Gold Digger Keeps Destroying This Mans Life | Financial Audit

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How many times have you guys break up?

• 0:04Speaker 01

  Twice.

• 0:05Speaker 02

  Twice.

• 0:05Caleb Hammer?

  Why are you guys always breaking up?

• 0:07Speaker 02

  Finances might have been apart.

• 0:08Caleb Hammer?

  Is that true?

• 0:09Speaker 01

  We both cheated on each other.

• 0:11Caleb Hammer?

  Who the [__] cheated first? Or was this a? And then you revenge cheated.

• 0:15Speaker 01

  Yeah, um.

• 0:16Speaker 02

  People were having [__] with two people at one time without commitment to either one?

• 0:22Caleb Hammer?

  Download my new simpler budget app today and take control of your money once and for all.

• 0:30Speaker 02

  Hi, my name's Cara. I'm 30 years old.

• 0:32Speaker 01

  And I'm Brian. I'm 32 years old. We're from Detroit, Michigan.

• 0:35Speaker 02

  And this is Financial Audit.

• 0:38Caleb Hammer?

  Oh, I am glad I escaped my homeland, Michigan, to not be suffering every single day in gray and sadness and depression. Okay, well, welcome down. It's not like it's very happy today anyway. Yeah, so whatever.

• 0:53Speaker 01

  Warmer here than it is.

• 0:54Speaker 02

  Yeah, we'll take it.

• 0:55Caleb Hammer?

  What do you guys do for a living up in sad zone?

• 0:59Speaker 01

  Uh, I do corporate safety for a construction company.

• 1:02Caleb Hammer?

  Okay, what is it? What are you going around punching [__] that walk up?

• 1:06Speaker 02

  He wishes.

• 1:08Speaker 01

  No, I'm the asshole that yells at people for not being safe.

• 1:11Caleb Hammer?

  Oh, interesting. What are you, what are you making with that?

• 1:14Speaker 01

  Uh, $60,000.

• 1:15Caleb Hammer?

  Not bad. Detroit's not expensive at all. Buy a [__] mega mansion for a penny. What about you?

• 1:22Speaker 02

  Um, I actually just got licensed for a vet tech.

• 1:25Caleb Hammer?

  Ooh, okay. And that is some hard work. Vet tech doesn't always make the most. What are you gonna be making? Or what do you make now? You just got licensed? Do you not make anything now? Are you not working?

• 1:35Speaker 02

  No, so I actually started working again. I was a stay-at-home mom during school and stuff, um, but.

• 1:40Caleb Hammer?

  Uh-oh, children, ages?

• 1:41Speaker 02

  Um, she's 10.

• 1:43Caleb Hammer?

  Just one, okay.

• 1:44Speaker 02

  But so I just got licensed in December because I just passed my test, um, which I get a raise. So I just got it up to $20, which is not a lot.

• 1:55Caleb Hammer?

  Well, from Detroit where everything.

• 1:58Speaker 02

  Yeah.

• 1:58Caleb Hammer?

  Yeah.

• 1:58Speaker 02

  Yeah, but still, um, lifestyle-wise and debt-wise, uh, it's not the greatest. So I actually am asking for a raise when I get back.

• 2:05Speaker 01

  Very under.

• 2:06Caleb Hammer?

  You just got a raise and you're asking it?

• 2:08Speaker 02

  Well.

• 2:09Caleb Hammer?

  Is that not gonna be like just a little weird? Or are they gonna think you don't have the best intentions?

• 2:12Speaker 02

  It's very small.

• 2:13Caleb Hammer?

  They're gonna be nervous you're leaving? Okay.

• 2:15Speaker 02

  It's like very, like, we have five employees and one of them is like the hospital manager.

• 2:19Caleb Hammer?

  Yeah.

• 2:20Speaker 02

  They're.

• 2:20Caleb Hammer?

  How's the revenue for the?

• 2:22Speaker 02

  Oh, they're great. They're doing great.

• 2:23Caleb Hammer?

  Okay, like, so what are you gonna be asking for a raise to? Or just, uh, may I please have a raise?

• 2:28Speaker 02

  No, no, uh. Twenty-three, I'll take twenty-two if I have to, but.

• 2:35Caleb Hammer?

  You have to? Do you think they'll give it? You said you just got a raise.

• 2:38Speaker 02

  Yeah, it was part of like when I sign, like, um, when I got hired, their rules, once you get licensed, you can get twenty.

• 2:44Caleb Hammer?

  Okay. What were you making before?

• 2:46Speaker 02

  Eighteen.

• 2:47Caleb Hammer?

  Okay, so what do you bring home net now?

• 2:52Speaker 02

  Um, a month, about twenty-two hundred.

• 2:54Caleb Hammer?

  And you?

• 2:54Speaker 01

  Uh, like thirty-two hundred a month?

• 2:57Caleb Hammer?

  All right, so in the Detroit area, not necessarily bad. Again, it's just, it's just a little further there compared to most big cities. I know the, uh, it was kind of that one nice area in the downtown area and like the, so where the stadiums and stuff are, it can be a little more expensive there. Or if you're in the deep burbs, it can be expensive again.

• 3:17Speaker 01

  Yeah, we're not in any of those nice.

• 3:18Caleb Hammer?

  Okay.

• 3:19Speaker 01

  We live north of Detroit, yeah.

• 3:20Speaker 02

  Yeah.

• 3:21Caleb Hammer?

  Okay, so how we doing? Sixty-four thousand dollars a month, net, sixty-four hundred, sorry?

• 3:26Speaker 01

  Sixty-four thousand.

• 3:27Caleb Hammer?

  How we feeling?

• 3:28Speaker 01

  Um, I feel okay, and actually, that's a little bit of a low ball. Um, I coach soccer as well, so it's a little bit more.

• 3:35Caleb Hammer?

  What you mean coaching soccer?

• 3:37Speaker 01

  Not a lot. Uh, I coach both high school, boys and girls, and I coach youth travel.

• 3:43Caleb Hammer?

  Okay, what are, what, what's extra a month? I mean, I assume that's seasonal.

• 3:47Speaker 01

  Like about a thousand, maybe twelve hundred a month. It's not seasonal, it's year-round.

• 3:51Caleb Hammer?

  Really?

• 3:52Speaker 01

  Yeah.

• 3:52Caleb Hammer?

  Extra thousand a month?

• 3:54Speaker 01

  Yeah.

• 3:54Caleb Hammer?

  Net?

• 3:55Speaker 01

  Yeah.

• 3:55Caleb Hammer?

  So seven thousand four hundred. What's going on here today, guys? What are we? What are we looking at?

• 4:05Speaker 01

  I think it was more or less when, uh, Kara wasn't working, it got a little bit out of hand. Um.

• 4:11Caleb Hammer?

  Which was for how long again? Cause you, you said stay-at-home mom, that usually means quite about a while.

• 4:16Speaker 02

  So, we've been together for thirteen years, so it has been a roller coaster for the first portion.

• 4:24Caleb Hammer?

  How long were you not working?

• 4:26Speaker 02

  I'd say about a year, year and a half, but I was.

• 4:31Caleb Hammer?

  When? A year and year and a half, when?

• 4:34Speaker 02

  Uh, a year ago.

• 4:36Caleb Hammer?

  Why did you end up becoming stay-at-home mom when she was already in grade school? I'm a little confused. Why did we start stay-at-home mom at nine? It's usually just, well, I mean, you guys can if you want to, I don't give a fuck.

• 4:44Speaker 02

  Yeah.

• 4:45Caleb Hammer?

  But that's not usually traditional age of the kid when stay-at-home mom starts.

• 4:50Speaker 02

  Um, I think it was.

• 4:51Speaker 01

  My choice.

• 4:52Speaker 02

  Uh, actually, it is something that we agreed upon. Um,

• 4:56Caleb Hammer?

  Did you agree?

• 4:58Speaker 02

  You did.

• 4:58Caleb Hammer?

  Reluctantly, yes.

• 5:00Speaker 02

  It was agreed upon because I wanted to focus on school and actually it might have been closer to COVID.

• 5:07Caleb Hammer?

  So you weren't a stay at home mom, you were schooling.

• 5:09Speaker 02

  Well, yeah, yeah, but I still was at home during COVID.

• 5:12Caleb Hammer?

  Did you not want her to do them?

• 5:14Speaker 01

  I mean, I'm lazy.

• 5:15Caleb Hammer?

  A year ago.

• 5:16Speaker 02

  I know. I mean, like, uh, that's when it kind of started. So I stayed home for COVID for her and for me because I had to.

• 5:26Caleb Hammer?

  So it's been four years then because COVID was 2020. So you are unemployed for four years?

• 5:33Speaker 01

  She went back to work, uh, about a year, year and a half ago.

• 5:36Speaker 02

  I don't know, man.

• 5:38Caleb Hammer?

  This is so confusing. We need to know. I'm just trying to get, trying to establish your lore so I can just understand what's happening here.

• 5:46Speaker 02

  But also.

• 5:46Caleb Hammer?

  How are you? How? When were you out of work and for how long?

• 5:50Speaker 01

  I think she was out of work 2020 to 2022.

• 5:54Speaker 02

  Yeah.

• 5:56Speaker 02

  That sounds about good.

• 5:57Caleb Hammer?

  That lines up more with the pandemic. Okay. So you're saying this problem stems from that? I mean, I know you guys were getting, uh, I mean, you guys got, I mean, you stimmed it up a little. You got some stimmy. You also town tax credit helps a little, but Detroit also just being cheaper and you don't have a insignificant income.

• 6:18Speaker 01

  No, I mean, where we live now, the taxes are pretty high, but I.

• 6:22Caleb Hammer?

  What taxes are you talking about? Taxes in Texas are higher. If it's just the property tax and sale taxes alone, sales tax in Michigan are six percent.

• 6:30Speaker 01

  Not sales tax, property tax. We live in a city that had a huge water issue, um, maybe 10 years ago. And it's still being paid by taxpayers, but I mean, that doesn't really equate to where we're at.

• 6:44Speaker 02

  And our stimulus went away pretty quickly.

• 6:47Caleb Hammer?

  Well, yeah, I know, but you, again, you were unemployed during the time when that happened. You know, you were staying at home during that time.

• 6:54Speaker 02

  We used it to buy a house and to buy furniture.

• 6:57Caleb Hammer?

  Not to sustain yourself? You put it to buy a house? How expensive is your house? Cause again, in the Detroit area, it's a little cheaper.

• 7:03Speaker 01

  No, our house wasn't expensive. We paid 185 for it.

• 7:06Caleb Hammer?

  How is it?

• 7:07Speaker 02

  It's nice. It's a tri-level.

• 7:09Speaker 01

  1600 square feet.

• 7:12Speaker 01

  Like I said, the taxes being higher, it doesn't, doesn't make sense to where we're at financially. And I think-

• 7:19Caleb Hammer?

  What do you mean? Even if the property tax rate is higher, which I'm by the way, looking for at a house under $250,000. What are you talking about? Like, what, how much is being sucked away from me? What, like, I don't know what you mean.

• 7:33Speaker 02

  Didn't it go up since we last bought it?

• 7:34Speaker 01

  Well, our homeowners insurance has gone up. But taxes go up-

• 7:37Caleb Hammer?

  How much? This can't be, this can't be what's making or breaking now.

• 7:40Speaker 01

  Our homeowners insurance is insane. It's 3,600 a year. So, within like, the last year, we had a flood claim in our basement and it was a relatively small claim, but it made our, uh, our homeowners insurance go from 1,600 a year to 3,600 a year.

• 7:58Caleb Hammer?

  Okay, so 3,600, and that, and trust me, that's not insignificant money, but we're talking extra three, we're talking 300 dollars a month total. That wouldn't be make or break for someone in your guys' position. I really don't get it. I feel like, and then the property tax rate, again, even if the rate is high, which I don't know yet, because all these, all the fucking search engines are down right now. Uh, what's your property tax bill? How about that?

• 8:20Speaker 01

  Like 4,000 a year.

• 8:21Caleb Hammer?

  Okay, so it's-

• 8:25Caleb Hammer?

  Which sucks. So-

• 8:27Speaker 01

  Right, but I mean-

• 8:28Caleb Hammer?

  600 bucks a month, an extra 600 bucks a month, you know, if we're talking-

• 8:31Speaker 01

  It doesn't add up.

• 8:32Caleb Hammer?

  Yeah, well, I just, that is money. It is not insignificant money. I am just thinking for your income scale, where you are in a lower cost of living area, and it's not like it's cheap for everyone, I get it, but you're in a relatively decent position. How would that be the make or break for our life? I feel like that is not the actual answer to our question. I think it is the answer to the question that you guys have been cope telling yourself. So what the is actually going on?

• 8:58Speaker 02

  Um, so there was a while where I would just like, ask him for money for stuff. Obviously, being the stay-at-home mom, I was the taxi driver and- He likes to keep me from getting stressed. So he would say, as long as our savings isn't under, I don't know, like 10,000, we're fine. And once we get to that point, I'll let you know when we have to worry or start cutting back. So I would ask for money and most of the time I got it. And also I have years of debt from when we would not be together and I had to scrounge up money for myself. So most of that debt is mine.

• 9:34Caleb Hammer?

  Scrounge up. Why aren't we?

• 9:36Speaker 01

  We, we have broken up in the past and during that time.

• 9:39Caleb Hammer?

  During the marriage?

• 9:40Speaker 02

  Well, we're not married. Yeah.

• 9:41Speaker 01

  We're not legally.

• 9:42Caleb Hammer?

  Oh, you're not married?

• 9:43Speaker 01

  We're not legally.

• 9:44Speaker 02

  Not legally married, but we wear rings and we like say that we are. 13 years.

• 9:48Caleb Hammer?

  But the you're not married?

• 9:49Speaker 01

  We just haven't had a.

• 9:50Caleb Hammer?

  Why? But you can courthouse and you can get tax benefits. What are we doing?

• 9:54Speaker 02

  I don't know. We were working on ourself. We go to therapy and stuff.

• 9:57Caleb Hammer?

  Yourselves. Aren't you guys a couple? You have a kid together?

• 10:00Speaker 02

  No, like ourselves together.

• 10:01Caleb Hammer?

  Perfect. So get married. I don't know. What you're talking about. Like, why are we not married?

• 10:04Speaker 01

  Just because we haven't had the formality of doing so.

• 10:07Speaker 02

  Yeah.

• 10:07Caleb Hammer?

  It's a courthouse.

• 10:08Speaker 02

  We just don't care that much about like the paper part, I guess, is every.

• 10:13Caleb Hammer?

  What about the legality?

• 10:14Speaker 02

  Um, I don't know.

• 10:18Speaker 02

  I, on my side, I don't know much about any of that.

• 10:21Caleb Hammer?

  How many times you guys break up?

• 10:22Speaker 01

  Twice.

• 10:23Speaker 02

  Twice.

• 10:23Caleb Hammer?

  When?

• 10:24Speaker 01

  Uh, once, like three years ago and the other time.

• 10:28Caleb Hammer?

  Like seven?

• 10:29Speaker 01

  Yeah.

• 10:29Speaker 02

  When the kid was seven. Yeah.

• 10:30Speaker 01

  And once when the, when, uh, our daughter was very young.

• 10:34Speaker 02

  Like one?

• 10:34Caleb Hammer?

  Why you guys always breaking up?

• 10:36Speaker 01

  I don't know. Cause we're.

• 10:37Speaker 02

  We were young and dumb.

• 10:38Caleb Hammer?

  Why are you guys breaking up?

• 10:39Speaker 02

  Finances might've been a part for some of it and then.

• 10:42Caleb Hammer?

  Is that true?

• 10:43Speaker 01

  Yeah, that's part of it. Yeah.

• 10:44Caleb Hammer?

  Okay. Who's, why, when, what, where? Cause, uh, yeah, that's the leading cause for divorce. Not that you guys can get divorced, but in this country.

• 10:51Speaker 02

  If we're not married.

• 10:52Caleb Hammer?

  And you're right, by the way, Detroit like leads with property taxes. You're a hundred percent right. But of course the median property value in Detroit is substantially under.

• 11:00Speaker 01

  Right, right.

• 11:00Caleb Hammer?

  So it offsets a little, but I understand it definitely hurts seeing that percentage being added because the percentage is high. Either way, $300 a month is not make or break for your life.

• 11:08Speaker 01

  I, I, I think, I think that's true. I think it's a bit of us kind of.

• 11:12Caleb Hammer?

  Excuse.

• 11:13Speaker 01

  A coping, coping skill where we like to hide our, uh, our, uh, financial insecurities.

• 11:19Caleb Hammer?

  Tell me about these breakups that constantly happen because if we're navigating this situation, we're trying to get you to a place where you guys are going to be together forever and hit these goals. I need to know a little bit of this backstory. I don't know if you guys need to start from the beginning or what the?

• 11:30Speaker 02

  If we start from

• 11:31Caleb Hammer?

  Tell me what the is going on?

• 11:33Speaker 01

  We had our kid really young. We made stupid mistakes and and

• 11:37Caleb Hammer?

  What mistakes?

• 11:38Speaker 02

  It's like, we didn't commit very well in the

• 11:40Caleb Hammer?

  You guys haven't committed once. You're not married.

• 11:43Speaker 01

  The first time we broke up, we both cheated on each other. The second time it was more financial based.

• 11:50Caleb Hammer?

  You're cheaters.

• 11:52Speaker 01

  Were.

• 11:52Speaker 02

  Were.

• 11:53Caleb Hammer?

  Or you did.

• 11:55Speaker 01

  We did.

• 11:56Speaker 02

  We have been a cheater.

• 11:57Caleb Hammer?

  Once an alcoholic, always an alcoholic, whether or not you're alcoholic in right now via drinking.

• 12:02Speaker 02

  I guess.

• 12:03Caleb Hammer?

  So who the cheated first? Or was this a? Why? What are you doing?

• 12:08Speaker 02

  Um, he told me I couldn't do something and I

• 12:11Caleb Hammer?

