Girl Math Final Boss

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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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• 0:30Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How's your business going this year?

• 1:06Speaker 03

  I want to say roughly [BLEEP].

• 1:08Caleb Hammer?

  You spent $4,000 getting this up and running?

• 1:10Speaker 03

  I spent more than that.

• 1:11Caleb Hammer?

  How much did you spend then? How much?

• 1:13Speaker 03

  Probably [BLEEP].

• 1:14Caleb Hammer?

  Oh, you're dead.

• 1:15Speaker 03

  But you have to spend money to make money in a business standpoint. I call it girl math. I don't know.

• 1:20Caleb Hammer?

  There's no [BLEEP] way. You kidding me? That's an entire year's...

• 1:25Speaker 03

  Okay, then don't ask.

• 1:27Caleb Hammer?

  Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial today at dollarwise.com. Join the tens of thousands of people who've changed their lives enjoying Dollar Wise Central right now for free.

• 1:43Speaker 03

  Hi, my name is Mackenzie. I'm 26 years old from Melbourne, Florida, and this is Financial Audit.

• 1:49Caleb Hammer?

  Thanks for coming over from Florida. What do you do for a living there?

• 1:52Speaker 03

  Um, so I actually work a couple of jobs. I work about four or five jobs. Um, my

• 1:56Caleb Hammer?

  Like five hours a week at each or?

• 1:58Speaker 03

  Uh, no, I wish. Uh, no, actually I work multiple jobs, multiple days a week. So my main job is I work as a nail tech. Um, but then I also work a part-time job at a burrito restaurant. Um, I also DoorDash. I also Petsit and then I donate plasma on the side.

• 2:16Caleb Hammer?

  So it's mostly all hustle except for the, the burrito place.

• 2:20Speaker 03

  Kind of.

• 2:21Caleb Hammer?

  The other ones are kind of the self hustle. When you're a nail tech, it's still building your own clientele, right?

• 2:24Speaker 03

  Yes.

• 2:25Caleb Hammer?

  For you? Okay. So, I mean, working those jobs, I mean, they're mostly just self hustle jobs. Which I thought we were gonna say, okay, I'm working at McDonald's, I'm a receptionist, I, a nurse, and I do, like, all these extra jobs. You know, I leave Chipotle to go to Wendy's for my next shift.

• 2:44Speaker 03

  No.

• 2:44Caleb Hammer?

  But these are just side hustle jobs. These are entrepreneurial.

• 2:47Speaker 03

  I mean, I still look at it as, I mean, it

• 2:50Caleb Hammer?

  They are separate, they are separate jobs. It's not what it's set up to be.

• 2:53Speaker 03

  Choice, but I guess, yeah.

• 2:55Caleb Hammer?

  Well, how's that career working?

• 2:57Speaker 03

  Um, well, I'm still pretty new into it.

• 2:58Caleb Hammer?

  How new has it been? If you're 26, how long have you been doing it?

• 3:01Speaker 03

  I'm in my second year, but I am in my first year of being in business on my own.

• 3:06Caleb Hammer?

  Okay, why one year of not being in your business of your own, did you immediately go into the business of your own?

• 3:11Speaker 03

  So I, straight out of school, I started off in two salons. Um, I was in the, one of the salons for a couple of months. It didn't really work out very well. And then I

• 3:19Caleb Hammer?

  Didn't work out very well, why?

• 3:21Speaker 03

  Just didn't mesh very well with the owner.

• 3:23Caleb Hammer?

  Go on.

• 3:24Speaker 03

  So she, she was actually one of my teachers in school.

• 3:29Speaker 03

  Offered, you know, we had talked about it, offered me a place in the salon and took it. And I honestly really don't know. It just

• 3:36Caleb Hammer?

  Oh, come on.

• 3:37Speaker 03

  No, I really don't. Out of nowhere, the one day we, my roommate and I actually worked there together.

• 3:42Caleb Hammer?

  What happened?

• 3:43Speaker 03

  I'm not joking. I was at a, I think it was like a Memorial Day party or whichever one is in like later in the year. I don't remember. But Labor Day.

• 3:53Caleb Hammer?

  Go on.

• 3:55Speaker 03

  Um, but we literally got a text message saying that she was not renewing our contracts for the month.

• 4:01Caleb Hammer?

  Oh, there we go. Okay. So it wasn't, you weren't meshing well. It's maybe you were not a good employee or she had to scale back her business. So she was going in a different direction. So come on. I mean, that's an immediate, immediate mislead of the conversation.

• 4:12Speaker 03

  She still was an educator at the school and I did, my sister went to that school.

• 4:15Caleb Hammer?

  I don't get it.

• 4:17Speaker 03

  The thing she was saying.

• 4:18Caleb Hammer?

  My teacher from high school has to hire me to.

• 4:20Speaker 03

  High school.

• 4:21Caleb Hammer?

  No, I am saying my, okay, my teacher from college has to hire me to go work at the college. Like what the you're talking about?

• 4:25Speaker 03

  No, but my sister still went there. And so she was kind of running her mouth about how we were not like, she didn't like us, like working there and things were saying, things were happening between.

• 4:36Caleb Hammer?

  I'm sorry to hear that, but no one is entitled to keep their job if their boss does not like them. Sorry.

• 4:42Speaker 03

  Yeah.

• 4:43Caleb Hammer?

  Her business.

• 4:44Speaker 03

  Yeah. But I mean, when you're bringing in business, I think it is a little bit different.

• 4:48Caleb Hammer?

  Clearly it wasn't enough though. And she is able to do better with someone else.

• 4:51Speaker 03

  But if I'm able to sustain her business while she's working another job, then.

• 4:54Caleb Hammer?

  It wouldn't be that. The money would win. Clearly you were not doing enough. Listen, and if you were, your business would be successful and you're working three other jobs. So I would assume it's not. So tell me what's going on with this one year of nail tech.

• 5:06Speaker 03

  Um, so I was in the other salon that I started out, straight out of school. I was in the second salon also. And was there for about a year.

• 5:18Speaker 03

  It was great at first and then things just kind of started not aligning very well. I think everybody was kind of going in their own different directions. Things just kind of started taking a turn for the worse in the salon. And so I was kind of already looking at other options.

• 5:31Caleb Hammer?

  It seems to be everything except for you, by the way. Why is it always things are going wrong somewhere else?

• 5:36Speaker 03

  Well.

• 5:36Caleb Hammer?

  I like immediately picking up on this. Why is it those who are like a victim and everything in life and nothing else is their fault are the ones who usually end up in the worst position? I, the people that come on the show. Oh, it's almost like it's a, it's like something's going on. It's like that mindset gets you nowhere. Hmm. Who would have thought? I don't know.

• 5:53Speaker 03

  I'm trying my hardest. I do have glitter in my hair.

• 5:57Speaker 03

  Um, no, I'm, I mean,

• 5:58Caleb Hammer?

  So how's your business going this year? Your first year in business on your own, tell me.

• 6:05Speaker 03

  Um, so it's only been a couple of months.

• 6:08Caleb Hammer?

  You told me it was a year.

• 6:09Speaker 03

  Well, this, this is, I'm in my first year of being.

• 6:13Caleb Hammer?

  Okay, so what's happened these last two months then, lady?

• 6:16Speaker 03

  Um, I'm doing okay.

• 6:19Caleb Hammer?

  What's okay?

• 6:21Speaker 03

  I mean, my books are not full.

• 6:23Caleb Hammer?

  Can you tell me how much you made last month?

• 6:25Speaker 03

  Last month?

• 6:26Caleb Hammer?

  Uh, just your own nail tech business. What are you even doing it out of?

• 6:31Speaker 03

  Um, I, I, I do have a suite mate. We rent a business suite together that we operate out of.

• 6:37Caleb Hammer?

  Right.

• 6:37Speaker 03

  So, um,

• 6:38Caleb Hammer?

  So what did you make last month?

• 6:40Speaker 03

  I want to say roughly 500. It, it varies month to month. So it's, it's.

• 6:44Caleb Hammer?

  500 varies month to month. It's been two months.

• 6:47Speaker 03

  Yeah. I mean, it's varied month to month since I started.

• 6:52Speaker 03

  It just is dependent on business.

• 6:53Caleb Hammer?

  $500.

• 6:55Speaker 03

  Yeah.

• 6:56Caleb Hammer?

  Okay. So in terms of your four jobs, I'm hardly considering that one of them.

• 7:01Speaker 03

  Okay.

• 7:02Caleb Hammer?

  It's a hobby that brought in a little extra.

• 7:06Speaker 03

  I'm trying to build a new career.

• 7:10Caleb Hammer?

  There's a million nail techs. I'm sorry. It's gonna be an incredibly competitive field. I'm not saying you can't make it, but come on, $500. $500 a month. You weren't able to pull any of your clients from your previous locations?

• 7:20Speaker 03

  I did pull some of them.

• 7:22Caleb Hammer?

  Only $500 worth, so clearly none.

• 7:25Speaker 03

  Yeah, but I mean, people don't get their nails done every day. I mean, I had you, they typically come in three, three to four weeks at a time. I'm trying.

• 7:33Caleb Hammer?

  I'm trying. Interesting. It's an interesting philosophy.

• 7:36Speaker 03

  I, I mean, what, what else am I supposed to do? You may go drag people off the street.

• 7:40Caleb Hammer?

  For someone else and build up a larger clientele for over a course of a few years.

• 7:43Speaker 03

  Offer a decent like commission pay.

• 7:46Caleb Hammer?

  Yeah, you make $500.

• 7:47Speaker 03

  Yeah, but that's better than me going in and making a 30% commission.

• 7:50Caleb Hammer?

  30% commission with more clients.

• 7:53Speaker 03

  But it's not guaranteed because even some of the girls.

• 7:54Caleb Hammer?

  How much a month are you making on average in the previous position? You were bringing in a lot of clients. You were just jerking yourself off. You're incredible for that business.

• 8:01Speaker 03

  Um,

• 8:02Caleb Hammer?

  I was the queen. I did all the nails. I brought in all the ladies. I supported her business myself.

• 8:11Speaker 03

  Um, again, it just kind of varied on depending on who needed

• 8:16Caleb Hammer?

  Go on.

• 8:16Speaker 03

  Six to $800 a month.

• 8:18Caleb Hammer?

  Okay, so no, you weren't actually a very good employee. I'll be honest. Okay, so it sounds like no, this is not working. You have to build this up over longer and now you're renting a suite. Okay, that $500 you brought in. Go ahead then. What's your rent?

• 8:32Speaker 03

  Um, so the way that me and my suite may have it worked out.

• 8:35Caleb Hammer?

  Yeah, go ahead. What's your rent?

• 8:36Speaker 03

  The full rent is 542 or 742 a month. Sorry. Split between the two of us.

• 8:43Speaker 03

  And then she just takes a

• 8:44Caleb Hammer?

  You brought in five.

• 8:45Speaker 03

  Commissionable. Well, that's after she takes my commission to cover my part of the rent.

• 8:50Caleb Hammer?

  Why is friction so weird? Instead of just paying half the rent? Okay.

• 8:54Speaker 03

  I offered to do it that way. This was the way that she chose and said that it would be easiest to do is she just takes a percent.

• 8:59Caleb Hammer?

  No, but she might make more money out of it somehow if it gets overly convoluted and you both don't understand it.

• 9:07Speaker 03

  I think neither of us really have an understanding of it, but we're just kind of winging it and hoping for the best.

• 9:12Caleb Hammer?

  Colton's telling me right now, I mean, just the salon you had after the salon that you got fired. Yeah, it was, you were kind of mentioning that you had bad vibes. Well, from you in the conversations, you had bad vibes. So you just left.

• 9:25Speaker 03

  Yes and no.

• 9:27Caleb Hammer?

  Yes and no. So I mean, that's what you've told the producers. So yeah, let's go ahead, backtrack now that we're on camera. Let's do that.

• 9:33Speaker 03

  So yes, I left, but I wasn't originally planning on leaving fully from them. I had originally told them that I was going to step down to one or two days a week.

• 9:44Caleb Hammer?

  So what happened?

• 9:45Speaker 03

  Um, I just wasn't loving it.

• 9:47Caleb Hammer?

  It was a bad vibe.

• 9:48Speaker 03

  My suite mate had made the decision on her own that she was going to kind of step out and do her own thing and offered me a place to do that with her. So I decided to take a leap of faith when I probably shouldn't have, but I did.

• 10:04Caleb Hammer?

  Oh, you jumped and now you can just hit the rocks at the bottom.

• 10:07Speaker 03

  Yeah. Um, but I let them know that, hey, you know, I'm gonna be dropping down to one or two days a week. And, you know, just to try and keep supporting you guys.

• 10:16Caleb Hammer?

  Didn't you?

• 10:17Speaker 03

  Because, um, a couple of hours later that day, they sent out a message saying that they were actually just gonna close the salon. So they gave us till April.

• 10:26Caleb Hammer?

  That's weird.

• 10:26Speaker 03

  Yeah, so.

• 10:27Caleb Hammer?

  Okay, so $500 a month. It says that after equipment as well.

• 10:31Speaker 03

  Yes.

• 10:32Caleb Hammer?

  I doubt it. Come on. Are you actually budgeting that? There's no way you'd be budgeting that properly.

• 10:36Speaker 03

  Most of my stuff was bought in bulk upfront. So there's, I have minimal costs.

• 10:41Caleb Hammer?

  You're not aggregating it month to month? Or are you just, are you running it net month to month? So you have the boom big expense that covers the next few months, but you just count it against that month? Or are you counting it against the other months as you use the supplies?

• 10:52Speaker 03

  No, it's just kind of a one.

• 10:53Caleb Hammer?

  How much did that cost? That big one time cost?

• 10:56Speaker 03

  To start?

• 10:56Caleb Hammer?

  Yes, because you're only two months in. So you did this, I'd guess, uh, two months ago. How much was that one time cost?

• 11:04Speaker 03

  Several thousand dollars.

• 11:05Caleb Hammer?

  Okay, I'm gonna [bleep] die. That's wonderful. We have a really good entrepreneurial spirit in this country and I love it. I love entrepreneurs. Let's [bleep] go out there and grind and do [bleep]. But oh my goodness, so many people do this in such a stupid [bleep] way. Listen, you didn't have a big supply of clientele that are able to come in and make up for those who don't come weekly, monthly, daily, all that stuff. Okay, you didn't build up enough people. You only worked at a place for a year and you honestly weren't doing very well there. If we're being honest, you were fired. So, great. And you immediately decide, yeah, let me get on this legal contract to split, split a lease with someone for how long, by the way?

• 11:44Speaker 03

  It's a one year lease.

• 11:45Caleb Hammer?

  Thank [bleep] at least you have that. But even still, one year you committed to it.

• 11:48Speaker 03

  I did.

• 11:49Caleb Hammer?

  Better than most commercial, usually minimum three. But either way, and then you're like, wow, let me go ahead and spend $2,000 that I certainly don't [bleep] have. That has to be in this debt somewhere. No way it's not. To go ahead and get this up and running. Oh, good. That takes four months to pay off at a minimum. Meaning we only get to see money eight months of the year. And that's, I mean, honestly, how long will these supplies last? How many months at this rate?

