If Her Husband Sees This, It's Over. | Financial Audit

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 0:03Speaker 01

  I do have a secret spreadsheet.

• 0:05Caleb Hammer?

  Why do you hide things from him?

• 0:06Speaker 01

  I just don't want him to be disappointed.

• 0:07Caleb Hammer?

  But this is worse. You're hiding.

• 0:09Speaker 01

  My husband told me if I pay everything off, I can get another.

• 0:12Caleb Hammer?

  That's a good motivation, but guess what? We're going through $173,000 in debt, so good luck you.

• 0:17Speaker 01

  I didn't realize we were having a dick measuring contest.

• 0:19Caleb Hammer?

  We are, and I'm slapping a massive one on the table.

• 0:24Caleb Hammer?

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

• 0:30Speaker 01

  Hi, I'm Victoria. I'm 34 years old. I live in Houston, Texas, and this is Financial Audit.

• 0:37Caleb Hammer?

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

• 0:41Speaker 01

  So I am a clinical supervisor for a behavioral health department.

• 0:47Caleb Hammer?

  How much does that make?

• 0:48Speaker 01

  I am salaried at $51.5.

• 0:50Caleb Hammer?

  Okay, I wouldn't have known. How's $51.5 stretching in Houston?

• 0:56Speaker 01

  Because I am a two-home household, it's fine. I would never be able to live here.

• 1:01Caleb Hammer?

  It's a dual household income?

• 1:02Speaker 01

  Yeah, it's me and my husband.

• 1:04Caleb Hammer?

  Where's the husband?

• 1:05Speaker 01

  Uh, working, making money.

• 1:07Caleb Hammer?

  Why are we not looking at both y'alls finances?

• 1:10Speaker 01

  Um, because he has his life in order and I don't.

• 1:14Caleb Hammer?

  Wait, are you guys not combined?

• 1:15Speaker 01

  We have a, um, we have one account that we share that's only for bills.

• 1:22Caleb Hammer?

  And then the rest is all separate?

• 1:23Speaker 01

  And then we each have our own checking account.

• 1:25Caleb Hammer?

  Okay, so it would be in it. Well, what about the debts? What about the debts that I have?

• 1:31Speaker 01

  So those are all mine.

• 1:32Caleb Hammer?

  Okay, so this is like an individual audit. Why are you guys not like combining my debts, her debt, her debt, my debt?

• 1:38Speaker 01

  Because I spent it, so, because I, like, they're my credit cards.

• 1:43Caleb Hammer?

  Okay, so that's why we're just talking to you, because you guys keep things kind of separate.

• 1:46Speaker 01

  Yeah.

• 1:47Caleb Hammer?

  Uh, that's interesting. How long have you guys been married?

• 1:49Speaker 01

  It'll be two years.

• 1:51Caleb Hammer?

  Why are, are we keeping everything separate? I guess you feel some ownership on this debt, which I get, but what's the conversation around this? What's his perspective? What's your perspective?

• 2:01Speaker 01

  Um.

• 2:04Speaker 01

  Well.

• 2:05Caleb Hammer?

  Oh, interesting. Okay.

• 2:06Speaker 01

  I got the credit cards.

• 2:07Caleb Hammer?

  Do you know his perspective?

• 2:08Speaker 01

  Oh, yeah.

• 2:09Caleb Hammer?

  Articulate his perspective?

• 2:10Speaker 01

  So we used to actually sit down every Sunday and we would have like financial talks.

• 2:14Caleb Hammer?

  It's a good habit.

• 2:15Speaker 01

  And I stayed on top of things, but then we stopped having those.

• 2:19Caleb Hammer?

  Why?

• 2:20Speaker 01

  Because everything was good and we didn't need to have them anymore.

• 2:23Caleb Hammer?

  If everything was good because of the action we were doing behind it, I don't think we stopped doing the action behind it that got us good and expect to stay good.

• 2:32Speaker 01

  Yeah.

• 2:32Caleb Hammer?

  That doesn't make any sense. So literally everything was good and you just stopped. When did you guys stop?

• 2:38Speaker 01

  Uh.

• 2:38Caleb Hammer?

  This debt is so beyond indebted. This can't possibly only be between then. Well, how long? How long has it been?

• 2:45Speaker 01

  Like all my debt?

• 2:46Caleb Hammer?

  No, no, no, no, no. Since you stopped having the little conversation on Sunday, a little Sunday time conversation.

• 2:50Speaker 01

  Like a year, probably.

• 2:51Caleb Hammer?

  This was a year.

• 2:52Speaker 01

  Mm hmm.

• 2:52Caleb Hammer?

  This is calculated within a year. This is stacked in a year.

• 2:56Speaker 01

  Mm hmm.

• 2:56Caleb Hammer?

  Was he following along? Did he know?

• 2:59Speaker 01

  I think he knows bits and pieces.

• 3:01Caleb Hammer?

  He doesn't even know the full picture. Oh, okay. I get it. I understand why you're here.

• 3:06Speaker 01

  He is, his philosophy is always as long as the bills are paid, that's all he cares about. And I.

• 3:11Caleb Hammer?

  Yeah, you're taking out earning.

• 3:12Speaker 01

  Yeah.

• 3:13Caleb Hammer?

  So I don't think the bills are paid.

• 3:15Speaker 01

  Yeah.

• 3:15Caleb Hammer?

  Sorry. I'm gonna need it quick. I don't think the bills are paid.

• 3:18Speaker 01

  Yeah.

• 3:20Caleb Hammer?

  This is like in a confessional for you? Is this like you making a confession?

• 3:24Speaker 01

  So part of it is it's gonna be a little bit because I do have a secret spreadsheet.

• 3:30Caleb Hammer?

  A secret spreadsheet?

• 3:31Speaker 01

  Yeah.

• 3:31Caleb Hammer?

  What the fuck is a secret spreadsheet?

• 3:33Speaker 01

  My husband and I have a spreadsheet that we both like collaborate on. That's where we're like, oh, you put this much money in the bank account for this bill. Cause like we split things, right? Like insurance, stuff like that. But then I have a separate one that he doesn't see where it shows exactly how much I've like all my affirmed debts are on there. And all my credit card debts are on there. Things that he can't see on our.

• 3:57Caleb Hammer?

  Why?

• 3:58Speaker 01

  Because I don't want him knowing how much.

• 4:00Caleb Hammer?

  Why? Why? What would happen if he knew? Would he help? Would he get angry?

• 4:05Speaker 01

  So he's helped me before and I don't want.

• 4:09Caleb Hammer?

  What happened?

• 4:10Speaker 01

  Um, so I'm in college. I'm a graduate student.

• 4:12Caleb Hammer?

  Okay, for what?

• 4:14Speaker 01

  For counseling.

• 4:15Caleb Hammer?

  Cool.

• 4:15Speaker 01

  Yeah.

• 4:16Caleb Hammer?

  Makes sense. Lines up.

• 4:17Speaker 01

  Yeah. I dropped, I did drop out of a class. So my classes are like 10 weeks long. And I dropped out past the point where like I didn't have to pay. So I still ended up having to pay in the $4,000 for my semester, even though I didn't attend the classes. And I couldn't go to my next semester until that $4,000 was paid and he covered me. He was like, here you go. So.

• 4:40Caleb Hammer?

  So what's the issue? So he did that. Okay. Because he's your husband.

• 4:45Speaker 01

  Yeah.

• 4:46Caleb Hammer?

