Financial Audit's Biggest Cuck

▶oh... my... F*CK... his new girlfriend is INSANE- we bring her into the post-show and it becomes one of the wildest conversations I've ever had in my life... watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Go to https://meetfabric.com/CALEB and apply today, risk-free Earn up to $5,000 in Cash Back every year on your Stocks & ETFs: https://www.silomarkets.com/caleb ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:12Speaker 01

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 0:16Speaker 02

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus.

• 0:41Caleb Hammer?

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

• 0:44Speaker 04

  I was in a secret relationship for three years.

• 0:47Caleb Hammer?

  You were in the secret relationship?

• 0:49Speaker 04

  We were engaged for three years and we spent three years planning a wedding, but she was busy marrying other people.

• 0:55Caleb Hammer?

  What the [bleep] are you talking about?

• 0:57Speaker 04

  We weren't ever legally married. The total of people that she was married or engaged to was at least like [bleep].

• 1:05Caleb Hammer?

  Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:19Speaker 04

  Hey, my name is Nate. I'm 25, I live in Houston, Texas, and this is Financial Audit.

• 1:25Caleb Hammer?

  Nate, thanks for coming over. What do you do for a living in Houston?

• 1:28Speaker 04

  I am a OVAN at a skilled nursing facility.

• 1:31Caleb Hammer?

  Uh, what's an OVAN? I don't know.

• 1:32Speaker 04

  Licensed vocational nurse, so I'm one step below an RN.

• 1:35Caleb Hammer?

  Okay, what are we making that then?

• 1:37Speaker 04

  I make 33 an hour.

• 1:40Caleb Hammer?

  Not bad. How many hours, though?

• 1:42Speaker 04

  Um, anywhere between 40 to 60 hours a week. Sometimes I'll-

• 1:47Caleb Hammer?

  What's normal?

• 1:48Speaker 04

  Normal, probably 90 to 100 hours bi-weekly.

• 1:54Caleb Hammer?

  Okay, cool. What's in your account on a monthly basis?

• 1:57Speaker 04

  I think around like 5,500. Honestly, I don't-

• 2:01Caleb Hammer?

  On a monthly basis? That's not bad. I mean, Houston, it's not one of the more expensive cities for the major cities in Texas. So, I mean, it works. Okay, why not RN? Why'd you not go all the way?

• 2:13Speaker 04

  So, I'm actually in school right now, uh, to become an RN, but that did have to take a pause. I took a three-month sabbatical because I can't afford it.

• 2:23Caleb Hammer?

  Just three months?

• 2:26Caleb Hammer?

  Oh, you didn't qualify for any student loans?

• 2:28Speaker 04

  I don't, I qualified for student loans, but they're not covering enough. It's just a regular like subsidized loans.

• 2:35Caleb Hammer?

  Okay.

• 2:36Speaker 04

  But I don't qualify for anything else.

• 2:38Caleb Hammer?

  Well, how much did you qualify for?

• 2:40Speaker 04

  I think that they gave me six thousand dollars. I'm honestly not sure. I wasn't paying that much attention.

• 2:47Caleb Hammer?

  Where are you going to school? Well, you weren't paying that much attention, but you decided you couldn't pay for school? Okay.

• 2:52Speaker 04

  So I was paying attention to how much I was gonna have to pay out of pocket.

• 2:54Caleb Hammer?

  How much were you gonna have to pay out of pocket?

• 2:56Speaker 04

  Uh, starting this quarter, it was thirteen hundred dollars, like thirteen fifty a month.

• 3:00Caleb Hammer?

  Quarter? You were gonna pay quarterly?

• 3:02Speaker 04

  They pay, so I have to set up a payment plan if I can't pay it all upfront.

• 3:07Caleb Hammer?

  Yeah.

• 3:07Speaker 04

  So.

• 3:08Caleb Hammer?

  Sure.

• 3:08Speaker 04

  They only let you pay for the three months of the quarter.

• 3:12Caleb Hammer?

  You have to pay that upfront, or can you pay it monthly?

• 3:14Speaker 04

  Monthly.

• 3:15Caleb Hammer?

  Well, what's your monthly fee be?

• 3:16Speaker 04

  Thirteen fifty.

• 3:18Caleb Hammer?

  Where are you going to school?

• 3:19Speaker 04

  It's a private college.

• 3:21Caleb Hammer?

  Why? I mean, that's your choice.

• 3:23Speaker 04

  It's a bridge program. It's for LVN to RN, and I didn't have any prerequisites going in, and so becoming an RN would take me four years.

• 3:33Caleb Hammer?

  How much more school is left?

• 3:34Speaker 04

  I will graduate June, July of next year.

• 3:38Caleb Hammer?

  Yeah, but June, July of next year, based on when do you start again?

• 3:43Speaker 04

  I'm gonna start back at, in June, uh, end of June, early July.

• 3:48Caleb Hammer?

  So you have a full year?

• 3:50Speaker 04

  Yeah.

• 3:50Caleb Hammer?

  Of thirteen fifty dollars?

• 3:51Speaker 04

  No, so for the quarter that I'm gonna go back into is gonna be thirteen fifty, and then there's the potential that the following quarter, my payments will go up. I have like four or five more quarters left.

• 4:06Caleb Hammer?

  Will go up?

• 4:07Speaker 04

  Yeah. I started out paying.

• 4:10Caleb Hammer?

  How are you living right now? How do you feel? What's going on?

• 4:12Speaker 04

  I'm living paycheck to paycheck.

• 4:14Caleb Hammer?

  Fifty-five hundred without the school payments? Is paycheck to paycheck net fifty-five hundred?

• 4:20Speaker 04

  I just stopped the school payments this month. I, so I finished the.

• 4:25Caleb Hammer?

  Okay.

• 4:25Speaker 04

  The last quarter ended the end of March.

• 4:28Caleb Hammer?

  Were you working during school?

• 4:29Speaker 04

  I was working full-time, forty hours at least.

• 4:31Caleb Hammer?

  Wait, why couldn't you pay the fourteen fifty then, on a monthly basis?

• 4:34Speaker 04

  Because now I'm gonna have to be in school more full-time, so the last two quarters, we were doing online classes only.

• 4:42Caleb Hammer?

  How many hours a week would you have been able to work in this new semester format?

• 4:47Speaker 04

  Um, I would be able to work really only weekends, but I would.

• 4:53Speaker 04

  Be able to average thirty six hours every weekend if my job had the availability.

• 4:59Caleb Hammer?

  Okay, so obviously, we're trying to figure out how to pay for it in the future. Why are you here?

• 5:07Speaker 04

  I'm originally from California. I was born and raised in California and

• 5:12Caleb Hammer?

  So you better go to a private school in Houston, I guess.

• 5:14Speaker 04

  Well, September of twenty twenty three, I didn't have an option but to run. I left

• 5:18Caleb Hammer?

  Run?

• 5:19Speaker 04

  To run.

• 5:20Caleb Hammer?

  Run? What are you running from?

• 5:22Speaker 04

  My ex-wife.

• 5:24Caleb Hammer?

  She have a knife? What are we? What do you mean?

• 5:27Speaker 04

  So I was in a secret relationship for three years. So

• 5:33Caleb Hammer?

  You were in the secret relationship?

• 5:35Speaker 04

  Yeah, so, no, it's that I was engaged to somebody for three years. She was also engaged in marrying multiple other people while we were

• 5:45Caleb Hammer?

  I'm sorry, I'm just noticing something very interesting. I just have to call it out. Because your ginger is so light, you you know, on your face, you can only see the little caps of the mustache.

• 5:58Speaker 04

  Yeah.

• 5:59Caleb Hammer?

  Meaning, as you have this, only this is available. It's like a cat whisker. But you can't see this.

• 6:07Speaker 04

  No.

• 6:07Caleb Hammer?

  Is this is this why she was hiding you from the world?

• 6:10Speaker 04

  Um.

• 6:12Speaker 04

  No, I think she just really loved the fact that I had money when we first got together.

• 6:17Caleb Hammer?

  Oh, you did?

• 6:18Speaker 04

  I did. I had thirty thousand dollars in savings as a twenty year old.

• 6:22Caleb Hammer?

  So she, but were you making a lot? Or did she just like that there was a little pile there?

• 6:27Speaker 04

  Uh, she was thirty one.

• 6:30Speaker 04

  So I was twenty and she was thirty one when we got together.

• 6:33Caleb Hammer?

  That's crazy, but she was after thirty thousand hours?

• 6:36Speaker 04

  Well, so I had started nursing school at the same time that we got together. And so she had just really seen how much money I was bringing in with a disability settlement and then seeing the potential for money coming in, being a nurse out in California especially. And so I

• 6:54Caleb Hammer?

  What were you making?

• 6:55Speaker 04

  Um, at that time, I was a CNA and then when I became a nurse, my starting wage was twenty eight and I ended up making thirty eight dollars an hour before I left her.

• 7:06Caleb Hammer?

  I mean, no, it's very good. California's higher. You know, in terms of what it costs to live, but yeah, thirty is great. Um. It's usually not like sugar daddy status, so I'm a little confused.

• 7:19Speaker 04

  Well, so she, I.

• 7:20Caleb Hammer?

  She only liked you for the money?

• 7:22Speaker 04

  I would assume so. I think maybe.

• 7:24Caleb Hammer?

  What do you mean by secret relationship?

• 7:26Speaker 04

  So, everyone on my side of the world, so my family, my friends, everybody knew that we were together.

• 7:32Caleb Hammer?

  Okay.

• 7:33Speaker 04

  Her family, her kids that she had that I was helping raise, didn't know that we were together.

• 7:39Caleb Hammer?

  What? What? Okay. That doesn't make any sense. Uh, what did they think you were doing?

• 7:45Speaker 04

  They just thought that I was her best friend.

• 7:47Caleb Hammer?

  Her, her, okay. I'm, I'm, uh, okay. How old are the kids?

• 7:53Speaker 04

  Uh, one's 18 now and the other.

• 7:56Caleb Hammer?

  No, was he a fucking moron? Wait, how old are you now?

• 8:00Speaker 04

  I'm 25. Well, I was 21 at the time.

• 8:03Caleb Hammer?

  Was he like a dumbass 15 year old or something?

• 8:06Speaker 04

  He's very intelligent. I mean, that's probably the smartest kid I've ever met. I think he knew.

• 8:09Caleb Hammer?

  I don't think so.

• 8:10Speaker 04

  But she proposed to me a month and a half into the relationship. So, I'm.

• 8:17Caleb Hammer?

  What the fuck are we doing?

• 8:18Speaker 04

  At this time, I was 21. I'm, I'm still a kid. I lived at home with my parents. I lived at home with my parents. I wasn't really doing much with my life. I had dropped out of college twice at this point.

• 8:27Caleb Hammer?

  Congratulations. You made the adult decision to do it. You're three years into adulthood. Don't say you were a kid. If you were a fucking kid at 21, you shouldn't be able to drink. You shouldn't be able to drive. You shouldn't be able to have a car.

• 8:38Speaker 04

  Well, at that time, she was my boss, so she was impressionable on me.

• 8:41Caleb Hammer?

  You, you, she was your boss? Okay. Listen, she was impressionable on you, but let's not use the I'm a kid. I'm not gonna let you infantilize yourself. If you need daddy to hold your hand for you to make any life choices, then you're right, you're a kid, but you're 21. Stop with the stupid fucking Gen Z infantilization. You're an adult. You're three years into adulthood.

• 9:00Speaker 04

  So I left.

• 9:01Caleb Hammer?

  Just please don't use the kid thing, cuz I'm, you're not gonna get sympathy with me with the kid thing. The boss thing, that's weird, and we can talk about that, but don't do the I'm a kid at 21. Like, fuck you. You're not. And if you actually were too immature to be able to choose who you're having dinner with, then guess what? You can't have a job. You can't serve in the military. You can't smoke. You can't drink. You can't drive a multi-ton monster down the road, okay? If you can't decide who you're getting. Getting a salad with. So no, I'm a kid. Boss, weird. Not, not for that. Go ahead. Tell me.

• 9:31Speaker 04

  She also would make me take the engagement ring off that she gave to me. So any-

• 9:37Caleb Hammer?

  Tell me about the boss thing, because this is like, it might be like, almost, nah, not predatory, but like, very inappropriate.

• 9:45Speaker 04

  So, we worked in the same office. We worked at a skilled nursing facility out in California and I had gone to an admissions office because I got an injury on the floor as a CNA and I'm no longer allowed to work as a CNA. And so that's where a lot of my thirty thousand dollars ended up coming from. So she was the admissions director in that office.

• 10:06Speaker 04

  It was just me and her.

• 10:09Caleb Hammer?

  How to start?

