Financial Audit’s Thirstiest Guest

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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

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• 0:36Speaker 01

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• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I kind of wanted to discover what's going on with the audience at this time. So I am going in blind. I know nothing.

• 1:05Speaker 03

  I decided to come here because I saw you on Hinge Six.

• 1:08Caleb Hammer?

  Are you kidding? The is that?

• 1:12Speaker 03

  I mean, I

• 1:14Caleb Hammer?

  You kidding me?

• 1:16Speaker 03

  I wish I was kidding.

• 1:16Caleb Hammer?

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

• 1:36Speaker 03

  Hi, my name's Carly. I'm 27. I live in Austin, Texas, and this is Financial Audit.

• 1:43Caleb Hammer?

  Thanks for coming in. What do you do for a living here in Austin?

• 1:46Speaker 03

  So I do social media support for a bank.

• 1:50Caleb Hammer?

  For a bank, okay. Are those huge social media pages, banks? Who's following the banks?

• 1:55Speaker 03

  Um.

• 1:55Caleb Hammer?

  Interesting. Okay.

• 1:56Speaker 03

  Yeah.

• 1:56Caleb Hammer?

  How much are you making?

• 1:57Speaker 03

  So I bring in around 56 before taxes. It's about 3,400 every month total.

• 2:06Caleb Hammer?

  Net, as I was heading that? How are we living in Austin on that? How does that feel?

• 2:10Speaker 03

  Um, it feels okay.

• 2:11Caleb Hammer?

  Yeah.

• 2:12Speaker 03

  Um, there are, it feels a little bit better when it's a three paycheck month. Or it feels a little bit better when I get a stock payout.

• 2:19Caleb Hammer?

  So you're bi-weekly, it's not semi-monthly. So sometimes you get the little three, the little

• 2:23Speaker 03

  Right.

• 2:23Caleb Hammer?

  Special three, okay.

• 2:24Speaker 03

  Yeah, yeah, yeah.

• 2:25Caleb Hammer?

  What's your rent?

• 2:26Speaker 03

  Um, my rent is thirteen hundred after.

• 2:30Caleb Hammer?

  A little expensive. After what?

• 2:32Speaker 03

  After pest control, pet fees, uh, water, sewage. That's all included in the thirteen hundred.

• 2:40Caleb Hammer?

  Okay, so after the normal rent stuff that isn't everyone's rent?

• 2:43Speaker 03

  Yeah.

• 2:43Caleb Hammer?

  Okay, well.

• 2:44Speaker 03

  I think it's like eleven eighty-nine before you add all that stuff in, but.

• 2:48Caleb Hammer?

  Yeah.

• 2:50Caleb Hammer?

  Okay, yeah, I mean, thirty-six, we're stretching at thirty-six percent of your income.

• 2:55Speaker 03

  Yeah.

• 2:55Caleb Hammer?

  So definitely stretching up, but you know, for the Austin area, that percentage isn't the most horrendous, that's for sure. So what is going on? I'll be honest, I'm going in a little blind, a little more blind right now.

• 3:06Speaker 03

  Okay.

• 3:07Caleb Hammer?

  We wanted to just test a little thing and I'm curious, uh, why, just like, I'm like, you know, I kind of want to discover what's going on with the audience at this time, so I am going in blind. I know nothing about you.

• 3:19Speaker 03

  Okay.

• 3:20Caleb Hammer?

  What the is going on?

• 3:22Speaker 03

  I feel like with my income, I should be in a better place than I am. And I know a lot of that has to do with me spending excessively, mostly on fast food and.

• 3:32Caleb Hammer?

  We can't be doing that, man.

• 3:33Speaker 03

  Yeah, I know. And so.

• 3:35Caleb Hammer?

  I'm sup- listen, I'm assuming if you're on this show.

• 3:38Speaker 03

  Mm-hmm.

• 3:39Caleb Hammer?

  I'm assuming if there is a chunk of paperwork in front of me.

• 3:42Speaker 03

  Yeah.

• 3:42Caleb Hammer?

  We got debt. Do I know your debt? No, because again, self-discovery process on this.

• 3:48Speaker 03

  Yep.

• 3:48Caleb Hammer?

  I don't know you. When we're going and we're just spending.

• 3:53Speaker 03

  Mm-hmm.

• 3:53Caleb Hammer?

  Out, what are you doing? What does this look like? Is this a daily occurrence? What is our life? I mean, we're about to find out, so don't both me.

• 4:00Speaker 03

  Yeah, so, uh, specifically for them, the December month that I sent you all my, all my spending. Um, I had just recently, I've just recently moved. And so, um, my kind of excuse was that all my pots and pans are packed in boxes and so, um, let me just DoorDash here, let me just stop at McDonald's here, let me stop at Taco Bell there. Um, because all of my stuff was packed in boxes and so.

• 4:29Caleb Hammer?

  Why do you?

• 4:31Speaker 03

  Because I'm lazy.

• 4:32Caleb Hammer?

  Okay, you're self-confessed lazy.

• 4:35Speaker 03

  Yes.

• 4:35Caleb Hammer?

  So what does this look like? Do you have something in your mouth? What is happening?

• 4:37Speaker 03

  Oh, it's a cough drop.

• 4:39Caleb Hammer?

  You sick?

• 4:40Speaker 03

  I was, but I'm doing better.

• 4:42Caleb Hammer?

  When?

• 4:43Speaker 03

  Um, like last week.

• 4:45Caleb Hammer?

  With what?

• 4:46Speaker 03

  I'm not contagious.

• 4:47Caleb Hammer?

  With what?

• 4:48Speaker 03

  It was like a sinus infection.

• 4:51Speaker 03

  I'm okay.

• 4:52Caleb Hammer?

  So you say you go out to eat all the time?

• 4:55Speaker 03

  Uh huh. Oh, I'm scared.

• 4:57Caleb Hammer?

  Why? Why would you be scared?

• 4:58Speaker 03

  I don't know. That's a big red.

• 5:00Caleb Hammer?

  Why would you be scared?

• 5:02Speaker 03

  Because I know it's a lot. And I know that I I have the ability to cook.

• 5:07Caleb Hammer?

  What else do you do a lot?

• 5:10Speaker 03

  Um.

• 5:12Speaker 03

  I go to Michael's a lot.

• 5:15Speaker 03

  Because I live right next door to Michael's, so I do frequent. Uh. The craft store often.

• 5:24Caleb Hammer?

  Uh huh. Why? Well, how much? Like, what are we talking? How far are you going? Like, what does this look like?

• 5:31Speaker 03

  So probably. Four, like maybe once a week. I stop at the craft store. Four or five times a month or so.

• 5:42Caleb Hammer?

  And what else?

• 5:44Speaker 03

  Um. Hmm. I think that's, I mean. I know I spend a lot.

• 5:50Caleb Hammer?

  I see him here a ton of Amazon as well.

• 5:54Speaker 03

  Oh.

• 5:55Caleb Hammer?

  Uh huh.

• 5:56Speaker 03

  I do. So I get. Um. My cat food, my cat litter. My toilet paper and my laundry detergent on subscribe and save. So those are the majority of my Amazon purchases.

• 6:13Caleb Hammer?

  So Amazon. Got miscellaneous bullshit in this here pile that I have here. Have I looked at your purchases? No, but we have the math miscellaneous bullshit. Also, fees, and I'm gonna need to see those fucking fees and then going out to eat. So.

• 6:27Speaker 03

  Yep.

• 6:27Caleb Hammer?

  I wanna see where you assess yourself before we go into this world.

• 6:32Speaker 03

  Okay.

• 6:32Caleb Hammer?

  This is your income.

• 6:35Speaker 03

  Okay.

• 6:35Caleb Hammer?

  This is your monthly income.

• 6:38Speaker 03

  Okay.

• 6:39Caleb Hammer?

  Assess in three different piles what you think you spent on going out to eat.

• 6:45Speaker 03

  Okay.

• 6:45Caleb Hammer?

  Miscellaneous bullshit.

• 6:48Speaker 03

  Okay.

• 6:48Caleb Hammer?

  Just the extra thing. It could be video games, whatever. It's just the extra miscellaneous bullshit.

• 6:52Speaker 03

  Yep.

• 6:52Caleb Hammer?

  And then fees. Fees alone.

• 6:55Speaker 03

  Okay.

• 6:56Caleb Hammer?

  Okay?

• 6:56Speaker 03

  Okay.

• 6:59Speaker 03

  So.

• 7:01Caleb Hammer?

  That's your total income.

• 7:02Speaker 03

  Okay. Six hundred eating out.

• 7:06Caleb Hammer?

  The fuck six hundred? That's insane for your income.

• 7:09Speaker 03

  Yes.

• 7:09Caleb Hammer?

  What's six hundred be?

• 7:12Speaker 03

  Um, I think I didn't really grocery shop for the entire month of

• 7:16Caleb Hammer?

  Entire month?

• 7:17Speaker 03

  Yes, I think I went to the grocery store maybe like two times.

• 7:20Caleb Hammer?

  Good.

• 7:21Speaker 03

  Probably one ten in fees.

• 7:28Caleb Hammer?

  The kind of fees do we have going on? This is insane.

• 7:33Speaker 03

  What was the last one?

• 7:34Caleb Hammer?

  Misland is bullsh. All the extra stuff that just doesn't matter.

• 7:39Speaker 03

  I'm gonna say about.

• 7:43Caleb Hammer?

  I'm being told they're overdraft on late fees, by the way.

• 7:45Speaker 03

  They are.

• 7:46Caleb Hammer?

  How much is that?

• 7:47Speaker 03

  Like one eighty.

• 7:49Caleb Hammer?

  One eighty, give. So this is what you think you have left?

• 7:53Speaker 03

  Mm hmm.

• 7:53Caleb Hammer?

  So why would you have debt with this much left? How much goes to your rent? Let me see the rent. I don't see how much you think you have left, based on your assessment of your financial situation. And why wouldn't be going towards that? Why would this fee pile exist? Fee pile exists.

• 8:13Speaker 03

  I don't think there's enough bills.

• 8:16Caleb Hammer?

  Well, that's not a good sign, is it?

• 8:20Speaker 03

  Five.

• 8:20Caleb Hammer?

  How could we have been running out? This is your income.

• 8:26Speaker 03

  Seven.

• 8:27Caleb Hammer?

  Are you seeing a problem?

• 8:28Speaker 03

  Yep. Eight.

• 8:32Speaker 03

  Yeah, there's, yeah, um.

• 8:35Caleb Hammer?

  Okay. So how much did you say this pile right here is going out to you? How much did you say this is?

• 8:42Speaker 03

  Probably six hundred.

• 8:43Caleb Hammer?

  So you put six hundred dollars here? Alright.

• 8:50Caleb Hammer?

  Eight hundred fifty nine dollars.

• 8:52Speaker 03

  Oof.

• 8:52Caleb Hammer?

  Eight hundred fucking fifty nine dollars when you're not surviving, you don't have enough money anywhere.

• 8:59Speaker 03

  Yeah.

• 8:59Caleb Hammer?

  How much is this, your fee pile? What did you put? Late fees, overdraft fees, what you put?

• 9:06Speaker 03

  Hundred and ten.

• 9:08Caleb Hammer?

  Hundred eighty two.

• 9:10Speaker 03

  Oh.

• 9:10Caleb Hammer?

  Here's your miscellaneous bull. What did you put?

• 9:13Speaker 03

  One eighty.

• 9:14Caleb Hammer?

  Five ninety five.

• 9:16Speaker 03

  Oh, God.

• 9:17Caleb Hammer?

  How the are you surviving? How are you here? How have you made it long enough to even sit across from us? How have you like made it? How have you done this?

• 9:31Speaker 03

  Yeah, the math doesn't really math.

• 9:33Caleb Hammer?

  The math is not math.

• 9:35Speaker 03

  The math is not mathing there.

• 9:39Caleb Hammer?

  How have you made it this far? I am genuinely curious.

• 9:44Speaker 03

  I don't know.

• 9:44Caleb Hammer?

  So what is going on in your life then? Give us a little backstory and we are gonna dive in to this. What is going on in your life?

• 9:53Speaker 03

  I have just moved.

• 9:57Speaker 03

  And I currently have a lease on a house that I'm not living in with my ex fiance.

• 10:10Speaker 03

  But that's a little complicated because his boss is paying all the bills for the house. Because he had to move to San Antonio.

• 10:20Caleb Hammer?

  What the fuck? And his boss, okay, okay, so what's your situation specifically in this?

• 10:24Speaker 03

  So me, I had to kind of move out of the house pretty quickly. Um, because the realtors were wanting to start showing it. And get someone in there so they could take over the lease.

• 10:38Caleb Hammer?

  Ex fiance, how long were you guys together?

• 10:40Speaker 03

  We were together for just about three years.

• 10:44Caleb Hammer?

  What happened?

• 10:45Speaker 03

  Um.

• 10:47Caleb Hammer?

  Fiance, it means we got pretty damn far.

• 10:49Speaker 03

  Yeah, so I think ultimately, um, we just were not very compatible. Um, he, I think, wasn't showing me love in the way that I necessarily

• 11:02Caleb Hammer?

  Wasn't showing you love?

• 11:03Speaker 03

  Wanted to be shown love.

• 11:05Caleb Hammer?

  How'd you want to be shown love that he wasn't doing?

• 11:07Speaker 03

  So it was a lot of like intimacy issues.

• 11:12Caleb Hammer?

  What, it wasn't diddling?

• 11:14Speaker 03

  Yeah. And there, and there were, um, you know, I suggested that we go to therapy together. Um, and he kind of refused every time to kind of deal with those issues.

• 11:26Caleb Hammer?

  Well, obviously, we're not gonna make it if he's willing to ref- if he's obviously not willing to even try.

• 11:31Speaker 03

  Yeah, so I eventually kind of, it was a few months or really, it was a few years of us not being intimate. Which is

• 11:39Caleb Hammer?

  A few years, wait, of not, you mean not once in a few years? Well, hold on, you said you guys were together for three years.

• 11:45Speaker 03

  Yeah.

• 11:46Caleb Hammer?

  What?

• 11:47Speaker 03

  He um.

• 11:48Caleb Hammer?

  Hold on.

• 11:50Speaker 03

  He had.

• 11:50Caleb Hammer?

  How does that look like?

• 11:51Speaker 03

  So.

• 11:52Caleb Hammer?

  Sorry, I guess that's personal, but.

• 11:53Speaker 03

  So he um had a slight addiction?

• 11:58Caleb Hammer?

  Oh.

• 11:59Speaker 03

  And so.

• 12:01Caleb Hammer?

  But and wouldn't go to therapy even though he had addiction to the goon?

• 12:04Speaker 03

  Yes.

• 12:05Caleb Hammer?

  The prime goon?

• 12:06Speaker 03

  Yep. So eventually after.

• 12:09Caleb Hammer?

  Years of not being together as a couple?

• 12:12Speaker 03

  Yeah, so kind of after after begging for things to change for, you know, months, years.

• 12:17Caleb Hammer?

  What did that look like? How was the communication on this?

• 12:19Speaker 03

  Um, not great.

• 12:21Caleb Hammer?

  The reason all this matters, by the way, is because apparently, according to you, you started this off and I'm asking what's going on. You're saying you got by the situation ending. So, yeah.

• 12:30Speaker 03

  Yeah, so um, really, it, I think it, the communication was not great. Um, because he's a very like avoidant person. Um, I think our like attachment styles are different. So I have a very like anxious attachment style where I need a lot of attention and kind of I need reassurance in a relationship.

• 12:51Caleb Hammer?

  Yeah.

• 12:52Speaker 03

  And he's very like anxious, avoidant, where he doesn't want to have conversations. He doesn't want to um, talk about things. If we would have an argument, it would be kind of like I was talking the whole time and he was just listening and I would give him the opportunity to speak up or if he needed, you know, a an hour to kind of get his thoughts together, I would come back and be like, hey, you know, do you want to continue this conversation and give me your opinion? But he would never give that to me. It was always just me talking at him and him just never really responding. Um, I think when I broke up with him, he probably said a total of like twenty words to me in the whole entire like breakup conversation.

• 13:31Caleb Hammer?

  But you are the one that pulled the trigger.

• 13:32Speaker 03

  Yes, I'm the one who decided to end things.

• 13:35Caleb Hammer?

  Completely in uh, impact your life like that so much.

• 13:38Speaker 03

  Yeah.

• 13:38Caleb Hammer?

  Were you expecting it to move so quick? This is crazy.