• 12:13Speaker 03

  Um, I mean, they'll, they'll last a good while. I mean, because nail polish is-

• 12:17Caleb Hammer?

  A good while is an interesting timeframe. I would love to dial that into a number.

• 12:22Speaker 03

  I mean, a year.

• 12:23Caleb Hammer?

  Okay, so eight months is the realized profit we're able to get from that. Now, I doubt you're setting any money aside for taxes. Of course. Great, so let's talk about burritos then. First of all, I will actually, for $500, how many hours are you working for that $500?

• 12:41Speaker 03

  Um, I have a standard of about eight hours set open for my books for that day, but I'm not always.

• 12:48Caleb Hammer?

  No, no, no, tell me how many, no, no, no, no. Tell me how many hours you worked last month in order to bring in that $500. How many, how many hours you worked?

• 12:54Speaker 03

  So it's five days a week on average of about eight hours is what my books are open, but I don't have clients.

• 13:00Caleb Hammer?

  Tell me how many hours you worked last month? Did you not understand the question I literally just asked? I just had to repeat it, I'm sorry.

• 13:06Speaker 03

  Um.

• 13:07Caleb Hammer?

  How many hours in this previous month did you work that brought in $500?

• 13:13Speaker 03

  Total, maybe 80.

• 13:18Caleb Hammer?

  The is wrong with you?

• 13:20Speaker 03

  I don't know, that's a guess.

• 13:22Caleb Hammer?

  Okay, so you made $6.25 an hour.

• 13:24Speaker 03

  Mm hmm.

• 13:28Caleb Hammer?

  Time to put the nails in the bag, girl.

• 13:32Speaker 03

  You're not the first person to tell me that.

• 13:34Caleb Hammer?

  A real job next. Okay, we're going to work in a real job.

• 13:39Speaker 03

  Okay.

• 13:39Caleb Hammer?

  So let's talk about a real job, burritos. How many hours a week are you working burritos? And what are you making with burritos?

• 13:47Speaker 03

  Um, so I work an average of about 20 hours a week. Um, and then I make 15 an hour plus tips.

• 13:54Caleb Hammer?

  So to be clear, you make three times what you make, yeah, three times what you make in the nails for hourly? And you work just as many hours doing that? Cool, what is on your paycheck from burritos?

• 14:07Speaker 03

  Uh, two weeks paycheck if I work the full 20 hours.

• 14:10Caleb Hammer?

  Why the would you not be?

• 14:12Speaker 03

  If I'm, if I'm out of town or if I have other things going on.

• 14:15Caleb Hammer?

  Town, who the are you? You have debt, you make no money, you're trying to build a business and it's failing.

• 14:19Speaker 03

  All of my family's out of town.

• 14:20Caleb Hammer?

  That sucks, they should come in. You're trying to be an entrepreneur that requires sacrifice.

• 14:24Speaker 03

  I do also try to, to do like local events and stuff like that. So if I have stuff like that on the weekends to try and.

• 14:31Caleb Hammer?

  Local event?

• 14:32Speaker 03

  Um.

• 14:32Caleb Hammer?

  Back scratching with new nails?

• 14:34Speaker 03

  So like, you know, we just did one recently that was like a women's day event to try and

• 14:40Caleb Hammer?

  Women's Day.

• 14:41Speaker 03

  Yeah, so it was a bunch of local, local, local women, but local businesses as well. So we tried to do that to try and get the business out there and get names out there.

• 14:50Caleb Hammer?

  Okay, that didn't work.

• 14:52Speaker 03

  Yeah.

• 14:53Caleb Hammer?

  It's almost like that was a waste of time.

• 14:54Speaker 03

  Yeah.

• 14:55Caleb Hammer?

  It's almost like probably half the businesses at the women's day event are nail techs.

• 15:00Speaker 03

  Actually, it was the only one.

• 15:02Caleb Hammer?

  Surprising.

• 15:03Speaker 03

  Yeah.

• 15:04Caleb Hammer?

  And yet it still didn't work. So

• 15:05Speaker 03

  Yeah.

• 15:06Caleb Hammer?

  That's, that's even bigger alarm bell.

• 15:08Speaker 03

  Yeah.

• 15:08Caleb Hammer?

  Okay, so yes, what hits if you work your full 20 hours a week, which you better do.

• 15:14Speaker 03

  Uh, I think it's right around 500.

• 15:20Caleb Hammer?

  So 1,000 a month?

• 15:21Speaker 03

  Yeah.

• 15:23Caleb Hammer?

  Oh, boy. Okay, then let's talk about, what was it? DoorDash Uber Eats, one of those?

• 15:27Speaker 03

  Yeah.

• 15:28Caleb Hammer?

  Which one?

• 15:28Speaker 03

  DoorDash.

• 15:29Caleb Hammer?

  Okay, DoorDash. Yes. How many hours are we doing with there?

• 15:34Speaker 03

  Um.

• 15:35Caleb Hammer?

  It's variable, so give me average.

• 15:37Speaker 03

  It is. Um, I'm actually just getting back into it because I had a whole debacle with my car situation. So the last several months I haven't been able to do that, but I did recently start doing that again. I tried to do it. I try to go at least like five, 10 hours a week, usually just whenever I get off.

• 15:57Caleb Hammer?

  Why don't you pick more hours up at burrito?

• 15:59Speaker 03

  Cause I don't want to take away from my time at the salon.

• 16:02Caleb Hammer?

  Well, you should, because you make three times more money making burritos.

• 16:05Speaker 03

  Yeah, I, I'm trying, hustling as hard as I can. I am, I, I guess I'm trying to grow.

• 16:11Caleb Hammer?

  I'm sorry, but.

• 16:12Speaker 03

  Too hard, but I.

• 16:13Caleb Hammer?

  Grow boss a little too hard. Okay, listen, I hustle with, I'm good with hustle. Hustle's good. You're achieving nothing and going backwards. There are realistic conversations we need to be able to have with ourselves.

• 16:24Speaker 03

  Mm hmm.

• 16:25Caleb Hammer?

  I'm not saying don't do nail tech. I'm saying maybe do it for someone else for five years, build up a list of clientele that are obsessed with you. Then go off on your own. You rushed this. You got fired from a job because you weren't very good at it and you're probably a brat to work with and everything's everyone's someone else's fault. Is um honestly kind of how you open this conversation before being completely honest. And then you left another job because it had bad vibes. So yes.

• 16:48Speaker 03

  I work somewhere where I don't feel comfortable or like like.

• 16:51Caleb Hammer?

  Don't feel comfortable.

• 16:52Speaker 03

  Not not like not feel.

• 16:54Caleb Hammer?

  Yeah, what are you not feeling comfortable?

• 16:55Speaker 03

  Like.

• 16:56Caleb Hammer?

  Now that's.

• 16:56Speaker 03

  It's not a pleasant environment to like work in.

• 17:00Caleb Hammer?

  What was unpleasant?

• 17:01Speaker 03

  I just didn't like the way things that were run.

• 17:03Caleb Hammer?

  Oh, no.

• 17:04Speaker 03

  No.

• 17:05Caleb Hammer?

  The boss ran a business the way they wanted to instead of the way I wanted to.

• 17:09Speaker 03

  It just was.

• 17:10Caleb Hammer?

  No, why aren't you doing exactly what I am demanding? Oh, I'm a victim.

• 17:14Speaker 03

  And no, it was just poorly run in my opinion.

• 17:16Caleb Hammer?

  Says the person who is a former employee.

• 17:20Speaker 03

  I mean, everybody who worked there is a former employee.

• 17:22Caleb Hammer?

  True. Okay. And maybe it was poorly run, but either way, what I am saying is you did not put enough time to build clientele. Before going off on your own. I am not against this. You did not put in the work.

• 17:33Speaker 03

  No.

• 17:33Caleb Hammer?

  You say you're a permanent grinder. Well, you did this in a very dumb way. You should have been grinding up.

• 17:38Speaker 03

  Okay, but when I when I, okay, and I get that and I probably, you know, the the math on it between either going out on my own or going into another.

• 17:49Caleb Hammer?

  Six dollars an hour.

• 17:51Speaker 03

  I call it girl math. I don't know.

• 17:53Caleb Hammer?

  Uh.

• 17:54Speaker 03

  Math is not my strong suit.

• 17:56Caleb Hammer?

  Isn't the argument usually make eighty cents on the dollar? Girl. Compared to what you're making there, you're making thirty three cents on the dollar. Compared to the burrito.

• 18:07Speaker 03

  Yeah.

• 18:07Caleb Hammer?

  I prefer burritos.

• 18:08Speaker 03

  Write off also.

• 18:10Caleb Hammer?

  Everything's a write off on what? You're not making money to pay taxes anyway.

• 18:14Speaker 03

  Yep.

• 18:14Caleb Hammer?

  What are you talking about write off? Shut the up write off. What are you writing off? You don't even know what you're writing off. What's a write off to you? What's a write off?

• 18:21Speaker 03

  Anything that is.

• 18:22Caleb Hammer?

  On paper, that's a write off?

• 18:23Speaker 03

  Anything that I spend that's pertaining to the business.

• 18:27Caleb Hammer?

  Anything you spend, I guarantee you, you go ahead and you get food and say, this is pertaining to the business.

• 18:34Speaker 03

  If it's a lunch me, if it's a business meeting over a meal, yeah.

• 18:38Caleb Hammer?

  Which, oh, boy. Listen, you're probably not gonna get audited. Cause you don't make.

• 18:43Speaker 03

  No.

• 18:46Caleb Hammer?

  But you wouldn't hold up under scrutiny. I promise you that. Are you working with the CPA?

• 18:50Speaker 03

  No.

• 18:53Speaker 03

  I do my taxes myself.

• 18:54Caleb Hammer?

  I asked, I found another one, ding ding ding, and I'm hearing in the comments.

• 18:56Speaker 03

  Shut your mouth.

• 18:58Caleb Hammer?

  Okay, so DoorDash, we're working an average of, I think you said 10 hours a week?

• 19:01Speaker 03

  Five, 10 hours a week, just whenever I have time.

• 19:03Caleb Hammer?

  Bring it in on average a month?

• 19:05Speaker 03

  I try to do it to a point where I bring in at least a hundred dollars a week, so I try to bring in an extra $400 a month.

• 19:11Caleb Hammer?

  Okay, now 400 hours a month before gas?

• 19:15Speaker 03

  Right off.

• 19:16Caleb Hammer?

  But before gas, though?

• 19:18Speaker 03

  Yeah.

• 19:19Caleb Hammer?

  Before maintenance, okay.

• 19:22Caleb Hammer?

  Just because it's a write-off doesn't mean the expense didn't exist, though.

• 19:25Speaker 03

  Yeah, but you have to spend money to make money.

• 19:27Caleb Hammer?

  What does that mean to you?

• 19:28Speaker 03

  You have to spend money to make money.

• 19:31Caleb Hammer?

  What does that mean?

• 19:32Speaker 03

  You have to put forth an initial investment or something in order to see a return on it.

• 19:37Caleb Hammer?

  Uh, sure, I mean, yeah, I mean, you could start a YouTube channel and that initial investment could be a phone camera, yeah, that's fine. I'm not saying you're not spending gas, but if we're talking about the $400, you're like, oh, it's a write-off. The gas is a write-off, you still spent the money.

• 19:49Speaker 03

  I'm spending gas on that, I'm already spending gas to drive to all of my other jobs.

• 19:52Caleb Hammer?

  Yeah, you're spending more on DoorDash, but either way, what I am saying is just because it's a write-off doesn't mean all of a sudden you keep that $400, just, oh boom, okay, it doesn't, no, you still spent money. That money does not exist anymore. So, if we're calculating what you spent versus what you brought in from DoorDash, I'm gonna say maybe 300 a month?

• 20:11Speaker 03

  Yeah, I mean, like I said, I usually try to do minimum of a hundred dollars, so if I know that I have to get gas.

• 20:16Caleb Hammer?

  A week.

• 20:17Speaker 03

  Well, okay, yes, a week, my apologies.

• 20:18Caleb Hammer?

  I'm gonna say 300.

• 20:19Speaker 03

  Yeah, but if I know that I'm gonna have to get gas, then I will.

• 20:22Caleb Hammer?

  What was your fourth job?

• 20:24Speaker 03

  Um, I also pet sit.

• 20:25Caleb Hammer?

  Right, how many hours a week are you doing that? And why aren't we just committing to one or two?

• 20:31Speaker 03

  Um, so.

• 20:32Caleb Hammer?

  Okay, how many hours a week are we pet sitting?

• 20:34Speaker 03

  It's variable, it's not something that's super consistent to me. I mean, I maybe get one or two bookings a month, every other month or so.

• 20:45Caleb Hammer?

  So what can we even allocate to that?

• 20:47Speaker 03

  If you break it down, maybe $200 a month.

• 20:54Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a co-center release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 21:39Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer, or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. Okay, all of which except for burritos are contracted, and I guarantee you're not setting anything aside for taxes. Not that you would honestly have to pay much in general, but yes, there are things that contractors have to pay for.

• 22:23Caleb Hammer?

  Self-employment taxes, gotta take care of your own social security, all that good stuff. That comes out of the gate.

• 22:30Speaker 03

  I mean, I'm trying to get more, like pet sitting clients, but a lot of the ones that I had died.

• 22:37Caleb Hammer?

  That's what happens to animals, sadly.

• 22:40Speaker 03

  So, I mean, I can't, I can't, they're not gonna pay me to go sit with their ashes.

• 22:45Caleb Hammer?

  No, but other people get pets?

• 22:47Speaker 03

  No, I know. I mean, I'm on Rover and I do get word of mouth clients from people who I already do pet sit for.

• 22:52Caleb Hammer?

  You said.

• 22:53Speaker 03

  Yeah.

• 22:55Speaker 03

  It's not super lucrative.

• 22:56Caleb Hammer?

  Okay.

• 22:56Speaker 03

  It's money.

• 22:57Caleb Hammer?

  So even total, before we set anything aside, is 2,000 hours a month is what you literally make? You are not existing on $2,000 a month. That is impossible.

• 23:08Speaker 03

  I also donate plasma.

• 23:10Caleb Hammer?

  Okay, well, okay, are you gonna consider that one a job too? What do you make in a month on that?

• 23:14Speaker 03

  Um, so it's 120 a week. So depending on how the weeks in the month land, it's anywhere between 480 and 600.

• 23:21Caleb Hammer?

  Let's call it 4... Well, let's call it 550.

• 23:29Speaker 03

  Okay.

• 23:30Caleb Hammer?

  Okay, so 2,550. Still, believe it or not, not enough money to really survive.

• 23:37Speaker 03

  Correct.

• 23:38Caleb Hammer?

  That is $30,000 a year. Yeah, something's not working here and you're completely...

• 23:44Speaker 03

  Well, it's not me because I'm very clearly working.

• 23:49Speaker 03

  Hustling, sorry.

• 23:52Caleb Hammer?

  Hmm?

• 23:53Speaker 03

  You just, you said all I do is side hustles. I don't have an actual job.

• 23:57Caleb Hammer?

  If you were committing to one, dude, you could make any of these an actual job. Obviously, the nail tech thing's not working.

• 24:02Speaker 03

  I could, I could commit to more hours at the burrito place, but I also don't, that's not, my passion in life is not rolling burritos.

