Financial Audit’s Most Toxic Guest

▶they just fight fight fight, about gambling and gaming- they are at each others THROATS AGHHH watch post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶▶▶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: *FINANAL LOW PRICE CHANCE* 1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/ 2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget 3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. *LAST CALL FOR 25% OFF* Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 2. 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 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 6. 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) 7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10. 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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• 0:27Speaker 01

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

• 0:40Speaker 02

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

• 0:42Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. What is this manipulation that we're talking about?

• 0:47Speaker 04

  He took my credit cards away from me.

• 0:49Caleb Hammer?

  What? Why would you do that? Why would you allow that?

• 0:52Speaker 05

  She just kept hounding me and hounding me and hounding me.

• 0:54Speaker 04

  Since I've gotten pregnant, I do use that as a manipulation, I think.

• 0:57Caleb Hammer?

  Every weekend? Prepared to have a [bleep] kid? I had no idea how bad this was. 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.

• 1:18Speaker 04

  Hi, I'm Jessica, I'm 25.

• 1:20Speaker 05

  Hi, I'm Brandon and I'm 26 years old and we live in Quinlan, Texas.

• 1:24Speaker 04

  And this is Financial Audit.

• 1:27Caleb Hammer?

  I think he's autistic. He didn't look at the camera while introducing himself. Thanks for coming in, guys. Okay, well, everyone is these days. What do we, let's start with you. You're in front of me. What do you do for a living in Quinlan? I don't think I've heard of Quinlan personally.

• 1:41Speaker 04

  Um, I work from home and it's a-

• 1:44Caleb Hammer?

  What's your job?

• 1:45Speaker 04

  Oh, well, I-

• 1:46Caleb Hammer?

  Is that your job, working from home?

• 1:47Speaker 04

  Yes. No, I do accounting.

• 1:50Caleb Hammer?

  Okay, cool.

• 1:51Speaker 04

  For our credit card department.

• 1:52Caleb Hammer?

  Gotcha. Okay, credit card department at essentially an anonymous company. That works for me.

• 1:57Speaker 04

  Yeah.

• 1:57Caleb Hammer?

  Uh, okay, what are you making?

• 1:59Speaker 04

  I make a $24.50 an hour and then we get a yearly bonus.

• 2:03Caleb Hammer?

  What's the yearly bonus?

• 2:04Speaker 04

  5%.

• 2:05Caleb Hammer?

  How many hours a week are you working typically?

• 2:07Speaker 04

  Uh, 40 to 45.

• 2:10Caleb Hammer?

  Okay, okay. So what hits your account on a weekly basis from your paycheck? We're married?

• 2:14Speaker 04

  Yes.

• 2:15Caleb Hammer?

  Okay, what hits your account?

• 2:16Speaker 04

  Uh, bi-weekly, we get paid and I get about 30, or no, sorry, about $1,600 every two weeks.

• 2:26Caleb Hammer?

  Okay, what about you, my man? What do you do?

• 2:28Speaker 05

  Um, essentially the same thing, same company.

• 2:31Caleb Hammer?

  Same jobs in company?

• 2:32Speaker 04

  Yeah.

• 2:33Caleb Hammer?

  Working remote?

• 2:34Speaker 04

  Yes.

• 2:35Speaker 05

  We do, we do have to, it's mostly remote. We do drive to the office. Um, I, I go in on Fridays. She goes in twice a week, Wednesdays and Fridays, but as of right now, she's.

• 2:46Caleb Hammer?

  Do you guys? Oh!

• 2:48Speaker 05

  Yeah, so she's pregnant right now, so she's uh, working from home.

• 2:51Caleb Hammer?

  Okay. Yeah, that makes sense. Okay, when's the baby?

• 2:55Speaker 04

  July.

• 2:57Speaker 05

  Fifteenth.

• 2:59Caleb Hammer?

  Uh, we'll see. So.

• 3:02Caleb Hammer?

  Okay, good job. First one?

• 3:04Speaker 04

  Yes.

• 3:04Caleb Hammer?

  How long have we been married?

• 3:06Speaker 04

  A year and a month.

• 3:07Caleb Hammer?

  Okay, what's your pay?

• 3:09Speaker 05

  I'm sorry, oh, twenty-three fifty.

• 3:11Caleb Hammer?

  Why are you paid less?

• 3:12Speaker 05

  Uh, well, honestly, she's been there longer. That's why. That's the only reason, really.

• 3:16Caleb Hammer?

  Fair enough. So what hits the account from your pay?

• 3:20Speaker 05

  Uh, about fifteen.

• 3:23Caleb Hammer?

  Yeah, so you said you were sixteen, right?

• 3:24Speaker 04

  Yes.

• 3:25Caleb Hammer?

  Okay, so you're about fifteen hundred.

• 3:29Caleb Hammer?

  So with that three thousand, so we're talking like six thousand two hundred dollars on a monthly basis. This is a small town, right? Cause I don't think I've heard of it.

• 3:37Speaker 05

  Yeah, it's a pretty small town.

• 3:38Speaker 04

  Nobody knows what it is.

• 3:38Caleb Hammer?

  Okay, so there should be no issue yet. I mean, uh, obviously lots of substantial issue.

• 3:44Speaker 05

  Yeah.

• 3:44Caleb Hammer?

  What's going on, guys? What's happening? Well, the baby, I mean, if you guys are just living whatever kind of life to get in this kind of debt, are you even close to prepared to take care of the cost of a kid? It's not a cheap situation.

• 3:57Speaker 05

  Yeah, that's, that's.

• 3:58Speaker 04

  No.

• 3:58Speaker 05

  The main reason why we're here. We really wanna get the help to.

• 4:02Caleb Hammer?

  So what have we done? What's the problem?

• 4:05Speaker 04

  That, this is pre-baby. This is.

• 4:08Caleb Hammer?

  Everything's pre-baby. It's not here.

• 4:10Speaker 04

  Yeah, but I'm saying.

• 4:12Caleb Hammer?

  Your existence right now is pre-baby.

• 4:15Speaker 04

  Um, I just made.

• 4:18Speaker 04

  I just made a lot of like, bad decisions financially.

• 4:22Speaker 05

  She wears the pants, she takes, she takes care of all the finances, so. I just kind of, I just go to work.

• 4:29Caleb Hammer?

  Why aren't you participating? Or why don't you let him participate? What's the, how's it work?

• 4:33Speaker 04

  He, I do let him participate, right?

• 4:35Caleb Hammer?

  Okay, then why aren't you participating?

• 4:37Speaker 05

  Well, I.

• 4:37Speaker 04

  He just gives into me.

• 4:38Caleb Hammer?

  You're about to be a dad.

• 4:40Speaker 05

  Yeah.

• 4:40Caleb Hammer?

  Well, okay, so if it's, if it's a, he just gives into me, does that mean she's the fuck up? She's manipulative.

• 4:49Speaker 04

  That's crazy.

• 4:52Speaker 04

  Um, I will, okay.

• 4:55Speaker 04

  Yeah, I mean, I can manipulate a situation if I need to, I will, yeah.

• 4:58Caleb Hammer?

  Okay, we laugh about it and then immediately admit that's true, that's weird, okay?

• 5:02Speaker 04

  That's shocking, I didn't expect that.

• 5:04Caleb Hammer?

  Huh?

• 5:05Speaker 04

  That was shocking, I didn't expect that.

• 5:07Caleb Hammer?

  Why'd you say that?

• 5:08Speaker 05

  Because, well, like-

• 5:09Caleb Hammer?

  You giggled about it, was that an immediate coke giggle or are you f'ing around?

• 5:12Speaker 05

  For an instance, just small instance, like it's not anything like crazy, but like, the other day, like she really wanted some McDonald's. And I was like, no, like, we don't need to go get it, or whatever, we don't need it, we've got plenty of food here, we just went grocery shopping, like, earlier in the week. And then like she just kept hounding me and hounding me and hounding me, and finally I gave in and I went and got her some freaking McDonald's.

• 5:36Caleb Hammer?

  What are we prioritizing right now? I mean, a McDonald's order, right? That's not-

• 5:40Speaker 04

  Right.

• 5:41Caleb Hammer?

  Make or break for our life, and I'm sure you make well above the median income. So, obviously you guys should be doing pretty well.

• 5:49Speaker 04

  Yes.

• 5:49Caleb Hammer?

  What's the issue?

• 5:51Speaker 05

  Uh, well, one of the things that really made our finances go, or give us, get us in such a big hole was the wedding. That was-

• 6:01Caleb Hammer?

  A year ago?

• 6:02Speaker 05

  Yeah.

• 6:03Caleb Hammer?

  You can't, no, no fucking way. Listen, I don't know your finances, I go in blind with the audience, but I see credit one at the top. The credit, a credit one is the worst of the worst of the worst. No way you're just in just mountains of credit cards because of just the wedding.

• 6:17Speaker 05

  No, no.

• 6:18Caleb Hammer?

  It has to be more than that.

• 6:19Speaker 04

  Well, also Christmas.

• 6:21Speaker 05

  It's not just a wedding.

• 6:22Speaker 04

  I-

• 6:22Caleb Hammer?

  Well, you don't have a fucking kid yet!

• 6:24Speaker 04

  There was at least eleven thousand dollars spent on the wedding.

• 6:28Caleb Hammer?

  Oh, I thought you were gonna say Christmas.

• 6:29Speaker 04

  No, no, but I mean, I'm sure there was like at least three, three thousand dollars probably spent on Christmas.

• 6:35Caleb Hammer?

  What is this manipulation that we're talking about? I wanna hear more about that, because it can't- Just be on McDonald's. I'm not gonna listen to that. That sounds like an immediate deflection, you know?

• 6:43Speaker 05

  It's just, it's just like, she wants something, she'll want something, and then like, if I tell her no, like, we shouldn't be doing that, she'll just keep bringing it up, bringing it up, and just keep hounding me for it, and then eventually I just get in.

• 6:54Caleb Hammer?

  What? I like how often, and like, okay, you brought up the example of McDonald's, but like, what's the, like, how often, and like, how substantial?

• 7:02Speaker 05

  Like, with, with the Christmas stuff, like, I didn't wanna like, go all out for like, Christmas or anything, and I didn't wanna spend any money at all, as much, as little as I possibly could, and then she was like, well, we can't feel like, or we can't be pieces of [BLEEP], so, I'm gonna put it all on my credit cards, and get everybody gifts.

• 7:20Speaker 04

  I will say that, also, like, since I've gotten pregnant, like, I use that as, like, I, I do use that as a manipulation, I think.

• 7:33Caleb Hammer?

  For fully acknowledging this, then why aren't you just stopping? I mean, like, usually if someone's manipulating, it's one person saying, they're manipulating me, and the other person's saying no, and you're like, no, yeah, I'm manipulating him, so what, what the [BLEEP] are we continuing at?

• 7:46Speaker 04

  Well, we just started having conversations about.

• 7:49Caleb Hammer?

  Okay, tell me about your guys' conversations, when it comes to finances, what are we doing?

• 7:53Speaker 04

  So, he doesn't, he doesn't do the bills. I do the budget for every single month. Every single time we get paid, he doesn't touch it.

• 8:02Caleb Hammer?

  But why do you think? He suggested it's because you just take control, and then do whatever you want? Is that what you suggested? It's kinda what I heard.

• 8:13Speaker 05

  I, and I, I can't say a hundred percent, like, she just does whatever she wants.

• 8:17Caleb Hammer?

  Then why aren't you participating? Cause you're about to have a kid, or you're not gonna participate in that?

• 8:20Speaker 05

  Absolutely.

• 8:20Caleb Hammer?

  Okay, so why aren't you participating in the households of the finances of the kid? The house that the kid's gonna live in, and grow up in?

• 8:27Speaker 05

  Now, I-

• 8:28Caleb Hammer?

  Now, five days before coming on, that's what always happens, so I don't give a [BLEEP] about that. Let's talk, let's talk in the most recent months, right? Now is nothing. You were coming on the show, you knew you were coming on the show, you went through the onboarding process, this is a multi-week thing. I don't give a [BLEEP] about that at the time. That is nothing. That is nothing.

• 8:44Speaker 04

  Since we've been together, I've always done the finances. I've always done our budget, and I've always, I can't even really say budget, because somehow, it, not somehow, we blow it out of the water every single time.

• 8:55Caleb Hammer?

  I want to know, why? Why just you? I feel like I'm not getting an answer.

• 9:02Speaker 04

  He doesn't spend money, like just point blank period. Like if we're spending money, it's mostly my idea.

• 9:08Speaker 05

  The main reason why she takes care of the uh, the main reason why she takes care of the budget, budget honestly is I'm not really that like. I guess I'm not, um, what's the freaking word? Ah.

• 9:20Speaker 04

  Savvy?

• 9:21Speaker 05

  No, it's not savvy. I'm just not patient enough. Patient enough. I'm not patient enough to do it. She's just better with it, so I let her do it.

• 9:29Caleb Hammer?

  Okay, again, let's talk about going into fatherhood. You're not impatient enough to look at numbers? What the you're gonna deal with a toddler?

• 9:37Speaker 05

  I gotta work on that for sure.

• 9:40Caleb Hammer?

  Yeah.

• 9:41Speaker 04

  Yeah.

• 9:43Speaker 04

  We set goals every single month. We just end up doing what we want.

• 9:46Caleb Hammer?

  We, what do you mean? How, how is it? How possibly are we able to use the word we if you're the only one that looks at it and?

• 9:51Speaker 04

  Because I take the goals to him and I say, this is how much money we have. This is how much money that we can spend on this. And then he says, okay, that looks great. I'll pay whatever I paid towards the bills and then I, we end up spending more than what I've allotted and then we fuck ourselves.

• 10:11Caleb Hammer?

  Then why don't you step in?

• 10:13Speaker 05

  I tried to.

• 10:13Caleb Hammer?

  What do you mean you tried to? Walk me through that. I am trying to get a baseline here. I want, I need to know, I need a little peek inside of what this money relationship is like. You tried to. What does I try to?

• 10:24Speaker 05

  Well.

• 10:24Caleb Hammer?

  And how does it go?

• 10:25Speaker 05

  So I do try to keep us from spending more money than we need to. Again, just a lot of the time when we go a- anytime we go do something, if she just wants to, if she wants to do something like, if she wants to add something to like the itinerary or whatever, then like.

• 10:39Caleb Hammer?

  Is, is it really just going and doing things? That's it. That's it. It just comes down to that. It's like we're on a trip or something. It's just doing that. What is the itinerary? Like we're going to Target and all of a sudden McDonald's gets added? Is that what we're talking about? We're talking, we're going to Disney and now we're gonna add a new park. What is this? We're adding to the itinerary? Cause that's vague.

• 10:59Speaker 05

  Well, I mean, being on the same, being on the same, uh. Like a count, it's kind of hard to manage like who's spending what.

• 11:07Caleb Hammer?

  What is adding to the itinerary?

• 11:10Speaker 05

  Oh, well, like.

• 11:12Speaker 04

  Like if our friends call and they're like, hey, we want to go out to dinner or we want to go see a movie or we want to go bowling, he will be perfectly fine with just like sitting at home. And I'm have FOMO and I don't want to not participate, so.

• 11:28Caleb Hammer?

  What? Is that adding things to the itinerary? You said when you were out and about.

• 11:33Speaker 05

  I mean, yeah, that's just like, I guess that's part of it. Yes. But like that, that right there honestly is, is most of it. I feel like because I.

• 11:40Caleb Hammer?

  How often is that?

• 11:41Speaker 05

  I will.

• 11:42Speaker 04

  Almost every weekend.

• 11:43Speaker 05

  Yeah.

• 11:44Speaker 04

  We're doing something every weekend.

• 11:45Caleb Hammer?

  Prepared to have a fucking kid. And financially, I mean, no way for coming on this show. Please tell me, please tell me some of this is a fucking mortgage because we are six figures in debt. It's all bad debt.

• 12:01Speaker 04

  Yeah.

• 12:02Caleb Hammer?

  Oh my, we're about to go through a thousand documents. Oh, for sake, we're going to be here for an eternity. What is this? One, two, three, four, five, six, seven, eight, nine, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20. 20 bad debts, not a single fucking mortgage over six figures. What the are we doing? No way what you guys are talking about, no way what you guys are talking about is even close. It's even close to insinuating how bad this actually is. I had no idea how bad this was with everything you said so far. I was expecting to look at the sheet that gives like a fucking recap of what all your debts are. I was expecting to see $20,000. What the have we done?

• 12:48Speaker 05

  Well.

• 12:48Caleb Hammer?

  What are you holding me? We're mid twenties. What have you done?

• 12:53Speaker 05

  Well.

• 12:54Caleb Hammer?

  And now, how much was the wedding before you answer? You said like 15,000?

• 12:57Speaker 04

  11,000.

• 12:58Speaker 05

  Like 11,000.

• 12:58Caleb Hammer?

  11,000. How are we over six figures? That'd be 10% of this. What the has happened? We have a kid coming.

• 13:06Speaker 04

  Right. Yeah, we, okay, so we do have a mortgage though.

• 13:10Speaker 05

  Yeah, that's two of those, two of those.

• 13:12Speaker 04

  That's two of those are, two of those loans are for our mortgage.

• 13:16Caleb Hammer?

  Come on.

• 13:18Speaker 04

  I think one is like eleven thousand and I think the other one

• 13:22Caleb Hammer?

  Hundred percent then?

• 13:23Speaker 04

  And then the other one is like twenty? No.

• 13:28Caleb Hammer?

