Crybabies Try To Cancel Me | Financial Audit

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Well, you can't afford it. It's literally not. No, no, no. Like, you can't afford it.

• 0:07Speaker 01

  No, like, we can.

• 0:08Caleb Hammer?

  No!

• 0:08Speaker 01

  Yeah.

• 0:09Caleb Hammer?

  You fully enable each other's bad behavior 90% of the time. I have couples on here. They kind of go at it because they have disagreements, things are really hard. No, you guys are actually even worse.

• 0:20Speaker 01

  Oh, okay.

• 0:20Caleb Hammer?

  You look like the type to cancel me.

• 0:24Caleb Hammer?

  Download my new Simpler Budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for Simpler Budget Premium Annual.

• 0:40Speaker 01

  Hi, my name is Caroline. I'm 28.

• 0:42Speaker 02

  Hi, I'm Jasper. I'm 25. We live in Tampa, Florida.

• 0:45Speaker 01

  And this is Financial Audit.

• 0:48Caleb Hammer?

  Guys, thanks for coming over from Tampa. Caroline, I'll start with you. You're the one right in front of me. What do you do for a living there?

• 0:55Speaker 01

  Um, I'm a shift supervisor at Starbucks.

• 0:57Caleb Hammer?

  Okay, how much does that make?

• 0:59Speaker 01

  Um, what was my raise? 2217. I just got a raise.

• 1:03Caleb Hammer?

  Yeah, Florida kind of definitely ups and flows pretty hard in terms of cost to live in Tampa. I'm sure it's on that.

• 1:09Speaker 01

  It sucks.

• 1:09Caleb Hammer?

  Less. Yeah, than that. It's a little more expensive area. Okay, so what do you get? What hits your account on a monthly basis?

• 1:16Speaker 01

  Um, what did we say it was? 20, not 20.

• 1:20Speaker 02

  It's like 2,100, 2,200.

• 1:23Caleb Hammer?

  2,100.

• 1:24Speaker 01

  Something like that.

• 1:25Caleb Hammer?

  For you.

• 1:25Speaker 01

  Because there's also tips, like credit card tips may get very variable from each month, so.

• 1:30Caleb Hammer?

  So 2,150?

• 1:32Speaker 01

  Let's say that, yeah.

• 1:33Caleb Hammer?

  Okay, and Jasper, what do you do?

• 1:35Speaker 02

  Uh, I'm a forensic case manager.

• 1:38Caleb Hammer?

  Okay, what do you make?

• 1:41Speaker 02

  It also kind of varies because I do also work overtime, um, but it's around.

• 1:45Caleb Hammer?

  Normal monthly income. What hits your account on a monthly basis?

• 1:48Speaker 02

  4,000, 4,100.

• 1:49Caleb Hammer?

  Okay, so definitely more the bread winner. So how are we living in Tampa? How are things going?

• 1:55Speaker 02

  I would say a little tight, you know?

• 1:57Caleb Hammer?

  Why?

• 1:58Speaker 01

  They're going.

• 1:59Speaker 02

  Well.

• 1:59Caleb Hammer?

  Well, 6,000. I mean, 6,250. I mean.

• 2:04Caleb Hammer?

  Again, I'm sure it's one of the more expensive areas, sure, but if we're talking net pay of seventy five thousand, certainly above the US median household income by a decent amount when we're talking about your gross income. So shouldn't be full on struggle unless you're fucking up forever. Uh, I mean, mid twenty, late twenty.

• 2:21Speaker 02

  I mean, I don't want to say like full on struggle. I think it's more so just like rent definitely is quite high. We've looked at a few different areas to try and go to, but.

• 2:31Caleb Hammer?

  What do you mean? Okay, so looking at a few different areas to go to. Cool. Why didn't you go there originally? Why'd you sign up for a rent that would be, what's your rent?

• 2:40Speaker 02

  Well, the rent is eighteen ninety.

• 2:42Caleb Hammer?

  That's basically your entire.

• 2:43Speaker 01

  Yeah, sure is.

• 2:45Speaker 02

  Yeah.

• 2:45Speaker 01

  Sure is.

• 2:46Speaker 02

  It sure is.

• 2:48Caleb Hammer?

  So eighteen ninety.

• 2:50Speaker 02

  And then roughly like a hundred and ten in utilities from the apartment.

• 2:55Speaker 01

  Yeah.

• 2:56Caleb Hammer?

  Yeah, I mean, your rent's kind of on that upper edge, but it's not like actually horrifically bad. It's not pushing you into a bad place. So

• 3:05Caleb Hammer?

  why would it be tight, fully tight? I mean, like a thousand trillion dollars in student loans. Like if, if the rent is like thirty percent of our income net, like, you know, you're kind of on that teetering edge, but it's not in that we're about the vomit stage.

• 3:23Speaker 02

  No, and I mean, what I mean by tight is it feels like we have like maybe fifty, a hundred dollars towards the end of the month where it's like everything's been paid for. We don't really need any payments coming up, but if anything does come up, you know.

• 3:39Caleb Hammer?

  How autistic is he? He's like looking at my forehead.

• 3:41Speaker 01

  No, it's me. I'm that one.

• 3:43Speaker 02

  Surprisingly.

• 3:44Caleb Hammer?

  Really?

• 3:44Speaker 02

  One hundred percent no autism.

• 3:46Caleb Hammer?

  Over there, but that's okay. Okay, so what, what are we doing here? What are we talking about?

• 3:54Speaker 01

  We got a lot of debt and we want to get married and we want to move out.

• 3:57Caleb Hammer?

  Not married.

• 3:58Speaker 01

  Not married, not married.

• 3:59Caleb Hammer?

  This is pre-marriage. We're in a pre-marriage situation. You guys are engaged?

• 4:02Speaker 02

  Nope.

• 4:04Caleb Hammer?

  Okay, so how long have you guys been, what do you want to get married?

• 4:07Speaker 01

  When do we want to?

• 4:08Caleb Hammer?

  No, you want to.

• 4:09Speaker 01

  Oh, yeah.

• 4:09Speaker 02

  Yeah, we want to.

• 4:10Caleb Hammer?

  Why aren't you getting married? Or why aren't you married?

• 4:12Speaker 01

  We have no money.

• 4:13Speaker 02

  Yeah. That is the biggest issue.

• 4:15Caleb Hammer?

  You go to the courthouse?

• 4:16Speaker 01

  I mean, yeah.

• 4:17Speaker 02

  You can go to a courthouse, yeah, but it's like, I feel like we just want to be in a spot where it feels like we're more stable.

• 4:24Caleb Hammer?

  You're not willing to get married until your finances are better? Is that what I'm hearing?

• 4:27Speaker 02

  Yeah.

• 4:29Speaker 01

  It just like changed things because we had our finances separate for most of our relationship. We've been together.

• 4:36Speaker 02

  Four and a half.

• 4:37Speaker 01

  Four and a half years and.

• 4:40Caleb Hammer?

  Wait, wait, did we sit down and say we are not getting married until we get the finances? Well, what's the threshold? What have we decided?

• 4:47Speaker 02

  It's kind of just something that we just bring up. We'll be like, yeah, you know, we want to get married, but then we also just start talking about finances.

• 4:56Caleb Hammer?

  Okay, and how does that conversation usually go then?

• 4:59Speaker 02

  Well, it's just even the fact that like, you know, maybe when we do have a wedding, we would like to try to have like a somewhat nicer wedding. We want to be able to.

• 5:09Caleb Hammer?

  You said you're good at the courthouse.

• 5:11Speaker 02

  Yeah, but it's just.

• 5:12Speaker 01

  Okay, I wouldn't mind like courthouse like for actually getting married.

• 5:18Caleb Hammer?

  Why don't we get married today? Get the tax pennies. I mean, you guys are together four and a half or whatever years like you want to get married?

• 5:25Speaker 02

  Yeah.

• 5:25Caleb Hammer?

  Then get married.

• 5:28Speaker 01

  You know, someone you're gonna officiate us?

• 5:30Caleb Hammer?

  No, just go to the courthouse dude. It's okay. So again, you started talking about money. So what did you discuss then when it comes to that conversation?

• 5:40Speaker 01

  So when we had our stuff separate,

• 5:44Speaker 01

  I didn't let on how bad my finances were. He kind of wasn't.

• 5:51Caleb Hammer?

  When?

• 5:51Speaker 01

  Um, like for the first two years, he didn't really know.

• 5:55Caleb Hammer?

  First like three. But you said you didn't.

• 5:57Speaker 01

  Like he thought I was better off than I was at the time. He was like, she must be fine.

• 6:01Caleb Hammer?

  Why would he think?

• 6:02Speaker 01

  Because we were going out to eat all the time and going on dates all the time.

• 6:05Caleb Hammer?

  And you guys didn't talk about money in the first two years of dating?

• 6:08Speaker 02

  Well, there's a little.

• 6:09Caleb Hammer?

  Looking at the camera? Oh.

• 6:11Speaker 01

  Oh, yeah, that's his. Get used to that.

• 6:15Speaker 02

  That is why.

• 6:16Caleb Hammer?

  That's exciting.

• 6:16Speaker 02

  Yeah.

• 6:17Caleb Hammer?

  Why do you look at the camera? Not me.

• 6:19Speaker 02

  I don't know.

• 6:19Caleb Hammer?

  This is just you and me. Show this people watching, but it's just you and me. They're not there right now.

• 6:23Speaker 02

  That's fair.

• 6:23Caleb Hammer?

  We're just talking. It's us three.

• 6:27Caleb Hammer?

  Okay.

• 6:27Speaker 02

  Mainly, the reason why I thought that she was in a better financial position than me is because we both were working at Starbucks when we started dating, but she was working as a shift supervisor. And I always had it in my head, you know, well, her check is bigger than mine. So if we're going out to eat and she's telling me that everything's fine, then it must be.

• 6:49Caleb Hammer?

  So you were telling him everything's fine?

• 6:50Speaker 01

  Yeah, fully.

• 6:51Caleb Hammer?

  So we did talk about money in terms of the way of like, how are you doing? And you're like, everything's fine? So why'd you miss lead?

• 6:57Speaker 01

  I don't know. It was embarrassing because like, I wasn't always bad. I know everyone says that, but like, I wasn't always bad with it. And then all of a sudden, I was and I, I didn't.

• 7:05Caleb Hammer?

  What was all of a sudden, then?

• 7:07Speaker 01

  I just like, one day was like, damn, like, I don't know where, how all this happened. And at the time, I just like, was scared and I didn't look into it, you know, like, I was like.

• 7:16Caleb Hammer?

  Yeah, but what happened?

• 7:17Speaker 01

  I, I just, I started like, buying myself things. So, so go back in time. I was in a relationship for seven years. It was really, really horrible.

• 7:33Caleb Hammer?

  Like, high school?

• 7:34Speaker 01

  Yeah, we, so we, we met in eighth grade. Um, we, he dated my, my best friend, actually. It was, there's a lot there. I can't go into all that part, because.

• 7:44Caleb Hammer?

  Well, that's fine. I don't need to know.

• 7:46Speaker 01

  But then in sophomore year, we started dating. And then we were together until 2019. So.

• 7:53Caleb Hammer?

  You're blaming the relationship on you being bad with money?

• 7:56Speaker 01

  No.

• 7:56Caleb Hammer?

  Why'd you bring it up?

• 7:57Speaker 01

  Because. So he, I'm getting there.

• 8:01Caleb Hammer?

  Okay, let's get there.

• 8:03Speaker 01

  He's gonna tell my story that he wasn't even a part of, I guess.

• 8:07Speaker 02

  There is, there is reasons.

• 8:08Speaker 01

  There's reasons. Um, so he was like, the worst. He had, um, he was a drug addict and.

• 8:15Caleb Hammer?

  What?

• 8:17Speaker 01

  And like basically anything, he was one of those people where it's like, if you can have it like he he needs something like anything.

• 8:25Caleb Hammer?

  Getting clarity, because you could see that he could just be smoking.

• 8:28Speaker 01

  Yeah, I know. It was it was a lot of things. Um.

• 8:31Caleb Hammer?

  Okay, okay.

• 8:32Speaker 01

  And like, I don't know. Then there was the whole thing. It was right before we moved in together. Um, like literally a month before.

• 8:42Caleb Hammer?

  Would he agree with all this if I called him?

• 8:44Speaker 01

  I think so.

• 8:45Caleb Hammer?

  Okay, because we are getting very one side right now.

• 8:48Speaker 01

  I mean, he like, we ended on like, kind of agreement that like, we both were pretty like, we were kids and like, we did up things, but like him more so than me.

• 8:58Caleb Hammer?

  What was your things?

• 8:59Speaker 01

  I mean, like, when you're being like, and I'm not using the term lightly, when you're being emotionally abused, like you start to act out in a certain way, you know, like you do things that you wouldn't necessarily do if you weren't being pushed to that, you know?

• 9:11Caleb Hammer?

  What were you pushed to?

• 9:13Speaker 01

  Just like, I guess you could say it's like being manipulative, but like, not with the intention to, it's more like, I'm just so desperate to like, get you to care about me more than, you know, like, I'll do anything for your attention. I'll say anything to get you to feel bad. Like, I just want your attention right now, kind of thing. Yeah, yeah. So there was that. And it was just like, I was putting so much money, aside from like emotional labor and stuff into this man that like, when we finally broke up for good, I like completely flipped to the other side. And I was like, I want to spend my money on me. I deserve these things that I was giving to him.

• 9:53Speaker 01

  I didn't have any money for myself in the past. Now I do. So I'm gonna buy like literally every single thing I want. Like, my motto at the time was, money is meant to be spent. So I spent it.

• 10:04Caleb Hammer?

  Okay, okay.

• 10:07Caleb Hammer?

  And that led us to bad finances, is what we're saying? Okay, okay. And you hit that from him. The the thing I, okay, that's what I'm curious about. The fact that you hit it from him.

• 10:17Speaker 02

  Yeah, and I mean, that did kind of eventually come out.

• 10:22Caleb Hammer?

  Yeah, how did it come out? Because I want to hear about, uh, this relationship. You know, the one that's like real?

• 10:28Speaker 02

  Yeah, so. We just kept talking about it more and things got a lot more serious, you know, we moved in together. We had to really just plan on our finances, trying to think about like, man, where can we even live?

• 10:41Caleb Hammer?

  Okay, when did you guys move in together?

• 10:42Speaker 02

  Um, we moved in together, I would say like a year and a half into our relationship. And then a year after that is when really all, all of it came out about the finances.

• 10:53Speaker 01

  Well, because we, when we first moved in together.

• 10:55Caleb Hammer?

  Took a year?

• 10:56Speaker 02

  It took, it took a little bit.

• 10:57Caleb Hammer?

  I wanna know how it came out and what happened around it.

• 11:01Speaker 01

  So, so we had a roommate when we first moved in together and the rent, I had lived with this guy previously, like he was my roommate and then all three of us. And the money always came out of my, like rent fully came out of mine and then he would send it to me. So like I was basically like in control, so to speak.

• 11:17Caleb Hammer?

  Okay.

• 11:17Speaker 01

  So he didn't really know, like it just, it didn't.

• 11:20Caleb Hammer?

  Then how did it come out?

• 11:22Speaker 01

  When we moved in together.

• 11:24Speaker 02

  Hold on a second.

• 11:24Caleb Hammer?

  No, a year after.

• 11:25Speaker 01

  Okay, okay, okay.

• 11:26Speaker 02

  After that, we moved out.

• 11:29Caleb Hammer?

  Do you even know how you guys learned about each other's finances?

• 11:31Speaker 01

  Maybe not, I don't know.

• 11:32Speaker 02

  Separately and we didn't have a roommate anymore.

• 11:35Speaker 01

  Yeah, I know, I know.

• 11:36Speaker 02

  You know, and then we had to really just think about, man, what are we doing? Cause at first it was the roommate and it felt a lot more like, man, we each have our own individual finances. We each are sending our portion to rent. We're all buying, you know, different stuff for the apartment.

• 11:52Caleb Hammer?

  Okay.

• 11:53Speaker 02

  Now we have to figure out, man, how are we gonna furnish our all new place by ourself, you know, and then we started thinking about like, man, so how much debt are we in, you know, each of us and.

• 12:06Caleb Hammer?

  So you guys finally decided to have the how much debt are we in conversation?

• 12:09Speaker 01

  Yeah.

• 12:09Caleb Hammer?

  What, three years in at that point?

• 12:11Speaker 02

  Yeah.

• 12:12Speaker 01

  Yeah.

• 12:12Caleb Hammer?

  Okay. All right. I see ya. Still waiting on that paycheck or fumbling with random bank fees. It's 2025, guys. It's time to upgrade with Current. With Current, your paycheck hits up to two days earlier. Like you actually get your money when you need it, not when your bank decides it's convenient. Plus Current's build card can boost your credit score by an average of 81 points in just six months. There's no annual fees, no interest, no shady. Credit checks, just a solid way to inch up that score. It's basically a second chance at a credit score that doesn't suck. Also, fee free overdraft means no more $35 penalties when your bank account is feeling skinny. And if you're trying to stash some more cash, they offer up to a 4% bonus on savings pods.

• 12:57Caleb Hammer?

  Show me another bank giving you 4% without a ton of hoops, I'll wait. So say goodbye to your traditional checking account and head to current.com slash Caleb 50 and use promo code Caleb 50 and they'll drop $50 into your account. Once you meet their terms. Free money, baby. Current pays you faster, won't gouge you on overdraft, helps you build credit, actually rewards your savings. So if you hate antiquated banking, switch to current and level up your finances. Don't let your bank hold you back. It's time to move on. Yeah, that obviously might be a little too long if we're already living together.

• 13:33Speaker 02

  100%, you know, and it.

• 13:36Speaker 01

  Yeah.

• 13:36Speaker 02

  You know, it's part of the issue, but like we can't go back in time about it.

