Financial Audit's Biggest Karen

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun *WE GOTTA TALK ABOUT THIS IRS DEBT* - This is absolutly insane, and she refuses to take ANY accountablility... this IRS debt is insane, watch the post show here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:38 Job & Income 03:00 Shes Dumb AND Toxic 05:15 Karen 101 07:27 BANKRUPTCY?? 09:30 Bro Actually Needs To Run 13:00 The Outfit Was A CHOICE 20:50 Hopefully He Watches This Video Tbh 25:00 $9000 TO THE IRS??? 28:30 Calling The Husband 40:40 Why Even Be On The Show??? 46:30 Shoutout Dave Ramsey 49:30 Shes Beyond Privileged 54:20 Chat, Would You Be In A Relationship With Her? 59:00 Amazon Spending 01:01:24 Calling Her Ret*rded? Not Surprised. 01:07:00 Imagine Owing For Tires Of A Car You Don't Have Anymore lol 01:09:10 She Got Fired FOR WHAT 01:12:50 The Chairs Don't Even Look Cute... 01:17:20 Bullsh*t Bullsh*t Bullsh*t AND OVERDRAFTS 01:25:05 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

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

• 1:02Speaker 03

  I am a woman. I deserve to look good and I deserve to do what I want. And I'm entitled to do it.

• 1:07Caleb Hammer?

  What's this attitude of being a woman?

• 1:08Speaker 03

  I'm entitled to what I want and to what I like.

• 1:10Caleb Hammer?

  You are Karen.

• 1:11Speaker 03

  Well, if they need to be destroyed, then I will destroy them.

• 1:15Caleb Hammer?

  I know for a fact this is your second marriage. In the first marriage, the finances were completely separate as well. So maybe we shouldn't head down the same path again.

• 1:23Speaker 03

  Um, maybe it's okay because I can still spend however much money I want and he doesn't have to say anything about it.

• 1:29Caleb Hammer?

  Definitely sounds like you're the [bleep] one, I'll be honest.

• 1:31Speaker 03

  Fuck you.

• 1:33Caleb Hammer?

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• 2:02Speaker 03

  Hi, I'm Emily. I'm 42 years old. I'm from Salt Lake City, Utah. And I'm not Mormon and I'm not a lesbian.

• 2:08Caleb Hammer?

  Oh.

• 2:09Speaker 03

  And this is Financial Audit.

• 2:12Caleb Hammer?

  Well, you could have convinced us on the second one.

• 2:15Speaker 03

  Excuse me?

• 2:16Caleb Hammer?

  Oh, I mean, it's the...

• 2:20Speaker 03

  It's the hair?

• 2:21Caleb Hammer?

  It's the hair. Why? Why? To keep the Mormons away?

• 2:25Speaker 03

  Well, yeah, you got to.

• 2:26Caleb Hammer?

  Okay. First of all, I wasn't actually expecting to bring up lesbianism. I was expected to bring up Mormonism, but I'm glad you brought them both up for me. So I appreciate that. Well, thanks for coming down. What do you do up there for a living? Forty-two, happy birthday, by the way.

• 2:41Speaker 03

  Thank you.

• 2:42Caleb Hammer?

  Your day of birth?

• 2:43Speaker 03

  I am an interior designer.

• 2:45Caleb Hammer?

  Cool. What do you make?

• 2:46Speaker 03

  I make sixty-three thousand a year.

• 2:48Caleb Hammer?

  Dude, Salt Lake's expensive.

• 2:49Speaker 03

  It is.

• 2:51Caleb Hammer?

  Is this alone? Sixty-two?

• 2:55Speaker 03

  That is by myself. I am married, but our finances are totally separate.

• 3:00Caleb Hammer?

  Why? Are you married to a Mormon?

• 3:02Speaker 03

  No.

• 3:04Caleb Hammer?

  To a lesbian?

• 3:05Speaker 03

  Well, he could be considered a lesbian.

• 3:07Caleb Hammer?

  I don't think that's how that works. So why is this separate? How long have you guys been married?

• 3:12Speaker 03

  We've been married for seven years.

• 3:13Caleb Hammer?

  Why are you guys separate?

• 3:14Speaker 03

  Because, I mean, I want to spend my money the way that I want to spend my money, and he might not be on board with that.

• 3:21Caleb Hammer?

  Yeah, but what about like self-goals? Like, or goals that we have as a couple? Goals that we want to get to together? Buying houses?

• 3:31Speaker 03

  We own our home.

• 3:32Caleb Hammer?

  Cars, retirement, all that good stuff, vacations.

• 3:37Speaker 03

  He owns our home.

• 3:39Caleb Hammer?

  I know for a fact this is your second marriage, and in the first marriage, the finances were completely separate as well. So maybe we shouldn't head down the same path again.

• 3:48Speaker 03

  Um, maybe it's okay because I can still spend however much money I want, and he doesn't have to say anything about it.

• 3:53Caleb Hammer?

  Okay, then why the [bleep] are you here if you just want to spend all the money that you want?

• 3:57Speaker 03

  Well, I want to be able to spend the money on my house eventually, so...

• 4:01Caleb Hammer?

  Eventually? You guys don't have a house.

• 4:03Speaker 03

  No, we do have a house.

• 4:04Caleb Hammer?

  You have a house. What is eventually then? What are you saying eventually? Trying to spend money eventually? What's eventually?

• 4:09Speaker 03

  Eventually is in a couple of years when I have enough money to redo it.

• 4:12Caleb Hammer?

  You want to fully redo the house, so you paid to redo the house? But then you guys split the equity in event of a divorce?

• 4:18Speaker 03

  Well, we're not getting divorced, so it'll be fine.

• 4:20Caleb Hammer?

  Yeah, that didn't work the first time.

• 4:22Speaker 03

  Well, he was an asshole. This one's better.

• 4:24Caleb Hammer?

  Is what everyone says until they divorce, and then everyone they divorced was an asshole.

• 4:27Speaker 03

  Well, that's true, I guess, but he's not an asshole. He's great, so it's gonna be fine and

• 4:35Caleb Hammer?

  You have an odd voice. You almost sound like a voice actor or something.

• 4:38Speaker 03

  Really?

• 4:39Caleb Hammer?

  Yeah, doesn't she sound like an actor?

• 4:42Speaker 03

  I am not a voice actor.

• 4:44Caleb Hammer?

  This is just how you sound?

• 4:45Speaker 03

  Yes. Is my voice high?

• 4:48Caleb Hammer?

  Is that what it is? It's weird.

• 4:50Speaker 03

  I don't know, because I don't hear my voice the way you hear it.

• 4:53Caleb Hammer?

  No, this is how you sound. It's how you sound. It's just odd. It just sounds like you're like an actor.

• 4:58Speaker 03

  Never wanted to be an actor.

• 5:02Caleb Hammer?

  So what would happen if you guys were combined? What would happen that you're just so terrified of?

• 5:06Speaker 03

  If we were combined, I probably wouldn't be able to purchase everything that I want. Like my pen collection, my custom perfumes, all my jewelry. So I just kind of have to

• 5:18Caleb Hammer?

  He doesn't buy your shit? He doesn't gift you shit?

• 5:20Speaker 03

  Well, yeah, he gives me

• 5:22Caleb Hammer?

  Is all his debt yours?

• 5:23Speaker 03

  All this debt is mine, yes.

• 5:25Caleb Hammer?

  I'm not seeing his debt. I'm not seeing his finances because it's all separate. Why the fuck are you getting jewelry? Why are you getting jewelry if you have a shit ton of debt and it's all yours?

• 5:33Speaker 03

  Well, because I have to look good. I have to, you know, live it up for my job.

• 5:37Caleb Hammer?

  You got that haircut and you wore that shirt.

• 5:39Speaker 03

  Excuse me. This is very fashionable and my haircut is beautiful, so.

• 5:46Caleb Hammer?

  Yeah, every woman's beautiful. 2026, there's definitely no ugly people out there.

• 5:51Speaker 03

  Oh, there's some ugly people. I'm just not that one of them.

• 5:54Caleb Hammer?

  Okay, you could look fine.

• 5:57Speaker 03

  I do look fine.

• 5:58Caleb Hammer?

  Well, you have like the haircut of a crow. Like it's

• 6:00Speaker 03

  I think it's beautiful, so.

• 6:02Caleb Hammer?

  Right, and the women in the comments will agree, even though it just can't be You're just like, you would shut down an event that is slightly too loud for your ears, Karen.

• 6:14Speaker 03

  Excuse me. No.

• 6:16Caleb Hammer?

  Come on. You show up to the school board meetings.

• 6:18Speaker 03

  Well, if I had a child, yes, I would.

• 6:20Caleb Hammer?

  Ah, HOA queen.

• 6:23Speaker 03

  I love going to the HOA meetings because

• 6:25Caleb Hammer?

  Do you really? Oh.

• 6:26Speaker 03

  I do. It's hilarious.

• 6:28Caleb Hammer?

  Is that why you have such a fake voice? Because you're like a fake person and you just destroy all the lives around you?

• 6:32Speaker 03

  Well, if they need to be destroyed, then I will destroy them.

• 6:35Caleb Hammer?

  Actually.

• 6:36Speaker 03

  Actually.

• 6:37Caleb Hammer?

  Why would someone's life need to be destroyed?

• 6:39Speaker 03

  Well, if they're annoying.

• 6:40Caleb Hammer?

  Just annoyance?

• 6:41Speaker 03

  Why not?

• 6:42Caleb Hammer?

  I mean, I go after people if they come after me, but other than that, I don't just like

• 6:47Caleb Hammer?

  Why, why you just go, actually, you are a Karen. You're Karen chief. Oh my goodness, you're the ultimate Karen.

• 6:53Speaker 03

  I, I mean, if that's your opinion.

• 6:56Caleb Hammer?

  Say you show up to the HOA.

• 6:59Caleb Hammer?

  I don't think any of us do this, but I, uh, I was just, we were just thinking you look like a Karen. But then you actually are with how you do things.

• 7:06Speaker 03

  I don't think so. I mean, if people deserve something, they deserve it.

• 7:09Caleb Hammer?

  If you enjoy going to the HOA and you like destroying people's lives, kind of a Karen.

• 7:15Speaker 03

  That's your opinion.

• 7:16Caleb Hammer?

  That's everyone's opinion.

• 7:18Speaker 03

  Well, they can think what they want.

• 7:20Caleb Hammer?

  Okay. Okay. Well, at least you're wearing the wedding ring. So you guys are just fully keeping the finances separate. You think he's too domineering? He wouldn't let you get that shit? He wouldn't let you get the bronze? Is that what that is? Cause that ain't gold.

• 7:33Speaker 03

  No, these are brass.

• 7:34Caleb Hammer?

  Okay, even better brass. Hmm.

• 7:36Speaker 03

  It's beautiful.

• 7:37Caleb Hammer?

  Yeah, you got a part of a trumpet on your ear.

• 7:41Caleb Hammer?

  So, I mean, maybe you should have him intervene if this is what it results in without his interference.

• 7:47Speaker 03

  Um, I think that I look great, so.

• 7:49Caleb Hammer?

  We've heard that.

• 7:50Speaker 03

  I don't think that he needs to interfere with anything.

• 7:53Caleb Hammer?

  Okay, so that's your big fear if you guys combine? None of the upsides if you guys combine? You're the one that prevents you guys being combined. I'm, I'm taking it based on your language and how you present yourself.

• 8:03Speaker 03

  Well, I mean, I guess we've never really had a full conversation about it, but I'm good being on my own like that, so.

• 8:11Caleb Hammer?

  Full conversation? What does it look like over the last seven years, financial conversations in general then?

• 8:15Speaker 03

  Well, the initial conversation was.

• 8:17Caleb Hammer?

  Oh my goodness, he owns the home. He owns the home. You're not a part of this.

• 8:21Speaker 03

  No, he owns the home.

• 8:22Caleb Hammer?

  He bought the home.

• 8:23Speaker 03

  Yes. Well, because I.

• 8:25Caleb Hammer?

  You moved in.

• 8:26Speaker 03

  Filed for bankruptcy, so we didn't want to put me on that because of the interest rate.

• 8:32Caleb Hammer?

  Yeah, that's someone who should have their finances completely separate. I mean, I guess I would want my finances separate from the crazy lady down the street that keeps getting bankruptcy.

• 8:41Speaker 03

  Keep getting only once.

• 8:43Caleb Hammer?

  Okay, so you're not entitled, you're not on the mortgage. Who knows what's in this? Was there a prenup?

• 8:48Speaker 03

  No.

• 8:49Caleb Hammer?

  He didn't, he didn't make you sign a prenup? You signed, what does he do for work?

• 8:52Speaker 03

  He works in the medical field. He's a medical assistant and he.

• 8:57Caleb Hammer?

  Making what?

• 8:58Speaker 03

  About the same as I am. Sixty-three, sixty-five thousand a year.

• 9:02Caleb Hammer?

  Now, is it, he doesn't trust to combine finances with you, or you don't want to combine finances with him? Which one has it been throughout the years? Let's be honest.

• 9:10Speaker 03

  Okay, I don't want to combine finances with him.

• 9:12Caleb Hammer?

  Listen, I, it would make sense that he wouldn't want to with you because you're you. And I think we're already getting in the first nine minutes, what that looks like. But also,

• 9:23Caleb Hammer?

  I feel like you would almost want to combine finances with him. Like you'd be in a better place. You wouldn't go to bankruptcy and look where you are. Look where you are from bankruptcy. You're from your previous bankruptcy still. You didn't improve yourself at all. You didn't learn anything. You're on financial audit. You're, okay?

• 9:41Speaker 03

  I am not totally, I mean.

• 9:42Caleb Hammer?

  You are totally, okay?

• 9:45Speaker 03

  I, I disagree with you, but.

• 9:48Caleb Hammer?

  Okay.

• 9:49Speaker 03

  I mean, I can come back from this now that I'm making more money. Things are going to be great, so.

• 9:55Caleb Hammer?

  Yeah, honestly, with your household income, though, you guys would have nice eggs. That, that's what I am trying to say. It's a great household income, even in a high cost of living area. You guys do incredibly combined. You start paying off debt. You have an emergency fund. Then you guys can actually live a really luxurious, not like, like crazy luxurious life, but actually a really nice life with lots of nice things, actual nice things. Like you can get gold.