  So it'd be twenty percent, so seventy percent of it is all you bad debt?

• 13:32Speaker 05

  Basically, yeah.

• 13:33Caleb Hammer?

  Oh my.

• 13:35Speaker 04

  And both of our cars.

• 13:36Caleb Hammer?

  Well, that is bad debt, probably depreciating asset, I don't give a Listen, you're probably in a situation where you live in a low cost of living area where you make maybe double the median household income and you've gone to this extent?

• 13:49Speaker 04

  Yes.

• 13:50Caleb Hammer?

  Why? Just bored working from home all day, it's just

• 13:55Caleb Hammer?

  Can I have the whiteboard? Can I have the whiteboard? I, I wanna see you guys do something. You're gonna collaborate on this. Your, a kit is coming. I need you to write out each category of what this kit is gonna cost. And a fucking, just what you're gonna spend on a monthly basis. Number next to it, the category, what you think it's gonna fucking cost. And talk, talk, don't dominate, bring them in.

• 14:21Speaker 04

  Okay.

• 14:22Caleb Hammer?

  Bring them in.

• 14:24Speaker 05

  So you got diapers, you got I don't know, I mean, planning on breastfeeding, so don't really have to worry about formula.

• 14:30Speaker 04

  We don't have to worry about formula, but there's like breast bags and um like containers and stuff for like the breast milk in the fridge, so

• 14:38Speaker 05

  Get to ride.

• 14:39Speaker 04

  Okay. I would say feeding

• 14:44Speaker 04

  probably like a hundred dollars a month. If the breastfeeding works out though.

• 14:47Speaker 05

  Yeah.

• 14:48Speaker 04

  Cause like it couldn't work out and then we have to pay for formula, which that would be a way higher number. Um and then like clothing and diapers.

• 14:57Speaker 05

  Diapers, yeah, diapers, wipeys.

• 15:01Speaker 04

  Uh, probably like

• 15:05Speaker 04

  I would say

• 15:07Speaker 05

  I mean, how much is a box of diapers? I don't, I don't know.

• 15:09Caleb Hammer?

  Maybe you should know about to be dad.

• 15:11Speaker 05

  Yeah, I know.

• 15:12Speaker 04

  It's like, it depends on the size, but I would say about fifty bucks for a box of diapers, so uh, fifty bucks, I'll say. And then This is gonna sound bad. I don't think that there's much more than this.

• 15:25Caleb Hammer?

  You guys are not even close to.

• 15:27Speaker 04

  No, because.

• 15:28Caleb Hammer?

  Oh my, you guys are so dumb.

• 15:29Speaker 04

  We don't pay for any, we're not, we haven't had to pay for anything for him.

• 15:33Caleb Hammer?

  Who, who, him? The kid him?

• 15:35Speaker 04

  Our son.

• 15:36Caleb Hammer?

  Yeah, but you're about to, you haven't fucking looked things up?

• 15:40Speaker 04

  No, we have.

• 15:40Caleb Hammer?

  Join a parent organization?

• 15:42Speaker 04

  We have, but what I'm saying is, is like, these things are gonna, are already covered.

• 15:51Speaker 05

  Elaborate?

• 15:51Speaker 04

  Okay, like, he has like six sets of grandparents, so like, we've literally not purchased barely anything for him on our own.

• 16:02Caleb Hammer?

  It's, no, I mean, you're talking about the fresh stuff coming, I'm just talking about a monthly living.

• 16:07Speaker 05

  Monthly, yeah.

• 16:07Speaker 04

  Oh, okay.

• 16:10Speaker 05

  I mean, honestly, I, I really don't fully know what else.

• 16:13Speaker 04

  Clothing, I guess. He's gonna grow out of clothes quicker, cause he's little, he's gonna be little.

• 16:18Speaker 05

  Formula if necessary.

• 16:19Caleb Hammer?

  Okay, so we're thinking, okay, let's start writing it down.

• 16:23Speaker 04

  Clothing, I would say probably like,

• 16:27Speaker 04

  I would say like another fifty dollars a month maybe, because he's little, so it's not gonna be like.

• 16:31Speaker 05

  They're not super expensive.

• 16:32Speaker 04

  Yeah, and then, feeding, diapers, clothing.

• 16:39Caleb Hammer?

  That's all I could come up with, babe, honestly.

• 16:43Speaker 04

  Oh, doctor's visits.

• 16:44Caleb Hammer?

  Yeah, doctor's visits, duh.

• 16:45Speaker 04

  Actually crazy, yeah, doctor's visits, doctor's appointments.

• 16:48Caleb Hammer?

  Okay.

• 16:48Speaker 04

  Prob, I would say like a hundred dollars a month.

• 16:51Speaker 05

  At the least. Probably, it's probably way more than that, actually. It's a freaking doctor.

• 16:57Speaker 04

  Okay, so.

• 16:57Speaker 05

  It's expensive.

• 16:59Caleb Hammer?

  You guys not know what it costs?

• 17:01Speaker 05

  Well, I know that every time she goes for like her checkups right now, it's like sixty bucks a pop every time she goes. Unfortunately, she has to go like every two weeks or three weeks, so it's like, it's.

• 17:11Caleb Hammer?

  Are you guys prepared for the cost of the birth?

• 17:14Speaker 05

  No.

• 17:15Speaker 04

  No, no.

• 17:17Speaker 04

  Well, I don't know if we're what we're even gonna have to pay because I had to have a surgery for this pregnancy. That was pretty expensive.

• 17:25Caleb Hammer?

  Already?

• 17:25Speaker 04

  Yes.

• 17:27Caleb Hammer?

  How much?

• 17:28Speaker 04

  Four thousand dollars.

• 17:30Caleb Hammer?

  Okay, I mean, it's kind of a walk in the park compared to a lot of medical costs.

• 17:33Speaker 05

  Yeah.

• 17:34Caleb Hammer?

  When it comes to this kind of.

• 17:36Speaker 04

  And but I'm saying like, I'm pretty sure I've already met my deductible for the year.

• 17:41Caleb Hammer?

  Well, is it, is there a better split or like a better split after deductible or are you fully out?

• 17:48Speaker 04

  Well, like it's, there's no out of pocket cost after I made my.

• 17:51Caleb Hammer?

  Not a single cent for you. Okay.

• 17:53Speaker 04

  Yeah.

• 17:53Caleb Hammer?

  With your insurance. Okay. Yeah, usually with a C-section after insurance typically looking at three thousand two hundred fourteen. Or just OG classic flaps going in the wind. Baby flies out, two thousand six hundred fifty five.

• 18:10Caleb Hammer?

  After insurance.

• 18:11Speaker 05

  Typically.

• 18:11Caleb Hammer?

  After insurance. Typically. So what do we got? Is that your total, what it costs to raise your kid on a monthly basis?

• 18:16Speaker 04

  On a monthly basis, yes.

• 18:17Caleb Hammer?

  How much? What are we talking? What are we talking?

• 18:18Speaker 05

  It's looking like three hundred bucks.

• 18:20Speaker 04

  Three hundred and fifty dollars.

• 18:22Caleb Hammer?

  By the way, how much you guys spend on, uh, just like, just, you know? Around.

• 18:28Speaker 05

  Well.

• 18:28Speaker 04

  On a monthly basis?

• 18:29Caleb Hammer?

  Going out to eat, just randomly, things don't matter, just full bowl. BS, BS spending.

• 18:35Speaker 05

  Ah, too, too much. I could tell you that right now.

• 18:37Caleb Hammer?

  That's not a number.

• 18:38Speaker 04

  Um, monthly, I would probably say at least a thousand dollars, probably.

• 18:45Caleb Hammer?

  Okay, thousand dollars.

• 18:50Caleb Hammer?

  Yeah, by the way, USDA says twenty two thousand five hundred thirty five is the average yearly cost for a newborn kid. That breaks out to a thousand eight hundred seventy seven on a monthly basis. So good luck with that. But also, by the way, spent a thousand six hundred fifty two dollars on bull this last month.

• 19:06Caleb Hammer?

  You're only getting worse into debt. We know how much comes in. What was your total spending? What's your total spending? We know how much comes in. Six thousand two hundred. What was your total spending? Kid on the way, preparing, doing better. He's incorporated now into the financial talks, right? What did we spend? My big guy, you're so informed. You're in the conversations now, right?

• 19:28Speaker 05

  Yeah, well, if I'm not mistaken on for that month, it was at least, I want to say fifteen hundred.

• 19:38Speaker 04

  No, like for the whole

• 19:40Caleb Hammer?

  Oh, like for the whole Okay. DJ Khaled is no idea what he's talking about. What the fuck are we doing?

• 19:46Speaker 05

  For all of our expenses, I think, I think it was

• 19:48Caleb Hammer?

  Including debt.

• 19:50Speaker 05

  I think it was close to like ea- easily like seven grand.

• 19:52Caleb Hammer?

  Okay.

• 19:53Speaker 04

  Probably seven, seven thousand.

• 19:55Caleb Hammer?

  Yeah, eight thousand. So like six thousand two hundred comes in, we have a baby coming on the way. We don't know if there's any more expenses coming with the hospital. Good luck with forty nine a monthly basis. Let's spend a thousand, this is eight hundred dollars more than we make. Sounds like irresponsible if you're

• 20:10Speaker 05

  Yeah.

• 20:10Caleb Hammer?

  Your parents.

• 20:10Speaker 05

  Yeah, sure does.

• 20:12Speaker 04

  It does.

• 20:13Caleb Hammer?

  But so what the fuck are we doing, guys? You're the one that dominates it. So you should know this. You should know the number. You're participating in the conversation. You should know. You should know the number. What are we doing?

• 20:22Speaker 05

  Obviously not doing good enough, that's for sure.

• 20:24Caleb Hammer?

  Okay, that's bull. Come on. What are you doing? You're going in there. You're not putting in the actions, even though you say you guys participate in the financial conversation. Where's the participate in the financial conversation?

• 20:36Speaker 05

  Okay.

• 20:37Caleb Hammer?

  What happened? Blows your mind, right?

• 20:41Speaker 00

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• 21:07Caleb Hammer?

  She's shocked. Shocked to tears.

• 21:14Caleb Hammer?

  What? What's going on? What's going through your head?

• 21:18Speaker 04

  It was just like a lot more

• 21:22Speaker 04

  money than I thought.

• 21:24Caleb Hammer?

  Thought, but you're the one going through it. That's what he said. That's what you said.

• 21:36Caleb Hammer?

  How could you be so wrong?

• 21:41Speaker 04

  When I write out our bills every month, like, I don't even know how we could even spend that much money if we don't have it.

• 21:50Speaker 05

  Debt. Credit cards.

• 21:54Caleb Hammer?

  And how don't you know, because I participate in this now, I'm in the conversations. Well, that's what I had.

• 22:00Speaker 05

  So I know that, you know, she has multiple credit cards and I those, I can't see anything that happens on those. So with that stuff, I don't know what she spends on that.

• 22:11Caleb Hammer?

  Wait.

• 22:14Caleb Hammer?

  What the? Wait, how? No, no, no. We can, we're not having a household financial conversation. If there's like documents that you can't see. What?

• 22:21Speaker 04

  I don't see his credit card statements either.

• 22:24Caleb Hammer?

  What? So we're not having a household, what the fuck are we doing? So we're not having a household financial conversation? We don't know what's actually happening. That is so different. So you only look at the joint account. That means nothing. That tells you a third of the picture. How can we possibly know what's actually happening if we don't know what, what the fuck is actually happening? This doesn't make any sense if we can't see two thirds. If we can't see two thirds, how the fuck are we guessing what the full pie is?

• 22:49Speaker 04

  He doesn't spend on his credit cards, though.

• 22:52Caleb Hammer?

  So it's just you?

• 22:54Speaker 04

  Yeah.

• 22:54Caleb Hammer?

  Then no wonder we don't know how much is being spent. Right?

• 23:02Speaker 04

  Yeah, I mean, I don't know. We, there's a lot of credit cards on there, though, that we don't use, like, we use them.

• 23:10Caleb Hammer?

  Doesn't matter as long as you still use some.

• 23:14Caleb Hammer?

  It, it's not a game where one credit card not used plus one credit card used equals no credit cards used.

• 23:19Speaker 04

  Right.

• 23:20Caleb Hammer?

  That's not how this works. Listen, I don't know how we're going to survive when just the bullshitting alone is like what the average cost for raising a kid on a yearly basis for a newborn is. And yet we're still, even with that, spending a thousand eight hundred dollars more than we bring in? How are we ever going to make progress? How are you ever going to be able to retire without putting your kid's life on hold? Are you ever going to be able to pay for their college, trade school, whatever you want to do, sports activities, good luck, vacation, take the kids to Disney? Nah, uh, not going to happen. Are you going to take them to McDonald's at this rate? Your credit cards will become maxed out, then there's nothing.

• 23:55Caleb Hammer?

  You guys are cool. This kid's coming regardless.

• 23:58Speaker 05

  Yeah, he's definitely coming.

• 23:59Caleb Hammer?

  He's coming. He came then to come. That's how this works. And now there's nothing we can do. And we are beyond ill-prepared. And not only that, but we talk, we talk, he's incorporated into it. And yet we're still in the situation that we don't even know about, and it's only getting worse. Look, private student loans can make it feel like you're one missed payment away from selling your grandma's heirlooms. I miss your grandma. Yrefi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit score number. They just want to see if you're actually planning on paying. By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge you so much, it's where they were putting your firstborn on layaway.

• 24:43Caleb Hammer?

  So if you're tired of monthly payments so high that you can't afford a single sweet treat, Yrefi's got you. They'll arrange your repayment plan, ease the monthly hit, and even let your poor cosigner off the hook. Mom and dad, eh, they can finally breathe. Oh, and if you think you'll just get stuck on a call center waitlist, guess what? 4.6 stars on Google says Yrefi actually picks up and treats you like a real human, which is a shocker, right? In finance, that's something as rare as me not slamming a desk every episode. What? So if you're done fantasizing about robbing a bank, don't do that.

• 25:18Caleb Hammer?

  By the way, but just check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Go to Y R E F Y dot com slash hammer. That's Yrefi dot com slash hammer. Or call 888-Y-REFI-78. That's 888-Y-REFI-78. And see how a real, personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt till you're 90 is not the retirement plan you dreamed of.

• 25:45Speaker 05

  Well, so what I've done though, to kind of help and what I'm trying to do now is I've started working. So my, my dad and my uncle both own their own mechanic shops. And so I go and I do help them to try to make some extra money.

• 26:00Caleb Hammer?

  In an income situation, you guys make well more than the area you're in. It's not about that. You could go make 7,000 hours a month and yet you still spent 1,000 hours more than that. It, this is all spending. This is behavior. This is, your, you spending was so stupid.

• 26:17Caleb Hammer?

  Listen, you guys, before you leave this studio, you're downloading my budgeting app. Download it, link in the description else for everyone, but download it. I'll give you the cookbook so that you guys can cook. Again, the annual people out there get that. So it's like we're giving you all the resources, but you get them for free. You're gonna take that. You're gonna go through our budgeting course, our investing course, all this stuff. You need the budgeting and debt courses first. You guys go through all those hours and hours of the best content there is, best education, take the quizzes, do everything, okay? You have to. You need to be on this. People have tens of thousands of people have done that. Tens of thousands of people, a thousand people a day take the app, okay? Thousand people a day download it. You guys can change your life like

• 27:02Caleb Hammer?

  they are. You guys have that choice. Right now, you're not. Right now, what you're coming in with is borderline disgusting. Yeah, to be clear, with a kid on the way, disgusting.

• 27:14Caleb Hammer?

  Join them, change your life, but it's only your choice. I can't do anything. I can give you the resources. I can't hold your hand. In fact, studies show that when people pay for it, like when people sign up for the budgeting app, sign up for premium, all this stuff, they're more likely to use it and change their life than people who get it for free because they put the investment into it. So they want to get more out of it. You guys have that choice. All right. I'm gonna go three, two, one, go cuz I gotta start getting into these cuz we're gonna be here for a thousand years. On go. So three, two, one, go. You're gonna give me your household financial score together, where you think you guys are, zero to 10, zero being the worst, 10 being the best, okay? Same time, three, two, one, one. Okay, so we know we're

• 28:00Caleb Hammer?

  That's good. At least we're on the same page as that. So guys, want your hammer financial score? It's free. Take the assessment, see where you stand. Go to Calebhammer.com or click the link in the description below. It's pretty fun. It's pretty quick and you'll see exactly where you stand in the world of money. Credit one. Want to know where you stand in the world of credit or money? If you have credit one, you're that's essentially what that equals. So what's going on with this card?

• 28:27Speaker 04

  That's my card.

• 28:28Caleb Hammer?

  Okay, so it's the card that is probably spending then if it's not yours from what I hear about it so far.

• 28:37Speaker 04

  It's mine.

• 28:38Caleb Hammer?

  Why do you spend on a credit card that is basically the worst credit card of all time?

• 28:42Speaker 04

  I have them all. So he took my credit cards away from me and put them up. And.

• 28:50Caleb Hammer?

  Do you not realize just how insane that is? That he had to do that?

• 28:56Caleb Hammer?

  Do you not realize how insane that is that he had to take your credit cards away and hide them?

• 29:01Speaker 04

  Right. But.

• 29:03Caleb Hammer?

  An Easter for credit cards?

• 29:05Speaker 04

  He, if not like, we decided that we were gonna pay them all off, so we just put every credit card that we had away.

• 29:12Caleb Hammer?

  So that's why this one's maxed out and you're doordashing Taco Casa?

