Financial Audit’s Most Special Guest

▶lol we pull up his "dating apps" and go through the chats by his request and something... uhh... pops up that was not supposed to. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 ▶▶▶ ▶ You can still take advantage of our Memorial Day Sale—get 30% off the Master Your Money Bundle at https://calebhammer.com/classpack/ or grab any individual course from the Master Series for 20% off here: https://bit.ly/master-courses Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *30% off* https://calebhammer.com/classpack/ 2. *Our budgeting program *20% off*: https://calebhammer.com/budget 3. Our investing class and I’ll give you a $100 towards investing *20% off*: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn how *20% off*: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property *20% off*: https://calebhammer.com/realestate/ ___________________________________________ Our Little Secret 🤫 : https://dollarwise.com/ ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:55Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How much do you normally pay on the OF?

• 1:01Speaker 03

  Do we three months?

• 1:02Caleb Hammer?

  Why does all this when we get to that?

• 1:03Speaker 04

  More extra photos to get off? Okay, there's about 50 different people on here. Danny Twink, XX Cash. There was maybe 50, there has to be 100. Happens when you graduate with a special diploma.

• 1:17Caleb Hammer?

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

• 1:31Speaker 03

  My name is Dax. I'm 39 years old from Oklahoma City. And we are about to do financial audit.

• 1:37Caleb Hammer?

  We're about to do, and now we are. We're here, Financial Audit. Thanks for coming down. What do you do out there for a living?

• 1:42Speaker 03

  I am a truck driver.

• 1:43Caleb Hammer?

  Cool. Long haul, short haul.

• 1:45Speaker 03

  All over.

• 1:45Caleb Hammer?

  We're hauling. We're hauling everywhere? Okay. Long haul can be some money. How we doing?

• 1:51Speaker 03

  Okay.

• 1:52Caleb Hammer?

  What's your, what's your income?

• 1:54Speaker 03

  4,700 a month.

• 1:56Caleb Hammer?

  Okay, is that net or are we talking gross?

• 1:57Speaker 03

  That's after taxes.

• 1:59Caleb Hammer?

  Okay, 4,700 a month. And we're talking $56,400 a year. Now, Oklahoma City, though, as far as major cities go, not really known for being the more expensive one.

• 2:11Speaker 03

  No, relatively cheap.

• 2:12Caleb Hammer?

  So how we living? Especially if you're just on, okay, how often are you on the road versus having to stay at your apartment? Or whatever.

• 2:18Speaker 03

  I live all the time.

• 2:19Caleb Hammer?

  Okay. So you probably don't need anything too crazy.

• 2:21Speaker 03

  Probably home maybe once a month.

• 2:24Caleb Hammer?

  Really? Okay.

• 2:25Speaker 03

  Depends.

• 2:26Caleb Hammer?

  So how we doing?

• 2:28Speaker 03

  Could be better.

• 2:29Caleb Hammer?

  Why?

• 2:31Speaker 03

  This is a struggle. You know, I had a partner that I was with.

• 2:35Caleb Hammer?

  Yeah.

• 2:35Speaker 03

  And I was basically paying all the bills with no help.

• 2:41Caleb Hammer?

  Sugar daddy?

• 2:43Speaker 03

  Yeah.

• 2:44Caleb Hammer?

  Wait, actually?

• 2:46Speaker 03

  I guess you could say that.

• 2:47Caleb Hammer?

  Really?

• 2:48Speaker 03

  I guess you could say that. He was thirty-two.

• 2:53Caleb Hammer?

  Little twink?

• 2:55Speaker 03

  Uh, not really. Little dickums.

• 2:57Caleb Hammer?

  So that's, this is what I picture. What's he called?

• 2:59Speaker 03

  Dickums?

• 3:00Caleb Hammer?

  Yeah. Oh, bears.

• 3:03Speaker 03

  Bears.

• 3:05Speaker 03

  Not, he wasn't a bear, but you know.

• 3:08Caleb Hammer?

  Sure. Okay, cool.

• 3:10Speaker 03

  A twunk.

• 3:10Caleb Hammer?

  Well, wait, why did sugar baby leave sugar daddy? Or did sugar daddy leave sugar baby? Who cut up the check first?

• 3:20Speaker 03

  I did.

• 3:21Caleb Hammer?

  You cut up the check? Why'd you cut up the check?

• 3:23Speaker 03

  No help financially.

• 3:25Caleb Hammer?

  Wasn't performing sugar baby responsibilities?

• 3:28Speaker 03

  Uh, just helping with bills.

• 3:31Caleb Hammer?

  Oh, okay, so.

• 3:32Speaker 03

  You know.

• 3:34Caleb Hammer?

  Interesting. So what expectations were there going into that relationship then?

• 3:41Speaker 03

  Uh, there was supposed to be help.

• 3:42Caleb Hammer?

  How much help?

• 3:43Speaker 03

  Uh, half of everything.

• 3:46Caleb Hammer?

  Oh, so it was intended to be a real relationship?

• 3:48Speaker 03

  Yes.

• 3:48Caleb Hammer?

  Oh, okay, so. Okay, misread that, that's okay.

• 3:55Caleb Hammer?

  How long were you guys together? Why are you saying because of him, because of little not bear chub? Not twink. All finances are.

• 4:05Speaker 03

  They're, they are.

• 4:08Caleb Hammer?

  But you said because of him.

• 4:11Speaker 03

  I did calculate what I had for rent for the past like five or six years, been about seventy thousand dollars.

• 4:16Caleb Hammer?

  How can we even hold on a relationship regardless of sugar baby, sugar daddy situation, or real fake, whatever? For on the road, like.

• 4:25Speaker 03

  Uh, my stupidity of not

• 4:29Speaker 03

  ending it?

• 4:31Speaker 03

  And hoping it would get better.

• 4:33Caleb Hammer?

  But you were the one that ended it, so like.

• 4:36Speaker 03

  Yeah, years later.

• 4:38Caleb Hammer?

  And plus, when you're on the road, you got a lot of like lot lizard, I guess lot snakes in your case.

• 4:43Speaker 03

  Never seen a lot lizard or a lot snake.

• 4:45Caleb Hammer?

  Really?

• 4:46Speaker 03

  Actually, I'll say back, I haven't approached once, but it took about six years.

• 4:50Caleb Hammer?

  Well, that's my retirement plan, so.

• 4:53Caleb Hammer?

  You'll catch me out there. But, okay, so again, you're blaming this on that relationship. I want to confirm.

• 5:02Speaker 03

  Yes.

• 5:03Caleb Hammer?

  Okay, because how?

• 5:05Speaker 03

  I was paying everything, literally what came in went right back out for bills.

• 5:10Caleb Hammer?

  Okay, cheaper area, I get it. Bills, mandatory bills or what sugar baby wanted?

• 5:14Speaker 03

  Mandatory bills.

• 5:15Caleb Hammer?

  Okay, what was the mandatory bill?

• 5:17Speaker 03

  Rent, car payments, insurance, cellphone.

• 5:20Caleb Hammer?

  Double car payments, you're paying his car payment?

• 5:22Speaker 03

  No.

• 5:23Caleb Hammer?

  So, okay, why is the rent situation different now that you guys aren't together?

• 5:28Speaker 03

  Hmm.

• 5:29Caleb Hammer?

  So it's not really sounded like it's his fault because he would, whether or not someone lives there, you're still paying the rent.

• 5:35Speaker 03

  Right, but I was paying the rent, he wasn't paying anything.

• 5:38Caleb Hammer?

  Yeah, and now he still isn't because he's not there and it sounds like the rent situation hasn't changed. No, do you understand what I'm saying? Regardless if he was there or not, we're still dealing with the same thing. So it's like, was it really because of him or because you're living in, you have a place that you just simply can't afford? Still, when did you guys break up?

• 5:59Speaker 03

  Probably six or seven months ago.

• 6:01Caleb Hammer?

  Well, there you go, you could have had a different place by now, so what's your rent?

• 6:05Speaker 03

  Thirteen eighty.

• 6:07Caleb Hammer?

  Okay, well, no, what's the, what's the major issue here? I'm not saying that's like, like, oh, wow, pennies, but you know, we're talking thirty percent, you're kind of thirty percent of net or where you would want to be for rent. I'm confused, even if he's not chipping and then you're not paying for his car because there is no car payment for you to pay for of his. I, I, I don't get it. What's the, what's the immediate deflection and blame onto not twink, not chub?

• 6:34Speaker 03

  There, I was, my car, my car payment, so he was adding all the miles. I was paying all the maintenance.

• 6:40Caleb Hammer?

  Yeah, but you still have it regardless, right? Did you buy it before him?

• 6:44Speaker 03

  Yes.

• 6:47Caleb Hammer?

  Sounds like an immediate deflection, not the best way to get a conversation started on financial audit, I'll be honest. Go on, how, how was it his fault? The ex?

• 6:58Speaker 03

  Uh, with not having the bills.

• 7:01Caleb Hammer?

  What bills? We already established the bills you would have had and did have and still have.

• 7:06Speaker 03

  Credit cards. I would be swiping.

• 7:08Caleb Hammer?

  Was him swiping?

• 7:09Speaker 03

  No, he didn't have access.

• 7:12Caleb Hammer?

  What are we talking about, guy? Mr. Fucking Dax. What are we on? Hello, your cute dogs in the studio. Hopefully the top down mic just picked up the pups. Very cute. But what the are you talking about? You just said he wasn't swiping. So why would he? It just makes sense. These are all your bills.

• 7:29Speaker 03

  No, but he wanted to go back to school. So I was like, you can go back to school. Don't worry about the bills.

• 7:36Caleb Hammer?

  Your bills?

• 7:37Speaker 03

  Well, our bills at the time.

• 7:39Caleb Hammer?

  You aren't married. It was your bills, your lease, you had that.

• 7:42Speaker 03

  Well, he was on the lease also.

• 7:43Caleb Hammer?

  Your car payment. Okay. Well, that part's a little different, but your car payment, your credit cards. Why would he be paying for your credit cards if he wasn't spending on your credit cards?

• 7:49Speaker 03

  He wasn't paying for my credit cards.

• 7:50Caleb Hammer?

  I know, but you brought that up as an example.

• 7:53Speaker 03

  Right.

• 7:54Caleb Hammer?

  Go on. He wanted to go to school.

• 7:56Speaker 03

  So I said, you know, how long is it? I think it was like six months or so. And hoping that that would improve his income.

• 8:04Caleb Hammer?

  Going to school?

• 8:05Speaker 03

  Yeah. Cause he couldn't find anything.

• 8:07Caleb Hammer?

  That's not what improves income. It's graduating and getting into a career field, not just attending. And six months isn't usually a, unless, did he go to a poop camp? Did he go to?

• 8:16Speaker 03

  No, it was a, um.

• 8:18Caleb Hammer?

  Trade school?

• 8:19Speaker 03

  I guess it was a trade school, but it was at a community college.

• 8:22Caleb Hammer?

  For what?

• 8:23Speaker 03

  Aesthetics.

• 8:28Caleb Hammer?

  What income do you make off of that? Well, I guess I'm not auditing him, but that sounds a little silly. I'll be honest, but again, I really, uh, you kicked out this conversation with blaming the dude.

• 8:42Speaker 03

  Yeah.

• 8:45Caleb Hammer?

  Still haven't exactly seen how, seen how.

• 8:47Speaker 03

  Would always send money also. What if he didn't? Have money, I'd send money through.

• 8:52Caleb Hammer?

  So that's the sugar daddy situation.

• 8:55Speaker 03

  Yeah.

• 8:57Speaker 03

  Only gas, can't get to work or need food. The other dog needs food.

• 9:04Caleb Hammer?

  Okay.

• 9:06Caleb Hammer?

  Well, I don't, it doesn't sound like. If we equate this entire situation to just him, that still doesn't seem right. I'll be honest. It sounds like self.

• 9:17Caleb Hammer?

  I don't know. It just sounds like deflection extreme. Okay. What's, what's going on? What's going on, man? What are we talking about?

• 9:27Speaker 03

  I guess just the whole debt situation sucks.

• 9:31Caleb Hammer?

  Yeah.

• 9:33Speaker 03

  There's a lot. I've calculated.

• 9:36Caleb Hammer?

  What'd you calculate?

• 9:37Speaker 03

  Um, in total with everything, eighty seven thousand.

• 9:45Caleb Hammer?

  Yeah. Okay. You have a big push to get out of debt? Like, what are we trying to do? Okay, good, because that gives us a reason to actually move forward. What is it?

• 9:55Speaker 03

  Just the way the economy is.

• 9:59Speaker 03

  And

• 9:59Caleb Hammer?

  That's your push to get out of debt? I'm confused. What are you talking about? Talking about automation replacement? Like autonomous drivers for long haul? Like, what are you talking about?

• 10:08Speaker 03

  The debt situation? Seems like there's a financial collapse like every eight to 10 years. And even with truck drivers, there's still being

• 10:17Caleb Hammer?

  Economic collapse across the board?

• 10:19Speaker 03

  You know.

• 10:20Caleb Hammer?

  Were you just talking long haul?

• 10:21Speaker 03

  No, just in general. Every eight to 10 years, there's not a

• 10:25Caleb Hammer?

  Oh, every eight to 10 years, like a recession?

• 10:27Speaker 03

  Right.

• 10:28Caleb Hammer?

  But not like a great recession type of collapse?

• 10:31Speaker 03

  Still there, still there.

• 10:32Caleb Hammer?

  But, I mean, we've more than recovered. Like, that's not It's not great. It's very hard for a lot of people. What did unemployment go up to? Like 10%? 12%? I mean, it was very hard. A lot of people lost their homes, obviously, it was the mortgage crisis.

• 10:46Speaker 03

  Losing their homes and

• 10:48Caleb Hammer?

  Yeah. That, huh?

• 10:50Speaker 03

  Even as truck drivers.

• 10:52Caleb Hammer?

  Okay, but what is this big fear you have? Specifically?

• 10:56Speaker 03

  Debt in general.

• 10:57Caleb Hammer?

  Okay.

• 10:58Speaker 03

  And possibly being laid off.

• 11:00Caleb Hammer?

  Yeah, that is scary. Why do you have debt then?

• 11:04Speaker 03

  I like to get out of the debt to be able to have the weight loss surgery.

• 11:07Caleb Hammer?

  Okay, how much is that gonna cost?

• 11:09Speaker 03

  Yeah, I've calculated. If you go down to Mexico, it's about four grand, five grand.

• 11:14Caleb Hammer?

  Okay, but we should be able to budget that within our How long have you been trying to do this?

• 11:20Speaker 03

  Not long. Maybe three months or so.

• 11:23Caleb Hammer?

  Okay.

• 11:24Speaker 03

  I mean, I thought about the whole issue of, you know, what the recovery is, what

• 11:30Caleb Hammer?

  Yes, how are you gonna do a long haul with that?

• 11:32Speaker 03

  You're not. I'm gonna take time off.

• 11:34Caleb Hammer?

  Okay, you have paid time off?

• 11:35Speaker 03

  No. I would have to save for it also.

• 11:38Caleb Hammer?

  Wait, how much do you have stacked up?

• 11:40Speaker 03

  Nothing.

• 11:41Caleb Hammer?

  How?

• 11:43Speaker 03

  I mean,

• 11:44Caleb Hammer?

  Do you take time off all the time? Or do you not get it?

• 11:46Speaker 03

  I mean, I get it, what I want it.

• 11:47Caleb Hammer?

  Then where to go?

• 11:48Speaker 03

  Swiping.

• 11:49Caleb Hammer?

  Because that's like, huh?