• 10:17Speaker 03

  Um, brass is just like the look, so I don't need gold.

• 10:21Caleb Hammer?

  Look.

• 10:22Speaker 03

  Beautiful.

• 10:23Caleb Hammer?

  Your look.

• 10:23Speaker 03

  My look.

• 10:24Caleb Hammer?

  Your looks, I think you have put them on display for everyone to see, and I'm gonna let that stand as it is.

• 10:30Speaker 03

  Okay.

• 10:32Caleb Hammer?

  Okay, so you think he'd be preventing you from getting into that lifestyle? Getting into those nice things? Cause you guys would pay off that?

• 10:39Speaker 03

  Yes, but he might not agree with me when I want to purchase, let's say, a $10,000 sectional.

• 10:47Speaker 03

  So if our finances are separate and I can pay for it.

• 10:51Caleb Hammer?

  Isn't that what a marriage is about, though? You figure out what is actually, what you guys can compromise on? What is a good, healthy purchase that you guys can agree upon? The fact is, I'm actually kind of concerned for this guy because you're gonna be holding him back. He's gonna have to subsidize your entire retirement, subsidize the house. Do you pay them for the mortgage at all?

• 11:09Speaker 03

  Yes.

• 11:09Caleb Hammer?

  Really?

• 11:10Speaker 03

  Yes.

• 11:11Caleb Hammer?

  Okay.

• 11:14Caleb Hammer?

  What hits your account on a monthly basis?

• 11:16Speaker 03

  On a monthly basis?

• 11:17Caleb Hammer?

  On a monthly basis?

• 11:19Speaker 03

  Four thousand.

• 11:20Caleb Hammer?

  Yeah, by the way, at 42, your retirement's a complete joke, so he will be subsidizing you, absolutely. So you can go blow your money on sectionals. That's why we, we work together as a couple. Why is this the one thing we don't? The thing that affects everything? Money, unfortunately, welcome to not only capitalism, but even communism. It affects everything. It really does. He's gonna be subsidizing you your entire-

• 11:40Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 12:09Caleb Hammer?

  They're alive.

• 12:10Speaker 03

  Well, he can take care of me because he's the husband.

• 12:13Caleb Hammer?

  Okay, is that how we view our relationship? Does he know how much he's going to have to take care of you?

• 12:19Speaker 03

  Well, he wants to, so-

• 12:21Caleb Hammer?

  Yeah, does he want to? Tens of thousands, hundreds of thousands of debt potentially by the time we retire, which is based on your history, bankruptcy. Wants to take care of that? Or just take care of you as in like, yeah, provide for the house?

• 12:32Speaker 03

  Well, he provides for the house, so he-

• 12:34Caleb Hammer?

  No, that's what he thinks. I'm talking about eventually you keep putting this off, you keep fucking around, spending all this money on all this shit.

• 12:43Speaker 03

  It'll be fine.

• 12:43Caleb Hammer?

  How old is he?

• 12:44Speaker 03

  Forty-six.

• 12:47Caleb Hammer?

  So, life insurance?

• 12:49Speaker 03

  Yes.

• 12:50Caleb Hammer?

  And what does that look like? Well, you'll just [bleep] up if you get a big pile of cash.

• 12:55Speaker 03

  I don't know what the life insurance looks like exactly, but I will get money if he passes away.

• 13:01Caleb Hammer?

  Yeah, but enough to, for you to survive, though?

• 13:04Speaker 03

  Enough for me to, I mean, I could pay off the house and just- At least not have that to worry about.

• 13:10Caleb Hammer?

  So $4,000 is what comes in, uh, kind of. It was 3,800. Let's call it four.

• 13:14Speaker 03

  Okay.

• 13:15Caleb Hammer?

  Very good. What was your spending? What was your outflow?

• 13:18Speaker 03

  3,000?

• 13:19Caleb Hammer?

  4,300. So if you keep going down that path and then you need to rely on him for your entire life afterwards, it's not him just putting food on the table, keeping a roof over the head. It's taking care of all your debt because, you know, you would have to settle it if you die and any assets are in your name. Who knows what's gonna happen with the mortgage by the time you guys, you know, maybe you get on the title and whatnot at some point. I don't know. It, the shit gets so complicated with marriage and debt and having to settle debts in order to like protect assets. You're over. Well, you have nothing in retirement, all for your selfish desire to never have to talk about a purchase in a marriage. That's

• 13:54Caleb Hammer?

  you guys are in this together. You guys are in life together. You need to be able to have a conversation together. You just Karen steamrolling over everyone around you, including your husband is an incredibly selfish way to live.

• 14:06Speaker 03

  I just need to have the things that I want.

• 14:08Caleb Hammer?

  I need, no you don't. You don't need. You want the things that you want. Shut the up need. You've never heard of need. You don't know what a need is. You don't know what a

• 14:16Speaker 03

  I know what I need.

• 14:18Caleb Hammer?

  Okay. What do you need? What do you need?

• 14:20Speaker 03

  I need new clothes. I need new shoes.

• 14:22Caleb Hammer?

  That's not need. That's want.

• 14:23Speaker 03

  Well, I mean, I need to look a certain way for my job.

• 14:27Caleb Hammer?

  What's your job? Cause this right, what, what the even is this? I don't even know what this is.

• 14:32Speaker 03

  I'm an interior designer and

• 14:34Caleb Hammer?

  This is interior designing clothes? This is interior designing clothes? I thought you were fucking like 80's Taco Bell. I thought you were the seat people were sitting on.

• 14:43Speaker 03

  Um, excuse me. This is beautiful and fun and vibrant and I like to do fun things.

• 14:51Caleb Hammer?

  Fun? What's fun to you? Dude, you're Karen. You shut down literally loud noises. You like going to HOA meetings. You are not fun. What fun? What, what's the fun? Your fun is telling people that their grade of black grass is slightly too high and finding them. That's your fun. Walking around the neighborhood with it's like binoculars in everyone's yard.

• 15:10Speaker 03

  You want to understand fashion clearly and your new money is so you don't understand.

• 15:15Caleb Hammer?

  Are you old money? You're no money. You're debt. You're bankruptcy. What are you talking about? New money?

• 15:20Speaker 03

  I have certain clientele.

• 15:22Caleb Hammer?

  Oh, shut the

• 15:23Speaker 03

  Expect certain things.

• 15:25Caleb Hammer?

  What? What do they expect?

• 15:27Speaker 03

  People to look a certain way and to have a certain sense of fashion and I

• 15:31Caleb Hammer?

  What? What is that sense?

• 15:33Speaker 03

  I look amazing.

• 15:36Speaker 03

  What is your sense of fashion? Clearly, nothing.

• 15:39Caleb Hammer?

  I think this is okay.

• 15:41Speaker 03

  I mean, okay.

• 15:42Caleb Hammer?

  It's okay. I mean, I'm not go- but I'm not saying I look incredible. You are. Is there, is there someone with a fashion sense here? Who? Who's our fashion? Like, our fashion aficionado?

• 15:56Caleb Hammer?

  Okay, can we call in our favorite Mexican Josh? Uh, I need him to suss you out because what the [bleep] are you talking about, dude? I don't think it- if this is what they're doing in Utah.

• 16:05Speaker 03

  No, people in Utah are... no. They don't know what they're doing.

• 16:09Caleb Hammer?

  Brandon said you look like an Easter egg.

• 16:13Speaker 03

  An Easter egg?

• 16:16Speaker 03

  I mean, I can see it, but a sexy Easter egg?

• 16:21Caleb Hammer?

  Okay.

• 16:23Speaker 03

  I am a woman. I deserve to look good and I deserve to do what I want and I'm entitled to do it.

• 16:28Caleb Hammer?

  Being a woman? You deserve to look good. Everyone deserves to look good. Whether or not you do has nothing to do with your gender. You don't look good. And you don't, you're not entitled to looking good because you're a woman. Shut the [bleep] with that. What is that? Some 2016 bullshit? No. You're a woman. Congratulations. Yippee. You're equal to me. Yippee. That's what we try to do in this world, by the way, instead of putting you on a weird pedestal, by the way. Uh, and number two. I'm entitled to looking good. It's just like, however you present yourself is however you present yourself. And then you look good or don't. I don't know. Josh, come on over, our favorite Mexican. Uh, she's a-

• 17:07Speaker 03

  Hi, Josh. Nice to meet you.

• 17:09Caleb Hammer?

  Now, let's see if Josh is willing to be real or if he is going to just be nice for the sake of nice. Here's the thing. She's an interior designer and she says they expect a certain thing, her clients, and that is high fashion and looking really nice. And, uh, this is what she looks like, so please.

• 17:24Speaker 04

  Well, I think-

• 17:25Caleb Hammer?

  Uh, evaluate.

• 17:26Speaker 04

  I think you look great.

• 17:27Caleb Hammer?

  Oh.

• 17:27Speaker 04

  Uh, no, look, I think whenever you have, you have someone coming in, you, you probably have a specific clientele that's looking for your type of work.

• 17:34Caleb Hammer?

  What is this clientele?

• 17:35Speaker 04

  It's probably wants something a little bit more vibrant, a little, maybe a little exotic. Maybe the type, the Miami type.

• 17:42Caleb Hammer?

  Okay, she's in Salt Lake City.

• 17:43Speaker 04

  Oh. I would imagine, okay, I would imagine maybe something a little bit more vanilla. A little bit more like beige.

• 17:52Speaker 03

  Okay.

• 17:53Speaker 04

  You know what I mean?

• 17:53Speaker 03

  The majority of people in Utah are a little bit more vanilla and beige, but my clientele is the higher end clientele. They do want specific looks.

• 18:01Caleb Hammer?

  Doesn't she sound fake? Doesn't that sound like a boy actor?

• 18:03Speaker 04

  So I'm looking at UGC creators right now and you would be a good fit.

• 18:09Speaker 04

  Not a bad thing. You have the ability to sell.

• 18:12Caleb Hammer?

  What about the literal Karen haircut? She will destroy someone's life.

• 18:16Speaker 04

  It's not a, it's not a traditional Karen haircut.

• 18:19Speaker 03

  See, it's not traditional.

• 18:21Caleb Hammer?

  What is Josh saying?

• 18:22Speaker 04

  Karen haircut is John and Kate plus eight. You remember Kate?

• 18:25Speaker 03

  Yes.

• 18:25Speaker 04

  Yes? Like this soccer mom?

• 18:28Speaker 03

  That's like way more A-line, short in the back, cootie.

• 18:32Caleb Hammer?

  Of course, your brain always goes back to soccer.

• 18:33Speaker 04

  No, John and Kate.

• 18:34Caleb Hammer?

  Fucking get out of here.

• 18:35Speaker 04

  Caleb, what's your fashion sense like?

• 18:37Caleb Hammer?

  I don't know. This, for now. I'm evolving.

• 18:42Speaker 03

  Like he just got out of bed?

• 18:43Speaker 04

  We can all work on our own things.

• 18:44Caleb Hammer?

  We're all working on our own things.

• 18:45Speaker 04

  Yeah.

• 18:45Caleb Hammer?

  Is this bad?

• 18:46Speaker 04

  No, I remember how you used to dress.

• 18:48Caleb Hammer?

  Exactly. That's what I'm saying.

• 18:50Speaker 04

  Like.

• 18:50Caleb Hammer?

  I do. Cut back to an old episode. Okay. Well, I mean, I can tell you where it's going right now. And to answer the question that I asked you again, 2072 came in.

• 18:59Speaker 04

  You've done 300% improvement.

• 19:02Caleb Hammer?

  Mm-hmm. Who's better here? On the current wear?

• 19:09Speaker 03

  Check out my shoes.

• 19:10Caleb Hammer?

  These were 600 apiece.

• 19:13Speaker 04

  I do like your shoes.

• 19:14Caleb Hammer?

  Yeah.

• 19:14Speaker 04

  You're doing something right. I, I think the whole. Yeah?

• 19:20Speaker 03

  Excuse me? These ones are much better.

• 19:23Speaker 04

  They are kind of cool. I see the vibe. Caleb, you're doing a good thing.

• 19:29Caleb Hammer?

  Who's better?

• 19:31Speaker 04

  In terms of what though?

• 19:33Caleb Hammer?

  Fashion!

• 19:34Speaker 04

  I like how she's representing her personality through her fashion.

• 19:37Caleb Hammer?

  Go play your soccer. Go play your soccer.

• 19:39Speaker 04

  Bye Caleb.

• 19:39Caleb Hammer?

  Yeah, go fuck yourself.

• 19:41Speaker 03

  Thank you.

• 19:42Caleb Hammer?

  Wait, Lindsay's telling me right now that he doesn't trust you to combine finances. Why'd you say earlier that it was you not wanting to combine finances? She's saying specifically he doesn't want to.

• 19:52Speaker 03

  Well, I mean, I think it's both.

• 19:55Caleb Hammer?

  Oh bullshit, bullshit, bullshit, trying to look good right now. She says from all the pre-interview shit, it's him.

• 20:02Speaker 03

  I mean, maybe it's him that he doesn't.

• 20:04Caleb Hammer?

  Why?

• 20:05Speaker 03

  Why? Well, because, I mean, he had to pay for my bankruptcy when we first got together.

• 20:10Caleb Hammer?

  What? Right when you immediately got together, this dude, for. Hmm, he's not a wealthy man, is he? That's why, okay, I understand. I get it, okay. He didn't, okay.

• 20:20Speaker 03

  He just loves me.

• 20:21Caleb Hammer?

  Gotcha, yes, it must be love, it has to be love.

• 20:24Speaker 03

  It's love.

• 20:24Caleb Hammer?

  Uh, there was, cause it's, he certainly wasn't simping. I, I wouldn't, I wouldn't get it, I wouldn't understand. Let me see what this man looks like. He won't be on screen. I just need to see what this guy looks like. There has to be something going on here. Hey, am I reading this weird? Is this just me? Am I? I don't think I'm that. Am I not that guy?

• 20:45Speaker 03

  There we are together.

• 20:47Caleb Hammer?

  Oh.

• 20:48Speaker 03

  For his birthday.

• 20:50Caleb Hammer?

  Oh, you're both weird. Oh, he's tattooed everywhere.