• 10:11Speaker 04

  Um, she would start to make comments to me.

• 10:15Caleb Hammer?

  Like, ooh, I love your twenty-five percent of a mustache.

• 10:18Speaker 04

  Like, no, like, she would say, I had gotten a new car and she would say, oh, when are you gonna take me on a road trip? And then she was messaging me one night and it, we had been talking about work.

• 10:31Caleb Hammer?

  A penis to penis question?

• 10:34Caleb Hammer?

  Was she, was she attractive?

• 10:36Speaker 04

  I thought so.

• 10:37Caleb Hammer?

  Okay, well, you thought she was attractive. Yeah, you're, I mean, if you thought she was attractive, you thought she was, even if she was in a position, you know, it's a bit, it's a, can I see a picture?

• 10:47Speaker 04

  I don't have any.

• 10:48Caleb Hammer?

  You don't know her name?

• 10:50Speaker 04

  I know her name, but I don't, I, she's not a part of my life anymore.

• 10:53Caleb Hammer?

  Right, okay.

• 10:54Speaker 04

  So I don't, I don't have any access to her. She has no access to me. Uh, that's your business.

• 11:01Caleb Hammer?

  But like, could we look her up? The, Lindsey's asking.

• 11:03Speaker 04

  Oh, uh, sure.

• 11:05Caleb Hammer?

  If, if you want to. She, she's, she's the tea queen?

• 11:09Speaker 04

  No, it's one.

• 11:11Caleb Hammer?

  She just wants to see it and I wanna see too. Listen, it's, it's not gonna be on screen. It's not gonna be on screen. Um, okay, I do have to ask one question though. I'd just concern for you because again, uh, in, in the age of-

• 11:24Speaker 04

  Is this Instagram?

• 11:25Caleb Hammer?

  Yeah.

• 11:25Speaker 04

  She's on Facebook.

• 11:26Caleb Hammer?

  On the age of buzzwords and everything?

• 11:28Speaker 04

  Yeah.

• 11:29Caleb Hammer?

  Um, you know, I just wanna kinda see what things were. She was in a position of power.

• 11:35Speaker 04

  Correct.

• 11:37Caleb Hammer?

  Positions of power exist in every instance of life.

• 11:40Speaker 04

  Right.

• 11:41Caleb Hammer?

  Uh, the existence of one is not a bad thing. The abuse of one is a bad thing. Did she ever leverage something over to your head saying, you will not get a job? You will not get paid blah, blah, blah. Or, or equally as bad, I will give you this from my position of power. If you do this thing with me.

• 11:59Speaker 04

  Um.

• 11:59Caleb Hammer?

  Did she do, if she did either of those, those are abuses of power and that's bad.

• 12:04Speaker 04

  No.

• 12:04Caleb Hammer?

  Okay. So you wouldn't say there was an abuse of power dynamics?

• 12:07Speaker 04

  No.

• 12:08Caleb Hammer?

  Okay. That's as if, if we're having this conversation, it's an important conversation to set the stage with. Especially since I'm very curious to hear how this full running to Houston and going to a private institute and getting the truly. I mean, listen, we have a lot, we have a ton of debt here.

• 12:25Speaker 04

  Yeah.

• 12:26Caleb Hammer?

  Ton of debt here. Kill me. Okay. Yeah. No, this is, this is the, this, all right, this is going to be an interesting.

• 12:32Speaker 04

  I actually can't even find her.

• 12:34Caleb Hammer?

  Okay. Well, it doesn't really matter that much. How's this, you know, you know, that was just like, well.

• 12:41Caleb Hammer?

  As a dude, you know, if I saw an attractive person, I'd be like, you know, maybe I'd flirt too.

• 12:48Speaker 04

  Yeah, boy. And I felt good about myself. It was like a confidence boost. I have this woman who is 11 years older than me, who's attracted to me. You think that I'm doing good for myself. You think that I'm capable to be a husband and to.

• 13:02Caleb Hammer?

  That's an immediate jump. Okay. Wow.

• 13:04Speaker 04

  Well, cause a month and a half, she did propose.

• 13:07Caleb Hammer?

  Okay. You made it sound like she flirted with you once and like, I'm a husband now.

• 13:10Speaker 04

  No.

• 13:11Caleb Hammer?

  Uh, yeah, that's crazy. Did that not draw red flags like in mad?

• 13:16Speaker 04

  Oh, it did, but, uh,

• 13:20Speaker 04

  I see red flags as green flags. So.

• 13:24Caleb Hammer?

  Okay. You're gonna have to explain that because that's the most thing I've heard.

• 13:27Speaker 04

  I've been with people who are not good for me. So people who are unhealthy for me to be with and interact with, it's just, it's what I go for. Because of the crap that I dealt with growing up, I just

• 13:41Speaker 04

  decided that that was the way to go. And I thought that, you know what? Maybe being with somebody who seemingly had their together.

• 13:48Caleb Hammer?

  How old is she now?

• 13:49Speaker 04

  Um, thirty, turning thirty six this year.

• 13:55Speaker 04

  No, turning thirty-seven this year.

• 13:56Caleb Hammer?

  Okay, so she had to get it eighteen, nineteen. And you were honestly kinda closer in age to the kid than her, weren't you?

• 14:01Speaker 04

  Uh, to her oldest, yeah.

• 14:03Caleb Hammer?

  I mean, it's weird. Don't get me wrong. The proposal thing is crazy. And you think it's all because she saw thirty thousand dollars in her checking account? Cause that is not a make or break life thing.

• 14:13Speaker 04

  I think she saw long-term money and somebody that cared about her.

• 14:17Caleb Hammer?

  Yeah, but from...

• 14:17Speaker 04

  Because for me...

• 14:18Caleb Hammer?

  Like, you'll have a good, middle-class, potentially upper-middle-class, but it's not even like a true gold-digging...

• 14:24Speaker 04

  Well, I'm also somebody who cares and she had seen that I would go above and beyond for people. Because she had asked me...

• 14:29Caleb Hammer?

  So you accepted the proposal?

• 14:31Speaker 04

  Yeah.

• 14:32Caleb Hammer?

  Why?

• 14:34Speaker 04

  I thought that I was in love.

• 14:36Caleb Hammer?

  Okay.

• 14:37Speaker 04

  So...

• 14:38Caleb Hammer?

  Yeah, first month, everything's heated, everything's exciting.

• 14:40Speaker 04

  Right. And so, I ran with it. And she ran with my money. She knew, she knew how much money I had, the whole time.

• 14:47Caleb Hammer?

  What did she do?

• 14:48Speaker 04

  She would consistently check in, throughout the years of us being together, consistently checking in, to see how much money I still had left over in my savings account. And she would say, "Oh, I thought you had more." Or, "Oh, I thought it was all gone by now." She, her intent was to drain me of my money.

• 15:05Caleb Hammer?

  Yeah, but then, but then there were legal issues because you were involved in a marriage situation. It's not that she could just leave.

• 15:10Speaker 04

  Well, we weren't ever legally married. However, she was legally...

• 15:14Caleb Hammer?

  Did you know that?

• 15:16Speaker 04

  I knew that, yeah. We were engaged for three years and we spent three years planning a wedding, but she was busy marrying other people.

• 15:24Caleb Hammer?

  What the [bleep] are you talking about? Oh, this is Full Hammer Springer today, Caleb Springer, whatever we've called it, Caleb Ovich. What the [bleep] are you talking about?

• 15:33Speaker 04

  And that is why I ran. So, I...

• 15:37Caleb Hammer?

  Tell me, tell me, give me context.

• 15:38Speaker 04

  So, April-ish...

• 15:41Speaker 00

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just five dollars. Only at McDonald's for a limited time.

• 15:53Speaker 01

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 15:56Speaker 04

  ...of twenty-three, weird [bleep] was going on. And she had gotten a new job, but she was working really odd hours for the position that she had. Working overnight to be an admissions director for a skilled nursing facility. You don't get admissions at night. I was just, I was naive and I cared at that point, I knew what was going on, but I cared more about the kids. And so during this time, she's rescuing um her ex brother-in-law, who is a drug addict who's homeless.

• 16:26Caleb Hammer?

  Sure.

• 16:27Speaker 04

  Who's, she's getting me involved in the care of him.

• 16:30Caleb Hammer?

  She didn't marry him?

• 16:31Speaker 04

  She did.

• 16:32Caleb Hammer?

  She married her brother-in-law?

• 16:34Speaker 04

  Ex brother-in-law. She married him. She actually got pregnant with him and that's why-

• 16:41Caleb Hammer?

  What the fuck are we doing?

• 16:42Speaker 04

  I found that out when I left. The day that I left her, I found out that she was pregnant. Which is funny because we had done IVF about a year and a half prior-

• 16:51Caleb Hammer?

  What the-

• 16:52Speaker 04

  That I paid for out of pocket.

• 16:54Caleb Hammer?

  That's so expensive. How much did you spend on that?

• 16:57Speaker 04

  Um, a couple of grand.

• 16:58Caleb Hammer?

  Okay, it's not as bad as I thought, but that's fucking crazy still.

• 17:02Speaker 04

  I don't know if it ever actually happened because it was during COVID time and so I wasn't allowed to go to the appointment.

• 17:07Caleb Hammer?

  Could babies not get pregnant? Oh, okay.

• 17:10Speaker 04

  So she, yeah.

• 17:12Caleb Hammer?

  Sure. What the?

• 17:14Speaker 04

  So-

• 17:15Caleb Hammer?

  And you guys lived together this entire time?

• 17:17Speaker 04

  No. So I was living out of a bag in like a spare room, storage room-ish situation in a house that she had with her best friend and her kids. Um, turns out her best friend also happened to be her domestic partner.

• 17:35Caleb Hammer?

  Wait, how many people was she fucking?

• 17:37Speaker 04

  At least like five. At least five from what I can count and that's all that I know. I don't know if there was more people intertwined in this web.

• 17:47Caleb Hammer?

  T, this is very, well, I don't give a whatever. Were you guys?

• 17:53Speaker 04

  Me and my ex?

• 17:54Caleb Hammer?

  Yeah.

• 17:55Speaker 04

  Yeah.

• 17:55Caleb Hammer?

  Okay.

• 17:56Speaker 04

  Up until like April and then she started to act weird and then-

• 18:00Caleb Hammer?

  So what do you mean by run? You ran because we're talking, we're setting the, we're setting the stage, right? You're in this debt because of this. So what was this run instead of like just move to like a half a city away? What was this run to like across the country?

• 18:16Speaker 04

  She would consistently make comments, casual comments, just throughout conversations randomly. You know, if I wanted to, I could harm you and then I would be with your mom.

• 18:28Caleb Hammer?

  You didn't call the fucking cops.

• 18:31Speaker 04

  I, nobody, so this is the problem with men experiencing abuse.

• 18:35Caleb Hammer?

  Yeah.

• 18:35Speaker 04

  Nobody believes us.

• 18:37Caleb Hammer?

  Sure, but in the moment, though, at least in the moment.

• 18:41Speaker 04

  I.

• 18:42Caleb Hammer?

  Like past, that's hard.

• 18:43Speaker 04

  Yeah.

• 18:44Caleb Hammer?

  But in the moment.

• 18:45Speaker 04

  I was more feel, more fearful of her. Because.

• 18:50Caleb Hammer?

  Did she actually hurt you?

• 18:51Speaker 04

  Uh, she had hit me a couple of times.

• 18:54Caleb Hammer?

  Oh, my gosh.

• 18:55Speaker 04

  And she had tried to hurt the kids and I had stepped in between and I had.

• 19:00Caleb Hammer?

  She doesn't still have the kids, does she?

• 19:01Speaker 04

  Um, I have no clue. She had, she added a new one, though. She added a new one with this ex brother-in-law that I put.

• 19:11Caleb Hammer?

  Wait, you have a new lady friend, there's someone in that room?

• 19:13Speaker 04

  Yes.

• 19:14Caleb Hammer?

  Well, how long ago was this?

• 19:15Speaker 04

  So that, I, I left California's, uh, Labor Day of 2023.

• 19:22Caleb Hammer?

  Okay, why Houston, though? Like, you could have gone to like.

• 19:24Speaker 04

  So my sister lives out here and I, I planned my move in a week. I mean, I, there wasn't much planning that went into it. I just ran as fast as I could as soon as I could get out.

• 19:34Caleb Hammer?

  When did you decide, okay, it is time?

• 19:37Speaker 04

  Uh, I decided a Thursday night when I found her wedding pictures.

• 19:41Caleb Hammer?

  Oh, my.

• 19:42Speaker 04

  And confronted her about it. And she said, are you really gonna do this right now? That's photoshopped. And I said, oh, okay.

