boob job if we're spending thousands more than we make? What are we doing? Do you live with the boyfriend?

• 11:55Speaker 03

  Yeah.

• 11:56Caleb Hammer?

  Okay, so is that why your life is probably subsidized? Is that why you think you're able to just go spend more money than you make and not see the massive amount of consequences? You will, but it catches up a little slower. It catches up a little slower.

• 12:08Speaker 03

  I think it'll be worth it.

• 12:10Caleb Hammer?

  What is this? Well, actually, no, that doesn't even make sense because I'm literally, Lindsay's telling me that you actually just wanna break up with him. So what the [__]? Wait, he's here. Wait, he's here. Listen, he's the only reason you're able to survive right now, but you're about to, you want to break up.

• 12:30Speaker 03

  It's okay.

• 12:31Caleb Hammer?

  What the [__] are we doing? You're gonna, you're gonna be in the dirt. You're gonna be in a ditch.

• 12:36Speaker 03

  No, I have backup plans.

• 12:38Caleb Hammer?

  What's your backup plans? Mommy and daddy?

• 12:41Speaker 03

  No, my grandma.

• 12:42Caleb Hammer?

  Oh, for [__] sake. Dude, you're saying that at 28. What a joke. That's why you've never made any progress in your life. That's why you've never done anything. That's why you're prioritizing a boob job over literally anything else that would benefit your life, because people will be there and bail you out, so you've never had to grow up in your life.

• 13:01Speaker 03

  I absolutely have.

• 13:04Caleb Hammer?

  You're dressed like a clown.

• 13:07Speaker 03

  I'm not, okay.

• 13:09Caleb Hammer?

  No, with the hair and everything. So where's the grow up? I don't hear the grow up.

• 13:12Speaker 03

  Just because I have yellow hair, you think that I can't be a grown up?

• 13:16Caleb Hammer?

  Yes.

• 13:17Speaker 03

  I work in office shop. I got the office shop with the yellow hair. Okay?

• 13:21Caleb Hammer?

  Yeah, not making an office pay, but correct.

• 13:23Speaker 03

  Well, that's, it's a super small company and the owner hates me.

• 13:28Caleb Hammer?

  Company. I pay good money.

• 13:30Speaker 03

  Well, yeah, that's different though. That's because like you actually care. My boss doesn't care about his employees.

• 13:35Caleb Hammer?

  So a grown up would go get a better job.

• 13:38Speaker 03

  Um, have you, have you tried? Have you looked at the job market? I literally have.

• 13:44Caleb Hammer?

  I have the analytics. It's not the best job market right now. I will say, how long have you had this job?

• 13:48Speaker 03

  I've worked here for over a year now.

• 13:50Caleb Hammer?

  Okay. Well, it was a little better a year ago. Over a year.

• 13:53Speaker 03

  It took me six months to like get this job. What?

• 13:57Caleb Hammer?

  Huh?

• 13:58Speaker 03

  It took me six months to get into this job.

• 14:00Caleb Hammer?

  Okay. Well, she's also, Lindsay's also telling me that things are on the rocks at your current job. Like what? So break, want to break up with her boyfriend? Like the only reason that we're able to even like stay afloat. And two, things are on the rocks at the job, but I don't even know that.

• 14:13Speaker 03

  The job thing is not my fault.

• 14:14Caleb Hammer?

  Says every colored haired woman.

• 14:16Speaker 03

  Okay. So they're apparently implementing a new AI program. That is going to be specifically affecting my department. So.

• 14:25Caleb Hammer?

  AI is good at not canceling their employers on TikTok.

• 14:29Speaker 03

  I, nobody, nobody knows.

• 14:31Caleb Hammer?

  Girl, the moment you get laid off, you're going on TikTok and talking shit about that company.

• 14:35Speaker 03

  No, I'm not that type of person.

• 14:37Caleb Hammer?

  Uh huh.

• 14:38Speaker 03

  I, I talk about things with people that are close to me. Because it affects my life.

• 14:47Caleb Hammer?

  So what's on the rocks? Tell me.

• 14:49Speaker 03

  So, okay.

• 14:49Caleb Hammer?

  Cause that's your entire, that's like, that's uh 70% of your income source.

• 14:54Speaker 03

  I know. Literally a week ago, my boss called me into his office and wanted to offer me a different role.

• 15:02Caleb Hammer?

  The evil boss.

• 15:03Speaker 03

  Yeah. The one that hates me.

• 15:05Caleb Hammer?

  A different role.

• 15:06Speaker 03

  He wanted me to be on his team. Granted, keep in mind, two weeks before this, my supervisor was on her honeymoon. And so I was taking on like the brunt of her role, making sure everything got assigned, making sure all the work got done.

• 15:20Caleb Hammer?

  Small business, yes, you did your job.

• 15:21Speaker 03

  Yeah, and that, that is no problem to me. I do not mind doing that. However, while she was on her honeymoon, he brought me into his office and like berated me, docked my bonus.

• 15:31Caleb Hammer?

  Why?

• 15:32Speaker 03

  Saying that I was making too many mistakes. But I literally, there were three months in a row.

• 15:38Caleb Hammer?

  Instead of being defensive, try to take his perspective.

• 15:40Speaker 03

  Absolutely. I, but I, I agree. I agree that there were mistakes made.

• 15:46Caleb Hammer?

  Oh.

• 15:48Speaker 03

  Caleb, I'm a human.

• 15:49Caleb Hammer?

  You're a human, but guess what? There's another human out there that'll take the same pay, if not less pay, and have less mistakes.

• 15:54Speaker 03

  Okay, um, sure.

• 15:56Caleb Hammer?

  So you're really just, I mean.

• 15:57Speaker 03

  Sure, but when I ask questions.

• 16:00Caleb Hammer?

  It's you and employer to do a job to get the pay.

• 16:03Speaker 03

  But when I ask questions.

• 16:04Caleb Hammer?

  If you're not doing the job they want, they will not feel the desire to pay you. They will go find someone else that will do the pay and the job.

• 16:12Speaker 03

  However, why not tell me my mistakes?

• 16:15Caleb Hammer?

  Well, it sounds like he did.

• 16:16Speaker 03

  No.

• 16:17Caleb Hammer?

  Yeah?

• 16:17Speaker 03

  He literally told me that he wasn't going into detail about any of the mistakes. He kept it very vague the entire time I asked questions.

• 16:26Caleb Hammer?

  I don't know if I trust your interpretation of this event.

• 16:29Speaker 03

  That's totally fine. That's, you know, you don't, you don't have to, but I asked him specifically like, okay, what mistakes? Like, what can I do to like, you know, do better? You know, what are your expectations? I mean, he's like, I'm not going to go into detail about the whole thing. Just know that, you know, we're, we're just noticing too many mistakes and.

• 16:47Caleb Hammer?

  If that's true, then that's bad management on his part, for sure. Again, interpretation, I'm curious, but he said he offered you another position.

• 16:55Speaker 03

  Okay.

• 16:55Caleb Hammer?

  So if things are on the rocks, it doesn't sound like it.

• 16:57Speaker 03

  Back to that. So last week, he wanted me on his team. After he's yelling at me about making mistakes, he's like, I want you to join my team and be his assistant.

• 17:09Caleb Hammer?

  Assistant?

• 17:10Speaker 03

  Yeah. I would be working with his clients.

• 17:14Speaker 03

  One on one and

• 17:16Caleb Hammer?

  Same pay?

• 17:16Speaker 03

  Uh huh. And I would be building proposals, doing the thing that I'm already doing.

• 17:21Caleb Hammer?

  Well, you were talking, well, it's a small business. So a lot of people take up, uh, you know, you do multiple jobs. We do that here, this happens. Okay. That's normal. So what's the concern? You mentioned like an AI thing. What do you?

• 17:31Speaker 03

  Yes.

• 17:31Caleb Hammer?

  The concern?

• 17:31Speaker 03

  Yes. So I, you know, he wasn't going to offer me more pay. I was going to be doing a more intensive work than what I currently do. And I love my department. My supervisor is amazing. She's so, so, so supportive of me.

• 17:45Caleb Hammer?

  Okay, go on.

• 17:46Speaker 03

  So I told him, I was like, you know, thank you for the offer, but you know, I think I'm just going to stay in the department for the job that I was hired for.

• 17:53Caleb Hammer?

  Well, that's probably not good job security. I'll be honest.

• 17:57Speaker 03

  He goes, well, you know, once this AI program gets implemented, we're going to have to be cutting someone from your department, probably somebody who doesn't work a full 40 hours a week.

• 18:04Caleb Hammer?

  You work a full 40?

• 18:05Speaker 03

  I work 36, which is still legally full time in the state of Missouri.

• 18:08Caleb Hammer?

  He's at 40 though.

• 18:09Speaker 03

  I know. He was specifically singling me out. And so I literally said to his face.

• 18:14Caleb Hammer?

  So take the other job. Little bit of self preservation here, lady. No one's entitled to a job.

• 18:21Speaker 03

  I cannot. His, his assistant hates me.

• 18:25Caleb Hammer?

  Yes, but you might be temporarily taking this while searching for another job.

• 18:29Speaker 03

  I can search for another job.

• 18:32Caleb Hammer?

  Yeah, but I want you to collect an income while you're searching for the other job. What are you stupid? What are you talking about? You're trying to get 10,000 hour boobs.

• 18:38Speaker 03

  Yeah.

• 18:40Caleb Hammer?

  That's not even in the conversation. If you might be laid off and you're not willing to do any kind of self preservation whatsoever. What? What are you talking about?

• 18:48Speaker 03

  I'll make it work.

• 18:51Caleb Hammer?

  How does that work? Please, in detail. That sounds like a great plan.

• 18:55Speaker 03

  Caleb, I, I have been in so many different roles. I've done so many different things.

• 18:59Caleb Hammer?

  Girl, you're trying to shut the fuck up. Go on.

• 19:01Speaker 03

  Fully capable of

• 19:03Caleb Hammer?

  Of what?

• 19:04Speaker 03

  Finding something to make it work.

• 19:05Caleb Hammer?

  Well, as we've both confessed, this is the worst job market since the great recession.

• 19:09Speaker 03

  Yeah. And I get that, but if I needed to take on some shitty, like two part-time jobs, doing whatever.

• 19:15Caleb Hammer?

  Would they trust you?

• 19:17Speaker 03

  Would they trust me with what?

• 19:18Caleb Hammer?

  I don't know, other than Starbucks. You're a walking red flag, no offense.

• 19:23Speaker 03

  Dude, I've been in management position since I was 19.

• 19:26Caleb Hammer?

  Girl, you're making forty five thousand dollars a year, management.

• 19:29Speaker 03

  Yes, because. Because I changed career path.

• 19:32Caleb Hammer?

  That's not shitting on forty five thousand dollars a year, by the way, but it's just like you're not gonna be able to jerk yourself off with that.

• 19:36Speaker 03

  No, I finished my degree and I changed career path. Because I was tired of working in retail.

• 19:43Caleb Hammer?

  And also this AI thing, who even knows if that's true. AI is like, the actual analytics about job replacements aren't even a hundred percent great. It's just a shitty job market right now because tech over hired and money's expensive to borrow and it's like.

• 19:55Speaker 03

  Fear tactic thing.

• 19:57Caleb Hammer?

  It, it may have been. It may have been.

• 20:00Speaker 03

  And that's why I was like, well.

• 20:01Caleb Hammer?

  Which why not do any kind of self preservation? Take the other job and then apply for another job like it's your full time job.

• 20:08Speaker 03

  I mean, I could do that.

• 20:12Caleb Hammer?

  So you're not breaking up with your boyfriend? Because I was told specifically beforehand that you want to break up with your boyfriend.

• 20:17Speaker 03

  We have had issues.

• 20:22Caleb Hammer?

  Every relationship has issues.

• 20:24Speaker 03

  But it's like.

• 20:25Caleb Hammer?

  But literally, you guys live together. It's the only reason you can afford bills. Stagnant.

• 20:30Speaker 03

  Yeah, the relationship is just like, it's like we live two separate lives.

• 20:35Caleb Hammer?

  Okay, tell me.

• 20:36Speaker 03

  Like, I mean, I work a lot.

• 20:38Caleb Hammer?

  I'll probably bring him in the post show.

• 20:40Speaker 03

  He doesn't like the fact that I work a lot.

• 20:42Caleb Hammer?

  Okay, he needs to stop being a.

• 20:43Speaker 03

  When I get home at like, you know, seven thirty, eight PM, and then it's like, I need to eat, we'll watch a TV show together. And then I'm going to bed and he's like, we get no time together and everything. And I'm like.

• 20:56Caleb Hammer?

  I get some of that on the opposite side too, but she doesn't, it doesn't turn into a toxic thing. She just understands that I work my ass off.

• 21:05Speaker 03

  But then it's like, you know, he wants to complain that I'm working all the time and that like, I don't have any time for him, but when I am home, like on the weekends, like.

• 21:15Caleb Hammer?

  Well, how long has this been going on? If this is gonna be the big breakup.

• 21:18Speaker 03

  We've been together for almost three years.

• 21:19Caleb Hammer?

  So what the, so are you breaking up or not?

• 21:21Speaker 03

  We are working on it. We almost did.

• 21:23Caleb Hammer?

  I was told you want to break up.

• 21:24Speaker 03

  We almost did.

• 21:25Caleb Hammer?

  Okay. Where would you lean right now? On a metric of breaking up, 0% is not breaking up 100% and is 100% breaking up. Where are you on the scale?

• 21:35Speaker 03

  I'd say 50 because I want to give, I want to give it a chance because our relationship dynamic, the idea is like our relationship dynamic needs to change.

• 21:45Caleb Hammer?

  Well, you hit him out of the gate when you guys first started seeing each other that you wanted to be open. So you wanted to.

• 21:52Speaker 03

  Immediately.

• 21:52Caleb Hammer?

  Well, that's okay.

• 21:53Speaker 03

  I, well, I told him that like I want a polyamorous relationship.

• 21:56Caleb Hammer?

  Open is fun. It can be fun. Having sex is fun. But it has to 100% agreed by the other person, not agreed out of pressure, though.

• 22:06Speaker 03

  No, no, no, no.

• 22:06Caleb Hammer?

  They want to also be actively want to be open.

• 22:09Speaker 03

  I get this.

• 22:10Caleb Hammer?

  But he doesn't, as far as I at least know from the nose.

• 22:13Speaker 03

  Well, we, that's what I'm saying. We almost broke up recently.

• 22:16Caleb Hammer?

  The only way you can keep a roof over your head right now is with this guy, but you're trying to go take.

• 22:21Speaker 03

  No, I want a girlfriend, Caleb.

• 22:26Caleb Hammer?

  So you will only.

• 22:27Speaker 03

  Yeah.

• 22:28Caleb Hammer?

  Only strictly, you will never see a penis.

• 22:30Speaker 03

  I don't want an open relationship. I want a polyamorous relationship. I want us to have a girl. That's what I'm saying. We had a conversation about it. He said that he was willing to try it, that, you know, he would be okay with that, but he's never been in a polyamorous relationship. So I told him like,

• 22:47Caleb Hammer?

  Have you?

• 22:47Speaker 03

  Go to therapy. Yeah.

• 22:48Caleb Hammer?

  And?

• 22:48Speaker 03

  Yeah, and I loved it.

• 22:49Caleb Hammer?

  Well, you're not, so it probably wasn't perfect.

• 22:52Speaker 03

  I know, I'm not now because, well, she told me.

• 22:54Caleb Hammer?

  Sounds like it didn't work.

• 22:55Speaker 03

  Because she wanted to break up with him. They were together for four years before I joined into their relationship.

