I (almost) Gave Up.. | Financial Audit

🍿 ohhh nooo, this post show is *insane* - I call his wife and fully expose him... she legit thinks he only had $4k of debt... this marriage is over, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Build credit fast with 80% off the first month (that's just $1!) at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! 💳 Get $50 for signing up with Current! 💳Sign up for Current with my link and get a free $50 bonus when you receive a qualifying direct deposit: https://current.com/hammer Terms and conditions apply. See https://current.com/legal_disclaimers for details. ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $350 when you open a Chime® Checking account, and earn up to 3.75% APY on your savings: chime.com/calebhammer 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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• 0:55Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're the villain.

• 1:00Speaker 03

  I don't think about it that way.

• 1:01Caleb Hammer?

  You are the villain. You take all her money. You have kids. And yet, this is how the finances end up? You're the villain.

• 1:08Speaker 03

  But the bills get paid.

• 1:10Caleb Hammer?

  Oh, you're [BLEEP]. And you're smirking. Are you proud about this? This is insane. You affirm everything, yet you also blow all your money. Everything's easier. Why? That doesn't mean it's good.

• 1:18Speaker 03

  Because it breaks it down in payments.

• 1:19Caleb Hammer?

  Realistic [BLEEP] though with strong suction cup.

• 1:21Speaker 03

  See, I'm not all that bad. I'm complicated.

• 1:23Caleb Hammer?

  You're not complicated. Stop saying that. You are a moron. The tools to change your life have just been upgraded. Download my budgeting app, rebranded to Dollar Wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else. And I'll personally sign it and mail it directly to you. Download the Dollar Wise budgeting app today and take advantage of your free trial.

• 1:51Speaker 03

  Hi, I'm Eric, 27, from St. Paul, and this is Financial Audit.

• 1:56Caleb Hammer?

  St. Paul, Minnesota, right?

• 1:58Speaker 03

  Yes, indeed.

• 1:59Caleb Hammer?

  Beautiful. Thanks for coming down to Austin. Happy to have you here. What do you do up there for a living?

• 2:04Speaker 03

  Um, I just recently lost my job, but now I got a new job.

• 2:10Caleb Hammer?

  Well, why don't you tell me what that job is?

• 2:13Speaker 03

  Right. I work as a electrical technician per se.

• 2:18Speaker 04

  Yeah, I'm more a sanguinarian vampire in that I rely more on the life force energy per se.

• 2:23Caleb Hammer?

  Okay, cool. What do you make?

• 2:25Speaker 03

  What do I make? Um, I make just around, I think seventeen hundred a paycheck.

• 2:31Caleb Hammer?

  Seventeen hundred a paycheck is that twice a month?

• 2:33Speaker 03

  Yeah, twice a month bi-weekly.

• 2:35Caleb Hammer?

  So that's three thousand four hundred dollars a month. Now, I heard the Saint Paul area and all, you know, Minneapolis and whatnot, actually halfway decent city, even though it's in a miserable place that I would never live due to the horribly freezing cold and gray forever.

• 2:50Speaker 03

  But it's great.

• 2:52Caleb Hammer?

  Mm-hmm. So...

• 2:53Speaker 03

  It's cold year round. We like it.

• 2:55Caleb Hammer?

  How you living on this thirty-two? Cause I don't know the cost of living there. I'll be honest, as much. I know it's a place that many people are moving to, but...

• 3:01Speaker 03

  Um, it's not bad. It's twenty-six hundred a month for a house.

• 3:06Caleb Hammer?

  Not for your house?

• 3:07Speaker 03

  No, I rent a house, but it's twenty-six hundred for a four-bedroom house. Has a decent-sized property.

• 3:14Caleb Hammer?

  Okay, you're answering a question about a house. I'm asking how you doing?

• 3:18Speaker 03

  How am I doing?

• 3:19Caleb Hammer?

  There. How's the stretchin'?

• 3:20Speaker 03

  Um, not so great.

• 3:22Caleb Hammer?

  How are you living there on thirty-four hundred? How's life?

• 3:26Speaker 03

  Not so great. Hence why I'm here.

• 3:32Caleb Hammer?

  Hence why you're here. Let's turn this into a podcast where you give me more than a couple words.

• 3:38Speaker 03

  Um...

• 3:42Caleb Hammer?

  That's one sound. We are waiting to...

• 3:48Speaker 03

  Um, it's hard living there, honestly. I'm about thirty-four hundred dollars, cause I haven't gotten a paycheck yet, but recently...

• 3:53Caleb Hammer?

  Well, yeah, but thirty-four. Okay, what did you do? What was your job?

• 3:56Speaker 03

  What was my job? I was a chemical technician.

• 3:58Caleb Hammer?

  Very good. What were you making?

• 3:59Speaker 03

  Um, just shy about twelve hundred dollars bi-weekly.

• 4:03Caleb Hammer?

  So, very similar. So, this is, it's gonna be a very similar, well, yeah, okay, great. Actually, you're making more now.

• 4:10Speaker 03

  Way more, yeah.

• 4:10Caleb Hammer?

  Good. Well done. How are you doing there? Cause now you're able to translate, well, it's like a pay in about thirty-three percent. So you should know how you will be doing once the pay has hit your account.

• 4:21Speaker 03

  Right.

• 4:21Caleb Hammer?

  So tell me what it's like living there on this, on the finance show, where we talk about where people live on certain kind of money with their debts.

• 4:29Speaker 03

  It's going better, honestly.

• 4:31Caleb Hammer?

  Then what?

• 4:33Speaker 03

  Just paying everything off more and trying to snowball things down.

• 4:38Caleb Hammer?

  No, you're not. That's a literal lie, but okay. Or just ignorance to you not really understanding what's happening in your dollars. Okay, so I feel like I didn't really get an answer there, but maybe it just didn't lead you along. Maybe I'm not good at that. I don't know. Maybe that's your bad quality of not being able to answer questions or my bad quality not being able to ask them. I don't know. What's going on? What are we talking about today?

• 5:01Speaker 03

  Um, I am in debt, per se.

• 5:04Speaker 04

  I think it's time for us to feed, per se.

• 5:06Speaker 03

  My wife kind of forced me. Well, that's the story is my wife kind of led me into some debt. When we got married, I took on some of her debt, but it became my debt.

• 5:15Caleb Hammer?

  This is a lot of paper. This is as thick as you. This is big. This is big. You're saying this is all wife.

• 5:20Speaker 03

  Not all wife.

• 5:21Caleb Hammer?

  Then what the fuck are you talking about wife?

• 5:23Speaker 03

  Um, she needs things, so I put it on my own cards.

• 5:26Caleb Hammer?

  What does she need? What? Like new tits or are you saying a McDonald's purchase? Like, I don't know. Like, what, what quality are we on? Okay, she needs Timu?

• 5:34Speaker 03

  She doesn't need Timu.

• 5:35Caleb Hammer?

  Well, you just said she needs things.

• 5:37Speaker 03

  Well, she needs things like her books to read. She likes her Timu. She kind of likes to go out to eat sometimes.

• 5:44Caleb Hammer?

  Immediately went back to Timu. Okay. Yeah, she likes to go. Okay, so the needs, all I hear is books.

• 5:48Speaker 03

  Wants.

• 5:51Caleb Hammer?

  Well, you said books. I can vibe with books.

• 5:54Speaker 03

  Yeah, she reads every night.

• 5:55Caleb Hammer?

  Was that like 50 bucks a month, maybe?

• 5:57Speaker 03

  Uh, it's a hundred and twenty.

• 5:58Caleb Hammer?

  A hundred and twenty?

• 5:59Speaker 03

  A hundred and twenty.

• 6:00Caleb Hammer?

  That's why you're on this show with a document this thick, which is huge, by the way, woman, correct?

• 6:07Caleb Hammer?

  This is a lot of paper and that's because she spends a hundred fifty dollars a month on books?

• 6:11Speaker 03

  No, it's a lot of my negligence.

• 6:13Caleb Hammer?

  I'm gonna need a little, uh, that's not correct and tell me what's actually going on.

• 6:18Speaker 03

  Um, I'm in debt more or less because I have a spending habit of just buying things.

• 6:22Caleb Hammer?

  Now, why didn't you say that the first time?

• 6:25Speaker 03

  Cause it sounds more fun when my wife's in trouble, not me.

• 6:27Caleb Hammer?

  Does it? Or does it sound like an immediate deflection because you're not willing to accept that you are the problem? I don't want to go too hard on you out of the gate, big guy, but you're just, um, not really.

• 6:37Speaker 03

  Not grasping it.

• 6:38Caleb Hammer?

  Not really doing the podcasting thing very well. Uh, listen, I mean, I see a hundred thirty-three thousand, seven hundred, seventy-nine thousand, thirty-eight cents a debt.

• 6:47Speaker 03

  Sounds about right.

• 6:48Caleb Hammer?

  That's I spend?

• 6:51Caleb Hammer?

  That's I spend? That's my wife wants a book?

• 6:54Speaker 03

  No.

• 6:58Speaker 03

  Not just a book.

• 7:03Caleb Hammer?

  Okay, how long were you jobless? Cause maybe that would explain some of this.

• 7:07Speaker 03

  Um, just about six months.

• 7:08Caleb Hammer?

  Maybe I'll answer the questions for you. Okay, there we go. Now there's something. Six months.

• 7:13Speaker 03

  Six months unemployment. Waited just-

• 7:16Caleb Hammer?

  On unemployment?

• 7:17Speaker 03

  Oh yeah.

• 7:17Caleb Hammer?

  Okay, so you had supplemental coming in?

• 7:19Speaker 03

  I had supplemental income for about $530 a week, but-

• 7:23Caleb Hammer?

  It's not great, but that is $2,000 a month. And also what we're talking about is you were making 50 in every paycheck. So I mean, yeah, you had to cut about-

• 7:31Speaker 03

  Thirty of your habits.

• 7:32Caleb Hammer?

  Oh no, you're making 1,200 every paycheck. So really you got a $400 pay cut.

• 7:36Speaker 03

  Yeah, it was hard with kids as they grow up.

• 7:39Caleb Hammer?

  You can cut $400 from your life?

• 7:41Speaker 03

  $400 seems nice, but honestly, that's change.

• 7:45Caleb Hammer?

  Well, if you're unemployed and we're just in survival mode, you could cut $400 from our life, which was the difference between your previous pay. Seems easy. No, it doesn't. No, it's not about seeming easy. It's a number. As you get in the budget, you see where money is going. You see where you can cut. Okay, I'm looking at what I think is probably an unemployed month because you just started your job, right?

• 8:03Speaker 03

  Right, right.

• 8:04Caleb Hammer?

  Okay, good. Yeah. How much went going out to eat?

• 8:07Speaker 03

  I would say 2,200?

• 8:09Caleb Hammer?

  What the f-? How's it even consider- What are you laughing at?

• 8:13Speaker 03

  Oh, you know, because I know it's real.

• 8:15Caleb Hammer?

  How's that even considered remotely acceptable if you're on unemployment? And you're complaining that you can't live off that?

• 8:21Speaker 03

  Exactly.

• 8:22Caleb Hammer?

  2,000 hours a month. So you would spend over your unemployment on literally going out to eat?

• 8:26Speaker 03

  Yeah, sometimes.

• 8:30Caleb Hammer?

  How is that acceptable?

• 8:31Speaker 03

  Cause I like food. I mean, I'm chubby.

• 8:34Caleb Hammer?

  I know you like food. Chubby is an understatement.

• 8:37Speaker 03

  Understatement.

• 8:39Caleb Hammer?

  But we're not going down that path. I'm s- uh, d- tell me how it's acceptable. I like food is not an answer.

• 8:45Speaker 03

  Um, some nights when the kids want to go to bed early, we want to go and have some Taco Bell maybe late at night. But honestly, I think that's just a bad.

• 8:54Caleb Hammer?

  Escape and run to Taco Bell?

• 8:55Speaker 03

  No, DoorDash. That's the best part. It's free and easy almost. You get the dash pass?

• 9:01Caleb Hammer?

  Wait, can you explain how it's free and easy almost? That almost is carrying a lot of weight, almost like your chest.

• 9:07Speaker 03

  Yeah. The free part is

• 9:09Caleb Hammer?

  Me too.

• 9:10Speaker 03

  More or less the DoorDash part. You buy the pass and it's free delivery. Well, that's where they get me.

• 9:16Caleb Hammer?

  Yeah, but there's still the city charges and all the bullshit and all the tips and fees and death.

• 9:21Speaker 03

  But you don't think about that when you want food.

• 9:24Caleb Hammer?

  Well, I do when I'm budgeting and want money.

• 9:29Speaker 03

  But a lot of times I just don't look into it.

• 9:31Caleb Hammer?

  An income because that doesn't make sense to 2,000 hours a month. Course she does. That's not necessarily an answer. Look at you. Six months didn't have a job.

• 9:38Speaker 03

  Yeah, it's.

• 9:39Caleb Hammer?

  What's her job? What does she bring in?

• 9:41Speaker 03

  She's a teacher's aide and she brings in just about 1,600 a paycheck.

• 9:46Caleb Hammer?

  That's every other week.

• 9:47Speaker 03

  Every other week.

• 9:48Caleb Hammer?

  Very good. So 32. So we're talking a total of $6,600 a month. Okay, that would help supplement the literal insanity of going out to eat. I have to ask a question based on how much we're spending going out to eat. Is she also morbidly obese?

• 10:08Speaker 03

  No.

• 10:08Caleb Hammer?

  Really? You consider yourself?

• 10:11Speaker 03

  Yeah.

• 10:11Caleb Hammer?

  Okay. I have to ask that in qualification for what you're considering her. $1,517.08 going out to eat, which is insane, but the fact that you said more is just blows my mind. Like, it means nothing. Like, it means nothing. And you brought up kids as well.

• 10:26Speaker 03

  Right.

• 10:26Caleb Hammer?

  And that is deeply concerning if we're doing that while on unemployment. That basically covers your unemployment that was coming in. Like, what the are we doing? We're disgusting. What a disgusting thing to do with our finances. No offense as a father. How many kids we got? What are their ages?

• 10:40Speaker 03

  I got two kids. The first one is two years old and the second one is just about 10 months.

• 10:46Caleb Hammer?

  Oh, you're doing this? You're doing this while there's a 10-month-old?

• 10:50Speaker 03

  Mm-hmm. Yep.

• 10:53Caleb Hammer?

  And you're smirking. Are you proud about this? Like, what the? Then why do you continue doing it? Why do you consider this? Huh?

• 11:00Speaker 03

  Honestly, I don't know.

• 11:01Caleb Hammer?

  You don't know? Dude, try to take any element of self-reflection. Look back last month. Walk me through it. Cause what the?

• 11:10Speaker 03

  Um, last month?

• 11:14Speaker 03

  I had brain fart.

• 11:18Caleb Hammer?

  Of last month?

• 11:19Speaker 03

  Yeah.

• 11:19Caleb Hammer?

  Just look back, random day.

• 11:22Speaker 03

  Random day? Do you want a play by play?

• 11:25Caleb Hammer?

  I'm talking about you spending this money, man. I'm going out to eat while you have your kids.

• 11:30Speaker 03

  The work history is kind of hard with everything just going on with me.

• 11:34Caleb Hammer?

  The work is, I'm talking about you spending money on going out to eat. Are you here right now?

• 11:39Speaker 03

  I'm thinking about all the food.

• 11:40Caleb Hammer?

  Well, no, that's what I'm trying to get you to answer. So if you're thinking about the future, you should be able to answer. Just brought up work history. I don't give a about that right now when I ask about something different.

• 11:51Speaker 03

  Um.

• 11:53Speaker 03

  One second, I'm trying to think. What was it again?

• 11:57Caleb Hammer?

  Walk me through last month. You're spending 1,500 bucks. You say you don't know why you're doing it. I want some element of self-reflection of your instances of going out to eat and blowing your entire unemployment check on DoorDash.

• 12:09Speaker 03

  Well, if you're outdoor dashing all the time, you kind of have to eat while you're out driving.

• 12:13Caleb Hammer?