• 13:39Speaker 01

  Yeah.

• 13:40Speaker 02

  Yeah.

• 13:41Caleb Hammer?

  How did that go?

• 13:43Speaker 02

  Um, it was a little shocking. I didn't realize that it had, it was as bad as it was. I didn't realize that her credit line was that much. I especially like from my mindset, my credit line was like at max like 7K. So I was like, oh man, even if it's like, you know, she has like a maxed out credit card. And the worst it could be is like, what 10K? Yeah.

• 14:08Speaker 01

  And like, it's just embarrassing, you know, like obviously.

• 14:10Caleb Hammer?

  It is embarrassing. Isn't it not more embarrassing hiding something from at that point? Decently long-term partner.

• 14:17Speaker 01

  Yeah. And it's like, it's weird to even think back. I don't get it. I don't know.

• 14:20Caleb Hammer?

  Borderline like liar.

• 14:22Speaker 01

  I mean.

• 14:22Caleb Hammer?

  Well, actually you did because he, you guys talked about money before and he, you essentially let him to believe that everything was fine.

• 14:28Speaker 01

  What I would say is I would be like, well, it's, it's getting close to the limit, but it's okay.

• 14:33Caleb Hammer?

  You'd be okay with close to the limit?

• 14:35Speaker 02

  Well, she would explain to me that before, basically she would do all of her purchases on the credit cards. So her bank account was typically, you know, very large and then she would pay it off at the end of the month. So from my understanding, or like, at least from like my point of view, I was like, all right, you know, she has a, a large amount on that credit card, but she's going to take it out of the bank account anyways.

• 14:58Caleb Hammer?

  Okay, so.

• 15:02Caleb Hammer?

  Everything's fucked.

• 15:03Speaker 02

  Yeah.

• 15:04Caleb Hammer?

  We need to get it taken care of. So that we will allow ourselves to get married. Is that what I'm hearing?

• 15:11Speaker 01

  And to move out of the state.

• 15:12Speaker 02

  And move out of state.

• 15:14Caleb Hammer?

  To Florida, moving out of Florida.

• 15:15Speaker 01

  Oh, absolutely.

• 15:16Caleb Hammer?

  Where are we moving?

• 15:17Speaker 01

  Oregon.

• 15:18Caleb Hammer?

  That's a farm.

• 15:21Caleb Hammer?

  Your job. Your job is the more money job. Your job is easy transferable relatively, relatively. Are we gonna be able to secure a job immediately?

• 15:31Speaker 02

  Well, that's another thing that I want to work towards when we kind of relieve some of our debt is I want to get my masters.

• 15:37Caleb Hammer?

  Masters in what?

• 15:38Speaker 02

  I want to get it in medical laboratory sciences.

• 15:41Caleb Hammer?

  Okay.

• 15:43Speaker 02

  And.

• 15:44Caleb Hammer?

  What do you mean take care? Okay, cuz where are the priorities? Cuz all of a sudden we have marriage, we're talking marriage. We're also talking moving, we're also talking paying off debt, probably have to throw an emergency fund in there at some point. Maybe even some catch up on retirement so that we can have some time for compound growth, especially since one of us is approaching thirty. Okay, there's a masters to like, where are we putting that in this big equation?

• 16:04Speaker 02

  I know, and that's where some of the issue is it just it feels like where we are with our finances right now. I can't even think about like, when can I possibly go back to school? Especially with the degree that I want to go for sixteen weeks of that degree. You have to be doing.

• 16:21Caleb Hammer?

  Yeah, but how are we prioritizing that versus everything?

• 16:24Speaker 02

  I can't figure out a way to prioritize it.

• 16:26Speaker 01

  He does, he does try, like he'll try to have conversations with me and be like, how are we gonna plan this out? But the future really stresses me out and I shut them down.

• 16:34Caleb Hammer?

  Okay, what do you mean? You shut it down?

• 16:36Speaker 01

  I do.

• 16:37Caleb Hammer?

  So what do you mean? Walk me through this.

• 16:39Speaker 01

  Um, like he'll be like, let's talk about a however many year plan, like this is what it's going to look like, blah, blah, blah. And I'll just literally be like.

• 16:48Caleb Hammer?

  You refuse to have the conversation? Well, how the fuck will you guys get anywhere if you don't decide where you want to go and then you figure out what it takes in order to get there? I mean, you can't do that. That's just immature.

• 16:56Speaker 01

  I know.

• 16:56Caleb Hammer?

  I understand it'll be stressful, but you have to put through the stress. That's gonna be stressful forever. We want to be stressed forever. Do you have no goals? Do you not want to get anywhere? You can't lead a conversation like that, especially in a couple, especially in a potentially married couple.

• 17:09Speaker 01

  Yeah, it's just, it's just hard. I don't know. It's like something in me. I just don't like to think about it. And I just don't, I don't know.

• 17:18Speaker 02

  And I mean-

• 17:19Caleb Hammer?

  That's a bad answer. I mean, she just doesn't want, okay, so what do we do here, dude? What do we do? I mean, she's-

• 17:25Speaker 02

  And that's why, like, I try to do, I do try to push to have those conversations at times and-

• 17:30Caleb Hammer?

  Was that like clothing underwear on your arm? Do you have like underwear for shirts now?

• 17:35Speaker 02

  Oh, absolutely.

• 17:36Caleb Hammer?

  I have never seen a human wear this. This is very interesting.

• 17:40Speaker 02

  You haven't been out much?

• 17:41Caleb Hammer?

  Do I need to get on that game?

• 17:42Speaker 02

  Oh, absolutely, you do.

• 17:44Caleb Hammer?

  Cool, the underwear for my shirt? It looks like some of our producers want to play a game, so let's see what this game is. Little game called Oregon Trail.

• 17:56Caleb Hammer?

  Financial audit edition. So you're moving to Oregon? Okay, cool.

• 18:07Caleb Hammer?

  We're hoping to get there. Starting funds, $6,430, right? Cool. Now, here are your, and that's your payroll that came in, and that aligns with basically what you said. It was a little above what you thought would come in. But here's your categories. Here's where your money went, okay? So this is what we're gonna go through. We got rent, utilities, that comes with rent typically, therapy, car insurance, if you drive, you got car insurance, Amazon, rats care, I don't even know what the [bleep] that means. Salon, guessing that one's for you, because I don't think you've showered in a few days, okay?

• 18:41Speaker 02

  You'd be surprised.

• 18:42Caleb Hammer?

  Miss Lane is a bull [bleep].

• 18:45Caleb Hammer?

  There's this extra things, just extra things that could be, well, likely for everyone on this show [bleep] like, well, no, I was gonna say it's vaping. Vaping itself is its own thing, so great. Vape, Miss Lane is [bleep] video game, it could be just going and just dumb stuff. Groceries, but we do have to eat, actually eat, and subscription. So this is what you guys are spending on these certain categories. So you need to make it in that starting funds, because we can't hop on this wagon, we can't hop on this wagon and leave if we don't have, like, you know, under the budget. So we need to get under the budget. So, what I need from you guys, you need to discuss for everyone

• 19:26Caleb Hammer?

  what we spend on these categories right now in order to make it into this trail, into this wagon, okay?

• 19:34Speaker 02

  Okay.

• 19:35Caleb Hammer?

  And you're gonna note it down.

• 19:39Caleb Hammer?

  There you go. So go ahead.

• 19:42Speaker 02

  I would say the easiest thing to start off would be a rent.

• 19:46Speaker 01

  True.

• 19:47Caleb Hammer?

  And you do you guys combine finances?

• 19:50Speaker 02

  Well, we have separate bank accounts, but we do.

• 19:53Caleb Hammer?

  Well, you aren't you aren't married, so.

• 19:55Speaker 02

  But we do like think of our finances as combined.

• 19:59Caleb Hammer?

  Okay.

• 19:59Speaker 01

  Yeah.

• 20:00Caleb Hammer?

  Well, let's see how well we know the entirety of the household then. If we're headed into marriage anyway. Yeah, rent should be the easiest one.

• 20:07Speaker 02

  That's.

• 20:07Caleb Hammer?

  It is consistent.

• 20:08Speaker 01

  Forty-eight. Twenty-four.

• 20:11Caleb Hammer?

  Okay, they disagree on the rent.

• 20:14Speaker 01

  Two dollars.

• 20:14Speaker 02

  By two dollars.

• 20:15Caleb Hammer?

  Oh, just by two dollars.

• 20:16Speaker 02

  Yeah, I rounded up to twenty fifty.

• 20:18Caleb Hammer?

  You made a very concerned face to her, so I didn't hear your number.

• 20:21Speaker 02

  I thought I heard.

• 20:22Caleb Hammer?

  I just heard a what the?

• 20:24Speaker 01

  Now, now we're good on that one.

• 20:26Caleb Hammer?

  So twenty-four hundred, whoo. We filled up that, you know, we're we're filling up real quick. All of a sudden, like, that's it's like, it's a third of it gone.

• 20:34Speaker 02

  Yeah.

• 20:35Caleb Hammer?

  Well, that's one out of the money you already spent.

• 20:38Speaker 01

  Utilities.

• 20:39Speaker 02

  I mean, a lot of the utilities was included in the rent, so it's really just electric, which is like one-ten.

• 20:46Speaker 01

  Yeah, one-ten.

• 20:47Caleb Hammer?

  Okay.

• 20:47Speaker 01

  Average.

• 20:48Speaker 02

  Yeah.

• 20:49Caleb Hammer?

  We both agree on one-ten.

• 20:51Speaker 02

  Um, minimum debt payments. Let's do that.

• 20:55Caleb Hammer?

  Hmm.

• 20:57Speaker 02

  So it's five hundred.

• 20:59Speaker 01

  But that's not that's not the minimum. That's what we put like.

• 21:03Caleb Hammer?

  So this is the household.

• 21:04Speaker 02

  But this is what we're currently paying right now.

• 21:07Speaker 01

  Okay. Hmm, five hundred, one fifty.

• 21:13Speaker 02

  I'm gonna say somewhere around like fifteen hundred.

• 21:16Speaker 01

  Sure.

• 21:18Speaker 01

  Sure. Like, I wouldn't be surprised. I just don't know.

• 21:22Caleb Hammer?

  We are at thirty-six fifty-eight.

• 21:23Speaker 02

  Yeah.

• 21:24Caleb Hammer?

  Six thousand four hundred thirty is, uh,

• 21:28Caleb Hammer?

  it's our wagon capacity here.

• 21:29Speaker 01

  Yeah. What's your phone?

• 21:31Speaker 02

  One seventeen.

• 21:33Speaker 01

  One seventeen.

• 21:36Speaker 01

  Perfect. Um, okay, my therapy is.

• 21:39Speaker 02

  One twenty-five.

• 21:41Speaker 01

  One twenty-five.

• 21:42Speaker 02

  Every month, right?

• 21:43Speaker 01

  Every month.

• 21:44Speaker 02

  Right.

• 21:44Speaker 01

  And then my psych is sixty.

• 21:47Speaker 02

  Yeah.

• 21:48Speaker 01

  And then yours.

• 21:48Caleb Hammer?

  He has forgotten, forgotten about psych.

• 21:50Speaker 01

  And then yours, and then yours is.

• 21:52Caleb Hammer?

  Including his own, so he might need more.

• 21:53Speaker 02

  My psych is thirty.

• 21:54Speaker 01

  And that, I can't do quick math. What was that?

• 21:56Speaker 02

  Ninety plus the one twenty-five, like, two fifteen.

• 22:02Speaker 01

  Teen.

• 22:05Caleb Hammer?

  Almost a four, ten away from four thousand.

• 22:09Speaker 02

  Mine?

• 22:10Speaker 01

  Mine's one oh nine.

• 22:12Speaker 02

  One oh nine. Two twenty.

• 22:14Caleb Hammer?

  This is car insurance.

• 22:18Speaker 02

  Three thirty-four.

• 22:20Speaker 01

  Sure. I genuinely can't do math.

• 22:25Caleb Hammer?

  Four thousand, three hundred and twenty-four. Vapes! Critical! Critical to survive.

• 22:31Speaker 02

  I mean, sometimes. Sixty-five?

• 22:37Speaker 02

  I think, I think sixty.

• 22:38Speaker 01

  Add one more on there, I think. Cause that's like, that's two, right?

• 22:42Speaker 02

  Seventy? I mean, seventy-five, seventy-five, seventy-five. Ju- just in case.

• 22:47Caleb Hammer?

  Seventy-five dollars for future lung cancer, that's great.

• 22:51Caleb Hammer?

  Four thousand, three hundred, ninety-nine.

• 22:54Speaker 01

  Yeah.

• 22:55Caleb Hammer?

  Halfway. Salon! Get it all printed up.

• 23:00Speaker 02

  Four hundred and twenty?

• 23:01Speaker 01

  That's only, like, getting the...

• 23:03Speaker 02

  I mean...

• 23:03Speaker 01

  That's, no, no, no, that's only getting my roots done, though, cause then there's also a cut, and also your cut. Because you also go to the salon. Thank you. Hmm. The cut's like, almost a hundred.

• 23:15Speaker 02

  Mine is like fifty.

• 23:16Speaker 01

  Yours is fifty, mine's a hundred, my color's like four hundred.

• 23:20Caleb Hammer?

  How often?

• 23:21Speaker 01

  Hmm.

• 23:22Caleb Hammer?

  You guys are talking now, man.

• 23:23Speaker 01

  Six to eight weeks for a color. Okay, no, it's been like twelve, it's been... Look at it, look at it. It's been twelve because I was being good.

• 23:33Caleb Hammer?

  Buddy, you gotta dump some hair dye, some just fucking food dye in her hair.

• 23:37Speaker 02

  We've tried to talk about it, to see if there's a different way to go about it, but...

• 23:41Speaker 01

  I don't want to.

• 23:42Caleb Hammer?

  She's not willing to have a conversation about your future, I don't know if she's willing to have a conversation about her roots.

• 23:45Speaker 01

  I like being blonde.

• 23:46Speaker 02

  She does like being blonde.

• 23:48Speaker 01

  It's not a crime.

• 23:48Caleb Hammer?

  You're currently white.

• 23:50Speaker 01

  Well, okay, a form of blonde, excuse me.

• 23:52Caleb Hammer?

  Is white a form of blonde? I would say white is white.

• 23:55Speaker 02

  Nah, cause you gotta, you gotta like bleach it to yellow and tone it to white.

• 24:00Speaker 01

  I was about to say, well, I like being white, no.

• 24:03Caleb Hammer?

  Well, Florida would welcome me back, Oregon would murder you.

• 24:05Speaker 01

  Yeah.

• 24:06Speaker 02

  Yeah.

• 24:07Speaker 01

  Very true, okay, so four, four fifty, a hundred fifty.

• 24:12Speaker 02

  Just six hundred.

• 24:13Speaker 01

  Six, okay. But that's not every month.

• 24:17Caleb Hammer?

  What you did, 4,999.

• 24:21Speaker 01

  Last month, I didn't, I don't think I got a color, though, so it's less.

• 24:26Speaker 02

  Let's say, let's say 60 for eating out.

• 24:28Speaker 01

  For what? For eating out?

• 24:29Speaker 02

  Ooh, 80.

• 24:34Speaker 02

  Maybe 80.

• 24:35Speaker 01

  More than that, more than that, for sure, cuz it was March, so it has like your birth.

• 24:41Caleb Hammer?

  Oh, it's March, guys. It's March. It's eating out month.

• 24:44Speaker 01

  The statement has half of March in it, and it's his birthday month.

• 24:48Speaker 02

  It is my birthday month.

• 24:49Caleb Hammer?

  What are we, we are broken ass as a society, ladies and gentlemen. Birthday month? What the is wrong with people?

• 24:55Speaker 01

  Do you not enjoy your birthday?

• 24:57Caleb Hammer?

  Do you remember when you said the word birth? DAY! DAY!

• 25:02Speaker 01

  And we got, and we got the food on the day.

• 25:05Speaker 02

  Yeah, that's true. That's true.

• 25:07Caleb Hammer?

  Did you say birthday month?

• 25:08Speaker 01

  I was just giving the context for the statement. I don't know.

• 25:11Caleb Hammer?

  Write your number. Write your number. Write your collective number.

• 25:14Speaker 02

  Put a hundred.

• 25:15Speaker 01

  Hmm, I'm gonna say I won 50, to be honest.

• 25:21Caleb Hammer?

  She's taking charge. $5,149.

• 25:25Speaker 01

  Hmm, lots of categories left.

• 25:27Caleb Hammer?

  Yeah, yeah. Two thirds done.

• 25:32Speaker 02

  Forty-five?

• 25:34Speaker 01

  For what?

• 25:35Speaker 02

  Cuz it was like 20 for Netflix, and then Amazon Prime and Crunchyroll.

• 25:41Speaker 01

  What'd you say, 40?

• 25:42Speaker 02

  Forty-five.

• 25:43Speaker 01

  Forty-five, it is.

• 25:45Caleb Hammer?

  Okay, 45. $5,194.

• 25:49Speaker 02

  Amazon.

• 25:50Speaker 01

  Okay, Amazon is gonna be quite a high number, but it's all valid things, and I stand by that.

• 25:56Caleb Hammer?

  I will go through and determine.

• 25:57Speaker 01

  I stand by it.

• 25:58Caleb Hammer?

  And I will determine.

• 26:00Speaker 01

  I don't even know how much it would be, though, cuz it's the 2020. It is necessary.

• 26:05Caleb Hammer?

  We don't even know how much we spent.

• 26:07Speaker 01

  I know what the items are.

• 26:09Caleb Hammer?

  Then you should know how much you spent, if you know how much of the items you got.

• 26:14Speaker 01

  Groceries.

• 26:15Speaker 02

  Groceries, um, three fifty?

• 26:22Speaker 02

  You don't think so?