• 13:40Speaker 03

  So we actually broke up in April of twenty twenty four and we were living together until December of last year. So we were living in the same house for six months. What we decided was we were just gonna cohabitate and live together and just kind of deal with it until our lease ended, which looked like him sleeping on the couch for all those months. Um.

• 14:03Caleb Hammer?

  So you would just catch him in the goon?

• 14:05Speaker 03

  No, because you would do that in his office in hi- in his own private room.

• 14:09Caleb Hammer?

  Walk away?

• 14:10Speaker 03

  Yeah, so. Um, so then his, his boss wanted him to move to San Antonio.

• 14:17Caleb Hammer?

  Yeah.

• 14:18Speaker 03

  Um, cause his job has a location here in Austin and in San Antonio. And his boss wanted him to be the like, uh, store manager or whatever at the San Antonio store. But he was like, I'm not going to drive two hours every single day to go to work. And so his boss said that he would cover our house bills until either the rental company finds someone else to live there.

• 14:42Caleb Hammer?

  Uh huh.

• 14:43Speaker 03

  Or until, um, the lease ends in March. So we're at the point where the rental company hasn't found anyone yet. So we're still.

• 14:52Caleb Hammer?

  Half chewing on a fucking cough drop in between your words. Let's be real. If your private student loans have your eye on a third job at the local taco stand.

• 15:03Caleb Hammer?

  Maybe it's time for a better plan. Y refi is your lifesaver in a sea of debt. I like the typical loan sharks who treat your credit score like a magical crystal ball. Y refi cares if you actually want and can afford to repay. So forget about jumping through hoops and start jumping for joy at their under six percent interest rates. That's right. Six percent, less than six percent. Plus they've got a co-sign a release program so you can finally give your mom a break from your financial baggage. So consider it your early mother's day or father's day gift. They also offer a structured repayment plan to lower your monthly bill and personal reps who actually pick up the phone. It's no wonder why they've got a 4.6 star rating on Google.

• 15:46Caleb Hammer?

  Apparently treating partners like humans actually works wonders. So if you're sick of interest rates that are so high, they may as well charge you for oxygen. Y refi is your shot at a real solution. No more losing sleep and no more ignoring the mountain of student loan statements on your kitchen table. Go to Y R E F Y dot com slash hammer. That's Y refi dot com slash hammer. Or call triple eight Y refi dash 78. That is triple eight Y refi dash 78. And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. I hear, I hear crunch every like.

• 16:24Speaker 03

  Sorry.

• 16:24Caleb Hammer?

  Five seconds.

• 16:25Speaker 03

  It's gone now.

• 16:26Caleb Hammer?

  Focus on your crunch. Okay, so you're on your own now. You have this living situation, but you're seeing this whole pile started from there.

• 16:33Speaker 03

  Um.

• 16:33Caleb Hammer?

  Which is a sad situation of which, of course, I sympathize with, and you couldn't make the relationship work out. Okay, that sucks. I get it. But this stems from that?

• 16:43Speaker 03

  I think a lot of the like, spending specifically in December kind of stems from that.

• 16:48Caleb Hammer?

  And if I dig through this and I search that out, right now, you're positioning yourself as the victim of life right now, which for many people is correct, and maybe for you it is, but is the paperwork that is in front of me going to confirm that?

• 17:02Speaker 03

  I think a lot of it.

• 17:03Caleb Hammer?

  Cause if not, I'm gonna be pissed. Cause people who victimize themselves but are not, kind of disgusting.

• 17:08Speaker 03

  I don't necessarily think I'm the victim in this scenario.

• 17:11Caleb Hammer?

  Okay, well, so far, the whole story has been about.

• 17:14Speaker 03

  Well, I mean.

• 17:14Caleb Hammer?

  The breakup. Wow, you know, which does suck again. And if that is the whole thing, then you have my sympathy full on. I've just seen so many people try to use this to try to get out of things.

• 17:24Speaker 03

  I don't necessarily think I'm the victim here. I think that it's just, it was an unfortunate timing that I had to move out quickly.

• 17:31Caleb Hammer?

  Six months ago. Okay, so that it ended back then. Okay.

• 17:36Speaker 03

  Yeah, yeah.

• 17:37Caleb Hammer?

  How's dating going?

• 17:38Speaker 03

  Um, so I, I did, uh, I decided to come here because I saw you unhinged six months ago.

• 17:52Speaker 03

  No, no, I'm just kidding. I'm just kidding. I did see you unhinged six months ago, but that's not why I decided to come here.

• 17:57Caleb Hammer?

  Uh huh. How was my profile?

• 17:59Speaker 03

  I mean, I swiped, right?

• 18:04Speaker 03

  Yeah. I can't remember. It was a long time ago.

• 18:06Caleb Hammer?

  Oh.

• 18:07Speaker 03

  Um, uh, but, um, so I feel like with the income that I make.

• 18:14Caleb Hammer?

  I'm almost as red as you. I'm embarrassed.

• 18:17Speaker 03

  Hey, okay. Listen, I do, I do get a little red. I do get a little red.

• 18:22Caleb Hammer?

  I know, you're nervous. You just embarrassed me.

• 18:24Speaker 03

  Uh, I'm sorry. Uh, so.

• 18:26Caleb Hammer?

  What do you think your finances are today? Zero to 10, zero being the absolute worst, 10 being the absolute best?

• 18:32Speaker 03

  I think I'm at a one.

• 18:34Caleb Hammer?

  Okay. Well, self-assess pretty reasonable for what it's worth. Obviously, every spending category we just had you lay out. That was all bold.

• 18:43Speaker 03

  Yeah.

• 18:43Caleb Hammer?

  We thought was less. So, download the simpler budget app. This guy is Tasty Mug right here. Download that app.

• 18:49Speaker 03

  Okay.

• 18:49Caleb Hammer?

  And actually connect your accounts. You get the premium version for free with all the education, the connection to the apps and all that.

• 18:55Speaker 03

  I actually did download it.

• 18:56Caleb Hammer?

  Good. Well, now you get, now you get it for free forever because you're a guest. So, um, if you guys want your hammer financial score, that is free. Link in the description below. And if you want to be on the show and come on. And what, what, I like to ask guests sometimes just because there's weird people online. That's, I don't know, whatever. Um, uh, how are, are you fully aware that I'm gonna meme on you?

• 19:17Speaker 03

  Yes.

• 19:18Caleb Hammer?

  That there's gonna be a silly little thumbnail and I'm gonna beat you up a little.

• 19:22Speaker 03

  Yep.

• 19:22Caleb Hammer?

  Okay.

• 19:22Speaker 03

  I'm aware.

• 19:23Caleb Hammer?

  And are you a real person or a paid actor?

• 19:25Speaker 03

  I'm real.

• 19:26Caleb Hammer?

  And I don't know why I have to even fucking do this, but there's some weirdos out there. So, the internet's fucking crazy. So, if you want to come on the show, come down to Austin. We'll let you fully aware of what you're getting into and we'll have a good time. Go to Calebhammer.com slash apply. All right. We got some debt.

• 19:44Speaker 03

  Yes.

• 19:45Caleb Hammer?

  What is this? What, what am I looking at? I don't even know. What's the brand here?

• 19:51Speaker 03

  Um.

• 19:52Caleb Hammer?

  What, what the fuck is this? Tell me what debt you, you have.

• 19:57Caleb Hammer?

  You need to look closer than an article.

• 20:00Speaker 03

  Oh, this is, um, like a, um, uplift or upstart. This is an upstart loan.

• 20:08Caleb Hammer?

  For why? What are you doing?

• 20:09Speaker 03

  Um, so I took that out.

• 20:11Caleb Hammer?

  Twenty six point nine three percent interest?

• 20:13Speaker 03

  Yes.

• 20:13Caleb Hammer?

  Upstart?

• 20:14Speaker 03

  Yes, I'm pretty sure that's, I have two upstart and I have one uplift. That's one of the upstart ones.

• 20:19Caleb Hammer?

  Okay. Upstart one then. We are at two thousand nine hundred seventy six dollars and ninety three cents with a minimum monthly payment of.

• 20:29Speaker 03

  One.

• 20:29Caleb Hammer?

  No, no, no. Wait. No, no, no. That is not the balance. Hold on. Where's the current balance? Because.

• 20:33Speaker 03

  Current balance, I think.

• 20:34Caleb Hammer?

  No, no, no.

• 20:36Speaker 03

  Twenty seventy six?

• 20:39Speaker 03

  At the top?

• 20:40Caleb Hammer?

  Ah, $2,076 with a minimum monthly

• 20:47Speaker 03

  109.

• 20:49Caleb Hammer?

  Payment of 109. 109, okay.

• 20:55Speaker 04

  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.

• 21:07Speaker 05

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

• 21:10Caleb Hammer?

  Get this out, what is this for?

• 21:12Speaker 03

  I took that out when my ex fiance and I were moving from an apartment to a house.

• 21:20Caleb Hammer?

  What was your guys' work situation? Couldn't afford to move?

• 21:24Caleb Hammer?

  For what? What was your guys' life looking like? If you couldn't afford, you couldn't afford to move, I'm not gonna judge that, but that's a different situation. What did your life look like?

• 21:31Speaker 03

  So, we were in an apartment and they were gonna raise our rent from 1,300 to 1,800. And so we decided to just get a house for that same amount of rent, basically.

• 21:43Caleb Hammer?

  What did you guys' life look like?

• 21:45Speaker 03

  Um, I was making less money than I am now.

• 21:49Caleb Hammer?

  What were you making? Oh my gosh.

• 21:51Speaker 03

  I was making probably around 2,800.

• 21:55Caleb Hammer?

  And what did he make?

• 21:57Caleb Hammer?

  Best guess, cuz you weren't-

• 21:59Speaker 03

  Probably, probably like 40,000 a year. Or something, something around that.

• 22:04Caleb Hammer?

  So what, our financial situation, we guys living on the edge? What were we doing? You didn't have enough money so you completely financed the move? What was the move? Why didn't you just pack up stuff? Where was the move to? Same town?

• 22:13Speaker 03

  We moved from Austin to Leander.

• 22:15Caleb Hammer?

  Okay, why didn't you pack up a U-Haul?

• 22:17Speaker 03

  So-

• 22:18Caleb Hammer?

  What is this? Was this movers? It's more expensive than any of the moves I've ever done.

• 22:22Speaker 03

  We paid for movers.

• 22:24Caleb Hammer?

  Why? In what world could you guys get movers if you were living on the edge of existence?

• 22:28Speaker 03

  I can't, like, I'm not very strong and we have a lot of-

• 22:30Caleb Hammer?

  Can work out. And guess what? Neither am I, I'm a little bitch, look at me. But guess what?

• 22:35Speaker 03

  And-

• 22:35Caleb Hammer?

  I've moved, helped my friends move, that's what we do! Did you guys have friends?

• 22:40Speaker 03

  He, so, we actually- Yeah, so he moved from Ohio to here.

• 22:46Caleb Hammer?

  Oh guys, people in Ohio can't lift up boxes.

• 22:48Speaker 03

  To move in with me, so he didn't have any, he doesn't have any friends here. And so, there was no one, like, all my friends are-

• 22:55Caleb Hammer?

  You guys can still move yourself and I'm okay with movers if you can afford it, but you had to borrow movers that are 26% interest loan. That's obviously the problem that I'm making here. That is what I am digging into. I'm not digging into the fact that you took movers. That's not it. You borrowed movers at 26% interest.

• 23:10Speaker 03

  Yeah.

• 23:10Caleb Hammer?

  Well, living on the edge.

• 23:13Speaker 03

  We couldn't afford to move. So, but we needed to move.

• 23:15Caleb Hammer?

  I think you could have with a U-Haul and movement.

• 23:19Speaker 03

  That's probably true.

• 23:19Caleb Hammer?

  And guess what? If you can't pick up boxes, maybe that's telling you something about your health unless you have something clinically diagnosed.

• 23:24Speaker 03

  Well, it's not so much the boxes. It's like the 500 pound dresser that I have.

• 23:29Caleb Hammer?

  Yeah, that part's hard.

• 23:30Speaker 03

  Really like, and we lived, we lived on like a second floor apartment. So I can't like.

• 23:35Caleb Hammer?

  Yeah, that part gets hard. Maybe in the end you get a couple move, you, maybe you get a couple labors or something, you know, just get some, like an app like Thumbtack or something, just to move down into the truck, but not the whole moving process because it's so expensive. And they have hour minimums and their gas bills are crazy. There's so many alternatives here and listen, again, I am not against it. You borrowed it at 26% interest. Listen, here's the thing. Here's the thing. You borrowed 3,588. The finance charge on it is 2,976,093 cents. Total payments, $6,564 on 3,588 that you borrowed. So that's what you paid for your move. A move with someone that you're not with anymore in a place you don't live in.

• 24:19Caleb Hammer?

  You are paying $109 a month for that to pay a total of almost $7,000 to borrow 3,500 for a move that is done with someone you don't live with in a place you don't live.

• 24:31Speaker 03

  Yes.

• 24:31Caleb Hammer?

  Uh huh. So that's what happens when we just defer our entire life and every kind of purchase.

• 24:37Speaker 03

  Yeah, this is the first um, kind of loan like this that I have ever taken out.

• 24:42Caleb Hammer?

  If this was the first, so this just started just a fucking train wreck of a life and you guys weren't even separated. I thought you said this all started when you guys separated. What are you talking about? You guys were completely together here. Were you fiancés at the time?

• 24:53Speaker 03

  No, we were just dating.

• 24:54Caleb Hammer?

  See, we didn't even get to fiance status and we're taking out a fucking like moving payday loan. Come on.

• 25:00Speaker 03

  Yeah, I um.

• 25:04Speaker 03

  That's a big one and I I think I didn't realize how much uh I would actually end up paying at the end of it like all said and done after it's completely paid off. I don't know that it just whenever I took out the loan.

• 25:22Caleb Hammer?

  Statement right here.

• 25:23Speaker 03

  Yeah.

• 25:24Caleb Hammer?

  You just got from me. You could have looked at it at any time.

• 25:27Speaker 03

  But I mean, I did look at it whenever I printed it out, but this one's on autopay. So I just like kind of let it let it take out.

• 25:36Caleb Hammer?

  Two six percent interest auto pay nine hundred dollars going out to eat and yet we could make nine of these payments on this card. The

• 25:48Caleb Hammer?

  aren't you trying to move on? I mean, this is kind of a relationship anyway, like are you even moving on? The question goes financially, you're not. In fact, you're getting in a worse position.

• 25:59Speaker 03

  There are a lot of other things that are still attached financially too. That is like

• 26:03Caleb Hammer?

  With him?

• 26:04Speaker 03

  Yeah, like we like we're on the same car insurance. I have his Apple watch on my Verizon bill.

• 26:11Caleb Hammer?

  You guys break up again? Sorry, my memory is bad.

• 26:14Speaker 03

  In April.

• 26:14Caleb Hammer?

  Okay, how are you still on car insurance together? Stop smacking your lips.

• 26:20Speaker 03

  Sorry.

• 26:21Caleb Hammer?

  It's okay. I just it's loud. People are listening to you. Me.

• 26:29Caleb Hammer?

  This is crazy. Oh, plus the finance fee to kick it off for three hundred twelve dollars.

• 26:33Speaker 03

  I think that was included in.

• 26:37Speaker 03

  Like, I think they gave me.

• 26:39Caleb Hammer?

  Gave you. It got added on to the debt.

• 26:41Speaker 03

  Yeah. Like, I think they just took that out.

• 26:44Caleb Hammer?

  For that out of the pocket. And at the moment, you thought that's what I was talking about?

• 26:47Speaker 03

  No, no, no. I mean, they gave me the money after they took out that fee.

• 26:51Caleb Hammer?

  Yeah. Well, yeah, because the principal amount became three thousand nine hundred because of the money of the three twelve.

• 26:56Speaker 03

  Okay, I see.

• 26:57Caleb Hammer?

  What? Wait, what did you think happened?

• 26:59Speaker 03

  That they, when they paid out to my bank account, they gave me the money that I had taken the loan out for, but they subtracted that

• 27:08Caleb Hammer?

  No.

• 27:08Speaker 03

  three hundred and twelve dollar fee.

• 27:10Caleb Hammer?

  No.

• 27:11Speaker 03

  Oh.

• 27:12Caleb Hammer?

  Nope, it was added to your principal.

• 27:13Speaker 03

  Honestly, that was so long ago. I don't remember.

• 27:16Caleb Hammer?

  Yet we still have it even at twenty six percent interest. Listen, it's not like, uh, the income you make isn't like horrendous, but it's also not like woo woo for Austin. You're kind of, you're in a fine area.

