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Transcript 19,297 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 I don't know what I'm doing. Need a break. Forget it, I quit.
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1:00 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. You [bleep] best friend.
1:04 Speaker 05 It was a threesome!
1:05 Caleb Hammer? Oh my god.
1:06 Speaker 02 No, that's not what it was.
1:07 Caleb Hammer? We cheating again?
1:08 Speaker 05 We'll see.
1:09 Caleb Hammer? I'm not surprised. Look where you are. You're a joke. You're an embarrassment.
1:12 Speaker 05 That's why I'm here, right?
1:13 Caleb Hammer? You cheat on people. That's why you're here.
1:15 Speaker 02 This is what I deal with.
1:15 Speaker 05 So let's talk about the manager at McDonald's.
1:18 Speaker 02 Too hot. I slept with my manager.
1:20 Caleb Hammer? Oh my!
1:21 Speaker 02 Yeah.
1:21 Caleb Hammer? [bleep] you guys are massive. You guys [bleep] like each other? Download my new simpler budget app today and take control of your money once and for all.
1:33 Speaker 02 My name is Sierra. I'm 31.
1:35 Speaker 05 And I am Jordan, and I'm 24, and we live in Addison, Texas.
1:38 Speaker 02 And this is Financial Audit.
1:41 Caleb Hammer? Hey, thanks for coming down from Addison, a place I've never heard of, but that's okay. Uh, let's start with you. What do you do for... well, first of all, are we married?
1:50 Speaker 02 No.
1:50 Speaker 05 Working on it, yeah.
1:52 Caleb Hammer? Oh, okay. Yeah, I was like getting some vibes. I was like, wait, are we married? And I didn't even know, so I had to ask. Okay, when did we get engaged?
2:00 Speaker 05 Back in August.
2:03 Caleb Hammer? What?
2:03 Speaker 05 The, the end of August. It was the 29th.
2:06 Caleb Hammer? So we're trying to get into this marriage situation with, you know, good financial foothold? I like that. That's good. So when are we getting married?
2:14 Speaker 05 We're trying to do April 12th.
2:16 Caleb Hammer? Trying?
2:17 Speaker 05 Yeah.
2:17 Caleb Hammer? What is trying?
2:20 Speaker 02 We kind of announced it and then I kind of like took it back just because we're not really sure what we want to do.
2:26 Caleb Hammer? Like for the wedding, is that what you're saying?
2:28 Speaker 02 Like I want to just go down to the court. I've been married before and I got divorced.
2:31 Caleb Hammer? You've been married before?
2:32 Speaker 02 Yeah, so I would rather just-
2:33 Caleb Hammer? You're thirty one, okay, you've had a bit more time.
2:35 Speaker 02 Yeah, well.
2:37 Caleb Hammer? A bit more time, well than a twenty four year old.
2:39 Speaker 02 Yeah, yeah.
2:40 Caleb Hammer? I'm almost thirty, we're in the same boat. Listen, I haven't gone through a divorce or marriage in thirty, so I get it.
2:45 Speaker 02 Well, the divorce part, the marriage is fine.
2:47 Caleb Hammer? The divorce, wait, when did you guys get together?
2:50 Speaker 02 Uh, it'll be three years we've been together in March.
2:53 Caleb Hammer? Three years, okay, when were you married?
2:55 Speaker 02 Uh, see, that's like a blur because it wasn't a good marriage, so like-
2:59 Caleb Hammer? It wasn't a good marriage?
3:00 Speaker 02 No, um, it was around two thousand seventeen when I had my son.
3:05 Caleb Hammer? It's your son. Wait, was it a dude or a chick?
3:09 Speaker 02 It was a dude.
3:10 Caleb Hammer? Oh, you were married to a guy?
3:11 Speaker 02 Yeah, unfortunately, yeah.
3:13 Caleb Hammer? Unfortunately?
3:13 Speaker 02 Yeah. Clearly, I don't like men, but-
3:17 Caleb Hammer? We realized the helmet of the hood wasn't the way to go, okay, that's fair. All right, well, okay, well, okay, I'm curious about that. We'll dive into your guys' backstory. First, I just, let's start with you, Sierra. What do you do for a living?
3:30 Speaker 02 I am a leasing manager.
3:32 Caleb Hammer? Okay, for like an apartment?
3:33 Speaker 02 Yeah, for apartments.
3:34 Caleb Hammer? What do you make?
3:35 Speaker 02 Um, I just got a raise, so twenty dollars an hour.
3:38 Caleb Hammer? How many hours a week are we working?
3:39 Speaker 02 Forty.
3:40 Caleb Hammer? Paid time off?
3:41 Speaker 02 No.
3:41 Caleb Hammer? Okay, so how many weeks should we essentially, what's your take home on a monthly basis, just normally?
3:45 Speaker 02 Um, around thirty one hundred.
3:47 Caleb Hammer? Okay, thirty one, is this close to a major metro? Is this in a major metro?
3:53 Speaker 02 It's up by Dallas.
3:54 Speaker 05 Yeah.
3:54 Caleb Hammer? So it's by Dallas, okay, so the cost of living's a little on the upper for the Texas area, but, and what do you do for a living?
4:00 Speaker 05 Uh, I work at a warehouse.
4:02 Caleb Hammer? Okay, what do you, what do you make?
4:03 Speaker 05 Currently, right now, um, I'm making seventeen fifty.
4:08 Caleb Hammer? Okay, how many hours?
4:10 Speaker 05 Uh, forty as well.
4:11 Caleb Hammer? All right, what do you do at the warehouse?
4:13 Speaker 05 Um, it, it depends on the day. I, I either pick or I ship or I help do coordinator stuff. I'm kind of all over the place.
4:21 Caleb Hammer? Okay, so the masculine does manual labor?
4:24 Speaker 05 Yeah.
4:25 Caleb Hammer? Okay, this is a bit racist, guys, I'll be honest, but very good. What hits your account on a monthly basis?
4:33 Speaker 05 Um, that's a good question.
4:35 Speaker 02 It is a good question, huh?
4:36 Speaker 05 Yeah.
4:37 Caleb Hammer? How's that a good question? What do you mean? And then what are you saying? What is that?
4:40 Speaker 02 She doesn't know. Um.
4:44 Caleb Hammer? You're gonna get married with someone who doesn't know their income? Do you know her income? You're getting married. You've been together for three years.
4:52 Speaker 02 Yeah, it's around like two thousand.
4:56 Speaker 02 Yeah, that sounds about right.
4:57 Caleb Hammer? How do you not know?
4:59 Speaker 02 Um, I kinda just, you know, just hope for the best, pay bills and.
5:04 Caleb Hammer? What is the dynamic here? I feel like, oh, well, we're gigglers. Okay, that's fine. I get it.
5:11 Speaker 02 I have like budget templates and I watch, I try to keep up with the budget and focus on finances and know how much I have come in.
5:17 Caleb Hammer? Okay.
5:18 Speaker 02 And kinda plan my paycheck so I know where it's going. She just kind of, I tell her what I need and she gives it to me, if she can give it to me.
5:25 Caleb Hammer? Okay, I see. So one person financially educated, wanting to do well and the other, what would you say?
5:33 Speaker 02 Um, look, I'm just taking off the training wheels and learning how to.
5:38 Caleb Hammer? Why?
5:38 Speaker 02 I don't know, I was just.
5:41 Caleb Hammer? How long have you been making money?
5:42 Speaker 02 Um, since I was sixteen.
5:46 Caleb Hammer? So what's going on? Why is it taking, why are you making off the training wheels eight years later?
5:51 Speaker 02 Um, I just don't know how to use a budget.
5:56 Caleb Hammer? Never looked up a YouTube video?
5:59 Speaker 02 No.
5:59 Caleb Hammer? And that's okay. Honestly, that's what, that's why we put together our budgeting program, because there's like a billion pieces of information out there. It's hard to wade through what's actually right. You know, everyone does it in a different way. Okay, so obviously go through that class together. So you guys are on the same page. Are we on the same page related to finances? I mean, you could be an anchor in the relationship depending if we're headed into the marriage like this.
6:22 Caleb Hammer? Ooh, are we on the same pages with at least understanding our goals, what our finances are?
6:27 Speaker 02 Yeah, we talk about our goals.
6:28 Caleb Hammer? And?
6:29 Speaker 02 I stick to them. I don't know about her, because we don't share a bank account, so I really don't know.
6:32 Caleb Hammer? Are you guys ready for marriage if we're, okay, okay.
6:36 Speaker 02 That's why I said we're gonna have a long engagement.
6:37 Caleb Hammer? You already had a marriage end.
6:39 Speaker 02 Yeah.
6:40 Caleb Hammer? Should we really be going into a marriage if?
6:46 Caleb Hammer? Doesn't it sound like you guys already, at least from the financial communication sake?
6:49 Speaker 02 Financials, no. That's part of the reason too. That's why we don't have a joint bank account and I'm not getting one. Until
6:55 Caleb Hammer? Why?
6:56 Speaker 02 She figures it out.
6:57 Caleb Hammer? Okay, how's she gonna figure it out? Okay, I need information here. Describe what is happening.
7:02 Speaker 02 Well, if I, if I have a joint bank account, all my money's in that account and I know what needs to be in there and what's coming out and she doesn't. She could just like spend too much and then we're like back in the same predicament of not having money.
7:12 Caleb Hammer? Why aren't we sitting down and talking about it then? Going through transactions, understanding where things are and then deciding together where we want to be on them. Okay, so what's the issue?
7:21 Speaker 05 I just have stuff that randomly comes out.
7:25 Caleb Hammer? Like what?
7:26 Speaker 05 Um.
7:26 Caleb Hammer? What is the stuff that randomly comes out?
7:29 Speaker 05 So it's either my Apple storage or
7:34 Caleb Hammer? Okay, why is it not in the budget then? We can put it in the budget.
7:37 Speaker 02 Which we do. She just never knows the date.
7:39 Caleb Hammer? Oh, then that's not random stuff.
7:40 Speaker 02 Yeah, she never knows the date.
7:41 Caleb Hammer? Well, you do if you look, if you guys sit down. We don't need to, don't need to rage. Only five minutes in. If
7:49 Caleb Hammer? if we are sitting down and looking at our last month, we would know the date. If we sit down and do it, you say you sit down and do it. Obviously not. If we don't know that, what do you, what do you mean?
8:01 Speaker 02 I've made her a calendar. I've made her a Notion template. I've made her a Google Sheets template. I made her a bunch of things.
8:07 Caleb Hammer? Alright, before, we will not allow you guys, I mean legally we will, but we will not allow you guys to leave this place and tell you guys, download the simpler budget app, the one we created. You guys will create an account. Eventually we'll have shared accounts, but you guys will create a single account under an email. You guys are gonna start budgeting this and seeing what your household looks like, okay? And you guys get obviously the premium version for free forever as guests, so make sure you go through all the education, automatic account connections, all that good stuff. Work with the financial professionals that are in there. Do all the good stuff. You don't leave until you do that. If we can't even sit down and random stuff, what's random stuff? You would see that in this. Why have you never just used the budgeting app? You would see it. You would see, it would tell you. It would tell you.
8:53 Speaker 05 Well.
8:54 Caleb Hammer? No answer for that. Why haven't you put in a step, just an effort? It sounds like your fiance has built out, has built out templates for you to use, had built out resources for you to use. Why have you never tried?
9:12 Speaker 05 Um, I feel like my issue is either I'm just lazy or I just don't.
9:18 Caleb Hammer? What?
9:18 Speaker 05 Like.
9:19 Speaker 02 Not you saying lazy, you just. I just think it's because of how she grew up a little bit. Like my, I was, my mom was a single mom. It was just me, luckily for her versus multiple kids, but it was just me and her and she figured it out. So I kind of saw the struggle, but she came from like a two parent household in a nice house. They have a business. I think they're good with money and they would always go on vacations to Vegas and here and there. And she would just, she spent like 80 bucks on a pair of pants in Vegas and she was okay with that.
9:47 Speaker 02 So I just think her lifestyle.
9:48 Caleb Hammer? Was it in the budget? Again, if we budgeted.
9:51 Speaker 02 This was back when she was with her parents.
9:52 Caleb Hammer? Do you have all this debt? Cause there's a lot of debt here and there's lots of stupid debt, like almost like micro little payday loans. Is this just you?
9:59 Speaker 02 No.
10:00 Caleb Hammer? Oh, then what the, who, what, what kind of moral high horse are you on? Thirty one, if you have this kind of debt, this, none of this is good debt. This is all you destructive, end of the world debt. So.
10:14 Caleb Hammer? What are we talking about here? Why, why are you positioning yourself as this moral? Figurehead?
10:20 Speaker 02 Because I'm older and plus all her debt is.
10:23 Caleb Hammer? Wouldn't you being older and having stupid debt be even worse than someone young figuring out for the first time and having stupid debt?
10:29 Speaker 02 No, because some of my debt has come from her since we've been together.
10:32 Caleb Hammer? Whoa, wow. Okay. Like what? What does that mean? We're not, okay. Why, why do you not think so?
10:38 Speaker 05 Um, cause she decides to use all these apps.
10:44 Speaker 02 And she uses earning, she uses.
10:47 Caleb Hammer? And you put yourself on that high horse.
10:51 Speaker 02 I can pay my rent. She cannot cover her rent. I'm borrowing money to cover bills. Earning like every app. Our rent is not cheap. Our rent is not cheap.
11:01 Caleb Hammer? What's your rent?
11:02 Speaker 02 It's eighteen fifty.
11:03 Caleb Hammer? That is not cheap.
11:04 Speaker 02 So when we split it, it's, we have to have it split. That was the conversation we had before we moved. Cause in New York, it was a lot cheaper. It was ten twenty-five and we were in a town home. I was able to afford everything by myself.
11:14 Caleb Hammer? New York, you guys were in, when did you guys come down to Dallas?
11:17 Speaker 02 Um, about two years ago.
11:18 Caleb Hammer? Why?
11:19 Speaker 02 So my ex-husband was stationed in New York. And then when we got divorced.
11:23 Caleb Hammer? So things seem to have stemmed from this. Um, okay. Tell me that situation. Let me get a little Caleb Springer in here.
11:30 Speaker 02 Let's tell him. So we were.
11:32 Caleb Hammer? Oh, okay. Well now, okay. Well now you're making it sound like this is actually, alright.
11:38 Speaker 02 We were, we met here. We went to high school together. I had, um, my daughter, the, her father disappeared.
11:43 Caleb Hammer? How old's your kid?
11:44 Speaker 02 Uh, ten and seven.
11:46 Caleb Hammer? Two kids?
11:47 Speaker 02 Yep, she got two.
11:49 Caleb Hammer? She got two. You don't consider them yours?
11:51 Speaker 02 Yeah.
11:51 Caleb Hammer? I know you're not married yet, but, okay.
11:54 Speaker 02 Anyway, so we were there. He got, wanted to join the military randomly. I supported him. So then we got stationed in New York. We were in New York. We were in, we were married. Everything was decent, I guess. And then I'm, was working at McDonald's and.
12:11 Caleb Hammer? You got divorced because you were working at McDonald's? I'm a little.
12:14 Speaker 02 Yeah, but, but let's talk about the manager at McDonald's. So the manager, the manager at McDonald's was, um, a woman.
12:24 Speaker 02 She was very, she was hot. I slept with my manager.
12:28 Caleb Hammer? Well, you were with your husband.
12:30 Speaker 02 He gave me permission. He gave me permission.
12:33 Caleb Hammer? What does that look like?
12:34 Speaker 02 I just asked him.
12:35 Caleb Hammer? You said, can I [BLEEP] my boss? And he said, yes?
12:37 Speaker 02 Basically, in so many terms, yes. Because.
12:40 Caleb Hammer? No, no, no. What did he say?
12:41 Speaker 02 He literally just said yes.
12:42 Caleb Hammer? To what? What, did you ask him?
12:44 Speaker 02 Well, I asked him if I could kiss her. Well, what is that gonna lead to? We're adults.
12:48 Caleb Hammer? You didn't ask him if you could [BLEEP].
12:50 Speaker 02 Same thing.