  Were you door dashing?

• 12:14Speaker 03

  Yeah.

• 12:15Caleb Hammer?

  But you have to eat, go out to eat while you're, so you order DoorDash to your car while you're parked in a parking lot waiting for a DoorDash? What are you talking about?

• 12:21Speaker 03

  Oh, yeah. That's basically real life. Yeah.

• 12:24Caleb Hammer?

  No, you didn't.

• 12:25Speaker 03

  That's real life.

• 12:26Caleb Hammer?

  You did not DoorDash to a parked car.

• 12:28Speaker 03

  Sometimes, yeah.

• 12:30Speaker 05

  There's a bubble. How do you know? Trust me, call Bennett.

• 12:33Speaker 03

  You gotta do what you gotta do when you're door dashing.

• 12:35Caleb Hammer?

  That is not what you gotta do. You're in a car. You're near the restaurants.

• 12:39Speaker 03

  Yeah, but if sometimes you're too lazy to get out of the car and you get another order.

• 12:43Caleb Hammer?

  What do you think a drive-through is?

• 12:45Speaker 03

  It's easier just to DoorDash it to your car?

• 12:47Caleb Hammer?

  Is it?

• 12:48Speaker 03

  Yeah.

• 12:48Caleb Hammer?

  Is it actually? Cause that is a much longer wait than you're already in the car near the restaurant waiting for an order.

• 12:55Speaker 03

  Right. So then you can play around on your phone and do other things.

• 12:57Caleb Hammer?

  Oh. Buddy, you're trying to pay the bills for your two kids, one being a 10-month-old. And you find this acceptable?

• 13:04Speaker 03

  Oh, yeah.

• 13:08Speaker 00

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

• 13:35Caleb Hammer?

  What the? What the? Dude, that's the craziest thing I've ever heard in my life. And reminder, literally about 10 minutes ago, you opened with, "My wife is bringing me into debt." You're door dashing to your car while you're door dashing.

• 13:52Speaker 03

  Right.

• 13:53Caleb Hammer?

  Which, by the way, a single door dash to your own car, you have to work, what, an hour and a half to even make that back?

• 13:58Speaker 03

  Just about almost two hours sometimes on a low day, on the weekend if more.

• 14:02Caleb Hammer?

  You're just fully admitting this, fully accepting this, dude. This is the most insane thing I've ever heard in my life.

• 14:07Speaker 03

  That's how you get in debt.

• 14:08Caleb Hammer?

  Yeah, not the wife, you tit.

• 14:11Speaker 03

  Yeah.

• 14:11Caleb Hammer?

  What did the drivers, the dashers think when they pulled up to your car? You're just sitting there.

• 14:17Speaker 03

  They do the same thing, more or less.

• 14:19Caleb Hammer?

  No, you, come on.

• 14:20Speaker 03

  They don't order to their own car, but they're more or less, "Okay, I just got paid, who cares?"

• 14:24Caleb Hammer?

  No, no, no, that is very different. That is very different. Yeah, go blow your money. That's a little different. Door dashing to your parked car while you're out there door dashing is insane. Insane. I've never heard of that. No one's ever heard of that. That is, I'm not gonna lie, the craziest thing I think I've ever heard on this show. I've seen crazy numbers. That's not a crazy number. I mean, you have crazy numbers. You have a fat stack of paperwork, that is for sure. But that might be the craziest thing I've ever heard someone do.

• 14:56Caleb Hammer?

  How frequently?

• 14:58Speaker 03

  It's only been a once or twice thing.

• 15:00Caleb Hammer?

  That's insane, dude. That is insane.

• 15:02Speaker 03

  Otherwise, that's door dashing it to your house late at night when the kids are trying to sleep.

• 15:07Caleb Hammer?

  So after running door dash all day, you would then spend enough, because then that was for your wife? Yeah, so that covered, what, five hours of dashing?

• 15:16Speaker 03

  Hmm.

• 15:16Caleb Hammer?

  So you have five hours to dash, you have three hours to dash, just so you and your wife could door dash to your house late at night?

• 15:23Speaker 03

  Yeah, you're tired.

• 15:24Caleb Hammer?

  You, yeah, but you're tired from the amount you have to work in order to order your door dash. That is an endless cycle. Yes, but this is a cycle that is easily breakable. That's not a pay advance cycle. That's not a payday loan cycle. That is a, don't order door dash one night and then you get to work three hours less the next day to maintain even.

• 15:43Speaker 03

  More or less maintain even, but go broke at the same time?

• 15:46Caleb Hammer?

  But you're going broke doing that regardless. But I'm saying, if we're talking about energy levels. You would be saving energy.

• 15:54Speaker 03

  Oh, yeah.

• 15:54Caleb Hammer?

  Oh, yeah.

• 15:56Speaker 03

  Oh, yeah.

• 15:56Caleb Hammer?

  And then he doesn't do the... Oh, no, you're not. What is this? What is this? You owe the government back pay for unemployment? What is this?

• 16:07Speaker 03

  When I was on unemployment.

• 16:08Caleb Hammer?

  Oh, yeah, it's an odd answer. Tell me.

• 16:11Speaker 03

  No, I have to pay back the government because they found me that I didn't put in a two-week notice. But when I left the job, they didn't take my two-week notice, so they brought me back to court. I had to quit a job for personal reasons. But I gave them a two-week notice, was willing to work the two weeks. But they didn't take that notice. They just told me to leave.

• 16:32Caleb Hammer?

  There are very few personal reasons where you can get on unemployment for quitting. Why the did you quit?

• 16:38Speaker 03

  Due to my child's health.

• 16:39Caleb Hammer?

  Okay, that's one of the valid reasons now. That's six... Yeah, but how would you afford to pay for the child's health? And what did you quitting achieve with the child's health? Because then you're just door dashing every day.

• 16:49Speaker 03

  Uh, nine times out of 10, every month like clockwork, my child would have asthma attacks and she'd be in the hospital for about two, three days at a time. She'd be on oxygen and all that.

• 17:00Caleb Hammer?

  And how has this been solved? I don't think it has. Has it been?

• 17:03Speaker 03

  Hasn't been solved per se, but she's on a new med that helps her.

• 17:06Caleb Hammer?

  This is the, this is the two-year-old.

• 17:09Speaker 03

  Yeah.

• 17:10Caleb Hammer?

  You said once a month?

• 17:12Speaker 03

  Once a month like clockwork, almost towards the end of the month.

• 17:14Caleb Hammer?

  Your employer wasn't willing to work with you on that?

• 17:16Speaker 03

  No. It was like a bottling factory. It was like a two, three-month job.

• 17:20Caleb Hammer?

  It was a contractor job.

• 17:21Speaker 03

  Yeah, basically.

• 17:22Caleb Hammer?

  You were, wait, you were contracted for a three-month period? You weren't, where do you?

• 17:25Speaker 03

  It was supposed to be a year and then hired on to see how you were.

• 17:29Caleb Hammer?

  And you got on unemployment from a contract-based job?

• 17:31Speaker 03

  Yeah.

• 17:31Caleb Hammer?

  One with a time end? You got on... That doesn't seem right.

• 17:37Speaker 03

  And that's why the state came back after me for it.

• 17:39Caleb Hammer?

  Good. I'm sorry for your child's health issue. It's not about that. It's about, uh, if you have a contract with a very clear end, and not only that, but you're quitting it, you don't get to qualify for what we're paying into where people usually get fired.

• 17:53Speaker 03

  I just thought unemployment benefits worked like that.

• 17:55Caleb Hammer?

  Well, again, the child health thing actually might be something that is valid under certain things. States have their own rules as well, for what it's worth. Minnesota, I don't know off the top of my head. But that is fair from the sounds of it, that you owe back. Well, how much do you owe back to the state?

• 18:09Speaker 03

  Uh, just about 7,000.

• 18:11Caleb Hammer?

  Oh! What? How much did you get in total?

• 18:15Speaker 03

  Uh, just about...

• 18:16Caleb Hammer?

  Do you owe everything back?

• 18:17Speaker 03

  Everything, every cent.

• 18:21Caleb Hammer?

  Oh! No, you are not. No, you are not.

• 18:29Speaker 03

  Yep.

• 18:30Caleb Hammer?

  That is insane. What the [__] is this? Owing the state of Minnesota money back while getting DoorDash ordered to your car while you're parked not working for DoorDash?

• 18:43Speaker 03

  Reality, huh?

• 18:45Caleb Hammer?

  Deserved reality.

• 18:47Speaker 03

  Oh, yeah.

• 18:47Caleb Hammer?

  But it [__] sucks because you have kids.

• 18:51Speaker 03

  Which makes it harder.

• 18:51Caleb Hammer?

  But that doesn't take away the fact that you abused the system.

• 18:57Speaker 03

  I wouldn't put it that way.

• 18:58Caleb Hammer?

  Well, how would you not?

• 19:00Speaker 03

  I gave him a two-week notice. It wasn't supposed to be on contract. It was supposed to be a 12-month contract.

• 19:06Caleb Hammer?

  That is contract.

• 19:08Speaker 03

  Yeah, it's kind of hard to say with that. The way that was written with contract and not a contract. Yeah.

• 19:16Speaker 03

  I don't know how to explain it. Yeah.

• 19:18Caleb Hammer?

  Any kind of coherent way would be beneficial.

• 19:23Caleb Hammer?

  So the government... Do they want it all at once, or?

• 19:27Speaker 03

  No, it's a plan.

• 19:28Caleb Hammer?

  Good.

• 19:28Speaker 03

  I still haven't set it up.

• 19:29Caleb Hammer?

  You haven't set it up!

• 19:31Speaker 03

  No, they give you 60 days to come up with a plan.

• 19:33Caleb Hammer?

  Oh, you [__]... You haven't even set it up. When did you hear about it the first?

• 19:39Speaker 03

  Uh, about a month ago.

• 19:41Caleb Hammer?

  Oh, you [__] [__]! Oh, dude, what have I walked into today?

• 19:47Speaker 03

  A cluster.

• 19:48Caleb Hammer?

  A cluster... A cluster from the audience. You're there. This is one of you. This world is crazy. This world is crazy. Calebhammer.com/apply, by the way, but what the [__]...

• 20:04Caleb Hammer?

  What the [__]...

• 20:08Caleb Hammer?

  Oh my goodness, I'm getting fed so many notes, mostly because you're not talking, but, um, his employment history is an issue. He had an amazing job out of college but quit because they asked him to do too much work? What is that? What is that? Tell me the [__] about that right now!

• 20:23Speaker 03

  I don't know what to say about it.

• 20:28Caleb Hammer?

  Uh, tell me literally anything, the job and what was considered too much work and what was the pay? What the you think I would wanna know?

• 20:37Speaker 03

  Course you wanna know everything.

• 20:38Caleb Hammer?

  So tell me!

• 20:40Speaker 03

  Well, it's hard to describe how you go from a job making X amount.

• 20:43Caleb Hammer?

  What was the job that made X amount and what was X amount?

• 20:48Speaker 03

  I used to be a pipe engineer making a hundred and twenty thousand a year and had everything.

• 20:54Speaker 03

  And then one day-

• 20:54Caleb Hammer?

  Did you got that right out of high school?

• 20:56Speaker 03

  Yeah, right out of college.

• 20:57Caleb Hammer?

  How long did you do that? Oh, college, sorry. How long did you do that for?

• 21:00Speaker 03

  Just under three years.

• 21:01Caleb Hammer?

  And what was the, they asked me too much?

• 21:04Speaker 03

  They asked too much of me to move to Kansas, just up and leave within two weeks, right after having the first kid. It's not like you can just up and move everything for like daycare and whatnot.

• 21:13Caleb Hammer?

  But you kinda can when it comes to your entirely livelihood. People do it all the time. I'm not saying it's wonderful, yay yay yay, let's go, but yes, people do that.

• 21:21Speaker 03

  It's just hard to move with kids.

• 21:24Caleb Hammer?

  This wasn't a kid that was settled into any kinda daycare. Is family there?

• 21:27Speaker 03

  Family's in Minnesota. No, I have nothing out of Minnesota.

• 21:31Caleb Hammer?

  In St. Paul?

• 21:33Speaker 03

  Yeah.

• 21:34Caleb Hammer?

  That was a very delayed yeah.

• 21:38Speaker 03

  Yeah, I got family in St. Paul, but it's hard to move to Kansas.

• 21:40Caleb Hammer?

  The close family?

• 21:41Speaker 03

  The close family? Well, I would only consider two people close.

• 21:45Caleb Hammer?

  Uh, uh, what are they?

• 21:46Speaker 03

  Mother.

• 21:49Speaker 03

  Sometimes stepdad.

• 21:53Speaker 03

  Yeah, father's side is kinda not there.

• 21:54Caleb Hammer?

  Okay, now that would be a reason. Why did I have to come up with it for you? My gosh, why couldn't you just tell me that? Oh, okay. Whew, this is gonna be one of the days where this is a hard job.

• 22:07Caleb Hammer?

  Okay. I have to like find the answers for you, cuz that's a relatively valid reason for wanting to stay there with a newborn, to keep them near the grandparents.

• 22:16Speaker 03

  Yeah.

• 22:18Speaker 03

  It's kinda hard. I just don't wanna up and move my kids, that's the problem.

• 22:22Caleb Hammer?

  I get it. I get it. Now, that's not asking to do too much. That's asking for a big move. Now, people do this all the time, though.

• 22:31Speaker 03

  Yeah, but I assume that they move first and then they would bring their kids and move their whole livelihood down to another place.

• 22:37Caleb Hammer?

  That's more like immigration from another country. That's not moving to Kansas.

• 22:43Speaker 03

  Well, with the newborn-

• 22:44Caleb Hammer?

  From Minnesota.

• 22:45Speaker 03

  You would think it would be harder with the newborn.

• 22:47Caleb Hammer?

  Potentially. I'm not saying it's easy, but people do this.

• 22:53Caleb Hammer?

  Okay.

• 22:58Speaker 03

  It's not good, is it?

• 22:59Caleb Hammer?

  Uh, it's not great, buddy. Your entire everything is not great.

• 23:06Speaker 03

  It's not great.

• 23:07Caleb Hammer?

  Glad we could agree.

• 23:09Speaker 03

  On something.

• 23:11Caleb Hammer?

  So you quit that job. Because of the asthma thing. But didn't really hundred percent need to, you're kind of showing because you went back to work and you're door dashing constantly. So that didn't really make sense to me. Then you frauded the government.

• 23:28Speaker 03

  I wouldn't call it frauded.

• 23:29Caleb Hammer?

  Well, they did, and that's why you go back.

• 23:30Speaker 03

  Hmm, they more or less petitioned me to go to court and figure it out, but I wouldn't say frauded.

• 23:37Caleb Hammer?

  Why do you think it was in court, dude?

• 23:39Speaker 03

  Cause they just want me to pay the money back. It's a legal thing.

• 23:41Caleb Hammer?

  And why would they want that, dude?

• 23:43Speaker 03

  Cause the employer feels like they got ripped off, but honestly, in there, there was somewhere in that clause that I could claim unemployment.

• 23:50Caleb Hammer?

  And who won?

• 23:51Speaker 03

  I initially won. That's why I was on it.

• 23:54Caleb Hammer?

  But one in the end, you know, the one that matters?

• 23:56Speaker 03

  The employer, honestly.

• 23:58Caleb Hammer?

  Yeah, yeah, yeah, yeah, they did. They did. Dude, what the? I mean, that's just it. And it was settled by court, right?

• 24:06Speaker 03

  Yep.

• 24:06Caleb Hammer?

  Well, there you go. This wasn't even a mutual agreement between you and the employer. So that's it. You okay? You your choice, your fraud.

• 24:25Caleb Hammer?

  I mean, Colton told me you were ranting to him that you lost on a technicality.

• 24:29Speaker 03

  That's technically a technicality. In my books.

• 24:33Caleb Hammer?

  But that's it. That was the contract.

• 24:36Speaker 00

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

• 25:01Speaker 03

  Yeah, but when you think about it, the contract, when you think about the contract, it states in there that you can claim unemployment if you give them two weeks' notice.