  What?

• 12:12Speaker 02

  Not the cheating part. It was

• 12:14Caleb Hammer?

  Yeah, you usually can't do that in a relationship.

• 12:16Speaker 02

  I know, but so we had had our kid and I felt like I was doing a lot of the work. I was young. I was just turned 20. So he wouldn't let me do anything. I felt like

• 12:26Speaker 01

  Yes.

• 12:27Caleb Hammer?

  Why? Why wouldn't you let her do anything? What are you?

• 12:29Speaker 01

  It wasn't like I wasn't. It wasn't like that. No, it was like she wanted to do things that were irresponsible.

• 12:35Caleb Hammer?

  What?

• 12:35Speaker 01

  Like constantly go out with her friends and drink every, you know, three, four days.

• 12:40Caleb Hammer?

  Well, that's a little hard when we're trying to raise a child.

• 12:43Speaker 02

  True, but then there was a time where he would want to hang out with his friends at the house and he said, if you leave, then we're breaking up. And I said, fine. So I left and closed the door.

• 12:52Caleb Hammer?

  Okay.

• 12:53Speaker 02

  We were 20 and 22.

• 12:55Caleb Hammer?

  Yeah, but you had a kid.

• 12:57Speaker 02

  We shouldn't have.

• 12:58Speaker 01

  Was an oopsie.

• 12:58Speaker 02

  Yeah.

• 12:59Caleb Hammer?

  Well, hopefully she doesn't watch this.

• 13:01Speaker 02

  Oh, well, no, she knows that birth control is very important, even though it doesn't work.

• 13:04Caleb Hammer?

  She knows that at 10?

• 13:06Speaker 02

  We talk about it.

• 13:07Caleb Hammer?

  Your 10 knows that birth control does not work.

• 13:10Speaker 02

  I mean, you should use it, but there's the man has to do his part and we did not do that part.

• 13:16Speaker 01

  Our child is very mature.

• 13:17Speaker 02

  She is.

• 13:21Caleb Hammer?

  Cause she sees so many drive by shootings in Detroit?

• 13:24Speaker 02

  I mean, maybe.

• 13:25Caleb Hammer?

  She had to grow up quick.

• 13:26Speaker 01

  Nope, because we're open with her and we're honest about how the world is working and

• 13:31Speaker 02

  I don't want to raise her kid for her when she's a teenager, if that happens. So just prepping her.

• 13:39Caleb Hammer?

  Okay, so he confined you to the house, kind of, but also, kinda correctly, also didn't want you to go raging every single night.

• 13:50Speaker 02

  Yeah.

• 13:50Caleb Hammer?

  With a kid at home. Well, that's not unfair, but okay, so you went and sucked some.

• 13:57Speaker 02

  Oh, no, no, no, I don't do that.

• 14:00Caleb Hammer?

  Isn't that what cheating is?

• 14:01Speaker 02

  I mean, I, I, I, it wasn't that bad, but it wasn't good. It was just like I made out with someone.

• 14:08Caleb Hammer?

  Oh.

• 14:09Speaker 02

  But we were, we had a kid, so like.

• 14:11Caleb Hammer?

  I mean, that's still bad.

• 14:12Speaker 02

  No.

• 14:12Caleb Hammer?

  That's not what I'm like picturing, you know?

• 14:14Speaker 02

  Yeah.

• 14:14Caleb Hammer?

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• 14:58Caleb Hammer?

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• 15:36Speaker 02

  Not with that person.

• 15:37Caleb Hammer?

  No.

• 15:37Speaker 02

  Absolutely not. Oh, my God, no.

• 15:39Caleb Hammer?

  And then you revenge cheated?

• 15:41Speaker 01

  Yeah.

• 15:42Caleb Hammer?

  And what does that look like?

• 15:44Speaker 01

  Uh, it looked like.

• 15:45Caleb Hammer?

  We're getting a little lore dump right now, but it is good to know where they came from.

• 15:48Speaker 01

  We were, uh, we were in the process of getting back together secretly, but I was seeing somebody else at the time.

• 15:56Caleb Hammer?

  How long have you seen them?

• 15:57Speaker 01

  Like, two weeks.

• 15:59Caleb Hammer?

  Okay.

• 16:00Speaker 01

  And that that was it, that was it.

• 16:02Caleb Hammer?

  Was it cheating if you guys weren't together?

• 16:03Speaker 02

  I mean, he was.

• 16:04Speaker 01

  We were on a break.

• 16:06Speaker 02

  Oh, my God.

• 16:06Caleb Hammer?

  So you guys weren't dating?

• 16:08Speaker 02

  Well, I mean, we were together and he was.

• 16:10Speaker 01

  We were, we were getting back together. We had talked about getting back together and I was still in denial and.

• 16:16Speaker 02

  People were having two people at one time without commitment to either one.

• 16:21Caleb Hammer?

  Wait, what? Who are you talking about?

• 16:23Speaker 01

  Me.

• 16:23Speaker 02

  Yeah.

• 16:24Caleb Hammer?

  You, not you.

• 16:25Speaker 02

  Not me.

• 16:25Caleb Hammer?

  People, you said people.

• 16:26Speaker 02

  Like, he was, he was with that other person and they would have, and then he was also with me for a very short time and also had.

• 16:37Caleb Hammer?

  You guys seem a little toxic.

• 16:39Speaker 01

  We were young. It was a long time ago.

• 16:41Caleb Hammer?

  We're young, but the decisions of the actions that you guys, that are doing now, the consequences of them are laying in front of me. And that doesn't seem like that we are young anymore because we're in our thirties. You're in a place where immaturity is a little less acceptable and certain instances. Still have fun doesn't mean you destroy your life. And right now, I don't think that we were young is really applying because your entire situation is, then you're blaming something on a $300 a month payment in a low cost of living area relatively.

• 17:17Caleb Hammer?

  For your income especially. I think that immaturity may have just shifted to something different. So then you broke up again just a couple of years ago now. Why? And for how long? And what? And who did we suck this time? What happened?

• 17:29Speaker 01

  There was no sucking.

• 17:31Speaker 02

  On either part.

• 17:33Speaker 01

  No, we, we were very cordial. Um, I actually paid for her apartment and it lasted about six months and we had to break the lease and.

• 17:45Caleb Hammer?

  Why'd you guys, guys, why'd you guys break up?

• 17:47Speaker 01

  Because I was sick of the financial burden.

• 17:50Caleb Hammer?

  Really? Okay, there we go. Leading cause for divorce in the country, one of them. Okay, so three years ago, three years ago, we broke up. Parents of a kid that we had together, we broke up. Yeah.

• 18:01Speaker 01

  Yes.

• 18:02Caleb Hammer?

  For finances. Yet we were on this show three years later and the finances are if they've ever been before. Like just about as bad as it gets.

• 18:13Speaker 01

  I think that's.

• 18:13Caleb Hammer?

  How did we get back together and stay together and have this conversation now? And why has nothing changed? If we broke up three years ago during due to finances?

• 18:22Speaker 01

  We're trying to change it now.

• 18:24Caleb Hammer?

  Sure, but why nothing changed if we literally broke up three years ago due to finances? Yet we are talking about the finances today.

• 18:31Speaker 02

  We still don't like, he knows my finances for the most part. I know nothing about anything for him. I don't know anything about the house, cars.

• 18:38Caleb Hammer?

  But he broke up with you because of your finances.

• 18:40Speaker 02

  Well, yeah, I have debt, like a lot.

• 18:43Caleb Hammer?

  Well, why, but why has nothing changed? If the reason we broke up three years ago was because of finances? So why has nothing changed in three years?

• 18:51Speaker 02

  Uh, cause I can't afford to pay it off as quickly as I like. And it's weird asking him for extra money to pay off bills. We've, you know, are starting to.

• 19:00Caleb Hammer?

  Asking money. I mean, you guys aren't legally married, but you guys are so individualistic about this. You're not, you guys are not a community. Your house is not a house. You guys are not a family. You might unite on taking care of the child, but I think it stops there. Asking your husband for money shouldn't be the thing. You guys should be tackling your financial problems together and trying to achieve the goals that you both have together.

• 19:24Speaker 01

  Yeah. My fear is that if we put our money together, it would just be gone because of, of, of caris spending habits.

• 19:34Speaker 02

  Okay, but it's not bad lately. And I think that it's not just me. I, he just sees what I purchase. I don't see what he purchases. So I feel like it's different because I know he goes out to eat way more than I do and stuff. But when I buy stuff, he sees it.

• 19:50Caleb Hammer?

  True?

• 19:51Speaker 01

  Yeah, I'm on the road a lot for work.

• 19:52Caleb Hammer?

  Okay.

• 19:53Speaker 01

  So I do.

• 19:53Caleb Hammer?

  So is it all her fault then? You, this is lots of like her, her, her, her, her coming from you.

• 19:59Speaker 01

  I think a lot of the irresponsible spending is her fault.

• 20:01Caleb Hammer?

  She just said, and you admitted to going out a lot, but then you freak out when she does? How does this look, guys? What is the relationship with money now? We got you a little backstory.

• 20:12Speaker 01

  It's better than it has been. It's not great. It's better than it has been.

• 20:15Caleb Hammer?

  Yeah, this is in front of me?

• 20:16Speaker 01

  Yes.

• 20:16Speaker 02

  Yes.

• 20:17Caleb Hammer?

  I'm just trying to prevent you guys from breaking up again.

• 20:20Speaker 02

  Thank you.

• 20:21Speaker 01

  Yeah.

• 20:23Speaker 01

  I think we're good this time.

• 20:24Speaker 02

  Yeah, I think I.

• 20:25Caleb Hammer?

  For now?

• 20:26Speaker 02

  Well, we go to couples therapy too.

• 20:28Caleb Hammer?

  You do?

• 20:28Speaker 02

  Yes.

• 20:29Caleb Hammer?

  To start, that's good.

• 20:30Speaker 02

  Yeah, and there's no insurance. So we do, I mean, it is a commitment because it's a good chunk of money that we're spending.

• 20:35Caleb Hammer?

  You don't have insurance or you just went to someone that doesn't accept?

• 20:37Speaker 02

  Yeah, he doesn't accept it. He's a specialist.

• 20:40Caleb Hammer?

  Want this person specifically? Okay, that's fine. That's fine. Well, I mean, we'll definitely put it in the budget. I am good with that. Okay, neither of you leave this, neither of you leave this studio until you both download the simpler budget app. You'll create an account. Eventually, we'll be able to have two accounts, access the same thing, but you'll create one account. You guys will log in together. You'll budget this. You're gonna try this united. If you guys really have to be separate, then create your own separate ones, but use simpler budget. It's our budgeting app made specifically for you guys. Use the premium version for free, literally for life, because you guys are guests on the show. They get it like a few weeks to try it for free, but you, come on.

• 21:25Caleb Hammer?

  It's as easy as that. I'm glad you guys are in therapy. That is a good first step, but I don't know. I, I, I've already just seen and how long have we been filming? Like 20 minutes? Just like deflection and blame towards each other and one person cheats, the other person cheats and it's just, it's

• 21:42Caleb Hammer?

  which is important to know because I want, I'm just trying to avoid us getting there again.

• 21:47Speaker 02

  Yeah, but he also has lots of excuses. Like, he says that he doesn't know how to cook.

• 21:52Caleb Hammer?

  Did I just say we're blaming?

• 21:54Speaker 02

  We are because I can't find a middle ground because I like budgeting. He doesn't like budgeting.

• 21:59Caleb Hammer?

  Why don't you like budgeting? That's kind of like the minimum basic thing.

• 22:03Speaker 01

  I don't know.

• 22:04Caleb Hammer?

  You like cool shit. What is liking cool shit?

• 22:07Speaker 01

  I, I like cool shoes. I like.

• 22:10Caleb Hammer?

  Do you like the mother of your child?

• 22:11Speaker 01

  Yeah.

• 22:12Caleb Hammer?

  Yeah, maybe you should keep her around.

• 22:14Speaker 01

  Sometimes.

• 22:15Caleb Hammer?

  Yeah, I'm sure there's disagreements here and there, but aren't we playing the long game? At least for the sake of the kid?

• 22:21Speaker 01

  Ideally, yeah.

• 22:21Caleb Hammer?

  What are the excuses?

• 22:23Speaker 02

  Um, so he doesn't know how to cook, so I have to try while I'm gone all day, pretty much, how to prep, which I can.

• 22:30Speaker 03

  She is the woman, am I right?

• 22:34Speaker 02

  But I'll get, you know, reamed a new hole for getting Starbucks, but then him and his buddy will buy two jet skis without telling me.

• 22:40Caleb Hammer?

  What the fuck you buy jet skis? The water in Detroit's nasty anyway. What are you doing?

• 22:43Speaker 01

  The water in Detroit is not nasty.

• 22:45Caleb Hammer?

  Let all over your skin? You're gonna, what are you doing?

• 22:48Speaker 01

  I like cool shit. I have fun with jet skis. This is a purchase that was made years and years ago.

• 22:53Caleb Hammer?

  Lake Erie is objectively like the worst great lake that Michigan touches.

• 22:57Speaker 01

  Lake St. Clair. It's the fifth great lake.

• 23:03Caleb Hammer?

  There's already five.

• 23:05Speaker 01

  The sixth great lake.

• 23:09Caleb Hammer?

  I see what I'm dealing with here.

• 23:11Speaker 02

  But he also, he doesn't believe in any form of savings. Like I think there should be not, maybe not three, but at least two different forms of savings. And he just thinks it's all one lump sum. And as long as we don't go below a certain amount, it's fine.

• 23:26Caleb Hammer?

  Okay. So why not cook it? I know I was making a little stupid, but.

• 23:30Speaker 01

  It's not, it's not that I don't believe in savings. I don't believe in a specific savings account, like in actual.

• 23:36Caleb Hammer?

  But the cooking thing and going out to eat and all this stuff instead of collaborating with your wife-ish here.

• 23:43Speaker 01

  Yeah, I can't cook.

• 23:44Caleb Hammer?

  Okay, why not? Okay, use our fucking budget friendly cookbook that comes with the app as well. Stop being a little bit. Well, you already mean I can't cook. You have you never heard of Google or YouTube?

• 23:52Speaker 02

  He doesn't know how to follow it.

• 23:54Caleb Hammer?

  You know, it's like five fucking little steps. Are you, what? You're a thirty two year old man child.

• 24:00Speaker 01

  Can't cook.

• 24:01Caleb Hammer?

  That can, if he literally just tries once. I'm sure you learn things. You learn how to, you know, manage a jet ski and take care of it and maintenance and how to use it without dying. I think you can learn how to fry some eggs.

• 24:14Speaker 01

  Almost died on it. So there's that too.

• 24:15Caleb Hammer?

  But you didn't.

• 24:16Speaker 02

  He, he can do frozen chicken nuggets and french fries and cereal and a sandwich.

• 24:23Speaker 01

  I can make sandwiches. I make a bomb sandwich.

• 24:25Caleb Hammer?

  And then the budgeting thing that she says, I want, I want your perspective on this, man. She's throwing.

• 24:30Speaker 01

  Yeah, I mean, I, I don't like spending the time to sit down and looking at a sheet of paper that tells me what I can and can't buy. I just, if I can buy it, I buy it.

• 24:44Speaker 02

  I don't agree.

• 24:45Caleb Hammer?

  How do the conversations go with this?

• 24:47Speaker 02

  It doesn't because I-

• 24:48Caleb Hammer?

  It doesn't, he just does.

• 24:49Speaker 02

  He just says if it goes below 10,000, that's when we have to worry and that's all I know. I don't even know what our save, well, I guess our savings is. I don't have one personally, so I don't know anything about any of that.

• 25:00Caleb Hammer?

  Is there an ours?

• 25:02Speaker 02

  He says there is.

• 25:03Speaker 01

  Yeah, I don't think there's ever like, I know she said she has to ask for money, but it's not like a permission thing. It's, hey, I need money for this. Okay, here.

• 25:10Caleb Hammer?

  Why would she have to come to you though again? Now, you guys aren't legally married, but it's-

• 25:15Speaker 01

  Because once again, if it was all together, I think it would be spent.

• 25:18Caleb Hammer?

  You wouldn't be able to control yourself. You guys wouldn't be able to sit down and do the budget on a monthly basis and talk about what went wrong in this previous month and what we need to address for the future month?

• 25:26Speaker 01

  I think recently we'd be able to do that, but in past, no chance.

• 25:31Speaker 02

  I don't even think we can do that. We were supposed to sit down this last weekend to talk about our stuff for the next coming week. So I'm not like overstressed and we couldn't even do that. So-

• 25:40Caleb Hammer?

  Why?

• 25:41Speaker 02

  Uh, life.

• 25:44Caleb Hammer?

  What the is that?

• 25:45Speaker 02

  We have a lot of crap going on. I know everyone does, but-

• 25:48Caleb Hammer?

  Everyone does it every time.

• 25:50Speaker 01

  Yeah, I would say busy is an understatement for us. I, I, on average-

• 25:54Caleb Hammer?

  You have a kid, you're a little busier than normal.

• 25:55Speaker 02

  We have six pets too.

• 25:58Speaker 01

  We have six pets are-

• 25:58Caleb Hammer?

  Why?

• 25:59Speaker 01

  Cause like-

• 26:01Caleb Hammer?

  So do I, but if you can't literally afford life, I don't think we're taking on that responsibility.

• 26:07Speaker 02

  One's not ours.

• 26:07Speaker 01

  Yeah, we foster.

• 26:08Caleb Hammer?

  Okay, so five even still, what are they?

• 26:11Speaker 01

  Dogs.

• 26:11Caleb Hammer?

  Do they all have pet insurance?

• 26:13Speaker 01

  No.

• 26:13Caleb Hammer?

  Then fuck you. What happens if they need a surgery that you cannot afford?

• 26:17Speaker 02

  So right now-

• 26:17Caleb Hammer?