12:51 Caleb Hammer? It's.
12:51 Speaker 02 No, it's not.
12:52 Caleb Hammer? It's kissing.
12:54 Speaker 02 What does kissing lead to? What is, come on, what does kissing lead to?
12:57 Speaker 05 Two separate things.
12:58 Caleb Hammer? Yeah, but you asked to kiss, you didn't ask to, I don't know, I don't think.
13:01 Speaker 02 Well, then I asked to stay the night, he said yes to that too, so.
13:03 Caleb Hammer? Like kissing doesn't equal anal, I don't know, like, they're not on the same spectrum.
13:08 Speaker 02 Well, then I asked to stay the night and he said yes, but I was struggling with my sexuality. My mom was a little homophobic for a little bit. And I wanted to just, I thought I had to be with men, I mean, I was living with my mom, she was, that was my mom.
13:19 Caleb Hammer? You had two kids with this guy and you cheated on him?
13:21 Speaker 05 No, it is two separate baby daddies.
13:25 Caleb Hammer? Who the, where the, who's the other dude?
13:27 Speaker 02 I got pregnant at nineteen, after high school.
13:29 Caleb Hammer? With another person?
13:30 Speaker 02 Yes.
13:31 Caleb Hammer? This was not the husband?
13:32 Speaker 02 Not the husband.
13:33 Caleb Hammer? Oh my gosh.
13:33 Speaker 02 And he, we were actually really good, he named her, he was there for her and everything, but he just got scared and skipped out.
13:38 Caleb Hammer? Or is he not, oh.
13:39 Speaker 02 Yeah.
13:39 Caleb Hammer? Did you get child support?
13:41 Speaker 05 Nope.
13:41 Speaker 02 Nope.
13:41 Caleb Hammer? Why?
13:42 Speaker 02 He's working under the table, so I haven't gotten anything.
13:45 Caleb Hammer? You haven't tried to pursue?
13:46 Speaker 02 I have, yeah.
13:47 Caleb Hammer? And?
13:48 Speaker 02 Haven't gotten anything back yet, but he was, he's, I think in jail right now, so I'm, yeah. It's a good way to get him.
13:54 Caleb Hammer? You tried to make him sound like he's a good person? No, he's in jail.
13:56 Speaker 02 When it comes to his daughter, yes.
13:58 Caleb Hammer? Why is he in jail?
13:59 Speaker 02 I don't know.
13:59 Speaker 05 Um, he's dumb.
14:00 Caleb Hammer? You don't know what your baby daddy, okay.
14:02 Speaker 02 No, cause he.
14:03 Caleb Hammer? So you cheated on a man, so when was the divorce? Why, why was the divorce?
14:08 Speaker 02 Well, it was because.
14:09 Caleb Hammer? With a McDonald's manager?
14:11 Speaker 02 Mm-hmm.
14:12 Caleb Hammer? And I talk about like Mickey D's, I talk up to Mickey D's, nothing wrong going and dropping some fries for a bit. It's actually, you know, relatively decent benefits as well, if you're willing to kind of stick it out.
14:21 Speaker 02 I was working there and I liked it, it was a major pay.
14:22 Caleb Hammer? But sleeping with your manager at Mickey D's, what are we doing?
14:25 Speaker 05 Hey, she, I guess she wanted the pay raise.
14:31 Speaker 02 I got promoted to the top, just because I'm a good worker, don't even.
14:36 Speaker 05 Really? Okay.
14:37 Caleb Hammer? I don't think your fiance believes this.
14:40 Speaker 05 Cause you, you went from just being regular to being a.
14:43 Speaker 02 Well, at least, you know, he's not still calling like yours is, anyways.
14:48 Caleb Hammer? You had a man as well?
14:49 Speaker 05 No, it's my ex-girlfriend, she calls me, I don't call her ID still.
14:55 Speaker 02 Still, still.
14:56 Caleb Hammer? Did you cheat on her too?
14:59 Speaker 05 Ah, yeah.
15:01 Caleb Hammer? Actually.
15:03 Speaker 05 Yeah, but look, look.
15:04 Caleb Hammer? Lori? This is fucking insane, guys, what are we doing?
15:08 Speaker 05 Tip for tat, look, she did it first.
15:10 Caleb Hammer? Tip for tat, clit for clit?
15:12 Speaker 05 Yeah. So she did it, so I was gonna do it back, but then it got to the point that she. My best friend.
15:21 Speaker 02 Who was a man.
15:22 Speaker 05 Who was a man.
15:23 Speaker 02 Yeah.
15:23 Speaker 05 And then, then they both lied about.
15:25 Speaker 02 Yeah. Who she was friends with.
15:28 Speaker 05 Yeah.
15:29 Speaker 02 Yeah.
15:29 Caleb Hammer? What legitimately what is wrong with you guys? Like a little, I mean, it's okay. Or I haven't fun digging through a little bit of tea, but what the cheating is like the most disgusting thing. Business owners, you're making money, but do you actually know where it's going? If you're consistently scrambling to cover payroll, taxes and expenses, send a clean up for cash flow with today's sponsor. Relay. Relay is a business banking account and money management platform that puts you in total control of your business finances. The best part, there are no monthly fees or minimum balances, just a simple way to stay on top of your money without the chaos. And here's how it works with relay, you can open up to 20 checking accounts for free. That means you can separate your money for payroll, taxes, operating expenses, and most importantly, your paycheck.
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17:24 Speaker 02 I felt bad. I really did. I told him about it.
17:26 Caleb Hammer? Boo hoo.
17:27 Speaker 02 About it.
17:29 Caleb Hammer? Yeah, but you, you're kind of a piece of, I mean, both of you. You're cheaters, not and actually not kind of you are pieces of cheating is disgusting. Never once even like considered. That I just don't get it. And while you have a kid with him?
17:44 Speaker 02 Yeah.
17:44 Caleb Hammer? And is revenge cheating? What the are we guys? So how the how in what world are you guys confident going in this marriage together? That there isn't going to be another and woman in each other's arms some random day? You guys are both cheaters. How can we trust each other? No, you don't have combined accounts? We can't trust each other in a single.
18:10 Caleb Hammer? I don't know. You guys are kind of gross. Come on. How can you guys trust each other? Can you?
18:18 Speaker 02 It's different with us.
18:19 Caleb Hammer? How? Yeah, go on. You had a kid with two.
18:22 Speaker 02 Relationship.
18:22 Caleb Hammer? Go on.
18:23 Speaker 02 I was just dealing with a lot of things, but we did try to work it out.
18:26 Caleb Hammer? You will deal with things. You're thirty one. There's many decades to deal with things.
18:29 Speaker 02 Well, we were. I was younger. It was like.
18:31 Caleb Hammer? Hey, I'm gonna let you guys know. Lesbian couples, marriage, highest divorce rate in the nation.
18:37 Speaker 05 Never knew that.
18:38 Caleb Hammer? I don't that you all already has the keys in the ignition.
18:41 Speaker 02 That's not like everybody, though.
18:42 Caleb Hammer? Huh?
18:43 Speaker 02 That's not everybody. There's like successful marriages.
18:45 Caleb Hammer? Yes, there are, but it's the highest rate on TikTok.
18:48 Speaker 02 Yeah, TikTok, YouTube. There's like the couples.
18:51 Caleb Hammer? So how is that?
18:55 Caleb Hammer? How? You're thirty one, dude. How are you basing successful marriages off of? There are some people together on TikTok.
19:02 Speaker 02 You can see it, though. It's not like everybody.
19:04 Speaker 05 People meet on TikTok.
19:05 Speaker 02 Military marriages and divorce all the time, too.
19:07 Speaker 05 Met on TikTok.
19:07 Caleb Hammer? You guys met on TikTok?
19:08 Speaker 05 Yeah.
19:08 Speaker 02 Yeah.
19:09 Caleb Hammer? How does that even happen?
19:10 Speaker 05 Look, I one of my videos went on her for you page and.
19:15 Caleb Hammer? Which you guys won't know because we do not allow people to plug their here. This is not a clout chase.
19:20 Speaker 05 And and then she started blowing up my TikTok because I started getting a lot of following. And then from there, I I DM'd her and then I basically went to go visit her one time.
19:33 Caleb Hammer? Who'd you cheat on to go visit her?
19:36 Speaker 05 Nobody then.
19:37 Caleb Hammer? Did you actually?
19:39 Caleb Hammer? I'm just a little nervous headed into this marriage. I want to have this financial conversation, how to get out of debt, how we should prepare for this marriage. But I mean, would it surprise you if after this 18 minutes that we've been talking or whatever, that through the language and conversation we've had, I have zero confidence that you guys are going to be together for twice as long as you've been together now. Zero. You've had two kids with different dudes and have cheated on one of them. You've cheated on another. What are we doing? Rolling the dice. And then you say it's different. Why is it different? Because some people have successful marriages on TikTok? Was your last relationship on TikTok?
20:17 Speaker 02 Yeah, it was.
20:19 Caleb Hammer? There you go. Are you kidding me? So clearly that doesn't work.
20:24 Speaker 02 Yeah, we were viral. Like I was on Facebook, YouTube, everything because of our TikToks.
20:28 Caleb Hammer? You and the dude?
20:29 Speaker 02 No, the manager from McDonald's.
20:32 Caleb Hammer? Oh my.
20:33 Speaker 02 Yeah.
20:33 Caleb Hammer? You guys are messy.
20:35 Speaker 02 I posted a video and we got like a million views.
20:37 Caleb Hammer? Messy.
20:38 Speaker 02 I mean, it can get even messier because she DM'd actually her and my ex-husband and my best friend.
20:43 Caleb Hammer? The manager of the McDonald's?
20:45 Speaker 02 Yeah. She DM'd all of them.
20:47 Speaker 05 But it's okay. I got, I made four different TikToks and got her account blocked and removed from TikTok.
20:54 Caleb Hammer? What?
20:55 Speaker 02 It still had my name in one of her videos.
20:57 Speaker 05 Yeah, that's why I got it removed.
20:59 Speaker 02 Yeah.
20:59 Caleb Hammer? Okay, it was a good.
21:00 Speaker 03 Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes, para los optimistas y los pesimistas, los que valoran lo de adentro, para los que están lejos, los que no vende lejos y los que no vende cerca, para los introvertidos y los extrovertidos, para los que piensan y los que hacen, para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.
21:30 Caleb Hammer? It's a tea and it honestly lays a strict foundation, well, a very well-understood foundation of why we're in this mess now. I'm not surprised anymore.
21:43 Speaker 05 That's good.
21:46 Caleb Hammer? You don't want your marriage to be successful?
21:49 Speaker 05 No, I do.
21:49 Caleb Hammer? What the fuck are you giggling about?
21:51 Speaker 05 I'm just a li- I just laugh a lot. I, I really don't take much seriously, if you can tell.
21:57 Caleb Hammer? Like your relationship that we're trying to turn into a successful lifetime marriage? Yeah, why would we take something like that seriously? Why would we take our finances seriously if it's gonna hold us back in every instance in life? Why would we take our career seriously, or do you wanna level out a seventeen dollars an hour for the rest of your life?
22:13 Speaker 05 No, I, I wanna grow.
22:15 Caleb Hammer? Well, that's what's gonna happen for people who don't take things seriously. People who don't take things seriously never grow. I don't know what the fuck you're talking about. Looks like you haven't grown past four foot eight.
22:23 Speaker 05 Four foot eight?
22:24 Caleb Hammer? There's gonna be no growth in your life with the kinda mindset you're on. Be cheating again?
22:30 Speaker 05 We'll see, but not the cheating part.
22:34 Caleb Hammer? Honestly, I would not be surprised. Let's be honest. Okay, let's jump. These finances. I wanna hear self-assess where you think you are before we dive into, into the money. I'm gonna go three, two, one, go on go. I want you guys at the same time to give me your perceived financial score for the household, both of you combined, cuz we're headed into this combined.
22:56 Speaker 05 Okay.
22:56 Caleb Hammer? Okay, three, two, one.
22:59 Speaker 05 One.
23:00 Speaker 02 One.
23:02 Caleb Hammer? That was not at the same time.
23:04 Speaker 05 Close enough, right?
23:05 Caleb Hammer? Really gonna grow.
23:05 Speaker 02 She just goes with like everything, yeah.
23:08 Caleb Hammer? Except for financial discipline. Not that you have it, you use fucking little micro payday loans. What are you talking about?
23:13 Speaker 02 Again, cuz of her.
23:15 Caleb Hammer? That doesn't make sense. How would it be her fault?
23:17 Speaker 02 Because she doesn't have her half of the rent.
23:19 Caleb Hammer? Okay, we split rent down the middle.
23:22 Speaker 02 Yeah.
23:22 Caleb Hammer? And then you don't, don't you feel bad?
23:24 Speaker 05 Yeah, I do.
23:25 Caleb Hammer? That's the person, then why don't you fix it?
23:27 Speaker 05 That's why I use those apps.
23:29 Caleb Hammer? That's not fixing it. That's getting in an endless cycle, a repeating cycle, a cycle that does not stop.
23:36 Speaker 05 It will stop eventually, right?
23:37 Caleb Hammer? No, it do-
23:40 Caleb Hammer? I mean, you know, know, right? Did she not know that it- Did she actively not know?
23:46 Speaker 02 Cuz I'm, I'm stuck in the cycle, but she doesn't listen.
23:48 Speaker 05 Eventually, I wanna delete the apps.
23:50 Caleb Hammer? You wanna delete the apps, but you have to pay them off, and you borrow to pay them off, and you're just endlessly trying to fill them and take them out, fill them to take it out. Cuz the money you're gonna put towards rent has to go to paying those, and then you have to take it back out in order to pay for rent. How, does that not make sense? Whatever.
24:03 Speaker 05 It's a fun game.
24:09 Caleb Hammer? Okay, what am I dealing with here? Because I want to actually have like a real conversation, but I feel like she's
24:13 Speaker 02 This is what I deal with. We'll sit down and have these conversations and then this is what I deal with.
24:17 Caleb Hammer? It's not funny. It's not cute.
24:20 Speaker 02 Okay.
24:22 Speaker 02 Why is it not cute?
24:25 Caleb Hammer? Is this like her actual personality? I want to make sure before I continue this conversation because
24:29 Speaker 02 It is.
24:30 Caleb Hammer? I would not complain if you hit her right now.
24:33 Speaker 02 I don't do violence. It's like a stereotypical thing.
24:35 Caleb Hammer? Verbally hit. Really, is it?
24:38 Speaker 02 It is.
24:38 Caleb Hammer? And I was mostly joking, but I didn't know.
24:40 Speaker 02 Yeah.
24:42 Caleb Hammer? Okay. No, you're being annoying. You're being a little prick.
24:45 Speaker 02 Yeah.
24:46 Caleb Hammer? It's not funny to act. You're gonna be okay.
24:49 Speaker 02 Okay.
24:50 Caleb Hammer? To actually listen. And actually take it seriously. Stop being a little brat. Why would you not take it seriously? Are you getting in that moment where you're getting a little bit of pushback in your personality? So you fall even further onto it and dig your hole into the ground and make no progress in life? I'm not surprised. Look where you are. You're a joke. You're an embarrassment. You're the failure of this relationship. You're the anchor. You don't allow her to be able to pay rent and you take a little micro payday loans to do it.
25:16 Speaker 02 That's why I'm here, right?
25:17 Caleb Hammer? You cheat on people. That's why you're here. You think I'm gonna do anything? No. You're a joke. And if you continue to act like this conversation is a joke, you'll be a joke throughout your entire life and you'll never be looked like a respected individual ever by anyone. And if you want that for the other half, go ahead and do it. Everyone will look down you for the rest of your life.
25:39 Caleb Hammer? So what hits your account on a monthly basis again? Remind me? We didn't decide. But I do need to be able to mathematically figure that out.
25:46 Speaker 02 When I calculated, it was about 2,000. Yeah, it's about two grand.
25:50 Caleb Hammer? So how we feel living on about 5,100 net on a monthly basis?
25:56 Speaker 02 I mean, if we had that info without these apps, I think we'd be somewhat okay.