• 29:16Speaker 04

  Yeah. But it didn't last for very long that he had them all.

• 29:20Caleb Hammer?

  Oh, for sake, why? Tell me. Oh, no. What possibly?

• 29:25Speaker 04

  We paid them all down, majority of them.

• 29:27Caleb Hammer?

  When?

• 29:28Speaker 04

  Before Christmas.

• 29:29Caleb Hammer?

  Ah?

• 29:30Speaker 04

  And then I got them all back for Christmas.

• 29:33Caleb Hammer?

  Why? Why would you do that? Why would you allow that?

• 29:36Speaker 04

  There wasn't really a conversation.

• 29:37Caleb Hammer?

  You gave a fuck at it.

• 29:40Speaker 04

  There wasn't really a conversation about it. He, I just like slowly.

• 29:44Caleb Hammer?

  Oh!

• 29:45Speaker 04

  I knew where they were.

• 29:46Caleb Hammer?

  Why didn't we like chop them up or destroy them? Why did we still keep them? What was the intent of keeping them? They're not collectibles.

• 29:52Speaker 05

  I couldn't tell you.

• 29:53Caleb Hammer?

  Well, try to tell me something. I would like an answer.

• 29:55Speaker 05

  I, I should have cut them up, honestly.

• 29:57Caleb Hammer?

  Why didn't we?

• 29:58Speaker 05

  And I, I couldn't.

• 29:59Caleb Hammer?

  Oh, come on. There was a reason we didn't. Deep inside.

• 30:01Speaker 04

  I feel like I, at some point, they might be needed.

• 30:06Caleb Hammer?

  Why?

• 30:06Speaker 04

  Again.

• 30:07Caleb Hammer?

  Why?

• 30:07Speaker 04

  Because we, we're not there yet, but we have two other credit cards that are his credit cards that are completely maxed out that are like huge limits. And smaller ones, I feel like would be there for an emergency. I just haven't been using them for emergencies. I use them out of convenience.

• 30:23Caleb Hammer?

  You guys make way too much money for this to be an issue in your area. For sake, what are we doing? Okay, so you unlocked it. Christmas unlocks credit cards, so we're getting DoorDash Casa Fudo? Or whatever?

• 30:37Speaker 04

  Yes.

• 30:39Caleb Hammer?

  So what the fuck are we doing? This isn't Christmas!

• 30:42Speaker 04

  No, it's not Christmas, but I was hungry.

• 30:44Caleb Hammer?

  You having a daily Christmas on DoorDash?

• 30:46Speaker 04

  I was hungry, I wasn't home, and that was the first card I pulled out of my fanny pack.

• 30:51Caleb Hammer?

  Where were you?

• 30:52Speaker 04

  I was at my friend's house, I believe.

• 30:54Caleb Hammer?

  Why didn't you get a snack from your friend's fucking pantry?

• 30:58Speaker 04

  Because she like eats weird. I don't eat what she wants to eat.

• 31:01Caleb Hammer?

  What the fuck are you talking about? What does she have? Roaches? Like, what are you talking about?

• 31:04Speaker 04

  No, she's just like... She's like a salmon and like...

• 31:09Caleb Hammer?

  You can use some salmon!

• 31:11Speaker 04

  No, I can't have it actually because I'm pregnant and it's got a lot of mercury in it, so I can't have it.

• 31:15Caleb Hammer?

  Well, don't have salmon then.

• 31:16Speaker 04

  Yeah.

• 31:16Caleb Hammer?

  I think she had more than salmon, probably.

• 31:19Speaker 04

  And I probably just really wanted it, and I got it.

• 31:22Caleb Hammer?

  There it is! There it is, the real answer, by the way. We wanted Casa Fudo, Fudo Casa me.

• 31:28Speaker 04

  Yes.

• 31:29Caleb Hammer?

  Mi Casa food.

• 31:29Speaker 04

  It's very good. And I really love it. And it's not in my town, so when I go out to that town, I always get Taco Casa.

• 31:37Caleb Hammer?

  Make yourself a white girl taco. You'll be fine. It's simple, easy, little taco seasoning, cheap meal. That's what I had growing up because we didn't have money. White people tacos, it's pleasant.

• 31:48Speaker 04

  Yeah, I did too. I've had it before.

• 31:49Caleb Hammer?

  Good! Then do that instead of Casa me Fudo! Whatever the... What is it? Taco Casa.

• 31:56Speaker 04

  You've never had it?

• 31:57Caleb Hammer?

  The fuck is a Taco Casa? You need to have white Taco Casa!

• 32:02Speaker 05

  It's... That's literally basically, it's just white tacos, that's all it is.

• 32:05Caleb Hammer?

  So what the fuck are you even getting?

• 32:07Speaker 04

  I get a Chil- Chilada.

• 32:08Speaker 05

  It's the convenience for her. It's the convenience.

• 32:11Caleb Hammer?

  You're waiting for DoorDash anyway? You spent thirty bucks on that and then you have Amazon Music?

• 32:15Speaker 04

  Yeah, that's because we have an Alexa. And...

• 32:18Caleb Hammer?

  It works with all the other streaming services either way.

• 32:23Speaker 04

  I didn't know that. I felt like, I thought I had to have Amazon Music for it to work with the Alexa that we had. Because that's what it would play on.

• 32:36Caleb Hammer?

  So tell me, we spent it down, right? We paid it down. Right, guys?

• 32:42Speaker 04

  Yeah.

• 32:43Caleb Hammer?

  We paid it down. So why the is it all the way up? It was all Taco Casa?

• 32:49Speaker 04

  I'm sure a lot of it is Taco Casa, but I do know that I spent a lot of money on the credit cards because we literally had no money.

• 32:56Caleb Hammer?

  They said you spent five hundred dollars on clothes and also the car breaking down and then also massages.

• 33:02Speaker 04

  Massages?

• 33:03Caleb Hammer?

  Yeah.

• 33:05Speaker 04

  This is just from February?

• 33:09Caleb Hammer?

  When you're in Colorado, I got.

• 33:11Speaker 04

  Yeah, yeah, yeah. Okay, yeah, we took a trip to Colorado and but I affirmed the five hundred dollars for clothes. That's not on that credit card. But I did use that credit card while we were on vacation. But that was in twenty twenty three, so that was already paid off. We paid that down and then I built it back up.

• 33:30Caleb Hammer?

  For what? Because it's at the it's at a fucking balance of a thousand one hundred fourteen, I don't know. Thirty five dollars from being maxed out, by the way. Thirty five dollars from being maxed out. He shakes his head, no. I mean, what? Do you have no say?

• 33:42Speaker 05

  I was I'm shaking my head out of like.

• 33:44Caleb Hammer?

  Can are you not able to have a conversation with your wife and be like, maybe we can't do this? And if you do, is she the right wife? Well, she better be. There's a kid coming on the way. So what the like, what are we doing?

• 33:52Speaker 05

  No, I was just shaking my head because I was just like, like in disgust that it's so high.

• 33:56Caleb Hammer?

  Yeah.

• 33:57Speaker 04

  He does not see my credit card balances.

• 34:00Caleb Hammer?

  Why?

• 34:01Speaker 04

  He's not on them.

• 34:02Caleb Hammer?

  Yeah, but why don't you guys go over statements or again, have a joint account on like the budgeting app?

• 34:07Speaker 04

  We we have a joint banking account and a joint savings account, but we just don't like he has his separate credit cards. I have my separate credit cards and.

• 34:15Caleb Hammer?

  Why don't we come together, though, guys? I'm trying to figure that out on a monthly basis. Why don't we come together and talk about what our accounts are doing? Why don't we see what the house is spending on? Spending, you know where the money is fucking going?

• 34:26Speaker 04

  I just don't. I truly just don't think I have the discipline. Like, I just wasn't doing. I would literally sit down and I would be like, we have this much money and credit card debt because we like we keep spending on credit cards and then.

• 34:40Caleb Hammer?

  You.

• 34:40Speaker 04

  Me and then.

• 34:44Speaker 04

  Okay, he's like a willing participant. Can I just say that?

• 34:47Caleb Hammer?

  Well, then tell me, cuz I need to know.

• 34:49Speaker 04

  I'm not like holding him hostage with like a gun to his head.

• 34:51Caleb Hammer?

  Then tell me how this participant is willing.

• 34:53Speaker 04

  Because I can, I, like, on this card, for example, in July, we went to, um, there's like a lake that, by where we live, and we got-

• 35:04Caleb Hammer?

  Should be cheap then.

• 35:05Speaker 04

  It was like three hundred dollars for a three-night stay.

• 35:08Caleb Hammer?

  You, why do you commute there on a daily basis if it's near where you live? What the fuck are you doing to this?

• 35:13Speaker 05

  We ended up getting a, a cabin there for-

• 35:16Speaker 04

  Like, the whole family was staying out there, so we all stayed out there. He knew that I was spending money on it, so like, he, he, it's not like I spend money and hide it and then don't tell him. Like, he knows that it happens, so-

• 35:29Speaker 05

  And also, like, I'm pretty sure there's another credit one that she has that she didn't send. I'm pretty sure she didn't send it.

• 35:35Caleb Hammer?

  What?

• 35:36Speaker 04

  Yeah, there's-

• 35:36Caleb Hammer?

  I already have a thousand trillion to go through.

• 35:39Speaker 04

  Yeah, there's a, there's two credit one cards.

• 35:41Caleb Hammer?

  Cr- it's another credit fucking one?

• 35:43Speaker 04

  Yes.

• 35:43Caleb Hammer?

  Oh, is it on your phone?

• 35:45Speaker 04

  Yes.

• 35:46Caleb Hammer?

  Oh, can I see it? I know you like free things, and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a thirty-day trial of Simpler Budget Premium to new users when you buy my four-class bundle. And this trial is normally only fourteen days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that thirty-day Simpler Budget trial. And act now, because we're winding down our intro pricing at midnight on April twenty-third, so this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances,

• 36:29Caleb Hammer?

  you're not alone, and now is the best time to get started. Grab your free limited edition Tumblr, sit back, and finally take control of your financial future, or don't, and you can end up right here.

• 36:44Caleb Hammer?

  Oh, for fuck's sake, okay, fifty-six dollar minimum monthly payment on this one. What have you been doing with an annual fee of thirty- $39 that just keeps happening then you're gonna get your monthly fees and bullshit. Interest accruing yeah seventy five dollars this year so far. Uh basically thirty percent interest. If I just had no morals, man. Should have just been a credit card company. I should have just made the worst predatory credit cards and send them to people's houses because oh baby it works.

• 37:11Caleb Hammer?

  It works. People don't give a shit like oh I nutted in you. You're about to create an expensive. Living thing that I need to take care of. I better go max out on my fucking worst credit cards ever created in the history of the world.

• 37:23Speaker 04

  Yeah.

• 37:25Caleb Hammer?

  Did we even plan? Was this a plan?

• 37:31Speaker 05

  The baby?

• 37:31Caleb Hammer?

  Yeah.

• 37:32Speaker 05

  We did try for him, yes.

• 37:36Caleb Hammer?

  No preparation at all?

• 37:38Speaker 05

  Honestly, not really, no.

• 37:40Caleb Hammer?

  What about the kids? I grew up in a house. Where it was a struggle after struggle after struggle financially for the longest time. It wasn't bad in terms of like a bad place to live or anything like that. My parents went into debt to go us like to show the. To put on a show of a good lifestyle, but man, I saw them stress and it is not the place you want to put them there. It was not the place you want to put the kid.

• 38:07Speaker 05

  But yeah, that's exactly why um I. I honestly, I didn't know that she was gonna sign up or to try to come here and I'm honestly glad that she did.

• 38:16Caleb Hammer?

  Really?

• 38:17Speaker 05

  I didn't. Yeah, I didn't know. She told me like.

• 38:18Caleb Hammer?

  Did you know about the show?

• 38:19Speaker 05

  No, yeah, I didn't know about it. She started watching it and then um. She, I can't remember if she signed up and then told me or if she told me that she was gonna sign up for it and then did it. But I'm really glad because I do, we really want the help because we want to be able to give our kid.

• 38:34Caleb Hammer?

  And I can build a budget and give, you know, budgeting advice and connect you with the resources, but man, you again, you guys said you've been fixing things, but look what you're coming into. Again, it's a thousand eight hundred dollars over. Okay, so seven hundred and sixty nine dollars and ninety three cents on this. Why didn't we have a statement for this with the thirty nine dollar minimum payment?

• 38:54Speaker 04

  I think I saved it. I just didn't. Like I left it out when I sent it on accident.

• 38:59Caleb Hammer?

  Okay, so most recent statement. Let me see this.

• 39:04Caleb Hammer?

  Luckily no purchases, but again, it's not that far from the limit and there's endless fees and interest accruing. And it's brutal, man. Just the same amount of interest and fees this year so far, essentially as the other one. So you're just doubling up. How long does just, how long does this one of $769 take to pay off? Just minimum monthly payments only, which is all you're doing, by the way?

• 39:24Speaker 04

  I think it's four years.

• 39:26Caleb Hammer?

  Three, but still for just 700 bucks. And it's not like it's an insignificant amount of money.

• 39:33Caleb Hammer?

  But it's ridiculous. It's ridiculous how long that, how long that takes. Why'd you even open this? How, like, what's the history of that card?

• 39:42Speaker 04

  I

• 39:43Caleb Hammer?

  Credit one.

• 39:44Speaker 04

  Them when like

• 39:47Speaker 04

  I, the thing I struggle with most, I think is like missing out on something or like people thinking that I don't have money and then I've

• 39:55Caleb Hammer?

  Well, you probably

• 39:56Speaker 04

  Right.

• 39:56Caleb Hammer?

  Don't based on your guys's life.

• 39:59Speaker 04

  We went on a Gulf shores. We went to Gulf shores last July.

• 40:03Caleb Hammer?

  What, like Alabama?

• 40:04Speaker 04

  Yes.

• 40:07Caleb Hammer?

  By choice on purpose?

• 40:09Speaker 04

  Yeah, we went there. Have you ever been there?

• 40:11Speaker 05

  Fourth of July weekend.

• 40:14Caleb Hammer?

  Okay. So we opened credit one to do that?

• 40:19Speaker 04

  Well, it was already open then, but I wasn't use, I didn't really use it until we went on that trip. And then I just

• 40:25Caleb Hammer?

  Did you put the whole trip on the card?

• 40:27Speaker 04

  Well, my parents paid for our stay.

• 40:30Caleb Hammer?

  Then what the fuck are we talking? So what happened?

• 40:32Speaker 04

  But like we rented a boat and then

• 40:34Caleb Hammer?

  And that went on the card?

• 40:35Speaker 04

  Yeah.

• 40:36Caleb Hammer?

  Oh, for sake. So parents paid for the stay. Yeah, we decided to just

• 40:44Caleb Hammer?

  What are we trying to do? What are we trying to do?

• 40:48Speaker 04

  I just want us to be able to

• 40:56Speaker 04

  Be like in a good place for our son.

• 41:00Caleb Hammer?

  Yeah, but are we willing to cut back because every

• 41:04Caleb Hammer?

  every demonstratable fact of your spending would say no. You say the words, yes, I

• 41:11Speaker 00

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• 41:40Caleb Hammer?

  Appreciate that, but everything says no.

• 41:43Speaker 05

  I want to. I definitely am.

• 41:45Caleb Hammer?

  So what are you gonna do if your wife doesn't?

• 41:48Speaker 05

  Well, for starters, I'm definitely gonna take those cards and then we definitely need to.

• 41:52Caleb Hammer?

  Look what happened last time.

• 41:53Speaker 05

  We need to cut them up.

• 41:54Caleb Hammer?

  Listen, okay, you taking them. That doesn't change your behaviors. My issue, she'll just displace it somewhere else. Checking account, open up a new credit card and start taking out hidden little loans like

• 42:06Caleb Hammer?

  like this is what happens. She'll start paying for everything or something like, I don't know. Taking the credit card. Yes, you shouldn't have credit cards. You're not a credit card person. I'll let you use the fizz card because it only lets you spend what's in your checking account. So it works like a debit card. I'll allow that one, but other than that. Yes, you shouldn't have a credit card, but that doesn't fix the behavior.

• 42:26Speaker 05

  Well, I'm hoping that after after today that she'll she'll have a different outlook on it and she

• 42:32Speaker 04

  Yeah, because I'm usually not this big of a tit, so.

• 42:36Caleb Hammer?

  Tit?

• 42:37Speaker 04

  Like, I usually don't cry like this all the time. I don't know if it's because of

• 42:40Caleb Hammer?

  Well, I don't know, but so far, so far you're the problem now.

• 42:43Speaker 04

  I know.

• 42:46Speaker 04

  But I can't change it now, like I've done it.

• 42:51Caleb Hammer?

  Yes, you can.

• 42:52Speaker 04

  But I'm saying I can't change what I've already done.

• 42:54Caleb Hammer?

  Yes, but this is what you did like walking into the studio. Like this is the most recent stuff. I'm not gonna go freak. The Gulf shore thing, fine. It's good to know some context. And I'm not gonna dig into you and go crazy about that because it was a little bit ago, right? But literally what you just did probably on the way. She told me she's getting McDonald's on the way home. We already talked about this. Like fellow fat bonded. Luckily she's pregnant. I can't use that excuse. Like, oh, I want McDouble. But either way.

• 43:24Speaker 04

  So good.

• 43:25Caleb Hammer?

  But either way, I can afford it.

• 43:27Speaker 04

  Right.

• 43:28Caleb Hammer?