• 25:10Caleb Hammer?

  And the court said?

• 25:11Speaker 03

  No.

• 25:12Caleb Hammer?

  Buddy, I don't even know. This is so much paperwork. We gotta get into the finances. Oh, especially since they'll answer questions better than you.

• 25:21Caleb Hammer?

  But first, we know what came in. Am I looking at the joint house? The whole house?

• 25:25Speaker 03

  Nope, that's just me.

• 25:26Caleb Hammer?

  This is just you?

• 25:27Speaker 03

  My wife didn't want to be a part of it.

• 25:29Caleb Hammer?

  So her paperwork's not in here?

• 25:31Speaker 03

  That's none of her stuff.

• 25:32Caleb Hammer?

  So I have to cross out her 3200?

• 25:35Speaker 03

  Yup.

• 25:35Caleb Hammer?

  So it's sort of, oh! How much was spent last month? What was the outflow? We know the inflow. What was the outflow? Outflow includes everything that's outflow. What was the outflow B? We know inflow. We know inflow. We know inflow. How much was outflow?

• 25:49Speaker 03

  I would probably say 9,000?

• 25:51Caleb Hammer?

  News flash: It has been over 16 years since the federal minimum wage was raised to 7,025 cents, and company productivity has doubled while our wallets have not. And let's be honest for a second, it feels like the system is broken, and we all deserve to be able to get an apartment, house, or car, just like our parents could. But to do that, you need to have good credit. And that is why I want to put you on to today's sponsor, Kickoff. There's no credit check, no interest, no hidden fees, just a ridiculously easy way to start building credit with on-time payments and plans starting at just five bucks a month. For your first month, start building credit immediately for as little as $1. And whether you're starting from scratch or making a comeback, this is built for you. People with credit under 600 saw an average increase of 84 points in one year just by paying on time.

• 26:37Caleb Hammer?

  And I've said it before, credit can be the difference between moving forward and being stuck. Kickoff makes moving forward stupid simple. Start building credit with Kickoff today and get your first month for as little as $1. That is 80% off the normal price when you go to getkikoff.com/khaleb today. That is kickoff without the C. Get K-I-K-O-F-F.com/khaleb. Grab your [bleep] tits, dude. It's $10,892.78, but why would $9,000 be considered anywhere near acceptable for a father of two children, one being under a year old? Why the [bleep] you give me that answer?

• 27:16Speaker 03

  I don't know, honestly, bills get to be a lot with kids.

• 27:19Caleb Hammer?

  What are the bills? What are the bills? What's $9,000? $10,900 specifically? What is that? How does that life end up being that? Can you tell me, please?

• 27:27Speaker 03

  There's some medical bills for her that I put on a firm.

• 27:30Caleb Hammer?

  What the [__] are we doing? Dude, I saw $1,500 going out to eat.

• 27:36Caleb Hammer?

  We all saw that, right? Did we all hear that? And you immediately go to the medical bills? No?

• 27:40Speaker 03

  Nope. Food's never on my mind. I just like eating.

• 27:43Caleb Hammer?

  But I think food's always on your mind.

• 27:45Speaker 03

  Oh, yeah.

• 27:45Caleb Hammer?

  Debt payments-

• 27:46Speaker 03

  Well, you don't get tits for no reason.

• 27:47Caleb Hammer?

  No [__]. Debt payments net were $776, so [__] you. It was putting them on a firm. You spent double your net debt payments to go out to [__] eat!

• 27:58Speaker 03

  You gotta pay the bills somehow.

• 27:59Caleb Hammer?

  You! Not even the household! You! You! Just you!

• 28:05Speaker 03

  Yep. I... I don't know what else to say on that. That's just me. I think about food and I eat it and I'm done. That's it.

• 28:12Caleb Hammer?

  But it's not even the household!

• 28:14Speaker 03

  No.

• 28:15Caleb Hammer?

  It's not even the [__] household! Not me, not Marini, you! It's all you, dude! This [__] you! This spending! $11,000! Are you gonna blame the kids next?

• 28:27Speaker 03

  No, they're innocent. They don't even know how to talk yet.

• 28:31Caleb Hammer?

  Two-year-old can't talk?

• 28:32Speaker 03

  She can somewhat talk. About three years old, they can start fully talking. Two-year-old, they start learning words and sentences.

• 28:40Caleb Hammer?

  I saw these [__] and additional $600, so we're talking like $600 or $700 there. Unknown spending. We don't even know what this is. We're gonna find out. This is usually Amazon, Walmart, probably [__] you. Uh, $2,000, dude, this is insane! This is insane! In every measurable way possible, this is insane.

• 28:55Speaker 03

  And that's why I'm here.

• 29:00Caleb Hammer?

  That's why I'm here. Yep, ding ding ding, ring the bell, celebrate, woo! There's confetti falling that the editor put in. I'm glad we hit it. Well done, that's why you're here. No [__]. I just like, listen. That's why you're here for me to tell you did 11? 11? 11? Big guy, do you budget? Is there anything? Is there any indication of any semblance of attempting to do anything here?

• 29:24Speaker 03

  I wouldn't say I budget, but I put down in my notes on this app. I have everything laid out, how much it is and where it goes.

• 29:30Caleb Hammer?

  The notes on this app?

• 29:31Speaker 03

  Yeah, I have an app that tells me where all my bills go and how much it is. So I kinda know roughly where I'm going.

• 29:37Caleb Hammer?

  Why not just use the budgeting app?

• 29:38Speaker 03

  It's not a budgeting app.

• 29:40Caleb Hammer?

  But that would be better.

• 29:41Speaker 03

  Budget on it, but realistically, I don't even know how to use a budget, clearly.

• 29:44Caleb Hammer?

  Oh, for fuck's sake, I'll put you through the budgeting class. What the? That's insane.

• 29:53Caleb Hammer?

  What do you think your score is? Zero to 10, zero being the worst, 10 being the best, your finance score. What do you think?

• 29:57Speaker 03

  Negative five.

• 29:58Caleb Hammer?

  That's not an option, so I'm gonna assume zero.

• 30:00Speaker 03

  I'd say zero.

• 30:01Caleb Hammer?

  Yeah, it sounds about right so far. If you wanna see where you stand in the world of finances, take the Hammer Financial Score Assessment. See where you're doing really bad, where you're doing great. It is free at CalebHammer.com. And if you don't wanna be like a guest who ends up on the show, make sure you sign up for the Dollar Wise Budgeting App. It is my preferred budgeting app. That is the one I use on a daily basis. Sign up for that free trial if you like it. You can save a lot of money by signing up for the annual version, and when you do, I will personally sign my budget-friendly cookbook that is going away in just a couple of months and that'll no longer be available. I'll sign it, mail it directly to you. DollarWise.com, learn more there. Link's in the description as well.

• 30:40Caleb Hammer?

  Okay, we gotta get into this, cuz this is, this is, I have a checking account first, which...

• 30:45Speaker 03

  Not pretty, is it?

• 30:46Caleb Hammer?

  I don't even, I never start with checking accounts, so that means there, this is something special. That means this is something special. It starts with debt, always.

• 30:56Speaker 03

  As I say negative, I'm currently negative in that account.

• 30:59Caleb Hammer?

  Negative what?

• 31:00Speaker 03

  Um, anywhere from $200 to $300.

• 31:02Caleb Hammer?

  Negative what? Right now, you've...

• 31:03Speaker 03

  Negative $255 and some odd cents. As some automatic bills came through and I still don't have a paycheck.

• 31:11Caleb Hammer?

  Oh. Oh, then you're grinding on the dash and not dashing. I don't have a paycheck, so you're not spending $1,500 going out to eat it. Is it as easy as that? Is it as easy as that? There is, there's, it's not even a question. It's not even a fucking question. You've, you tit, you absolute tit. Dude, no, it's not even a question. If you can't pay your fucking bills, you're not going out to eat your shit.

• 31:39Speaker 03

  You would think it's that easy.

• 31:40Caleb Hammer?

  It is, it is, it is. As a fat fuck to a fat fuck, it is. It is. It is.

• 31:48Speaker 03

  A lot of times you get home late, it's hard to book.

• 31:51Caleb Hammer?

  How many hours a week are you freaking on DoorDash? You ten, a day, a day, a day? What are your hours working DoorDash a day?

• 31:59Speaker 03

  A day, probably ten?

• 32:01Caleb Hammer?

  No, you doubt. You're sitting in a parking lot ordering DoorDash to your car. You ten.

• 32:07Speaker 03

  Well, it's ten hours.

• 32:08Caleb Hammer?

  Ten hours of getting back late? What are you on?

• 32:11Speaker 03

  Maybe seven.

• 32:12Caleb Hammer?

  Oh, no.

• 32:12Speaker 03

  Actually running orders.

• 32:13Caleb Hammer?

  Seven PM, two hours after five, guys, we got back so late. You're framing this as you got home at midnight after the grind at the factory.

• 32:21Speaker 03

  This is just on the weekends now that I have a job. When I was out there.

• 32:24Caleb Hammer?

  And what time do you get home from the job?

• 32:26Speaker 03

  About five o'clock.

• 32:27Caleb Hammer?

  Oh, so late, traumatic. You're almost dead. You're so, what a sympathetic message. Oh, no, I get home at five, when most people are getting off, by the way. You.

• 32:39Caleb Hammer?

  Oh.

• 32:41Caleb Hammer?

  Oh, oh, I'm gonna be such a dick this episode. Oh, you are. Oh, what an animal. Yeah, you started with negative twenty-two, now you're negative five hundred fifty. Ha, ha, ha.

• 32:55Caleb Hammer?

  I don't even know.

• 32:56Speaker 03

  It's hard to comprehend.

• 32:58Caleb Hammer?

  It's, it's not. It's just like your, your existence is insane in that you're just excusing it with, I got home late at five PM.

• 33:07Caleb Hammer?

  Makes me wanna die. It's not hard to comprehend. It's miserable.

• 33:13Caleb Hammer?

  What do you do when the account's negative?

• 33:15Speaker 03

  Uh, you hope you get some money.

• 33:17Caleb Hammer?

  And how do you get that money?

• 33:18Speaker 03

  Either go DoorDash, or you go work a side job, helping some people out, weed their garden or something.

• 33:23Caleb Hammer?

  Or I'll tell you what actually happens. You rely on your wife to pull the account with the negative with your paycheck, with her paycheck.

• 33:30Speaker 03

  More or less.

• 33:31Caleb Hammer?

  Yeah, relying on the wifey, which honestly, we should be doing in a joint checking account anyway, so I don't, but it's weird that you have to pull from your wife. It was like a roommate glorified, that you stick it in.

• 33:40Speaker 03

  But I don't want a joint checkbook, cuz then she goes in there and probably would take money that I'm out doing stuff with.

• 33:49Caleb Hammer?

  That you're out doing stuff with? What are you out doing stuff with?

• 33:53Speaker 03

  Paying the bills, going and probably door dashing, eating out, maybe going buying the groceries.

• 33:59Caleb Hammer?

  And you're opposed to that? Her seeing that? Her... Because she'd be contributing 32.

• 34:04Speaker 03

  It's just more complicated with the whole budget that I don't have.

• 34:07Caleb Hammer?

  Well, then it's not complicated because you'd be building it from fresh. You're not changing something that already exists.

• 34:11Speaker 03

  But it would complicate how I go and pay all the bills and where it goes.

• 34:15Caleb Hammer?

  How you pay your bills? This is more money. Put it in a pile. There should be one bills.

• 34:18Speaker 03

  Yeah, I wish I could say that.

• 34:20Caleb Hammer?

  Why can't you?

• 34:21Speaker 03

  Because all the bills are technically all in my name. She only has two cards.

• 34:25Caleb Hammer?

  It doesn't matter whose name it is. We're married. We're in a partnership. They're all our bills.

• 34:31Speaker 03

  Yeah, I just take control of the finances and kind of wrong dude.

• 34:35Caleb Hammer?

  But you're negative $550. How can you take control of the finances? You can't take control of anything.

• 34:41Caleb Hammer?

  Do you not trust her?

• 34:42Speaker 03

  Not with the bills, no.

• 34:44Caleb Hammer?

  No, not with the bills. You can still pay the bills from the joint checking account. Do you not trust her to be joint?

• 34:48Speaker 03

  No, I don't trust her with the money at all.

• 34:50Caleb Hammer?

  Why? Why?

• 34:51Speaker 03

  Well, because when she was married to me, she actually was in debt and I was actually free and clear. Well, she's married to me.

• 34:58Caleb Hammer?

  Roll that back.

• 34:59Speaker 03

  No, I don't trust her with the money at all.

• 35:00Caleb Hammer?

  Why? Why?

• 35:01Speaker 03

  Well, because when she was married to me, she actually was in debt.

• 35:06Caleb Hammer?

  Okay, you just said when she was married to me.

• 35:09Speaker 03

  When she is married to me, technically I'm trying to...

• 35:12Caleb Hammer?

  When she is married to me? Is she not right now, but she's gonna be soon? I'm so confused.

• 35:16Speaker 03

  She's married to me.

• 35:17Caleb Hammer?

  Why do you have to qualify with that? I'm so confused. What are you trying to say?

• 35:20Speaker 03

  I'm not trusting her with the bills.

• 35:22Caleb Hammer?

  Why?

• 35:23Speaker 03

  Because I have control issues with that. I used to be debt free, she wasn't, and now it's flipped.

• 35:29Caleb Hammer?

  Yeah, when were you debt free?

• 35:31Speaker 03

  I actually in college.

• 35:32Caleb Hammer?

  Okay, dude, I'm a big guy. Oh, hold on. You're 27, okay.

• 35:39Caleb Hammer?

  I was thinking 35. Gotcha.

• 35:41Speaker 03

  It'll get better.

• 35:41Caleb Hammer?

  Well, what?

• 35:42Speaker 03

  As time goes on.

• 35:44Caleb Hammer?

  How? It gets worse for many when you're on this path.

• 35:48Speaker 03

  I mean, once you get in your 30s, don't they say everything gets better?

• 35:51Caleb Hammer?

  Colton Lindsay, do they?

• 35:57Caleb Hammer?

  We don't know. We just turned thirty.

• 35:59Speaker 03

  Unconcluded, right?

• 36:03Speaker 03

  Yes, my life is complicated.

• 36:04Caleb Hammer?

  No, it's... You're being a dumbass and you're not willing to be a partner with your wife.

• 36:11Speaker 03

  There's time to fix it.

• 36:11Caleb Hammer?

  No, but you're not willing to partner with your wife. There's no time to fix it if you're not willing to do something. That's done.

• 36:17Speaker 03

  But when she gets her paycheck, I just take it and I pay the bills. And when my paycheck comes in, I pay it also.

• 36:21Caleb Hammer?

  You take it?

• 36:23Speaker 03

  Yeah, I pay off her truck and all her bills.

• 36:27Speaker 03

  She doesn't have many bills. I say bills, meaning two.

• 36:31Caleb Hammer?

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

• 37:16Caleb Hammer?

  like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go!

• 37:34Speaker 03

  She has two cards and a truck.

• 37:35Caleb Hammer?

  Does she have money?

• 37:37Speaker 03

  Yeah, her paycheck.

• 37:38Caleb Hammer?

  When you take her money? No, you said you'd take it.

• 37:40Speaker 03

  Yeah, I give her about thirty percent of it.

• 37:42Caleb Hammer?

  You tax seventy?

• 37:44Speaker 03

  Mm-hmm.

• 37:46Speaker 03

  Pay all the bills.

• 37:46Caleb Hammer?

  What the? Are you guys trad? Traditional?

• 37:50Speaker 03

  Yeah.

• 37:51Caleb Hammer?

  She's okay with this?

• 37:52Speaker 03

  Yeah.

• 37:54Speaker 03

  That's just how we agreed upon doing all these.

• 37:56Caleb Hammer?

  I need to call her on the post show. This is insane. That feels so controlling and weird.

• 38:02Speaker 03

  Some would say it's controlling, but some.

• 38:04Caleb Hammer?

  I just did.