  Is that bailing or is it helping put in his wife through college? I'm a little confused.

• 4:49Speaker 01

  I mean, he.

• 4:50Caleb Hammer?

  Like if my wife was going to college, I would probably pay for her college as the breadwinner. And I don't think that's me bailing her out.

• 4:56Speaker 01

  Right. I guess, I don't know. That's my perspective on it, but he like he'll say like.

• 5:01Caleb Hammer?

  You guys aren't together. It's him, you.

• 5:02Speaker 01

  Yeah.

• 5:03Caleb Hammer?

  Why is it him, you? It's not. It's you guys.

• 5:06Speaker 01

  I don't know. I'm still getting used to that, I guess.

• 5:09Caleb Hammer?

  How? It's been two years.

• 5:10Speaker 01

  Of being married. Oh, yeah. I don't know.

• 5:12Caleb Hammer?

  Well, how long have you guys been together before that?

• 5:14Speaker 01

  Four years. Oh, but before that, I'm sorry. We met in 20.

• 5:18Caleb Hammer?

  You think he'll let us talk to him if we call him in the post show? We should do phone calls in the post show.

• 5:22Speaker 01

  Yeah.

• 5:23Caleb Hammer?

  All right. So you'll admit this.

• 5:24Speaker 01

  I will.

• 5:24Caleb Hammer?

  In the post show.

• 5:26Speaker 01

  He knows, he knows most of it. He doesn't know about the secret spreadsheet though.

• 5:31Caleb Hammer?

  It's fucking crazy dude. Imagine having, imagine the financial infidelity being a secret spreadsheet.

• 5:39Speaker 01

  Well, and that's kind of where my budgeting, my budgeting gets messed up is because I budget all my major goals. But then I forget about my credit cards because they're not on the same sheet.

• 5:48Caleb Hammer?

  Then no, you don't anymore. Before you leave here, you're downloading the simpler budget app. That's our budget app made specifically for people like you. You're going to download it. You get premium forever. They get a free trial, but you get premium forever. So take advantage of that. Sit down with the meet or hang out with the financial advisors in their, in their weekly sessions and take the classes. Connect your accounts. You'll never miss. That's crazy. Yeah. I mean, budgeting wouldn't work if it's not all in one place. If we have multiple different things for one budget, that doesn't make any sense. So what does he think is happening then? When you have all this extra money going to things that doesn't make sense? Like, how is that? So he has eyes on some of it, but it would have to be, there would have to be red flags, payments and whatnot, and just money disappearing.

• 6:34Speaker 01

  So he used to know about the earning app that I use.

• 6:37Caleb Hammer?

  Used to?

• 6:38Speaker 01

  Used to, and then he made me delete it from my phone.

• 6:41Caleb Hammer?

  Which is probably a good thing to do, but making you delete it isn't actually teaching you.

• 6:46Speaker 01

  No, because I re-downloaded it. Yeah. Yeah. So I don't think he knows that I'm still using that.

• 6:52Caleb Hammer?

  Right. Of course not.

• 6:55Speaker 01

  Yeah.

• 6:56Caleb Hammer?

  Okay.

• 6:59Caleb Hammer?

  It's gonna be an interesting situation. That is beyond deaded. So we'll jump into it. I want to see self-assessed where you think you are, though. Where do you think you are zero to 10 in terms of financial scores, even in the worst 10 being the best? Where would you self-assess yourself?

• 7:15Speaker 01

  I would say like a one.

• 7:19Caleb Hammer?

  Good. That's reasonable. If you want your Hammer Financial Score, link is in the description below. And if you want to come on here, Beyond Financial Audit, down here in Austin, Texas, I'll give you a good verbal

• 7:31Caleb Hammer?

  and you'll hang out with all our producers and have a good time. Go to CalebHammer.com/apply. I am gonna ask about this, actually. So I've asked, I like to ask about this here and there because there's some confusion out there sometimes. You, you applied to come on the show, just like many of them are. Did you fully understand the process multiple times over?

• 7:50Speaker 01

  Oh, yeah.

• 7:51Caleb Hammer?

  Were you fully aware of the thumbnail process?

• 7:55Speaker 01

  Yes.

• 7:55Caleb Hammer?

  And that I'm gonna beat you up and we're gonna make jokes and stuff like that. You're fully aware of that?

• 8:01Speaker 01

  Fully aware, 100%.

• 8:02Caleb Hammer?

  Um, cool. So let's jump into the day, yeah?

• 8:04Speaker 01

  Yeah.

• 8:05Caleb Hammer?

  One out of 10?

• 8:06Speaker 01

  Yep. And I feel like that's being probably like graceful.

• 8:12Caleb Hammer?

  So we have the Citi Advantage Platinum Card. What's going on with this card?

• 8:19Speaker 01

  So I got that card specifically because I travel a lot. And

• 8:24Caleb Hammer?

  And what was the thought behind it?

• 8:27Speaker 01

  The free miles?

• 8:28Caleb Hammer?

  Free miles?

• 8:29Speaker 01

  Yeah.

• 8:30Caleb Hammer?

  If we

• 8:31Speaker 01

  If I, if I use it.

• 8:33Caleb Hammer?

  Use it?

• 8:34Speaker 01

  Yeah.

• 8:34Caleb Hammer?

  Well, use the card?

• 8:35Speaker 01

  Yeah.

• 8:36Caleb Hammer?

  Okay, what about the interest that is occurring? You think that possibly

• 8:40Speaker 01

  Well,

• 8:40Caleb Hammer?

  our balance is the miles?

• 8:42Speaker 01

  Maybe, probably not, but my thought was

• 8:46Caleb Hammer?

  Yes, let's hear this.

• 8:47Speaker 01

  I, my goal was to make that kind of like my card, right? Like my

• 8:52Caleb Hammer?

  Card, why do you need a card?

• 8:54Speaker 01

  To get the

• 8:54Caleb Hammer?

  Credit card?

• 8:55Speaker 01

  To get the miles.

• 8:55Caleb Hammer?

  Specifically for the miles.

• 8:56Speaker 01

  I would use it for like everyday spending and then just like pay it off as soon as like the purchase went through and then I wouldn't have interest because I'm paying it automatically, but I'm also earning the mileage to get free flights. Um, but that hasn't happened.

• 9:12Caleb Hammer?

  You mean it hasn't happened?

• 9:13Speaker 01

  I mean, I've gotten miles and I've got, I think I've used one free flight.

• 9:16Caleb Hammer?

  What's, what's like the cash value of the miles you're getting per dollar that you spend?

• 9:19Speaker 01

  I don't know.

• 9:20Caleb Hammer?

  You don't know? You don't know what's happening on, what's the point of getting the card to be my special little card? If you don't even know what's happening on it?

• 9:26Speaker 01

  I don't know.

• 9:26Caleb Hammer?

  You don't, okay. That's a lot of I don't knows so far.

• 9:29Speaker 01

  Yeah, I, I've never just looked, I guess, like I've never done the math for that, but I, that's important to me because I am from New York and I travel back there a lot.

• 9:42Caleb Hammer?

  Houston now?

• 9:43Speaker 01

  I am in, yeah, no, I've been here about

• 9:44Caleb Hammer?

  Travel back to New York, uh, for the fam?

• 9:47Speaker 01

  For, yep, family, my daughter's out there, so

• 9:49Caleb Hammer?

  You have a daughter?

• 9:50Speaker 01

  I do.

• 9:51Caleb Hammer?

  Not with this husband?

• 9:52Speaker 01

  No.