• 11:51Speaker 03

  Swiping.

• 11:53Speaker 03

  Like my debit card, credit cards.

• 11:56Caleb Hammer?

  That's taking time off?

• 11:58Speaker 03

  I mean, when I go home, I spend about $400 or so.

• 12:02Caleb Hammer?

  I'm asking where your paid time off accrue has gone.

• 12:05Speaker 03

  I don't have paid time off.

• 12:06Caleb Hammer?

  Oh, I thought you said you do. Well, you know, you told me you had to accrue some.

• 12:09Speaker 03

  No, I can't.

• 12:10Caleb Hammer?

  You mean money?

• 12:11Speaker 03

  I can take, yeah, I can take time off.

• 12:13Caleb Hammer?

  Okay, so you're just talking about getting a stockpile to pay for bills. Well, you take that, okay, and that's a few thousand, that's a couple of months, right? For surgery?

• 12:25Speaker 03

  Surgery can be, you can probably be back within maybe three weeks, but I want to take longer off just to be sure.

• 12:32Caleb Hammer?

  Yeah, because that sounds like that's a big push, plus you're on a pretty strict diet after that, too. Which I know diet often gets complicated when on the road.

• 12:41Speaker 03

  Yes.

• 12:42Caleb Hammer?

  So.

• 12:42Speaker 03

  Should we divulge?

• 12:43Caleb Hammer?

  Then why the are you possibly in this much debt?

• 12:47Caleb Hammer?

  How have you accumulated this much debt?

• 12:49Speaker 03

  Years.

• 12:51Caleb Hammer?

  How long?

• 12:52Speaker 03

  Four years, five years, probably.

• 12:53Caleb Hammer?

  The fuck are you doing before that, then?

• 12:56Speaker 03

  Same thing.

• 12:58Caleb Hammer?

  What do you mean? So you've been accruing it since like 18? All this is since 18?

• 13:03Speaker 03

  No, because I've filed bankruptcy before.

• 13:05Caleb Hammer?

  You've been through bankruptcy? Then why the are we here?

• 13:11Speaker 03

  Because I don't want to get back into it.

• 13:13Caleb Hammer?

  Get back into what?

• 13:14Speaker 03

  I don't want to file bankruptcy again.

• 13:15Caleb Hammer?

  Why?

• 13:16Speaker 03

  Because this is actually easier than it was the last time. The first time I filed was only about 20,000 for the bankruptcy. That was discharged.

• 13:28Caleb Hammer?

  Why'd you go through bankruptcy last time?

• 13:29Speaker 03

  It was a piece of cake, though. I know you disagree with it.

• 13:33Caleb Hammer?

  Disagree with what?

• 13:35Speaker 03

  Bankruptcy.

• 13:36Caleb Hammer?

  What are you talking about?

• 13:37Speaker 03

  Don't you always tell people, oh, it's hard or it's easy to file bankruptcy?

• 13:43Caleb Hammer?

  Those are completely opposite. What do, what do I say according to you? Is it easy or hard? Because you just said both.

• 13:47Speaker 03

  You just said.

• 13:48Caleb Hammer?

  They're very different.

• 13:49Speaker 03

  You disagree with it, right?

• 13:51Caleb Hammer?

  Disagree with what? Bankruptcy?

• 13:53Speaker 03

  Yes.

• 13:53Caleb Hammer?

  I would like you to tell me what my opinion is, since you're going to try to start something.

• 14:01Speaker 03

  You think it's difficult and it takes too long.

• 14:06Caleb Hammer?

  I've mentioned through the process that it can be stressful. I'm not usually using that as a determining factor and it's definitely on your credit for a long time. Sure.

• 14:15Speaker 03

  Yeah.

• 14:16Caleb Hammer?

  But no, just like debt consolidation, I say it can be a good tool, but not if you don't change your behavior. And guess what?

• 14:24Caleb Hammer?

  An example, if I've ever seen one, you didn't change your behavior, went through bankruptcy. Now you're right back where you were before bankruptcy. So it did absolutely nothing.

• 14:32Speaker 03

  Correct.

• 14:33Caleb Hammer?

  How quickly did you start fucking yourself after bankruptcy?

• 14:36Speaker 03

  After the banker was discharged, probably

• 14:41Speaker 03

  three years after.

• 14:44Caleb Hammer?

  Okay. Why'd you start getting back into debt?

• 14:47Speaker 03

  Didn't even start till the relationship.

• 14:50Caleb Hammer?

  Yeah, but I don't really think that's him. Come on, unless you were just going crazy.

• 14:57Speaker 03

  Only possible.

• 15:00Caleb Hammer?

  For him spoiling, I don't know.

• 15:04Speaker 03

  Yeah.

• 15:04Caleb Hammer?

  But again, you signed the rent, you got on the rent together, but even still, if you were just renting with yourself, this is not a crazy rent regardless. It's 29% of your net income. You had the car payment before, you still have all these things. That was not him. That is not him.

• 15:24Speaker 03

  I think it is, so.

• 15:26Caleb Hammer?

  But you're not able to give me a reason how?

• 15:31Caleb Hammer?

  You couldn't give me even what I thought about bankruptcy.

• 15:36Caleb Hammer?

  Can you give me a reason somehow how it's his fault?

• 15:39Speaker 03

  What, the bankruptcy?

• 15:42Caleb Hammer?

  The finances that you're in post bankruptcy, you said it started with him, ended with him, and it's still his fault, even though I just brought up points on how it's not. So if you're gonna say that, defend it, back it up. If you are walking around, if you are sitting, if you're going to bed at night saying all this is because of him, you haven't come up with a logical backing behind that?

• 16:05Speaker 03

  No, just I guess the whole swipe thing, just not giving a fuck.

• 16:09Caleb Hammer?

  You're not willing to take accountability ever. You went through bankruptcy instead of actually dealing with your shit, changing your behavior. You, now you're just blaming all this on him?

• 16:19Speaker 03

  Yeah.

• 16:20Caleb Hammer?

  Right.

• 16:23Caleb Hammer?

  So sending your ex money, you said you did that. How often, how much, what?

• 16:29Speaker 03

  The amount varied.

• 16:32Speaker 03

  Twenty dollars, a hundred dollars, two hundred dollars.

• 16:35Caleb Hammer?

  How frequently? What are we talking monthly average? Cause also that is you choosing to do it. That is you choosing to do it still, though.

• 16:41Speaker 03

  It is. I couldn't give you an exact amount. It's, I don't know. Like, per month, probably?

• 16:51Speaker 03

  I don't know, a thousand?

• 16:53Caleb Hammer?

  Why?

• 16:55Speaker 03

  He was working but wasn't working. He didn't have enough hours.

• 16:59Caleb Hammer?

  He, he, he, he, he, he, he. Okay, what was his job?

• 17:02Speaker 03

  He was, I believe he was working at the airport at that point.

• 17:08Caleb Hammer?

  May I do something?

• 17:09Speaker 03

  Sure.

• 17:10Caleb Hammer?

  What's your relationship with him?

• 17:11Speaker 03

  There isn't more relationship.

• 17:13Caleb Hammer?

  Can I call him on my phone? Will he agree with your story?

• 17:17Speaker 03

  Probably not. And he probably won't answer because he's at work.

• 17:20Caleb Hammer?

  I can triple call.

• 17:22Speaker 03

  He won't answer. I mean, you can try, but.

• 17:26Caleb Hammer?

  But we tried to call the ex, but maybe we'll try to call again in the post-show. Remember, in our timeline, this is live, so. Uh, okay, so not a single ounce of accountability to your name. I get it. I get it. I mean, it says you calculated how much rent you've paid over the past five years and you're like seventy thousand dollars. And it's just you paying rent, dude. I mean, since I, I, I don't get it.

• 17:52Speaker 03

  Paying half of it, that wouldn't be as much as seventy thousand. It'd be half.

• 17:59Caleb Hammer?

  I know, but still, it's a pretty normal rent for your income, is all I'm saying. It's not the end of the world. If you were just budgeting, if you ever budgeted, do you budget?

• 18:07Speaker 03

  I do budget.

• 18:09Caleb Hammer?

  Then what the is going wrong?

• 18:11Speaker 03

  Just.

• 18:12Caleb Hammer?

  Congratulations, you budget. Uh, four thousand seven hundred dollars comes in on a monthly basis. How much, how much went out last month? How much was spent in total that includes on debt? You budget, you should know. I want down to the dollar.

• 18:23Speaker 03

  That should be thirty nine hundred?

• 18:25Caleb Hammer?

  Nine thousand seven hundred twenty-six. What the are you talking about?

• 18:28Speaker 03

  How the?

• 18:29Caleb Hammer?

  Yep. What the are you talking about?

• 18:33Caleb Hammer?

  Yeah, that's really all the ex?

• 18:35Speaker 03

  Well, no, because I have to go to cards.

• 18:38Speaker 03

  And after bankruptcy, I bought a new car.

• 18:41Caleb Hammer?

  Immediately?

• 18:42Speaker 03

  After discharge.

• 18:43Caleb Hammer?

  Car debt?

• 18:44Speaker 03

  Yeah, after discharge, probably two weeks, if that.

• 18:50Caleb Hammer?

  What was the point, dude? Did you not learn a thing?

• 18:53Speaker 03

  Apparently not.

• 18:54Caleb Hammer?

  That's why I'm against it. That's when I'm against it. I'm not against it as a tool. I'm against it using it in a stupid thing because now you have all this bad credit and then the bad credit from the bankruptcy. Now it's all just stupid. You don't learn anything. Now you can't even afford a surgery to save your damn life.

• 19:11Speaker 03

  I know, I'm a fat.

• 19:13Caleb Hammer?

  Well, me too.

• 19:15Speaker 03

  What are those Cs? There?

• 19:20Caleb Hammer?

  Double As?

• 19:22Speaker 05

  I mean.

• 19:23Caleb Hammer?

  As?

• 19:24Speaker 03

  A.

• 19:25Caleb Hammer?

  Dude, I'm at A level, man.

• 19:27Speaker 03

  Well, then we're together.

• 19:30Caleb Hammer?

  Hmm.

• 19:32Speaker 03

  Also, I want to move out to Florida.

• 19:35Caleb Hammer?

  Okay. Is that cheaper than Oklahoma? I mean, are you gonna have the same job?

• 19:40Speaker 03

  Yeah, I'll stay where I'm at. I'm over the road.

• 19:44Caleb Hammer?

  Oh, you mean your job?

• 19:45Speaker 03

  Yes.

• 19:45Caleb Hammer?

  You'll stay where you're at?

• 19:46Speaker 03

  Right.

• 19:47Caleb Hammer?

  I was gonna say, I don't know if you know, this Oklahoma city is not, in fact, in Florida. Okay, so what does that change? Is that now more expensive or is it more expensive?

• 19:58Speaker 03

  About eight hundred dollars a month for rent.

• 19:59Caleb Hammer?

  More?

• 20:00Speaker 03

  No.

• 20:01Caleb Hammer?

  Where in Florida?

• 20:02Speaker 03

  Uh, back home with mom.

• 20:05Caleb Hammer?

  Mom?

• 20:06Speaker 03

  Yeah.

• 20:07Caleb Hammer?

  Oh, okay. I mean, no offense, but I mean, why? I mean, at forty, that's a little, at least culturally for us, a bit like on the, ooh, like, why?

• 20:19Speaker 03

  Never home. What's the point of having a rent?

• 20:22Caleb Hammer?

  I can kind of vibe with that, but you're still a forty year old moving back in with mom.

• 20:27Caleb Hammer?

  And you're not making bad income. And you only yourself after bankruptcy and tried to pin it all on your ex. So.

• 20:35Speaker 03

  What's the point of paying a rent, though? I'm never really home.

• 20:38Caleb Hammer?

  It's less about that. Again, it's the, it's the full picture. It's the, you're never getting anywhere, it seems, other than your destination in the truck. It's, I, I don't know, it's just like going back home at forty, I vibe with at least like, hey.

• 20:57Speaker 00

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

• 21:21Caleb Hammer?

  I have that overhead of rent.

• 21:23Speaker 03

  And it would only be 800, it wouldn't be anything else. So there wouldn't be power. That's just flat 800.

• 21:30Caleb Hammer?

  Why? I have a note saying that you also blamed it on your ex before the last ex, saying that it was financially draining. I think that's you. What was financially draining about the ex before the ex?

• 21:41Speaker 03

  Same issue.

• 21:42Caleb Hammer?

  Okay, something tells me that one, you're not able to take accountability, or two, people just milk you for money.

• 21:48Speaker 03

  That's what it seemed like.

• 21:49Caleb Hammer?

  No, I think it's you don't know how to fucking control yourself. Listen, you blame it on everyone except for yourself. Then you move in with mommy.

• 21:58Speaker 03

  I would be among with mommy.

• 22:00Caleb Hammer?

  No, but again culturally a 40, in relation to everything else, while going through bankruptcy, building all the way back up again, deflecting it on two exes. It's like, if you're going to live with mom because we're rock bottom because of things we couldn't control, that's different. You've gone through this process, you deflect it, haven't taken responsibility once, and then you go and move in with mom. Come on, that's a completely different picture.

• 22:25Speaker 03

  Could be. I think it could do better, though.

• 22:29Caleb Hammer?

  Could be better?

• 22:29Speaker 03

  Could do better.

• 22:31Caleb Hammer?

  So why don't you? What?

• 22:34Speaker 03

  Because I'm going to, moving back to the mom.

• 22:39Caleb Hammer?

  That's could do better?

• 22:41Speaker 03

  Yeah.

• 22:42Caleb Hammer?

  You're just gonna spend that extra you're not separating. Look, you spent 9,000 again.

• 22:48Speaker 03

  I don't know how I spent 9,000.

• 22:50Caleb Hammer?

  Math.

• 22:54Speaker 03

  Is that for every? Well, that's for the credit card, but I'm saying is that,

• 23:00Speaker 03

  was it looked at correctly with what was just spent on that one month and not?

• 23:05Speaker 03

  Hmm.

• 23:08Caleb Hammer?

  Uh huh.

• 23:10Speaker 03

  Wow, that's fucking wild.

• 23:12Caleb Hammer?

  I thought you're the budgeter.

• 23:14Speaker 03

  I am for the bills, but.

• 23:16Caleb Hammer?

  Budgeter.

• 23:17Speaker 03

  When it comes to swiping, it's just.

• 23:18Caleb Hammer?

  What the, what's the point of the half budgeting? What does that doesn't get us anywhere? Look where it got you.

• 23:25Caleb Hammer?

  Why only budget half your expenditures? That doesn't make any sense.

• 23:29Speaker 03

  So I said, just do the minimum on my credit cards.

• 23:34Speaker 03

  And I use more than the minimum to swipe, so.

• 23:39Caleb Hammer?

  So what do you think your financial score is then? Zero to 10, 10 being the best, zero being the worst? Where do you think you are today?

• 23:46Speaker 03

  Uh, I did the thing online. It was a zero.

• 23:51Caleb Hammer?

  Yeah, that makes sense.

• 23:52Speaker 03

  Also, that was probably like, I don't know, like six months ago? But it's still a zero.

• 23:56Caleb Hammer?

  Great, so no progress in six months? That's lovely when you don't even have your ex with you. Yeah, it's all their fault. If you want the assessment and you're not blaming everything on your ex, all you have to do is go to Calebhammer.com. You can take it, get your financial score. And if you want to come on, just go to Calebhammer.com slash apply. And don't forget, if you don't want to be like the guest, download the budgeting app, sign up for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly to your door. We are going to talk. We are going to talk about a, a zero dollar.

• 24:32Speaker 03

  It's not zero anymore.