  Just let them die? I don't think you should have them in that case. Then how, well, how would you do it then?

• 26:21Speaker 02

  Because right now I want to take care of these debts and-

• 26:24Caleb Hammer?

  No, how would you do it? If they had a surgery-

• 26:27Speaker 02

  My work is awesome.

• 26:29Caleb Hammer?

  Oh, you are in that one lucky position.

• 26:32Speaker 02

  Yep.

• 26:32Caleb Hammer?

  But that essentially means you can't leave for their sake or else, yeah, we need to start budgeting in pet insurance, probably 40 bucks per.

• 26:38Speaker 02

  Which I'm fine with, but not now because I have such a good deal at work. I would rather have that when I'm done paying off debts for the most part or, you know, have that allotted availability. There's no point right now because I pretty much pay nothing.

• 26:53Caleb Hammer?

  Okay, I'll start jumping into these numbers.

• 26:56Speaker 01

  There was a period-

• 26:57Caleb Hammer?

  I think I at least understand you guys' situation. What?

• 27:00Speaker 01

  There was, there was a period where we were getting at least one Amazon delivery a day, at least.

• 27:05Caleb Hammer?

  Or were they necessities or fun?

• 27:07Speaker 01

  No.

• 27:07Speaker 02

  Necessities.

• 27:09Speaker 01

  Organizing our fridge with containers is not a necessity.

• 27:12Caleb Hammer?

  That's not a necessity.

• 27:14Speaker 02

  It helps me.

• 27:16Caleb Hammer?

  Helps, but it's not a necessity. It's not a survival thing.

• 27:19Speaker 02

  Yeah, but I also get stuff to help my kid get her own lunch and everything. And then I get stuff.

• 27:25Caleb Hammer?

  What do you have to get from Amazon to help her get her own lunch?

• 27:27Speaker 02

  Well, like.

• 27:28Speaker 01

  For cheeses in a box.

• 27:29Speaker 02

  Shut up. So that or I get stuff for him to help with cleaning the kitty litter that he's supposed to do. I got that.

• 27:35Caleb Hammer?

  So there's a cat. You said all dogs.

• 27:37Speaker 02

  Oh, well, one cat.

• 27:38Speaker 01

  We have one cat.

• 27:38Speaker 02

  He doesn't do anything.

• 27:40Caleb Hammer?

  Well, he shits and eats.

• 27:42Speaker 02

  Yeah, but it's automated for him to help.

• 27:44Caleb Hammer?

  Well, you don't do anything.

• 27:45Speaker 01

  Oh, I.

• 27:46Caleb Hammer?

  I thought you meant the cat.

• 27:46Speaker 01

  When it's full, but.

• 27:49Speaker 02

  Yeah.

• 27:49Speaker 01

  We have an automated.

• 27:50Caleb Hammer?

  Well, what's the problem?

• 27:51Speaker 02

  So I try to get things that'll make things easier for him and or the.

• 27:54Caleb Hammer?

  Got the cat litter.

• 27:56Speaker 02

  Yeah.

• 27:56Caleb Hammer?

  Okay, the automated.

• 27:57Speaker 02

  Or like a three liter watered thing for the dogs to drink out of so that we didn't have to fill. I know it's stupid, but.

• 28:03Caleb Hammer?

  It's stupid.

• 28:04Speaker 02

  It.

• 28:04Speaker 01

  We still have to fill it every day and it's a pain in the ass to fill.

• 28:07Speaker 02

  Okay, well, the thought was there, but those are my purchases. It's mainly for house stuff. It's not like I'm buying jewelry or purses.

• 28:14Caleb Hammer?

  It's not necessary when we have that, that we cannot. And if you guys break up, you're on your own. You have no legal protection to anything.

• 28:20Speaker 02

  Oh, I'm fucked.

• 28:22Caleb Hammer?

  You're fucked because you guys refuse to get married.

• 28:24Speaker 02

  Well, I have no money.

• 28:25Caleb Hammer?

  Exactly.

• 28:25Speaker 02

  Besides my bills.

• 28:26Caleb Hammer?

  And you refuse to get married. There's no protection here, guys. There's nothing.

• 28:31Speaker 02

  Yeah.

• 28:32Caleb Hammer?

  I want to know self assessed where you guys think you are. I'm going to count down from three. It's going to be like three, two, one, go. And then on go, I want you guys to give me your household financial score, where you think you are. Zero being the worst, 10 being the best. At the same time, three, two, one, four. Okay, four. So why do you think we're double where you think she is or where she thinks you guys are?

• 28:56Speaker 01

  Uh, because all are paid.

• 29:03Caleb Hammer?

  I don't even think that's 100% true by the way, but uh, okay. I guess maybe your portion of bills because we're so individualized.

• 29:12Speaker 01

  Yeah, I mean, we are in the danger of losing any, anything like our house, our cars.

• 29:17Speaker 02

  We don't have what payday loans or I don't think or anything like that.

• 29:21Caleb Hammer?

  But people that do end up losing stuff are usually at this position before they get there. You guys are on that slippery slope and you might be the anchor for that. So you said two.

• 29:30Speaker 02

  Yeah, well, I took your, your quiz.

• 29:33Caleb Hammer?

  And it said two?

• 29:33Speaker 02

  It said two, but I also was very vague with stuff because again, I don't know.

• 29:37Caleb Hammer?

  Well, that doesn't.

• 29:38Speaker 02

  Well, I tried my best based off what information he gave me when we did.

• 29:41Caleb Hammer?

  Are you hiding information from her?

• 29:43Speaker 01

  No.

• 29:43Speaker 02

  No.

• 29:44Caleb Hammer?

  Then what's the issue here?

• 29:45Speaker 01

  Uh, she tends to overreact and be very stressed with things, but I, I, I think I try to protect her more or less and make her not worry about things that she doesn't have to worry about.

• 29:57Speaker 02

  I still worry.

• 30:01Caleb Hammer?

  It's not working.

• 30:01Speaker 01

  It's not working.

• 30:02Caleb Hammer?

  So do you request?

• 30:06Speaker 02

  Um.

• 30:06Caleb Hammer?

  Transparency?

• 30:07Speaker 02

  Kind of. I, it even took a while for me to try to get my name on the house, but like I'm, it's fine, but those are just.

• 30:13Caleb Hammer?

  Well, at least you do have that legal part.

• 30:16Speaker 02

  Yeah.

• 30:16Caleb Hammer?

  That's your one thing.

• 30:18Speaker 02

  Yeah. Cause it again comes, but I think.

• 30:19Caleb Hammer?

  Would you guys get the house?

• 30:21Speaker 02

  2020?

• 30:23Speaker 01

  Uh, 2021.

• 30:24Speaker 02

  2021.

• 30:24Caleb Hammer?

  How's its value?

• 30:26Speaker 01

  Yes, it does.

• 30:27Speaker 02

  It's, it's good. It's.

• 30:28Caleb Hammer?

  Huh?

• 30:29Speaker 02

  He said, how's its value?

• 30:30Speaker 01

  Oh, I thought you said the house has value. Um, I think we have probably about 70 to 80,000 in equity.

• 30:37Caleb Hammer?

  Wow. Okay. All right, guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am going to directly reimburse you for the $5 for upgrading or $10 if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you. All you have to do is follow the instructions that I'm gonna post in the membership area. Send us that proof and I'm gonna send you the money and boom.

• 31:10Speaker 01

  Boom.

• 31:11Caleb Hammer?

  You joined Hammer Elite for free. Seriously guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.

• 31:25Speaker 02

  No, that's not true. Honestly, Ashley.

• 31:27Caleb Hammer?

  That's Lindsay for you. Weekly live streams.

• 31:31Speaker 04

  So Caleb, what's your social security number? I'm doing it. 38.

• 31:39Caleb Hammer?

  Three, two.

• 31:43Caleb Hammer?

  And every single financial audit post show, plus member weekly videos. It's crazy how much we have going on.

• 31:49Speaker 04

  Well, I got so drunk, I kissed a grandma in Spain with that. With only partial consent and then I ran off.

• 31:58Caleb Hammer?

  Plus, it really helps support this channel, so let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of the month. Okay, um, all right. If you guys want your Hammer financial score, just like she did, you can get it for free on the CalebHammer.com. And if you want to be on the show, you can go to CalebHammer.com/apply. I like to ask guests who are here, just a couple of questions, just for the sake of the audience who's considered applying. You can come down here to Austin, get beat up and meet the team. So you guys went through the whole process and all that stuff. Uh, how was the process? Did you guys know you were gonna get yelled at and the thumbnails are gonna be crazy and all that stuff?

• 32:42Speaker 02

  I did, absolutely, yeah.

• 32:44Caleb Hammer?

  Did you tell him? Did you not watch the onboarding videos with her?

• 32:46Speaker 01

  I watched the onboarding videos. Uh, that, that was what I was kinda scared about, cuz I'm a little bit combative and I don't like being yelled at.

• 32:54Caleb Hammer?

  He's like, I'm gonna hit him. You've been combative so far, for what it's worth, but I, it's okay. So, yeah, and are you guys real people or actors?

• 33:01Speaker 02

  Uh, real people.

• 33:02Speaker 01

  Yeah, we're definitely real.

• 33:03Speaker 02

  Yeah.

• 33:03Caleb Hammer?

  The audience is, or the, sorry, online is weird, so I have to ask these things. But for those who are considered applying, now you all know. Okay, yeah, come on down, we'll, we'd love to have you guys. The money!

• 33:18Caleb Hammer?

  Synchrony, Amazon Synchrony. What I'm looking at, if I'm not mistaken, is mostly yours.

• 33:24Speaker 02

  Yep.

• 33:24Caleb Hammer?

  I do have all your documents, you just don't have many.

• 33:27Speaker 01

  Yeah, I don't, I don't have any credit cards right now.

• 33:30Caleb Hammer?

  Why are we so different here? Why, why are we so different?

• 33:34Speaker 02

  Because I don't make a lot and also when I was

• 33:36Caleb Hammer?

  No, that's not it.

• 33:37Speaker 02

  Well, when I was making no money, I

• 33:40Caleb Hammer?

  But he would be supporting you as your husband.

• 33:42Speaker 02

  But when we weren't together, he wasn't. So I've had some of these credit cards.

• 33:45Caleb Hammer?

  You were apart for six months and that was three years ago.

• 33:47Speaker 02

  The one when my child was like a year old, I have one of those.

• 33:52Caleb Hammer?

  Decade ago, so what the

• 33:53Speaker 02

  A lot of money on that one credit card.

• 33:55Caleb Hammer?

  But even if it was in collections or something at that point, it would have fallen off.

• 33:59Speaker 02

  It's not in collections.

• 34:00Caleb Hammer?

  I know, but you just held on to it for, okay. So what have you tried to do? Okay, okay, okay. I get it. I get it. I get it. So it was hard during that time, but over the last 10 years, when he has been yours, you guys are supporting each other, or at least supposed to.

• 34:13Speaker 02

  Yeah.

• 34:13Caleb Hammer?

  Why has it maintained then, instead of 10 years of paying it off, of what it would have been paid off, all of this?

• 34:19Speaker 02

  Cause I didn't put a lot extra towards, towards each one.

• 34:23Caleb Hammer?

  Why?

• 34:25Speaker 02

  Cause I didn't have the money to, I could, had enough.

• 34:27Caleb Hammer?

  But you guys are together.

• 34:28Speaker 02

  I know. So I didn't want to keep taking his money, because I didn't know where he was.

• 34:32Caleb Hammer?

  Is it taking his money? Cause we're not together, because we're not married, because we're not an actual couple?

• 34:36Speaker 02

  No, but like eight months ago, I, I only found out how much he made at his job eight months ago.

• 34:40Caleb Hammer?

  Why? How?

• 34:42Speaker 02

  We just

• 34:42Caleb Hammer?

  You guys are not together, you guys aren't together. You guys can take care of the kids, but you guys are not together.

• 34:48Speaker 01

  We are.

• 34:49Speaker 02

  He knows how much I make.

• 34:50Caleb Hammer?

  We don't seem very united, probably because you told him. Is it because he asked?

• 34:53Speaker 02

  No, he doesn't ask.

• 34:54Caleb Hammer?

  Well, why aren't we communicating anything, guys? No wonder we've broken up twice. And listen, you're never gonna get anywhere if you say everything bad in my life is because of something that happened 10 years ago. That is a victim mentality. You've had 10 years to fix it, of which you were not in that situation where you were 10 years ago, and yet you're not changing anything.

• 35:14Speaker 02

  I know, I'm just making excuses, but it's easier.

• 35:17Caleb Hammer?

  It is easier, but guess what? It makes it actually harder long-term, because this is, gets worse and worse and worse, and eventually you do lose the house. That's what happens to people. Eventually you do lose the car. That's what happens to people. Detroit's not walkable, so you need that car.

• 35:32Speaker 02

  Especially him.

• 35:34Caleb Hammer?

  So we know how much you guys made. Now, over the course, we had about, we had kind of like a month and a half of savings. It was an interesting situation, but either way, like 5,900 came through you. And you was 1,250. It's just last hours, I guess.

• 35:48Speaker 02

  1,250.

• 35:50Caleb Hammer?

  That's all we got from your payroll that hit.

• 35:53Speaker 02

  Shouldn't be.

• 35:54Caleb Hammer?

  Well, either way, we know what comes in normally is 7,400 after everything together. What did you guys spend? Combined, of course, you wouldn't know because we don't talk.

• 36:04Speaker 02

  I don't, but I don't even know what combined would be. Well, I definitely spent if it was the 22.

• 36:09Caleb Hammer?

  Combined number. Let's just see where you guys even think where you guys are.

• 36:12Speaker 02

  4,000.

• 36:14Speaker 01

  3,500 was going to be my guess.

• 36:15Caleb Hammer?

  3,500 together.

• 36:17Speaker 02

  4,000 together?

• 36:18Caleb Hammer?

  Want to add a one at the front of that?

• 36:20Speaker 02

  I'm sorry?

• 36:21Caleb Hammer?

  $13,000, guys.

• 36:26Caleb Hammer?

  How the, how have you operated? How have we gotten to this? That is literally what it mathematically adds up to.

• 36:36Speaker 02

  That's insane.

• 36:38Caleb Hammer?

  It is insane. Almost 1,000 of it alone was going out to eat.

• 36:45Caleb Hammer?

  Almost 2,000 of it was miscellaneous bull. That could either be things like video games or new tool for the jet ski or just things that do not matter. It is miscellaneous bullshit. Unknown shopping things we couldn't tell. It's usually like Walmart or Target because you don't really know. It's either or not. 2,171. 78 dollars. Then additional large purchases, which will go over 2,400 dollars.

• 37:07Speaker 02

  Jesus.

• 37:08Caleb Hammer?

  This is unsustainable beyond. It's crazy.

• 37:14Speaker 01

  It's working so far.

• 37:15Caleb Hammer?

  It's not. The situation's getting worse.

• 37:18Speaker 02

  Wasn't it Christmas-ish time?

• 37:20Caleb Hammer?

  It was, but you didn't have money, so I don't give a regardless.

• 37:24Speaker 02

  I'm bad with Christmas.

• 37:25Speaker 01

  Yeah, yes.

• 37:26Caleb Hammer?

  You're bad at life. You're bad at the relationship objectively from what we've talked about.

• 37:30Speaker 01

  If I didn't cut off.

• 37:31Caleb Hammer?

  You guys are dating like high schoolers right now. Good job, but you're in your 30s.

• 37:36Speaker 01

  If I didn't cut off like a, a, a Christmas, like, say, okay, that's enough. She would continue to buy our child gifts until.

• 37:44Caleb Hammer?

  Do you have no self-control in life? Do you have any other addictions? Are you a vapor? Are you a drinker? What do you have? Because obviously you have no self-control.

• 37:50Speaker 02

  I don't do anything. I was drinking, but I actually have stopped completely.

• 37:54Caleb Hammer?

  Okay, because you didn't have self-control.

• 37:56Speaker 02

  Yeah, kinda.

• 37:57Caleb Hammer?

  You didn't have self-control to not kiss that dude.

• 37:58Speaker 02

  Huh? Yeah, no, I mean, I don't want to agree with you, but I will.

• 38:02Caleb Hammer?

  Yeah, because it's the truth that is indicative throughout your life. Uh, here, it's showing.

• 38:06Speaker 02

  Yeah, but if I don't buy her presents, he won't really buy her anything that she actually wants. He'll just get her random crap that's cheap.

• 38:14Caleb Hammer?

  Also, half the unknown shopping was Amazon.

• 38:16Speaker 02

  Oh, that's me.

• 38:17Caleb Hammer?

  And I'm gonna go through that Amazon account.

• 38:19Speaker 02

  Okay.

• 38:19Caleb Hammer?

  And I'm gonna look at everything that was there. Thousand six hundred forty-six dollars on here with a sixty-dollar minimum payment. How long does this take to pay off? Just minimum payments without purchases, which by the way, you fail at because you purchased eighty-nine dollars and seventy-nine cents, even though forty-two dollars and ninety-two cents of interest is accruing and we're making no progress. And the balance actually went up on something that you paid more than the minimum payment on. Congratulations. That's horrible. How long does it take to pay off only minimum payments with no purchases?

• 38:47Speaker 02

  Uh, four years.

• 38:48Caleb Hammer?

  Okay, ten years.

• 38:49Speaker 02

  Oh.

• 38:50Caleb Hammer?

  You're gonna be in your forties. That's what we want for an Amazon card?

• 38:54Speaker 02

  No.

• 38:54Caleb Hammer?

  You wanna be paying off twenty twenty-four Christmas in ten years?

• 38:57Speaker 01

  No.

• 38:57Caleb Hammer?

  Yeah.

• 38:58Speaker 02

  But I do pay over on all of them.

• 39:00Caleb Hammer?

  Doesn't matter the balance went up because you purchased. It doesn't matter if you put more money on it, if you are spending on it.