• 24:08Caleb Hammer?

  My passion in life is you being able to pay your bills.

• 24:10Speaker 03

  I mean, yeah, I would love to be, I mean, I do pay my bills. My bills are paid.

• 24:14Caleb Hammer?

  I pay my bills, my bills are paid. You spent $10,005 last month.

• 24:18Speaker 03

  Majority of it is probably write-offs.

• 24:20Caleb Hammer?

  Are you broken? What the [bleep] are you talking about? I don't understand what you think is going on in this world.

• 24:26Speaker 03

  Money comes and goes and I'm trying to make it come more than it goes.

• 24:29Caleb Hammer?

  But it only goes for you.

• 24:30Speaker 03

  Okay, Dave Ramsey.

• 24:31Caleb Hammer?

  What? You spent four times what you brought in.

• 24:38Caleb Hammer?

  You spent four times what you brought in. What do you expect to happen with that? Where does that lead?

• 24:44Speaker 03

  I don't know.

• 24:45Caleb Hammer?

  So why the [bleep] are you doing it? Listen, if you're making a small amount of money, you gotta budget it more than anyone. $30,000 is hardly enough to live on. It's very, uh, it's very low for a high cost of living area. So what the [bleep], how can you stretch that if you don't know where your damn money is going? I guarantee you, did I know you spent $10,000 last month? Uh huh. So how the [bleep] do you not know?

• 25:07Speaker 03

  I

• 25:08Caleb Hammer?

  Why are you not budgeting?

• 25:09Speaker 03

  Thought I I'm trying. I just don't I don't know how.

• 25:13Caleb Hammer?

  I don't know how.

• 25:14Speaker 03

  I don't know how. Everything that I've tried as far as how people have told me to budget.

• 25:18Caleb Hammer?

  What have you tried?

• 25:20Speaker 03

  Well, at this point, I'm just trying to work my life away and consume all of the hours of the day with that because I'm not spending money.

• 25:26Caleb Hammer?

  Tell me what you've tried budgeting.

• 25:28Speaker 03

  I've tried, you know, I've tried doing, setting money aside, but I don't have a whole lot of money to set aside because my bills have become so consuming of everything that I make that it's just, it takes over everything. I don't really like I this one. I don't really know how to do a budget plan because everything I make goes to pay bills or for a business.

• 25:47Caleb Hammer?

  Know where money goes. So how can you even say that? If you don't budget to figure out where money goes, how the can you even possibly say that?

• 25:53Speaker 03

  I mean, I've tried. I tried Rocket Money for a little bit and that it just was so confusing. It didn't make any sense.

• 25:58Caleb Hammer?

  Around your nail tech.

• 26:00Speaker 03

  Social media.

• 26:01Caleb Hammer?

  I've noticed that you literally have no social media presence.

• 26:05Speaker 03

  Uh, yeah, it's very small. But I'm I'm working on it. It's a new business.

• 26:13Caleb Hammer?

  What the fuck is happening? Like, uh, social media, that's my game, has no social media presence.

• 26:18Speaker 03

  I mean, I can't pay for advertising. I can't afford that. So I I'm trying to do a budget.

• 26:23Caleb Hammer?

  The only thing you actually can afford unfortunately is going and getting a real job. What's your education? What's your background? What do you have? What can we do?

• 26:30Speaker 03

  Um, so I am dual licensed in Florida, so I'm licensed as I can do nails and I'm licensed as an esthetician also.

• 26:37Caleb Hammer?

  Oh, great. Okay. So two things that make no money. Okay. Wonderful. Great. That's fantastic. Me. Okay. So no college, right?

• 26:44Speaker 03

  Hmm. Not a completed degree now.

• 26:46Caleb Hammer?

  How long did you go?

• 26:48Speaker 03

  Hmm. Several years.

• 26:49Caleb Hammer?

  For what?

• 26:50Speaker 03

  General education. Um, I switched on and off. I'm, I mean, I had.

• 26:55Caleb Hammer?

  So you could go to a community college, hopefully get an associate's degree, try to get into the career field. Some kind, costs money, but listen, student loans might be worth it if it dramatically increases your income. You make the bottom half of the income ladder substantially. Like you were not in a good place.

• 27:09Speaker 03

  Yeah.

• 27:09Caleb Hammer?

  So it's a dual household income or is this just you?

• 27:11Speaker 03

  Uh, it's just me.

• 27:12Caleb Hammer?

  Okay, then you're there's, I mean, there's no other way. This is not a livable situation in Melbourne.

• 27:17Speaker 03

  Yeah.

• 27:17Caleb Hammer?

  And yet you are working yourself to the bone. In a completely insufficient fashion, though. You're not gonna be able to survive.

• 27:25Speaker 03

  Yeah.

• 27:25Caleb Hammer?

  You're not gonna be able to do this long term. How many, how much longer can you put this many hours a week into this work to make nothing? Not much.

• 27:32Speaker 03

  You know, it's pretty miserable.

• 27:33Caleb Hammer?

  And you're stuck into this lease for a fucking year contractually, right? You signed it out of line?

• 27:37Speaker 03

  Yes.

• 27:38Caleb Hammer?

  I bet you damn did.

• 27:42Caleb Hammer?

  So tell me what the your plan was gonna be? Please tell me what your plan was. I want to assess it.

• 27:48Speaker 03

  Wing it.

• 27:49Caleb Hammer?

  Okay, no, no, no.

• 27:50Speaker 03

  That's all.

• 27:50Caleb Hammer?

  What was your plan?

• 27:50Speaker 03

  That's, that's literally, I mean, it's, I'm flying by the seat of my pants. I don't, I, I don't have an actual plan. I, I, I have no clue what I'm doing and on, obviously that's very clear, but I am, I'm trying to figure it out.

• 28:04Caleb Hammer?

  You just wander, you never think, you never think what you want to do. You have no plan whatsoever. You, listen, a lot of people on this show, yes, they're doing it wrong, but they at least have an idea of a plan, a concept of a plan, some would say.

• 28:18Speaker 03

  I mean, I know where I want to be. I would love, like, I have an idea of like the crowd and the clientele of people that I would love to get in with. Honestly, I would really like to work with drag queens, making nails for them. And then I really am trying to get into the younger crowd for nails because a lot of what I do, I, a lot of the people I service are older.

• 28:36Caleb Hammer?

  They don't have as much money, the people that are older don't have the money.

• 28:39Speaker 03

  Not, a lot of people, and that was, that was a big thing.

• 28:42Caleb Hammer?

  How many drag queens are there?

• 28:44Speaker 03

  Oh, more than you think.

• 28:46Caleb Hammer?

  Probably, but enough to sustain multiple clients a day indefinitely, 365 days a year?

• 28:52Speaker 03

  I mean.

• 28:52Caleb Hammer?

  How many drag queens do you personally know?

• 28:54Speaker 03

  Personally, one.

• 28:57Caleb Hammer?

  Oh, ladies and gentlemen, this business is.

• 28:59Speaker 03

  Foot in the door.

• 28:59Caleb Hammer?

  This is a thriving, small business.

• 29:01Speaker 03

  It's a, it'll get there.

• 29:03Caleb Hammer?

  Statistics said 95% of small businesses fail within the first year. This is what's considered in that statistic.

• 29:09Speaker 03

  But I'm not, I, I, the business is open. I haven't had to close. I'm sustaining it.

• 29:13Caleb Hammer?

  What's your rent?

• 29:15Speaker 03

  For the biz, I, I cover three. Oh, my household rent, $500 a month.

• 29:22Caleb Hammer?

  You're fucking lucky, but even that with your income is unfortunately bad.

• 29:26Speaker 03

  Yeah.

• 29:26Caleb Hammer?

  500 should be a blessing of a rent, but $2,500 before she has to pay any of the self employment stuff is still 20% of your income. And how long is that going to last? When that rent's going to go up? When are you going to get out?

• 29:37Speaker 03

  Um, so I actually live in a house with two of my friends, so that rent is just kind of controlled by them.

• 29:42Caleb Hammer?

  You're not going to say the landlord's going to raise rent?

• 29:45Speaker 03

  They own the house.

• 29:46Caleb Hammer?

  Your friends own the house?

• 29:46Speaker 03

  They own the house.

• 29:47Caleb Hammer?

  You're beyond lucky. You're beyond lucky, man. You would not be able to do that if you were not being subsidized by your friends.

• 29:53Speaker 03

  Correct. I'd be homeless.

• 29:55Caleb Hammer?

  What do you think your financial score is? Zero to 10, zero being the worst, 10 being the... I literally just got to note that she does not like her friends that are subsidizing her. She doesn't like them. She actually dislikes her friends that are literally subsidizing her entire life. This is great. This is how, what life are you living? Why do you not even like them? The people that are...

• 30:16Speaker 03

  It's not that I don't like them. I just don't love, I don't, I don't love the living situation. I love them as people. I don't love, I don't love the living situation.

• 30:24Caleb Hammer?

  She's backtracking. She's on camera now, getting called out. She's backtracking. Oh, we love a mean girl that completely...

• 30:35Speaker 03

  I don't love the living situation.

• 30:37Caleb Hammer?

  What's the living situation? You getting subsidized living?

• 30:39Speaker 03

  It's...

• 30:40Caleb Hammer?

  What's the living situation, lady?

• 30:42Speaker 03

  I just don't like living with them.

• 30:45Caleb Hammer?

  Okay.

• 30:48Caleb Hammer?

  What is the median rent for a one bedroom in Melbourne?

• 30:51Speaker 03

  Lot more than $500.

• 30:53Caleb Hammer?

  Dude, you're broken. What kind of entitlement complex do you have? Why do you not like living with them?

• 31:00Speaker 03

  I just...

• 31:02Caleb Hammer?

  Tell me!

• 31:03Speaker 03

  I just don't. I don't, I don't do well with roommates and I...

• 31:09Caleb Hammer?

  Why? Cause you're a...

• 31:10Speaker 03

  No, because I like my personal space.

• 31:13Caleb Hammer?

  Who the doesn't? But everyone gets a roommate. You are literally being blessed that they are not going to raise a rent.

• 31:18Speaker 03

  No, I know and I appreciate that.

• 31:19Caleb Hammer?

  You appreciate it? You literally hate them.

• 31:21Speaker 03

  That I have put myself in, in having to be in that situation.

• 31:24Caleb Hammer?

  Oh, you not working and not being an adult?

• 31:26Speaker 03

  I am working, first of all.

• 31:28Caleb Hammer?

  Come on, you're doing hobbies.

• 31:29Speaker 03

  There's an income on paper.

• 31:30Caleb Hammer?

  You're doing hobbies.

• 31:31Speaker 03

  I'm not doing hobbies.

• 31:32Caleb Hammer?

  Yes, your nail salon is a hobby.

• 31:35Speaker 03

  Every business starts somewhere.

• 31:37Caleb Hammer?

  Your business hasn't started. Your business is a failure.

• 31:39Speaker 03

  My business is two months old.

• 31:40Caleb Hammer?

  Exactly.

• 31:41Speaker 03

  That's starting.

• 31:42Caleb Hammer?

  And it should be zero months old because it is not working.

• 31:44Speaker 03

  Okay, well, if it was zero months old, I'd have less income.

• 31:45Caleb Hammer?

  You have no marketing abilities. You go to a woman thing and no one's even there that is marketing the same kind of products and you didn't even bring anyone in. You're a failure. Meeting one bed rent in Melbourne, Florida, $1,310. Good the [bleep] luck. Good the [bleep] luck. And you hate them? You hate living with them?

• 32:02Speaker 03

  I don't hate them.

• 32:03Caleb Hammer?

  Well, you dislike them. You don't even like them, specifically what you told them.

• 32:13Caleb Hammer?

  Uh huh.

• 32:16Caleb Hammer?

  Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? Just for the next two weeks,

• 32:58Caleb Hammer?

  you can try it for free. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com. Let's [bleep] go. And you want to move away from your clientele you already have?

• 33:27Speaker 03

  I actually would like to move out of state.

• 33:30Caleb Hammer?

  All right. Good the clock. What do you think your score is zero to 10, zero being the worst 10 being the best?

• 33:34Speaker 03

  Generously one.

• 33:36Caleb Hammer?

  Why would you even be generous yourself instead of realistic with yourself? That's what I would.

• 33:40Speaker 03

  Realistically zero.

• 33:42Caleb Hammer?

  Yeah. If you want your financial score, take the assessment. It is free at Caleb hammer.com or the link in the description below. And if you don't want to be like a guest that shows up on financial audit, download the Dollar Wise Budgeting app. Made it just for you guys. Made it just for myself as well. Take the free trial, sign up for the annual version. If you want to save a lot of money and get our budget friendly cookbook signed by me direct, mailed directly to you and sign up for Dollar Wise Central, the all in one program that is 80% off, where you get all of our educational programs and the premium version of the budgeting app, dollarwise.com. All right, let's get into this first one. Walmart, Walmart, what Walmart credit card? Is that what this is?

• 34:18Speaker 03

  No, it's a, that is a 401k account from when I worked for Walmart.

• 34:23Caleb Hammer?

  Did you just pull out of your 401k?

• 34:25Speaker 03

  I'd close the account.

• 34:30Caleb Hammer?

  Best decade of compound growth in your entire life.

• 34:36Speaker 04

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

• 35:06Speaker 03

  I had good reason.

• 35:07Caleb Hammer?

  Yeah, go ahead.

• 35:09Speaker 03

  I had, I had to buy a new car.

• 35:11Caleb Hammer?

  Why didn't you borrow for it instead?

• 35:13Speaker 03

  Because I was, I already had an outstanding auto loan on a vehicle that wasn't running and because of my debt to income ratio, I was not eligible for another auto loan.

• 35:21Caleb Hammer?

  Uber and save for a while. Go get a real job instead of taking away your entire future.

• 35:26Speaker 03

  Uber, one way we've looked because it's been off for about $55 one way.

• 35:31Caleb Hammer?

  $55, but you're throwing away your entire future.

• 35:34Speaker 03

  Working three, four jobs a day, or even if I'm working two jobs a day, that's a 150 to $200 round. Trip just for me to go to work. I don't bring in enough to justify that.

• 35:43Caleb Hammer?

  No, cuz you have to get another job. This is all leading up from your decisions. Listen, I am not saying you cannot get another car or make sacrifices to get it. But it is your choice that you are working jobs that is giving you no money. It is your choice.

• 35:56Speaker 03

  It's hard to get a job in that area. I mean, I tried.

• 35:59Caleb Hammer?

  Tried to do anything.

• 36:00Speaker 03

  No, I did. There was before I got.

• 36:02Caleb Hammer?

  Well, you but you haven't marketed yourself very well cuz you have no experience that would relate to a real job.

• 36:07Speaker 03

  My, my, my own business, even trying to get a job, literally doing anything. I'm not joking. I would come home and I would sit in my car in my driveway for hours on end. And I would put in, I'm not kidding, upwards of a hundred job applications a day.

• 36:23Caleb Hammer?

  Car?

• 36:23Speaker 03

  Yeah, in the driveway before I got in the house.

• 36:25Caleb Hammer?

  Obviously, you are not doing very well applying to these jobs if you're just sitting in your car. You're mass applying instead of curating a resume. If you do not curate your resume, you are not getting a job interview in today's economy.