• 9:53Caleb Hammer?

  Okay, how's your kid?

• 9:54Speaker 01

  Nine.

• 9:55Caleb Hammer?

  Do we have any other kids?

• 9:56Speaker 01

  I have a stepdaughter, she's seventeen.

• 9:58Caleb Hammer?

  Oh.

• 9:59Speaker 01

  Yeah.

• 9:59Caleb Hammer?

  How's your, with the new husband? Did you have an ex-husband?

• 10:04Speaker 01

  Yes.

• 10:05Caleb Hammer?

  When'd you guys get divorced?

• 10:06Speaker 01

  Um, so we separated in

• 10:09Caleb Hammer?

  Separated and divorced?

• 10:11Speaker 01

  No, because I didn't want to go through all that, so

• 10:14Caleb Hammer?

  Hold on, but you're married now?

• 10:15Speaker 01

  Right, so I got

• 10:16Caleb Hammer?

  Did you get a divorce?

• 10:17Speaker 01

  Divorced after I got engaged, so I could

• 10:21Caleb Hammer?

  Yeah, okay.

• 10:22Speaker 01

  Divorce is complicated and confusing.

• 10:24Caleb Hammer?

  It's complicated and confusing, but you got engaged?

• 10:26Speaker 01

  Yeah.

• 10:27Caleb Hammer?

  Just feels a bit wrong to me.

• 10:29Speaker 01

  Yeah, uh, we were separated for like six years, so like my ex-husband and I before, because

• 10:35Caleb Hammer?

  How's your, how's your current husband?

• 10:37Speaker 01

  Thirty-five.

• 10:38Caleb Hammer?

  Okay, okay, he just had a kid young.

• 10:40Speaker 01

  Yeah, he was eighteen.

• 10:41Caleb Hammer?

  Yeah.

• 10:42Speaker 01

  Yeah.

• 10:42Caleb Hammer?

  That makes sense.

• 10:43Speaker 01

  Yep.

• 10:43Caleb Hammer?

  Geez, so, okay, nine-year-old and seven-year-old?

• 10:46Speaker 01

  Yeah, a little bit of a gap there.

• 10:48Caleb Hammer?

  Oh, how often do you see this kid?

• 10:51Speaker 01

  Uh, at least three times a year.

• 10:53Caleb Hammer?

  Okay.

• 10:55Caleb Hammer?

  What is the custody situation around that then?

• 10:58Speaker 01

  Uh, he's got full because he lives in New York with her, but I visit. Like I visit on all the major things. So I visit on her birthday.

• 11:07Caleb Hammer?

  Did you leave immediately to down to Houston? Like, why, why'd he get full?

• 11:11Speaker 01

  He's had it, um, because so after we separated, we still live together.

• 11:17Caleb Hammer?

  Yeah.

• 11:18Speaker 01

  Because it was easier and he doesn't work.

• 11:20Caleb Hammer?

  Well, I guess when you got the divorce, it was you were down here.

• 11:24Speaker 01

  Yes.

• 11:25Caleb Hammer?

  Okay.

• 11:26Speaker 01

  Yeah, my life's messy.

• 11:29Caleb Hammer?

  Yeah.

• 11:31Speaker 01

  So.

• 11:31Caleb Hammer?

  You'd see your kid more if you weren't being stupid with that. Again, this car is at $1,881.77.

• 11:37Speaker 01

  My husband helps me with flights sometimes.

• 11:39Caleb Hammer?

  Well, he better because you have no money, but you're getting this for the point.

• 11:42Speaker 01

  Right.

• 11:42Caleb Hammer?

  You'd see her more.

• 11:43Speaker 01

  Right.

• 11:44Caleb Hammer?

  Okay, but why does he have full custody?

• 11:46Speaker 01

  Because.

• 11:47Caleb Hammer?

  Just because he's up there, you're down here. And when you filed for divorce, you were down here?

• 11:50Speaker 01

  Yes.

• 11:51Caleb Hammer?

  Okay.

• 11:51Speaker 01

  Yeah.

• 11:53Caleb Hammer?

  Why are you down here?

• 11:55Speaker 01

  Um, because I met my husband during COVID, my now husband.

• 11:59Caleb Hammer?

  Yeah.

• 11:59Speaker 01

  I met during COVID when I was still living in New York.

• 12:03Speaker 01

  We met playing video games and I actually had no interest on like meeting anyone. And, but I was really lonely and I wanted attention. So I was like extra flirty with him just to like make him fall for me. But then he did, and I trapped myself and we actually like got feelings and I hate New York, so I wanted to get out of there anyways.

• 12:25Caleb Hammer?

  Your kid is in New York?

• 12:26Speaker 01

  She is, yeah, but.

• 12:27Caleb Hammer?

  Okay.

• 12:28Speaker 01

  Yeah. New York, there's no, I came from a very small city.

• 12:31Caleb Hammer?

  That has been very hard to leave.

• 12:33Speaker 01

  Very hard. Um.

• 12:35Caleb Hammer?

  Why'd you end up making that choice though overall?

• 12:37Speaker 01

  I compared like the pros and cons. Um, the Houston area definitely had a lot more opportunities than what was available.

• 12:44Caleb Hammer?

  Yeah, but now you're only seeing her three times a year. That's a huge con.

• 12:47Speaker 01

  Yeah. She will, we're gonna get her, um, starting this year. She's gonna fly down for the summer. So.

• 12:53Caleb Hammer?

  The whole summer? That's nice.

• 12:55Speaker 01

  Yes.

• 12:55Caleb Hammer?

  And he's cool with that?

• 12:56Speaker 01

  Yes. Yep.

• 12:58Caleb Hammer?

  Okay, so on here.

• 13:02Caleb Hammer?

  How many points have you accumulated? Like, what and what are they worth then?

• 13:05Speaker 01

  I think the most points I even got was just for opening the card. Um, cause I got like the bonus, but.

• 13:13Caleb Hammer?

  Accumulated this period. What's the period considered? Just this? Like, what's the total amount? Is it the 1300 that I'm seeing on here? And I want to do some demonstration here.

• 13:23Speaker 01

  Yeah, that probably sounds about right. 1300 is the balance on it?

• 13:27Caleb Hammer?

  No, no, I'm talking about the, the, the.

• 13:29Speaker 01

  All the points.

• 13:30Caleb Hammer?

  Rewards. I'm trying to figure out how many miles you got.

• 13:33Speaker 01

  I don't know.

• 13:33Caleb Hammer?

  You don't know how many miles you have?

• 13:35Speaker 01

  I could probably pull.

• 13:36Caleb Hammer?

  You have all the, yeah, pull it up. Cause your whole reason for this was getting miles. I want to make a, a point.

• 13:42Speaker 01

  I think I did just buy a flight with my miles too, which is probably why there's not that many.

• 13:50Caleb Hammer?

  Am I being too mean?

• 13:51Speaker 01

  No.

• 13:51Caleb Hammer?

  More mean than you expected? Bad credit sucks. Let's just call it what it is. It's the reason people can't get a car loan, struggle to rent an apartment or pay way too much in interest on everything. But what if I told you there's a way to build your credit that doesn't involve risky credit cards or sketchy loans? Say hello to today's sponsor, Kickoff. So here's the deal. Kickoff is the easiest, most affordable way to start building your credit fast. For just a few bucks a month, Kickoff reports your payments to all three major credit bureaus. So yeah, that's it. You simply make on time payments for your monthly plan. Bureaus see good behavior and you're building credit.