• 26:22Speaker 01

  I don't know.

• 26:23Speaker 02

  I think three fifty.

• 26:24Speaker 01

  I feel like that's low.

• 26:25Caleb Hammer?

  Okay, there are like half these categories you guys are disagreeing on how much to spend.

• 26:29Speaker 01

  Well, because I don't look at it.

• 26:31Caleb Hammer?

  Why?

• 26:32Speaker 01

  Because it's.

• 26:33Caleb Hammer?

  Because we don't have a goal, so why would we look at it? Because there's no goal to get to, so we don't really have to do anything, honestly. It's a real answer.

• 26:39Speaker 01

  No.

• 26:40Caleb Hammer?

  No, no, no, that is actually, I mean, that's unreal. If you don't have somewhere to go to, what are you sacrificing? What are you trying to do? If you have nothing to get to?

• 26:50Speaker 01

  It's just hard to look at the statements. I don't know, not like literally hard.

• 26:53Caleb Hammer?

  Download the fucking simpler budget app. It's automatic.

• 26:56Speaker 01

  And I'm very excited for that. Thank you, but.

• 26:59Caleb Hammer?

  You're welcome. You could have also had it already downloaded.

• 27:01Speaker 01

  I could have, but I.

• 27:02Speaker 02

  Just get it for free.

• 27:03Speaker 01

  Yeah, exactly. And I'm in debt, so.

• 27:06Caleb Hammer?

  Guys, I just wanted to say an extra thank you for making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, will get a founder's edition, simpler budget notebook. And it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed.

• 27:51Caleb Hammer?

  Seriously, download simpler budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free. When you sign up for simpler budget premium annual.

• 28:10Speaker 02

  It's an investment.

• 28:11Caleb Hammer?

  But people get out of debt using it.

• 28:13Speaker 01

  It was smart of me not to buy it.

• 28:14Caleb Hammer?

  But you could have been fixing your life by now.

• 28:16Speaker 01

  Yeah, yeah.

• 28:17Caleb Hammer?

  So four hundred for groceries. That's what I see writing down?

• 28:19Speaker 01

  Yeah, I'm going four hundred.

• 28:20Speaker 02

  You're going miscellaneous or rack here?

• 28:22Speaker 01

  Okay, last two.

• 28:23Speaker 02

  Ah.

• 28:25Caleb Hammer?

  Miscellaneous bullshit.

• 28:26Speaker 01

  Miscellaneous bullshit. But I also feel like this category will be inflated because I know like Target is kind of one of those like meh, but we live right next to a Target and that's our groceries.

• 28:35Caleb Hammer?

  Target we put usually in like on shopping.

• 28:37Speaker 01

  Yeah, but it's like almost always our groceries, so.

• 28:40Caleb Hammer?

  Okay, let's see.

• 28:42Speaker 01

  So then, then if it's not categorized as groceries, the groceries should be lower and then miscellaneous

• 28:49Caleb Hammer?

  Cross it out.

• 28:52Speaker 02

  I, I really don't think so.

• 28:53Speaker 01

  I'll do, I'll do.

• 28:54Caleb Hammer?

  He disagrees.

• 28:54Speaker 01

  I'll do your free fit.

• 28:55Caleb Hammer?

  But she takes charges.

• 28:56Speaker 01

  Yes, I am.

• 28:57Caleb Hammer?

  Minus fifty, okay. Five thousand, seven hundred forty-four.

• 29:01Speaker 01

  Okay, miscellaneous both. Hmm.

• 29:07Caleb Hammer?

  Two hundred.

• 29:08Speaker 01

  Sure.

• 29:10Speaker 01

  It's probably a lot. I don't know. I don't know. Okay, last one, rat care.

• 29:17Speaker 02

  That one, at least a stack is the problem.

• 29:21Speaker 01

  Okay, so we have pet rats.

• 29:24Caleb Hammer?

  Okay, yeah, I didn't know if it was taking care of him or if you had them, so this makes sense.

• 29:28Speaker 01

  Yes, no, they are pets, um, and they're expensive.

• 29:33Speaker 02

  But they're very lovely.

• 29:35Speaker 01

  They're worth it.

• 29:36Caleb Hammer?

  Well, how expensive are rats? My brother had rats. They were awesome. I do like them. They're great.

• 29:40Speaker 01

  Like a lot.

• 29:41Caleb Hammer?

  Why?

• 29:41Speaker 01

  Um.

• 29:42Speaker 02

  If you care for them properly.

• 29:43Caleb Hammer?

  Well, I don't know.

• 29:44Speaker 01

  Speak on it.

• 29:44Speaker 02

  If you cherish them.

• 29:45Caleb Hammer?

  It wasn't my, uh, care that I had to do.

• 29:48Speaker 01

  So.

• 29:49Caleb Hammer?

  How much?

• 29:50Speaker 01

  I'm getting there, um.

• 29:53Speaker 02

  I would say just put a thousand.

• 29:55Speaker 01

  No, that was the one thing. That was the one thing. That was the one thing.

• 30:00Speaker 02

  That's why I said, you know, and there was a stack, but there was no stack to be put into that category anymore.

• 30:06Caleb Hammer?

  Huh?

• 30:07Speaker 01

  Like a stack of money, like there was money.

• 30:09Speaker 02

  Like a stack.

• 30:09Speaker 01

  There was money, but we were out of money when it came time.

• 30:12Caleb Hammer?

  What did you spend on fucking rats?

• 30:15Speaker 01

  Well, don't be insensitive. They died. Two of them died, so.

• 30:19Caleb Hammer?

  I'm sorry. I'm very sorry.

• 30:20Speaker 01

  I'm not sure what you are. You're slamming the table.

• 30:23Caleb Hammer?

  Well, because I didn't know. What do you mean? I can't be sympathetic about something I don't know.

• 30:27Speaker 01

  Okay, so rats only live two years, right? That's very short lifespan. I'm going to get to it. You need, you need the context.

• 30:33Caleb Hammer?

  Sure, sure, sure, sure.

• 30:34Speaker 01

  You do.

• 30:34Caleb Hammer?

  I like to avoid feeling bad.

• 30:37Speaker 01

  It's okay. It's okay. You can feel bad. I don't mind. Um.

• 30:39Caleb Hammer?

  Great.

• 30:40Speaker 02

  From this position, it feels pretty good.

• 30:43Speaker 01

  So they only live two years and they can have a lot of health issues, you know, and there's not a lot of vets that like see them and when.

• 30:52Caleb Hammer?

  Because they live for two years.

• 30:53Speaker 01

  Okay. You think things that have short lifespans shouldn't live?

• 30:57Caleb Hammer?

  No, no, no, I'm not saying that, but it's like usually.

• 30:59Speaker 01

  No, yeah, it's hard to find vets. They're specialized.

• 31:02Caleb Hammer?

  Well, exactly.

• 31:02Speaker 01

  Yeah.

• 31:03Caleb Hammer?

  And it just makes economic sense.

• 31:04Speaker 02

  And it's like an exotic.

• 31:05Speaker 01

  Yeah, they're classified as exotics, so they're more expensive. So, um.

• 31:11Speaker 01

  They get a lot of health issues, especially when they're old. And like, I can't say that I wouldn't have seen it coming because like I've had rats for 10 years. Um, so I've had my fair share of like money spent.

• 31:24Caleb Hammer?

  Sure, sure. So obviously you need a random emergency fund.

• 31:28Speaker 01

  But yes, yes, um, certainly did not have that this time around because.

• 31:34Caleb Hammer?

  How much was spent?

• 31:35Speaker 01

  So the first one, his name was Pretzel. He just one day just was on his, on his last legs. So we had to bring him to the emergency vet. That one wasn't bad. That was just 135 to euthanize. It wasn't bad though, like whatever. I mean, like, yeah, I was, it was bad that we had to.

• 31:54Caleb Hammer?

  No.

• 31:55Speaker 01

  But like the money, the money. And then the second one, his name was popcorn. He was the sweetest boy. Um, he, one day he had just like a wound on him on his abdomen. I'm getting there. Let me finish. And I can feel his gaze. Um, we were like.

• 32:15Caleb Hammer?

  That's a slur.

• 32:17Speaker 01

  Oh my God.

• 32:20Speaker 02

  I mean, I think she's allowed.

• 32:22Speaker 01

  Yeah, I'm allowed. I'm allowed. I love to be homophobic.

• 32:28Caleb Hammer?

  What should you spend on rats?

• 32:29Speaker 01

  I'm so sorry.

• 32:29Caleb Hammer?

  Please, for fuck's sake. We're so close with the end of this game. Please.

• 32:34Speaker 01

  What did I, what do I need to do?

• 32:35Caleb Hammer?

  Should you spend on rats?

• 32:37Speaker 01

  You said to not listen and tell me. I don't know.

• 32:40Speaker 02

  All right, all right. So we got the, we got the 135 for the rats. And then went again for the other appointment and that was the surgery. And that was the like 900 something, right? It was like 900 something. It was a thousand dollars basically.

• 32:57Speaker 01

  You're breaking my focus. I need, I need to focus. Okay. So it was like.

• 33:02Speaker 02

  And then we took him back again.

• 33:03Speaker 01

  A thousand and then like 200 and then I'm gonna say like.

• 33:08Speaker 02

  The death, which was 135.

• 33:09Speaker 01

  I think I'm gonna say 1500.

• 33:10Speaker 02

  Yeah, 1500, 1600, somewhere around there.

• 33:13Speaker 01

  We would have got there faster if you genuinely just would have let me get through the story, to be quite honest.

• 33:16Caleb Hammer?

  I, I, I disagree.

• 33:18Speaker 01

  It's very interesting, actually.

• 33:19Speaker 02

  I mean, a little bit. Yeah. She does kind of restart the story.

• 33:23Speaker 01

  I restarted the story every time.

• 33:24Caleb Hammer?

  Okay. You fucking drowned in Snake River. It's done.

• 33:32Caleb Hammer?

  Okay.

• 33:32Speaker 01

  Mm-hmm.

• 33:33Caleb Hammer?

  Office.

• 33:33Speaker 01

  Mm-hmm.

• 33:34Caleb Hammer?

  Right?

• 33:34Speaker 01

  Yeah.

• 33:35Caleb Hammer?

  Sake!

• 33:36Speaker 01

  Well...

• 33:37Speaker 02

  To be fair, though, it was just because the rats, you know?

• 33:40Speaker 01

  Yeah, if it wasn't for the issue, if it wasn't for the issue this month with the rats.

• 33:44Caleb Hammer?

  Shall we?

• 33:45Speaker 01

  We shall. I'm confident.

• 33:47Caleb Hammer?

  Wow, that's a, that's an exciting laughter. Okay, right, you said 2,480. 2,400, uh, no, sorry. You said 2,048, 2,046.

• 33:59Speaker 02

  We had the answer.

• 34:00Caleb Hammer?

  So, I thought, yeah.

• 34:02Speaker 01

  We could've just seen it all the time.

• 34:04Caleb Hammer?

  Uh, minimum monthly payments, uh, 1,500. 1,056.

• 34:10Speaker 01

  Okay.

• 34:10Caleb Hammer?

  Okay. So, currently.

• 34:12Speaker 01

  We're doing good, yeah.

• 34:13Caleb Hammer?

  Yeah, stay afloat. $10, $110 for the utilities, 151.

• 34:19Speaker 01

  Okay, alright.

• 34:20Caleb Hammer?

  Utilities, they're variable, so... Uh, therapy, 215. 280.

• 34:26Speaker 02

  Ooh, damn.

• 34:29Caleb Hammer?

  Okay.

• 34:30Speaker 01

  Okay, wait, wait, but that might be because one of them got charged and refunded, I think, on your card.

• 34:36Speaker 02

  Nah, I think, I think you're tripping, actually.

• 34:37Caleb Hammer?

  What did you say, 117? Is that what it said there?

• 34:40Speaker 01

  Yeah, sorry, yeah.

• 34:40Caleb Hammer?

  Okay, 106.

• 34:41Speaker 02

  Alright, fantastic, fantastic.

• 34:44Caleb Hammer?

  Okie-dokes. Uh, subscriptions, you said 45. 99!

• 34:49Speaker 02

  Damn!

• 34:49Caleb Hammer?

  Double! Still not enough to eat up, uh, make up the ground, though. We're still okay. Solani said 600. 156?

• 34:57Speaker 02

  Oh.

• 34:58Speaker 01

  See, I didn't, I didn't do the color, I didn't do the color.

• 35:01Caleb Hammer?

  Okay, right, we're doing okay. Uh, Vape, she said 75, 125.

• 35:06Speaker 01

  See, I told you, add another one.

• 35:08Caleb Hammer?

  Which is stupid. But, uh, Eating Out, 150. 439! 439!

• 35:17Speaker 01

  Mm-hmm.

• 35:17Speaker 02

  Yeah. Yeah. Yeah, that killed her, that killed her right there.

• 35:21Caleb Hammer?

  3, 34. 315, pretty close.

• 35:24Speaker 02

  Nice, nice, nice.

• 35:24Caleb Hammer?

  Eating out, of course. Stupid. Misland is, what, said 266?

• 35:30Speaker 01

  No, okay.

• 35:32Caleb Hammer?

  Amazon, two hundred, three thirty-three, three thirty-three.

• 35:37Speaker 01

  Well, they're all necessities.

• 35:39Caleb Hammer?

  I will see groceries, four hundred, two fifty-three.

• 35:42Speaker 01

  Oh, okay. Okay, but that's because the Target probably isn't classified.

• 35:46Caleb Hammer?

  One fifteen hundred, thirteen ninety-seven.

• 35:49Speaker 01

  We were pretty good on a lot of them.

• 35:51Speaker 02

  I'm giving myself a pat on the back for that right there.

• 35:53Speaker 01

  I feel good about that.

• 35:54Caleb Hammer?

  That is six thousand eight hundred twenty-two dollars. And you're right, without the rat thing, that wouldn't have happened. Do we have more rats?

• 36:00Speaker 01

  Mm-hmm.

• 36:00Caleb Hammer?

  How many more rats?

• 36:01Speaker 01

  We have three more.

• 36:02Caleb Hammer?

  Then this is gonna happen like once a year on average.

• 36:05Speaker 01

  Yeah.

• 36:06Caleb Hammer?

  So it has to be prepared, but you're not able to move, you're not able to move to Oregon with this. Like, how the fuck can we cash flow that? Good luck, you'll be going into debt. Also, by the way, I'm being informed that that does not include the unknown shopping category. And that's typically Amazon and stuff like that. That is typically, uh, well, Amazon we had in there. Uh, but the unknown shopping, it's just things we can't really tell. It is like Walmart, Target, like you said.

• 36:34Speaker 02

  Okay.

• 36:34Caleb Hammer?

  That's an extra thousand two hundred, or a thousand twenty-one.

• 36:38Speaker 01

  No, but that's fine, because Walmart is gas and groceries and Target is groceries.

• 36:43Caleb Hammer?

  Then you're spending a thousand.

• 36:46Speaker 02

  Spending way too much.

• 36:47Speaker 01

  Okay, but it's not misleading, it's not, it's not just crazy.

• 36:50Caleb Hammer?

  That's still, uh, absolutely ridiculous, though.

• 36:54Speaker 01

  I mean, yeah.

• 36:55Caleb Hammer?

  You can't spend that much on groceries.

• 36:57Speaker 01

  We're hungry.

• 37:02Speaker 02

  It is, it is mainly the snackies.

• 37:04Speaker 01

  Okay, okay, also, like, not to be like that, not to be that vegan, that's like, I'm vegan, but like, are vegan and it's more expensive. That, that was totally valid for me to bring it up, first of all. I wasn't just being annoying about it.

• 37:18Caleb Hammer?

  No, but the way you had to open it.

• 37:20Speaker 01

  Well, because I didn't want you to be like, oh, she's saying it like that, you know?

• 37:23Caleb Hammer?

  Well, maybe it can't be.

• 37:24Speaker 01

  Oh, okay.

• 37:25Caleb Hammer?

  Well, you can't afford it. It's literally not, no, no, like, you can't afford it.

• 37:29Speaker 01

  No, like, we can. If we just are smarter about it.

• 37:31Caleb Hammer?

  No, no, no, I wanna be clear.

• 37:33Speaker 01

  Beans are cheap.

• 37:34Caleb Hammer?

  Sure, you spent $12,000. You brought in $6,430.

• 37:38Speaker 01

  We'll just have to buy more beans.

• 37:40Caleb Hammer?

  Uh, okay. Yes, if you do it like that.

• 37:42Speaker 01

  Yeah.

• 37:42Caleb Hammer?

  But you cannot afford your current version of veganism.

• 37:44Speaker 01

  No, no. We'll buy beans.

• 37:46Speaker 02

  And, I don't know, I see it your way, but I feel like at the same time-

• 37:49Caleb Hammer?

  How long have you guys been vegan? Is that why he hasn't grown past five foot three?

• 37:52Speaker 02

  How dare you?

• 37:53Speaker 01

  Um, so I was vegetarian first for 10 years.

• 37:57Caleb Hammer?

  I actually don't care. I was just trying to make a joke about him.

• 37:59Speaker 01

  No, I'm telling you, I'm telling you. And then I was vegan-

• 38:02Caleb Hammer?

  But I'm not gonna let you.

• 38:03Speaker 01

  I was vegan and then I-

• 38:05Caleb Hammer?

  Guys, you will not leave until you download the Simpler Budget app. You will know these numbers.

• 38:09Speaker 02

  Yeah.

• 38:10Caleb Hammer?

  You will know these numbers if you actually have this, because it's automatic connections. Use the community feature in there. Keep each other accountable. Do all that. Use it. You get the premium version forever. Just like everyone that gets the annual version of Simpler Budget, you get assigned Simpler Budget.

• 38:26Speaker 01

  Why do you mess it up every time?

• 38:28Caleb Hammer?