• 36:35Speaker 03

  A part-time job, then I didn't feel like I genuinely needed to curate a resume. If I'm applying to McDonald's and I'm applying to like Burger King and Taco Bell, all those places.

• 36:45Caleb Hammer?

  You have to curate a resume even on McDonald's. You know why? You don't why? I'll tell you. Because if you're not curating it, that means your resume is likely for the jobs you want. And if your resume getting submitted to McDonald's is for the jobs you fucking want.

• 37:00Speaker 03

  But if they're not asking for a resume.

• 37:02Caleb Hammer?

  No, no, no, no, no, no, you little tit. Then they're just gonna see that you are only accepting that job for a temporary period. And you will immediately leave when a job you want opens up. If your resume submitting to a service job is suggesting you're gonna leave immediately to get a different job, then why the would they hire you?

• 37:21Speaker 03

  Even when I was using a resume that had service experience on it, I still was getting no calls. I tried for months to get a new job and this is I did.

• 37:31Caleb Hammer?

  The way I, I believe you tried. I do not believe the way that you actually curated it specifically for them. I vehemently disagree with what you're saying.

• 37:42Speaker 03

  I mean, there was service experience on there, but.

• 37:45Caleb Hammer?

  It's not just service experience. It's the entirety of the resume, the skills that you're marketing on there. What you say your most recent thing is?

• 37:51Speaker 03

  But even what I do, even even as a nail tech, what I do, that translates over because it's all customer service.

• 37:57Caleb Hammer?

  No, it's not about that lady. It shows that you are likely going to try to get into nail tech again. So why would they hire you if you're only going to be there for a month? This is just simple strategy. How much did you pay for those fucking eyelashes?

• 38:08Speaker 03

  A dollar twenty five.

• 38:10Caleb Hammer?

  Okay, thank goodness. And they look like it, too.

• 38:12Speaker 03

  Thank you.

• 38:12Caleb Hammer?

  Oh, my.

• 38:14Speaker 03

  Only the finest for you, my dear.

• 38:18Caleb Hammer?

  What are you talking about?

• 38:19Speaker 03

  I don't know.

• 38:20Caleb Hammer?

  Less than thirty four years until you're able to pull from these retirements penalty free. That seven thousand one hundred eighty nine dollars and eighteen cents would have turned into following something like the S and P five hundred, two hundred twelve, four hundred three dollars.

• 38:32Speaker 03

  Well, it wouldn't have done me any good that far down the line if I didn't have a car to sustain myself.

• 38:36Caleb Hammer?

  But the you not being able to get a car is by the choices you've led, by your inability to properly apply for other jobs. By you going into a career field that is honestly a little kind of overly competitive, overly saturated kind of bull. And you chose to do that instead of completing your college the way you were doing it with gen ads and going into a field that would have made more sense. This is an endless amount of decisions that had led to the consequences where you were forced to pull from your 401k. And I have less sympathy on it because you chose all those things that led you to that situation.

• 39:05Speaker 03

  I mean, I didn't necessarily choose to have to make that financial decision. I didn't want to.

• 39:09Caleb Hammer?

  Did you not listen to anything I just said?

• 39:11Speaker 03

  I did not want to have to do that. No, I did.

• 39:14Caleb Hammer?

  You made the choices to go into a career field that is overly saturated and would not make that much money.

• 39:18Speaker 03

  But I didn't know how oversaturated it was until I got into it.

• 39:20Caleb Hammer?

  Are you kidding me?

• 39:21Speaker 03

  No.

• 39:22Caleb Hammer?

  You have the inability to use Google.

• 39:23Speaker 03

  No, I do, but as an independent nail tech, I you I don't think you truly see how saturated the independent side of the business is outside of, you know, the.

• 39:32Caleb Hammer?

  Independent, didn't even need to go work for someone else.

• 39:35Speaker 03

  The stand, but I'm saying outside of a standard. A standard salon that you see on every street corner. Those are terrible.

• 39:43Caleb Hammer?

  Terrible what?

• 39:45Speaker 03

  The service, the service, the quality.

• 39:48Caleb Hammer?

  Good service.

• 39:48Speaker 03

  I am.

• 39:50Caleb Hammer?

  Brought in 600 hours a month working for another person.

• 39:52Speaker 03

  Also, it's one of those things that people in my area are, a lot of what I have in the area that I live is retired, older folks. So for that-

• 40:01Caleb Hammer?

  They have money.

• 40:02Speaker 03

  No, they don't though. That's the problem. That's why I had a larger-

• 40:04Caleb Hammer?

  They have, they have-

• 40:05Speaker 03

  That's why I had a larger clientele at the previous salon that I was at because that was a budget friendly salon and

• 40:11Caleb Hammer?

  They'd be a budget friendly person.

• 40:13Speaker 03

  I'm not doing nails for $25. My cost-

• 40:15Caleb Hammer?

  Then don't make money.

• 40:16Speaker 03

  My, okay, I wouldn't make money.

• 40:17Caleb Hammer?

  You're making $500.

• 40:18Speaker 03

  I wouldn't make money anyway because if I-

• 40:20Caleb Hammer?

  Good, then you picked the wrong career field.

• 40:21Speaker 03

  If I am-

• 40:22Caleb Hammer?

  Your turn, you make no money. You have no ability to talk on this. You don't get a turn.

• 40:26Speaker 03

  Because it's my business.

• 40:27Caleb Hammer?

  Your business is a failure. I think I can speak on this and I'm more qualified.

• 40:30Speaker 03

  How many other people helping you? It's me.

• 40:32Caleb Hammer?

  I started just me. I didn't hire someone until six months in.

• 40:36Speaker 03

  Okay, that's fine, but how well were you doing up until you got more people on your team?

• 40:40Caleb Hammer?

  $10,000 a month.

• 40:41Speaker 03

  Okay, well, it was that, how soon after you started?

• 40:45Caleb Hammer?

  Immediately, almost.

• 40:47Speaker 03

  There's no shot you said day one and you made $10,000.

• 40:49Caleb Hammer?

  One month in.

• 40:51Speaker 03

  Okay. I, but, and that's my thing is I don't want to have to pull focus-

• 40:55Caleb Hammer?

  Almost like she has no idea what she's talking about.

• 40:57Speaker 03

  I don't want to have to pull all of my attention away from the career and the business that I am building because this is something for me-

• 41:02Caleb Hammer?

  From the hobby you want to do.

• 41:03Speaker 03

  It's not a hobby.

• 41:04Caleb Hammer?

  It is. You make no money.

• 41:05Speaker 03

  It's a career. There are people who make money from it, but you have to start- I'm two years in.

• 41:12Caleb Hammer?

  Good, you should be working for someone else and building up a client list.

• 41:14Speaker 03

  But that's not what I want to do.

• 41:15Caleb Hammer?

  This leads me to having no sympathy when your car breaks down and you're no longer financially able to go get another car. This was the choices you made for your hobby.

• 41:22Speaker 03

  Okay, but I have to have a car for any job. I have to be able to get to work.

• 41:25Caleb Hammer?

  I agree. If you had a real job, you would have made more money and you could have saved up a fully funded emergency fund.

• 41:30Speaker 03

  I'm still looking for a new job and for a different job.

• 41:33Caleb Hammer?

  We just went over this. If you're not willing to accept anything I said, then get the [__] off this show.

• 41:36Speaker 03

  Okay. The car situation is, it was something unavoidable. That is not something that I wanted to-

• 41:44Caleb Hammer?

  I'm not arguing against that. I'm saying you made the choices that led up to you having to pull from your 401K.

• 41:49Speaker 03

  The car breaking down unexpectedly is not-

• 41:52Caleb Hammer?

  Okay, she's incapable of listening. She's an actual [__] moron and I'm gonna move on. I'm sorry. Are you like actually stupid?

• 41:59Speaker 03

  No.

• 41:59Caleb Hammer?

  That's so, are you incapable of hearing anything I just said?

• 42:01Speaker 03

  No.

• 42:02Caleb Hammer?

  You, yeah.

• 42:03Speaker 03

  No.

• 42:03Caleb Hammer?

  Thank you. At least you admit it.

• 42:10Speaker 03

  I think you should slam him one more time.

• 42:13Caleb Hammer?

  I just don't understand how you are gonna... No, I think your roommates probably hate living with you and I understand why your first boss fired you.

• 42:22Speaker 04

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

• 42:49Caleb Hammer?

  Now, everything's out of your control and there's no personal responsibility.

• 42:52Speaker 03

  There is a lot that is out of my control, but I do take responsibility for what is in my control.

• 42:55Caleb Hammer?

  Haven't heard once.

• 42:56Speaker 03

  The car, how am I supposed to control the car?

• 42:59Caleb Hammer?

  The decisions leading up to it, I never argued that the car wouldn't have just broken. It is... The decisions leading up to it, your career choices, your lack of staying at a job, your inability to keep one without getting fired.

• 43:14Speaker 03

  I can keep plenty of jobs.

• 43:15Caleb Hammer?

  Inability to curate your resume to other jobs.

• 43:19Speaker 03

  Okay, that I will admit, I'm not the greatest. I don't understand.

• 43:22Caleb Hammer?

  Wow, one thing, she's willing to accept the one thing in her life. Okay, and what kind of car did you get by taking out from your 401k, facing penalties and getting taxed at your income? You had federal tax withheld 20%. You only received the 5,700 from the 7,100 you brought in. Great, would have been worth a couple hundred thousand by the time you retired. Wonderful. What did you get?

• 43:45Speaker 03

  Um, it is a 2005 Volkswagen.

• 43:49Caleb Hammer?

  Good. How much did that cost?

• 43:52Speaker 03

  5,000.

• 43:52Caleb Hammer?

  Good. Okay, I accept.

• 43:56Caleb Hammer?

  I would have rather, well, never mind, you can't because you don't have the job. I was gonna say I'd rather take out a 401k loan, but then that doesn't...

• 44:03Speaker 03

  So I looked into taking out a loan on it, but the loan balance available for me was only 3,000.

• 44:10Caleb Hammer?

  Yeah.

• 44:10Speaker 03

  And that wouldn't have, I wouldn't have had enough to, yeah, I wouldn't have had enough to pay for a car.

• 44:15Caleb Hammer?

  Well, if you had a real job, you would have saved up money and you would have been able to do it.

• 44:17Speaker 03

  I'm trying to make it a real job.

• 44:19Caleb Hammer?

  Oh, you're not.

• 44:20Speaker 03

  Yes, I am. That's why I'm putting so much into it because I, this is what I wanted...

• 44:24Caleb Hammer?

  Ton of hours into your $6 an hour hobby.

• 44:28Speaker 03

  It will get better.

• 44:29Caleb Hammer?

  No.

• 44:29Speaker 03

  It will.

• 44:30Caleb Hammer?

  Says?

• 44:31Speaker 03

  Me.

• 44:31Caleb Hammer?

  How?

• 44:32Speaker 03

  Because I am going to manifest it.

• 44:37Caleb Hammer?

  She's a moron.

• 44:39Speaker 03

  Say what you will.

• 44:40Caleb Hammer?

  Let me guess, you're just using an investing app that doesn't invest in you. It has time to change that. Right now, Weeble is offering up to a 3.5% match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start. To pass out a hundred dollars and you get 30 days of Weeble premium. Anywhere from $2,000 to $10,000 sitting around in your account. Move it to Weeble and get $200 in cash. And if you worked your way up to $5 million, that's $30,000 in your account just for moving it over. It is not just about the perks, though. Weeble provides the tools that serious investors want as well. Trading view integration, real time data, zero commission trades. It actually works on all your devices.

• 45:23Caleb Hammer?

  And now through September 30th, you can stack even more. Get a $100 cash bonus for a $2,000 deposit, plus a 2% cash back on all deposits, and a 30-day premium voucher and a 4% APY booster on any uninvested cash. It doesn't get better than this. So stop overpaying for a platform that gives you nothing back and make the switch to Weeble. Go to weebel.com/k/caleb or hit the QR code or the link below. Let's get back to the show. Kay, was there a loan on the other car that died?

• 45:51Speaker 03

  No, so I have a personal acquaintance, actually, who loaned me the money to pay off the loan to the bank so that I can get rid of the car.

• 46:02Caleb Hammer?

  Right, right, right.

• 46:06Speaker 03

  Well, I couldn't do anything.

• 46:07Caleb Hammer?

  Remember when your debt to income, then you couldn't borrow? That also would have been solved if he had a real job as well.

• 46:11Speaker 03

  Yeah.

• 46:11Caleb Hammer?

  Instead of your bull.

• 46:12Speaker 03

  You're right.

• 46:13Caleb Hammer?

  Okay, city. What's going on with this card lady?

• 46:18Caleb Hammer?

  Reminder, $10,000 spent in the last month.

• 46:20Speaker 03

  That is majority used for my business expenses.

• 46:25Caleb Hammer?

  City double cash? It's not even a business credit card.

• 46:27Speaker 03

  Nope.

• 46:28Caleb Hammer?

  Harder to separate. Business expenses, yeah, let's get find out.

• 46:31Speaker 03

  Everything's a business expense.

• 46:33Caleb Hammer?

  That's not how that works.

• 46:38Caleb Hammer?

  But also, there was no spending on here, so I don't, I don't know.

• 46:41Speaker 03

  It's because it's maxed out.

• 46:42Caleb Hammer?

  Oh, it's maxed out. Okay, great. So $4,174.20 is owed on this. Dude, why, why do this to yourself? $153 is your minimum payment and 36 cents.

• 46:59Caleb Hammer?

  Hundred and eleven dollars and thirty six cents of interest accrued in the last month. How long does this take to pay off? Do you make minimum monthly payments without any purchases, which I assume when you have the ability to make a purchase on this, you will again. How long does this take to pay off?

• 47:14Speaker 03

  Probably a couple of years.

• 47:14Caleb Hammer?

  Okay, fifteen.

• 47:16Speaker 03

  Okay.

• 47:18Speaker 03

  I mean, I have no words for that. I spent it. I don't, I, I needed the stuff for the business.

• 47:24Caleb Hammer?

  Forty one years old.

• 47:27Speaker 03

  Yeah.

• 47:28Caleb Hammer?

  For the business, you said you spent two thousand dollars. There's four thousand one hundred.

• 47:31Speaker 03

  Several thousand dollars.

• 47:34Caleb Hammer?

  How much was that one time cost?

• 47:36Speaker 03

  Several thousand dollars.

• 47:37Caleb Hammer?

  Okay, I'm gonna [__] dive. That's wonderful. Didn't we narrow it down to two? You spent four thousand dollars getting this up and running?

• 47:45Speaker 03

  I spent more than that, but it's just not all on that.

• 47:48Caleb Hammer?

  How much did you spend then? How much?

• 47:49Speaker 03

  I just couldn't give you an exact number.

• 47:51Caleb Hammer?

  Give me the [__] best guess.

• 47:53Speaker 03

  Probably six thousand dollars.

• 47:54Caleb Hammer?

  Oh, you're, you're, you're, you're dead. You're dead. There, there's no [__] way. You kidding me? That's an entire years.

• 48:05Caleb Hammer?

  That takes a year and then you said you have to do it again because it only lasts a year. So you'll never make a profit.