• 39:07Speaker 02

  Yeah.

• 39:07Caleb Hammer?

  How does that not make sense, guys? I will never understand how that does not make sense to people.

• 39:11Speaker 02

  It makes me feel better.

• 39:13Caleb Hammer?

  What?

• 39:13Speaker 02

  Because I know if I just pay minimum, then I'm extra screwing myself with interest.

• 39:18Caleb Hammer?

  It's a cope in payments that you're doing? Come on. Amazon, Amazon, Lenny's Pizza and Amazon. Interest charged last year alone was five hundred, uh, ten dollars.

• 39:31Speaker 01

  And just Amazon?

• 39:32Caleb Hammer?

  One card, a single card, five hundred ten dollars taken from you. Remember, you basically, according to you, have like no money that you make. And you just gave away five hundred ten dollars to Bezos. You paid for his, like, fiftieth wife's new fake tits.

• 39:48Speaker 02

  Yeah, but I needed, okay, oh, uh, I needed some of that. That would be nice. I'll take some of those.

• 39:54Caleb Hammer?

  No, don't do it. They're not as good.

• 39:56Speaker 01

  They're not that cool.

• 39:56Caleb Hammer?

  Exactly. Thank you.

• 39:58Speaker 02

  Well, you aren't getting that.

• 39:59Caleb Hammer?

  Unless you do it for you, for your happiness.

• 40:02Speaker 02

  Yeah, so we're gonna pay off debt and buy some boobies. Um, the Lenny thing was for my daughter's hockey tournament, so that was needed. The other thing is totes to organize the garage.

• 40:13Caleb Hammer?

  You got pizza.

• 40:14Speaker 02

  Well, it's like, uh, protein pizza or like pretzels.

• 40:19Speaker 02

  It's weird. It's like the, like, uh, I don't know.

• 40:22Speaker 01

  She bought the hockey team protein pretzels because they needed it for their game.

• 40:27Caleb Hammer?

  You didn't need it.

• 40:29Speaker 02

  Well, we were supposed to bring something and then they ended up saying, okay, well.

• 40:33Caleb Hammer?

  They're playing hockey?

• 40:34Speaker 02

  Well, it was, yeah, for a whole.

• 40:35Caleb Hammer?

  Okay, then bring a fist to their face. They need to build up stamina. You can't afford this. It's as simple as that. What is the credit limit on this?

• 40:42Speaker 02

  Uh, is it fifteen hundred?

• 40:45Caleb Hammer?

  Better not be because you owe sixteen forty-six.

• 40:47Speaker 02

  Oh, well, then sure, eighteen hundred.

• 40:50Caleb Hammer?

  Well, you don't know a single thing.

• 40:51Speaker 02

  I don't know. I.

• 40:53Caleb Hammer?

  Well, I don't see it.

• 40:55Speaker 02

  Um.

• 40:56Caleb Hammer?

  It doesn't say. What is it? A limited?

• 40:59Speaker 02

  I hope, I hope not.

• 41:00Caleb Hammer?

  Daddy Bezos giving you everything? All right, pull up that Amazon account and start a screen recording. We'll bleep out personal information.

• 41:06Speaker 02

  Okay, I don't know. Oh, this I do.

• 41:08Caleb Hammer?

  Oh, my Apple, please. I love you. I use all your stuff and your stock's incredible. How is, how is your shit bad? How can I not search screen fucking recordings? This is ridiculous. All right, let's just go through the Amazon. Okay, dog encyclopedia. Yeah, need that to survive. Lifesavers, need that to survive. Some oil, need that to survive.

• 41:32Speaker 02

  It's for my kid's hair. It's really bad.

• 41:36Caleb Hammer?

  The oil?

• 41:36Speaker 02

  Her hair is bad.

• 41:38Caleb Hammer?

  Okay, maybe that one's okay, but the rest.

• 41:40Speaker 02

  Very bad.

• 41:40Caleb Hammer?

  Oh, is this frizzy?

• 41:41Speaker 02

  No, she gets like knots like a rat's nest. I promise. So that she needs that.

• 41:45Caleb Hammer?

  Curly hair?

• 41:46Speaker 02

  Yes, he does.

• 41:47Speaker 01

  I used to have very long hair.

• 41:49Caleb Hammer?

  Uh, PS4 stand. We definitely don't need that with cooling.

• 41:52Speaker 02

  That was a gift card.

• 41:53Caleb Hammer?

  I, it doesn't, okay, then use that on the oil.

• 41:57Speaker 02

  Well, I was before that. I didn't have the gift card.

• 42:00Caleb Hammer?

  By one day.

• 42:01Speaker 02

  Well, yeah, because I spent it all on that, that PS4 thing pretty much.

• 42:06Caleb Hammer?

  Spend money because again, there's organizers, organizers, organizers forever. A picture frame, great, necessary for survival. What do you meme emotional stuffed animals? Shut the fuck up. This is all bullshit. I don't give a fuck what any of it's for. This is all bullshit. Veterinary stickers don't need it. Gummy peelable oranges don't need it.

• 42:27Speaker 02

  We had a secret Santa.

• 42:28Caleb Hammer?

  Lemon heads definitely don't need that.

• 42:30Speaker 02

  Secret Santa.

• 42:31Caleb Hammer?

  I don't give a secret pay off your debt and then brag about it once you're done.

• 42:35Speaker 02

  I can't say that to work.

• 42:36Caleb Hammer?

  What? That you paid off your debt?

• 42:39Speaker 02

  Well, I can say that, but they'll be mad if I'm not part of the secret Santa. There's five of us.

• 42:45Caleb Hammer?

  Yeah, okay, listen, but you got two things. Get one.

• 42:48Speaker 01

  To buy or mail me a Christmas present.

• 42:50Caleb Hammer?

  I bet. Ring boxes, some luxury warming bull.

• 42:55Speaker 02

  I don't know how far you can go on there.

• 42:57Caleb Hammer?

  Some pens. Huh?

• 42:59Speaker 02

  Buy him Christmas presents.

• 43:02Caleb Hammer?

  His Christmas presents.

• 43:03Speaker 01

  Uh, we had a deal this year that we would not buy each other Christmas presents.

• 43:07Caleb Hammer?

  What everyone says, though.

• 43:07Speaker 01

  Yeah, correct. It didn't, didn't work well.

• 43:10Caleb Hammer?

  Multi-cat calming frag.

• 43:13Speaker 02

  It's cause my cat was pissed in a square.

• 43:15Caleb Hammer?

  Smart garage door opener and then feed it to the dogs.

• 43:19Speaker 02

  I can't.

• 43:19Caleb Hammer?

  Don't do that. I love cats. I'm kidding.

• 43:22Speaker 02

  Are you sure?

• 43:23Caleb Hammer?

  I mean, I like dogs a little more because they do more, have actual personalities, appreciate when you come home and

• 43:28Speaker 01

  Our cat.

• 43:28Caleb Hammer?

  Do ten times more things, but.

• 43:30Speaker 02

  Our cat humps our dogs.

• 43:32Caleb Hammer?

  Uh, just slightly less.

• 43:34Speaker 01

  Our cat's pretty cool.

• 43:35Speaker 02

  Yeah.

• 43:35Caleb Hammer?

  Good.

• 43:36Speaker 02

  He, he goes to town on our big dog.

• 43:37Speaker 01

  That's weird.

• 43:38Speaker 02

  I know.

• 43:43Caleb Hammer?

  Tell him to wrap it up unlike you guys.

• 43:47Caleb Hammer?

  I just said so much bull. Mario, oh, this, this is crap. That is all crap. I didn't see anything in there that was

• 43:53Speaker 02

  Oh, I don't care.

• 43:53Caleb Hammer?

  Toilet paper or anything. You don't care?

• 43:55Speaker 02

  No, I thought you were gonna say anything inappropriate.

• 43:59Speaker 02

  It was Christmas presents. I didn't know what was on this.

• 44:01Caleb Hammer?

  Is there usually inappropriate stuff?

• 44:03Speaker 01

  No.

• 44:04Speaker 02

  Um, no.

• 44:07Caleb Hammer?

  I heard um and no.

• 44:08Speaker 01

  Yeah, I don't know why there was an um.

• 44:09Speaker 02

  Cause I got him a gift for, um, he got his own office and stuff, so I got him nice things for him off Amazon. I just didn't want you to see it. That's all.

• 44:19Caleb Hammer?

  What is it?

• 44:20Speaker 01

  Things for my desk that I didn't need. But I appreciated them.

• 44:25Caleb Hammer?

  What is it? Gooning equipment? What are we talking about?

• 44:27Speaker 02

  We got fun bedroom stuff too. He just didn't say that part.

• 44:30Caleb Hammer?

  Okay, really, I didn't care. It was just weird.

• 44:32Speaker 02

  Well, you asked.

• 44:33Caleb Hammer?

  It was just weird how just like hiding you were.

• 44:36Speaker 02

  I didn't want to scar you if you saw anything.

• 44:38Caleb Hammer?

  I, okay, yes, I've never seen a sex toy.

• 44:42Speaker 02

  Aren't you single?

• 44:47Caleb Hammer?

  Yes.

• 44:48Speaker 02

  Oh, so I didn't know how long it's been.

• 44:50Caleb Hammer?

  That probably means I actually have more sex than married people.

• 44:53Speaker 02

  We're not married, that's why.

• 44:55Caleb Hammer?

  Okay. Major channel announcement. Budgety, budgety, budgety. It's a new year. We're all trying to budget. We're all trying to make it a little better. Trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why, over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life, so it should be simple. It should be chill. It should be easy to set up and easy to manage.

• 45:38Caleb Hammer?

  I've called it Simpler Budget, because that's all it is. It's your simpler budget. But we upped the ante with continued education and an ad-free version. In the premium version of Simpler Budget, you can track your spending, set goals and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here. There's actually weekly live sessions with financial professionals to answer your questions and keep you on track. They'll be teaching lessons and you can ask them things and they will actually help. There's also weekly mini classes, keeping you up to date and educated on every financial topic you need to improve your life. Plus, for a limited time right now, you get access to our new budget-friendly cookbook

• 46:23Caleb Hammer?

  with 55 money-saving recipes to eat well without overspending. It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever. Download the Simpler Budget app today. A link in the description below. This budgeting app will change your life. City Double Cash Card, is this also yours?

• 46:45Speaker 02

  Yep. That one is closed.

• 46:49Caleb Hammer?

  Lindsay's suggesting we could get a, we could get someone here to marry you.

• 46:52Speaker 02

  Yeah.

• 46:53Caleb Hammer?

  Want to get married right now?

• 46:54Speaker 02

  No, my kid would kill me.

• 46:56Speaker 01

  Yeah, we, we tried it. We tried it in Vegas last summer and she threw a conniption because she wouldn't be there.

• 47:04Caleb Hammer?

  So that's fair. That's fair. Okay. Three thousand, seven hundred and seventy-two dollars and fourteen cents. This is yours?

• 47:10Speaker 02

  Yeah.

• 47:10Caleb Hammer?

  Hundred twenty dollars of minimum monthly payments. These payments and things. Oh, remember when I said we pay everything on time? Oh, oh, why is there a fee? I'm curious. Thirty dollar fee. Hmm. Interesting. I know the city double cash card has one that I have does not have an annual monthly fee. Plus eighty-two dollars and ninety-one cents of interest. So what's going on here? What's going on here? Oh, an interesting little return check fee.

• 47:32Speaker 02

  That's not my fault.

• 47:33Caleb Hammer?

  Of course not. Why would anything ever be your fault? Why would you be in the situation where things are not your fault? Go ahead. What's not your fault?

• 47:38Speaker 02

  So it's partially my fault.

• 47:39Caleb Hammer?

  Oh, a little bit of ownership. Okay.

• 47:42Speaker 02

  That whole communication thing that you keep talking to us about, um, we didn't have that. So at one point it was going through his card, like his debit card. Um, two of my bills due and he didn't tell me there wasn't enough in there. So it got returned.

• 47:57Speaker 01

  It wasn't that it wasn't enough in there. I closed the account and I went with a new bank and didn't, uh, move everything.

• 48:05Speaker 02

  Yeah. So I didn't know until too late.

• 48:09Speaker 02

  So it wasn't on purpose. I have it. I had it set to auto pay.

• 48:12Caleb Hammer?

  Guys can't communicate because you don't know what's in the accounts, because you guys don't sit down and talk, because you guys are not married, because you guys are not adults, because you guys are not in a real relationship. Also doesn't matter because that's only thirty dollars a piece and there's a hundred thirty, there's a hundred fifty-three dollars a piece last year. So no, you do not pay everything on time. That either happens every fucking month or you're not paying on time. There's fees up the ass. It's endless fees. And then one thousand, three hundred sixty dollars of interest just last year alone on one card. Combining those, we're at about two hundred dollars in interest on the two cars we've looked at so far. What you make in a month?

• 48:49Speaker 02

  Yeah, those aren't the bad ones.

• 48:50Caleb Hammer?

  You lost the month of income because of two cut of cards because you can't manage your shit.

• 48:55Speaker 02

  But these, these I pay now by myself, which probably doesn't sound like

• 49:00Caleb Hammer?

  Myself, himself, his money, myself. You guys are a mess.

• 49:04Speaker 02

  But that way, I know that I can pay these off and then I just have to make sure that the one gets paid through his account. So I just have to focus on one maybe not going through or something.

• 49:16Caleb Hammer?

  So the kid's very mature. Are they gonna watch this?

• 49:19Speaker 02

  Yeah.

• 49:19Caleb Hammer?

  She's gonna watch this?

• 49:20Speaker 02

  Yeah.

• 49:21Caleb Hammer?

  What is she gonna think of this disaster that you guys are?

• 49:23Speaker 02

  Um, she'll hopefully not want to be like this.

• 49:29Caleb Hammer?

  That's the idea.

• 49:30Speaker 02

  But also we, well, I don't know about your family, but I did not, my mom has a horrible mindset. She makes bank and somehow she has nothing to show for it. So I just don't want to be like that. The money part would be nice, but.

• 49:40Caleb Hammer?

  You are, you've been headed down that path for your 12 years of adulthood. What trying? I'm not seeing trying. There's no trying. Did you guys see the spending? You spent $12,000. You don't even make three.

• 49:49Speaker 02

  I know, but now I'm trying because I feel like I have.

• 49:51Caleb Hammer?

  What is your trying? Cause I don't see it. It's not in these statements. What's now a day before you come on the show? That doesn't count?

• 49:55Speaker 02

  No, no.

• 49:56Caleb Hammer?

  That is not anything. I'm not a magic pill. Glad you're taking the first step. I'm glad you're doing a couple of therapy, but those Amazon orders that are literally happening right now that I just went through is not, I'm trying. It's here's an excuse why we absolutely needed her. Also, we're gonna die.

• 50:09Speaker 02

  Yeah, but I.

• 50:10Caleb Hammer?

  What are you talking about trying? I don't think you know what the word trying is. Trying.

• 50:13Speaker 02

  I do.

• 50:14Caleb Hammer?

  Really?

• 50:15Speaker 02

  I do because now I'm actually licensed, so I can ask for the rate of pay I deserve.

• 50:19Caleb Hammer?

  That, trust me, this is not an income problem.

• 50:22Speaker 02

  No, but I'm saying with that I can pay it off easier.

• 50:24Caleb Hammer?

  No, this is not an income problem. People like you, you, you make more money, you spend even double more than the raise you got. That's if you don't end up in a situation like this, if you're not like that, that is your behavior.

• 50:36Speaker 02

  But it feels good when I do pay stuff off. No, when I pay stuff off.

• 50:39Caleb Hammer?

  Sure, but that means you never feel that feeling. It must feel even better to go spend it because that's all you do.

• 50:45Speaker 02

  Yeah.

• 50:46Caleb Hammer?

  All you do is order on Amazon and fuck up.

• 50:48Speaker 02

  For the house.

• 50:49Caleb Hammer?

  And be late on payments. I know it's, I know what it's for, but it's not necessities. And you guys are not getting together and you're not communicating on anything. I don't think you know what trying is. I'm glad you're getting a raise. It's good. I'm glad you finished the schooling part, certification part. That's good. I'm glad. That is, it shows that you have work ethic, but you're not putting in work here and do not fuck with me by telling me you are. I have the statements in front of me. I just looked at your Amazon in front of me.

• 51:14Speaker 02

  Yeah, well.

• 51:16Caleb Hammer?

  If this is your trying that you're gonna die in poverty.

• 51:19Speaker 02

  No, I'm.

• 51:20Caleb Hammer?

  If your relationship is you guys trying, then cheating and breaking up twice is not. That'll be you guys not being together in the future. And you guys have a kid to take care of. So it's no longer a joke at that point. It is not cutesy. You have a fucking child.

• 51:41Caleb Hammer?

  This is not a joke. Free Spirit Bank of America card. Never even heard of this.

• 51:47Speaker 02

  Um, so there's a story behind that one, kind of.

• 51:50Speaker 01

  I'm taking the blame on this one.

• 51:52Speaker 02

  Thanks.

• 51:52Caleb Hammer?

  Oh, okay.

• 51:53Speaker 01

  I was supposed to pay it off immediately.

• 51:56Caleb Hammer?

  What do you mean immediately? When was this and why?

• 51:57Speaker 01

  The first time we used it.

• 51:59Caleb Hammer?

  Okay, how much?

• 52:00Speaker 01

  I think it was like a thousand dollars.

• 52:01Speaker 02

  A little over.

• 52:02Caleb Hammer?

  What'd you use it for? Why'd you have to use it?

• 52:04Speaker 01

  Uh, I think it was for a trip that we were going on and it was like a interest free.

• 52:10Speaker 02

  Fort Lauderdale.

• 52:11Speaker 01

  A promotional period and I instead did not pay it off immediately.

• 52:17Speaker 02

  And I told him to and I only opened it because I knew I had to, so I didn't know anything about points and all that crap. But there was a thing when I was on a plane that you get a good amount of points if you signed up and were accepted. That's all you had to do.