26:00 Caleb Hammer? What is the apps? What are we behind on? What's the number that we owe to just get it back to zero?
26:05 Speaker 02 Um, I don't know the exact total, but earning I owe almost 500. Bridget is seventy one.
26:14 Caleb Hammer? Okay, that's more manageable, but still.
26:16 Speaker 02 I have this one other app, Possible.
26:18 Caleb Hammer? You have three?
26:20 Speaker 02 I have quite a few.
26:21 Caleb Hammer? How many do you have then?
26:23 Speaker 05 I have Impossible and Cash App. Cash App is three hundred and twenty one dollars and it's oh, uh, it was supposed to be paid on the
26:32 Speaker 02 Forever though.
26:33 Speaker 05 Thirty first of December.
26:36 Caleb Hammer? No.
26:37 Speaker 05 Yeah.
26:38 Caleb Hammer? It's almost a full month now. Where, why?
26:40 Speaker 02 And they are charging interest now.
26:41 Caleb Hammer? Why? Why hasn't it been paid?
26:43 Speaker 05 Don't have the money.
26:44 Caleb Hammer? You don't not make money, though. What do you mean? Why has it legitimately not been paid? What the is going on? Four hundred and two dollars going out to eat. What about your car?
26:54 Speaker 05 Um, so I made a decision that wasn't
26:58 Speaker 02 Without me?
26:58 Speaker 05 With
27:00 Speaker 02 On her own.
27:00 Speaker 05 So she basically told me to go get a car that was in my price range.
27:05 Caleb Hammer? Mm hmm.
27:05 Speaker 05 And
27:06 Caleb Hammer? What range?
27:07 Speaker 05 It, it, it was only, my car payment was supposed to be from two to three hundred dollars and my car payment
27:13 Speaker 02 I said around three to like four will be reasonable for you, but
27:16 Speaker 05 Three to four.
27:17 Speaker 02 Mind you, when she got this car, she didn't have a job.
27:20 Speaker 05 Five hundred and sixty nine dollars a month. And, uh, the car is a twenty twenty four Volkswagen Tulsa. It's not in my name. It doesn't have any interest, though. So that's
27:34 Caleb Hammer? It doesn't have any interest?
27:35 Speaker 05 Yeah.
27:35 Caleb Hammer? What do you mean? Is it leased?
27:37 Speaker 05 Yeah, I, and it's
27:39 Caleb Hammer? Baked in, dude.
27:40 Speaker 05 It's thirty two grand.
27:42 Caleb Hammer? That's baked into the lease.
27:44 Speaker 02 That's what she didn't know.
27:45 Caleb Hammer? You think they're not making any money? You think they're just providing a nice little service for you?
27:51 Speaker 05 In a way.
27:52 Caleb Hammer? Who went behind whose back? Someone said someone went behind whose back for the car? You went behind our back?
27:56 Speaker 05 She wanted me to go get this other car.
27:58 Speaker 02 I found a Toyota.
27:58 Caleb Hammer? Sign on it?
27:59 Speaker 02 No, I just helped her. I was trying to help her find a car that would might be in her price range. I found a Toyota for eighteen grand.
28:04 Caleb Hammer? Price range, you're looking at the monthly payment, not the overall price of the vehicle or how much you'd pay over time? Cause you're still not gonna end up with anything in the end. You're either gonna have to re-lease or take out a loan to pay out the the rest of it. And like, it's not like you keep something in the end here. Your lease has an end and then you're back to where you were. And none of the money did anything to help you.
28:25 Speaker 02 And we were trying to help her credit.
28:26 Speaker 05 That's my issue.
28:27 Speaker 02 That's why I wanted her to get it in her name.
28:29 Caleb Hammer? We're getting a bad, expensive car that we can't afford.
28:31 Speaker 05 Yeah.
28:32 Caleb Hammer? To build credit. Okay. Yeah. Missile needs bullshit. Eight hundred nine dollars a month. What do you mean? You can't pay off Cash App? What are you talking about?
28:41 Speaker 02 So right now she gets paid. Well, she wasn't working for a little bit. We were having.
28:44 Caleb Hammer? When'd you get a job?
28:45 Speaker 05 About three months ago.
28:48 Caleb Hammer? Okay. Well, congratulations. December's within there.
28:52 Speaker 05 I'm about to get hired on and then my pay will go up a little bit more.
28:55 Caleb Hammer? To?
28:56 Speaker 05 Eighteen?
28:57 Caleb Hammer? Okay.
28:58 Speaker 05 Fifty?
28:59 Caleb Hammer? Good. Always seek after the raises. Good. I'm sure we'll get to that car in here at some point. If you guys want to see where your financial score is, how you stand up to the system that I care about here. You can go to the link in the description below, the Hammer Financial Score Quiz. It's free. It's fun. Check it out. And if you want to come on this show, feel free to come on. I'll give you some verbal punches, but we'll connect you with a lot of resources. I hope to give you a better place and you can join the hundreds of people that have paid off ten thousand dollars in ten months in the median. You guys can do that too. And maybe if your other half takes it seriously and starts acting like a whiny little brat. Go to calebhammer.com slash apply for that. Capital One.
29:42 Caleb Hammer? Who has the Capital One?
29:43 Speaker 02 That's hers.
29:44 Speaker 05 All Capital One is me.
29:46 Caleb Hammer? You're moral high horse. You're moral high horse. You talk a game and you do not live up to it in any way whatsoever. It's late. It's late.
29:58 Speaker 02 Wait, what are you looking at?
29:59 Caleb Hammer? The Capital One. It's.
30:02 Speaker 02 I have a bank account and debit cards and credit cards. What do you? Which one?
30:08 Caleb Hammer? Past due. The Capital One credit card. What do you think? We're talking about debt.
30:13 Speaker 02 Well, there's two of them, but I know.
30:15 Caleb Hammer? Why do you get to think you get to sit up there? Hmm? And be the good one with finances? Say that, oh, I budget. I try to set her up with budgeting. I try to help her all this stuff. You, you're late. A twenty-five dollar payment. You're late on a twenty-five fucking dollar payment. You, you don't get to sit on any horse. No. What, what is this moral superiority that you have? There is none. You're late. I can't think, I don't know if I've ever been late on a credit card payment and there's no reason for you to be. It's 25 fucking dollars. I know you could do that. What's your thoughts on this? Come on, she stands over you and she's like, I'm better with money. Let me help you. And then she's late on a fucking minimal credit card? I feel like it should have already been paid, but she-
30:57 Speaker 02 I feel like your rent should be paid too, but I mean, hopefully it gets paid this month.
31:02 Caleb Hammer? Hopefully your rent gets paid this month.
31:04 Speaker 02 It's not.
31:04 Caleb Hammer? You're taking that as a joke too? Paying your rent and fucking over your fiance? In a way. Yeah, you're an upstanding person, aren't you? Why the fuck are you guys together? She's a piece of-
31:17 Speaker 02 I think I have like bad taste, clearly.
31:20 Caleb Hammer? I'm not joking.
31:23 Caleb Hammer? Are you?
31:26 Caleb Hammer? Huh? I don't know, you cheat on everyone, so.
31:30 Speaker 02 It was one time.
31:31 Caleb Hammer? Yeah, that's all it takes to be a cheater. What the fuck are you? What are you? I would never get with someone who's cheated. So if you're applying to be my wife, sorry, no cheaters allowed.
31:42 Speaker 02 Well, that was before, when he asked me to marry him.
31:45 Caleb Hammer? Huh? He asked you to marry him and then you cheated?
31:48 Speaker 02 Yeah, it was after, but I was struggling with my sexuality.
31:51 Caleb Hammer? Then you have a conversation about that.
31:53 Speaker 02 I did.
31:54 Caleb Hammer? But you're also getting married. If you're having, yeah, cuz he's getting married to you. Whether the person I'm getting married to wants to- Any living thing, I would rather them only me cuz it's monogamy.
32:07 Speaker 02 Well, he was open to like other options, just not the manager.
32:11 Caleb Hammer? Then why'd you guys get divorced?
32:13 Speaker 02 Because I just wanted to be with a woman. It just wasn't looking out.
32:15 Caleb Hammer? So you divorced him?
32:16 Speaker 02 Yeah.
32:16 Caleb Hammer? You had a kid with him and then, did you go, did you guys get married?
32:19 Speaker 02 Yeah, we were married. We had to for the military, you know, the benefits and the extra money. Yeah.
32:24 Caleb Hammer? Joke. What a joke. Normal 25 dollar minimum payment, of course, it's 57 right now with the fees and bullshit because you have 25 dollar fee cuz we're like $5.19 of interest. We're purchasing on a card that we're not even fucking paying, that we're late on. Are we kidding me? Come on, $58.32 of purchases and what? Again, your little high horse, congratulations, good job. You're purchasing on a card that you're not putting a fucking minimum monthly payment due. Who, what are you? What are you talking about?
32:52 Speaker 02 I gotta survive.
32:53 Caleb Hammer? McDonald's, you going paying the old pair? Oh, yeah. A little visit? For McDonald's. Yeah, you're getting up there? Right up in her?
33:01 Speaker 02 I mean, I have to eat.
33:03 Caleb Hammer? Yeah.
33:04 Speaker 05 Groceries. We could always get groceries, but you always want to get DoorDash.
33:08 Caleb Hammer? I thought you meant your ex's post.
33:11 Caleb Hammer? Always going back to McDonald's.
33:14 Speaker 02 I took a break for a while.
33:17 Speaker 05 Yeah, for like a few days.
33:19 Caleb Hammer? Wait, I'm cheating or just strict, actually McDonald's?
33:21 Speaker 02 The McDonald's.
33:22 Caleb Hammer? Well, you went to McDonald's. It's right there.
33:25 Speaker 05 Yeah, we literally went today, too.
33:27 Caleb Hammer? And return payment.
33:28 Speaker 05 And wasn't it with that card?
33:30 Caleb Hammer? Huh?
33:31 Speaker 02 No.
33:31 Caleb Hammer? Huh?
33:32 Speaker 02 No.
33:32 Caleb Hammer? Huh?
33:32 Speaker 02 No.
33:33 Caleb Hammer? What'd you say? What'd you say?
33:36 Speaker 05 I was just asking if, because we literally went to McDonald's before we came here and I was just seeing.
33:41 Caleb Hammer? How'd you guys pay for that?
33:42 Speaker 05 With one of her cards. I think it was one of her credit cards, but I'm not, she's not clarifying if it was or not, so.
33:50 Caleb Hammer? So you don't have enough money in your checking account to pay for this? Because it got bounced.
33:55 Speaker 02 Yeah, no. And it's on autopay, so.
33:57 Caleb Hammer? The budgeter.
33:58 Speaker 02 I forget.
33:59 Caleb Hammer? The financial professional.
34:02 Speaker 02 I didn't say it was great at it. I try.
34:03 Caleb Hammer? No, you're not. People who don't, people who try don't have zero dollars and they're like, don't have less than $25 in their checking account. You don't try and have less than $25 in their checking account in your position. Some people, yes, there's situations outside of our control. Come on, you guys make enough. Alright guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am gonna directly reimburse you for the $5 for upgrading or $10 if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you.
34:46 Caleb Hammer? All you have to do is follow the instructions that I'm gonna post in the membership area. Send us that proof and I'm gonna send you the money and boom. You joined Hammer Elite for free. Yes. Seriously, guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.
35:07 Speaker 05 No, that's not true. Honestly, Ashley.
35:09 Caleb Hammer? That's Lindsay for you. Weekly live streams.
35:13 Speaker 01 So Caleb, what's your social security number?
35:15 Caleb Hammer? Caleb, I'm doing it. 38.
35:18 Speaker 00 That is definitely getting it on your shirt.
35:22 Speaker 06 Three, two.
35:25 Caleb Hammer? And every single financial audit post show plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with that with only partial consent. And then I ran off. Plus it really helps support this channel. So let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier hammer elite so that I pay for it. This offer expires at the end of the month. Your rent's a bit expensive. Absolutely. I mean, it almost eats your entire rent. If it was just on you, why don't you leave? You're I don't know what's happening and we know you guys love to so.
36:05 Speaker 02 Well, I work there, so I get a discount. So technically.
36:08 Caleb Hammer? So that expensive one is post discount?
36:10 Speaker 02 Yeah, it's actually a 2067.
36:13 Caleb Hammer? Oh, you're doing so well.
36:21 Caleb Hammer? So they're 29.74% interest rate.
36:25 Caleb Hammer? Great.
36:27 Caleb Hammer? It was like sniffing nail polish.
36:29 Speaker 00 I don't know what I'm doing. Need a break. Forget it, I quit. Escape to Pluto TV.
36:34 Speaker 02 This is objectively fantastic.
36:36 Speaker 01 Relax into the movies and shows you already know and love all for free. Swing. Even our news is uplifting.
36:42 Speaker 03 You stay classy, San Diego.
36:44 Speaker 01 Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World and so much more.
36:50 Speaker 00 We're not worthy.
36:51 Speaker 01 The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.
36:59 Caleb Hammer? Over. What's happening? Yeah, I smell that.
37:03 Speaker 02 No.
37:03 Caleb Hammer? No. Credit one, who has credit one?
37:07 Speaker 02 Me.
37:08 Caleb Hammer? Again, you, you, it's credit one. It's the bottom of the barrel. If you have credit one, you're the worst of the worst of the worst of the worst. After the fact, you meet, I mean, a credit card came in the mail and you accepted it.
37:20 Speaker 02 No, I actually applied for it.
37:22 Caleb Hammer? You applied for this?
37:23 Speaker 02 Yeah. But then my boss, my old boss was like, yeah, you shouldn't have credit one because she has it and she hates it, but it's too late now.
37:29 Caleb Hammer? What old boss?
37:30 Speaker 02 My old leasing, my old leasing job. Yeah, not that one.
37:35 Caleb Hammer? Also, I don't know at this point.
37:38 Caleb Hammer? Three hundred eight dollars and twenty one cent balance on a credit. Oh, it's eight dollars over the credit limit. What are we doing? What are we doing? You're a joke too. You're a joke too. You just put on a facade. You just put on a facade. Maybe we are perfect for each other. We're just gonna end up homeless. So you guys are headed. No chance for retirement here. Normally, I recommend the Fizz card for our guests. Cause it doesn't allow you to spend money that's not in your checking account, but you still build credit. But you'd never have enough money in your checking account. I'd be nervous if you having anything.
38:09 Caleb Hammer? I don't, I don't know. Twelve dollars and fifty cents of purchases. Card that we went over on with fees and interest accruing. This is a joke. Why would you spend on here? You pushed over the credit limit. Why would you spend on here?
38:22 Speaker 02 The last purchase was for my daughter. She wanted to go to the skating rink.
38:25 Caleb Hammer? How often do you have each of the kids?
38:28 Speaker 02 It's a week on, week off.
38:29 Caleb Hammer? For both?
38:29 Speaker 02 Mm-hmm.
38:30 Caleb Hammer? Okay. Yeah, cause he's here, right?
38:32 Speaker 02 Mm-hmm. Yeah. He lives in Arlington.
38:34 Caleb Hammer? Wait, who, who gets the other kid with, for a week with?
38:37 Speaker 02 So he adopted my daughter. So legally, they're just basically, they're both his.
38:41 Caleb Hammer? Oh, okay. I do like them being together. That's kinda nice.
38:44 Speaker 02 Yeah. She's always looking out for him. Yeah.
38:47 Caleb Hammer? Good. Huh? Who? She's always looking after him?
38:49 Speaker 02 My daughter. Yeah.
38:50 Caleb Hammer? Oh, the older one?
38:51 Speaker 02 Yeah.
38:54 Caleb Hammer? Yeah, roller rink. I, I get that. And Disney Plus. Okay. I get wanting to do that for the kid.
38:58 Speaker 02 Yeah.
38:58 Caleb Hammer? Why the f**k would you put it on a card that's going over that is always accruing interest and fees?
39:02 Speaker 02 I think when I signed up, it was with that card and I meant to use my checking account. Yeah, I thought it was on her regular card, so.
39:08 Caleb Hammer? So skating rink subscription?