• 23:01Caleb Hammer?

  Why are you trying to fuck up this thing that is literally, I know it's not perfect, no relationship is perfect. But again, I want to preface this, the only reason you're able to survive right now is because you split bills with someone else.

• 23:13Caleb Hammer?

  Like, what are we doing? Like, you're about to fuck up in a massive time while also being on the chopping block of getting laid off, while also trying to drop $10,000 on making boobs perky while spending 2,000 more than you're making on a monthly basis. It's like none of this is stacking up.

• 23:28Speaker 03

  Happiness is important.

• 23:29Caleb Hammer?

  Happiness is important, but you're literally on the edge of losing everything. And trust me, you will be a lot less happy than you are right now on that other side.

• 23:36Speaker 03

  I'll figure it out.

• 23:37Caleb Hammer?

  No, that's, okay, tell me. I'll figure it out. Listen, this is, that's something I hear all the time. How about you give me some details? Because I'll figure it out itself is not a plan. So tell me the big grand plan.

• 23:48Speaker 03

  I have been in like every single industry. I can work any job.

• 23:52Caleb Hammer?

  Not about what you've done. Tell me what your plan is, you.

• 23:54Speaker 03

  Plan.

• 23:55Caleb Hammer?

  In this job market, the worst job market you've ever seen in your lifetime as an adult, for sure.

• 23:59Speaker 03

  Go back to doing full-time childcare. Easy. I have connections.

• 24:03Caleb Hammer?

  How much were you making doing that?

• 24:05Speaker 03

  I make thirty dollars an hour with the kids.

• 24:06Caleb Hammer?

  Why aren't you doing that? And stop saying the kids.

• 24:08Speaker 03

  Because I want an actual career. I love it. This is my passion. Like, like.

• 24:13Caleb Hammer?

  You literally told Lindsay earlier that you couldn't work in childcare full-time.

• 24:17Speaker 03

  No, I.

• 24:21Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Yrefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under six percent guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a co-center release program so your mom and dad can step off the hook. Yrefi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 25:06Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Yrefi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y dot com slash hammer, or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all. Starbucks is bull and a waste of money, and you already know that by making your coffee at home and investing the rest.

• 25:47Caleb Hammer?

  So now you need to do that with your energy drink as well. Make Gamer Subs at home for just forty cents a serving. Honestly, it literally tastes better, and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 26:03Speaker 05

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

• 26:09Caleb Hammer?

  Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below. Type in code CALEB. Because kids are in school.

• 26:23Speaker 03

  Oh, yeah, yeah, yeah, but that's what I'm saying. Like, I can't work with those families full-time because they have school.

• 26:33Caleb Hammer?

  I feel like you don't know what you do. Would you have a full-time job?

• 26:36Speaker 03

  What do you mean? I would probably just work with another family during the day. Like.

• 26:43Caleb Hammer?

  Okay, if you get it. Again, I feel like as things cut back in a recession, you know, it's not necessarily taking care of your kids cut back, but the more frivolous spending things. And sometimes having someone over can be considered frivolous spending. I'm not saying you wouldn't be able to find something, but your, your plan is that will 100% work? And it makes me scared.

• 27:07Speaker 03

  No, I'm just saying that that's an option of mine.

• 27:08Caleb Hammer?

  Okay, that's an option. What else is in your grand plan here?

• 27:11Speaker 03

  Um, I could have a roommate. If things don't work out with the boyfriend, I could always get a roommate. Because like, we just had an issue not too long ago. Like, he didn't pay me for his half of the utilities by the end of the month. He thought that it was okay for him to wait until the 3rd.

• 27:31Caleb Hammer?

  Is it?

• 27:31Speaker 03

  Whenever he gets paid. No!

• 27:33Caleb Hammer?

  Okay, what's agreed upon? What's been agreed upon?

• 27:36Speaker 03

  Agreed upon in the entirety of our relationship was that he would pay me for his half of the bills before the end of the month.

• 27:42Caleb Hammer?

  So why is he [__] it?

• 27:44Speaker 03

  It's happened so many times. And like this month, I was like.

• 27:47Caleb Hammer?

  And that got you close to breakup?

• 27:49Speaker 03

  That was like, one of the big reasons. Because I'm like, we have a financial responsibility together, right? That's what you're saying. So then why am I fronting everything? And then him just being like, oh, I can just pay whenever I want.

• 28:02Caleb Hammer?

  Well, I'm so confused. I'm getting so many just weird things. Okay. Stevie, who is you, wants an open relationship so he, as in him, can sleep with other people.

• 28:10Speaker 03

  So I.

• 28:12Caleb Hammer?

  This is such a mess.

• 28:13Speaker 03

  I have a medical problem. I get chronic ovarian cysts. So sex is very painful for me.

• 28:18Caleb Hammer?

  Well, stop.

• 28:19Speaker 03

  Oh my God, I wish I could.

• 28:21Caleb Hammer?

  Or taken in the ass. I don't know.

• 28:22Speaker 03

  Oh, no, no, no, no, no, no. Thank you.

• 28:25Caleb Hammer?

  We're open-minded here.

• 28:25Speaker 03

  I will pass.

• 28:28Speaker 04

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• 28:58Speaker 03

  That, you know what?

• 28:58Caleb Hammer?

  I was joking, keep going.

• 29:00Speaker 03

  Um, so.

• 29:00Caleb Hammer?

  Yeah, you get this in your, that sucks.

• 29:02Speaker 03

  I do, it hurts.

• 29:04Caleb Hammer?

  Yeah, that hurts.

• 29:04Speaker 03

  So.

• 29:05Caleb Hammer?

  Always?

• 29:05Speaker 03

  I, I feel them.

• 29:07Caleb Hammer?

  So you can't.

• 29:09Speaker 03

  I can, but it like, it has to be, it's like, it's like doing surgery. You know, you have to be like very methodical and like very planned out. It's got to be like a whole thing in order.

• 29:20Caleb Hammer?

  So you want him to go fuck some people?

• 29:22Speaker 03

  Yeah.

• 29:24Caleb Hammer?

  Does he?

• 29:25Speaker 03

  I mean, he's, he's a man. He gets horny and sometimes I'm like, I physically cannot. So.

• 29:32Caleb Hammer?

  So he does?

• 29:33Speaker 03

  I honestly don't think that he wants to go fuck other people, but I want him to be able.

• 29:39Caleb Hammer?

  He's such a mess.

• 29:40Speaker 03

  Welcome to my life.

• 29:42Caleb Hammer?

  Yeah, what are you doing about it? You're about to get laid off and you aren't accepting that job change? You're doing nothing. I'll get you a course career certification to help boost your skills. So hopefully you can get a different job.

• 29:53Speaker 03

  Yeah.

• 29:53Caleb Hammer?

  A little easier. I'll get you that for free.

• 29:55Speaker 03

  I want to get an MBA.

• 29:56Caleb Hammer?

  Huh?

• 29:56Speaker 03

  I want to get my MBA.

• 29:57Caleb Hammer?

  Okay. How are you paying for school and taking the income?

• 30:00Speaker 03

  That's what I'm saying, that's why I'm not doing it yet.

• 30:01Caleb Hammer?

  Well, apparently you're saying a lot, but you're, you're doing nothing. You're literally putting yourself on that edge again in your relationship, in this job.

• 30:09Speaker 03

  Yeah.

• 30:09Caleb Hammer?

  So what the fuck are we doing here? Not just because grandma will take care of us. That's horrible. How old's grandma?

• 30:13Speaker 03

  Sixty-eight.

• 30:15Caleb Hammer?

  I hope she's healthy.

• 30:16Speaker 03

  She is.

• 30:18Caleb Hammer?

  Good, but you won't be able to rely on her forever.

• 30:20Speaker 03

  No, I'm not trying to rely on her. I'm just like, like she's.

• 30:25Caleb Hammer?

  Oh, you're bringing it up now and all this shit because you found a girl on a queer local Facebook page?

• 30:29Speaker 03

  No, no, no, she's my best friend. She, she's talked about how like she wants to date me.

• 30:33Caleb Hammer?

  You wanna bring her in?

• 30:35Speaker 03

  But no, no, no, no. Her and her partner.

• 30:37Caleb Hammer?

  You're gonna fuck this up with this guy?

• 30:39Speaker 03

  No. Her and her partner are in an open relationship. That's not what I'm wanting. But I would like to date her, but that's not like that. Okay.

• 30:50Caleb Hammer?

  Probably hot, perky tits, I guess, if that's what you're into.

• 30:53Speaker 03

  Well, it's, she's probably not gonna be your type, but I think she's cute. I don't know.

• 30:59Caleb Hammer?

  Well, then how can you say?

• 31:00Speaker 03

  You make fun of me for having yellow hair, so I'm like, people like me probably are.

• 31:03Caleb Hammer?

  I've, I've never seen that color before.

• 31:06Speaker 03

  Oh, okay, mom. Does it look good?

• 31:08Caleb Hammer?

  Huh?

• 31:09Speaker 03

  Does it look good?

• 31:13Speaker 03

  You're thinking awfully hard about that and I don't.

• 31:15Caleb Hammer?

  No, I've already made my conclusion. I'm just staying quiet. It's just, you know, it's, it's not, my hair doesn't look good today either. That's okay. We can, we can both be struggling together.

• 31:25Speaker 03

  So this was us at the MCR concert, so it's not like a gray representation of what she looks like.

• 31:30Caleb Hammer?

  Can I see a normal picture by chance? Cause that's scary.

• 31:34Speaker 03

  We went, um.

• 31:35Caleb Hammer?

  It was emo scary.

• 31:36Speaker 03

  Hey, we went dumpster diving and we found, um, these like two fully put together mannequins. It was super funny. Actually, let me just look at my Instagram.

• 31:47Caleb Hammer?

  Maybe stay in St. Louis.

• 31:50Caleb Hammer?

  We don't need to unleash you on the rest of the world.

• 31:52Speaker 03

  Are you sure?

• 31:55Speaker 03

  Okay, I.

• 31:57Caleb Hammer?

  Which one is she?

• 31:58Speaker 03

  Obviously not the one with yellow hair. Or I guess I didn't have yellow hair at that time.

• 32:02Caleb Hammer?

  Yeah. Yeah, you looked a lot more normal.

• 32:06Speaker 03

  I, yeah, I did go normal for a while, but I didn't feel like myself.

• 32:09Caleb Hammer?

  This is a wood. This is a run and hide.

• 32:12Speaker 03

  Here, I'll show you what my hair did look like whenever.

• 32:15Caleb Hammer?

  No, that's okay. I don't need that. Okay.

• 32:18Caleb Hammer?

  That's you?

• 32:19Speaker 03

  That's me.

• 32:19Caleb Hammer?

  And that's a run and hide as well. See, the last picture is a wood. That is a run and hide. Just saying. I'm gonna be candid.

• 32:26Speaker 03

  Teach their own.

• 32:27Caleb Hammer?

  Well, you literally put on clown makeup in that photo. So yes, I'm running and hiding. Whereas in the previous picture, you were attractive. Okay.

• 32:35Speaker 03

  Okay.

• 32:36Caleb Hammer?

  Before we get into these finances, again, your plan, this grand plan, I need to just hear where your mind is at. Grand plan. So you said you can get in childcare. Maybe you can, maybe you can't. It's hard to just rely on one thing. What else? Grand plan.

• 32:49Speaker 03

  I mean, I used to be a sugar baby.

• 32:52Caleb Hammer?

  To who? To what? What did that look like?

• 32:56Speaker 03

  It was great.

• 32:58Caleb Hammer?

  What did that look like? That's not an answer.

• 33:00Speaker 03

  So it, so I met him on a website and

• 33:03Caleb Hammer?

  It was a man.

• 33:04Speaker 03

  Yeah. And he came to visit me. This was when I was in college. We like, we actually had like a really good relationship. Like, we had a lot in common.

• 33:14Caleb Hammer?

  How old are you?

• 33:15Speaker 03

  I was twenty

• 33:19Speaker 03

  two.

• 33:19Caleb Hammer?

  How old is he?

• 33:21Speaker 03

  He was my mom's age. So I think he was like forty.

• 33:25Caleb Hammer?

  Okay, were you hot?

• 33:26Speaker 03

  Was I hot?

• 33:27Caleb Hammer?

  Yeah.

• 33:28Speaker 03

  Yeah.

• 33:29Caleb Hammer?

  Okay.

• 33:30Speaker 03

  When have I not been?

• 33:31Caleb Hammer?

  Yellow hair.

• 33:34Caleb Hammer?

  Go on. Yes. To incorporate this back into the grand strategy, what did you make? How did it work?

• 33:41Speaker 03

  I mean, it like, it kind of varied. Um, so like, I got, I got paid like an allowance every time he came to visit me and he came to visit me every weekend.

• 33:50Caleb Hammer?

  And he would [BLEEP] you.

• 33:51Speaker 03

  Yeah.

• 33:52Caleb Hammer?

  Okay, so kind of like prostitute. Okay, keep going.

• 33:54Speaker 03

  No. It was like a relationship that

• 33:57Caleb Hammer?

  That you got an allowance?

• 33:58Speaker 03

  It was a relationship that had a financial advantage.

• 34:02Caleb Hammer?

  Yeah.

• 34:03Speaker 03

  I would like to put it.

• 34:05Caleb Hammer?

  That's how you would like to put it?

• 34:07Speaker 03

  We like texted all the time and like talked all the time about just like

• 34:10Caleb Hammer?

  Advanced prostitute. Continue.

• 34:12Speaker 03

  Anyway, um, and he would like, take me places. We would go to like Cardinals games. We would, um, just like go travel a little bit. And, well, also

• 34:24Caleb Hammer?

  How much were you making?

• 34:25Speaker 03

  Ah, I don't know. This was so long ago, Caleb. I would say probably like

• 34:30Caleb Hammer?

  Well, if this is part of the grand plan, if we get

• 34:32Speaker 03

  Okay, not

• 34:33Caleb Hammer?

  So what are we making? What were we making?

• 34:35Speaker 03

  It wasn't, I mean, it was probably pretty on par with what I'm making.

• 34:39Caleb Hammer?

  That's insanity. Okay.

• 34:40Speaker 03

  Grand.

• 34:41Caleb Hammer?

  And it was just one guy?

• 34:42Speaker 03

  Yeah. Consistently. And then I kind of had like A manic episode, um, and and so I ended things with him. And then I have, I had a few more moments, um, where like one guy I met who lived in Alaska and I like flew to Alaska and we were gonna like get married to strangers. And then I met the guy and I was like, absolutely not. But I did have a four day vacation in Alaska.

• 35:08Caleb Hammer?

  And he paid you?

• 35:09Speaker 03

  Yeah.

• 35:10Caleb Hammer?

  And he

• 35:11Speaker 03

  No, no, no, no, no.

• 35:12Caleb Hammer?

  He did not

• 35:13Speaker 03

  Did not let him.

• 35:13Caleb Hammer?

  He paid you and he didn't even get the

• 35:15Speaker 03

  No.

• 35:17Caleb Hammer?

  That's abuse. Okay.

• 35:18Speaker 03

  He was just not

• 35:19Caleb Hammer?

  So I don't want you to have to get back into prostitute plus is the advanced product.

• 35:25Speaker 03

  Okay.

• 35:25Caleb Hammer?

  Uh, or prime prostitute prime. We, we don't, I don't want you to get into prostitution elite once more.

• 35:31Speaker 03

  No. I mean, I

• 35:33Caleb Hammer?

  But grand plan, this is You did OF?

• 35:37Speaker 03

  Yeah.