• 20:53Speaker 03

  He is.

• 20:54Caleb Hammer?

  And he's rocking that, uh, 2012 hipster mustache. Yeah.

• 20:59Speaker 03

  I told him to grow that mustache and he did it for me.

• 21:03Caleb Hammer?

  Oh shit, why is he simping? I'm confused. He actually looks like he could pull some weight. And I don't mean that literally, cause obviously he is already doing that. But, I mean, weight outside of, better looking, okay. So he had to pay for it immediately when you guys met?

• 21:19Speaker 03

  Well, within like six months, I think.

• 21:22Caleb Hammer?

  That's crazy. That's thousands, no?

• 21:25Speaker 03

  Um, I think a couple thousand.

• 21:27Caleb Hammer?

  Well, I think that it's fair that he would refuse to combine finances with you. Not that you're necessarily advocating for it, cause you wanna be reckless with no punishment whatsoever. No responsibility, no accountability at all.

• 21:43Speaker 03

  There is accountability, I mean, at least I get him gifts too.

• 21:49Caleb Hammer?

  A, a little gift here and there is not gonna make or break life. I don't know what a gift is. I mean, you're talking about, what did he say? You wanna spend 10,000 and remodel 20,000? Like, that's not a gift, you know? That's different. So, a, a little notebook or a little cute thing is not, uh, bringing flowers home isn't gonna make or break someone's life. Especially in your guys' financial situation, if you guys weren't completely. Already, which at least you are. I don't know if he is. This isn't about him, but it is about the current situation you see yourself in. But you, you told the producer that you do not ask him about his finances because you're afraid of him asking about yours. You're just trying to hide. You're just trying to skate by and just hope nothing happens. Skirt by whatever it is. And then he's gonna bail you out. Dude, you have a few thousand dollars in retirement. That is going

• 22:34Caleb Hammer?

  to hurt him, him not knowing. Cause what the is the future gonna look like? What is it gonna look like? You only have a few thousand dollars. You just turned 42 today. Again, congratulations on that one.

• 22:44Speaker 03

  Thank you.

• 22:45Caleb Hammer?

  Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Yrefi comes in. Yrefi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans. So you're only paying

• 23:28Caleb Hammer?

  interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a cold borrower, release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Yrefi. Head to yrefy.com/hammer. That is Y R E F Y dot com slash hammer or call 888-YREFI78. That is 888-YREFI78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one,

• 24:09Caleb Hammer?

  YNAB, but everyone just deletes it because it's way too complicated to use. So you go to Every Dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far.

• 24:36Caleb Hammer?

  track record when it comes to private data. That's why I like Dollar Wise. They'll play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below. Like him not knowing that and knowing your entire debt situation, which is substantially larger than your retirement is actually really scary. And it is selfish of you to just sit here and pretend like you get to prioritize anything you want instead of actually being able to pull a weight.

• 25:08Speaker 03

  I am far from selfish. I'm far from selfish. I'm so.

• 25:11Caleb Hammer?

  You are in this relationship financially. In this relationship financially, you are selfish. You have no retirement yet. You want to spend on a renovation that you want.

• 25:19Speaker 03

  I have a little bit of retirement.

• 25:21Caleb Hammer?

  I said a few thousand dollars at 42 is nothing. Shut the up. It's practically nothing. That compound growth by the time two decades from now is going to be nothing. Social Security, good luck. It's going to be pennies on the dollar.

• 25:33Speaker 03

  Well, who knows? I might be dead by then.

• 25:35Caleb Hammer?

  If he's lucky, but outside of that, it's just you holding him down. You're the weight. You're the anchor in a bad way. You're not letting his shit move forward.

• 25:44Speaker 03

  I disagree.

• 25:46Caleb Hammer?

  You disagree. What's your argument? You disagree.

• 25:48Speaker 03

  Be able to make up more money and I'll be able to get it.

• 25:50Caleb Hammer?

  How do you make up more money? What does this make more money? Cause that if that was, if that was actually how things would work. Seven years ago and you went through bankruptcy, it wouldn't be tens of thousands of dollars of bad debt.

• 26:01Speaker 03

  Tens of thousands?

• 26:02Caleb Hammer?

  Tens of thousands asshole. How much debt do you think you have?

• 26:06Speaker 03

  Like maybe 18,000.

• 26:09Caleb Hammer?

  Okay, it's 33,767 dollars and 23 cents. You have no idea what you're talking about. Shut the fuck up. You'll be taking that shit that's not forgivable, like student loans, by the way, too, which is a few thousand dollars alone. Like, good luck. That's not going to be brain corruption. Nine thousand dollars in IRS debt. Wait, what the nine thousand? What are you doing? Oh, my.

• 26:30Caleb Hammer?

  This poor guy. And what, what's his insight into this? It can't be much because you didn't even know your number. He said 13,000?

• 26:37Speaker 03

  I said 18.

• 26:38Caleb Hammer?

  Okay. So you wouldn't be able to answer a question truthfully, even if he did ask, even though you're trying to prevent him from asking. Oh, he should be here. He should be here. We need to send this directly to him when this is uploaded. He needs to know that he is in a precarious situation.

• 26:52Speaker 03

  He doesn't need to watch this episode.

• 26:53Caleb Hammer?

  He actually very much needs to watch this episode.

• 26:56Speaker 03

  No.

• 26:57Caleb Hammer?

  Yes.

• 26:58Speaker 03

  Everything is going to work out.

• 27:00Caleb Hammer?

  Call him.

• 27:01Speaker 03

  You want me to call him?

• 27:02Caleb Hammer?

  Call him.

• 27:05Caleb Hammer?

  Oh, 200,000 hours in a renovation, not 10. What the [__] am I saying? 200,000? You literally have 7,000 in retirement. What a joke when you have over 30,000. You have more in IRS debt than you have in retirement.

• 27:17Speaker 03

  Well, that is not my fault.

• 27:19Caleb Hammer?

  Well, I'm sure we'll get there. I'm sure it absolutely [__] was.

• 27:32Speaker 03

  The patient.

• 27:34Caleb Hammer?

  Cancel that.

• 27:37Caleb Hammer?

  Off.

• 27:39Caleb Hammer?

  What do I do? Will he call us back?

• 27:41Speaker 03

  Yes.

• 27:42Caleb Hammer?

  Okay. All right. He's gonna call us back because he's in the middle of a medical thing, which I don't like when people die. So I think you should make sure they stay alive.

• 27:51Speaker 03

  Yes.

• 27:52Caleb Hammer?

  So you endlessly have been nothing but irresponsible and you're taking him fully down with you and you did not change. Why did you not change or learn about anything from your previous bankruptcy seven years ago? Because look where you are. You didn't even know your debt situation and you spend more than you make today, today, today, right now, happening here.

• 28:13Speaker 03

  Well, I need to have certain things, like I said.

• 28:16Caleb Hammer?

  Okay, well, stop with that shit. I'm asking, stop with that shit. I am asking why you did not change your behavior. You went through bankruptcy. It's because you didn't pay for it. It's because you faced no consequences. He went and bought a house. You get to live in.

• 28:29Speaker 00

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• 28:58Caleb Hammer?

  A nice house now. He went and takes care of everything. It's because you didn't have to deal with anything. You're an immature little brat.

• 29:05Speaker 03

  I am not. I-

• 29:06Caleb Hammer?

  You are. Absolutely. You didn't have to deal with the consequences of all of your bankruptcy. You didn't even pay for your own bankruptcy. He did. You're entitled your entire life.

• 29:14Speaker 03

  I'm entitled. I'm entitled to what I want and to what I like.

• 29:18Caleb Hammer?

  But you shouldn't be. That's horrendous. How long were you single in between your divorce and this new man?

• 29:22Speaker 03

  Two years.

• 29:24Caleb Hammer?

  How'd those go? Well, obviously that led to a bankruptcy.

• 29:28Speaker 03

  Yes.

• 29:29Caleb Hammer?

  Sick. Oh, guys, are we getting the picture now? Are we getting the picture from Karen Beast?

• 29:33Speaker 03

  Well, I-

• 29:35Caleb Hammer?

  Oh, I get it. So the man took care of you your entire life. Parents, daddy, then man. Then the one moment you were alone for two whole years, you accumulated so much, so much debt and shit to sustain your lifestyle that you thought you were entitled to, but you were no longer being enabled, that you ended up in a financial situation where you had no way out other than bankruptcy. And then a guy came in, enabled you again, fed into your entitlement, and didn't even allow you to face any consequences or any bruises from your bankruptcy, meaning you learned nothing and you're doing it for the third time

• 30:16Caleb Hammer?

  all over again. Second relationship, and then one where you're single, going through bankruptcy. I see the picture now. You have literally, and I still don't know how I'm not seeing it, but-

• 30:30Speaker 03

  Okay.

• 30:30Caleb Hammer?

  Let's talk to him. Mister-

• 30:34Speaker 05

  Hello, how are you today, sir?

• 30:35Caleb Hammer?

  Hi, thank you for keeping that patient alive for everyone.

• 30:39Speaker 05

  Ah, anytime. Sorry that took so long.

• 30:41Caleb Hammer?

  So, why did you bail her out? Right when you guys met by taking care of this bankruptcy, allowing her to experience any kind of difficulties whatsoever from her previous mistakes?

• 30:53Speaker 05

  Uh, reason why I did the bankruptcy, or why we paid for the bankruptcy?

• 30:57Caleb Hammer?

  You did. You bailed her out. The, the, the ex-husband was fully taking care of her, supporting her and enabling her, um, entitlements. And then the two years that she was on her own in between, she loaded up her debt so bad because of her feeling of entitled to a certain lifestyle that you came in and bailed her out, and now she's building it all back again because she learned nothing. Why would you do that?

• 31:21Speaker 05

  Because we were buying a house, and if we would have bought the house while we were married- Basically, they would have looked at the bankruptcy and back, oh, well, you could refinance on this loan. Or it would have given us a worse interest, right, than we would what we already had.

• 31:37Caleb Hammer?

  Yeah, but why'd you pay for the bankruptcy?

• 31:39Speaker 05

  That's a good question.

• 31:41Caleb Hammer?

  You bailed her out immediately, six months into this relationship.

• 31:44Speaker 05

  That wasn't six months.

• 31:45Caleb Hammer?

  That's what she said.

• 31:46Speaker 05

  No, we were.

• 31:49Speaker 05

  When was that? That was September of nineteen?

• 31:55Speaker 05

  If my memory serves you right.

• 31:56Caleb Hammer?

  So is that a year into the relationship?

• 31:58Speaker 03

  About a year then.

• 32:00Speaker 05

  Yeah, about a year and a half.

• 32:01Caleb Hammer?

  Even still, dating someone for a year, paying for their bankruptcy is pretty intense. That's quick moving. And also, when she was building up all this debt and everything.

• 32:13Caleb Hammer?

  She was living in her brother's basement. It's not like she could use the excuse of, oh, no, she lost her man or whatever, meaning she lost her roof. No, she had a free place to live in a basement and she still fucked it all up and got bailed out. I feel like with her. We're just enabling, no? Because look where she is today.

• 32:33Speaker 05

  Yeah.

• 32:34Caleb Hammer?

  Are you okay with it? What are we simping for? We're simping for something.

• 32:38Speaker 05

  Well, here's the thing. Right? I've always, I've always told her to begin with, as long as we pay the mortgage and as long as the bills are paid. She could do whatever she wants.

• 32:49Caleb Hammer?

  What?

• 32:50Speaker 05

  Which one would suspect there would be some self restraint there, some.

• 32:56Caleb Hammer?

  What? When you say you can do whatever we want, as long as we take care of the bill, where would that lead to any self restraint? That actually sounds like the opposite.

• 33:03Speaker 05

  Well.

• 33:06Speaker 05

  Yeah.

• 33:08Caleb Hammer?

  Um. Mr. Jack. How much debt do you think she has?

• 33:14Speaker 05

  Well, I know. Well, she owes four she owes on the car.

• 33:19Speaker 05

  But other than that, I don't know.

• 33:21Caleb Hammer?

  Okay, so what would you just guess, gut?

• 33:25Speaker 05

  Hmm.

• 33:28Speaker 05

  Ten thousand dollars?

• 33:29Caleb Hammer?

  Dude, you're carrying her to her fucking grave because she's never gonna be able to contribute to this house when you guys retire. She has thirty-three thousand, seven hundred and sixty-seven dollars and twenty-three cents of bad debt, including IRS debt. And also, what do you think's in her retirement? Because you guys need to be able to retire together. It can't just be you. What do you think's in her retirement?

• 33:50Speaker 05

  Oh, right now, probably nothing.

• 33:51Caleb Hammer?

  Yeah, it's a few thousand bucks. She has more in IRS debt than retirement. Meaning, because of this, an absolute enablement and no consequences for her actions and no learning from her previous mistakes, because of that, she is gonna be like little cracks in a sinking ship because you guys are headed towards retirement. How are you gonna be able to keep this ship afloat? How are you going to be able to do that? How are you gonna be able to take care of this household in retirement in a couple decades? Because it doesn't make any sense. She's literally making it so she can not only contribute nothing, but will have liabilities hanging over her head.

• 34:32Speaker 05

  That's a damn good question. I didn't realize she was in that much debt.

• 34:35Caleb Hammer?

  Dude, I know you love her. I'm not saying there's no love here. There has to be something, because I'm saying, there has to be something. And I'm assuming that is love. But dude, love cannot blind you from reality. And this Karen is literally, literally holding this marriage down, not letting it go to any towards, any semblance of financial success. Just paying our mortgage alone is not an indicator of good finances. It's not. It's the whole picture. And she's blowing all the money. She wants to spend two hundred thousand dollars renovating this house.

• 35:14Speaker 05

  Yeah, I think that's garbage.

• 35:16Caleb Hammer?

  Yeah, that is garbage. Tell me about it. Tell me how these conversations have gone, because I don't know how she's financing that.

• 35:21Speaker 05

  Exactly. She has these, well, she has these ideas about what she wants to do for the house, but then she says, oh, but this is five, 10 years down the road.

• 35:32Caleb Hammer?

  But five, 10 years down the road from the previous bankruptcy is $32,000 in bad debt, spending more than she makes a month by hundreds of dollars and having nothing in retirement. So where in the next five to 10 years is she gonna have $200,000 for this house?