• 27:26Speaker 03

  Yeah.

• 27:27Caleb Hammer?

  You're in a fine area, but if you dig yourself too hole, uh, too far into a hole, you're not given the flexibility in your situation.

• 27:35Speaker 03

  Yeah.

• 27:36Caleb Hammer?

  You make a fine income for the area, but you don't have the wiggle room to fuck so dramatically. And you did this years ago?

• 27:43Speaker 03

  Yeah.

• 27:43Caleb Hammer?

  And the fuck up got worse?

• 27:47Speaker 03

  Yep.

• 27:48Caleb Hammer?

  Okay. Well, this is a document. This is just printed off things and you owe to your fucking mom for moving expenses, moving expenses again?

• 27:57Speaker 03

  Mm hmm.

• 27:57Caleb Hammer?

  Extra on top of what you already did or you couldn't, you didn't have enough for you through your borrowing?

• 28:02Speaker 03

  That was.

• 28:02Caleb Hammer?

  Or is this an other move? Are we borrowing for every move that's ever been moved in the history of the world? Do you fucking borrow when you move from your apartment to your car to work every day? What are you borrowing? What move are you borrowing for? You move for every movement, every step you take, you borrow?

• 28:16Speaker 03

  That was, um, from twenty twenty one.

• 28:19Caleb Hammer?

  Yeah. Oh, the past one you're saying, cause you're pointing over there.

• 28:22Speaker 03

  This one is from, uh, whenever I just moved in December.

• 28:27Caleb Hammer?

  Last month, last month, last month.

• 28:31Speaker 03

  Yes.

• 28:33Speaker 03

  Um, so.

• 28:33Caleb Hammer?

  We did not learn our lesson in two years. So you're on a repeated pattern. You're on a repeated fucking pattern.

• 28:40Speaker 03

  So whenever I, um, was applying for apartments, I, um, was having a hard time because I had a, I had a seven hundred and fifty dollar collection from the old apartment that we used to live at.

• 28:57Caleb Hammer?

  Borrowed to move to you.

• 29:00Speaker 03

  From, yes.

• 29:01Caleb Hammer?

  Oh, say.

• 29:04Speaker 03

  I had to pay that.

• 29:05Caleb Hammer?

  Oh, there is not a thing you do in the world of living that you did not borrow for or just fuck up. I am learning. I am learning. It's happening. The learning's being happening.

• 29:16Speaker 03

  So, so I had to pay that before they would accept me, before they would accept my application.

• 29:22Caleb Hammer?

  Fair enough.

• 29:23Speaker 03

  I paid that, um, and then whenever I moved in, because I had that past collection on my record, they charged me like an extra deposit to move in. So whenever I moved into the apartment, because it was on my record and, and they were like, it's one of those things where if you move into an apartment, normally the. Deposit is like five hundred dollars or something, but because I had that pass seven hundred and fifty on my whatever.

• 29:54Caleb Hammer?

  Yeah.

• 29:55Speaker 03

  Um, they charged me fifteen hundred for a deposit.

• 29:59Caleb Hammer?

  Oh, so this wasn't even the expenses of moving. This was just you putting a deposit down?

• 30:04Speaker 03

  Into the apartment, yes.

• 30:05Caleb Hammer?

  You borrowed from your mom for a deposit?

• 30:07Speaker 03

  No, no, no, no, no. I paid that. And then I also had to pay twelve hundred the rent because I moved in past the twentieth of the month. So whenever I moved in, I owed like twenty seven hundred dollars to the new apartment.

• 30:22Caleb Hammer?

  Something tells me we didn't have an emergency fund.

• 30:25Speaker 03

  That is correct. So I didn't have enough to, um, move and I, again.

• 30:32Caleb Hammer?

  What, did you use movers?

• 30:33Speaker 03

  Yes.

• 30:34Caleb Hammer?

  Okay, I don't think you understand moving. You're allowed to put in fucking effort. 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.

• 31:16Caleb Hammer?

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

• 31:34Caleb Hammer?

  Do, well, I, this is me. Can you guys let me know in the comments, is this just me? Like every, like, I used movers last time, but every fucking move with me and my friends, we all just pick up shit and move. Like, we pick up stuff. Do people not pick things up anymore? And I get that little, I get like a big dresser. I get that. And if you don't have an established friend group that can help you, I do get that part and maybe I'd get some people off thumbtack or something, but my god.

• 31:59Speaker 03

  So I got movers because I didn't.

• 32:01Caleb Hammer?

  From your mom. I don't think we're getting movers.

• 32:03Speaker 03

  I wanted to make sure I got someone who had insurance. I wasn't sure.

• 32:07Caleb Hammer?

  But if you moved it yourself, your insurance would be you not fucking up.

• 32:10Speaker 03

  Well, yeah. But that's why I wanted someone else to move it because I don't want to break my stuff. And.

• 32:15Caleb Hammer?

  No, you mean.

• 32:16Speaker 03

  I don't want my friends to break my stuff.

• 32:18Caleb Hammer?

  You didn't want to, you have friends.

• 32:20Speaker 03

  Yeah, but, I mean.

• 32:23Caleb Hammer?

  They're incapable of moving as well?

• 32:26Speaker 03

  It was, I moved two days before Christmas, so I.

• 32:31Caleb Hammer?

  Friends wouldn't help you?

• 32:32Speaker 03

  Probably not.

• 32:34Caleb Hammer?

  Doesn't sound like good friends.

• 32:35Speaker 03

  One of them was out of town and then the other one.

• 32:37Caleb Hammer?

  Town makes sense, but.

• 32:39Speaker 03

  But, I, I moved to the third floor and I have like the heavy furniture and then I.

• 32:45Caleb Hammer?

  Everyone moves from the third floor that I know because who wants to live on the bottom floor where there's noise above you?

• 32:51Speaker 03

  And then I own like.

• 32:51Caleb Hammer?

  This is what happens. You're making an excuse for something that I feel like everyone, at least everyone in my life goes through. And guess what? We move each other. I'm so confused. You guys just seem so lazy. I mean, with the way you're eating and the way you're living, I'm not surprised.

• 33:04Speaker 03

  I just don't think that I can carry all that stuff up three flights of stairs. So.

• 33:08Caleb Hammer?

  Take like thirty trips. Welcome to what the rest of us have done.

• 33:13Speaker 03

  I own like eight hundred books, so.

• 33:15Caleb Hammer?

  Congratulations.

• 33:16Speaker 03

  I.

• 33:17Caleb Hammer?

  I'm glad you're well read.

• 33:18Speaker 03

  I couldn't, um.

• 33:20Caleb Hammer?

  You get to take them to your next place down the stairs.

• 33:23Speaker 03

  I couldn't bring those boxes up, so I needed help.

• 33:25Caleb Hammer?

  You would use, but I do not know how this works. Do you not know the next step? What's the next step in that?

• 33:32Caleb Hammer?

  What's the next step in that? Help me here. What's the next step?

• 33:35Speaker 03

  In what?

• 33:36Caleb Hammer?

  You couldn't, uh, take the book? You couldn't, you couldn't take the boxes of the books. What's the next step in there?

• 33:41Speaker 03

  Yeah, so I hired movers.

• 33:42Caleb Hammer?

  No, no, no. What would be the next step to avoid movers?

• 33:46Caleb Hammer?

  What would it be?

• 33:46Speaker 03

  Um, I guess carry it myself.

• 33:48Caleb Hammer?

  Well, you said you couldn't.

• 33:49Speaker 03

  Yeah, I can't.

• 33:50Caleb Hammer?

  So what's the next step?

• 33:51Speaker 03

  Hire someone else?

• 33:53Caleb Hammer?

  Oh my goodness. You go from I can't do something to immediately hire someone when I have no money. Are you fucking kidding me? Is there no problem solving techniques that you are capable of in life? What would be next? Use it.

• 34:05Speaker 03

  Friends?

• 34:06Caleb Hammer?

  No, we're, we're getting closer. What would be out of the solution? Cause your friends weren't there. It was Christmas.

• 34:11Speaker 03

  Uh.

• 34:12Caleb Hammer?

  Another question. Come on. Oh, big.

• 34:14Speaker 03

  I don't know.

• 34:15Caleb Hammer?

  Big. Big thinking we're doing big thinking. Oh my goodness, you can get there. I believe you.

• 34:21Speaker 03

  I can't.

• 34:21Caleb Hammer?

  Oh, go, go.

• 34:22Speaker 03

  I can't get there.

• 34:23Caleb Hammer?

  Want you to just put in a little bit of effort, a little bit of effort, pretend like you actually did something.

• 34:27Speaker 03

  Well, you mentioned the thumbtack.

• 34:29Caleb Hammer?

  Huh?

• 34:29Speaker 03

  You mentioned the thumbtack.

• 34:30Caleb Hammer?

  No, no, no, we talked about not hiring people for this. Come on, come on.

• 34:33Speaker 03

  Don't move. I don't know.

• 34:35Caleb Hammer?

  How have you survived? Uh, maybe if you can't move the box because it's too heavy, take half the books out and put them in another box and then you can take them down in two trips. What? How are you so fucking surprised?

• 34:51Speaker 03

  Yeah.

• 34:52Caleb Hammer?

  How the fuck could you not just get there on your own?

• 34:57Caleb Hammer?

  I'm sorry, I am learning throughout this and it's okay. We lived in a privileged position in this country where we just get to relax. But guess what? You're allowed to put in a little bit of work and manual effort once a year. I promise you won't die. In fact, it actually might be good for you.

• 35:17Caleb Hammer?

  This looks like another upset if I'm not, well, hold on. Okay. So you owe fifteen hundred to your mom to pay for the movers because you couldn't take out half books and put them in a different box. Separate the items. Do you pay her a minimum monthly? Where are we with this?

• 35:30Speaker 03

  Um, she told me to start paying her in February, just whenever I can.

• 35:34Caleb Hammer?

  What?

• 35:35Speaker 03

  The, just whatever. We didn't really, no, we didn't really go over a number. She just kind of said, you know, send a few hundred.

• 35:44Caleb Hammer?

  Few hundred?

• 35:44Speaker 03

  Like two hundred.

• 35:46Caleb Hammer?

  Two hundred?

• 35:46Speaker 03

  A month or so.

• 35:47Caleb Hammer?

  Is what she suggested?

• 35:49Speaker 03

  It was, we didn't really get a concrete number. It was, we were just kind of like talking about.

• 35:53Caleb Hammer?

  Feel? What vibes did you get?

• 35:56Speaker 03

  Um.

• 35:57Caleb Hammer?

  A little vibe of numberage.

• 35:59Speaker 03

  I think two hundred a month is good.

• 36:01Caleb Hammer?

  Okay, let's put that on. Two hundred. So you think she would expect that? You think if you gave fifty, she'd be like, oh, what the?

• 36:07Speaker 03

  No.

• 36:09Speaker 03

  I think because we didn't talk about a specific number, she

• 36:13Caleb Hammer?

  Why have you not talked about it?

• 36:15Speaker 03

  Cause I haven't gotten paid in February yet.

• 36:17Caleb Hammer?

  Well, what's I'm talking about what the how the how the that required to have a conversation?

• 36:23Speaker 03

  Well, because she told me to start paying her in February. So I figured whenever I get paid.

• 36:27Caleb Hammer?

  About the conversation of when to start paying.

• 36:29Speaker 03

  Yeah.

• 36:29Caleb Hammer?

  I'm asking why you guys didn't come to a number? You knew your income, whether or not the, do you only know your income based on what hits that last week? Like you don't know your income right now until you see your paycheck for this next paycheck.

• 36:41Speaker 03

  No, I do. It's the same amount.

• 36:42Caleb Hammer?

  Then what the why does it matter to come up with a number when I get paid in February? If it's the same damn income, I'm again, the logic here is broken beyond.

• 36:51Speaker 03

  I guess we just didn't talk about it. So

• 36:53Caleb Hammer?

  I'm asking why though?

• 36:55Speaker 03

  Um, I think because she just wants me to be able to pay her back whenever I can.

• 37:00Caleb Hammer?

  Okay.

• 37:00Speaker 03

  Um, within my means and so

• 37:02Caleb Hammer?

  How often has she supported you financially throughout these twenty seven years? Well, okay, obviously before eighteen makes sense, but go on.

• 37:09Speaker 03

  Um, it's not a lot normally. Um, the only time I have usually asked for money is like if I can't afford to get like a medication or something. Um, like if my insulin is really expensive at the beginning of the year, I

• 37:25Caleb Hammer?

  Are you on Ozempic?

• 37:26Speaker 03

  No, insulin.

• 37:27Caleb Hammer?

  Are you on Ozempic?

• 37:28Speaker 03

  No, I'm not.

• 37:28Caleb Hammer?

  Okay, how much is insulin?

• 37:31Speaker 03

  So at the beginning of the year, it's pretty expensive because it's I have a high deductible. So probably twelve hundred.

• 37:38Caleb Hammer?

  But if we get ourselves to a healthier weight, you won't have to pay for insulin. Unless are you type one?

• 37:43Speaker 03

  True. I'm type two, but

• 37:45Caleb Hammer?

  Okay.

• 37:46Speaker 03

  I kind of treat it the same as type one. So like whenever I eat, I take insulin.

• 37:50Caleb Hammer?

  Why? When you can get rid of type two?

• 37:52Speaker 03

  I have a follow up appointment with my endocrinologist and I'm pretty sure I've had diabetes since I was a teenager. And so I want to get a blood test done to see if I'm actually type two because

• 38:04Caleb Hammer?

  Oh, this has not been confirmed.

• 38:05Speaker 03

  So they have told me that I'm type two, but I, I think it's a like, oh, you're overweight. So you're naturally just type two kind of thing.

• 38:13Caleb Hammer?

  Yeah, that's how it works.

• 38:13Speaker 03

  Um, and so there are type one diabetics who are overweight and so

• 38:18Caleb Hammer?

  Yes. So they didn't test for type one?

• 38:19Speaker 03

  No, no, no. I've never been tested for type one. It's like a specific blood test that you have to

• 38:23Caleb Hammer?

  Yes.

• 38:24Speaker 03

  Ask for.

• 38:25Caleb Hammer?

  Yeah, do it, do it. If you're type two though, I mean, if this, this is, uh, it's easier to easier being said to, here's the fact. You're obese? I'm obese. We're obese pals. High five. Woo, woo, woo. I'm lucky I don't have diabetes. But, you know, the thing is, it is a bit more in our control than many other things in life.

• 38:43Speaker 03

  Yeah.

• 38:44Caleb Hammer?

  If that is a brutally expensive.

• 38:46Speaker 03

  I used to weigh like three hundred and fifteen pounds, so it's like, I.

• 38:49Caleb Hammer?

  You ga- you're telling me that number without me knowing how much you weigh now, so I had.

• 38:52Speaker 03

  I weigh like two fifteen.

• 38:53Caleb Hammer?

  Okay, then, good job. Uh, but, all I'm saying is like, if we can't afford insulin, and I get it, the insul- insulation, the insulin situation sometimes can be.

• 39:03Speaker 03

  Yeah.

• 39:04Caleb Hammer?

  If we're having to borrow from our mom, though, maybe we take control of the one thing we can.

• 39:08Speaker 03

  Yeah.

• 39:09Caleb Hammer?

  In, in that situation. If you're type one, less control, right?

• 39:12Speaker 03

  So, I've, I've been doing something lately to.

• 39:15Caleb Hammer?

  Someone's gonna say out there that I'm fat shaming when we're literally just talking about basic.

• 39:19Speaker 03

  Well, I'm fat, so I mean, it's whatever.

• 39:20Caleb Hammer?

  And me too.

• 39:21Speaker 03

  Um, I've been doing something lately, though, that I'm hoping will help, and I'm using my, uh, HSA that I put in every month.

• 39:30Caleb Hammer?

  Yeah.

• 39:31Speaker 03

  To pay for my therapy.

• 39:32Caleb Hammer?

  You put into HSA, which I get for tax advantage, uh, that makes sense, but again, even with the tax advantages you're getting, is it really competing against like a, again, this new upstart loan's at thirty five point six eight.

• 39:44Speaker 03

  I mean.

• 39:45Caleb Hammer?

  Six eight percent, like I'm.

• 39:46Speaker 03

  Maybe not, but because I have these medical expenses.

• 39:48Caleb Hammer?

  Yeah.

• 39:49Speaker 03

  I figure it's probably better to do that, because.

• 39:52Caleb Hammer?

  I guess if the money's gonna go to it anyway, I guess, yeah.

• 39:55Speaker 03

  I've been putting the, the, my therapy, and it goes towards my monthly deductible, or my, my deductible, it goes towards my deductible.