• 35:38Caleb Hammer?

  Do you do OF?

• 35:39Speaker 03

  No, I quit whenever I got with boyfriend because he didn't like it.

• 35:44Caleb Hammer?

  But you're, but you would, but you wouldn't be breaking up if you got laid off. Except you guys are on the verge of breaking off now, but he would allow you to

• 35:51Speaker 03

  I tried to convince him to do it with me, but he said he wouldn't do it with me.

• 35:53Caleb Hammer?

  But he would let you do OF?

• 35:55Speaker 03

  Okay, first of all, nobody lets me do anything.

• 35:58Caleb Hammer?

  Well, potentially in a relationship is usually compromises and kinda what we like the other person doing and not doing. So yes, there is a part of let.

• 36:07Speaker 03

  There's a part of acceptance.

• 36:09Caleb Hammer?

  Or not.

• 36:10Speaker 03

  Okay, yeah.

• 36:12Caleb Hammer?

  Okay, would he accept?

• 36:15Speaker 03

  I don't know. We'd have to talk about it more.

• 36:17Caleb Hammer?

  What were you making on OF?

• 36:19Speaker 03

  Oh gee, that was such a fever dream. Cause I was still like unmedicated at that time. So it, it would like, it would be random because like sometimes I would make a lot because I would, I'd like actually put effort into it.

• 36:34Caleb Hammer?

  What kind of content were you making?

• 36:36Speaker 03

  Huh?

• 36:37Caleb Hammer?

  What content?

• 36:38Speaker 03

  So it was just solo, um, but I was super fun with it. So I would like choose a song and it's like, I would make like a music video out of it. I spent so many hours editing my videos. I actually loved doing it, but, um, yeah, I, I stopped. What do you?

• 36:55Speaker 03

  Are you talking about me?

• 36:56Caleb Hammer?

  Yes.

• 36:58Caleb Hammer?

  Okay, so jumping back into that would be brutal.

• 37:01Speaker 03

  Yeah.

• 37:02Caleb Hammer?

  I don't want you to jump into prostitute light, which is that or prostitute advanced, which is the other one.

• 37:06Speaker 03

  I mean, yes.

• 37:07Caleb Hammer?

  Taking dick for money or having people fat to you for money. That's not, see, this is what I don't like. I don't like that. The alternative for a young woman is just like, if things get bad, I would just literally make money off of my body, off my tits, my saggy tits.

• 37:20Speaker 03

  I could.

• 37:23Caleb Hammer?

  I know. Well, I'm asking your grand plan. You're bringing it up, dude. You have tits.

• 37:28Speaker 03

  Well, I have two of them. I could put them to use.

• 37:33Caleb Hammer?

  It's not active anymore, right? You deleted the account.

• 37:36Speaker 03

  No, yeah, I deleted them.

• 37:38Caleb Hammer?

  Okay, so it's even harder to get back into.

• 37:40Speaker 03

  I know, I know.

• 37:42Caleb Hammer?

  But I'm also glad you deleted it. You should.

• 37:44Speaker 03

  Go because I was like, that was like such an era of my life because like.

• 37:50Caleb Hammer?

  Just don't use it.

• 37:50Speaker 03

  I compromised so much in the beginning of our relationship and.

• 37:53Caleb Hammer?

  Yeah, and now you're regretting it and you want to break up with him.

• 37:55Speaker 03

  Yeah, that's why I'm at the point where I'm like, okay, hold up. I, I let go so much of myself. So we need to like reel it back in. Let me be me.

• 38:04Caleb Hammer?

  Does he like you?

• 38:06Speaker 03

  Yeah.

• 38:08Caleb Hammer?

  You, you that you're reeling back in?

• 38:12Speaker 03

  I mean, I don't, we haven't really talked, we just, Caleb, we just started our therapy journey again. We're figuring it out. My new therapist like specializes in polyamory. So like, we're gonna have a lot of homework to work on together.

• 38:24Caleb Hammer?

  Oh, for sake, you guys are good luck. I'll give it one more quarter. Good luck. Absolutely. Good luck. Okay. Well, I don't like those backup plans to be very clear. The childcare one, maybe that's the best. I don't necessarily like that. One of the three plans is childcare and the person that's talking about childcare, the other two plans are prostitution elite and prostitute light. But I guess that's where we are in 2026. So.

• 38:54Speaker 03

  I can't be hot and sexy and at the same time like.

• 39:00Caleb Hammer?

  Yes. And how do parents feel about that, though?

• 39:02Speaker 03

  I don't show that side of me when I am doing childcare.

• 39:08Speaker 03

  Okay, and then however they wanna approach it, we can go from there.

• 39:13Caleb Hammer?

  Alright, let's jump into these finances.

• 39:15Speaker 03

  I'm an adult, I'm capable of having adult conversations.

• 39:17Caleb Hammer?

  You're an adult, but you're not entitled to money.

• 39:19Speaker 03

  No!

• 39:19Caleb Hammer?

  You're not entitled to a job, you're not entitled to people thinking that you-

• 39:24Speaker 03

  But I am capable-

• 39:24Caleb Hammer?

  Taking for money, which by the way, I don't even know how you do that for money if it's that painful. You did! You literally did!

• 39:31Speaker 03

  Okay, well, I didn't have ovarian cysts at that time, that didn't happen until recently.

• 39:35Caleb Hammer?

  You know, so, glucky glucky, glucky glucky.

• 39:41Speaker 03

  It works.

• 39:42Caleb Hammer?

  It works, but I'm not advocating for that. I don't necessarily want that to be how to keep a roof over your head. I hate that, that's how, where we've come to. It really sucks.

• 39:51Speaker 03

  Yeah, I mean, same, but you know, you gotta do what you gotta do, Caleb.

• 39:55Caleb Hammer?

  No, that is not it, because I literally laid out the alternative. You dumb [bleep]. And I guess I can say this correctly in this context, whore!

• 40:07Caleb Hammer?

  You whore!

• 40:09Speaker 03

  Used to be.

• 40:10Caleb Hammer?

  I've never called someone a whore.

• 40:11Speaker 03

  Used to be.

• 40:11Caleb Hammer?

  But I love it, you whore!

• 40:14Caleb Hammer?

  Alright, it's just like, I gave you the alternative. The alternative is obviously accept this job change so you don't get laid off tomorrow, and when you accept it, get skilled up, update your skills again with the certification I give you, plus going and applying for other jobs like it's a full-time job. That's what you do, so you don't get laid off and all of a sudden we don't know how to deal with money without grandmother, okay?

• 40:37Caleb Hammer?

  That is the alternative, that's the adult response without going into prostitution.

• 40:41Speaker 03

  I'll think about it. I think it's too late. I don't think that if I went back to him-

• 40:44Caleb Hammer?

  Wait, when was this offer?

• 40:46Speaker 03

  It was last week today that I turned it down.

• 40:49Caleb Hammer?

  Oh, you're such a child. 28, what is wrong with you? What is wrong with you?

• 40:55Speaker 03

  It's not like I-

• 40:56Caleb Hammer?

  You're a baby.

• 40:57Speaker 03

  Spent that much on gas.

• 40:57Caleb Hammer?

  You're a [bleep] baby. Sure, so then extra wise grandma paying for it, baby?

• 41:04Caleb Hammer?

  What is wrong with you?

• 41:06Speaker 03

  A lot. I mean, we could go there a few.

• 41:08Caleb Hammer?

  Yeah, no shit. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best?

• 41:14Speaker 03

  Okay, so I took the score.

• 41:17Caleb Hammer?

  Proud of you, Calebhammer.com.

• 41:20Speaker 03

  And it was a 2.17.

• 41:23Caleb Hammer?

  Which rounds 2 or 3?

• 41:24Speaker 03

  I rounds 2 or 3?

• 41:26Caleb Hammer?

  Yeah, and like the overall score, yeah.

• 41:28Speaker 03

  Oh, okay. Um, I, I think I'm gonna give myself just a 2, though.

• 41:33Caleb Hammer?

  Okay.

• 41:33Speaker 03

  We'll go there.

• 41:34Caleb Hammer?

  If you want your financial score like she did, take the assessment for free at Calebhammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing great, what you need to do to improve yourself. Calebhammer.com, just takes a few minutes and it is free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. Has tens of thousands of active users for a reason. People are changed their lives. You can too. With features added every single month, it is incredible. Dollarwise.app, take the free trial. And if you like it, stick around. You can sign up for the annual version, like most people do, to save a lot of money. And then, for about only a month left only, I will personally sign my budget-friendly cookbook and mail it directly to you. That is gone at the end of February.

• 42:12Speaker 03

  They.

• 42:13Caleb Hammer?

  Huh?

• 42:14Speaker 03

  You said she. It's they.

• 42:17Caleb Hammer?

  Whore? Okay, so.

• 42:20Speaker 03

  Potato, potato.

• 42:21Caleb Hammer?

  I'm a whore. Absolutely.

• 42:25Speaker 03

  There's nothing wrong with it.

• 42:26Caleb Hammer?

  We love whores.

• 42:27Speaker 03

  Yes.

• 42:28Caleb Hammer?

  Big fan of whores, including.

• 42:30Speaker 03

  Very supportive.

• 42:32Caleb Hammer?

  We love it. Okay, what's this first thing? What am I looking at?

• 42:34Speaker 03

  That is my Klarna.

• 42:36Caleb Hammer?

  Of course it is. What the is going on with this?

• 42:40Speaker 03

  It's a great.

• 42:41Caleb Hammer?

  Well, Bliss Aesthetics for $1,000.

• 42:44Speaker 03

  So.

• 42:45Caleb Hammer?

  What the are you doing?

• 42:46Speaker 03

  That is actually my deposit for my boob job.

• 42:51Caleb Hammer?

  So it's already happening?

• 42:57Speaker 03

  So technically, like if you take that portion off, it's only 8,500 because that's already been paid.

• 43:05Caleb Hammer?

  Again, they don't seem that bad.

• 43:09Speaker 03

  I mean, like, I could, I could show you. Like, do you want to see them?

• 43:14Caleb Hammer?

  I could do a tit audit. Do you consent?

• 43:16Speaker 03

  Yeah, yeah.

• 43:17Caleb Hammer?

  Okay, I'll, I'll look at a picture. I'll look at a picture, but not here in the studio. We don't want them out in the studio.

• 43:20Speaker 03

  Okay, okay, deal.

• 43:22Caleb Hammer?

  I legit would not do it.

• 43:26Caleb Hammer?

  Don't do it.

• 43:26Speaker 03

  Why? I just want them to-

• 43:30Caleb Hammer?

  Because it's very expensive and they're very nice.

• 43:34Speaker 03

  I just want them to, I feel like, I don't know.

• 43:38Caleb Hammer?

  It's a feeling thing?

• 43:39Speaker 03

  I want them to feel nice.

• 43:40Caleb Hammer?

  No, but you just strictly can't afford this and that's not a medical necessity. You didn't have boob cancer, correct?

• 43:45Speaker 03

  No.

• 43:46Caleb Hammer?

  Okay, like, and that's like, this is purely cosmetic.

• 43:48Speaker 03

  Yeah.

• 43:49Caleb Hammer?

  And I want you to be able to do more cosmetic things in the future if you want to. But right now, we're literally worried about keeping your job and keeping a roof over your head. And, yeah, that was a funny idea, all that and stuff. Yeah, yeah, yeah. Okay, great.

• 44:01Speaker 03

  I literally already paid my deposit.

• 44:03Caleb Hammer?

  Yeah, a thousand. You have nine left. Here's the thing. Those, just saw them. And I honestly thought I was just gonna support it instinctively. But that was, they're actually very nice.

• 44:16Speaker 03

  Well, I appreciate that you like them, but-

• 44:18Caleb Hammer?

  No, no, it's not even about that. It is literally math. Like, for that, this is pure cosmetic. And I know it's just for you, it's not for others, and I can respect that and support that. You do not need this right now. There's not like something wrong there.

• 44:30Speaker 03

  That deposit only lasts for eight months. So that means like, in the future, whenever I like, if I have to, if I have to wait to do it, I lose that deposit and then I have to pay it all over again.

• 44:43Caleb Hammer?

  But you're spending thousands more than you make on a monthly basis. How much debt do you have? What's your debt number?

• 44:48Speaker 03

  Um, I think it's like eighty?

• 44:51Caleb Hammer?

  Seventy-four thousand, four hundred and twenty-three dollars, eighty-three cents. That doesn't mean it's good, though.

• 44:55Speaker 03

  Okay.

• 44:55Caleb Hammer?

  You could have said a hundred. That doesn't mean seventy-three is good. Listen, if you are going

• 45:01Caleb Hammer?

  and dropping an extra nine that you do not have, which means there's gonna be more debt, you're rounding this up to now eighty-five. We're getting closer and closer to six figures of debt with nothing to show for it.

• 45:10Speaker 03

  No.

• 45:11Caleb Hammer?

  Yes?

• 45:11Speaker 03

  No.

• 45:12Caleb Hammer?

  Yes?

• 45:12Speaker 03

  Because-

• 45:13Caleb Hammer?

  What do you mean?

• 45:13Speaker 03

  I, I'm gonna use one of my credit cards.

• 45:18Speaker 03

  I'm gonna pay down.

• 45:19Caleb Hammer?

  Well, how? How? When? You spend more than you make? How? Hey, if you get, if you get laid off? How? If you get laid off, how?

• 45:29Speaker 03

  I have money that is going to be coming in from my last house that I rented, so.

• 45:40Caleb Hammer?

  What?

• 45:41Speaker 03

  So I like rented this place and it was kinda like a rent to own situation where like fifty dollars of your rent every month goes into like the savings bank? And then at the end of your lease, you like get that back.

• 45:53Caleb Hammer?

  Never even heard of that. I've heard of rent to own, but I've never even heard of whatever.

• 45:57Speaker 03

  It was a really weird program.

• 45:58Caleb Hammer?

  Rent to save.

• 45:59Speaker 03

  No, no, yeah, it was. Well, the thing is, at the end of your lease, that money that you have in savings could go directly to your

• 46:07Caleb Hammer?

  Down payment?

• 46:08Speaker 03

  Yeah, your down payment on the house.

• 46:09Caleb Hammer?

  Okay, so how much?

• 46:11Speaker 03

  Like forty five hundred.

• 46:13Caleb Hammer?

  I mean, forty five hundred is a lot of money to anyone, to be clear. But one, that pays for half of what you still owe on something you can't afford. Two, forty five hundred to your debt still only brings down your bad debt to fifty thousand dollars. So this math is not working. If you were about to say fifty thousand dollars, I'd be like, oh shit, we got something to play with here.

• 46:32Speaker 03

  Yeah, no, not that much.

• 46:33Caleb Hammer?

  And trust me, there's a lot to play with there. I learned. But it's the, the, the fact is, it just, it doesn't make any mathematical sense.

• 46:43Speaker 03

  But it makes like.

• 46:44Caleb Hammer?

  It makes one sense. This is essentially going and getting some McDonald's fries of the tit world. You don't need this. This isn't getting your boobs done after you had to have surgery to get cancer removed. This isn't, they are so saggy that your literal entire body is collapsing.

• 47:01Speaker 03

  But they are saggy.

• 47:03Caleb Hammer?

  Kind of.

• 47:04Speaker 03

  Okay, thank you. You agree.

• 47:07Caleb Hammer?

  I mean, I'm just, I'm agreeing just because you're saying it. If, if, if that was, if, if in a different world, we were doing stuff and all of a sudden I just came across those, saggy is not the word I would have thought of in any way whatsoever. That's kinda fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account.