  What do you mean?

• 38:29Speaker 01

  Like, I don't know. Do you just intend to do it slow when you say this part? It always, okay, I don't know. Whenever I'm watching the videos, it always seems like you kind of like forget the name of that.

• 38:41Speaker 01

  Forget it. I'm so happy to receive it. Thank you.

• 38:44Speaker 02

  I'm happy as well to receive it.

• 38:46Caleb Hammer?

  Assigned Simpler Budget notebook.

• 38:47Speaker 01

  I was just curious. I wasn't even like-

• 38:49Speaker 02

  It is actually a fair question.

• 38:51Caleb Hammer?

  Is it?

• 38:52Speaker 01

  And you can even watch them.

• 38:53Speaker 02

  I mean, it is your ad.

• 38:55Speaker 01

  Yeah, you know?

• 38:58Caleb Hammer?

  Here.

• 38:58Speaker 01

  Ad, app, app. Thank you. Thank you.

• 39:02Caleb Hammer?

  Journal.

• 39:03Speaker 02

  Journal.

• 39:04Caleb Hammer?

  Journal your financial progress. So I will read it when you guys come back on.

• 39:07Speaker 02

  Okay.

• 39:08Caleb Hammer?

  You also get a cookbook. We're gonna have to mail it to you because they're not here yet, but they'll be here by the time everyone's out there seeing it. So everyone that gets the annual version of the Simpler Budget app gets assigned cookbook that we made. So, there you go. Then you guys get that. It's not vegan.

• 39:22Speaker 01

  We can adapt.

• 39:23Caleb Hammer?

  Because I'm not weird.

• 39:24Speaker 01

  We can adapt.

• 39:24Caleb Hammer?

  Okay, so where is your household financial score?

• 39:28Speaker 01

  Zero.

• 39:29Caleb Hammer?

  Where do you think, okay, well-

• 39:30Speaker 02

  Yeah.

• 39:30Caleb Hammer?

  Yo, I've seen the show so many times, I know you're making pauses. Then you could have done the score like a normal fucking person that does it. If you're working on weight management but are tired of the constant doctor visits and insurance hurdles, this is for you! With the fastest way- GLP-1 meds, you can lose an average of 15% of your weight and pay half of the list price with today's sponsor, Ro. With Ro, leave the typical healthcare frustrations in the past. They offer an FDA-approved weight loss option manufactured by Eli Lilly that is not only affordable, but it's effective and it's half the price of the auto-injector pen. And the best part, you can get started right from the comfort of your own home.

• 40:10Caleb Hammer?

  No doctor's office visit required, just a straightforward online process that links you up with a healthcare provider affiliated with Ro. They'll take a look at your medical history and any lab results. And if you qualify, you'll become part of a community that is thousands strong, all choosing Ro to access their GLP-1 treatments. You want to see if you qualify? Head over to ro.co/caleb to explore your options. You could be taking the first step to a healthier you. Again, that is R-O dot C-O slash Caleb. Go to ro.co/safety, R-O dot C-O slash safety for box warning and full safety information about GLP-1 medications. Medication indicated with diet and exercise.

• 40:54Caleb Hammer?

  You know, I set you up and you say it at the same time?

• 40:56Speaker 02

  Yeah, yeah.

• 40:57Caleb Hammer?

  Why'd you go from intelligent about, you went from financial audit intelligent to financial audit retarded in three seconds?

• 41:03Speaker 02

  To be fair, that was all her. I was waiting.

• 41:07Speaker 01

  My bad. I jumped the gun.

• 41:11Caleb Hammer?

  Okay, if you want your financial Hammer Financial Score, link in the description below or go to CalebHammer.com. Let's jump into these finances. Discover it. Whose is this? Because I'm assuming we're not authorized users on each other's cards. Is that correct?

• 41:26Speaker 02

  Nope.

• 41:26Caleb Hammer?

  Okay, do we know what's going on each other's cards?

• 41:29Speaker 01

  Yes.

• 41:29Caleb Hammer?

  Yeah. Okay, discover it.

• 41:31Speaker 01

  That's me.

• 41:33Caleb Hammer?

  Okay, what's going on?

• 41:35Speaker 01

  A lot, a lot is going on.

• 41:37Caleb Hammer?

  Yeah, how about an actual answer?

• 41:38Speaker 01

  I was getting there.

• 41:40Caleb Hammer?

  Where are you? You're always getting there and then you never seem to arrive.

• 41:43Speaker 01

  You don't let me. You don't let me, Jesus Christ.

• 41:45Caleb Hammer?

  All right.

• 41:46Speaker 01

  I don't know if that's, I don't know if that's a good thing to, okay, anyways.

• 41:53Speaker 02

  She just takes a little minute. She has a little intro. She needs to warm it up.

• 41:58Speaker 01

  It just has a lot of money on it. That's what's going on. I don't know.

• 42:01Caleb Hammer?

  Why, dude?

• 42:02Speaker 01

  Um, because I put a lot of money on it. I don't know. Okay, honestly, because.

• 42:05Caleb Hammer?

  Yeah, that's gonna help you solve this problem.

• 42:07Speaker 01

  Yep.

• 42:09Caleb Hammer?

  Why is there a lot of, why is the balance high?

• 42:13Caleb Hammer?

  Why is the balance high?

• 42:14Speaker 01

  I was so tempted to say I bought things, but um.

• 42:18Caleb Hammer?

  What are you doing? Listen, there's $283 of purchases on here, $369 minimum payment.

• 42:24Speaker 01

  I paid them off immediately, though, so the purchases.

• 42:28Caleb Hammer?

  But no, it doesn't fucking matter if you paid just those purchases off, because then.

• 42:31Speaker 01

  And I paid more.

• 42:32Caleb Hammer?

  Hey, because with the interest accruing of $211, your balance only went down a couple hundred dollars.

• 42:39Speaker 01

  Yeah, and it sucks, I know.

• 42:41Caleb Hammer?

  Yeah, that's by your choice, though.

• 42:43Speaker 01

  Well, okay, the.

• 42:45Caleb Hammer?

  Your purchases were on there.

• 42:46Speaker 01

  The 200, the 200 was one of the rat things because we hadn't gotten paid yet and we were literally at the vet with him. What was I gonna say? No, don't do the emergency surgery.

• 42:56Caleb Hammer?

  Yeah, there's also a $70 purchase at a restaurant.

• 42:58Speaker 01

  It actually isn't a restaurant, it's um, a subscription, I'm pretty sure. What does it, what does it say? What does it say?

• 43:05Caleb Hammer?

  Dropout?

• 43:06Speaker 01

  Yeah.

• 43:06Speaker 02

  Oh.

• 43:07Caleb Hammer?

  What is it?

• 43:07Speaker 01

  You should watch it, dropout is great.

• 43:09Speaker 02

  Actually.

• 43:10Speaker 01

  Yeah.

• 43:10Caleb Hammer?

  What is it?

• 43:11Speaker 02

  It's an annual, it's like a streaming service, it's an annual subscription and it's for like, you know, the people that used to do college humor?

• 43:19Speaker 01

  Yeah, you know, college humor.

• 43:20Caleb Hammer?

  Okay.

• 43:21Speaker 02

  Yeah, it's like them and they have like their own like shows that they make and produce.

• 43:26Caleb Hammer?

  Cancel college humor, okay?

• 43:27Speaker 01

  I mean, they're just funny. You should watch it.

• 43:30Caleb Hammer?

  Okay, how long does this take to pay off only doing minimum payment, minimum payment?

• 43:34Speaker 01

  A hundred years.

• 43:34Caleb Hammer?

  Without, okay, yes, it's a hundred years.

• 43:37Speaker 01

  I think so, I think that's what it said.

• 43:39Caleb Hammer?

  You're purchasing on it, but you always purchase.

• 43:41Speaker 01

  I know.

• 43:42Caleb Hammer?

  To get your special college humor subscription.

• 43:45Speaker 02

  To be fair, it's not always.

• 43:48Speaker 01

  Not always what?

• 43:49Speaker 02

  We don't always purchase.

• 43:50Caleb Hammer?

  No. I don't fucking believe that.

• 43:52Speaker 02

  The subscription is annual.

• 43:54Speaker 01

  Yeah, that was an accident.

• 43:55Speaker 02

  Yeah, that was an accident, we forgot about it, it was an annual subscription, we had gotten like a discount for it the first time, so.

• 44:01Caleb Hammer?

  Uh huh.

• 44:02Speaker 01

  I used to pay it off, as, as everyone says, um, but I don't know, I think, I never looked at it, you know, it was like, I would, it was always like actually.

• 44:12Caleb Hammer?

  Finally, you've always paid it off, then.

• 44:14Speaker 01

  I don't have any late fees. I've never had a late fee.

• 44:17Caleb Hammer?

  You mean you've made a minimum payment, now you've always paid it off?

• 44:19Speaker 01

  No, no, I used to like, in the beginning of having it.

• 44:21Caleb Hammer?

  Even look at it?

• 44:22Speaker 01

  I did look at it at that time, and then.

• 44:24Caleb Hammer?

  What made you stop looking at it?

• 44:25Speaker 01

  Being with that ex and just having to pay for stuff all the time, it was just very stressful and I didn't want to look at it. I don't know.

• 44:35Caleb Hammer?

  Is everything, everything ever gonna always just come back to the X?

• 44:40Speaker 01

  That's like two things.

• 44:41Caleb Hammer?

  Or is there any personal responsibility in this?

• 44:43Speaker 01

  No, there is, there is because so I was giving the, I was getting there. So I used to pay it off.

• 44:49Caleb Hammer?

  Buddy, what the?

• 44:50Speaker 01

  And I stopped paying it off as much.

• 44:52Caleb Hammer?

  Throw something at her next time she says something.

• 44:53Speaker 01

  Don't do that. Um, I, I stopped paying it off as much because of that situation. And then when me and him broke up, um, and I said, I just like started buying myself stuff. So then I really stopped looking at it because I was like, I want these things. I couldn't tell you the actual number, um, 2019.

• 45:11Caleb Hammer?

  Cool. You've had five years. What the?

• 45:12Speaker 01

  Yeah. And they, yeah.

• 45:14Caleb Hammer?

  You've had five years. What the?

• 45:16Speaker 02

  Well, I would say the issues came like after.

• 45:19Speaker 01

  I would say the issues came after too.

• 45:20Caleb Hammer?

  They answer what the?

• 45:22Speaker 01

  Yeah, I will.

• 45:23Caleb Hammer?

  Five years?

• 45:23Speaker 01

  Yes. So.

• 45:25Caleb Hammer?

  Of doing nothing?

• 45:26Speaker 02

  No, no.

• 45:26Caleb Hammer?

  Of not giving a?

• 45:27Speaker 02

  No, the five years is the fucking up.

• 45:29Speaker 01

  Yeah.

• 45:30Caleb Hammer?

  Five years is the whole five years until right now. Cause it is borderline close to being maxed out essentially.

• 45:35Speaker 01

  Yeah. Yeah. Um, so I think where it started to go wrong is what year is that? 2021 or 2022?

• 45:46Speaker 02

  What do you mean?

• 45:46Speaker 01

  Um, when I started getting a bunch of squishmallows.

• 45:48Speaker 02

  Oh.

• 45:51Speaker 01

  I hate to be a stereotype. I do, I do.

• 45:53Caleb Hammer?

  Is that a stereotype? A stereotype of what?

• 45:55Speaker 01

  No, no, the, the watchers will know.

• 45:57Speaker 02

  You don't know what squishmallows are?

• 45:58Speaker 01

  They'll be like, yeah, she would have squishmallows.

• 46:00Caleb Hammer?

  You're looking at me like I'm the weird one.

• 46:01Speaker 02

  Yeah. Because if you ever walked into CVS, you'd see squishmallows and Walmart and Costco.

• 46:07Caleb Hammer?

  Or Walmart.

• 46:08Speaker 02

  You never need, you never need a prescription.

• 46:11Speaker 01

  Costco's got the big ones.

• 46:11Speaker 02

  You ain't trying to get groceries for cheap.

• 46:15Caleb Hammer?

  I go to HEB. You guys don't have that.

• 46:16Speaker 01

  Yeah, we don't have it.

• 46:18Caleb Hammer?

  But you have your own versions.

• 46:19Speaker 02

  What are you talking about? I don't even know what it is.

• 46:21Speaker 01

  It's a grocery store.

• 46:22Caleb Hammer?

  Grocery store.

• 46:23Speaker 02

  We have Walmart.

• 46:24Caleb Hammer?

  You have more than, you live in.

• 46:27Speaker 02

  We have Trader Joe's too.

• 46:28Caleb Hammer?

  There you go. Okay, so they're sending me pictures, their little plushy things?

• 46:33Speaker 02

  Mm-hmm. Yes.

• 46:34Speaker 01

  They're very cute. I'll show you my collection.

• 46:36Caleb Hammer?

  Twenty-five thousand dollar plushy debt?

• 46:37Speaker 01

  Not that, not quite that much, but I definitely was going a little crazy. Um, I wasn't, I'm, I was gonna say I wasn't buying them like new.

• 46:46Caleb Hammer?

  What's the closest you've gotten to paying this off? Last five years, have you?

• 46:50Speaker 01

  I couldn't tell you. I really couldn't. Because this is on, honestly, this is part of what pushed us to, like me, pushed me to like fully be honest about my finances because.

• 47:01Caleb Hammer?

  What, this being maxed out and then still being maxed out five years later?

• 47:03Speaker 01

  Yeah, not, not, well, obviously not that long ago, but it was like, it was getting really bad.

• 47:07Caleb Hammer?

  How long has it been since you came clean?

• 47:09Speaker 01

  Hmm.

• 47:10Speaker 02

  Like a year, year and a half?

• 47:12Speaker 01

  A year and a half.

• 47:12Caleb Hammer?

  Okay, so you've done nothing in a year and a half? And you're okay with that? You're okay with your person that you're gonna marry doing absolutely nothing about this? Honestly, to be completely honest, insane credit card balance.

• 47:23Speaker 01

  No, it's bad.

• 47:24Caleb Hammer?

  I was in bad debt. This is almost as much as my entirety of my multiple bad debts. When I got out of debt. This is one credit card. This is fucking crazy.

• 47:33Speaker 02

  Yeah, and it's not that, you know, I have an issue of like nothing happening about it. Like, obviously you were trying to.

• 47:39Speaker 01

  I did do things. I, I did, and he knows. I did, I did make big strides. I did get some money from a relative a few years back and I put like, a lot of that towards paying it off. So like I was making strides, probably, probably like two years ago or three, I don't know.

• 47:55Caleb Hammer?

  How much did you get?

• 47:56Speaker 01

  I don't even remember to be honest.

• 47:57Caleb Hammer?

  How'd you get the money? Why'd you get the money?

• 47:59Speaker 01

  A relative was nice and gave it to.

• 48:01Caleb Hammer?

  No, how much money?

• 48:02Speaker 01

  I, I don't know.

• 48:03Caleb Hammer?

  No, about how much money? Hold on. No, no, no, no, no, no, no. How much money?

• 48:08Speaker 01

  I really don't know.

• 48:09Caleb Hammer?

  How about? Rounded?

• 48:13Caleb Hammer?

  Give me a range then, lady?

• 48:15Speaker 01

  I don't know. I think I.

• 48:16Caleb Hammer?

  How can she not know? Who am I talking to right now?

• 48:19Speaker 01

  I can say that I think I used like ten thousand to pay down the credit card.

• 48:23Caleb Hammer?

  You've got at least ten thousand dollars and you pay, and it's maxed out today?

• 48:26Speaker 01

  Mm-hmm. Well, I don't have.

• 48:30Speaker 01

  Yeah.

• 48:31Caleb Hammer?

  Yeah, and, oh, ten thousand, oh, that's the compounding?

• 48:36Speaker 01

  Mm-hmm.

• 48:36Caleb Hammer?

  Oh, compounding an investment account that would have meant so much money by the time you retired. Oh, for me.

• 48:44Speaker 01

  Yeah, but I

• 48:45Caleb Hammer?

  That's so moronic. Ten thousand hours is gone like that.

• 48:49Speaker 01

  I know, I know. And that's another thing. It's like

• 48:52Caleb Hammer?

  And then there's nothing to show for it, though.

• 48:54Speaker 01

  It's

• 48:54Caleb Hammer?

  Because you go through all the way back up, other than a collection of plushies. Do you still have plushies?

• 48:58Speaker 01

  Yeah, I do.

• 48:59Caleb Hammer?

  Well, you can sell them.

• 49:00Speaker 01

  No.

• 49:01Caleb Hammer?

  Okay, so I guess we don't care about going to Oregon or going to grad school or paying off that or having an emergency fund or making sure we can take care of our rats next time they get sick.

• 49:09Speaker 01

  I'm not gonna sell the dragons and I'm not gonna sell the Halloween ones.

• 49:12Caleb Hammer?

  Because they're more important than the rats.

• 49:14Speaker 01

  No.

• 49:15Caleb Hammer?

  Uh, with your actions, you are saying yes.

• 49:17Speaker 01

  Mm-mm.

• 49:18Caleb Hammer?

  With your actions, you are saying yes.

• 49:20Speaker 02

  I hear you, but it's just like

• 49:21Caleb Hammer?

  You hear me, but here's a thing I'm gonna say.

• 49:24Speaker 02

  No, absolutely not. You just need certain things throughout, like

• 49:28Caleb Hammer?

  You need a dragon plushy.

• 49:30Speaker 02

  I'm not saying you necessarily need a dragon plushy.

• 49:32Caleb Hammer?

  Then what the are you talking about?

• 49:34Speaker 02

  Everyone needs, you know

• 49:35Caleb Hammer?

  A dragon plushy?

• 49:36Speaker 02

  Not a dragon plushy, but they need a metaphorical squish mellow. They need a little, a little, a little treat, you know? Every now and then.