• 35:48Speaker 05

  Exactly. When she starts talking about it, I commend her for the ideas because it's good to have dreams. It's good to have imagination, you know? It really is. And maybe we might be able to do it, maybe we won't be able to do it, you know?

• 36:05Caleb Hammer?

  You think you might just be too passive? Because I think this is why she's kind of uncontrollable right now.

• 36:10Speaker 05

  Maybe.

• 36:11Caleb Hammer?

  Loving doesn't mean enabling bad behavior. I know you love. No one is questioning the love here. We really aren't. And I am not questioning for a single second that she loves you. That doesn't mean we just roll over and we be passive to bad behavior, especially if it might [bleep] the relationship. Finances are one of the leading causes of her divorce in this country. We already know she's able to go through divorces.

• 36:38Caleb Hammer?

  I want your guys' marriage to work. That means the finances need to work within this marriage and just rolling over and say, "That's a good idea and that's a good dream." Well, that's allowing her to accept that maybe it actually is a possibility in five years, but there's no chance. 200,000 dollars into a renovation when she has almost zero dollars in retirement at 42 is not a thing that's even remotely acceptable. She needs to get to a couple hundred thousand dollars today in retirement.

• 37:03Speaker 05

  Mm-hmm. No, I agree with you.

• 37:06Caleb Hammer?

  So we can't just roll over? We can't!

• 37:11Caleb Hammer?

  Do you stand up in this relationship financially? Do you stand up ever?

• 37:16Speaker 05

  Yes, I do.

• 37:17Caleb Hammer?

  What does that look like when you stand up?

• 37:19Speaker 05

  It turns into a fight.

• 37:21Caleb Hammer?

  Tell me. Tell me. Give me like an example of what that looks like. I want some insight.

• 37:26Speaker 05

  Um, when was the last time that we fought? It's been a little while.

• 37:30Caleb Hammer?

  Is it because you guys put it off because you know it turns into a fight, so we just allow things to happen?

• 37:35Speaker 05

  No. No, there was one fight last year about finances because she took a financial freedom class that was offered through our church. And about how paying off...

• 37:49Speaker 05

  Go ahead.

• 37:50Caleb Hammer?

  No, no, sorry. Continue.

• 37:52Speaker 05

  And it was about paying off debt as quickly as possible.

• 37:56Caleb Hammer?

  Sounds like Ramsey's program, right? Sounds like, yeah, okay. So she's a David Ramses fan. Okay, we love that because that's usually offered through churches. She certainly hasn't followed that, looking at these. Listen, that's actually a pretty good program. That's, that's not invalid expenditure if it actually improves life. Same with our educational programs. There's, there's good things out there, but you got angry at that?

• 38:18Speaker 05

  Well, there was one day that she wanted me to drain the savings account to pay off debt. And I said, absolutely not.

• 38:26Caleb Hammer?

  Probably down to a thousand dollars?

• 38:28Speaker 05

  Exactly. And because that's, that's not just our money as well, but it's also kind of a rainy day fund. If one of the cars breaks, if one of the dogs needs to go, that'd be emergency surgery. If there's something with the house that our house warranty doesn't cover.

• 38:47Caleb Hammer?

  And this is why you guys having separate finances and not communicating on what the whole financial picture of the house is, did not work. It failed because she wanted to go nuclear in a full direction without even having a conversation with you first. Dave Ramsey's program, our financial program, anyone's financial program does not work unless you guys are fully aligned, hand in hand, ready to go into battle. But you weren't aligned at all. You didn't hear the messaging, the preaching about the thousand dollars and all this stuff. And I disagree with that as well. I don't think that's enough. I think you need a one month emergency fund or highest deductible. But either way.

• 39:24Speaker 05

  I agree with you there as well.

• 39:25Caleb Hammer?

  But either way, she, she can't crusade into this without you. It doesn't work like that. You guys have to be on the same page, which means you guys actually need to talk in a healthy way about finances. You need to know what her finances look like. She needs to know what her finances look like. She needs to know what your finances look like. And you need to know what yours look like. And we need to know what the household looks like. And we need to get on goals together. Are you afraid of combining because of her bankruptcy?

• 39:51Speaker 05

  No, I'm, I'm afraid of combining because of her spending.

• 39:54Caleb Hammer?

  Yeah.

• 39:55Speaker 05

  Because if we had a combined bank account, we would be leaving paycheck to pay.

• 40:01Caleb Hammer?

  Rebuttal?

• 40:01Speaker 03

  Um, that is not the case. I think that I could, I can, you know, rate in my spending sometimes.

• 40:16Caleb Hammer?

  She says she can rein in her spending sometimes. It doesn't necessarily make me feel comfortable for combining finances. Oh, she can sometimes rein in her spending.

• 40:28Caleb Hammer?

  Okay, I would understand not wanting to combine as well, but here's the thing. If we, if we're married and we're headed for the rest of life together, we need to find a way to, it doesn't, people can do the uncombined, but I think your guys is uncombined going in separate directions without talking is doing a disservice to you guys. Because you guys are flailing in different directions and she's just, again, making all these cracks in the ship of the marriage financially speaking.

• 40:57Caleb Hammer?

  So even if you guys don't fully combine accounts, would, Jack, would you be open to at least combining the conversation of here's the entire financial picture of our household and here's the goals we want to do together and here's what we can agree upon and middle grounding to get to those goals?

• 41:13Speaker 05

  Oh, absolutely.

• 41:14Caleb Hammer?

  Okay, good, because I think that's how your marriage remains financially healthy going forward.

• 41:21Caleb Hammer?

  Okay, any final thoughts on this before we let you go?

• 41:25Speaker 05

  No, I just gotta get back to my patients.

• 41:27Caleb Hammer?

  Yeah, stick a needle in them.

• 41:29Speaker 05

  I shall.

• 41:33Caleb Hammer?

  Thoughts on all that? Definitely sounds like you're the [__] one, I'll be honest.

• 41:37Speaker 03

  Well, my thoughts are it'll be fine, like I said, and he, he's gonna be great.

• 41:45Caleb Hammer?

  It's going to be fine. How? You've gone through bankruptcy before and never learned anything and this is what it's resulted in, it's gonna be fine? I would like to hear an argument of how.

• 41:54Speaker 03

  An argument of how I can stop spending some of my money.

• 41:58Caleb Hammer?

  Good, that sounds great.

• 41:59Speaker 03

  I can start saving.

• 41:59Caleb Hammer?

  Why didn't you? And why didn't you? If you can, why didn't you? If you went through Ramsith's program last fall, well, these statements would look very different, I'll be honest. So if you could, why haven't you?

• 42:13Speaker 03

  Because I still like to buy things.

• 42:16Caleb Hammer?

  Oh, very good. That's not changing when you leave this room. There's not a magical spell that happens when you leave the financial audit studio that says, oh, I don't like to buy the things I like to buy anymore.

• 42:26Speaker 03

  Well, I, I can change.

• 42:29Caleb Hammer?

  Then why haven't you would be the question that I would follow up with and now have.

• 42:36Speaker 03

  I guess I haven't changed yet because I don't want to.

• 42:38Caleb Hammer?

  And why the are you here?

• 42:41Speaker 03

  Well, we'll see if I want to.

• 42:43Caleb Hammer?

  What? I'm gonna waste my time? Why the would I give a shit to see if you want to? I want to help people when they want to be helped, but to see if you want to you. You.

• 42:53Speaker 03

  You.

• 42:55Caleb Hammer?

  What do you mean me? What me for what? I didn't do anything.

• 42:59Speaker 03

  Okay, I do want to change. I want to renovate my house.

• 43:04Caleb Hammer?

  No, you need 200,000 hours in retirement at your age before you even contribute a single cent to renovation. What are you trying to do renovation?

• 43:11Speaker 03

  What am I trying to do?

• 43:13Caleb Hammer?

  That was the question, Karen.

• 43:15Speaker 03

  Okay, I want to redo the floors. I want to put in a new kitchen. I want to do update my bathroom.

• 43:21Caleb Hammer?

  How outdated is your house?

• 43:23Speaker 03

  It was built in 68 and it still has a lot of the original stuff. So, yeah.

• 43:30Caleb Hammer?

  1968?

• 43:31Speaker 03

  Yes.

• 43:31Caleb Hammer?

  Okay, I would understand wanting to renovate.

• 43:35Caleb Hammer?

  Doesn't mean you can or it makes sense to, especially if you're not even on the title.

• 43:40Speaker 03

  Well, I'll get my name on there.

• 43:42Caleb Hammer?

  Okay, what do you think your financial score is? Zero to 10, zero being the absolute worst, 10 being the absolute best.

• 43:47Speaker 03

  My financial score is four.

• 43:50Caleb Hammer?

  Okay, okay. Yeah, sure. Mm hmm. Well, that's in bankruptcy. Sure. Thank you. If you want your hammer financial score, see where you stand, take the quiz, take the assessment. It is free and it just takes a few minutes at Calebhammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing good and how you compare against other people. It is awesome. And if you don't want to be like a guest who ends up on the show, make sure you download the new and improved Dollar Wise Budgeting App. It is absolutely incredible. It is everything you'd ever need and want in a budgeting app. It ain't all that extra shit like YNAB where it's impossible to get through their onboarding or Dave Ramsey's app where they force you to do what they want to do instead of it being a personal financial situation for you. Rocket Mortgage or Rocket Money where they probably want to send you, sell you a mortgage.

• 44:31Caleb Hammer?

  Or even like Monarch has raised almost a billion dollars in private equity funding. You know what private equity likes? Private information. So this is a budgeting app built by people like you, for people like you. So check it out, dollarwise.app, link in the description below. Start your free trial, see if you like it.

• 44:49Caleb Hammer?

  Let's start with these finances. Mission Lane, what's going on?

• 44:52Speaker 03

  Um, Mission Lane, that is maxed out.

• 44:55Caleb Hammer?

  Yeah, it is. It's over maxed out. Why? What?

• 44:58Speaker 00

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• 45:27Caleb Hammer?

  What the is happening? Well, it's so much. I'm getting better. I went through damn Ramsey's program. Fuck you. Fuck you.

• 45:34Speaker 03

  It's gonna be fine, like I said.

• 45:37Caleb Hammer?

  So when David sees this, what does he think? Wow, that's one of my financial gazelles right there.

• 45:43Speaker 03

  Um, I'm starting to pay that down.

• 45:46Caleb Hammer?

  No, I have this statement. Fuck you. Um, no.

• 45:51Speaker 03

  Yes.

• 45:52Caleb Hammer?

  No. Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise Annual, you'll get my four course educational bundle as a special bonus. So you can get financially ripped while you track your money. And normally this would cost over $700, by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four bestselling courses. Oh, and you'll also get a free copy of my budget friendly cookbook PDF to download. So you can also get your body in shape, too. Don't wait until your first vacation

• 46:37Caleb Hammer?

  to try to get your finances together. Go to dollarwise.com or click that link in the description below. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. It's at a $4,571.05. That is over the limit. You don't know what the you're talking about. How long does this take to pay off if you only make your minimum monthly payments,

• 47:22Caleb Hammer?

  which you only made your minimum monthly payment and you don't spend? I just saw you look at the number, so you probably know, cheater. Did you see the number?

• 47:31Speaker 03

  I didn't see the number.

• 47:32Caleb Hammer?

  How long does it take?

• 47:33Speaker 03

  Three years?

• 47:34Caleb Hammer?

  Okay, dude. Is this because you've never had to think in your life? The guy just takes care of everything? You're sexist. Making me be sexist, that's not fair. 20 years?

• 47:48Speaker 03

  Oh, okay.

• 47:49Caleb Hammer?

  Oh, yeah, that's when you're supposed to be retiring, by the way.

• 47:51Speaker 03

  Yes.

• 47:52Caleb Hammer?

  And you'll only be stirring to pay off of this one card. And you know why? It's because you've never paid off your debt before. Bankruptcy did, a man did, and a man did again. And a man will do, because honestly, he sounds like a pushover. Sounds like a nice guy, but he sounds like a little pussy pushover, okay? This 2016 barista mustache for you.

• 48:11Speaker 03

  Yes, and it looks great.

• 48:13Caleb Hammer?

  Yeah, a decade ago, I'm sure it does. A decade ago. If that's what your style is, decades ago, then please don't be renovating any of my houses soon.

• 48:23Speaker 03

  I have amazing style, like we've discussed.

• 48:28Caleb Hammer?

  Uh huh. Somehow Josh agreed with you. So, yeah, he'll probably pay off your debt, and you will have learned nothing again. And that's honestly likely the outcome of this conversation. Because, well, you didn't walk away from Dave Ramses with anything.

• 48:42Speaker 03

  I mean, I listened to what they said.

• 48:45Caleb Hammer?

  And then you're like, hey babe, let's pay off all the debt and with our savings, and by our savings, his savings. So you wanted to drain his savings down to pay your debt. It's...

• 48:58Caleb Hammer?

  It's stupid. It makes no sense, which also I wouldn't even recommend doing. I don't know what Dave, I haven't listened to Dave in a hot second. But if David doesn't say you have to change your behavior from pulling from all your savings first, then he's wrong because we've seen time and time again, if you don't change your behavior before you take a fast track, you're going to get right back where you were again. Debt consolidation, credit card transfer, bankruptcy, you name it. That's exactly what you've done. So I'm glad your husband didn't do that. I'm glad he didn't do that. How much was in savings that you tried to pull?

• 49:31Speaker 03

  Um, a few thousand.

• 49:32Caleb Hammer?

  From his savings? No, how much? Come on.

• 49:34Speaker 03

  I don't know.

• 49:35Caleb Hammer?

  Oh, you, what's the point? You don't, a few months ago, you don't remember. And then you did nothing except for keep this over the credit limit somehow. You must have been purchasing just recently. And then $169 minimum payment, you're only making the minimum payments and this takes 20 years. You'll be 62 and this card will be gone. What is wrong with you? What is wrong with you, dude?

• 49:56Speaker 03

  There is nothing wrong with me. I-

• 49:58Caleb Hammer?

  Oh, bullshit. Come on. Let's not, let's not play pretend. Let's not say things we don't mean. Need things you don't know. What did you get? Sure. What did you spend in here?