• 48:11Speaker 03

  Well, okay, it's not.

• 48:13Caleb Hammer?

  No, this is not a business officially. Officially lined down. It's not a business.

• 48:17Speaker 03

  Bulk supply upfront. So like, okay, for me to buy furniture and decor and everything to get the.

• 48:22Caleb Hammer?

  Furniture and decor? Ah, what is she? Who is she?

• 48:27Speaker 03

  Do you want to go somewhere for a service that is supposed to be relaxing and, and? And you go somewhere and it's just a white wall doctor's office? No!

• 48:35Caleb Hammer?

  This is a joke. Use, you go and get a bucket of [__] paint, lady.

• 48:39Speaker 03

  I did. It was seventy five dollars.

• 48:40Caleb Hammer?

  There you go, instead of six thousand.

• 48:42Speaker 03

  Get, no, stuff. I had to get decor for the walls and I had to get a desk.

• 48:47Caleb Hammer?

  In the wealthy area on Facebook Marketplace.

• 48:49Speaker 03

  Some of it is used furniture. Some of it is not because the investment.

• 48:51Caleb Hammer?

  Unacceptable, unacceptable, unacceptable, unacceptable, unacceptable.

• 48:55Speaker 03

  A furniture was equitable almost to buying used in the area.

• 48:59Caleb Hammer?

  Unacceptable. No, you don't buy something you just can't afford. This is ridiculous.

• 49:03Speaker 03

  I afforded it somehow.

• 49:04Caleb Hammer?

  You didn't. It's accruing interest. Don't be a dummy.

• 49:09Speaker 03

  But so I had to buy.

• 49:10Caleb Hammer?

  Oh, okay.

• 49:10Speaker 03

  So, but okay, but like I won't have to buy furniture again. A lot of my.

• 49:14Caleb Hammer?

  You will, though. You'll want it. You'll want to upgrade.

• 49:17Speaker 03

  I'm sure I'm sure.

• 49:18Caleb Hammer?

  You know what's really interesting? You know what's really interesting? This decked out place that needs to look cozy and all this stuff. Ah, brings in $500 a month. So what an investment, what an incredible investor you are. Manage my money, please.

• 49:33Speaker 03

  I will.

• 49:35Speaker 04

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

• 50:01Speaker 03

  Um, no, but like I, I won't have to buy a new nail desk. I won't have to buy a new pedicure chair. I won't have to buy a new, you know, but like she's. But okay, but like nail polishes, you only go through so much and stuff like that. It's not super expensive.

• 50:14Caleb Hammer?

  Interest this year so far, $500. So this year so far, you already lost a month's worth of income. Add that onto the purchase that we put on this car. This is a 13 month thing. 13 months of your income in order to get this up and running.

• 50:25Speaker 03

  Okay.

• 50:26Caleb Hammer?

  You're 29.99% interest rate. Good luck. Good luck. I, I just, I don't even know, man. What the?

• 50:39Caleb Hammer?

  What is wrong with her? Colton just told me the salon offered to sell her their tools, but she said, I'd rather just get new.

• 50:47Speaker 03

  Because the cost that they were asking for used tool, like heavily used tools.

• 50:51Caleb Hammer?

  Bargain them down if they were.

• 50:52Speaker 03

  I tried, but it was, it's literally with it. Okay, but.

• 50:56Caleb Hammer?

  How much would you have saved total?

• 50:57Speaker 03

  A dollar or two.

• 50:58Caleb Hammer?

  Per item or the whole thing?

• 51:00Speaker 03

  I'm for, okay, so.

• 51:01Caleb Hammer?

  First of all, I don't trust you based on everything you've talked about.

• 51:04Speaker 03

  For me to buy used tools that were not.

• 51:06Caleb Hammer?

  Here's a direct quote from you.

• 51:08Speaker 03

  In usable condition.

• 51:08Caleb Hammer?

  I have a direct quote from you that you bought all, all new nail polishes because the old salon stuff had, quote, had bad energy, unquote.

• 51:18Speaker 03

  Nail polishes, no, because the nail polishes were not up for sale. But as far as my tools and stuff like that, yes, I did buy new ones, but that, those are also something you have.

• 51:26Caleb Hammer?

  Quote, had bad energy, unquote.

• 51:28Speaker 03

  Yeah, because I didn't want to bring any of that with me.

• 51:32Speaker 03

  I didn't, I didn't like the energy in there. I didn't like the, I wanted to, I wanted a clean slate. I wanted a fresh start and in my mind, if that meant spending a couple of extra dollars, then it was worth it to me.

• 51:47Caleb Hammer?

  Literally worth was not.

• 51:51Caleb Hammer?

  No, don't use the, the word worth.

• 51:54Speaker 03

  It was worth it to me.

• 51:55Caleb Hammer?

  No, it wasn't. Personally, no, personally, you.

• 52:00Speaker 03

  Well, I girl math the hell out of it and it made sense to me in the moment.

• 52:03Caleb Hammer?

  Okay, you're gonna make everyone hate women. You're gonna make everyone hate women if girl math immediately.

• 52:09Speaker 03

  Do you think people don't already hate women?

• 52:11Caleb Hammer?

  It's 50% of the world. What are you talking about?

• 52:13Speaker 03

  Well, majority of the world hates women anyway.

• 52:15Caleb Hammer?

  Women hate, I love women, big fan personally.

• 52:17Speaker 03

  You're one of the few, I guess.

• 52:20Caleb Hammer?

  Give me all of them.

• 52:23Speaker 03

  Clearly not all of them because half of us like this.

• 52:27Caleb Hammer?

  So that's you, you just said girl math. Like I don't understand why, why bring to your entire gender, this negative connotation that you're unable to manage money. Why do that to yourself?

• 52:39Speaker 03

  Because that's how everybody else already looks at it.

• 52:42Caleb Hammer?

  Women.

• 52:45Caleb Hammer?

  No, you're setting it.

• 52:48Speaker 03

  I mean, yeah, you can look at it. I'm, I did the math and it was piss poor math and that's fine. And I'm sure someone's gonna turn around and say, oh, well, that's just for girl math for you. Financials are not my strong suit and I'm very aware of that.

• 53:00Caleb Hammer?

  Uh, obviously, but there's so much information out there. And yes, of course, we have a, a, a paid version that curates it all, makes it much easier to go through and provides good educational services and we give you that for free. We'll give you Dollar Wise Central for free, but either way, out there, if you put in the extra work to organize it yourself and try to determine what's the best sources, you could have figured it out.

• 53:21Speaker 03

  But I have tried and I, I mean, that's, I'm.

• 53:23Caleb Hammer?

  But you haven't been able to tell me what you've tried.

• 53:24Speaker 03

  Okay. So the best version of a quote unquote budget that I can tell you that I've done for myself is I, once a month I'll sit down and I'll go through and I'll write down my expenses either on paper.

• 53:33Caleb Hammer?

  Expenses that have happened or up and coming expenses?

• 53:36Speaker 03

  No, like current, like all of my credit, you know, all of my credit card debt, all of my monthly bills. So whatever I have to pay on a monthly basis.

• 53:43Caleb Hammer?

  What's your intent with that? So you write it down and then you just leave it?

• 53:46Speaker 03

  To just see, to.

• 53:48Caleb Hammer?

  Okay. So what does that achieve? What does that achieve?

• 53:51Speaker 03

  I guess it just, it more so gives me an idea of what I'm, what is going to come out of my pocket this month for expenses that I cannot avoid.

• 53:59Speaker 04

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

• 54:25Speaker 03

  And kind of give me an idea of, okay, where do I need to be financially bringing in money to be able to make sure I can keep myself at least afloat for this month?

• 54:34Caleb Hammer?

  I'll tell you what's a dumb budget. Going to a big beauty expo in Orlando, where you bought your suite mate's ticket as well. You spent around $800 in total and called it a quote, "a business promotion," unquote.

• 54:48Speaker 03

  I mean, it is a business expense. It is a write-off.

• 54:51Caleb Hammer?

  You don't have any money to write off. You already overspent everything you're gonna make this year.

• 54:56Speaker 03

  Yeah.

• 54:57Caleb Hammer?

  What, you're not gonna go, suddenly, you think if you write off beyond zero, the government just gives you money? What do you think happens?

• 55:02Speaker 03

  No.

• 55:03Caleb Hammer?

  So what is the point? What do you think happens here? You need money to pay your bills.

• 55:07Speaker 03

  But you have to spend money to make money in a business standpoint. You do.

• 55:13Caleb Hammer?

  The collapse of the American empire. What is going on with IHG?

• 55:19Speaker 03

  So that card is also pretty much maxed out.

• 55:23Caleb Hammer?

  For what?

• 55:25Speaker 03

  I put most of my travel expenses on there.

• 55:27Caleb Hammer?

  Why the are you traveling? You make some money. You make no money. Why are you traveling? Who are you? $6,272.59 on here. Yeah, maxed out. $205 minimum payment. What the is your travel?

• 55:43Speaker 03

  So, I mean, business trips.

• 55:47Caleb Hammer?

  Your business is nothing. Your business is nothing.

• 55:50Speaker 03

  My business is not nothing, first of all. My business is not nothing.

• 55:54Caleb Hammer?

  Objectively, it's nothing.

• 55:55Speaker 03

  It means something to me.

• 55:56Caleb Hammer?

  I don't give a you. That means nothing. That is a joke. Your business brings in $6,000 a year. Shut the up. That's a lemonade stand. Shut up. Means something to me. Who gives a?

• 56:09Speaker 03

  But that is also expenses for,

• 56:14Speaker 03

  like, trips home to go see family.

• 56:16Caleb Hammer?

  Where's family?

• 56:17Speaker 03

  Illinois and Missouri.

• 56:21Caleb Hammer?

  Then don't be in Florida. I don't know what to tell you.

• 56:23Speaker 03

  Okay, but financially, I can't leave Florida at this point.

• 56:26Caleb Hammer?

  Financially, you can't stay in Florida.

• 56:28Speaker 03

  Well, I, I am hoping within the next year to be able to move back home.

• 56:33Caleb Hammer?

  To where? Where is back home specifically?

• 56:34Speaker 03

  Back home is Illinois, but I'm probably looking closer to the Missouri side because I live right on like the river.

• 56:39Caleb Hammer?

  What is that, St. Louis?

• 56:40Speaker 03

  Yeah, general area.

• 56:41Caleb Hammer?

  A declining city?

• 56:43Speaker 03

  Outside the city. I'm not going to go downtown, but.

• 56:46Caleb Hammer?

  No, I'm not talking about just downtown. The metro area has a declining population.

• 56:50Speaker 03

  Oh, I would disagree.

• 56:51Caleb Hammer?

  You would disagree.

• 56:54Speaker 03

  They've had a boom in certain areas over there.

• 56:56Caleb Hammer?

  Huh?

• 56:56Speaker 03

  They've had a boom in certain areas over there.

• 56:58Caleb Hammer?

  I'm sure a couple suburbs specifically, but the entire metro area.

• 57:02Speaker 03

  No, but you look at like Chesterfield, St. Charles, O'Fallon, St. Peters, all of those areas are growing. I mean, even my hometown is growing.

• 57:11Caleb Hammer?

  Okay, St. Louis is gone from 1990, 396,000 to 281,000. Shut the up.

• 57:19Speaker 03

  I mean, yeah, if you're looking at St. Louis specifically, I mean, it's, it's a violent city. People don't want to live there anymore, but there are still people coming to the outskirts and the surrounding areas of that. St. Louis in and of itself is, is not great, especially when you're, I mean, I grew up 30 minutes south of East St. Louis. It's one of the most dangerous cities in America, but obviously people aren't moving to East St. Louis, but they're still moving to the surrounding areas.

• 57:47Caleb Hammer?

  I said, I'm not saying people aren't going to move in, but either way, if we're in a declining city, is that where we're setting up a business? At least you can live for free with the family, but that doesn't make sense.

• 57:55Speaker 03

  I don't have family that I can live with. This would be an individual expense.

• 57:59Caleb Hammer?

  Why? You're moving back for family, right?

• 58:02Speaker 03

  To be closer to family, but I don't per se have family that I can move in with.

• 58:06Caleb Hammer?

  What do you mean? No one's willing to let you?

• 58:08Speaker 03

  No.

• 58:09Caleb Hammer?

  Why?

• 58:11Speaker 03

  Family drama.

• 58:12Caleb Hammer?

  Then why do you want to be close to them anyway?

• 58:13Speaker 03

  Um, because I do still have family that I'm close to and while financially they may not. They may not agree with the things that I've been doing, but they do still love me.

• 58:22Caleb Hammer?

  A child.

• 58:23Speaker 03

  It's, I mean, it's not even that. It's things outside of that as well that have happened or been said or. Just.

• 58:28Caleb Hammer?

  No, tell me.

• 58:29Speaker 03

  My mom likes to run her mouth.

• 58:31Caleb Hammer?

  Yeah. And what does she disagree with and what has she said?

• 58:33Speaker 03

  She's just not a good person.

• 58:35Caleb Hammer?

  Yeah, tell me.

• 58:37Speaker 03

  That's something I'd really prefer not to get too

• 58:39Caleb Hammer?

  That's fine, then what the you're talking about? You said there's family members that disagree with your finances.

• 58:43Speaker 03

  I mean, yeah, there are.

• 58:43Caleb Hammer?

  So tell me that.

• 58:45Speaker 03

  Who disagree with my finances. They don't think that I should be doing what I'm doing. They think that I need to find a quote unquote big girl job.

• 58:50Caleb Hammer?

  Objectively.

• 58:51Speaker 03

  But also, and this is where I struggle with that because my family also very has the mentality of prove people wrong. And so while yes, everybody.

• 58:59Caleb Hammer?

  You're proving everyone right.

• 59:00Speaker 03

  But I'm working towards proving them wrong.

• 59:02Caleb Hammer?

  Nope, nope, nope. Literally no. That is, that is not true. I'm sorry, that is not.

• 59:09Speaker 04

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• 59:34Caleb Hammer?

  True.

• 59:37Caleb Hammer?

  And then what would your plan be when you're there? Money?

• 59:40Speaker 03

  Work. Probably get, probably go back to serving where I used to serve because I made really good money there and.

• 59:46Caleb Hammer?

  Full backwards, though. You're not trying to.

• 59:49Speaker 03

  But then I would still, I would probably flip the script and I would probably go back to serving full time and then part time.

• 59:55Caleb Hammer?

  Are you anti getting into a job industry that's actually growing in the United States?

• 59:59Speaker 03

  Like what? Because my grandfather thinks I need to become a truck driver.

• 1:00:03Caleb Hammer?

  Well, sure, that's good income.

• 1:00:04Speaker 03

  And I don't want to do that.

• 1:00:05Caleb Hammer?

  That's good income.

• 1:00:05Speaker 03

  I'm sure it is, but I don't want to do that.

• 1:00:06Caleb Hammer?

  If you don't want to do that, that's fine. I mean, I'm not going to force you to do that.

• 1:00:08Speaker 03

  That's why I left my last good job because I just, I was tired of traveling.

• 1:00:11Caleb Hammer?

  What was your last good job?

• 1:00:13Speaker 03

  I worked for Walmart. I was a project manager for store remodels, so I traveled around. Starting 50,000 a year when I left 51, 50.