  Caloric wise, probably not, but I can afford it monetarily. And you're just gonna go get the soup? No, you're not changing.

• 43:37Speaker 05

  Sounds like we're not getting McDonald's on the way home.

• 43:39Caleb Hammer?

  Yeah, says you. All right, Bank of America next. What's up with this?

• 43:43Speaker 05

  Uh, those are mine. Um. The Bank of America card, we, so it was in 2023, we took out personal loans to pay down our credit card.

• 43:57Caleb Hammer?

  Oh, so we've done, oh, so we've done this multiple times.

• 44:00Speaker 05

  Yeah.

• 44:01Caleb Hammer?

  Oh, yeah, but you also paid off your cards right before Christmas and then built them all the way back up. I'm counting that as twice.

• 44:08Speaker 04

  Yeah.

• 44:08Caleb Hammer?

  So what the guys?

• 44:10Speaker 05

  And so we had them paid down. Then we started planning the wedding and ended up using that, using those cards for the wedding. Like stuff that we needed for the wedding. And that's how they got racked back up.

• 44:25Caleb Hammer?

  Buddy, it's less than $30 away from being maxed out to $5,000. Thousand, five. How long does this take to pay off? Can someone tell me?

• 44:38Speaker 05

  No clue.

• 44:39Caleb Hammer?

  Well, I'll tell you, your kid will be in college.

• 44:42Speaker 04

  So what like twenty

• 44:44Caleb Hammer?

  Twenty fucking years you're capable be in college. Until you've paid off a card for the wedding. Come on, and no way it's only for the wedding that happened last summer or whatever.

• 44:56Speaker 04

  No.

• 44:56Caleb Hammer?

  Because no way it would be if you're making minimum to payment on time and everything would it be less than thirty dollars from the max. Mathematically, we would not be there. So what the is going on with this card, guys?

• 45:08Speaker 04

  It was eighteen hundred dollars and then the alterations on top of it when I ordered the dress were two hundred. So that was two thousand dollars.

• 45:17Caleb Hammer?

  Yeah, but that was by the wedding. If you were not spending on this and you're making minimum to payment since the wedding, this would be a little further down than it is now. You would not basically be at the fucking max.

• 45:29Speaker 04

  And also, I think we might have used that card too because we.

• 45:32Caleb Hammer?

  You, what do you mean use? Use the card on what?

• 45:35Speaker 04

  We purchased on the card because I think something in our house broke. I don't remember what it was. And it was like we used it at Home Depot.

• 45:43Speaker 05

  Oh, no, no, no. One of, on one of those cards, we did use to um kind of redo the office area. Cause it was like the floor was really bad.

• 45:52Caleb Hammer?

  Max, I credit cards and you're redoing a fucking office? I don't care about the office.

• 45:57Speaker 05

  That was my idea.

• 45:58Speaker 04

  Let's keep that in mind. That was his idea. He was the one who wanted to do that.

• 46:02Caleb Hammer?

  Competition for being a fuck up, but okay. I got you. How much?

• 46:07Speaker 05

  I think that one was, I think at that purchase was like five hundred.

• 46:12Caleb Hammer?

  What did you do to it?

• 46:14Speaker 05

  Oh, we did. I put carpet down. Uh, we repainted.

• 46:18Caleb Hammer?

  So you did all the labor?

• 46:20Speaker 05

  Yes.

• 46:21Caleb Hammer?

  Good.

• 46:21Speaker 04

  You did all the labor?

• 46:23Speaker 05

  Well, me and my dad and her helped. Yeah, her dad. No, my dad just helped. Um.

• 46:27Caleb Hammer?

  But I mean, that's what, that's what.

• 46:29Speaker 05

  Yeah, she helped and then her brother helped as well.

• 46:33Caleb Hammer?

  How much is your wedding dress? I don't even know what it costs. What should you spend on that?

• 46:37Speaker 04

  I spent eighteen hundred dollars on it.

• 46:39Caleb Hammer?

  Okay.

• 46:41Speaker 05

  Plus the two hundred and alteration.

• 46:43Speaker 04

  I think it was.

• 46:44Caleb Hammer?

  What was the alteration?

• 46:45Speaker 04

  Cause I'm so short. So.

• 46:47Caleb Hammer?

  Stop.

• 46:48Speaker 04

  Yeah, I fucking wish I was taller. Um, but I'm so short, so I had to pay when I ordered the dress for them to cut the dress to length for my height.

• 46:58Caleb Hammer?

  How tall are you?

• 46:59Speaker 04

  Four eleven.

• 47:00Caleb Hammer?

  Okay, same with our head video editor, Mika. We'll put a picture of him on screen. He's micro dick height.

• 47:11Speaker 05

  $146 a month on this card.

• 47:16Speaker 05

  Brutal. I mean, you opened it in 2019, it looks like. This is insane. It's not gonna be paid off for 20 years. Only making the minimum payments, $97.30 of interest accrued. One month.

• 47:29Speaker 05

  Guys, I've had a fucking late fee this year so far.

• 47:31Caleb Hammer?

  Yes. What?

• 47:34Speaker 05

  Um, what? So, with that late fee, it is truly my fault. Um, so for some, I can't figure out like a way, like I can't have it figured out how to like get it to like automatically come out.

• 47:46Caleb Hammer?

  Call them.

• 47:48Speaker 05

  Okay, well, I didn't.

• 47:49Caleb Hammer?

  What? Can you not figure out that solution?

• 47:52Speaker 05

  I should have. I, yeah.

• 47:53Caleb Hammer?

  What the fuck? How are you operating in society? If you don't know how to make a phone call to a bank?

• 48:02Speaker 05

  Okay, well, the story is, the fact is-

• 48:04Caleb Hammer?

  This is the, you want half the DNA of the kid to be someone who doesn't know how to make a phone call?

• 48:09Speaker 04

  Yeah, it's already done.

• 48:14Caleb Hammer?

  Oh, okay.

• 48:15Speaker 05

  So, what had happened was-

• 48:18Caleb Hammer?

  What happened is you couldn't make a phone call, but go ahead.

• 48:21Speaker 05

  I typically pay them on time. I usually don't ever miss. But, um, I believe, so typically I pay both the credit cards at the same time.

• 48:31Caleb Hammer?

  Uh huh.

• 48:32Speaker 05

  The first one-

• 48:33Caleb Hammer?

  And then you didn't.

• 48:34Speaker 05

  They, they come out different days. So the first one, I paid it. We didn't have enough money to pay the second one.

• 48:39Caleb Hammer?

  Why overcomplicate this? Why over, you didn't have enough money in the checking account? Why? Probably because we spent $1,800 more than we would get on monthly basis because we don't care about anything.

• 48:46Speaker 05

  We were running low and so I didn't have enough money to pay it when I paid the other one. And then, truthfully, I completely forgot about it until I saw that it went-

• 48:53Caleb Hammer?

  Auto pay. Phone call, ring, ring. Hey, bank, me, I'm stupid. Please do it for me because I'm a little baby.

• 49:06Caleb Hammer?

  That's what we do. As adults, when we can't manage things, we at least use the systems in place. What?

• 49:13Speaker 04

  Yes.

• 49:14Caleb Hammer?

  Okay. Okay.

• 49:18Speaker 04

  I don't think we've ever missed a payment before that payment.

• 49:21Caleb Hammer?

  Doesn't matter. You missed a payment? That's all that matters. You missed the fucking payment. And I honestly don't even believe that.

• 49:28Speaker 04

  That we've never missed a payment before?

• 49:29Caleb Hammer?

  Yeah. I don't even believe that. Really don't.

• 49:34Speaker 04

  I know on his credit cards, he's never missed a payment. I'm pretty sure I've missed a couple of payments on my credit cards, but...

• 49:39Caleb Hammer?

  That's... what? That counts. Does that not count?

• 49:42Speaker 04

  Okay, but him...

• 49:43Speaker 05

  What? No, it's just... She said we never missed payment and then she said that she missed a payment.

• 49:48Caleb Hammer?

  I agree. What the?

• 49:49Speaker 04

  Yeah. Well, I have a Victoria's Secret credit card. And they never-

• 49:52Caleb Hammer?

  So that means you don't pay?

• 49:53Speaker 04

  No, they never sent it to me in the mail. And I, they wouldn't-

• 49:56Caleb Hammer?

  You rely on the mail? It's eighteen hundred? We're paying our credit cards via mail?

• 50:01Speaker 04

  They never sent me the card. Or the informa- like, I don't, I didn't even have an account number.

• 50:05Caleb Hammer?

  You get an email usually.

• 50:06Speaker 04

  I didn't. They didn't send me anything.

• 50:08Caleb Hammer?

  You can also do that thing where you call.

• 50:11Speaker 04

  Well, eventually they called me after I missed-

• 50:13Caleb Hammer?

  Why'd you wait for that? Like a fucking child?

• 50:17Speaker 04

  I just didn't think about it after I got it.

• 50:19Caleb Hammer?

  Then you don't get it? Yeah. Three hundred and fifteen dollars in interest on this card alone this year.

• 50:26Caleb Hammer?

  Alright! More Bank of America! What's going on with this card? I see... Purchases! Purchases on a card that is basically maxed out, that takes eighteen years to pay off, that interest is accruing, that we certainly can't pay off right now. Purchases! What's going on?

• 50:43Speaker 05

  Um, I believe that one... Well, like I said, one of them was primarily wedding. The other one-

• 50:50Caleb Hammer?

  Dude, I don't give a... There's purchases on it. What the fuck is happening?

• 50:53Speaker 04

  Like you used it recently?

• 50:54Caleb Hammer?

  Wedding, the wedding happened. The wedding's a long time ago. I don't give a- It's basically maxed out.

• 50:59Speaker 04

  You know what? So... That card... Does have a lot of money on it. It already did. But for some reason, when he was going to Walmart with our debit card, his debit card wasn't reading. Like... It kept, like, denying the card. And then, he would have to use the credit card. Because it wouldn't-

• 51:16Caleb Hammer?

  Four thousand four hundred sixty seven dollars eighty eight cents with a minimum payment of a hundred seventeen dollars.

• 51:21Speaker 04

  No, I'm saying that's why there's purchases on it now. Those two cards like are off limits. We don't touch them unless-

• 51:27Caleb Hammer?

  It was Family Dollar.

• 51:28Speaker 04

  Okay, well then I don't-

• 51:29Caleb Hammer?

  See, I always know for a fact they don't know what they're talking about. You wouldn't be in this situation. Like, what the f- Because I didn't use it at Family Dollar.

• 51:38Speaker 04

  I don't remember. I lost that card for like a year.

• 51:44Caleb Hammer?

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• 52:23Caleb Hammer?

  You want to send a text after someone books a call or triggering the email if they don't show up? One click, done. And here's the best part. I've teamed up with them to give you an exclusive thirty day free trial, double than the usual. So if you're fed up with software chaos, this is your sign. Jump on High Level, consolidate your toolkit, and watch your monthly bills shrink. Well, then I honestly don't know what's going on with that one then. Because I have not used it.

• 52:51Speaker 04

  I'm pretty sure you used it for, for, because you came home complaining about how you had to use that credit card because-

• 52:57Caleb Hammer?

  Right, I, I remember that. I remember that happening.

• 53:00Speaker 04

  Do you mean that you don't know? I'm so confused.

• 53:03Caleb Hammer?

  Like, I do remember having to use it because my credit or my debit card didn't work, but I'd never just, like, especially recently, that was like months ago that that happened. I don't, I haven't used it. I haven't used it recently. So, I don't know.

• 53:19Speaker 04

  I don't have access to that credit card for me to say that I use that credit card. You have your credit cards. So you had to have used it. I don't know if it was an auto draft purchase that you have on there. I don't know, but I can tell you for a fact. Oh, okay. Well, I don't know, but it was you that used the card, so I don't know what it was made for, what the purchase was made for.

• 53:40Caleb Hammer?

  Yeah, I couldn't tell you, honestly.

• 53:42Speaker 04

  I did have possession of this card while and that's why the limit is so high, but the recent purchase he did make, I just don't know what for.

• 53:52Caleb Hammer?

  What a mess.

• 53:53Speaker 04

  Yes.

• 53:54Caleb Hammer?

  What the fuck are we doing?

• 53:56Speaker 04

  I just blacked out with, I couldn't even tell you what was spent on that card or why.

• 54:03Caleb Hammer?

  Dollar store.

• 54:05Speaker 04

  No, I'm saying like for the limit to be that high.

• 54:09Speaker 04

  I couldn't tell you what, what was used, what it was used for.

• 54:13Caleb Hammer?

  Guys, are you kidding me? Are you kidding me?

• 54:23Caleb Hammer?

  There's a late fee on this one this year so far as well. Are you kidding me?

• 54:33Caleb Hammer?

  Oh my

• 54:41Speaker 04

  Were they both late?

• 54:43Caleb Hammer?

  Yes! I don't know when, but it was this year!

• 54:48Speaker 05

  It should have only been, I only, I know that I was only one of them.

• 54:51Caleb Hammer?

  Isn't, fuck you!

• 54:54Speaker 05

  I thought it was only one of them that was late.

• 54:55Caleb Hammer?

  You thought wrong!

• 54:59Caleb Hammer?

  I took, I thought I took my kid out of the steaming hot car! Is that what's gonna happen? I saw it, so it's okay!

• 55:09Caleb Hammer?

  What is going on? Who's responsible for this fucking this?

• 55:15Caleb Hammer?

  This lack of knowing?

• 55:18Speaker 05

  Obviously both of us.

• 55:25Caleb Hammer?

  Okay.

• 55:28Caleb Hammer?

  Oh.

• 55:32Caleb Hammer?

  I, I'm not, okay.

• 55:37Caleb Hammer?

  Guys, I just I don't know.

• 55:43Caleb Hammer?

  Capital one.

• 55:45Speaker 04

  That's mine.

• 55:49Caleb Hammer?

  How do you guys, how?

• 55:52Caleb Hammer?

  How can you guys have conversations if you guys are never away from each other? If you guys work the same job, go into the same office, need to have these conversations, about to have a kid with each other? How are you guys even able to have these conversations without going at each other's throats?

• 56:06Speaker 04

  We just don't.

• 56:07Caleb Hammer?

  It's like space is necessary, you just don't?

• 56:09Speaker 04

  Like, we, we have disagreements, but we don't like have like-

• 56:12Speaker 05

  We, we do disagree about money, but we don't like-

• 56:16Caleb Hammer?

  What's the disagreement?

• 56:16Speaker 05

  We don't like fight, fight about it or anything.

• 56:19Caleb Hammer?

  What's the disagreement?

• 56:20Speaker 05

  Like-

• 56:20Caleb Hammer?

  Well, but you don't resolve either.

• 56:24Speaker 05

  I mean, it is, like, yeah, we, we do, we do disagree about it, like, whenever we do, uh, whenever she wants to get something, or if I want to get something, she will say something, or I'll say something, but typically, honestly, one of us gives in to the other, and then it still gets done, so it's-

• 56:41Caleb Hammer?

  And, and, and the wrong?

• 56:42Speaker 05

  Just a repeating cycle of stupidity.

• 56:47Caleb Hammer?

  We're okay with this?

• 56:48Speaker 05

  No, we need to fix it.

• 56:49Caleb Hammer?

  So why no resolve? Why no actually trying to talk?

• 56:53Speaker 04

  We disagree a lot on like buying gifts. On, on buying like-

• 56:58Speaker 05

  What about?

• 56:59Speaker 04

  Like, he doesn't, like, he knows that we don't have the money to do it, and I'll like, feel bad for not purchasing a gift for someone, and then I'll do it anyways.

• 57:09Caleb Hammer?

  Oh, come on, you can't just do things you're in a lottery, oh, wow, okay, thought that worked, can't just do things on your own, this is a group, this is a team effort.

• 57:22Speaker 04

  He'll, like, he'll want me to-

• 57:23Caleb Hammer?

  It's selfish of you to do that, even if it's a gift for others, if you're doing it without consideration of the household, the husband, the kid, it's selfish.

• 57:33Speaker 04

  I just feel bad if I don't, like, get someone a gift on their birthday and they're gonna see me-

• 57:37Caleb Hammer?

  Feel bad for your kid and husband?

• 57:41Caleb Hammer?

  Give him a pat on the back, a back scratch, everyone loves a back scratch, give him a back scratch.

• 57:48Caleb Hammer?

  Okay, I'm gonna put you guys through a couple of therapy, Sondermine, three free, three free sessions for all the guests, and I think audience members as well, and I'll also gift you a fucking certification to course careers, if one of you wants to change your career field, so you don't have to be like on each other, so you can actually have appropriate conversations, cuz a little space is healthy.

• 58:10Caleb Hammer?

  Okay?

• 58:11Speaker 05

  Well, when it, so like-

• 58:15Speaker 05

  I don't really, like, the way I see the gift giving thing, like, especially like for birthdays, I truly think that, like, I don't even care to get gifts for birthdays, like, I don't.

• 58:26Caleb Hammer?

  Sure, it's, huh, your love language, sure.

• 58:28Speaker 05

  Yeah, so, that, and, and that's the biggest thing with that, like, I, I don't care, and I won't, like, I won't buy this stuff, and I try to tell her not to, but she'll still do it because she feels like she needs to.

• 58:42Speaker 04

  Well, like, it's hard, like, especially during Christmas, like, we'll have, like, a conversation with the family and be like, we're not gonna buy gifts this year, like, we can't, and then, they'll, like, we'll go over, like,

• 58:55Caleb Hammer?