• 38:05Speaker 03

  Well, me, I think it's come kinda normal in how I do it.

• 38:11Speaker 03

  I'm a control freak. I can't say anything different.

• 38:13Caleb Hammer?

  You saying, if you're defining yourself and you have to use the word freak, I don't think that's considered normal.

• 38:19Speaker 03

  To me, it's normal in my mind.

• 38:21Caleb Hammer?

  To the, yes, it is.

• 38:23Speaker 03

  I pay all the bills that get paid and if it goes negative, it goes negative. You gotta live somehow. You don't wanna be late on your bills. So if it goes in your account and it gets negative, well, money comes in, it comes in and helps.

• 38:34Caleb Hammer?

  Dude, to the drug addict, it's normal to sleep on the street. That doesn't mean it's good and normal.

• 38:43Caleb Hammer?

  Okay, no reflection, apparently. Gotcha.

• 38:50Caleb Hammer?

  But you were blaming her for her Timo. Well, on her 30%, when you take 70? That's the problem?

• 38:57Speaker 03

  Have more money to pay off more bills.

• 38:59Caleb Hammer?

  You mean more money that you take?

• 39:01Speaker 03

  To pay off more of bills.

• 39:02Caleb Hammer?

  Bills that you got into.

• 39:04Speaker 03

  Yeah.

• 39:07Speaker 03

  But it's a joint effort when you eat DoorDash at night. It's not just for me.

• 39:11Caleb Hammer?

  So that's the joint effort. When it comes to the, the, the, uh, the spending on the things you wanted to join effort, when it comes to taking care of responsibility and paying bills, it's a control freak.

• 39:22Caleb Hammer?

  Yes, okay.

• 39:25Caleb Hammer?

  Affirm, affirms a hundred dollars, a hundred dollars. Apple cash that on a hundred twenty dollars. Amazon, Amazon two hundred sixteen there, then fifty two. McDonald's twenty four, Amazon eighty five. What the? The Zellin out a hundred fifty. Subway, Kindle, Perkins restaurant, fifty bucks. Liang Chen.

• 39:47Speaker 03

  Love me some chicken.

• 39:48Caleb Hammer?

  Three hundred. Huh?

• 39:49Speaker 03

  Love me some chicken from there.

• 39:50Caleb Hammer?

  Yeah, you're really on a diet. ATM withdrawal, a hundred dollars, going in and getting some bullshit. What are you stopping in at the gas store?

• 39:57Speaker 03

  It's normally just gas.

• 39:58Caleb Hammer?

  No, that's, you are not getting four dollars and seventy three cents of gas.

• 40:01Speaker 03

  My Camry does. It's only an eight gallon tank, so sometimes when I top it off, it is only four dollars.

• 40:06Caleb Hammer?

  You're not stopping in and getting some bebs.

• 40:08Speaker 03

  No. Maybe a candy bar, but that's about it.

• 40:12Caleb Hammer?

  A candy bar?

• 40:12Speaker 03

  But a lot of times it is just gas for about five, six bucks. On the bigger side, it's probably her truck.

• 40:18Caleb Hammer?

  Creature. Holiday, Panera Bread, McDonald's, Taco Bell, ATM withdrawal, $500, where'd that go?

• 40:26Speaker 03

  Up and vanished for bills.

• 40:27Caleb Hammer?

  ATM withdrawal?

• 40:29Speaker 03

  Well, that's kind of Apple cash going into my checkbook.

• 40:31Caleb Hammer?

  That wasn't Apple cash.

• 40:34Caleb Hammer?

  I see Apple cash and I comment on Apple cash.

• 40:36Speaker 03

  ATM withdrawal.

• 40:37Caleb Hammer?

  ATM withdrawal.

• 40:39Speaker 03

  Hmm.

• 40:42Speaker 03

  I don't remember about that one.

• 40:44Caleb Hammer?

  Famous footwear, $135. Um, that one actually might be gas after that for 1520. Chick-fil-A, Perkins Restaurant again, Applebee's. You're a neighborhood guy, aren't you?

• 40:56Speaker 03

  Heck, yeah. I love me food.

• 40:59Caleb Hammer?

  We've established that. Zellin out 10, DoorDash, you Taco Bell, McDonald's, Rosemount, Car something.

• 41:07Speaker 03

  Probably a car wash.

• 41:08Caleb Hammer?

  Cars should fuck you. You're in Minnesota and it's not winter yet. If it's winter with the ice, I will consider it. Huh?

• 41:14Speaker 03

  It gets dirty.

• 41:15Caleb Hammer?

  Oh, fuck off, dude. It is, it is, it's Minneapolis!

• 41:19Speaker 03

  The roads are still disgusting.

• 41:21Caleb Hammer?

  Oh, shut up. You don't need a car wash yet. Dump a bucket of water on your car, call it good. Fuck off. Culvers, Taco Bell. Zellin out $350. Panera Bread, Burger King, McDonald's, Chick-fil-, this is insane. Arby's, Orland Subway, ATM withdrawal, $126, Cooper Whiskey, In-N-Out. They have In-N-Out there? It made it there?

• 41:45Speaker 03

  No, I went for a bowling tournament in Vegas.

• 41:50Speaker 03

  I had to try In-N-Out.

• 41:52Caleb Hammer?

  Very disappointing, right?

• 41:53Speaker 03

  I mean, I should be, but I'm not.

• 41:55Caleb Hammer?

  No, In-N-Out, very disappointing, right?

• 41:57Speaker 03

  I mean, I like it. It's not that good.

• 42:00Caleb Hammer?

  Oh, well.

• 42:00Speaker 03

  That's what I mean to say. It's not that great.

• 42:03Caleb Hammer?

  Pieces of information. I, I, I love when I very much enjoy things and say it's not that good.

• 42:11Speaker 03

  Eh, it tastes good at first and then it's kind of just like McDonald's, it's bleh.

• 42:16Caleb Hammer?

  Don't shit on McDonald's like that.

• 42:19Speaker 03

  Honestly, McDonald's is not that good.

• 42:21Caleb Hammer?

  You are a fake fat.

• 42:24Speaker 03

  I'd rather have Chick-fil-A.

• 42:26Caleb Hammer?

  Chick-fil-A is great, too. Let's not pretend you're doing it for caloric reasons. In and out, in and out. The Orlands again. Mickey Fins Fish, Zellingout10, Cooper Whiskey. Car Wash Again, Orland Subway Copper Whiskey. In and Out Cinemark! For someone that In-N-Out sounds that good, you have been a few times all in one month. Going into the movie theater, fuck you. Stop. You were not getting $3.51 in gas from Circle K. I do not believe that for a single moment. That is a candy bar. You're stopping in and getting the $3.51 in a candy bar? The candy bar are you getting for $3.51? That's an insane candy bar.

• 43:01Speaker 03

  It's the king-size Three Musketeer. You can't go wrong with two steps.

• 43:04Caleb Hammer?

  For $3.51?

• 43:07Speaker 03

  Yeah, that's how much they cost.

• 43:08Caleb Hammer?

  That's insane. Buy a fuck bulk. But dude, I can walk into HEB right now, our grocery store down here, and get a $5 pack of candy and have unlimited mini Milky Ways, but it's so much more than a king-size. Why do you refuse to buy in bulk?

• 43:22Speaker 03

  Because it costs more. It's cheaper to buy just a singler.

• 43:25Caleb Hammer?

  What? I'm gonna fuck die. I'm gonna fuck die. I'm gonna fuck die this-

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• 43:59Caleb Hammer?

  This is insane. Dude, everyone on this show stops in, gets their bullshit, and they get it in such an expensive way. I mean, that's what, look, that's what you have right now. That's what you have right now. You have the Gamer Subs energy drink. That's why we started stockpiling this at the store here, because you bulk buy it. It's so much cheaper. It's so much cheaper, and it's also delicious. I'll be, I will honestly say that. It's cheaper. That's why we want everyone in the audience to start stocking up on that Gamer Subs, by the way, link in the description, because that shit is so much more affordable than you stopping in and getting a candy bar, stopping in and getting a one-off Red Bull. What are you getting? Coca-Cola, Pepsi on product? Fuck you.

• 44:39Speaker 03

  I don't like Coke.

• 44:39Caleb Hammer?

  Going in and getting that shit. And it costs like $3.10. I don't get it. Bulk buy.

• 44:45Speaker 03

  You don't have the money to go and buy bulk right off the bat.

• 44:48Caleb Hammer?

  Don't you do it.

• 44:49Speaker 03

  You buy the small stuff.

• 44:50Caleb Hammer?

  You're spending. I have the money that you have.

• 44:53Speaker 03

  I just like buying the smaller stuff. Why would I want a whole bag?

• 44:58Speaker 03

  Cause then I'd be tempted to eat the whole bag itself.

• 45:00Caleb Hammer?

  I'm gonna die. I'm gonna die. You are just an animal, an absolute creature, an absolute creature, a creature. Look at that. Look at that. They're whole pack, the whole pack. Everyone on the show, it's always like a $5 energy drink. Their entire thing that is 100 cups, 100 cups, their tub that is 100 cups is $40. $40.

• 45:26Caleb Hammer?

  That's why we decided to partner with them. Cause you, 100, 100 cups for $40. What is that, a serving? It's 40 cents. Instead of people like you who just stop in and get like a $5 thing or a $4 candy bar.

• 45:40Speaker 03

  But again, you can't do bulk.

• 45:41Caleb Hammer?

  Buy bulk, buy bulk. Yes, you can.

• 45:44Speaker 03

  If you don't have $40 upfront.

• 45:46Caleb Hammer?

  That's for the energy drink thing, for all the energy drink freaks. You, you can walk in and get a $5 to $7 thing from the grocery store, Walmart, a big bag. We're approaching Halloween. You know that's cheap.

• 45:58Speaker 03

  Not where I live. It's 25 bucks for a 60-piece candy bag.

• 46:02Caleb Hammer?

  Dude, I have it right here. 225 pieces, Target, $10. And I know you have Target there. Shut up. Shut up. Shut up. Hershey's assorted pack from Target, $8.29. Fuck you. It's there. It's literally right here. I will show you. I will show you. I will show everyone. Here it is.

• 46:29Caleb Hammer?

  Here it the is. Zoom in on that. There it is. You see it? $8.29. I don't want to hear it. I don't want to hear it.

• 46:38Speaker 03

  Again, then it's a whole big bag that you don't want to keep. It's just one bar.

• 46:42Caleb Hammer?

  But you stop and get the one bar.

• 46:45Speaker 03

  To me, it's cheaper just to buy one bar. You're done with it.

• 46:47Caleb Hammer?

  To me, it's cheaper? How can we to me numbers? You can't to me a number. Fuck you to me.

• 46:55Caleb Hammer?

  You don't just to me that.

• 46:57Speaker 03

  But it's easier.

• 46:58Caleb Hammer?

  Oh, is it? You would already have it in your car. You just described how you door dash.

• 47:03Speaker 03

  Actually, on the way here, I didn't have a candy bar.

• 47:04Caleb Hammer?

  You just described to me how you door dash to your car because you don't want to get out and get something. But that's what you're doing when you're stopping to get an individual candy bar.

• 47:16Speaker 03

  Yeah, it's hard, honestly, with baking money.

• 47:19Caleb Hammer?

  Krispy Kreme.

• 47:20Speaker 03

  Oh, yeah, I had to get some Krispy Kreme while I was in Vegas.

• 47:24Caleb Hammer?

  I had to get some Krispy Kreme while I was in Vegas.

• 47:26Speaker 03

  We don't have it in Minnesota anymore.

• 47:27Caleb Hammer?

  What?

• 47:28Speaker 03

  They moved out of Minnesota and the only time you can get it is if you come down the southernness.

• 47:31Caleb Hammer?

  What? Isn't it still in Michigan? What the?

• 47:34Speaker 03

  Why would I drive to Michigan when I'm already doing something?

• 47:36Caleb Hammer?

  I'm just saying they're everywhere. I'm surprised they're not in Minnesota.

• 47:38Speaker 03

  No, they moved out about four or five years ago.

• 47:41Caleb Hammer?

  I guess looking at you, I would trust you in your statement.

• 47:44Speaker 03

  Oh, I would have plenty of donuts.

• 47:46Caleb Hammer?

  I am fact checking, though. I mean, Minnesota, other than Minneapolis, I don't know what else. There's nothing else there. So it's like.

• 47:52Speaker 03

  They are planning on to move back. I know that.

• 47:55Caleb Hammer?

  You're following the news, huh?

• 47:57Speaker 03

  Oh, yeah.

• 47:57Caleb Hammer?

  But there's a temporarily closed location in Minneapolis.

• 48:02Speaker 03

  They used to have one in Maple Grove. They'd have one up in the suburban suburbs.

• 48:05Caleb Hammer?

  They're all over everywhere else. Sounds like your problem.

• 48:10Caleb Hammer?

  Okay, this is insane. Candy bar, McDonald's, Dairy Queen, Gulf, Fat Dogs for $71? Hot dogs for $71?

• 48:18Speaker 03

  I took the group out when I was down there.

• 48:19Caleb Hammer?

  You don't have money.

• 48:20Speaker 03

  But they Venmo me back the money.

• 48:22Caleb Hammer?

  Does he not look like the whale?

• 48:23Speaker 05

  I was just trying to save us from his own sad story.

• 48:30Caleb Hammer?

  Like, I'm just seeing it. You're straight.

• 48:34Caleb Hammer?

  But he had a kid, too. Candy bar, Amazon, Amazon ATM would draw $20, Zellin out $200, Zellin out $30, Zellin out $1,000, Zellin out $8.13. Amazon, $37.99. Holiday stations, Panera Bread, car wash again, three car washes in one month. Fuck you. Zellin out $8. Dude, in three in one month?

• 48:55Speaker 03

  It's a new car. It gets dirty. You go through mud.

• 48:58Caleb Hammer?

  I'm gonna jerk myself off. You ready? Open up, okay? I have a much nicer car than you and I get, it's like once every month, once every two months.

• 49:06Speaker 03

  Hopefully it doesn't rust.

• 49:07Caleb Hammer?

  It won't. And it's not winter yet, rust? Dude, do you not know what causes?

• 49:13Speaker 03

  Oh, it's salt, trust me.

• 49:15Caleb Hammer?

  You're not in that season. In fact, this was July. Zelling out, Sweet Needs, Amazon, Applebee's. Oh. Oh, this is why they put the checking account up front so that they could kill me. Your bank might not be your friend. I see so many people on Financial Audit get stuck in vicious cycles of paying off late fees, overdraft fees, and interest from their own bank. Which is why I'm excited about Current. Current isn't a bank, it's better. With Current, your money actually works for you. Qualified members can get up to $750 with Paycheck Advance. Fee-free overdraft covers when you accidentally go a little over. And you can use the Build Card to actually grow your credit. No credit check, no interest.

• 49:59Caleb Hammer?

  Earn up to 4% APY in savings pods and access 40,000-plus ATMs without fees. And get 24/7 live support. It's not just banking, it's banking that actually has your back. Join millions choosing better banking. Go to current.com/hammer and use code CALEB50 to get $50. Start building, saving, and breathing easy. See their website for terms and conditions. Amazon, McDonald's, Taco Bell, Amazon, Amazon, Panera Bread, Target, IHOP, $43 a [bleep] IHOP. Four-Nashy Taco Bell, that was cheaper than you're going into IHOP somehow. Target, we already know you go there, get your [bleep] candy bars cheaper. Target, he went and got a candy bar, I think, at the [bleep] checkout line.

• 50:43Caleb Hammer?

  Oh, Aztec Mexican restaurant, I guess that's the most ethnic we can get up in Minneapolis. Oh.

• 50:50Speaker 03

  They do have some good burritos.

• 50:54Speaker 03

  Pretty good burritos.

• 50:55Caleb Hammer?

  Uh huh.

• 50:57Caleb Hammer?

  Uh huh.

• 51:01Caleb Hammer?

  Candy bar, Zelling out, candy bar, McDonald's, Sweet Needs. This is one month. Ladies and gentlemen, this is one document, one month. One document.