• 19:55Speaker 04

  You're right, I'm not gonna cause a scene right now. Her and the family went to Disneyland. I stayed. And then I started packing my up and I moved.

• 20:07Speaker 04

  I didn't tell anyone.

• 20:13Caleb Hammer?

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• 20:55Caleb Hammer?

  If you're ready to work toward a more manageable student loan payment, visit yrefy.com. Discover how their tailored approach can reduce your stress, lower your interest, and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to Y R E F Y dot com slash hammer, that's Yrefi dot com slash hammer. Or call triple eight Y refi dash 78, that is triple eight Y refi dash 78. And see how they can help you move forward with confidence. Okay, what were your finances when you moved?

• 21:25Speaker 04

  Um, I was in debt close to a hundred thousand dollars.

• 21:29Caleb Hammer?

  From her?

• 21:30Speaker 04

  From her.

• 21:30Caleb Hammer?

  From her, she took you down to a hundred fucking thousand dollars.

• 21:34Speaker 04

  From her?

• 21:34Caleb Hammer?

  Oh, good, what was it? Over how long?

• 21:39Speaker 04

  Over the course of the three years.

• 21:41Caleb Hammer?

  What was it, dude?

• 21:42Speaker 04

  Um, I was paying her rent towards the end there that she wasn't actually paying.

• 21:47Caleb Hammer?

  Oh!

• 21:48Speaker 04

  I was taking care of the kids, I was taking care of the house that I didn't actually live in, I was taking...

• 21:56Speaker 04

  I bought her a truck.

• 21:58Caleb Hammer?

  What the, why? Oh, okay. But you were, you were in love like the first month, the last two years?

• 22:05Speaker 04

  I still deeply loved her and I thought, you know what? You're fucked up in your own right, let me do what I can to at least help you because you've...

• 22:16Speaker 04

  You've gone through a lot, you know?

• 22:18Caleb Hammer?

  What, what the fuck did she go through?

• 22:22Speaker 04

  She lost her mom at 11 and she had a rough...

• 22:25Caleb Hammer?

  That doesn't mean you...

• 22:25Speaker 04

  And so, well, I also took care of her grandma who was on hospice and...

• 22:29Caleb Hammer?

  You were, not her.

• 22:31Speaker 04

  But it was her grandma who was essentially like her mom at that point.

• 22:34Caleb Hammer?

  Yeah, that's really hard, that doesn't mean you hurt people.

• 22:36Speaker 04

  She passed about a year and a half, two years into our relationship.

• 22:39Caleb Hammer?

  Okay, fucking hundred fucking thousand.

• 22:42Speaker 04

  A part of that hundred thousand was me paying for like hotels and stuff like that for her newfound husband, um...

• 22:49Caleb Hammer?

  What, did you know you were?

• 22:52Caleb Hammer?

  Oh, you thought it was just her brother-in-law?

• 22:54Speaker 04

  Right, I thought I was helping a guy who was an addict who needed to go to rehab.

• 22:58Caleb Hammer?

  How, okay, how many people did she get married to while you guys were together?

• 23:02Speaker 04

  Um, while we were together, I think it's just the one, but the total of people that she was married or engaged to was at least like five.

• 23:10Caleb Hammer?

  Why doesn't she just fucking move on? Why does she have to marry?

• 23:16Speaker 04

  I don't know, maybe she gets better benefits. I didn't come with benefits, I was, I'm still on my parents' insurance.

• 23:22Caleb Hammer?

  You did, you went a hundred thousand dollars into debt for her and lost thirty thousand, that was your benefit.

• 23:27Speaker 04

  Yeah.

• 23:30Speaker 04

  At, at the time, it felt like I was doing all the things right.

• 23:35Speaker 04

  It felt like I was

• 23:39Speaker 04

  worthy, you know? Uh, she made it seem like I, uh, was undeserving of her, so I would have to do all of these things. That way she could say, okay, you're right, you do deserve me in your life, you do deserve these kids.

• 23:56Caleb Hammer?

  Let you wear the wedding ring.

• 23:59Speaker 04

  Not in front of her side of the family, the kids, the now-

• 24:03Caleb Hammer?

  Hundred thirty thousand dollars to a woman that wouldn't let you wear a wedding ring.

• 24:06Speaker 04

  Yeah.

• 24:07Caleb Hammer?

  Okay, well, let's jump into this money, dude.

• 24:12Caleb Hammer?

  What do you think your score is, zero to ten financially? Zero to ten, zero being the worst, ten being the best. Obviously, your pussy score is negative five.

• 24:21Speaker 04

  I'll say like a two.

• 24:24Caleb Hammer?

  Okay.

• 24:26Caleb Hammer?

  Okay, the Audrey Hammer financial score. Take the assessment at CalebHammer.com. See where you stand, link is also in the description below. If you want to come on the show, you can also go to CalebHammer.com/apply, we'd be happy to have you. Alright. Alright.

• 24:47Caleb Hammer?

  First off, a chunky fucking balance dude, a chunky fucking balance. What is on your, I mean, listen. How have you been living well at school specifically because in order to get these balances up high? I mean, are you spending on bullshit? Like what is happening? Like you, this has gone insane. It's an Amazon cart.

• 25:09Speaker 04

  That's been maxed out for a while.

• 25:12Caleb Hammer?

  If you're making minimum payments alone without making any purchases, it would go down. Wild.

• 25:17Speaker 04

  Yeah.

• 25:18Caleb Hammer?

  But it would go, there's purchases on here.

• 25:22Speaker 04

  Because sometimes I don't have money in my bank account and I need to buy food or something.

• 25:34Caleb Hammer?

  Some fucking groceries that would last you, you tit, you fucking ginger tit. It's renting a movie, it's Amazon Prime, something and then something on Amazon, it's on, pull up your Amazon, let me see, let me see. It's not.

• 25:48Speaker 04

  I think it, okay.

• 25:49Caleb Hammer?

  We know it's not an accident either.

• 25:50Speaker 04

  I, I ended up getting a cat and so.

• 25:54Caleb Hammer?

  Oh, we can't afford to take care of ourselves. We better get another living thing that we have to take care of. Wise choices.

• 25:59Speaker 04

  I felt bad because she was home alone all the time and so I.

• 26:05Caleb Hammer?

  When you had her or before you got her?

• 26:08Speaker 04

  No, I got her in like November or December and so.

• 26:12Caleb Hammer?

  And then you felt bad she was home alone all the time from you or from her previous owner?

• 26:17Speaker 04

  No, from me. I, I felt bad that I was having to leave her all the time.

• 26:20Caleb Hammer?

  Good, okay, go ahead.

• 26:21Speaker 04

  So I ended up buying a, uh, like cat tree and stuff like that.

• 26:27Caleb Hammer?

  Hundred and fifty-four dollars and seventy-three cents is your minimum payment. Four thousand eight hundred sixty-eight dollars and forty-six cents is your balance. Purchasing thirty-one ninety-six, thirty-six, ninety-seven nineteen in interest.

• 26:45Speaker 04

  It's not loading.

• 26:46Caleb Hammer?

  All right, let's see. Orders.

• 26:51Caleb Hammer?

  Five pack of six foot USB cables, C to C. Fairyland coloring book. Adorable fur horse friends coloring book, yeah?

• 27:01Speaker 04

  That's for my niece.

• 27:03Caleb Hammer?

  Congratulations. Is that what keeps your cat occupied? Glisten garbage disposer cleaner. We're cleaning out garbage disposal when you can't afford to live. Allergy relief, I can vlog with that. Topkit 57 inch multi-level cat bullshit, fuck you. And same, a stupid expensive printer, go to the library!

• 27:24Speaker 04

  I was needing to print stuff for school, which I've now had to hold up.

• 27:28Caleb Hammer?

  Library!

• 27:31Caleb Hammer?

  Bowl. A washing bowl, towel holder.

• 27:38Speaker 04

  I was buying-

• 27:38Caleb Hammer?

  Mountain men's snow jacket in Houston, Texas.

• 27:42Speaker 04

  We had a huge snowstorm.

• 27:44Caleb Hammer?

  Two necklace sensory. Yeah, you had the snowstorm. By the time your package got there, it was probably done.

• 27:50Speaker 04

  No, it helped me get through work and working in the snowstorm.

• 27:55Caleb Hammer?

  What's, what do you, what do you do?

• 27:56Speaker 04

  Like, you're in the hospital. No, I'm in a skilled nursing facility, but-

• 28:01Caleb Hammer?

  Yeah.

• 28:02Speaker 04

  Yeah, I don't know.

• 28:04Caleb Hammer?

  We can't afford to live, guys. Chewable sensory necklaces. Okay, not even a thing for that. In the cart is reset, how to change what's not working? Book. Um, two picture frames. And a Dr. Arthritic back brace support belt.

• 28:25Speaker 04

  I got injured at work like a month and a half ago. And I have two new herniated discs. And so I was looking into buying a back brace, but-

• 28:36Caleb Hammer?

  At work? Did you let another cougar break your back?

• 28:39Speaker 04

  Yeah, pretty much. Um, no, I... My, my job doesn't have workers comp. And so I've been having to pay for everything out of pocket. And so that's also kind of-

• 28:53Caleb Hammer?

  How long does this take to pay off?

• 29:01Caleb Hammer?

  Big guy, how long does this take to pay off? Lovely lad.

• 29:05Speaker 04

  I don't know.

• 29:06Caleb Hammer?

  Oh, come on. How long does it take to pay off?

• 29:09Speaker 04

  Probably 15 years.

• 29:10Caleb Hammer?

  17 years. Do you even know what you spent on? Because you just told me about the cat thing, but you had all that extra stuff.

• 29:17Speaker 04

  Yeah.

• 29:18Caleb Hammer?

  Alright.

• 29:19Speaker 04

  I-

• 29:19Caleb Hammer?

  You do not get to leave this building until you download our budgeting app. You download the budgeting app, link in the description for everyone else, but you download the budgeting app, and it will at least tell you what you're spending in each category, updated multiple times a day, and you'll see where your money is going, you can set limits on different things, so you just gotta be so smart. It's automated, it's so, I don't understand that, it's so fucking basic.

• 29:39Speaker 04

  Problem is, is that I'm, I have impulsive behaviors.

• 29:43Caleb Hammer?

  Why doesn't everyone just use that stuff? I know, but you can at least see the results and adjust.

• 29:46Speaker 04

  Right, but, so for me, like, it's something that I'm newly adjusting.

• 29:51Caleb Hammer?

  What are you talking, huh? Is that why you have the how to fix it book?

• 29:55Speaker 04

  Trying to.

• 29:56Caleb Hammer?

  Okay, income was 3,599. I know how much you spent, but I want to see what you think you spent category wise. Can I have the whiteboard? I want to see you do this. I know you like free things, and I'm giving some things away for free right now, and let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30 day simpler budget trial.

• 30:36Caleb Hammer?

  And act now, because we're winding down our intro pricing at midnight on April 23rd, so this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone, and now is the best time to get started. Grab your free limited edition Tumblr, sit back, and finally take control of your financial future, or don't, and you can end up right here.

• 31:03Caleb Hammer?

  I want to see where you think you spend things. Oh, they got me something special. Whoa. Oh, I already have your categories, big boy. I need you to fill them in and tell me what each of them are in that color. What do you think you spent $1,632 on? What do you think you spent $93 on? What do you think you spent $496 on? $138 on? $407 on? $318 on? $339 on? $160 on? $125 on? What do you think?

• 31:43Speaker 02

  Yeah, you're gonna tell me. Best guess.

• 31:45Caleb Hammer?

  You live your life, you don't budget, you don't know anything, but go ahead. Please tell me.

• 31:49Speaker 04

  Best guesses?

• 31:50Caleb Hammer?

  Best guesses, you're gonna fill them in and write.

• 31:55Caleb Hammer?

  Hmm, of course he goes for orange first. Double orange. And red, come on.

• 32:00Speaker 04

  This is probably, this is probably rent.

• 32:03Caleb Hammer?

  Okay, rent, he has the big thick, the big thick boy.

• 32:06Speaker 04

  Um.

• 32:11Caleb Hammer?

  Yeah.

• 32:12Speaker 04

  This might be groceries.

• 32:14Caleb Hammer?

  Groceries, he says it's groceries.

• 32:21Speaker 04

  I don't know, this is probably eating out.

• 32:30Speaker 04

  I don't know.

• 32:31Caleb Hammer?

  Oh, you spend a lot, though. Where does it all go?

• 32:34Speaker 04

  This one might be gas.

• 32:35Caleb Hammer?

  Where does it all go?

• 32:35Speaker 04

  I, I don't, I don't know what.

• 32:37Caleb Hammer?