• 47:52Caleb Hammer?

  Wanna know a dirty little secret? And now, I'm not starting an only [BLEEP]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get it to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 48:30Speaker 03

  Well.

• 48:31Caleb Hammer?

  They're just substantial and gravity exists.

• 48:34Speaker 03

  Yeah, but I feel them every day, so.

• 48:38Caleb Hammer?

  Yeah, they're huge.

• 48:39Speaker 03

  Yeah.

• 48:41Speaker 04

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• 49:10Caleb Hammer?

  You're getting reduction?

• 49:11Speaker 03

  No.

• 49:12Caleb Hammer?

  See, like, isn't gravity just gonna... Lindsay, can you educate me? Is gravity not just gonna work its magic again in a few years?

• 49:18Speaker 06

  I mean, but you're getting a lift and then an implant.

• 49:21Speaker 03

  Uh huh.

• 49:21Caleb Hammer?

  A lift and an implant?

• 49:22Speaker 03

  Just a tiny little implant to like round it out, so they look...

• 49:25Speaker 06

  But so the lift? The lift will

• 49:29Caleb Hammer?

  Yeah.

• 49:29Speaker 06

  And then the implant will

• 49:31Caleb Hammer?

  Help hold.

• 49:33Speaker 06

  I mean, I'm not a plastic surgeon, but I understand.

• 49:35Speaker 03

  Well, they do this like mesh bra too. That was an option, but it was like an extra like $2,000. So I did not plan for that. But they do this like internal mesh bra where it's like.

• 49:45Caleb Hammer?

  You're not even trying to get back into OF. You don't, I know. It's just for you. I'm trying to respect that. It just doesn't make sense. You can do this in a year. You can do this when you pay off debt and have an emergency fund. This is not an emergency. It's not. It's not. Your aesthetic, listen, you're sorry, your down payment on the aesthetics thing is literally done on Klarna.

• 50:05Speaker 03

  Yeah.

• 50:06Caleb Hammer?

  Klarna.

• 50:08Speaker 03

  I did.

• 50:09Caleb Hammer?

  You didn't even pay for it. You put it on Klarna.

• 50:11Speaker 03

  I did not use.

• 50:12Caleb Hammer?

  Pull up your Klarna for me.

• 50:15Caleb Hammer?

  I guess you're supposed to go to Florida for the boob job.

• 50:17Speaker 03

  Yeah, we're doing a family vacation.

• 50:20Caleb Hammer?

  Yeah, in January.

• 50:22Speaker 03

  Yeah.

• 50:22Caleb Hammer?

  Your boyfriend's family freaked out and wasn't comfortable with it.

• 50:24Speaker 03

  Yeah. So I canceled it. And then, um, I don't know necessarily if I'm going on the family vacation anymore because I kind of feel uncomfortable.

• 50:37Caleb Hammer?

  What part did they not support?

• 50:39Speaker 03

  So his dad was just basically saying that he didn't feel comfortable about the fact that I was recovering like the last few days of our vacation.

• 50:46Caleb Hammer?

  Well, yeah, they kind of fucked up the vacation for our family, is it not?

• 50:49Speaker 03

  I had the first five full days with them.

• 50:52Caleb Hammer?

  Up the ending of the vacation. I don't think that's unfair.

• 50:55Speaker 03

  I don't have to be involved in everything.

• 50:58Caleb Hammer?

  Yeah, but your boyfriend's gonna want to say support. They're gonna feel bad. Come on. It puts a weird dynamic on the vacation.

• 51:03Speaker 03

  He didn't like the fact that I was flying after.

• 51:09Caleb Hammer?

  Who did it?

• 51:09Speaker 03

  Immediately after.

• 51:10Caleb Hammer?

  Okay.

• 51:11Speaker 03

  Which like is fine, but I'm like, okay, well, but the thing is I scheduled the surgery around that.

• 51:17Caleb Hammer?

  When your boyfriend comes into the post show, how is he gonna feel that I've seen your titties?

• 51:22Speaker 03

  That's a great question, Caleb.

• 51:24Caleb Hammer?

  I hope we fight.

• 51:27Caleb Hammer?

  Okay. So Bliss Aesthetics $1,000 Sheen USA, Sheen USA.

• 51:34Speaker 03

  Okay.

• 51:34Caleb Hammer?

  Wayfair, Victoria's Secret.

• 51:36Speaker 03

  Okay.

• 51:37Caleb Hammer?

  Now I understand.

• 51:38Speaker 03

  Let me justify. The sheen was I went to the My Chemical Romance concert in Chicago. And I had a very specific outfit idea in mind. And so I ordered it from there. And then anything that like I didn't like or didn't work, I did mail back. So I did return it.

• 51:57Caleb Hammer?

  Okay. Yeah. I mean, the Victoria's Secret, I see a refa, but even still.

• 52:00Speaker 03

  Yeah.

• 52:00Caleb Hammer?

  What are you? Okay. So on Klarna, what is this? What is this owed? I'm going to say it's like a thousand 500.

• 52:05Speaker 03

  Okay.

• 52:05Caleb Hammer?

  And your monthly is probably like 250.

• 52:07Speaker 03

  Yeah.

• 52:07Caleb Hammer?

  My gosh. You know, Klarna has like the worst interest rates there are.

• 52:11Speaker 03

  I don't use the interest.

• 52:12Caleb Hammer?

  I hope not unless you get laid off and you can't make a payment, you dumb.

• 52:16Speaker 03

  No, I'll, I'll always find a way to make a payment.

• 52:18Caleb Hammer?

  Gosh, we've, we've got to bring the word whore back. What a good word. I love it.

• 52:23Speaker 03

  It is a good word.

• 52:24Caleb Hammer?

  Yeah.

• 52:24Speaker 03

  Yeah.

• 52:26Caleb Hammer?

  What are you getting on Wayfair? Wayfair?

• 52:28Speaker 03

  I needed a nightstand. We had to like emergency move into our new house because our house got.

• 52:34Caleb Hammer?

  So what? You needed a nightstand right there?

• 52:36Speaker 03

  Because I didn't have one.

• 52:37Caleb Hammer?

  So?

• 52:38Speaker 03

  So I needed one.

• 52:39Caleb Hammer?

  No.

• 52:40Speaker 03

  Yeah.

• 52:40Caleb Hammer?

  No, Wayfair is great as like a platform and products.

• 52:44Speaker 03

  I just.

• 52:45Caleb Hammer?

  You did not need a nightstand.

• 52:46Speaker 03

  One nightstand, Caleb.

• 52:48Caleb Hammer?

  No. Also Facebook Marketplace, I guarantee you could get one.

• 52:52Speaker 03

  Yeah, but the one that I got.

• 52:53Caleb Hammer?

  And also if you were moving to a new house, did you not already have a nightstand?

• 52:57Speaker 03

  No.

• 52:58Caleb Hammer?

  Well, then why'd you need a nightstand?

• 53:01Speaker 03

  Because I didn't have one.

• 53:02Caleb Hammer?

  At your old place. You didn't. So you didn't need one?

• 53:05Speaker 03

  Yes, I did.

• 53:05Caleb Hammer?

  Cause you were surviving without one.

• 53:06Speaker 03

  I used this like old ass.

• 53:08Caleb Hammer?

  Good. Use that again. Use it again. Well done.

• 53:10Speaker 03

  And I trash shit. Because it didn't, it didn't, it, it doesn't work. It didn't match the vibe. I needed.

• 53:17Caleb Hammer?

  What are you doing to your tables?

• 53:19Speaker 03

  It was old. That thing was from like, that thing was like 10 years ago and it was from Wayfair. And this was like whenever I was an alcoholic and so, so much had gotten spilled on it. Yeah.

• 53:29Caleb Hammer?

  New lore drop.

• 53:30Speaker 03

  I, yeah, I went to rehab and I've been sober for over three years, but.

• 53:35Caleb Hammer?

  Congratulations. That's good.

• 53:36Speaker 03

  Part of why my debt built up is because I was a raging alcoholic for 10 years and.

• 53:41Caleb Hammer?

  Yeah, but that's not why it hasn't been paid off in three years though. So I can have sympathy for the star, but.

• 53:46Speaker 03

  Well, because I'm still paying for rehab.

• 53:48Caleb Hammer?

  What? Rehab was financed?

• 53:50Speaker 03

  Well, no, no, no, my insurance didn't cover everything, though.

• 53:53Caleb Hammer?

  How much you owe to rehab? That's not this next credit card with hundreds in spending. So, no, we'll talk about that in a bit. But US Bank balance $8,462.53. That is not rehab three years ago. Your literal advances of $500 and your purchases of $373.20 are not rehab. Hey, how long does this take to pay off minimum payments only without doing any purchases? Of which you are incapable of, by the way.

• 54:18Speaker 03

  I think it was 14 years.

• 54:19Caleb Hammer?

  Yeah, it takes 14 years. $276 is your minimum monthly payment.

• 54:27Caleb Hammer?

  Which, when you get laid off, good the fuck luck. Because it sounds like you said you can't backtrack. So it sounds like you're not gonna have it. When are they implementing this AI thing?

• 54:34Speaker 03

  Um, he said that he was hoping to have it, like, in place by the end of January. So that means, like, tomorrow, whenever I get home, like, I'm putting in a bunch of job applications.

• 54:45Caleb Hammer?

  Yeah, but that's just the start. You gotta curious your resume to all of them? It's not just mass applying. You gotta be hyper smart. And this is not a good job market. Like you said, you needed to set yourself up for success.

• 54:53Speaker 03

  Mm-hmm. I do have really good references, though.

• 54:56Caleb Hammer?

  Uh, okay. I mean, that could be a play if your resume makes it through the, you know, the AI screening. Like, reference is gonna be one of the... That's not gonna be a make or break for a bit. I don't know. Not a kid trying to get a first job. You're not also trying to do, like, this massive advanced thing. You're at this very, very below mid-level. Interest hundreds charging. Okay, let's see what's going on. It's all bullshit. First of all, monthly carbon offset?

• 55:21Speaker 03

  Okay. That was...

• 55:25Caleb Hammer?

  Are you...

• 55:25Speaker 03

  Whenever I was in one of my environmental classes in college.

• 55:31Caleb Hammer?

  When was that?

• 55:32Speaker 03

  Oh, God, I think this was like...

• 55:34Caleb Hammer?

  Dude, you're putting it on a credit card that you can't pay off that is accruing interest.

• 55:37Speaker 03

  I think this was like 20...

• 55:38Caleb Hammer?

  This isn't... You're just free money.

• 55:40Speaker 03

  19 or something?

• 55:40Caleb Hammer?

  This is the bank's money.

• 55:42Speaker 03

  So every single month, that $5 comes out of my account. I have no clue what website it was.

• 55:47Caleb Hammer?

  So you were an alcoholic in college, taking for money?

• 55:51Speaker 03

  Yeah.

• 55:52Caleb Hammer?

  What the... Oh, my gosh, well, doing OF. What a journey.

• 55:56Speaker 03

  I worked like three different jobs at the same time. I don't know how!

• 55:59Caleb Hammer?

  Well, just tell your credit card not to charge that anymore. Challenge it. Say you're done, you can't cancel it. No, just go plant a tree and it probably does more than this has ever done.

• 56:10Speaker 03

  We'll see.

• 56:11Caleb Hammer?

  How much is this $5 really doing? I don't know.

• 56:14Speaker 03

  It, it, this was, it was like a whole calculator thing where you like put in where you live and like, it like grades your like carbon usage and everything and then it, you can select.

• 56:25Caleb Hammer?

  Then it punishes you a fee? Like what?

• 56:27Speaker 03

  No.

• 56:27Caleb Hammer?

  This seems like a scam.

• 56:28Speaker 03

  That was optional. And I felt bad. Oh, yeah.

• 56:31Caleb Hammer?

  It's because you're the easy kind to absolutely trick and to weird performative activism.

• 56:36Speaker 03

  Environmental things, yeah.

• 56:37Caleb Hammer?

  Environmental can be good. What the f**k is this though? This is, you're paying a fee.

• 56:41Speaker 03

  Yeah.

• 56:41Caleb Hammer?

  That's the environmental, go advocate for environmental things. Go support the products you like. Paying a fee just to feel good?

• 56:48Speaker 03

  Activism happens in multiple forms, Caleb. There isn't just one right way.

• 56:51Caleb Hammer?

  And this one is making someone money.

• 56:53Speaker 03

  That is, yeah, probably, but.

• 56:55Caleb Hammer?

  Okay, Blue Host.

• 56:57Speaker 03

  Yeah.

• 56:58Caleb Hammer?

  What's that?

• 56:58Speaker 03

  I started a blog, um, and then I stopped.

• 57:01Caleb Hammer?

  Yeah, blogs, very in on 2026.

• 57:03Speaker 03

  I, it.

• 57:03Caleb Hammer?

  Yeah, you're paying for it.

• 57:05Speaker 03

  I need to cancel it. I think I did ca- maybe I canceled it?

• 57:08Caleb Hammer?

  Nope.

• 57:08Speaker 03

  I, okay.

• 57:09Caleb Hammer?

  Nope.

• 57:10Speaker 03

  I.

• 57:10Caleb Hammer?

  Parking, MJ Events concerts, $110.

• 57:14Speaker 03

  That was my Kim Ko-Romance concert.

• 57:16Caleb Hammer?

  Your concert. I don't give a shit.

• 57:17Speaker 03

  It was my Kim.

• 57:18Caleb Hammer?

  You're literally putting $1,000 of boobs that don't even need to be moved.

• 57:21Speaker 03

  They were free tickets.

• 57:22Caleb Hammer?

  But they're not because you had to pay for parking and bullshit there and bullshit and bullshit. You still spent hundreds.

• 57:27Speaker 03

  Yeah, but I didn't have to pay for the tickets that were like almost $1,000.

• 57:32Caleb Hammer?

  It was, it was like a free gift telling you to go spend more money.

• 57:35Speaker 03

  Yeah, and I did.

• 57:36Caleb Hammer?

  Exactly, and that's, you just had to put, you just had to put a down payment down on Klarna.

• 57:40Speaker 03

  No, listen. I, when I, when I went to see them for their like first reunion tour back in like 2022, because they postponed it, I was like freshly sober, so I was withdrawing super bad, so I didn't remember the concert.

• 57:54Caleb Hammer?

  I'm sorry, the, the, the, the, the tear jerk is not gonna, I don't give a.

• 57:59Speaker 03

  I wanted a real experience.

• 58:00Caleb Hammer?

  See them next time. I don't give a shit.

• 58:01Speaker 03

  No, because I'm not gonna be able to afford tickets. These were free tickets.

• 58:04Caleb Hammer?

  You can't afford, so. No, we can get you to the place where you can afford to. Hey, guess what? Exciting news, cuz I know we're filming this well before it comes out cuz our backlog is juicy. Thank you, Lindsay and Colton. But we proved that we can. We do an annual report every single time. The average guest who comes on Financial Audit pays off $22,807 of debt within 12 months. The median pays off $12,000 of debt in eight months. We can get you there. We can get you there. Proven method.

• 58:34Speaker 03

  Okay, let's do it.

• 58:35Caleb Hammer?

  Proven method. Show me. Well, I'm putting you through the Master Your Money program.

• 58:38Speaker 03

  Okay.

• 58:39Caleb Hammer?

  To be very clear, that's our debt class, investing class, real estate class, budgeting class, recession class, job class, all the good classes. We're putting you through that and every future class you can join as well. You get the premium version of the Dollar Wise Budgeting App with the Master Your Money program, kalamhammer.com for all of that. So that's what they've done. They followed that path and they've done it, so you can do it too. But to say that you have to go spend money you don't have right now, when you're financing a down payment on tits and also, it's just so stupid. Instead of saying you can't do it in the future, it's so stupid.