• 24:34Caleb Hammer?

  Oh, for sake, what is it?

• 24:37Speaker 03

  Five fifty one.

• 24:38Caleb Hammer?

  Why? You have a zero dollar debt here. You're not with the person that you blame anymore. Why is it off?

• 24:45Speaker 03

  My food.

• 24:47Caleb Hammer?

  What, what?

• 24:49Speaker 03

  You gotta eat.

• 24:50Caleb Hammer?

  Oh, you gotta fucking eat? How are you gonna survive after weight loss surgery, you tit?

• 24:55Speaker 03

  Not eat.

• 24:57Caleb Hammer?

  You can't do that now.

• 25:01Speaker 03

  I mean.

• 25:01Caleb Hammer?

  This way, you literally had a zero dollar debt in front of me and you're telling me it's 500 something?

• 25:06Speaker 03

  Yeah.

• 25:07Caleb Hammer?

  Come on. Weight loss surgery is gonna be like bankrupt. So you're gonna get it and then you're gonna blow in your stomach again.

• 25:15Caleb Hammer?

  No?

• 25:16Speaker 03

  I mean, it is possible.

• 25:18Caleb Hammer?

  Look at your entire behavior and the sentence you just said. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, YRefi is here to help. Unlike traditional lenders, YRefi is focusing on your desire and ability to repay not just your credit score. With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments. YRefi also provides a cosigner release program, giving you and your family peace of mind. Their dedicated representatives walk you through each step and train you feel supported and informed throughout the process. Thousands of clients have experienced relief and YRefi's 4.6 star rating on Google speaks to the service and guidance they provide.

• 25:59Caleb Hammer?

  This is more than just refinancing, it's a chance to regain control of your financial future. If you're ready to work toward a more manageable student loan payment, visit yrefy.com. Discover how their tailored approach can reduce your stress, lower your interest, and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to Y R E F Y dot com slash hammer, that's YRefi dot com slash hammer. Or call 888 Y REF I dash 78, that is 888 Y REF I dash 78, and see how they can help you move forward with confidence.

• 26:31Speaker 03

  It's possible.

• 26:33Caleb Hammer?

  I would say it's very possible. Let me see your phone, pull up this statement.

• 26:38Speaker 03

  For that one?

• 26:38Caleb Hammer?

  Did you fart?

• 26:39Speaker 03

  No, it's probably this guy right here.

• 26:42Caleb Hammer?

  I know human farts.

• 26:44Speaker 03

  Well, you say so.

• 26:46Caleb Hammer?

  Maybe I farted.

• 26:47Speaker 03

  Myself?

• 26:50Speaker 03

  There's two selves, so.

• 26:52Caleb Hammer?

  Oh, whatever has the balance on it.

• 26:54Speaker 03

  They both do.

• 26:56Caleb Hammer?

  Oh, for fuck's sake, you have to one at a time then?

• 27:00Speaker 03

  Previous one.

• 27:01Caleb Hammer?

  Do you enjoy trucking? Is it fun?

• 27:05Speaker 03

  I enjoy, I enjoy driving.

• 27:07Caleb Hammer?

  If you're ever home, you can't form relationships.

• 27:09Speaker 03

  No, that's why I'm probably not gonna have one next, moving myself.

• 27:14Caleb Hammer?

  Okay, I guess it fits with the debt. You're talking about 500, I see 1,880.

• 27:19Speaker 03

  The other one.

• 27:21Caleb Hammer?

  Okay, pull up the other one, I don't know if the other one, we'll get to that in a second.

• 27:28Speaker 03

  Five fifty one, exactly.

• 27:31Caleb Hammer?

  Forty-five percent utilization. Twenty-six dollar, what?

• 27:37Speaker 03

  I wasn't gonna pay that off. Cause I got paid today.

• 27:41Caleb Hammer?

  But?

• 27:42Speaker 03

  But, what I budgeted, I can't.

• 27:47Caleb Hammer?

  What?

• 27:48Speaker 03

  Because you haven't come across the IRS debt that's supposed to come out?

• 27:53Caleb Hammer?

  Oh, for fuck's sake, buddy. And the IRS debt is your ex's fault?

• 27:58Speaker 03

  No, that's my fault.

• 27:59Caleb Hammer?

  So what the fuck did you open this entire dumb conversation with, dude? You fucking kidding me? It's stopping getting some bull McDonald's, getting some shit Arby's, really? We're going to fucking Arby's of all the places that exist in this world? Taco Bell? What are we doing? It's all fucked.

• 28:15Speaker 03

  Yeah, I know. I told you it was all food.

• 28:21Caleb Hammer?

  Why do you accept this? Why do you accept this? Arby's, Taco Bell, U-Haul, U-Haul Storage, moving storage, got junk? My gosh, what are you getting rid of?

• 28:32Speaker 03

  Covered a couch, got rid of a couch.

• 28:34Caleb Hammer?

  Water, Whataburger, getting some BS, getting some BS, getting some BS. Baskin Robbins or Dunkin' Donuts, Wendy's, Car Spa?

• 28:46Caleb Hammer?

  Massage Envy?

• 28:49Speaker 03

  Car Spa was probably a car wash. I'll be assuming.

• 28:58Caleb Hammer?

  I'm not gonna lie, you have happy ending massages written all over you.

• 29:01Speaker 03

  Really? You think so?

• 29:04Caleb Hammer?

  Was it?

• 29:05Speaker 03

  No.

• 29:06Caleb Hammer?

  Was it?

• 29:07Speaker 03

  It was not.

• 29:08Caleb Hammer?

  Was it?

• 29:09Speaker 03

  It was not done at a

• 29:13Speaker 03

  non-massage Envy vacation.

• 29:16Caleb Hammer?

  What? What was, huh?

• 29:18Speaker 03

  Happy endings, they usually happen at other places besides Massage Envy. You know, the Chinese ones?

• 29:24Caleb Hammer?

  I don't know, it sounded very happy ending to me, I don't know. Okay.

• 29:30Speaker 03

  That's your opinion.

• 29:30Caleb Hammer?

  Yeah, I guess, yes, that's what I was saying. Divine Nail Bar? Let me see them.

• 29:38Caleb Hammer?

  Uh, okay. That's worth 25 bucks on a card we can't pay off? Okay.

• 29:46Speaker 03

  Actually, that was probably a pedicure.

• 29:48Caleb Hammer?

  So, so it looks nice for the massagers?

• 29:53Speaker 03

  If you say so.

• 29:54Caleb Hammer?

  I, I'm asking you, dude.

• 29:58Caleb Hammer?

  Ah, here's the other self that we just saw. And by the way, the balance was higher on there, but I'll just write what's on here, cause.

• 30:05Speaker 03

  What's the difference?

• 30:06Caleb Hammer?

  1,000, a couple hundred bucks. $1,347.15, 17 cents. Minimum monthly payment, $26. Again, it was paid off and then you fucking purchased all that shit.

• 30:20Speaker 03

  Yeah.

• 30:20Caleb Hammer?

  Why? That's way more than you could ever pay off. It's more than your rent that you complained about that he wasn't paying half for.

• 30:27Speaker 03

  Right.

• 30:27Caleb Hammer?

  Just in your purchases on fuck you. So what was the point?

• 30:32Speaker 03

  I had a car that I sold.

• 30:35Caleb Hammer?

  Oh, that's why I spent 1,300. What the fuck are you talking about?

• 30:39Speaker 03

  I had two cars at one point.

• 30:41Caleb Hammer?

  So that's why you spent 1,300? I, what are you talking about?

• 30:45Speaker 03

  I had all the debt paid off.

• 30:48Caleb Hammer?

  After bankruptcy?

• 30:49Speaker 03

  No. After, well, not all the debt, but out of all the credit cards, I had all of them except one paid off.

• 30:56Caleb Hammer?

  When?

• 30:58Speaker 03

  September.

• 31:00Caleb Hammer?

  What the fuck happened? Who are we blaming it on this time?

• 31:03Speaker 03

  Myself.

• 31:04Caleb Hammer?

  Yeah. Only because I've called it out so much.

• 31:08Caleb Hammer?

  What? What the fuck happened?

• 31:10Speaker 03

  That's just not giving a fuck.

• 31:11Caleb Hammer?

  And that is more important than actually a life-saving surgery for you?

• 31:15Speaker 03

  What's that?

• 31:16Caleb Hammer?

  You spending, dude?

• 31:19Speaker 03

  True.

• 31:21Caleb Hammer?

  That's you saying yes, because it was a question?

• 31:25Caleb Hammer?

  Hold on. Wow. You are in trucks way too long not having human conversation.

• 31:30Speaker 03

  Yep, that's.

• 31:32Caleb Hammer?

  You are incapable of this.

• 31:34Speaker 03

  Really? The only people that I talk to is customers, like shippers and receivers?

• 31:39Caleb Hammer?

  Yeah, not very social. Sure.

• 31:41Speaker 03

  And that's about it.

• 31:45Caleb Hammer?

  Yeah. You have a dog?

• 31:46Speaker 03

  Yeah.

• 31:48Caleb Hammer?

  But you're never home.

• 31:49Speaker 03

  He gives me company.

• 31:51Caleb Hammer?

  In the truck?

• 31:52Speaker 03

  Yeah.

• 31:53Caleb Hammer?

  He goes with you everywhere in the truck?

• 31:54Speaker 03

  Yeah.

• 31:54Caleb Hammer?

  Is that a life for a dog? Not being able to frolic? Everywhere?

• 32:00Speaker 03

  He plays.

• 32:00Caleb Hammer?

  Yeah, when you stop.

• 32:02Speaker 03

  Yeah, but every truck driver has a dog, pretty much.

• 32:05Caleb Hammer?

  It's not a very good life for a dog.

• 32:08Speaker 03

  Yeah, he's okay. He sleeps a lot.

• 32:11Caleb Hammer?

  Because he's in a truck, that's what I'm saying.

• 32:14Speaker 03

  Yeah, but in general, he's always been like that.

• 32:17Caleb Hammer?

  Haven't you only been trucking for three years?

• 32:19Speaker 03

  No.

• 32:20Caleb Hammer?

  What were you doing before?

• 32:21Speaker 03

  I've been trucking since 2013. So I got my CDL.

• 32:26Caleb Hammer?

  Oh, you dumb. Okay. Sorry. Yes, you've been trucking since the dog was born.

• 32:33Speaker 03

  No.

• 32:35Caleb Hammer?

  Huh?

• 32:36Speaker 03

  He's only three.

• 32:37Caleb Hammer?

  And you said 2013 is when you started?

• 32:39Speaker 03

  No, it's when I got my CDL.

• 32:42Caleb Hammer?

  How the f**k long have you been long haul trucking, dude?

• 32:46Speaker 03

  Since 2013.

• 32:50Speaker 03

  I told you that. I got my CDL in 2013.

• 32:55Speaker 03

  Pay attention.

• 32:59Caleb Hammer?

  So he wouldn't know another life besides it?

• 33:03Speaker 03

  No, besides when he was born.

• 33:07Caleb Hammer?

  You, dude. Ho, I need you to have phone calls with people. So you can at least have conversations outside of the-

• 33:15Speaker 03

  People, hours on end.

• 33:17Caleb Hammer?

  Who?

• 33:19Speaker 03

  Uh, friends that I've known for, since 2013. Or 2015.

• 33:25Caleb Hammer?

  Okay.

• 33:27Caleb Hammer?

  I don't, I just, you don't seem to be able to comprehend questions and deliver the answers to them.

• 33:35Speaker 03

  I was horrible in school.

• 33:37Caleb Hammer?

  I don't know if it's a school thing. I wasn't the, okay.

• 33:43Caleb Hammer?

  Okay, I wasn't the best in school either, but I-

• 33:48Speaker 03

  Well, it's when you graduate with a special diploma.

• 33:52Caleb Hammer?

  Did you?

• 33:53Speaker 03

  Yeah.

• 33:53Caleb Hammer?

  You look a little down syndrome. Is that why?

• 33:55Speaker 03

  Possibly.

• 33:56Caleb Hammer?

  Okay.

• 33:57Speaker 03

  I was more premature.

• 34:02Caleb Hammer?

  Three months?

• 34:04Speaker 03

  Yeah. Actually, three months. Supposed to be born in February, Independence Day. Wasn't born until November.

• 34:14Caleb Hammer?

  Well, the first place you must have been was at Danny's, because I can go in there every second of my life.

• 34:19Speaker 03

  Actually, it was oxygen. For six months.

• 34:24Caleb Hammer?

  And then a severe lack of it until now.

• 34:29Speaker 03

  Apparently, I needed to be alkaline.

• 34:33Speaker 03

  You know, oxygen. Not the kind you breathe, on a front tank.

• 34:39Caleb Hammer?

  Yes.

• 34:44Caleb Hammer?

  What?

• 34:49Caleb Hammer?

  Sure. Alright.

• 34:53Caleb Hammer?

  So, also going to the car wash on a different car wash, Sonic Drive-In Chili's, bumper.com.

• 35:02Speaker 03

  Bumper.com, I don't know what that is.

• 35:05Caleb Hammer?

  What happens if I look up bumper.com? A little nervous.

• 35:08Speaker 03

  I have no.

• 35:09Caleb Hammer?

  Sounds like a bottom-in website.

• 35:12Speaker 03

  No.

• 35:16Speaker 03

  I obviously don't even know what that is.

• 35:18Caleb Hammer?

  We'll find it out.

• 35:19Speaker 03

  Yes, we will.

• 35:21Caleb Hammer?

  If a dick pops up, it's your fault.

• 35:22Speaker 03

  Yeah.

• 35:24Caleb Hammer?

  Okay, it's a vehicle history report.

• 35:27Speaker 03

  Oh, right, because my new car got hit by hail. And I wanted to see if it had already hit the Corvus.

• 35:38Caleb Hammer?

  Okay.

• 35:39Speaker 03

  I remember that transaction.

• 35:40Caleb Hammer?

  Chili's, oh, that was before. Mexican restaurant, BB of Pearl. Bareback. Amazon, Amazon, Amazon.

• 35:50Speaker 03

  Blue Beacon.

• 35:52Caleb Hammer?

  Huh?

• 35:52Speaker 03

  BB of Pearl, Blue Beacon.

• 35:54Caleb Hammer?

  Oh, we're going back to that? Uh, Flying J.

• 35:59Caleb Hammer?

  Okay. Pull up that Amazon. Let me see. Let me see.

• 36:06Speaker 03

  There's actually a lot of purchases on there. One of them.

• 36:08Caleb Hammer?

  What?

• 36:09Speaker 03

  For, uh, it should be on that.

• 36:11Caleb Hammer?

  Great. I love when they're able to deliver to us on a highway.

• 36:15Speaker 03

  What's that?

• 36:20Caleb Hammer?

  Someone help me here. I'm alone in this. He's not involved either.

• 36:27Speaker 03

  Where's the orders?

• 36:30Speaker 03

  I'm not sure if that's what you wanted to see, but.

• 36:32Caleb Hammer?

  Do I have to bring in the translator for this again? It's been a second.

• 36:38Caleb Hammer?

  Dog grooming kit, yeah.

• 36:42Caleb Hammer?

  His lots of purchases are for.

• 36:45Speaker 03

  Baby clothes?

• 36:47Caleb Hammer?

  Huh?

• 36:48Speaker 03

  Babies.

• 36:50Caleb Hammer?

  What about babies?

• 36:52Speaker 03

  That's what it was. That should be my last transactions.

• 36:55Caleb Hammer?

  No, it's dog grooming.

• 37:01Caleb Hammer?

  Babies.