  I've heard that already. Keep going.

• 32:39Speaker 04

  I don't know anything else.

• 32:41Caleb Hammer?

  You don't know where money could go in your life?

• 32:44Speaker 04

  No.

• 32:44Caleb Hammer?

  In my tits.

• 32:46Speaker 04

  That, so.

• 32:47Caleb Hammer?

  Okay, he thinks.

• 32:48Speaker 04

  The problem with me is that I, I've been trying, this is something that I've struggled with my whole life.

• 32:54Caleb Hammer?

  He thinks $1,632 was spent on rent. Correct, that was housing. That's the only one you got correct. What you said groceries for $407? Yeah, that was going out to eat. And what you thought of going out to eat was $496? That was just transportation. And then gas, $339? That was actually medical healthcare.

• 33:16Caleb Hammer?

  The rest, I know shopping, it's Amazon, Walmart. Now I know your Amazon is mostly necessary food. That's $138. That was groceries. Well, your spending on both was $710, basically. Mislane's both things that don't matter. Video games, whatever, that Prime Video stuff, $116. And the money that went to debt net in the end was only $125. Well, you spent 400, almost 10, $407 going out to eat.

• 33:43Speaker 04

  I thought I had put a lot more net into debt.

• 33:48Caleb Hammer?

  Cause you spend on it.

• 33:49Speaker 04

  Yeah.

• 33:50Caleb Hammer?

  Net. A quarter of what you spent on going out to eat with the actual debt. What are we doing, dude? What are we doing? You're away from her. That was a bummer.

• 34:05Speaker 04

  Right.

• 34:06Caleb Hammer?

  That sucked. But that was also two years ago when you're done. Three years ago when you were done with that. That is no longer why we are here. Here is your behavior and what you have spent on these items and what you're choosing to put towards debt. Your lack of budgeting, your endless impulse, not being able to spend it on a credit card. That is but oh, no, it's you're over the credit limit on the Amazon card. You're over the credit limit on the Amazon card. And it's just, it's at that point, it's just choices. Cause I saw what you spent on. Nothing there was necessary. Nothing there was necessary. The allergy thing is probably the closest to it, but nothing there was necessary. Stim toy. Listen.

• 34:52Caleb Hammer?

  Buddy. I appreciate that you opened with the story to set the stage. I appreciate it, but that's not why you're here anymore. Look, it is your spending. You're over the credit card limit because of your fucking spending.

• 35:04Speaker 04

  Well, so I think what didn't help too is that I, so when I moved here in 2023, I moved in with my sister and I lived with her up until like January 7th of 24. And so I ended up moving out because I felt like I was a I just felt like I was in the way. I was sleeping on an air mattress in a hallway essentially. And so I decided, you know what, let me just, let me just move out and get my own place. And so then I had to buy things to fill the new space. It was my first time actually having a place of my own and I also.

• 35:40Caleb Hammer?

  So let's destroy our life. I'm confused. What? When I got my first place of my own and I didn't destroy my life, we all have our very first place of our own at some point.

• 35:50Speaker 04

  Well, I also picked a place that I didn't realize that the rent was actually higher than what it normally.

• 35:55Caleb Hammer?

  You're talking about.

• 35:57Speaker 02

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• 36:22Speaker 04

  Area, I was paying like 1800 dollars a month.

• 36:27Caleb Hammer?

  Buddy, oh my gosh, you're not talking to the innkeeper.

• 36:33Caleb Hammer?

  Like, that's not where we are in life.

• 36:37Caleb Hammer?

  You have access to the internet beyond the amount of tools that anyone has ever had to see what rent is. In fact, I bet I could just fucking GPT real quick, Google real quick, the median rent in that area.

• 36:52Speaker 04

  When I had gone searching for apartments, I looked at like probably 15 apartments. And every time I would look at these apartments, there was a couple of them where there was like a homeless guy sleeping in the elevator or like cars consistently getting broken into. And so the one that I chose was supposed to be safe. There wasn't any issues.

• 37:08Caleb Hammer?

  That's not what you told me. You told me you got into a place and you thought you didn't know that that was higher than most rent.

• 37:14Speaker 04

  I didn't, right, but it also seemed, so it also seemed safer to me. So there, when I moved in.

• 37:21Caleb Hammer?

  For safety.

• 37:22Speaker 04

  Right. So the appearance, appearance of it was safe. But then, once I moved in, all hell started breaking loose. Cars were getting broken into, tires were getting stolen off of vehicles.

• 37:31Caleb Hammer?

  Oh.

• 37:32Speaker 04

  The gate, the security gates never worked. I would lose power and at the same time I would lose water. And so then I was, I ended up having to stay at my work for a couple of days at one point because of it.

• 37:46Caleb Hammer?

  That's crazy.

• 37:47Speaker 04

  So to cut back on rent at least, I ended up moving to the other side of Houston and I'm now in a spot where I pay just under like thirteen hundred dollars a month in comparison and I I'm saving on gas money with my commute.

• 38:02Caleb Hammer?

  Well, is anyone helping you out? Is there anyone in your corner?

• 38:05Speaker 04

  Uh, my mom, my mom tries to help me out a little bit. I for the most part, I.

• 38:09Caleb Hammer?

  Wait, no, no, no, no, no. I was hoping I would hear if at all helped and I would have been okay with helped. You just used the word helps. What? What is happening?

• 38:21Speaker 04

  So the only thing that she's paid for recently is um, she, she was out here last week and she told me that I needed to go get a haircut because I haven't really been taking care of myself like that.

• 38:34Caleb Hammer?

  What do you mean? Why? You have a girlfriend. Why doesn't she just chop your hair?

• 38:38Speaker 04

  For me, I have problems with using other people's money. I, I don't like taking from people and I think that's where I get myself in a lot of financial trouble because I would rather.

• 38:50Caleb Hammer?

  How often does she help? Be honest.

• 38:52Speaker 04

  My mom?

• 38:53Caleb Hammer?

  Yeah.

• 38:54Speaker 04

  Um, okay. Well, no, she does help me a lot right now. Uh, she pays for my car insurance and she pays for my health insurance, which I'm gonna fall off in June.

• 39:04Caleb Hammer?

  So why can't you take care of yourself? But you can go and get a cat and you can buy all this bull for the cat and get all these STEM toys and all this bull and be over a credit card limit. I'd say that's not taking care of you.

• 39:17Speaker 04

  I think for me though, I am because I have, living alone is hard on its own and I ended up out here in a way that was not by choice. And so.

• 39:27Caleb Hammer?

  Well, you did choose to go to where your sister was, but I get what you're saying.

• 39:30Speaker 04

  Right, but I, I needed a make it or break it. That was it. And so I ran and this was the easiest, safest place for me to end up. And so I busted my ass out here.

• 39:39Caleb Hammer?

  Toys on Amazon over the credit card limit?

• 39:41Speaker 04

  I busted my ass to get out here and then.

• 39:43Caleb Hammer?

  I get that. I, you're, I'm on your page about that. You left. I'm talking about buying fucking STEM toys on a maxed out fucking credit card, dude.

• 39:51Speaker 04

  So I haven't let my finances be anybody else's business though. That's my thing. And so I, I got this cat so that I could have, I needed, I just needed something at home with me. I needed a reason to be home.

• 40:03Caleb Hammer?

  STEM toy. Mouthy STEM toy necklace. A human one.

• 40:11Speaker 04

  Yeah.

• 40:13Caleb Hammer?

  That has nothing to do with the cat.

• 40:17Caleb Hammer?

  You ever get one of those, "I should really get life insurance" thoughts and then immediately distract yourself with smacks or busy work? Yeah, same. But here's the grown-up move that I finally made. I applied for a term life insurance policy through Fabric by Gerber Life. And it turns out, adulting isn't that scary. Fabric helps parents like you help protect your families with term life insurance policies online, simple, and surprisingly fast. You could be offered coverage in less than 10 minutes and you may not even need a health exam. Even if your job gives you coverage, that policy might not follow you if you leave that job. But with Fabric, that's your own policy and it goes where you go. They offer policies issued by Western Southern Life Assurance Company, which has been around for almost 140 years.

• 41:01Caleb Hammer?

  Doesn't get much more solid than that. And they have affordable options that fit your family and your budget, like a million bucks in coverage for under a dollar a day. Plus, 1900 plus five-star reviews on TrustPilot and an A+ with the Better Business Bureau. They're legit. And they've got tools beyond insurance. Think free wills, tools to invest in your kid's future, and future planning stuff that can help you feel way more responsible and adult-like. So join the thousands of parents that trust Fabric to help protect their families. Go to meetfabric.com/caleb. That is meetfabric.com/caleb. M-E-E-T fabric.com/caleb. Thanks, Fabric. Let's get back into the episode. Ever wish your brokerage paid you for a change? Yeah. So Silo actually does that.

• 41:46Caleb Hammer?

  With Silo, you can earn up to $5,000 cash back every year just for holding your stocks and ETFs with them. That's right. You invest like normal and Silo gives you 0.5% back on your entire account balance, including what you've already invested. Meanwhile, most free brokerages are raking money off all your trades through payments for order flows or pocketing interest on your idle cash. What are you talking about? But Silo flips that model, rewarding you instead. Now, yes, there's a monthly fee for the cash back program that starts at $10, but I'm a Silo Cash Back member myself, and if you sign up with my You get three months for free to test it out. Take the trial with no strings attached.

• 42:30Caleb Hammer?

  And if you're just curious, you can still invest in stocks and ETFs with no monthly fee, even without the cash back. Also, all assets on Silo are stored with interactive brokers and protected by $500,000 in SIPC insurance, up to $2.5 million in FDIC insurance. So if you want to get paid to invest like I do, go to silomarkets.com/caleb to lock in your free trial and earn up to $5,000 in cash back every year. That is silomarkets.com/caleb. Let's get back to the episode. We're buying STEM toys for our tongues. When we are over the credit card limit and cannot pay it off and cannot pay for school, cannot pay for rent, cannot do all these things, do not have enough money in our checking account.

• 43:15Caleb Hammer?

  So to go get Zyrtec, we buy it on Amazon instead of at a store on a credit card. But we're getting STEM toys. And no, you are taking on the responsibility of another living thing. It shouldn't just be about you that is selfish as fuck.

• 43:29Speaker 04

  And I know that I'm doing what I can to take care of her.

• 43:32Caleb Hammer?

  Yes, but you can't take care of yourself.

• 43:37Caleb Hammer?

  You just admitted that mommy helped you because you can't.

• 43:40Speaker 04

  Yeah.

• 43:40Caleb Hammer?

  You don't go get, you can't afford a haircut. How are you going to afford the cat vet visit?

• 43:46Speaker 04

  I figure it out. I, I, all those purchases-

• 43:49Caleb Hammer?

  Your figuring out has led to almost six figures in debt.

• 43:51Speaker 04

  Yeah, well, I, I, I mean, I don't really regret any of those purchases.

• 43:56Caleb Hammer?

  Then what the fuck are we doing? Because you're not, you're never going to pay off this credit card if we're getting a fucking tongue STEM toy on a monthly basis.

• 44:03Speaker 04

  It was one, it was one purchase.

• 44:06Caleb Hammer?

  That was one purchase out of like 15 purchases we went through.

• 44:09Speaker 04

  Right.

• 44:10Caleb Hammer?

  You're gonna do more of those going forward.

• 44:12Speaker 04

  Do matter.

• 44:14Caleb Hammer?

  We're not critical, though.

• 44:18Caleb Hammer?

  Did you need the cat tree then? At that exact moment, 100% or else the cat would have died.

• 44:24Speaker 04

  Well, I had ended up putting that on to an affirm that I-

• 44:28Caleb Hammer?

  What?

• 44:28Speaker 04

  Have ended up-

• 44:29Caleb Hammer?

  I saw a purchase on the Amazon. Oh, that was, but you purchased it the, oh, for fuck's sake, okay. Yeah. Great.

• 44:39Caleb Hammer?

  Did we need it or the cat would have died?

• 44:43Speaker 04

  I feel like it was better for her to have some more stimulation.

• 44:47Caleb Hammer?

  I feel.

• 44:50Speaker 04

  She, she's home alone for God knows how many hours because I'm working because I'm trying to figure out this school situation, trying to pay for school and everything like that. So I wanted her to at least have something.

• 45:07Speaker 04

  I don't know, to stimulate her or something.

• 45:09Caleb Hammer?

  I get that, but you can't even afford to take care of your own bills. That's, that's the issue.

• 45:14Speaker 04

  But it's, it's, it's who I am, honestly, at the root.

• 45:17Caleb Hammer?

  What, making bad life choices?

• 45:20Speaker 04

  Being somebody that gives a [BLEEP], being somebody who cares.