• 59:07Speaker 03

  I mean...

• 59:08Caleb Hammer?

  You literally can.

• 59:08Speaker 03

  I probably will still do it in the future, but I need to do it this time too.

• 59:12Caleb Hammer?

  But you can't afford it. That's what's objective.

• 59:14Speaker 03

  It was important.

• 59:16Caleb Hammer?

  No, and you're doordashing cha-chang, cha-king, chink, China King.

• 59:20Speaker 03

  China King?

• 59:21Caleb Hammer?

  For $47.66.

• 59:22Speaker 03

  The best Chinese food. And to be fair, any like food charges on there, I split with my partner.

• 59:30Caleb Hammer?

  Okay, that's not fair cuz that's still 25 bucks, basically. Fuck you. That is an insane amount.

• 59:35Speaker 03

  It was worth it.

• 59:36Caleb Hammer?

  Klarna, she, okay, so she puts things on her debt Klarna, then she pays for her Klarna debt with her credit card that accrues at a 28% interest rate of debt!

• 59:45Speaker 03

  I didn't even know they could do that.

• 59:46Caleb Hammer?

  Fuck you, of course it is. What do you mean?

• 59:47Speaker 03

  I thought it could, I thought it could only come out of your checking account.

• 59:51Caleb Hammer?

  She's a beast. She's a creature. Oh, sorry, the whore's a beast. Oh my gosh! Oh my goodness, here's the actual reality. Her finances are...

• 1:00:07Speaker 03

  Go ahead.

• 1:00:08Caleb Hammer?

  The whore's finances are so...

• 1:00:12Caleb Hammer?

  Do you even know this is happening?

• 1:00:14Speaker 03

  No.

• 1:00:14Caleb Hammer?

  The finances are so Again, reminder, $1,000 down payment on the titties.

• 1:00:20Speaker 03

  Mm-hmm.

• 1:00:21Caleb Hammer?

  By the way, I will say once more, they are very nice. Like, everyone would be impressed.

• 1:00:27Speaker 03

  They could be nicer.

• 1:00:27Caleb Hammer?

  Everyone would be impressed. You don't need that. You don't need that right now. But $1,000 down that she can't afford on Klarna, which then she pays with her credit card, while at the same time on her checking account, she is

• 1:00:40Caleb Hammer?

  Oh, this is an impossible game. Pronouns are an impossible game. This human

• 1:00:46Speaker 03

  There you go. That works.

• 1:00:48Caleb Hammer?

  Is literally overdrafting on this person's checking account, and it's being charged via cash advance from this person's credit card of $150!

• 1:01:04Speaker 03

  I immediately pay it back.

• 1:01:06Caleb Hammer?

  Dude, can I not just call you her and she? Just for the simplicity of this conversation, so I don't have to think about it?

• 1:01:11Speaker 03

  Can you like alternate?

• 1:01:13Caleb Hammer?

  Huh?

• 1:01:13Speaker 03

  Can you like alternate?

• 1:01:14Caleb Hammer?

  No, cuz I don't think when I'm talking about what someone is!

• 1:01:17Speaker 03

  Fine, Caleb. We'll play by your rules.

• 1:01:20Caleb Hammer?

  Can we just go like, uh, sex? Right?

• 1:01:25Speaker 03

  Sure.

• 1:01:25Caleb Hammer?

  We just do sex rules?

• 1:01:26Speaker 03

  Sure.

• 1:01:27Caleb Hammer?

  Just, just for the sake of ease of the conversation. Thank you, I appreciate it. I will respect it. I do respect it, and I will do it when I think about it. I just have a hard time thinking about it when I'm trying to think about numbers. Because the fact is, another number is this person then overdrafted "I gained $350 from the credit card doing cash advance fees of"

• 1:01:48Speaker 03

  My car payment came out.

• 1:01:50Caleb Hammer?

  Yeah, that happens.

• 1:01:52Speaker 03

  Okay, so

• 1:01:52Caleb Hammer?

  That happens. It's a shock.

• 1:01:54Speaker 03

  No, no, no, no, no, no, no.

• 1:01:55Caleb Hammer?

  Blown my mind. Oh, my car payment, that always happens.

• 1:01:58Speaker 03

  I had like $900 come out of my checking account at one time.

• 1:02:02Caleb Hammer?

  That you signed up for.

• 1:02:02Speaker 03

  Because, no, no, no, no, no. Because my car payment came out, my credit card payment came out,

• 1:02:07Caleb Hammer?

  Welcome to bills, welcome to bills. Welcome to the consequences of the things you signed up for, you dumb

• 1:02:12Speaker 03

  I'm expecting my electric bill to come out, and I forgot that my credit card was on auto pay.

• 1:02:17Caleb Hammer?

  You should always have enough money for your bills.

• 1:02:19Speaker 03

  Sure.

• 1:02:20Caleb Hammer?

  If you're not spending money on dumbass, dumbass, $1,000 on tits and then putting it on your credit card, moron. What are we doing? Miscellaneous bullshit alone was literally almost $600, and going out to eat was 200. Like, what are we doing? Cough.

• 1:02:32Speaker 03

  Uh, going out to eat was

• 1:02:34Caleb Hammer?

  Oh, of course you do. Let me see your inner lip.

• 1:02:39Caleb Hammer?

  So she is. C U N T.

• 1:02:42Speaker 03

  The C is worn off. I need to get it redone, but yeah.

• 1:02:44Caleb Hammer?

  Uh huh.

• 1:02:45Speaker 03

  I was told it was your favorite word.

• 1:02:47Caleb Hammer?

  Oh, great word.

• 1:02:48Speaker 03

  It's a beautiful word.

• 1:02:49Caleb Hammer?

  Whore's becoming my new favorite word of the day.

• 1:02:50Speaker 03

  Okay, good.

• 1:02:51Caleb Hammer?

  For what it's worth.

• 1:02:51Speaker 03

  I'm glad I opened you up to that.

• 1:02:54Caleb Hammer?

  Interest thousand three hundred this year so far. The year's not even done.

• 1:02:58Speaker 03

  Yeah, I know.

• 1:02:58Caleb Hammer?

  It's time of filming this.

• 1:03:00Speaker 03

  It's great.

• 1:03:00Caleb Hammer?

  It's crazy. And then fees, fees, fees, cash advance, cash advance, cash advance, cash advance.

• 1:03:06Speaker 03

  I'm trying to be better.

• 1:03:08Caleb Hammer?

  No, it's the lady part, right?

• 1:03:10Speaker 03

  Yeah.

• 1:03:12Caleb Hammer?

  Confusing. Just confusing.

• 1:03:16Caleb Hammer?

  It's confusing.

• 1:03:17Speaker 03

  Okay.

• 1:03:18Caleb Hammer?

  To wanna be called a guy, but have cunt tattooed on you.

• 1:03:25Speaker 03

  Too. You could call me an asshole. I mean.

• 1:03:27Caleb Hammer?

  Oh, you're not an asshole.

• 1:03:28Speaker 03

  They're all. No, you are, but.

• 1:03:29Caleb Hammer?

  I am. I am. You're not.

• 1:03:32Speaker 03

  Hmm. Okay.

• 1:03:33Caleb Hammer?

  You're a whore.

• 1:03:35Speaker 03

  I mean, I'd rather be a whore than an asshole.

• 1:03:38Caleb Hammer?

  I'm both.

• 1:03:38Speaker 03

  Yeah. At least you admit it.

• 1:03:41Caleb Hammer?

  I just don't whore out my asshole.

• 1:03:42Speaker 03

  That's the first step Caleb is admitting it.

• 1:03:44Caleb Hammer?

  I know. I know I'm an asshole in this context. For sure. I don't give a. US Bank.

• 1:03:51Speaker 03

  Yeah.

• 1:03:51Caleb Hammer?

  Again.

• 1:03:52Speaker 03

  Yeah.

• 1:03:52Caleb Hammer?

  US Bank two, I guess.

• 1:03:54Speaker 03

  Yeah, okay. So.

• 1:03:55Caleb Hammer?

  Nine hundred ninety-nine dollars and six cents with a minimum payment of sixty-three. Oh, good. Purchased a hundred ninety dollars fifty-two cents on a card that is agreeing twenty-two dollars and sixty cents in interest. That takes two years to pay off, that we can't pay off in one, because we're also overdrafting like a dumbass. What are we doing? What are we doing? Why are you purchasing on this card, you fuck? What?

• 1:04:14Speaker 03

  This was originally opened because I was gonna do a balance transfer.

• 1:04:18Caleb Hammer?

  How'd that work?

• 1:04:19Speaker 03

  It's a zero percent interest.

• 1:04:20Caleb Hammer?

  Without changing our behavior first.

• 1:04:22Speaker 03

  You wanna know why?

• 1:04:22Caleb Hammer?

  Whoa.

• 1:04:23Speaker 03

  No, you wanna know why? I didn't know.

• 1:04:25Caleb Hammer?

  Because it didn't change your behavior first?

• 1:04:26Speaker 03

  I didn't know that you can do a balance transfer if you're opening a card that's in the same like financial institution as the one you're trying to transfer over. I didn't know that that was the thing that you couldn't do that.

• 1:04:37Caleb Hammer?

  Why weren't you looking things up or talking to anyone?

• 1:04:39Speaker 03

  I.

• 1:04:41Caleb Hammer?

  This day and age where every resource is at our fingertips.

• 1:04:44Speaker 03

  Through it all by my own, like I could have asked my grandma, my grandma could have probably told me that.

• 1:04:48Caleb Hammer?

  When was this?

• 1:04:49Speaker 03

  Um, this was like right before I got my car.

• 1:04:53Caleb Hammer?

  When was that?

• 1:04:54Speaker 03

  Two years ago.

• 1:04:55Caleb Hammer?

  Then you had a boyfriend, shut the up.

• 1:04:57Speaker 03

  I'm the one that got his credit score up.

• 1:04:59Caleb Hammer?

  How you're.

• 1:05:01Speaker 03

  See, the thing is like, I know how to do finances.

• 1:05:04Caleb Hammer?

  Rules for thee, not for me?

• 1:05:06Speaker 03

  I don't do it. Yeah, exactly.

• 1:05:08Caleb Hammer?

  Well, that's immature.

• 1:05:09Speaker 03

  I do. Well, I'm working on it.

• 1:05:12Caleb Hammer?

  No.

• 1:05:13Speaker 03

  Hmm.

• 1:05:14Caleb Hammer?

  That's what everyone says. Where's the working on it? You spent more than you made last month. Your debt's only going up. You're literally doing, again, nine thousand dollars right there. You already put one down. You paid that minimum payment on her credit card while overdrafting. You're checking the account because you can't manage bills to save your life. Working on it? Where's the working on it? I was like, working on it? You're working on it?

• 1:05:31Speaker 03

  I didn't even know it's on this card.

• 1:05:33Caleb Hammer?

  Huh?

• 1:05:33Speaker 03

  I didn't even know it's on this card.

• 1:05:34Caleb Hammer?

  I'll tell you, some kind of Microsoft subscription, going in and getting some bullshit. Vaping, she vapes.

• 1:05:39Speaker 03

  I do.

• 1:05:39Caleb Hammer?

  Well, now, any, any sense, any sense of like,

• 1:05:44Caleb Hammer?

  if you did have any attractiveness to anyone, it's out the door now. You nasty. What's wrong with you? You're vaping, you're killing yourself. What are you doing?

• 1:05:50Speaker 03

  Listen, I was an alcoholic for ten years.

• 1:05:53Caleb Hammer?

  That's not good.

• 1:05:53Speaker 03

  So.

• 1:05:54Caleb Hammer?

  So let's also kill ourselves in another way?

• 1:05:56Speaker 03

  This. Let me have the, this is the one thing that I have, Kayla.

• 1:05:59Caleb Hammer?

  Why don't you just be not that?

• 1:06:02Speaker 03

  It's so hard to quit.

• 1:06:03Caleb Hammer?

  It is. No, objectively, you did a harder addiction to quit, though.

• 1:06:07Speaker 03

  However, I will say.

• 1:06:08Caleb Hammer?

  So you already proved to yourself you can.

• 1:06:10Speaker 03

  You will like this. When I do get my boob job, I have to quit vaping.

• 1:06:14Caleb Hammer?

  Then just do it now.

• 1:06:15Speaker 03

  I can't. I tried.

• 1:06:17Caleb Hammer?

  Well, then how will you be able to do it then?

• 1:06:18Speaker 03

  So I, I actually was. I was quitting and then.

• 1:06:22Caleb Hammer?

  Okay, but how will you be able to do it then?

• 1:06:24Speaker 03

  About the boob job not happening at, you know, next month or whatever.

• 1:06:28Caleb Hammer?

  Oh, no, the most stressful thing in our lives. I can't make my tits do this.

• 1:06:31Speaker 03

  Right back to it.

• 1:06:32Caleb Hammer?

  Great. So how are you gonna quit then?

• 1:06:35Speaker 03

  Willpower and um.

• 1:06:37Caleb Hammer?

  Okay, so it's not great. So you're gonna up everything, just like you already have.

• 1:06:40Speaker 03

  They have those little like detox pill things. I have them.

• 1:06:43Caleb Hammer?

  Do that now.

• 1:06:45Speaker 03

  No, no, no, because I'm not quitting right now.

• 1:06:47Caleb Hammer?

  But you should.

• 1:06:48Speaker 03

  Like, yeah, but I'm not.

• 1:06:49Caleb Hammer?

  For your life, for your budget, for your health, for making sure you're quitting before then anyway.

• 1:06:54Speaker 03

  It's like an oral fixation. Like I have switched to like the zero nicotine thing.

• 1:06:58Caleb Hammer?

  Fix it on your boyfriend. Trust me. I think he wants it since he's not getting anything else. Easy. Get yourself a stim toy dude.

• 1:07:05Speaker 03

  Yeah.

• 1:07:05Caleb Hammer?

  We've had weird creature women on you on the show, like you on the show that have those.

• 1:07:10Speaker 03

  I probably could use one. Yeah.

• 1:07:13Caleb Hammer?

  Okay, and then Apple bill, Apple bill.

• 1:07:16Speaker 03

  Yeah.

• 1:07:17Caleb Hammer?

  And interest charging like crazy. Fees, you've had a late fee this year.

• 1:07:21Speaker 03

  Bullshit.

• 1:07:22Caleb Hammer?

  Well, nope, you've had a late fee this year.

• 1:07:23Speaker 03

  Bullshit.

• 1:07:24Caleb Hammer?

  Let me do this again. You've had a late fee, uh, not paying on time.

• 1:07:27Speaker 03

  Everything is on auto pay.

• 1:07:29Caleb Hammer?

  Okay, doesn't matter. Just like your electricity bill was on auto pay. You didn't have enough money. If you do not have enough money in your account when this auto pay hits, especially since, I don't know, but it's been this year, 2025.

• 1:07:41Caleb Hammer?

  Open your phone.

• 1:07:44Caleb Hammer?

  Then interest and auto pay and it's. Listen, I'll let you use the Fizz card.

• 1:07:47Speaker 03

  I've had a late, a late payment fee one time.

• 1:07:52Caleb Hammer?

  Well, one time this year on that card.

• 1:07:54Speaker 03

  That's crazy.

• 1:07:55Caleb Hammer?

  I'll let you use the Fizz card debit card that builds credit. A lot of people in the audience use it who have a hard time changing their behavior. At least it's a tool you can use. No, that's not what we're looking at. Just give me your phone.