  Okay, I mean, okay, I get it.

• 58:56Speaker 04

  I, they buy us gifts, and then I'm like, well, we look like pieces of [BLEEP] if we come in empty-handed and everybody else has bought us a gift and spent money on us.

• 59:05Speaker 05

  But that's the thing, like, they're our family, and they know, they're like, like, obviously, our family knows what kind of position we're in, we, we, we're open about it, so if we tell them, like, look, we can't afford to do this, and, like, we shouldn't be doing this.

• 59:20Speaker 04

  It's your, it's your family that does it the worst.

• 59:23Speaker 05

  That's besides the point, we still need to stick to our guns when we say we're not gonna buy Christmas gifts, and then, not freaking do it, instead of, oh, they got us gifts, so we have to put it on a credit card to get it. Like, we need to stop doing that.

• 59:37Speaker 04

  I just feel like they should stop doing it, like, they should stop, if we're saying it, then they need to be respectful of the fact that, and not get us gifts as well. But that's hard for me because it makes, I feel like it makes us look bad, that we're not, like, I don't want us to, like, look like we're, like, mooching off of other people, or, like, mooching off of.

• 59:56Speaker 05

  It's not mooching if they're giving you gifts, it's not like you're asking for the gifts, like, hey, I want this, this, and this, thousand dollars worth of [BLEEP], and then,

• 1:00:07Speaker 05

  we, now we gotta buy you stuff in return because you got us gifts, no, like, they give us stuff because they want to give us stuff, and if we talk to them and be like, hey, like, we can't afford to do this this year, I feel like that it'll be okay for us to skip a year of Chris, of, of gift giving on Christmas, to help ourselves financially.

• 1:00:28Speaker 04

  The only way that I can fix this should not do it anymore, but it's that's like the hardest thing for me because I hate to make people I hate to feel that way like it makes me feel

• 1:00:37Caleb Hammer?

  What about his feelings?

• 1:00:40Speaker 05

  Yeah, we're getting put in a hole because of it.

• 1:00:44Speaker 05

  And then I have to go work at the shop that I hate working at so that I can make extra money to put food on the table.

• 1:00:51Speaker 04

  Yeah.

• 1:00:53Speaker 05

  Because I'm okay at working on cars, but I don't like doing that. That's why I work behind a computer.

• 1:00:58Speaker 04

  But I also work overtime when I can.

• 1:01:01Speaker 05

  I understand that.

• 1:01:02Speaker 04

  To make up like to make extra money too, so.

• 1:01:05Speaker 05

  But that doesn't make it okay to spend a ton of money that we don't have for Christmas.

• 1:01:11Speaker 04

  Yeah.

• 1:01:13Speaker 04

  I don't think you're wrong. I just it's like a mental like it's like a brain thing for me. It's hard to not want to give when people are giving to you.

• 1:01:25Caleb Hammer?

  Okay. Oh gosh, okay. Capital One Quicksilver One.

• 1:01:30Speaker 04

  That one's mine.

• 1:01:31Caleb Hammer?

  Two hundred thirty nine dollars thirty four cents. Have we looked at one of his?

• 1:01:35Speaker 04

  The two Bank of America.

• 1:01:36Caleb Hammer?

  Oh, here's the late payments here to spend.

• 1:01:39Speaker 00

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• 1:02:05Caleb Hammer?

  There, okay. What a match. Twenty five dollars a month, five dollars of spending. Yeah, starters of interest. At least the payment was on time. She stopped at Sonic. She got her little blast. Little Sonic blast.

• 1:02:20Speaker 04

  Yeah, prob- or it was probably a cherry limeade.

• 1:02:24Speaker 04

  If I had to guess what it was.

• 1:02:25Caleb Hammer?

  And that is more important than our kid's future. A cherry limeade for five dollars.

• 1:02:33Speaker 04

  That's my thought process though, it's like, it's five dollars.

• 1:02:37Caleb Hammer?

  What? For a cherry limeade?

• 1:02:40Speaker 04

  Well, it was five, okay.

• 1:02:41Caleb Hammer?

  Five dollars is not an insignificant spend for a limeade. Limeade!

• 1:02:47Speaker 04

  Okay, well, you said blast, and that's even fucking less expensive.

• 1:02:50Caleb Hammer?

  I don't know what people get at Sonic. I was just talking off the cuff. I don't go there because I'm not a disgusting freak. Sonic is disgus- Go to a Sonic and it smells like death. We have Sonic in our Doug Doug stream for our elite members and it... There's nothing that has smelled worse in this world than Sonic. I don't go to Sonic! And I'm fat! And I don't go to Sonic. So I don't know what people get from Sonic. I don't care. Five dollars for a limeade?

• 1:03:18Speaker 04

  Route 44s are expensive, dude, if you get them before 8pm.

• 1:03:21Caleb Hammer?

  What the fuck is that? What are you talking about?

• 1:03:23Speaker 04

  That's like the biggest one. Like, the biggest drink.

• 1:03:25Caleb Hammer?

  You're getting a fucking, like, what's the ounce?

• 1:03:28Speaker 05

  Forty-four ounce.

• 1:03:29Caleb Hammer?

  You're getting a forty-four ounce thing of sugar at, in 8am?

• 1:03:33Speaker 04

  Yes.

• 1:03:34Caleb Hammer?

  So you are a child in your actions and beverages. Great.

• 1:03:41Caleb Hammer?

  Well, don't encourage them. Who's encouraging them? Either Jake and, or Lindsay is encouraging them and saying, "Use the app because they're 50% off." They're not a sponsor.

• 1:03:48Speaker 04

  I have the app, yeah.

• 1:03:49Caleb Hammer?

  So you don't even do that?

• 1:03:51Speaker 04

  No.

• 1:03:51Speaker 05

  No, she uses her app on McDonald's. That, she uses all the freaking time.

• 1:03:55Caleb Hammer?

  Oh.

• 1:03:57Speaker 04

  Yeah.

• 1:03:59Speaker 04

  I have, like, twenty thousand points.

• 1:04:02Caleb Hammer?

  It's not a good thing.

• 1:04:04Speaker 04

  No.

• 1:04:05Caleb Hammer?

  It's not a fucking brag!

• 1:04:06Speaker 04

  I mean, it's beneficial, but I'm saying that's why I use the app. It's beneficial now because I get free all the time.

• 1:04:12Caleb Hammer?

  Hundred thousand dollars in debt. Thirty percent of that being for the house. Beneficial. That's gonna pay off seventy thousand dollars in debt? Okay. And maybe our money doesn't, uh, go to McDonald's and it goes to debt!

• 1:04:28Caleb Hammer?

  Another Capital One. How many? No, we haven't had a Capital One credit once, that's right. Okay, so Capital One, what's going on?

• 1:04:37Speaker 04

  Um, that one's mine as well.

• 1:04:38Caleb Hammer?

  Four hundred ninety-six dollars and five cents. Yep, transactions that equals you, late fees equal him. Okay, so twenty-seven dollars, eighty-seven cents, a transaction on a card that is, uh, yeah, close to being maxed out by a hundred bucks, that we can't pay off. That interest is accruing twelve dollars ninety-four cents, minimum payment of twenty-five dollars. What are we doing? What are you purchasing on?

• 1:04:59Speaker 04

  Uh, it's probably fast food, if I had to guess.

• 1:05:01Caleb Hammer?

  Okay, how can we just be living off of fast food every second of our life? We're okay with this?

• 1:05:05Speaker 04

  No, but I'm pregnant, so like, at the end of the day, I don't wanna, I don't wanna cook every day. I don't trust him to cook.

• 1:05:11Caleb Hammer?

  Meal prep? What do you mean you don't trust him to cook?

• 1:05:12Speaker 05

  That's the problem. That's the biggest issue. Like, I can-

• 1:05:14Caleb Hammer?

  What, is he gonna put like cayenne pepper in it? What are you talking about?

• 1:05:16Speaker 05

  She's a, she's got a weird thing with meat. She doesn't, like, it's weird. And she'll-

• 1:05:22Caleb Hammer?

  What the fuck is a weird thing with meat?

• 1:05:23Speaker 05

  She's the type of person, we could go to like, out to eat or something, and she will buy a twenty-dollar meal, take one bite of it and get like a piece of fucking fat, or like a gristle or something, and waste the whole fucking meal.

• 1:05:33Caleb Hammer?

  What the fuck are we talking about, guys? We can't cook because we're afraid of gristle?

• 1:05:37Speaker 04

  I can cook, but I just don't feel like it.

• 1:05:40Caleb Hammer?

  Meal prep, microwave!

• 1:05:42Speaker 04

  And he, I-

• 1:05:43Caleb Hammer?

  Meal prep, microwave! Meal prep, microwave!

• 1:05:48Caleb Hammer?

  You don't trust him? What do you mean? What can he do? What can, what, what, what, what would he fail at? Making spaghetti? What'd he fail at?

• 1:05:54Speaker 05

  Exactly. That's what I'm saying. It's-

• 1:05:56Speaker 04

  Um, like, if it's undercooked.

• 1:05:59Caleb Hammer?

  Cut through and check.

• 1:06:01Speaker 04

  But you can't tell.

• 1:06:02Caleb Hammer?

  Yes, you can.

• 1:06:04Speaker 04

  Like-

• 1:06:04Caleb Hammer?

  Pork's a little hard, but beef and chicken's easy.

• 1:06:07Speaker 04

  He made beef stroganoff the other day.

• 1:06:09Caleb Hammer?

  Yeah, beef's super easy to tell if it's raw.

• 1:06:11Speaker 04

  Yeah. I don't know, it's just my brain. I just think-

• 1:06:14Caleb Hammer?

  What?

• 1:06:15Speaker 04

  I just think that I can't trust it, if I didn't cook it.

• 1:06:19Caleb Hammer?

  Is that a medical disorder?

• 1:06:20Speaker 04

  No, I mean, I've never been diagnosed with anything.

• 1:06:24Speaker 04

  But I don't appreciate it.

• 1:06:26Caleb Hammer?

  You don't appreciate it? A husband cooking for you? How are you gonna survive when there's the kid? You're taking her to the kid and maybe he's gonna cook for the house. What, you're just gonna eat McDonald's for every meal for the rest of your life? You're gonna die at forty? So what the fuck then? What are we talking about?

• 1:06:42Speaker 04

  I can't eat fat meat and I can't eat.

• 1:06:44Caleb Hammer?

  What then get chicken? Chicken breasts. Chicken breasts is white as fuck when cooked.

• 1:06:51Speaker 05

  She could literally, so before even cooking the chicken, she sits there and like picks pieces off of it and cuts all these pieces. She'll waste like a quarter of a fucking chicken just trying to cook it.

• 1:07:00Caleb Hammer?

  The fuck are we do- what do you want? Then cook meatless then. And I'm, I'm a fucking meat addict. I'm just like, every second of my life.

• 1:07:08Speaker 04

  I love, obviously I'm in this situation. I love meat, but.

• 1:07:10Caleb Hammer?

  Well, I can't tell what's pregnancy, what's not.

• 1:07:12Speaker 04

  Um, I don't, I just don't like fat on my meat.

• 1:07:16Caleb Hammer?

  Then have chicken breasts!

• 1:07:19Speaker 04

  Chicken breast has fat on it.

• 1:07:21Caleb Hammer?

  But you trim it off and have him cook it. Trim, cook, trim, cook, trim, cook. Come on, chicken breasts is like the easiest meat to tell if it's under. It's white as, it's as white as you when it's done, right?

• 1:07:35Speaker 04

  Yeah, but it's also, I just don't think I'm gonna budge on him cooking it.

• 1:07:41Caleb Hammer?

  What the? What the fuck are we talking about?

• 1:07:45Speaker 04

  I would rather get better about.

• 1:07:46Caleb Hammer?

  Okay, what about meatless? What about pre-coo- what about pre-cooked meat? What about pre-cooked meat?

• 1:07:52Speaker 05

  Oh, that's even worse. That's even worse for her.

• 1:07:54Speaker 04

  I don't even know what you're talking about at that point.

• 1:07:56Speaker 05

  That's even worse for her.

• 1:07:57Caleb Hammer?

  You can't fucking do like the pre-cooked chicken tenders to just fucking.

• 1:08:01Speaker 04

  I can eat dino nuggets. That's it, that's the only time.

• 1:08:04Caleb Hammer?

  There's a lot of different variations that are healthier versions.

• 1:08:07Speaker 04

  One.

• 1:08:08Caleb Hammer?

  Oh! Are you autistic? Are you the real autism here?

• 1:08:11Speaker 04

  I don't think so, no.

• 1:08:14Caleb Hammer?

  You can only eat dino nugs?

• 1:08:16Speaker 04

  Yeah.

• 1:08:17Caleb Hammer?

  This is love on the spectrum, ladies and gentlemen.

• 1:08:19Speaker 04

  I've never gotten a bad piece.

• 1:08:22Speaker 05

  She's just weird like.

• 1:08:23Caleb Hammer?

  Why can't he make spaghetti without meat?

• 1:08:26Speaker 04

  He can make it if he makes it with the frozen meatballs.

• 1:08:29Caleb Hammer?

  What about just without meat?

• 1:08:32Speaker 04

  Because who wants anything without meat?

• 1:08:33Caleb Hammer?

  No one, but you're with him cooking.

• 1:08:38Caleb Hammer?

  So go meatless for when he cooks.

• 1:08:41Speaker 04

  He doesn't like not having, he had to get.

• 1:08:43Caleb Hammer?

  I, I agree. He, he can have meat for him. You do no meat when he cooks and do meat when you cook.

• 1:08:52Caleb Hammer?

  I'm confused. We can always find a solution. Are you four? How are you gonna tell, how? Here's an actual honest thing. How are you gonna be able to tell your kid, no, you have to eat this if mom isn't willing to eat?

• 1:09:06Speaker 05

  Well, I've already told, cause that's obviously from her upbringing, but I've already told her, like, my kid is not gonna be that way. Her brothers are even worse than her.

• 1:09:15Speaker 04

  But like his family eats like pigs feet and stuff.

• 1:09:18Caleb Hammer?

  Huh?

• 1:09:18Speaker 04

  His family eats like pigs feet and like.

• 1:09:21Caleb Hammer?

  What's your ethnicity?

• 1:09:22Speaker 05

  I'm half Mexican.

• 1:09:26Caleb Hammer?

  Okay.

• 1:09:27Speaker 04

  So like, I'm sure that our son will be fine.

• 1:09:29Caleb Hammer?

  I'm sure he eats more than just pigs feet, though.

• 1:09:31Speaker 04

  No, but I'm just saying like, that's the grossest thing. And like, pausole and.

• 1:09:35Caleb Hammer?

  It's pausole.

• 1:09:36Speaker 04

  Menudo.

• 1:09:37Speaker 05

  It's like a Mexican, like, basically kinda like soup.

• 1:09:40Speaker 04

  But it has fat in it. Like, the meat is solely just fat meat.

• 1:09:43Caleb Hammer?

  Yum!

• 1:09:44Speaker 05

  It's freaking good.

• 1:09:45Caleb Hammer?

  Yum, yum, yum, yum, yum!

• 1:09:46Speaker 04

  That's crazy.

• 1:09:48Caleb Hammer?

  What fatty meat? That's why people have fucking filet mignon. Less flavorful, more fat. Cause it's more tender.

• 1:09:54Speaker 04

  No.

• 1:09:55Caleb Hammer?

  Ribbing throughout. Okay.

• 1:09:57Speaker 04

  I was enabled my whole childhood with my food. Yeah.

• 1:10:01Caleb Hammer?

  Act, go to therapy again.

• 1:10:03Speaker 04

  I'll fix my, I will put in effort to fix my finances, but the, I'll never put a piece of fucking fat meat in my mouth.

• 1:10:09Caleb Hammer?

  No, you're going to McDonald's every second of your life and fucking Sonic for a little slippy drinky slurp, slurp, slurp, slurp. Like, we don't fix this unless food is eaten at home. Unless things are packed for lunch. Breakfast is at home. Well, I made a stir it in a pack.

• 1:10:25Speaker 05

  I don't even, for breakfast, I don't even eat. I literally just like drink a cup of coffee.

• 1:10:29Caleb Hammer?

  Yeah, you have one percent of your stomach.

• 1:10:31Speaker 05

  Yeah, so it's literally, she will just, she'll just get whatever she wants typically. She'll order something or she'll go, she'll order something on the app from, from McDonald's and then she'll go pick it up on her lunch break or.

• 1:10:43Caleb Hammer?

  You can't. You won't be here for your kid's graduation before your credit cards are paid off.

• 1:10:49Speaker 04

  Right.

• 1:10:52Caleb Hammer?

  Take out life insurance before they

• 1:10:53Speaker 04

  Wait, I have it. I do have it.

• 1:10:55Caleb Hammer?

  Thanks.

• 1:10:55Speaker 04

  Yeah, on both of us.

• 1:10:57Caleb Hammer?

  Thank

• 1:11:00Caleb Hammer?

  Definitely not headed anywhere good.

• 1:11:01Speaker 05

  How many?

• 1:11:03Caleb Hammer?

  But late fees on this one too, probably.

• 1:11:06Speaker 05

  Late fees?

• 1:11:06Caleb Hammer?

  Like probably two this year so far. I don't know what other fees would be added to this card.

• 1:11:13Speaker 04

  Um, is there not an annual fee on that card?

• 1:11:15Caleb Hammer?

  No.

• 1:11:16Speaker 04

  Then it very could possibly be a late fee if I didn't have um, auto pay on it.