• 45:23Caleb Hammer?

  Except for your future. What are we gonna do? If we don't give a [BLEEP] about our future, what are we going to do?

• 45:30Speaker 04

  I, I do care about my future. That's why I'm trying to figure this out now and I'm, I'm trying to find a way. Well, I paused on school so that I don't go homeless over trying to make these, these amendments.

• 45:42Caleb Hammer?

  I can appreciate that, absolutely.

• 45:43Speaker 04

  And so I'm gonna find a way to get back into school.

• 45:46Caleb Hammer?

  That's different. You're putting your credit cards above max. I'm not talking about school. I didn't criticize that part.

• 45:53Caleb Hammer?

  You're saying all these purchases are justified and you don't feel bad about them and essentially insinuating that you would do them again. No!

• 46:00Speaker 04

  Well, I've, I've tried to, I've, over the last like year probably, I've tried to take out like other like private loans to help me like pay down some of the cards. That way I could at least maybe consolidate or have a cushion at least to help get me through.

• 46:14Caleb Hammer?

  Cushion? No, because then you just got more debt and you basically have already admitted that that's exactly what would happen is you would just get more bad debt. Because that's your cushion by unlocking more debt for you to have by moving your debt to one other debt. Okay, so, so you just go stem it up, dude. That's what all you'd do. You'd go purchase.

• 46:39Caleb Hammer?

  Now you'd go consolidate or whatever, personal loan, pay off the cards, however you do it, multiple ways, credit card transfer, but then you build up that original credit card again with stim toys and cat treats and you bullshit.

• 46:51Speaker 04

  They're not even approving me for these loans.

• 46:53Caleb Hammer?

  Thanks, because you're horrible with debt. Honey, you're horrible with debt. Listen, in here alone, $311 in interest this year, still, at the time of filming this, it's basically barely even started. We're fresh into the air and we're already at $311.

• 47:10Speaker 04

  I didn't know it was that much. I knew that the interest rate was high.

• 47:13Caleb Hammer?

  Do you not look at statements ever? You don't budget. You're not even willing to use an automated budgeting app that just does it all for you. So like, I guess I'm not surprised.

• 47:22Speaker 04

  Well, I've, I've tried to budget. It's just it, I get overwhelmed because the numbers do look bad sometimes, but that's the reason why I'm trying, the reason why I wanted to get the loan is so that way I could pay off a card and use it more intelligently and build up my credit.

• 47:40Caleb Hammer?

  You can only do something like that if you change your behavior first. You haven't changed your behavior.

• 47:44Speaker 04

  That's what I'm working on.

• 47:46Caleb Hammer?

  No, what? Buddy, you spent a, a fourth wind to your debt net than you actually spent on going out to eat. You're not working on it. Don't say that to me. Everyone says that when they come on this show. No, they're not. You driving here is not working on it. You have no demonstrated abilities in your financial statements to suggest that you are working on it. And you think about it as not work. You built a budget. You didn't see what you wanted, so you walked away instead of actually making the changes in the budget necessary via the life changes you would actually have to do to fix it.

• 48:18Speaker 04

  Well, I, I disagree. I, I think that I'm making a lot better decisions financially.

• 48:24Caleb Hammer?

  Yeah, tell me.

• 48:25Speaker 04

  Well.

• 48:25Caleb Hammer?

  Tell me, please.

• 48:26Speaker 04

  I have a full pantry now, and so I am working on not going out.

• 48:30Caleb Hammer?

  So you probably spent more than you need to at the grocery store, and then you still spent $407 going out to eat. Oh, real big slap on the back for that.

• 48:37Speaker 04

  A lot of the going out to eat too is because when I get off of work, I'm just, I'm exhausted. I have spent all day trying to take care of these people and cater to them.

• 48:46Caleb Hammer?

  Good meal prep beforehand, so you can warm it up in the microwave. Boom, solved your issue. Shut the fuck up. I don't care. You're dying in debt. You're dying in debt, and that is what I care about. I care about you having a better life. I don't care about if you're tired after work. I don't. I care about you having a better life. In general.

• 49:03Caleb Hammer?

  You get off of work, go home, warm it up, boom, good. You live with her?

• 49:07Speaker 04

  No.

• 49:07Caleb Hammer?

  Okay. Well, nevermind.

• 49:11Speaker 04

  She stays over a lot, though, and so I, I'm the only one that, she can't cook.

• 49:16Caleb Hammer?

  She can't, she's, what? Give her one of these. Give her one of the cookbooks. It's the easiest recipes in the world and it's for $300 a month. The budget's for budgeting on $300 a month. It's just like, what do you mean, the I can't cook is not a thing anymore? Again, just like the I can't find rent prices, that's not a thing anymore.

• 49:37Speaker 04

  Well, I've tried to teach her how to cook, but it's just, we end up fighting.

• 49:41Caleb Hammer?

  You're just pushing buy-ins. Bake, bake. Everyone can bake. Everyone can bake, right? Everyone can bake. Jake, can you bake? Lindsay, can you bake? Everyone can bake. I can bake. We can all bake. Bake is, you go, and then you put it in, you go, you're baked.

• 49:58Caleb Hammer?

  Casserole, meatloaf, baked.

• 50:03Caleb Hammer?

  I'm not talking about a fucking pan-fried incredible filet mignon, which honestly is actually pretty easy, too.

• 50:11Speaker 04

  I've tried to teach her the simple things like mac and cheese.

• 50:14Caleb Hammer?

  She can't push a button. I'm concerned that she can't push a button.

• 50:18Speaker 04

  Well, she started, she started to. She's using the air fryer now.

• 50:22Caleb Hammer?

  Oh, she's using the air fryer. So she's learned how to push a button. Okay, listen. Oh, I got a little, you know, can, Jake, can you go get her real quick? Can you go get her? She, can, can you get her real quick? A little, can someone go get her? Still don't know what we're doing. We're, this is 2025. This is 2025. This is 2025. I'm very curious. Listen, here.

• 50:54Caleb Hammer?

  Boom, recipe.

• 50:58Caleb Hammer?

  Okay, so she follows us in our recipe book. Hello? Take this crayon. Put it in here. Stir it up.

• 51:07Caleb Hammer?

  Good. Push this button. Push it right here. Push this button. Good, she's not completely disabled. She can cook. She can bake. You're welcome to leave. Thank you.

• 51:22Caleb Hammer?

  She can cook. She can cook. She stirred together ingredients. She put ingredients in. She can cook. I'm so proud of her. I'm very proud of her.

• 51:36Speaker 04

  I am too. That was a lot. That was impressive for her.

• 51:40Caleb Hammer?

  Okay, well, now you're just calling her stupid or something. That's not very nice.

• 51:46Caleb Hammer?

  Only I do that. So there we go. I mean, also just can make a sandwich. That's not cooking. Like, there is no excuse. There is no excuse. I, I understand being tired. I'm tired of the work too. We're all tired of the work too. And luckily I can afford to get food if I want to get food. But if I needed to, I meal prep. The way I got out of debt. I sacrifice everything necessary. And if you do it, you can have a good life. But not if you actually don't do anything. My, we've been on this Amazon card forever.

• 52:19Caleb Hammer?

  Quicksilver. $3,489.24. Another just substantial balance with a minimum monthly payment of 115. Yeah, these payments stack up. So I definitely feel that. That's it. It's at max.

• 52:34Speaker 04

  Yeah.

• 52:35Caleb Hammer?

  When we still purchased. We purchased.

• 52:39Speaker 04

  Um, I think stuff comes out of there automatically. I think.

• 52:43Caleb Hammer?

  Well, stop. This is, it takes five seconds. It takes five seconds. Open your phone. Open your phone. Open it.

• 52:56Caleb Hammer?

  Take a phone. Give, give, give.

• 53:02Caleb Hammer?

  Yes, you have Apple Music, Apple TV Plus, Chegg, Goodnotes, Microsoft 365 Family, Quizlet, cancel them all, then you wouldn't have a lot of f***ing Mad App, f***ing payments.

• 53:14Speaker 04

  Well, I think that one's Netflix that comes out of that one.

• 53:18Caleb Hammer?

  Well, cancel that, there's nothing on there anyway. Well, there's a lot on there, there's nothing good.

• 53:24Speaker 04

  Sometimes I just need my comfort show to go to and I don't want...

• 53:27Caleb Hammer?

  What's your comfort show?

• 53:28Speaker 04

  I'm watching, I have the subscription with the ads.

• 53:32Caleb Hammer?

  YouTube has all of this and you can watch the ads and this is so much better. Netflix, they have the most boring financial show ever created. YouTube, pretty f***ing great. Just watch this, it's a free platform. I just don't get it. We're sacrificing a little, man. It's just...

• 53:49Caleb Hammer?

  Okay.

• 53:51Caleb Hammer?

  It keeps your credit card maxed out. That's the point. If it was in your checking account, it would be different.

• 53:56Caleb Hammer?

  I'm getting hiccups. Because I'm stressed at this craziness. If... You're not a credit card person, buddy. You can't have credit cards. I can't have you open more debt.

• 54:09Speaker 04

  Well, I have one right now that has no balance on it.

• 54:12Caleb Hammer?

  Very proud of you. You have two that we've talked about so far. One is maxed out, the other one's over that, so I don't give a f***. You can use the Fizz card, it's connected to your checking account and you can't spend more than it's in there, so it acts like a debit card. You can do that. That's all you can do. Okay? That's it. That's all. Wow.

• 54:32Caleb Hammer?

  It's from Petco Vito Care. It's not even Netflix, you titts.

• 54:35Speaker 04

  So, that's from my dog that I had to have put down in November and it was...

• 54:42Caleb Hammer?

  Is that her payment plan?

• 54:43Speaker 04

  It was a monthly subscription to make the vet payments cheaper and so it...

• 54:49Caleb Hammer?

  Horrible.

• 54:50Speaker 04

  It did help me a lot when I was getting her checked out.

• 54:52Caleb Hammer?

  And I am so sorry because that is like the worst thing in the world whenever that happens. Here is the thing, I'm going to, there, there is no point of sugarcoating life on this show. You know, we'd be wasting our time if you left here and I just sugarcoated. If you can't afford a vet appointment, even for that horrible last one, you can't have a pet and you should not have gotten a cat. I'm sorry about the dog. You already have the dog. This is what happened. Okay?

• 55:16Speaker 04

  I'm actually surprised that there's not my vape purchases on that one.

• 55:21Caleb Hammer?

  What is with financial stupidity and killing our lungs? It goes hand in hand. There is not one person on the show anywhere that doesn't vape. What? How much you spend on vaping? What are you vaping?

• 55:32Speaker 04

  Just nicotine. Um, I-

• 55:35Caleb Hammer?

  How much? How often? What?

• 55:39Speaker 04

  All the time. Um, I think I spend maybe a hundred, two hundred, two hundred and fifty dollars a month on it.

• 55:46Caleb Hammer?

  So-

• 55:47Speaker 04

  I've been smoking for like 11 years, so I'm-

• 55:49Caleb Hammer?

  You have to do that to pay off your-

• 55:53Speaker 04

  Well, I'm working. I'm trying to quit that.

• 55:55Caleb Hammer?

  So you smoked cigarettes at some point?

• 55:56Speaker 04

  I did.

• 55:57Caleb Hammer?

  Okay, so that's-

• 55:57Speaker 04

  And so I did quit that.

• 55:58Caleb Hammer?

  You burned all this. That makes sense. That makes much more sense. I understand that.

• 56:01Speaker 04

  Okay, well-

• 56:03Caleb Hammer?

  Easy.

• 56:04Speaker 04

  Well, come on, man. You're talking about genetic here. I, I don't have any control over that, right?

• 56:09Caleb Hammer?

  I'm teasing ya!

• 56:11Speaker 04

  Well, come on, man. We're here talking about finances and you're talking about how I can't grow a mustache.

• 56:16Caleb Hammer?

  I can't either. Look at me. I'm a patchy little-

• 56:18Speaker 04

  Exactly. Come on, pirate.

• 56:20Caleb Hammer?

  Huh?

• 56:22Speaker 00

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just five dollars. Only at McDonald's for a limited time.

• 56:34Speaker 01

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 56:37Speaker 04

  And Patchy the pirate, right? We're both in the same boat now.

• 56:40Caleb Hammer?

  I don't know that one.

• 56:41Speaker 04

  No? Okay.

• 56:43Caleb Hammer?

  Well, I'm Patchy. You just got neck. What? You know?

• 56:48Speaker 04

  We're, we're in the same boat.

• 56:50Caleb Hammer?

  Okay. Listen, why? How'd you pick it up at? Well, you'd have been 14? You picked up smoking? What? Why? That's horrible. We need to get you off, man. We need to get you off.