• 52:29Caleb Hammer?

  But you didn't know anything about points?

• 52:30Speaker 02

  Well, I knew that.

• 52:31Caleb Hammer?

  But you heard the word points? You're like, I wanna win.

• 52:33Speaker 02

  No, I, I'm just saying, I didn't know how much a flight necessarily costs with points. But I knew that I was taking a Spirit trip soon. So I was like, okay, cool. I'll get this and get the initial points to help. Well, he said we should use this credit card for our trip to Fort Lauderdale. And then I'll pay it off right away and he never did. So I.

• 52:52Caleb Hammer?

  Why didn't you pay it off, dude? Why didn't he pay it off? Let's hear it from your perspective.

• 52:55Speaker 02

  I mean, I, I told him once or twice and then he didn't. I said, screw it. And I used it a little bit too.

• 53:01Caleb Hammer?

  What the fuck is that? What kind of response is that?

• 53:03Speaker 02

  It's not, but.

• 53:04Caleb Hammer?

  It's the literal opposite. I thought you were gonna say, so I paid it off.

• 53:09Speaker 02

  I can't pay it off.

• 53:11Caleb Hammer?

  No, you can't because you've put yourself in a position absolutely, but that's where that that's where that sentence would naturally go for a reasonable person.

• 53:18Speaker 02

  But I didn't even want it.

• 53:19Caleb Hammer?

  Worse.

• 53:20Speaker 02

  I didn't want.

• 53:21Caleb Hammer?

  But you still spent more on it because he didn't pay it off. That doesn't make any sense. That is the, that is beyond stupid.

• 53:28Speaker 01

  So that means it's not all my fault.

• 53:30Speaker 02

  No, it is.

• 53:31Caleb Hammer?

  All, why did you not pay it off, dude?

• 53:33Speaker 01

  Uh, I, I was being lazy. I don't know, or I.

• 53:37Caleb Hammer?

  You don't know?

• 53:38Speaker 01

  I probably spent.

• 53:39Caleb Hammer?

  When, when was this?

• 53:41Speaker 01

  Last year.

• 53:42Speaker 02

  Yeah.

• 53:43Caleb Hammer?

  You guys are equally just bad with money and communicating. You guys can get the fizz card because obviously you guys are not credit card people. It only allows you to spend what's in your checking account. It's a debit card that builds credit.

• 53:56Speaker 02

  See, I didn't want that one. So that's not completely my fault. If I wouldn't have even applied for it or put money on it, it would have been fine.

• 54:01Caleb Hammer?

  Why'd you guys get it if you didn't want it?

• 54:03Speaker 02

  Cause I just, I, I was stupid, but I thought that the points would help because I was trying to get money off of a.

• 54:10Caleb Hammer?

  For it.

• 54:10Speaker 02

  Well, yeah, I just wanted money off of the flight.

• 54:12Caleb Hammer?

  Matter if you didn't fucking why you applied for it.

• 54:15Speaker 02

  But I was going on a trip where everything was paid for.

• 54:17Caleb Hammer?

  You applied for it. So I don't care if you didn't want it. You are the one that did it. That doesn't make sense. It's not like he did it against your will. So what the is the, I didn't want it? That doesn't do anything.

• 54:27Speaker 02

  I was trying to make a smart thing to get a discount on a flight and it didn't work.

• 54:30Caleb Hammer?

  And guess what? Now we're losing thirty three thousand forty six cents in interest and it takes seven years to pay off. You're going to be approaching forty at that point. Going to Old Navy, three hundred seventy one dollars in interest. Oh, good. Two hundred twenty eight dollars of fees last year. What is that? Miss payments every single monthly payments every single month. What are we doing?

• 54:47Speaker 02

  Um.

• 54:47Caleb Hammer?

  Well done, guys. Congratulations. We can't manage a single credit card. And now with the fees and the interest rate about two thousand, uh, six hundred dollars of money completely stolen from you last year. Well done. Good job.

• 55:01Speaker 02

  I think that was when I wanted him to pay it off and then I forgot and then I didn't pay the monthly and then.

• 55:06Caleb Hammer?

  For like a year though, because that is a huge amount. That stacks.

• 55:12Speaker 02

  I did just um freeze it or whatever it's called now. I know I can still use it.

• 55:17Caleb Hammer?

  Did you close it?

• 55:18Speaker 02

  But I don't carry it with me.

• 55:19Caleb Hammer?

  Oh, so you.

• 55:20Speaker 02

  I don't even have it on like my phone.

• 55:21Caleb Hammer?

  There's not a term for that. You're just saying you don't have it in your wallet.

• 55:25Speaker 02

  No, I don't have it on my phone and I don't, I don't ever carry it. No, it is frozen too or whatever.

• 55:29Caleb Hammer?

  You froze it?

• 55:30Speaker 02

  Yeah.

• 55:31Caleb Hammer?

  What do you mean you froze it?

• 55:31Speaker 02

  Like, uh.

• 55:33Caleb Hammer?

  I want to know what that means to you.

• 55:35Speaker 02

  Like you can't use it.

• 55:36Caleb Hammer?

  But you still have it. You didn't close the account.

• 55:38Speaker 02

  No, I know I didn't close it. I know that.

• 55:40Caleb Hammer?

  Well, the interest is still accruing. You still have to make your payments on time. The purchasing wasn't an issue. There, I don't see any purchasing on here. That's not what I called out. All I know is it's, yeah. Less than eighty dollars away from the credit limit. So, uh, that's a, that's a recent thing you did. Oh, wait, there are purchases. What am I talking about?

• 55:57Speaker 02

  Old Navy. That was for, well, the Old Navy one was for the Christmas thing.

• 56:02Caleb Hammer?

  The Old Navy was returned, but the Amazon was purchased.

• 56:05Speaker 02

  Hmm. I don't know what that one is exactly.

• 56:07Caleb Hammer?

  But you're the Amazon queen. You don't even know what's being put on the card that's accruing interest that had hundreds of dollars of late fees last year and is now at the credit limit.

• 56:14Speaker 02

  Now I do. It was, I needed something for Christmas and I had enough money left over on that card, so I didn't have to tell him I was buying another Christmas present.

• 56:24Caleb Hammer?

  Literally at the time of this, the Nvidia stock, Nvidia stock just dipped.

• 56:29Speaker 01

  Did.

• 56:30Caleb Hammer?

  Yeah, yeah, he knows. He's following that. That two hundred twenty-eight dollars of fees and three hundred seventy-one dollars of interest. Today I just opened up Mu Mu, my investing app that I personally use and I bought Nvidia because I wanted to buy the dip.

• 56:43Caleb Hammer?

  That money that you could be putting into situations like that, opportunities, is just being absolutely lost because you're just giving it to the bank because you refuse to pay your bills on time.

• 56:58Caleb Hammer?

  Okay, what the is this? Oh, a GMC Acadia. That's probably what it is. Who's GMC Acadia?

• 57:03Speaker 02

  Mine.

• 57:03Caleb Hammer?

  Everything is yours.

• 57:04Speaker 02

  But I don't know anything about that. We have bad car luck.

• 57:09Caleb Hammer?

  Does that mean, does that mean all of a sudden I'm nice? Like, what do you mean?

• 57:12Speaker 01

  I bought it, but it's her car.

• 57:15Caleb Hammer?

  Whose credit is it on?

• 57:16Speaker 01

  Uh, both of our names are on the car.

• 57:18Caleb Hammer?

  Okay, so we do have some joint, okay. Well, it's $363 minimum payment. Who makes the payment? Cause we're separated.

• 57:25Speaker 02

  He does. I didn't want the car.

• 57:26Caleb Hammer?

  You do. So she doesn't even make the payment. Good, cause I don't know how you'd afford it.

• 57:30Speaker 02

  I can't. I had a car that I had paid off.

• 57:34Caleb Hammer?

  So $14,195.69. What's the interest rate on this?

• 57:42Speaker 01

  I don't want to talk about that. It's bad. The interest rate is-

• 57:46Caleb Hammer?

  What is the interest rate on this?

• 57:47Speaker 01

  I think it's like 15%.

• 57:49Speaker 02

  It's 14. I just looked, but so-

• 57:52Caleb Hammer?

  You co-signed it and still a 14 stupid percent.

• 57:56Speaker 02

  But we didn't have a choice, kind of.

• 57:58Caleb Hammer?

  You didn't have a choice. You said you didn't want this car.

• 57:59Speaker 02

  I didn't.

• 58:00Caleb Hammer?

  Then you had a choice to not get it.

• 58:01Speaker 02

  I mean, I-

• 58:02Caleb Hammer?

  What the are you talking about?

• 58:04Speaker 01

  Living in the lovely Detroit, uh, we've had two cars stolen.

• 58:08Speaker 02

  A year from each other.

• 58:09Caleb Hammer?

  You not have a garage?

• 58:10Speaker 01

  We do. One of them was stolen out of our driveway. The other one was stolen at a-

• 58:15Speaker 02

  Hospital.

• 58:15Speaker 01

  When, uh, it was at the doctor.

• 58:18Speaker 02

  It was the same car too, by the way.

• 58:19Caleb Hammer?

  How do you guys live there? There's like-

• 58:20Speaker 01

  It was actually in a very nice area, like-

• 58:23Speaker 02

  Yeah.

• 58:23Speaker 01

  An hour north of Detroit.

• 58:25Caleb Hammer?

  There's Kalamazoo, there's Grand Rapids, there's-

• 58:27Speaker 01

  It was in Shelby Township.

• 58:28Caleb Hammer?

  So many good places and you guys live in Detroit?

• 58:31Speaker 02

  Well, it's like-

• 58:31Speaker 01

  We live north of Detroit.

• 58:32Speaker 02

  Yeah, it's not actually Detroit, but it's close.

• 58:34Caleb Hammer?

  Guys, your car got stolen twice. Why do you-

• 58:36Speaker 01

  In Shelby Township.

• 58:38Speaker 02

  He got a car.

• 58:39Caleb Hammer?

  I don't know what that means.

• 58:40Speaker 01

  A very like a wealthy area.

• 58:43Caleb Hammer?

  You're underwater by 13,000. Well, that's probably where they go to steal the cars. That makes sense.

• 58:48Speaker 02

  But it was a car that he knew got stolen a lot and he has bought it three times.

• 58:53Caleb Hammer?

  Wait, has this been stolen?

• 58:54Speaker 02

  This one, no. No, it's not that.

• 58:55Speaker 01

  No.

• 58:56Speaker 02

  No, the car that got stolen twice.

• 58:58Speaker 01

  It was a Trailblazer SS. It's a very common stolen car.

• 59:01Caleb Hammer?

  Wait, it was stolen, then it was found?

• 59:02Speaker 02

  No, he bought another one and then he bought another one after that.

• 59:07Speaker 01

  I've had three of them.

• 59:08Caleb Hammer?

  And three were stolen?

• 59:10Speaker 01

  No, one of them was totaled by a drunk driver.

• 59:12Caleb Hammer?

  Oh my, wait, why, why this? You're underwater by a thousand, that's not crazy, but the fourteen percent interest rate's insane and stupid. How long's the term of the loan?

• 59:20Speaker 01

  Uh, five years.

• 59:21Caleb Hammer?

  Okay, well, it's not great. So why this? Why force her into this position?

• 59:25Speaker 01

  So her stipulation was that it had third row seating. And that's pretty much the most reliable thing that I could put her.

• 59:34Caleb Hammer?

  What's reliable to you?

• 59:35Speaker 01

  Just, I wanted to put her and our kid in a nice-ish car.

• 59:40Caleb Hammer?

  Why do you need a third row? One kid?

• 59:42Speaker 02

  No, it's mainly for A, if I have to take any of her teammates anywhere, or if I need to put that down.

• 59:49Caleb Hammer?

  Make them steal a car, everyone does.

• 59:51Speaker 02

  If I have to put those down to put her hockey and all her soccer crap in the trunk.

• 59:56Caleb Hammer?

  Well, yeah, just get a good trunk. You don't need a third row.

• 59:59Speaker 02

  Well, that, so for the soccer players or?

• 1:00:01Caleb Hammer?

  The third row just takes up the trunk space that would hardly be.

• 1:00:04Speaker 01

  We don't use the third row seats very much. It's just a big trunk.

• 1:00:08Caleb Hammer?

  Okay, so you did need this?

• 1:00:11Speaker 02

  I mean, I didn't need it, but if he was going to try and get a car for me, that was the only thing I cared about.

• 1:00:16Caleb Hammer?

  She get, what was, how long have you had this?

• 1:00:19Speaker 01

  Um, a year and a half.

• 1:00:21Caleb Hammer?

  What was the purchase price?

• 1:00:23Speaker 01

  Eighteen or nineteen thousand?

• 1:00:24Caleb Hammer?

  More ten thousand?

• 1:00:27Speaker 01

  I like cool shit.

• 1:00:29Caleb Hammer?

  This isn't cool.

• 1:00:31Speaker 01

  It's nice.

• 1:00:35Speaker 02

  I don't know anything about it. I just said, okay.

• 1:00:37Caleb Hammer?

  This is a normal thing, whatever.

• 1:00:39Speaker 01

  It's like a cool mom car.

• 1:00:41Caleb Hammer?

  I guess. Get a Toyota minivan.

• 1:00:44Speaker 02

  I, again, I had no say. I, I mean, I've never.

• 1:00:48Caleb Hammer?

  Why did she have no say in what to get though?

• 1:00:50Speaker 01

  It's, I think more or less she had no care. Like I said, I said, what do you want? And she said, I want a big trunk or third row seating. That's what it, that's what it was. It wasn't that she had no.

• 1:01:01Speaker 02

  I was fine with my car.

• 1:01:03Caleb Hammer?

  She was fine with her car?

• 1:01:05Speaker 01

  Uh, at the time, because of the stolen vehicles, we were driving a uh, twenty twenty-one Jeep Compass that we were paying six hundred fifty dollars a month.

• 1:01:16Caleb Hammer?

  For sake.

• 1:01:16Speaker 01

  So I got out of that. No, it was a lease, but I got-

• 1:01:19Caleb Hammer?

  You rolled it over?

• 1:01:20Speaker 02

  He had to.

• 1:01:21Speaker 01

  Rolled it over, yes. So I got out of that and-

• 1:01:23Caleb Hammer?

  What was it rolled over into, into this?

• 1:01:25Speaker 01

  Uh, no, I rolled the totaled car, or the stolen car into the, into the lease.

• 1:01:34Caleb Hammer?

  What about the remainder of the lease, though?

• 1:01:35Speaker 01

  That I got out of it positively.

• 1:01:38Caleb Hammer?

  Oh, okay, so cause you bought through the same dealership?

• 1:01:40Speaker 01

  I sold the lease to a different-

• 1:01:43Caleb Hammer?

  Really?

• 1:01:43Speaker 01

  Car dealership, yeah, and then bought that.

• 1:01:48Caleb Hammer?

  Okay.

• 1:01:49Speaker 02

  I have no idea what's going on right now.

• 1:01:50Caleb Hammer?

  Well, all that I care about is that you have a fourteen thousand one hundred ninety-five dollar car, fourteen percent interest, at a five-year term with four years left, at a three hundred sixty-three dollar minimum payment that he's taking care of because again, we're separate.

• 1:02:02Speaker 01

  I tried to refinance it within the last month or so and got ghosted by the-

• 1:02:06Caleb Hammer?

  Ghosted? What do you mean ghosted?

• 1:02:07Speaker 01

  He just stopped answering my calls and emails. The guy that I was dealing with.

• 1:02:11Caleb Hammer?

  Like what? From where?

• 1:02:13Speaker 01

  It was called Autopay was the company.

• 1:02:15Caleb Hammer?

  Okay, you're doing it like, well, why didn't you use the opportunity? You already have the credit? Did you already have the hard inquiry on your credit?

• 1:02:21Speaker 01

  Yes.

• 1:02:22Caleb Hammer?

  Okay, then why didn't you just apply to other places?

• 1:02:24Speaker 01

  I, I, I was just trying to keep up contacting him and it just hasn't worked.

• 1:02:28Caleb Hammer?

  Why him? Are you in love? What the?

• 1:02:30Speaker 01

  No, I liked the rate that we were getting. I think it was like down to nine percent.

• 1:02:33Caleb Hammer?

  You were ghosted, buddy. Sorry, it happens every once in a while. You got-

• 1:02:37Speaker 01

  Not used to it.

• 1:02:38Speaker 02

  Oh, must be nice.

• 1:02:39Caleb Hammer?

  We've been together for ten years. What are you talking about? Who are you getting ghosted by?

• 1:02:42Speaker 02

  I mean, I've been ghosted before. A while ago.

• 1:02:46Caleb Hammer?

  A long time ago now.

• 1:02:47Speaker 02

  Well, yeah, but still.

• 1:02:49Caleb Hammer?

  At this point, we don't know with you guys. Okay, Capital One Venture One, who has this?

• 1:02:52Speaker 02

  That's me. This is the long one. This is my first credit card ever.

• 1:02:56Caleb Hammer?

  Nine thousand five hundred seventy-nine dollars and seventy-eight cents. It's your first credit card and it's over the credit limit?

• 1:03:00Speaker 02

  I hate it. Yeah. Oh, no, no, no. So, I, no.

• 1:03:04Caleb Hammer?

  Yes.

• 1:03:05Speaker 02

  No.

• 1:03:06Caleb Hammer?

  Yes.

• 1:03:06Speaker 02

  I just found out, I didn't know this, but it was ten thousand was my max and they've been lowering it, which is fine. I just didn't know that. So it looks like it's over, I think, cause I just looked at it. Yeah, but it's cause they keep lowering it.

• 1:03:20Caleb Hammer?

  Uh huh.

• 1:03:20Speaker 02

  I didn't know that.

• 1:03:21Caleb Hammer?

  Oh, good. You're not purchasing on it. How long does this take to pay off?