39:10 Speaker 02 No, no, not the skating rink. The Disney Plus.
39:12 Caleb Hammer? I'm talking about the f**king skating rink. You went there and you pulled out this card and you used it.
39:15 Speaker 02 I literally had nothing and she really wanted to go.
39:17 Caleb Hammer? You don't get to do that. You have to tell her no.
39:21 Speaker 02 It was her friends from her.
39:22 Caleb Hammer? I don't give a f**k. You know I don't give a f**k. Who gives a f**k? You're not ever gonna be able to do anything for her if you don't have any money.
39:31 Caleb Hammer? And you don't have any money. Now you're negative. Here. What are you doing? No, we don't do that.
39:36 Speaker 02 Who's my daughter?
39:36 Caleb Hammer? I know it's your daughter and you're [__] her over.
39:39 Speaker 02 Can't say no to your kid.
39:40 Caleb Hammer? Yes, you can. That's what adults do. What the [__] are you talking about? On skating, that's the thing we can't say no to. What the [__] is she talking about here?
39:48 Speaker 05 Her daughter is bougie, okay?
39:50 Caleb Hammer? Bougie? She's living in poverty and credit card debt. She's, there is no booze here. There's [__] in, with needles in a back alley. That's where this is heading.
40:00 Speaker 02 My daughter never sees her actual friends in the Louisville area, so I took her there. Cause he lives in Arlington. He pulled them out of a whole entire different school and she really wanted to see her friends that she never gets to see.
40:11 Caleb Hammer? Were they going to this ice rink?
40:14 Speaker 02 Yes.
40:15 Caleb Hammer? They were going to the ice.
40:16 Speaker 02 It was like a whole thing for her school.
40:18 Caleb Hammer? You literally, you didn't have eleven dollars to your name. That's how bad we are.
40:21 Speaker 02 Yeah.
40:22 Caleb Hammer? That part is the biggest joke.
40:24 Speaker 02 Yeah.
40:25 Caleb Hammer? You allowed yourself to get there. You could spoil your kids, but again, all the spending is ridiculous. The debt you're allowing yourself to get into is ridiculous. You not being able to step up and take care of your portion of the rent, putting her in a worse financial position is also hurting the people that you consider to be your kids as well. You're just hurting everyone.
40:43 Caleb Hammer? Total fees charged last year, two hundred thirty-one dollars, eighty-seven dollars of interest, twenty-eight point four nine percent interest rate on these credit cards, on this credit card. Takes a year to pay off just doing the minimum payment for only three hundred eight dollars. Crazy dude. That's without purchasing. Guess what? You always purchase. You have a subscription on here.
41:02 Speaker 02 I have a couple of subscriptions.
41:03 Caleb Hammer? Great. Yeah. Maybe we cancel them because we can't afford to literally live. If you can't afford to live and pay rent without having to take out micro little payday loans, we don't have subscriptions. We don't have fun. That's not something that's a luxury. You're not entitled to that. You are not entitled to anything. I want you to have it all. You're not entitled to it though. You're really not.
41:21 Speaker 02 I know, but some of them are for my kids too.
41:22 Caleb Hammer? I get that, but the roof over your head is for your kids.
41:26 Speaker 02 I mean, I do work in the leasing office.
41:28 Caleb Hammer? I know. Doesn't mean they won't evict you.
41:30 Speaker 02 True.
41:31 Caleb Hammer? If you're behind enough.
41:34 Caleb Hammer? You're playing with fire here, man.
41:36 Speaker 02 I've never been late on my rent, though.
41:38 Caleb Hammer? You're borrowing micro payday loans. It's only a matter of time. You didn't have eleven dollars to go to a skating rink. The fuck are you talking about? You are literally there. You're probably here as a last resort. That's what a lot of people do. You are on that edge. You are going to be drowning before you know it. You have like the last chance to turn it around.
41:57 Speaker 02 I have a couple of options.
41:58 Caleb Hammer? What?
41:59 Speaker 02 I can always just downgrade my apartment.
42:01 Caleb Hammer? Yes, I would highly recommend that. Immediately. Go on. What's next? Doesn't mean you still won't miss rent. I have a feeling you're gonna feel like you have extra money, so you go blow it all, or else you wouldn't be in this position anyway, to begin with. Let's be honest. Go on.
42:13 Speaker 02 Well, if I-
42:13 Caleb Hammer? Number two?
42:14 Speaker 02 I just haven't downsized yet.
42:15 Caleb Hammer? Number two, what's the next option? Go ahead.
42:18 Speaker 02 Well, my tax return's coming up.
42:19 Caleb Hammer? Okay, well, that's a joke.
42:21 Speaker 02 I can pay off things.
42:22 Caleb Hammer? Listen, you could have paid it off last year, and this is where we are today. So you're either gonna spend it, or you pay it off with your tax return without changing your behavior, and then you build it up every year.
42:29 Speaker 02 My tax return last year went to bills.
42:30 Caleb Hammer? Huh?
42:31 Speaker 02 My tax return last year went to bills.
42:32 Caleb Hammer? And what's gonna say? It's not gonna go to bills this time?
42:37 Speaker 02 No idea.
42:38 Caleb Hammer? Exactly. And why haven't you downsized yet? What were you gonna say?
42:41 Speaker 02 Well, I have a two-bedroom right now. I don't know if it's a good idea to go to a one-bedroom.
42:45 Caleb Hammer? Honestly, probably absolutely sucks. Absolutely sucks, but guess what? You literally cannot afford a single thing in your entire life.
42:53 Speaker 05 And it also hurt. Another issue is, we've been together and she's had six different couches? And we've only been together-
43:01 Caleb Hammer? What?
43:02 Speaker 05 Yeah. Six different couches. Six.
43:08 Caleb Hammer? What are we talking about? Wait, okay.
43:09 Speaker 05 Cause, cause she watches TikTok and then wants-
43:13 Caleb Hammer? You don't buy couches off of TikTok.
43:15 Speaker 05 And then she's like, oh, I wanna be like this TikToker, so I'm gonna get their couch.
43:20 Caleb Hammer? Because you had one video go viral?
43:23 Speaker 02 I was trying to be an influencer, but I-
43:26 Caleb Hammer? So you buy couches?
43:28 Speaker 02 Yup.
43:28 Caleb Hammer? That's how we become influencers? Guys, hey, the only reason our YouTube channel's successful, cuz I bought a fucking couch.
43:34 Speaker 02 Well, I was showing like my house and stuff. You know, like the get ready with me's, like the house decor.
43:40 Speaker 05 Yeah, she's big on vlogs.
43:42 Speaker 02 Well, she was supposed to go half on a couple of those with me, and she never did.
43:45 Caleb Hammer? Oh, you would've loved 2016.
43:52 Caleb Hammer? Alright, so six couches over the course of how long? But is this an ongoing thing? Are we still buying new couches?
43:58 Speaker 05 No, I finally told her that this is the last one.
44:01 Caleb Hammer? So you had to have her tell you that's how bad it is? Come on.
44:04 Speaker 02 We agreed on that at least, but yeah.
44:05 Speaker 05 But she actually was looking at getting another one and I had to shut it down, cuz.
44:09 Speaker 02 It's really uncomfortable. I got it off Amazon.
44:11 Caleb Hammer? What?
44:14 Caleb Hammer? Have you seen how bad she is and how she talks about her finances? You had to rely on Orange is the New Black over here to tell you that not getting a couch every few months is bad? Like, you guys are made for each other.
44:28 Speaker 02 I was impulse buying a little bit.
44:29 Caleb Hammer? Well, yeah, no, no one buys six couches if they're not impulse buying.
44:34 Speaker 02 Well, I did sell the couch. I still made money.
44:36 Caleb Hammer? You did not make a profit. No way.
44:38 Speaker 05 Endless cycle.
44:39 Speaker 02 One of them I did make a profit. Yeah, the others no.
44:42 Caleb Hammer? Well, one out of six is not a great track record, I'll be honest, if we're talking about a business.
44:48 Speaker 05 Story of my life.
44:55 Speaker 05 What?
44:59 Speaker 02 Nothing.
45:00 Speaker 05 Hmm.
45:02 Caleb Hammer? So we're probably like halfway into this conversation right now. What are you guys thinking? Because I'm thinking there is nothing. No future for you both. You're cheaters. You never commit to anything. You don't know how to. You're not disciplined. One of you treats life as a joke, one treats them life as a moral superiority, yet are both equally as bad in the actions. What are you guys thinking so far? Because so far, not a lot of hope on this side of the table, I'll be honest.
45:32 Speaker 02 There's hope over here.
45:33 Caleb Hammer? Why?
45:34 Speaker 02 I need to get together. I have kids.
45:35 Caleb Hammer? You need to. That is not hope. You've needed to and you haven't. One is ten. That is ten years to get together. You have not. You chose fry vagina over the kid. You chose, like, I mean, come on, you know?
45:50 Speaker 02 Fry vagina.
45:52 Caleb Hammer? Yes, so you've had 10 years to get it together. You haven't.
45:55 Speaker 02 Well, I was also 19. I definitely didn't have a good footing there.
45:59 Caleb Hammer? What do you mean? Everyone's 19 when they're 19. Are you?
46:01 Speaker 02 I mean, I was pregnant at 19, living with my parents. I didn't even have my license or anything.
46:06 Caleb Hammer? You lived with your parents. It's a lot better than a lot of other people that get pregnant.
46:09 Speaker 02 Well, yeah, I know. I just, I, my parents weren't really, well, at least my mom. I think my dad's good with money, but we're not that close.
46:15 Caleb Hammer? No one's parents are good with money? Is this excuse central? Do we never take ownership for our own actions over the last decade?
46:22 Speaker 02 I'm taking ownership, but.
46:23 Caleb Hammer? Really? Cause I'm seeing you act like you're the morals. Neither did mine. Neither did hers, I bet. Neither did theirs, I bet.
46:30 Speaker 02 They tried, but it just didn't work that well.
46:33 Caleb Hammer? Yeah, neither did most of the people out in the audience. Congratulations. You're not unique in that. That is a part of our culture. Most people are stupid with money. People have credit card debt. People are bad at retirement. Average person can't afford a $5,000 emergency.
46:49 Speaker 02 I did have.
46:49 Caleb Hammer? You wanna cry a little bit more about that? Or are you a victim forever? Or are you gonna take control? Because congratulations, it's been 13 years since adulthood. You've done nothing in that entire time. Do I expect perfection at 19? No. No one ever said that. I'm not saying that. We don't even allow people to come on the show at that age anymore. It's just cause there's no expectation of perfection there. You're learning, you're figuring things out. You fall, you get yourself back up. You've had 13 years to do it. What have you done in 13 years? Nothing except getting worse. No, I only see fall. Where's the backup? You're over on a credit one card, the worst credit card you can get, pretty much. Feeling buried under credit card bills, personal loans, or medical debt?
47:30 Caleb Hammer? It's like your money's working harder for your lenders than it is for you, but it doesn't have to be that way. Thanks to PDS Debt. PDS Debt does more than just help you manage your debt. They empower you to take control. Using their platform, they go beyond the numbers to understand your unique financial situation and craft a personalized plan designed just for you. No more cookie cutter solutions, just a clear path for financial freedom that fits your lifestyle. And here's the best part, there's no minimum credit score required. Whether your credit is bad Or fair, they're here to help you save more, pay off your debt faster, and start putting money back where it belongs in your savings account. For me, debt was holding back my entire life.
48:13 Caleb Hammer? And honestly, if I use something like PDS, I could have sped up the entire process. And that could be a good option for you in this audience. And getting started is easy. Go to PDSdebt.com/hammer to complete your free debt assessment to see what options are available to you. Every day you wait, it's costing you more money. Get started with your free debt analysis in just 30 seconds at PDSdebt.com/hammer. That's PDSdebt.com/hammer. Take back control today by visiting PDSdebt.com/hammer. I don't see the backup.
48:45 Speaker 02 Well, we're not, we're talking about recent, not my whole life story.
48:48 Caleb Hammer? Yeah, it's led to right now. So this is where your life is currently led to in the present moment.
48:53 Speaker 02 Well, at one point I did have an emergency fund.
48:54 Caleb Hammer? Congratulations. At one point I was a complete piece of shit, had a lot of debt. Does that mean that that's what defines me? No, what's happening right now in my life is what defines me.
49:04 Caleb Hammer? What's happening right now is what defines you, not what you were.
49:12 Caleb Hammer? And what do you think so far? Let's hear what this quip's gonna be.
49:17 Speaker 05 I think that hopefully, hopefully after this talk, I'll be able to finally get my finances together and.
49:26 Caleb Hammer? What's this talk gonna do for you in order to do that?
49:28 Speaker 05 Um, hopefully it's a wake up call and.
49:31 Caleb Hammer? Yeah.
49:32 Speaker 05 Helps me actually have motivation to want to use budgets and want to not be so stupid with my money, spend money on my games.
49:46 Caleb Hammer? Games?
49:47 Speaker 05 Yeah.
49:48 Caleb Hammer? Is that the $900 of miscellaneous bullshit? Cause that's what fits in that category.
49:52 Speaker 05 Oh, yeah, I have an addiction to a game called Fortnite and I have.
49:58 Caleb Hammer? A game called Fortnite. Yes, no one's ever heard of that. Yeah.
50:01 Speaker 05 Um, I'm not that old. Um, so I have the crew, the Fortnite crew, which is $12 a month.
50:11 Caleb Hammer? What are you getting? Are you getting all the skins? This incredible is my favorite one.
50:16 Speaker 05 No, so it basically lets you have the battle pass, the music pass, the OG pass, and whatever passes all together. But I also like to go in the item shop and get cars, get skins, get emotes, you know?
50:32 Caleb Hammer? And this is more important than paying rent?
50:37 Caleb Hammer? How much does all that amount?
50:38 Speaker 05 Sometimes?
50:39 Caleb Hammer? Sometimes. I mean, obviously, that's you trying to be a silly little goose because you take nothing seriously in your joke on this planet, but go ahead. How much does it all add up to on a monthly basis?
50:51 Speaker 05 Last time I checked, it was two to three? Because I also get it for the kids. Two to three what? Two to three what?
51:02 Caleb Hammer? That's fifteen percent of your net income. That's a fucking joke to Fortnite. Fuck you.
51:05 Speaker 05 You spent two to three hundred on video games? Yeah, sometimes when the skins are good and the... You spent two to three hundred on video games, but you're harping on me about a couch that we use every day, what you're spending money on video games?
51:17 Caleb Hammer? Six couches.
51:17 Speaker 05 It's six. But mine is just one game. How often are you doing this? Because we have game night all the time. Um, a month? Yeah. But, but I'm, you know, eventually I'm gonna stop, but when... Eventually? Not quite sure.
51:32 Caleb Hammer? Why'd you just look into the camera for that? Why'd you just say eventually I'm gonna stop like this?
51:36 Speaker 05 Um, because I look away when I'm trying to...
51:41 Caleb Hammer? Well, stop looking at the camera. It's weird. It makes people feel weird out there.
51:44 Speaker 05 Okay, I'll try.
51:47 Caleb Hammer? That's not funny. I'll kick you off. I have no problem kicking people off.
51:51 Speaker 05 Well, look, there's a nice car in Fortnite that I had to get. And, and then they had this skin.
52:00 Caleb Hammer? And you do it for the...
52:21 Speaker 01 You. The best things on TV really are free.
52:25 Speaker 05 You just have to know where to look.
52:26 Speaker 01 Escape to Pluto TV. Stream now, pay never.
52:30 Caleb Hammer? Kids.
52:31 Speaker 05 Yeah.
52:31 Caleb Hammer? But you would rather them have that than a roof over their head. Good job. What a future stellar mother you're gonna be. Emerald advance loan, what's this for?
52:40 Speaker 05 Oh, yeah, that is from my taxes.
52:42 Caleb Hammer? Past eight.
52:43 Speaker 05 Um, so basically they let me borrow, uh, they, they, they give you this card and, uh, you can borrow money before you get your taxes.
52:52 Caleb Hammer? It's your tax return money. You get it before?