• 40:02Caleb Hammer?

  Yeah.

• 40:03Speaker 03

  Um, and so, I've been able to, because I go to therapy every week, kind of build up that deductible, so when I need to get the insulin, it won't cost me twelve hundred dollars all at once, because I'll have met the deductible.

• 40:15Caleb Hammer?

  How many do you have to get the insulin?

• 40:16Speaker 03

  Um, I have to get it once a month, but I hit my deductible last year, so I was able to get kind of a stockpile, so I have enough to last me.

• 40:25Caleb Hammer?

  So, how have you lost this, well, how long did you lose this weight, and how'd you do it?

• 40:28Speaker 03

  Um, so, actually, I lost it because I had undiagnosed diabetes for so long, that, um, really rapid weight loss is a symptom of diabetes. And so, um, I probably lost about seventy five of it.

• 40:43Caleb Hammer?

  Could use a little bit of diabetes right now.

• 40:45Speaker 03

  I probably lost like 75 of it in a two and a half, three month time span. Um, and so this is why I also have an inkling that I might be type one because that is like a symptom of type one that you lose weight really, really rapidly.

• 41:01Caleb Hammer?

  Okay, so get the test.

• 41:02Speaker 03

  Yeah.

• 41:03Caleb Hammer?

  We'll go from there, but if it is a little bit more in your control and that is something that we're brutally struggling to take care of.

• 41:09Speaker 03

  Yeah.

• 41:09Caleb Hammer?

  You know, maybe we take care of the one thing we.

• 41:11Speaker 04

  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.

• 41:23Speaker 05

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

• 41:26Caleb Hammer?

  Can't control. I wasn't sure if I could pull off a pair of boots, but y'all, I'm wearing my pair of Tecovas right now. And you better believe I'm not taking them off. These things are insanely comfortable, straight out of the box, no stiff leather, no awkward break in period. Just perfect fit, solid support and a whole lot of style. I've worn mine for a long work day, nights out, even just running errands. And every single time someone's like, ooh, Caleb, those boots are clean. Yeah, I know. And Tecovas doesn't cut corners. Every boot is handcrafted with over 200 meticulous steps to give you that premium built to last quality. Whether you've worn boots your whole life or never owned a pair, Tecovas makes it stupid easy to find the perfect fit.

• 42:11Caleb Hammer?

  And right now get 10% off when you sign up for emails and texts. That is 10% off at T E C O V A S dot com slash hammer. Tecovas dot com slash hammer. This upstart though is at $1,225.8. No, sorry, that's the financial chart. I keep looking at the wrong thing in these upstarts. They look so weird. Okay, this upstart is a $1,093 minimum monthly payment of 3818. Cause they want you to pay this 35.68% interest forever. Of course, again, you can took out 1,062, but the finance chart on it was 1,225.

• 42:52Caleb Hammer?

  So if the thousand dollars you took out, you paid a total of 2,287 dollars. What is that? $138 finance fee at the beginning. What was even in this one? So the last one is moving. If you tell me this is fucking moving again, I'm gonna.

• 43:07Speaker 03

  No, you're gonna be more mad, actually.

• 43:09Caleb Hammer?

  Kill me now. Go on.

• 43:11Speaker 03

  So I took that out when my ex and I went on a vacation.

• 43:17Caleb Hammer?

  So it's another debt that's attached to something we did with our ex fiance.

• 43:21Speaker 03

  Yeah.

• 43:21Caleb Hammer?

  Fiance, not even a boyfriend fiance.

• 43:24Speaker 03

  Yep.

• 43:25Caleb Hammer?

  And this is attached to them, a whole big part of our entire life that we are still.

• 43:32Speaker 03

  Yep.

• 43:32Caleb Hammer?

  Did he never pay for things? I'm so confused. Why is this all on you? Vacation, where'd you go? What vacation? You borrowed a 35% interest for a vacation? Oh, there's so many things attached to this.

• 43:43Speaker 03

  So.

• 43:44Caleb Hammer?

  Say, where'd you guys go for 35%?

• 43:47Speaker 03

  It was, um, so I actually borrowed that for spending money, but we went on a cruise to Mexico. I already paid for the cruise.

• 43:57Caleb Hammer?

  And yet you haven't paid for the spending yet.

• 43:59Speaker 03

  No. And so.

• 44:02Caleb Hammer?

  What was this?

• 44:05Speaker 03

  It was like three weeks before we broke up.

• 44:07Caleb Hammer?

  No fucking.

• 44:11Speaker 03

  Yeah.

• 44:11Caleb Hammer?

  You fucking kidding me?

• 44:14Speaker 03

  I wish I was kidding.

• 44:15Caleb Hammer?

  That is insane. This situation that is attached to him in the past three weeks before you broke up. Okay.

• 44:23Speaker 03

  Yeah. So I, I, I used my tax refund to pay for the cruise. Um.

• 44:28Caleb Hammer?

  Oh, my. Okay. Instead of paying off our last moving expense that we were paying minimum monthly. Cruise.

• 44:35Speaker 03

  Yeah.

• 44:35Caleb Hammer?

  You're still paying off the spending and you broke up through. So this was building by then. You broke up three fucking weeks after with your fiance.

• 44:43Speaker 03

  So I think, I think going on this vacation was kind of like a last resort. Like it. If we're taken out of, if we're taken out of real life and all of the, you know, things that go on in a normal day to day and we're on vacation and we're spending time together, maybe this will fix. The intimacy issue.

• 45:05Caleb Hammer?

  Intimacy. I don't think dude wants to get off the goon and wants the because he sees in Mexico. I don't know.

• 45:13Speaker 03

  I mean, like, we're in a, we're in a cruise room where, you know, it's, I thought.

• 45:18Caleb Hammer?

  Motion of the ocean?

• 45:20Speaker 03

  Maybe. It didn't work, though, so.

• 45:23Caleb Hammer?

  Well, because that was a bad plan. I mean, no offense.

• 45:26Speaker 03

  In hindsight, that was a bad plan.

• 45:27Caleb Hammer?

  Literally owe more on it right now than you financed. Like, the amount you took out is less than you owe on it now. This is fucking crazy, dude.

• 45:37Speaker 03

  Yes.

• 45:38Caleb Hammer?

  I mean, the payment term is fifty-nine months, six, it's a sixty-month loan for spending money with our ex-fiance that we broke up three weeks, three weeks after. This is.

• 45:46Speaker 03

  At the time, I thought it, I thought it would fix my relationship.

• 45:49Caleb Hammer?

  I'm so confused. So far, we've, again, at the beginning, you talked about breaking up and getting, like, the house situation is kind of what kicked up, started the situation. We've, we've looked at three debts. Two out of the three happened before you broke up. So I don't know what the fuck you were on about. That's what I was worried about and called out at the beginning.

• 46:08Speaker 03

  I think we both together were not like, neither of us are good financially at managing our money. And so I think we kind of fed off of each other.

• 46:20Speaker 03

  In that way, and.

• 46:23Caleb Hammer?

  So now there's a different reason? Okay.

• 46:26Speaker 03

  Well, I mean.

• 46:28Speaker 03

  Yeah.

• 46:30Caleb Hammer?

  Yeah.

• 46:31Speaker 03

  Yeah.

• 46:34Speaker 03

  This one, this one's the one uplift loan. That one has a story as well.

• 46:41Caleb Hammer?

  Oh, good. If it's trying to, or if it's trying to move.

• 46:48Caleb Hammer?

  Like, at that part, okay, you just get into debt for the most literally insignificant things, except for, I get the, the, uh. Well, actually, no, again, you could have been half-packed, you could have stacked the books differently. Way less. All this debt so far, it's not even like.

• 47:11Caleb Hammer?

  We haven't even looked at a credit card. Usually I tell people to use the Fizz card because it's a debit card that builds credit because I know you're always gonna say more credit. So I usually like to say, well, we haven't even looked at that. You're just building up. I see a credit card coming. So I guess.

• 47:23Speaker 03

  Yeah, I think that's the last one.

• 47:24Caleb Hammer?

  Do that. Okay, so uplift uplift. We are looking at. Let me see if I can actually read this one. Correct. This one's also a thirty five point nine four percent interest.

• 47:34Speaker 03

  I think that one has around three hundred or so left.

• 47:37Caleb Hammer?

  Three fifty seven twenty with a minimum payment of.

• 47:40Speaker 03

  One twenty five.

• 47:40Caleb Hammer?

  One twenty four fifty one. So what is going on here?

• 47:46Speaker 03

  So in June of twenty twenty four, I went on a work trip to Estonia and um.

• 47:56Caleb Hammer?

  Hold on.

• 47:57Speaker 03

  Where my company is based out of.

• 47:58Caleb Hammer?

  Estonia? Hold on, wait, oh wait, is that a Balkan, a Balkan?

• 48:03Speaker 03

  Uh.

• 48:03Caleb Hammer?

  The Balkans?

• 48:04Speaker 03

  I think so, yeah.

• 48:05Caleb Hammer?

  Okay.

• 48:05Speaker 03

  Um, it's like right down below Finland.

• 48:08Caleb Hammer?

  Yes.

• 48:09Speaker 03

  Um, so every, that was all paid for by the company, the whole trip flights.

• 48:13Caleb Hammer?

  Oh.

• 48:14Speaker 03

  All that is completely paid for.

• 48:15Caleb Hammer?

  Oh, okay.

• 48:16Speaker 03

  So.

• 48:17Caleb Hammer?

  Um, okay.

• 48:18Speaker 03

  I went there and um, I I matched with someone on Tinder while I was there.

• 48:28Speaker 03

  And so.

• 48:30Caleb Hammer?

  Good thing we did not.

• 48:31Speaker 03

  I was there for two weeks.

• 48:32Caleb Hammer?

  Good thing I did not swipe right. Let me just.

• 48:34Speaker 03

  And um.

• 48:35Caleb Hammer?

  There for two weeks for for work or the Tinder swipe?

• 48:38Speaker 03

  For a work, for the work trip.

• 48:39Caleb Hammer?

  Oh, okay.

• 48:40Speaker 03

  I was there for two weeks and I matched with him about three or four days into the trip. And so the rest of the time when I wasn't working, we were like spending time together, going to like, he was showing me stuff around Estonia and whatever.

• 48:55Caleb Hammer?

  It's like, oh, Carly, I like the way you look American.

• 49:00Speaker 03

  Not quite, but really close. Um, so.

• 49:05Speaker 03

  I left and we stepped, we, we kept talking and I decided I was gonna go see him.

• 49:10Caleb Hammer?

  Oh.

• 49:11Speaker 03

  In September.

• 49:12Caleb Hammer?

  No, fuck off. This last September, obviously, would have been.

• 49:16Speaker 03

  Yes.

• 49:16Caleb Hammer?

  Unless you're cheating what you were, so, okay.

• 49:18Speaker 03

  And so I got that from.

• 49:22Caleb Hammer?

  To go see your fucking little Scandinavian.

• 49:27Speaker 03

  Yeah.

• 49:27Caleb Hammer?

  Overly white, never had a tan day in his life.

• 49:31Speaker 03

  Yep.

• 49:31Caleb Hammer?

  Okay.

• 49:33Speaker 03

  So that's, that's from the.

• 49:34Caleb Hammer?

  Let me see a picture of this.

• 49:36Speaker 03

  You wanna see a picture of?

• 49:37Caleb Hammer?

  I wanna see a picture of this.

• 49:39Speaker 03

  Okay.

• 49:39Caleb Hammer?

  Cause apparently he's worth thirty five point nine four percent interest.

• 49:42Speaker 03

  Well, he's not because I actually didn't go.

• 49:46Caleb Hammer?

  You bought this and didn't fucking go?

• 49:48Speaker 03

  So now I have a, I have like an a thousand dollar United credit now, but I canceled the trip and they.

• 49:55Caleb Hammer?

  Why'd you cancel?

• 49:56Speaker 03

  Well, because.

• 49:57Caleb Hammer?

  If you bought, you borrowed, so you were so close, why'd you, well, why'd you, did you guys break up?

• 50:01Speaker 03

  Yeah, we broke up, we just.

• 50:02Caleb Hammer?

  Virtually, wait, you guys were together technically?

• 50:05Speaker 03

  Yeah.

• 50:06Caleb Hammer?

  Why, why'd you break up with this one?

• 50:07Speaker 03

  Well, because we kinda realized that the long distance thing wasn't gonna work. I mean.

• 50:11Caleb Hammer?

  Yeah, Estonia is not close.

• 50:12Speaker 03

  Yeah, long distance and maybe the same country, okay, but I don't know, the time difference was really hard and like, he didn't really have a job, so I wasn't really interested in that.

• 50:25Caleb Hammer?

  I know the Europeans love it when we shove our insulin and it just gets them going.

• 50:31Speaker 03

  He did have a like, a belly thing.

• 50:36Caleb Hammer?

  Belly thing.

• 50:36Speaker 03

  Yeah.

• 50:37Caleb Hammer?

  Just got up in those rolls?

• 50:38Speaker 03

  He liked the belly, I guess.

• 50:40Caleb Hammer?

  She gets a little sweaty.

• 50:41Speaker 03

  Okay, I have a picture. Would you like to see?

• 50:44Caleb Hammer?

  Yeah, yeah, yeah.

• 50:45Speaker 03

  Okay.

• 50:45Caleb Hammer?

  Oh, no, he's a little less neo-Nazi.

• 50:48Speaker 03

  Yeah, he's, yeah, he's not, he's.

• 50:50Caleb Hammer?

  Well, yeah, like I'm gonna spread communism.

• 50:53Speaker 03

  I'm, be careful.

• 50:55Caleb Hammer?

  Country forcefully.

• 50:56Speaker 03

  Swiping.

• 50:57Caleb Hammer?

  It doesn't turn into like fucking.

• 50:59Speaker 03

  I don't know.

• 51:00Caleb Hammer?

  A stony in each other.

• 51:01Speaker 03

  I don't know, I don't know, so don't swipe that much.

• 51:03Caleb Hammer?

  Okay, I'm not, sorry, I was, it's a natural thing to swipe with it. Well, I would not wanna see that, uh, oh, okay.

• 51:12Caleb Hammer?

  Sure, the thirty-five point nine four percent man.

• 51:15Speaker 03

  Yeah, so, um, so we broke up, so I I canceled my trip and, um, and now I I have the United Credit, but

• 51:27Speaker 03

  I need to use it before like July or something.

• 51:29Caleb Hammer?

  Girl, stop swiping on people and making bad choices.

• 51:32Speaker 03

  Yeah, I do make bad choices.

• 51:35Caleb Hammer?

  Did you go, can, how many McDouble's did you eat after I swiped left on you?

• 51:39Speaker 03

  Um, at least two, probably.

• 51:40Caleb Hammer?

  See, that's what I'm saying. It can't.

• 51:44Speaker 03

  I prefer chicken nuggets, but, you know.

• 51:46Caleb Hammer?

  Dude, the nugs are so.

• 51:48Speaker 03

  The, I don't really, I'm not really a fan of the mustard on the McDouble, so I I kind of just.

• 51:52Caleb Hammer?

  You don't, you can't say no mustard?

• 51:54Speaker 03

  I can, but, I don't know, sometimes I want them to put mayonnaise on it, and they put way too much mayonnaise on things at McDonald's.

• 51:59Caleb Hammer?

  Oh my gosh, look at us, rubbing our rolls together. Okay. And, uh, now that.

• 52:06Speaker 03

  Yeah, my student loans.

• 52:08Caleb Hammer?

  Okay, twenty-one thousand eight hundred seventy-one thousand, when'd you go to school?

• 52:13Speaker 03

  Um, so, I went from.

• 52:17Caleb Hammer?

  What, you're past two?

• 52:19Speaker 03

  Yes, that is true.

• 52:20Caleb Hammer?

  Wait, how many, no, no, no, no, your minimum payment is one forty-four forty-nine, but you owe five sixty-five, you're past two four twenty. What the fuck is happening here? How do you possibly, how do you possibly get to go the fuck out to eat? Or go to Estonia to bang a white fucking Estonian guy? I don't even know how to make fun of them. Why do you get to do that? Why do you get to do that if we're past our fucking student loans?

• 52:49Speaker 03

  Yeah, that one, um, that one was causing me a little anxiety.

• 52:53Caleb Hammer?

  Yeah, that was not an answer to my question. Who the fuck do you think you are going to McD's instead of paying on your student fucking loans?

• 53:01Speaker 03

  It is less now.

• 53:02Caleb Hammer?

  Huh?