• 50:10Speaker 03

  Um, I think I got some new clothes, some new shoes.

• 50:13Caleb Hammer?

  That's our need. That's our need. That's our need?

• 50:16Speaker 03

  Yes, I needed it. We had a party for work and I needed a new outfit.

• 50:20Caleb Hammer?

  What, what would have happened if you didn't show up with a new outfit?

• 50:23Speaker 03

  Embarrassment.

• 50:24Caleb Hammer?

  How?

• 50:26Speaker 03

  I needed to look really good. It was a big special event and we had a big open house. And so I needed a new dress. I needed some new boots.

• 50:33Caleb Hammer?

  What would have happened if you wore a dress that you wore a year ago? What would, what have been the, what would have been the consequences?

• 50:41Speaker 03

  I mean, no necessary consequences.

• 50:44Caleb Hammer?

  Then you don't know what the word need means. Cause when I hear need, I hear need, meaning there's going to be something that happens if you don't. Need. No, you wanted to. You wanted an excuse to. I mean, I'm being told, looking at your previous, previous spending. Like you endlessly go get necklaces, earrings, bracelets. And every time it's not even necessarily something nice and we can tell. You, but you still go drop about 500 apiece. You, you go for quantity over quality.

• 51:09Speaker 03

  I go for quality and so that's why it's more expensive.

• 51:13Caleb Hammer?

  You wear trumpet earpieces.

• 51:15Speaker 03

  Those are beautiful and they were only like a hundred and twenty.

• 51:18Caleb Hammer?

  I know, but you stack up to $500 purchases across the board. Cause you just buy shit, buy shit, buy shit, buy shit, adding everything into the cart. Doesn't matter because it's cheap. You just get it all the time. And then we all know it's cheap. We can tell.

• 51:32Speaker 03

  I needed a new bra.

• 51:33Caleb Hammer?

  Needed? No, no. Stop using this word need. You don't get to use the word need. You don't know what the word need means. I don't think, you know why? It just, I mean, it just hit me again. You've never experienced the need. You've had someone bail you out at every instance, including your brother, letting you live in his basement. And I'm not saying he necessarily shouldn't have after a divorce, but you've had someone bail you out every single second of your life. You've never experienced the need. A struggle, a problem.

• 51:59Speaker 03

  I have experienced problems and struggles.

• 52:02Caleb Hammer?

  What, what, what?

• 52:03Speaker 03

  Well, having to live with my brother, that was a struggle.

• 52:07Caleb Hammer?

  You're entitled. You absolute entitled. Man, what is wrong with you? Yeah. What was the struggle?

• 52:14Speaker 03

  I had lost my job and so I needed somewhere to stay.

• 52:17Speaker 06

  Read today about a 10 year old girl with Down syndrome. I read about, did you say wah wah?

• 52:22Caleb Hammer?

  You got bailed out. What was the struggle of being bailed out? Struggle is you're not bailed out and you gotta figure shit out.

• 52:29Speaker 03

  I figured it out by moving in with him.

• 52:32Caleb Hammer?

  So your struggle is that someone else bailed you out?

• 52:36Caleb Hammer?

  And got the whole basement to yourself?

• 52:38Speaker 03

  Well, not the whole basement, but.

• 52:40Caleb Hammer?

  Oh no. Tragic. What trauma?

• 52:43Speaker 03

  I know. I really wanted the whole sports court to myself.

• 52:47Caleb Hammer?

  What?

• 52:49Caleb Hammer?

  What? I don't know what that means. You, I feel like you just gave an inside reference to your own family on a podcast. I don't know, like a sport, does, does he have a gym in his basement? A whole gym?

• 52:58Speaker 03

  A sports court.

• 52:59Caleb Hammer?

  Okay. You guys are rich. I like, okay, good. So a rich daddy bailed you out. Well done.

• 53:05Speaker 03

  Thank you.

• 53:06Caleb Hammer?

  You've never experienced struggle.

• 53:07Speaker 03

  That's your opinion.

• 53:08Caleb Hammer?

  Is that your big struggle that you dealt with one time was moving in with your brother?

• 53:12Speaker 03

  Yes.

• 53:13Caleb Hammer?

  That's where the tears are gonna flow?

• 53:14Speaker 03

  Yeah, I didn't have any other options. So that was a struggle and he let me stay there. How is that not a struggle?

• 53:21Caleb Hammer?

  Cause you immediately got bailed out and you got a whole nice ass basement. Losing your job sucks. I mean, that sucks. It doesn't feel good.

• 53:28Speaker 03

  Yes.

• 53:29Caleb Hammer?

  But you never were on the brink of homelessness. You were never on the brink of actually an actual struggle. You've always had a man to bail you out. Stop making this a sexist episode. What is wrong with you?

• 53:39Speaker 03

  I'm not making it sexist. You are.

• 53:41Caleb Hammer?

  Kind of, just I'm not really. This is based on everything you say. And you, you, you want to be trad all the way anyway.

• 53:49Speaker 03

  Well, I just think that a man should take care of the woman. So, yeah, if that's trad.

• 53:56Caleb Hammer?

  Um, I mean, if that's how you guys want to live your life, sure. But like, at that point, then it would be spending from his account. And you're instead just racking up debt in the background that he's gonna have to take care of. He thought you had 10,000 dollars in debt. So this isn't him just taking care of you. This is you abusing your position.

• 54:12Speaker 03

  I wouldn't say abuse.

• 54:14Caleb Hammer?

  Of course not, because you would never want to take accountability for anything.

• 54:17Speaker 03

  No.

• 54:18Caleb Hammer?

  Yeah, we know that. We listen to you. We know people like you. Fortunately, it's like everyone now.

• 54:25Caleb Hammer?

  Okay, dude, you had, what is this? You had late fees. You had late fees.

• 54:29Speaker 03

  I had a late fee?

• 54:30Caleb Hammer?

  Uh, you had about two or three late fees. I was at a 32.49% interest rate, $1,200 last year. What the is wrong with you? What the is wrong with you?

• 54:40Speaker 03

  Are you sure there was more than one late fee?

• 54:42Caleb Hammer?

  Yeah. Mission Lane's own HOA Karen came and charged you with a late fee. You got punished.

• 54:47Speaker 03

  I didn't realize that.

• 54:49Caleb Hammer?

  Karen, meet Karen.

• 54:50Speaker 03

  I am not a Karen.

• 54:51Caleb Hammer?

  Brandon, can you come over here for a second? Can you come over to her side and stand next to her and just, and just pull her mic, uh, to you as well. Uh, you're the second Mexican I'm bringing in, so hopefully you make up for the last one. Josh says she doesn't look like a Karen. Um, do you agree with Josh? Do you agree with me?

• 55:08Speaker 07

  You're a super Karen.

• 55:09Caleb Hammer?

  Thank you. What the was Josh talking about?

• 55:11Speaker 07

  Respectfully.

• 55:13Speaker 03

  Thank you for the respect.

• 55:15Caleb Hammer?

  Yeah, I mean, you got sideburns with your hairstyle. Yeah, this is horrendous. Or it's over the limit fees, which means it was happening all year. Like, what's wrong with you? K care credit, right? This is usually for dog shit.

• 55:27Speaker 03

  That is for dog shit. Oh, it was for dog shit.

• 55:30Caleb Hammer?

  It's over max out. That usually doesn't happen with dog shit. That usually means you're not paying.

• 55:34Speaker 03

  Well, I did have to pay for dog stuff.

• 55:37Caleb Hammer?

  There's a fee!

• 55:37Speaker 03

  And I had to pay for some dentistry.

• 55:41Caleb Hammer?

  Did you have to pay for late fee? That just happened late fee.

• 55:45Speaker 03

  Oh, I forgot to pay that one.

• 55:47Caleb Hammer?

  Why? Why'd you forget to pay that one?

• 55:49Speaker 03

  Well, I just don't always think about it.

• 55:51Caleb Hammer?

  Why not auto pay? If the man's supposed to take care of you, as your trad woman says, then why have your own credit cards anyway? Use his credit cards, he pays for them. What the is this? You're trying to be independent, yet be wrapped up in trad. Make it make sense. It doesn't, Karen.

• 56:08Speaker 03

  Okay. So I can be partially independent, but he can take care of me in food and housing and stuff, but then I can still make money to buy the things that I want.

• 56:20Caleb Hammer?

  So, well, I'm not saying you can't make money.

• 56:22Speaker 03

  Okay.

• 56:23Caleb Hammer?

  But you're not paying on your own bills. You, you seem to want the best, the best, best of both worlds. Where he takes care of all the big overhead. Cause a man takes care of the house. And then you go and spend all your money on literally anything and everything you want, instead of having to contribute anything to the household. You literally just want the best of both worlds.

• 56:40Speaker 03

  I contribute some stuff to the household.

• 56:43Caleb Hammer?

  Well, a little glucky glucky here and there. Good, I'm glad he's happy.

• 56:46Speaker 03

  Yes.

• 56:47Caleb Hammer?

  What else do you contribute to the household? An idea of a 200,000 hour renovation that he doesn't even want or think you need?

• 56:54Speaker 03

  I, I take care of the kids, which are the dogs. So I pay for everything for them.

• 56:59Caleb Hammer?

  Those about to be kids in this conversation. You really threw me for a loop real quick.

• 57:04Speaker 03

  And...

• 57:06Caleb Hammer?

  Okay, the dogs, so easy.

• 57:07Speaker 03

  Well, they require grooming every six weeks and that's expensive.

• 57:12Caleb Hammer?

  Oh my goodness, you are a broken individual. Every six weeks you cover grooming? That's your contribution?

• 57:20Speaker 03

  No, I pay for all of their food and all their vet stuff.

• 57:23Caleb Hammer?

  Okay, vet stuff could be big, but listen, not even necessarily. He said he has to save you, just in case something happens to the dogs. How many dogs do you have?

• 57:31Speaker 03

  Miniature schnauzers.

• 57:33Caleb Hammer?

  Oh, you are a Karen extreme.

• 57:36Speaker 03

  How is that Karen?

• 57:37Caleb Hammer?

  Come on, that sounds like an alt, is that not a Karen dog?

• 57:40Speaker 03

  No, miniature schnauzers are super popular.

• 57:42Caleb Hammer?

  Schnauzers? Eh, let me look them up.

• 57:46Speaker 03

  The picture with the eyelashes. Mm-hmm. They're, they're pretty.

• 57:50Caleb Hammer?

  Oh, those are caring dogs in the extreme. What do you mean? Absolutely, they are. And also, they're not, they're very tiny. Their food is not expensive. Even the expensive food is not expensive. You've never had big dogs, you can't tell me it's expensive. I don't want to The grooming is also gonna be cheaper, too. Yeah, yeah. Pretentious fucking dogs, yeah.

• 58:09Speaker 03

  Those lashes are real.

• 58:10Caleb Hammer?

  And I'm sure they're very cute, and I would love them in person, but you're a Karen. You just keep being more Karen as we go on.

• 58:15Speaker 03

  Well, they have to have specific type of food, so yes, it's more expensive.

• 58:19Caleb Hammer?

  Yeah, more expensive, but it's still low portion, and it's lower hair to cut, too. This is your big sacrifice to the house? Wow. What a hero.

• 58:26Speaker 03

  I know.

• 58:27Caleb Hammer?

  Should make a statue.

• 58:28Speaker 03

  Which one is that?

• 58:29Caleb Hammer?

  Promotional power. Oh, one just ended a week ago. Oh, you got the deferred interest. Me. So this is substantially higher now. Fees, interest, late fees. Oh, you had approximately five late fees last year.

• 58:43Speaker 03

  Five?

• 58:43Caleb Hammer?

  Maybe, maybe you should actually let a man deal with all this shit, because maybe you can't handle independence. Look at this. This is a disaster. You're ruining all, all the fucking decades we've had of feminizing and, uh, woman power. You have just thrown back to the dumpster.

• 58:59Speaker 03

  Okay, explain. Tell me.

• 59:00Caleb Hammer?

  You're throwing us back to feudalism for women.

• 59:03Speaker 03

  What did I get a late fee on?

• 59:05Caleb Hammer?

  What?

• 59:06Speaker 03

  What? I got another late fee on that one?

• 59:07Caleb Hammer?

  Yes, you've had five last year. You can't be trusted. You want independence? No. No?

• 59:15Speaker 03

  Yes?

• 59:16Caleb Hammer?

  No.

• 59:16Speaker 03

  How does that show?

• 59:18Caleb Hammer?

  Cause you can't.

• 59:18Speaker 03

  That I can't be independent?

• 59:19Caleb Hammer?

  Cause you didn't make half your payments last year on time. What do you mean, how does that not show? What the fuck are you talking about? You're making me look like a

• 59:29Caleb Hammer?

  The most, I'm not even close to trash. I don't give a

• 59:33Caleb Hammer?

  You're advocating for independence, yet having a man take care of you, and then you do this? What kind of luck does this show?

• 59:40Speaker 03

  Which card is that?

• 59:41Caleb Hammer?

  Oh, my goodness, it's the care credit. Do Karens not remember the last five minutes?

• 59:45Speaker 03

  No, we don't.

• 59:46Caleb Hammer?

  Mm-hmm. We should acknowledge it. Care. Of which deferred interest just hit a week ago. Moron. You can't be, you can't be trusted to manage it. Not for a single second. It's at forty percent interest. Forty percent interest. You're

• 1:00:07Caleb Hammer?

  You're

• 1:00:09Caleb Hammer?

  Firm, it's a shit ton of money on a firm. What the are you getting on a firm? Oh, Amazon. Pull up your Amazon.

• 1:00:17Caleb Hammer?

  Oh, lady, Miss Care, Miss Care and N. What have you done? Two thousand, three hundred and ninety dollars and twenty one cents on a firm? You're a moron. You're a moron. Your minimum payment is about five seventy seven. And then you replenish, replenish, replenish, replenish. Starting a screen recording. Thanks for not connecting to Wi-Fi.

• 1:00:44Speaker 03

  I did.

• 1:00:45Caleb Hammer?

  Says you're on 5G. Let's see. Nah, doesn't matter. So anyway, okay, let's see. Quit smoking patches.

• 1:00:53Speaker 03

  I don't smoke. The nicotine patches are for energy and for focus.

• 1:00:59Caleb Hammer?