52:55 Speaker 05 Yes. Yes. And basically they gave, uh, the lady messed up and gave me too much. So when I did get my taxes.
53:03 Caleb Hammer? Just spend it all if you got too much. Did you know it was too much?
53:06 Speaker 05 No. And so when I got my taxes, it, it wasn't, wasn't even close to that amount. Cause I, I used to have a problem with having job to job to job.
53:16 Caleb Hammer? Yeah, surprised. I mean, you've only been at yours for three months. Shocker.
53:21 Speaker 05 Look, I'm trying to stay here, you know?
53:23 Caleb Hammer? You're trying. I'll gift you a course career certification. They have trade ones now, like project management for construction. Maybe that'll be good for you. I don't know.
53:30 Speaker 05 Construction, I don't want to be outside.
53:32 Caleb Hammer? Take the free, take the free quiz and we'll give you a certification.
53:37 Caleb Hammer? Okay, go on, go, go. What the? And you haven't paid this in, uh, almost a year for why?
53:44 Speaker 05 Um.
53:45 Caleb Hammer? Six hundred forty dollars, something you took, you know, two months of your Fortnite and stupidness. Come on. What a child. Oh, what a fucking kid.
53:53 Speaker 05 I'm just hoping that when it comes to my taxes, I can just pay it off with my tax return.
53:59 Caleb Hammer? Are you gonna borrow preemptively for these taxes this year?
54:03 Speaker 05 Uh, not gonna try.
54:05 Caleb Hammer? What is try? Not gonna try?
54:06 Speaker 05 Um.
54:07 Caleb Hammer? She has this, does she have this annoying little smirk after everything?
54:11 Speaker 05 When she knows she's like in the wrong, yeah.
54:12 Caleb Hammer? Okay, that's so weird. Cause it also comes across as almost like fake. It's so weird. It's just like, control your woman.
54:20 Speaker 05 Like, can you just fix your face? Okay, just. I don't think it's possible. It's just naturally like this.
54:27 Caleb Hammer? Okay, so you're not gonna try. What the does that mean?
54:29 Speaker 02 So she got the advance, cuz she's horrible at telling stories. She got the advance last year cuz we were behind.
54:34 Speaker 05 Rude.
54:35 Speaker 02 And I-
54:35 Caleb Hammer? We were behind.
54:37 Speaker 02 Something-
54:37 Caleb Hammer? So this wasn't even just to get the taxes early because they like prompted up at the end of filing?
54:41 Speaker 02 No.
54:41 Caleb Hammer? On sight.
54:42 Speaker 02 We-
54:42 Caleb Hammer? You specifically-
54:43 Speaker 02 When I got my tax return, we were behind on rent and a couple of other things.
54:46 Caleb Hammer? How much was your tax damn return? Child tax credits and whatnot?
54:49 Speaker 02 Uh, mine was like 4K.
54:51 Caleb Hammer? Huh, huh.
54:52 Speaker 02 It all went towards bills.
54:53 Caleb Hammer? Oh, yeah. Yeah, I'm sure. I bet. So what was the-
54:57 Speaker 02 It did.
54:58 Caleb Hammer? Yeah, yeah.
54:59 Speaker 02 It did.
54:59 Caleb Hammer? Mm-hmm.
55:00 Speaker 02 And then hers, same thing.
55:01 Caleb Hammer? I see your bills. Come on, guys. Shut the up.
55:06 Caleb Hammer? Okay. What was the minimum monthly payment on here?
55:09 Speaker 05 Um, honestly, I don't even know.
55:14 Speaker 02 Did you ever call them? Like I said?
55:16 Speaker 05 Um, I was supposed to call them and it-
55:20 Caleb Hammer? When were you supposed to?
55:21 Speaker 05 Uh, during work, but, um-
55:23 Caleb Hammer? During work? I'm asking when, not what period of the day.
55:27 Speaker 05 It was, I was supposed to call them-
55:29 Speaker 02 A while ago.
55:30 Speaker 05 Uh, three weeks ago, just to see if I could pay it with my tax return, but haven't discussed that with them.
55:40 Caleb Hammer? Well, it hasn't gone to collections yet, as far as I know. So yes, pay that. Why would your tax returns be substantial though, unless you're giving too much out of the gate? Like, what? You don't qualify for anything. You don't have any legal. Do you have any children?
55:52 Speaker 05 No.
55:53 Caleb Hammer? Okay.
55:55 Caleb Hammer? US Bank, what's this?
55:56 Speaker 05 Um, so-
55:57 Speaker 02 Her credit card.
55:58 Speaker 05 When I first moved to New York with her, um-
56:02 Caleb Hammer? It's internal collections currently.
56:04 Speaker 05 Yes. Um, basically, um, when I moved out there, we kinda went on a splurge.
56:10 Caleb Hammer? Wait, from where? Where'd you move from?
56:11 Speaker 05 Oregon.
56:13 Caleb Hammer? Oh, my gosh. Okay.
56:14 Speaker 05 And-
56:15 Caleb Hammer? Hey, listen, if anyone wants to move across the country from me, my-
56:19 Speaker 05 Yeah, so-
56:19 Caleb Hammer? Calebhammer.com/onlyfans.
56:22 Speaker 05 And so basically I I moved, well, I was only supposed to visit her and be there for three days and then I just never left.
56:30 Caleb Hammer? You guys are so fucking lesbian.
56:32 Speaker 05 Yeah, you all. We definitely fit that category there. Um, but basically, I basically spent, I don't know how long it took us to spend the whole card, but.
56:43 Caleb Hammer? Together?
56:44 Speaker 05 Yeah, we went on a splurge. I can't remember what we got.
56:48 Caleb Hammer? Wait, how long ago was this?
56:50 Speaker 05 She was just visiting me, so I. So I was trying to spoil her and.
56:53 Caleb Hammer? Oh, so you she didn't know that you were racking up a credit card?
56:56 Speaker 05 Yeah, basically. And then.
56:58 Caleb Hammer? What did you do for work at the time?
56:59 Speaker 05 Um, I. It was still warehouse. It was still warehouse. But they paid better. Yeah, they paid better a little bit.
57:04 Caleb Hammer? Well, the cost of living is different as well, so.
57:06 Speaker 05 Yeah. Mm hmm. And then I was also living with my parents, so stuff was a little bit cheaper back then for me.
57:11 Caleb Hammer? Then why'd you not pay this off? Well, you didn't go back.
57:14 Speaker 05 So so my issue was, yeah.
57:16 Caleb Hammer? Really moved in after three fucking days?
57:18 Speaker 05 Yeah.
57:19 Caleb Hammer? That is wild.
57:20 Speaker 05 And.
57:20 Caleb Hammer? That is.
57:21 Speaker 05 Well, to be fair, at first her flight got delayed. They messed up. They were trying to get her to go to South Dakota. Yeah. Instead of Oregon, which was weird. They they basically wanted me to, instead of getting picked up in New York, they thought I was in South Dakota. Yeah.
57:36 Caleb Hammer? You guys been on TikTok and flew across the damn country?
57:38 Speaker 05 Yeah, it was a nine hour flight. We were only talking for like a month and a half.
57:41 Caleb Hammer? It was not a nine hour flight. You must have had a layoff.
57:43 Speaker 05 Yeah, I did.
57:44 Caleb Hammer? Okay.
57:45 Speaker 05 But, um, and so I basically tried to call them because US Bank is not in New York. There there wasn't anyone nearby that was like, the closest one was like, I think it was six hours away in New York. And shortly after, I was trying to figure out how to pay that card. And then her bank account. Yeah, and then someone hacked that account, so I wasn't able to get back in there. And yeah, that is past due as well. Well, it was a whole thing with the bank. They thought she was like some threat from like Mexico or something like, uh. Yeah, they basically thought I was a terrorist trying to get back into my own account. Yeah, it was crazy.
58:20 Caleb Hammer? Are you Mexican?
58:21 Speaker 05 No.
58:22 Caleb Hammer? I was gonna say, you're pretty pale.
58:25 Speaker 05 Damn.
58:26 Speaker 02 Go, you can.
58:27 Speaker 05 I guess I need to go tanning now.
58:29 Speaker 02 No, that's not what I meant.
58:31 Speaker 05 Let's add that to it.
58:31 Caleb Hammer? Keep your skin young.
58:33 Speaker 02 Yeah, it was like a whole thing and then she couldn't like pay them. They were like, go, you have to go in and she couldn't go in.
58:38 Speaker 05 No, yeah, they they basically wanted me to go in and verify myself. But yeah, that is.
58:42 Caleb Hammer? I see some numbers on here. It's very blurry. So they're telling me, okay, it looks like there is a settlement amount. So you owed seven hundred twenty three.
58:49 Speaker 05 Yes.
58:50 Caleb Hammer? There's a set amount of two fifty three to pay it off completely.
58:53 Speaker 05 Yes.
58:53 Speaker 02 Well, her parents didn't mail that in time. So that's actually dated from September of last year. So not even sure if that's still gonna be valid. And I don't, did you call?
59:02 Caleb Hammer? Well, let's at least act as it is. No, of course you didn't.
59:05 Speaker 05 No.
59:06 Caleb Hammer? She's never done a single adult thing in her life. Actually, you probably, I mean, you never grew up, did you? You lived at home until you moved in with her and mooched off of her. So.
59:16 Speaker 05 Like, I I was with my ex. I lived with her.
59:19 Caleb Hammer? Mooched off your ex. Okay, so mooched off ex, mooched off parents, mooched off her.
59:23 Speaker 02 No, she actually was the anchor with your ex.
59:25 Speaker 05 I basically had to be her sugar mama and basically pay for everything for my ex. Cause she, she, she decided.
59:31 Caleb Hammer? For that then.
59:32 Speaker 05 Um.
59:33 Caleb Hammer? Exactly.
59:34 Speaker 05 I don't even know the number.
59:35 Caleb Hammer? Ford Fusion. This is the lease?
59:39 Speaker 02 No, no, that's my car.
59:41 Caleb Hammer? That you're.
59:42 Speaker 02 No, no, this is my vehicle.
59:44 Caleb Hammer? You, but you were complaining about hers and you have this. Shut the fuck up. It's a thirteen point two five percent interest rate.
59:50 Speaker 02 I got in a car.
59:51 Caleb Hammer? You have no moral superiority in this conversation.
59:54 Speaker 02 I got in a car accident.
59:55 Caleb Hammer? Does she pull that in conversations often? Acting like a moral superior?
1:00:00 Speaker 05 Yes, most definitely.
1:00:01 Caleb Hammer? You can't do that. You guys are on the same playing field. What's the? You do that. You've done that in this conversation.
1:00:08 Speaker 02 Well.
1:00:09 Caleb Hammer? Why do you think?
1:00:09 Speaker 02 Fair, whatever, fine. But I got in a car accident and I needed a car.
1:00:12 Caleb Hammer? Dismissive.
1:00:13 Speaker 02 I got in a car accident. I needed a car.
1:00:15 Caleb Hammer? Congratulations, but you are incredibly dismissive or you're not able to have a conversation and address your own internal issues. You're not willing to have other people talk about what you might improve about yourself? I know that's hard in the moment, but as long as you reflect on it, like, I get it. We as human beings, like, when somebody confronts me in person, that is difficult. But I'm able to reflect.
1:00:37 Speaker 02 I'll reflect later, but I needed a car.
1:00:38 Caleb Hammer? Are you actually, is she able to reflect? Is she a reflector?
1:00:41 Speaker 02 I don't reflect with her with the conversation.
1:00:42 Caleb Hammer? No, but she would see it. She lives with you. She's engaged. You guys have been together for three years. I think she could answer the question.
1:00:48 Speaker 05 She, she reflects eventually. It just takes.
1:00:52 Speaker 05 Baby steps.
1:00:53 Caleb Hammer? You guys fucking like each other?
1:00:55 Speaker 02 Hmm. Yeah.
1:00:57 Speaker 05 Yeah.
1:00:58 Caleb Hammer? Just not maybe right now in this conversation.
1:01:01 Speaker 02 Yeah.
1:01:01 Caleb Hammer? Just fair enough.
1:01:02 Speaker 02 When it comes to finances, like really, no, we don't.
1:01:05 Caleb Hammer? It's one of the leading causes for divorce and you guys are joining the demographic of the leading divorcees.
1:01:10 Speaker 02 Yeah.
1:01:11 Speaker 05 Yeah.
1:01:11 Caleb Hammer? Maybe we should get on the same page here. Have we gone to couples therapy?
1:01:15 Speaker 02 No, we're gonna do that before we get married.
1:01:17 Caleb Hammer? Good.
1:01:17 Speaker 02 With the marriage license.
1:01:18 Caleb Hammer? You get three free therapy sessions, thanks to Sondermind, one of our partners, so take advantage of that.
1:01:23 Speaker 02 Okay.
1:01:24 Caleb Hammer? I use them personally and I always recommend the audience uses them as well. They're great.
1:01:29 Caleb Hammer? Oh, I'm being told you were given a chance to call.
1:01:33 Caleb Hammer? Oh, it expired in September.
1:01:35 Speaker 02 Her credit card? Yeah.
1:01:37 Caleb Hammer? Now, the potential settlement thing, it's hard to say, it's very.
1:01:40 Speaker 02 Yeah.
1:01:40 Speaker 05 Yeah.
1:01:43 Caleb Hammer? Okay. Okay.
1:01:45 Speaker 02 Alright.
1:01:47 Caleb Hammer? Okay, so the Ford Fusion is here.
1:01:48 Speaker 02 Yes.
1:01:49 Caleb Hammer? A five hundred, one dollar a minute with the payment, you cannot afford this right now.
1:01:52 Speaker 05 And then also. Also, she has a check engine light, one of her lights are not working.
1:02:00 Caleb Hammer? What, one of what lights? What light is it?
1:02:02 Speaker 05 Okay, so. Passenger light, cuz she was driving.
1:02:05 Caleb Hammer? Okay, well, that's, what do you mean, of like a headlight?
1:02:07 Speaker 05 Yes.
1:02:07 Speaker 02 It's my car.
1:02:08 Caleb Hammer? You're gonna get pulled over. Yeah, it's your, what the fuck does that mean?
1:02:11 Speaker 02 Cuz let me talk. I hit a pothole, so I was trying to go to the city.
1:02:14 Caleb Hammer? Talk to her all the time, why are you being a?
1:02:15 Speaker 02 Cuz this is about my car. I tried to get help with it cuz I hit a pothole in the city and sometimes you can like go to court and, or whatever.
1:02:22 Caleb Hammer? When was that?
1:02:23 Speaker 02 Last, last year or something.
1:02:25 Caleb Hammer? Yeah, it sounds like you didn't try to get help for that.
1:02:27 Speaker 02 I did, I went down to the city and they said no.
1:02:29 Caleb Hammer? Well, there you go. Congratulations, so get it fixed, it's been a year.
1:02:35 Caleb Hammer? Congratulations, welcome to adulthood, you have two kids.
1:02:37 Speaker 02 I was gonna get it fixed, it's a thousand dollars, at least with one quote I got.
1:02:40 Caleb Hammer? You shouldn't have a thousand dollars, but you guys blow eight hundred dollars on miscellaneous bullshit. So, what was it? Uh, five hundred dollars on going out to eat?
1:02:47 Speaker 02 Well, my check engine light's on.
1:02:48 Speaker 05 Five hundred dollars?
1:02:49 Caleb Hammer? Five hundred dollars. It is that much?
1:02:52 Speaker 02 I told you.
1:02:52 Caleb Hammer? Unknown shopping, things we don't a hundred percent know, was about six hundred fifty-two, probably half bullshit and half not, that's typically how we find it. Other large purchases, many times bullshit, one thousand six hundred and nineteen dollars. We'll go over that soon, but we're getting your debt now. You, you don't have enough to pay for that. You, you don't have enough to pay for your rent. You don't have twenty-five dollars to put to your card. You're immature. You're spoiled brats.
1:03:14 Speaker 02 At least I have car insurance.
1:03:15 Caleb Hammer? You enable each other. Congratulations for doing a basic bare minimum.
1:03:19 Speaker 05 To get car insurance.