• 14:32Caleb Hammer?

  And the best part, there's no credit check, no interest and absolutely no hidden fees. You just pick a plan starting at $5 a month, set up autopay and let Kickoff do the heavy lifting. It's credit building on autopilot. If your credit is under 600, you could jump 28 points in just your first month. Still not convinced? Kickoff goes beyond just building credit. Their plans include free credit monitoring and tools to help you keep track of your credit progress. Plus with their premium plans, if you're a renter, you can even report your rent payment to help build your credit even faster. This isn't some complicated system. It's a simple, safe. way to improve your credit so that you can start unlocking better opportunities,

• 15:16Caleb Hammer?

  lower interest rates and better loan options and more, all without the risk of overspending or falling into more debt. Head to getkikoff.com/caleb and start your first month for as little as $1. That's get K I K O F F dot com slash Caleb. Don't let bad credit be a problem that's holding you back and check out kickoff today. Okay, you're literally, you're getting $2.20 in fees. What is this? What is, what is this? Purchases, uh, $512 there and then $169 there and then interest 3783 with a minimum monthly payment of $88.05. I need to know these points.

• 15:55Speaker 01

  I'm looking. I don't, I've never, hmm.

• 15:59Caleb Hammer?

  What is the point of this? How long have you had this card?

• 16:02Speaker 01

  Uh,

• 16:04Speaker 01

  maybe only like a year. I don't know. I only look at the miles.

• 16:08Caleb Hammer?

  This was supposed to be a my card. Can I have that moment repeated, Mika?

• 16:13Speaker 01

  My goal was to make that kind of like my card.

• 16:16Caleb Hammer?

  Yeah.

• 16:18Speaker 01

  I only know, I only know how to check the, the points when I'm booking a flight, so I don't know how to look them up.

• 16:23Caleb Hammer?

  Okay, accumulated points during this time, 1,313, I think.

• 16:28Speaker 01

  Oh, look, earn miles. I can earn miles.

• 16:31Caleb Hammer?

  Get through purchasing, right?

• 16:32Speaker 01

  Mm hmm.

• 16:33Caleb Hammer?

  On the city advantage platinum select card, how many dollars does 1,313 A A D vantage miles equal?

• 16:47Speaker 01

  Like equal? I don't even know.

• 16:49Caleb Hammer?

  Well, I'm asking our good friend.

• 16:50Speaker 01

  I don't know. I can maybe get wifi with that.

• 16:54Caleb Hammer?

  That's worth $21.

• 16:55Speaker 01

  $21 from what? For fees?

• 16:59Caleb Hammer?

  That amount of miles right there is worth $21. You are literally losing $37 in interest.

• 17:06Speaker 01

  But, but if I get to the point where I am using that as my daily card, then I wouldn't have.

• 17:13Caleb Hammer?

  You're using a fucking daily now. You're purchasing on it. You're being stupid with it. You're being a dumb. This is already your daily card. It's this daily dumb story. It's this daily fucking up your entire life. It's daily. You got $21 a mile. Congratulations, but thirty seven dollars was accumulated in interest in two thousand and twenty cents of fees. So what world does this make it sense? This is supposed to be your special little swipey card, especially special little swipey card. Okay, you did it. You swiped. Now there's interest. Now there's bull. And what are we even purchasing?

• 17:44Speaker 01

  But there won't be.

• 17:45Caleb Hammer?

  Target. Target. You went and got some bull probably because it's cheap. What are we getting from there? Probably Walmart. That's probably getting into bull. PetSmart is a hundred and sixty nine dollars. Well, how many pets do you have? What is this IS mash?

• 17:58Speaker 01

  Oh, so that's a rage room. I took my daughter to a rage room.

• 18:02Caleb Hammer?

  Well, I can need that. This entire, this entire.

• 18:04Speaker 01

  Definitely recommend it.

• 18:05Caleb Hammer?

  Is my rage room.

• 18:07Speaker 01

  PetSmart is a whole different.

• 18:11Speaker 01

  I have lots of critters, so I've got lots of, I've got lots of little friends that I need to feed and keep happy.

• 18:16Caleb Hammer?

  What? What, what do we have? What is like a zoo? Are these?

• 18:20Speaker 01

  Yeah.

• 18:20Caleb Hammer?

  Your new kids? Like, I don't, are these the third children? What is, what is even happening?

• 18:27Speaker 01

  Do you want, do you, do you want a road trip down my mini zoo?

• 18:31Caleb Hammer?

  A road trip?

• 18:32Speaker 01

  Like a visual spiritual journey through my mini zoo.

• 18:36Caleb Hammer?

  I guess, like, because it's like you've taken them on. They are now your responsibility. It is very important to me. I have fish. Most people wouldn't give a fuck about fish, but I took on the fish. So it's my responsibility to take care of my fish.

• 18:50Caleb Hammer?

  Same with my dogs, obviously. I mean, that's on a completely different level, but yeah, sure.

• 18:55Speaker 01

  Yeah. So I have sixteen tarantulas.

• 18:58Caleb Hammer?

  The fuck are you on?

• 19:00Speaker 01

  Yeah.

• 19:01Caleb Hammer?

  What are you doing with sixteen tarantulas?

• 19:03Speaker 01

  Um, well, here.

• 19:10Caleb Hammer?

  You. What is this? How did I not see this?

• 19:16Speaker 01

  So this is, this is Scarlet.

• 19:17Caleb Hammer?

  I'm actually quite interested.

• 19:18Speaker 01

  Yeah, yeah. Right? See?

• 19:19Caleb Hammer?

  Hold on.

• 19:20Speaker 01

  And they're addicting.

• 19:21Caleb Hammer?

  Well, I think it's cool as long as you can afford them. I don't know about that. I don't have sixteen.

• 19:25Speaker 01

  Because if you can feed one, you can feed sixteen.

• 19:27Caleb Hammer?

  Oh, there it is.

• 19:28Speaker 01

  Yeah.

• 19:29Caleb Hammer?

  Oh, so curious.

• 19:31Speaker 01

  Yeah. And I just watch them.

• 19:33Caleb Hammer?

  What are we on? Animal Planet right now? If we transition from financial audit?

• 19:37Speaker 01

  I told, I told them I want to make you feed her.

• 19:39Caleb Hammer?

  Listeners. Feed her. What am I feeding her? Okay, maybe we'll do that in the post show then.

• 19:43Speaker 01

  Yeah.

• 19:43Caleb Hammer?

  I want to stick to your finances in the main show.

• 19:46Speaker 01

  So I have 16 of these little guys.

• 19:48Caleb Hammer?

  Okay.

• 19:49Speaker 01

  Yeah. But you just watch them. Um, I don't know. They're kind of like, if you're having a bad day, you just go look at them and they make you happy.

• 19:58Caleb Hammer?

  Okay, I don't want mom. I'm scared. She's in the web, so she's not just gonna fly out of the web, right? It's right here. You see this guy on, on that camera shot?

• 20:07Caleb Hammer?

  No one told me there was a damn tarantula in this office. Why do you have 16? So you have 16 of these individual things?

• 20:13Speaker 01

  Yeah, story time.

• 20:14Caleb Hammer?

  This is a way too expensive hobby for you because you also have to take care of them. They are not cheap to maintain.

• 20:18Speaker 01

  No, so she-

• 20:18Caleb Hammer?

  All the pets combined. She, we know she's a chick.

• 20:21Speaker 01

  Yeah, that's why she was more because I had her sex.