  Patches? Why aren't you just zinning it up? Where is it?

• 1:01:02Speaker 03

  I don't have it with me.

• 1:01:03Caleb Hammer?

  Where do you put it?

• 1:01:04Speaker 03

  On my chest.

• 1:01:05Caleb Hammer?

  Is that normal for people who don't smoke?

• 1:01:09Caleb Hammer?

  I've never heard of this. That's usually for people who smoke.

• 1:01:13Speaker 03

  Nicotine is a good, um,

• 1:01:17Speaker 03

  supplement, so.

• 1:01:19Caleb Hammer?

  Wait, are you prescribed Adderall?

• 1:01:20Speaker 03

  Yes.

• 1:01:21Caleb Hammer?

  This is why she's like this, by the way. She just, she took one, she took an Adderall and a caffeine pill in the green room, I'm being told. This is making a lot of sense why you sound like, oh my gosh, I'm a fucking actor.

• 1:01:32Speaker 03

  I need to have a little pep in my step during the day because I don't sleep well at night.

• 1:01:36Caleb Hammer?

  Well, because you're morbidly obese, you need to be able to step around things.

• 1:01:39Speaker 03

  Yes.

• 1:01:41Caleb Hammer?

  You need to be able to make it to the other side of the room somehow. Also, what the, why do you not believe in Do Not Disturb? Okay, you got a little, you got a little plushy, you got sal TT. What's sal TT?

• 1:01:52Speaker 03

  Oh, that is electrolytes.

• 1:01:56Caleb Hammer?

  You know, are you working out substantially?

• 1:01:59Speaker 03

  No.

• 1:01:59Caleb Hammer?

  Then you don't need it. You know, through a most normal, healthy diet, people are getting the electrolytes they need unless they are walking and aggressive, unless they are working out and aggressively sweating. Then you need electrolyte replacement.

• 1:02:11Speaker 03

  No, you should never drink water unless it has salt in it.

• 1:02:15Caleb Hammer?

  Never.

• 1:02:15Speaker 03

  That's what Dave Asprey says.

• 1:02:20Caleb Hammer?

  Okay, Lindsay knows that one.

• 1:02:23Speaker 03

  He is.

• 1:02:24Caleb Hammer?

  Oh, and that's the fat, the fat in your coffee for your brain?

• 1:02:29Caleb Hammer?

  Okay, Brandon would be a big fan, Lindsay's saying. Uh, lots of plushy things. You get these sheeps. Are you obsessed with sheeps?

• 1:02:35Speaker 03

  It's lamb chop for the dogs.

• 1:02:38Caleb Hammer?

  Okay, air filter's fine. Why are you clamming all this stuff, though? Lots of hair shit, lots of hair shit. Um, gosh, it's a mix of things that are okay, or overbaw, and then bullshit. It's stupid with the fact that you're affirming all this shit. Pull up your affirm. Pull up your affirm. Oh shit! Oh, you're going to Seattle this Friday for a concert, $600. Who you seeing? So that's what you're fucking clamming, being a dumbass? Who the fuck are you seeing?

• 1:03:06Speaker 03

  I went and saw Rocky Vodolato in Seattle last weekend.

• 1:03:09Caleb Hammer?

  I keep looking at everyone for these names. Who are you talking about, ever?

• 1:03:14Speaker 03

  Rocky Vodolato is my favorite musician, and he had his 20th anniversary for his album.

• 1:03:20Caleb Hammer?

  3135.

• 1:03:28Speaker 03

  So that one is higher.

• 1:03:29Caleb Hammer?

  What the fuck is wrong with you? You're not a credit card person, you don't understand shit, okay? You don't understand shit!

• 1:03:36Speaker 03

  I am a credit card person.

• 1:03:37Caleb Hammer?

  A credit card person is not...

• 1:03:39Speaker 03

  I use it as a tool.

• 1:03:40Caleb Hammer?

  A tool!

• 1:03:41Speaker 03

  To get what I want, and then I'll pay it off.

• 1:03:43Caleb Hammer?

  Oh, fuck off! Fuck off, you're...

• 1:03:47Speaker 03

  I mean, I have been called retarded by someone with Down syndrome before, so...

• 1:04:02Caleb Hammer?

  Okay.

• 1:04:05Caleb Hammer?

  I'm glad you got the validation. Delta, lots of Delta, yeah, you're going everywhere. A lemon paper? What is a lemon paper?

• 1:04:13Speaker 03

  A lemon paper is, I got a new planner, and I needed some new planner inserts, because...

• 1:04:18Caleb Hammer?

  Planner inserts?

• 1:04:19Speaker 03

  Yes.

• 1:04:20Caleb Hammer?

  Oh, you just overdo everything.

• 1:04:22Speaker 03

  So that I can plan my day.

• 1:04:23Caleb Hammer?

  You are such a...

• 1:04:24Speaker 03

  Have some budget planning inserts?

• 1:04:25Caleb Hammer?

  Shut the fuck up.

• 1:04:27Speaker 03

  I mean, I'll use them one day.

• 1:04:28Caleb Hammer?

  Just use the Dollar Wise budgeting app. Moron, you get it for free for the rest of your life.

• 1:04:34Speaker 03

  Okay.

• 1:04:34Caleb Hammer?

  I'm also putting you through the Master Your Money program. That comes with a premium version of Dollar Wise, but also... It comes with all of our classes, our debt class, budgeting class, investing class, real estate class. You need to go through all of it. And I'd go through it with him as well. Yeah, going, going on a trip to Seattle to see someone no one's ever heard of for hundreds of dollars, right before coming on Financial Audit is insane. That is a crazy move.

• 1:04:58Speaker 03

  Well, I have been planning it for like six months.

• 1:05:01Caleb Hammer?

  To see Valadato?

• 1:05:02Speaker 03

  Rocky Vodolato.

• 1:05:04Caleb Hammer?

  Who? Name a song.

• 1:05:06Speaker 03

  Makers.

• 1:05:07Caleb Hammer?

  Sing it.

• 1:05:08Speaker 03

  Death Keeps Calling Me.

• 1:05:10Caleb Hammer?

  No, try to put some tune to it.

• 1:05:12Speaker 03

  Death keeps calling me. She's gonna set me free. No more sunshine sidewalk streets or misery.

• 1:05:23Caleb Hammer?

  Do we know this? Oh, and you spent money on that? Shit. Okay. Well, you're new for minimum two payments, likely 783. If you're paying it in four, we'll see. Okay. And I know, I'm sure those are like weekly, split out weekly and whatnot, but Apple Card. What's going on here?

• 1:05:40Speaker 03

  Well, Apple Card is.

• 1:05:42Speaker 01

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• 1:06:11Speaker 03

  For typically when I've run out of money.

• 1:06:15Caleb Hammer?

  When you run out of money, you run out of money every second of your life.

• 1:06:18Speaker 03

  I need to get gas or something, so.

• 1:06:20Caleb Hammer?

  You spend more than you make. Three years to pay off minimums.

• 1:06:23Speaker 03

  I drive a lot for work, to work.

• 1:06:26Caleb Hammer?

  Whoa, how much?

• 1:06:27Speaker 03

  So I need gas money. I drive 45 minutes to work and usually takes an hour to get home.

• 1:06:31Caleb Hammer?

  What the is wrong with you? Why is, why, why do you live so far?

• 1:06:34Speaker 03

  Because.

• 1:06:35Caleb Hammer?

  Salt Lake City isn't that big. You must live on the complete opposite end of the metro.

• 1:06:38Speaker 03

  I live up in Ogden, so.

• 1:06:40Caleb Hammer?

  Oh, I don't.

• 1:06:41Speaker 03

  And it's because that's where my husband's job is, and so that's where we purchased the home.

• 1:06:47Caleb Hammer?

  Trad, trad home by. Well, I don't see any purchases on here. You made your minimum, but I guess you probably do on a normal basis purchase on here.

• 1:06:54Speaker 03

  Yes.

• 1:06:54Caleb Hammer?

  It's fucking crazy, dude. It's just crazy. Hundreds of dollars in interest, 25.74% interest rate. I just don't understand how you're living your life, why you're living your life. Listen, maybe I'll get you a fucking certification from Course Careers and accounting too. Most people out there use that to improve their income situation, but I'll gift it to you so you can understand numbers.

• 1:07:12Speaker 03

  Math can be hard sometimes, so...

• 1:07:14Caleb Hammer?

  Not this basic shit. I'm good at math. Don't get me wrong. Finances are basic math. Okay?

• 1:07:20Speaker 03

  Okay.

• 1:07:21Caleb Hammer?

  Basic math. Quicks over. You're spending on it. Why are you spending on a card? That is over limit, that is accruing interest, that you cannot pay off to save your fucking life.

• 1:07:30Speaker 03

  I don't know what I'm buying on that one.

• 1:07:33Caleb Hammer?

  You don't even know what you're doing, dude. You're over the limit on everything. $512.23, minimum monthly payment, 28 bucks, takes two years to pay off, except not really, because you're getting fees, you're getting interest, and you are spending on it. You are spending on it.

• 1:07:51Speaker 03

  Well, like I said, if in between paychecks I needed to get something or go get a coffee...

• 1:07:56Caleb Hammer?

  If you don't take care of the overhead, you shouldn't have an issue. You shouldn't have a issue. It was a late fee.

• 1:08:03Speaker 03

  Another late fee?

• 1:08:04Caleb Hammer?

  Another late fee.

• 1:08:06Speaker 03

  I swear I pay these things on time.

• 1:08:08Caleb Hammer?

  Okay, well, you just broke your oath. Because you literally do not, so I don't know what to tell you. Anche's accruing, fees accruing, and you got an Amazon purchase, and we saw your Amazons. They weren't 100% necessity for a living.

• 1:08:24Speaker 03

  I mean, I guess. A dog toy is not a necessity, but it was really cute and I wanted it.

• 1:08:33Caleb Hammer?

  Why does he deal with this? Oh, because he's a pushover. That's right, I forgot.

• 1:08:37Speaker 03

  No, it's because my tits are big.

• 1:08:41Caleb Hammer?

  And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com/apply or click that link in the description below. You'll have a great time and I'm gonna roast the fuck out of you. Starbucks is bullshit and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamersubs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:09:16Speaker 07

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

• 1:09:23Caleb Hammer?

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

• 1:09:36Caleb Hammer?

  Good on you, guy. My tits are big too. You don't see people putting up with my shit.

• 1:09:41Speaker 03

  Are you sure?

• 1:09:42Caleb Hammer?

  Lindsay, do you put up with my shit because I got big tits? Okay, I just wanted to make sure. Because she does put up with my shit. Big pockets, that's why.

• 1:09:54Caleb Hammer?

  Schwab Tire Center?

• 1:09:56Speaker 03

  Le Schwab. I had to get new tires.

• 1:09:58Caleb Hammer?

  Oh, Le Schwab, I apologize. Le Schwab?

• 1:10:01Speaker 03

  Le Schwab. Yes, I had to get new tires for my-

• 1:10:03Caleb Hammer?

  You couldn't just pay for it? All your, none of your money goes to overhead? There's no way you couldn't just get new tires?

• 1:10:09Speaker 03

  Yes, I don't have that car any longer.

• 1:10:12Caleb Hammer?

  You still owe on tires on a car you don't own? What happened to this car?

• 1:10:16Speaker 03

  We traded it in for a better car.

• 1:10:19Caleb Hammer?

  What car do you have?

• 1:10:20Speaker 03

  Well, I mean, a newer car, but not new.

• 1:10:22Caleb Hammer?

  What kind of car do you have?

• 1:10:24Speaker 03

  2014 Hyundai Santa Fe.

• 1:10:26Caleb Hammer?

  Well, this should be paid off in a few months. I mean, you owe 368.54. How much were your new tires?

• 1:10:31Speaker 03

  I think they were 1,200.

• 1:10:33Caleb Hammer?

  When did you get these?

• 1:10:34Speaker 03

  Like a year and a half ago. Maybe two years ago. I don't know.

• 1:10:39Caleb Hammer?

  Okay, well, you've been paying on it forever. $111 is your monthly. So I'm not freaking out about that, but what I am freaking about is this. What is this? Is this a Klarna?

• 1:10:47Speaker 03

  That is, yes.

• 1:10:49Caleb Hammer?

  What?

• 1:10:50Speaker 03

  That's Klarna.

• 1:10:50Caleb Hammer?

  Pull it up.

• 1:10:53Caleb Hammer?

  Ticketmaster Converse Etsy. What are you getting on Etsy? What the are you getting on Etsy? Huh?

• 1:11:00Speaker 03

  Um.

• 1:11:01Caleb Hammer?

  What are you getting on Etsy, huh?

• 1:11:03Speaker 03

  I got a few things for like a dress. I think I got.

• 1:11:10Caleb Hammer?

  Converse of those, right?

• 1:11:11Speaker 03

  Yes.

• 1:11:13Speaker 03

  Okay, this one.

• 1:11:15Caleb Hammer?

  Imagine Klarna being a Karen. Your Karen, your fucking Klarna being a Karen. It's impressive. There's your Ticketmaster Converse. It's just, it's crazy. It's crazy. Listen, okay. Minimum on this is likely of the 293. Point 68. So stupid. Why are you paying and borrowing?

• 1:11:37Speaker 03

  It just makes it easier for me because.

• 1:11:39Caleb Hammer?

  Because you don't make your payments on time. So does it actually make it easy?

• 1:11:42Speaker 03

  I do make those payments. Those ones are automatic.

• 1:11:44Caleb Hammer?

  I don't trust you. I don't believe you.

• 1:11:45Speaker 03

  They are.

• 1:11:46Caleb Hammer?

  Yeah, but if you don't have enough in your account, it bounces.

• 1:11:48Speaker 03

  That's true.

• 1:11:49Caleb Hammer?

  That's true.

• 1:11:50Speaker 03

  It just, okay. So I know I'm gonna have the money, but I want it right now.

• 1:11:55Caleb Hammer?

  What if you get laid off again? Remember when you got laid off? That sucked.

• 1:11:58Speaker 03

  Well.

• 1:11:58Caleb Hammer?

  I don't think people do a lot of renovations when we're in a recession and the job market's a little meh. Quarterly GDP numbers were good last time, but still.