• 1:08:03Speaker 03

  Oh, okay. I was gonna. Now I'm mad.

• 1:08:08Caleb Hammer?

  Should be. You're a fuck.

• 1:08:12Caleb Hammer?

  Okay, those Apple bills. Let's see. Okay, we got Apple Music.

• 1:08:15Speaker 03

  Yeah, have to.

• 1:08:16Caleb Hammer?

  Duolingo. What are you learning?

• 1:08:18Speaker 03

  Spanish.

• 1:08:18Caleb Hammer?

  Why? You're in St. Louis.

• 1:08:20Speaker 03

  Well, I mean, cuz I feel like it's still important. I feel like.

• 1:08:25Caleb Hammer?

  Why?

• 1:08:25Speaker 03

  Spanish was the big.

• 1:08:27Caleb Hammer?

  You're in St. Louis.

• 1:08:28Speaker 03

  I know, but I'm not gonna stay in St. Louis.

• 1:08:30Caleb Hammer?

  If anything, just learn, learn jive. iCloud Plus.

• 1:08:34Speaker 03

  Uh huh.

• 1:08:35Caleb Hammer?

  Yeah, that's fine.

• 1:08:36Speaker 03

  Mm hmm.

• 1:08:37Caleb Hammer?

  Wise, make your homes.

• 1:08:38Speaker 03

  Those are my, that's my security cameras for the house.

• 1:08:41Caleb Hammer?

  Oh, well, that one's okay. Duolingo, I don't know if you 100% need right now. I like Duolingo, I just don't know if you need it right now.

• 1:08:47Speaker 03

  It was accidental, cuz I did like the free thing.

• 1:08:50Caleb Hammer?

  And then sleep cycle and pic collage. Pic collage, what is this like?

• 1:08:53Speaker 03

  So I deleted, I cancelled that.

• 1:08:56Caleb Hammer?

  And then we've had Duolingo, we've had Crunchyroll, that one just expired. Google Photos, we had, oh, don't have it now.

• 1:09:01Speaker 03

  I know, I cancelled it. Like, I'm, I'm not paying for any like, sorry, um, like, streaming services anymore. I hit the microphone, I was apologizing to it.

• 1:09:11Caleb Hammer?

  It's okay. Okay, I have a, oh, Kia. Kia's, Kia's Sportage Hybrid.

• 1:09:16Speaker 03

  Baby, her name is Spock.

• 1:09:21Caleb Hammer?

  I'm just surprised you're even with a guy. Can we get Erin in here?

• 1:09:25Speaker 03

  Are you gonna lesbian score me?

• 1:09:28Caleb Hammer?

  Of course I am.

• 1:09:28Speaker 03

  Okay, yay.

• 1:09:30Caleb Hammer?

  Welcome Erin, please come in, our resident lesbian expert, please come in. We need a lesbian financial score, or a lesbian score to see if she is lesbian or not.

• 1:09:42Speaker 03

  This is not gonna take long. Okay. Um, what kind of car do you drive? Like Kia Sportage Hybrid. Hmm. She's beautiful. How many pets do you own? Two. What are your pronouns? Say them.

• 1:09:53Caleb Hammer?

  And preferred.

• 1:09:54Speaker 03

  And I, I prefer like male terms, like dude, bro, guy, man, yeah. Like, 11.

• 1:10:03Caleb Hammer?

  Lesbian financial score, 11 out of 10, she has a boyfriend in the other room. Yeah, that's what I, that's what I said. If you want your lesbian score, see where you stand in the world of lesbianism. If you need to be more lesbian or less lesbian, um, go to CalebHarris.com/lesbian, take the assessment. It's free, it takes a few minutes. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of

• 1:10:48Caleb Hammer?

  your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Guys, just real quick, don't forget to take your Hammer financial score at CalebHammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. CalebHammer.com.

• 1:11:15Speaker 03

  I, I will say.

• 1:11:16Caleb Hammer?

  Why'd you settle with a guy?

• 1:11:17Speaker 03

  I don't like most men.

• 1:11:20Caleb Hammer?

  Why'd you pick him?

• 1:11:21Speaker 03

  He just kinda came to me. They just like gravitate towards me and then occasionally I like let them stay.

• 1:11:26Caleb Hammer?

  Okay.

• 1:11:26Speaker 03

  But I do love BB No Money. He's my, my favorite.

• 1:11:30Caleb Hammer?

  I think he likes the show if I'm not mistaken.

• 1:11:33Speaker 03

  Hi.

• 1:11:33Caleb Hammer?

  I've texted him a few times. We've texted about him coming on the show a few times. Him and Young Gravy.

• 1:11:39Speaker 03

  Yes, they're so fun.

• 1:11:40Caleb Hammer?

  That was like a year ago.

• 1:11:41Speaker 03

  I've been like watching their stuff recently.

• 1:11:43Caleb Hammer?

  Okay, so on this Kia, you owe $29,332.24.

• 1:11:49Speaker 03

  Yeah.

• 1:11:50Caleb Hammer?

  Okay. Well, you met him in rehab. Isn't that like the opposite of what you're supposed to do?

• 1:11:55Speaker 03

  Oh, absolutely.

• 1:11:56Caleb Hammer?

  Isn't that like super bad? You're not supposed to be there for like a whole year, right?

• 1:11:58Speaker 03

  Yeah, we met in rehab and then, um, after about, I want to say maybe like three weeks of hanging out, we like went official and then like two weeks after that I made him move in.

• 1:12:09Caleb Hammer?

  Okay, what do you think this car's worth? And that's crazy. I'm surprised it's worth. Is he alcoholic too?

• 1:12:13Speaker 03

  Yes.

• 1:12:14Caleb Hammer?

  So at least you guys can hold each other accountable now, but that was a risky situation you put in.

• 1:12:18Speaker 03

  Like, we don't really, we don't have cravings. We don't really like think about drinking or anything.

• 1:12:21Caleb Hammer?

  Good, but there's a lot of life.

• 1:12:23Speaker 03

  No, 100%. Yeah, they say like, don't even think about getting into a relationship until you're like a year in. I think I was eight months and he was six.

• 1:12:30Caleb Hammer?

  What do you think the car's worth?

• 1:12:32Speaker 03

  Um, I think whenever I checked, it was 24.

• 1:12:34Caleb Hammer?

  Well, Edmunds has an appraisal report and Edmunds is the best, uh, the most accurate value on the internet, much better than KBB and those other ones. So Edmunds has $22,048.

• 1:12:44Speaker 03

  Oh, wow. That was less than I thought. Hmm.

• 1:12:47Caleb Hammer?

  So you're dramatically underwater on a 10% interest rate of death.

• 1:12:51Speaker 03

  Yeah, I know.

• 1:12:51Caleb Hammer?

  You're losing to the market in every way.

• 1:12:54Speaker 04

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• 1:13:23Caleb Hammer?

  Whatsoever.

• 1:13:23Speaker 03

  I actually had to order my car because it was in such high demand that they didn't have it.

• 1:13:28Caleb Hammer?

  High demand. Payment so low that this is going to take forever to pay off. $281.31. What is this, like a 10 year term?

• 1:13:35Speaker 03

  No, no, no, no, no, no, no. My monthly payment is like 640 something, but I'm like, I'm super, super, super ahead of paying it.

• 1:13:44Caleb Hammer?

  No, you're not ahead. You pay it by a little bit throughout the month.

• 1:13:47Speaker 03

  No, no, no, I pay, I make two payments a month. Every two weeks I make a payment, but because of the payments that I make, it's like, I don't, like right now, I don't owe a payment for like a month.

• 1:14:02Caleb Hammer?

  The fuck you're doing? You can't, dude, you're just overdrafted. Why are you paying ahead on a car? That is the most

• 1:14:06Speaker 03

  Because it's one of those, it's on auto pay and I just, I just leave it.

• 1:14:10Caleb Hammer?

  Well, stop, just auto pay minimum. What's the minimum? What's the minimum?

• 1:14:14Speaker 03

  Like 640?

• 1:14:16Caleb Hammer?

  Okay, 640, that's the minimum. And you're only doing that. No, you're only doing minimum. You got credit cards that are accruing at like 28%. That you're overdrafted and cash advancing fund. This is so stupid.

• 1:14:27Speaker 03

  Fine.

• 1:14:28Caleb Hammer?

  What is this? Any reason, any season ID.

• 1:14:31Speaker 03

  Yeah, so I did a debt consolidation.

• 1:14:34Caleb Hammer?

  Which always works when we don't change our behavior. Go ahead, what? Tell me.

• 1:14:38Speaker 03

  I had like five, I think it was like four or five credit cards that were all like super bad. So the reason that it got so bad was because I had a Jeep Compass and it like shit out on me like right before my 26th birthday. It was in the shop three times within the span of two weeks. I spent over $7,000 on it. So I needed a new car.

• 1:14:58Caleb Hammer?

  My gosh.

• 1:14:58Speaker 03

  And that was the car that I wanted.

• 1:15:00Caleb Hammer?

  Consolidation reason.

• 1:15:02Speaker 03

  Yeah, I'd maxed out my Firestone. Rest of it ended up going on my credit card.

• 1:15:07Caleb Hammer?

  That you were trying to use to actually like get, taking care of your shit though. Your emergency in a situation that you're trying to find a way through.

• 1:15:14Speaker 03

  It was, but it was because it like cut all of my like monthly credit card payments in half.

• 1:15:20Caleb Hammer?

  Yeah, at a 13% interest rate. You're making them a shit ton of money for sure.

• 1:15:23Speaker 03

  Okay, but my car, like me putting seven grand into a 2015 Jeep Compass was not worth it. And so I like, it was just time to let her go.

• 1:15:32Speaker 03

  And then that was the one that I wanted.

• 1:15:34Caleb Hammer?

  I may have agreed with that. You just weren't in the right place to do it. Cause again, you're locked in at a 13% interest rate.

• 1:15:39Speaker 03

  So this is where we ended up.

• 1:15:40Caleb Hammer?

  Well, your minimum payment is what?

• 1:15:42Speaker 03

  I see. The thing is, I don't actually know what my minimum monthly payment. I think it's like 3, I think it's like 330, but I pay 450.

• 1:15:49Caleb Hammer?

  Stop, that makes no sense.

• 1:15:50Speaker 03

  I don't, but the thing, I don't know what my actual minimum monthly payment is.

• 1:15:53Caleb Hammer?

  Go on there and figure it out, you.

• 1:15:55Speaker 03

  It doesn't say.

• 1:15:56Caleb Hammer?

  No, you go on there and you just set up auto pay for minimum. You, what is wrong with you? Make a phone call. What is wrong with you?

• 1:16:01Speaker 03

  But I like to pay every two weeks.

• 1:16:04Speaker 03

  Cause if I, if I only do it like.

• 1:16:05Caleb Hammer?

  Stop. That doesn't make any sense. Go through our budgeting class, please.

• 1:16:07Speaker 03

  Okay.

• 1:16:08Caleb Hammer?

  And use the Dollar Wise app, please. You are so, if you are doing this weird budgeting technique that no one advises because you can't manage it, it's not working. You are overdrafting via your credit cards. If it was working, you wouldn't be doing that. So why follow something that is continually proving to not work? Doesn't matter. Doesn't matter. Why?

• 1:16:29Caleb Hammer?

  So stupid. I don't get it.

• 1:16:30Speaker 03

  Convenience.

• 1:16:31Caleb Hammer?

  Convenience, overdrafting is convenient?

• 1:16:33Speaker 03

  Well, no, no, no, but like having it set up the way that it is and it's like, I know every, every month, like,

• 1:16:41Speaker 03

  Wednesday.

• 1:16:41Caleb Hammer?

  So the boob job has to be in Florida?

• 1:16:44Speaker 03

  So, okay.

• 1:16:44Caleb Hammer?

  So you have to get there?

• 1:16:45Speaker 03

  They gave me two options. There is one in Chicago. There's a surgeon in Chicago that they suggested.

• 1:16:50Caleb Hammer?

  It's like a four hour drive or something?

• 1:16:51Speaker 03

  But he's like three thousand, two or three thousand more.

• 1:16:57Speaker 03

  So that was the thing.

• 1:16:57Caleb Hammer?

  So no matter what, we have to spend more because you have to get to Florida. Or spend a few thousand more in Chicago.

• 1:17:03Speaker 03

  It would have been perfect for me to do it at the end of the family vacation because we were already going. We were already going to be there.

• 1:17:09Caleb Hammer?

  You're working with a concierge plastic surgery company that you found on Google?

• 1:17:12Speaker 03

  That's what Bliss is.

• 1:17:14Caleb Hammer?

  What does that even mean?

• 1:17:15Speaker 03

  So they like partner you up with reputable surgeons that are like, that have like specific certifications and blah, blah, blah, blah, blah, whatever. Um, and then they give you like suggestions based off of like what exactly you're looking for. So because I was looking more towards like breast lift with like a slight augmentation, those were the two doctors that they suggested me for because that's kind of like where they do their thing.

• 1:17:41Caleb Hammer?

  Okay.

• 1:17:43Speaker 03

  I don't know.

• 1:17:43Caleb Hammer?

  Sounds like the biggest waste of money ever.

• 1:17:45Speaker 03

  It's, it makes so much more sense versus like going online.

• 1:17:48Caleb Hammer?

  Spending thousands we don't have regardless does not make sense.

• 1:17:51Speaker 03

  Find a plastic surgeon?

• 1:17:54Caleb Hammer?

  No, just getting this makes no sense is what I'm saying.

• 1:17:56Speaker 03

  But it.

• 1:17:57Caleb Hammer?

  Right now, dude? Five hundred sixty-two dollars and sixty-one cents owed on the synchrony care. Is this care credit? Care credit? Yeah.

• 1:18:06Speaker 03

  Yeah.

• 1:18:07Caleb Hammer?

  Okay.

• 1:18:07Speaker 03

  So I originally.

• 1:18:08Caleb Hammer?

  Of which is thirty dollars a month paying off nineteen months.

• 1:18:11Speaker 03

  Uh, so, okay.

• 1:18:12Caleb Hammer?

  Usually it's the deferred interest.

• 1:18:13Speaker 03

  Zero percent interest right now?

• 1:18:14Caleb Hammer?

  Oh baby, there is a thirty-three percent and that's owed in a couple, oh no, no, no.

• 1:18:17Speaker 03

  Listen, not till March.

• 1:18:18Caleb Hammer?

  Uh, a year and a couple of months.

• 1:18:20Speaker 03

  Yeah. So I am already planning on getting that paid off. It's like, like I've already.

• 1:18:25Caleb Hammer?

  Is that incorporated into your layoffs?

• 1:18:27Speaker 03

  I've scheduled all my payments so that it'll be paid off before the interest hits, but I originally opened that up.

• 1:18:32Caleb Hammer?

  What is your required minimum monthly payment in order to pay it off in time?

• 1:18:36Speaker 03

  Oh God, I don't know.

• 1:18:37Caleb Hammer?

  I mean, I, I can do the math.

• 1:18:38Speaker 03

  Um, I think it's like one. Ten?

• 1:18:42Caleb Hammer?

  No, that doesn't make any sense. How's a one ten?

• 1:18:44Speaker 03

  When is it? Wait, when's the interest free over?

• 1:18:47Caleb Hammer?

  It'll be about, I would do thirty-eight hours to be safe.

• 1:18:50Speaker 03

  Thirty-eight?

• 1:18:50Caleb Hammer?

  Yeah.

• 1:18:51Speaker 03

  Oh, oh shit, then I need to go through and cancel my-

• 1:18:54Caleb Hammer?