• 51:12Speaker 03

  I'm no whale for no reason.

• 51:14Caleb Hammer?

  Huh?

• 51:15Speaker 03

  I'm not the whale for no reason. I like eating.

• 51:17Caleb Hammer?

  Oh, your cope is so hard. Your cope is so hard. Unfortunately, that cope was probably not gonna let you see 40 years old. Candy bar, candy bar. I wouldn't be laughing at that. That's very real. Candy bar, PayPal in out, holiday, DoorDash, Double Dyes. You got premium, Perian, Savage, Alperian, a Perian.

• 51:42Speaker 03

  Another Mexican joint.

• 51:43Caleb Hammer?

  Bull. DoorDash, McDonald's, Candle, Candy Bar. Oh, we've approached, we've approached.

• 51:52Speaker 03

  Wasn't that bad, was it?

• 51:54Caleb Hammer?

  Editors put into a glowing halo of beauty and amazing angelic noises, cuz I am celebrating. I am celebrating.

• 52:04Caleb Hammer?

  Oh, I'm so happy we're done with that document. That brought us to 50 minutes. That is insane.

• 52:09Speaker 03

  My life's complicated. What can I say?

• 52:11Caleb Hammer?

  Your life's not complicated. You're a degenerate.

• 52:17Caleb Hammer?

  Had $102 overdraft fees this year so far, which is now probably 150 after where we are this month.

• 52:24Caleb Hammer?

  This poor wife.

• 52:26Speaker 03

  Cheats are with me. That's why they're so expensive.

• 52:27Caleb Hammer?

  The guy is forcing her to give 70% of her income and then he [bleep] the house? This poor wife. No offense, and I'm sorry to do this to you cuz you're on the show and you're a part of the audience. I love you for that. You're the villain.

• 52:42Speaker 03

  I don't think about it that way.

• 52:43Caleb Hammer?

  You are the villain. You take all of her money, you have kids, and yet this is how the finances end up? You're the villain.

• 52:52Speaker 03

  But the bills get paid, even if it's negative.

• 52:53Caleb Hammer?

  No, you're overdrafting. I don't know. I don't know. We're gonna find out. Paying bill, overdrafting, [bleep] you. I don't know. Well, we'll see. We'll see if they get paid. Honestly, every time I hear that, there's usually late fees, and seeing that we already are opening with hundreds of dollars in overdraft fees?

• 53:06Speaker 03

  I've rarely been late on bills.

• 53:08Caleb Hammer?

  I wouldn't trust you for anything.

• 53:10Speaker 03

  Rarely been late.

• 53:11Caleb Hammer?

  Rarely is still, yeah, are, by the way.

• 53:14Speaker 03

  The only time I can think of one is once. And I know that for a fact. I know I'm...

• 53:19Caleb Hammer?

  Fact?

• 53:20Speaker 03

  Yeah.

• 53:20Caleb Hammer?

  The only time I can remember, and that's a fact. You contradict everything with your language.

• 53:27Speaker 03

  That's my personality.

• 53:28Caleb Hammer?

  Or has Tim Walz cut all education funding in Minnesota?

• 53:32Speaker 03

  I don't know. I don't do politics with them.

• 53:33Caleb Hammer?

  That's not politics. I'm just asking if everyone's there.

• 53:37Speaker 03

  Maybe.

• 53:38Caleb Hammer?

  Like, I'm concerned for the schools based on this conversation. I just happen to know the governor because he ran for vice president. That's not...

• 53:45Speaker 03

  Hey, I graduated, so that's something. Went to college.

• 53:48Caleb Hammer?

  That's why I'm questioning. That is again why I'm questioning. You're not making that better.

• 53:57Speaker 03

  Not making it better, but at least I'm living my own life.

• 54:00Caleb Hammer?

  For the next decade, if you're lucky.

• 54:02Speaker 03

  Yeah, maybe more.

• 54:04Caleb Hammer?

  Maybe is such a boost of confidence.

• 54:09Caleb Hammer?

  Uh, okay. A firm, I think. First debt. What's going on with this?

• 54:16Speaker 03

  Um, that is a firm. If that's Home Depot, that's either a washing machine.

• 54:20Caleb Hammer?

  Oh, I do see Home Depot. $3,782.22.

• 54:25Speaker 03

  Nope, that's the riding lawnmower that I bought.

• 54:29Caleb Hammer?

  Yeah, we would hate to get any steps in.

• 54:32Speaker 03

  But mowing an acre of lawn is actually pretty hard. I don't care how fat or skinny you are. It's actually a lot with a single push mower.

• 54:38Caleb Hammer?

  Yeah, an acre, sure, fair enough. But for also what it's worth, one, you cannot afford it. Two, you could have subsidized for a long time having, um, a...

• 54:56Caleb Hammer?

  mow the lawn for a very cheap...

• 54:58Speaker 03

  Cheap what?

• 55:00Caleb Hammer?

  Numbers? Dollars?

• 55:01Speaker 03

  I'm confused, what?

• 55:03Caleb Hammer?

  Remember the burrito restaurant you went to?

• 55:05Speaker 03

  Oh, yeah. Yeah.

• 55:09Speaker 03

  I'm confused, what?

• 55:11Caleb Hammer?

  Someone would mow your lawn for cheap.

• 55:13Speaker 03

  Oh, yeah. No, up there, it's $120. I had a quote.

• 55:18Caleb Hammer?

  From one company?

• 55:19Speaker 03

  Multiples.

• 55:20Caleb Hammer?

  They all give you $120 on cents?

• 55:22Speaker 03

  It's within the range of 100 to 120 to mow that.

• 55:25Caleb Hammer?

  Good. Mow it once a month. How long can that last us? And that's seven months a year?

• 55:31Speaker 03

  You'd have to do it every other week because there's ordinances in our city that you can't be more than two inches long on your lawn.

• 55:38Caleb Hammer?

  Okay. Times seven. Uh, so that could get you about, uh, two and a half years. Based on when grass is actually growing in Minnesota. That would be two and a half years instead of.

• 55:51Speaker 03

  It's not as easy as affirming a mower.

• 55:54Caleb Hammer?

  Actually, no, it is because they just show up and do it.

• 55:56Speaker 03

  Yeah, but I'm kind of anal about stuff like that. I have to mow it my way.

• 55:59Caleb Hammer?

  Wait. No, Colton's telling me the lawnmower was a flip. What does that mean?

• 56:03Speaker 03

  Yep. I was getting there. I had to flip it because we had no money, so I took that and sold it on Facebook Marketplace. It was newer. So I took that as a loan.

• 56:13Caleb Hammer?

  You don't even have it anymore.

• 56:14Speaker 03

  No.

• 56:15Caleb Hammer?

  Why the fuck did we just talk about it for five minutes?

• 56:17Speaker 03

  I had to flip it for some quick cash.

• 56:19Caleb Hammer?

  You are bad at conversation.

• 56:21Speaker 03

  Yeah, some can say that.

• 56:26Caleb Hammer?

  What happened? And what are the numbers?

• 56:28Speaker 03

  Um, I think in total on that loan, it's 2,700 for the mower and then after fees and taxes, it was like 36.

• 56:35Caleb Hammer?

  I have the number. I'm talking about, you just told me you sold it. Dude, you're so bad at talking.

• 56:39Speaker 03

  That's literally what I sold it for was 36.

• 56:41Caleb Hammer?

  You sold it for 36. Why is this balance still here?

• 56:44Speaker 03

  Because I took the money and put it in my account to use it as a loan. To get me by. I took the cash from selling it on Facebook. And took that money and used it for everyday bills and whatever I had to use.

• 56:57Caleb Hammer?

  For how long? You spent 11,000 dollars on this?

• 56:59Speaker 03

  It was about a month's worth.

• 57:06Speaker 03

  Wasn't proud of it. Didn't want to get rid of it because honestly, I don't like mowing, but that's what I had to do.

• 57:11Caleb Hammer?

  Uh, yes. How's the lawn being mowed right now?

• 57:14Speaker 03

  Uh, single push mower.

• 57:15Caleb Hammer?

  So you could have done it.

• 57:17Speaker 03

  It only takes two days to mow it.

• 57:18Caleb Hammer?

  But you do it.

• 57:20Speaker 03

  Yeah, but it also costs a lot of gas.

• 57:23Caleb Hammer?

  So you could have done it because you're literally doing it right now.

• 57:26Speaker 03

  Could have.

• 57:26Caleb Hammer?

  So this was a debt that did not need to exist for any reason whatsoever. And now it exists for nothing to show for it.

• 57:33Speaker 03

  It didn't need to happen, but it's honestly a lot better doing it that way. It's quicker.

• 57:37Caleb Hammer?

  You don't have it.

• 57:38Speaker 03

  I don't have it. No, I don't.

• 57:40Caleb Hammer?

  What made you sell it?

• 57:42Speaker 03

  Because we needed the money.

• 57:46Speaker 03

  You do stupid things when you're in need of money.

• 57:50Caleb Hammer?

  Oh, shut up. Shut up. You spent, how much was the mower?

• 57:55Speaker 03

  In total, thirty-six.

• 57:56Caleb Hammer?

  No, the mower before all the fees and bullshit.

• 57:58Speaker 03

  It's like twenty-seven hundred?

• 57:59Caleb Hammer?

  Twenty-seven. You spent two thousand hours minimum, minimum, minimum, minimum, minimum, minimum, minimum. On bullshit.

• 58:04Speaker 03

  That's a two-year loan.

• 58:05Caleb Hammer?

  Minimum, and I haven't gone through your Amazon yet. Two thousand on minimum. Bullshit. Fuck you. Fuck you. You could have cash, well, not cash flow, because you're going into debt for that bullshit anyway. But two months of your bullshit, and you would have paid for this whole thing. Fuck you.

• 58:18Caleb Hammer?

  That's, um, that's, that's coped to the extreme. That is coped to the extreme.

• 58:22Speaker 03

  Desperate times, desperate matters.

• 58:24Caleb Hammer?

  There's one Home Depot.

• 58:25Speaker 03

  That's the washing machine.

• 58:26Caleb Hammer?

  Hold the fuck on. Okay, one second.

• 58:30Caleb Hammer?

  Okay, so I'll call this lawnmower then.

• 58:34Speaker 00

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

• 58:58Caleb Hammer?

  First one. Lawnmower. You owe three thousand, seven hundred, eighty dollars and twenty-two cents. No asset to show for it, of course. With a minimum monthly payment, it looks like a hundred sixty-four dollars and forty-two cents. What's the interest rate?

• 59:10Speaker 03

  Uh, between thirty and thirty-one.

• 59:14Speaker 03

  Typical a firm loan.

• 59:15Caleb Hammer?

  A firm, by the way, is typical thirty-five, so.

• 59:17Speaker 03

  No, it's not bad.

• 59:18Caleb Hammer?

  No, it's probably thirty-five.

• 59:20Speaker 03

  Last time I looked, it was thirty-one. I could be wrong, like everything else.

• 59:28Caleb Hammer?

  Oh, you're.

• 59:30Caleb Hammer?

  Oh, you're. Okay, I see another Home Depot firm. This is for six hundred and fifty dollars with a minimum monthly payment of fifty-four, twenty-four. Also probably at a thirty-five percent interest rate. For what?

• 59:41Speaker 03

  That was a washing machine. I had to basically buy a new one for my landlord because he claimed that we broke his.

• 59:47Caleb Hammer?

  And did he force you to?

• 59:48Speaker 03

  More or less forced us to get a new one.

• 59:49Caleb Hammer?

  Right then, you had to get it right then. You couldn't get it when you moved out?

• 59:52Speaker 03

  No, we didn't move out. We were still in that same house.

• 59:54Caleb Hammer?

  I know. Oh, my dude, he is, oh, my gosh. Colton saved me.

• 1:00:01Caleb Hammer?

  I'm saying, he was forcing you to buy it right then, right there. You couldn't have bought it when you were moving out.

• 1:00:06Speaker 03

  No.

• 1:00:07Caleb Hammer?

  No, what?

• 1:00:08Speaker 03

  Right there.

• 1:00:08Caleb Hammer?

  Okay.

• 1:00:11Caleb Hammer?

  Which I honestly don't even believe, I don't even know if you communicated or even understood what was happening, but what the fuck are we doing?

• 1:00:21Speaker 03

  We're all-

• 1:00:21Caleb Hammer?

  Oh, you're late on two payments. I thought you just told me you weren't, ever, and you're paying your bills, that's what you were bragging about. No, you're behind, no, Colton's telling me you're late on two payments.

• 1:00:31Speaker 03

  Oh yeah, that's on a different one, I hear.

• 1:00:35Caleb Hammer?

  You were br- you, you, you were bragging!

• 1:00:39Speaker 03

  On my checking, yes, not a firm. That's different.

• 1:00:42Caleb Hammer?

  You're gonna qualify that you-

• 1:00:45Speaker 03

  You can't go negative on a firm, it's just loans.

• 1:00:52Speaker 03

  Yes, I'm complicated.

• 1:00:54Caleb Hammer?

  You're not complicated, stop saying that, you are a moron!

• 1:01:02Speaker 03

  I don't think I'm a moron, obviously, but, you know.

• 1:01:12Caleb Hammer?

  Great, you got a washing machine, did he dictate which one to get?

• 1:01:15Speaker 03

  No, I just bought him the cheapest front loader, similar to what he had.

• 1:01:24Speaker 03

  If I wanna think about it this way, I actually made $300 on that, cuz at the time it was on sale, so it was a good deal.

• 1:01:30Caleb Hammer?

  You think that's money in your pocket when you say made? Then you didn't make 300.

• 1:01:34Speaker 03

  It's still a good deal.

• 1:01:36Caleb Hammer?

  I'm gonna die, this is insane, what the, what the is this episode? What the is this, okay, okay, how about this, we got Home Depot. We're back for the third time, $882.71 owed on this one, probably a 35% interest rate, minimum payment $68.12. What is this for?

• 1:01:57Speaker 03

  That I can't remember. There's a couple of them that you just kinda forget, you just make the payment.

• 1:02:08Caleb Hammer?

  You're not even, you're not even a quarter of the way paying through it and you don't know what this was. It's not a quarter of the way done. It's not even a quarter of the way done, you've... Dude, dude, no, no, no, no, no. You went to Home Depot and you spent...

• 1:02:24Caleb Hammer?

  Eleven hundred dollars. What did you get? Come on, come on, come on!

• 1:02:29Speaker 03

  Can't remember.

• 1:02:30Caleb Hammer?

  Come on, this is four months ago. Four months ago. Four months ago, you walked into Home Depot and spent eleven to twelve hundred dollars and you can't tell me what it was?

• 1:02:37Speaker 03

  Can't remember.

• 1:02:38Caleb Hammer?

  Okay, Colton thinks based on the conversation that it's for paint and a couch.

• 1:02:42Speaker 03

  Yep. If that's what I'm assuming it is.

• 1:02:48Speaker 03

  I tend to forget things really quick.

• 1:02:53Speaker 03

  We moved into this house in the rental, we had to get things.

• 1:02:57Caleb Hammer?

  You had to get paint? And Facebook Marketplace a couch, you tit?

• 1:03:01Speaker 03

  Why would I want someone else's beat up couch?

• 1:03:02Caleb Hammer?

  Cause the rich people just get rid of it for free!

• 1:03:05Speaker 03

  Well, there's no one rich up in Minnesota.

• 1:03:07Caleb Hammer?

  Oh, you moron, there's rich people everywhere. Minneapolis is a major metropolitan area, yes there is.

• 1:03:11Speaker 03

  Well, there's rich people in Minnetaka, but...

• 1:03:14Caleb Hammer?

  Ah, there are rich people in Minneapolis, you absolute...

• 1:03:19Caleb Hammer?

  Ah?

• 1:03:20Speaker 03

  Still don't want someone else's used couch, you don't know what they did on it.

• 1:03:23Caleb Hammer?

  Oh, you get it nice and cleaned and then you [__] on it and claim it as yourself.

• 1:03:27Speaker 03

  Eh, why would I wanna [__] on the couch? That's kinda gross.