• 1:11:22Speaker 05

  How many Capital Ones um, did you have right there?

• 1:11:26Caleb Hammer?

  We're at one.

• 1:11:27Speaker 05

  I'm, I'm pretty sure she has like two or three of those.

• 1:11:30Caleb Hammer?

  I'm sure we'll find them.

• 1:11:33Caleb Hammer?

  I've guess, I guess we've done two. I see two Bank of Americas. Oh, Capital One.

• 1:11:39Speaker 04

  The Quicksilver is, yeah, Capital One.

• 1:11:44Caleb Hammer?

  So how do we actually solve this if she can't eat food at home from home?

• 1:11:47Speaker 04

  I can't, I just need to cook it myself. Like, I'll cook it myself.

• 1:11:51Caleb Hammer?

  That, if that is your choice, then you have to do it and it's not an option.

• 1:11:55Speaker 04

  Yeah.

• 1:11:57Caleb Hammer?

  It's as easy as that. If you're gonna be a child about someone else cooking, then you have to be the one that cooks. It is your choice.

• 1:12:09Caleb Hammer?

  Alright, blue cash, what's this? I don't have a statement, I have screenshots.

• 1:12:12Speaker 04

  Yeah, that one's mine.

• 1:12:13Caleb Hammer?

  What's blue cash? Okay, what's going on?

• 1:12:20Speaker 04

  Oh my, why do I keep crying? I'm not like

• 1:12:23Caleb Hammer?

  It's a great question.

• 1:12:24Speaker 04

  Offended or anything, I just keep crying.

• 1:12:27Caleb Hammer?

  What are you saying, the third, oh, the third one you have to pull up for me? Okay, let's talk about the blue cash and then we'll pull up the third Capital One.

• 1:12:33Speaker 04

  That is an American Express card.

• 1:12:35Caleb Hammer?

  Okay, well, I'm

• 1:12:36Speaker 04

  And I can't get the statement because it's

• 1:12:38Caleb Hammer?

  What's the balance?

• 1:12:40Speaker 04

  I think it's like twelve hundred.

• 1:12:41Caleb Hammer?

  Think, well, minimum monthly payment?

• 1:12:43Speaker 04

  Um, forty dollars?

• 1:12:46Caleb Hammer?

  Probably late fees this year, so twelve hundred dollars.

• 1:12:49Speaker 04

  I literally can't pay that one late.

• 1:12:52Caleb Hammer?

  Go on.

• 1:12:52Speaker 04

  It's, it's not just my card, like it's my dad, my stepdad's card.

• 1:12:56Caleb Hammer?

  So he'll pay if you don't?

• 1:12:58Speaker 04

  Um, if I

• 1:12:58Caleb Hammer?

  Women's health?

• 1:12:59Speaker 04

  That's why I have doctor's appointments.

• 1:13:01Caleb Hammer?

  Water Burger? Hopefully your doctor tells you to stop that.

• 1:13:05Speaker 04

  I actually already got my gestational diabetes test done and my sugars are very good, so I don't have that.

• 1:13:12Caleb Hammer?

  Well done, what about heart disease? Okay.

• 1:13:14Speaker 04

  I don't know about that.

• 1:13:15Caleb Hammer?

  Bubble tea.

• 1:13:18Caleb Hammer?

  Yeah, yeah, it's 1200, you're right. So it's just around as usual, interesting crew and probably. Alright, pull up that, pull up that extra, what, it's a capital one, right?

• 1:13:28Speaker 04

  Yeah.

• 1:13:29Caleb Hammer?

  Oh, for fuck's sake. Why, you couldn't pull a statement? I'm confused.

• 1:13:33Speaker 04

  I think I did pull it, I just didn't send it in. Like, I had like, I have fucking 650,000 fucking credit cards right here.

• 1:13:40Caleb Hammer?

  Yeah, maybe you should be looking at them on a monthly basis.

• 1:13:47Caleb Hammer?

  Guys, you have to use our budgeting app, please, please download our budgeting app, please. I'm gonna, I'm gonna furiously just machine gun.

• 1:13:58Speaker 04

  Do you want this?

• 1:13:59Caleb Hammer?

  Slap you, yes.

• 1:14:03Caleb Hammer?

  Oh, well, it's zero dollars.

• 1:14:05Speaker 04

  Now, but at the time, it wasn't.

• 1:14:07Caleb Hammer?

  What's at the time?

• 1:14:09Speaker 04

  When we send the statements in.

• 1:14:15Caleb Hammer?

  Past due fee beginning last month. Oh.

• 1:14:23Caleb Hammer?

  What are you, why? Why? Why do you do, past due January as well, it's every other month, there's a past due, it's this Oh, god, we're just past due for second of our fucking lives, you don't pay us like a fucking time! Unless daddy's on it, if daddy's not on the card, we're just past due! Oh!

• 1:14:45Caleb Hammer?

  Ahhh, why? Oh, for sake, sorry, I didn't mean to throw your phone. Oh, just like, what the fuck are we doing? We're past due on just everything endlessly?

• 1:14:57Speaker 04

  Auto pay turned on.

• 1:14:58Caleb Hammer?

  Why?

• 1:14:59Speaker 04

  And then I just, I didn't end up paying it on time.

• 1:15:03Caleb Hammer?

  Why? Multiple times, multiple cards.

• 1:15:09Speaker 04

  I just didn't have it turned on, I do have it turned on.

• 1:15:11Caleb Hammer?

  Ohhh, why didn't you pay it then?

• 1:15:15Speaker 04

  I did pay it eventually.

• 1:15:17Caleb Hammer?

  Oh, not on fucking time, that was just what matters?

• 1:15:19Speaker 04

  Right, but I, but I did have auto pay on, I turned it off, I forgot to turn it back on.

• 1:15:27Caleb Hammer?

  I'm assuming she maybe turned it off because we didn't have the money for it to come out.

• 1:15:31Speaker 04

  Oh, maybe. Yeah, that could be it.

• 1:15:34Caleb Hammer?

  So anything that I could think of would be the reason why you did that?

• 1:15:37Speaker 04

  Yeah.

• 1:15:39Speaker 04

  Cause we've shared the same.

• 1:15:41Caleb Hammer?

  Civilization is broken. There's no, these are the leaders of tomorrow. Well, fuck me. Kind of, what kind of finances, kind of finances are your kid gonna learn, guys? What kind of fucking discipline are they calling? Mommy's not gonna eat because daddy cooked the meal. What are they gonna? What are they gonna, what are they gonna learn?

• 1:16:04Caleb Hammer?

  You're not gonna learn a single fucking dick. Synchronize what? JCPenney? What are we JCPenneying?

• 1:16:09Speaker 05

  Uh, that was our, um, it was my wedding band and another, it was like a, another band for her set.

• 1:16:19Caleb Hammer?

  What do you mean, multi-banding?

• 1:16:21Speaker 04

  Yeah, I have two, I have three.

• 1:16:22Caleb Hammer?

  Why? What, what, you got married three times? What's happening?

• 1:16:25Speaker 04

  No, he, so when he proposed, he didn't take the, um, like the wedding band out and I just kept it. And then he, when we went to go buy his, I got another wedding band to go underneath it.

• 1:16:40Caleb Hammer?

  Marriage, guys.

• 1:16:43Caleb Hammer?

  Come on.

• 1:16:45Caleb Hammer?

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

• 1:16:53Caleb Hammer?

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

• 1:17:36Caleb Hammer?

  And don't forget, when you sign up for the annual version of the premium plan, you'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook, all mailed directly to your door. So make sure you download my budgeting app today. It's in the description and pinned comment below. You will not regret it. Oh my, there's so many, there's.

• 1:18:00Caleb Hammer?

  So irritating. Thirty dollar monthly payment, current balance three hundred eighty-seven, didn't send a statement, can't see your purchases.

• 1:18:08Speaker 05

  Yeah, there's, there's no other purchases.

• 1:18:10Speaker 04

  That's it. We've never used it again.

• 1:18:11Caleb Hammer?

  Can't see if there's late fees. I bet there are, because half of these have had late fees.

• 1:18:16Speaker 04

  That one's on auto pay.

• 1:18:17Caleb Hammer?

  Don't believe you. You may have not had enough in your checking account when it hit, leading to a late fee. Okay, Synchrony Home. What's this for?

• 1:18:26Speaker 04

  That's cons. That's for.

• 1:18:27Caleb Hammer?

  Cons?

• 1:18:28Speaker 04

  Yeah, it's like a home appliance store.

• 1:18:33Caleb Hammer?

  What'd you guys get?

• 1:18:34Speaker 04

  We, this is a washer and dryer and a fridge.

• 1:18:41Caleb Hammer?

  Two thousand sixty-five dollars, seventeen cents, minimum monthly payment one oh four. These minimum monthly payments are insane. What the fuck are we doing? What did you spend on a washer dryer? It was.

• 1:18:55Speaker 04

  It was like thirty-six hundred, I think.

• 1:18:57Caleb Hammer?

  Whoa, you could have gone cheaper than that.

• 1:18:59Speaker 04

  It was washer, dryer and a fridge.

• 1:19:01Caleb Hammer?

  What the fuck I bought? When I moved into my most, uh, the house that I live in now, I bought a nice washer and dryer and I think,

• 1:19:09Caleb Hammer?

  like a really nice washer and dryer, it was like that much money. Like, why'd you need that?

• 1:19:13Speaker 04

  We went into cons.

• 1:19:14Caleb Hammer?

  Facebook Marketplace.

• 1:19:15Speaker 04

  But every, okay, so when we bought our house, everything that was in our house stayed in our house. Like, we got everything that came in the house. So we didn't purchase anything new until shit started fucking up.

• 1:19:27Caleb Hammer?

  Yeah, but maybe you don't purchase brand new when you don't have any money.

• 1:19:30Speaker 05

  And I tried to just go to, because we got a flea market right up the road. They typically get pretty good, like, washer and dryers. I was down to just do that.

• 1:19:38Caleb Hammer?

  This is a historic thing. We already know they get washer and dryers.

• 1:19:41Speaker 05

  Yeah, and.

• 1:19:41Caleb Hammer?

  Oh, fuck, god.

• 1:19:43Speaker 05

  She wanted to go, she talked me into going to cons to go look at a washer, a brand new one.

• 1:19:49Speaker 04

  I wanted something with a warranty on it so that it would if something were to happen.

• 1:19:54Caleb Hammer?

  For fuck's sake, warranties are how they make money.

• 1:19:56Speaker 04

  I just wanted to have the reassurance of like.

• 1:19:58Caleb Hammer?

  Or you get a cheap set that you test, then if it breaks down, it's not the biggest deal because it's a cheap set. Instead of being on a minimum payment for the rest of your fucking life forever.

• 1:20:10Speaker 04

  That one is three years no interest.

• 1:20:12Caleb Hammer?

  Yeah, how long are we in?

• 1:20:13Speaker 04

  A year.

• 1:20:14Caleb Hammer?

  Is it deferred interest?

• 1:20:15Speaker 04

  I don't, I don't know if it's deferred.

• 1:20:16Caleb Hammer?

  Oh, you don't even know because we can't pull up the statement because we can't look it up.

• 1:20:21Caleb Hammer?

  Someone pull it up for me.

• 1:20:26Speaker 04

  There is a statement, but it wouldn't, like the website was down and we were trying to pull it.

• 1:20:31Caleb Hammer?

  Oh yeah, that's what it was. When I was clicking on the statement, it wouldn't pop up. It wouldn't pop up. Pull it up. Pull it up.

• 1:20:41Speaker 04

  Um, we also got a fridge. At that same time. Um, the fridge was 1,200. Like the total we spent was 36. But the fridge was $1,200.

• 1:20:52Caleb Hammer?

  You still didn't need to get new.

• 1:20:55Speaker 04

  That, that's how we got the deferred.

• 1:20:57Caleb Hammer?

  Selling our fucking fridge from our old office, you could have got that. We'll probably sort of for like 50 bucks. I don't even know. Because always people looking to get you rid of stuff.

• 1:21:07Speaker 04

  And the fridge, the fridge wasn't broken. But if we, if you bought.

• 1:21:12Caleb Hammer?

  Oh, for fuck's sake. To store all our food we don't cook?

• 1:21:19Speaker 04

  I do cook. I do cook a lot.

• 1:21:21Caleb Hammer?

  Yeah, you also go to McDonald's every five seconds.

• 1:21:22Speaker 04

  I do. Do both of the things. Two things can be true at once.

• 1:21:27Caleb Hammer?

  All the fuckin' things. Here it is, finally.

• 1:21:32Caleb Hammer?

  Hmm. Hmm. I'm clicking on statement, nothing's happening.

• 1:21:41Speaker 05

  Yeah, that's the problem we run into. That's the problem we were having.

• 1:21:43Caleb Hammer?

  Hmm. You didn't go on the internet?

• 1:21:47Speaker 05

  Yeah, that's, yeah, that's on the internet.

• 1:21:48Caleb Hammer?

  Ah, you didn't go on the app?

• 1:21:50Speaker 04

  They don't, they closed down.

• 1:21:51Caleb Hammer?

  Synchrony?

• 1:21:52Speaker 05

  No, not synchrony.

• 1:21:53Caleb Hammer?

  Yeah, but it's usually, but this is through synchrony, so be in your synchrony app.

• 1:21:56Speaker 05

  I don't have an app. I don't have the app. I just, I just go to.

• 1:21:59Caleb Hammer?

  I'll take that back. I don't, I don't know, guys. Maybe it's deferred, maybe it's not.

• 1:22:05Caleb Hammer?

  Gosh, if there was a camera under this desk, my balls are practically out these shorts.

• 1:22:09Speaker 00

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• 1:22:38Caleb Hammer?

  Just keep going in.

• 1:22:41Caleb Hammer?

  Shorts are in. Ball cam.

• 1:22:44Speaker 04

  It's time to size up.

• 1:22:46Caleb Hammer?

  They're just creep. They creep.

• 1:22:49Caleb Hammer?

  Very comfy though. Except for the creep.

• 1:22:54Caleb Hammer?

  Alta?

• 1:22:55Speaker 04

  Yeah, that's mine.

• 1:22:58Caleb Hammer?

  You're pregnant.

• 1:22:59Speaker 04

  Yes.

• 1:23:00Caleb Hammer?

  Doesn't even matter what you look like because you're gonna be pregnant either way. So it's just like, it's just like meh.

• 1:23:07Speaker 04

  Oh, I buy my-

• 1:23:08Caleb Hammer?

  Pregnant. Everyone sees you and they're like, they're pregnant. Like, what are we doing?

• 1:23:12Speaker 04

  I buy my shampoo and conditioner from, from there. That's what, that's usually what I use it for.

• 1:23:17Caleb Hammer?

  Okay.

• 1:23:20Caleb Hammer?

  Okay.

• 1:23:24Caleb Hammer?

  Interest. I don't even understand why there's a fucking balance. It's a hundred fifty nine dollars and ninety seven cents. For the minimum payment of thirty dollars. Just paying off. Interest is accruing. So thirty point two four percent interest.

• 1:23:39Speaker 05

  That's a thing.

• 1:23:41Caleb Hammer?

  Dude, they're all right around there. Best Buy, what's going on here? We got eight oh six. Eight oh six seventeen.

• 1:23:47Speaker 05

  That was, um, from a few years ago.

• 1:23:51Caleb Hammer?

  Few years ago and we're still holding a fucking balance accruing interest?

• 1:23:54Speaker 05

  Yeah, because I've only been making minimum payments. Well, not even actually. I think the minimum payment is like thirty something. I pay like fifty, but it's not much more, so. Um, but I bought a PC a few years ago. And then, uh-

• 1:24:06Caleb Hammer?

  For how much?

• 1:24:07Speaker 04

  You paid the PC off though?

• 1:24:08Speaker 05

  No, I didn't.

• 1:24:09Speaker 04

  Oh.

• 1:24:11Caleb Hammer?

  Why'd you think that?

• 1:24:13Speaker 05

  I don't know.

• 1:24:13Caleb Hammer?

  Why'd you think that?

• 1:24:14Speaker 04

  Well, I, I, I don't think that when we consolidated, he, I thought he paid everything, but I don't think he paid that off.

• 1:24:19Caleb Hammer?

  How much did you spend on this PC?

• 1:24:21Speaker 05

  Um, the PC was like eighteen hundred. It was like PC, like it was everything. PC monitor, like mouse.

• 1:24:28Caleb Hammer?

  What's the GPU?

• 1:24:29Speaker 05

  Or like everything. Um, I'm sorry.

• 1:24:31Caleb Hammer?

  GPU?

• 1:24:32Speaker 05

  Uh, honestly, I don't have that much.

• 1:24:33Caleb Hammer?

  What the f**k did you buy this? If you don't even know the, the computer.

• 1:24:36Speaker 05

  Well, so I went with a friend of mine and so he like helped me pick it all out and everything because I didn't really know much about it, but I had wanting to get, wanted to get into it. Um, unfortunately I didn't really get that much into it and I did.

• 1:24:50Caleb Hammer?

  You did? And there's still a balance?

• 1:24:51Speaker 05

  At the time, we, I don't even remember what we had going on, but I ended up not paying it off whenever I sold it.

• 1:24:58Caleb Hammer?

  I'll tell you what you had going on. McDonald's of every five seconds of your stupid life and then you, huh.

• 1:25:04Speaker 05

  And then, uh.

• 1:25:04Caleb Hammer?

  Spent more than you brought in, so you just used that to supple- supplement.