  Yeah, see, you're broken. You're stupid. You don't know what you're doing. You're just doing things without looking.

• 1:18:58Speaker 03

  I thought that I only had like a six-month zero percent interest.

• 1:19:04Caleb Hammer?

  March twenty twenty-seven.

• 1:19:06Speaker 03

  Shit, really?

• 1:19:07Caleb Hammer?

  Yes.

• 1:19:07Speaker 03

  Wow.

• 1:19:08Caleb Hammer?

  It is accruing at a thirty-three percent interest rate. It's gonna be hundreds ahead if you don't pay it off.

• 1:19:12Speaker 03

  Well, yeah, it's gonna be paid. I mean-

• 1:19:13Caleb Hammer?

  Well, I hope so. Are you incorporating in your plan your job getting laid off, which he pretty much told you is going to happen?

• 1:19:18Speaker 03

  No.

• 1:19:19Caleb Hammer?

  Exactly. That's why you doing this, adding any kind of risk, doing this right now, when you do not need to, is moronic because you have an actual ticking time bomb in many ways coming at you, and the biggest one being a layoff.

• 1:19:33Speaker 03

  Caleb, I'm looking, I'm looking, I've been applying. I've got, uh-

• 1:19:39Caleb Hammer?

  Maybe I'll look at your resume in the post-show.

• 1:19:40Speaker 03

  A job application for an autism behavior specialist that-

• 1:19:44Caleb Hammer?

  Why would they trust you?

• 1:19:45Speaker 03

  Because I work with kids with autism.

• 1:19:48Caleb Hammer?

  You, but you're not licensed in that, are you?

• 1:19:50Speaker 03

  No, no, no, no, but they, it's not, I am not like the official physician or anything. I'm there for like care and advocacy.

• 1:19:58Caleb Hammer?

  Oh, you're just gonna be one of those enablement people, though. I can already tell.

• 1:20:02Speaker 03

  Absolutely not. I do not let those kids get away with shit.

• 1:20:07Caleb Hammer?

  Mm-hmm.

• 1:20:07Speaker 03

  Mm-hmm.

• 1:20:08Caleb Hammer?

  Firestone, so this was for the-

• 1:20:11Speaker 03

  I don't use that.

• 1:20:12Caleb Hammer?

  Okay, well, you have a balance.

• 1:20:13Speaker 03

  No, I, I added the boyfriend on as an authorized user, and so I let him use it for oil changes and stuff. Well, yeah, but I don't, I don't use it.

• 1:20:22Caleb Hammer?

  Doesn't matter. It's under your credit.

• 1:20:24Speaker 03

  Yeah, I know that.

• 1:20:25Caleb Hammer?

  And you said he's worse with finances than you, and you're already pretty spectacularly bad.

• 1:20:29Speaker 03

  He was worse.

• 1:20:30Caleb Hammer?

  So is he making the minimum payments?

• 1:20:31Speaker 03

  He just didn't have any credit. Yeah, yeah.

• 1:20:32Caleb Hammer?

  Cause that's what's required right now.

• 1:20:34Speaker 03

  It's set on autopay for him to pay it.

• 1:20:35Caleb Hammer?

  Pay what?

• 1:20:36Speaker 03

  Um, I don't remember the balance, but I think it's set so that it like-

• 1:20:40Caleb Hammer?

  The minimum or the whole thing? No, minimum is twenty-nine.

• 1:20:43Speaker 03

  Not quite the minimum. It's a little over the minimum.

• 1:20:46Caleb Hammer?

  So minimum is twenty-nine. This is Firestone.

• 1:20:48Speaker 03

  Yeah, but that's not, don't, that's not a me payment.

• 1:20:51Caleb Hammer?

  Okay, yeah, I'll put it in parentheses.

• 1:20:53Speaker 03

  Okay, thank you.

• 1:20:53Caleb Hammer?

  But that's if he... What does he do for work?

• 1:20:55Speaker 03

  Um, he does sales for...

• 1:20:59Caleb Hammer?

  Well, sales is very up and down, so what if he can't?

• 1:21:01Speaker 03

  Um, it's like lawn care and they do like holiday decor stuff.

• 1:21:05Caleb Hammer?

  Your biggest fight...

• 1:21:06Speaker 03

  He started making a lot of money.

• 1:21:06Caleb Hammer?

  Your biggest fight, you tit... is that he didn't pay...

• 1:21:09Speaker 03

  Yeah, he just started a shop.

• 1:21:10Caleb Hammer?

  Well, sales, by the way, can take months.

• 1:21:12Speaker 03

  No, I know, absolutely.

• 1:21:13Caleb Hammer?

  Before it comes up. But also, it was literally like just a few weeks ago, you guys had a massive blow up and you almost left him because he did not pay bills on time.

• 1:21:20Speaker 03

  Yeah.

• 1:21:20Caleb Hammer?

  So, don't put this payment in my column, [bleep] you. What do you mean? This just happened. Well, you try to... You try to live way too positive for something that we just need to be objective on.

• 1:21:30Speaker 03

  That is so funny for you to say.

• 1:21:31Caleb Hammer?

  I'm not saying...

• 1:21:31Speaker 03

  Nobody ever says that about me.

• 1:21:32Caleb Hammer?

  But you are about your finances. You are putting your head in the sand.

• 1:21:35Speaker 03

  Because I know it's gonna be okay.

• 1:21:36Caleb Hammer?

  Like this layoff you're not thinking about... Except this is how this works. People lose their houses every day. People go through bankruptcy every day. This is not how it works. People go hungry every day.

• 1:21:43Speaker 03

  Yeah. My grandma actually used to get mad at me because like when I was in college, I would... No, I would just like not eat and I would just pay my bills and she was like, "You need to eat." And I was like, "Yeah, but I have to pay bills first." And she hated that about me.

• 1:21:56Caleb Hammer?

  Uh, promo balance of 34%. Oh, oh...

• 1:22:01Speaker 03

  When does that end? I don't actually look at these things. I just sent them your way.

• 1:22:06Caleb Hammer?

  Two days ago.

• 1:22:07Speaker 03

  Uh-oh, babe.

• 1:22:11Caleb Hammer?

  You didn't give a [bleep]. Look at the balance was small, which added... It's on your credit, you dumb [bleep].

• 1:22:18Speaker 03

  Oh...

• 1:22:19Caleb Hammer?

  What is wrong with you?

• 1:22:20Speaker 03

  But I don't pay any attention to it because like that's not me.

• 1:22:22Caleb Hammer?

  But it's on your [bleep]. It's so stupid. You owe this if he does not pay.

• 1:22:27Speaker 03

  Yeah.

• 1:22:28Caleb Hammer?

  Or you're [bleeped].

• 1:22:29Speaker 03

  Yeah.

• 1:22:30Caleb Hammer?

  So what are you talking about? I swear, you're being so stupid for no reason. I'm so sorry. Oh, [bleep] student loans for what degree in women's studies did you get?

• 1:22:39Speaker 03

  I got a BS in business management.

• 1:22:42Caleb Hammer?

  Okay, didn't see that one coming.

• 1:22:43Speaker 03

  Why? Because I have yellow hair?

• 1:22:47Caleb Hammer?

  Yes, correct.

• 1:22:48Speaker 03

  I actually was gonna go into, I started with microbiology and then I fucking hated it.

• 1:22:54Caleb Hammer?

  Oh yeah.

• 1:22:55Speaker 03

  So I

• 1:22:56Caleb Hammer?

  You betcha.

• 1:22:57Speaker 03

  Yeah.

• 1:22:58Caleb Hammer?

  You betcha.

• 1:22:58Speaker 03

  That's a lovely stack of.

• 1:23:00Caleb Hammer?

  Student loans.

• 1:23:00Speaker 03

  Yeah.

• 1:23:01Caleb Hammer?

  So you graduated?

• 1:23:03Speaker 03

  Yeah, June last year.

• 1:23:05Caleb Hammer?

  Okay, student, oh, June last year?

• 1:23:07Speaker 03

  Mm-hmm.

• 1:23:07Caleb Hammer?

  So are your payments started?

• 1:23:10Speaker 03

  So I did set up my like payments, it's on the like pay as you earn or whatever type.

• 1:23:16Caleb Hammer?

  That's not great, that ramps hard.

• 1:23:18Speaker 03

  Um, no, my payment's zero dollars, so I just don't pay anything.

• 1:23:21Caleb Hammer?

  Now it ramps hard.

• 1:23:22Speaker 03

  Okay, well, right now I don't have to pay anything, so.

• 1:23:24Caleb Hammer?

  No shit, you, oh my gosh, you're not smart.

• 1:23:28Speaker 03

  I don't, I don't understand how it works, nobody, I, I mean, I didn't ask questions.

• 1:23:31Caleb Hammer?

  The moment you file tax return and it shows you start making money, that shit just goes brrr.

• 1:23:35Speaker 03

  I didn't ask questions about how any of this works.

• 1:23:38Caleb Hammer?

  You never advocate for yourself in any way whatsoever.

• 1:23:40Speaker 03

  I'm taking accountability, I didn't ask any questions about it, I just kinda like did it and I was like, okay, well hopefully this is right.

• 1:23:46Caleb Hammer?

  Uh-huh.

• 1:23:47Speaker 03

  So what's bad about that?

• 1:23:48Caleb Hammer?

  What, bad about that? The moment your tax return shows you start making some more money, they're gonna ramp those payments up.

• 1:23:53Speaker 03

  I already set it up for the amount of money that I make.

• 1:23:56Caleb Hammer?

  Are you gonna make more at some point?

• 1:23:58Speaker 03

  I mean, yeah.

• 1:23:58Caleb Hammer?

  What money do you say you make, just your salary, not your extra thirty-three percent income?

• 1:24:02Speaker 03

  I

• 1:24:02Caleb Hammer?

  There it is, there's that smile, uh-huh, we all saw that. Shut the Do you even pay taxes on those?

• 1:24:07Speaker 03

  No.

• 1:24:08Caleb Hammer?

  Well, IRS, here they is.

• 1:24:10Speaker 03

  No, I don't.

• 1:24:14Speaker 03

  Why would I?

• 1:24:16Caleb Hammer?

  This is money you made.

• 1:24:17Speaker 03

  No, because my tax money doesn't go towards anything that I actually support. So why would I pay?

• 1:24:22Caleb Hammer?

  The tax bracket you're in contributes less than like one percent to the overall taxes.

• 1:24:26Speaker 03

  Okay, but that's

• 1:24:27Caleb Hammer?

  So you should still contribute because you're more of a taker than a giver.

• 1:24:29Speaker 03

  How?

• 1:24:30Caleb Hammer?

  Well, because you probably get a tax refund.

• 1:24:32Speaker 03

  No.

• 1:24:33Caleb Hammer?

  Yes.

• 1:24:34Speaker 03

  I did, I have in the past, but not anymore.

• 1:24:36Caleb Hammer?

  We're paying you for your student loans, they're at a zero dollar payment.

• 1:24:38Speaker 03

  Yeah.

• 1:24:39Caleb Hammer?

  You're gonna take advantage of social things throughout your life, social programs, absolutely, look at you.

• 1:24:43Speaker 03

  I mean, I have, like, I grew up in poverty, so.

• 1:24:47Caleb Hammer?

  So you're taking more than a giver.

• 1:24:49Speaker 03

  Well.

• 1:24:50Caleb Hammer?

  And now you're not willing to contribute back? Now that you're making money, what's wrong with you?

• 1:24:54Speaker 03

  Not if the money's not actually going towards those things.

• 1:24:57Caleb Hammer?

  Millions of dollars a year, you say it doesn't, what do you mean? Social spending is by far the largest.

• 1:25:01Speaker 03

  They've cut funding.

• 1:25:03Caleb Hammer?

  Social spending is by far the largest percentages of spending in this country.

• 1:25:07Speaker 03

  Mm-mm.

• 1:25:08Caleb Hammer?

  Well, yeah, so you're

• 1:25:11Speaker 03

  No.

• 1:25:12Caleb Hammer?

  Are you, are you actually stupid?

• 1:25:14Speaker 03

  No.

• 1:25:15Caleb Hammer?

  Is this what your degree in, well, actually, no, you got a real degree. So I'm confused how you're.

• 1:25:19Speaker 03

  I got a real degree.

• 1:25:20Caleb Hammer?

  I'm actually confused how you are a moron. That doesn't make any sense.

• 1:25:25Speaker 03

  No, because like they're trying to cut spending on all of the actual like social services and stuff that our government offers, especially in the state of Missouri.

• 1:25:35Caleb Hammer?

  Because we spend 20% more than we bring in. And that's our largest category of spending.

• 1:25:42Speaker 03

  What are you on? What are you looking at?

• 1:25:44Caleb Hammer?

  I'm telling you the percentages.

• 1:25:46Speaker 03

  Okay, well, you can tell me the percentages, but I'm from Missouri, so that's the show me state. So you have to show me what you're talking about.

• 1:25:51Caleb Hammer?

  I can show you the percentages.

• 1:25:53Speaker 03

  Okay.

• 1:25:53Caleb Hammer?

  So social security, 23%. Medicare, some of the stuff you're talking about, 14%. Medicaid and other health things like you're talking about, 12 to 13%. Net interest on debt, why they want to cut spending because their debt keeps going up. Net interest on debt alone is 14% of our spending. Discretionary spending, national defense, below that at 13%. Non-defense program discretionary, 8 to 9%. 2025, this year. Mandatory spending, unemployment, SNAP, social security assistance, 7%. No shit, they're trying to cut the largest spending by far. Are you surprised? You kidding me? We've seen people abuse it on this show. You're not even paying your taxes. No shit, they're gonna cut.

• 1:26:39Speaker 03

  I do pay my taxes, just not that part.

• 1:26:41Caleb Hammer?

  Not 33%?

• 1:26:42Speaker 03

  Yeah, just not that part.

• 1:26:44Caleb Hammer?

  What is wrong with you?

• 1:26:45Speaker 03

  I only, that's only during the school year, so it's only nine months out of the year. So it's not like as much as.

• 1:26:51Caleb Hammer?

  What is wrong with you? $452 in your checking account. Oh, it's all bullshit.

• 1:26:57Speaker 03

  Oh, no. Sorry.

• 1:27:00Caleb Hammer?

  Do you give a shit?

• 1:27:01Speaker 03

  I do. I just like, see, I do budget every, every week.

• 1:27:06Caleb Hammer?

  You spend more than you make.

• 1:27:08Speaker 03

  Every week on Sunday, I go through my like checking account and I write down, I forgot to bring my planner.

• 1:27:14Caleb Hammer?

  You didn't even pay your taxes two years ago and grandma had to bail you out.

• 1:27:18Speaker 03

  I did pay my taxes. I didn't file them because I was having like a major mental health crisis and so I.

• 1:27:23Caleb Hammer?

  Every five seconds of your life, apparently. Like, are you gonna make it?

• 1:27:26Speaker 03

  I was unmedicated for the majority of my life until like four years ago, almost.

• 1:27:32Caleb Hammer?

  Okay, well, this was.

• 1:27:33Speaker 03

  So yeah.

• 1:27:34Caleb Hammer?

  Well, until four years ago, this was a couple of years ago. This was two years ago.

• 1:27:38Speaker 03

  Yeah, and that's what I'm saying. This was before I got sober.

• 1:27:41Caleb Hammer?

  No, you said medicated four years ago. Sober, you've been sober for four years.

• 1:27:45Speaker 03

  Since, no, since 2020, since August 14th, 2022.

• 1:27:49Caleb Hammer?

  Yes, this was before then.