• 1:03:32Speaker 03

  On a couch?

• 1:03:32Caleb Hammer?

  What's wrong with you? [__] anywhere.

• 1:03:35Speaker 03

  Yeah, but not on a dirty couch that I don't know who had it before me.

• 1:03:37Caleb Hammer?

  You clean it, you beast!

• 1:03:39Speaker 03

  With what? A cleaner?

• 1:03:41Caleb Hammer?

  Yes, a cleaning supply!

• 1:03:42Speaker 03

  One of those steam cleaners? No, that doesn't do much.

• 1:03:45Caleb Hammer?

  Oh, well, you're gonna [__].

• 1:03:46Speaker 03

  You don't know, they could have cockroaches, you don't know that.

• 1:03:48Caleb Hammer?

  You would see that. You would see that. You would see that.

• 1:03:51Speaker 03

  A lot of times, they don't come out. They're like bedbugs, they hide until you find them.

• 1:03:55Caleb Hammer?

  Oh my, he sucks. Paint, okay, you did not need paint. Can we at least...

• 1:04:02Speaker 03

  Oh, we did. It was a green room. It was lime green.

• 1:04:06Caleb Hammer?

  Good, and you accept it. You accept it because that doesn't matter in your actual life. This was a wand.

• 1:04:11Speaker 03

  It has to be tan, like the rest of the house.

• 1:04:23Caleb Hammer?

  Okay, here's Amazon. This is Amazon, you owe 805,089 cents. You've paid 1770 so far. What did you get? What did you get for about $3,000?

• 1:04:35Speaker 03

  That was living room stuff before we moved into this house. That was like a book.

• 1:04:39Caleb Hammer?

  You can't get used to Kenya at all.

• 1:04:42Speaker 03

  No, has to be nice.

• 1:04:44Caleb Hammer?

  You don't live that life.

• 1:04:47Caleb Hammer?

  When'd you move in?

• 1:04:48Speaker 03

  Uh, we moved in just under a year ago.

• 1:04:50Caleb Hammer?

  Okay. Okay, you weren't making dick. You don't live this kinda life. The minimum payment's $34.91. No, uh, hold on. Actually, don't know. Uh, I'm gonna just assume it is. Pull up your Amazon on your phone and start a screen recording for me.

• 1:05:10Caleb Hammer?

  Ladies and gentlemen, connections, man, this show blows my fucking mind.

• 1:05:15Caleb Hammer?

  I filmed four of these a week and I, uh, the first five minutes or so, I'm like, okay, oh, this is, you know, we're just, I'm talking to a person. By the time I'm 30 minutes in, this show never fails to blow my mind. How did we, how, how are we here right now? How are we making this? How are we making this show together, all of us in this room right now? How are you here? How have you made it to this far in life? Especially with that figure. This is crazy. This is insane. This blows my mind. This blows my mind.

• 1:05:47Caleb Hammer?

  They left you on a plane. Give me this.

• 1:05:51Caleb Hammer?

  Okay, screen recording's happening. Ooh, he has the new glass update. Not a big fan, I'll be honest. As an Apple simp, not a big fan. Oh, that's volume. Why don't you have your screen brightness? Oh, you have it in weird, okay. Okay, we got four princesses, four unicorns, dog, furniture and accessories dollhouse, Green Bay, fuck you.

• 1:06:09Speaker 03

  Oh, that's my wife, not me. I don't watch football.

• 1:06:12Caleb Hammer?

  I'm glad your wife's, okay, you are the pussy of the family. You're the beta.

• 1:06:15Speaker 03

  Football, I don't like it.

• 1:06:16Caleb Hammer?

  You're the beta, she's the man. Gotcha. You got glitter hairbrush, definitely didn't have brushes. Uh, Bobcats.

• 1:06:23Speaker 03

  Don't know what that one is, that's another.

• 1:06:25Caleb Hammer?

  Montana State.

• 1:06:26Speaker 03

  That's another wife one.

• 1:06:27Caleb Hammer?

  Okay, again, the mask one. Yeah, you control the money. I think I trust her and I feel like I can't wait to talk to her in the post-show. More football, more sports hats, love the brain book, love theoretically, this relationship's not going well, book, Green Bay Packers bowtie. We got pens, that's fine, three-year monthly planner.

• 1:06:50Caleb Hammer?

  Great critical for life. Return completed. Someone's in your driveway. I'm putting your phone on. Do not disturb.

• 1:06:56Speaker 03

  It's probably another squirrel.

• 1:06:57Caleb Hammer?

  I also don't see that. Is this the update or is your button layout just horrible?

• 1:07:02Speaker 03

  No, that's the new update.

• 1:07:03Caleb Hammer?

  Where's the do not disturb ring? Someone's in your driveway. I'm thrilled. I would like to. Ah, where's the disturb? Whoa, where is it? Where is it possibly?

• 1:07:16Speaker 03

  All the controls I need is right there.

• 1:07:18Caleb Hammer?

  Except for do not disturb, which was a requirement when you walked into this room. Okay, what are these? Trash bags? That's fine.

• 1:07:27Caleb Hammer?

  Once a return. No, wait. This is not only yours. I saw so many purchases. Your orders since when?

• 1:07:34Speaker 03

  Probably recent.

• 1:07:35Caleb Hammer?

  Last three days, 30 days.

• 1:07:39Caleb Hammer?

  Okay, that one's returned. First day of school. Shirt, go off, sleeper, book thing. Oh. That is.

• 1:07:49Speaker 03

  Wife likes to have a little fun with that one.

• 1:07:50Caleb Hammer?

  Yeah. It's 8.7 inches long. Realistic dildo with strong suction cup. Double layer silicone.

• 1:08:01Speaker 03

  See, I'm not all that bad.

• 1:08:07Caleb Hammer?

  Are you sure? Because again, this is.

• 1:08:09Speaker 03

  Yeah.

• 1:08:10Caleb Hammer?

  You're not that bad? This is to compensate.

• 1:08:13Speaker 03

  No. Both at one time.

• 1:08:16Caleb Hammer?

  Truck bed.

• 1:08:18Speaker 03

  Do you want details? That's both at one time.

• 1:08:23Speaker 03

  Hey, you gotta spice up the marriage somehow.

• 1:08:27Caleb Hammer?

  Truck bed thing, baby things. Lots of baby things. My room is about lots of books. Okay. I see she went for.

• 1:08:42Caleb Hammer?

  The very tanned and cut flavor.

• 1:08:47Caleb Hammer?

  And she was.

• 1:08:47Speaker 03

  Well, I mean, she probably doesn't want.

• 1:08:48Caleb Hammer?

  Sorry, she selected red instead of.

• 1:08:52Speaker 03

  She's not into those people. I'm sorry.

• 1:09:01Speaker 03

  She's Danish, what can I say?

• 1:09:03Caleb Hammer?

  What? What?

• 1:09:05Speaker 03

  She's Danish, she likes white people. She's not racist, but she likes white people.

• 1:09:10Caleb Hammer?

  She's not racist, but she hates the blacks.

• 1:09:13Speaker 03

  I didn't say she hated blacks.

• 1:09:17Speaker 03

  She doesn't hate black people like that.

• 1:09:19Caleb Hammer?

  Like that?

• 1:09:20Speaker 03

  In bed. It's a dildo. She likes it in bed with white people.

• 1:09:27Speaker 03

  Yes, I know. Trying to make sense of it, it's hard.

• 1:09:35Speaker 03

  What can I say?

• 1:09:36Caleb Hammer?

  You probably shouldn't have said that.

• 1:09:41Caleb Hammer?

  Okay, this Amazon's basically brand new, I think. What's this Amazon for? It looks like it was a purchase of $320 just recently.

• 1:09:50Speaker 03

  That was recent, that was probably some of the stuff. Probably.

• 1:09:54Caleb Hammer?

  Okay, we're calling this one the dildo.

• 1:09:59Caleb Hammer?

  Paid a little extra to make sure it's the right race. $242.30, minimum monthly payment, $80.76. Nope, $13.46.

• 1:10:11Speaker 03

  It's one of the cheaper ones.

• 1:10:17Caleb Hammer?

  Okay, Amazon, halfway done paying this. Looks like you purchased 250 bucks, um, five months ago. What was that?

• 1:10:24Speaker 03

  Amazon?

• 1:10:25Caleb Hammer?

  Yeah.

• 1:10:26Speaker 03

  Probably just more basic stuff.

• 1:10:28Caleb Hammer?

  Okay, I'll just call this bullshit.

• 1:10:32Speaker 03

  It's a lot of just everyday things that the wife wants.

• 1:10:34Caleb Hammer?

  Everyday dildos. $26.48 minimum payment, balance $144.73. How old's the wife?

• 1:10:43Speaker 03

  Uh, 24.

• 1:10:53Speaker 03

  It's pretty good looking, too.

• 1:10:54Caleb Hammer?

  Sure.

• 1:10:57Speaker 03

  Matter of fact, it's right on my screen.

• 1:10:59Caleb Hammer?

  I'll see it.

• 1:11:02Caleb Hammer?

  Do we have?

• 1:11:05Caleb Hammer?

  Do we have consent to show her face?

• 1:11:08Speaker 03

  Um.

• 1:11:09Caleb Hammer?

  Not the kids, her face.

• 1:11:10Speaker 03

  Not right now, as she's currently a teacher.

• 1:11:12Caleb Hammer?

  Okay.

• 1:11:12Speaker 03

  Kind of don't want to put her out like that.

• 1:11:14Caleb Hammer?

  But I see it. That's okay. Whoa, no, we won't put it in there. That's fine. Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebly. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus

• 1:11:59Caleb Hammer?

  when you sign up with Direct Deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. Okay. Now I know what the woman's like that's taken a nine inch.

• 1:12:44Speaker 03

  7.8 to be exact.

• 1:12:46Caleb Hammer?

  Oh, I'm sorry. Eight inch.

• 1:12:47Speaker 03

  Can't have too much fun.

• 1:12:49Caleb Hammer?

  I don't want to exaggerate. No, of course not. Delta Airlines, looks like he just did this about a month ago.

• 1:12:54Speaker 03

  Yep, that was the flight to Vegas.

• 1:12:55Caleb Hammer?

  Vegas? $606. Again, these are all at 35%, by the way. Usually 35.99% is what a firm is at. You are fueling their entire stock price. $55.25 is the minimum payment. I don't even know what to say. $606.

• 1:13:10Speaker 03

  That one's a six-month loan.

• 1:13:11Caleb Hammer?

  What are we doing? No, it is not. It is 11. It's 11.

• 1:13:14Speaker 03

  11? No.

• 1:13:15Caleb Hammer?

  Yes, it's 11. You.

• 1:13:19Speaker 03

  Yes, there's more.

• 1:13:19Caleb Hammer?

  You're just not a debt person. I'll set you up with the FIS card, debit card that builds credit. Okay, I'll set you up with that so you can't spend what's not in your checking account, which was a problem for you. If you ever want to get a higher paying job, a lot of people in our audience have used CourseCareer, so I'll set you up with one of those for free as well. It's a good certification program. And I'll also get you on the Weebull app, okay? That way, when you're ready to invest, you can throw money there and get boosted APY for money that's just uninvested. It's a good savings wise. I'll get you set up with all that for free, plus all of our education programs. So, you're just not a debt person, man. Okay, but you also just did a Priceline thing a month ago?

• 1:14:00Speaker 03

  Yep, she went to Texas to visit her dad while I was in Vegas. Because her grandparents took the kids for the week.

• 1:14:07Caleb Hammer?

  You guys are uncontrolled. $257.69 left. You guys are uncontrolled. And also, $23.43 a month again. We're at like 35% interest. This is forever. Expedia. This is the hotel.

• 1:14:29Speaker 03

  Yep, for her.

• 1:14:32Caleb Hammer?

  You're gonna die, man. Okay, we're at $156.41. Is there anything you do not affirm? Actually, the question, the answer is yes, because your checking account was also madness. This is insane. You affirm everything, yet you also blow all your money. Everything's easier. Why? That doesn't mean it's good.

• 1:14:46Speaker 03

  Because it breaks it down in payments. It's easier to control it month-to-month basis when you have no money.

• 1:14:51Caleb Hammer?

  But look what happens when your payments hit, and now you're negative $550 right now. That's because you've stretched your life, where you put everything on minimum payments, and now they've all stacked so high, you can't afford minimum payments to save your life!

• 1:15:03Speaker 03

  Makes it easier. That's all I can say on that.

• 1:15:05Caleb Hammer?

  Except now you can't make your payments!

• 1:15:07Speaker 03

  When you go unemployed, that's how it happens. When I was unemployed, yes.

• 1:15:12Caleb Hammer?

  We're not. And this was last month. Another Priceline. Flight. Another flight?

• 1:15:17Speaker 03

  That was my flight.

• 1:15:18Caleb Hammer?

  To where?

• 1:15:19Speaker 03

  To the Vegas.

• 1:15:20Caleb Hammer?

  What? I just had that, but Delta!

• 1:15:22Speaker 03

  Yeah, the flight home. It was one-way tickets.

• 1:15:24Caleb Hammer?

  You got them one-way?

• 1:15:25Speaker 03

  Round trip actually was more.

• 1:15:28Caleb Hammer?

  You are a f-

• 1:15:30Caleb Hammer?

  Dude, you, mm, I don't know, $167.98. Are you embarrassed?

• 1:15:37Speaker 03

  Yeah.

• 1:15:37Caleb Hammer?

  Good.

• 1:15:38Speaker 03

  No, actually, having someone tell me about all this debt, yes.

• 1:15:41Caleb Hammer?

  Well, this is crap. Menards? Now, that's midwestern to its core. So it's the worst Home Depot.

• 1:15:48Speaker 03

  Yeah, it's.

• 1:15:49Caleb Hammer?

  It's where my parents met.

• 1:15:50Speaker 03

  Really?

• 1:15:51Caleb Hammer?

  Isn't that cute?

• 1:15:51Speaker 03

  Hey, I mean, a little flannel, why not?

• 1:15:53Caleb Hammer?

  Save big money on my.

• 1:15:55Speaker 03

  Yeah, that jingle gets old.

• 1:15:57Caleb Hammer?

  What the did you get?

• 1:15:58Speaker 03

  Ah, some probably some basic stuff for the house.

• 1:16:01Caleb Hammer?

  You don't even know. This is just a couple of months ago. 360 bucks. Okay, I'll call it.

• 1:16:07Speaker 03

  Furnace filter is probably about 40 bucks a pop right there. It's a newer furnace that he put in.

• 1:16:11Caleb Hammer?

  For, you had to pay for the furnace?

• 1:16:14Speaker 03

  Yeah.

• 1:16:14Caleb Hammer?

  Why? This is a rental.

• 1:16:15Speaker 03

  Because when we moved in, he told us that certain things are on us. And then when we move out.

• 1:16:21Caleb Hammer?

  Did you sign the contract that stipulated that?

• 1:16:22Speaker 03

  We didn't really look through that contract.

• 1:16:24Caleb Hammer?

  Well, if you did, then that might be right. But I would also talk to maybe a lawyer. And also, Colton's telling me it's for a grill.

• 1:16:30Speaker 03

  Yep.

• 1:16:34Speaker 03

  I'd have hard memory trying to remember a lot of things of what I buy. I mean, honestly, there's a stack of papers. It's hard to keep track.

• 1:16:43Speaker 03

  It's almost like a bank account. When you use a firm, you kind of forget about what you buy. You have it, you forget the loan's there, and then it just tells you you need to pay it.

• 1:16:50Caleb Hammer?

  Minimum monthly payment, $30.22. Balance, $302.24 for a grill. A critical necessity for life that your family would not have survived.

• 1:17:01Speaker 03

  Get a $120 grill. You have to get a nicer one that's not gonna burn.

• 1:17:04Caleb Hammer?

  Just not get a grill, you fucking creature.

• 1:17:06Speaker 03

  What, you're gonna grill burgers?

• 1:17:08Caleb Hammer?

  I like Ridge Wallet.

• 1:17:10Speaker 03

  Yeah, they're pretty cool.

• 1:17:10Caleb Hammer?