• 49:44Caleb Hammer?

  Every now and then, that's fine. This is a permanent one that you

• 49:47Speaker 01

  I just said, don't say little treats.

• 49:49Caleb Hammer?

  What are you guys, you guys see, usually, honestly, half the ti- no, not half the time, ninety percent of the time, I have couples on here. And they gotta go at it because they have disagreements, things are really hard. No, you guys are actually even worse. You just fully enable your

• 50:03Speaker 01

  We just agree sometimes.

• 50:05Caleb Hammer?

  No!

• 50:05Speaker 01

  Yeah.

• 50:06Caleb Hammer?

  You fully enable each other's bad behavior and allowing you to never make progress in life.

• 50:11Speaker 02

  I mean, I don't think it's all the way just enabling, though.

• 50:14Speaker 01

  No, I, I think it is. I'm not gonna lie. I'm not gonna lie.

• 50:17Caleb Hammer?

  Well, a potential reasonable one in this relationship. Who would have thought?

• 50:20Speaker 01

  I'll be like, oh, but I really want this limited, like, when I was getting a lot of squish melons, because I'm not anymore. I've, I've, I'm not, I haven't bought one in like

• 50:26Caleb Hammer?

  Good! Sell them.

• 50:27Speaker 01

  A long time. Anyways, I would ask him and I'd be like, is it okay if I get this one? Because like, I just didn't Like I said, I didn't look at things. So I'd be like, is it okay? And he would just kind of like say yes, no matter what.

• 50:39Caleb Hammer?

  How much have you spent on fucking squish melons?

• 50:42Speaker 02

  Mellos.

• 50:44Caleb Hammer?

  Maybe.

• 50:45Speaker 01

  Um, I, I'm scared to even think about that number.

• 50:50Caleb Hammer?

  Think for a second without a massive story needing to be recalled.

• 50:53Speaker 01

  I wasn't going to tell a story, thank you.

• 50:55Caleb Hammer?

  I don't know, I kind of saw it on those

• 50:58Speaker 01

  On what? Were you gonna say something mean?

• 51:00Caleb Hammer?

  Yes, but I chose not to.

• 51:02Speaker 01

  But I know I wanna know.

• 51:03Speaker 02

  That is, that's progress. That's restraint. That's the first steps.

• 51:07Caleb Hammer?

  I have it here and there.

• 51:09Speaker 01

  At least 500.

• 51:13Speaker 02

  It's gonna definitely be more than 500.

• 51:17Speaker 01

  Over a span of time, not like all at once.

• 51:20Speaker 02

  Probably a few stacks.

• 51:21Caleb Hammer?

  They're telling me the inheritance was $45,000.

• 51:23Speaker 01

  Well, there you go. I told you I didn't know.

• 51:33Caleb Hammer?

  That could have been, your guys has been 20% down. That could have grown into a 20% down on a house. That could have been childcare for a kid. That could have been retirement. I don't, I don't know. Yeah, it would probably come out as a demon. I don't know. I don't know if we want that either. All I'm saying, that could have been so much.

• 51:52Speaker 01

  Yeah.

• 51:52Caleb Hammer?

  That could have been so many vacations. That could have been compound growth beyond compound growth. That could have taken care of the rats. That could have taken care of every rat forever. And it's gone with nothing to show for it. Because all you've done is just put all the debt right back up.

• 52:11Speaker 01

  Yep.

• 52:12Caleb Hammer?

  All for the sake of fucking squishing.

• 52:13Speaker 01

  But I didn't use all of it for the, the credit cards. I used the 10,000 for it, I'm pretty sure. So.

• 52:18Caleb Hammer?

  Well, where'd the rest of it go?

• 52:20Speaker 01

  I don't know. Emergencies, probably.

• 52:22Caleb Hammer?

  No, bull. Come on.

• 52:24Speaker 01

  No, like actually.

• 52:26Caleb Hammer?

  Well, you're probably just supporting exactly what she said because you guys don't know how to call each other.

• 52:29Speaker 02

  Nah, but there was like a portion of time where like I was unemployed and.

• 52:37Speaker 01

  Yeah, that was a big factor.

• 52:39Speaker 02

  So when I was going to work, I was getting paid very, like not a lot of money and I had a decent drive. I was getting paid like 1350 an hour. I was an EMT. I was an EMT.

• 52:52Caleb Hammer?

  Okay. Well, that's money. Money pays bills.

• 52:56Speaker 02

  But.

• 52:56Caleb Hammer?

  Uh, I don't know if you know this, but thirteen dollars pays more money than zero dollars. This is an interesting mathematical situation.

• 53:04Speaker 02

  I know what you mean, but when I was trying to drive to work, I would have to take like tolls and stuff.

• 53:11Caleb Hammer?

  Sure.

• 53:12Speaker 02

  And the drive ended up being like so expensive that I was like, I, this isn't gonna be.

• 53:18Caleb Hammer?

  What are you saying?

• 53:20Speaker 01

  See, he does it too.

• 53:21Speaker 02

  I ended up having to leave that position.

• 53:24Caleb Hammer?

  Why?

• 53:25Speaker 02

  Because it was getting too expensive to get there to work.

• 53:27Caleb Hammer?

  I doubt it.

• 53:28Speaker 02

  Money.

• 53:29Speaker 01

  And the hour.

• 53:30Caleb Hammer?

  How many hours a week were you working?

• 53:31Speaker 01

  Not that, like, it was, he was working like weird overnight-ish shifts.

• 53:35Caleb Hammer?

  I don't care, we all do that at some point. Twelve hour shift, there you go, then you made more in that shift than it costs to get there if it was a twelve hour shift.

• 53:42Speaker 02

  I was making, I was working like fifty-six hours.

• 53:44Caleb Hammer?

  Take that microphone, point it to your face.

• 53:47Speaker 02

  Sorry.

• 53:47Caleb Hammer?

  Twist it to that mouth. Okay.

• 53:50Speaker 02

  Alright, so. I just, it, it really wasn't making a lot and the hours with everything, like our relationship wasn't doing great when I was working there. Especially, we were having a lot of arguments. She felt like we didn't have a lot of time together. And so I started trying to like, you know, look at other jobs and. Nothing was hiring and then.

• 54:15Caleb Hammer?

  Nothing was hiring you with your current resume or a job that you were willing to accept.

• 54:20Speaker 01

  Wasn't it, cuz you got.

• 54:21Caleb Hammer?

  Yes, it was.

• 54:22Speaker 01

  No, no, no, like that was when he was unemployed.

• 54:24Speaker 02

  A few.

• 54:25Caleb Hammer?

  When was this? When was this?

• 54:26Speaker 02

  Oh, yeah, I did work at Cheddar's.

• 54:28Speaker 01

  Hmm, twenty, twenty-three? No.

• 54:31Caleb Hammer?

  Yeah, you could have got a job.

• 54:32Speaker 02

  Yeah, but.

• 54:33Caleb Hammer?

  In Florida.

• 54:34Speaker 02

  I worked at Cheddar's for a little while.

• 54:36Speaker 01

  He did get a job.

• 54:37Speaker 02

  Which was like a restaurant.

• 54:38Caleb Hammer?

  Okay, well. Spencer said he didn't, but.

• 54:42Speaker 02

  Well, I was, there was, I was unemployed for a period of time, but I guess it was after Cheddar's.

• 54:48Speaker 01

  He was unemployed after Cheddar's.

• 54:49Caleb Hammer?

  So how does this mean?

• 54:51Speaker 01

  Cuz we used my savings to kind of like stay.

• 54:54Speaker 02

  Yeah, well.

• 54:55Speaker 01

  Afloat during that.

• 54:56Caleb Hammer?

  You go work more.

• 54:57Speaker 01

  Because I didn't, not I didn't want to, I was gonna say that, but I'm not gonna say that because it's not true. It's not, okay.

• 55:03Caleb Hammer?

  Then what?

• 55:04Speaker 01

  I have a lot of health problems.

• 55:05Caleb Hammer?

  What?

• 55:06Speaker 01

  I mean, we don't know yet. That's, that's the problem.

• 55:08Caleb Hammer?

  Then what?

• 55:09Speaker 01

  No, it's true. I'm literally going to the doctors.

• 55:11Caleb Hammer?

  What the happens?

• 55:12Speaker 01

  I mean, I have some sort of arthritis.

• 55:14Caleb Hammer?

  Okay.

• 55:15Speaker 01

  And so like with my job, I'm a barista, you know? Doing repetitive movements.

• 55:19Caleb Hammer?

  Yeah, maybe we don't do that job.

• 55:20Speaker 01

  Yeah, but and do what else that's gonna pay me twenty two seventeen.

• 55:24Caleb Hammer?

  Uh, the vast majority of jobs.

• 55:26Speaker 01

  With no degree.

• 55:27Caleb Hammer?

  With no degree. Okay, it's a little harder to get into.

• 55:29Speaker 01

  Exactly.

• 55:30Caleb Hammer?

  I can give you a course career certification of your choice to help you change things up career field wise. But either way, you'd have to use the experience, hopefully managerial experience you have there and try to get into a company. It's likely gonna maybe be lower out of the gate, but with career opportunities internally. There's actually relatively decent career opportunities within Starbucks. Well, either way, and actually decent benefits as well. But either way, if it is not working with your body, yes, maybe we have to do something else.

• 55:57Speaker 01

  But I like the job. I know. I know.

• 56:00Caleb Hammer?

  Do we like paying bills and draining our savings or and liking the job or actually do something?

• 56:07Speaker 01

  There can be a happy medium.

• 56:08Caleb Hammer?

  Well, there wasn't. You blew through your savings.

• 56:11Speaker 01

  Yeah.

• 56:11Caleb Hammer?

  At the time impacts now and you're continuing the same things. If you got that lump sum today, you would do the same dumb story because

• 56:18Speaker 01

  No, I don't think I would.

• 56:19Caleb Hammer?

  You spent double what you guys make, right?

• 56:21Speaker 01

  Because of the rat situation.

• 56:23Caleb Hammer?

  The rat was like fifteen hundred dollars. So that's not true. I don't know if you guys know this, but one thousand five hundred dollars is not double six thousand five hundred dollars. So, wrong.

• 56:37Speaker 01

  Sure.

• 56:38Caleb Hammer?

  Sure. Okay.

• 56:39Speaker 01

  If it makes you feel better, I did do like a good thing. I contacted Discover in December because I was stressed out about it being maxed out. And I have like a low interest rate now for a period of time.

• 56:52Caleb Hammer?

  Low.

• 56:53Speaker 01

  Yeah, compared to what they are. Yeah, compared to all of the other.

• 56:56Caleb Hammer?

  Lower, not low. It is not a low interest rate.

• 56:59Speaker 01

  Lower.

• 57:00Caleb Hammer?

  It is a lower interest rate.

• 57:01Speaker 01

  Either way, it's lower.

• 57:02Caleb Hammer?

  To celebrate because it is fucking you beyond belief. It is barely keeping up with the S and P five hundred.

• 57:06Speaker 01

  Not feed me as much as the other interest rate was.

• 57:09Caleb Hammer?

  Yes, sure. That doesn't mean it's good, though.

• 57:11Speaker 01

  I think there can be small wins. That's how positive reinforcement.

• 57:15Caleb Hammer?

  You know what? Actually, you know, because you feel like you got a small win, you know why that's actually bad? And why I'm gonna tell you go fuck yourself? Because that small win has actually made you feel like you don't need to pay this off. Because you had a small win and that's why it is still maxed out while you're spending hundreds of dollars on there on a monthly basis. Because you feel like you made progress, but in reality you didn't. And now you're fucking yourself because you thought you won, but you're just getting beat.

• 57:39Speaker 01

  The balance did go down.

• 57:40Caleb Hammer?

  Credit card company win.

• 57:43Caleb Hammer?

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• 58:25Speaker 03

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• 58:39Caleb Hammer?

  Step two, make sure things are perfect. Want to change the music? Type "add dramatic music that's similar to the original Indiana Jones soundtrack." And just like that, you get the music you need. Need a voiceover? You can even clone your voice so it sounds just like you. Indiana, always the skeptic, is drawn into her world of crystals, prophecies, and extraterrestrial whispers. With InVideo, it's like you have your own content studio without the space and massive overhead, start to finish. It's your creative partner helping you get started, irrespective of the skill level you're already at. You can even try it for free, and you'll see the countless amount of hours saved. So if you haven't checked out InVideo AI V3 already, go check it out right now for free. Use my link and code in the description.

• 59:24Caleb Hammer?

  This will save you hundreds of dollars that you would have otherwise spent on editing, animating, and other production costs. Try out the future of video creation today. For fuck's sake, okay, what is Discover It? Whose is this?

• 59:36Speaker 02

  Um, probably mine.

• 59:39Caleb Hammer?

  Yeah, you're Discover It, because the other one was Discover It too. Okay.

• 59:45Caleb Hammer?

  Okay, another big balance is not as big as yours. Six thousand, six hundred eighty-five dollars and fifty-five cents, minimum monthly payment, one hundred seventy dollars. No purchases. Well done.

• 59:58Speaker 02

  Thank you.

• 59:59Caleb Hammer?

  Basically maxed out though, so it's not like no purchases weren't being done recently. Twenty-seven years to pay this off, ninety-nine years for the last card, so we're paying off debt for the rest of our lives.

• 1:00:07Speaker 01

  Oh, is it ninety-nine, not a hundred? It went down? It was a hundred, so last eight.

• 1:00:12Speaker 02

  Those are small wins.

• 1:00:13Caleb Hammer?

  Sounds like you don't make progress.

• 1:00:14Speaker 01

  I think positive reinforcement is a good thing, I'm sorry.

• 1:00:16Speaker 02

  If you think about it.

• 1:00:17Caleb Hammer?

  That's a good thing to think, however, look at the actual results. It hasn't worked for you. Positive reinforcement works in some things.

• 1:00:23Speaker 01

  It has worked because these, this month is better than other months. I know that that's like, it's not good still, but...

• 1:00:28Caleb Hammer?

  Basically maxed out's better, okay.

• 1:00:30Speaker 01

  Uh, yeah. It's still a small win.

• 1:00:32Caleb Hammer?

  You allowing yourself to take these wins and making them bigger, better than they are, is preventing you from actually digging in and taking care of [BLEEP]. It's allowing, it's enabling you to spend that money you spent on the credit card. I'm okay with small wins, I'm okay with positive reinforcement. There's a place for negative, there's a place for positive. This place, you're using this as a crutch? And then you guys enable each other. You're not using positive reinforcement correctly. You're [BLEEP]ing yourself, you're destroying...

• 1:01:01Caleb Hammer?

  What's up with this card? What's going on, Guy?

• 1:01:03Speaker 02

  Uh, so I opened that when I was like in college and whenever I had anything that I wasn't able to pay for, uh, like books or, and then I guess also when we started dating, you know? We had, we started going out to eat, I started putting that on the cards sometimes. And it, I basically maxed it out and...

• 1:01:29Caleb Hammer?

  When? Because it basically still is.

• 1:01:31Speaker 02

  Um, I would say maybe like...

• 1:01:36Speaker 02

  Twenty twenty-two, twenty twenty-three.

• 1:01:37Caleb Hammer?

  So what have we still been spending on there then? Obviously, keeping it at the max.

• 1:01:41Speaker 02

  Well, I was just doing the minimum monthly payments.

• 1:01:44Caleb Hammer?

  Yeah, but that would have gotten you lower than you are now without purchasing. So what have you been purchasing? Not in this month, but you have been purchasing mathematically, you've had to.

• 1:01:52Speaker 02

  Even remember.

• 1:01:54Caleb Hammer?

  Really?

• 1:01:54Speaker 02

  I.

• 1:01:55Caleb Hammer?

  I bet it's vapes and.

• 1:01:57Speaker 02

  I mean, probably vapes here and there, you know? Um, if I ever like really needed it, or I guess not needed it, but wanted it.

• 1:02:04Caleb Hammer?

  Like, what was it? A hundred fifty bucks a month? One seventy-five, something like that?

• 1:02:08Speaker 02

  And I mean, you know, I also had like lunch at work sometimes, you know, I have like.

• 1:02:13Caleb Hammer?

  Pack.

• 1:02:14Speaker 02

  Huh?

• 1:02:14Caleb Hammer?

  Pack.

• 1:02:15Speaker 02

  Well, yeah, I understand that packing, absolutely. Packing is the way to do it, but sometimes I forget and sometimes.

• 1:02:23Caleb Hammer?

  Meal prep, have it ready to go.

• 1:02:24Speaker 02

  I know, but it's a lot to do, especially because.

• 1:02:27Caleb Hammer?

  It's literally not.

• 1:02:28Speaker 02

  Well, hold on a second.

• 1:02:29Caleb Hammer?

  Actually, the least amount.

• 1:02:31Speaker 02

  Oh, I, I truly just disagree.

• 1:02:34Caleb Hammer?

  Well, you're right. Sitting on a couch is a less amount of something.

• 1:02:37Speaker 02

  It's not that I'm sitting on the couch. I work like two overtime shifts a week and I.

• 1:02:43Caleb Hammer?

  So you have two shifts to pack for?

• 1:02:45Speaker 02

  Not two shifts to pack for, because I have like my whole, you know, normal work schedule, Monday through Friday.

• 1:02:51Caleb Hammer?

  How many hours a week do you work?

• 1:02:52Speaker 02

  I work, um, fifty-six hours a week.

• 1:02:56Caleb Hammer?

  Okay, okay. That is definitely on the higher end. Absolutely.

• 1:03:00Speaker 02

  Yeah.

• 1:03:00Caleb Hammer?

  You still have time to meal prep. Sandwiches are cheap and easy.

• 1:03:04Speaker 02

  No.

• 1:03:05Caleb Hammer?

  Packing a bag of chips in a Ziploc bag, chill.