• 20:23Caleb Hammer?

  Shoes. Oh, she was more? Because, okay, how, how much, how much is this piece of hair?

• 20:29Speaker 01

  $250.

• 20:30Caleb Hammer?

  You can't even come close to affording that.

• 20:33Speaker 01

  I've had her for a while. When did I, I got her, look at, almost a year. I've had her almost a year.

• 20:37Caleb Hammer?

  You're at the credit limit here and you're taking cash advances.

• 20:40Speaker 01

  Yeah.

• 20:42Caleb Hammer?

  You can't afford it.

• 20:44Speaker 01

  But look at her.

• 20:45Caleb Hammer?

  I've looked. It's cool. Honestly, all my interest for it has already been achieved because I saw it and now it's not doing anything. So it's like, okay, it's achieved.

• 20:55Speaker 01

  When you see him walk and like-

• 20:56Caleb Hammer?

  You didn't bring any more, did you?

• 20:58Speaker 01

  No, my husband won't let me. I was gonna, I was gonna bring five.

• 21:01Caleb Hammer?

  Think, because I don't trust it happening in here.

• 21:04Speaker 01

  I just brought one.

• 21:05Caleb Hammer?

  Good. You were gonna bring-

• 21:07Speaker 01

  I was gonna bring five. Um, yeah.

• 21:10Caleb Hammer?

  We'll put it here for the camera shot. So people can just stare at a tarantula that won't do anything for-

• 21:15Speaker 01

  She might, she might, maybe she's-

• 21:17Caleb Hammer?

  What is she gonna do?

• 21:17Speaker 01

  She's camera shy.

• 21:18Caleb Hammer?

  Do. She's shy. If you want to bird a dog, most people bring dogs.

• 21:22Speaker 01

  I don't like dogs.

• 21:22Caleb Hammer?

  So how much do you spend on all this monthly basis?

• 21:26Speaker 01

  I haven't bought one in a while.

• 21:27Caleb Hammer?

  No, on a monthly basis, there was like a thousand charges in here. You said the target was that. You said the target was that. You said the Walmart was that. Then we have the PetSmart and then we have Rage Room. Okay, cool. But how much are we spending on all this animal stuff on a monthly basis? Because all of a sudden this becomes a budgeting item because you are not gonna let animals die that you have taken on.

• 21:42Speaker 01

  Right. So, I don't know, between all my animals, it's probably, and I have four cats, so they're expensive.

• 21:50Caleb Hammer?

  This house must smell of, no offense.

• 21:52Speaker 01

  It doesn't because I'm really good about, I'm super self-conscious. No, no, because my mother-in-law, she'll tell us if it stinks. So, she's very blunt about it, but they don't stink, like.

• 22:09Speaker 01

  They don't stink.

• 22:09Caleb Hammer?

  What does that, you just pointed to it? What am I doing with that? I don't, I don't know.

• 22:12Speaker 01

  Their poop doesn't stink.

• 22:13Caleb Hammer?

  No, I don't smell trashless. How much? Again, it's a hundred sixty dollars.

• 22:18Speaker 01

  Yeah.

• 22:18Caleb Hammer?

  A fucking Pessmart, a hundred sixty-nine.

• 22:20Speaker 01

  So like.

• 22:20Caleb Hammer?

  So how much on a monthly basis for all these animals? Do you have pet insurance for the cats? Okay, so what would you do if a surgery pops up ten thousand hours to save their life? You, the person who has adopted them and has essentially signed the social contract to taking care of them? How would you be able to take care of them? You wouldn't. Cause you can't afford that. Cause you can't afford them. How much does this cost on a monthly basis? All of them, no pet insurance?

• 22:43Speaker 01

  Well, all we pay for is food, so it's like sixty bucks a month. Food, cat litter, all that. It's not.

• 22:48Caleb Hammer?

  It can, for all your pets? All your pets?

• 22:50Speaker 01

  My bearded.

• 22:51Caleb Hammer?

  That has to be a lie, cause why do I, you said the targets were pets related?

• 22:55Speaker 01

  No.

• 22:55Caleb Hammer?

  That equals thirty-five.

• 22:56Speaker 01

  The targets are wicked merch.

• 22:57Caleb Hammer?

  Huh? Huh?

• 22:58Speaker 01

  Wicked.

• 22:59Caleb Hammer?

  The fucking movie?

• 23:00Speaker 01

  Yes.

• 23:00Caleb Hammer?

  This was like a year ago. No, but this was a while ago. Now?

• 23:04Speaker 01

  Oh.

• 23:05Caleb Hammer?

  Wicked, what are the, what are you doing? What are you getting like just green paint?

• 23:09Speaker 01

  They dropped so much like wicked, limited edition stuff that I had to get.

• 23:13Caleb Hammer?

  Like what? You're not even wearing any of it. It's already done. You don't give a.

• 23:16Speaker 01

  I do. I listened to the whole soundtrack on the way here.

• 23:18Caleb Hammer?

  We all do. We all do. This is what everyone does.

• 23:23Caleb Hammer?

  What did you get?

• 23:24Speaker 01

  I don't know. I got like.

• 23:25Caleb Hammer?

  She doesn't know. She goes and she doesn't. No, are you kidding me?

• 23:28Speaker 01

  I get a lot of books. I got like.

• 23:30Caleb Hammer?

  Books?

• 23:30Speaker 01

  Yeah.

• 23:30Caleb Hammer?

  Yeah, that's wicked merch is books?

• 23:32Speaker 01

  Sometimes. Um.

• 23:33Caleb Hammer?

  No.

• 23:34Speaker 01

  No, I did. I got the.

• 23:35Caleb Hammer?

  The wicked book?

• 23:36Speaker 01

  I got the.

• 23:36Caleb Hammer?

  They're not even similar.

• 23:38Speaker 01

  No, they're not. That's why I wanted to read it because I heard about it and it's more fucked up than the movie. So I had to, I had to absorb all of it.

• 23:45Caleb Hammer?

  Okay, and then the fucking, okay, you say you spent sixty dollars. That's a bullshit though. If you spent a hundred sixty-nine dollars at Pessmart.

• 23:51Speaker 01

  That was probably.

• 23:51Caleb Hammer?

  In one trip. And we have a lot of statements to go.

• 23:54Speaker 01

  Probably a new cage for someone.

• 23:56Caleb Hammer?

  Why? Why didn't you need a new little cage?

• 23:59Speaker 01

  Cause they grow.

• 24:00Caleb Hammer?

  See, there you go. So it is not just sixty dollars a month. This is ongoing main. Okay, what else do you have?

• 24:05Speaker 01

  I have a bearded dragon.

• 24:06Caleb Hammer?

  Course?

• 24:06Speaker 01

  Yep. I have a crested gecko. I have.

• 24:12Caleb Hammer?

  Why do you want a crusty gecko?

• 24:14Speaker 01

  Cause they're cute.

• 24:15Caleb Hammer?

  Okay, next.

• 24:16Speaker 01

  I don't, I went to an expo and it was there, so I just got it. My husband told me before I went to the expo.

• 24:21Caleb Hammer?

  Is it just like dried come? Like what?

• 24:23Speaker 01

  Maybe, no. Um, he's crested, not crusted, like a crest.

• 24:29Caleb Hammer?

  What else?

• 24:30Speaker 01

  I have. Three hermit crabs, but my husband only knows of two of them.

• 24:34Caleb Hammer?