• 57:05Speaker 04

  I, I've been trying for a couple of years. I've-

• 57:10Speaker 04

  For me, I just, I'm so stressed out all the time and so I know that it's harder to quit something that you're addicted to like nicotine.

• 57:20Caleb Hammer?

  It is, it really is.

• 57:21Speaker 04

  When you're so stressed out.

• 57:23Caleb Hammer?

  Why'd you pick it up so early?

• 57:24Speaker 04

  Um, I was hanging around the people that I shouldn't have. I was trying to impress them because I, I wasn't the kid that people liked. I, I have, I have red fucking hair. I have red fucking hair and that I was-

• 57:36Caleb Hammer?

  Lindsay, he has red hair. Oh no.

• 57:37Speaker 04

  I was an easy target.

• 57:38Caleb Hammer?

  Lindsay, are you hated? Oh no.

• 57:42Speaker 04

  I, I was an easy target and so people didn't like me and so to impress people, I started-

• 57:47Caleb Hammer?

  They actually did not like you.

• 57:48Speaker 04

  They actually did not like-

• 57:49Caleb Hammer?

  But because of the hair.

• 57:50Speaker 04

  It was always their go-to.

• 57:52Caleb Hammer?

  I've never not liked someone because of their appearance. It's a really weird thing.

• 57:56Speaker 04

  People are very superficial in California.

• 57:57Caleb Hammer?

  Listen, if you smelled like cigarettes when you're walking into homeroom, yeah, I would not like you. I did not like those people.

• 58:03Speaker 04

  I, I, I don't know what the problem was. I mean, I, it always came back to me having red hair. That was always their go-to, so-

• 58:13Caleb Hammer?

  Ye may hair like a toxic school? Is it a very clicky school?

• 58:16Speaker 04

  Yeah.

• 58:17Caleb Hammer?

  I mean, yeah, I mean, that just may have, I don't know if it's the hair thing. They probably used it as a point, as a jab, but you know, it's like, I highly doubt that was the reason they did not like you.

• 58:27Speaker 04

  Well, and I've always been a shy person and so I, I didn't make friends easy and so I-

• 58:31Caleb Hammer?

  There you go. You're introverted and it was a clicky school. I think it's more that.

• 58:34Speaker 04

  Yeah, so I guess to get people to like me, I started doing stuff that they were doing.

• 58:39Caleb Hammer?

  People liked you? People were gonna like you by you showing up smelling like death? I'm a little confused. How does that work?

• 58:44Speaker 04

  I was a little bit more accepted into the other groups.

• 58:47Caleb Hammer?

  Oh, so it was the group that was smoking?

• 58:49Speaker 04

  Yeah.

• 58:50Caleb Hammer?

  What was that group? Emo?

• 58:52Speaker 04

  No, uh-

• 58:53Caleb Hammer?

  That's who smoked in my school. Emo and ghetto.

• 58:57Speaker 04

  Ghetto.

• 58:58Caleb Hammer?

  Oh.

• 59:00Speaker 04

  Yeah.

• 59:00Caleb Hammer?

  Ghetto ginger. It's a new one. I've never, I've never seen that one. They call them gypsies in, in the UK though. It's the Irish.

• 59:11Speaker 04

  Gingers?

• 59:13Caleb Hammer?

  Yeah, the, the Irish. Yeah. It's not the Eastern European gypsies, but it's the, the Irish gypsies of the UK.

• 59:20Speaker 04

  I feel like that's a really weird fact to know offhand.

• 59:23Caleb Hammer?

  I have British friends. Yeah, I know. Edit? Yeah.

• 59:29Caleb Hammer?

  27.24% interest rate. We are accruing almost $300 in interest on this one as well. So at this point, I mean, we're probably up to about $500, $550 in interest, lost, some two cards.

• 59:44Caleb Hammer?

  Listen buddy, I, this is, there's just so much to go through still. Like, I don't know. And I appreciate you saying you think you're gonna change, but I don't see the, with defending a fucking stim toy, getting into the cash situation. I'm just, I'm a little nervous that you actually won't change. Um.

• 1:00:05Speaker 04

  I've given myself no other choice but to change and so I've given myself-

• 1:00:09Caleb Hammer?

  However, I've seen people not change, even when they have no other choice but to change and they just fuck everything up. And you can go down the road of bankruptcy, you could do that, but fact is, without changing your behavior, you're gonna be like many people who've been out through bankruptcy before on the show, who they go through bankruptcy, didn't change their behavior before or during, then they get into debt again. It's like, this is gonna be a reoccurring cycle forever.

• 1:00:28Speaker 04

  That's the reason why I'm here though. I don't want to declare bankruptcy. I don't want to declare bankruptcy.

• 1:00:33Caleb Hammer?

  Okay.

• 1:00:33Speaker 04

  I don't.

• 1:00:34Caleb Hammer?

  What's your big fear of bankruptcy?

• 1:00:36Speaker 04

  Um, not being able to provide the life that I want for myself in seven years, cuz I plan to be financially free way before the next seven years.

• 1:00:46Caleb Hammer?

  I hope so, it's brutal.

• 1:00:48Speaker 04

  And so I don't want that to inhibit me from doing the things that I want to do with my life.

• 1:00:54Caleb Hammer?

  I mean, just alone buddy, the interest that you've lost is insane. We're reaching like 30%. 30%. Like the best return thing I can think of is, when I just have money that I'm not using, I just like put it into the Mu Mu app that I use, and I get like an immediate 8.1% return on my money. It's incredible. It's delicious. It's awesome. It's their little savings thing. That is known as an incredible savings rate, percentage. You're losing 30%. That point of financial freedom, keeping a card over maxed, a card maxed, and then losing 30% on it? That never gets us there.

• 1:01:30Caleb Hammer?

  It is time to cut down your financial stress and gain total financial dominance.

• 1:01:38Caleb Hammer?

  You gotta download my budgeting app today. It's free to start and it's the simplest way to take control of your money. In the free version, you can manually create your budgets, track expenses, and monitor your spending all in one clean intuitive dashboard. And then you can take it a step further. Upgrade to premium to securely link your accounts with Plaid, automatically categorize transactions. And with our new update, you can set custom rules so you never have to re-categorize the same purchase twice. You also get access to our private financial community where you share tips, learn the best practices, and stay inspired. Plus, I'm adding new features like every frickin' week to make this thing even better. And you can test it out with a 14-day free trial, so there's no risks.

• 1:02:21Caleb Hammer?

  And don't forget, when you sign up for the annual version of the premium plan, you'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook, all mailed directly to your door. So make sure you download my budgeting app today. It's in the description and pinned comment below. You will not regret it. And this credit card we purchased on again. Where is this getting to this financial freedom thing that you're talking about? I'm not seeing it personally. I mean, what's even the max spend you can spend on this?

• 1:02:55Speaker 04

  That one actually got lowered.

• 1:02:57Caleb Hammer?

  This is where Netflix is. So I didn't even know where...

• 1:03:01Caleb Hammer?

  It's a 34% interest. Me, I just talked about how 30 is so bad.

• 1:03:06Speaker 04

  So this one I got when I was with my ex because I actually was investing in a business for her.

• 1:03:15Caleb Hammer?

  For her?

• 1:03:16Speaker 04

  Yeah.

• 1:03:16Caleb Hammer?

  Oh, no, what?

• 1:03:18Speaker 04

  So I was like a silent investor essentially. And so she was selling like sensi.

• 1:03:25Caleb Hammer?

  Silent because she didn't want you to be seen.

• 1:03:28Speaker 04

  So she was selling Sensi and paparazzi and then she-

• 1:03:32Caleb Hammer?

  What is that?

• 1:03:33Speaker 04

  Sensi is it's this pyramid scheme. It's like wax. Instead of candles, you use a wax warmer and they sell wax and room sprays and all this stuff. And so she was doing that and she built up um like a pretty big like online community, I guess. And so she then started meeting people who were doing like reselling online on like Facebook Marketplace and doing uh like Facebook Lives. And so we would go to like TJ Maxx and Ross and Marshall's and we would buy all of these like name brands.

• 1:04:07Caleb Hammer?

  Yeah, that's how bad, but what happened?

• 1:04:08Speaker 04

  Um. I kept investing money, but I wasn't getting anything back and so-

• 1:04:15Caleb Hammer?

  Wait, how much were you investing? So 10,000 was made, but was that 10,000 in profits after the investing?

• 1:04:21Speaker 04

  Uh, it was probably 7,000 in profits.

• 1:04:27Caleb Hammer?

  Dude, she's fucking crazy.

• 1:04:30Speaker 04

  Easier to let her deal with it instead of asking for the money because then it would start a fight and-

• 1:04:37Caleb Hammer?

  Two would have fought. If you said, can I have some of the money I've been investing into it?

• 1:04:40Speaker 04

  Well-

• 1:04:41Caleb Hammer?

  That's where you run.

• 1:04:44Speaker 04

  Yeah, it was a fear.

• 1:04:45Caleb Hammer?

  How much did you put into it?

• 1:04:47Speaker 04

  Um, God, I don't know. Probably over 10 grand out of my own pocket.

• 1:04:52Caleb Hammer?

  And why is it associated with this credit card?

• 1:04:55Speaker 04

  Because we were getting points on that and then they have like a reward system that you can use. It's like you get $20 off purchases or whatever it is. And so we were using that to buy most of the product. It did have a higher limit, but it's come down a lot.

• 1:05:19Caleb Hammer?

  Yeah, I bet you basically act the limit. And then again, there is the purchase. It's a reoccurring. But it's at a 35, 34% interest rate. I don't understand the point. Okay, so you owe on TJX. Never even heard of that.

• 1:05:37Speaker 04

  It's the TJ Maxx.

• 1:05:38Caleb Hammer?

  Oh, this is TJ Maxx?

• 1:05:39Speaker 04

  Yeah, so it's a

• 1:05:42Caleb Hammer?

  Pyramid scheme on TJ Maxx. $441.24 for a minimum payment of $38.

• 1:05:52Caleb Hammer?

  Crazy. Interest this year alone. Fees? Why am I seeing fees? Did you have a late fee this year? Pull up the app. Pull up the. Pull it up.

• 1:06:03Speaker 04

  I don't think so.

• 1:06:11Speaker 04

  It's easier for me to keep up with that one because the payments are lower.

• 1:06:15Caleb Hammer?

  Well, yeah, because it doesn't let you spend more because it's deemed you to be an irresponsible child with credit.

• 1:06:26Caleb Hammer?

  Okay, statements. I gotta go through the statements of this year. Okay. So here's the month before. Yeah, so I will.

• 1:06:39Caleb Hammer?

  Interest, okay. I don't think this is the fee one. Must have been January, may have been an annual, let's find out.

• 1:06:46Speaker 04

  I don't know if there's an annual interest fee on that one.

• 1:06:50Caleb Hammer?

  January.

• 1:06:53Caleb Hammer?

  There's it is, a $27 fee. What you doing in here, credit card? It's a late fee. It's a fucking late fee. You're not even paying them on time. I like you as a person, I think. You seem chill, but buddy, you're not even

• 1:07:15Caleb Hammer?

  the fucking stim toy overpaying your lowest, most manageable in your words credit card.

• 1:07:22Caleb Hammer?

  Come on. Your choices are beyond irresponsible. Why are you late? Any of them should be on autopay, it's this.

• 1:07:31Speaker 04

  I don't know what happened with that one.

• 1:07:34Caleb Hammer?

  You didn't pay it on time, why?

• 1:07:37Speaker 04

  You said that was in December or January?

• 1:07:39Caleb Hammer?

  January.

• 1:07:43Speaker 04

  I'm not sure. I had gone to California for like two days in November for my grandma's like celebration of life or whatever. And then after that, I don't know, maybe.

• 1:07:58Speaker 04

  I don't know what happened. I don't know if it was maybe the plane tickets. I don't know. That just got a hold of my fini- I don't know what happened.

• 1:08:08Speaker 04

  I I didn't know that it was late.

• 1:08:10Caleb Hammer?

  Uh huh. Costco.

• 1:08:15Speaker 04

  So that one I also.

• 1:08:17Caleb Hammer?

  Hundred forty-four dollars and sixty-eight cents, minimum monthly payment, thirty-five. What were you gonna say?

• 1:08:23Speaker 04

  So I got that one because um we, back when I was with my ex, we were saving money by going and buying in bulk at Costco. And so I got a Costco card and I had ended up buying a pool on that, actually. And then I ended up, I did end up returning the pool because Costco has this return policy where you can return it however, so I got the money back.

• 1:08:46Speaker 04

  They ended up closing that account, though.

• 1:08:48Caleb Hammer?