1:03:21 Speaker 02 Thank you.
1:03:24 Speaker 02 I got a lot of bills to pay.
1:03:25 Caleb Hammer? What a joke, joke.
1:03:32 Speaker 02 I had her on my car insurance.
1:03:33 Caleb Hammer? How they let you get this lease without car insurance?
1:03:36 Speaker 02 I added her to my car insurance and then it racked it up to a thousand dollars. So I told her I couldn't afford that and she had to figure it out on her own because I help her a lot.
1:03:44 Caleb Hammer? No wonder you guys haven't been put combined accounts because lots of mine hers, mine hers. And you guys should be like that right now because you're not married, but oh my, this is insane. What do you think the car is worth? The oh sixteen thousand on it?
1:03:57 Speaker 02 My car, I've gotten quotes. It's like eight, nine is the most I've gotten offered. Yeah.
1:04:03 Caleb Hammer? Yeah, underwater by over six thousand dollars. Well done.
1:04:07 Caleb Hammer? At a thirteen point two five percent interest rate, are you kidding me? Come on. How long have you not had car insurance?
1:04:14 Speaker 05 Uh, so I've had it. I had it for a month.
1:04:17 Caleb Hammer? Yeah. How about how long have you not had car insurance was the answer to the
1:04:20 Speaker 05 Five months.
1:04:22 Caleb Hammer? Five months.
1:04:23 Speaker 02 November.
1:04:26 Caleb Hammer? Something I haven't recommended on the show before, but I'm unfortunately getting to with you guys.
1:04:33 Caleb Hammer? Delay the marriage. You're not ready yet. You're not ready yet. You want to be more financially well off. You're not because you can't control yourself, but either way. She's an anchor right now, holding you guys back even still with her behavior, her desire, her lack of desire to change. And how bad this all is. Do not get married. Yeah, you guys are not ready.
1:04:55 Caleb Hammer? Again, you're already in the highest statistical category for getting a divorce. Why add one of the leading causes for divorce? This is so messy. Do not get married yet. Get married eventually, but only after you guys fix this. I'm glad you guys are ready to go to therapy. And you guys need to use the simpler budget app that we created. Okay.
1:05:17 Speaker 05 Okay. All right.
1:05:19 Caleb Hammer? But I don't think, well, it, it, it works based on the user. Therapy is only good based on what you do. You don't just go there and sit. It, you, it's actions afterwards. You get homework. The budgeting app doesn't work if you're not putting in the work, if you're not categorizing things. She's being annoying again.
1:05:36 Speaker 05 Yeah.
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1:06:22 Caleb Hammer? goals. So if you're tired of your low interest rates, check out the link in the description for money.com's list of the best CDs. Straightforward and your future self will thank you for that extra cash. So head to the link in the description of today's episode. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners.
1:06:38 Speaker 05 You're welcome.
1:06:38 Caleb Hammer? How, how, how do you like this? How do you guys, you're a defensive and she's an obnoxious child. How do you guys put up with each other? I can't for barely an hour right now.
1:06:49 Speaker 05 It's already been an hour?
1:06:52 Caleb Hammer? She says everything like she's looking like weirdo. She's, everything is like, the pitch goes up. It's already been an hour? What? Like everything's like performative with her, but her entire life is a joke. I will ask to the audience for the sake of the audience right now, because you guys seem insane, but you know, what the finances we look for, that's typically what we get. You guys applied to come on the show. From where?
1:07:20 Speaker 05 I applied.
1:07:20 Caleb Hammer? From where? Like, watching the YouTube videos?
1:07:24 Speaker 02 Yeah, and also my assistant manager recommended it. Yeah.
1:07:28 Caleb Hammer? Yeah. Yeah. See, this is actually
1:08:01 Caleb Hammer? This exists. These are your neighbors. These are the people in your lives, your coworkers. Like, your coworker recommended it, you said, your assistant manager?
1:08:06 Speaker 02 Yeah.
1:08:10 Caleb Hammer? So she knows your finances are
1:08:12 Speaker 02 No, she just knows a little bit of the backstory between, like, me and her.
1:08:16 Caleb Hammer? Oh, she was like, you guys are both cheating pieces of should go on the show?
1:08:19 Speaker 02 She didn't know that part. No, she just said
1:08:21 Caleb Hammer? Well, they do now.
1:08:22 Speaker 02 Well, yeah.
1:08:23 Caleb Hammer? What do you think about that?
1:08:25 Speaker 02 They kind of already know.
1:08:26 Caleb Hammer? They kind of already know.
1:08:27 Speaker 02 We're open. We're all girls.
1:08:28 Caleb Hammer? Yeah, I bet you guys are gonna be very open in the future.
1:08:35 Speaker 02 What are you trying to say?
1:08:36 Caleb Hammer? Open relationship.
1:08:37 Speaker 02 No.
1:08:38 Caleb Hammer? Or divorce, cuz that's how you guys operate. Not you guys as in a you guys situation.
1:08:44 Speaker 02 We already tried that.
1:08:44 Caleb Hammer? Huh? You guys tried open. Who wanted to be open? And?
1:08:48 Speaker 05 It didn't work that well.
1:08:50 Caleb Hammer? Why?
1:08:51 Speaker 05 Uh... So basically, when we went to Austin last time, we met up with her best friend.
1:08:57 Caleb Hammer? You fucked her best friend?
1:08:58 Speaker 05 It was a threesome.
1:08:59 Caleb Hammer? Oh, my God.
1:09:00 Speaker 02 No, that's not what it was.
1:09:08 Speaker 02 I was just there.
1:09:09 Caleb Hammer? This is a human centipede of
1:09:12 Caleb Hammer? What did you? You were just there? You sat in the cuck corner?
1:09:15 Speaker 02 I was
1:09:16 Caleb Hammer? She sat in the cuck corner?
1:09:17 Speaker 02 No, she was right next to And they just... Which is crazy, cuz they didn't really like each other. They still kinda don't.
1:09:24 Caleb Hammer? But you were attracted to each other.
1:09:26 Speaker 02 No, they're not.
1:09:27 Caleb Hammer? What the [__]? You guys are so weird.
1:09:30 Speaker 02 She blames it on the alcohol, but I don't know.
1:09:35 Speaker 05 I was drunk, so.
1:09:36 Caleb Hammer? And she's still like your best friend?
1:09:38 Speaker 02 Not, we haven't really talked that much.
1:09:40 Caleb Hammer? Yeah, since your fiance.
1:09:42 Speaker 02 No, no, just recently.
1:09:44 Caleb Hammer? And you watched?
1:09:45 Speaker 02 Not necessarily. I was actually watching like the TV.
1:09:48 Caleb Hammer? And you were okay with this?
1:09:49 Speaker 05 She thought it was hot, so.
1:09:51 Caleb Hammer? She was watching TV?
1:09:53 Speaker 02 Yeah.
1:09:54 Speaker 05 In and out of the TV.
1:09:56 Speaker 02 I was mostly watching the TV, but I was like, okay. When I came back after I like changed, they were like cuddle up in the bed together. So I like slept on the.
1:10:03 Caleb Hammer? Oh, yeah, people cuddle after sex.
1:10:05 Speaker 02 No, it was before that. So I was like, oh.
1:10:09 Caleb Hammer? That's a bit weird. Why can't you guys keep it in the pants, dude? You guys are not gonna end well. This is not gonna end well. Who has the quicksilver? This is not.
1:10:19 Speaker 02 That's hers.
1:10:21 Caleb Hammer? Very quick to call that out. Okay. Go on. What's going on with this other second credit card that you're over the limit on? The good one at finances?
1:10:33 Speaker 02 I don't really know.
1:10:34 Caleb Hammer? Oh, good. Why would we? Why would we know?
1:10:37 Speaker 02 I just got an approval with the credit karma and I was trying to like get my.
1:10:40 Caleb Hammer? With the credit karma. Yeah, you're over the credit limit. I don't think that's how you get your credit up.
1:10:44 Speaker 02 Why not when I originally got the card?
1:10:45 Caleb Hammer? Yeah, you are now, though, and that's all I give a about.
1:10:50 Caleb Hammer? Okay, great. Twenty five dollar minimum payment. Oh, you made this one. Good job. Proud of you.
1:10:59 Speaker 02 It's on auto pay.
1:11:01 Caleb Hammer? Yeah, so was the last one and it got denied because you didn't have enough money checking account because you don't want to manage it because you're a literal child. And then even after the twenty five dollars of purchases, there are twenty or twenty five dollars of payment. There's a twenty eight dollars of purchases and seven cents with five dollars and nine cents of interest, taking you from a hundred ninety nine dollars fifty three cents, which was a little under the credit limit of two hundred to now above the credit limit at two hundred four dollars and sixty seven cents.
1:11:28 Speaker 05 Damn, did not know that she's using that much.
1:11:31 Speaker 02 You did. I told you I had to go to the Dollar Tree. That's why I had to use the.
1:11:34 Caleb Hammer? Why'd you have to go to the Dollar Tree plus Amazon?
1:11:36 Speaker 02 She ran out of everything.
1:11:38 Speaker 05 Addiction to Amazon.
1:11:40 Caleb Hammer? Let me see your orders. Pull them up. Start a screen recording. We'll blackout private information.
1:11:45 Speaker 05 There was two weeks in a row that she had two to three packages a day at our apartment.
1:11:53 Caleb Hammer? Were they necessities like?
1:11:55 Speaker 05 No, just random stuff that she she saw on TikTok that she wanted.
1:11:59 Caleb Hammer? You've had so many fees, so many fees last year. You were late like five times on here.
1:12:03 Speaker 05 Yeah.
1:12:04 Caleb Hammer? Oh, what a this. You guys are good. This is a this is a this isn't a ticking time bomb. This is exploding before our eyes. Wow, you came on at the I think before the last minute. I think you guys are done. Think you guys are done. You guys get along. You know what's interesting? We have couples that come on and they they they beg her a little bit because they're getting confronted with their finances. Sometimes it's easier to deflect to the next person. But usually the pre screening calls are a little pleasant. I'm not on them, but I hear about them. You guys were fighting on the pre screen call.
1:12:38 Speaker 02 Well, there are things that she mentioned that I didn't even know about, like the the video.
1:12:41 Caleb Hammer? Yeah, you guys were fucking fighting like this is already. You guys are fucking done.
1:12:47 Caleb Hammer? Cheater done. Okay, come on.
1:12:49 Speaker 02 I want to say some of these I had a gift card.
1:12:51 Caleb Hammer? Don't care.
1:12:51 Speaker 02 Okay.
1:12:52 Caleb Hammer? I just want to see where.
1:12:54 Speaker 05 Put it out.
1:12:55 Caleb Hammer? Yes. Yes, this is.
1:13:01 Caleb Hammer? And whose phone if I search has Tinder or Hinge or Bumble?
1:13:04 Speaker 02 Nobody's phone has that.
1:13:06 Caleb Hammer? We're confident in those.
1:13:07 Speaker 02 She doesn't like the dating apps and they all know what Tinder is for, so I'm not on there.
1:13:11 Caleb Hammer? It's the.
1:13:12 Speaker 02 Yeah, I'm good.
1:13:15 Caleb Hammer? Uh, a sandwich cutter, really necessary for survival. A dishwasher magnet, clean and dirty, really necessary for survival.
1:13:23 Speaker 02 That's still on my gift card.
1:13:24 Caleb Hammer? Another duvet that I bet you did not have.
1:13:27 Speaker 02 Gift card. It was for my birthday.
1:13:28 Speaker 05 We literally had a duvet, but she didn't like it no more, so she wanted to switch to pink.
1:13:33 Caleb Hammer? Okay, can't do.
1:13:33 Speaker 02 But it's on my gift card that you got me for my birthday.
1:13:36 Caleb Hammer? Modern silky soft threaded sheets, one hundred twenty eight gig micro SD.
1:13:43 Speaker 02 It's for the switch for the kids.
1:13:44 Caleb Hammer? Oh, my.
1:13:45 Speaker 02 For Christmas.
1:13:47 Caleb Hammer? Christmas, you cannot afford a switch.
1:13:50 Caleb Hammer? Okay, so we have cats cuz you got a new litter. You didn't have a new litter holder before?
1:13:55 Speaker 02 When we moved, we needed like
1:13:56 Caleb Hammer? We did move?
1:13:58 Speaker 02 Uh, in October.
1:13:59 Caleb Hammer? Oh my But you just got this in at the end of last month.
1:14:02 Speaker 02 Yeah, I, we switched rooms with the kids and everything, so
1:14:05 Caleb Hammer? Pork cleaner, carrying case for Nintendo, a charger for the Switch, it came with one. If I'm not mistaken, another dock station, doesn't it come with one?
1:14:13 Speaker 02 So my son didn't have one because somebody left it in my old leasing office, so
1:14:17 Caleb Hammer? My Paw Patrol, right?
1:14:20 Speaker 02 Yeah, that was
1:14:20 Caleb Hammer? Memory foam mattress. You didn't have a mattress?
1:14:24 Speaker 02 My cat had like an incident and like peed on it, so I had to get
1:14:27 Caleb Hammer? Had an incident. Sounds like it just peed on it. What do you mean had an incident? Peeed?
1:14:31 Speaker 02 Um, it was, it's a long story.
1:14:33 Caleb Hammer? Was it breaking?
1:14:34 Speaker 05 No, so, so basically we were in the middle of a move and, and I guess we blocked her litter box. And so she peed on one of the kids beds.
1:14:44 Caleb Hammer? I absolutely love cats and I want cats again. This is one of the reasons why I want them. They're just so, if they don't have the absolute perfect condition, they're so picky about life.
1:14:57 Caleb Hammer? Okay. Like, I don't know how they ever survived in the wilderness before they became
1:15:02 Speaker 02 No idea. Especially our cat, she's very like
1:15:04 Caleb Hammer? Zigage, HDMI cables, headset.
1:15:09 Speaker 02 All Christmas.
1:15:10 Caleb Hammer? Hair extensions for who?
1:15:14 Speaker 02 I think I bought that and returned it, but it was for me.
1:15:16 Caleb Hammer? Okay.
1:15:16 Speaker 02 This is my real hair.
1:15:18 Caleb Hammer? Yeah, your hair's nice. It's a new one?
1:15:19 Speaker 02 Mm-hmm.
1:15:20 Caleb Hammer? Okay.
1:15:21 Speaker 02 Mostly everything was from Christmas, but that was also a whole situation because she spent more money than I, than she had, and then I couldn't pay rent.
1:15:27 Caleb Hammer? You guys aren't allowed to spend money when you can't pay for rent. Exactly. That, that's the point. Thirty point two four percent interest on here. It's horrible. Horrible.
1:15:37 Speaker 02 Yeah, my credit was not great. So I thought the credit card would help.
1:15:41 Caleb Hammer? You over maxed it out? What the fuck are you talking about?
1:15:44 Speaker 02 I wasn't planning on maxing
1:15:46 Caleb Hammer? Well, obviously you're not a credit card person then cuz you can't manage it, which is, I mean, that's clear as day. You don't open credit cards if you haven't been able to prove that you, your other credit cards were already maxed out. What made you think you could manage a $200 card? There is no, no example in here that would suggest that.
1:16:06 Speaker 05 We needed the extra money.
1:16:08 Caleb Hammer? There's an actual response. Do you want a snack? Do you need a little snackage?
1:16:12 Speaker 05 No.
1:16:13 Caleb Hammer? You're grumbling, you're tumbling, you're grumble. Go grab a snack. It's okay.
1:16:16 Speaker 05 Okay.
1:16:17 Caleb Hammer? Well, go grab a snack. I'd like to not have an everture brown in front of me for a second anyway. So that's okay. Oh, she's tall. I made fun of her for being shorter. She looked, I was sitting down in that chair.
1:16:28 Speaker 02 They gotta be taller than me, so.
1:16:29 Caleb Hammer? Well, how tall are you?
1:16:31 Speaker 02 I'm five three.
1:16:31 Caleb Hammer? How tall is she?
1:16:32 Speaker 02 Five seven.
1:16:33 Caleb Hammer? Oh, she's not that tall.