• 53:03Speaker 03

  I paid like two fifty on it. So now it's a little.

• 53:08Caleb Hammer?

  Well, that's not what you owed! You spend eight hundred going out to eat.

• 53:15Speaker 03

  Yes.

• 53:16Caleb Hammer?

  How can you be okay with yourself going through that drive through when you owe this bill? And it is fucking holding you back in life. You want independence. You want to move away from this past relationship. You want to separate yourself from the debts that you got when you got him. You want to take control, yet you are incapable of because you can't stop fucking spending money on fast fucking food. In what world does that take priority?

• 53:44Speaker 03

  It doesn't, but.

• 53:46Caleb Hammer?

  But it does to you. It does every sec-

• 53:51Speaker 03

  And I think the student loans feel worse because I didn't even finish school, so they feel like they were all for nothing, really.

• 54:00Caleb Hammer?

  Forty percent of people who borrow student loans don't. It's a f- it's a f- statistic, statistic.

• 54:07Speaker 03

  Yeah.

• 54:07Caleb Hammer?

  It's a, it's a f- one. That's why I like, I like, I always talk about course careers. They're my boys. We'll gift you a course career certification. Our audience loves them. Lots of people have used them. Um, but just even if it's not your full career, just to get in and see if you're interested in a subj- subject, like a few hundred dollar investment is so much better than forty-four fucking thousand or twenty-one thousand dollars. If it's worth, I dropped out of school with student loans as well. Like, I get it, but the thing is, I at least pay my damn minimum monthly payments. I go to the McD very clearly, but I don't put it over my student loans.

• 54:45Speaker 03

  Yeah.

• 54:48Speaker 03

  I think I was just

• 54:54Speaker 03

  lazy and stressed with moving.

• 54:56Caleb Hammer?

  Lazy and stressed with moving? Did you just say with moving?

• 55:00Speaker 03

  Yeah.

• 55:01Caleb Hammer?

  Did you just tell me you were lazy and stressed with fucking moving?

• 55:03Speaker 03

  I was.

• 55:04Caleb Hammer?

  Are you bringing this to moving again? We all move. I've moved every literal year except for one. Since I've been eighteen, I'm almost a dead thirty.

• 55:12Speaker 03

  Well, I have like a month to figure everything out, so I was like, it felt like.

• 55:15Caleb Hammer?

  That's been my entire life. Listen, listen, and the guardians can tell me if I'm wrong here. Maybe you are, that is the more normal situation. Maybe I've just been a little more fucking weird with my moving and had more, but that just sounds horrible to me. And I paid my payments when I moved when I had no money to when I have money. I made my damn payments, even if I was moving.

• 55:42Caleb Hammer?

  Then again, you did have to borrow from mom, thousand five hundred, why, well, nine hundred dollars a month, I'm gonna go out to eat, four hundred dollars a month, I'm listening to these bullshit, so no shit, no, no fucking shit, we're borrowing money from mama.

• 55:57Caleb Hammer?

  Yes.

• 55:59Speaker 03

  Yeah, so I, um.

• 56:04Caleb Hammer?

  What?

• 56:04Speaker 03

  So my parents have had a, uh, five twenty nine account for me, but.

• 56:11Caleb Hammer?

  What's how much in it?

• 56:13Speaker 03

  Twenty six or so.

• 56:15Caleb Hammer?

  Twenty six thousand?

• 56:17Speaker 03

  Yes.

• 56:17Caleb Hammer?

  So this was after the twenty six thousand, so you spent like fifty thousand?

• 56:21Speaker 03

  No, so they use that to buy me a new car.

• 56:25Caleb Hammer?

  Oh, okay, which they can, but even still twenty six thousand, does that all have to go to the new car? No, maybe like seven or eight, nine of it, when did they have to get the new car, when was this? When was this?

• 56:34Speaker 03

  December twenty twenty one.

• 56:35Caleb Hammer?

  Wait, when were you in school, you're twenty seven?

• 56:37Speaker 03

  Yeah, so.

• 56:38Caleb Hammer?

  Why was the five twenty nine not being used while you're in school, where'd you go to school, eighteen?

• 56:42Speaker 03

  Yeah, well.

• 56:43Caleb Hammer?

  Why was the five twenty nine still sitting there?

• 56:46Speaker 03

  Um, I mean.

• 56:47Caleb Hammer?

  I'm so confused.

• 56:49Speaker 03

  They used it for a few semesters, um, and then I guess I just didn't really talk to them about the borrowing and the, the student loans and so, um, then they, I decided to drop out and not go anymore.

• 57:06Caleb Hammer?

  What are you going to school for?

• 57:08Speaker 03

  Well, I changed my major so many damn times, it.

• 57:11Caleb Hammer?

  Most of the time, what were you going to school for?

• 57:13Speaker 03

  The last thing I was doing was paralegal.

• 57:15Caleb Hammer?

  Why'd you drop out?

• 57:16Speaker 03

  Because I just couldn't do school and work at the same time, so I just stopped going.

• 57:21Caleb Hammer?

  You couldn't?

• 57:21Speaker 03

  Well.

• 57:22Caleb Hammer?

  You're incapable of doing anything that everyone else does, I just want to make sure you're aware of that. According to you, you are incapable of doing anything that anyone else does, here, let's get some, just get some general statistics, huh, get a little general statistics.

• 57:37Speaker 03

  Well, I tried for a long time to work and go to school full time at the same time, and that didn't work. And then whenever I started working, um, and as the years have gone on, I've made more money each year, and so I figured. I'm not really interested in paralegal studies anymore. I I'm

• 57:56Caleb Hammer?

  Anymore? So how often did you fall on and off these memberships? By the way, seventy four percent of people enrolled in twenty twenty were working at least a part time job. Full time students working at least a part time job on the side. So I can't. It's like you can't fucking half pack a box.

• 58:13Speaker 03

  Well, I think I tried for so many years and I I just realized school wasn't for me.

• 58:18Caleb Hammer?

  Well, that part's okay, but let's be honest. That's not the excuse you use. I think you were being honest. You thought you couldn't. You are lazy. You are lazy in every aspect of life.

• 58:32Caleb Hammer?

  Is what we are learning. That may just be a part of your personality. I don't want to say that's okay.

• 58:41Speaker 03

  I think the the the amount of time that I was putting towards school just at the end of it wasn't really worth it for me if I wasn't gonna finish and I didn't want to keep borrowing and I didn't want to, you know, I I kind of decided to choose to focus on working and, you know, growing my career and and doing stuff like that before.

• 59:05Caleb Hammer?

  That part, that part's fine. Okay, so you have the do you have the car?

• 59:10Speaker 03

  Yeah, I have the car.

• 59:12Caleb Hammer?

  Did they pay for it in cash?

• 59:13Speaker 03

  Yes.

• 59:14Caleb Hammer?

  How much?

• 59:15Speaker 03

  It was, I mean, it it used all of it, all of the five twenty nine. So I think it

• 59:22Caleb Hammer?

  I'm getting a value of sixteen thousand now.

• 59:25Speaker 03

  Yeah, it was it was back when

• 59:26Caleb Hammer?

  How's it doing?

• 59:27Speaker 03

  All the, it's good. I am, it was back when the used car market was really bad.

• 59:33Caleb Hammer?

  Yeah.

• 59:33Speaker 03

  So.

• 59:34Caleb Hammer?

  It's still not great, but it is a lot better, even though it's, I honestly don't think it's ever gonna be the what it was again.

• 59:40Speaker 03

  Yeah, it's great. I keep up with the maintenance and and everything and it's

• 59:43Caleb Hammer?

  How many miles we got?

• 59:44Speaker 03

  I think it's at like forty seven or forty eight.

• 59:47Caleb Hammer?

  And what was the car?

• 59:48Speaker 03

  Uh, it's a Mazda three, twenty twenty one Mazda three.

• 59:53Speaker 03

  So, yeah, it's in great condition. It it.

• 59:58Speaker 03

  That's great.

• 59:58Caleb Hammer?

  The mom has given you a thousand five hundred. They paid for the car for you. What else have they, what else do they do for you? What else have they done for you?

• 1:00:07Speaker 03

  Whenever we decided to get married, my fiance and I, um,

• 1:00:11Caleb Hammer?

  Oh gosh.

• 1:00:11Speaker 03

  My mom decided to

• 1:00:13Caleb Hammer?

  I always come back to this.

• 1:00:14Speaker 03

  Take money out of her retirement to pay for our wedding.

• 1:00:17Caleb Hammer?

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

• 1:00:55Caleb Hammer?

  And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free. When you sign up for Simpler Budget Premium Annual. Your mom took money out of her fucking retirement?

• 1:01:24Speaker 03

  Mm hmm.

• 1:01:25Caleb Hammer?

  How much?

• 1:01:26Speaker 03

  Um, so

• 1:01:27Speaker 04

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

• 1:01:39Speaker 05

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

• 1:01:41Speaker 03

  The total?

• 1:01:42Caleb Hammer?

  Why'd you even allow her to? I wouldn't have even accepted that.

• 1:01:45Speaker 03

  Well, I mean.

• 1:01:48Speaker 03

  I figured she was offering and so she

• 1:01:50Caleb Hammer?

  She was offering, but do you know how

• 1:01:53Speaker 03

  She, the way she phrased it

• 1:01:54Caleb Hammer?

  How old is she?

• 1:01:55Speaker 03

  She's sixty-four.

• 1:01:57Caleb Hammer?

  Okay, so she could take it out penalty free at least.

• 1:02:00Speaker 03

  Yeah.

• 1:02:00Caleb Hammer?

  What's her retirement look like-ish?

• 1:02:02Speaker 03

  It's

• 1:02:03Caleb Hammer?

  Best to your knowledge?

• 1:02:04Speaker 03

  I mean, I don't know the exact number.

• 1:02:06Caleb Hammer?

  Best to your knowledge?

• 1:02:07Speaker 03

  Really good. She worked for ExxonMobil for like thirty-five years, so like it's like

• 1:02:12Caleb Hammer?

  What she put to retirement?

• 1:02:14Speaker 03

  It's probably in the millions.

• 1:02:15Caleb Hammer?

  How much did she take out? Really?

• 1:02:16Speaker 03

  Yeah.

• 1:02:17Caleb Hammer?

  Okay, okay.

• 1:02:18Speaker 03

  So she took out, the way she phrased it was that I have enough and I wanna celebrate with you and I wanna do this for you.

• 1:02:24Caleb Hammer?

  Okay, well, that's different, okay.

• 1:02:25Speaker 03

  So she took out eight thousand.

• 1:02:28Caleb Hammer?

  Okay.

• 1:02:28Speaker 03

  Total, and the wedding was, the, the venue was non-refundable. So I think she paid in total seven thousand. Um, that was, you couldn't cancel, you couldn't change the date, you couldn't change the names on the reservation or like the venue. Um, and so she, we had to pay, she paid seven thousand because even, even if, even though it was canceled.

• 1:02:58Caleb Hammer?

  You guys were close, did you like spend money on wedding rings and the dress and

• 1:03:02Speaker 03

  Um, so I actually, I actually bought my dress. And it was like six hundred dollars. So I bought that.

• 1:03:11Caleb Hammer?

  Everything with this fucking relationship, man.

• 1:03:13Speaker 03

  It's on my mom's now. I told her to put it on Facebook Marketplace.

• 1:03:16Caleb Hammer?

  What? It's your mom's now?

• 1:03:18Speaker 03

  No, it's at my mom's. Like it just

• 1:03:20Caleb Hammer?

  And you're having her sell it?

• 1:03:22Speaker 03

  I, I told her if she wants to, she can, but

• 1:03:25Caleb Hammer?

  Okay.

• 1:03:26Speaker 03

  I mean, what am I gonna do with it?

• 1:03:28Caleb Hammer?

  Sell it?

• 1:03:29Speaker 03

  Well, yeah, but

• 1:03:30Caleb Hammer?

  You're the one that doesn't have money, you just borrowed from her.

• 1:03:33Speaker 03

  Yeah, but it's like

• 1:03:34Caleb Hammer?

  I guess you could sell it and put it towards your debt.

• 1:03:36Speaker 03

  I'm just not sure how, um, I don't know. I got it tailored, so I don't know if it, whatever. Um, no, we didn't spend money on the rings because my ring from my stepmom, my dad kind of passed it on to me, so it is my ring. Um, and then she, I think she, when I had the conversation with her that we were going to not get married, I think she was kind of okay with it because she's been married like four times.

• 1:04:03Caleb Hammer?

  Well, yeah, so Really?

• 1:04:05Speaker 03

  Yeah, she just got married to her new husband in September.

• 1:04:08Caleb Hammer?

  Oh, was she prenupt?

• 1:04:10Speaker 03

  I don't know.

• 1:04:13Caleb Hammer?

  Okay, well, we're sitting at about three to five percent interest on these loans. So I'm okay with that minimum monthly payment until it's paid off, but you actually have to pay

• 1:04:21Speaker 03

  Yes.

• 1:04:21Caleb Hammer?

  Minimum monthly payment.

• 1:04:22Speaker 03

  Yes.

• 1:04:24Caleb Hammer?

  The reason I'm okay with the

• 1:04:25Speaker 03

  In February.

• 1:04:26Caleb Hammer?

  Why not before? I mean, the reason I'm okay with holding the five percent again, because it's like, um, I think new users who sign up for the investing app I use, Mu Mu, it's like they get like eight point five percent on their money for like six months and then it's like, then it's like six percent or something. I don't know. It's a, but it's a lot of money. And that beats your student loan. So that's why I'm okay with minimum monthly payment. We can use the money for our investments.

• 1:04:49Speaker 03

  Yeah.

• 1:04:49Caleb Hammer?

  It offsets it. Why am I seeing red on this? You see if I'm seeing red on a document, that means it's bad. Okay. What am I looking at?

• 1:04:56Speaker 03

  Yeah, I think

• 1:04:56Caleb Hammer?

  Capital One. Don't even, don't even spoil it for me. I'm about to get just fucking sneaked up on by this. Okay. What's going on here? Oh, fees forty dollars. Hmm. That's curious. Oh, wait, I don't see a single dollar going towards it. Oh, wait, it's above the credit limit. A thousand five hundred dollar credit limit. We owe Capital One five thou- or one thousand, one thousand five hundred ninety-three dollars and twenty-two cents. Minimum monthly payment, one forty-one. What is that? Normally, what is it normally? How many months are you behind on this? How many months? How many months? How many months are you behind on this?

• 1:05:30Speaker 03

  I think, I think maybe two because the, the monthly payment is like

• 1:05:35Caleb Hammer?

  You don't not make money. You don't not make money.

• 1:05:39Speaker 03

  Yeah.

• 1:05:40Caleb Hammer?

  I noticed that you got in a little predicament with the collections in the past, which you should have taken care of, and that would have prevented you from fucking yourself over when you got into this new place. So your fault, your problem, actually dealing with the consequences of your own actions. Who would have thought? But either way, even with that, you make money where you could have made like a fifty dollar damn payment on this.

• 1:05:57Speaker 03

  Yeah. Um, I

• 1:06:01Caleb Hammer?

  So I'm going to say it's like a normally like a forty dollar payment, right?

• 1:06:03Speaker 03

  It's fifty one dollars.

• 1:06:04Caleb Hammer?

  Okay, sorry.

• 1:06:05Speaker 03

  Yeah, fifty one.

• 1:06:06Caleb Hammer?

  Okay, but you owe a hundred forty-one right now because we're over the credit limit?

• 1:06:10Speaker 03

  Yes.

• 1:06:10Caleb Hammer?

  We're not paying the bills. Thirty-five dollars and fifty-five cents of interest is accruing. And what are these possible fucking purchases on here?

• 1:06:19Speaker 03

  I think that's the one.

• 1:06:20Caleb Hammer?

  An apple. And past due, what are you fucking? Pull up your subscriptions. Let me see in your phone. Nope.

• 1:06:25Speaker 03

  It's my, um,

• 1:06:26Caleb Hammer?

  Let me pull it up. Pull it up. I have a little, I have a little sneaky little peek.

• 1:06:30Speaker 03

  It's really not exciting.

• 1:06:32Caleb Hammer?

  Take a little look.

• 1:06:34Caleb Hammer?

  I'm having a little look, a little, little sneaky little look.

• 1:06:37Speaker 03

  There's only one that's active and it's, it's my.

• 1:06:40Caleb Hammer?

  Well, yeah, but look at all the subscriptions you have signed up for. So, yeah. Head Twitch, Audible, Snapchat, Tinder, a channel membership to Valkyrie YouTube. Meet, meet Curvy?

• 1:06:56Speaker 03

  I think that's a dating app.