• 1:12:06Speaker 03

  I didn't get laid off. I was fired.

• 1:12:08Caleb Hammer?

  Why?

• 1:12:08Speaker 03

  For sexual harassment.

• 1:12:12Caleb Hammer?

  Who'd you harass?

• 1:12:14Speaker 03

  The maintenance guy who was sending me nudes. I smacked his butt.

• 1:12:21Speaker 03

  And then they fired me. I was like, he was sending me nudie pictures.

• 1:12:25Caleb Hammer?

  Why'd you smack his butt?

• 1:12:27Speaker 03

  Well, they were all joking around and they had new outfits, so.

• 1:12:34Speaker 03

  What?

• 1:12:35Caleb Hammer?

  A man was sending you nudes?

• 1:12:36Speaker 03

  Yes.

• 1:12:37Caleb Hammer?

  Consentually?

• 1:12:38Speaker 03

  Yes. I mean, I, I wasn't really responding to him, but it was after my divorce.

• 1:12:44Caleb Hammer?

  You invited them?

• 1:12:46Speaker 03

  No, I didn't invite them. I was chatting with him and then he sent that to me.

• 1:12:51Caleb Hammer?

  What the fuck, dude? Guys are out there just slinging images. What are we doing? Men, get your shit together. But it didn't bother you?

• 1:13:03Speaker 03

  No, it didn't bother me.

• 1:13:05Caleb Hammer?

  You liked it, the attention?

• 1:13:07Speaker 03

  Well, he was cute, I guess.

• 1:13:09Caleb Hammer?

  So you, you, you liked it?

• 1:13:11Speaker 03

  Yes.

• 1:13:12Caleb Hammer?

  And you didn't encourage anymore?

• 1:13:14Speaker 03

  No, I didn't encourage it.

• 1:13:16Caleb Hammer?

  How long was he sending you PP's?

• 1:13:17Speaker 03

  Well, he only sent me one. And it wasn't fully, I guess it wasn't a full nude. He had a towel on.

• 1:13:23Caleb Hammer?

  Oh, so it wasn't a nude?

• 1:13:24Speaker 03

  I guess not.

• 1:13:25Caleb Hammer?

  Doesn't make it necessarily appropriate, but there's a, there are degrees. I know on the internet, everything's a nuclear 10 out of 10 at all times, but just like murders, there are degrees.

• 1:13:33Speaker 03

  So he had been flirting with me. He sent me a picture in a towel.

• 1:13:36Caleb Hammer?

  Were you flirting back?

• 1:13:37Speaker 03

  Yes.

• 1:13:38Caleb Hammer?

  Okay, okay, okay. You made it sound like out of the blue. This all of a sudden becomes, I'm not saying not inappropriate, but much more normal in the real world that flirting can get to something slightly salacious.

• 1:13:50Speaker 03

  Yeah, so.

• 1:13:51Caleb Hammer?

  And then at work, you smack them in the butt? What did this look like?

• 1:13:55Speaker 03

  Oh, nice new pants, smack.

• 1:13:58Caleb Hammer?

  Did he report it?

• 1:13:59Speaker 03

  Apparently somebody else reported it. Cause they felt uncomfortable.

• 1:14:03Caleb Hammer?

  Christian should have been fired like 50 times now. The dude can't keep his hands off men's asses. Especially Brandon. Oh my gosh, he loves you. Loves that fucking those cheeks.

• 1:14:15Caleb Hammer?

  Yeah, let's get HR in here. Let's get HR in here. I want to see if he should have been fired or not. And then, cause I mean, I don't know. You guys were flirting. Obviously, different tolerances. Companies are afraid of lawsuits and whatnot.

• 1:14:32Caleb Hammer?

  Was it a big thing?

• 1:14:33Speaker 03

  I mean, it turned out good because I didn't love that job anyway.

• 1:14:37Caleb Hammer?

  Did you come afterwards?

• 1:14:39Speaker 03

  No.

• 1:14:40Caleb Hammer?

  You didn't even get anything good out of it?

• 1:14:41Speaker 03

  No, nothing. I didn't.

• 1:14:42Caleb Hammer?

  That sucks. Oh, I guess it doesn't suck?

• 1:14:45Speaker 03

  Oh, he was cute at the time, but I was. Like, I didn't really care. I had just gotten divorced. It was before I met my current husband.

• 1:14:53Caleb Hammer?

  That's when we rebound for a little insertions here and there.

• 1:14:56Speaker 03

  Yeah, for here and there, but.

• 1:14:58Caleb Hammer?

  How much did that fuck you when you got fired?

• 1:15:00Speaker 03

  Oh, if me, that's when I, I had just got divorced. I lost my job and that's why I had to move in with my brother.

• 1:15:05Caleb Hammer?

  Why'd you maintain your lifestyle, though?

• 1:15:06Speaker 03

  I just kept thinking that I would. Everything would work out and I would just get another job.

• 1:15:14Caleb Hammer?

  Well, we don't know where HR is, huh? Okay, nevermind. Okay, well, let's keep going. Zabul, what the [__] is a Zabul? At 24.03% interest rate? What [__] is this?

• 1:15:26Speaker 03

  That is a personal loan that I got to pay off my cards and...

• 1:15:32Caleb Hammer?

  Oh my goodness, so you did it twice? Bankruptcy no lesson. Consolidation, no lesson! And you're consolidating at 24.03% interest? That's basically a credit card. That's basically a credit card!

• 1:15:43Speaker 03

  Well, I found my dream chairs.

• 1:15:46Caleb Hammer?

  Who has dream chairs? What is wrong with you? Again, you look like one out of Taco Bell from the 80s.

• 1:15:53Speaker 03

  I found my dream chairs.

• 1:15:55Caleb Hammer?

  How? What is a dream chair?

• 1:15:56Speaker 03

  A dream chair is, um...

• 1:15:58Caleb Hammer?

  Oh, I shouldn't even... What?

• 1:16:01Speaker 03

  It is the suspension chair from Star Trek: The Next Generation. And so...

• 1:16:08Caleb Hammer?

  Okay, show me. What the [__] are you talking about? Did you minimum... You're gonna be paying this off forever. $272? You accrued almost $2,000 in interest?

• 1:16:22Caleb Hammer?

  You had fees! I think you had a late fee every month last year.

• 1:16:27Speaker 03

  I don't think every month.

• 1:16:29Caleb Hammer?

  I think every month.

• 1:16:30Speaker 03

  So, these are the suspense chair and they...

• 1:16:34Caleb Hammer?

  Make sure we put these on the screen. Let's see what this is. Let's see what a $10,000, 24% personal loan, never paying on time with $550 of late fees is all about. You don't even have them at the ready, your dream chair? Because apparently that's something people have?

• 1:16:55Caleb Hammer?

  Bruh, these look like...

• 1:16:56Speaker 03

  So, they are on Ted Ford on Star Trek: The Next Generation. And they're so cute, they're so cool, they're very comfortable. Yes, they are! So, I got four of the one-arm chairs and two of the no-arm chairs.

• 1:17:13Caleb Hammer?

  Where are they?

• 1:17:14Speaker 03

  The no-arm chairs are in my living room and the other chairs are waiting to be reupholstered.

• 1:17:22Speaker 03

  They're very cool.

• 1:17:23Caleb Hammer?

  Oh, you don't care about anything that is needing to be cared about in your life at all.

• 1:17:31Speaker 03

  Come on.

• 1:17:31Caleb Hammer?

  You don't give a shit about anything important.

• 1:17:34Speaker 03

  I do.

• 1:17:35Caleb Hammer?

  No, you are just, oh, you, hmm, you are not a good person financially.

• 1:17:42Speaker 03

  But I'm a good person.

• 1:17:44Caleb Hammer?

  I can't comment on that, but if you're Karen, things towards the beginning are true. I would actually advocate no. And you've had this for two years now, and it's still this. This is chaos. This is insanity, dude. This is sanity. Late every month last year.

• 1:18:01Speaker 03

  No.

• 1:18:01Caleb Hammer?

  You had to have been unless every late fee is just like insanely expensive.

• 1:18:05Speaker 03

  I've only had that one for one year and.

• 1:18:07Caleb Hammer?

  No. January 2024. It's 26 now.

• 1:18:12Speaker 03

  Was 2024? I thought it was 2025.

• 1:18:15Caleb Hammer?

  I'm being told 24.

• 1:18:17Speaker 03

  It was 2025, I swear.

• 1:18:18Caleb Hammer?

  Well, even still, it's horrendous. It's just that almost gonna make it better anyway.

• 1:18:22Speaker 03

  Okay.

• 1:18:23Caleb Hammer?

  Interesting. We're on the way down at that time, and it's still. So like, I don't even, I don't even want to hear it. This is absolutely ridiculous. Now I understand why you don't have money because you've been for things with all the money you do have. Who has this style? Who wants those chairs? It's not, who does this?

• 1:18:41Speaker 03

  They're very cool. And when I reupholster them in a really fun fabric.

• 1:18:46Caleb Hammer?

  So it's not even the Star Trek chairs anymore. You reupholster it into something else.

• 1:18:51Speaker 03

  Well, no, it'll still be the Star Trek chairs. It'll just have like an updated look to them.

• 1:18:56Caleb Hammer?

  Oh, my.

• 1:18:57Speaker 03

  Fashion forward, if you will.

• 1:19:01Caleb Hammer?

  Okay, student loans for what?

• 1:19:04Speaker 03

  For a while, I thought I might want to go into aesthetics, so I.

• 1:19:09Caleb Hammer?

  What is going into aesthetics?

• 1:19:11Speaker 03

  Skincare, facials, that kind of stuff. So.

• 1:19:15Caleb Hammer?

  Esthetician, like that? That's called aesthetics?

• 1:19:18Speaker 03

  Aesthetics, yeah.

• 1:19:19Caleb Hammer?

  Aesthetics.

• 1:19:20Speaker 03

  Correct. And so I started school for that.

• 1:19:24Caleb Hammer?

  Oh, you only made almost absolutely nothing for a very long time, by the way.

• 1:19:28Speaker 03

  I decided, no, that's not for me. So I stopped that.

• 1:19:32Caleb Hammer?

  But you spent thousands and thousands and thousands on that? Because you still have a balance of 4,367. When did you do that?

• 1:19:39Speaker 03

  Oh, six years ago.

• 1:19:42Caleb Hammer?

  What's wrong with you? What's your minimum payment on this?

• 1:19:44Speaker 03

  Fifty-three?

• 1:19:45Caleb Hammer?

  Why? You should have to pay more. You don't do poorly. You just spend all your money and everything. Why are we, why are we subsidizing you? Pay more asshole.

• 1:19:54Speaker 03

  I will pay more when I can.

• 1:19:56Caleb Hammer?

  You never can. You get Star Trek chairs. You're a moron. You're Karen. Dude, you're, no, no, no. Shut the up. What is this? This is a checking account. You have twenty-three dollars, sixty-four cents on here.

• 1:20:09Caleb Hammer?

  Okay. Venmo, twenty-five bucks. Oh, there's so much on here. Venmo again, twenty-five. Who are you Venmoing?

• 1:20:16Speaker 03

  I'm Venmoing my dog walker.

• 1:20:19Caleb Hammer?

  Yeah, I thought you were the one who takes care of the dogs. You're the special princess who takes care of the dogs, the queen of the house. Shut the up.

• 1:20:25Speaker 03

  By paying the dog walker.

• 1:20:26Caleb Hammer?

  Burger? What is burger?

• 1:20:28Speaker 03

  Burger is my phone case.

• 1:20:30Caleb Hammer?

  What? Why are you having two payments to it?

• 1:20:32Speaker 03

  Oh, because I also got a case for my MacBook. And a case for my iPad. A case for my MacBook.

• 1:20:39Caleb Hammer?

  MacBook? I heard back book. DoorDash? Fuck you! Palm Beach tan?

• 1:20:47Speaker 03

  I need to go tanning.

• 1:20:48Caleb Hammer?

  Uh huh. DoorDash again, Raising Canes. Alter?

• 1:20:55Caleb Hammer?

  ATM withdrawal? Don't even know where the fuck that went. Sixty-three dollars, fifty cents. Going in, it's bullshit. Bo cube? Bow, bow, bows cube? Bows cube? McDonald's? Then we not money? Perfume? Then we not money? Flannel? Going in is a bullshit. Going in is a bullshit. What are you getting for six dollars and eighteen cents from the gas station? Cause it's multiple times.

• 1:21:19Speaker 03

  Starbucks Frappuccinos every morning on the way to work.

• 1:21:22Caleb Hammer?

  At Exxon?

• 1:21:23Speaker 03

  At Seven-Eleven.

• 1:21:24Caleb Hammer?

  Yes. Starbucks Frappuccinos?

• 1:21:26Speaker 03

  Yes, just the little glass bottle ones. Yes.

• 1:21:28Caleb Hammer?

  Oh my. Make your coffee at home, moron.

• 1:21:32Speaker 03

  Well, I do make some at home before I leave, but then I need another one.

• 1:21:35Caleb Hammer?

  What the fuck? You are a broken individual. This makes no sense. Why not get actual real coffee from a place that's cheaper than that?

• 1:21:42Speaker 03

  Well, it's two of them for six.

• 1:21:45Caleb Hammer?

  Buy them for bulk from the grocery store. They sell them at the grocery store for cheaper in bulk.

• 1:21:50Speaker 03

  No, it's actually like the same price.

• 1:21:51Caleb Hammer?

  No, it is not. It's impossible. Lies. Lies. I don't believe it.

• 1:21:55Speaker 03

  I swear to you.

• 1:21:56Caleb Hammer?

  Well, you already swore to me before and you broke that. Amazon. Bo Coop. What is Bo Coop? You go there all the time.

• 1:22:02Speaker 03

  Bo Ku is the bakery by my work, so I'll go there to get a cookie or...

• 1:22:06Caleb Hammer?

  Oh my goodness. You don't, you are, what is wrong with you? How many coffees do you have a day?

• 1:22:11Speaker 03

  Probably...

• 1:22:12Caleb Hammer?

  You took caffeine pill and Adderall in the green room. Dude, your heart's gonna explode.

• 1:22:16Speaker 03

  It might, but I drink about four or five coffees a day.

• 1:22:20Caleb Hammer?