• 1:03:24Speaker 02

  Oh, I don't know, twenty-seven years?

• 1:03:26Caleb Hammer?

  Twenty-six years.

• 1:03:28Speaker 02

  That's a great guess.

• 1:03:29Caleb Hammer?

  It was a great guess and it's a horrible life.

• 1:03:31Speaker 02

  It is. I hate it. And he wants to-

• 1:03:33Caleb Hammer?

  Hate it? Why the is it never being paid down at all? And the 10 years that you guys are, you know, making money and living in a pretty cheap area.

• 1:03:39Speaker 01

  I think we pay $350 a month on that.

• 1:03:42Speaker 02

  It's like 200 something interest.

• 1:03:44Caleb Hammer?

  Yeah, it was $221.13 of interest, minimum payment, 316. 26 years to pay off. When did you rack this up? When was the last time a purchase was made on it? Be honest. 26.74% interest.

• 1:03:56Speaker 02

  I mean, if-

• 1:03:57Caleb Hammer?

  Fees last year? Fees? Does this card have a fee or are those late fees?

• 1:04:01Speaker 02

  Probably late fees. I don't think it has a fee. Oh, does it?

• 1:04:04Speaker 01

  I could be wrong, but I think it has an annual.

• 1:04:07Caleb Hammer?

  Well, I look it up, but I don't have it. I don't have search capabilities. $2,575 of interest, so now $5,000 of fees and interest. Were taken from you last year.

• 1:04:18Speaker 01

  Oh, my God.

• 1:04:19Caleb Hammer?

  Two months of your earnings. Two months of your earnings are gone.

• 1:04:23Speaker 02

  Yes, but since I-

• 1:04:26Caleb Hammer?

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• 1:05:24Caleb Hammer?

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• 1:06:09Caleb Hammer?

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• 1:06:17Speaker 02

  I actually started to try to do the, I don't think it's, maybe snowball, whatever that stupid thing is. The thing where you pay off the higher interest but the lower amount one? Because this is going to take me forever, so I'd rather get rid of the smaller ones and put that towards the big one.

• 1:06:32Caleb Hammer?

  What was your last purchase on it?

• 1:06:33Speaker 02

  Probably for Christmas, but 20 bucks, but before that, no.

• 1:06:36Caleb Hammer?

  What? You're purchasing on this now?

• 1:06:37Speaker 02

  I don't know.

• 1:06:38Caleb Hammer?

  Snowball method does not work if you're purchasing it. That's not in the method.

• 1:06:42Speaker 02

  I don't, okay, I don't think I am, but I, I don't want you to get all upset again. So, I'm just going to say maybe a small purchase to like-

• 1:06:49Caleb Hammer?

  How do you not fucking know you're going through this method?

• 1:06:52Speaker 02

  I don't think I did, but I can't remember.

• 1:06:54Caleb Hammer?

  Yeah, that's, oh, uh, um, Capital One. Capital One Venture Rewards Credit. That version has a $90 fee, but the Capital One Venture One Credit. Huh? Venture, is this the Venture One?

• 1:07:10Speaker 02

  Yeah.

• 1:07:11Caleb Hammer?

  This one does not have a fee. Those are late fees.

• 1:07:13Speaker 01

  Sweet.

• 1:07:13Speaker 02

  Awesome. That goes through Brian. Yeah, Brian pays for that. Because

• 1:07:19Caleb Hammer?

  How are you guys deciding what happens where? Again, you're so weird with all this.

• 1:07:23Speaker 02

  I can afford the smaller bills. I can't afford the

• 1:07:26Caleb Hammer?

  Why is it to his mind? All this stuff, though. This is so weird.

• 1:07:29Speaker 02

  He doesn't want a joint account.

• 1:07:30Caleb Hammer?

  It's not even a joint account. Why aren't you guys attacking them together? The joint account isn't even the big thing.

• 1:07:36Speaker 01

  She just says, hey, we need to pay X amount of dollar on this card. I say, okay.

• 1:07:40Speaker 02

  But there's been times where I say, hey, can we pay 200 extra towards this? And he'll say, well, I can't do that right now, but

• 1:07:47Caleb Hammer?

  Okay, what about the care credit?

• 1:07:49Speaker 02

  I got screwed on that one.

• 1:07:51Caleb Hammer?

  Yeah, because you've been the victim this entire conversation. How were you the victim in this one?

• 1:07:55Speaker 02

  Well, I have paid for some of his medical stuff with it, but it was used before I was working. It was used for our pets. Um, but I did

• 1:08:03Speaker 01

  Also, her mother's pet.

• 1:08:04Caleb Hammer?

  If you can't afford pets, don't get them!

• 1:08:07Speaker 01

  Her mother's pet is on there.

• 1:08:08Caleb Hammer?

  It is not fair to the pet!

• 1:08:11Speaker 02

  Well, when I got it, I was working in a vet clinic.

• 1:08:14Caleb Hammer?

  And you couldn't afford it yet because we still

• 1:08:16Speaker 02

  Well, no, that was the in-between when I wasn't. I was working at a really good, um, hospital and then I

• 1:08:22Caleb Hammer?

  Is it free?

• 1:08:23Speaker 02

  I mean, it's not free, but it

• 1:08:25Caleb Hammer?

  And how would you still be able to afford a major surgery?

• 1:08:28Speaker 02

  Either A, they can take it out of your pay if they have to, or

• 1:08:31Caleb Hammer?

  Well, that's not a 40

• 1:08:32Speaker 02

  Well, I do every, I haven't had a major surgery. I know

• 1:08:35Caleb Hammer?

  Yet!

• 1:08:35Speaker 02

  I know, I know. I know I can, but otherwise, everything else, like

• 1:08:39Caleb Hammer?

  One time a dog has to eat something and it gets stuck in their intestine.

• 1:08:42Speaker 02

  No, I know, but I don't pay for like x-rays. I don't pay for, you know

• 1:08:46Caleb Hammer?

  That's the easy, the, the surgery is what kills you.

• 1:08:49Speaker 02

  Well, I do most of the surgery too, so it, you know

• 1:08:51Caleb Hammer?

  You don't do the surgery. A surgeon does the surgery.

• 1:08:56Caleb Hammer?

  If you can't afford pet insurance, you can't afford pets. That is like the basic new reality here.

• 1:09:00Speaker 02

  I'm not gonna follow that. Like, I would, I would go, I would go into way more debt for a pet than anything.

• 1:09:06Caleb Hammer?

  You aren't qualified.

• 1:09:07Speaker 02

  No, I know, but I'm saying that I, I will always have a pet.

• 1:09:11Caleb Hammer?

  But what if you get denied the fucking debt?

• 1:09:14Speaker 01

  I didn't even know pet insurance was a thing.

• 1:09:16Caleb Hammer?

  Yeah.

• 1:09:17Speaker 02

  Pet insurance is okay. It depends on the kind. I don't like some of them.

• 1:09:21Caleb Hammer?

  Well, yeah, some of them are, just like some insurances in general.

• 1:09:24Speaker 02

  But see, the thing is, I wouldn't use it because I don't need it for wellness. Like

• 1:09:28Caleb Hammer?

  I'm not saying for wellness, I'm saying for those, it's insurance for the big things. Just like you have health insurance so that when a big thing happens, you're not going bankrupt.

• 1:09:35Speaker 02

  But also it's going to be kind of expensive for some of mine because they have like issues already or they're seventeen years old.

• 1:09:41Caleb Hammer?

  So that's a different conversation. That's a different conversation, but I'm saying with the new ones that you get, yes.

• 1:09:47Speaker 02

  Okay, that, yeah, we can fit that into the budget. I'm fine with that, but for some of them, it does, price wise, it doesn't make sense for me.

• 1:09:52Caleb Hammer?

  Well, yes, no, I mean, once you have like a seventeen year old, no, I wouldn't recommend it.

• 1:09:56Speaker 02

  Yeah, or even, oh, I have a

• 1:09:57Caleb Hammer?

  Or a chronically sick one.

• 1:09:58Speaker 02

  Yeah, okay.

• 1:09:59Caleb Hammer?

  Even those with like past issues of doing things you can't get them, but that's not the point.

• 1:10:03Speaker 06

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• 1:10:33Speaker 01

  We have a dog with like a cardiac issue that

• 1:10:35Caleb Hammer?

  Yeah, and I wouldn't say you do them, but that's not the point. I'm just saying if you cannot afford

• 1:10:38Speaker 02

  Yeah.

• 1:10:39Caleb Hammer?

  The basic health insurance when you get a pet, you can't afford the pet. Because if you can't afford the basic health insurance, then you also cannot afford the basic big thing to save their life.

• 1:10:46Speaker 02

  Yeah, that is a, obviously, you know, we suck at communicating, uh, but that's a conversation we just haven't had, but I did look into it. I did look into it and price wise for all the pets.

• 1:10:56Caleb Hammer?

  Well, obviously not the sick ones and the old ones. So four thousand four hundred twenty-four on here.

• 1:11:00Speaker 02

  Yeah, well, I thought, because I was making all the payments.

• 1:11:03Caleb Hammer?

  Hundred forty-eight dollar minimum payment and a hundred three dollars and forty-eight cents of insurance screwing. Seven, well, not this month, but probably last year, seventeen years to pay off. All these are multi decades. Let's see, two hundred, two hundred eighty-seven dollars of fees.

• 1:11:17Speaker 01

  She let her mom put her dog's ACL surgery on that card.

• 1:11:21Caleb Hammer?

  Why?

• 1:11:21Speaker 01

  And it didn't get paid off in the promotional period like it was agreed upon.

• 1:11:25Caleb Hammer?

  Why?

• 1:11:26Speaker 02

  Um, I mean, I, I don't know.

• 1:11:29Caleb Hammer?

  Couldn't get her own debt?

• 1:11:30Speaker 02

  I'm, she had her own, she has huge financial issues. That's not her fault. It's not.

• 1:11:35Caleb Hammer?

  It's not? Well, nothing's anyone's fault.

• 1:11:38Speaker 01

  She got got by somebody faking being somebody else.

• 1:11:42Speaker 02

  And they opened a business.

• 1:11:43Speaker 01

  They opened a business together and he was operating under a fake name.

• 1:11:47Caleb Hammer?

  Oh.

• 1:11:48Speaker 01

  Got her for like two hundred thousand dollars.

• 1:11:51Speaker 02

  Yeah. So it was not her fault.

• 1:11:53Caleb Hammer?

  It's a huge thing.

• 1:11:54Speaker 02

  But anyway, so I did that, but it doesn't pay it to the promotional periods, which I didn't know. I thought if I-

• 1:12:01Caleb Hammer?

  Didn't know you signed up for something you didn't understand? Great.

• 1:12:03Speaker 02

  I mean, yeah, because I signed up when I was nineteen.

• 1:12:09Speaker 02

  So my balance-

• 1:12:09Caleb Hammer?

  People can't ask questions at nineteen?

• 1:12:11Speaker 02

  No, I can, but I don't know. I, I, I've never had one. My mother never talked to me about it. He didn't have any cards.

• 1:12:17Caleb Hammer?

  Yeah. Congratulations. Welcome to the entire world where none of us are financially educated when we were born. You learn things, you ask questions.

• 1:12:22Speaker 02

  Which I should have, and now I learned my lesson.

• 1:12:24Caleb Hammer?

  And now you have this. What's the two hundred eighty seven dollars of fees last year, though?

• 1:12:27Speaker 02

  Um, I had it on autopay and it wasn't working, so I called to complain. No, I did.

• 1:12:31Caleb Hammer?

  You called to complain, but it wasn't big enough for, obviously their fault enough for them to reverse it.

• 1:12:35Speaker 02

  Well, they did it once and then I signed up for autopay. He made me do it on the phone with him. And I said, okay, does it say sign up now? He said yes.

• 1:12:43Caleb Hammer?

  What do you mean it wasn't working? Well, it's not working.

• 1:12:45Speaker 01

  It's not, it's not-

• 1:12:45Speaker 02

  It wasn't auto paying.

• 1:12:47Caleb Hammer?

  Then why, why aren't you tracking your shit though regardless?

• 1:12:50Speaker 02

  I did check after the fact and that when I called him at-

• 1:12:53Caleb Hammer?

  This is a lot of late fees.

• 1:12:54Speaker 02

  No, I know. I'm, I'm, it went on for a while. So that's why I-

• 1:12:58Caleb Hammer?

  Why aren't you looking at your accounts ever?

• 1:13:00Speaker 02

  I, I was just after the fact. I never looked-

• 1:13:03Caleb Hammer?

  The fact every single time? So you're like, oh, wait, that one failed last time. It's okay.

• 1:13:06Speaker 02

  And then after I started-

• 1:13:07Caleb Hammer?

  It failed last month. I'm sure it's gonna work this month.

• 1:13:10Speaker 02

  Well, I signed up. He watched me and the dude on the phone said that it signed up for autopay.

• 1:13:14Caleb Hammer?

  Yeah, but this is a lot of auto pays though. So I'm saying if you notice one miss and you corrected it, okay. But obviously if failed again.

• 1:13:21Speaker 02

  Yeah.

• 1:13:21Caleb Hammer?

  Like, how many times does it take until you're like, okay, maybe I just make the payment?

• 1:13:25Speaker 02

  Well, yeah, then I said, screw it. I'm not doing autopay. And now I just do it by like, just go a day or two before.

• 1:13:30Caleb Hammer?

  Now we're at six thousand five hundred dollars or so.

• 1:13:34Speaker 02

  No.

• 1:13:35Caleb Hammer?

  Of, yeah.

• 1:13:36Speaker 02

  Oh, okay. I'm sorry. I thought you meant total. I was like, absolutely not.

• 1:13:39Caleb Hammer?

  Fees and interest across the board.

• 1:13:40Speaker 02

  Yep.

• 1:13:42Caleb Hammer?

  It's insane.

• 1:13:42Speaker 01

  We might hit-

• 1:13:43Speaker 02

  And that one actually was down to about two thousand five hundred. And then with all the promotional ending, it went down, up to like four thousand something.

• 1:13:50Caleb Hammer?

  And, hell, not. So how much in student loans do you have? Is it just this three thousand four hundred fifty three?

• 1:13:57Speaker 02

  Yeah. And that's from a while ago.

• 1:13:59Caleb Hammer?

  Are you paying on them?

• 1:14:01Speaker 02

  I wasn't. Um, I did start because I assumed I should. I just paid the interest. I paid, well, I paid fifty dollars, which covered the interest that was built up, which is probably stupid, but. I don't know what to do with it because I don't need to pay it now.

• 1:14:13Caleb Hammer?

  You don't log in?

• 1:14:15Speaker 02

  No, I I do, but it's deferred.

• 1:14:16Caleb Hammer?

  What does it say? It's deferred, okay.

• 1:14:18Speaker 02

  Right? Yeah.

• 1:14:19Speaker 01

  It's deferred, yeah.

• 1:14:20Speaker 02

  Till January of 2026.

• 1:14:23Caleb Hammer?

  Okay. Okay, that was the actual answer.

• 1:14:29Caleb Hammer?

  Oh, the mortgage, okay. At a 2.875 rate, we love that. You're both on this.

• 1:14:35Speaker 02

  We did it.

• 1:14:36Speaker 01

  Yeah, and she gets she gets really, really upset when I tell her we're never moving because of our interest rate.

• 1:14:43Caleb Hammer?

  Hmm, yeah.

• 1:14:45Speaker 02

  I mean, we can still move and you can still use that to rent. I just don't like the house.

• 1:14:49Caleb Hammer?

  Why?

• 1:14:50Speaker 02

  Not anytime soon, don't.

• 1:14:52Caleb Hammer?

  1,459 dollars and 79 dollars a month, or 79 cents a month. Why don't you like the house?

• 1:15:00Speaker 02

  Uh, for all the crap we have, there's there's not enough room. Or are my.

• 1:15:04Caleb Hammer?

  Square footage?

• 1:15:05Speaker 01

  1,600 square feet, but we don't have a traditional, we don't have like storage areas.

• 1:15:10Speaker 02

  My kid doesn't have anywhere to do anything. No.

• 1:15:12Speaker 01

  No, it's a lockout.

• 1:15:13Speaker 02

  Uh, not really.

• 1:15:14Speaker 01

  Very small one. The attic is just over the kitchen.

• 1:15:18Speaker 02

  And Brian was doing all the house hunting himself and then it, for the most part, for the most part, and we we've never obviously bought a house.

• 1:15:25Caleb Hammer?

  Because you guys weren't married and you're not together, so.

• 1:15:29Speaker 01

  Hey, we're both finding out.

• 1:15:31Caleb Hammer?

  I don't know. What's this AT&T thing that I have?

• 1:15:34Speaker 02

  I don't know.

• 1:15:35Speaker 01

  That's just our phone bill.

• 1:15:36Caleb Hammer?

  It's 410 dollars a month.

• 1:15:38Speaker 01

  My mom, my stepdad, they they pay their portion. They pay their.

• 1:15:42Caleb Hammer?

  What's their portion?

• 1:15:43Speaker 01

  Like 200 ish.

• 1:15:45Caleb Hammer?

  Oh, my. So even you guys alone are 200?

• 1:15:48Speaker 01

  I have three lines.

• 1:15:50Caleb Hammer?

  Why?

• 1:15:51Speaker 01

  Well, I have a work phone, but they pay they reimburse me.

• 1:15:54Caleb Hammer?

  How much is that?

• 1:15:55Speaker 01

  They reimburse me 50 dollars.

• 1:15:57Caleb Hammer?

  Okay, so even 150?

• 1:15:58Speaker 01

  And we have my phone, her phone, and our daughter has a phone.

• 1:16:01Caleb Hammer?

  Are the phones owned outright?

• 1:16:03Speaker 01

  Uh, no.

• 1:16:07Speaker 02

  I don't know about this either, which isn't good.

• 1:16:09Speaker 01

  They're all about five dollars a month.

• 1:16:14Caleb Hammer?