• 1:25:07Speaker 05

  And then whenever my brother graduated, I ended up using that card to buy him a graduation gift as well.

• 1:25:14Caleb Hammer?

  Where'd you get them?

• 1:25:15Speaker 05

  I got them at, I got them at Xbox.

• 1:25:24Caleb Hammer?

  So stupid. Four years to pay off thirty percent interest. I, I, I don't understand. This is the, what the choices you guys make. Crazy. Okay, what am I looking at? It's a firm. At thirty-six percent interest. A firm? What are we affirming?

• 1:25:40Speaker 04

  That's for when we went.

• 1:25:41Caleb Hammer?

  What are we affirming?

• 1:25:42Speaker 04

  Clothes.

• 1:25:44Caleb Hammer?

  Did you not have clothes?

• 1:25:46Speaker 04

  It was for when we went to Colorado.

• 1:25:47Caleb Hammer?

  And you didn't have clothes? It gets cold here sometimes.

• 1:25:50Speaker 04

  It doesn't get that cold here as it gets in.

• 1:25:52Caleb Hammer?

  But you probably have a jacket for the, the few weeks a year it happens.

• 1:25:58Speaker 04

  So when.

• 1:25:59Caleb Hammer?

  You couldn't afford this trip?

• 1:26:01Speaker 04

  No, I agree.

• 1:26:02Caleb Hammer?

  Yeah, you're still affirming.

• 1:26:04Speaker 04

  Okay, so we had like a whole family trip. There's like thirteen people that were supposed to go on this trip.

• 1:26:09Caleb Hammer?

  Supposed to go?

• 1:26:10Speaker 04

  Yes. The only people that ended up going were us two and his parents.

• 1:26:16Caleb Hammer?

  So cancel!

• 1:26:17Speaker 04

  But it was too far into it to get any kind of refund on the, on the Airbnb.

• 1:26:22Speaker 05

  Yeah, we would've saved, yeah, we would've saved a lot.

• 1:26:24Caleb Hammer?

  You would've saved like?

• 1:26:25Speaker 05

  Not going, but instead we still went and spent that money.

• 1:26:28Caleb Hammer?

  What's your balance on a firm?

• 1:26:30Speaker 04

  I, I have two more payments left on it. So like fifty-eight dollars.

• 1:26:34Caleb Hammer?

  Yeah, I'm gonna call sixty bucks and it's twenty-eight oh nine.

• 1:26:40Caleb Hammer?

  Hey man, so stupid. The interest you paid on that is the dumbest stupid thing ever in the world. In the world.

• 1:26:50Speaker 04

  I also, there's another credit card in there. I don't know if he's, I don't think you sent it, the academy. Credit card.

• 1:26:56Caleb Hammer?

  Ah!

• 1:26:58Speaker 05

  Pretty sure I did send that to you. I'm pretty sure I did send that to you, but I'm assuming you didn't send it to him, so.

• 1:27:06Caleb Hammer?

  Are you just like collecting them? Okay, can someone pull it up?

• 1:27:09Speaker 05

  Yes.

• 1:27:09Caleb Hammer?

  For the fifth time? What, you said it's academy?

• 1:27:12Speaker 05

  Yeah.

• 1:27:29Speaker 04

  Are you autistic?

• 1:27:30Caleb Hammer?

  Probably.

• 1:27:31Speaker 04

  Okay.

• 1:27:33Caleb Hammer?

  I'm probably-

• 1:27:34Speaker 04

  I'm genuinely, I'm genuinely just curious.

• 1:27:35Caleb Hammer?

  I'm probably autistic. I probably have the-

• 1:27:38Speaker 04

  It probably just missed you, just grazed-

• 1:27:40Caleb Hammer?

  I'm, I'm the full collection. I'm probably palleted up. I'm, I'm a sampler of mental.

• 1:27:48Caleb Hammer?

  Well, they looked this up. Sad news in the financial auto family. Two of the three fish jumped out.

• 1:27:58Caleb Hammer?

  They died.

• 1:28:01Speaker 04

  Yeah, we, she had told us when we came in, Lindsay told us about it. Uh, my theory was that they, they thought that you were yelling at them, and so they killed themselves.

• 1:28:12Caleb Hammer?

  Okay, here, these are living things you're joking about.

• 1:28:14Speaker 04

  Yeah.

• 1:28:15Caleb Hammer?

  You beast. Okay, the interest is a crazy, oh, what, what even, what even on this card, huh? Can someone tell me?

• 1:28:24Speaker 05

  Uh, I believe that was, uh, one of those Christmas gift things.

• 1:28:28Caleb Hammer?

  Four hundred fifty dollars, one cent, minimum payment thirty dollars, eighteen months of payoff, you stupid. It's just stupid. It's dumb, it's stupid. Okay, okay, what is, what is it? What am I seeing here? This is more affirm? This is additional affirm?

• 1:28:42Speaker 04

  I think that's the same one.

• 1:28:44Caleb Hammer?

  Good. Okay, what is this? What is eleven thousand, nine hundred ninety-seven dollars and forty-four cents?

• 1:28:49Speaker 05

  That would be part of the home loan, I believe.

• 1:28:51Speaker 04

  That's part of, yeah, that's part of-

• 1:28:52Caleb Hammer?

  What is this home situation? Is it a mobile home?

• 1:28:53Speaker 05

  So, the, the home-

• 1:28:56Caleb Hammer?

  So cheap.

• 1:28:56Speaker 05

  It was my, uh, it was my aunt and uncle's home. And they ended up going to stay with my cousin, and while they were there in Virginia, they ended up getting sick and passing away. My cousin sold the home to us. For very cheap like fifty thousand. And so. Instead of getting a like a a loan ourselves, my parents offered to help us with it and got the loan for us. And so now we're just paying their loans for them.

• 1:29:25Caleb Hammer?

  Okay, three hundred thirty-three dollars eighty-one cents a month on this one.

• 1:29:28Speaker 04

  No, no, no, that's it's every pay period.

• 1:29:32Caleb Hammer?

  Twice a month?

• 1:29:32Speaker 04

  Hmm.

• 1:29:33Caleb Hammer?

  Oh, oh.

• 1:29:35Speaker 04

  It's six sixty-seven.

• 1:29:39Speaker 04

  Um.

• 1:29:40Caleb Hammer?

  Cause I'm running our fucking ledgers here.

• 1:29:44Caleb Hammer?

  Okay, you're eleven thousand nine hundred ninety-seven forty-four. What's the interest?

• 1:29:48Speaker 04

  I think it's like s- uh, seven percent.

• 1:29:52Caleb Hammer?

  Oh, okay.

• 1:29:54Speaker 04

  But that's only half of it. The other.

• 1:29:57Caleb Hammer?

  What's the other half? Is this the other half?

• 1:29:58Speaker 05

  Yes, that's the other half.

• 1:29:59Caleb Hammer?

  For fuck's sake, I'm out of, okay, I'm out of fucking ledgers. Okay, so this other one is ten thousand seven hundred nine dollars and eighty-two cents. The minimum payment of four hundred eleven, right?

• 1:30:13Speaker 04

  Yes.

• 1:30:14Caleb Hammer?

  Okay, interest?

• 1:30:15Speaker 04

  Um, that one is ten.

• 1:30:19Speaker 05

  I think so.

• 1:30:20Caleb Hammer?

  What is this for?

• 1:30:21Speaker 04

  Our home.

• 1:30:22Caleb Hammer?

  It's the same thing?

• 1:30:23Speaker 04

  Yes.

• 1:30:23Caleb Hammer?

  You have to split it up in two?

• 1:30:24Speaker 04

  So his mom got a 401K loan out and we pay her every month for it and then he, his dad got a resource one loan.

• 1:30:34Speaker 04

  And we pay the other portion of it on to him.

• 1:30:38Caleb Hammer?

  This is so weird.

• 1:30:40Speaker 04

  It is very weird. I will, yeah, it's super weird.

• 1:30:43Caleb Hammer?

  How is there more debt?

• 1:30:45Speaker 04

  That is my uh, loan for the consolidation.

• 1:30:49Caleb Hammer?

  Interest?

• 1:30:50Speaker 04

  That one's like thirty percent, I believe.

• 1:30:52Caleb Hammer?

  Ah!

• 1:30:54Speaker 04

  Yeah, that one's bad.

• 1:30:55Caleb Hammer?

  Sake, minimum monthly payment, three thirty, eight thirty-three. I think you guys are.

• 1:31:01Caleb Hammer?

  Think you guys are. Six thousand seven hundred fourteen dollars and twenty-five cents. If I flip this, is there gonna be more?

• 1:31:09Speaker 04

  More loans? He has a loan as well.

• 1:31:13Caleb Hammer?

  Sake, for what?

• 1:31:14Speaker 04

  For the consolidation.

• 1:31:21Caleb Hammer?

  Lindsay, can I have my pen? I accidentally just threw it out of rage. I don't know what my body does when I'm upset. Thank you Lindsay.

• 1:31:30Speaker 04

  Do you feel safe? Yeah. Okay.

• 1:31:34Speaker 04

  I feel safe, yeah.

• 1:31:37Caleb Hammer?

  What the f**k am I looking at? What is a thousand five hundred twenty-six dollars a month?

• 1:31:42Speaker 04

  So this is, no, no, that's not, that's what's left.

• 1:31:45Caleb Hammer?

  Oh, thank you.

• 1:31:45Speaker 04

  That's what's left.

• 1:31:47Caleb Hammer?

  I guess I'm gonna start writing on this f**king page, cuz this is insane. What is this car?

• 1:31:52Speaker 04

  So I got this car in 2018, and my boyfriend at the time co-signed for me on the car, and I got into an accident in the car, but I didn't have insurance at the time. It was a, it was a single car accident.

• 1:32:07Caleb Hammer?

  Why?

• 1:32:08Speaker 04

  Why what?

• 1:32:09Caleb Hammer?

  Didn't you have insurance, you tit?

• 1:32:11Speaker 04

  My parents took me off of the insurance.

• 1:32:13Caleb Hammer?

  So get your own insurance.

• 1:32:15Speaker 04

  But I didn't know, I didn't, I thought I had it. Tell me that I wasn't on it.

• 1:32:20Caleb Hammer?

  You guys can't do anything. You're incapable of anything.

• 1:32:24Speaker 04

  Eighteen years old.

• 1:32:25Caleb Hammer?

  Oh wow, you're an adult that has adult responsibilities like everyone else at eighteen. I don't give a f**k.

• 1:32:31Speaker 04

  I don't know how that's avoidable if I didn't know I wasn't on the insurance.

• 1:32:34Caleb Hammer?

  I don't know, that's just your word, but you didn't know you're missing a payment, you didn't know you're missing fifty payments, you didn't know you're making purchases on this card, you didn't know you went into the dollar store. What do we know? We don't know anything! So I can't believe you.

• 1:32:44Speaker 04

  I do feel-

• 1:32:45Caleb Hammer?

  Okay, so what? You got in an accident, no insurance, did it total it?

• 1:32:49Speaker 04

  It totaled the car.

• 1:32:50Caleb Hammer?

  Oh, you still-

• 1:32:50Speaker 04

  So, I didn't want it to

• 1:32:54Speaker 04

  my credit or his credit, so I have just continued paying on it, and this is the remaining balance of what's left on the car.

• 1:33:02Caleb Hammer?

  I'm getting f**king pen markers on my f**king clothes. Balls out pen marks?

• 1:33:12Caleb Hammer?

  So dead car, we still owe on it, huh?

• 1:33:15Speaker 04

  Yes.

• 1:33:16Caleb Hammer?

  You just scrap it at least?

• 1:33:18Speaker 04

  No, it's sitting at his dad's.

• 1:33:19Caleb Hammer?

  Scrap it? Why? Why is it sitting there?

• 1:33:22Speaker 04

  Um, I think... I just don't know anything about, like, I don't know anything about it.

• 1:33:27Speaker 05

  It honestly does need to be scrapped. We just haven't yet.

• 1:33:30Caleb Hammer?

  Okay, what's the interest? Doesn't matter, it's almost paid off, I guess, so.

• 1:33:34Speaker 04

  The interest was nine percent, I believe.

• 1:33:36Caleb Hammer?

  Okay, so three seventy a month, right?

• 1:33:38Speaker 04

  Um, it's two sixty-two.

• 1:33:40Caleb Hammer?

  Okay, you're paying more on it?

• 1:33:42Speaker 04

  Uh, no, so, there, I didn't know this when I was younger, but if you defer the, a payment, it goes to the back of the loan. So, there was this-

• 1:33:52Caleb Hammer?

  Where'd you think it went?

• 1:33:54Speaker 04

  Well, I just thought that it, I don't know what I thought, truly.

• 1:33:57Caleb Hammer?

  Deferred, it went away?

• 1:33:58Speaker 04

  And, um, I just thought it increased my loan by a couple months.

• 1:34:02Caleb Hammer?

  I'm moving on, cause, me. Oh my gosh, we have debt to each other's parents?

• 1:34:07Speaker 04

  Yes.

• 1:34:09Caleb Hammer?

  Okay, to Brandon's parents, seventeen fifty, for what?

• 1:34:13Speaker 05

  That was for our property taxes.

• 1:34:20Speaker 04

  So, we, like, in the beginning of the episode, when we said that we get our bonuses, we get bonuses on top of what we make. My bonus last year was like sixteen hundred and fifty dollars, and he was gonna get one for the first time this year. So, we fully expected to get that money to pay our taxes with, and then our bonuses ended up only being six hundred dollars.

• 1:34:43Caleb Hammer?

  There you go, don't rely on bonuses, lesson learned. Do you pay Brandon's parents monthly?

• 1:34:48Speaker 04

  Uh, they want us to pay them in full.

• 1:34:51Caleb Hammer?

  Why?

• 1:34:52Speaker 04

  They just-

• 1:34:53Speaker 05

  I, I asked, I asked my dad if, um, if he wanted me to just get, start making a, get on a payment plan with him, and just start paying it to him, and he said, "Do you think you could save it up?" I was like, "Yeah," and he's like, "Okay, well just save it up and just give it all to me when you can."

• 1:35:08Caleb Hammer?

  Okay, to your parents, we owe fifteen hundred, for what?

• 1:35:12Speaker 04

  Um, that was towards the wedding.

• 1:35:20Caleb Hammer?

  Why'd you have a wedding that you couldn't afford? So great start to the marriage. One of the leading causes of her divorce in this country is And money! So we start marriage with debt? Well done. Is there a minimum monthly on this?

• 1:35:33Speaker 04

  Uh, no. Just...

• 1:35:36Caleb Hammer?

  So no progress, great.

• 1:35:37Speaker 04

  Well, I have paid money towards it.

• 1:35:39Caleb Hammer?

  What was it?

• 1:35:40Speaker 04

  Um, it was 2,000, so I have paid some money towards it.

• 1:35:43Caleb Hammer?

  Course of a year?

• 1:35:48Caleb Hammer?

  Is that all the debt?

• 1:35:50Caleb Hammer?

  I believe-

• 1:35:50Speaker 04

  No, no. Remember, um, we have toll-

• 1:35:54Speaker 05

  See a checking account? We do have, we do have toll bills we completely forgot to send in.

• 1:36:00Speaker 04

  And we had a thousand dollars-

• 1:36:02Caleb Hammer?

  What about a Mustang? They're telling me about a Mustang.

• 1:36:04Speaker 04

  Oh yeah, we have two cars.

• 1:36:05Caleb Hammer?

  Two more loans?

• 1:36:07Speaker 04

  Yes.

• 1:36:08Caleb Hammer?

  Guys! What are we doing? I'm never gonna leave here! I wanna go home! It's the end of the day! What are you guys doing to me? It's five! Pull up one of the loans!

• 1:36:21Speaker 05

  Yeah, I sent those two or two.

• 1:36:23Caleb Hammer?

  Lady, what are you doing? You're in ca- this is why I can't trust you about the insurance. You can't even send half the statements.

• 1:36:32Speaker 04

  Did you actually send me the actual statements or was it screenshots for those?

• 1:36:35Speaker 05

  Uh, it was screenshot. His resource one is just like that, but here you go. There's the two. Right there.

• 1:36:44Caleb Hammer?

  These better not be substantial, I'm gonna-

• 1:36:46Speaker 04

  They are.

• 1:36:47Caleb Hammer?

  Oh my-

• 1:36:48Speaker 05

  The first one's $12,000.

• 1:36:50Caleb Hammer?

  Okay, what's this first one? It's a Mustang, 2016! Here, so someone's running around like a fucking douchebag? It's real, $12,822.92. I'm guessing you're the Mustang. What's the interest?

• 1:37:06Speaker 05

  Uh, 2.7%. I re- that was with, uh, after I refinanced it.

• 1:37:10Caleb Hammer?

  It's not bad. Minimum payment, 538, 26?

• 1:37:17Caleb Hammer?

  What's it worth?

• 1:37:18Speaker 05

  Um, I think Blue Book says like sixteen.

• 1:37:21Caleb Hammer?

  I'm getting higher, nineteen.

• 1:37:23Speaker 05

  Oh, sweet. Um, but yeah, I've looked on Marketplace just to kind of see what other people are going for, because I've kind of debated on selling it.

• 1:37:31Caleb Hammer?

  You're selling it. You're not debating, you're selling it.

• 1:37:37Speaker 04

  We also have another vehicle.

• 1:37:38Caleb Hammer?

  Yeah, I see that.

• 1:37:39Speaker 04

  No, additional.

• 1:37:42Speaker 04

  It's paid for, it's paid off.

• 1:37:43Caleb Hammer?