  They were a sponsor once, but I still support them even though they didn't come back. They're good. You just can't afford it.

• 1:17:15Speaker 03

  I had to get a new one because they didn't want a lifetime warranty mine.

• 1:17:18Caleb Hammer?

  You can get a little Amazon wallet. It's cheap.

• 1:17:21Speaker 03

  Why? When a Ridge Wallet's better.

• 1:17:22Caleb Hammer?

  Because you can't afford it would be the answer to why be, why? Because you can't afford it.

• 1:17:27Speaker 03

  It's nicer that everything's protected. But it's protected. It's RFID. If I get a basic leather one, well, I've had my stuff stolen multiple times.

• 1:17:36Caleb Hammer?

  Stop leaving it places!

• 1:17:38Speaker 03

  Oh, it's not leaving it. People taking the numbers or something.

• 1:17:41Caleb Hammer?

  $115.15, minimum payment $10.04. Buddy, I just, this is insane. You just get everything you cannot afford!

• 1:17:50Speaker 03

  Seeing that now, yeah.

• 1:17:52Speaker 00

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

• 1:18:17Caleb Hammer?

  Yeah, seeing that now somehow?

• 1:18:19Speaker 03

  It's easy. It's a one-click button. You're approved. You're good. You just don't think about the payments in the moment.

• 1:18:24Caleb Hammer?

  Elena Health, this was the thing you blamed all of your shit on at the beginning. And this is one of the smaller balances on all the affirms out of the 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 we've been through so far.

• 1:18:37Speaker 03

  That was one of them.

• 1:18:38Caleb Hammer?

  And this is what you set the conversation up with to begin with. You.

• 1:18:41Speaker 03

  Yeah, I put my medical bills on there because when I had the money, I was paying for them. So that bill was like 1,300 to start. And then at the time when I couldn't pay it, I just put it on there because you can use it as a card.

• 1:18:50Caleb Hammer?

  Your medical bills or your daughter's?

• 1:18:52Speaker 03

  All of ours. That's all the one count.

• 1:18:53Caleb Hammer?

  $361.81. What happened to you?

• 1:18:56Speaker 03

  Uh, basically tripped and fell and sprained my ankle.

• 1:18:58Caleb Hammer?

  Stop! $36.24 is your minimum monthly payments. Balance is $361.81. Also probably at a 35% interest, which doesn't make sense. Do the payment plan at the hospital. It's 0% interest.

• 1:19:11Speaker 03

  You have to have credit for them.

• 1:19:12Caleb Hammer?

  Oh, for

• 1:19:14Speaker 03

  Seriously, they run your credit and they tell you no.

• 1:19:16Caleb Hammer?

  This one just says affirm virtual card. So you're just out there swiping. Okay, so this one's just straight up affirm virtual card.

• 1:19:22Speaker 03

  If that's the online one that's named that, that's another medical bill.

• 1:19:25Caleb Hammer?

  Oh, okay. We'll call this medical then.

• 1:19:27Speaker 03

  That was one of the ones that they would not do with me in payment plan.

• 1:19:30Caleb Hammer?

  $204.80, minimum monthly payment $17.08.

• 1:19:38Caleb Hammer?

  Crazy. Okay, we're done with the firm. Thank

• 1:19:44Caleb Hammer?

  But even worse, Credit One, the enemy of all credit cards. They showed up in the mail one day and you're like, yes, please, let me destroy my life.

• 1:19:52Speaker 03

  The first one, no. I signed up for the first one myself.

• 1:19:55Caleb Hammer?

  Second one showed up?

• 1:19:56Speaker 03

  Second one showed up. They had a really good APR 0% for the first five months.

• 1:20:00Caleb Hammer?

  Five months?

• 1:20:01Speaker 03

  For five months.

• 1:20:02Caleb Hammer?

  Oh.

• 1:20:02Speaker 03

  It was an odd term, but I took it because I wanted to use it as just a gas card.

• 1:20:05Caleb Hammer?

  Good, you're over maxed out. I pay my bills, guys.

• 1:20:11Caleb Hammer?

  664.52. Interest, $14.72. Fees, $8.25. Minimum payment, $34. He purchased on the horrible, horrible, evil Credit One card, $8.25. What did he purchase on? Two McDonald's on that horrible card.

• 1:20:30Speaker 03

  Just in that month, yes.

• 1:20:31Caleb Hammer?

  That's so stupid. It puts you above the limit. You're losing endless interest and fees on a monthly basis here.

• 1:20:39Speaker 03

  What can I say?

• 1:20:39Caleb Hammer?

  You can say, don't do this and close it. Close the card.

• 1:20:43Speaker 03

  Yeah, but doesn't it hurt your credit?

• 1:20:44Caleb Hammer?

  I don't give a... Your credit's nothing. Who gives a...

• 1:20:47Speaker 03

  610, last time I looked.

• 1:20:49Caleb Hammer?

  Yeah, that's not good. Close it.

• 1:20:51Speaker 03

  I thought it was better than normal.

• 1:20:53Caleb Hammer?

  Normal?

• 1:20:53Speaker 03

  720 is normal. It's what I'm taking it as.

• 1:20:56Caleb Hammer?

  Huh?

• 1:20:57Speaker 03

  720 credit score? Isn't that normal?

• 1:20:59Caleb Hammer?

  Is it normal? And you said you're 610?

• 1:21:01Speaker 03

  610 is better than 300.

• 1:21:03Caleb Hammer?

  You just said you're better than normal and then you said normal is 7...

• 1:21:06Speaker 03

  I'm normal, 600.

• 1:21:10Caleb Hammer?

  Editor, roll it back. I don't give a... Your credit's nothing. Who gives a...

• 1:21:15Speaker 03

  610, last time I looked.

• 1:21:17Caleb Hammer?

  Yeah, that's not good. Close it.

• 1:21:19Speaker 03

  I thought it was better than normal.

• 1:21:20Caleb Hammer?

  Normal?

• 1:21:21Speaker 03

  720 is normal.

• 1:21:22Caleb Hammer?

  What the are you?

• 1:21:24Speaker 03

  Can't say. I don't know.

• 1:21:25Caleb Hammer?

  I know, I know. Answering questions is very difficult. Oh, we're at 28.24% interest.

• 1:21:32Speaker 03

  It's better than the firm.

• 1:21:39Caleb Hammer?

  Quicksilver, what's going on with this card?

• 1:21:41Speaker 03

  Is that the big one or the small one?

• 1:21:43Caleb Hammer?

  I don't know which one's which.

• 1:21:45Speaker 03

  Um, so...

• 1:21:46Caleb Hammer?

  Okay, how about this? This one's at $3,245.73. Minimum monthly payment, $116. What's going on with it?

• 1:21:54Speaker 03

  That one was supposed to be my everyday card. That was my first card.

• 1:21:57Caleb Hammer?

  Why would you have an everyday card? You can't manage cards to save your [bleep] life. Who are you to have an everyday card?

• 1:22:04Speaker 03

  Cause I claimed bankruptcy about four years ago?

• 1:22:06Caleb Hammer?

  No, you did not!

• 1:22:07Speaker 03

  I did.

• 1:22:08Caleb Hammer?

  No, you did not!

• 1:22:08Speaker 03

  And they offered me that right after bankruptcy. So I used that supposedly as groceries.

• 1:22:13Caleb Hammer?

  Ladies and gentlemen, this is why we do not debt consolidate, bankruptcy, credit card transfer, pull from 401K to take care of our debt situation until we fix our behavior and show that we can at least maintain a solid budget without [bleep] around for three months because then we end up right back here again. This is another instance of it popping up as usual every time it happens. I'm gonna [bleep] die. This takes 17 years to pay off if you do minimum payments only without any purchases, but guess what? Oh, you purchased. You purchased $130... $193.97 to be exact. And guess what? Open this right after bankruptcy. Oh, we're over the limit by $125.73. Kill me now!

• 1:22:53Caleb Hammer?

  Why?

• 1:22:54Speaker 03

  You gotta live.

• 1:22:55Caleb Hammer?

  You gotta live?

• 1:22:56Speaker 03

  Yeah.

• 1:22:56Caleb Hammer?

  You won't be much longer with McDonald's, candy bars, Apple Bill... Hotel and casinos? Oh, [bleep] off. Rosemount, car spot. There's a fourth. There's a fourth one. A fourth one this month. You. Car wash. So stupid. So stupid. Apple Bill, Apple Bill, [bleep] off. Pull up your phone again, start a screen recording. I'm gonna die. I'm gonna die!

• 1:23:26Caleb Hammer?

  No, not this. I don't give a [bleep] about that.

• 1:23:33Caleb Hammer?

  Dude, you get notifications every five seconds. Bill Tracker Pro, $20 a month?

• 1:23:39Speaker 03

  A year.

• 1:23:40Caleb Hammer?

  Oh, that's okay. That's pretty good. Listen, but that's not as good as a good budgeting app like dollar wise. Whatever.

• 1:23:48Caleb Hammer?

  Stick or go Paramount Plus, golf, Apple TV Plus, golf, iCall Plus. I mean, that's the one I can, I can, one I can allow.

• 1:23:58Caleb Hammer?

  It's just insane, man. It's just insane. Just don't know why you allow this. Just don't know why you even allow this to yourself.

• 1:24:09Caleb Hammer?

  Almost $400 in interest lost this year so far. We're back to credit one, ladies and gentlemen. We made it.

• 1:24:13Speaker 03

  It's the second out of the third card.

• 1:24:15Caleb Hammer?

  Oh my gosh, there's still so much more to go.

• 1:24:19Caleb Hammer?

  $680, at least once this one's only maxed out and not over maxed out. $6893 minimum monthly payment, $35. Yeah, $60 of fees, $60 of interest. Taco Bell, all that for Taco Bell, huh? At almost 30% interest rate.

• 1:24:37Speaker 03

  It's been maxed out for two months.

• 1:24:39Caleb Hammer?

  Shocker. All for Taco Bell.

• 1:24:45Caleb Hammer?

  Another credit one. Good, I'm gonna have to use. We should charge them when I have to use the second piece of paper in my notebook.

• 1:24:55Caleb Hammer?

  This one's also maxed out, $798.54.

• 1:25:03Caleb Hammer?

  Oh, minimum monthly payment, $40. No purchases. Well, we're maxed out. Interest and fees, of course, 105 in interest, 95 in fees. 30% interest. This is insane. This is just insane. Mission Lane, haven't seen this in a second. What's going on with this?

• 1:25:18Speaker 03

  That was gonna be my gas card.

• 1:25:20Caleb Hammer?

  Lots of cards for a lot of things that we all just max out and use on bullshit.

• 1:25:27Caleb Hammer?

  Oh, balance, $586.86, 89 cents. Why did it not turn out to be the gas card? Cause I see you purchasing gas on other cards.

• 1:25:35Speaker 03

  It was just an everyday card and then you didn't have a job, so you have to put things on there.

• 1:25:39Caleb Hammer?

  Why'd you have to go bankruptcy four years ago?

• 1:25:41Speaker 03

  College loan. They wouldn't let me take it off, so I had to do something with all my credit cards.

• 1:25:47Caleb Hammer?

  Dude.

• 1:25:49Caleb Hammer?

  Hundred and fifty-nine dollars of purchases and then fifteen dollars and any sense of interest three years to pay off. I'm gonna die. Oh, it's yeah, maxed out. It's all for Wendy's and gas. Wendy's and gas. Basically eighty bucks in interest this year so far. Wendy's, strength in our lives for Wendy's. It's just so good, so good. Discover it. What's going on with this card? No purchases. Thank well, it's because it's close to max out, but.

• 1:26:13Speaker 03

  That one was the one that I had in college. That was one that they didn't close in the bankruptcy.

• 1:26:19Caleb Hammer?

  Why?

• 1:26:20Speaker 03

  Because that just didn't have a balance. They left it open.

• 1:26:23Caleb Hammer?

  Four hundred thirty-nine dollars, twenty-seven cents, minimum monthly payment, thirty-five dollars. Sixteen months to pay this off.

• 1:26:33Caleb Hammer?

  Forty-one dollars, seventy-three cents of interest this year so far. A spy or MasterCard? I've never even heard of this.

• 1:26:40Speaker 03

  It's another low level, kind of a credit one.

• 1:26:42Caleb Hammer?

  Well done.

• 1:26:46Caleb Hammer?

  Three hundred one dollars, eighty-one cents.

• 1:26:51Caleb Hammer?

  Interest charged, ten bucks this last month, minimum monthly payment, thirty-four dollars and sixty-six cents. Do we need to have a third fat stack week already? This is insane. What are we doing?

• 1:27:03Speaker 03

  Eating out, apparently.

• 1:27:05Caleb Hammer?

  Uh, understatement, big guy. An understatement. This is at a thirty-six percent interest rate. That's insane.

• 1:27:17Speaker 03

  That's new to me.

• 1:27:17Caleb Hammer?

  Lots of fees this year, probably late fees, eighty-five dollars, nineteen dollars and seventeen cents of interest.

• 1:27:25Caleb Hammer?

  Quicksilver, again.

• 1:27:28Speaker 03

  Yep, that's my small one. They offered it me in the mail and I took it because I needed the money. That one was actually for groceries.

• 1:27:35Caleb Hammer?

  Two hundred and sixty-seven dollars and fifty-nine cents, minimum payment, twenty-five dollars. Two hundred sixty-nine dollars and ninety-one cents of purchases at the max.

• 1:27:45Caleb Hammer?

  Crazy. Uh, another car wash, holiday, Raisin Canes, U-Haul moving in storage, Taco Bell, Starbucks, going in and getting some bullshit Taco Bell and more gas. What the [__] are we doing? What the [__]

• 1:28:05Speaker 03

  Sounds like I need treatment for food.

• 1:28:07Caleb Hammer?

  That might be real. Advance.

• 1:28:10Speaker 03

  It's another low lifecard.

• 1:28:12Caleb Hammer?

  New Balance, $203.88.

• 1:28:18Caleb Hammer?

  Yeah, uh, uh... Payment no purchase, interest charge $5.86. Minimum monthly payment, $25. 10 months to pay this off.

• 1:28:34Caleb Hammer?

  Had $75 of fees this year so far, I don't even know what it is.

• 1:28:37Speaker 03

  That's a opening annual fee.

• 1:28:39Caleb Hammer?

  That's a f***ing opening annual. Oh, and interest charge, this is also at a 36% interest rate, dude. 36% interest rates. Oh my gosh, this continues. Toyota Camry!

• 1:28:52Speaker 03

  Yep, that's my car payment.

• 1:28:53Caleb Hammer?

  You got a brand new car while you have all this?

• 1:28:55Speaker 03

  That's why I need the car washes.

• 1:28:57Caleb Hammer?

  While you're unemployed?

• 1:28:58Speaker 03

  I got that in December. That was while I was employed at the chemical company.

• 1:29:02Caleb Hammer?

  Well, you could not afford this at the chemical company. I know what your money was. Not this. Okay, Toyota Camry. $41,000... $149.79. What Americans will do, f*** you, I don't give a sh**. 7% interest rate. Minimum monthly payment on your f***ing income, even less income, which is substantially lower. $752.25. That is insane. Guys, this is paid off in 2031.

• 1:29:32Speaker 03

  Six-year loan.

• 1:29:33Caleb Hammer?

  Next decade. Next decade. What do you think this car's worth that you owe $41,149?

• 1:29:39Speaker 03

  Last time I looked, it was worth $31,000.

• 1:29:42Caleb Hammer?

  That's about right.

• 1:29:43Speaker 03

  Just about. There's a little negative from the last one, because I didn't have gap on my older car. I got backed into at work and they claimed me 50/50 at fault.

• 1:29:51Caleb Hammer?

  Is that your F-150?

• 1:29:53Speaker 03

  Mm-mm.

• 1:29:53Caleb Hammer?

  I mean, told you still owe on a repo from your F-150?

• 1:29:57Speaker 03

  When I was leaving the refinery.

• 1:29:59Caleb Hammer?

  Every bad thing. Is there anything you haven't done that is bad? Payday loans, maybe?