• 1:00:22Caleb Hammer?

  Plus benefits. You transferred that skills to another job, though.

• 1:00:25Speaker 03

  I have, and that I have. Even before I left that job, I tried applying for other jobs in project management and construction fields. Even within Walmart, I've had a hard time finding, getting a job with them again.

• 1:00:38Caleb Hammer?

  Well, you quit.

• 1:00:39Speaker 03

  Correct.

• 1:00:40Caleb Hammer?

  A lot of companies aren't willing to hire people who've quit.

• 1:00:43Speaker 03

  It's a little different when I, I worked for home office, but trying to get a.

• 1:00:46Caleb Hammer?

  You still worked for Walmart. A lot of companies have like policies against hiring people that quit.

• 1:00:50Speaker 03

  They will hire people back. They do all the time.

• 1:00:52Caleb Hammer?

  Okay, well, a lot of companies don't. And maybe hiring manager isn't that you're looking at. I don't know.

• 1:00:58Caleb Hammer?

  Okay, so let's see, growing industries in the St. Louis metro, software development has gone up 18%, data science up 22%, cybersecurity up 32%, advanced manufacturing aerospace, yeah, you might have to work in manufacturing, supply chain management potentially, healthcare life sciences, healthcare is usually pretty good to get into, logistics and trade transportation, we know you don't want to do that, and leisure and hospitality, well, that's what you're talking about going into, those are the largest industries.

• 1:01:25Caleb Hammer?

  Okay, so IHG takes 18 years to pay off.

• 1:01:29Speaker 03

  Yeah.

• 1:01:30Caleb Hammer?

  Thousand hours of interest this year so far. Travel for business on here, well, now we've lost in total with interest accrued in the business to six to seven, seven and a half thousand dollars. This year.

• 1:01:43Speaker 03

  Yep.

• 1:01:44Caleb Hammer?

  Seven and a half thousand dollars, but with $500 you make, that takes 15 years just to recoup that cost, and you'll be redoing a lot of those costs when supplies are done. And you have to re-up them. Okay, Capital One, what's going on with this card, also close to maxed out?

• 1:01:58Speaker 03

  That card, I had to split the payment for my car repairs between two cards, so that card holds.

• 1:02:04Caleb Hammer?

  Repair for your last car or new car?

• 1:02:06Speaker 03

  For my last car.

• 1:02:07Caleb Hammer?

  Okay, how's your current car doing?

• 1:02:09Speaker 03

  Fine.

• 1:02:10Caleb Hammer?

  Miles?

• 1:02:11Speaker 03

  I haven't had 82,000.

• 1:02:13Caleb Hammer?

  Okay, foreign car is a little more expensive for repairs. Eighty-two thousand is great for that age.

• 1:02:18Speaker 03

  For a 20-year-old car, it is, well, and so that was the thing too, with everything that happened with my previous car, I went into purchasing this new car with a little more, I wasn't so much wearing the rose-colored glasses of the car industry. I, I have some friends who run a car group based around Volkswagen, so I bought the car with the intention, or with the knowledge of, I have a lot of people at my, I don't want to say at my dispense, but at any given moment, who can help me with repairs on the car, so.

• 1:02:47Caleb Hammer?

  Who?

• 1:02:49Caleb Hammer?

  Okay, so somebody in your life bailed you out of the last debt owed on the last car, but you still have debt hanging around for that anyway, because this was all repairs on the last car.

• 1:02:57Speaker 03

  Yeah, and I'm still paying them for that as well.

• 1:02:59Caleb Hammer?

  Ridiculous, seventeen years to pay this off.

• 1:03:02Speaker 03

  Yeah.

• 1:03:02Caleb Hammer?

  Five hundred dollars in interest this year so far. Listen, uh, the family, who, who, who are the family members that are against what you're doing with your money? What's your relationship with them? And how many? And what are those conversations?

• 1:03:16Speaker 03

  But like I said, you know, my grandfather told me that I should become a truck driver.

• 1:03:20Caleb Hammer?

  I don't know why he's hyper centered in one industry specifically, but you should get a better job.

• 1:03:24Speaker 03

  My, my, my step uncle is in that industry and he knows what he makes and.

• 1:03:28Caleb Hammer?

  Yeah, it's a great job, but I just want you to get.

• 1:03:31Speaker 03

  At being younger than I am.

• 1:03:32Caleb Hammer?

  I want you to get into a good job.

• 1:03:34Speaker 03

  Yep.

• 1:03:34Caleb Hammer?

  Now, you're talking about nothing that meant anything, so yeah.

• 1:03:37Speaker 03

  I was explaining it.

• 1:03:38Caleb Hammer?

  I don't care.

• 1:03:39Speaker 03

  Okay, then don't ask.

• 1:03:40Caleb Hammer?

  No, I didn't need the long winded uncle, uncle, uncle. I just said, who's doing it? You said grandpa, I didn't need to know uncle makes money. We all know truck drivers make money.

• 1:03:49Speaker 03

  Yeah.

• 1:03:49Caleb Hammer?

  I just want you to get into an adult job.

• 1:03:51Speaker 03

  Mm hmm.

• 1:03:52Caleb Hammer?

  That is one option. If you don't want to do that, that's okay. We're not going to pressure you to get into that job. Okay, who else? And what's the conversations?

• 1:03:58Speaker 03

  Um, my grandma, for a little while, was very on edge with it. I think because she was having conversations with my grandpa about it, but she has since flipped a script and she's very on my side about it now.

• 1:04:08Caleb Hammer?

  She's a dumb.

• 1:04:09Speaker 03

  She, be careful with that.

• 1:04:12Caleb Hammer?

  What, does she have dementia?

• 1:04:13Speaker 03

  She is dying.

• 1:04:15Caleb Hammer?

  Well, okay.

• 1:04:15Speaker 03

  And she does have dementia.

• 1:04:17Caleb Hammer?

  Well, then why is she setting a program of, or her grandchild for failure?

• 1:04:20Speaker 03

  Because she wants to support me.

• 1:04:23Caleb Hammer?

  But she's not. It's enablement.

• 1:04:25Speaker 03

  I think she sees the potential in, in what I'm doing and she is proud of the fact that I have taken the step to build something for myself.

• 1:04:33Caleb Hammer?

  It's so, it's so cool. It's so cold hearted. I know this sounds so cold hearted, but it, and listen, just because there's a sympathy of the fact that she's approaching the end of life and that's really sad and I am sympathetic and that's horrible, and I would not wish that upon anyone, does not mean she should support, she should support you destroying your life.

• 1:04:49Speaker 03

  But I don't feel like that's fair to say that everybody also should just on me and say, you know, what you're doing is stupid and you need to give it up.

• 1:04:56Caleb Hammer?

  But that's real.

• 1:04:58Speaker 03

  Then how would any business venture start then?

• 1:05:01Caleb Hammer?

  This is because, no, no, I told you how to do this in a proper way. You're not willing to do that. I'm not saying you can't be on nail tech. I said you need to put in the work with other people and build up clients, not immediately go into your own business and spend so far $7,500 to make $500 a month.

• 1:05:16Speaker 03

  In the area that I am in, that I am willing to do that to.

• 1:05:20Caleb Hammer?

  But you're not willing to. You said willing.

• 1:05:23Speaker 03

  Yes, because I'm not willing to take a pay cut to do that because again.

• 1:05:26Caleb Hammer?

  You make $500.

• 1:05:27Speaker 03

  Okay, but that's the thing. That's what I was trying to say earlier is even most of the girls that I went to school with who work in those said salons, either don't work there anymore because the pay was too low or we're still having to work two and three other jobs.

• 1:05:38Caleb Hammer?

  Then here's the reality.

• 1:05:39Speaker 03

  Because the income is not enough.

• 1:05:40Caleb Hammer?

  Then here's the reality. I get that, I get that. You don't need to finish the sentence, everyone knows what you're gonna say. Oh my gosh, you just, you just really go on for a long time.

• 1:05:48Speaker 05

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• 1:06:06Caleb Hammer?

  Then take the train off.

• 1:06:08Speaker 05

  And brand new shows, Fat and Fatter.

• 1:06:11Caleb Hammer?

  That is, that one is. I would go off brand.

• 1:06:16Speaker 05

  Behind the Audit.

• 1:06:18Speaker 06

  This was wild.

• 1:06:20Speaker 05

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• 1:06:43Caleb Hammer?

  Then, clearly, this industry in that area sucks and you shouldn't be doing it.

• 1:06:51Speaker 03

  Correct, but I'm in it and I don't know how to get out of it at this point.

• 1:06:53Caleb Hammer?

  By stopping.

• 1:06:56Caleb Hammer?

  Eat the loss on the lease and go get another job.

• 1:06:58Speaker 03

  But it's not even the lease. How do I eat the loss on everything else that I bought for it?

• 1:07:01Caleb Hammer?

  You just have to. This is a oops, I f***ed up mistake. That is, this is not a sunk cost. This is not a sunk cost. You don't immediately have to try to buy your way out of it. It still takes 14 months with what you're doing. And then by then you're gonna have to spend more money just to sustain what you're trying to do anyway, because you'll re-up your lease and you'll have to buy more supplies by then anyway. Like, I'm sorry. Do you even enjoy this?

• 1:07:21Speaker 03

  I do. I absolutely love it.

• 1:07:22Caleb Hammer?

  Well, at least you have that. But the fact is, if literally every other salon is in, you're unable to work there because no one makes money, then this is not an area where this industry works. And that means then you can't do it. You're not gonna go into an industry in, in, in an area where all techs that are barely even making much money are on the cheap and you're gonna go in and be this high level one. No one's gonna pay for that. Obviously, the market is not demanding that in that area. And I'm sorry, and just because, just because your grandma's in a sad situation, doesn't all of a sudden make that valid.

• 1:07:53Speaker 03

  That's fair, but also I don't think it's unfair to say that nobody should support me in what I'm doing.

• 1:07:58Caleb Hammer?

  No, no, no. Do you not understand what support is? Oftentimes, supporting people making wrong decisions is telling them they're making wrong decisions.

• 1:08:05Speaker 03

  I know that there's a hard truth behind it, but I'm also, but what I'm saying is that I don't think everybody should look at me and just outright say, what you're doing is f***ed.

• 1:08:12Caleb Hammer?

  What you're doing is f***ed.

• 1:08:14Speaker 03

  Right, but it has to start somewhere.

• 1:08:16Caleb Hammer?

  No, and I told you how to start it. In that area is clearly not an area where it can be started.

• 1:08:21Speaker 03

  I will keep that in mind, but.

• 1:08:22Caleb Hammer?

  Keep that in mind. You're on a lease for a year. You started two months ago.

• 1:08:27Speaker 03

  After that is said and done, I mean, I don't, I, I don't, I don't know. I don't know what you want me to do. I'm not gonna bail on a business and I'm not gonna, I'm not gonna leave it on someone else's shoulders.

• 1:08:38Caleb Hammer?

  Someone else's shoulders. Still pay your rent, but we need to get you in a better career field. I'll gift you a course career certification. It's great for getting into a different career field. I'll gift you that. I'll gift you a FIS card as well. We'll get you on that. It's a debit card that builds credit.

• 1:08:51Caleb Hammer?

  I'll even get you on Weebull. Now that you pulled from your retirement, you better start investing. So I'll get you those signup bonuses as well, but for sake, man. Uh, I, I like the idea of moving to St. Louis. It's definitely a cheaper area for sure. Also means cost of living is lower, which means you make less, but honestly, you'll make more doing anything. Literally doing anything.

• 1:09:13Speaker 03

  Yeah.

• 1:09:14Caleb Hammer?

  Else.

• 1:09:15Speaker 03

  Yeah.

• 1:09:16Caleb Hammer?

  You have a strained relationship with your family anyway. Why, why, why, why fully do we want to move to St. Louis specifically?

• 1:09:23Speaker 03

  Because my grandmother's up there and.

• 1:09:25Caleb Hammer?

  For how much longer?

• 1:09:28Speaker 03

  That's the hard part. I just went up and visited her recently and she's not, she's not doing terrible, but she's not doing great.

• 1:09:34Caleb Hammer?

  And again, it is sad and I do have sympathy for that.

• 1:09:36Speaker 03

  Yeah.

• 1:09:36Caleb Hammer?

  It is not an excuse to continue doing something that is damaging your life.

• 1:09:40Speaker 03

  No, no, but. I think the idea behind it was, was to build something for myself that if it's gonna fail, it's gonna fail on me. Nobody else can take it away from me. It's mine.

• 1:09:50Caleb Hammer?

  I'm okay with a failure, but you put $7,500 in plus a yearly locked in lease for this.

• 1:09:55Speaker 03

  Yeah.

• 1:09:55Caleb Hammer?

  This is damaging beyond damaging. You pulled out a 401k to buy a car because you never set yourself up for success and had money.

• 1:10:03Speaker 03

  Yeah.

• 1:10:03Caleb Hammer?

  Like it's more than just that. This is more damaging than you just did something and it failed. It's the, you're gonna be paying on for, for ever from the lack of retirement, from paying off debt to paying off whoever lent you that money. Listen, eh, depending on the lease that you got. You'll your credit if you, if you don't pay on these things.

• 1:10:21Speaker 03

  Yeah.

• 1:10:22Caleb Hammer?

  And I'm sure that lease is tied to personal assets in some way whatsoever. I don't know, lean on something, maybe. You usually don't pay a lease in the commercial world. They can come after you and personal assets.

• 1:10:33Speaker 03

  Yeah.

• 1:10:34Caleb Hammer?

  So even though this is a more interesting situation with this commercial space. Listen, again, I, and I don't think they should necessarily bully you. However, I have a feeling that they just tell you the hard truth and because you're you and based on everything you've said about other jobs. You think it's bullying, even though they're just saying, yo, this isn't working. You need to try something different.

• 1:10:52Speaker 03

  I don't think it's bullying, but I don't think it's fair to completely tell me that I have to give up something that I've worked so hard for.

• 1:10:57Caleb Hammer?

  It's less give up. You can do it on the side as a side hustle while you build it up while doing something more productive.

• 1:11:03Speaker 03

  But that's, but that's the hard thing. And, and if, you know, if I do take my grandfather's advice and I go into the trucking industry. But what I'm saying is, is if, to me, it doesn't make sense to give up the focus on that because if I'm not focusing on it, I'm not building it.

• 1:11:17Caleb Hammer?

  You're making $6 an hour.

• 1:11:21Caleb Hammer?

  Like I don't care. You do it on the side. You build up the clientele and if it ever, that again, even though the YouTube thing and this business took off a little quicker, as we explained earlier, than a lot of businesses, I still didn't quit my job until I knew it'd at least be sustainable multiple once in a row.

• 1:11:38Speaker 03

  So many of them.

• 1:11:39Caleb Hammer?

  No, you quit your job and you went off on your own. That it is not the same thing. That is not, that is not a similar situation. You're out there killing yourself in order to make 30,000 hours a year. It's not working.

• 1:11:51Speaker 03

  Yeah, I agree. I mean,

• 1:11:53Caleb Hammer?

  Probably on government subsidized health insurance, aren't you?

• 1:11:55Speaker 03

  I don't have health insurance.