• 1:03:11Caleb Hammer?

  Or whatever the f**k vegancy, I don't know.

• 1:03:13Speaker 04

  These are great. The dastier, the better.

• 1:03:15Speaker 02

  I agree. It's just been a little bit difficult getting into that like cycle, especially because like.

• 1:03:21Caleb Hammer?

  There you go. That's the issue. You're not getting in the cycle. You're not pushing yourself. You're not actually taking the sacrifices necessary.

• 1:03:27Speaker 02

  We really try to like.

• 1:03:28Speaker 01

  He doesn't sacrifice his red bulls, though.

• 1:03:32Speaker 02

  The Red Bulls is a thing that I'll get every now and then.

• 1:03:36Caleb Hammer?

  At gas stations or vending machines?

• 1:03:38Speaker 02

  At gas stations.

• 1:03:38Caleb Hammer?

  Why not buy in bulk? You jerked off Costco's dick earlier. So buy in bulk.

• 1:03:44Speaker 01

  We don't have the membership anymore.

• 1:03:45Speaker 02

  We don't have the membership for Costco anymore.

• 1:03:47Caleb Hammer?

  Walmart!

• 1:03:49Speaker 01

  Yeah, well, he gets, he gets big packs of Coke from Walmart.

• 1:03:52Speaker 02

  I do get big packs of Coke.

• 1:03:53Caleb Hammer?

  But get your Red Bull there too. If you're gonna drink, I'm not against having beverages, put it in your grocery budget.

• 1:03:58Speaker 02

  Yeah.

• 1:03:59Caleb Hammer?

  You can't be stopping and getting a price per ounce that's absolutely ridiculous at a gas station.

• 1:04:03Speaker 02

  I know, and that was, I guess the plan was to try to like not have the Red Bulls at all, and that's why I never buy them in bulk. Cause I'll always try to be like, alright, you know, if I have a Red Bull, I'll try to have it like once or twice that week. Especially on the days that I work my overtime shift. Cause on Fridays, for example, I get in at 8 a.m. I don't leave till 12:30 a.m.

• 1:04:27Caleb Hammer?

  Yeah, I'm with you, okay.

• 1:04:28Speaker 02

  So I, uh...

• 1:04:30Caleb Hammer?

  Help him!

• 1:04:31Speaker 02

  I go get a Red Bull, I go...

• 1:04:33Caleb Hammer?

  Help meal prep. Help meal prep. Take care of each other. He takes care of certain things, you take care of other things. We support each other in different ways.

• 1:04:40Speaker 01

  And like, I'm not saying I won't because like literally recently, we have been like trying to split the, cause I don't, I don't really cook. I don't cook. He's, he likes to cook.

• 1:04:50Caleb Hammer?

  Well, great. Well, he's the one that works 60 hours a week.

• 1:04:52Speaker 01

  Yeah.

• 1:04:53Caleb Hammer?

  How many hours a week you work?

• 1:04:55Speaker 01

  Thirty-two to thirty-four.

• 1:04:57Caleb Hammer?

  Um, yeah.

• 1:04:58Speaker 01

  But, but, okay, so I'm an opener at Starbucks and I wake up at 2:45 and then I come home really early, yeah, but...

• 1:05:07Caleb Hammer?

  There you go.

• 1:05:07Speaker 01

  Yeah. But we have a lot, okay, I'm getting there, um, as per usual, if you will let me finish. Um, but I actually don't even know where I was going now, so.

• 1:05:19Caleb Hammer?

  That's why I usually don't let you finish.

• 1:05:21Speaker 01

  And that's valid, actually.

• 1:05:24Speaker 02

  But I think the the main issue is, especially with the cooking, is we haven't had those talks where we sit down and try to think about like, well, when we try to think about like, what exactly would be the meals that we would go into? Um, some of it goes into like, alright, well, I have like a certain medical condition where certain things that I'll eat like either make me very nauseous or, you know, make it very unpleasant for me.

• 1:05:53Caleb Hammer?

  You know what it is?

• 1:05:54Speaker 02

  Yeah.

• 1:05:55Caleb Hammer?

  Uh, how restrictive?

• 1:05:57Speaker 02

  I mean, it's the reason why I went vegan.

• 1:05:59Caleb Hammer?

  Well, what is it? Just you eat beef and you sh** guts out?

• 1:06:02Speaker 02

  Partially, yeah.

• 1:06:03Caleb Hammer?

  Okay, yeah.

• 1:06:04Speaker 02

  You know, um.

• 1:06:05Caleb Hammer?

  We already, guys know that you're vegan, so just do this vegan.

• 1:06:09Speaker 02

  It it's also just like, we'll be thinking about how we can have those meals, like what type of meals we can meal prep. And I guess we just disconnect there, like we don't.

• 1:06:19Speaker 01

  Well, it's because I, we can't eat a lot of the same things. Cause I like a lot of like, fresh, like vegetables and leafy greens and he can't eat those. So, why are you looking at me like that?

• 1:06:31Caleb Hammer?

  Why can't you eat those?

• 1:06:32Speaker 02

  Well, sometimes it's far too much fiber and like, usually.

• 1:06:36Caleb Hammer?

  Can you eat them, dude?

• 1:06:37Speaker 02

  Well, cooked vegetables and stuff and a lot of the times.

• 1:06:42Speaker 01

  But he doesn't like a lot of cooked vegetables.

• 1:06:43Caleb Hammer?

  What do you eat? What do you eat?

• 1:06:47Speaker 02

  Soy.

• 1:06:48Speaker 01

  Tofu. No, when you said eat a block of tofu, that's literally what my dinner was.

• 1:06:52Caleb Hammer?

  So you're just going to a little goblin hole and eat f***ing blocks of tofu?

• 1:06:56Speaker 02

  Damn straight, with some spicy mayo.

• 1:06:57Speaker 01

  Mm-hmm. Yeah, air fried tofu.

• 1:07:01Caleb Hammer?

  Okay, but it's not real mayonnaise.

• 1:07:03Speaker 02

  No, it's fake mayonnaise.

• 1:07:04Speaker 01

  That is so silly whenever people say that, like, we told you we're vegan, obviously, it's not real mayonnaise.

• 1:07:09Caleb Hammer?

  Well, it's not called mayonnaise, then.

• 1:07:10Speaker 02

  Well, that's what it says on the jar.

• 1:07:12Speaker 01

  Okay.

• 1:07:13Speaker 02

  Says plant-based mayo.

• 1:07:14Speaker 01

  Hot dogs, are those dogs? Let's not call it that, then. Come on.

• 1:07:17Caleb Hammer?

  No, but that's the name of the food.

• 1:07:18Speaker 01

  And it's mayonnaise.

• 1:07:19Speaker 02

  It's the name of the food.

• 1:07:20Caleb Hammer?

  Yeah, but it's not mayonnaise. Listen, all I'm gonna say is, uh, I'm doing a little he has on vegan. I would actually enjoy vegan cheese if they didn't say it was cheese.

• 1:07:31Speaker 02

  Nah, you're tripping.

• 1:07:32Speaker 01

  You're tripping.

• 1:07:32Caleb Hammer?

  Oh, hold on.

• 1:07:33Speaker 02

  100%. That's just a you problem, brother.

• 1:07:36Caleb Hammer?

  Actual food item. It doesn't taste or have the texture.

• 1:07:40Speaker 01

  Have you had rebel cheese? Have you had rebel cheese? They're, they're local here. I learned that.

• 1:07:44Speaker 02

  And they're fantastic.

• 1:07:45Caleb Hammer?

  And it was actually the worst restaurant I've been to this last year.

• 1:07:48Speaker 01

  Restaurant, I don't care, but their cheese is good.

• 1:07:50Caleb Hammer?

  Well, they served the cheese there.

• 1:07:52Speaker 01

  I don't know.

• 1:07:52Caleb Hammer?

  Oh my, well, I had a lot of their cheese. I had like their sampler platter.

• 1:07:55Speaker 02

  You had the brie?

• 1:07:56Caleb Hammer?

  Huh?

• 1:07:57Speaker 02

  The brie?

• 1:07:58Caleb Hammer?

  Dude, I had like so much. I had like the fucking, I had so much there. It was the worst restaurant experience I've had in the last year and I'll never go.

• 1:08:04Speaker 02

  Maybe you don't like cheese.

• 1:08:05Caleb Hammer?

  I love cheese. Uh, cheese. Listen, here's the thing. Again, I, when I go to the farmer's market here, there's lots of vegan things. I would actively just if they had a different name for what it is, if they called it falama jam. And I'm like, oh, what's falama jam? Oh, that is really interesting. And they didn't say, this is cheese. And then I put it in my mouth and it's like, not even in the same world is cheese. They just call it something else and I'm totally down because then it's its own food.

• 1:08:34Speaker 02

  Nah.

• 1:08:34Caleb Hammer?

  Don't, don't call something meat if it's not meat.

• 1:08:37Speaker 02

  Nah.

• 1:08:37Caleb Hammer?

  It doesn't taste like meat. It doesn't have the texture of meat. It's not meat.

• 1:08:40Speaker 01

  Oh, oh.

• 1:08:41Speaker 02

  But hold on, you know, somebody.

• 1:08:42Speaker 01

  That actually tastes like.

• 1:08:43Caleb Hammer?

  Well, I had, guess what? I had all the best stuff.

• 1:08:46Speaker 01

  Did you have juicy marbles?

• 1:08:47Caleb Hammer?

  I, I, I fucking rebel. I had all their deli meats.

• 1:08:50Speaker 01

  I don't know if.

• 1:08:51Speaker 02

  Juicy marbles?

• 1:08:52Speaker 01

  Try some juicy marbles.

• 1:08:54Speaker 02

  Blow your mind away.

• 1:08:56Speaker 01

  They should put us on the payroll when we resell them.

• 1:08:59Speaker 02

  1000%.

• 1:08:59Speaker 01

  Like hype them up to people.

• 1:09:01Caleb Hammer?

  I'm going to try it and it will be at the end of this episode.

• 1:09:05Speaker 02

  Oh.

• 1:09:05Caleb Hammer?

  And I will give an actual real review of someone that's able to eat also just food. So I know what other things taste like. Okay. Bank of America credit card. Who's this?

• 1:09:16Speaker 02

  Oh, that's me.

• 1:09:18Caleb Hammer?

  What's up?

• 1:09:18Speaker 02

  I opened that up because we were moving into our loan apartment and at that point-

• 1:09:25Caleb Hammer?

  Your loan apartment?

• 1:09:26Speaker 01

  Alone. He was saying like without a roommate.

• 1:09:28Speaker 02

  And it was when I was transitioning into being an EMT when we had first moved into that like loner apartment together.

• 1:09:35Speaker 01

  What? No.

• 1:09:36Speaker 02

  No, never mind, never mind. It was after that.

• 1:09:37Speaker 01

  He doesn't know literally anything that has occurred.

• 1:09:39Speaker 02

  I'm tripping, I'm tripping, I'm tripping. But I didn't have the-

• 1:09:42Speaker 01

  That was when you were unemployed?

• 1:09:44Speaker 02

  Paycheck. Yeah. No, I didn't have the paycheck yet. Like I had started the Cheddar's job, but I didn't have the paycheck yet. And I opened up that Bank of America card to put first month's rent on.

• 1:09:55Caleb Hammer?

  You put rent on a credit card?

• 1:09:56Speaker 02

  I put rent on it, yeah. Absolutely.

• 1:09:58Caleb Hammer?

  Oh my god.

• 1:10:03Caleb Hammer?

  Oh dude, it's basically maxed out again. So you may not have purchased this month, but you definitely have within the last few. There's no mathematical reality world where you didn't have recently purchased. It wouldn't be possible.

• 1:10:18Speaker 02

  Nah.

• 1:10:20Caleb Hammer?

  It wouldn't be possible.

• 1:10:21Speaker 02

  The minimum monthly payment on that one was super low for a long time and I was only paying the minimum-

• 1:10:26Caleb Hammer?

  It takes nine years to pay off.

• 1:10:29Speaker 02

  The minimum-

• 1:10:30Caleb Hammer?

  For fuck's sake.

• 1:10:31Speaker 02

  Yeah, minimum monthly payment is like thirty.

• 1:10:33Caleb Hammer?

  This isn't related, but they just wanted to feed me a little fuck you to me. Just ruined my day. You didn't pay your taxes in 2023? Why? For why? It's not like you make money.

• 1:10:44Speaker 02

  No, no, so-

• 1:10:45Caleb Hammer?

  I mean, you do. No, you do now. No, nevermind. I was gonna, I was more thinking you.

• 1:10:50Speaker 02

  Yeah. When we had, and I think it must have been an issue, it was that we moved apartments.

• 1:10:55Speaker 01

  Yeah.

• 1:10:57Speaker 02

  So when we had-

• 1:10:58Speaker 01

  W2, yeah. Like getting it mailed to you.

• 1:11:00Caleb Hammer?

  Oh my gosh.

• 1:11:01Speaker 02

  I never, I didn't receive. Well, hold on. Here's the thing. I looked up online to try and find it.

• 1:11:06Caleb Hammer?

  Here's the thing is yours and let me get there is yours.

• 1:11:10Speaker 01

  Well, maybe if you let me get there.

• 1:11:12Caleb Hammer?

  Do you guys just repeat those to each other all day?

• 1:11:13Speaker 01

  Probably.

• 1:11:14Caleb Hammer?

  You just walk around like little NPCs? Well, here's the thing.

• 1:11:16Speaker 01

  Probably, honestly, yeah.

• 1:11:17Caleb Hammer?

  Let me get there. Here's the thing.

• 1:11:20Speaker 02

  Absolutely.

• 1:11:21Caleb Hammer?

  Okay, well, tell me the thing that's here.

• 1:11:22Speaker 02

  Alright. So the issue is, I never got that W2.

• 1:11:27Caleb Hammer?

  Into the mic would be preferable.

• 1:11:27Speaker 02

  Sorry. I didn't get that. I didn't get that W2 in the mail and then I tried to look it up online. I really did. I couldn't find it.

• 1:11:36Caleb Hammer?

  What is that, five minutes on the internet?

• 1:11:38Speaker 02

  No.

• 1:11:39Caleb Hammer?

  Did you call them?

• 1:11:39Speaker 02

  I called them and they gave me an email to email. I emailed them several times.

• 1:11:44Caleb Hammer?

  Okay.

• 1:11:44Speaker 02

  And they never emailed me back.

• 1:11:46Caleb Hammer?

  Did you call them again?

• 1:11:47Speaker 02

  Yes.

• 1:11:47Caleb Hammer?

  Okay.

• 1:11:48Speaker 02

  And then I called my supervisor because I still had like his number.

• 1:11:51Caleb Hammer?

  Yeah.

• 1:11:52Speaker 02

  I was like, dude, I don't have my W two. I can't find it online. And he gave me the same email again.

• 1:11:57Caleb Hammer?

  Hmm.

• 1:11:58Speaker 02

  And I was like.

• 1:11:58Caleb Hammer?

  Yeah, it sucks.

• 1:12:00Speaker 02

  What the heck?

• 1:12:00Caleb Hammer?

  Okay, well, it's been a couple of years.

• 1:12:03Speaker 01

  Yeah, it's, I feel like it goes in.

• 1:12:06Caleb Hammer?

  Do they tell you how much you owe? You just haven't filed.

• 1:12:11Speaker 01

  Yeah.

• 1:12:12Speaker 02

  And.

• 1:12:12Caleb Hammer?

  Twenty twenty-three.

• 1:12:13Speaker 02

  No.

• 1:12:13Caleb Hammer?

  You're likely not going to be on the radar anyway, but like, it's still. I mean, it could, it could randomly throughout the next few years if something, I don't know, who knows? You never know how things change.

• 1:12:26Speaker 02

  I know, and I am trying to get like somewhere with it. I think I saw.

• 1:12:30Caleb Hammer?

  You filed for an extension.

• 1:12:32Speaker 02

  I did file for an extension when I didn't get that W two.

• 1:12:35Caleb Hammer?

  And?

• 1:12:35Speaker 02

  But then I kept trying to like email and call and I never got the W two. So I missed the like extension.

• 1:12:42Caleb Hammer?

  Did you pay twenty twenty-four's taxes?

• 1:12:44Speaker 02

  Uh, not yet. Like.

• 1:12:45Caleb Hammer?

  Well, you haven't have had to. We're not, we're not at the deadline yet at the time of filming this, so pretty close, though.

• 1:12:51Speaker 02

  I know, I know.

• 1:12:52Caleb Hammer?

  What, what does your tax situation look like for this next year? Shouldn't be too crazy if your withholdings are.

• 1:12:56Speaker 02

  It's just W two, so.

• 1:12:58Caleb Hammer?

  Well, yeah, but.

• 1:12:59Speaker 02

  I mean, I'm assuming that whatever return I would have gotten on that twenty twenty-three, I probably won't be receiving when I.

• 1:13:06Caleb Hammer?

  Where you guys usually put your tax returns?

• 1:13:08Speaker 02

  I, I usually do TurboTax.

• 1:13:11Caleb Hammer?

  No, I'm not the platform. What do you guys do with your tax returns? Because usually when we're in a financial position, a lot of people rely on their tax returns.

• 1:13:17Speaker 01

  In a way, in a little bit of a way this time for me, because I, I filed like ASAP as soon as I could, as soon as I had all my stuff. For, I don't know, in January, yeah, for last year. Yeah, yeah, for last year, yeah.

• 1:13:28Caleb Hammer?

  Okay, did you get the money? What did you use it for?

• 1:13:30Speaker 01

  Um, it was like fate almost because I got like the exact amount that I got was how much money we had left.

• 1:13:38Caleb Hammer?

  What credit card did you pay off?

• 1:13:40Speaker 01

  Um, it wasn't a credit card. It was a loan for a PC. For a PC.

• 1:13:44Caleb Hammer?