  The thing is, I love just the different resources out there. Again, one of the things that we connect people with and the audience, helium for literally 15 hours a month, T-Mobile towers, same services, T-Mobile. But you can't do that when you owe the phone, when you still owe on the phone to someone.

• 1:16:33Caleb Hammer?

  Well, okay, what am I seeing here? It's retirement. Whose retirement is 4,300? Mine. Okay, dramatically behind for your age.

• 1:16:42Speaker 01

  Yeah, it's it's new.

• 1:16:44Speaker 02

  He never had a big boy job for a good amount of years.

• 1:16:47Caleb Hammer?

  So what was this thing that someone told me at the beginning? We pay our bills on time. Cause that was obviously a complete lie. We've just gone through this and every account had late fees.

• 1:16:55Speaker 02

  But they're old late fees.

• 1:16:57Caleb Hammer?

  From a year that ended a month ago. Shut the up. Listen, including in that year was an overdraft from a checking account. Yeah, no, we are not financially sound. You cannot have any

• 1:17:11Speaker 02

  That's his.

• 1:17:12Caleb Hammer?

  sense of financial security. Fifth third is you?

• 1:17:14Speaker 01

  Yeah.

• 1:17:15Caleb Hammer?

  Yeah. So you're both, you're both stupid with money. I don't want everyone to hear one person's good, one person's bad. Absolutely not. And the balance of 886, it's okay. It's a little, I'd rather get closer to a couple thousand, just in case.

• 1:17:26Speaker 02

  He doesn't believe in keeping money in banks.

• 1:17:30Caleb Hammer?

  But that's where your mortgage is paid.

• 1:17:32Speaker 02

  He only puts in the stopper bills.

• 1:17:35Caleb Hammer?

  Well, keep cash. What the heart of the heart of you? What? Dude, you're in Detroit. That's the worst place to keep cash.

• 1:17:41Speaker 01

  We have a safe.

• 1:17:43Caleb Hammer?

  Yeah.

• 1:17:43Speaker 02

  We have two safes.

• 1:17:44Caleb Hammer?

  Watch them learn how to take a safe.

• 1:17:46Speaker 02

  One is very small.

• 1:17:47Speaker 01

  To the floor.

• 1:17:48Speaker 02

  One is not.

• 1:17:49Caleb Hammer?

  Watch them learn how to get screwdrivers and.

• 1:17:53Speaker 02

  That's another thing we don't agree on is he doesn't like to put any money in any form of different savings and also he doesn't like.

• 1:18:00Caleb Hammer?

  You're losing 3% a year to inflation.

• 1:18:03Speaker 02

  He doesn't.

• 1:18:03Caleb Hammer?

  Why would you want that? And then why would you want your house to be a spot where they robbers would look?

• 1:18:08Speaker 01

  Well, they don't know that it's there. They don't advertise it.

• 1:18:12Caleb Hammer?

  You're, even though you're using a fake name. There's are gonna be a few people who know you, who you are.

• 1:18:19Speaker 01

  This is fair.

• 1:18:20Speaker 02

  Yeah. And but also I don't even know what's in the savings. I don't even know.

• 1:18:23Caleb Hammer?

  What is in? How much cash?

• 1:18:25Speaker 01

  Uh, like 15,000.

• 1:18:27Caleb Hammer?

  You're stupid. Why not get 4% in a high yield savings?

• 1:18:32Speaker 01

  I didn't know that there were savings accounts that had that good of interest rates.

• 1:18:37Caleb Hammer?

  Are you? You can look things. What is with people and not just trying to ask questions? I, I don't get it.

• 1:18:45Speaker 02

  He likes to do like his own stocks. He like researched that when the-

• 1:18:48Caleb Hammer?

  Your own stocks? You have fifteen thousand dollars in cash? What stocks?

• 1:18:50Speaker 02

  No, I'm saying he liked to do, what was it?

• 1:18:52Speaker 01

  I got caught up in like-

• 1:18:53Speaker 02

  Take it to the moon or whatever that stupid thing was.

• 1:18:54Speaker 01

  Yeah, I got caught up in the AMC GameStop stuff.

• 1:18:57Speaker 02

  He would play that on our TV all day long and I had to watch this really annoying guy.

• 1:19:00Caleb Hammer?

  I'm so tired now.

• 1:19:02Speaker 01

  I thought it was a stock master for-

• 1:19:04Caleb Hammer?

  What, you were watching Roaring Kitty?

• 1:19:05Speaker 02

  No, who was that annoying kid?

• 1:19:07Speaker 01

  What was his name?

• 1:19:08Speaker 02

  I don't know, but-

• 1:19:09Speaker 01

  Matt Coors or something like that?

• 1:19:10Speaker 02

  It was the worst.

• 1:19:12Speaker 01

  No, it, I don't think he ended up being anything.

• 1:19:15Caleb Hammer?

  Merchant Payment, uh, Chop House Detroit, Chipotle, a grill, VenWentOut Money, Amazon, Fantastics. What's that? Fanat- Fanatics.

• 1:19:29Speaker 02

  Yeah.

• 1:19:30Speaker 01

  Uh, so in Michigan, we have all the, uh, online sports gambling apps.

• 1:19:35Caleb Hammer?

  Which is you gamble!

• 1:19:36Speaker 01

  I don't gamble. I hustle them for their promotions.

• 1:19:39Caleb Hammer?

  What do you mean? Well, what was this fifty dollars done? Cause it was still fifty dollars that left your account.

• 1:19:43Speaker 01

  Correct, and if you go through them-

• 1:19:45Caleb Hammer?

  Are you seeing a pattern, Mr. GameStop AMC?

• 1:19:49Speaker 01

  Yes, but it's a good pattern. I, I-

• 1:19:51Caleb Hammer?

  How much money did you make on GameStop and AMC?

• 1:19:55Speaker 01

  Uh, like six thousand?

• 1:19:56Caleb Hammer?

  You made? And you took out?

• 1:19:58Speaker 01

  Yes.

• 1:19:59Caleb Hammer?

  Glad you actually took out.

• 1:20:00Speaker 02

  Where'd that go?

• 1:20:01Speaker 01

  That was a long time ago.

• 1:20:03Speaker 02

  I didn't know that.

• 1:20:05Caleb Hammer?

  Well, who knows what he's been doing since? Oh, go, explain!

• 1:20:09Speaker 01

  Uh, I just hustle them for their promos. If they have like a deposit fifty, get ten, I deposit the fifty and then you can lose one dollar for fifty-three and then you profit the nine.

• 1:20:22Caleb Hammer?

  If you're being a hundred percent truthful, net across the board, are you profitable or are you down?

• 1:20:27Speaker 01

  Yes, a hundred percent, yes.

• 1:20:29Caleb Hammer?

  How profitable?

• 1:20:30Speaker 01

  I mean, very miniscule, but it's at zero risk.

• 1:20:33Caleb Hammer?

  Good point.

• 1:20:34Speaker 02

  He is good at like poker and gambling, I will say, cause we do trips and stuff for poker itself.

• 1:20:39Caleb Hammer?

  I put it in the fun money, but you guys just don't have money to like risk right now.

• 1:20:43Speaker 01

  Yeah, I mean-

• 1:20:43Speaker 02

  But he doesn't risk it for poker.

• 1:20:45Speaker 01

  I have a backer. I I used to play poker for a living and I still play very occasionally, but I have a a backer for that.

• 1:20:52Caleb Hammer?

  Marshalls, PayPal and out, Zell and out, Netflix, Von Mar.

• 1:21:00Speaker 02

  Look at your card. There's so many things that you.

• 1:21:05Caleb Hammer?

  Dude, this is crazy. This is all bullshit. PayPal out, PayPal out, sending money, Zell out. Where's all this money going that you're just sending Zell and?

• 1:21:12Speaker 01

  Uh, Zell is normally to.

• 1:21:15Speaker 02

  To me.

• 1:21:16Caleb Hammer?

  Zell.

• 1:21:16Speaker 01

  To Kara.

• 1:21:18Caleb Hammer?

  Zell. Venmo, Spotify. Uh, going and getting some BS from the gas station, probably PayPal. I'll uh, pay. Oh, wait. I don't even know what that is, but there's pay in fours. PayPal paying fours.

• 1:21:35Speaker 01

  Yep, so that.

• 1:21:36Caleb Hammer?

  Do you know about that?

• 1:21:37Speaker 02

  That one I do know is a present for me.

• 1:21:39Speaker 01

  Yeah, and.

• 1:21:40Caleb Hammer?

  You paying for a present through? What is it?

• 1:21:42Speaker 01

  Interest free.

• 1:21:43Caleb Hammer?

  What is it?

• 1:21:44Speaker 01

  Uh, we went and saw Kevin Hart.

• 1:21:45Speaker 02

  We saw my husband.

• 1:21:46Speaker 01

  Yeah, Kevin Hart is her, like, it was her bucket list person she wanted to see live, and that was her one.

• 1:21:51Speaker 02

  I'm sorry, I had to.

• 1:21:53Caleb Hammer?

  How much was it?

• 1:21:54Speaker 01

  Christmas, uh, like three hundred-ish dollars.

• 1:21:56Caleb Hammer?

  Okay, for two tickets?

• 1:21:57Speaker 01

  Yeah.

• 1:21:58Speaker 02

  It was great.

• 1:21:59Caleb Hammer?

  Oh, he's not doing very well, is he?

• 1:22:00Speaker 02

  Hold, wait, first of all, you're not gonna speed past that like you didn't just say what you just said. Um, it was, it was, and it was an extra. He added another show last minute.

• 1:22:09Speaker 01

  He did three shows.

• 1:22:09Caleb Hammer?

  Okay, so he's doing pretty well. Disney Plus, Pop Belly, it's a restaurant, Amazon, Amazon, wings, et cetera. Venmo out money, PayPal out money, Venmo out money. This is crazy. Venmo money, this is going out in the Bulk Dogs and the Amazon Taco Bell. Penn Station, is that the sub place?

• 1:22:27Speaker 02

  Yes.

• 1:22:28Caleb Hammer?

  It's the one thing, besides my family, it is the one thing about, I miss about Michigan. That place is so good.

• 1:22:33Speaker 01

  It's the best.

• 1:22:34Caleb Hammer?

  And it's a Midwest chain. I would open it down here if I could. Columbia. The cookies, you guys ever get the cookies from there?

• 1:22:41Speaker 01

  From Penn Station? The best. They're unreal.

• 1:22:43Caleb Hammer?

  Oh, it's insane. But you shouldn't, because you don't have money. Amazon, Chomp Detroit, Chill Box. Going and getting some BS. Amazon, Carousel, Amazon, Amazon, Superior Stick and PayPal, PayPal, PayPal. This is crazy. And PayPal paying for.

• 1:23:00Speaker 02

  That's so much.

• 1:23:01Caleb Hammer?

  The the money that's just out back and forth is crazy, man.

• 1:23:07Caleb Hammer?

  Crazy.

• 1:23:08Speaker 02

  That's three pages.

• 1:23:09Caleb Hammer?

  And then Chase, is that you?

• 1:23:11Speaker 02

  Uh, it could be either of us.

• 1:23:12Speaker 01

  We both have a Chase account.

• 1:23:14Caleb Hammer?

  Well, five, ten, rare mind and body.

• 1:23:17Speaker 02

  That's me, but that's, that's my therapist.

• 1:23:19Caleb Hammer?

  Huh?

• 1:23:20Speaker 02

  My therapist.

• 1:23:21Caleb Hammer?

  Okay. Mer shari, going and getting some BS, Amazon, no surprise with you, Starbucks, Starbucks, Cafe, two Patreons to who? I guarantee they don't have more content than our membership on YouTube membership.

• 1:23:35Speaker 02

  Uh, they probably don't, but that was a double charge on accident.

• 1:23:38Caleb Hammer?

  We've confirmed, we have like the most content that memberships offer, because we always get the best value. Star, to who? Who the are you Patreon to that's not us?

• 1:23:48Speaker 02

  The picky boys.

• 1:23:49Caleb Hammer?

  What is that?

• 1:23:50Speaker 02

  A bunch of twenty year olds that are just dumb and young. I don't know, it's funny, they do.

• 1:23:55Caleb Hammer?

  You're going into.

• 1:23:56Speaker 02

  They like shock each other and stuff with games and stuff.

• 1:23:59Caleb Hammer?

  Shack each other?

• 1:24:01Speaker 02

  Shock.

• 1:24:01Caleb Hammer?

  You like watching young boys get shocked?

• 1:24:03Speaker 02

  They're not young, they're, they're legal.

• 1:24:05Caleb Hammer?

  I'm kidding, I know. Using sensationalized terms for Twitter. Classic Family Grill, going and getting some BS, Dunkin', Lori's Cafe, Sheen, Sheen, Starbucks, okay, yours is just as much, so you calling him out? The are you doing?

• 1:24:20Speaker 02

  I've never seen his, he knows mine, I've never seen his.

• 1:24:23Caleb Hammer?

  Why? Why she never seen yours?

• 1:24:25Speaker 01

  I, I'd never seen hers either, I don't know why she says I know hers.

• 1:24:28Speaker 02

  You know what I spend on?

• 1:24:29Caleb Hammer?

  You guys, I don't know how you're gonna make, you guys are gonna break up every five years and never get married.

• 1:24:33Speaker 02

  No, we're gonna be fine.

• 1:24:34Caleb Hammer?

  You've broken up twice, come on.

• 1:24:35Speaker 01

  Yeah, we're.

• 1:24:36Caleb Hammer?

  Five below, Amazon, liquor, DoorDash and McDonald's, Amazon, there's the therapy again, that's okay, tropical smoothie, tropical smoothie, going and getting some BS, venom weighing out money, selling money out, twenty, two hundred dollars there, selling out money for someone that doesn't have any money, according to them.

• 1:24:52Speaker 02

  That was to my mother.

• 1:24:53Caleb Hammer?

  BS, going and getting some BS, crumble, crumble cookies, Amazon, Amazon, chillbox, Starbucks chillbox, the it's a chillbox every day.

• 1:25:04Speaker 02

  It's a gas station.

• 1:25:05Caleb Hammer?

  Liquor, that's definitely liquor.

• 1:25:08Speaker 02

  Yes, but I, I don't have those purchases anymore.

• 1:25:11Caleb Hammer?

  Huh?

• 1:25:12Speaker 02

  I don't purchase liquor anymore.

• 1:25:14Caleb Hammer?

  So you quit like a day ago?

• 1:25:16Speaker 02

  No, a month.

• 1:25:17Caleb Hammer?

  It wasn't a full month.

• 1:25:18Speaker 02

  About a month.

• 1:25:19Caleb Hammer?

  About.

• 1:25:20Speaker 01

  Three weeks.

• 1:25:21Caleb Hammer?

  Use a loose about.

• 1:25:22Speaker 02

  I mean, that's good for me.

• 1:25:23Caleb Hammer?

  Were you an alcoholic a month ago?

• 1:25:24Speaker 02

  I mean, no.

• 1:25:26Caleb Hammer?

  I mean, no.

• 1:25:27Speaker 01

  Borderline.

• 1:25:28Caleb Hammer?

  Actually.

• 1:25:29Speaker 02

  I mean, there's other stuff going on, but yeah.

• 1:25:32Caleb Hammer?

  What?

• 1:25:33Speaker 02

  Uh, just stressors throughout life. Just, you know.

• 1:25:36Caleb Hammer?

  And that's your cope is the glug glug?

• 1:25:38Speaker 02

  Um, yeah, I don't do anything else. Not that that's.

• 1:25:40Caleb Hammer?

  How much you drink?

• 1:25:41Speaker 02

  Not.

• 1:25:41Caleb Hammer?

  Did?

• 1:25:42Speaker 01

  It wasn't like that.

• 1:25:43Speaker 02

  It wasn't during work or.

• 1:25:44Caleb Hammer?

  You said borderline, so I don't know.

• 1:25:45Speaker 01

  I mean, she would.

• 1:25:46Speaker 02

  I would have a drink after work every day or something like that. Like one or two. But it was.

• 1:25:52Caleb Hammer?

  That's probably good.

• 1:25:52Speaker 02

  For me, it's strong.

• 1:25:53Caleb Hammer?

  There's been, I mean, more recent sciences done. There's been, you know, the, oh, glass red wine's good, good. There's been recent science done. Boring. Oh, my gosh, whose account is this?

• 1:26:06Speaker 01

  Mine.

• 1:26:06Speaker 02

  Brian.

• 1:26:06Caleb Hammer?

  So you have more bullshit spending. Bet online $500, food group, Taco Bell.

• 1:26:14Speaker 02

  Five hundred.

• 1:26:15Caleb Hammer?

  Leads.

• 1:26:15Speaker 01

  Deposit or the.

• 1:26:16Caleb Hammer?

  $200 to bet again MGM.

• 1:26:19Speaker 01

  The credit is better.

• 1:26:20Caleb Hammer?

  Bella Cino's.

• 1:26:22Speaker 01

  Food.

• 1:26:23Caleb Hammer?

  Okay, 55. Uh, bet $100, bet $190 sushi, McDonald's, McDonald's, Amazon, Amazon, dicks, dicks, Amazon, Amazon.

• 1:26:33Speaker 02

  Bought dicks.

• 1:26:35Caleb Hammer?

  What is that? A thousand dollars of the betting pool.

• 1:26:38Speaker 01

  Uh, yeah, and if you look at the credits, it's more than the debits.

• 1:26:43Caleb Hammer?

  Be careful, man. Don't it up.

• 1:26:45Speaker 01

  Yeah.

• 1:26:45Caleb Hammer?

  People it up all the time. You might be on the good side now. That does not mean you're on the good side forever. I'm sure she used to be on the good side of drinking.

• 1:26:54Speaker 02

  Oh, that cut me deep.

• 1:26:55Caleb Hammer?

  Doesn't mean you're there forever, though.

• 1:26:57Speaker 02

  I will say he's pretty decent at it and he.