• 1:27:51Speaker 03

  That's what I'm saying.

• 1:27:52Caleb Hammer?

  Or after then.

• 1:27:53Speaker 03

  No, it wasn't. I didn't pay.

• 1:27:55Caleb Hammer?

  The date according to you from the interview.

• 1:27:56Speaker 03

  It was 2021 taxes.

• 1:27:58Caleb Hammer?

  Ah, paid in 2022.

• 1:27:59Speaker 03

  Yes.

• 1:28:00Caleb Hammer?

  Okay. Listen.

• 1:28:02Speaker 03

  And my CPA even was like.

• 1:28:03Caleb Hammer?

  But it's probably bullshit. Two dollars and 26 cents.

• 1:28:06Speaker 03

  No, those are my crickets.

• 1:28:07Caleb Hammer?

  Klarna, Sheen.

• 1:28:08Speaker 03

  Those are my crickets.

• 1:28:08Caleb Hammer?

  For what?

• 1:28:09Speaker 03

  I have geckos.

• 1:28:10Caleb Hammer?

  Sheen, DoorDash.

• 1:28:13Speaker 03

  Which one from?

• 1:28:14Caleb Hammer?

  Hulu.

• 1:28:15Speaker 03

  I don't pay Hulu anymore.

• 1:28:16Caleb Hammer?

  Good Time Smoke.

• 1:28:17Speaker 03

  Yeah.

• 1:28:18Caleb Hammer?

  Lake Recovery, there it is. Hundred fifty dollars. So a hundred fifty dollars for how long?

• 1:28:22Speaker 03

  Um.

• 1:28:22Caleb Hammer?

  So this is a debt.

• 1:28:23Speaker 03

  January is my last month of paying it.

• 1:28:26Caleb Hammer?

  Okay, then I'm not gonna put it down, but, well, actually, that is something at the, no, it's this next one, so I'm not gonna put it down.

• 1:28:31Speaker 03

  Yeah.

• 1:28:32Caleb Hammer?

  We're just gonna keep it in the back of our head. Amazon, Amazon, Petco again, Hot Topic, surprise, surprise, pull up your Amazon. DoorDash.

• 1:28:40Speaker 03

  No, no, no, no.

• 1:28:41Caleb Hammer?

  Schnuckets, Amazon, Amazon.

• 1:28:43Speaker 03

  That's groceries.

• 1:28:44Caleb Hammer?

  Uh, for seven dollars eighty-one cents?

• 1:28:46Speaker 03

  Yes.

• 1:28:47Caleb Hammer?

  Okay. Cryomia, Instant Ink, Hilton, traveling, fuck you, Scooter's Coffee, Portillo's.

• 1:28:55Speaker 03

  Oh, yeah, yeah, that was one of them in Chicago.

• 1:28:58Caleb Hammer?

  Costco, McDonald's, Exotic Vapors.

• 1:29:00Speaker 03

  We were in Chicago.

• 1:29:02Caleb Hammer?

  Levy, Pest Smart again, crickets, no more that time. Kindle, Klarna, go to the library, you fuck, McDonald's.

• 1:29:07Speaker 03

  I can't.

• 1:29:08Caleb Hammer?

  Totally T, Panda Express, Amazon, Zoomy, Schnuckets.

• 1:29:12Speaker 03

  Yep. Schnucks.

• 1:29:14Caleb Hammer?

  Schnucks. Pull up your Amazon, you fuck.

• 1:29:15Speaker 03

  I did.

• 1:29:17Caleb Hammer?

  Give.

• 1:29:17Speaker 03

  Here.

• 1:29:18Caleb Hammer?

  You got one thing in your car. Let's see, what do we got? A picture frame, eleven by fourteen.

• 1:29:25Speaker 03

  This first Christmas gift.

• 1:29:26Caleb Hammer?

  Okay, well, this is coming out after Christmas, and I won't tell you. Uh, socks, screen protector, fit sink spray attachment, winter hat gloves, tho- those are okay.

• 1:29:36Speaker 03

  It's freezing right now.

• 1:29:38Caleb Hammer?

  Thermal shirts, maxi feminine pads.

• 1:29:40Speaker 03

  Those are for my mom.

• 1:29:41Caleb Hammer?

  That's... Oh, okay, I was gonna say.

• 1:29:43Speaker 03

  I order them for her, cuz she doesn't have Amazon.

• 1:29:44Caleb Hammer?

  Cause we know you don't got one.

• 1:29:46Speaker 03

  I don't. I don't have what?

• 1:29:48Caleb Hammer?

  You're moving away from vagina land?

• 1:29:49Speaker 03

  No, I'm keeping my vagina.

• 1:29:51Caleb Hammer?

  You are?

• 1:29:52Speaker 03

  I just wish I didn't have a uterus, because my constantly... I, my gynecologist doesn't wanna do that because of the hormone replacement, cuz I'd have to an estrogen for the rest of my life.

• 1:30:01Caleb Hammer?

  And we know you don't want that.

• 1:30:02Speaker 03

  No.

• 1:30:05Caleb Hammer?

  Okay, uh, drying lotion, that's an odd.

• 1:30:08Speaker 03

  What is it? Oh, that's for my pimples.

• 1:30:11Caleb Hammer?

  Sheer tides, brightening clearing stuff, wispy lash clusters, more lash bonds, Boom Nutrition, Superfood Greens.

• 1:30:20Speaker 03

  Yeah, I love those. I love my greens. Those are for him. Do, do I see?

• 1:30:25Caleb Hammer?

  Is he gay?

• 1:30:26Speaker 03

  Huh?

• 1:30:26Caleb Hammer?

  Is he gay?

• 1:30:27Speaker 03

  No, unfortunately.

• 1:30:28Caleb Hammer?

  Is he bi?

• 1:30:29Speaker 03

  No, unfortunately, yeah.

• 1:30:31Caleb Hammer?

  Doesn't make sense. Nose studs.

• 1:30:32Speaker 03

  I call him straight adjacent, though, because I'm non-binary, so he can't be like straight.

• 1:30:38Caleb Hammer?

  Palatric things, and, okay, there's a lot of bullshit in here, a lot of things you don't need, and then some things that are okay. Like, all this shit on curtains for days.

• 1:30:46Speaker 03

  We have to.

• 1:30:47Caleb Hammer?

  Comfeder sets, and lots of screen protectors, and, uh, eyeglass cleaners, like, we don't really need it.

• 1:30:52Speaker 03

  That's not me.

• 1:30:53Caleb Hammer?

  Breaking his what?

• 1:30:53Speaker 03

  His screen protectors.

• 1:30:55Caleb Hammer?

  What is wrong with him?

• 1:30:56Speaker 03

  I don't know. He drops his phone all the time.

• 1:30:58Caleb Hammer?

  Alright, let's budget.

• 1:30:59Speaker 03

  Okay. Oh, I don't even think he saw my savings account.

• 1:31:03Caleb Hammer?

  Where is it?

• 1:31:04Speaker 03

  Uh, well, it's gone now, but, um...

• 1:31:05Caleb Hammer?

  Okay.

• 1:31:09Speaker 03

  I used it to, um, that, that lovely credit card that's at like 8,000, I, I put it towards that.

• 1:31:15Caleb Hammer?

  Okay, well, I wouldn't do that until you change your behavior.

• 1:31:17Speaker 03

  Because I want my boob job, so I was gonna pay that off so that I can put my boobs on there.

• 1:31:21Caleb Hammer?

  No, there's actually more than that. Two thousand hours dropped on a PC just to play Sims.

• 1:31:27Speaker 03

  Not-

• 1:31:27Caleb Hammer?

  We'll talk more about that in the post-show. Hold it.

• 1:31:30Speaker 03

  Okay.

• 1:31:31Caleb Hammer?

  Because we're about to go into that. But, okay, I'm gonna save four thousand hours of your income. Let's get you a minimum two payments. Outside of that one fifty you owe for the rehab, because that's about to leave-

• 1:31:38Speaker 03

  Okay.

• 1:31:39Caleb Hammer?

  -in a month. Just keep it in the back of your head. And taking away his twenty-nine dollar payment. Student loans are zero for now, though. Ramp up. Actually, per your taxes, we'll see minimum two payments, in which you need required to pay off the care card before that accrues. One thousand five hundred eighty dollars. Okay, your portion of rent, how much?

• 1:31:53Speaker 03

  Seven twenty-five.

• 1:31:54Caleb Hammer?

  Utilities, including internet?

• 1:31:56Speaker 03

  Um, roughly two hundred.

• 1:31:58Caleb Hammer?

  Gas, room from drive-drive?

• 1:32:00Speaker 03

  Zero.

• 1:32:01Caleb Hammer?

  Oh, because grandma. Car insurance?

• 1:32:03Speaker 03

  Uh, one seventy.

• 1:32:05Caleb Hammer?

  Phone bill?

• 1:32:07Speaker 03

  Seventy-three.

• 1:32:08Caleb Hammer?

  That's pretty good. If you want to get a lower, and T-Mobile's getting in your area, I would do-

• 1:32:12Speaker 03

  I have the upgrade any time you want plan, so I get the new iPhone every year.

• 1:32:16Caleb Hammer?

  Okay, three hundred dollars for the groceries. That's what you can contribute.

• 1:32:19Speaker 03

  Mm-hmm.

• 1:32:19Caleb Hammer?

  Use the meal plan.

• 1:32:20Speaker 03

  Mm-hmm.

• 1:32:21Caleb Hammer?

  Use the cookbook. You get it all. TP fund. Anything else you need to survive, one fifty. You need a little extra help.

• 1:32:26Speaker 03

  Okay.

• 1:32:26Caleb Hammer?

  So. Okay, medical, healthcare. Copays on a monthly basis, medications, all that good stuff?

• 1:32:30Speaker 03

  Medicines are eighty. Um, my psychiatrist is seventy-five.

• 1:32:36Caleb Hammer?

  Per session or per month?

• 1:32:38Speaker 03

  Per-

• 1:32:39Speaker 04

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• 1:33:08Speaker 03

  Month and I would toss on another 75 just because I'm seeing an ENT right now about getting a septoplasty for my septum.

• 1:33:15Caleb Hammer?

  Yeah, you got a small nose.

• 1:33:17Speaker 03

  Yeah.

• 1:33:18Caleb Hammer?

  Narrow nose. $230 for medical. Do you have a gym?

• 1:33:22Speaker 03

  Uh, 17.

• 1:33:25Caleb Hammer?

  Okay, what, what pets do you have?

• 1:33:27Speaker 03

  I have two dogs. Yes, they have pet insurance.

• 1:33:31Caleb Hammer?

  How much?

• 1:33:32Speaker 03

  Um, it averages.

• 1:33:33Caleb Hammer?

  What's your pet insurance across the board?

• 1:33:35Speaker 03

  Um, 80 because we split it.

• 1:33:37Caleb Hammer?

  Okay, 80 bucks subscriptions. I'll try to put in about 40. Anything else?

• 1:33:42Speaker 03

  I actually don't have, I cancel all my subscriptions except for my, except for my music.

• 1:33:49Caleb Hammer?

  Exactly. So there you go.

• 1:33:50Speaker 03

  Whatever.

• 1:33:52Caleb Hammer?

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

• 1:33:54Speaker 03

  Um, dog food.

• 1:33:56Caleb Hammer?

  Yes. How much for pet food?

• 1:33:57Speaker 03

  Um, I would toss in another, I would just say like 250 for pets altogether.

• 1:34:06Caleb Hammer?

  Like food and pet insurance?

• 1:34:08Speaker 03

  Yeah, yeah.

• 1:34:08Caleb Hammer?

  Okay, I'll cross off.

• 1:34:09Speaker 03

  It's easier for me to like calculate it that way.

• 1:34:11Caleb Hammer?

  Well, but that's not how you're supposed to do it.

• 1:34:12Speaker 03

  Well, mm hmm.

• 1:34:14Caleb Hammer?

  For the sake of getting this thing wrapped up.

• 1:34:16Speaker 03

  And I think, I think that's it.

• 1:34:20Caleb Hammer?

  Okay, yeah. So $3,735. If you make 4,000 hours a month, which by the way, you only, you made less than that this last month. So no, you, you made 11 hours more across both your jobs. Without setting aside money for taxes, you made 11 hours more than you brought, than you needed to survive. And that's not including your 150 dollars that needs to go to the rehab. So, go.

• 1:34:42Speaker 03

  And that's why I use my credit card sometimes.

• 1:34:43Caleb Hammer?

  $265 is what's needed to survive. Listen, in order to pay off all this debt, or that's what you have left over, in order to pay off the debt, $74,423.83 divided by 265, it takes 280 months to pay off or 23 years. So that doesn't make any sense. This is the reality. One, you guys might want to downgrade your living situation the best you can. Next, please.

• 1:35:05Speaker 03

  Try it.

• 1:35:06Caleb Hammer?

  Uh, and you just need to get a new job. We need to just get into a better paying job. Even getting to 50,000 dollars is a big game changer. So get up to 55, start moving up to 65, you know, that you're not going to get that rid of. Hopefully it'll get you from. Place where you are now to 55 so you your your full time job is to get a better job so we can funnel all this extra money to pay off the debt because we could probably take care of this debt student loans minimum payments until they're paid off that's fine but we could pay off the rest of the debt in a few year in a couple of years get a fully funded emergency fund and then get your tits do not do them now you're gonna lose a thousand this doesn't make sense now it's not in the strategy and again they're good they're nice we like them they're fine okay um I'm sure he does too has he ever said anything

• 1:35:42Speaker 03

  no he actually is very against the idea of me getting a boot job

• 1:35:46Caleb Hammer?

  listen you guys will never see them you have not seen them well I hope they don't see them because I don't want you to start to off again but they are actually very nice I understand why he's saying that you're just doing it for you yeah don't until you want until you can which is in a few years but go focus on a better paying job right now that can be a reward after paying off all your bad debt and get it fully funded emergency fund

• 1:36:06Speaker 03

  I do like rewards

• 1:36:07Caleb Hammer?

  so there you go save that save that that's the game plan uh we're let me give the hammer financial score then we're gonna go into the post show we're gonna bring the boyfriend in look at the resume talk about this 2000 our game PC I guess

• 1:36:19Speaker 03

  I do have that

• 1:36:19Caleb Hammer?

  yeah exactly you probably have it

• 1:36:20Speaker 03

  I think I have it

• 1:36:21Caleb Hammer?

  and we'll figure out I'm sure there's drama between them I'll find some text messages um spending in a budget you overspent zero out of 10 debt no collections it's not great for your income the key is certainly underwater the worst of the worst of the worst well actually you're overdrafting via your credit card two out of 10 I'll do though emergency fund there was nothing in savings you just drained it zero out of 10 retirement uh what was the total five 5000

• 1:36:46Speaker 03

  oh my investments yeah

• 1:36:47Caleb Hammer?

  yeah about a two out of 10 for your age

• 1:36:50Speaker 03

  I didn't necessarily count that as for

• 1:36:51Caleb Hammer?

  hammer financial score rounded up to one one out of 10 ladies and gentlemen click that join button three premium shows posted every single day Monday through Saturday six days a week now upgraded best membership number one on YouTube for a reason it's gonna be a great extra 20 minutes I'll see you there

• 1:37:06Speaker 03

  I I have a little tidbit that I didn't share with you

• 1:37:10Caleb Hammer?

  nothing we know no oh oh I don't even know

• 1:37:12Speaker 03

  so you know how we talked about how we had that big issue with like paying utilities to me on time yes so I actually audio recorded that conversation that we had

• 1:37:23Speaker 07

  Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.

• 1:37:41Speaker 01

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