  But you paid off the loan?

• 1:13:45Speaker 01

  Yeah, yeah, all the way.

• 1:13:47Speaker 02

  All the way.

• 1:13:48Speaker 01

  It was like the same exact amount. It was fate.

• 1:13:49Speaker 02

  Okay, yeah.

• 1:13:50Caleb Hammer?

  When the fuck did you get this PC?

• 1:13:52Speaker 02

  Um.

• 1:13:53Caleb Hammer?

  How much was it?

• 1:13:54Speaker 02

  A thousand five hundred.

• 1:13:56Caleb Hammer?

  You got a loan for that?

• 1:13:58Speaker 02

  Well.

• 1:13:58Caleb Hammer?

  You could have cash flow that with your guys' income.

• 1:14:00Speaker 02

  We did like the bread pay thing.

• 1:14:03Speaker 01

  We were, we were, we didn't look into it enough. It was, we thought it was.

• 1:14:06Caleb Hammer?

  Is it even good? What do you have?

• 1:14:08Speaker 02

  The PC?

• 1:14:09Caleb Hammer?

  Thirty, forty or something?

• 1:14:11Speaker 01

  I don't know anything about anything. I play Stardew Valley. That's all I got.

• 1:14:14Caleb Hammer?

  Could have got a Switch.

• 1:14:15Speaker 02

  We have a Switch.

• 1:14:16Speaker 01

  We have a Switch and I have it on my, the Xbox as well. Okay, anyways, um.

• 1:14:22Caleb Hammer?

  Okay.

• 1:14:23Speaker 01

  It was one of those, it was almost like after pay kind of thing.

• 1:14:26Speaker 02

  Yeah, it's like after.

• 1:14:28Caleb Hammer?

  I don't remember if I set up a G O one thousand eight hundred seventy eight dollars and fifty eight cents on here minimum payment fifty seven dollars. Nine years to pay off, interest rate twenty seven point two four percent.

• 1:14:39Caleb Hammer?

  Synchrony, what's this? Who oozes Synchrony?

• 1:14:42Speaker 01

  Me.

• 1:14:42Caleb Hammer?

  What's going on?

• 1:14:43Speaker 01

  It's my care credit. So.

• 1:14:47Caleb Hammer?

  Yeah, it is.

• 1:14:49Speaker 01

  I don't like care credit.

• 1:14:50Caleb Hammer?

  Oh, you have them and you refuse to get rid of them because?

• 1:14:53Speaker 01

  I'm try, I don't, I don't refuse. I want to. I'm just getting there.

• 1:14:57Caleb Hammer?

  The choices that would do that.

• 1:14:58Speaker 01

  I'm getting there, but.

• 1:14:59Caleb Hammer?

  Kind of.

• 1:15:00Speaker 01

  Kind of.

• 1:15:00Caleb Hammer?

  Again, like usual, no, you're actually not.

• 1:15:02Speaker 01

  A little bit.

• 1:15:03Caleb Hammer?

  What's your food spending in your book? Okay.

• 1:15:06Speaker 01

  Yeah, that's, I'll give you that one with the food, but.

• 1:15:08Caleb Hammer?

  Yeah, you'll give me reality. Thank you. I appreciate it.

• 1:15:10Speaker 01

  Um, so I, I'm sorry.

• 1:15:14Caleb Hammer?

  Thirteen years to pay off, two thousand eight hundred four dollars, five cents, ninety two dollar minimum payment. Why'd you get into this? How'd you get into this?

• 1:15:20Speaker 01

  In twenty twenty two, I think, maybe ish. So like I had braces when I was little and I always wore my retainers. Yes, I'm going back to braces. I had always worn my retainers because I don't know, I wanted my teeth to stay nice. Like, I don't know, most people don't do that, you know, but I did. Not like staying in any type of way. Thank you. I appreciate that. Um, but.

• 1:15:41Caleb Hammer?

  So this is all a Vizalign?

• 1:15:43Speaker 01

  Not all. So, so.

• 1:15:46Speaker 01

  Yeah.

• 1:15:49Caleb Hammer?

  Okay, thirteen years to pay off.

• 1:15:54Caleb Hammer?

  Yeah. Lots of interest this year so far, just this year so far, three hundred.

• 1:15:59Speaker 01

  Yeah, and I don't even think I've made a purchase at all on there. So it's like, I mean, like, obviously.

• 1:16:04Caleb Hammer?

  Twenty-six percent.

• 1:16:05Speaker 01

  Yeah.

• 1:16:06Caleb Hammer?

  Is that all the debt?

• 1:16:07Speaker 01

  Mm-mm.

• 1:16:07Speaker 02

  No, no, definitely not.

• 1:16:09Caleb Hammer?

  Wait, what is this? What am I saying? Okay, I have an account here.

• 1:16:12Speaker 02

  Yeah.

• 1:16:12Caleb Hammer?

  Uh, da-da-da, oh, balance forty thousand.

• 1:16:15Speaker 02

  Oh, yeah.

• 1:16:16Caleb Hammer?

  Total, forty thou- uh, auto Subaru, twenty-two Subaru Legacy.

• 1:16:22Speaker 02

  Yes, sir.

• 1:16:22Caleb Hammer?

  Hey, why'd you get a twenty-two? With your guys' financial situation? Why would we get a forty thousand dollar, why would you get a forty thousand dollar car in your guys' financial position, guys?

• 1:16:35Speaker 02

  I mean.

• 1:16:36Caleb Hammer?

  Guys, forty thousand, eight hundred five thousand twenty-eight cents. Come on!

• 1:16:43Speaker 02

  Yeah, no, I definitely hear you about it and, hey, it's not fantastic for sure, but I don't think it's the worst at the same time.

• 1:16:51Speaker 01

  I told him not to say that.

• 1:16:52Speaker 02

  Hold on, hold on, hold on, hold on, hold on.

• 1:16:54Caleb Hammer?

  You're right, it's not a hundred thousand dollars.

• 1:16:56Speaker 01

  No, no.

• 1:16:57Speaker 02

  It's, hold on, so, before that, I had like a twenty-twelve Chrysler two hundred. Um, and when I had bought that car, it was just because I had an oh-six before that.

• 1:17:11Caleb Hammer?

  Oh-six what?

• 1:17:12Speaker 02

  It was like a Mercedes E350.

• 1:17:14Caleb Hammer?

  I don't know why I asked him.

• 1:17:17Speaker 02

  That one, that one wasn't my idea, but that one was a cheap car that I had gotten.

• 1:17:21Caleb Hammer?

  Sure, and then you got the dealer mobile and then something happened, okay, we had, we, okay.

• 1:17:24Speaker 02

  Yep. And every single time I've had to take it to the mechanic, it's been like several thousands of dollars.

• 1:17:32Caleb Hammer?

  I don't understand why the sequels get a forty thousand dollar car.

• 1:17:33Speaker 02

  Well, here's the thing, when

• 1:17:38Speaker 02

  I was driving the dealer mobile.

• 1:17:41Caleb Hammer?

  Yes.

• 1:17:42Speaker 02

  And one of the issues that it had was like control arm issues, not the mechanic had said. But it had like spun out and I was just out of control on the highway and ended up perpendicular to the lanes. And that just really got me sketched out about the car already. And when I had gotten that car, I was trying to get purposely a cheap, a cheaper car.

• 1:18:05Caleb Hammer?

  What was cheaper?

• 1:18:06Speaker 02

  Well, that one was like a $10,000 car.

• 1:18:10Caleb Hammer?

  Get a $20,000 car.

• 1:18:11Speaker 02

  No.

• 1:18:12Caleb Hammer?

  Better than 40.

• 1:18:12Speaker 02

  And I hear you, but that was like a 20 something thousand dollar car. And I had to roll over negative equity from.

• 1:18:20Caleb Hammer?

  How much?

• 1:18:20Speaker 02

  It had like five to six K of negative equity on it.

• 1:18:24Caleb Hammer?

  So it would have been a 25,000 dollar loan.

• 1:18:25Speaker 02

  And I got like gap insurance with it and all these.

• 1:18:31Caleb Hammer?

  Warranties and all that bullshit?

• 1:18:32Speaker 02

  Yeah.

• 1:18:32Caleb Hammer?

  All the way up to, wha- when did you get this?

• 1:18:35Speaker 02

  We got it just last year in October. Well.

• 1:18:39Caleb Hammer?

  The whole thing, the whole package.

• 1:18:42Speaker 02

  I don't think they told me like the full number.

• 1:18:45Caleb Hammer?

  What's the interest rate?

• 1:18:46Speaker 02

  It's 8.24.

• 1:18:47Caleb Hammer?

  Oh, for fuck's sake, 8.2 on $40,000.

• 1:18:50Speaker 02

  I know, but.

• 1:18:51Caleb Hammer?

  Term length?

• 1:18:52Speaker 02

  It's like 80 something, long term.

• 1:18:55Caleb Hammer?

  Why? Okay, what's the minimum monthly?

• 1:18:57Speaker 02

  The minimum monthly is like 668.

• 1:19:00Caleb Hammer?

  Good death. How the fuck can you think you can even afford that?

• 1:19:03Speaker 02

  Well, that's the thing. I started.

• 1:19:05Caleb Hammer?

  What's the thing?

• 1:19:06Speaker 02

  I started working a lot more of the overtime shifts and I was very regular with that. And so, you know, my income hadn't played in it, basically doubled from where it was. And I didn't want to get another car where I was just like, man.

• 1:19:23Caleb Hammer?

  But there's a middle ground.

• 1:19:24Speaker 02

  I know that there is a middle ground, but honestly, I got very excited about it because it was a used car.

• 1:19:31Caleb Hammer?

  Well, you better be for the next fucking like nine years of your life.

• 1:19:35Speaker 02

  I will die in that car. You could bury me in that car.

• 1:19:37Caleb Hammer?

  You probably will if you drive like you did in the Charger.

• 1:19:39Speaker 02

  Well, huh, it wasn't a Charger.

• 1:19:41Caleb Hammer?

  Late payment, late payment, SS fee. Hey, we pay all our bills on time. They said that earlier.

• 1:19:48Caleb Hammer?

  This is about to be your husband.

• 1:19:49Speaker 02

  Yeah. That was.

• 1:19:53Caleb Hammer?

  Yeah, here's the thing.

• 1:19:54Speaker 02

  Here's the thing. So I believed, because when I first called to make a payment, uh, when we got it.

• 1:20:02Caleb Hammer?

  I need to put you at two times speed.

• 1:20:04Speaker 01

  I say that all the time. I'm like, let's speed it up. Let's go.

• 1:20:08Speaker 02

  I'm sorry. You know, it's just the way I speak. But when I went and I got it, I called, do the payment. They're like, so there's a 10 day grace period in order to make the payments and the payment is at the end of the month. So I had.

• 1:20:22Caleb Hammer?

  Okay, you had a late fee.

• 1:20:23Speaker 02

  I had a late fee.

• 1:20:27Caleb Hammer?

  8.24% interest.

• 1:20:30Speaker 02

  Is it better interest than last car?

• 1:20:32Caleb Hammer?

  What do you drive?

• 1:20:34Speaker 01

  Um, I drive.

• 1:20:35Caleb Hammer?

  What is the car worth? Do we know? Do we, does anyone know?

• 1:20:37Speaker 01

  2017 Honda Civic.

• 1:20:40Caleb Hammer?

  Does anyone know what your car is worth?

• 1:20:41Speaker 02

  My car is like 25 or like anywhere between 23 and 25,000 dollars.

• 1:20:46Caleb Hammer?

  Assume 23 then. That's an insane negative equity position. Do you have a loan on your car? Thanks. How is your car?

• 1:20:54Speaker 01

  I mean, I don't, like, it's good in the terms that I don't have a loan and I don't have to pay money for it, but it's kind of like screwed up.

• 1:20:59Caleb Hammer?

  Why? How? Tell me.

• 1:21:01Speaker 01

  Because people hit my car a lot. It's like I get in a lot of accidents and like they are actually genuinely not me. I don't know. Ask Tampa drivers. They're literally crazy. Like I got rear ended while I was fully at a stoplight. No, okay, so I got rear. This was the first time I got rear.

• 1:21:17Caleb Hammer?

  Oh, no, no, no, no, no, no, no, no, no, no.

• 1:21:20Speaker 01

  And just to like make it even better, there's part of this that has to do with the ex because he let his friend drive my car while he was on acid.

• 1:21:26Caleb Hammer?

  You get in accidents. You get in accidents.

• 1:21:28Speaker 01

  I got rear ended. Yeah, that's it. That's it. That's it. I wasn't even saying anything. No, I drive very well. Thank you.

• 1:21:33Caleb Hammer?

  Then your insurance would cover it.

• 1:21:35Speaker 02

  No, no, no, no.

• 1:21:35Speaker 01

  No, because I didn't call the cops because the guy, it was my first accident and the guy was very like, oh, are you hurt? Do you need a ride home? I'll call you an Uber. Like he was like very nice.

• 1:21:44Caleb Hammer?

  And accidents would imply more than one.

• 1:21:46Speaker 01

  Well, that time and then my insurance did cover. It wasn't like money wise. It was just that.

• 1:21:51Caleb Hammer?

  How is the condition of your car drivable? Drivable?

• 1:21:53Speaker 02

  Drive. It's all the way drivable.

• 1:21:55Speaker 01

  Chill. It's just that it doesn't have lights.

• 1:21:57Caleb Hammer?

  The rest doesn't matter. Lights replace them.

• 1:21:59Speaker 01

  No, like.

• 1:22:00Caleb Hammer?

  Go to the fucking place and get lights.

• 1:22:03Speaker 01

  It's 2,000. No, it's not. It's like 2,000 dollars.

• 1:22:05Caleb Hammer?

  Good. We might need that because you're probably going to get pulled and you're going to get a ticket, right?

• 1:22:09Speaker 02

  No, no, no. So what we do is.

• 1:22:10Speaker 01

  We have a system.

• 1:22:11Speaker 02

  Yeah, we have a system. She doesn't drive her car at night.

• 1:22:15Speaker 01

  I have brake lights, like I have enough of those, they're legal. And I have like a little bit of headlights, like not the full headlights, but so I don't drive it in the morning. He drives, I drive his car to work and then he stops by.

• 1:22:27Caleb Hammer?

  You've had four reendings.

• 1:22:28Speaker 01

  Yeah.

• 1:22:30Speaker 01

  I'm literally just stopped. I don't know what you want from me. Like they hit me.

• 1:22:34Caleb Hammer?

  No, I want you to go get sh** fixed and try to claim insurance and call the cops.

• 1:22:39Speaker 01

  Okay, listen, listen. It's, and I think you'll probably, once I say this, see a common theme is like, we're just chronic pusher offers of things. Like, we want to do things, but we just keep pushing them off.

• 1:22:49Caleb Hammer?

  Well, because you refuse to make a single plan, so why would you do things now?

• 1:22:53Speaker 01

  Yeah.

• 1:22:53Caleb Hammer?

  I mean, it aligns with your entire worldview and what you do in life, so I'm not surprised. Student loans, I see $21,922, so whose are these?

• 1:23:02Speaker 02

  Mine.

• 1:23:03Caleb Hammer?

  For what?

• 1:23:04Speaker 02

  I got a bachelor's in biomedical science.

• 1:23:07Caleb Hammer?

  Cool. Is there a minimum monthly payment associated with these?

• 1:23:10Speaker 02

  Nah, right now they're in forbearance.

• 1:23:13Caleb Hammer?

  Okay. When does that end?

• 1:23:15Speaker 02

  I don't know. When the forbearance.

• 1:23:18Caleb Hammer?

  Forbearance?

• 1:23:19Speaker 02

  That's what it said when I looked, yeah.

• 1:23:23Caleb Hammer?

  Not the firmament, forbearance?

• 1:23:25Speaker 02

  Forbearance.

• 1:23:27Speaker 02

  That's what it said.

• 1:23:27Caleb Hammer?

  You're 100% sure?

• 1:23:29Speaker 01

  I'm not confident in that.

• 1:23:31Speaker 02

  Yeah.

• 1:23:31Speaker 01

  I don't know.

• 1:23:32Caleb Hammer?

  Okay, and you talked to them and said you had hardship or something?

• 1:23:37Speaker 02

  No.

• 1:23:38Caleb Hammer?

  Just nothing happened?

• 1:23:38Speaker 01

  Yeah.

• 1:23:39Speaker 02

  Yeah, I don't, it just, it just got put on that and I said, okay.

• 1:23:45Caleb Hammer?

  Does it have a ending date?

• 1:23:46Speaker 02

  Not that I saw when I went, like, they didn't have like an end date for the forbearance period, if that's what you mean.

• 1:23:51Caleb Hammer?

  Well, interest is still probably accruing.

• 1:23:53Speaker 02

  Yeah. Yeah.

• 1:23:54Caleb Hammer?

  So why not make payments anyway then?

• 1:23:56Speaker 02

  Yeah, I got you.

• 1:23:58Caleb Hammer?

  No, that was my question.

• 1:23:59Speaker 02

  I mean, honestly, because it felt like not the priority when all the other debt was so much.

• 1:24:07Caleb Hammer?

  Just interest only, at least.

• 1:24:09Speaker 02

  Okay.

• 1:24:09Caleb Hammer?

  Is that the end of debt?

• 1:24:11Speaker 02

  Hmm. I think so.

• 1:24:17Speaker 01

  I think so, yeah.

• 1:24:18Caleb Hammer?

  See 1,186 in this checking account, but that's not too, that's not bad at all. Um, whose is this? Bank of America?

• 1:24:25Speaker 02

  Mine.

• 1:24:26Caleb Hammer?

  Okay, not bad. Zelle, mental health, 2,132.

• 1:24:33Caleb Hammer?

  That's deposits, sorry.

• 1:24:33Speaker 02

  Yeah.

• 1:24:34Caleb Hammer?