  You have a secret hermit crab. So not only financial infidelity, but hermit crab infidelity.

• 24:39Speaker 01

  Yeah.

• 24:40Caleb Hammer?

  It's a new one. Why would he not know of the third one?

• 24:44Speaker 01

  Because it hides. It hides. So he only ever sees.

• 24:47Caleb Hammer?

  You told him.

• 24:48Speaker 01

  Um, because I don't know, my story, when I told him that I got him, I told him I only had two.

• 24:53Caleb Hammer?

  Does he like all these?

• 24:54Speaker 01

  No.

• 24:55Caleb Hammer?

  No.

• 24:56Speaker 01

  No.

• 24:56Caleb Hammer?

  What? No offense.

• 24:57Speaker 01

  I do.

• 24:58Caleb Hammer?

  It's cool, but it's, it's, it's like stink. It's space. It's.

• 25:01Speaker 01

  They're all in my office.

• 25:04Caleb Hammer?

  So this is all in your office. Can you send us a video of you doing like a thing?

• 25:08Speaker 01

  I'll do a little.

• 25:08Caleb Hammer?

  Put it in the video. We'll put it in the video because I'm, I'm curious.

• 25:11Speaker 01

  Yeah. Oh, and then I, um, so my husband went on a work trip. And this is where I get a lot of my animals because when he leaves, he can't tell me no.

• 25:23Caleb Hammer?

  He, well, he can, but you guys have a conversation before. Why are you guys agreeing throughout your existence that, okay, maybe we have enough? I think that's him.

• 25:33Speaker 01

  He tells me that, but then I ask for more and eventually he caves in.

• 25:36Caleb Hammer?

  Oh, my gosh. Okay. Well, it shouldn't be, you should be able, you should be able to respect his desire. Not, I tell you no because I'm your daddy. Not like that, but respect each other's desire and respect each other's existence. Like, right? Why don't you respect that?

• 25:52Speaker 01

  Yes. Um.

• 25:53Caleb Hammer?

  Well, he doesn't even know about secret debt. So.

• 25:56Speaker 01

  He doesn't, but he.

• 25:58Caleb Hammer?

  There's a lot of respect going on.

• 25:59Speaker 01

  There, we got into a little disagreement when I first moved here because I really wanted a ball python. But he doesn't like the little holes.

• 26:06Caleb Hammer?

  We just had a little bi ball python freak on the show.

• 26:10Speaker 01

  They're the best. I would never spend that. But anyhow, um, so he wouldn't let me get one.

• 26:16Caleb Hammer?

  You might be his only exit strategy.

• 26:18Speaker 01

  I don't have that kind of money.

• 26:20Caleb Hammer?

  Insert clip from that episode too. Sorry, I'm making you work, Mika.

• 26:23Speaker 02

  I. Purchased ball pythons in the in the intention of breeding and selling.

• 26:29Caleb Hammer?

  The fuck are you even on?

• 26:31Speaker 01

  So when I first moved here, I really wanted a ball python. He wouldn't let me get one. So fast forward, it's been what? Three years since I've asked. I've been on his case about it because I really want one. And he begrudgingly told me that because my friend was selling his, he has a whole bunch of animals and he was trying to get rid of some. My py- my python.

• 26:51Caleb Hammer?

  Okay.

• 26:52Speaker 01

  So I was like, it is eighty dollars for the whole thing. Like you can't pass that up.

• 26:56Caleb Hammer?

  Money you didn't have because you have a max out credit card. Only one of a thousand we're going to talk about and we're thirty minutes in talking about ball pythons. Great.

• 27:02Speaker 01

  He's great.

• 27:04Caleb Hammer?

  Alright guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am going to directly reimburse you for the five dollars for upgrading or ten dollars if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you. All you have to do is follow the instructions that I'm gonna post in the membership area, send us that proof and I'm gonna send you the money and boom. You joined hammer elite for free. Yes. Seriously, guys, there's thousands of hours of extra content there. You got two exclusive member audits a month.

• 27:47Caleb Hammer?

  The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.

• 27:52Speaker 01

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

• 27:54Caleb Hammer?

  That's Lindsay for you. Weekly live streams. So Caleb, what's your social security number?

• 28:00Speaker 03

  I'm doing it.

• 28:01Caleb Hammer?

  Three, eight.

• 28:02Speaker 03

  That is definitely gonna get on your shirt.

• 28:06Speaker 03

  Three, two.

• 28:10Caleb Hammer?

  And every single financial audit post show plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with that with only partial consent and then I ran off. Stop. Plus it really helps support this channel. So let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier hammer elite so that I pay for it. This offer expires at the end of the month.

• 28:40Speaker 01

  But.

• 28:40Caleb Hammer?

  I would rather you do you have, what's your, what's your, what's your emergency fund like?

• 28:48Speaker 01

  Uh, nothing.

• 28:50Caleb Hammer?

  Then legitimately, you.

• 28:53Speaker 01

  I had $400 and then I.

• 28:55Caleb Hammer?

  Not an emergency fund that is a fourth of a way to 10%.

• 28:59Speaker 01

  But then I told you.

• 29:00Caleb Hammer?

  Of a starter.

• 29:00Speaker 01

  Yeah, yeah.

• 29:02Caleb Hammer?

  So fourth of a way to the literally the basic. Okay.

• 29:05Speaker 01

  Mm hmm.

• 29:06Caleb Hammer?

  Of 40%.

• 29:08Speaker 01

  Yeah.

• 29:09Caleb Hammer?

  But even still.

• 29:09Speaker 01

  Mm hmm.

• 29:11Caleb Hammer?

  Okay.

• 29:12Speaker 01

  But anyhow.

• 29:13Caleb Hammer?

  For some fact stuff.

• 29:13Speaker 01

  So when he was gone.

• 29:15Caleb Hammer?

  Yeah.

• 29:15Speaker 01

  On his trip.

• 29:16Caleb Hammer?

  Uh huh.

• 29:17Speaker 01

  I got the snake and we, he got really upset with me and.

• 29:20Caleb Hammer?

  Yeah, no shit. I would too. Come on dude, you've had $331. The interest accruing, I mean, this is what a disaster. How long does this take to pay off? How long does this take to pay off if you just do your minimum to payment without doing purchases, which is you're incapable of. How long does it take to pay off?

• 29:38Speaker 01

  I don't know. Year and a half, two years.

• 29:39Caleb Hammer?

  Three years.

• 29:40Speaker 01

  Three years. Yeah, close.

• 29:42Caleb Hammer?

  Not really. Uh, payroll hits your account on a monthly basis. I saw 2077.

• 29:47Speaker 01

  That sounds about right.

• 29:48Caleb Hammer?

  Okay, 2077. How much did you spend in this last month?

• 29:52Speaker 01

  This last month?

• 29:53Caleb Hammer?

  Yeah, in the month that we're looking at, the most recent month of statements. What did you spend? What should you have a little spend? What'd you do?

• 30:01Speaker 01

  I don't know.

• 30:02Caleb Hammer?

  Yeah, let's, let's, let's try to do a number.

• 30:05Speaker 01

  I would say.

• 30:06Caleb Hammer?

  Everyone seems to struggle with this, even though.

• 30:06Speaker 01

  Let's see, I bring, I bring 27 home.

• 30:08Caleb Hammer?

  Oh, yeah. No, nope, nope, nope.

• 30:10Speaker 01

  I would say, I would say.

• 30:11Caleb Hammer?

  No, no, no, no, 2077.

• 30:13Speaker 01

  27.