• 1:06:57Caleb Hammer?

  It's a thick dating app?

• 1:06:58Speaker 03

  Yeah.

• 1:07:00Caleb Hammer?

  Interesting. They got one for everything. Farmers only. That's where I'm going to find my three tooth.

• 1:07:05Speaker 03

  That's not on there.

• 1:07:06Caleb Hammer?

  No, I said, that's what I'm gonna use to find my three tooth wife.

• 1:07:09Speaker 03

  Three tooth, oh, three tooth wife. Hmm. Only three?

• 1:07:13Caleb Hammer?

  Farmers own, okay. Bumble, more Bumble.

• 1:07:17Speaker 03

  Those are really old.

• 1:07:18Caleb Hammer?

  Facetune, come on.

• 1:07:19Speaker 03

  Those are really old.

• 1:07:21Caleb Hammer?

  Faced, kind of, not really.

• 1:07:23Speaker 03

  The only active one that I have is.

• 1:07:25Caleb Hammer?

  Like literally is a couple of months ago was Bumble, but okay.

• 1:07:28Speaker 03

  My iCloud storage.

• 1:07:29Caleb Hammer?

  But the FaceTune, come on, don't, don't like, you know.

• 1:07:32Speaker 03

  I'm trying to remember why I got that.

• 1:07:34Caleb Hammer?

  Just not for the dating profiles, because that'll like, you just don't, don't. Fucking, ah, you know what I'm talking about? That word for when you look like different, when you open Mixology.

• 1:07:45Speaker 03

  Catfish?

• 1:07:45Caleb Hammer?

  Hinge, Catfish, thank you. Coffee makes bagel, cheese for fuck's sake, you downloaded it every dating app with the, because the coffee made bagel.

• 1:07:51Speaker 03

  I don't know, it wasn't very good.

• 1:07:52Caleb Hammer?

  What's different?

• 1:07:53Speaker 03

  Not anything.

• 1:07:54Caleb Hammer?

  I have hinge and Bumble.

• 1:07:55Speaker 03

  Actually, it wasn't, that was probably the worst one. It's like.

• 1:07:58Caleb Hammer?

  LinkedIn, trying to find a sugar daddy instead.

• 1:08:02Caleb Hammer?

  Everland eBooks and audiobooks. Yeah, those are easier to carry.

• 1:08:05Speaker 03

  That's true. I, I did, um, I did cancel the, um, audiobooks because you can download those from Libby through the library. So.

• 1:08:18Speaker 03

  I did cancel that.

• 1:08:19Caleb Hammer?

  When Jake added up her subscriptions, total was three hundred seventy-two dollars and sixty-five cents. And to YouTube TV $181.58

• 1:08:28Speaker 03

  Oh, yeah. So I subscribe to the NFL Sunday Ticket.

• 1:08:33Caleb Hammer?

  You, you can't afford it. I

• 1:08:35Speaker 03

  I didn't realize I couldn't cancel it.

• 1:08:37Caleb Hammer?

  I have it too, and I love it. And it's great for everyone who wants it.

• 1:08:40Speaker 03

  Yeah.

• 1:08:41Caleb Hammer?

  If they want to watch like the Lions, because I can't watch them down here. It's great. Guess what? You literally are borrowing from your mom for

• 1:08:47Speaker 03

  I know. That was I, I really, yeah, I regret that. Luckily, my best friend's husband gave me half because he used it. Um, but

• 1:08:56Caleb Hammer?

  Well, we're gonna be getting fees every second. Our life on this card. Okay, we got a freedom card, freedom to up our entire life. Which you do have, and you chose to take the freedom, man. You did. $1,949.86 with a minimum monthly payment of 105. Uh, okay.

• 1:09:18Speaker 03

  I think

• 1:09:19Caleb Hammer?

  No, I see fees again. $40 fees and $46.34 of interest. What are we doing?

• 1:09:24Speaker 03

  I was gonna say

• 1:09:25Caleb Hammer?

  Oh, you're at the credit limit. What?

• 1:09:28Speaker 03

  I think the, um, I think the interest, or sorry, I think the minimum, the normal monthly minimum is like 59 or $60. And then I had the, I think I had a late fee on that one. I think.

• 1:09:43Speaker 03

  The only thing I

• 1:09:46Speaker 03

  The only thing that goes on that card is my DoorDash card.

• 1:09:49Caleb Hammer?

  It's a DoorDash and it's maxed the out. How much, how, how, how, how much you spending? Fucking DoorDash.

• 1:09:55Speaker 03

  Well, that is

• 1:09:56Caleb Hammer?

  How much you spending fucking DoorDash?

• 1:09:58Speaker 03

  So

• 1:09:59Caleb Hammer?

  How much you spending fucking DoorDash would be the answer you're gonna give me?

• 1:10:03Speaker 03

  I actually

• 1:10:03Caleb Hammer?

  Twenty twenty four, the full, you, okay.

• 1:10:06Speaker 03

  I went through every single like purchase on there.

• 1:10:08Caleb Hammer?

  What was your year in review for fucking DoorDash?

• 1:10:10Speaker 03

  It was around $3,900.

• 1:10:13Caleb Hammer?

  And we're trying to get off insulin. Okay.

• 1:10:17Speaker 03

  But that's only, that is only the, the, the DoorDash pass.

• 1:10:21Caleb Hammer?

  That's more than a month of your fucking income, going to death, fucking DoorDash.

• 1:10:27Speaker 03

  Yeah. I mean, sometimes it's buying lunch for work and then I get.

• 1:10:33Caleb Hammer?

  No, you pack, you pack, and you pack.

• 1:10:37Speaker 03

  No, no, no, for like team events.

• 1:10:38Caleb Hammer?

  Your team, you pack.

• 1:10:40Speaker 03

  But I get reimbursed, like.

• 1:10:42Caleb Hammer?

  Well, how much would you honestly say?

• 1:10:45Speaker 03

  So sometimes it's.

• 1:10:46Caleb Hammer?

  No, of the four thousand, how much was that?

• 1:10:50Speaker 03

  Maybe five hundred?

• 1:10:52Caleb Hammer?

  Uh huh, okay, it didn't save you, stop.

• 1:10:55Speaker 03

  Yeah.

• 1:10:56Caleb Hammer?

  Stop. It's fucking crazy, dude. Got fees and interest, fucking late fees and just, stop. This is such a mess, you cannot.

• 1:11:07Speaker 03

  I think I need to put things on.

• 1:11:09Caleb Hammer?

  I think you need to cancel fucking DoorDash.

• 1:11:12Speaker 03

  Probably, cuz then I think.

• 1:11:14Caleb Hammer?

  So you said you had therapy, right?

• 1:11:16Speaker 03

  Yes.

• 1:11:17Caleb Hammer?

  Thanks.

• 1:11:18Speaker 03

  Every week.

• 1:11:19Caleb Hammer?

  Is it expensive?

• 1:11:20Speaker 03

  Um, it's eighty dollars a session, so it's like.

• 1:11:25Caleb Hammer?

  We can get you, just like everyone in the audience and I use personally, we can get you three free sessions to Sondermind, but you're already with a therapist, I don't know.

• 1:11:32Speaker 03

  Yeah, I really like her.

• 1:11:34Caleb Hammer?

  I get it. Okay, it's very expensive though. Okay.

• 1:11:38Speaker 03

  Really? I thought that was pretty cheap.

• 1:11:40Caleb Hammer?

  I guess it depends on your insurance in terms of what your copay towards it is.

• 1:11:44Speaker 03

  Yeah, she's in network, yeah.

• 1:11:46Caleb Hammer?

  Um, I mean.

• 1:11:48Speaker 03

  I don't, it might change once I meet the deductible.

• 1:11:51Caleb Hammer?

  My therapy is covered now, but last time I did therapy, covered through insurance, I got through work, cuz I'm assuming you got, you're getting used to work. My copay was forty bucks?

• 1:12:00Speaker 03

  Well, I think once I hit.

• 1:12:01Caleb Hammer?

  But I did take the top option.

• 1:12:03Speaker 03

  Because I started seeing her in December after I'd already hit my deductible and it was zero. So I think once I hit it.

• 1:12:09Caleb Hammer?

  Another capital one?

• 1:12:11Speaker 03

  Yes, I have two capital ones.

• 1:12:12Caleb Hammer?

  Sake, okay.

• 1:12:13Speaker 03

  That minimum is, I think, twenty-five.

• 1:12:17Caleb Hammer?

  Two hundred and ninety-three dollars and thirty-five cents with a twenty-five dollar monthly payment. I can read numbers sometimes. Fifty-seven dollars of purchases. Thank goodness.

• 1:12:27Speaker 03

  That's the one that I put.

• 1:12:28Caleb Hammer?

  Oh, it's maxed out. It's maxed out at your three hundred. Thank goodness the max is only three hundred because you have no ability to not go to the max. You only go to the max. You are obsessed with going to the max. You see the max and you're like, I'm gonna go there.

• 1:12:38Speaker 03

  Yep.

• 1:12:38Caleb Hammer?

  Seven dollars and twenty-seven cents of interest are coming. Fifty-seven dollars and fifty-four cents of purchases. You've purchased on every card so far. Why are we purchasing on fucking cards? We cannot pay. Why are we purchasing on cards that are maxed out? Out, out, out. You owe your mom. Why are you purchasing on fucking cards that are maxed out?

• 1:12:56Speaker 03

  That's when I have my Amazon subscribe and save things on.

• 1:13:01Speaker 03

  That I just need to change the payment.

• 1:13:02Caleb Hammer?

  Okay, start a screen recording and let me see the Amazon account.

• 1:13:05Speaker 03

  Okay.

• 1:13:06Caleb Hammer?

  Let me see. How many dating apps are we gonna see on there? A physical in-person dating app, huh?

• 1:13:12Speaker 03

  I think they sell those there.

• 1:13:13Caleb Hammer?

  Ah, I can see it because this is insane.

• 1:13:17Speaker 03

  So some of these?

• 1:13:17Caleb Hammer?

  How do you think this takes to pay off? This three hundred dollars with only minimum payment without doing purchases, which you're incapable of. Just this.

• 1:13:26Speaker 03

  Maybe two and a half years?

• 1:13:28Caleb Hammer?

  Fifteen months, but that's still insane.

• 1:13:31Speaker 03

  So some of these?

• 1:13:32Caleb Hammer?

  Amazon, Amazon.

• 1:13:33Speaker 03

  My ex still has my Amazon.

• 1:13:35Caleb Hammer?

  Separate, fucking separate lady.

• 1:13:38Speaker 03

  Yes.

• 1:13:39Caleb Hammer?

  Separate. You've already gone on a date with a fucking tall Eastern European man that's gonna conquer the Balkans for Putin again. Like.

• 1:13:51Speaker 03

  He has a very strong feeling about Russians, from what I recall.

• 1:13:54Caleb Hammer?

  Which one? Balkan man? Yeah, they usually do that. So they're a part of NATO. Okay, you got books. You got you're wiping your ass with some toilet paper. Ultra, ultra plus. Ultra, wow, okay. And we got lots of game. Really stocking up on the game.

• 1:14:12Caleb Hammer?

  We have diet indoor, oh, adult cat.

• 1:14:16Speaker 03

  Cat food.

• 1:14:17Caleb Hammer?

  Lots of yarn, lots of more yarn.

• 1:14:22Caleb Hammer?

  Oprah's book?

• 1:14:23Speaker 03

  Uh, those are, that's starting with my ex's or Christmas presents for his family or whatever. No, I didn't pay for those. Those were, he paid for those.

• 1:14:32Caleb Hammer?

  Puzzle for adults, puzzle for adults. Maybe we do need to go on more dates. We got some pens.

• 1:14:39Caleb Hammer?

  plushy things

• 1:14:40Speaker 03

  so

• 1:14:41Caleb Hammer?

  natural forks

• 1:14:42Speaker 03

  I do

• 1:14:43Caleb Hammer?

  Nutrishef? What's a Nutrishef?

• 1:14:45Speaker 03

  I don't know

• 1:14:45Caleb Hammer?

  No nonstick pans Really? You didn't have any shelves? Not once? You didn't have any shelves? You didn't have any bag? You didn't have any cookware?

• 1:14:54Speaker 03

  I needed some

• 1:14:55Caleb Hammer?

  You did not have any crochet stuff with your endless crochet? Oh, more yarn?

• 1:14:59Speaker 03

  I did

• 1:14:59Caleb Hammer?

  Wow, you go through yarn like that?

• 1:15:00Speaker 03

  I do, and I, I, I brought it, I brought it, um, I can show you

• 1:15:05Caleb Hammer?

  You brought your yarn?

• 1:15:06Speaker 03

  No, I brought a blanket I made with the yarn

• 1:15:08Caleb Hammer?

  Is this show and tell?

• 1:15:09Speaker 03

  Yeah I'll show you

• 1:15:11Caleb Hammer?

  I'm back in kindergarten, let's see

• 1:15:13Speaker 03

  And it's really soft

• 1:15:15Caleb Hammer?

  And, okay, better be for the amount of money you spent on it Okay, for really soft, okay Let me give you my full candid Full candid

• 1:15:23Speaker 03

  I made it

• 1:15:24Caleb Hammer?

  Stop?

• 1:15:24Speaker 03

  It's the first blanket I ever made

• 1:15:28Caleb Hammer?

  I have blankets This isn't what I would consider really soft

• 1:15:33Speaker 03

  It's the softest yarn you can buy

• 1:15:34Caleb Hammer?

  Okay, then you need better yarn, because why are there softer blankets?

• 1:15:38Speaker 03

  Well, I don't know, it's made of different material, it's not crocheted

• 1:15:40Caleb Hammer?

  Okay Can you really stay warm with all these holes?

• 1:15:43Speaker 03

  Yeah, it's really heavy

• 1:15:45Caleb Hammer?

  Yeah, it is

• 1:15:45Speaker 03

  So, it's like, it's kinda like a weighted blanket I need to sew those, um

• 1:15:50Caleb Hammer?

  It has like herpes

• 1:15:51Speaker 03

  Yeah, I need to sew those in Also, my cat sometimes

• 1:15:54Caleb Hammer?

  Oh, it's nice, how much did it like cost you in general? Well done, I'm sure that's taken time

• 1:16:00Speaker 03

  Probably cost

• 1:16:01Caleb Hammer?

  Did you make that? That looks like you made that, too

• 1:16:04Speaker 03

  No, this is a, this is a Taylor Swift cardigan

• 1:16:07Caleb Hammer?

  Oh, that's why it looks like, okay

• 1:16:08Speaker 03

  Yeah, yeah

• 1:16:09Caleb Hammer?

  Right

• 1:16:09Speaker 03

  So, hey, this is the cutest one so far But this cost probably forty bucks in yarn And then

• 1:16:16Caleb Hammer?

  I saw yarn purchases like crazy in there

• 1:16:18Speaker 03

  Yeah, so, I accidentally bought the wrong size And one of, one of these was the wrong size

• 1:16:25Caleb Hammer?

  Oh, I think it's cool, I think it's really cool, it's a cool hobby

• 1:16:28Speaker 03

  I was

• 1:16:28Caleb Hammer?

  You keep going, I guess, um The fact is, I, I just struggled with the purchase of it when we're literally borrowing from my mom in order to afford to survive And we're late on every payment, and we're only max out cards, it's like priorities, right?

• 1:16:41Speaker 03

  Yeah

• 1:16:41Caleb Hammer?

  I think it's

• 1:16:41Speaker 04

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

• 1:16:54Speaker 05

  Price and participation may vary, promotion pricing may be lower than meal pricing

• 1:16:56Caleb Hammer?

  Cool, I was memeing on you, I was memeing on that, I don't actually hate it, it's fine, whatever, um, but It's just, you don't have a kid, do you?

• 1:17:05Speaker 03

  No, no, no, that's my niece.

• 1:17:07Caleb Hammer?

  Okay.

• 1:17:08Speaker 03

  No, no.

• 1:17:09Caleb Hammer?

  Well, that would just add a

• 1:17:10Speaker 03

  No.

• 1:17:10Caleb Hammer?

  wild element to this conversation.

• 1:17:12Speaker 03

  Absolutely not.

• 1:17:13Caleb Hammer?

  Okay. Also, Joanne's and Michael's was another sixty seven seventy one.

• 1:17:19Speaker 03

  Yes. I did buy more yarn.

• 1:17:22Caleb Hammer?

  Okay. It's just, it's the priorities. If I'm, I want to support that hobby. I'm good with that hobby. I think it's pretty cool. It's cool to actually produce something physical.