  Think. So. You can't be trusted with credit to save your fucking life. Like, actually, literally, mama's giving you haircut money.

• 1:08:57Caleb Hammer?

  Can't make food.

• 1:09:01Caleb Hammer?

  I I don't, I don't know.

• 1:09:05Speaker 04

  I think right now I'm doing the best that I can with what I have.

• 1:09:08Caleb Hammer?

  You're doing the best? You relate on your most manageable pa- you're doing your be- I'm not gonna accept you're doing your best. Define to me how the fuck you think you're doing your best, please. I wanna hear this defined by you.

• 1:09:23Speaker 04

  Um.

• 1:09:26Speaker 04

  Recognizing that I am in

• 1:09:31Speaker 04

  an amount of debt that I can't survive with right now with, not with my.

• 1:09:35Caleb Hammer?

  So ba- basic recognition is you doing your best?

• 1:09:39Speaker 04

  I'm taking action, though.

• 1:09:41Caleb Hammer?

  What? I see nothing but moving them up except for the credit cards you can't spend on.

• 1:09:45Speaker 04

  Trying to get help by coming here and figuring out what to do.

• 1:09:48Caleb Hammer?

  I'm not a magic pill.

• 1:09:50Speaker 04

  Making, so I haven't touched that other card that has no balance on.

• 1:09:53Caleb Hammer?

  Listen, you know, without me having to tell you, that the best thing you could do to get out of debt as a first step is don't spend on the debt. Nothing was a necessity that has been spent on the debt so far. Nothing. Not one thing has been a necessity. Not one thing. If you were trying, you would not need me to say that.

• 1:10:14Speaker 04

  Feel like a necessity to me.

• 1:10:16Caleb Hammer?

  A standpoint feels like a necessity. Netflix feels like a necessity. Not paying your card on time feels like a necessity. What are you talking about?

• 1:10:22Speaker 04

  So I I didn't know that I wasn't. That I didn't make that payment on time cuz I I so what I've tried to do is I'll write down like my debt and then when it's due and then how much the payment is but that's the mo- I can only keep track of like the cards. I don't understand.

• 1:10:40Caleb Hammer?

  Auto pay budgeting app, auto pay budgeting app.

• 1:10:42Speaker 04

  I can't put anything on auto pay when there's no money in my account.

• 1:10:46Caleb Hammer?

  You would have money if you're using a budgeting app.

• 1:10:49Speaker 04

  Okay, but when the systems aren't easy for me to use or I'm having to pay fifty something dollars for a subscription, that feels like a waste.

• 1:10:57Caleb Hammer?

  Why would you pay fifty dollars for a?

• 1:10:59Speaker 04

  There's budgeting apps that I've tried to look at and they.

• 1:11:02Caleb Hammer?

  Oh, our budgeting, well, yes, for the automatic connections is because it costs- People don't know this. I don't talk about it all the time, but when you download our budgeting app, right? Just your free account actually costs us money. It costs us money for uh AWS. But then if you do the automatic connections through your banking platform, no budgeting app does that. You pay a third-party service. So every account you connect charges us money. So for some users, we would lose money if they have like a thousand accounts to connect. For some that do too, we make money. Yeah, what do you think? People are just like a charity? Like, yes, in order to build the service that costs hundreds of thousands of dollars to build, it is going-

• 1:11:38Speaker 02

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a fifty-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies. Eighteen plus.

• 1:12:03Caleb Hammer?

  It costs money, but if paying, you know, fifteen bucks a month, which is what I think our premium version is, or a lot cheaper on an annual basis, if charging that saves you thousands a year, I think it's worth it.

• 1:12:16Speaker 04

  I just, I I get overwhelmed and then by the time I can start getting to variable expenses, I freak out and then I'm done. So I get the furthest that I can with the debt that I have and I write down the minimum monthly payments and I make do. I move money around if I need to.

• 1:12:35Caleb Hammer?

  You don't, you missed.

• 1:12:41Caleb Hammer?

  Okay. What is this? What am I looking at? It doesn't have a title.

• 1:12:44Speaker 04

  That's an IRS payment plan.

• 1:12:47Caleb Hammer?

  We're on fucking IRS land. We're on, oh, this is a fucking affinity stone.

• 1:12:52Speaker 04

  That's because when I was with my ex, I was-

• 1:12:54Caleb Hammer?

  Always goes back to the ex. Have you ever done anything wrong?

• 1:12:57Speaker 04

  I have done- Yeah, I'm not denying that.

• 1:13:00Caleb Hammer?

  I feel like I only hear what's been against me, or it goes back to the ex.

• 1:13:04Speaker 04

  No, I know that I've done my fair share of things that I shouldn't have. I get that. I take myself responsible.

• 1:13:10Caleb Hammer?

  Right.

• 1:13:11Speaker 04

  But-

• 1:13:11Caleb Hammer?

  Except for your spending, which you say is 100% necessary.

• 1:13:13Speaker 04

  So, this though, this IRS thing?

• 1:13:15Caleb Hammer?

  Yeah.

• 1:13:15Speaker 04

  She told me to go exempt, that way we had more money to be able to afford the rent and the car payment.

• 1:13:23Caleb Hammer?

  I hate this lady.

• 1:13:24Speaker 04

  And the kids, taking care of the kids and taking them to school and everything like that.

• 1:13:27Caleb Hammer?

  She's not a good person. What year is this from?

• 1:13:30Speaker 04

  Uh, that's- From last-

• 1:13:33Caleb Hammer?

  No.

• 1:13:33Speaker 04

  No, uh, 23.

• 1:13:36Caleb Hammer?

  But you left in 23?

• 1:13:37Speaker 04

  Right.

• 1:13:38Caleb Hammer?

  You filed exempt in the year that you left? Okay.

• 1:13:40Speaker 04

  Yeah.

• 1:13:40Caleb Hammer?

  Okay. Uh, are you on a payment plan?

• 1:13:43Speaker 04

  I am.

• 1:13:43Caleb Hammer?

  What's going on? What's your minimum monthly?

• 1:13:45Speaker 04

  Seventy-five dollars a month.

• 1:13:46Caleb Hammer?

  What's the interest rate?

• 1:13:47Speaker 04

  I don't know.

• 1:13:47Caleb Hammer?

  Seventy-five's not gonna get you there very quick at all. My gosh. I mean, it's probably, I think it's usually a Fed rate plus, plus two or three. It's probably like 8%, 9%?

• 1:13:59Speaker 04

  Yeah, I don't know. I just know that I pay seventy-five dollars a month.

• 1:14:03Caleb Hammer?

  So it's probably gonna take like

• 1:14:07Caleb Hammer?

  forty-six months to pay off, four-year process from here?

• 1:14:11Speaker 04

  I think I've been paying on it for a little bit. Uh, I just don't know how long.

• 1:14:15Caleb Hammer?

  And then what did you do with the money that we were filing exempt and just using?

• 1:14:21Speaker 04

  It was going to-

• 1:14:22Caleb Hammer?

  It was all her?

• 1:14:22Speaker 04

  Her, it was going to the bills, it was for the truck, it-

• 1:14:28Speaker 04

  I, it was paying for, um, like the hotels and stuff, maybe? I don't know. It could have been my idea. Maybe I got overwhelmed with all the debt and I didn't wanna tell anybody. I don't know. I don't know. I, I- I was doing payday loans at that time too.

• 1:14:48Speaker 04

  Trying to just get by. I'm not doing the payday loans anymore. They're, those are all done and squared away.

• 1:14:57Caleb Hammer?

  This is brutal.

• 1:15:01Caleb Hammer?

  This is brutal.

• 1:15:08Caleb Hammer?

  Okay Kia.

• 1:15:11Caleb Hammer?

  Twenty-four thousand while you're in school, can't afford school, you have a twenty-four thousand dollar, nine hundred sixty-one dollar, fourteen cent loan on a fucking Kia?

• 1:15:20Speaker 04

  So this-

• 1:15:21Caleb Hammer?

  When you can't pay for school with a five hundred four dollar monthly payment when you can't pay for school?

• 1:15:25Speaker 04

  Okay, this is because, so I ended up, so when I left my ex, I took the truck that I had bought her, and I drove that out here, but my payments on that were like, eight hundred and something dollars a month. So I ended up doing a voluntary surrender on that. And then, um, my mom flew out here and she helped me search for a car and, so I, I wanted a used car, I was okay with a used car, but she was worried about reliability and so I thought that that made more sense. But she,

• 1:16:08Speaker 04

  so this car is in her name?

• 1:16:10Caleb Hammer?

  It's your mom's name?

• 1:16:11Speaker 04

  Because I don't have, I don't have the credit for that to be on mine.

• 1:16:15Caleb Hammer?

  Even then, oh, okay.

• 1:16:16Speaker 04

  So, um, I make the payments on the car.

• 1:16:20Caleb Hammer?

  Yeah, I'd hope so.

• 1:16:22Speaker 04

  Her name's on it and then, uh, so there is a car that's in my name out in California. Um-

• 1:16:30Caleb Hammer?

  What?

• 1:16:31Speaker 04

  So my mom's making the payments on that one.

• 1:16:33Caleb Hammer?

  What the fuck? What, what is, what, what, what is that car?

• 1:16:37Speaker 04

  Uh, it's a twenty twenty-one Kia K5.

• 1:16:40Caleb Hammer?

  What is owed on that car?

• 1:16:41Speaker 04

  I think like sixteen?

• 1:16:44Caleb Hammer?

  Okay.

• 1:16:48Caleb Hammer?

  What's your minimum on that?

• 1:16:49Speaker 04

  Uh, it's like three eighty-five or something like that.

• 1:16:53Caleb Hammer?

  You guys need to fucking drive me halfway in the country and swap?

• 1:16:55Speaker 04

  Well, so what happened was when I had left, I had given this Kia K5 to one of my coworkers and she took over the payments and we did a contract and everything. Well, so she had-

• 1:17:08Caleb Hammer?

  Is this new or used when you got this?

• 1:17:09Speaker 04

  What was that?

• 1:17:10Caleb Hammer?

  Is this new or used when you got this?

• 1:17:11Speaker 04

  It was brand new. It was like five or seven miles on it. I bought it in twenty twenty-one. My credit was a seven forty.

• 1:17:18Speaker 04

  And so

• 1:17:19Caleb Hammer?

  Okay.

• 1:17:19Speaker 04

  It was in mint condition when I left. I gave it to one of my coworkers to take over the payments on. We had a contract and she took over payments and then she started being really late on payments or missing them. And then I was getting letters in the mail about the registration being late. Cause she was supposed to pay the registration and all that. She didn't have insurance. She never paid the registration. She stopped making the payment. So my mom ended up taking it back. And so she's actually having to put probably like a little over a grand into it to get it to where it's safe to drive.

• 1:17:55Caleb Hammer?

  Dude, this is just such a mess. It's just such a fucking mess.

• 1:18:01Speaker 04

  And I looked at actually selling that to get it off of my credit. But I, I won't even break even on the loan. And then this one, the one that you're looking at, the 2024,

• 1:18:16Speaker 04

  I'm in the hole probably $10,000 on that one. The truck though, I was in the hole like 15, 20 grand, but they were actually able to, so when they repo'd it, they were actually able to sell it for a lot more than I would have been able to like privately at a dealership or anything like that. So there's about $13,000 in collections.

• 1:18:37Caleb Hammer?

  No, no.

• 1:18:38Speaker 04

  For the truck.

• 1:18:39Caleb Hammer?

  No, it's not. No, it is this, this, this one? This one confirmed?

• 1:18:46Caleb Hammer?

  Oh. Oh, the other one?

• 1:18:51Caleb Hammer?

  The other one is worth $6,900. Okay. I need to get the value for this car, please.

• 1:18:59Caleb Hammer?

  Okay, so that one's, yeah, you can't sell, borrow, make the difference for that one. This one, we're getting the value on, but what is the interest on this?

• 1:19:08Speaker 04

  I don't know.

• 1:19:10Caleb Hammer?

  You don't know?

• 1:19:11Speaker 04

  No.

• 1:19:11Caleb Hammer?

  Neither do I, cause it doesn't say. What about the other car?

• 1:19:16Speaker 04

  Uh, the Kia back in California.

• 1:19:19Caleb Hammer?

  The one that's in your name that she pays for.

• 1:19:20Speaker 04

  That one, it was like a 2.9% interest.

• 1:19:22Caleb Hammer?

  Why don't you guys swap? Me and El Paso.

• 1:19:29Speaker 04

  I don't know.

• 1:19:31Speaker 04

  I think that my-

• 1:19:32Caleb Hammer?

  You've never talked about it?

• 1:19:36Speaker 04

  No.