  Well, what is it?

• 1:37:44Speaker 05

  Uh, it's a two thousand Chevy truck.

• 1:37:47Caleb Hammer?

  Oh, two thousand, what's it worth?

• 1:37:48Speaker 04

  Probably like four grand.

• 1:37:50Caleb Hammer?

  What, sell it! You can't survive!

• 1:37:52Speaker 04

  We don't have a title.

• 1:37:53Caleb Hammer?

  I don't get.

• 1:37:55Caleb Hammer?

  Uh.

• 1:37:55Speaker 04

  We could get a mechanic's lien on it, I think, and get like a mechanic's lien title, but it's not gonna be a clean title. So I think that would diminish the value as well.

• 1:38:03Caleb Hammer?

  Whatever you can do, whatever you can do.

• 1:38:04Speaker 05

  Well, my idea.

• 1:38:05Caleb Hammer?

  Get the money, scrap it even, I don't give a.

• 1:38:07Speaker 05

  My idea on the situation is, you know, I said I was debating on selling the Mustang, I was thinking about selling the Mustang, and then, you know, that'll get rid of seven hundred dollars a month right there, just in payments and insurance, and then

• 1:38:20Caleb Hammer?

  Oh, fuck.

• 1:38:20Speaker 05

  could just, just daily drive the truck.

• 1:38:22Caleb Hammer?

  Well, do that.

• 1:38:23Speaker 05

  Because.

• 1:38:23Caleb Hammer?

  If it's, if it's in okay condition?

• 1:38:25Speaker 05

  The truck, it's in good condition.

• 1:38:26Caleb Hammer?

  Then do that!

• 1:38:27Speaker 05

  It needs a little bit of work, but.

• 1:38:28Caleb Hammer?

  Then do that!

• 1:38:29Speaker 05

  So that's, yeah, I'm.

• 1:38:31Caleb Hammer?

  Okay, I'm fucking kill both. Four hundred ninety-five dollars and eighty-two cents is the minimum payment of the twenty-four thousand, three hundred and fifty-one, what's it worth?

• 1:38:39Speaker 04

  I think it's about the same as what? Like, I think it's like twenty-one.

• 1:38:42Caleb Hammer?

  Nineteen thousand, you are underwater by five.

• 1:38:47Caleb Hammer?

  You're above water by five, she's underwater by five, cancels each other out, sell the car, drive the other car, put it into this loan, there we go. Then sell it, because you can get nineteen, you get the remainder of his from his previous sale, boom, you've paid off the car, go get a ten thousand dollar car loan on a ten thousand dollar car, to save you fifteen thousand dollars. It's not an argument, it's not a conversation, fuck you, that's it. Did you say there was another loan, or was that it? You said tolls?

• 1:39:12Speaker 04

  Yeah.

• 1:39:12Speaker 05

  Yeah, we do have tolls.

• 1:39:13Caleb Hammer?

  Oh, my fuck! What do we owe in tolls, guys? This is never ending!

• 1:39:17Speaker 04

  So, we had a toll, we got a toll tag, because when we got my car, he.

• 1:39:22Caleb Hammer?

  What do we owe on tolls?

• 1:39:24Speaker 04

  Uh, fifteen.

• 1:39:25Caleb Hammer?

  I don't give a about the stories at this point.

• 1:39:27Speaker 04

  Uh, fifteen hundred on, on tolls.

• 1:39:29Caleb Hammer?

  Oh!

• 1:39:32Speaker 04

  And then an additional three hundred.

• 1:39:35Speaker 05

  Fifteen hundred on her car, three hundred on mine.

• 1:39:40Caleb Hammer?

  Eighteen hundred dollars, that's just so fucking dumb.

• 1:39:45Speaker 04

  And I also have student loan debt.

• 1:39:46Caleb Hammer?

  Are you just?

• 1:39:49Caleb Hammer?

  How much?

• 1:39:50Speaker 04

  Ten thousand.

• 1:39:51Caleb Hammer?

  And are we paying?

• 1:39:52Speaker 04

  No, I don't know. I don't know anything about it.

• 1:39:55Caleb Hammer?

  Well, I can make a call!

• 1:39:58Speaker 04

  I don't know anything about it.

• 1:39:59Caleb Hammer?

  Make a call!

• 1:40:02Speaker 04

  I'm not paying on it, currently.

• 1:40:05Caleb Hammer?

  By choice?

• 1:40:06Speaker 04

  Like, there's no, I don't have, they haven't reached out to me.

• 1:40:08Caleb Hammer?

  When did you graduate?

• 1:40:10Speaker 04

  I didn't.

• 1:40:11Caleb Hammer?

  When did you finish? When was your last school?

• 1:40:14Speaker 04

  Uh, twenty twenty.

• 1:40:15Caleb Hammer?

  Yeah, you owe money. Okay?

• 1:40:18Speaker 04

  Okay.

• 1:40:20Caleb Hammer?

  Might be, it might be held up in the courts with a defer- what?

• 1:40:24Speaker 04

  The school I went to, like, um, like-

• 1:40:27Caleb Hammer?

  Is it being challenged?

• 1:40:28Speaker 04

  Closed.

• 1:40:28Caleb Hammer?

  Is it, is it being challenged?

• 1:40:29Speaker 04

  I think so.

• 1:40:30Caleb Hammer?

  If it's being challenged, that's why it's probably on hold. It might be forgiven, it might not be, I don't know. Two thousand in the checking account, okay. Why is it just two thousand? Oh, okay, cuz here we go.

• 1:40:40Speaker 04

  And we also-

• 1:40:40Caleb Hammer?

  Let's see, let's find out. What?

• 1:40:42Speaker 04

  We also-

• 1:40:42Caleb Hammer?

  Well, it started with a hundred eighty, so I doubt that two thousand's normal. What?

• 1:40:45Speaker 04

  We, we owe the, we owe the IRS. Not, not back.

• 1:40:55Caleb Hammer?

  What?

• 1:40:56Speaker 04

  A thousand dollars.

• 1:40:58Caleb Hammer?

  Fuck's sake, why?

• 1:41:00Speaker 04

  Um, so, he, when he got his, uh-

• 1:41:02Caleb Hammer?

  You've used, you've more pages?

• 1:41:05Speaker 04

  When-

• 1:41:06Caleb Hammer?

  Anyone? Are you on a payment plan?

• 1:41:08Speaker 04

  It's paid for, now it's paid for.

• 1:41:10Speaker 05

  We, we just paid it yesterday.

• 1:41:12Speaker 04

  Um-

• 1:41:12Caleb Hammer?

  Are you on a payment plan?

• 1:41:14Speaker 04

  No, we plan on paying it in full.

• 1:41:16Caleb Hammer?

  If you have money, sure! Great, so IRS, thousand dollars, interest and fees are probably current. What was it for?

• 1:41:23Speaker 05

  It was for our taxes, our tax-

• 1:41:24Speaker 04

  Like-

• 1:41:24Caleb Hammer?

  When? What taxes?

• 1:41:26Speaker 04

  This year.

• 1:41:27Caleb Hammer?

  Last year?

• 1:41:27Speaker 04

  Yes.

• 1:41:28Speaker 05

  Or this past year, yes.

• 1:41:29Caleb Hammer?

  Okay, checking account, oh, wait.

• 1:41:33Caleb Hammer?

  So fucking just immature McDonald's, Taco Bell, fucking going in and getting some bull scorpion quill, bull McDonald's, Solman's, Apple Bell, McDonald's, CC's Pizza, Sweetwater, Sweetwater, Prom Store, Chick-fil-A, oh Sonic, Whataburger, Apple Bell, Microsoft, McDonald's, Peddlers, Amazon, Sonic! This is so fucking stupid! Uh, M-F-M Spec O-F.

• 1:42:10Caleb Hammer?

  I doubt that kind, I don't know. Going and getting some bull sh- Apple Bell, Amazon, McDonald's, Microsoft, Apple Bell, Sonic, Domino's, Amazon, Amazon! What the fuck are we fucking doing? What the fuck going in and getting some bull, going in and getting some bull, Sonic and Amazon and Apple Bell and Netflix and Roku for Peacock, fucking Peacock! Apple Bell, Scorpion Quill, Encantos, Apple-

• 1:42:39Speaker 00

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• 1:43:05Caleb Hammer?

  Apple Bell, Apple Bell, wah, going in and getting some bull, selling our money, who knows where and when, we sold, we sold, we sold, we sold! Oh, Zellen, saving 600, okay, what are we doing? That's insane!

• 1:43:22Speaker 05

  All of the Zells are coming in, that's from me going to the shop and helping to make more money.

• 1:43:27Speaker 04

  Well, no, we pay his parents through Zell.

• 1:43:29Caleb Hammer?

  Incorrect!

• 1:43:30Speaker 05

  We do pay, we pay our mortgage through Zell, we send them the money.

• 1:43:32Caleb Hammer?

  Then no, it fucking wasn't.

• 1:43:34Speaker 05

  Sorry, I thought that's what you were talking about.

• 1:43:37Caleb Hammer?

  Jeez guys, is that fucking it? Can that please be it? You don't even have retirement?

• 1:43:42Speaker 05

  Mm-mm.

• 1:43:43Caleb Hammer?

  God, you fucking s-

• 1:43:44Speaker 04

  I do have a retirement, but it's really insubstantial.

• 1:43:47Caleb Hammer?

  What is it?

• 1:43:48Speaker 04

  Like, two grand.

• 1:43:49Caleb Hammer?

  Well, when you're ready, we'll get you set up with the Mumu app, but for fuck's sake. This is just, I don't know, I just don't know. Like, there's not gonna be anything left over to-

• 1:44:05Caleb Hammer?

  Oh my fucking guys. Oh my f- guys? Oh my fucking tits. You're tittin' me, dude?

• 1:44:15Speaker 05

  Didn't expect to envision that one today.

• 1:44:18Caleb Hammer?

  So many numbers, we don't even know if it's gonna add up right in the end. We're about to find out. This is fucking crazy.

• 1:44:23Speaker 04

  That's probably why I don't ever get it right.

• 1:44:25Caleb Hammer?

  Well, maybe you could take a little more time, but we don't have as much.

• 1:44:31Caleb Hammer?

  You have all the time in the fucking world to fix your sh-

• 1:44:35Caleb Hammer?

  Ah, it's gonna be close, but... Is that right? It's not 4,000, is it? Your debt minimum monthly's? No, let me redo this.

• 1:44:46Speaker 04

  If you're including our mortgage, then probably so, and our cars.

• 1:44:50Caleb Hammer?

  I gotta redo that, cuz that just sounds insane.

• 1:44:56Caleb Hammer?

  Oh my f- okay. Debt minimum monthly's, $3,350.17. What the f- Utilities, how much?

• 1:45:07Speaker 04

  About 3.50.

• 1:45:10Caleb Hammer?

  Internet, is that included in that? Gas that you both use for driving, vroom, vroom, drive, drive.

• 1:45:16Speaker 05

  Well, luckily, since we work from-

• 1:45:17Caleb Hammer?

  How much?

• 1:45:18Speaker 05

  Um, I would say-

• 1:45:20Speaker 04

  2.50.

• 1:45:21Speaker 05

  A month, yeah.

• 1:45:22Caleb Hammer?

  Car insurance is combined?

• 1:45:24Speaker 04

  5.30.

• 1:45:25Caleb Hammer?

  Food, 600. Use the cookbook. Again, everyone that gets a premium version of the mobile app, I'll sign you a personal cookbook and send it directly to your doorstep. You get it, for free. TP fund, 200 dollars. Anything else you need, makeup, whatever, shampoo, tampons, you got it.

• 1:45:46Caleb Hammer?

  Medical healthcare, anything on a monthly basis?

• 1:45:48Speaker 04

  Uh, yeah, well, for, at least for the next three months, I have at least 120 dollars of prescriptions every month.

• 1:45:56Caleb Hammer?

  Pets?

• 1:45:57Speaker 04

  Three dogs.

• 1:45:58Caleb Hammer?

  Oh, me. Me, health and ages?

• 1:46:02Speaker 04

  They're all in good health. One's one, the other one's two and a half, and then the other one is seven, right, seven?

• 1:46:09Caleb Hammer?

  So I don't know about the seven year old, but we'll do at least eighty dollars for the other two in pet insurance on a monthly basis. Pet food, how much?

• 1:46:15Speaker 05

  I would say about thirty dollars every, forty dollars every two weeks, maybe?

• 1:46:20Caleb Hammer?

  Eighty bucks, okay. Uh, Jim?

• 1:46:23Speaker 05

  Yes.

• 1:46:24Caleb Hammer?

  How much?

• 1:46:25Speaker 05

  I believe it is forty a month.

• 1:46:29Caleb Hammer?

  Anything else that needs to be in here that I have not taken into account?

• 1:46:31Speaker 04

  Our phone bills.

• 1:46:32Caleb Hammer?

  Oh, how much?

• 1:46:33Speaker 04

  Uh, two thirty-six.

• 1:46:35Caleb Hammer?

  Why?

• 1:46:36Speaker 04

  We have Verizon.

• 1:46:38Caleb Hammer?

  Their finance?

• 1:46:39Speaker 04

  Yeah, and their finance.

• 1:46:40Caleb Hammer?

  When they're not financed, which the fucking helium same towers is T-Mobile, so it's cheaper, dude. Just fucking do it, don't be a tit. But until then, what was your phone bill one more time?

• 1:46:49Speaker 04

  Two thirty-six.

• 1:46:51Caleb Hammer?

  Guys, I think you still have somehow wiggle room, not much. You need five thousand eight hundred thirty-six dollars and seventeen cents on a monthly basis. You guys are fucking lucky, especially the cheap living situation. I'm not taking baby costs into account, to be very clear. So you probably will just be breaking even if that, when that happens, but we, when, when's the kid?

• 1:47:13Speaker 04

  July.

• 1:47:14Caleb Hammer?

  Okay, so we have a little bit of time.

• 1:47:17Speaker 04

  But that's including like with our car payments if we

• 1:47:22Caleb Hammer?

  Yes, exactly.

• 1:47:23Speaker 04

  If we didn't sell the car.

• 1:47:24Caleb Hammer?

  Exactly, which you will, then you'll have a ten thousand hour car that eliminate some of the car insurance, Mustang, obviously higher car insurance. And we're talking minimum to payments close to like seven hundred in the seven hundreds. Um, like seven fifty, so we'll get the minimum to payments down to like three hundred, because you're gonna get a ten thousand hour car loan. But even still, I just want to do an example. You have an extra three sixty-three, right?

• 1:47:50Caleb Hammer?

  Your debt was like a hundred five thousand? This is if you did nothing. Takes 399 months to pay off the debt with the situation and the spending that you guys have gotten yourself in and that spending hasn't slowed down. You spent 1800 hours more. Than you made. Takes 33 years to pay off this debt. You guys can get that down, much further down. Take care of those cars, limit the minimum of the payments, throw all your debts towards it. It's still probably gonna be at least like a decade process, especially with the expenses of the kid coming up. But it is worth it for the sake of your kid because your kid will be 10 and then you can live the best life ever. Okay? You guys just have to do this. Take all of our classes, especially the debt and budgeting ones first, the investing ones eventually. Okay? The real estate one eventually. Download the budgeting app, use that, use the resource, you get it free forever.

• 1:48:36Caleb Hammer?

  Don't go around, there is no more time. You guys have put it to the worst. If you go more from here, you're done. You're done. You've hit the limit. It's time to buckle down, sell the cars, take out that loan. Buckle down, change the behavior and do not fuck up. And prove to me you've done it by coming onto the financial auto follow up channel. Okay, hammer financial score. What's the value of the house?

• 1:49:02Speaker 04

  127.

• 1:49:04Caleb Hammer?

  Okay, real estate score, it's a weird situation, complicated. I'll give you a 6 out of 10. Retirement, I'll give you a 1 out of 10. Emergency fund, 1 out of 10. Debt, 0 out of 10. That is a fucking gets IRS spending, you overspent, 0 out of 10. Real estate is gonna be what carries you, but it's a weird situation.

• 1:49:24Caleb Hammer?

  Hammer financial score. For now. It's gonna be a 2 point. Let me make sure I did that math.

• 1:49:35Caleb Hammer?

  No, 1.5 out of 10.

• 1:49:38Caleb Hammer?

  Sorry, one second.

• 1:49:42Caleb Hammer?

  Yeah, 1.5 out of 10. Guys, join us for the post-show. Join below and if you want even more content and we upload every single day with all of these exclusive shows, thousands of hours extra content for Hammer Elite and it really helps support this channel and it is the best YouTube membership proven, proven by the platform on the entire platform of YouTube. So check that out and join us in the post-show. It's great. Hundreds of hours of content uploaded on a monthly basis, thousands of hours already there for you guys to binge. You can't gamble. You have 30 years to pay after staying. You're [bleep] gambling all your money away. What the [bleep] happening, guys? That's not okay.

• 1:50:18Speaker 04

  I went a lot of the time.

• 1:50:19Caleb Hammer?

  No, you don't. If you did, we wouldn't have so much [bleep] debt. I just don't understand why that's fun for you. Spending your money to press a [bleep] COD Call of Duty with your friends is so fun, but... I don't have to spend money if I turn an Xbox on. That's $12?

• 1:50:32Speaker 04

  So you can look at Sabrina Carpenter on Fortnite.

• 1:50:34Caleb Hammer?

  That's $12?

• 1:50:34Speaker 06

  To watch the Financial Audit Post-Show, click the "Join" button below.

• 1:50:39Speaker 00

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