• 1:11:57Caleb Hammer?

  Okay. Well, that's dangerous. Your health insurance should honestly be free with your money through the Affordable Care System.

• 1:12:04Speaker 03

  Think I've looked through it and I didn't qualify for it. I don't know. Maybe I filled it out wrong. I'm not sure.

• 1:12:10Caleb Hammer?

  Okay. I don't know about that, but okay. So Capital One, so is this the same Capital One I was just doing or is this a new one?

• 1:12:17Speaker 03

  No, I have two Capital One cards.

• 1:12:20Caleb Hammer?

  Oh yeah, this is a Quicksilver. So what's going on with this?

• 1:12:23Speaker 03

  So that one also is the other portion of the vehicle repair payment.

• 1:12:27Caleb Hammer?

  Good death. So you're just paying on this past vehicle permanently forever.

• 1:12:30Speaker 03

  Yeah.

• 1:12:30Caleb Hammer?

  $2,623.99. Now I'm a little confused. A lot of the places that you can go to get car repairs usually have like a 0% interest thing instead of opening a new credit card and putting it on this.

• 1:12:42Speaker 03

  I wasn't offered that. And I went, I went to a dealership. They, it was never even mentioned.

• 1:12:46Caleb Hammer?

  I would go somewhere else.

• 1:12:48Speaker 03

  I couldn't take the car anywhere else. They had already done the work on it and I didn't really have a choice.

• 1:12:54Speaker 03

  So, okay, so the car went in for one issue and it turned into basically rebuilding the entire engine. And it was just one thing after another, after another to try.

• 1:13:05Caleb Hammer?

  Did you talk to anyone in your family?

• 1:13:06Speaker 03

  No.

• 1:13:07Caleb Hammer?

  Well, you should have asked for his advice. No one would recommend putting this much money, especially on a credit card for a car repair, for a car that's not gonna last.

• 1:13:13Speaker 03

  Well, so the intention, the intention was that these repairs were going to fix the vehicle. And I do know like,

• 1:13:21Caleb Hammer?

  I know what the intention was.

• 1:13:23Speaker 03

  But, and then it turned into, okay, well now it needs this. And, and I'd already paid this, it was like 62, $6,300 upfront for the initial repairs on the vehicle.

• 1:13:31Caleb Hammer?

  You know what's a better way to repair your life? Come in on Financial Audit, come on to Financial Audit at kalemohammer.com slash play. Continue.

• 1:13:39Speaker 03

  Um, so you know, I took it in and I, I had explained to them because they had asked me, "Hey, are you interested in trading the vehicle at all?" Like, and I, I said, "Yes." And outside of that initial them asking me, it was never brought up again. They had my vehicle from October 7th of last year up until about a month and a half ago.

• 1:13:57Caleb Hammer?

  Okay.

• 1:13:59Speaker 03

  So.

• 1:13:59Caleb Hammer?

  Okay, so you're $2,623.99 on this with a minimum monthly payment of $93. Also takes 17 years to pay off. Oh, we've had a late fee this year so far.

• 1:14:11Speaker 03

  How many?

• 1:14:13Caleb Hammer?

  One.

• 1:14:13Speaker 03

  Okay.

• 1:14:15Caleb Hammer?

  Why?

• 1:14:16Speaker 03

  I, I think it was a bounced balance. I tried to pay it and I didn't have enough.

• 1:14:19Caleb Hammer?

  Get a fucking job!

• 1:14:21Speaker 03

  I have several.

• 1:14:24Speaker 03

  I have at least one real job on paper, according to you.

• 1:14:27Caleb Hammer?

  Yeah, but you say if I work 20 hours a week in it.

• 1:14:29Speaker 03

  Well, things have been hectic lately and I've not been able to pick up. I, like I just said, I went out of town to go see my grandma who's dying.

• 1:14:35Caleb Hammer?

  I empathize with, but again, you set yourself up for this situation.

• 1:14:39Speaker 03

  I understand that.

• 1:14:39Caleb Hammer?

  All the choices you made led to this.

• 1:14:41Speaker 03

  I understand that.

• 1:14:42Caleb Hammer?

  I'm not yelling about the car breaking down. I'm not yelling about your grandma dying. It is the financial choices you made that set up your inability to be able to afford something like that.

• 1:14:51Speaker 03

  Yeah. I mean, I, I do know that, that I do have some poor financial choices, but I also, I don't, I don't, but I don't think that I should totally miss out on life and the things that it has to offer.

• 1:15:02Caleb Hammer?

  I didn't say that, but I'm fucking criticizing you for what you've done leading up to it.

• 1:15:06Speaker 03

  I know.

• 1:15:06Caleb Hammer?

  And your inability to change it, which means the next time an emergency happens, which they always do, you will also, again, destroy yourself.

• 1:15:13Speaker 03

  Well, an emergency better not happen because I don't have anything to pay for it.

• 1:15:16Caleb Hammer?

  Your grandma will die at some point. Hopefully it's in the next 20 years.

• 1:15:19Speaker 03

  Well, I do have a funeral coming up that I am gonna have to go out of town for.

• 1:15:22Caleb Hammer?

  There you go. Your grandpa will die, your parents will die, everyone will die, you will die. Okay, so that is something that is going to happen and you need to be able to prepare for that. And that will be a travel expense that I'm not gonna say I don't want you to do. That's not true, but if you continue your financial mismanagement, every time something like that hits, you're gonna permanently fuck yourself even more.

• 1:15:42Speaker 03

  Yeah. Okay.

• 1:15:44Caleb Hammer?

  You also want to go on a warped tour soon with your boyfriend? I don't even know what that is.

• 1:15:50Speaker 03

  It's a music festival.

• 1:15:51Caleb Hammer?

  Also, it's a music festival, you're not going. Also, why don't you live with your boyfriend?

• 1:15:56Speaker 03

  We're not there yet.

• 1:15:57Caleb Hammer?

  Oh, okay, pretty fresh?

• 1:15:59Speaker 03

  Yeah.

• 1:15:59Caleb Hammer?

  Okay.

• 1:16:02Caleb Hammer?

  Well, he can pay for your spending at least, right?

• 1:16:04Speaker 03

  He could, but I'm not gonna ask him to.

• 1:16:06Caleb Hammer?

  He doesn't pay when you guys go out to eat?

• 1:16:08Speaker 03

  I mean, yeah, he pays for things, but I'm not gonna, I mean, I'm not gonna ask him to pay for stuff like that. He lives out of state. So he's back up in the St. Louis area. So I don't see him very often. So that's another travel expense.

• 1:16:19Caleb Hammer?

  Right. And that card's 29%. Double love with an Ulta beauty card. What's going on with this? See, you're wearing a lot of it.

• 1:16:32Speaker 03

  Um, makeup, skincare, personal care items.

• 1:16:34Caleb Hammer?

  $491.71 with $13.50 of interest occurring with a $30 minimum monthly payment. $80 this year so far.

• 1:16:45Caleb Hammer?

  And you're going on a trip to San Diego? That is not a grand dying grandmother.

• 1:16:48Speaker 03

  No, it's not, but that was something that was already planned and booked and paid for before most of this downhill. Late last year.

• 1:16:55Caleb Hammer?

  You, you weren't making money then either. 31.24%. That is so stupid. What a moronic way to live life. I will not accept it.

• 1:17:04Speaker 03

  But to be fair, that trip, that trip, that trip.

• 1:17:07Caleb Hammer?

  I have another dying grandma in San Diego?

• 1:17:10Speaker 03

  Fuck, no.

• 1:17:10Caleb Hammer?

  So then, no, there is no to be fair.

• 1:17:13Speaker 03

  It is a girl's trip. It is not a necessary trip.

• 1:17:15Caleb Hammer?

  Girls, I don't give a.

• 1:17:16Speaker 03

  I, hotel is pay, is not paid for, is booked with points, so that is not a cost that I am in.

• 1:17:21Caleb Hammer?

  You've lost more than that in interest, I know for a fact.

• 1:17:26Caleb Hammer?

  So don't points me.

• 1:17:27Speaker 03

  Well, no, that was hotel points from when I traveled for work previously. That was points earned through hotel, not on a card.

• 1:17:32Caleb Hammer?

  To be fair.

• 1:17:34Speaker 03

  I, there, there's not really anything else that I am paying for on this trip.

• 1:17:37Caleb Hammer?

  You will spend money while you're there. I know for a fact.

• 1:17:40Speaker 03

  But stuff like that, like I've already, everybody else has already agreed to like, they're covering the rental car because I've covered the hotel. I paid for my flight, yes, but I didn't.

• 1:17:47Caleb Hammer?

  You covered everyone else's hotel with the points?

• 1:17:49Speaker 03

  Yes. It's just one room. It's one big room for everybody.

• 1:17:52Caleb Hammer?

  For pain from others when you do have to go visit.

• 1:17:56Speaker 03

  Correct.

• 1:17:56Caleb Hammer?

  For funerals and whatnot.

• 1:17:58Speaker 03

  Correct. Well, I didn't pay for it.

• 1:18:00Caleb Hammer?

  And you will spend money while you're there. So this is disgusting. This is disgusting. You make no money and you say, wow, I have to pull out of my 401k to get a car. And then you go to San Diego.

• 1:18:10Speaker 03

  I mean, buying a car is a little different than spending $200 on a trip.

• 1:18:13Caleb Hammer?

  That's what I'm saying. And yet you still are. One's a necessity, one's not. You're choosing the not. And then all of a sudden you have to damage. Then you have to damage your retirement in order to afford it because all you do is just live fun. So I don't want to.

• 1:18:25Speaker 03

  Okay, but in my.

• 1:18:26Caleb Hammer?

  31.24% interest on the Alta.

• 1:18:28Speaker 03

  The plane ticket I bought.

• 1:18:31Speaker 03

  We'll go back to the whole girl math bullshit. That was, the plane ticket to San Diego was paid for by my plasma donations. So that it's.

• 1:18:38Caleb Hammer?

  Great. Plasma donations could have gone towards paying for a car. So I don't care. Shut the up. Oh my gosh, you're broken. Is that all your debt? I think that's your debt. You got $16,827. That, the, the, you don't have student loans from your endless schooling you did?

• 1:18:56Speaker 03

  I don't have.

• 1:18:56Caleb Hammer?

  Resulted in nothing?

• 1:18:57Speaker 03

  I don't have student loans that was paid for out of a college fund.

• 1:18:59Caleb Hammer?

  Now, what about the loan to the person that?

• 1:19:01Speaker 03

  That's a 70.

• 1:19:01Caleb Hammer?

  For the, for the car.

• 1:19:02Speaker 03

  $7,500.

• 1:19:03Caleb Hammer?

  Great. I'm gonna say family. I don't know, but either way. 7,500? Do you have an agreed upon monthly payment?

• 1:19:10Speaker 03

  250.

• 1:19:11Caleb Hammer?

  Great. Is there interest?

• 1:19:13Speaker 03

  No.

• 1:19:13Caleb Hammer?

  You're lucky on that. That person must love you.

• 1:19:16Speaker 03

  Yes.

• 1:19:17Caleb Hammer?

  Well, it gets involved besides just your grandparents because you made it sound like a lot more people.

• 1:19:21Speaker 03

  As far as.

• 1:19:22Caleb Hammer?

  Opinion on your failed business.

• 1:19:24Speaker 03

  I mean, I'm sure a lot of people have an opinion on my failed business.

• 1:19:26Caleb Hammer?

  But I talked to you about it, like you said.

• 1:19:28Speaker 03

  I mean, mostly just family members. I mean, some.

• 1:19:30Caleb Hammer?

  But what's your who?

• 1:19:32Speaker 03

  I mean, my aunt, my uncle, my, my, I mean, I have a lot of them. My aunts and uncles, my grandparents, my, you know, I'm sure my parents wouldn't look at what I'm doing and be super proud of it. But they wouldn't look at me and say they're proud of anything I've done. So that's a little different.

• 1:19:46Caleb Hammer?

  Well, I mean, what have you accomplished?

• 1:19:50Speaker 03

  I mean, I

• 1:19:51Caleb Hammer?

  Not to be rude, but-

• 1:19:52Speaker 03

  I mean, it may not amount to much, but I mean-

• 1:19:53Caleb Hammer?

  If you want them to be proud of something, what have you done for them to be proud of?

• 1:19:57Speaker 03

  I mean, I don't care if they're proud of me or not.

• 1:19:58Caleb Hammer?

  Well, I know, but you brought up the point and it's-

• 1:20:00Speaker 03

  No, I know, but I mean-

• 1:20:01Caleb Hammer?

  I mean, it's mean for them to say it. I wouldn't recommend they say, "Hey, we're not proud of you." Like, that's kind of-

• 1:20:06Speaker 03

  I mean, whatever.

• 1:20:06Caleb Hammer?

  But for what it's worth, what can you show that they would be proud of?

• 1:20:09Speaker 03

  I mean, it may not be profitable. It may not be doing very well right now, but I am, I mean, I am, I am truly working and trying to figure out ways to make the business more profitable.

• 1:20:19Caleb Hammer?

  Anyone can go not make money. You want someone to be proud of that? I don't know.

• 1:20:22Speaker 03

  No, but-

• 1:20:22Caleb Hammer?

  That doesn't make sense.

• 1:20:23Speaker 03

  I mean, I'm, I'm working on building something for myself by myself.

• 1:20:26Caleb Hammer?

  Okay, she doesn't get it. $212 in her checking account. So thank God we're going to [__] Domino's. Going in and getting some bull, McDonald's, Long, Dodgers, Vieira Restaurant, Burger King, Bread, uh, Beard Octane, Colister, going to the pub, American Nails. Good, she spent $60 on nails.

• 1:20:46Speaker 03

  That was supplies that I bought at the beauty show, and so was Beard Octane.

• 1:20:49Caleb Hammer?

  Bonne Siblity, Beauty and Body Works.

• 1:20:52Speaker 03

  All of that, that's insurance.

• 1:20:54Caleb Hammer?

  Vaping Smoke, going in and getting some bull. Vaping Smoke?

• 1:21:01Caleb Hammer?

  What?

• 1:21:01Speaker 03

  Part of the, I, I do, I do vape.

• 1:21:03Caleb Hammer?

  What is it?

• 1:21:03Speaker 03

  Just vape.

• 1:21:04Caleb Hammer?

  How much?

• 1:21:05Speaker 03

  I maybe go through one a month. That cost is actually split between me and one other person. I do purchase for someone else when I go and then they just pay me back cash.

• 1:21:11Caleb Hammer?

  Well, it sounds like your funeral is the one everyone's gonna be going to sooner.

• 1:21:16Caleb Hammer?

  At least someone won't have to worry about your dad by then.

• 1:21:19Speaker 03

  Someone else's problem at that point, isn't it?

• 1:21:21Caleb Hammer?

  Okay, $112 in this one. It, it started with $14,000, ended with $112. What the [__] is happening here?

• 1:21:29Speaker 03

  That would be a, I believe that's my savings account.

• 1:21:32Caleb Hammer?

  It was at $14,000?

• 1:21:34Speaker 03

  Mm-hmm.

• 1:21:35Caleb Hammer?

  How did it go down?

• 1:21:36Speaker 03

  Um, I-

• 1:21:37Caleb Hammer?