• 1:19:38Caleb Hammer?

  Why'd you get? This car specifically?

• 1:19:43Speaker 04

  Uh, we were-

• 1:19:45Caleb Hammer?

  A car you couldn't even come close to affording, whether or not it's in your name-

• 1:19:48Speaker 04

  We were in a rush and with-

• 1:19:50Caleb Hammer?

  Rush? You can't rush what destroys your life?

• 1:19:53Speaker 04

  Well, I had-

• 1:19:54Caleb Hammer?

  Oh, this is worth fifteen thousand?

• 1:19:55Speaker 04

  Tess drove it and it was a good car. It was reliable. It was good on gas, so I'm-

• 1:20:03Caleb Hammer?

  Yeah, and now you can't afford to pay for life. I don't care what the mileage, if you can't afford to pay the life? Wait, pay for life, dude?

• 1:20:19Caleb Hammer?

  Okay, okay, okay, okay. Okay, okay. Okay, okay. Okay. Is this the other car?

• 1:20:28Speaker 04

  No, I think that's still part of the same one.

• 1:20:31Caleb Hammer?

  In addition to twelve thousand?

• 1:20:32Speaker 04

  Oh, no, that's the truck.

• 1:20:35Speaker 04

  If it's the twelve thousand-

• 1:20:36Caleb Hammer?

  The truck that's repo'd?

• 1:20:37Speaker 04

  Yeah. I, I did a voluntary-

• 1:20:39Caleb Hammer?

  So this is what you still owe?

• 1:20:40Speaker 04

  I, yeah, I did a voluntary-

• 1:20:41Caleb Hammer?

  Fuck me. I got, I, I know. I know. Oh, my. So what, what's up with this? Are you, are you on a payment plan?

• 1:20:49Speaker 04

  No.

• 1:20:49Caleb Hammer?

  Are you going to? Is it in collections? What is it?

• 1:20:52Speaker 04

  Uh, it's with a collections company, but it's not showing on my report that it's in collections.

• 1:20:57Caleb Hammer?

  Really?

• 1:20:58Speaker 04

  Yeah. I'm-

• 1:20:59Caleb Hammer?

  Is it showing on your credit at all?

• 1:21:01Speaker 04

  Uh-

• 1:21:02Caleb Hammer?

  As non-collections?

• 1:21:03Speaker 04

  I think it's showing, yeah, it's still showing. It shows on my account as like a voluntary surrender, but it doesn't show as a collection. But, um, I, my plan is to just leave it alone for as long as I can.

• 1:21:17Caleb Hammer?

  Yeah, but if it does pop up in collections, you said I don't want to over my financial future in seven years, it'll be on your collections.

• 1:21:26Speaker 04

  Well, for right now, that one's just really not a priority to me. I-

• 1:21:30Caleb Hammer?

  Well, I understand how it might not be the, what's the priority?

• 1:21:34Speaker 04

  The, the cards with the high interest?

• 1:21:36Caleb Hammer?

  Which is why you're still spending on them and keeping them at the credit limit and above the credit limit?

• 1:21:44Caleb Hammer?

  Interesting.

• 1:21:45Speaker 04

  Uh, yeah, I'm trying to get better at not using them. I don't carry them with me.

• 1:21:49Caleb Hammer?

  Oh, you're not?

• 1:21:50Speaker 04

  I don't carry them with me anymore. And when I had to-

• 1:21:53Caleb Hammer?

  Were they attached to a digital wallet?

• 1:21:54Speaker 04

  They're just on the auto pay things with other accounts.

• 1:21:59Caleb Hammer?

  What about Apple Pay? Tap, tap.

• 1:22:01Speaker 04

  No.

• 1:22:01Caleb Hammer?

  Click, click.

• 1:22:02Speaker 04

  I don't have any-

• 1:22:02Caleb Hammer?

  When did you stop carrying-

• 1:22:04Speaker 00

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5, only at McDonald's for a limited time.

• 1:22:16Speaker 01

  Pricing participation may vary. Promotion pricing may be lower than real pricing.

• 1:22:19Caleb Hammer?

  On them?

• 1:22:21Speaker 04

  A couple of months ago?

• 1:22:23Caleb Hammer?

  No, there was purchases on there.

• 1:22:25Speaker 04

  Then it was all through like-

• 1:22:27Caleb Hammer?

  Then, yes, if you have them attached in apps like Amazon, you can't be doing that. But it still counts. It's not like it doesn't count because it's not in your freaking wallet. Jeez, oh, we already do have student loans.

• 1:22:38Speaker 04

  Yeah.

• 1:22:39Caleb Hammer?

  Oh, my gosh, okay. Me? Wait, this just keeps going. This is relentless.

• 1:22:50Caleb Hammer?

  Okay.

• 1:22:52Caleb Hammer?

  Yeah, student loans, seventeen thousand nine hundred sixteen. Obviously, you don't have to pay them because you're in school.

• 1:22:59Speaker 04

  Yeah.

• 1:23:00Caleb Hammer?

  But are they subsidized or unsubsidized?

• 1:23:02Speaker 04

  A mix.

• 1:23:03Caleb Hammer?

  So some are still accruing interest.

• 1:23:08Caleb Hammer?

  You're already on IDR. Income contingent repayment.

• 1:23:12Speaker 04

  Yeah.

• 1:23:14Caleb Hammer?

  We'll see how that goes. I had to worry about that for like a year, year and a half.

• 1:23:19Speaker 04

  I think my total payment for all of the loans combined monthly was like 200 bucks or something.

• 1:23:25Caleb Hammer?

  Listen, I know it's not what you're going for, but if you ever want a boost to your resume, happy to gift you a course, career certification of your choice. A lot of people in our audience have done it and it's helped them make a lot of money. So just let us know, we'll gift it.

• 1:23:39Caleb Hammer?

  Kickoff.

• 1:23:40Speaker 04

  So this

• 1:23:41Caleb Hammer?

  This isn't crazy. This is thirty-three dollars.

• 1:23:42Speaker 04

  So this I got to help me build up my credit again.

• 1:23:46Caleb Hammer?

  Oh, great.

• 1:23:47Speaker 04

  This is

• 1:23:48Caleb Hammer?

  What's your credit at?

• 1:23:49Speaker 04

  Uh, five sixty, five seventy.

• 1:23:54Caleb Hammer?

  Okay, yeah.

• 1:23:55Speaker 04

  Yeah, I, uh.

• 1:23:56Caleb Hammer?

  No kickoff is good kickoff can help. We've we've used them a few times. Like, I get it, but not with what you're doing without fixing your other behavior. And you're not doing it. You're still purchasing on the apps and everything, even if you're not. Okay, go on.

• 1:24:11Speaker 04

  Well, so there's a secured card and

• 1:24:16Speaker 04

  that actually might be what I use to pay for my vapes. Um, but then there's like the bud. There's a builder loan and then there's, um, another one.

• 1:24:33Caleb Hammer?

  What snacks on snacks?

• 1:24:35Speaker 04

  It's a vending machine at work.

• 1:24:37Caleb Hammer?

  You're just going to the vending machine every second of your fucking life, dude. You're just venting the machine in your life.

• 1:24:44Speaker 04

  It's cheaper than driving around the corner to go pick up food, so.

• 1:24:49Caleb Hammer?

  It's not cheaper than fucking, well, do you, that's your lunch once a day, dollar fifty cents?

• 1:24:55Speaker 04

  At at work, yeah, and then I'll go home and I either have picked something up on the way or I'll make something else.

• 1:25:01Caleb Hammer?

  Well, honestly, probably because you don't eat like an actual substantial lunch or substantial enough. You have that craving of fucking pick up something on the way home.

• 1:25:10Speaker 04

  Yeah.

• 1:25:10Caleb Hammer?

  But if you don't and you actually eat at home, if you're only spending a dollar fifty, I'd be okay with that.

• 1:25:17Caleb Hammer?

  That's it. That's the debt. That's the debt?

• 1:25:20Speaker 04

  Yes.

• 1:25:20Caleb Hammer?

  Nothing else.

• 1:25:22Speaker 04

  There shouldn't be.

• 1:25:24Caleb Hammer?

  Other than that, that's actually in your name, but your mom's paying for, which is risk. Okay, seventy-five dollars in our checking account. That's insane. DoorDash.

• 1:25:33Speaker 04

  I

• 1:25:34Caleb Hammer?

  Guys, we're changing our behavior. DoorDash.

• 1:25:36Speaker 04

  I don't know where that DoorDash charge came from. I didn't make a DoorDash.

• 1:25:40Caleb Hammer?

  Girlfriend.

• 1:25:42Speaker 04

  Uh, yeah, I don't know.

• 1:25:43Caleb Hammer?

  We learned she can click buttons. Maybe she clicked the button all the way through, uh, DoorDash into your door.

• 1:25:51Caleb Hammer?

  Apple, vapes, Whataburger, barbershop, thanks to mommy, Zellout, vape, vape, Zellout, vape, DoorDash, Target DoorDash, Starbucks, vape, we're going in and getting into bullshit, I'm just gonna call it vape, honestly, vape, Apple Card, vending machine, vending machine, McDonald's, vape, Shake Shack, High Life?

• 1:26:26Speaker 04

  Vape.

• 1:26:30Caleb Hammer?

  Apple Bill, Taco Bell, Apple Bill, IHOP, Taco Bell, Apple Bill, Raising Canes, vape, probably Applebee's, I mean, it's just so much fucking stupid spending.

• 1:26:50Caleb Hammer?

  One sentence, no, no, no, forty dollars that are savings, that from a thousand five hundred, what happened?

• 1:26:59Speaker 04

  So, the thousand five hundred was for rent, so I moved it, I moved to the savings-

• 1:27:05Caleb Hammer?

  Cause you have no ability to control yourself if it's in your checking account to just blow it all on vapes?

• 1:27:09Speaker 04

  That way I knew that I at least had rent for the next month.

• 1:27:14Caleb Hammer?

  And then two dollars in this other, what a joke, what a joke.

• 1:27:22Caleb Hammer?

  Listen, I'll make you a budget, but with your spending, the fact is, again, just a miscellaneous bullshit, hundreds, you're going out to eat four oh seven, towards debt was net a hundred, a hundred, the question is, if actually making a budget, just like when you tried to make a budget and it didn't work, oh, it didn't work, why didn't it work, so you aren't making any changes, are you actually willing to, when leaving work, not pick up food sometimes, are you actually willing to not go out to eat sometimes to get out of debt?

• 1:27:56Speaker 04

  I, I really just don't think that that's something that I can cut back on.

• 1:28:00Caleb Hammer?

  Are you kidding me? That makes no sense, why?

• 1:28:02Speaker 04

  When I'm tired getting off of work, why am I gonna?

• 1:28:05Caleb Hammer?

  Then there's no point.

• 1:28:06Speaker 04

  I don't want to starve myself.

• 1:28:07Caleb Hammer?

  Then there is no point.

• 1:28:08Speaker 04

  So at least I'm eating.

• 1:28:09Caleb Hammer?

  Then there is no conversation left to have and I'm done. I'm done with the conversation then, cuz there's no conversation to be had if you're not willing to cut back on a single fucking thing.

• 1:28:20Speaker 04

  There's other ways.

• 1:28:21Caleb Hammer?

  If you don't want to be him, use the budgeting app. We're gonna go into the post show, I don't want to hear your voice. I'm done, I'm sorry. I'm not gonna waste the next 15 minutes of my life if you're not willing to do just a simple little cutback. I'm done, join us in the post show, for fuck's sake.

• 1:28:35Speaker 04

  She was a [BLEEP] addict.

• 1:28:36Caleb Hammer?

  What? We didn't even know this. We have a picture.

• 1:28:39Speaker 05

  Your girlfriend-ish is much cuter.

• 1:28:42Caleb Hammer?

  Can we ask if she wants to come on camera?

• 1:28:44Speaker 04

  Yeah. Hi girlfriend-ish.

• 1:28:46Speaker 05

  Hi.

• 1:28:47Caleb Hammer?

  This is behind the paywall, just for your knowledge.

• 1:28:50Speaker 05

  Certain things I'm doing that he's not comfortable with.

• 1:28:52Caleb Hammer?

  Are you willing to tell us?

• 1:28:54Speaker 05

  I'm freshly getting into like [BLEEP] having fun and stuff.

• 1:28:59Caleb Hammer?

  You [BLEEP]. That's selfish.

• 1:29:01Speaker 04

  And...

• 1:29:02Caleb Hammer?

  That's a [BLEEP] move, come on. To watch the financial audit post show, click the join button below.

• 1:29:07Speaker 00

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 1:29:20Speaker 01

  Price and participation may vary. Promotion pricing may be lower than meal pricing.