• 37:03Speaker 03

  Is that not on there?

• 37:04Caleb Hammer?

  No!

• 37:05Speaker 03

  It should be.

• 37:06Caleb Hammer?

  Hibbit portable bidet, oh.

• 37:11Speaker 03

  There's nothing wrong with bidet. You never used one?

• 37:13Caleb Hammer?

  A portable bidet?

• 37:15Speaker 03

  Hey, it's better than these.

• 37:15Caleb Hammer?

  You're taking places.

• 37:16Speaker 03

  It's better than these.

• 37:17Caleb Hammer?

  Pet favorites dog wipes cleaning.

• 37:22Speaker 03

  I said some of these truck drivers, they'll grab water bottles out of the cooler and shove it up their ass.

• 37:33Caleb Hammer?

  Okay, well, no babies.

• 37:37Speaker 03

  Should be on there.

• 37:38Caleb Hammer?

  They're not. Babies are gone. How was that?

• 37:43Speaker 03

  I don't know how those transactions are on there.

• 37:44Caleb Hammer?

  In a dream of yours.

• 37:46Speaker 03

  No.

• 37:48Speaker 03

  Not mine.

• 37:51Speaker 03

  It was my ex's sister. She had a baby.

• 37:55Caleb Hammer?

  When? You know, I'm looking at recent history, right?

• 38:01Speaker 03

  Three months ago?

• 38:02Caleb Hammer?

  Okay, let's bring in the translator before this guy starts talking about oxygen tanks again. All right, Brandon, we brought you in. You're looking a little.

• 38:10Caleb Hammer?

  Thuggish today or something.

• 38:11Speaker 03

  Handsome.

• 38:12Caleb Hammer?

  Oh.

• 38:12Speaker 03

  Handsome.

• 38:13Caleb Hammer?

  You know, he's a big fan of yours.

• 38:16Speaker 03

  Of me?

• 38:16Caleb Hammer?

  He knew you.

• 38:17Speaker 03

  Never said Jim.

• 38:18Caleb Hammer?

  What? You're like, I know, oh, Brandon, Brandon.

• 38:20Speaker 03

  Oh, from the previous episode, right?

• 38:22Caleb Hammer?

  Yeah. He must know you from the membership content or the previous.

• 38:25Speaker 03

  Translated. And you must know.

• 38:27Caleb Hammer?

  I'm gonna need it again because he just drops things.

• 38:30Speaker 03

  You must know you severely [__] up if I'm here. Yeah.

• 38:34Caleb Hammer?

  Listen, I'm lucky enough to be able to tell you this and I wish I had all the resources that exist right now in this world to have changed my life and got my [__] together when I needed to back then, but it didn't exist. So my team and I put all of our resources, all of our time, all of our energy in making the best educational resources we could ever make. And guess what? We have literally a quarter of what the industry average refund rate is, even though we guarantee free refunds for a full month. That just shows that we provide the best in industry education. And listen, I get it, we're a business, education be kind of expensive and we put a lot of work into it, but right now there is a sale until a couple of days from now. So make sure you check it out.

• 39:19Caleb Hammer?

  You can bundle all of our programs together and save a lot of money. It'll change your life. All right, well, translate for me because.

• 39:25Speaker 03

  Apparently I'm need more oxygen.

• 39:30Caleb Hammer?

  I could see that.

• 39:38Caleb Hammer?

  Okay.

• 39:41Caleb Hammer?

  Okay. Let's talk about the Discover it, shall we?

• 39:44Speaker 03

  Sure.

• 39:44Caleb Hammer?

  Okay, what's going on with this?

• 39:46Speaker 03

  That's been like that for two to three years.

• 39:52Caleb Hammer?

  Why?

• 39:53Speaker 03

  Just I haven't been working on, I've been trying to work on the other cards and that one's been on the back burner, but it's the most.

• 40:01Caleb Hammer?

  People just like, it's fucking credit max. It was above the credit max until a day ago, essentially.

• 40:06Speaker 03

  Right. It's been at the max the entire time. I pretty much almost immediately maxed that one out.

• 40:12Caleb Hammer?

  That means you continue to max it out then.

• 40:14Speaker 03

  No, I can't.

• 40:15Caleb Hammer?

  What? If it was three years, it wouldn't have still be at the max.

• 40:20Speaker 03

  Well, no, with interest.

• 40:21Caleb Hammer?

  No, not if you're making the minimum payments. It would not be $3 from the max. You're either not making payments or you're purchasing sometimes within the last three years.

• 40:29Speaker 03

  I probably purchased, but I don't know exactly what it was.

• 40:36Caleb Hammer?

  You farted again.

• 40:37Speaker 03

  Dude.

• 40:39Caleb Hammer?

  It is a hundred and twenty-five dollars.

• 40:43Speaker 03

  Do dogs don't fart?

• 40:44Caleb Hammer?

  A minimum of the payment. I know dog farts.

• 40:46Speaker 03

  Hmm. How do you know that?

• 40:48Caleb Hammer?

  I have dogs.

• 40:49Speaker 03

  You want pause only?

• 40:53Speaker 04

  Pause only? What is that?

• 40:55Caleb Hammer?

  That's your job.

• 40:59Speaker 04

  I got confused. But I paid just enough on the credit card off just so that I can spend.

• 41:06Caleb Hammer?

  I'm gonna get a translator for him. I don't think that's correct.

• 41:09Speaker 03

  Another one?

• 41:10Caleb Hammer?

  What are you talking about, fucking dog farts?

• 41:12Speaker 03

  You know what? He's bringing it up.

• 41:14Caleb Hammer?

  No, you said I have pause only?

• 41:16Speaker 03

  It's a joke.

• 41:20Speaker 03

  It's probably OnlyFans.

• 41:22Caleb Hammer?

  OnlyFans?

• 41:25Speaker 00

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

• 41:50Caleb Hammer?

  Why?

• 41:53Caleb Hammer?

  I said the breakup? That's our, that's our last step of a relationship?

• 41:58Speaker 03

  With myself, yeah.

• 42:01Caleb Hammer?

  Why are you okay with that? That can't be the rest of your life, man.

• 42:07Speaker 03

  I don't know. I think I'd better off single.

• 42:10Caleb Hammer?

  Why?

• 42:12Speaker 03

  I think I'd do better financially.

• 42:14Caleb Hammer?

  In what ways? Because you're not sending sugar babies money, sure?

• 42:20Caleb Hammer?

  So what, happy massages and grinder for the rest of our life?

• 42:24Speaker 03

  No.

• 42:27Caleb Hammer?

  Well then, what? What is your outlook? Cause there's no point, like, you're trying, what's the point of getting the life-saving surgery? What's the point of

• 42:40Caleb Hammer?

  paying off all this debt if there's no future to live for? What are you trying to do? You're not even willing to, like, date again?

• 42:48Speaker 03

  No, not right now, anyway.

• 42:49Caleb Hammer?

  Why?

• 42:51Speaker 03

  Cause I don't wanna be in the same situation that I'm currently in.

• 42:53Caleb Hammer?

  Just don't get someone that relies on you for your money. You don't even see them anyway.

• 42:59Speaker 03

  Right, which is why there's only

• 43:02Caleb Hammer?

  And lots, snakes.

• 43:05Caleb Hammer?

  Okay, okay. Well, a hundred four dollars and eighty-eight cents of interest with a hundred twenty-five dollar minimum payment, and you're just getting that OF.

• 43:14Speaker 03

  No, not one, I'm saying throughout all the cards.

• 43:16Caleb Hammer?

  So, when you-

• 43:18Speaker 03

  It could be on all the cards.

• 43:20Caleb Hammer?

  I guess we'll find out. So, to be clear, you blame the two X's for your financial mess, even though we've obviously proven this wrong, and you also keep the dog around just so you can blame him for when you yourself in that chair. So, everything is this endless deflection, with nothing to look forward to in the rest of our life.

• 43:38Speaker 03

  I'm trying to pay him off, slowly. I'm trying to start with the lowest balance credit card to pay them off, because there is cards that you don't have-

• 43:45Caleb Hammer?

  Your lowest balance was zero and you brought it to five hundred and fifty-one dollars.

• 43:48Speaker 03

  You don't have, there is no balance.

• 43:51Caleb Hammer?

  The lowest card you had was zero dollars and you brought it to five hundred fifty-one dollars.

• 43:56Speaker 03

  Right, that was supposed to be paid off today.

• 43:58Caleb Hammer?

  But then it wasn't because you have IRS debt.

• 44:01Speaker 03

  Correct.

• 44:05Caleb Hammer?

  So what the are you talking about? Snowball? Does Snowball method suggest put money on a credit card?

• 44:11Speaker 03

  No. It's to pay it off. It's a modified snowball.

• 44:16Caleb Hammer?

  How's that modified snowball working for you?

• 44:18Speaker 03

  Not too good, apparently.

• 44:22Speaker 03

  Should try avalanche and snowball?

• 44:25Caleb Hammer?

  At the same time? Up and down? Up and down at the same time?

• 44:35Speaker 03

  I don't know, we'll see.

• 44:40Caleb Hammer?

  Buddy porn's free.

• 44:43Speaker 04

  Up and down at the same time.

• 44:47Caleb Hammer?

  How much are we spending on the OF? I'm not gonna ask to see his OF. I do not wanna see.

• 44:53Speaker 03

  Well, it's not mine.

• 44:54Caleb Hammer?

  I, no, I know what you subscribe to.

• 44:57Speaker 03

  I don't know, it's something like seven dollars, maybe Matt's have spent.

• 45:00Caleb Hammer?

  Show Brandon what you subscribe to. There we go. Instead of me. He'll tr- he'll translate for me.

• 45:07Speaker 03

  I don't think he wants to see that.

• 45:08Caleb Hammer?

  Pull it up. Here we go.

• 45:10Speaker 03

  There's nothing on there. It's all canceled.

• 45:12Caleb Hammer?

  Let's see, we'll see the past subscriptions, we can see everything.

• 45:17Speaker 04

  Um.

• 45:20Speaker 04

  I heard through the grapevine.

• 45:26Caleb Hammer?

  Don't grunt just to pull it up.

• 45:28Speaker 03

  No, I'm trying to think of how I usually log in.

• 45:32Speaker 04

  How many total subscriptions are there?

• 45:35Speaker 03

  Should be zero, I just said that.

• 45:36Speaker 04

  No, no, no, no, no. In your past list.

• 45:39Speaker 03

  Oh, I had no idea. I couldn't tell you.

• 45:45Caleb Hammer?

  Ladies, if you're out there doing OF and you want a career change, I'll gift you a course career certification and get you out of that.

• 45:53Caleb Hammer?

  And you probably need therapy with it, so I'll give you three free sessions of Sandermine.

• 45:58Speaker 03

  Is it all?

• 45:58Caleb Hammer?

  Take it.

• 45:59Speaker 03

  Is it all, uh?

• 46:00Caleb Hammer?

  Translate. What are we seeing?

• 46:03Speaker 04

  I'm not allowed to say names. Stars, hearts, lots of eggplants.

• 46:10Caleb Hammer?

  Wait, what?

• 46:13Speaker 04

  Okay, that's kind of a crazy name. Look at that name right there. One letter off.

• 46:19Caleb Hammer?

  He has a lot of, I see a lot of messages.

• 46:22Speaker 04

  You do have a lot of messages.

• 46:26Caleb Hammer?

  Translate?

• 46:27Speaker 04

  Okay, there's about fifty different people on here.

• 46:33Caleb Hammer?

  Who are we talking to?

• 46:35Speaker 03

  Nobody.

• 46:37Speaker 04

  Uh, Danny Twink.

• 46:41Speaker 04

  XX Cash.

• 46:43Speaker 03

  Some of those are probably still old, I don't even know who they are.

• 46:47Speaker 04

  This is fucking wild dude. There was maybe fifty, there has to be a hundred. This goes.

• 46:54Caleb Hammer?

  There's a video on the bottom.

• 46:55Speaker 04

  Translate.

• 46:56Caleb Hammer?

  What's the video say?

• 46:58Speaker 04

  Um, Tidy Whitey's in a six pack.

• 47:02Speaker 03

  I don't go down that far.

• 47:06Speaker 04

  Did you see how long I was scrolling?

• 47:08Caleb Hammer?

  He was scrolling for a while.

• 47:09Speaker 03

  What was that, like two minutes?

• 47:10Caleb Hammer?

  How much do you normally pay on the OF?

• 47:15Speaker 03

  How much do I usually pay? I don't pay, I just subscribe and unsubscribe.

• 47:19Caleb Hammer?

  Yeah, but how often are we doing this?

• 47:21Speaker 03

  Not often, maybe once every three months?

• 47:24Caleb Hammer?

  Why? Why does all the time we get to that?

• 47:29Speaker 03

  More extra photos? Or video to get off?

• 47:35Caleb Hammer?

  Wait, extra what?

• 47:37Speaker 03

  Photos.

• 47:38Caleb Hammer?

  Okay.

• 47:39Speaker 04

  Goon maxing.

• 47:44Caleb Hammer?

  It's free, that's all I'm gonna say.

• 47:48Speaker 03

  What's free? Or only?

• 47:55Caleb Hammer?

  And sex.

• 47:58Speaker 03

  Yeah, true.

• 47:59Caleb Hammer?

  Except not the places you go to.

• 48:00Speaker 03

  No.

• 48:03Caleb Hammer?

  Okay.

• 48:07Caleb Hammer?

  You okay?

• 48:09Speaker 03

  I don't think he's okay.

• 48:11Caleb Hammer?

  He's never experimented.

• 48:13Speaker 03

  My, uh, three free sessions, if it's on your mind? Pass it over.

• 48:18Caleb Hammer?

  He'll need it.

• 48:18Speaker 03

  Double it or nothing.

• 48:19Caleb Hammer?

  Well, you can gift him one of those monthly subscriptions as well.

• 48:24Speaker 03

  I don't think he's into that.

• 48:27Caleb Hammer?

  Okay.

• 48:30Caleb Hammer?

  Interest charges this year so far on here, nearly three hundred and fifty bucks. Fees! You had a fee! I told you! I told you dude! You had a fucking late fee this year so far on this car.

• 48:41Speaker 03

  I don't know how that's possible, it's on auto.

• 48:42Caleb Hammer?

  It's possible by you not paying it.

• 48:44Speaker 03

  It's on auto. Everything's on auto.

• 48:46Caleb Hammer?

  Did I have enough money in your checking account?

• 48:49Speaker 03

  Well, it's on auto, but I usually pay it before the due date.

• 48:52Caleb Hammer?

  Don't care, you've had a late fee this year.

• 48:55Speaker 03

  Just one?

• 48:56Caleb Hammer?

  Just one.

• 48:57Speaker 03

  I don't know, that's possible.

• 48:59Caleb Hammer?

  By you not paying.

• 49:01Speaker 03

  Well, no shit.

• 49:03Caleb Hammer?

  Well, that's how it's possible.

• 49:06Caleb Hammer?

  A further down conclusion would be not enough money in your checking account when the automatic payment was supposed to happen.

• 49:12Speaker 04

  If I may, we're spending our money on a-

• 49:17Speaker 03

  Not all of it.

• 49:18Caleb Hammer?

  Which is more important. Than paying for your own rent. Having your own independence. Okay.

• 49:29Caleb Hammer?

  Okay. A late fee, I told you, you don't just stay at the height, at the top of the credit card limit. For three years, without purchasing. Or without late fees. And now we know there's both.

• 49:44Speaker 03

  Yeah, I had no idea there was a late fee. I don't know how that is.

• 49:47Caleb Hammer?

  Verve Credit.