• 1:17:30Speaker 03

  I think that too. I think it's kind of cool.

• 1:17:32Caleb Hammer?

  It's tangible. It's really cool.

• 1:17:32Speaker 03

  Pretty something with your hands.

• 1:17:34Caleb Hammer?

  You can't afford it right now. You can't. You really can't. And this credit card's at thirty point two four percent interest.

• 1:17:41Speaker 03

  Yeah.

• 1:17:42Caleb Hammer?

  You what?

• 1:17:43Speaker 03

  I, I did make my friend um a Christmas gift and she's gonna come watch my cat. When I'm out of town, so.

• 1:17:51Caleb Hammer?

  She would have watched it whether or not you got her a Christmas gift.

• 1:17:52Speaker 03

  I know, but

• 1:17:53Caleb Hammer?

  You know.

• 1:17:53Speaker 03

  But she, but she handcrafted me something and so I wanted to.

• 1:17:57Caleb Hammer?

  That's nice. That's nice. Sometimes we put off things for a little bit. If we can't afford to literally live.

• 1:18:02Speaker 03

  That's true.

• 1:18:03Caleb Hammer?

  I, I, everyone, so I see comments where it's like, oh, Caleb, don't think it's Cancel Spotify. It's fucking, you can't survive.

• 1:18:11Speaker 03

  Yeah.

• 1:18:11Caleb Hammer?

  You're literally not able to afford your existence. It's as simple as that. It really comes down to that base level where you are literally borrowing from your mom to survive. You've done that all throughout life.

• 1:18:25Speaker 03

  So.

• 1:18:26Caleb Hammer?

  Come on, you've got, you've taken different handouts from them. And it's okay that they saved up for you. I'm not, I'm not, but what if you did have to pay for that car? What kind of situation would you be in now?

• 1:18:34Speaker 03

  Yeah.

• 1:18:34Caleb Hammer?

  You're maxed out on the credit cards. You're fucking late on the credit cards. This is a disaster. It's when you put off those special things.

• 1:18:42Speaker 03

  Yeah, I think I would.

• 1:18:43Caleb Hammer?

  Good with the, get the Spotify, get the yarn. When you're not able to when, when you're actually able to live. But you can't. You are not able to survive. And maybe it's as harsh of me. I don't know. Me personally, I'm choosing you keeping a roof over your head over yarn. Crazy, I know, but.

• 1:19:02Speaker 03

  I, I agree. And I think the, the one thing I'm, I'm never late on is rent because I feel like that's the most important.

• 1:19:08Caleb Hammer?

  Now, look how your lates are stacking.

• 1:19:11Speaker 03

  Yeah.

• 1:19:11Caleb Hammer?

  Your lates are stacking. It is a for now equation with you. One thousand two hundred seventy three dollars and thirty four cents on my Best Buy credit card. With a forty six dollar minimum monthly payment. Yikes, yikes.

• 1:19:26Speaker 03

  So that one, um.

• 1:19:28Caleb Hammer?

  How long does this take to pay off?

• 1:19:33Speaker 03

  Maybe six years.

• 1:19:34Caleb Hammer?

  Eight years.

• 1:19:35Speaker 03

  Okay.

• 1:19:37Speaker 03

  So I don't spend on that. I don't spend on that one ever.

• 1:19:41Caleb Hammer?

  Well, thank.

• 1:19:42Speaker 03

  I haven't spent on it.

• 1:19:44Caleb Hammer?

  Barely able to anyway. You can make like a hundred dollar purchase and you'd be.

• 1:19:47Speaker 03

  Yeah.

• 1:19:48Caleb Hammer?

  Interest is a crumen constantly is twenty nine point four nine percent. Why are we in it in the first place? Like, what the did you get?

• 1:19:54Speaker 03

  So I bought a TV.

• 1:19:56Caleb Hammer?

  Sort of TV, but you can get so many cheap TVs these days.

• 1:19:59Speaker 03

  Yeah.

• 1:19:59Caleb Hammer?

  What kind of TV were you kidding?

• 1:20:01Speaker 03

  Like twenty nineteen.

• 1:20:03Caleb Hammer?

  Even still, you could get affordable TVs in twenty nineteen.

• 1:20:05Speaker 03

  It's like a seventy five inch Samsung or something.

• 1:20:08Caleb Hammer?

  Oh, why aren't you getting like a fucking fire or whatever? Dude, in what world when you cannot survive, are you getting a seventy five inch Samsung OLED TV probably?

• 1:20:18Speaker 03

  No, it's not OLED. It's not. It's not. Like, I wish it was, but it's not.

• 1:20:24Caleb Hammer?

  Well, don't upgrade.

• 1:20:27Speaker 03

  I won't until that one breaks.

• 1:20:28Caleb Hammer?

  It's just the priorities, man. I'm not saying don't get it. Don't get it now.

• 1:20:33Speaker 03

  Yeah, I.

• 1:20:34Caleb Hammer?

  You could have got a pretty good four K TV for five hundred bucks.

• 1:20:38Speaker 03

  It is really annoying.

• 1:20:39Caleb Hammer?

  We have sixty to seventy inch four K TVs all over here. I purchased them for like four hundred bucks and they're good.

• 1:20:44Speaker 03

  Yeah, it's really annoying to like move places to because I'm scared it'll break.

• 1:20:49Caleb Hammer?

  Again, something that everyone deals with for fuck's sake, stop.

• 1:20:53Speaker 03

  Well. I'm just saying, I'm just saying that I could have bought a smaller one and that would have been probably a better decision then.

• 1:21:00Caleb Hammer?

  Yes, I agree.

• 1:21:01Speaker 03

  Seventy five.

• 1:21:03Caleb Hammer?

  I have a checking account next, so.

• 1:21:06Caleb Hammer?

  I was very clear with these payments and everything that you're doing. And I'm already seeing every line on here being on just the first page alone being marked as a bull purchase.

• 1:21:16Speaker 03

  Yeah.

• 1:21:16Caleb Hammer?

  You don't know how to budget. You don't know what the debt is. You don't understand the implications. Or the importance of investing. Go through all three of our classes, budgeting, debt and investing. You get it for free. They get it for fifteen percent off, but you get it for literally free. There have been guests that come on the financial audit channel, uh, financial audit follow up channel. They've gone through the classes. They've turned their lives around. There have been those who get it for free so they don't go through it because they don't have that investment.

• 1:21:42Speaker 03

  Yeah.

• 1:21:43Caleb Hammer?

  So they don't go through it and they don't change their lives. Ten thousand people out there have taken it and changed their lives. You can do that same. Take advantage of this literal opportunity like none other of yours right now. This could be your make or break. You have the fucking opportunity. Go through that shit. Take advantage of the resources. Don't piss me off by not.

• 1:22:07Caleb Hammer?

  Two dollars and fifty five cents in this checking account. Yep, the all, there's five purchases on this first page and all of them are highlighted as bullshit. And there's two dollars in our checking account.

• 1:22:22Speaker 03

  So I keep most of my money in my other checking account?

• 1:22:28Speaker 03

  Um, I, I keep it in my other one.

• 1:22:31Caleb Hammer?

  But it's your purchases, dude.

• 1:22:34Speaker 03

  So I try to keep the money on there of the bills that come out on auto pay. And then I put the other money in my other checking account because it has like 3.93% or something. So I figured that's probably a better option than keeping it in that one that doesn't have any percent.

• 1:22:53Caleb Hammer?

  But you had overdraft fees. So fuck you. So whatever percent you're getting is then does not matter.

• 1:22:58Speaker 03

  Yep.

• 1:22:59Caleb Hammer?

  So fuck you. It's as easy as that. Fuck you. You.

• 1:23:05Speaker 03

  Yeah.

• 1:23:06Caleb Hammer?

  Paramount for fucking Paramount? We're overdrafting for fucking Paramount? Taylor Swift shop. Oh, we got one of these. Okay. Here they are. Oh, good. A Patreon. PayPal. PayPal. Doubt it's even our Patreon, is it?

• 1:23:24Speaker 03

  Um.

• 1:23:25Caleb Hammer?

  We literally provide more content in our YouTube membership.

• 1:23:27Speaker 03

  Subscribe to it. Well, not Patreon because you don't have that.

• 1:23:30Caleb Hammer?

  Yes, I do.

• 1:23:31Speaker 03

  Oh, I don't know.

• 1:23:32Caleb Hammer?

  We just like YouTube more.

• 1:23:34Speaker 03

  I meant the YouTube.

• 1:23:37Caleb Hammer?

  And that's the conflicting part of it is you have done. You're not able to survive. We want to offer it for people who want to support the channel and watch all the extra content we produce. We have like so many shows in our membership.

• 1:23:48Speaker 03

  Yeah.

• 1:23:49Caleb Hammer?

  And it's great, but that's the fucking moral dilemma, man. And you're fucking killing me.

• 1:23:55Caleb Hammer?

  You're borrowing from your damn motherf- -mom. Cash app. Disney plus you have every subscription. Uh, Discord, you have every subscription. And there's your NFL bullshit and Venmo overdraft. Overdraft.

• 1:24:13Speaker 03

  Yeah, luckily NFL doesn't come out anymore.

• 1:24:15Caleb Hammer?

  Peacock. More NFL.

• 1:24:18Speaker 03

  I should cancel that. I don't.

• 1:24:18Caleb Hammer?

  overdraft.

• 1:24:19Speaker 03

  I don't watch.

• 1:24:20Caleb Hammer?

  Amazon. Going in and getting some Target. Better be groceries, is it? Cause you never know with Target.

• 1:24:26Speaker 03

  I don't know how much.

• 1:24:27Caleb Hammer?

  Especially with how white you are.

• 1:24:29Speaker 03

  Yeah. How much was it?

• 1:24:31Caleb Hammer?

  One sixty-four.

• 1:24:32Speaker 03

  Oh, I think that was a Christmas gift.

• 1:24:34Caleb Hammer?

  So we're gonna overdraft for a Christmas gift. Well done, guys. We're doing so well. The mall. Spotify. You can listen to ads. You can listen to ads if you're getting unable to pay rent. Well, move. Putting down money for it. If we're late on credit cards, you can listen to ads. If you think it's about Spotify, you're literally it's not about Spotify. You can't pay your bills, so you're able to make a sacrifice. Amazon. Book of the month. Just GPT what the book of the month is. You'll be fine. Google it. You'll be fine. Venmoing out money. Klarna? We're Klarnying? What are we Klarnying? I didn't see a

• 1:25:19Caleb Hammer?

  Klarna?

• 1:25:20Speaker 03

  Uh, I got new shoes, but I paid that off.

• 1:25:23Caleb Hammer?

  Your news? Did you not have shoes?

• 1:25:25Speaker 03

  Um, I didn't have like walking shoes and my undercanologist told me that I should get some. So I can like start walking. And like getting physical activity, but I didn't have any like. All I have is, all I have is like Converse. And, uh,

• 1:25:41Speaker 03

  so I didn't have any like tennis shoes.

• 1:25:46Caleb Hammer?

  Maybe we live different lives, but every shoes I've put on are walking shoes because I walk in them.

• 1:25:51Speaker 03

  Well, I, I came, I came to my endocrinologist.

• 1:25:58Speaker 03

  I went to my endocrinologist and he said that I should get like, like New Balances so that I have like

• 1:26:06Caleb Hammer?

  Oh, hello. New Balances. Isn't that nice?

• 1:26:10Speaker 03

  Yeah.

• 1:26:10Caleb Hammer?

  Ah ha. I can afford them though.

• 1:26:13Speaker 03

  They actually, they

• 1:26:14Caleb Hammer?

  That's the rule.

• 1:26:15Speaker 03

  They're very comfortable and my feet don't hurt whenever I walk a lot anymore because I did.

• 1:26:19Caleb Hammer?

  Well, that's indicative of something else.

• 1:26:21Speaker 03

  No, because I was wearing, so I was wearing these like really like, I don't know, cheap shoes that were not meant for walking.

• 1:26:27Caleb Hammer?

  Okay.

• 1:26:27Speaker 03

  I actually went on a date to like the Trail of Lights and I, um, I didn't realize how much walking that consisted of. I mean, I knew the trail was going to be walking, but you have to walk like a mile and a half from the parking lot just to get to the Trail of Lights.

• 1:26:40Caleb Hammer?

  The whole thing from parking and back is like two miles. You couldn't do two miles?

• 1:26:44Speaker 03

  Well, it was like a mile and a half. I looked at my steps.

• 1:26:47Caleb Hammer?

  Well, that's good.

• 1:26:48Speaker 03

  Um, but in total it was like five miles.

• 1:26:51Caleb Hammer?

  I'm not fully against this, but you're clarned at it.

• 1:26:53Speaker 03

  That's true.

• 1:26:54Caleb Hammer?

  Your minimum with the payment, all your stuff and you're lucky.

• 1:26:57Speaker 03

  I was wearing those really bad shoes and so I went to my endocrinologist just for a normal follow up.

• 1:27:02Caleb Hammer?

  Listen, if the doctor said it, I'm good with it. But again, you're clarning it. It's, it's, it's like the thing earlier. I don't even remember what else. This conversation's been long. Not opposed to you getting it. It's how you did it.

• 1:27:11Speaker 03

  Yeah.

• 1:27:12Caleb Hammer?

  Amazon, Golden Chick.

• 1:27:16Caleb Hammer?

  Now it's going to make walking harder.

• 1:27:17Speaker 03

  Yeah. The spicy tenders.

• 1:27:20Caleb Hammer?

  Give spicy diarrhea.

• 1:27:22Speaker 03

  The jalapeno poppers.

• 1:27:24Caleb Hammer?

  Gambit, Hulu, you have every subscription. More Paramount, Amazon, over Jeffy's a hundred two dollars in the first month of the year.

• 1:27:35Speaker 03

  No, that was December.

• 1:27:37Caleb Hammer?

  Okay. In the last month of the year.

• 1:27:42Speaker 03

  So this is where I keep most of like my money.

• 1:27:46Caleb Hammer?

  Seven hundred fifty-four dollars, most of our money.

• 1:27:48Speaker 03

  Yeah, like anything that's not.

• 1:27:50Caleb Hammer?

  Starbucks, Michael's.

• 1:27:51Speaker 03

  Auto pay.

• 1:27:51Caleb Hammer?

  Michael's, isn't that shoes? That's not shoes.

• 1:27:53Speaker 03

  No, Michael's is a craft store.

• 1:27:54Caleb Hammer?

  Craft stores, yeah, okay, yes.

• 1:27:58Caleb Hammer?

  I go to like the same like two stores. Okay, Thai and sushi, tour dash.

• 1:28:03Speaker 03

  Yeah.

• 1:28:04Caleb Hammer?

  Borrow from Rom Rom to survive, but we're door dashing. Jersey Mike's, Jersey Mike's, Jo- Hans, Jo- Hans. Creative reuse, sushi and Thai, went and got some BS from the gas station, door dashing Dairy Queen. Oh, New York Times.

• 1:28:25Caleb Hammer?

  Mexican restaurant, Michael's Stores, McDonald's, Taco Bell's, Etsy, how, um.

• 1:28:30Speaker 03

  I bought a pattern.

• 1:28:32Caleb Hammer?

  Stop your fucking patterns. How about develop a pattern and pay off debt and not being like gonna die in poverty? Michael's, Starbucks, water burger, sending out fifty bucks. You sending out fifty bucks to?

• 1:28:44Speaker 03

  Um, I don't know.

• 1:28:46Caleb Hammer?

  Peteris, Starbucks, Amazon, Starbucks, sending out money, five bucks. You don't know who you send money to, so I'm not gonna ask again. McDonald's, Starbucks, sending out twenty-five dollars. You don't know where it goes. Starbucks, McDonald's, door dashing, Cabo Bobs.

• 1:28:58Speaker 03

  I think.

• 1:28:58Caleb Hammer?

  More Cabo Bobs.

• 1:28:59Speaker 03

  I think that's me moving money to my.

• 1:29:01Caleb Hammer?

  You go out to eat every single day of your life.

• 1:29:05Speaker 03

  And yes, in December, that was probably true.

• 1:29:07Caleb Hammer?

  Steam purchase. That's not, that's not gonna encourage you to move. Taco Bell, Morse's Team, Target, probably simple with knowing how you do things. McDonald's, McDonald's, Starbucks, Dairy Queen, Chick-fil-A, Taco Bell, McDonald's, Starbucks, Starbucks, Fairy Lou, Cabo Bobs, Home.

• 1:29:26Caleb Hammer?