  What? That with morbid obesity and caffeine pills and Adderall?

• 1:22:26Speaker 03

  Yes.

• 1:22:28Speaker 03

  I know, I know, I know.

• 1:22:29Caleb Hammer?

  Can you go get me my backpack, please?

• 1:22:30Speaker 03

  I'm only supposed to have 400mg of caffeine a day, but I usually go a little bit higher than that.

• 1:22:35Caleb Hammer?

  To what? Okay, you can get four from Walmart. The Frappuccino's seven bucks, $7.78. It's double the price the way you're doing it.

• 1:22:42Speaker 03

  But those are smaller. The four pack is smaller.

• 1:22:45Caleb Hammer?

  I don't know and I doubt.

• 1:22:46Speaker 03

  No, the four pack is smaller cans or smaller glass bottles.

• 1:22:50Caleb Hammer?

  You're the black haired version of that cunt from Harry Potter that locked down the entire palace.

• 1:22:56Speaker 03

  I've never seen it, so I don't know what you're talking about.

• 1:22:57Caleb Hammer?

  How have you, you, what? You gotta watch it every Christmas. What is wrong with you? You have, you have, you just don't live life. You, I swear, you, you're, what is wrong with you?

• 1:23:10Caleb Hammer?

  Thank you. Thank you.

• 1:23:17Caleb Hammer?

  You're gonna ask why I'm carrying this around, because I have a lot of weird things, because I'm a fucking weirdo, but it's okay. What's your heart rate? Put it on.

• 1:23:27Caleb Hammer?

  Yeah, you have to turn it on. Sit, let it think.

• 1:23:32Caleb Hammer?

  My gosh. Bo Coop, Bo Coop. McDonald's, Raisin Canes, Audible, go to the library. Bo Coop, Venmo, Venmo. Get in your little coffee. PetSmart, Venmo, Bo Coop, Bo Coop. Barracuda, Barracuda, Barracuda, Barracuda. Bo Coop, Apple Bill, Bo Coop.

• 1:23:51Caleb Hammer?

  Olympia Hill Service, Chick-fil-A, this isn't a decent amount of spending. Going to get in your coffee, Domino's, Subway, Hill Service, Megaplex Theaters, Applebill, Etsy, you're getting a lot of shit on Etsy, coffee, Amazon, Dimitri Martin, Amazon, Amazon, Venmo, Subway, Spotify, Megaplex at the Gateway, Ice House. Overdraft, you're overdrafting for this coffee, about coop?

• 1:24:15Speaker 03

  Well, I needed-

• 1:24:16Caleb Hammer?

  What is it?

• 1:24:16Speaker 03

  It's at 99.

• 1:24:18Caleb Hammer?

  What? I'm, no, that's your oxygen, you moron. It's 110. I don't think you should be sitting with 110. Not sitting, walking, sure, maybe. If you're, if you're a har- high heart rate individual. But if you're at this, should you be taking Adderall? Eh eh eh, if you're sitting? I don't know. Also, I have a note, it is labeled, "Fuck off bitch." 12 pack of 13.7 ounces for $33, which is $2.75 uh uh uh per bottle.

• 1:24:49Speaker 03

  Where?

• 1:24:50Caleb Hammer?

  Off bitch.

• 1:24:51Speaker 03

  I'll go to the grocer then.

• 1:24:53Caleb Hammer?

  Yeah, I mean, if you're treading it up, aren't you supposed to anyway?

• 1:24:56Speaker 03

  Oh, no.

• 1:24:58Caleb Hammer?

  Of course not. Again, you pick and choose what you like. Oh my goodness. Last year you had 17 overdrafts on.

• 1:25:06Speaker 00

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• 1:25:35Caleb Hammer?

  Here, you Karen freak failure. What are you doing? And I know you're not gonna fix this, I don't even understand. You went to David Ramsith and you did nothing. Have you called to David?

• 1:25:44Speaker 03

  No.

• 1:25:45Caleb Hammer?

  Okay. I don't want you answered like that. For 17 and this, I would definitely switch from SoFi and go to Chime. It is much better, much better. Better high yield, better services, and a better signup bonus, $350.

• 1:25:58Speaker 03

  Okay.

• 1:25:58Caleb Hammer?

  $350 when you sign up for a direct deposit, it's incredible. But you're still going in and getting the- Coffees, Wendy's, Wendy's, coffee, Wendy's, coffee. Uh, bullshit, Amazon, Amazon, Amazon, Amazon, Bo Coop! Perfume, Olympus Hill Service, stopping at a store, getting something, 150 bucks, I don't know. Well, the Goro, Amazon, McDonald's, Alexa Skills. Ah, there's more! Coffee, McDonald's, coffee, DoorDash, Chick-fil-A, coffee, Amazon, Amazon, Venmo.

• 1:26:35Caleb Hammer?

  Oh, coffee, DoorDash, Amazon, coffee, Amazon, McDonald's, Amazon, coffee, Amazon, Arctic Circle. Coffee, coffee, Amazon.

• 1:26:47Speaker 03

  I like coffee!

• 1:26:48Caleb Hammer?

  DoorDash, Amazon, Bo Coop!

• 1:26:51Speaker 03

  I don't have time to leave for lunch.

• 1:26:53Caleb Hammer?

  Olympus Hill Service, Amazon, Amazon, DoorDash, eating games. Put your DoorDash unhealthy stuff anyway, and pack a lunch, you dumb cunt.

• 1:27:00Speaker 03

  I try to, but sometimes...

• 1:27:02Caleb Hammer?

  You try to, how do you try to pack a lunch? Whoops, oh, I failed at that one.

• 1:27:05Speaker 03

  I try to be prepared.

• 1:27:06Caleb Hammer?

  What?

• 1:27:06Speaker 03

  Sometimes I do forget it, even though I packed it.

• 1:27:09Caleb Hammer?

  What? Oh, you, how are you like this? You, you have no accountability in your life whatsoever. You have never been able to hold yourself accountable. No one has ever been able to hold yourself accountable. You are an entitled fucking brat. Hardware, Amazon, tailored, Queen B gift bullshit. Savings, $236 more! Put it in, put it in Chime instead. It is a better high-yield savings rate than that. SoFi, I was a fan for a second, but honestly, kinda shitty compared to Chime.

• 1:27:37Speaker 03

  Okay, I'll switch.

• 1:27:38Caleb Hammer?

  Yeah, plus better sign-up bonuses, $350, I mean, it's crazy. Only if you use my link. Chime.com/kaeb. Um, and then, yeah, so I mean, $7,780 in retirement, which is dramatically behind for your age. All right, let's, let me budget this. I don't even think you can stick to it, though, because you're an entitled fuck freak.

• 1:27:56Speaker 03

  I can stick to it if I set my mind to it.

• 1:27:59Caleb Hammer?

  Yeah, sure. Let's get all those five brain cells working. Let me get...

• 1:28:06Caleb Hammer?

  Oh, sorry, I'm just being mean, but I hate Karens, I really do.

• 1:28:11Caleb Hammer?

  Minimum monthly payment, and this concludes your pay in fours, which makes it difficult. I will be honest, it makes it difficult.

• 1:28:18Caleb Hammer?

  But the thing is, I'm gonna keep them in, because the thou...

• 1:28:23Caleb Hammer?

  This is weird, because if you pay it off and don't put anything else on there, yeah, your minimum payments are immediately gonna go down. But the thing is...

• 1:28:31Caleb Hammer?

  You probably built all the way back up again. I mean, when I opened your firm, it was even higher than the statements you gave us. So debt minimum payment is probably a thousand one hundred or a thousand six hundred and two dollars and seventeen cents a month. You can quickly get it out with the paying force. Income four thousand. What do you contribute to the mortgage?

• 1:28:48Speaker 03

  I contribute, let's see, eleven hundred for the mortgage, my car, and I don't know what it is separately. I just pay.

• 1:28:59Caleb Hammer?

  Okay, that's fine. Yeah, I didn't see a car debt. So he did it for you because again, you can't do anything yourself. Strong and a bent woman.

• 1:29:05Speaker 03

  Yes.

• 1:29:05Caleb Hammer?

  Uh, does that include internet, electricity, gas, and all that shit as well for the house? Wow, phone bill?

• 1:29:11Speaker 03

  That's all included as well.

• 1:29:12Caleb Hammer?

  Wow, look, you are being subsidized by this man. I can't believe he's just allowing this to happen. Listen, you can use helium if you ever need your own phone service. I'm sure it's good in Salt Lake City because it's just T-Mobile service. As long as it's good there. It's a very price-effective program. Highly recommend it. Fifteen bucks a month for service. Gas, boom, boom, drive, drive. You say I spend a lot.

• 1:29:31Speaker 03

  I spend fifty dollars a week, so.

• 1:29:34Caleb Hammer?

  That's a lot? Oh, my.

• 1:29:38Caleb Hammer?

  I, yeah, I, yes, it's expensive, but you were gonna make it sound like it's a thousand hours in gas. Car insurance?

• 1:29:44Speaker 03

  That's included.

• 1:29:45Caleb Hammer?

  Oh, my goodness. What is wrong with you? How do groceries work for the house?

• 1:29:49Speaker 03

  He takes care of them.

• 1:29:50Caleb Hammer?

  Oh, my goodness. Listen, TP fund, anything else you need to survive, a hundred fifty bucks. Sure, whatever. Medical health care, their co-pays?

• 1:29:56Speaker 03

  Yes.

• 1:29:56Caleb Hammer?

  Hopefully, a dramatic amount of therapy, except they're probably enabling you, but go ahead. How much? What's your co-pays?

• 1:30:01Speaker 03

  Twenty-five a therapy session.

• 1:30:03Caleb Hammer?

  How many therapies?

• 1:30:04Speaker 03

  So, once a month.

• 1:30:06Caleb Hammer?

  Yeah, double it up, triple it up, quadruple it up, or see a different therapist. I don't know. Gym?

• 1:30:12Speaker 03

  None.

• 1:30:12Caleb Hammer?

  And I know you don't feel encouraged to go because you think you're perfect, so.

• 1:30:15Speaker 03

  I don't feel encouraged to go at all.

• 1:30:17Caleb Hammer?

  Well, good. He'll be very happy when you drop that at sixty-five. Subscriptions, forty bucks. Pets? Yeah, get some pet insurance. Does he pay for that or you?

• 1:30:24Speaker 03

  Yes, he does, and we have pet insurance.

• 1:30:27Caleb Hammer?

  How much for pet food?

• 1:30:28Speaker 03

  I spend fifty dollars a month.

• 1:30:30Caleb Hammer?

  Wow, that's your super crazy contribution? How much for the every month and a half grooming?

• 1:30:37Speaker 03

  It is a hundred and sixty for both of them every six weeks.

• 1:30:45Caleb Hammer?

  Okay.

• 1:30:49Caleb Hammer?

  Oh, for a hundred bucks a month, that's a great contribution. How much for the dog walker?

• 1:30:54Speaker 03

  About fifty dollars a week.

• 1:30:59Caleb Hammer?

  Okay, anything else that needs to be in this budget?

• 1:31:03Speaker 03

  Not that I can think of.

• 1:31:04Caleb Hammer?

  How much hairspray?

• 1:31:07Speaker 03

  That was the... That's about thirty-five dollars a hairspray can.

• 1:31:13Caleb Hammer?

  And you go through one a day?

• 1:31:14Speaker 03

  I go through about one a month, okay?

• 1:31:17Caleb Hammer?

  Is that true? Okay, well, that's in your TP fund, which actually I would need to update your TP funds called two hundred bucks.

• 1:31:26Caleb Hammer?

  Which I'll add fifty bucks. Okay, now, listen, I mean, sure, you have money left over, but you're just not gonna do anything. You're gonna get your coffee. You're gonna be a dumb. This is like, whatever, okay?

• 1:31:37Caleb Hammer?

  Four hundred eighty-two dollars and eighty-three cents left over. Sure, why not? Thirty-three thousand, seven hundred sixty-seven dollars and twenty-three cents minus the four thousand three hundred sixty-seven dollars of student loans. With this, four eighty-two a month, pay off your debt. I mean, it's just fine because he's subsizing everything. Five years isn't that bad because he'll pay for you guys to go out to eat and stuff. That's if you actually follow this. Just don't spend money on bullshit. Pay off your debt. You'll be debt-free. Get a fully funded emergency fund, I guess, for your side. Then you need to start contributing to retirement. Fuck this renovation. Maybe do some things as you need them along the way together. You guys just need to be together. This is just, this is so fucking stupid. I don't know. I don't know. We might call him in the post-show

• 1:32:22Caleb Hammer?

  to figure out what is his thoughts after all this, but you can pay that off. He'll treat you. He'll give you the luxuries. You, all your money needs to go to taking care of your views now. I just don't think it's gonna happen. I hope it does. Let's get your hammer financial score. Spending in a budget, only overspent, zero out of ten. Debt, no collections, but isn't there IRS debt? Oh, sorry. We'll talk about that in the post-show. Where was that? I didn't even see. Well, it's a zero out of ten. It's a zero out of ten. We'll talk about that in the post-show. Kill me now. Emergency fund, nothing in savings, zero out of ten. It's like two hundred bucks. Retirement, one out of ten. Dramatically buying real estate. You're not on title, zero out of ten. Call. Hammer Financial Score rounded out point five out of ten. Get yours at CalebHammer.com. Now click that join button for three premium shows posted every single day, six days a week, for an extra twenty minutes of this episode.

• 1:33:06Caleb Hammer?

  The Financial Auto Post Show, we gotta talk about the IRS then, probably call back the husband. What the? So what the is going on with this IRS debt?

• 1:33:12Speaker 03

  While I was previously

• 1:33:15Speaker 03

  And I wasn't saving enough money to pay my taxes.

• 1:33:19Caleb Hammer?

  And you just found out?

• 1:33:21Speaker 03

  I had a payment plan set up. I thought.

• 1:33:24Caleb Hammer?

  I thought I was making payments on this. I thought this. I thought this. What the? Don't forget, the summer budget reset is now live. Get a full year of Dollar Wise Premium, plus my four bestselling educational courses, and a digital copy of my budget-friendly cookbook, and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67% off everything! So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.

• 1:33:56Speaker 06

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' health care to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com. Not authorized by any candidate or candidate's committee.