• 49:51Caleb Hammer?

  Balance, one thousand, six hundred, sixty dollars and eighty-two cents with fifteen dollars of fucking fees! For why?

• 50:00Speaker 03

  There's probably the annual fee.

• 50:05Speaker 03

  Annual fee or the-

• 50:06Caleb Hammer?

  It's a monthly maintenance fee, for fuck's sake! Twenty dollars to purchases, why are you possibly purchasing? On a car that you cannot pay off, that there are monthly maintenance fees, which, well, what is even the fucking credit limit on this thing, do you know?

• 50:19Speaker 03

  On that one? I would have to look.

• 50:22Caleb Hammer?

  Interest accruing fifty bucks. So we're purchasing on a car that we can't pay off, that fees are being accrued. That takes five years to pay off, doing our minimum payments only without any purchases. Which is fucking crazy. It's fucking crazy. Eighty-five dollar minimum monthly pa- I mean, eighty-four dollar minimum monthly payment. We have necromancy?

• 50:45Speaker 03

  Huh?

• 50:46Caleb Hammer?

  Necromancy?

• 50:47Speaker 03

  I don't know what that is.

• 50:50Caleb Hammer?

  I thought we were fucking having massages, not necrophiling.

• 50:56Speaker 03

  I don't know what that is.

• 50:57Caleb Hammer?

  Necromancy, that's what you purchase, SP Necromancy.

• 51:03Caleb Hammer?

  You're purchasing on the card that you can afford.

• 51:08Caleb Hammer?

  You are the one who has swiped.

• 51:11Speaker 03

  I understand, but I don't know what it is.

• 51:15Caleb Hammer?

  You're the one who budgets, you said. You don't even know what the this is. You don't even know how much you spent.

• 51:22Speaker 03

  On that, on that card?

• 51:25Speaker 03

  I don't know what that, what you're calling out is.

• 51:27Caleb Hammer?

  Overall, you remember, can we, like, 20 minutes ago when he said you thought you spent like 5,000 or 4,000 when he spent 9,000?

• 51:36Speaker 03

  Right.

• 51:38Speaker 04

  We swipe and then we snowball an avalanche. We don't budget, boss.

• 51:51Caleb Hammer?

  Oh, for fuck's sake, okay.

• 51:58Caleb Hammer?

  This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings Account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. What the fuck are, like, you're just going and getting this thing and you don't even know what it is?

• 52:42Caleb Hammer?

  Or you're not even plotting out your purchases? You don't even know what this is? I'm being told it's some kind of makeup or cosmetic thing?

• 52:49Speaker 03

  I don't know. I mean, there could have been.

• 52:53Speaker 03

  My ex probably purchased on that because

• 52:57Caleb Hammer?

  The fuck you, six months ago is when you broke up, you This is a month ago!

• 53:02Speaker 03

  He still had it locked into his phone. I told him to delete it.

• 53:06Speaker 03

  Delete all my card information.

• 53:07Caleb Hammer?

  Can't fucking reset it!

• 53:09Speaker 03

  I can't reset a card number.

• 53:11Caleb Hammer?

  Yes you can! You say it's lost or stolen, you tit!

• 53:16Speaker 03

  You could.

• 53:17Caleb Hammer?

  That's what you do!

• 53:18Speaker 03

  Yeah, but then it just shows up to the house.

• 53:22Speaker 04

  When you order a card, it shows up at the house?

• 53:26Caleb Hammer?

  Yes!

• 53:28Speaker 03

  Right. And then he gets the mail. I'm never home.

• 53:31Caleb Hammer?

  He's still there?

• 53:33Speaker 03

  Yeah.

• 53:37Caleb Hammer?

  You broke up with him six months ago and he's still there?

• 53:40Speaker 03

  Yeah, but he's by himself now. No, he's by himself.

• 53:42Caleb Hammer?

  You're paying rent.

• 53:43Speaker 03

  No I'm not.

• 53:43Caleb Hammer?

  You said, at the beginning, you fucking said you're maintaining the rent you had!

• 53:48Speaker 03

  No, the rent is done.

• 53:52Caleb Hammer?

  Oh, buddy, I can't get a fucking answer out of you to say my life that is correct! Cause then I learned something completely different that is... What are you talking about? At the beginning, you...

• 54:04Caleb Hammer?

  What the fuck, man? Do you know what's going on in your own damn life?

• 54:08Speaker 03

  Yeah, there's no more rent. The lease ended.

• 54:12Caleb Hammer?

  And he took it over?

• 54:13Speaker 03

  Yes.

• 54:17Caleb Hammer?

  Then why at the beginning did you not tell me that and suggest... Where are you living now?

• 54:23Speaker 03

  Um, I'm moving back to Florida.

• 54:26Caleb Hammer?

  But, six months ago is when you broke up. Where have you been living?

• 54:30Speaker 03

  The lease wasn't over.

• 54:32Caleb Hammer?

  When did the lease end?

• 54:33Speaker 03

  Uh, last month?

• 54:37Caleb Hammer?

  Where have you been living for a month?

• 54:39Speaker 03

  In the truck.

• 54:40Caleb Hammer?

  Okay.

• 54:43Caleb Hammer?

  With the lost snakes, okay.

• 54:45Speaker 03

  No, my dog.

• 54:53Caleb Hammer?

  It's a thirty-six percent interest rate.

• 54:56Speaker 03

  There's actually.

• 54:57Caleb Hammer?

  It's a thirty-six percent interest rate. And you purchased makeup that you don't even know about and you refuse to get it and reset the number. Cause it shows up, change the address that it shows up to you tit and then request a new card.

• 55:11Speaker 03

  Doesn't that take like thirty days or so?

• 55:13Caleb Hammer?

  What?

• 55:14Speaker 03

  To do a change of address on a card?

• 55:16Caleb Hammer?

  Uh, I've changed my addresses on card multiple times. I don't know. I also don't check the mail very much because I live in the twenty-first century. Uh, so.

• 55:26Caleb Hammer?

  What's worth a try, is it not? You're just gonna let him spend on here forever. You're still sugar babying, but you don't get any of the benefits.

• 55:32Speaker 03

  I've locked him out. All the credit cards off.

• 55:36Speaker 04

  So I'm talking so much bullshit that I'm getting confused.

• 55:40Caleb Hammer?

  Yes, because you said this would have been him. That's impossible if you locked him out.

• 55:46Speaker 03

  I didn't lock him out. I just locked it. I just locked it.

• 56:00Speaker 04

  I am a prosecutor's dream.

• 56:09Caleb Hammer?

  Buddy, I don't think you know what's happening around you. I'm, I'm concerned that you're on the highways. There are signs you have to follow.

• 56:18Speaker 04

  Yeah.

• 56:22Speaker 04

  No cop, no stop.

• 56:26Speaker 03

  Just keep going.

• 56:31Caleb Hammer?

  Okay, I'm moving on to. Uh, sir, you clean?

• 56:37Speaker 03

  Same company, so it's gonna be high interest also.

• 56:40Caleb Hammer?

  Oh, good. That sounds like a great one to purchase. Eight hundred and thirty-six dollars on then. Was this him too?

• 56:48Speaker 03

  No, that was probably me because I have all the cards.

• 56:53Caleb Hammer?

  We snowball and we avalanche.

• 57:00Caleb Hammer?

  Okay.

• 57:06Caleb Hammer?

  Sir Ewing, Sir Ewing, we have a balance of $1,464.69 with interest charging $42.89. $675.77 was the previous balance, you only made, we made a $90 payment, then you purchased $836.31. Why?

• 57:31Speaker 03

  I'm assuming it's on food.

• 57:34Caleb Hammer?

  It's not on food, but it's mostly on food. Arby's, more Arby's? Why are we going to Arby's?

• 57:40Speaker 03

  It's those truck stops. Gotta have the meats.

• 57:44Caleb Hammer?

  You already have them.

• 57:47Speaker 04

  The meats were in your OnlyFans.

• 57:53Speaker 03

  Well, it's true.

• 57:57Caleb Hammer?

  Winning got some bull.

• 58:01Caleb Hammer?

  Scooter's Coffee, Amazon Marketplace, Regal's Nail Salon, that has to be a front. That's double nail salon in the same month. Is that where the happy massages are done these days?

• 58:13Speaker 03

  No.

• 58:13Caleb Hammer?

  I haven't personally investigated.

• 58:16Speaker 03

  Regal shouldn't be the same month.

• 58:18Caleb Hammer?

  It's the same month.

• 58:21Speaker 03

  I don't know how that is then.

• 58:24Speaker 04

  I went once and then I went again and I thought they were different months.

• 58:30Caleb Hammer?

  Lip Salon and Alliance Salon and Spa, you go to a lot of different

• 58:36Caleb Hammer?

  questionably named

• 58:39Speaker 03

  Hey, I don't name them.

• 58:39Caleb Hammer?

  Parlers.

• 58:42Caleb Hammer?

  But you go to different ones on the roads. Do you check, uh?

• 58:44Speaker 03

  Those are on other roads.

• 58:46Caleb Hammer?

  Huh?

• 58:46Speaker 03

  Those aren't on the roads.

• 58:48Caleb Hammer?

  Then why are we going to?

• 58:50Speaker 03

  Cause I do that in my home time.

• 58:53Caleb Hammer?

  They sound very fishy.

• 58:58Caleb Hammer?

  You wouldn't admit it if you did it, would you?

• 59:01Speaker 03

  Admit what?

• 59:04Speaker 04

  I appreciate a local tug.

• 59:07Caleb Hammer?

  Would you now?

• 59:09Speaker 03

  I don't know, we'll find out.

• 59:10Caleb Hammer?

  I mean, come on.

• 59:11Speaker 04

  I definitely appreciate a local tug.

• 59:13Caleb Hammer?

  Yeah.

• 59:15Caleb Hammer?

  Went in, got some bull I mean, come on, I've had enough of these conversations.

• 59:21Caleb Hammer?

  I'm not gonna make you say it. Sixty dollars and ninety six cents of interest accrued this year so far. It's about to be a lot higher because it just doubled the balance. But the thirty five point nine percent interest rate.

• 59:36Caleb Hammer?

  Alright. Capital One. What's going on with this card?

• 59:41Speaker 03

  Which Capital One is that?

• 59:42Caleb Hammer?

  Capital One Platinum.

• 59:46Speaker 03

  That's a secured card. There's only like a two hundred dollar balance on there.

• 59:49Caleb Hammer?

  What's going on with this card? Because that didn't answer any of the questions. All I see is you're above the credit card limit.

• 59:56Speaker 03

  I use it for when I got money in my account for food.

• 1:00:01Speaker 03

  Brother needs to eat. I'm hungry.

• 1:00:05Caleb Hammer?

  Buddy, you know, you're getting a surgery for this, right?

• 1:00:07Speaker 03

  Yes.

• 1:00:08Caleb Hammer?

  Why don't we start the? Yeah, you know, you know, do you know why Doctor Now, big fan?

• 1:00:15Speaker 03

  Doctor Now, yeah, yeah.

• 1:00:16Caleb Hammer?

  Yeah. Do you know why he makes them lose so much weight before they're allowed to get the surgery?

• 1:00:23Speaker 03

  Nope.

• 1:00:26Speaker 03

  Because you're a fat

• 1:00:30Caleb Hammer?

  Come on. Try to use the brain. I know it's just in the truck all day. Try to use it. Why do you think? You guys look like a very cute gay couple that I'm sure you're used to in the camera that I'm looking at.

• 1:00:46Speaker 03

  Um.

• 1:00:47Caleb Hammer?

  You would, right? You'd hit?

• 1:00:48Speaker 03

  No.

• 1:00:49Caleb Hammer?

  Oh, what the fuck?

• 1:00:53Caleb Hammer?

  He just insulted my boy. Alright. Um, I'm not sure why he does that. Come on, think, think, please, think. To show

• 1:01:06Caleb Hammer?

  willingness to? Okay, headed in the right direction. One, I mean, this is the obvious and it's the stated reason. Uh, it's a very risky surgery, so getting them under as much as possible, you know, getting them to lose as much weight as possible makes it less risky. That's the obvious. Two, it's the showing that they have an inkling of the behavior that is going to actually make them lose weight after the surgery. Cause all it is doing is reducing your stomach by what, 90%? So with that, it's showing that you're going to actually maintain through. However, you are very clearly not, and it's just like your bankruptcy situation, which makes you nervous to have this surgery because you don't change your behavior. You try to do the shortcut options instead of actually putting in any work before or after.

• 1:01:51Speaker 00

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

• 1:02:16Caleb Hammer?

  Look where we are after your bankruptcy. The same thing's gonna happen with the lip, not the lipo, the fucking gastric bypass. You're gonna get it and then you're gonna balloon it.

• 1:02:27Caleb Hammer?

  I hope not.

• 1:02:29Speaker 04

  I don't think so, but you're probably right, Caleb.

• 1:02:33Caleb Hammer?

  I'm probably right, because we looked at your past. Come on. It's a huge failure rate with that surgery anyway, when it comes to people actually losing over time and holding. The bypass? Yes. It's better than the sleeve. Okay, but it's still behavior change and you have no inkling of behavior change. You do shortcuts and then blame game. That's your entire life.

• 1:02:58Caleb Hammer?

  Okay, well, again, you're over the credit card limit on this. You paid off your previous bills, but then you purchased $451.

• 1:03:05Caleb Hammer?

  And 86 cents. Okay, well, we started off with every card like we always do with Arby's.

• 1:03:13Speaker 03

  Alright.

• 1:03:15Caleb Hammer?

  Why are we starting every card with Arby's?

• 1:03:17Speaker 03

  That's what's at truck stops. There's only Arby's, Subways, Chesters.

• 1:03:22Caleb Hammer?

  Subways would be healthier. Chesters would probably be tastier, even though I've never had it. But it's fucking Arby's.

• 1:03:29Speaker 03

  We had their burgers.

• 1:03:31Caleb Hammer?

  No, cuz it's Arby's.

• 1:03:33Speaker 03

  You should try it. It's actually pretty good.

• 1:03:36Caleb Hammer?

  I eat deer ankles.

• 1:03:39Caleb Hammer?

  Went in and got some bull, Wendy's, McDonald's, Dunkin' Donuts, bull, bull McDonald's noodle dumplings, BS Blaze Pizza, Etsy.com. Were we even ordering that too? To the act? Are we trying to win them back over?

• 1:03:54Speaker 03

  No, that's probably one of the ones that was locked into his phone. I don't have it. I don't never ordered from Etsy.

• 1:03:59Caleb Hammer?

  Oh, for fuck's sake.

• 1:04:02Speaker 03

  I'm lying.

• 1:04:03Caleb Hammer?

  Yeah. Come on, dude. I can't believe what words you're saying at this point. Noodles, McDonald's, Sonic Drive. You're going to Sonic too? Disgusting.

• 1:04:13Speaker 03

  Drinks.

• 1:04:16Caleb Hammer?

  He had the price point kind of reflects that. First truth he's told. Taco Bell, Dunkin' Donuts, Baskin Robbins, Chick-fil-A, and other Etsy!

• 1:04:26Speaker 03

  Yeah, I don't, Etsy's, I don't, I'm gonna purchase from Etsy.

• 1:04:31Speaker 03

  Sugar babies with no sugar.

• 1:04:33Caleb Hammer?

  Yeah, where is that? You're not getting the sugar.

• 1:04:35Speaker 03

  It's Splenda.

• 1:04:37Caleb Hammer?

  Dude, you're not even getting that.

• 1:04:42Caleb Hammer?

  SP Wild Bloom.