1:16:35 Speaker 02 Well, she.
1:16:35 Caleb Hammer? But I guess for a woman, isn't that a little tall?
1:16:37 Speaker 02 Just a little bit.
1:16:38 Caleb Hammer? Okay. I don't know the average height. I am five nine, the average American male.
1:16:44 Caleb Hammer? Including in weight, unfortunately. Alright, so. We're overdue on, whatever the screenshot is. Usually screenshots equal her.
1:16:54 Speaker 05 Yeah, that was the card that I had.
1:16:56 Caleb Hammer? Barbecue lays, good choice. Just don't eat into the mic.
1:17:00 Speaker 02 Oh yeah, that's her, that's her cash app account.
1:17:02 Caleb Hammer? Okay, your cash app is behind, great. So.
1:17:05 Speaker 05 Yeah, that's the one I was talking about.
1:17:06 Caleb Hammer? What's the total balance owed on here? I mean, I see a three hundred twenty one dollar payment. I'm sure your cash app loans are denied.
1:17:13 Speaker 05 Uh, yeah.
1:17:14 Speaker 02 Once she pays, she has to delete her account.
1:17:16 Speaker 05 Yeah, and then I got a warning that I have to delete my car, uh, delete my account and make a new one if I want to have cash app.
1:17:21 Caleb Hammer? Okay, if you crunch into that mic, I will literally shank you.
1:17:26 Caleb Hammer? This is a podcast lady. Yes, she's such a little memeser, isn't she, and everything?
1:17:31 Speaker 02 Basically.
1:17:31 Caleb Hammer? So you have a third child that you've brought on?
1:17:34 Speaker 02 It feels like it sometimes, yeah.
1:17:35 Caleb Hammer? Can we mute her mic real quick? Let's mute her mic for the sake of the audience. If I have to ask her a question, we can turn it on. Let's mute the, the. Okay, so you don't even know what, like, the to, is that the total? So that's the total. So all you have to do is do three hundred twenty one dollars and seventy cents and then you're good. It's crazy, man.
1:17:54 Speaker 05 Yeah, and then they all, they also will let me do payments.
1:17:57 Caleb Hammer? Can I see that bag real quick? Can I see that bag real quick? I changed my mind. It's annoying.
1:18:04 Speaker 05 Damn, and then you're gonna eat it?
1:18:06 Caleb Hammer? I'm hungry.
1:18:07 Speaker 05 How are you gonna offer me to get a snack and I can't even eat it?
1:18:10 Caleb Hammer? You had a couple trips, you're fine.
1:18:13 Speaker 02 It'll settle, it'll settle.
1:18:16 Caleb Hammer? Alright, whose credit karma am I looking at?
1:18:19 Speaker 02 Um, I don't know, you gotta let us know what's on there.
1:18:22 Caleb Hammer? I didn't see the lease.
1:18:25 Speaker 02 Do you need our lease? I can pull it up.
1:18:27 Caleb Hammer? Well, it might still be in here.
1:18:29 Speaker 02 Oh wait, for her car?
1:18:30 Caleb Hammer? Yeah, where's the lease?
1:18:31 Speaker 02 I just wrote, I just sent the email to Lindsay. She doesn't, she can't access anything.
1:18:35 Caleb Hammer? Why?
1:18:36 Speaker 02 It's under her grandma's name. Everything has to go through her grandma.
1:18:39 Caleb Hammer? You're really willing to [BLEEP] your grandma over too, so your fiance is not enough to [BLEEP] over? You're gonna over [BLEEP] grandma ma? There's gonna be a time where you are not making the payment. One of you is gonna cheat on each other and the other one's gonna U-Haul the [BLEEP] out of there. And then all of a sudden you can't afford bills and you're gonna [BLEEP] over your grandma because it's not her name. What?
1:18:58 Caleb Hammer? Is that your [BLEEP] grandma? Are you on it at all?
1:19:00 Speaker 05 Uh, co, but, but.
1:19:02 Speaker 02 I don't think she is though.
1:19:03 Caleb Hammer? Alright, so what's the lease term length?
1:19:06 Speaker 05 Um, they said that it would be paid off by the age of me being thirty-one.
1:19:11 Caleb Hammer? No, that doesn't make sense. You did not, you didn't get a seven-year lease.
1:19:16 Speaker 05 Yeah, that's what it was.
1:19:17 Caleb Hammer? No.
1:19:19 Speaker 02 I, I can't even tell you I wasn't there, so I'm not sure.
1:19:21 Speaker 05 That's what I thought it was.
1:19:23 Caleb Hammer? Are you sure it's a lease and not a loan?
1:19:25 Speaker 02 Did you lease it or did, did you get a loan?
1:19:27 Speaker 05 Hmm.
1:19:29 Caleb Hammer? Oh my [BLEEP], you don't know anything. This has to be a loan.
1:19:32 Speaker 05 Then it must be.
1:19:33 Caleb Hammer? Yeah, car loans are available, but obviously.
1:19:37 Speaker 02 I mean, her grandma has really good credit, so I mean, are you, did you lease it or did you?
1:19:43 Speaker 05 Well, the total of it is.
1:19:45 Caleb Hammer? This has to be a loan.
1:19:46 Speaker 05 Thirty-one and then the first.
1:19:48 Caleb Hammer? Thirty-one what? Thirty-one what?
1:19:49 Speaker 05 Well, no, thirty-two.
1:19:51 Caleb Hammer? Thirty-two what?
1:19:52 Speaker 05 Grand.
1:19:53 Caleb Hammer? It.
1:19:54 Speaker 05 For the car.
1:19:55 Caleb Hammer? How much was the car?
1:19:56 Speaker 05 Thirty-two.
1:19:57 Caleb Hammer? And the loan, and the amount that you have to pay back is thirty-two?
1:19:59 Speaker 05 Yes.
1:20:00 Caleb Hammer? That's not a [BLEEP] lease.
1:20:02 Speaker 05 Then what is that?
1:20:03 Caleb Hammer? It's a loan for the entire car. And you said it's a 0% interest? No, it's not. You probably had 0% for like an introductory month or something. Maybe six months. I bet this is like 20%, something crazy and you have no idea. Download credit. When'd you get it?
1:20:20 Speaker 05 Um.
1:20:22 Caleb Hammer? When'd you get it?
1:20:23 Speaker 05 Back in the.
1:20:24 Caleb Hammer? Download credit karma for me. Are you on the wifi?
1:20:27 Speaker 05 Yeah.
1:20:28 Caleb Hammer? Good. Download credit karma for me. Do you have credit karma?
1:20:30 Speaker 05 Yeah.
1:20:30 Caleb Hammer? Down. Open it. Open it. Open it. Open it. Or is this your credit karma? Whose credit karma is this?
1:20:36 Speaker 05 That credit karma is mine.
1:20:37 Caleb Hammer? So you have student loans?
1:20:38 Speaker 05 I sent a screenshot. Yeah, I do.
1:20:40 Caleb Hammer? Okay.
1:20:41 Speaker 05 I've kept up with those. They're deferred, so I'm not getting extra interest.
1:20:44 Caleb Hammer? Deferred because you were in the safe plan?
1:20:46 Speaker 05 Yeah.
1:20:47 Caleb Hammer? So just like I almost say every episode, I feel now, that's being challenged in court and we also have a new head of the Department of Education. You're likely going to have to start paying on those again.
1:20:55 Speaker 05 Yeah.
1:20:56 Caleb Hammer? I'd prepare for about $150 payment.
1:20:59 Speaker 05 Roughly that's what they are. 120 to 150.
1:21:00 Caleb Hammer? Yeah, but you're in deferment right now.
1:21:02 Speaker 05 Yeah.
1:21:03 Caleb Hammer? Over here. Yes. Yes. That is for me. Okay. Oh, good. 533. That's who I'd want to partner with for credit school.
1:21:15 Speaker 05 Well, eventually I'm going to get open a different credit, uh, different banking and then
1:21:20 Caleb Hammer? Banking.
1:21:21 Speaker 05 Cause uh, with, with Chase, they, since my credit is so bad because of the US bank card, uh, they, they won't let me open a savings or get a credit card with them.
1:21:32 Caleb Hammer? Touch the table again. I will smash your fingers. They are loud. You are an actual little good thing I didn't become a teacher because I would have like murdered. Oh my gosh. Open accounts. Okay.
1:21:47 Speaker 05 I don't think it's gonna show.
1:21:48 Caleb Hammer? It's not showing yet.
1:21:50 Speaker 05 Yeah, cause if you
1:21:51 Caleb Hammer? Are you sure you're on it?
1:21:52 Speaker 05 Yeah, that's what I'm wor- I'm like worried about.
1:21:54 Caleb Hammer? Wait, total accounts. Wait, one second. One second. Nope.
1:21:59 Speaker 05 I feel like with the cosigner, she would be on it somewhere, right? So I don't know if she cosigned or not.
1:22:03 Caleb Hammer? Yeah.
1:22:04 Speaker 05 Then maybe I'm not on it. Maybe it's just so
1:22:06 Caleb Hammer? What's the payment monthly?
1:22:07 Speaker 05 Um.
1:22:10 Speaker 05 Um, five sixty-eight and some change.
1:22:15 Caleb Hammer? And the balance is thirty-one thousand?
1:22:17 Speaker 05 Uh, yes.
1:22:19 Caleb Hammer? Is this a new phone?
1:22:21 Speaker 05 No. It's her old phone.
1:22:24 Caleb Hammer? You have a new phone.
1:22:25 Speaker 05 Cause she likes to get the phone.
1:22:26 Caleb Hammer? Thinks that you get to get a new phone.
1:22:28 Speaker 02 They're both paid off.
1:22:29 Caleb Hammer? They are paid off?
1:22:30 Speaker 02 Yeah, we switched to Spectrum and they paid it off.
1:22:32 Caleb Hammer? What? Oh, really? Oh, so you're under contract now, probably?
1:22:35 Speaker 02 No, we were with Verizon and then when we switched to Spectrum, they paid off our loans. Yeah.
1:22:39 Caleb Hammer? I'm guessing because you probably got locked under contract.
1:22:42 Speaker 02 With Spectrum? Yeah, it's only thirty-five dollars a month, though.
1:22:44 Caleb Hammer? Yeah, how long's the contract?
1:22:46 Speaker 02 Twelve months. I was thinking about switching.
1:22:48 Caleb Hammer? Thirty-five per?
1:22:50 Speaker 02 No, total.
1:22:51 Caleb Hammer? Oh, that's actually usually pretty good.
1:22:52 Speaker 02 Yeah, Verizon, I was paying like three hundred and I was like, that's getting ridiculous and they have fees and they can't explain them.
1:22:57 Caleb Hammer? No, we tell people to do helium for fifteen bucks a month. It's the same as Team.
1:23:01 Speaker 06 Honey, that flu keeping you up? Did you take Nyquil intense flu?
1:23:05 Speaker 03 Nah, I got this. Hmm, okay, I don't got this.
1:23:10 Speaker 06 Yeah, you need Nyquil intense flu. Undo your flu with Nyquil intense flu. Nyquil intense flu provides powerful relief of your flu symptoms so you can sleep. You do got this. Nyquil intense flu, the nighttime sniffling, aching, aching fever, best sleep with a flu medicine. Uses directed, keep out of reach of children.
1:23:30 Caleb Hammer? Mobile essentially for coverage. Um, but at the two lines that you guys are already at, you're a little losing like five bucks, but that's not the worst. I don't like that you're in the contract, but okay. Okay, so student loans, we don't need to worry about yet, but maybe here eventually.
1:23:51 Caleb Hammer? Oh, so the balance on our student loans is like thirteen thousand, right?
1:23:56 Speaker 02 Uh, no, it should be about ten.
1:23:57 Caleb Hammer? Then is this your credit card or do you have student loans?
1:24:00 Speaker 05 No, that's hers.
1:24:01 Speaker 02 Unless it's in the numbers. That's my car. My student loans are ten.
1:24:05 Caleb Hammer? There's Department of Education here, two thousand three hundred sixty-eight. Then on there, there was ten thousand nine hundred fifteen.
1:24:10 Speaker 02 The ten thousand's the total. I have three student loans.
1:24:13 Caleb Hammer? Then why am I seeing it? No, I'm seeing them separate.
1:24:17 Speaker 02 They're separate because they didn't have a maternity program, so I had to like quit and then re-enroll.
1:24:22 Caleb Hammer? I'll leave it at ten thousand.
1:24:23 Speaker 02 Yeah, it was weird. They didn't have maternity leave. I could pull up my loans.
1:24:28 Caleb Hammer? Okay. Uh, on time. Okay, so these are other credit cards. Am I missing any debts here, guys?
1:24:37 Caleb Hammer? These are horrendous, let's be clear, but I'm missing any debts before we go into our checking accounts. Where the most of the spending is.
1:24:44 Speaker 05 I also have um an app that I need to pay back that's called Impossible.
1:24:50 Speaker 02 It's called Possible.
1:24:51 Speaker 05 Oh, Possible.
1:24:52 Speaker 02 We both have Possible. I owe one fifty. I don't know what she is.
1:24:57 Caleb Hammer? And you?
1:24:57 Speaker 05 Sixty-two.
1:25:00 Caleb Hammer? Okay, so a hundred
1:25:04 Caleb Hammer? twelve, wait, two twelve. So how much were you?
1:25:06 Speaker 02 Hmm, hold on, I have the app.
1:25:08 Caleb Hammer? No, no, what did you say?
1:25:09 Speaker 02 I think it's one fifty.
1:25:11 Caleb Hammer? Oh, okay, two twelve, okay.
1:25:14 Caleb Hammer? Anything else?
1:25:16 Speaker 02 I mean technically my car, I don't know if that's considered a debt.
1:25:18 Caleb Hammer? Your car, your vehicle?
1:25:19 Speaker 02 Yeah, I need to get fixed.
1:25:20 Caleb Hammer? We already talked about that.
1:25:21 Speaker 02 Yeah.
1:25:21 Caleb Hammer? Oh, the thousand dollars. No, I wouldn't say that. So we have earning possible indebted Harrison Harris, Dave Inc. Oh, my Bridget, they're typing them all out to me live.
1:25:30 Speaker 02 Yeah.
1:25:30 Caleb Hammer? Flex Finance.
1:25:32 Speaker 05 Oh, yeah.
1:25:33 Speaker 02 That's not a debt. That's what we use to split our, no, we use it to split our rent, Flex.
1:25:37 Caleb Hammer? Oh, Flex, well, what about all the other ones? The earning, the possible, the indebted, Harrison Harris, Dave, right? Exactly, how much do we owe?
1:25:44 Speaker 02 In total?
1:25:44 Caleb Hammer? Yes.
1:25:46 Speaker 02 I don't wanna do the math, like.
1:25:48 Caleb Hammer? Are you kidding me? How are we gonna pay debt if we're not? You guys are so four hundred and seventy dollars in a Capital One checking account, who has this?
1:25:56 Speaker 02 I'm all Capital One.
1:25:57 Caleb Hammer? Yeah, okay, cool. There's earning, fuck you.
1:26:01 Speaker 02 I told you.
1:26:01 Caleb Hammer? Going in and getting some bullshit, selling money out, McDonald's, selling money out. Good will, hopefully for the kids, hopefully not some bullshit, I don't know, who knows? Better not be a fucking toy or anything from there, better be clothes, cause they're growing good. Netflix definitely don't need it, definitely don't need it when we can't pay our fucking rent. Thrift Giant, going in and getting some BS, withdrawal was rejected, withdrawal was rejected, withdrawal was rejected.
1:26:27 Speaker 02 That's because, it's because the apps pull my money on Wednesday, but I don't get paid till Wednesday afternoon.
1:26:32 Caleb Hammer? You should not be living like that, that is a fucking joke. More earning, deposited in, Cash App out, Cash App out, Amazon Prime, Door Dashing, Raising K's. We're Door Dashing when we're living in practical poverty essentially in the future. Easy Pawn? Easy Pawn, what is that?
1:26:49 Speaker 02 We pawned my laptop to get money for rent.