  Well, actually, let's find the [__] out. First of all, how'd you get 14?

• 1:21:40Speaker 03

  I had a, I had a really good savings and I had myself set up really well when I worked for Walmart, but-

• 1:21:45Caleb Hammer?

  Ah, so full from retirement and emergency fund [__] off.

• 1:21:49Speaker 03

  I-

• 1:21:49Caleb Hammer?

  Welcome to Rockville.

• 1:21:51Speaker 03

  That was a music festival.

• 1:21:53Caleb Hammer?

  Music festival, music festival, music festival, music festival, Chili's, Chick-fil-A, Starbucks, Chick-fil-A, Canva, Cash App, Canva to make something that is never posted on social media.

• 1:22:01Speaker 03

  Maybe that's not-

• 1:22:02Caleb Hammer?

  ATM withdrawal 300, ATM withdrawal 650, ATM withdrawal 650, ATM withdrawal 650, ATM withdrawal 650, 650, 650, 650, 650. Where the [__] did that all go?

• 1:22:11Speaker 03

  Uh, the car.

• 1:22:13Caleb Hammer?

  Oh, man.

• 1:22:14Speaker 03

  I paid cash.

• 1:22:15Caleb Hammer?

  Apple bill, going in, getting some bullshit, some chick for and like

• 1:22:19Speaker 03

  I think that's, that's actually a checking account, not my savings account.

• 1:22:22Caleb Hammer?

  Bill, going into BS, Peacock Premium, what the for? Apple bill, uh, Apple Store, Orlando, stuff.

• 1:22:31Speaker 03

  My phone.

• 1:22:32Caleb Hammer?

  Amazon, I don't care. Going against BS, Florida Key Lime, Playlandia Brewing, all to drain our savings for fun, fun, fun. Come on, the car thing, I can get it, that's what an emergency fund is for, but then you had so much fun on there and you drained your savings? Come on, no sympathy, pull out your fucking phone, pull out your phone right now. Right now, from fourteen thousand or whatever to a hundred and twelve dollars, where we got seventy-four dollars in savings. You kill me now.

• 1:23:01Caleb Hammer?

  What a joke. Subscriptions on Apple, we got iCloud Plus and Sirius XM, did have Tinder, expired March twenty first, so this relationship is fresh? It's or were you swiping while you're dating?

• 1:23:13Speaker 03

  Actually, no, no, no, no, no, no, no, it's, it's not like that, that actually.

• 1:23:18Caleb Hammer?

  Very defensive.

• 1:23:19Speaker 03

  Tinder, no, that Tinder Premium was for something that my friends and I were trying to look into and I paid for it and.

• 1:23:25Caleb Hammer?

  What?

• 1:23:26Speaker 03

  Yeah.

• 1:23:27Caleb Hammer?

  Yeah, you're gonna explain that a bit more.

• 1:23:29Speaker 03

  Yeah, so I, we had found someone on there and then couldn't find them again and so we decided it would be a good idea to just pay for the premium so I could get back to the person.

• 1:23:38Caleb Hammer?

  And why didn't, um, they, your friends?

• 1:23:42Speaker 03

  It was on my phone.

• 1:23:42Caleb Hammer?

  Where you're collaborating with?

• 1:23:43Speaker 03

  On my phone.

• 1:23:44Caleb Hammer?

  What was on your phone?

• 1:23:46Speaker 03

  The account.

• 1:23:47Caleb Hammer?

  They could log in on their phone.

• 1:23:50Speaker 03

  It was already pulled up on mine and we were already doing all of this, but that, it was a, it was literally, it was charged once and then canceled immediately.

• 1:24:00Caleb Hammer?

  Okay.

• 1:24:01Speaker 03

  Sirius XM is a free.

• 1:24:03Caleb Hammer?

  They're calling out your body language, you're covering your mouth and stuff.

• 1:24:07Caleb Hammer?

  Right now, by the way. Oh, good, twenty-three things in our cart on Amazon.

• 1:24:14Caleb Hammer?

  Good. We got, oh, hair extensions. Oh, a turbo fan. Oh, a photo stick thumb drive. Some tops, keyboard and mouse for sale signs. Some shirts and shirts and push up bras. Listen, if you got them, you got them. If you don't, don't, don't, and you don't need to fake show off.

• 1:24:34Speaker 03

  So sticky bra invisible silicone cream. This is a shared Amazon account. Let me be very clear on that.

• 1:24:41Caleb Hammer?

  And who?

• 1:24:42Speaker 03

  One of my friends. It's her account.

• 1:24:44Caleb Hammer?

  Always the friends.

• 1:24:45Speaker 03

  No, it really is.

• 1:24:47Caleb Hammer?

  Pro gaming mouse.

• 1:24:50Caleb Hammer?

  Endless chunky, clunky rings and dynamite set. And we know he had Amazon purchases on there. So 40 piece leopard skin party napkins. What the?

• 1:25:00Speaker 03

  It's her for her birthday.

• 1:25:01Caleb Hammer?

  And lace thing. All the other ones you didn't say were her. Fake cigarettes.

• 1:25:06Speaker 03

  No, all those are not.

• 1:25:07Caleb Hammer?

  Umbrella sling, crown gold necklace, more jewelry, jewelry, jewelry.

• 1:25:11Speaker 03

  The watch I did mine right there.

• 1:25:13Caleb Hammer?

  I see that.

• 1:25:14Speaker 03

  Duh.

• 1:25:15Caleb Hammer?

  Yeah, we can't afford to pay bills. Guys, I had to pull from my 401k in order to get a car. But let me go ahead and just spend all this money on jewelry. Shut the.

• 1:25:22Speaker 03

  Maybe if you look at a lot of that stuff was was returned. The phone adapters.

• 1:25:26Caleb Hammer?

  Shut the fuck up.

• 1:25:29Caleb Hammer?

  Asus ROG.

• 1:25:30Speaker 03

  A lot of these are also business.

• 1:25:31Caleb Hammer?

  Offs.

• 1:25:33Speaker 03

  The stuff that I buy, a lot of what I buy is a business expense.

• 1:25:36Caleb Hammer?

  Fucking die.

• 1:25:38Speaker 03

  No.

• 1:25:38Caleb Hammer?

  Quiet. I will say Tinder is officially deleted from the phone.

• 1:25:43Speaker 03

  Yeah, it's not. Yeah, I don't use it. I don't.

• 1:25:48Caleb Hammer?

  And how do you keep track of these write offs?

• 1:25:52Speaker 03

  I keep my receipts. I have a couple different little folder things that I put all my receipts in.

• 1:25:56Caleb Hammer?

  Couple different ones?

• 1:25:58Speaker 03

  Yeah, like I keep them around. I have one in my, in my work bag, one in my, my car. So then at the end of the year, it all just collectively comes into a big pile.

• 1:26:04Caleb Hammer?

  We will see. Okay, so 2,550 comes in and let's just say we don't even pay taxes. Let's just be generous. So yeah, let's get these debt minimum payments. Let's, let's figure this budget out. You know, let's just, I mean, you're gonna have to a little bit. Let's just say 2,000 dollars is what you get on a monthly basis. And come on. No, I mean, okay, fine, fine. You're gonna write off some of the expenses, but let's calculate that against the 550. Okay, so some expenses, blah, blah, blah, blah, blah. Okay, good. So let's just call it 2,000 is net. What comes after business expenses? Good.

• 1:26:35Caleb Hammer?

  And debt minimum monthly payments is $614.36. Okay, we know your rent at the house is 500. Do you have to pay anything towards utilities and whatnot?

• 1:26:44Speaker 03

  No.

• 1:26:45Caleb Hammer?

  Internet?

• 1:26:46Speaker 03

  No.

• 1:26:46Caleb Hammer?

  Renters insurance?

• 1:26:48Speaker 03

  Uh, I do pay for renters insurance because I also pay for a storage unit.

• 1:26:52Caleb Hammer?

  How much is all that?

• 1:26:53Speaker 03

  Uh, my storage unit just went up. I think it's 110 a month.

• 1:26:55Caleb Hammer?

  And that comes with renters insurance?

• 1:26:57Speaker 03

  I pay the renters insurance. Outside of that, I think it's $16.

• 1:27:00Caleb Hammer?

  Okay, so we'll save for that. $126. Great, great, great, great, great, great. Phone bill?

• 1:27:06Speaker 03

  Um, so upfront, I pay the cost. I have a shared phone plan with my grandma. So I pay the upfront cost of $110.

• 1:27:13Caleb Hammer?

  No, why?

• 1:27:14Speaker 03

  And then...

• 1:27:15Caleb Hammer?

  You're still on your phone?

• 1:27:17Speaker 03

  Because I just had to get a new phone.

• 1:27:19Caleb Hammer?

  And she pays you some back?

• 1:27:20Speaker 03

  So she pays me for her half of the phone bill, so...

• 1:27:23Caleb Hammer?

  And what happens when...

• 1:27:25Speaker 03

  Uh, then I'm gonna have to figure it out.

• 1:27:26Caleb Hammer?

  Okay, so what do you have to pay?

• 1:27:28Speaker 03

  So my half of the phone bill is, uh, $55.

• 1:27:32Caleb Hammer?

  Okay. I'd switch to Helium if T-Mobile's good in your area. Once you have that phone paid off.

• 1:27:36Speaker 03

  Okay.

• 1:27:36Caleb Hammer?

  It's much cheaper, same coverage.

• 1:27:38Speaker 03

  Okay.

• 1:27:39Caleb Hammer?

  Okay, gas, vroom vroom, drive, drive. How much on a monthly basis?

• 1:27:43Speaker 03

  Um...

• 1:27:46Speaker 03

  If I'm not going anywhere, I'm staying local, then it's probably $150 a month.

• 1:27:53Caleb Hammer?

  If you don't do anything that you always do, okay. Car insurance?

• 1:27:57Speaker 03

  Um, that currently is $270.

• 1:28:03Caleb Hammer?

  $270? Okay.

• 1:28:04Speaker 03

  I think...

• 1:28:05Caleb Hammer?

  $300 for food. Use our budget-friendly cookbook and use the budget app that you get for free.

• 1:28:09Speaker 03

  Okay.

• 1:28:09Caleb Hammer?

  You can make that work. I promise. We've done the math. Uh, $100 bucks for TP-FUND. Anything else you need to survive? It's your own makeup, it's your own toilet paper, it's your tampons, whatever, whatever. Co-pays? Uh, okay, we're getting health insurance. I'm gonna put at least 100 towards that. I think you're gonna be heavily subsidized, so let's just say 100.

• 1:28:26Speaker 03

  Okay.

• 1:28:26Caleb Hammer?

  You have any pets?

• 1:28:27Speaker 03

  Uh, no.

• 1:28:28Caleb Hammer?

  Please don't. Thank goodness. Any other things that need to be in your budget that do not, that I have not brought up?

• 1:28:37Speaker 03

  Uh, I don't think so.

• 1:28:41Caleb Hammer?

  Okay.

• 1:28:41Speaker 03

  I don't think so.

• 1:28:42Caleb Hammer?

  Good. Well, okay. You're $2,215.36 is what you need to survive. 2,000 is probably what you bring in after business expenses. So. Ah, you're.

• 1:28:55Speaker 03

  Yeah.

• 1:28:57Speaker 03

  I honestly, I didn't think it was that bad.

• 1:29:01Caleb Hammer?

  How?

• 1:29:02Speaker 03

  I just, I didn't, I didn't think my monthly expenses were that high.

• 1:29:08Caleb Hammer?

  You said you've put everything on paper. This is a very basic, that took me.

• 1:29:12Speaker 03

  No, I, I know.

• 1:29:13Caleb Hammer?

  Two and a half minutes.

• 1:29:14Speaker 03

  It's not, I just, I don't, I, I put it down in hopes that I kind of understand it better. But I, I mean, I truly don't understand it. So.

• 1:29:22Speaker 03

  And it changes, so.

• 1:29:24Caleb Hammer?

  Why?

• 1:29:24Speaker 03

  I mean, what I bring in changes and what goes.

• 1:29:26Caleb Hammer?

  But not your expenses.

• 1:29:27Speaker 03

  I mean, but like monthly minimum payments change month, you know?

• 1:29:31Caleb Hammer?

  Barely, barely, very barely. Okay, what's your move back plan? Is there a plan?

• 1:29:36Speaker 03

  Um, I mean, it's just a very general plan. At this point, I would like to just pay down as much as I can and save up to make the move. But I also know that I need to.

• 1:29:45Caleb Hammer?

  How can you save if you make less than you bring in? If you spend less, if you spend more than you bring in just to survive.

• 1:29:52Speaker 03

  No, no, you can't.

• 1:29:55Speaker 03

  Unfortunately, I can't. That's, that's where I'm trying to dig myself out of this.

• 1:29:58Caleb Hammer?

  I'll be honest.

• 1:29:59Speaker 03

  I'm digging.

• 1:30:00Caleb Hammer?

  Some potential business things you need to do, or if this car breaks down, it might get. But listen, what I'm personally doing, other than the family debt, if you can prove you changed your behavior for a few months, I'm declaring bankruptcy if you're going to continue down this path and I'm going to wipe this debt. It's going to you for a bit and it's a few thousand hours to go through and it can be a little stressful. So you have to change your behavior, prove you do it so you don't end up back here in the first place. But more than anything, you need to get into a career field that fucking, that has demand, that is providing more value. That is not oversaturated. You need to do a little research on what you want to do and we can get you geared towards education or certifications that want to, that, that gets you to where you want to go. But right now, this is not working. Whether you do that in St. Lettuce or there, I don't know. But this is not working as simple as that. This is.

• 1:30:45Caleb Hammer?

  This is, those are the two steps I'd take from here.

• 1:30:48Speaker 03

  Yeah, bankruptcy has been something that has been mentioned to me before.

• 1:30:52Caleb Hammer?

  Yeah, but not until you change your behavior else you'll end up right back here. And we've had people on the show that have done that.

• 1:30:56Speaker 03

  Yeah, and that's well, and because I do, um, you know what? I, I don't remember if I sent the stuff in for it, but I do have a personal loan out with the bank.

• 1:31:05Caleb Hammer?

  Okay, well, at this point, we're going to talk about it on the post show because I can wrap this. So join Hammer Elite, link in the description below. Come hang out, it's gonna be great. Let's get your Hammer Financial score. Spending in a budget, you overspend, zero out of 10. Debt?

• 1:31:21Caleb Hammer?

  Family debt's not great, we don't like that. Okay, no IRS debt or collections as far as I know, so one out of 10. Emergency fund, well, you drained it, zero out of 10. Retirement, well, you drained it, zero out of 10. Real estate's zero out of 10. You honestly probably went from, um, maybe a three down to a rounded up point five out of 10. Come join us in the post show, guys. It's juicy as always. Join that Hammer Elite membership in the link in the description below, the number one on the platform. We'll see you there. What the is going on with this personal account?

• 1:31:52Speaker 03

  I took out a personal loan through the bank to consolidate credit card debt.

• 1:31:57Caleb Hammer?

  Oh, the and now your credit cards are all maxed out. What are you on this personal loan?

• 1:32:04Caleb Hammer?

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

• 1:32:14Speaker 06

  Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger, fresh for everyone. Restrictions apply, see site or store for details.