• 1:04:46Speaker 03

  Doesn't ring a bell.

• 1:04:51Speaker 03

  That's the website?

• 1:04:52Caleb Hammer?

  It's the purchase name.

• 1:04:54Speaker 03

  I have no idea.

• 1:04:57Caleb Hammer?

  Let's look it up.

• 1:05:03Caleb Hammer?

  Uh. Uh. I don't know. It's all fucking blonde overtanned Karens.

• 1:05:10Speaker 03

  That sell.

• 1:05:12Caleb Hammer?

  Like. Etsy jewelry, honestly.

• 1:05:16Speaker 03

  Yeah, I wouldn't. That's not mine. I mean, it's on the car, but I have no idea what it is.

• 1:05:21Caleb Hammer?

  But it also. Can we see what your ex looks like?

• 1:05:27Caleb Hammer?

  I don't know if he fits in that from everything I know.

• 1:05:32Caleb Hammer?

  What is this? Forty dollars of Grindr premium.

• 1:05:37Speaker 03

  There's no way.

• 1:05:39Caleb Hammer?

  Buddy.

• 1:05:41Speaker 03

  Why would a person's premium is free?

• 1:05:44Caleb Hammer?

  That's what I was saying about pornography.

• 1:05:47Speaker 03

  Right. I don't know how there's forty dollars and.

• 1:05:49Caleb Hammer?

  Yeah, I'm fucked you on that one.

• 1:05:54Speaker 03

  Got me on that one.

• 1:05:57Caleb Hammer?

  But a party, you believed it.

• 1:05:59Speaker 03

  I did.

• 1:06:07Speaker 04

  Got to chat GPT the image first.

• 1:06:09Caleb Hammer?

  If this person looks anything like my translator here. I'm gonna be.

• 1:06:13Speaker 03

  Definitely not.

• 1:06:15Caleb Hammer?

  Brandon is a handsome man.

• 1:06:19Caleb Hammer?

  You shouldn't date him because he's a horrible person, but he's a handsome man.

• 1:06:23Speaker 03

  Damn, you think about that like your employees?

• 1:06:25Caleb Hammer?

  Yeah.

• 1:06:26Speaker 03

  Yeah.

• 1:06:27Caleb Hammer?

  He's a part of the goon squad.

• 1:06:28Speaker 03

  We got back and forth.

• 1:06:29Caleb Hammer?

  Oh. It's all in the YouTube membership, baby. The best one on the platform. Link in the description below.

• 1:06:37Caleb Hammer?

  Wow. We don't. We don't know his name.

• 1:06:41Speaker 03

  I didn't say that. I'm looking for a photo. You asked for a photo, correct?

• 1:06:44Caleb Hammer?

  Instagram, Facebook.

• 1:06:46Speaker 03

  I don't have Instagram. You don't have Instagram.

• 1:06:48Caleb Hammer?

  Facebook.

• 1:06:50Speaker 04

  Every boomer has Facebook.

• 1:06:52Caleb Hammer?

  How do you find? Sex?

• 1:06:56Speaker 03

  You don't find sex?

• 1:06:58Caleb Hammer?

  These days.

• 1:06:59Speaker 03

  I don't. But you would be interested to know that actually. That is how I met him.

• 1:07:06Caleb Hammer?

  Grinder?

• 1:07:06Speaker 03

  Yep.

• 1:07:07Caleb Hammer?

  Oh, it's so inappropriate, but I luckily have his legal consent, so I don't really care. When is the last time you had sex?

• 1:07:17Speaker 03

  A long time, like probably two years.

• 1:07:19Caleb Hammer?

  The Asian parlor does not count. Two years? Wait, you broke up with him six months ago.

• 1:07:24Speaker 03

  Doesn't mean anything, I'm never home.

• 1:07:28Caleb Hammer?

  But you, you said you went home once a month at least.

• 1:07:31Speaker 03

  Yeah, to like, take a break or whatever, not to like, have sex.

• 1:07:36Caleb Hammer?

  With your partner?

• 1:07:37Speaker 03

  Correct.

• 1:07:38Caleb Hammer?

  That you paid for?

• 1:07:41Caleb Hammer?

  When I purchase an item, I like to make good use of it.

• 1:07:44Speaker 04

  One hundred percent.

• 1:07:47Caleb Hammer?

  There was no sugar in this baby.

• 1:07:53Speaker 04

  Oh, there was sugar in that baby, it just wasn't as.

• 1:07:55Speaker 03

  You wanna see it?

• 1:07:56Caleb Hammer?

  Yeah, both of us.

• 1:07:58Speaker 03

  That's an old photo.

• 1:08:03Caleb Hammer?

  I said it was a small little twink. I fucking told you. And yes, this is the most as clear as day sugar baby si- can we be real? Can we be real?

• 1:08:15Speaker 03

  Sure.

• 1:08:15Caleb Hammer?

  Come on, that was a sugar baby situation, was it not?

• 1:08:19Speaker 03

  It more than likely was.

• 1:08:20Caleb Hammer?

  Come on, there we go. You guys didn't...

• 1:08:25Caleb Hammer?

  I mean, listen, I ask wild questions, I ask inappropriate questions, but they always lead somewhere. Come on.

• 1:08:32Speaker 03

  Here's the one before.

• 1:08:35Speaker 04

  They're like night and day different.

• 1:08:37Caleb Hammer?

  Let me see. He went from twink to... To... Yeah, just slightly older twink. I mean, I get it, but, yeah. Okay, okay, okay. Well, that confirms. Was the one previous to sugar baby two?

• 1:08:53Speaker 03

  No.

• 1:08:54Caleb Hammer?

  Okay, see, I want you to find love and a reason to... Just a reason to go home, a reason to do things, a reason to put in the work, a reason to stick around. Because, the main thing is, is just like, you're not, you're not gonna get there with the sugar baby situation. You're just not. Okay?

• 1:09:11Speaker 03

  Yeah.

• 1:09:12Caleb Hammer?

  I want you to find love, and looking for sugar babies isn't gonna do well. Let's kick Brandon out and go through these conversations. Thank you, Brandon. Good translator.

• 1:09:20Speaker 03

  Woo, woo, bro, come here.

• 1:09:22Caleb Hammer?

  I don't need a translator to get through the rest of these. Thirty, one point two four percent interest rate, certainly not good. Obviously, the, uh, method is not working.

• 1:09:33Speaker 03

  The avalanche snowball?

• 1:09:35Speaker 04

  No.

• 1:09:35Caleb Hammer?

  Yes, the combination that goes nowhere.

• 1:09:39Caleb Hammer?

  Okay? Oh, for...

• 1:09:44Caleb Hammer?

  Money to family? Six hundred dollars for what?

• 1:09:48Speaker 03

  Whenever I'm negative in my account.

• 1:09:50Caleb Hammer?

  Why would you be negative though? You don't have overhead.

• 1:09:54Speaker 03

  Whenever I'm negative in my account. I don't even ask.

• 1:09:56Caleb Hammer?

  I'm asking you why? I should have kept him in here.

• 1:10:01Caleb Hammer?

  Answer the damn question. Why would you be negative in your fucking account?

• 1:10:05Speaker 03

  When I calculate to pay the bills manually, there'll be times that I don't correctly input it

• 1:10:15Speaker 03

  and I'll forget.

• 1:10:17Caleb Hammer?

  You get harder to listen to when he's not next to you.

• 1:10:23Caleb Hammer?

  Okay, listen buddy, you make good income for someone with no overhead. Limited overhead, let's be real. But do you own your truck or do you rent your truck?

• 1:10:32Speaker 03

  Neither, I'm a driver.

• 1:10:33Caleb Hammer?

  Okay, that's even better, right?

• 1:10:35Speaker 03

  Yes.

• 1:10:36Caleb Hammer?

  So what the fuck? What the fuck? How could you ever be negative? No surprise you had a late payment, right? If you're just saying you're negative, when did you borrow from the fam?

• 1:10:48Speaker 03

  Um, when I'm negative, it just gets sent. I don't even ask.

• 1:10:54Caleb Hammer?

  What? How would they know?

• 1:10:56Speaker 03

  She, um.

• 1:10:59Caleb Hammer?

  That family member?

• 1:11:00Speaker 03

  Yes, that family member, um.

• 1:11:03Caleb Hammer?

  Has access?

• 1:11:04Speaker 03

  She has access.

• 1:11:05Caleb Hammer?

  Hi, you're forty? You're forty?

• 1:11:09Speaker 03

  Benefits.

• 1:11:11Caleb Hammer?

  Huh?

• 1:11:12Speaker 03

  Death benefits, you know? If I were to pass, they have access to it.

• 1:11:20Speaker 03

  And vice versa.

• 1:11:22Caleb Hammer?

  You can still.

• 1:11:25Caleb Hammer?

  You can still, you don't have anything, by the way. You don't have fucking assets. But either way, you can still have a will where it goes to them. Why do you, they don't need. That's embarrassing. Purchase everything on our credit cards as a forty year old child. And then family member comes in and bails us out because we put all our money towards paying off the minimum monthly payments on the credit cards using two combined non-payoff methods. So they see, oh, family member doesn't have money. Let me put it in for him. When you just go and blow it all on fucking Arby's and OF. Come on, do you not see how much of a joke that is?

• 1:12:10Caleb Hammer?

  That's a joke.

• 1:12:13Caleb Hammer?

  That's a joke!

• 1:12:16Speaker 03

  I disagree.

• 1:12:18Caleb Hammer?

  How?

• 1:12:19Speaker 03

  Because I don't ask for it. It's automatically done.

• 1:12:21Caleb Hammer?

  I didn't say you did! I didn't say you did. I said you go and rack up all the money on bull spending on cars they don't have access to. And then in order to make your payments, you drain your accounts. Then they say, "Oh no, Bull Will, Bull Will, Dax, Dax doesn't have all money, he doesn't have money. Let's give him money."

• 1:12:46Speaker 03

  I mean, I don't ask for it, so it's there.

• 1:12:49Caleb Hammer?

  I just said that doesn't matter. It's how you do it.

• 1:12:54Caleb Hammer?

  It's how you do it. It's what you do with the... How, how can, how are you not comprehending that, buddy? Big guy. Friend.

• 1:13:06Caleb Hammer?

  Mr. Dax. Dax. Why are you not able to comprehend what the guy am saying?

• 1:13:15Speaker 03

  Lack of oxygen.

• 1:13:16Caleb Hammer?

  Yeah, where's the tank?

• 1:13:19Speaker 03

  Behind you.

• 1:13:22Caleb Hammer?

  Wow. Whoa, you think you're clever. Jeez, that's, that's a rough one, man. I'm sorry. I'm sorry. Woo! I gotta get you out of the truck. It's not a good place for you, not a good place for the dog. Okay, fam. $600, do we have a minimum monthly payment agreed upon for that, or what?

• 1:13:41Speaker 03

  No, that's the one we just discussed.

• 1:13:43Caleb Hammer?

  Huh?

• 1:13:43Speaker 03

  That's the one we just discussed. Where she don't, she don't care. It's just, whenever.

• 1:13:53Caleb Hammer?

  Why do you become...

• 1:13:55Speaker 03

  There's no minimum payment.

• 1:13:59Caleb Hammer?

  Why do you wait for him to leave to give me in care?

• 1:14:08Caleb Hammer?

  Dax.

• 1:14:09Speaker 03

  Yes.

• 1:14:09Caleb Hammer?

  My boy. What the are you on?

• 1:14:15Caleb Hammer?

  Okay. Okay, there's no agreed upon payments, but payments. What have the conversations been around this?

• 1:14:22Speaker 03

  It's just pay me back when you can.

• 1:14:25Speaker 03

  That's all it is.

• 1:14:26Caleb Hammer?

  But if you don't ask for it, it's just given upon you. It's a forced upon debt.

• 1:14:32Speaker 03

  I can see that.

• 1:14:34Caleb Hammer?

  No, let's not make you a little victim. I'm giving you that ability. No, no, no. You don't need that in your life.

• 1:14:41Speaker 03

  It is a debt, but it needs to be paid back, but you know.

• 1:14:44Caleb Hammer?

  The conversations you have it, what do you say? What does she say?

• 1:14:50Speaker 03

  I would ask how much in total she spent and she would tell me.

• 1:14:57Speaker 03

  But it's not him asking her for the money.

• 1:15:01Caleb Hammer?

  I've never had someone fart in the city this many times.

• 1:15:04Speaker 03

  Listen, you also.

• 1:15:05Caleb Hammer?

  And I know the difference. I know the difference. You are not getting out of it. It's just leaking and you probably don't even know.

• 1:15:11Speaker 03

  That's gross.

• 1:15:12Caleb Hammer?

  Yes, but I'm the one smelling it.

• 1:15:16Speaker 03

  I don't know what you're smelling, don't smell anything.

• 1:15:18Caleb Hammer?

  Over the past year and a half, my team and I have worked with experts to create the literal best four financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget, no matter where you are in life, how you should be investing based on your investing profile and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below.

• 1:16:01Caleb Hammer?

  But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to Calebhammer.com or just click those links in the description below. Money to friend. Yeah, money to friend. Two years ago? It's one thousand nine hundred ninety-one dollars.

• 1:16:24Speaker 03

  It wasn't more than that.

• 1:16:25Caleb Hammer?

  What the fuck are you doing? But it was two. You haven't paid him in over two fucking years, though. It was originally four thousand, but you haven't paid in two years.

• 1:16:33Speaker 03

  Right, I'm supposed to pay.

• 1:16:34Caleb Hammer?

  What the? With them. By not going to Arby's, you f- What are you, what? Why don't- By not subbing to OF, by not getting happy endings. What do you think? By not putting the money where you put it. And giving it to- Why did you borrow this? And why have you not paid in two years? Let's hear an answer. And don't tell me oxygen tank.

• 1:16:59Speaker 03

  Um. I don't exactly remember why it was borrowed.

• 1:17:04Caleb Hammer?

  Oh, for fuck's sake. You're not-

• 1:17:10Speaker 03

  I don't remember why it was borrowed. It's been so long, I couldn't give you a reason.

• 1:17:13Caleb Hammer?

  It's been four years?

• 1:17:15Speaker 03

  Yeah, I can't remember what I borrowed it for.

• 1:17:17Caleb Hammer?

  No, it's- No, it's been four ye- You did not borrow it at four.

• 1:17:23Speaker 03

  No.

• 1:17:24Caleb Hammer?

  You know that, right?

• 1:17:24Speaker 03

  That's not what I said.

• 1:17:28Caleb Hammer?

  That is what you said.

• 1:17:30Speaker 03

  No. It's been four years. I don't remember within the four, previous four years, what the money was borrowed for.

• 1:17:37Caleb Hammer?

  Okay, I know what the fuck I do. How do you not know?

• 1:17:41Speaker 03

  I just don't remember what it was for.

• 1:17:43Caleb Hammer?

  Four thousand dollars to a friend is not insignificant.

• 1:17:46Speaker 03

  At one time.

• 1:17:47Caleb Hammer?

  Uh, you told me it was a four thousand hour- You told the producer it was a four thousand hour loan. You took it out-

• 1:17:52Speaker 03

  It wasn't at once.

• 1:17:56Caleb Hammer?

  What kind of stuff were you borrowing it for? Dax?

• 1:18:00Speaker 03

  Probably rent, I don't know.

• 1:18:02Caleb Hammer?

  Why?

• 1:18:04Speaker 03

  Because I was contractor at one point.

• 1:18:07Caleb Hammer?

  But you didn't even have an ex to blame it on at that point. A fake ex.

• 1:18:12Speaker 03

  No. Because we were still in a relationship at that point.