• 1:26:59Caleb Hammer?

  Now.

• 1:27:00Speaker 02

  No, I'm saying he, he makes good money doing it and he.

• 1:27:04Caleb Hammer?

  All it takes is a sunk loss fallacy, though. All he has to do is just take a major loss one day and he just spirals.

• 1:27:10Speaker 01

  But I'm not going on there and playing like blackjack and slots and stuff.

• 1:27:13Caleb Hammer?

  Until you're tempted to. I don't know. I'm just saying, be careful. That's all I'm saying. I'm not saying, oh, you're a bad person. I'm just saying, be careful. Okay, so the income that comes in $7,400. All right, minimum monthly debt payments. Let's get this. I'm gonna do this as a household like you guys should do and get married and actually be adults. My goodness.

• 1:27:31Speaker 02

  Do you have that person on their way to come marry us?

• 1:27:35Caleb Hammer?

  No, because your daughter.

• 1:27:38Speaker 02

  You guys can bring her.

• 1:27:39Caleb Hammer?

  Your daughter's here?

• 1:27:40Speaker 02

  No, you could ship her out.

• 1:27:43Caleb Hammer?

  Within 10 minutes?

• 1:27:46Caleb Hammer?

  Okay, your debt payments even still is crazy. One thousand five fifty-four, one thousand fifty-four dollars and ninety-one cents. Okay, and the mortgage is one thousand four hundred fifty-nine seventeen. What about utilities? Let's do water, gas, electric.

• 1:28:02Speaker 02

  That's on you.

• 1:28:03Speaker 01

  Uh, average, I would say three fifty a month.

• 1:28:07Caleb Hammer?

  For all that?

• 1:28:08Speaker 01

  Yeah.

• 1:28:08Caleb Hammer?

  Internet?

• 1:28:09Speaker 01

  Uh, seventy-two dollars a month.

• 1:28:12Caleb Hammer?

  Gas, vroom, vroom, drive, drive.

• 1:28:14Speaker 01

  Oh.

• 1:28:14Speaker 02

  I'm like two fifty.

• 1:28:16Speaker 01

  And I'm probably more like four or five hundred. I drive a lot for work.

• 1:28:21Speaker 02

  Do you get reimbursed?

• 1:28:22Speaker 01

  Uh.

• 1:28:23Caleb Hammer?

  Is that included in the income though that I had?

• 1:28:25Speaker 01

  No, or it, no, they pay my lease. So they, they don't, um, they don't give me anything like.

• 1:28:32Caleb Hammer?

  So seven fifty, okay, car assurances?

• 1:28:38Speaker 01

  Three sixty or, I almost said her car, car payment. It's four sixty-two.

• 1:28:45Caleb Hammer?

  For both?

• 1:28:46Speaker 01

  Yes.

• 1:28:49Caleb Hammer?

  Michigan, I think, does have the highest car insurance in the nation, though. Next therapy total, you and the guys, use the, the, the kit, uh, use the cookbook and the budgeting app. Okay.

• 1:29:02Speaker 02

  Could we do six hundred?

• 1:29:05Caleb Hammer?

  I was, I was, I was gonna do about seven.

• 1:29:07Speaker 02

  If.

• 1:29:08Speaker 01

  For groceries?

• 1:29:09Caleb Hammer?

  You guys go out to eat all the time.

• 1:29:10Speaker 02

  Well, because he needs to help make faster foods, because I'm not home half the time.

• 1:29:14Caleb Hammer?

  Seven hundred, you're meal prepping, that's really fast. You warm it up.

• 1:29:17Speaker 02

  No, I know, but I only have, I work six days a week sometimes.

• 1:29:21Caleb Hammer?

  Yeah, seven, they will be meal prepping, you're gonna learn to meal prep. I mean, this is what's gonna happen. It is time to grow up, seven hundred dollars. Uh, TP fund, anything else to survive, I'm gonna do two hundred dollars. This can be school stuff for kids as well. Something's gonna be less than a month, something's gonna be more. Medical healthcare, what is the co-pays for all this stuff and the cost of the therapy? All that, blah, blah, blah.

• 1:29:38Speaker 02

  Couples is three hundred a month. My, um, therapy is forty a month, and then our daughter has, um, like inhalers and stuff, so I, like eighty for all of our medicine.

• 1:29:49Caleb Hammer?

  Anything else?

• 1:29:50Speaker 02

  Um, I have a psychologist, but that's every three months and it's thirty bucks. So.

• 1:29:55Caleb Hammer?

  Yeah, I had ten.

• 1:29:55Speaker 02

  Okay.

• 1:29:56Caleb Hammer?

  All right, four thirty. Jim?

• 1:29:58Speaker 02

  I have, yeah.

• 1:29:59Caleb Hammer?

  How much?

• 1:30:00Speaker 02

  Um, thirty-six. Do you have yours?

• 1:30:02Speaker 01

  Yeah, twenty-five.

• 1:30:06Caleb Hammer?

  Sixty one, anything else?

• 1:30:09Speaker 02

  Um, sports. Our sports and our kids' sports.

• 1:30:13Caleb Hammer?

  That should be in the TP fund unless how much?

• 1:30:14Speaker 02

  It's not gonna fit in there.

• 1:30:16Caleb Hammer?

  How much?

• 1:30:17Speaker 02

  A lot.

• 1:30:17Caleb Hammer?

  How much?

• 1:30:18Speaker 01

  Our kid plays travel soccer.

• 1:30:20Caleb Hammer?

  How much?

• 1:30:21Speaker 02

  Um, so a month for hockey can range anywhere from two hundred to three hundred.

• 1:30:26Caleb Hammer?

  Soccer.

• 1:30:27Speaker 02

  And then soccer is a hundred.

• 1:30:28Caleb Hammer?

  A hundred to three hundred, you said?

• 1:30:30Speaker 02

  Two hundred to three hundred, depending on fundraising. And then soccer is a hundred. Um, and then us in the summer, I about like a hundred and twenty for three months. And what's yours?

• 1:30:40Speaker 01

  I don't pay for mine.

• 1:30:41Speaker 02

  Okay. And then we do.

• 1:30:43Caleb Hammer?

  Only in the summer.

• 1:30:44Speaker 02

  Well, we do indoor too, but I pay like nothing for that.

• 1:30:48Speaker 01

  Yeah.

• 1:30:49Caleb Hammer?

  Like nothing?

• 1:30:50Speaker 01

  We've been in in the.

• 1:30:52Caleb Hammer?

  I'll put three fifty. Now I'm gonna round it up to four hundred because of all the bull, four hundred.

• 1:30:56Speaker 02

  Oh crap, yeah, I have subscriptions too. I don't know if you.

• 1:30:59Caleb Hammer?

  No, you don't. You're canceling them.

• 1:31:01Speaker 02

  Uh, well, I don't know about that.

• 1:31:04Caleb Hammer?

  I do.

• 1:31:05Speaker 02

  Well, one of them I can't. It's my kid's band instrument.

• 1:31:07Caleb Hammer?

  So, okay, I don't know if that's a subscription. How much is that?

• 1:31:10Speaker 02

  I'm kind of.

• 1:31:11Caleb Hammer?

  How much is that?

• 1:31:11Speaker 02

  Thirty five.

• 1:31:12Caleb Hammer?

  Okay, that would be TP fund, but I'm lowering your.

• 1:31:14Speaker 02

  That's a lot in TP.

• 1:31:15Caleb Hammer?

  Huh?

• 1:31:16Speaker 02

  That's a lot.

• 1:31:17Caleb Hammer?

  Oh, yeah, I'm lowering.

• 1:31:18Speaker 02

  Besides TP.

• 1:31:19Caleb Hammer?

  I'm lowering your TP fund to a hundred fifty dollars a month. You're just gonna have to figure it out in budget like adults. And then I'm doing the sports separately at four hundred.

• 1:31:28Speaker 02

  Oh, okay. Sorry, I was panicking.

• 1:31:29Caleb Hammer?

  Well, we're gonna see if it works.

• 1:31:30Speaker 02

  It probably won't.

• 1:31:31Speaker 01

  Yeah.

• 1:31:31Caleb Hammer?

  And you're canceling all of the bull subscriptions you're canceling, the Netflix, all the crap.

• 1:31:36Speaker 02

  Well.

• 1:31:37Caleb Hammer?

  Oh, my. What?

• 1:31:38Speaker 02

  My kid doesn't have like any form of TV, so.

• 1:31:41Caleb Hammer?

  They have YouTube. They have YouTube, YouTube Kids. It's free.

• 1:31:45Speaker 02

  Does she have YouTube in her?

• 1:31:46Speaker 01

  So I can't watch Night Agent anymore?

• 1:31:49Caleb Hammer?

  It's a, no one knows what that is.

• 1:31:50Speaker 01

  Oh, it's a great show.

• 1:31:51Caleb Hammer?

  Well, no one knows what it is, so. Cause it's probably cable TV, which means nobody watches.

• 1:31:55Speaker 01

  No, it's on Netflix.

• 1:31:56Speaker 02

  Okay, well, I also have a sports, a subscription. For my kid.

• 1:32:00Caleb Hammer?

  I just did.

• 1:32:01Speaker 02

  For my kid, no, it's.

• 1:32:02Caleb Hammer?

  What? Now what?

• 1:32:03Speaker 02

  It's called Live Barn to watch hockey games.

• 1:32:05Caleb Hammer?

  How much?

• 1:32:06Speaker 02

  Uh, twenty two a month.

• 1:32:08Caleb Hammer?

  I'll give you guys fifty dollars for subscriptions and you figure out where that goes. How many young?

• 1:32:14Caleb Hammer?

  Pets that are healthy.

• 1:32:17Speaker 02

  Three.

• 1:32:18Caleb Hammer?

  Okay.

• 1:32:19Speaker 02

  Well, and one that's not ours, but three.

• 1:32:22Caleb Hammer?

  Are you gonna pay for the one that's not yours?

• 1:32:23Speaker 02

  No, we don't pay for that one.

• 1:32:24Caleb Hammer?

  So two?

• 1:32:25Speaker 02

  No.

• 1:32:26Speaker 01

  Three total that are ours.

• 1:32:28Speaker 02

  Three total are ours, the fourth is not ours.

• 1:32:29Caleb Hammer?

  Hundred twenty for pet insurance.

• 1:32:31Speaker 02

  Okay.

• 1:32:31Caleb Hammer?

  How much for pet food?

• 1:32:33Speaker 02

  Um, for the big dogs.

• 1:32:34Caleb Hammer?

  Across the board, give me how much.

• 1:32:36Speaker 02

  Let me do math. About one twenty.

• 1:32:38Speaker 01

  Oh.

• 1:32:39Speaker 02

  To one thirty a month.

• 1:32:41Caleb Hammer?

  I'll do one thirty.

• 1:32:43Speaker 02

  Two don't get food and the one got too much food because I messed up something.

• 1:32:47Caleb Hammer?

  Anything else that needs to be in this budget? Speak now.

• 1:32:51Speaker 02

  I can't remember. I don't think so.

• 1:32:53Speaker 01

  Do you have a Starbucks fund?

• 1:32:54Caleb Hammer?

  Fuck you. One thousand two hundred ten dollars of what you guys have left.

• 1:32:59Speaker 02

  Okay.

• 1:33:00Caleb Hammer?

  So if you guys actually team this up, my method is you guys team this up, actually get married with your daughter in attendance. And you guys start working at this together. That's how I would do it and that's the method that I'm gonna recommend. So removing the mortgage and the student loans. The bad debt that we're gonna collectively pay off, this doesn't mean you need a joint checking account. We're budgeting together though and we're funneling the money correctly. You have forty five thousand, two hundred eighty nine dollars of bad debt.

• 1:33:30Speaker 01

  Jesus Christ.

• 1:33:31Caleb Hammer?

  Yep, it's insane. I can't believe you guys have allowed this, but it's because you don't know how to act like adults with your money. One thousand two hundred, I'm giving you your subscription money and all that and sports money, so I'm not giving you any more fun money. And it's gonna take thirty six months to pay off, which is three years, just over three years. Let's call it, so three, three and a half to three and a quarter years to fully pay off all the bad debt, get a fully funded emergency fund. Room for flexibility, it's called four years. This will be a four year process. Four year process, get your pay raises, that helps. Pay raises, you get your pay raises, that helps. Work a second job, potentially, I don't know. There's things you can do, but either way, a four year process for decade, uh, over a decade of mistake making is actually not the worst.

• 1:34:12Speaker 01

  Yeah.

• 1:34:13Caleb Hammer?

  So these are the consequences of your actions. Time to stop being a fuck up, actually being an adult. Do this shit budget together, unite as a couple. Come on!

• 1:34:22Speaker 01

  Sounds a lot less fun, but.

• 1:34:24Caleb Hammer?

  It is a lot less fun. Sorry. You don't get to go other people when you're with someone. I apologize. Spending a budget zero out of 10. Yeah, guys, we're horrible. You spent an insane amount of money. Debt, no collections, which is good. The bad debt is bad. Combine you guys, it's not the most horrific, but it is still actually pretty horrific. Two out of 10. Emergency fund, you have cash.

• 1:34:49Speaker 01

  Yes.

• 1:34:50Speaker 02

  But that's our everything fund. That's our savings. That's our emergency. That's our, if we have a trip coming up. I don't like.

• 1:34:55Caleb Hammer?

  No, there's no trips.

• 1:34:56Speaker 02

  No, but.

• 1:34:57Caleb Hammer?

  No, there are no trips.

• 1:34:58Speaker 02

  But no, not voluntary. It's his, his work pays for it. So we would just.

• 1:35:02Caleb Hammer?

  Work regime.

• 1:35:03Speaker 02

  For the, to an extent.

• 1:35:04Caleb Hammer?

  Well, I'm not going to drain it, but you're going to take probably 5,000 of it. You're going to put it in a high yield emergency fund and throw 10,000 hours of debt.

• 1:35:15Caleb Hammer?

  Well, he will do that because he's going to man up. He's going to be a big boy.

• 1:35:18Speaker 01

  I don't want to do it.

• 1:35:19Caleb Hammer?

  No, you don't, but you're going to do what's right for your household and kid instead of being a little pussy.

• 1:35:25Speaker 01

  Oh, okay. So, uh, that leaves us with no, what if something happened?

• 1:35:30Caleb Hammer?

  Leaves you $5,000.

• 1:35:31Speaker 01

  Okay.

• 1:35:32Caleb Hammer?

  And it leaves you on the edge of your seat and it leaves you to grind this out. But guess what? $10,000 that pushes this process six months closer.

• 1:35:41Speaker 01

  Yeah.

• 1:35:41Caleb Hammer?

  It leaves you extra money left over on a monthly basis because that $10,000 is going to take care of one, two, three, maybe four, four loans, potentially four loans, which gives you all that extra minimum monthly payments that would be going towards them into your money. It snowballs the process. You guys will get, start getting out of debt. Also, her car, potential way to do it is, nah, nevermind. We can just pay it off. Well, we'll continue paying that off. Technically, we could save a couple thousand dollars if we downsize, but that's okay. So emergency fund with where we are, getting kind of close. It's not the worst, but we are going to drain it. I'm going to do a five out of 10 for that. Retirement, you're behind dramatically. Do you have a retirement?

• 1:36:26Speaker 02

  Kind of.

• 1:36:26Speaker 01

  She just started it.

• 1:36:27Speaker 02

  I have one at another job, but I don't know if they pull that out when you leave.

• 1:36:30Caleb Hammer?

  Retirement, two out of 10. No, they don't. You have to either roll it over.

• 1:36:34Speaker 02

  Oh, so.

• 1:36:35Caleb Hammer?

  Or cash it out if you did. How much was in it?

• 1:36:37Speaker 01

  Under $500.

• 1:36:39Caleb Hammer?

  Okay, two out of 10. Real estate, that part's the good part. Real estate, I'm very happy with. Um, you don't like the area, that part kinda sucks. Um, I'm a little stringent on my real estate score. Not everyone necessarily agrees with that, but for where you are with the equity position you have, I am going to give you a very strong and happy eight out of 10.

• 1:36:56Speaker 01

  Wow.

• 1:36:56Caleb Hammer?

  Cause there is still technically debt and risk there.

• 1:37:00Caleb Hammer?

  Seven out of 10.

• 1:37:01Speaker 02

  Oh.

• 1:37:02Speaker 01

  I like the eight better.

• 1:37:03Speaker 02

  You shouldn't have said wow, it pissed him off.

• 1:37:04Caleb Hammer?

  Plus two, plus seven, divided that by 50. Hammer financial score, for now, rounded up with the emergency fund cash, which is the stupid part, and the real estate, bringing you guys up to a three and a half out of 10. Guys, join us in the post show. It gets real wild back there talking about more private things, more extra confrontations and stuff. Join our YouTube membership, join elite for the best value of your dollar. There's thousands of hours of extra content and we upload almost every day of the week with that stuff. And you can even call in and talk to us in the call in show. Um, yeah. And don't forget to check out the simpler budget app and all of our educational classes that you can bundle together for 15% off. Love you guys. See you on the post show.

• 1:37:46Caleb Hammer?

  You are an O of girly. You're an O of girly. Trying to pay off debt via uh, with a kid. Oh, no wonder you're the original cheater.

• 1:37:56Speaker 02

  It was under his control, though.

• 1:37:57Caleb Hammer?

  You wanted your girl to start an O to pay off her debt.

• 1:38:01Speaker 01

  To pay off debt.

• 1:38:02Caleb Hammer?

  Stop, stop, stop, stop. You tried to get your girl to start an O to pay off her debt.

• 1:38:10Speaker 02

  Yeah, I had to be someone's girlfriend for a day and that was hell.

• 1:38:12Speaker 01

  That's what makes it worse is it was somebody I knew.

• 1:38:14Speaker 02

  Yeah.

• 1:38:16Caleb Hammer?

  To watch the financial audit post show, click the join button below.