• 30:13Caleb Hammer?

  2077.

• 30:15Speaker 01

  Okay.

• 30:15Caleb Hammer?

  How much did you spend?

• 30:16Speaker 01

  Maybe 3,000.

• 30:17Caleb Hammer?

  Okay, that's curious. 4,254. What the are you talking about? No wonder you're doing little micro payday loans. No wonder this card is maxed out. No wonder this debt is horrendous. No wonder you're not able to travel up to New York as much as you'd probably want to. No wonder you have $0 in savings and it's gone down from 400. So are we getting ball pythons? Are we getting an extra pet that is going to cost an extra expense on a monthly basis? No, that is what an immature child does. You are thirty four. Stop being a child.

• 30:49Speaker 01

  My husband told me if I pay everything off, I can get another snake. So that is my motivation.

• 30:54Caleb Hammer?

  Good motivation, but guess what? We're going through a hundred seventy three thousand dollars to debt. So good luck you. Here's the only snake you're getting.

• 31:01Speaker 01

  But I have school refunds coming. I have taxes coming.

• 31:04Caleb Hammer?

  Let's see.

• 31:05Speaker 01

  Yeah.

• 31:05Caleb Hammer?

  Well, you don't get the full child tax credit, do you? Because they're not even a dependent.

• 31:10Speaker 01

  No.

• 31:10Caleb Hammer?

  Do you pay any kind of support?

• 31:12Speaker 01

  Oh, yeah. Yeah, I pay three ten a month and then.

• 31:14Caleb Hammer?

  Does that come out before you pay us it?

• 31:16Speaker 01

  Yes.

• 31:17Caleb Hammer?

  Good.

• 31:17Speaker 01

  Yeah.

• 31:17Caleb Hammer?

  Thank goodness.

• 31:18Speaker 01

  And then I pay for.

• 31:19Caleb Hammer?

  Lower than that.

• 31:20Speaker 01

  I pay for their internet.

• 31:21Caleb Hammer?

  Up north?

• 31:22Speaker 01

  Yep.

• 31:22Caleb Hammer?

  Their internet. It's a random expense. Okay.

• 31:25Speaker 01

  It's the only way I can like keep in touch with her. So I make sure that she at least has internet.

• 31:28Caleb Hammer?

  He wouldn't let her have internet?

• 31:30Speaker 01

  He doesn't work.

• 31:33Caleb Hammer?

  He doesn't work and he has full custody?

• 31:36Speaker 01

  Yeah.

• 31:36Caleb Hammer?

  How do they afford bills?

• 31:38Speaker 01

  Uh, public assistance.

• 31:41Caleb Hammer?

  Why does he not work? Let's do that. Let me see if it's valid.

• 31:44Speaker 01

  He's got some medical stuff that he.

• 31:46Caleb Hammer?

  Is it valid that he doesn't work then? Okay.

• 31:48Speaker 01

  Yeah.

• 31:49Caleb Hammer?

  That's different.

• 31:50Speaker 01

  Yeah, he's going through like disability. So once his disability stuff goes through, like.

• 31:54Caleb Hammer?

  Is he making enough though? And plus your limited support to give her truly the day to day life that she deserves?

• 32:01Speaker 01

  We.

• 32:02Caleb Hammer?

  Let alone need.

• 32:03Speaker 01

  We make sure that she's she's good. Me and my mom. So.

• 32:06Caleb Hammer?

  Is your mom up there?

• 32:07Speaker 01

  Yes.

• 32:08Caleb Hammer?

  Okay, so she helps?

• 32:09Speaker 01

  Yes.

• 32:10Caleb Hammer?

  Okay, Amazon card. What's going on?

• 32:13Speaker 01

  Oh, Amazon. I use a, uh, you know.

• 32:16Caleb Hammer?

  For Amazon?

• 32:17Speaker 01

  For Amazon.

• 32:18Caleb Hammer?

  Oh.

• 32:18Speaker 01

  Um. I get stuff for my animals, like my snake has mites right now, so he needed to be treated.

• 32:26Caleb Hammer?

  See, this is an added expense. You say the sixty dollars a month. No, it's not. They grow too big. They need insurance. They need food. They get mites.

• 32:32Speaker 01

  A lot of that's also for Christmas. I put.

• 32:35Caleb Hammer?

  Christmas. You have no money. You have zero dozen savings. You've gotten divorced. Sounds like he's gotten divorced as well. Sounds like, you know, well, statistical likelihood of you guys staying together. I hope you guys do, but maybe you prepare for a situation where you don't.

• 32:47Speaker 01

  Right. Well, I had to make sure my daughter had a Christmas, so.

• 32:52Caleb Hammer?

  She doesn't get a Christmas without you?

• 32:54Speaker 01

  Um, not as good of one, so.

• 32:57Caleb Hammer?

  I get it. I get the vibe. I appreciate the heart of it.

• 32:59Speaker 01

  Yeah, she's getting older, so everything she wants is more expensive, so. Although this year compared to last year is a lot better because I got her VR headset last year. And I'm still paying on that.

• 33:11Caleb Hammer?

  You're still paying on last year's Christmas and yet you're buying new Christmas. What the did you buy this year? What the possibly did you buy this year if you're still paying off last year's? You're paying off 2023's Christmas, yet you went into debt for 2024.

• 33:24Caleb Hammer?

  Okay, great. I would rather her get a college fund, but sure, go ahead. What? What did you get this year?

• 33:29Speaker 01

  This year she got some bath bombs. She got.

• 33:32Caleb Hammer?

  So that expensive.

• 33:33Speaker 01

  No, it's it was just a bunch of little stuff that added up.

• 33:37Caleb Hammer?

  Then maybe we're not doing a bunch. Hundred thirty seven dollars of purchases on here. It was paid off. Then you took it to one hundred sixty nine, which is totally fine for the credit limit of a thousand five hundred. It I would say it looks like you pay it off, but there's a fee here. Twenty seven dollars. What?

• 33:55Speaker 01

  Oh, no, I'm I'm still.

• 33:56Caleb Hammer?

  It's a fucking late fee. How do we have a late fee on a card that had twenty seven dollars and you put twenty seven dollars to it? Then you purchase a hundred and sixteen foot of a fucking dollars. Why is there a late fee? Why would you possibly have a fucking late fee? Why are we late feeing? The Christmas, if you're still paying on last year's Christmas from the Christmas before. Especially if you're paying a late fee. Now you're paying for double Christmas. You're double paying for Christmas, two Christmases. So it'll be twenty twenty five Christmas and you're paying for three and four.

• 34:22Speaker 01

  Probably because it's on my secret spreadsheet and I kind of forget about it.

• 34:26Caleb Hammer?

  Simpler budget app, simpler budget app. I know this works with Plaid. It's the system that every budgeting app uses. So get that automatic connection. Late fucking fee wasn't on auto pay. Oh, let me guess, because there's like five dollars in your checking account.

• 34:41Speaker 01

  Uh, there's like at least fifty right now.

• 34:43Caleb Hammer?

  Yeah, not what I saw. Amazon, Amazon, Amazon Prime.

• 34:49Caleb Hammer?

  Let me see your Amazon. Start a screen recording. Will blackout personal information?

• 34:55Caleb Hammer?

  For fuck's sake, my dude.

• 34:57Speaker 01

  I gotta.

• 34:57Caleb Hammer?

  You are not a credit card person, just like the guests on the show. Use the Fizz card.

• 35:05Speaker 01

  I got denied for it.