• 1:18:16Caleb Hammer?

  It doesn't make sense. You said you were together three years and you broke up six months ago.

• 1:18:20Speaker 03

  Now it's been six.

• 1:18:25Caleb Hammer?

  Six.

• 1:18:26Speaker 03

  We broke up about six months ago.

• 1:18:29Caleb Hammer?

  What it just, Dax, Dax, Dax, my, my, my impression is Dax. So what the fuck are you talking about?

• 1:18:39Speaker 03

  The debt, I don't know what it's, the debt, the $4,000.

• 1:18:42Caleb Hammer?

  It's warm in here. I want to make sure you are not having a stroke.

• 1:18:45Speaker 03

  I might be.

• 1:18:46Caleb Hammer?

  No, no, no, like, I'm actually asking because you are not comprehending these questions. Are you okay?

• 1:18:51Speaker 03

  Yes.

• 1:18:53Caleb Hammer?

  Okay, then fucking try, because I literally just said that, and then you said it's been six.

• 1:18:58Speaker 03

  No, it's been six years.

• 1:19:01Caleb Hammer?

  Since what?

• 1:19:03Speaker 03

  In a relationship.

• 1:19:05Caleb Hammer?

  What? Oh, okay. That was a six-year relationship. Sorry, I thought I remembered three.

• 1:19:10Speaker 03

  Yes, the relationship with my current ex has been six years, but that four-year has, I don't know, it's...

• 1:19:22Speaker 03

  What it was borrowed for without, for the four years? I couldn't tell you what it was for.

• 1:19:26Caleb Hammer?

  Okay, why the fuck haven't you paid in two years? How about that?

• 1:19:29Speaker 03

  Because he don't mind. He'd much rather have the friendship than...

• 1:19:32Caleb Hammer?

  He don't mind.

• 1:19:34Speaker 03

  He much rather have the friendship.

• 1:19:35Caleb Hammer?

  We need to practice just talking, man.

• 1:19:40Caleb Hammer?

  Go on.

• 1:19:42Speaker 03

  He much rather have the friendship than have the money back.

• 1:19:45Caleb Hammer?

  That, that, it should not be either or. If you're a good friend, you'd pay it back.

• 1:19:50Speaker 03

  That's true.

• 1:19:51Caleb Hammer?

  Yeah, it's true. So why the fuck aren't you? I didn't ask, why isn't he asking? I'm asking, why aren't you?

• 1:19:58Speaker 03

  I kind of forgot about it, honestly.

• 1:20:00Caleb Hammer?

  Both you fucking told us.

• 1:20:04Caleb Hammer?

  Dax!

• 1:20:05Speaker 03

  Yes.

• 1:20:07Caleb Hammer?

  Answer the question.

• 1:20:10Speaker 03

  I don't know what, I told you, I don't know what it's for, dude.

• 1:20:13Caleb Hammer?

  Oh, that's what I'm asking! Oh, I'm asking why you haven't made a payment in four years? No, it's not because you forgot about it, because you literally told us about it, so why the fuck not?

• 1:20:23Speaker 03

  I just haven't, I kind of forgot about it, to be honest.

• 1:20:28Caleb Hammer?

  No, that's not to be honest, you, I don't think you've been honest once in your life. What happens if we call your friend? What would he say?

• 1:20:35Speaker 03

  Well, I just told you.

• 1:20:36Caleb Hammer?

  Call him and ask him his opinion on the debt and that you haven't paid.

• 1:20:41Speaker 03

  On the debt that I owe him?

• 1:20:42Caleb Hammer?

  And that you haven't paid in two years. Mine of the debt is $1,991. Yeah, you gave us down to the dollar, so you don't remember?

• 1:20:50Caleb Hammer?

  Speaker to here. We'll bleep names if names are said it, so it's okay.

• 1:21:01Caleb Hammer?

  Do people not know how to pick up phones and?

• 1:21:05Speaker 03

  He does flatbeds, we don't want to be.

• 1:21:07Caleb Hammer?

  We are filming a the financial audit right now.

• 1:21:19Caleb Hammer?

  Okay, we'll try him again in the post show. People are not answering that now.

• 1:21:23Speaker 03

  Should I?

• 1:21:24Caleb Hammer?

  They don't know how important this is. Yeah, give him a text. Give him both a text. Say you want to talk to both of them. The ex and.

• 1:21:31Speaker 03

  You already tried calling the ex.

• 1:21:32Caleb Hammer?

  Yeah, text him, just saying, asking if he can pick up. Like, what up, twink?

• 1:21:36Speaker 03

  He would have already called you back.

• 1:21:39Caleb Hammer?

  Just text him, dude. I'm on, I have two not just our bonds, so I don't, I mean, he may have. Okay, why do I see debt to ex's sister?

• 1:21:49Speaker 03

  That's for the car because I don't have a car for.

• 1:21:52Caleb Hammer?

  Car? Vehicle?

• 1:21:53Speaker 03

  Yes.

• 1:21:53Caleb Hammer?

  Car? Okay.

• 1:21:55Speaker 03

  Instead of the start, the car that I sold, that I paid the debt off with.

• 1:22:01Speaker 03

  My current vehicle that I have, that I purchased after, was hit by hail.

• 1:22:08Speaker 03

  So we didn't, I didn't have, um.

• 1:22:10Caleb Hammer?

  Insurance?

• 1:22:12Speaker 03

  Rental's insurance.

• 1:22:13Caleb Hammer?

  Rental?

• 1:22:14Speaker 03

  Yeah, rental, when you hit, the vehicle is an auto body shop. I didn't have a.

• 1:22:18Caleb Hammer?

  Oh, oh, yes, okay.

• 1:22:19Speaker 03

  So.

• 1:22:21Speaker 01

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• 1:22:50Caleb Hammer?

  Darwin, it was in the fucking shop?

• 1:22:52Speaker 03

  Yeah, that way he could have something to drive to go to work.

• 1:22:55Caleb Hammer?

  But why'd you just use the justification of your car being in the shop for you buying a car? And also used his sister's money?

• 1:23:02Speaker 03

  No.

• 1:23:03Caleb Hammer?

  I see money owed to X's sister.

• 1:23:05Speaker 03

  Yeah, I bought the car from her. For my ex.

• 1:23:10Caleb Hammer?

  But use the reason of your car being in the shop.

• 1:23:12Speaker 03

  Hellstorm. It was in for a month and a half.

• 1:23:15Caleb Hammer?

  Yes, I know why. We've established that part. You said that's why you got the car and then you said it was for him, but you said it was because your car was in the shop.

• 1:23:22Speaker 03

  Right. I didn't have a rental agreement. So I, he needed to get back and forth to work, so his sister had an additional car to use.

• 1:23:29Caleb Hammer?

  You driving back and forth to work typically?

• 1:23:31Speaker 03

  No, I'm over the road.

• 1:23:33Caleb Hammer?

  So why does your car being in the shop matter?

• 1:23:36Speaker 03

  Because he got repaired. And there was only one vehicle.

• 1:23:41Caleb Hammer?

  Okay, so he used your car?

• 1:23:43Speaker 03

  Yes, he was using.

• 1:23:44Caleb Hammer?

  There we go. Dude, that is so much, why could you just say that? You pretend like me and the audience and Lindsay and Jake already know your life. We don't. We're uncovering it right now. You have to give context.

• 1:23:59Caleb Hammer?

  Dax!

• 1:24:00Speaker 03

  Yes, there was only one vehicle.

• 1:24:02Caleb Hammer?

  Are you paying her?

• 1:24:03Speaker 03

  Yes.

• 1:24:04Caleb Hammer?

  How much a month?

• 1:24:05Speaker 03

  Two hundred.

• 1:24:06Caleb Hammer?

  Okay, how much did you borrow at the start of it?

• 1:24:09Speaker 03

  I didn't borrow. I owed her the full balance of twenty seven hundred.

• 1:24:14Caleb Hammer?

  Okay, that is two hundred a month.

• 1:24:27Caleb Hammer?

  I never know what I'm walking into when I'm walking into this room.

• 1:24:33Speaker 03

  Well, I've paid about fourteen hundred of it so far, of this twenty seven hundred.

• 1:24:37Caleb Hammer?

  Yes, you have.

• 1:24:40Caleb Hammer?

  Okay.

• 1:24:42Caleb Hammer?

  Okay. And please tell me you're not paying for the insurance, right?

• 1:24:48Speaker 03

  Yes.

• 1:24:50Speaker 03

  Cause it's under the same policy.

• 1:24:52Caleb Hammer?

  So yes, you are paid for.

• 1:24:54Speaker 03

  Yes.

• 1:24:55Caleb Hammer?

  Get a different policy. You're paying for your ex's car insurance?

• 1:25:00Speaker 03

  Yeah.

• 1:25:01Caleb Hammer?

  Your daddy and without the sugar still.

• 1:25:03Speaker 03

  Still, yep.

• 1:25:04Caleb Hammer?

  Even though it doesn't, doesn't sound like you got much, but regardless, why? Get a fuck a policy.

• 1:25:11Speaker 03

  I need to. It's kind of expensive anyway.

• 1:25:13Caleb Hammer?

  I asked why?

• 1:25:16Speaker 03

  Why need to have a different policy?

• 1:25:18Caleb Hammer?

  Why you aren't getting one?

• 1:25:20Speaker 03

  I need to.

• 1:25:21Caleb Hammer?

  I'm asking why you aren't?

• 1:25:24Speaker 03

  Because I'm calling around getting quotes to for insurance.

• 1:25:29Caleb Hammer?

  Why it takes five seconds online? It takes five fucking seconds online.

• 1:25:33Speaker 03

  I know.

• 1:25:33Caleb Hammer?

  It takes five seconds.

• 1:25:35Speaker 03

  I've gotten some quotes.

• 1:25:36Caleb Hammer?

  What calls are you making?

• 1:25:37Speaker 03

  I've gotten some quotes for the, for new insurance.

• 1:25:40Caleb Hammer?

  And?

• 1:25:42Speaker 03

  It's about the same.

• 1:25:46Caleb Hammer?

  Do you want to be paying for his?

• 1:25:48Speaker 03

  No.

• 1:25:48Caleb Hammer?

  That switch.

• 1:25:51Speaker 03

  I agree.

• 1:25:52Caleb Hammer?

  Then why aren't you?

• 1:25:53Speaker 03

  It needs a switch.

• 1:25:54Caleb Hammer?

  You, you haven't answered why you're not. You answered you've gotten quotes, but not the why you have not.

• 1:26:01Speaker 03

  Cause he claimed he don't have money to put money towards.

• 1:26:05Caleb Hammer?

  Claimed he don't have money.

• 1:26:06Speaker 03

  Towards his own insurance. Cause you gotta have money down.

• 1:26:09Caleb Hammer?

  Does it matter? It's him. It's your ex. You are not the, the providing the money anymore.

• 1:26:16Speaker 03

  It shouldn't matter now.

• 1:26:18Caleb Hammer?

  Oh, okay. Got very focused on a black screen over there. Okay. Huh?

• 1:26:23Speaker 03

  Real life 360. Life 360. I unmuted it cause they call back.

• 1:26:29Caleb Hammer?

  Okay. There's the IRS debt.

• 1:26:32Speaker 03

  Yes.

• 1:26:33Caleb Hammer?

  Wonderful. Why the do you have IRS debt?

• 1:26:35Speaker 03

  Because that was when I was leasing a truck through a company.

• 1:26:39Caleb Hammer?

  And?

• 1:26:41Speaker 03

  It, I never paid the taxes on it. It built up.

• 1:26:46Caleb Hammer?

  Cause you're a contractor.

• 1:26:47Speaker 03

  Correct.

• 1:26:49Caleb Hammer?

  Not because you were leasing a truck, but because you were a contractor. That was the tax structure.

• 1:26:54Speaker 03

  Right.

• 1:26:57Caleb Hammer?

  The way you answer these questions are.

• 1:27:10Caleb Hammer?

  Can I let you know something, Dax?

• 1:27:12Speaker 03

  Sure.

• 1:27:15Caleb Hammer?

  We almost ended this conversation 15 minutes in, but I'm very glad we didn't. Because this is so interesting.

• 1:27:26Caleb Hammer?

  You are such an interesting person.

• 1:27:28Speaker 03

  It's been a while since you said that.

• 1:27:30Caleb Hammer?

  Huh?

• 1:27:31Speaker 03

  It's been a while since you've said that.

• 1:27:33Caleb Hammer?

  Do you watch every episode?

• 1:27:34Speaker 03

  Yeah.

• 1:27:35Caleb Hammer?

  Why don't you know how to act then?

• 1:27:40Speaker 03

  There's the camera, yes.

• 1:27:42Caleb Hammer?

  You nervous?

• 1:27:43Speaker 03

  Yeah.

• 1:27:43Caleb Hammer?

  Okay, okay.

• 1:27:47Caleb Hammer?

  It's okay, buddy. Your dog's here. $13,528.41 is owed to the IRS because you were a contractor. Didn't save up-

• 1:27:57Speaker 03

  More than $13,000.

• 1:28:00Speaker 03

  Just three years.

• 1:28:00Caleb Hammer?

  How much? Oh, my [bleep]. So that's one year?

• 1:28:04Speaker 03

  Yes, that's one year. There's 21-

• 1:28:05Caleb Hammer?

  Well, let's start with this. Let's start with this, dude. Okay, you're accruing interest and penalty. Are you paying? Are you making payments?

• 1:28:12Speaker 03

  Yes, I'm on a payment plan.

• 1:28:13Caleb Hammer?

  What is your monthly payment for this one?

• 1:28:15Speaker 03

  $4.53.

• 1:28:15Caleb Hammer?

  For this one alone?

• 1:28:16Speaker 03

  No, no, for all three combined.

• 1:28:19Caleb Hammer?

  Okay, I guess we'll add them all up. So it's three years of contracting that you didn't pay taxes. Wouldn't you learn your lesson after the first [bleep] year?

• 1:28:26Speaker 03

  You would think.

• 1:28:26Caleb Hammer?

  I would think.

• 1:28:28Speaker 03

  There's times that I have paid, but it wasn't the full amount, so.

• 1:28:31Caleb Hammer?

  But why did you not learn your lesson after a whole year?

• 1:28:35Speaker 03

  I thought the economy would have gotten better.

• 1:28:38Caleb Hammer?

  What does that mean about saving for taxes, Dax?

• 1:28:41Speaker 03

  Make more money.

• 1:28:41Caleb Hammer?

  Huh?

• 1:28:42Speaker 03

  Make more money.

• 1:28:43Caleb Hammer?

  This doesn't make it- No, why didn't you learn to set money aside on year two and three? The economy doesn't have anything to do with setting aside money. Huh?

• 1:28:54Speaker 03

  I just never, I didn't do it. That's the first time I had a done contractor.

• 1:28:57Caleb Hammer?

  No, but it was three years of it. You would learn that you owed money after the first year. Please, please get, please understand what I am saying. How did you not learn the second year? Maybe we should correct our behavior.

• 1:29:10Caleb Hammer?

  Dax?

• 1:29:10Speaker 03

  I couldn't.

• 1:29:11Caleb Hammer?

  Why?

• 1:29:14Speaker 03

  I tried, it was just, you know, spend, spend, spend, spend.

• 1:29:17Caleb Hammer?

  That's not trying. That's you spending, spending, spending, spending.

• 1:29:20Speaker 03

  When I had the, when I was 1099, I was paying the credit cards off every month.

• 1:29:26Caleb Hammer?

  You're not, why did you not attempt to set aside, did you know to set aside money? After you realized, oh, I didn't set aside money the first year?