1:26:53 Caleb Hammer? And you got, and then, and then literally the same day you Door dashed. We're pawning a laptop and you're Door Dashing.
1:27:02 Speaker 02 I think that's when I got it back.
1:27:03 Caleb Hammer? Mothers of the year.
1:27:06 Caleb Hammer? Burger King, earning, hot potato.
1:27:09 Speaker 02 Hot potato?
1:27:10 Caleb Hammer? DoorDash, DoorDash McDonald's.
1:27:13 Speaker 02 Told you.
1:27:14 Caleb Hammer? Hulu, McDonald's, donuts, Zellin' out money, DoorDash and McDonald's, Raising Case McDonald's, Cash App and our money.
1:27:21 Speaker 02 McDonald's is her addiction.
1:27:24 Caleb Hammer? I love it too. Look at me, I'm a fat, but guess what? I can afford it. You can't pay for your kids' roller, uh, ice skating rig for $11. Fuck your McDonald's.
1:27:36 Caleb Hammer? Your McDonald's. DoorDash, earning, Cash App, Cash App, Cash App, Apple.
1:27:47 Caleb Hammer? Earnin', Zellin' out, go in and get in some BS, go in and get in some BS, alcohol at specs.
1:27:55 Speaker 02 I think it's for her birthday.
1:27:56 Caleb Hammer? Whose birthday?
1:27:57 Speaker 02 Mine.
1:27:57 Caleb Hammer? Her birthday. She's 24, it doesn't matter. It's not a birthday that matters. You're an adult, pay for rent for your fucking kids' sakes. TJ Maxx, Amazon, Amazon, Amazon, McDonald's. Five below, likely getting some BS, Cash App and Nintendo.
1:28:14 Speaker 02 Christmas gifts.
1:28:14 Caleb Hammer? You can't afford it, sorry.
1:28:17 Speaker 02 The TJ Maxx one, that was for the white elephant for work.
1:28:19 Caleb Hammer? Amazon, don't give a fuck, you can't afford it, don't participate. Domino's, McDonald's, McDonald's, getting some BS, Ikea.
1:28:27 Speaker 02 Oh, that she paid for.
1:28:28 Caleb Hammer? Open your damn phone for me.
1:28:33 Caleb Hammer? What a joke.
1:28:36 Caleb Hammer? So you just have storage as your subscription. Open your phone.
1:28:42 Caleb Hammer? And out of all the subscriptions, it's not the one I oppose.
1:28:49 Caleb Hammer? You have Apple Music.
1:28:53 Caleb Hammer? I am, I'm glad you guys don't have a lot of subscriptions on there. I know you have Netflix and bullshit.
1:28:59 Caleb Hammer? Gotta stop that. Okay.
1:29:03 Caleb Hammer? Chase, is that you?
1:29:05 Speaker 02 Mm-hmm. Yes.
1:29:07 Caleb Hammer? Duncan.
1:29:09 Caleb Hammer? Zelling money out. DoorDash, Chick-fil-A, McDonald's are just as bad, Apple bill, DoorDash and Taco Hot. Why aren't we even DoorDash together? You guys live together. This is so fucking crazy. DoorDash, Dash Pass, selling money out, cash advance. More Nintendo, going in and getting some BS, easy pawn. What that time?
1:29:31 Speaker 02 It was, I think it's the same thing. She paid for it originally and then I paid to get it out.
1:29:35 Caleb Hammer? This is crazy, man.
1:29:39 Caleb Hammer? Going, a Wingstop, going in and getting some BS, Apple bill, Nintendo, DoorDash and McDonald's, you said she's addicted? Fuck you. Zelling out money, empower cash advance, Apple bill, market something, you went and got some bullshit. Nintendo. What's your retirement?
1:29:58 Speaker 02 I don't have anything in retirement.
1:29:59 Caleb Hammer? What a joke. What's your retirement?
1:30:01 Speaker 02 Don't go.
1:30:01 Caleb Hammer? What a fucking joke, guys. What a joke. What a, what an embarrassment of an existence. I'm sorry, it's offensive. I don't care. You need to hear it. It's real. People probably coddled you and been nice forever. It's not. You guys, it's sad and you're gonna put your kids through a fucked up future. And they're the ones that matter in this situation because they did not consent to be brought into the world, yet you brought them into the world. Probably some whoopsies here and there, sure, but they came in. Income for the house, five thousand one hundred. Rent, one more time.
1:30:34 Speaker 02 Eighteen fifty.
1:30:35 Caleb Hammer? Oh, gosh. Utilities.
1:30:38 Speaker 02 Um.
1:30:39 Caleb Hammer? Gas, electric?
1:30:40 Speaker 02 I'm gonna say like two twenty.
1:30:41 Caleb Hammer? For everything?
1:30:42 Speaker 02 Yeah.
1:30:42 Caleb Hammer? Including the internet?
1:30:43 Speaker 02 Just pay electric. Oh, with the internet, it'd be three hundred.
1:30:46 Caleb Hammer? So internet's fifty, okay.
1:30:48 Speaker 02 Mm-hmm.
1:30:48 Caleb Hammer? So utilities, two fifty, jeez. Phone bill, you said thirty-five?
1:30:52 Speaker 02 Mm-hmm.
1:30:53 Caleb Hammer? Gas, vroom, vroom, drive, drive, for you.
1:30:55 Speaker 02 Hundred a month.
1:30:56 Caleb Hammer? How much for you?
1:30:57 Speaker 02 Two hundred.
1:30:58 Caleb Hammer? So three hundred total.
1:31:00 Speaker 02 Mm-hmm.
1:31:00 Caleb Hammer? Car insurance.
1:31:02 Speaker 02 Mine's one seventy.
1:31:03 Caleb Hammer? What would yours be?
1:31:05 Speaker 02 Um.
1:31:07 Speaker 05 I'm trying to have it be around.
1:31:09 Caleb Hammer? What would it be if you got it today?
1:31:11 Speaker 05 One hundred.
1:31:12 Caleb Hammer? Can't do that?
1:31:14 Speaker 02 No, it's two hundred.
1:31:15 Caleb Hammer? Okay, two hundred plus one seventy. Okay.
1:31:18 Speaker 05 Well, the whole thing is I was just gonna have a high deductibles to have it be cheaper.
1:31:25 Caleb Hammer? Three seventy. Okay, necessary food. You get them every other week. Okay, we could probably do. Use the cookbook. Use our budget friendly cookbook. It comes with the premium version of the budgeting app. Which by the way, those who sign up for annual, you get a founder's edition, physical budgeting book with my signature. Physically signed by me.
1:31:46 Speaker 02 I do plan everything, so it's a hundred a week for me and her.
1:31:50 Caleb Hammer? Guys, you go out to eat every day, so your budget's fake. Shut up.
1:31:55 Speaker 02 But when we do grocery shop.
1:31:56 Caleb Hammer? Shut up. You go out to eat every day. Your budget's not real for groceries. You're gonna be meal prepping a few times a week and you're gonna be boring with your food. It's what it's gonna be temporarily. If we can even figure out how to get out of debt, we're about to find out. TP fund, anything for the kids, anything extra to exist, you know, all that good stuff. It's anything else, two hundred bucks for the house, necessary food, let me think. I think we could do eight hundred. Seven hundred to eight hundred. I'm gonna do eight hundred and just hope it's less. Yeah, it should be. I'm gonna do eight hundred though. Medical, healthcare.
1:32:29 Speaker 02 I'm covered through my job.
1:32:30 Caleb Hammer? Copays, anything like that though?
1:32:32 Speaker 02 Uh, seventy-five. I'm in therapy.
1:32:34 Caleb Hammer? Okay, seventy-five a session?
1:32:36 Speaker 02 Yeah.
1:32:37 Caleb Hammer? How many sessions a month? Okay, one fifty?
1:32:40 Speaker 05 And then, once I get hired on completely, um, I, um, I will start having insurance, but, um, through the temp agency, they, they don't give you.
1:32:49 Caleb Hammer? Any copays or anything?
1:32:50 Speaker 05 No.
1:32:51 Caleb Hammer? Okay, so one fifty.
1:32:56 Caleb Hammer? Subscriptions, no. You have, you have pets. How old's your cat?
1:33:00 Speaker 02 She's two.
1:33:00 Caleb Hammer? One cat?
1:33:01 Speaker 02 Yeah.
1:33:01 Speaker 05 Yeah.
1:33:02 Caleb Hammer? Get pet insurance. I'm gonna do forty bucks.
1:33:04 Speaker 02 Okay.
1:33:04 Caleb Hammer? Cause you guys could not afford an emergency. If it popped up, how much for cat food and litter on a monthly basis?
1:33:09 Speaker 02 Um, we get the big bag, so we don't buy cat food.
1:33:12 Caleb Hammer? Well, come on. Monthly basis, cat food, huh?
1:33:15 Speaker 02 Fifty bucks.
1:33:15 Caleb Hammer? Okay, fifty for both, yeah. Cool.
1:33:19 Caleb Hammer? Anything else that needs to be in your budget that I have not calculated on other than the debt which I'm about to calculate?
1:33:23 Speaker 02 Uh, tolls. I have to take the tolls. So for me,
1:33:26 Caleb Hammer? Why?
1:33:27 Speaker 02 I gotta drive to Arlington. That's forty minutes with tolls and I have to use them.
1:33:31 Caleb Hammer? What about without?
1:33:32 Speaker 02 It's an hour, but I only get a two hour lunch.
1:33:34 Caleb Hammer? Why are you going home for li- two hour lunch is great. Why are you going home for lunch?
1:33:38 Speaker 02 I'm not going home. I have to drive to Arlington to pick them up and then drive back home during those weeks. My kids.
1:33:44 Caleb Hammer? So you during lunch, you pick up your kids and bring them home?
1:33:46 Speaker 02 Yeah, I get to work an hour early and then I have a two hour lunch to make up for it. It's all week on, week off.
1:33:51 Caleb Hammer? Yeah. So who takes care of the kids while you're at work or is it remote?
1:33:55 Speaker 02 Oh, they just hang out. Yeah, they just come to work with me basically in the game room that we have.
1:34:00 Speaker 02 Or they can just go home. Either way.
1:34:01 Caleb Hammer? How much tolls?
1:34:02 Speaker 02 Um, it's a hundred a month.
1:34:06 Caleb Hammer? Five sixty-eight for debt payments. No, that's incorrect. Sorry. That was the last ad. One thousand four hundred two dollars sixty-six cents for debt payments. I'm doing this married because we're attempting to be married, which I honestly really think you guys should delay, which I do not say lightly. I would delay my marriage. Well, there it is. Sorry, guys. That's the reality of the debt situation you got yourself in. You'd have a good wiggle room if you were not in debt, but you're literally under by four hundred and ninety-seven dollars and sixty-six cents. So, couple of options, allowing some things to go to bankruptcy or allowing some things to go to collections, hoping they don't come for us.
1:34:51 Caleb Hammer? Legally, they kinda can, but um, I'm just waiting that out, having a credit and good luck ever getting another apartment again. It would essentially have to be in your situation. Uh, you can go through bankruptcy, which same thing. You guys won't have a life for like ten years involving debt or any kind of good debt. Good luck getting a house. And uh, we could work more hours, get a second job, you know? Someone's getting an extra job without cheating on their manager. You know, well with.
1:35:20 Speaker 05 I recommended her to get the second job.
1:35:21 Caleb Hammer? If you bring in it, can you get a second job? Can you bring in extra thousand bucks a month?
1:35:26 Speaker 05 A thousand?
1:35:27 Caleb Hammer? Yeah, net. I need you to add your income by about half.
1:35:31 Speaker 05 Then I would have to get a full time job.
1:35:34 Caleb Hammer? Well, no, about twenty hours a week.
1:35:37 Speaker 05 I told you. Then, then, yeah.
1:35:38 Caleb Hammer? Which sucks, but.
1:35:40 Speaker 05 Possibly get a part time job, but the only issue is like my hours I work is from eleven to seven thirty.
1:35:46 Caleb Hammer? Yeah, eleven P M.
1:35:49 Speaker 05 Yeah, eleven A M. to seven thirty P M.
1:35:51 Caleb Hammer? Oh, okay, cool. You might just have to pick up some night shift somewhere. That sucks. It really does suck. The thing is, it's minus the student loans. So twenty thousand five hundred nineteen hours of bad debt, five hundred dollars. So if you make an extra thousand, still takes forty one months to pay this all off, guys. Three and a half years, then probably an extra three quarters of a year to get a fully funded emergency fund. And then you're catching up on retirement and you're starting it. So, but that's an option. It's better than bankruptcy, in my opinion. It affects you less time. But at least with bankruptcy, you could start saving up for retirement now in our emergency fund. But good luck ever getting in another place or getting into any of the goals that might require leverage. You'll be in your forties before you can consider getting a house. Is a house in our desired future?
1:36:36 Caleb Hammer? Okay, well, I'll sit you down with one of our simpler money experts for free. We have certified financial planners there. We also have some CPAs and stuff like that. Because right here, I'm not seeing a way out other than you need to get a second job and you probably need to work more too. You know, you cut you cut it down to two years if you both pick up an extra twenty hours a week. Uh, we'll sit you down with one of them. Use the budgeting app. You got a budget because this is with following the most strict budget, no fun spending in there, which is impossible for that long. Especially with kids. So bankruptcy, allowing things to go to collections, those are some options. But a lot of the big debts are cars and we do not want to get repo'd here, especially you. It'll fuck your grandma. And we really don't want that. Those are the big burdens.
1:37:19 Caleb Hammer? A lot of these loans, you can start chipping at them and they really start making progress quicker. But you're only saving yourself like twenty five bucks a month, thirty bucks a month. It's like the big ones are the cars.
1:37:30 Caleb Hammer? Sorry, actually, um, you're only under by $250 a month. I was a little wrong because I added up the settlement for some reason on the US Bank. So you're under 250. I would still rather you bring in a thousand, but that would bring the situation down to like three years, I think, three and a half years.
1:37:44 Speaker 05 Four and a half.
1:37:45 Caleb Hammer? Instead of four and a half. So that's still better, but you are still underwater. So no matter what, you have to work more because the reason why you find like you're not making any progress in your debt and your debt's only going up is because you literally make less than you need to survive on a minimum monthly basis. So I'm not surprised that you're bouncing endlessly. So. Yeah, and bankruptcy. Yeah, I'd rather grind at it and you can. Um, obviously raises happen and we work for them. You kick ass at your job and you really try to push for that. You leave your job to get a competitive and other a job in the industry with hopefully a better income, you know, leverage that system. Go through all of our education. You guys get it for free. Take advantage of this process you're in. People actually make progress in your situation on the show. You guys can too. If you stopped acting like spoiled entitled brats.
1:38:30 Caleb Hammer? Spending a budget. Let's see, I bet you overspent. Let's see. Income that came in payroll, we had 3,157. 2,119 from you. So essentially 5,300 or so came in. Oh, 8,400 was spent. Spending in a budget, zero out of 10. Come on, guys. What the is that? Debt, you have kids. Debt, there's collections here. Zero out of 10. Emergency fund, nothing in savings, zero out of 10 retirement. There's nothing to return. Zero out of 10 real estate. There's nothing. Okay, Hammer Financial score, zero out of 10. Guys, join us in the post show. We usually find out some more interesting things that we can't talk about in the main
1:39:12 Caleb Hammer? show due to either privacy or it's just too inappropriate and we'll get demonetized. It's always an extra party in there and join the elite version for live streams, a call in show where you can talk to me and extra exclusive audits, a lot of different things. It's worth it, trust me. And don't forget to download the simpler budget app today. It's worth it, I promise. See you guys in the post show. You haven't talked to the friend that you guys.
1:39:35 Speaker 05 It was only.
1:39:36 Caleb Hammer? I don't think you guys should get married yet. And I want to see if she agrees. Hi, my name's Caleb Hammer. When you guys had a three way, why did you only focus on your best friend's fiance and not your best friend?
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Previous $250,000 Down The Drain, For THIS?! | Financial Audit Next If Her Husband Sees This, It's Over. | Financial Audit Page updated November 3, 2026 · transcript and summary are machine-generated