• 1:30:03Speaker 03

  No, I haven't done a payday loan. I won't do that.

• 1:30:05Caleb Hammer?

  Surprising. I doubt that. We'll see.

• 1:30:09Caleb Hammer?

  How much you owe on that repo?

• 1:30:11Speaker 03

  Uh, if I want to take it out in one lump sum, they'll do a 50% cut at about 8,000. But I owe about 16,000 left.

• 1:30:19Caleb Hammer?

  Well, one time at what?

• 1:30:20Speaker 03

  At just about 8,000. So, half of the loan.

• 1:30:24Caleb Hammer?

  This is insane. The car is underwater by $10,000. The borrowing, the difference. Honestly, still might even be worth it. I might borrow 10, I would sell it, borrow 10,000 dollars to cover the gap. Once we make some more progress on debt and boost your credit up. And then borrow 10,000 dollars on a used car that two mechanics approved that will last you safe for a couple of years to come. That gets you down from 41,000 to 20,000 dollars.

• 1:30:47Speaker 03

  Yeah, it would really help.

• 1:30:48Caleb Hammer?

  Yeah, it would really help. Student loans for who?

• 1:30:52Speaker 03

  Me?

• 1:30:52Caleb Hammer?

  Yeah, because we don't have your wife's shit in here. And you said there's double. Okay!

• 1:30:58Speaker 03

  And that's just the government loans.

• 1:31:00Caleb Hammer?

  I'm gonna die. 22,792 dollars and one cent. What's the minimum?

• 1:31:07Speaker 03

  Uh, right now, there is no minimum. You don't have to pay on them because the government's forbidden. Nelnet.

• 1:31:12Caleb Hammer?

  Forbidden?

• 1:31:13Speaker 03

  Yeah. Nelnet's being sued.

• 1:31:15Caleb Hammer?

  Poor parents. Nelnet's being sued?

• 1:31:18Speaker 03

  Yep.

• 1:31:19Caleb Hammer?

  That's why? No, but that's just a student loan servicer. Were you on the safe plan?

• 1:31:23Speaker 03

  Mm-hmm.

• 1:31:24Caleb Hammer?

  That's why. That starts next year. That starts in the summer. I think it's June or July. I doubt it's because of Nelnet. I felt like-

• 1:31:31Speaker 03

  That's the Nelnet one.

• 1:31:32Caleb Hammer?

  Yes, yes, yes, I know. What is? Firstmark?

• 1:31:37Speaker 03

  Yeah. That's my private student loans.

• 1:31:42Caleb Hammer?

  Nelnet's a federal student loan servicer.

• 1:31:45Speaker 03

  But they're serviced by Nelnet.

• 1:31:46Caleb Hammer?

  This is not Nelnet. This is Firstmark. Are they owned by Nelnet? Maybe? I don't know. Oh, for-

• 1:31:55Speaker 03

  That's about 56,000.

• 1:31:56Caleb Hammer?

  No, this is my last thing. That means I don't have savings. That means I don't have retirement.

• 1:32:00Speaker 03

  Or 401K.

• 1:32:01Caleb Hammer?

  That's retirement.

• 1:32:03Speaker 03

  Well, you have an IRA and a Roth IRA through work too.

• 1:32:05Caleb Hammer?

  For your work?

• 1:32:06Speaker 03

  You can.

• 1:32:07Caleb Hammer?

  Not for your work, that's your own private retire-

• 1:32:10Speaker 03

  I just consider retirement.

• 1:32:11Caleb Hammer?

  It is retirement. There are retirement and there's none.

• 1:32:14Speaker 03

  Nope.

• 1:32:14Caleb Hammer?

  Okay, then what? Oh.

• 1:32:16Speaker 03

  Dude, you are such a creature.

• 1:32:20Caleb Hammer?

  Man.

• 1:32:21Speaker 03

  That's why my wife married me. I'm different.

• 1:32:26Caleb Hammer?

  Your student loans will be about 250 bucks. Actually, you're gonna be automatically enrolled into the RAP Plan repayment assistance program. At your income level, household income, I'm gonna assume your payment is gonna be like a hundred bucks a month. Okay? Maybe 50. We don't have to worry about that.

• 1:32:40Speaker 03

  Cool.

• 1:32:40Caleb Hammer?

  Okay, private student loans? What was your degree?

• 1:32:43Speaker 03

  I was going for mechanical engineering at Iowa State.

• 1:32:46Caleb Hammer?

  You probably should, going for? You dropped out.

• 1:32:49Speaker 03

  Dropped out after.

• 1:32:49Caleb Hammer?

  Well, you probably should have kept that high paying job and moved for it, fixed your finances and then moved back. Oh, my life. Fifty three thousand nine hundred seventy dollars and thirteen cents.

• 1:33:02Speaker 03

  Out of state.

• 1:33:03Caleb Hammer?

  Hmm, no, it wasn't.

• 1:33:09Caleb Hammer?

  They don't move monthly?

• 1:33:11Speaker 03

  When I was, on that one, it's paused currently, but when I was paying, it was roughly 540 something.

• 1:33:17Caleb Hammer?

  When does it resume?

• 1:33:18Speaker 03

  Uh, I don't know yet.

• 1:33:19Caleb Hammer?

  It's just accruing interest while you're just sitting here.

• 1:33:21Speaker 03

  As well.

• 1:33:22Caleb Hammer?

  Forbearance.

• 1:33:23Speaker 03

  Forbearance.

• 1:33:23Caleb Hammer?

  A forbiddance.

• 1:33:25Speaker 03

  Forbearance, yeah.

• 1:33:28Caleb Hammer?

  You don't know when that ends? You logged in. Well, well, that's gonna be death when that happens and it's gonna be higher now because you're, it's just scaling because it's accruing interest.

• 1:33:41Caleb Hammer?

  I mean, listen. Your optional interest payment alone is 1,387.

• 1:33:53Caleb Hammer?

  Yeah.

• 1:33:58Caleb Hammer?

  Extension.

• 1:34:02Caleb Hammer?

  Till.

• 1:34:06Caleb Hammer?

  It's at a 11% interest, right? Daily interest.

• 1:34:12Caleb Hammer?

  Estimate a payoff through...

• 1:34:13Speaker 03

  Yeah, it's a variable loan.

• 1:34:15Caleb Hammer?

  Well, it's going down then, but... It won't be good. I wish I could see when it ended.

• 1:34:22Caleb Hammer?

  Good luck us making a budget. Are you gonna do that car thing I talked about?

• 1:34:26Speaker 03

  I want to.

• 1:34:26Caleb Hammer?

  Okay, now I'm crossing out the car. I'm gonna make your new minimum monthly payment, uh, approximately $400, okay? And you'll have a $20,000 loan for that.

• 1:34:38Caleb Hammer?

  Okay?

• 1:34:39Speaker 03

  Okay. What's the typical credit you would need for a loan like that?

• 1:34:42Caleb Hammer?

  Um... Well, I actually saw on one of your credit reports about 650. It's gonna be a debt-to-income ratio that's rough.

• 1:34:49Speaker 03

  So that's probably why they don't approve me for loans.

• 1:34:51Caleb Hammer?

  No, you could get a car loan. It'll be a shit car loan, but it'll still be the lower balance that you aggressively pay off anyway, so it still works.

• 1:34:58Speaker 03

  So it'd be through, like, Capital One or something?

• 1:35:01Caleb Hammer?

  Yeah, you might. You're gonna trade in possibly maybe a negative equity position. You're gonna take out a shit loan, like, close to like 19%. Something like that. Yeah, it's gonna suck, but it doesn't matter, cuz you're not gonna have it for long, cuz you're gonna include it in your snowball. But a car companies will approve you for shit loans.

• 1:35:16Caleb Hammer?

  You only get a car that you're able to take to two different independent mechanics and get their sign off. So we'll do that. That's the first thing you're gonna do when you get home, okay? You're gonna start looking into it, and that's how we're gonna budget you. But we'll see the difference. You'll see the difference. Okay, total income, cuz it's only just you, $3,400, cuz you guys are really weird, and I'm gonna call you, his wife, in the post-show. So stay tuned for that. An extra 20 minutes of each episode. Debt minimum monthly payment...

• 1:35:44Caleb Hammer?

  Yeah, let me add this up.

• 1:35:47Caleb Hammer?

  Good the f- luck me. $23.43 a month again. We're at like 35% interest. This is forever. $301.81.

• 1:36:00Caleb Hammer?

  Interest charge, $10, last month. Minimum monthly payment, $34. New balance, $203.88.

• 1:36:11Caleb Hammer?

  Yeah, uh.

• 1:36:15Caleb Hammer?

  Payment, no purchase, interest charge $5.86. Minimum monthly payment, $25. Ten months to pay this off. Max out, $798.54. Editor, you should make this like some sick montage or something.

• 1:36:31Speaker 05

  Whatever, I'll do what I want!

• 1:36:33Caleb Hammer?

  $1,364.59. So that's like half your pay gone. Good. Now mortgage, how is that paid if we're like?

• 1:36:44Speaker 03

  Rent.

• 1:36:45Caleb Hammer?

  Rent, how is that paid if it's like you and her and? How do I calculate this?

• 1:36:50Speaker 03

  My mom pays a thousand towards rent. My wife pays the other 1,600 right now.

• 1:36:55Caleb Hammer?

  And you pay?

• 1:36:57Speaker 03

  I don't pay anything currently.

• 1:36:59Caleb Hammer?

  What about utilities?

• 1:37:00Speaker 03

  I used to pay the other half.

• 1:37:01Caleb Hammer?

  What about utilities?

• 1:37:02Speaker 03

  Utilities, about 600.

• 1:37:04Caleb Hammer?

  Do you pay that?

• 1:37:05Speaker 03

  Yes.

• 1:37:05Caleb Hammer?

  Okay. Is that including the internet?

• 1:37:08Speaker 03

  Yes.

• 1:37:09Caleb Hammer?

  Phone bill?

• 1:37:10Speaker 03

  Phone bill's about 230.

• 1:37:12Caleb Hammer?

  Switch to helium whenever you're done paying off these phone bills if the emobile's good there for 15 bucks a month. That's crazy, 230 is fucking insane. Gas, vroom vroom, drive drive.

• 1:37:22Speaker 03

  If I would have to guess, probably 130 a month?

• 1:37:25Caleb Hammer?

  Dude, I don't know, I saw a lot of gas. I saw a lot of gas, I'd get closer to. Listen, what I saw, actually.

• 1:37:35Caleb Hammer?

  I had 591. But...

• 1:37:38Speaker 03

  That's probably because of DoorDash.

• 1:37:41Caleb Hammer?

  We're not calculating, okay, I'm gonna say 200 then.

• 1:37:45Caleb Hammer?

  Car insurance?

• 1:37:46Speaker 03

  Insurance for both of us.

• 1:37:48Caleb Hammer?

  Well, do you pay for both?

• 1:37:49Speaker 03

  Yes.

• 1:37:50Caleb Hammer?

  This is so weird.

• 1:37:51Speaker 03

  Yes, it's 341 a month.

• 1:37:54Caleb Hammer?

  Okay, necessary food, how does the grocery spending work in the house?

• 1:37:57Speaker 03

  I pay for it.

• 1:37:59Caleb Hammer?

  Okay, do you have to shop for mom? Good.

• 1:38:04Speaker 03

  I'd say about 250.

• 1:38:06Caleb Hammer?

  What?

• 1:38:07Speaker 03

  A week?

• 1:38:09Caleb Hammer?

  I was gonna say about a thousand.

• 1:38:11Speaker 03

  Well, one's on formula still, but pretty soon they're gonna switch her over.

• 1:38:15Caleb Hammer?

  Horrible cheap, a thousand bucks. TP fund, anything else you and the family need to survive? We could probably do 300. Medical healthcare, co-pays?

• 1:38:23Speaker 03

  Uh, we don't have a co-pay plan, but it's, uh, what was it? $150 a paycheck?

• 1:38:32Speaker 03

  For the plan?

• 1:38:33Caleb Hammer?

  Oh, yeah, but that gets taken out prior.

• 1:38:34Speaker 03

  Yeah, prior. So technically.

• 1:38:36Caleb Hammer?

  Gym? Is there a gym?

• 1:38:37Speaker 03

  Mm-mm. Clearly not.

• 1:38:39Caleb Hammer?

  Subscriptions? Let's try 40. Are there pets?

• 1:38:41Speaker 03

  Yes.

• 1:38:42Caleb Hammer?

  What?

• 1:38:43Speaker 03

  A dog and a cat.

• 1:38:44Caleb Hammer?

  H is in health?

• 1:38:45Speaker 03

  Uh, they're both good. One's almost five, one's almost four.

• 1:38:51Caleb Hammer?

  Hundred fifty for pet insurance. Pet food, how much?

• 1:38:54Speaker 03

  Uh, the cat, sixteen bucks. We get the bigger bag. Uh, the dog has to be on a special diet. She's.

• 1:39:01Caleb Hammer?

  How much?

• 1:39:02Speaker 03

  About sixty a month.

• 1:39:04Caleb Hammer?

  Seventy-six. Anything else that needs to be in your budget that I have not put in?

• 1:39:08Speaker 03

  Nope.

• 1:39:12Caleb Hammer?

  Oh, and we're by a thousand dollars. Four thousand, three hundred, one dollars and fifty-nine cents is owed, and that's with us getting you a cheaper car. Okay, so, yep, underwater by a thousand dollars, but it's weird with the, I, I'm still confused how you're doing it with the wife coming in, blah, blah, blah, blah, blah. I, uh, this is, I'm sorry. Here's the actual probably plan. Listen, if it, if it works by the seventy percent you take, but you pay other bills with it, you said, which is not calculated here, which is so confusing, so I'm just gonna assume you can't afford it. You're already working, you're already doing DoorDash.

• 1:39:45Caleb Hammer?

  Prove for three to six months that you can actually follow the budget, change your lifestyle, change your behavior, and then go through bankruptcy again. That's pretty much it. Like, you're, you.

• 1:39:58Speaker 03

  You've. Technically, you can't claim bankruptcy again for seven years. So I'd have three.

• 1:40:04Caleb Hammer?

  You might just let your credit card die. Go to, go all collections and just. Do some debt consolidations. Take whatever tools you can, cuz you can't pay for this. This is done. But you needed to change your behavior before you do any of that for at least three months consistently, no relapses. And that means facing your addiction that you likely have.

• 1:40:25Caleb Hammer?

  Those are what we can do now. That's it. That's pretty much it.

• 1:40:29Speaker 03

  There's one thing I thought of. I brought all my credit cards. We cut them up.

• 1:40:32Caleb Hammer?

  That's not gonna do anything. These are minimums payments. I'm not talking about your lack of spending. I don't give a fuck about that. I mean, yes, that is behavioral change. Congratulations, cool, but you can just reorder them, so that doesn't matter.

• 1:40:44Caleb Hammer?

  I'm sorry, you probably wanted to have a moment, but that's not the concern here. Alright, I'm gonna call his wife in the post-show. Let's get his Hammer Financial Score and then I'll call his wife. But click that join button to join Hammer Elite for the post-show. Spending or budget overspend, zero out of 10. Debt, I mean, yeah, I mean, there is, there's the $7,000 debt I even do for unemployment. Zero out of 10. Emergency fund, nothing. Zero out of 10. Retirement, nothing. Zero out of 10. Real estate, nothing. Zero out of 10. It's a Hammer Financial Score, zero out of 10. Join Hammer Elite. Click that join button. Get three premium shows every single day, Monday through Friday, including this Financial Out of Post Show, which is an extra 20 minutes of every episode. I'm gonna call his wife and it's gonna get juicy.

• 1:41:30Caleb Hammer?

  We are calling the wife! How bad do you think it is? How much debt do you think he has?

• 1:41:34Speaker 05

  Four housing?

• 1:41:37Caleb Hammer?

  Let's try... $133,779.

• 1:41:44Speaker 05

  Oh dear God. You're messing up. Big time. Oh, that's funny.

• 1:41:50Caleb Hammer?

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

• 1:42:00Speaker 06

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