• 1:29:35Speaker 03

  Yeah.

• 1:29:36Caleb Hammer?

  Then why the didn't you?

• 1:29:39Speaker 03

  Just didn't I, you know, pay bills?

• 1:29:43Caleb Hammer?

  That's a bill.

• 1:29:45Speaker 03

  No, no, these bills.

• 1:29:49Caleb Hammer?

  Tax.

• 1:29:53Caleb Hammer?

  Tax.

• 1:29:54Speaker 03

  But I know what the total is for that for the three years.

• 1:29:56Caleb Hammer?

  Thirty seven thousand seven hundred three dollars and thirty two cents. What's the minimum?

• 1:30:02Speaker 03

  For all three combined is four fifty three.

• 1:30:05Caleb Hammer?

  And what's the interest?

• 1:30:07Speaker 03

  I have no minimum, so I'm generally eight percent.

• 1:30:09Caleb Hammer?

  Plus like two or three, so it's probably around eight percent. This is gonna take forever to pay off. Thirty seven thousand seven hundred three dollars and thirty two cents. And you were only able to pay your taxes by being a W two individual?

• 1:30:26Speaker 03

  Correct, which is why I'm now back to doing W two.

• 1:30:30Caleb Hammer?

  I shouldn't be, it's the same, basically.

• 1:30:34Caleb Hammer?

  You pay, you sometimes pay a little bit more when you're self-employed, but you also have more ways to get rid of some, deduct some taxes, write off some things. What? I have notes you have to owe Oklahoma taxes as well, but you don't even know how much?

• 1:30:49Speaker 03

  Yeah, I can't log in. I've tried creating an account.

• 1:30:54Speaker 03

  I've had to help trying to create an account. I can't figure it out.

• 1:30:57Caleb Hammer?

  Call?

• 1:30:58Speaker 03

  One of them for the, for the first year.

• 1:31:01Caleb Hammer?

  You looked so shocked when I said call.

• 1:31:04Speaker 03

  Well, I mean, I could have, but I was trying to, they're gonna tell you to set the account up online anyway.

• 1:31:09Caleb Hammer?

  Not necessarily. Did you call?

• 1:31:11Speaker 03

  No, I did not.

• 1:31:11Caleb Hammer?

  Well, how do you know that then?

• 1:31:14Speaker 03

  Assuming.

• 1:31:17Caleb Hammer?

  Are you, how much you think you owe?

• 1:31:20Speaker 03

  For twenty twenty one, um, it was.

• 1:31:23Caleb Hammer?

  Just one year?

• 1:31:25Speaker 03

  There's the three years.

• 1:31:29Speaker 03

  The three years of contractor, I would owe for every year.

• 1:31:34Caleb Hammer?

  Yeah. How much do you think you owe to Oklahoma?

• 1:31:38Speaker 03

  In total, twenty thousand? I don't know.

• 1:31:51Caleb Hammer?

  Okay. You think you owe 20,000 in Oklahoma?

• 1:31:54Speaker 03

  Correct.

• 1:31:55Caleb Hammer?

  Okay, separately from the IRS to confirm.

• 1:31:57Speaker 03

  Correct.

• 1:31:59Caleb Hammer?

  Okay.

• 1:32:06Caleb Hammer?

  Okay, and you're not on a payment plan, but you will be eventually. But at least you're fleeing. What's this? You got text asking for Oklahoma taxes from a Michigan phone number? You click the links in the text?

• 1:32:19Speaker 03

  But they don't work.

• 1:32:20Caleb Hammer?

  But you got scammed, potentially?

• 1:32:23Speaker 03

  Well.

• 1:32:25Speaker 03

  The, the website, the links that they send? I guess they expire after a certain period of time.

• 1:32:30Caleb Hammer?

  Why would a Michigan phone number text you about Oklahoma tax?

• 1:32:33Speaker 03

  Don't know, that's why I didn't call her back.

• 1:32:36Caleb Hammer?

  But you clicked the links?

• 1:32:38Speaker 03

  Yeah, because the links go directly to a business in Oklahoma.

• 1:32:42Caleb Hammer?

  You are gonna fall for a phishing scam. Within a year, you're gonna get like horny and fall for like a

• 1:32:50Caleb Hammer?

  horny phishing scam.

• 1:32:52Speaker 03

  You say so.

• 1:32:53Caleb Hammer?

  Do you know what that is?

• 1:32:54Speaker 03

  A phishing scam?

• 1:32:57Speaker 03

  Not really, no.

• 1:32:58Caleb Hammer?

  Oh buddy, good luck. Good luck out there.

• 1:33:03Speaker 03

  I don't get phone calls for that, so I wouldn't know.

• 1:33:05Caleb Hammer?

  Huh?

• 1:33:06Speaker 03

  I wouldn't, I don't get phone calls for, like that all that's blocked.

• 1:33:10Caleb Hammer?

  Okay.

• 1:33:12Caleb Hammer?

  Do you have an email?

• 1:33:13Speaker 03

  Yeah.

• 1:33:14Caleb Hammer?

  Okay.

• 1:33:16Speaker 03

  I don't click on any, I usually delete spam.

• 1:33:19Caleb Hammer?

  I hope so. Listen buddy, I'd use a Fiz card, that's all you can use. Cause at least it only lets you spend on a checking account, so you're not over your family member as well. Oh, the IRS doesn't say, there's still more? Okay, the Hyundai, what's going on with the in this?

• 1:33:33Speaker 03

  That's the one they got. Uh, hit with hail. That's my current vehicle.

• 1:33:39Caleb Hammer?

  Okay, but it's all good now?

• 1:33:42Speaker 03

  Yes, it's been repaired.

• 1:33:43Caleb Hammer?

  Okay, $34,769.33 and you never use it, right?

• 1:33:49Speaker 03

  Not really.

• 1:33:50Caleb Hammer?

  You have a $769.88 minimum monthly payment on a thing you never use.

• 1:36:01Caleb Hammer?

  I don't want to jerk myself off. How do I always know?

• 1:36:03Speaker 03

  You sure about that?

• 1:36:07Caleb Hammer?

  Yeah, but right now it's Apple Care Plus, CAF Cut and iCloud Plus.

• 1:36:12Caleb Hammer?

  But I know Facetune, Body Editor, this doesn't help with render, we all know.

• 1:36:17Speaker 03

  Junk ass apps.

• 1:36:19Caleb Hammer?

  Cause then you just meet up with someone and then they're not what you think. And then it's just like, listen, embrace the chub, embrace the chub. The chubby chasers will find you. You'll lure. You'll lure with your immense gravity and it just, they'll get you.

• 1:36:35Caleb Hammer?

  Okay. We don't need to do the magic editor.

• 1:36:40Caleb Hammer?

  Screen mirroring, uh, Face Lab, Bloom AI Editor, come on. Chatbox. AI Image Generator, what are we doing?

• 1:36:52Speaker 03

  It don't work. So I was playing around with them.

• 1:36:58Caleb Hammer?

  Very curious.

• 1:37:01Caleb Hammer?

  We're gonna look at something in the post show. We're gonna look at something naughty. We'll keep it behind the paywall so we don't get demonetized. It's gonna be very, very gooey as the poster typically is. Zell out, zell out, zell out, zell out, zell out, zell out, zell out. All in one month. What was it?

• 1:37:17Speaker 03

  What are the amounts?

• 1:37:18Caleb Hammer?

  Hundreds, hundreds, hundreds, fucking 20, 50, hundreds. It's just so many zells, dude.

• 1:37:22Speaker 03

  So if it's from Bank of America, it's probably to my, to that SoFi account for food.

• 1:37:28Caleb Hammer?

  Oh, okay. Here's the SoFi account.

• 1:37:30Speaker 03

  And that's gonna be all bull.

• 1:37:31Caleb Hammer?

  And he balances half of what I started at. Now it's $76.70, Dunkin' Donuts. BS, BS, Burger King, BS, BS, BS, Bojangles, Bojangles, come the fuck.

• 1:37:45Speaker 00

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

• 1:38:10Caleb Hammer?

  Gone. Dealer? BS, BS Burger King, Arby's. Hardee's. BS, BS, Arby's.

• 1:38:24Caleb Hammer?

  HTO Children's?

• 1:38:26Speaker 03

  Hmm?

• 1:38:27Caleb Hammer?

  HTO Children's.

• 1:38:29Speaker 03

  HTO. Childress. The location? Childress, up north.

• 1:38:38Caleb Hammer?

  BS, BS Chili's, oh for fuck's sake, Arby's, BS, Arby's, Wendy's, HTO Children's, Arby's, Mitch's.

• 1:38:49Speaker 03

  Barbecue.

• 1:38:51Caleb Hammer?

  BS, BS, BS, BS, McDonald's, Denny's online. Out of all the Denny's to get, you get the fucking order online? Go in and get into BS McDonald's, Denny's, at least that one wasn't online. Going in, getting some BS, Road Ranger. McDonald's, Sonic Drive-In, that wasn't a drink that time, or you're double fisting. Taco Cabana, going in against BS, dude, this is fucking insane. What, this is disgusting. This is disgusting.

• 1:39:20Caleb Hammer?

  Moving out of mom's house. Before we know it.

• 1:39:28Caleb Hammer?

  Four thousand seven hundred dollars comes in on a monthly basis. Your new rent is eight hundred, that it's gonna be, right?

• 1:39:32Speaker 03

  Correct.

• 1:39:33Caleb Hammer?

  Cool. That includes all utilities and everything. How does food work in this house that you'll be moving into with mother?

• 1:39:38Speaker 03

  Um.

• 1:39:40Caleb Hammer?

  Does she buy, do you buy, is it a combined pile?

• 1:39:43Speaker 03

  It might be combined.

• 1:39:45Caleb Hammer?

  Do you actually know?

• 1:39:47Speaker 03

  Not at the moment, no.

• 1:39:47Caleb Hammer?

  Okay, then we'll budget like it's not combined. hun, what, bleh, debt payments, one thousand seven hundred forty-three dollars and any sense? I don't think it was your rent that was killing you. It's your inability to pay off your debt and spending more money on food than you can ever possibly eat. Except unfortunately, probably not true. Phone bill?

• 1:40:05Speaker 03

  Uh, forty-five.

• 1:40:07Caleb Hammer?

  Not bad. I like that.

• 1:40:10Caleb Hammer?

  Gas, vroom, vroom, drive, drive, personal?

• 1:40:13Speaker 03

  Uh, maybe eighty a month?

• 1:40:17Caleb Hammer?

  Still quite a bit. Car insurance?

• 1:40:20Speaker 03

  Two forty?

• 1:40:22Caleb Hammer?

  Okay, $300 for groceries, $100 for miscellaneous bullshit, we'll do $150, include the pup in there to keep him occupied while driving. Do you have dog insurance?

• 1:40:32Speaker 03

  No.

• 1:40:33Caleb Hammer?

  You should. I will put in 40 bucks. Looks healthy. Pet food, how much?

• 1:40:37Speaker 03

  $105 a month.

• 1:40:39Caleb Hammer?

  $105. Medical healthcare, how much on a monthly basis?

• 1:40:43Speaker 03

  Um, I'm not sure because comes out my check out.

• 1:40:45Caleb Hammer?

  Co-pays or anything, though? No?

• 1:40:46Speaker 03

  No, I have fire medication every three months, 30 bucks.

• 1:40:51Caleb Hammer?

  Uh huh. Three months for?

• 1:40:53Speaker 03

  No, every three months, it's 30 bucks.

• 1:40:55Caleb Hammer?

  Okay, so 10 bucks. Anything else that needs to be in your budget that I have not taken into account?

• 1:41:00Speaker 03

  No.

• 1:41:01Caleb Hammer?

  Do you think there's something here?

• 1:41:04Speaker 03

  Too much spending.

• 1:41:05Caleb Hammer?

  What?

• 1:41:08Caleb Hammer?

  No way.

• 1:41:10Caleb Hammer?

  I mean, it's just, it's just you're spending, it's ridiculous, it's stupid, it's dumb, it's pointless. You need $3,513.88 to live. Didn't even have rent these last couple of months. I'm living in the truck. $1,186.12 is what you have left over.

• 1:41:27Caleb Hammer?

  To give you $186.12 of BS for the road, 1,000 hours left over on a monthly basis. Very good. Okay, well, yeah, but this is, I mean, it's gonna take 86 months.

• 1:41:39Caleb Hammer?

  To pay off the debt, pick up as many extra miles, trips, whatever you can. Do you get paid per?

• 1:41:44Speaker 03

  Per mile, yes.

• 1:41:45Caleb Hammer?

  Good. Take, you're just grind it, grind it, grind it. If, I don't want you to be single forever, but if you're choosing to be single forever, grind it out, pay off this debt, because right now it's gonna take seven years, so you may as well do bankruptcy again at that point. But again, there's no point of actually doing that without changing your behavior, because then you get here again, and then we have the same conversation a couple of years down the road. Change your behavior, then look at possible consolidations if you want to, or grind this out, bring in an extra $1,000 a month, pay this off in three years.

• 1:42:11Speaker 03

  How would I do that over the road?

• 1:42:13Caleb Hammer?

  Huh?

• 1:42:14Speaker 03

  How would I bring in an extra $1,000?

• 1:42:16Caleb Hammer?

  Can you pick up more? Or are you maxed?

• 1:42:18Speaker 03

  What they give me out, but I maxed that on.

• 1:42:20Caleb Hammer?

  So change roles, pick up another job.

• 1:42:23Speaker 03

  Okay.

• 1:42:25Speaker 03

  Maybe something online or something.

• 1:42:27Caleb Hammer?

  Yeah, whatever you can do, whatever you can do, change a different hauling job. I don't know, buddy, but if you can bring, listen, if you can bring in an extra $1,000 a month and you actually do this, and I actually gave you, well, it takes three and a half years. Listen, it's simple. This, this, this is ridiculous. If you just didn't do your spending, which were all your fault, you wouldn't be in this position, but you have to cut it back now, or not only are you going to be dead sooner, but you're going to be dying in debt. And certainly not leaving anything to the family, that's for sure. Guys, join us in the post show. We're going to do something very nutty. And there's probably some extra tea that we don't know about yet that the producers will bring in. And I think I'm going to bring in the translator as well. But Hammer Financial Score, spending the budget, you spend over what you got,

• 1:43:07Caleb Hammer?

  zero out of 10. Debt, IRS debt, zero out of 10. Emergency fund, 300 bucks, I'll give you a one out of 10 to be generous. Retirement?

• 1:43:14Speaker 03

  None.

• 1:43:15Caleb Hammer?

  Oh, for fuck's sake, guy. Zero out of 10. Real estate, zero out of 10. Truck doesn't count. Hammer Financial Score rounding up, 0.5 out of 10. Make sure to download the budget nap, sign up for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly to your door. Now go join us in the post show in the best YouTube membership on the face of the platform. Want to go through your [BLEEP].

• 1:43:36Speaker 03

  My [BLEEP] why'd you want to do that?

• 1:43:37Caleb Hammer?

  Pull it up, let's see your profile. If I click on this, there will not be [BLEEP]. This is a dangerous chat to click into.

• 1:43:42Speaker 03

  No, it should be just photos and then meme.

• 1:43:44Caleb Hammer?

  It's a real risky game you guys are doing.

• 1:43:45Speaker 03

  I feel like it is.

• 1:43:50Caleb Hammer?

  When I'm told, there's nothing on the other end. And the first thing I see-

• 1:43:53Speaker 03

  You're the one who decides to go through people's stuff.

• 1:43:55Caleb Hammer?

  I asked you! Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:44:07Speaker 05

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