  Um, oh.

• 1:24:37Caleb Hammer?

  Okay. Okay. I mean, cheap at Target. Highly doubt this grocery store is $16.

• 1:24:45Speaker 01

  Yeah, definitely groceries.

• 1:24:47Caleb Hammer?

  Really?

• 1:24:48Speaker 01

  Yeah.

• 1:24:48Speaker 02

  So.

• 1:24:49Caleb Hammer?

  You don't have time to cook, but you have time to grocery store five times a day?

• 1:24:52Speaker 01

  No, we live like less than a minute next to the Target.

• 1:24:55Speaker 02

  It is right next to the Target.

• 1:24:57Caleb Hammer?

  You live less than zero seconds from your kitchen.

• 1:25:00Speaker 01

  Yeah, and then we cook with the ingredients.

• 1:25:02Caleb Hammer?

  But there's no time for the kitchen.

• 1:25:03Speaker 02

  No, no, no, it's not saying that.

• 1:25:04Speaker 01

  He cooks dinner like every night, so it's not even like that.

• 1:25:06Caleb Hammer?

  What are we talking about? Why can't you prepare for the next day?

• 1:25:09Speaker 02

  It's, it's because we don't have the forethought sometimes. We don't.

• 1:25:13Caleb Hammer?

  Write a note.

• 1:25:14Speaker 01

  The pusher offer of like.

• 1:25:16Caleb Hammer?

  Write a note, a sticky note.

• 1:25:18Speaker 02

  Yeah, because sometimes.

• 1:25:19Caleb Hammer?

  Wendy's Smoke Shop.

• 1:25:21Speaker 02

  Yeah.

• 1:25:23Caleb Hammer?

  Salon, vending machine.

• 1:25:26Speaker 02

  Yep.

• 1:25:27Caleb Hammer?

  Twig's Garage.

• 1:25:29Speaker 02

  That is technically a work expense.

• 1:25:32Caleb Hammer?

  Are you able to declare it as work expense?

• 1:25:33Speaker 02

  Yes.

• 1:25:34Caleb Hammer?

  Every rose, $150.

• 1:25:36Speaker 02

  Oh, that was, um.

• 1:25:37Speaker 01

  That was my site, but that one got refunded. That's the one I was talking about, yeah.

• 1:25:41Speaker 02

  It was to make sure that we had a way to pay.

• 1:25:42Caleb Hammer?

  Refunded. Smoothie, Evas.

• 1:25:45Speaker 02

  Yep.

• 1:25:45Caleb Hammer?

  Maybe groceries, Taco Bell, Amazon, Zyko Brew, Museum of Science, Taco Dirty, Taco Dirty, Vapor and Pipes, Amazon, Amazon, we gotta go through those, Apple Bill. Cash App and Al, Amazon, Ginza Online?

• 1:26:01Speaker 01

  Sushi.

• 1:26:02Caleb Hammer?

  $43, so it's like $43. You don't have money. You're trying to move to Oregon. Why are we even moving? We'll talk, wait, hold that. Maybe groceries, maybe groceries, Burger King. The Garage, The Garage, Burger King, Vegan International.

• 1:26:15Speaker 01

  That was the birthday meal.

• 1:26:17Caleb Hammer?

  Fat Burger, Greenhouse Smoke, Taco Bell, Vending Machine, Burger King, Netflix, going in, getting some Monster or vapes. You vape endlessly. This is fucking crazy. You're gonna die. Don't you want to be around for her? Amazon, Amazon, Amazon, Amazon, Spotify.

• 1:26:33Caleb Hammer?

  Vending Machine, Vending Machine, Maybe Groceries, Cash App, $35. Lots of Cash App. And then also Zellin, Zellin, Zellin, Zellin. Lots of Zellin out. Is that to her?

• 1:26:42Speaker 01

  Yeah, it's money between us.

• 1:26:43Caleb Hammer?

  Why?

• 1:26:44Speaker 01

  Because we don't have a joint bank account.

• 1:26:45Caleb Hammer?

  Yeah, but what are you guys sending? And for what? Spending bills?

• 1:26:48Speaker 02

  So, yeah, for bills or any payments.

• 1:26:51Speaker 01

  Or like the net stuff when I didn't have money in my account, he sent it over and like, you know, that kind of thing.

• 1:26:55Caleb Hammer?

  Ally, who's that?

• 1:26:57Speaker 01

  Me.

• 1:26:57Caleb Hammer?

  1,400, also not bad. Zellin out, Zellin out.

• 1:27:05Caleb Hammer?

  Zell and out PayPal.

• 1:27:08Speaker 01

  That might be pet food. Depends on how much it is.

• 1:27:11Caleb Hammer?

  Zell, maybe groceries, Amazon PayPal, Zell, Amazon, maybe groceries, Zell. Okay. Hundred forty savings.

• 1:27:24Speaker 01

  Yeah, what's left of them after the car.

• 1:27:26Caleb Hammer?

  Yeah, went down from six thirty nine.

• 1:27:28Speaker 01

  Yeah.

• 1:27:29Caleb Hammer?

  Fidelity, three thousand five hundred eighty four for who?

• 1:27:32Speaker 02

  Uh, for her.

• 1:27:33Caleb Hammer?

  Okay, you're definitely bear behind for your retirement.

• 1:27:34Speaker 01

  Wait, that's definitely not how much I have in there. I have more.

• 1:27:37Caleb Hammer?

  Well, and for, uh.

• 1:27:39Speaker 01

  Is that like the stock thing? Is that the Starbucks stock thing? Yeah, this stuff was weird with that.

• 1:27:45Caleb Hammer?

  But I do have in this statement thirteen thousand for 401K. So is this individual stocks? Is that what that is?

• 1:27:51Speaker 02

  I think it's just a Starbucks stock or it's the Roth.

• 1:27:54Speaker 01

  And I have a Roth IR as well.

• 1:27:56Caleb Hammer?

  You're also dramatically behind at five hundred forty six. You're still behind even with your combined of sixteen thousand.

• 1:28:02Speaker 01

  Yeah.

• 1:28:03Caleb Hammer?

  Is that it?

• 1:28:04Speaker 02

  Yeah.

• 1:28:04Caleb Hammer?

  Have we done it?

• 1:28:05Speaker 01

  Yes.

• 1:28:05Caleb Hammer?

  Why are we moving to Oregon?

• 1:28:08Speaker 01

  Cause it's nice over there. You ever been?

• 1:28:09Caleb Hammer?

  Well, maybe you can't yet.

• 1:28:11Speaker 01

  Have you ever been?

• 1:28:12Caleb Hammer?

  Nope.

• 1:28:12Speaker 01

  You should go.

• 1:28:13Caleb Hammer?

  Maybe you can't yet. Okay, sure. Maybe you can't yet.

• 1:28:15Speaker 02

  We're not saying we're moving tomorrow.

• 1:28:17Caleb Hammer?

  When are you moving?

• 1:28:18Speaker 02

  I don't know. That's the thing.

• 1:28:19Caleb Hammer?

  So we want to, we just don't know. We want to get married. We just don't know. You don't know because she's not willing to actually sit down and actually discuss the future?

• 1:28:27Speaker 02

  It's definitely a part of it and it's also just trying to figure out exactly how to figure, how to fix the finances.

• 1:28:34Speaker 01

  Pushing things off.

• 1:28:35Speaker 02

  How do we tackle things?

• 1:28:37Caleb Hammer?

  What have you guys done to fix finances?

• 1:28:38Speaker 01

  A lot, actually. I know everyone says that and then you don't believe them and you don't care, but like it's genuinely true.

• 1:28:43Caleb Hammer?

  Double what you made.

• 1:28:44Speaker 01

  Yeah, but it's genuinely true.

• 1:28:46Caleb Hammer?

  What have you done?

• 1:28:47Speaker 01

  If you would have seen the other statements, I'm getting there, it would have been like food, like, cause mine wasn't too bad, like this time. But other statements, it's like fast food, like crazy and we don't do that anymore. And I used to get.

• 1:28:59Caleb Hammer?

  Yeah, but his is like every second. Is he covering you?

• 1:29:02Speaker 01

  To get a drink. Some of that is me on his account too. Yeah. But, um, I used to get a drink like from a little drink shop, like three times a week, four times a week. I don't do that anymore. I bought a big bulk thing of it and I make it my own. So.

• 1:29:15Caleb Hammer?

  Good.

• 1:29:15Speaker 01

  Making progress. You ever had hojicha? It's really good.

• 1:29:17Caleb Hammer?

  No.

• 1:29:18Speaker 01

  You should try that.

• 1:29:18Speaker 02

  Fantastic. It's like mantra, but it's roasted.

• 1:29:21Caleb Hammer?

  I don't know what that is.

• 1:29:23Speaker 01

  Well, we told you. You should try it.

• 1:29:27Caleb Hammer?

  Okay. Your minimum payments without your student loans, which would probably be about 250 bucks a month, is 1,356. We won't put in the student loans one for now, so we need minimum for survival. What's rent again?

• 1:29:40Speaker 02

  Um, 2,048.

• 1:29:42Caleb Hammer?

  Utilities?

• 1:29:44Speaker 02

  130.

• 1:29:45Speaker 01

  Man, where'd those little papers go?

• 1:29:46Speaker 02

  With it being variable.

• 1:29:47Speaker 01

  Had all the numbers.

• 1:29:48Caleb Hammer?

  Internet?

• 1:29:48Speaker 02

  Uh, internet is 37.

• 1:29:51Speaker 01

  39. 37.

• 1:29:54Caleb Hammer?

  39, okay, 37. Phone bill?

• 1:29:56Speaker 02

  Uh, 106.

• 1:29:58Caleb Hammer?

  Gas, room, room, drive, drive?

• 1:30:00Speaker 02

  300.

• 1:30:01Caleb Hammer?

  For both?

• 1:30:02Speaker 02

  Yeah.

• 1:30:02Speaker 01

  Yeah, I live 2 minutes from work. Uh, mine is like, I think it was 104 last time. It's like been different.

• 1:30:09Speaker 02

  Mine is like 221, 225.

• 1:30:11Caleb Hammer?

  Okay, 325. Groceries. Vegan's gonna be more expensive. I, uh, I'm gonna do 700. Don't have a vegan cookbook, uh, but you do get the cookbook again, cause you were here. TP fund, anything else to survive. This is salons, this is whatever you need. This is tampons, this is toilet paper, this is makeup, this is whatever. Okay? It is also body wash. $200. Medical, on a monthly basis. Co-pays, all that good stuff.

• 1:30:44Speaker 01

  I think that's it for medical.

• 1:30:45Caleb Hammer?

  Gyms?

• 1:30:46Speaker 02

  Um.

• 1:30:47Speaker 01

  At the apartment.

• 1:30:48Speaker 02

  Yeah.

• 1:30:48Speaker 01

  Complex.

• 1:30:49Caleb Hammer?

  Pet food?

• 1:30:50Speaker 01

  Mm-hmm.

• 1:30:50Speaker 02

  Mmm. 120.

• 1:30:52Caleb Hammer?

  Pet insurance?

• 1:30:54Speaker 02

  Uh, we need to get it.

• 1:30:56Speaker 01

  I was looking into it.

• 1:30:57Speaker 02

  We don't have it for the cats.

• 1:30:58Caleb Hammer?

  How old is the health of the cats?

• 1:30:59Speaker 01

  Nope, Meg is, um, one of the girls is, um, 10.

• 1:31:02Caleb Hammer?

  Okay, nope then.

• 1:31:03Speaker 01

  Yeah, exactly.

• 1:31:04Caleb Hammer?

  Other one?

• 1:31:04Speaker 02

  The other one is like 3.

• 1:31:05Speaker 01

  Yeah, she, she needs it.

• 1:31:07Speaker 02

  She's in good health, yeah.

• 1:31:08Caleb Hammer?

  I'll put 40.

• 1:31:09Speaker 01

  And for the rats, I wanna get it for the 3 rats too. It was like 15.

• 1:31:13Caleb Hammer?

  Is there?

• 1:31:13Speaker 01

  Yeah.

• 1:31:13Caleb Hammer?

  Plus an additional 45, so pet, uh, would be a total of 85.

• 1:31:19Speaker 01

  I guess.

• 1:31:21Caleb Hammer?

  Okay, we definitely have some little room. It's not huge. Five thousand, seven hundred seventy nine dollars is what you need to survive. If we do the six thousand, two hundred fifty that you think comes in on a normal month, that's four hundred seventy one dollars left over. Four hundred seventy one dollars. We can minimum repay student loans till they're paid off. You need to get back on that. Get on the ten year, ten year traditional repayment plan. Okay, it's gonna be a while. It's gonna take a hundred sixty one months, rounded up a hundred sixty two, really. So one sixty two, that is thirteen and a half years. It might be.

• 1:31:58Caleb Hammer?

  We definitely need to fix your income situation. You're hourly, it's okay, but you're also just not getting enough hours and you're already working a lot. You might just need to also work sixty hours a week and maybe that's the second job. If we do that, if we're able to double this with an extra thousand dollars a month, then with like seventy five. Pay this off in six years. That's okay. It's still hard. Listen, student loans won't go.

• 1:32:22Caleb Hammer?

  This way. But it might be worth bankruptcy, but only if, only if you change your behavior first. You do not go through bankruptcy until you've proven you can change your behavior. Again, the simpler budget app actually tells you everything you need to know. It's all automated, so no excuses anymore. Go through all the classes, the debt one especially, the budgeting one especially, eventually the investing one and eventually the real estate one. You get them for free.

• 1:32:51Caleb Hammer?

  We have all the tools necessary to change your behavior. We don't have all the tools necessary to speed this up above six years. And that's if you bring in a thousand dollars a month, so an extra five hundred dollars net, which you could do if you want.

• 1:33:02Speaker 01

  My store manager wants you to tell me to work more.

• 1:33:05Caleb Hammer?

  Oh, you can work more?

• 1:33:07Speaker 01

  I mean, yes and no. Like I, but my body hurts a lot. Like it's scary because I don't know.

• 1:33:13Caleb Hammer?

  Job that's better.

• 1:33:13Speaker 01

  Yeah, I know.

• 1:33:14Caleb Hammer?

  Whether or not you like this job.

• 1:33:15Speaker 01

  I know.

• 1:33:15Caleb Hammer?

  Okay, so you might just need to find another job.

• 1:33:17Speaker 01

  He won't like that. You said that.

• 1:33:18Caleb Hammer?

  I don't give a what he likes. I want you to get out of debt and last in a decade preferably.

• 1:33:22Speaker 01

  Me too.

• 1:33:22Caleb Hammer?

  Listen, bankruptcy is quicker in terms of even off your credit, you know? Off your credit.

• 1:33:30Caleb Hammer?

  Than it would to take off to pay off your debt in your current situation. Maybe we find it cheaper places while that helps.

• 1:33:34Speaker 01

  Yeah.

• 1:33:35Caleb Hammer?

  The vegan situation that also makes it harder because they give you a little.

• 1:33:37Speaker 01

  We can do it decently cheap.

• 1:33:39Caleb Hammer?

  Well, do it as cheap as possible.

• 1:33:40Speaker 02

  Yeah.

• 1:33:42Caleb Hammer?

  Whatever you can cut back in a healthy way, we have to. Whatever we can do to boost income, we have to. And only there it gets us like five years to pay off and then call in another year for a full fund emergency fund. Only then can we move to Oregon. Are you going to wait that long to get married? That's ridiculous. So I don't know.

• 1:33:57Speaker 01

  Yeah.

• 1:33:59Caleb Hammer?

  Maybe bankruptcy.

• 1:34:02Caleb Hammer?

  Maybe consolidations, but only if we prove it. Only if we prove we have changed our behavior first so that you don't do bankruptcy and get right back into this, which a lot of people on the show have done. So that you don't consolidate and then build all your debt right back up, which a lot of people on this show have done. So those are your options.

• 1:34:21Caleb Hammer?

  You need a budget first and change your behavior first. Then we can figure out which option makes the best sense for you, but you need to budget first and actually prove it first and not spend double what you make.

• 1:34:29Speaker 01

  Yeah.

• 1:34:29Caleb Hammer?

  Speaking of spending it a budget, zero out of 10. Debt.

• 1:34:35Caleb Hammer?

  Crazy thing is, I mean, your credit card is what's brutal and then your car is what's brutal. So that's actually, it's going to bring us down to a one out of 10 because those are bad. If those weren't there or if those were even half, maybe it would be like a two, two out of 10. Merchandise fund?

• 1:34:47Speaker 02

  Yeah.

• 1:34:47Caleb Hammer?

  Not much. A one out of 10. There's like a hundred bucks.

• 1:34:50Speaker 01

  I like how you're going with it.

• 1:34:51Caleb Hammer?

  Saving retirement. We're dramatically behind. You're dramatically behind. You're like a one. You're probably closer to like a three. I'll even and I'll call it a two out of 10 for the house. Real estate, nothing yet. Zero out of 10. It's going to be a hammer financial score rounded up to a one out of 10. Guys, join us in the post show. Join Hammer Elite in the description below. That gets you an upload almost every single day from us and it is more content than any other YouTube membership and it really helps support this channel. And don't forget to download the simpler budget app today. And if you want a free cookbook signed and a free notebook for the founder's edition. Signed as well. I'll give it to you. All you have to do is sign up for annual. Check out the trial. Bye. See you in the post show.

• 1:35:33Speaker 02

  Sneaking about when we first started dating.

• 1:35:36Caleb Hammer?

  You guys cheated? So you guys are, you know, a little freak.

• 1:35:41Speaker 01

  Sure.

• 1:35:42Speaker 02

  What do you mean by freaky?

• 1:35:43Caleb Hammer?

  We don't ask those questions on the main show.

• 1:35:46Speaker 01

  Just say what you're trying to say. To watch the financial audit post show, click the join button below.