  Look at this, guys. What are we doing? What are we fucking doing? Target, Books, Peteris, Russell's Bakery, Target, Michael's Stores, Russell's Bakery, Stop Hub, fifty bucks, Amazon, Starbucks, Too Good To Go, Too Good To Go, Amazon.

• 1:29:44Caleb Hammer?

  Starbucks, huh? Huh?

• 1:29:45Speaker 03

  A lot of bread from that.

• 1:29:46Caleb Hammer?

  What?

• 1:29:47Speaker 03

  I got a lot of bread from my Too Good To Go order. I have like a whole loaf in my freezer.

• 1:29:54Speaker 03

  And it was only like ten dollars.

• 1:29:55Caleb Hammer?

  Why are we obsessed with bread? What the are we talking about? Why are we bragging about bread right now?

• 1:29:59Speaker 03

  Well, because then I-

• 1:29:59Caleb Hammer?

  What are you, a duck?

• 1:30:00Speaker 03

  Well, then I can have it in the freezer and-

• 1:30:03Caleb Hammer?

  You know, you can make your own bread for cheaper.

• 1:30:05Speaker 03

  I did try-

• 1:30:05Caleb Hammer?

  Too good to go and that's actual home-

• 1:30:07Speaker 03

  I did try that.

• 1:30:09Caleb Hammer?

  Taco Bell sending out three hundred fifty, forty-eight bucks. Do you know where that went?

• 1:30:14Speaker 03

  So anytime the money moves somewhere, it's me sending money to my Chase checking. Oh, my gosh.

• 1:30:19Caleb Hammer?

  So that we can try to not overdraft even though you overdrafted like four times, right?

• 1:30:22Speaker 03

  Yes.

• 1:30:23Caleb Hammer?

  I think you need to consolidate into one checking account because you cannot manage to save your fucking life.

• 1:30:27Speaker 03

  Yeah, that's probably true.

• 1:30:28Caleb Hammer?

  Whataburger, Alamo, Alamo Drafthouse, Mexican restaurant, McDonald's, Twitch Plus, Twitch Interactive. So you, so I see gaming and Twitch.

• 1:30:38Speaker 03

  Mm-hmm.

• 1:30:39Caleb Hammer?

  Is that a big part of you?

• 1:30:40Speaker 03

  Um, yeah, so I, I, that's actually how me and my ex met. We met on Twitch.

• 1:30:46Caleb Hammer?

  Yeah, well, don't do that again, obviously.

• 1:30:48Speaker 03

  Yeah, um, but yeah, I watch like streamers and I play games sometimes.

• 1:30:52Caleb Hammer?

  Who's your streamer?

• 1:30:53Speaker 03

  Um, I like watching like Valkyrie and Ludwig and-

• 1:30:57Caleb Hammer?

  I know Valkyrie.

• 1:30:57Speaker 03

  Sakuno and-

• 1:30:59Caleb Hammer?

  I know of Ludwig. I have heard Valkyrie's name, don't know her.

• 1:31:01Speaker 03

  Yeah, those are, there, it's a lot of people who used to be really into like the Among Us. Um, when that was kind of popular.

• 1:31:09Caleb Hammer?

  Okay.

• 1:31:09Speaker 03

  And I still watch them.

• 1:31:11Caleb Hammer?

  Money, Alamo Drafthouse, went to Target, Amazon, Amazon, this is crazy, more Etsy. Gotta get some patterns, guys. Went in, got some [BLEEP] in the gas station. Beans Cafe, Beans Cafe, Beans Cafe. Oh, if it isn't, if it isn't fees, if it isn't thirty-four, seventy-six dollars a fee, overdraft.

• 1:31:31Speaker 03

  Well, that's from sending money.

• 1:31:34Caleb Hammer?

  Oh, sending money fees, yes.

• 1:31:37Speaker 03

  Yeah.

• 1:31:37Caleb Hammer?

  Hmm.

• 1:31:40Speaker 03

  I'm curious if I should keep my money in the Chase or if I should keep it in there so I don't, and like move over all my auto.

• 1:31:46Caleb Hammer?

  I don't know, this bank I use, Chase, Chase is fine.

• 1:31:48Speaker 03

  Yeah, but that one gets the interest, so.

• 1:31:51Caleb Hammer?

  Your interest, you're paying overdraft fees that don't matter.

• 1:31:53Speaker 03

  Yeah, but would it be-

• 1:31:54Caleb Hammer?

  Stop!

• 1:31:55Speaker 03

  Keep it in the checking that has interest that versus the checking-

• 1:31:57Speaker 04

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

• 1:32:09Speaker 05

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

• 1:32:12Speaker 03

  It doesn't have interest?

• 1:32:13Caleb Hammer?

  You're overdrafting. I don't care. I did, go to one, I don't care. Just go to one. I don't care.

• 1:32:19Speaker 03

  Okay.

• 1:32:19Caleb Hammer?

  Doesn't matter. You have four thousand dollars in retirement.

• 1:32:22Speaker 03

  I actually have like eight or seven. I have two.

• 1:32:25Caleb Hammer?

  Oh, cuz you have two. Yeah, you have about like eight to nine thousand.

• 1:32:30Caleb Hammer?

  Okay, good. That was an hour and a half. Alright, let's see if we can budget him.

• 1:32:36Speaker 03

  Okay, I have all my numbers.

• 1:32:39Caleb Hammer?

  Oh, she has her numbers. Yeah, she's incapable of following them. Yeah, I'm not gonna trust your numbers.

• 1:32:43Speaker 03

  Well, I have.

• 1:32:43Caleb Hammer?

  Your income, three thousand six hundred dollars.

• 1:32:46Speaker 03

  Thirty four hundred.

• 1:32:47Caleb Hammer?

  Oh, thirty four.

• 1:32:48Speaker 03

  So I have thirty four hundred and then I take out um three twenty from my HSA. But that goes directly to therapy, so it kind of evens out.

• 1:32:57Caleb Hammer?

  Hold on. Oh, okay, okay, okay, okay. But okay, yes, yes, then we'll cross that out. Yeah, yeah, yeah. I'll put therapy under there, but you already have it accounted for.

• 1:33:07Speaker 03

  Yeah.

• 1:33:07Caleb Hammer?

  That minimum is eight forty three eighteen.

• 1:33:13Caleb Hammer?

  Okay, your rent and everything? Uh, rent plus the bullshit fees, yes, yes, yes.

• 1:33:17Speaker 03

  It's like thirteen oh nine.

• 1:33:18Caleb Hammer?

  Okay, thirteen oh nine utilities?

• 1:33:21Speaker 03

  Um, the electric is.

• 1:33:24Caleb Hammer?

  Rent's too expensive. You don't have to live like that here in Austin. I know for a fact.

• 1:33:28Speaker 03

  Uh, electric is twenty five. And then AT and T internet sixty.

• 1:33:34Caleb Hammer?

  Is there any gas?

• 1:33:35Speaker 03

  No.

• 1:33:37Caleb Hammer?

  Twenty five for electric is really cheap.

• 1:33:39Speaker 03

  That was my first bill. I'm not sure what.

• 1:33:40Caleb Hammer?

  Oh, it's gonna go up. I'm gonna mark it as.

• 1:33:42Speaker 03

  Maybe forty.

• 1:33:43Caleb Hammer?

  I'm gonna call it seventy five. Gas, room, room, drive, drive.

• 1:33:46Speaker 03

  Um, probably about forty five dollars.

• 1:33:48Caleb Hammer?

  Phone bill?

• 1:33:49Speaker 03

  Uh, it is one fifteen.

• 1:33:51Caleb Hammer?

  How? What is with people?

• 1:33:53Speaker 03

  I have a, I have this.

• 1:33:55Caleb Hammer?

  Cuz you financed it.

• 1:33:56Speaker 03

  Yeah.

• 1:33:56Caleb Hammer?

  Oh, my gosh, they have.

• 1:33:57Speaker 03

  I think it's almost done. I think I have.

• 1:33:59Caleb Hammer?

  Good, when it's done, switch to fucking helium. Fifteen bucks a month. Same towers as T-Mobile. What is it for now? Again?

• 1:34:05Speaker 03

  Uh, one fifteen.

• 1:34:06Caleb Hammer?

  That's insane. How do people pay so much for that crap? Car insurance?

• 1:34:10Speaker 03

  Um, one thirty seven.

• 1:34:13Caleb Hammer?

  TP fun hundred bucks. Anything else you need to survive all the Taylor Swift you need? Plus toilet paper. What's the difference? Food $300 a month. Use our budget friendly cookbook. Oh, it's right here. Look at that. There it is. There it is. You get it with the simpler money premium or the simpler budget app. When you sign up for premium and you get the digital version of the cookbook and workout physical option as well, but uh, check that out. Medical, we have the therapy. Anything else? Well, yeah, what's your co-pay? Well, like, what are we putting there?

• 1:34:43Speaker 03

  I would probably give like 125 a month for

• 1:34:46Caleb Hammer?

  Extra?

• 1:34:47Speaker 03

  Yeah, for like all my

• 1:34:48Caleb Hammer?

  Okay.

• 1:34:49Speaker 03

  medicines and stuff that I need.

• 1:34:50Caleb Hammer?

  Perfect. How much you need?

• 1:34:52Speaker 03

  Uh, so it's insulin. I have a sensor that's like 70 bucks for a month. I have like other

• 1:34:58Caleb Hammer?

  No more DoorDash.

• 1:34:59Speaker 03

  Okay.

• 1:34:59Caleb Hammer?

  Little more trail lights.

• 1:35:00Speaker 03

  Yes. Well, that's done, but yeah.

• 1:35:03Caleb Hammer?

  Yeah, but you can repeat that. You can do it. The whole thing. Listen, I know I've been joking and some people are gonna see it as me insulting and stuff like that. This is is as I'm going through the process as well. I'm like finally starting to take some things a little seriously after some conversations and whatnot. So only a couple of weeks in, whatever. It doesn't matter. But either way, I mean, it's just, it's seriously just, I want you to live a long life.

• 1:35:24Speaker 03

  I think

• 1:35:24Caleb Hammer?

  And I'm not gonna baby you and I want you to live a long life and a financially healthy life and it's not, let's just be real. It is not okay for someone to just hear and say, it's okay.

• 1:35:35Speaker 03

  Yeah.

• 1:35:35Caleb Hammer?

  It's okay. It's not okay. You're objectively unhealthy. I'm objectively unhealthy.

• 1:35:40Speaker 03

  Yeah.

• 1:35:40Caleb Hammer?

  Let's take control of this. Let's acknowledge it. Let's not hurt ourselves for it. Like no one's so fucking suggesting that. But let's work on it. That'll help lower your costs and I want you, you're gonna put in so much work to get out of debt. I want you to actually live a long life in order to reap the benefits, right?

• 1:35:56Speaker 03

  Yeah.

• 1:35:56Caleb Hammer?

  Cause what's the point of getting out of debt, saving for retirement if you won't retire?

• 1:36:01Speaker 03

  I think I, I think if I cancel the DoorDash pass, that will really deter me from ordering.

• 1:36:06Caleb Hammer?

  I hope so. Delete the app.

• 1:36:07Speaker 03

  Because the fees, like after I see the fees, I'm like, actually, no, I really don't want to order that. But I think because the

• 1:36:12Caleb Hammer?

  You're just gonna follow the cookbook and you're gonna make our budget

• 1:36:14Speaker 03

  I did unpack all of my cooking supplies, so

• 1:36:17Caleb Hammer?

  Well, that's the basic necessity. I'm not gonna high five you. What is your pet food?

• 1:36:24Speaker 03

  Um, probably about $30 a month.

• 1:36:27Caleb Hammer?

  Okay. On a monthly basis, actually not the therapy because that's

• 1:36:32Speaker 03

  It cancels, yeah, it cancels itself.

• 1:36:33Caleb Hammer?

  $3,134.18.

• 1:36:37Caleb Hammer?

  So the 3,400, you have an extra 265, 82 left on a monthly basis. That's, that's brutal living. With that, I mean, even if we minus the student loans.

• 1:36:48Speaker 03

  Just 132.

• 1:36:50Caleb Hammer?

  Actually, you're bad debt. We talked a lot about a lot of debts, but they don't add up too much. At 10,136, it's still horrendous. What?

• 1:36:56Speaker 03

  I shouldn't pay my student loans? Why are we subtracting it?

• 1:36:58Caleb Hammer?

  Because you're doing minimum monthly payments until they're paid off. I'm trying to figure out what it would take to pay off the rest of this stuff.

• 1:37:04Speaker 03

  I see.

• 1:37:04Caleb Hammer?

  As hard as possible. Without any fun money, it would still take 38 months, even for just 10,000 hours. And 10,000 hours is substantial, but it's low compared to a lot of people on the show, and it's a low for how many deaths we went through. That still takes three years. Three years to pay off. And then your student loans, it's probably going to take like, uh, probably like seven more years. Then you gotta save up for an emergency fund. This is probably three years and three quarters. So you can do that. The reality of your situation, probably going to need to pick up a part-time job or something.

• 1:37:32Speaker 03

  I, I'm probably getting a raise in April.

• 1:37:35Caleb Hammer?

  Raise is gonna be good. I don't think it's gonna stretch far enough. I need you to bring an extra 750. Buddy, you can knock this down on under a year if you bring in an extra 750, not a year, three years or a year.

• 1:37:46Speaker 03

  Yeah.

• 1:37:47Caleb Hammer?

  I choose a year. Call it a year and a half, and you got fully funded emergency fund. You can stop that job. And your life has changed. And you can 50, 30, 20 until retirement, and your life has changed. You just need to take control. Here's the summaries of the conversation. You're lazy beyond lazy. You make endless excuses that everyone, just doing the things that everyone goes through. And you're just not, so far haven't been willing to put in the effort. If you do, we can get you out of debt in a year. Even if you put in the minimum effort required, you can do this in three years, but you can, you can do more than that. So.

• 1:38:22Speaker 03

  Should I put, should I be putting like the, I get a stock payout every, um, quarter? Should I put that towards? A certain debt or?

• 1:38:32Caleb Hammer?

  We'll bleep it. What's the stock?

• 1:38:34Speaker 03

  It's with my company.

• 1:38:37Caleb Hammer?

  Okay.

• 1:38:37Speaker 03

  It's it's about 700 every quarter.

• 1:38:41Caleb Hammer?

  What are they giving you? What discount are they giving you on it? Or is it just free?

• 1:38:45Speaker 03

  Yeah, it's it's like part of my package of employment.

• 1:38:48Caleb Hammer?

  Yeah, that's fine. I I think so. Well, well, but how much? Okay. I see.

• 1:38:53Speaker 03

  So it's 700 every quarter and I choose when I get the money sent to have them take out the like taxes and stuff upfront.

• 1:39:01Caleb Hammer?

  Let's not make or break for you. You can.

• 1:39:04Speaker 03

  Okay.

• 1:39:05Caleb Hammer?

  You can. Yeah, it's not make or break. You can. I would go get that extra 750 bucks in that on a monthly basis. All right, guys, make sure to join us in the post show. That's where we have an extra 20 minutes of fun after every episode. And usually we uncover something big as well because the producers, they know everything about your life. And I don't. There's always things missed. And we got like over a thousand hours of extra content. Make sure you join Hammer Elite for the best value of your dollar. Okay. Spending your budget. Let's get your Hammer Financial Score. Spending your budget.

• 1:39:35Caleb Hammer?

  Yo. Oh. Didn't even go over it, dude. It's crazy. Let's find out. We know your income. And you spent $9,000. Okay.

• 1:39:46Caleb Hammer?

  Dude.

• 1:39:46Speaker 03

  Well, that's with all the

• 1:39:47Caleb Hammer?

  Zero out of 10.

• 1:39:48Speaker 03

  House stuff.

• 1:39:48Caleb Hammer?

  Yeah, it's with all the money that went out. And we also know you spent $900 going out to you.

• 1:39:52Speaker 03

  Yeah.

• 1:39:54Caleb Hammer?

  Zero out of 10 debt. No collections right now, right?

• 1:39:57Speaker 03

  No collections.

• 1:39:58Caleb Hammer?

  The debt's bad. I think we get out of it relatively easy. As far as that goes, it's more of a two out of 10. Emergency fund. Nothing saved. Zero out of 10. Retirement barely started. I'm gonna say, well, with the $8,000 with where you are with your income. 27. I'm gonna give you about a three out of 10 there. Because we are going for retirement for age and then real estate zero out of 10 for now. It's gonna be a Hammer Financial Score, one out of 10. Guys, we'll see you in the post show and don't forget to download the new simpler budget app. You get a free trial and it's great automatic connections. Actually change your life for the first time forever.