• 35:07Caleb Hammer?

  Got denied? Yeah, cuz you're probably fucking crazy.

• 35:09Speaker 01

  It yelled at me cuz I have the earn and app. How do I do it?

• 35:11Caleb Hammer?

  Yeah, most people probably, no, no one gets denied because this is like, it's valid off of what's in your checking account when you spend money. You have to be in the worst of the worst of the worst to get denied. That's that and alone. Maybe we should have everyone apply before they come on cuz that tells us how they are.

• 35:27Speaker 01

  Uh, yeah, that really put some perspective on how my situation is where I couldn't even get that card.

• 35:32Caleb Hammer?

  Then what have you done to fix it? Cuz all I see is going up to the credit limit in a late fee so far. We saw two things up to the credit limit, late fee paying for 2023 Christmas.

• 35:41Speaker 01

  I can't.

• 35:41Caleb Hammer?

  What are you doing? Yo, you realize, you realize it's bad. So what have you done? What are the actions that have been done? Well, it's being done.

• 35:49Speaker 01

  I can't screen record my Amazon. Do you still wanna?

• 35:52Caleb Hammer?

  What are you doing?

• 35:53Speaker 01

  Um, so I have plans when I get like school refund checks to pay off all the debt. Um, so that's where I kinda get into loops because I know I have money coming. So I pre-spend it.

• 36:08Caleb Hammer?

  Pre-spend?

• 36:09Speaker 01

  Yeah.

• 36:10Caleb Hammer?

  For fuck's sake, pre-spend, fuck your pre-spend.

• 36:16Caleb Hammer?

  I see you already downloaded the simpler budget app. Good. That's a start.

• 36:19Speaker 01

  I did.

• 36:19Caleb Hammer?

  You did that headed into here.

• 36:21Speaker 01

  That's a step towards.

• 36:23Caleb Hammer?

  It's a step, but unless you're being actionable, that's all that fucking matters. Got a shirt, but you, yeah, great. Oh, what is this? Fake snakes? Why are you getting fake snakes? You have real snakes. Why are you getting fake snakes? Fuck your fake snakes. You have real snakes.

• 36:34Speaker 01

  For the show, I had to have something fun for my earrings.

• 36:39Caleb Hammer?

  That was that?

• 36:40Speaker 01

  Yeah.

• 36:41Caleb Hammer?

  You don't spend to come on the.

• 36:44Speaker 01

  I have no clothes and.

• 36:46Caleb Hammer?

  Well, the reimbursement obviously covers that, but it's trying to cover gas and your time.

• 36:49Speaker 01

  Yeah.

• 36:51Caleb Hammer?

  Neatos and stuff like that.

• 36:53Speaker 01

  Yeah, so that was all my.

• 36:55Caleb Hammer?

  Dude, this is all fucking bullshit. Hermit crab shells? Come the fuck on.

• 36:58Speaker 01

  They need shells.

• 37:00Caleb Hammer?

  Your hermit crabs. You shouldn't have them. You can't afford anything. You're getting late fees in a max out credit card. That's what we've looked at so far. I'm stressed and it's the middle of winter. I'm turning on the damn AC thinking about all your tarantulas over there eyeing me down.

• 37:15Speaker 01

  She's making sure you're not too mean to me. We're all sticker on you.

• 37:21Caleb Hammer?

  Capital and Venture.

• 37:22Speaker 01

  Mm hmm.

• 37:23Caleb Hammer?

  What's going on here?

• 37:24Speaker 01

  Um, so that's my Walmart. Okay, so.

• 37:28Caleb Hammer?

  Your what?

• 37:29Speaker 01

  My Walmart card. It's, it's like, when I got it, it was the Walmart credit card, so it.

• 37:33Caleb Hammer?

  Okay.

• 37:34Speaker 01

  I got, you know, the bullshit rewards for purchasing at Walmart. Um, so I use that card a lot for travel when I headed.

• 37:42Caleb Hammer?

  No, you had the travel card.

• 37:45Speaker 01

  For, I don't, I don't know. One of them is high because of travel. One of them is not. But I had to do, I had to go to Greensboro, North Carolina for school, so I needed a hotel.

• 37:57Caleb Hammer?

  Why'd you have to go to there to school?

• 37:59Speaker 01

  So my program, you have to go, uh, two weeks out of the whole program. You have to go in person because normally all my classes are online, but you have to go in person two different times. Um, and they, like, it's on a schedule. So my semester, it just ended up, it was in Greensboro that semester. So I had to get a flight.

• 38:19Caleb Hammer?

  Survive.

• 38:20Speaker 01

  Um, DoorDash. So a lot of.

• 38:23Caleb Hammer?

  So fuck, because you had to go to a different place, all of a sudden we're surviving for DoorDash for, for, on a credit card? If you're starting or already investing, here's a rookie mistake. Trying to time the market. You've heard stocks are way too high right now, or maybe I'll just wait for a dip. So that sounds familiar because spoiler, timing the market is a losing game. Instead, let me introduce you to dollar cost averaging. Dollar cost averaging is when you invest a set amount of money at regular intervals, no matter what the market is doing. In this way, you're not sweating about buying at the perfect price. You just keep investing and let the market's long-term trends do its thing over

• 39:08Caleb Hammer?

  time. And today's sponsor, Mumu, makes things easier. So how does Mumu make it easier? Let me introduce you to Mumu's reoccurring investment feature, Dividend Reinvestment Plan. On top of potential stock price gains, did you know that you can also benefit from the dividends companies pay out? With Mumu's drip, your dividends are automatically reinvested into more shares. Even fractional ones if the amount isn't enough for a full share. It's a simple hassle-free way to practice dollar cost averaging and steadily grow your holdings over time. Not sure what's going on in the market or feeling lost with the market trends? Don't worry because Mumu's new section has your back. This isn't just any news feed.

• 39:49Caleb Hammer?

  Of course, you'll get instant updates with the latest headlines from trusted sources like Rutgers or Bloomberg. And that's standard, but what makes Mumu special? Each article comes with sentiment indicators showing whether the news is bullish or bearish, and even highlights how it could impact specific stocks or entire sectors. Stay informed and stay confident. And did I mention my favorite part, uh, commissions? Yeah, cuz there aren't any. Mumu charges zero commissions on stocks, E D Fs and options. So more of your money can go into the market instead of being eaten up by all of the taquitos of the investment world. And right now they're offering up to 8.1% A P Y on the idle cash and up to 30 free stocks when you sign up.

• 40:32Caleb Hammer?

  That sounds like a great way to start your investing journey. So head to the link in the description or scan the Q R code on screen to get started and get those investments working for you on autopilot. Check out the link below or scan the Q R code on screen to try out Mumu today.

• 40:49Caleb Hammer?

  Let's see, it's close to being maxed out as well. Who would have thought $2,164.72? No purchases, thank you. Basically the minimum made for the payment. How long do you think this takes to pay off minimum payments? No purchases, $58.46.

• 41:04Speaker 01

  If it's higher than the other one.

• 41:05Caleb Hammer?

  Okay, yeah, 13 years.

• 41:07Speaker 01

  13 years?

• 41:08Caleb Hammer?

  You'll be in your 40s, mid 40s, 45. Good job.

• 41:11Speaker 01

  On minimum payments?

• 41:12Caleb Hammer?

  Yep.

• 41:14Caleb Hammer?

  Because you have $58.46 of interest accruing. It's a 31.24% interest. I don't know what the fuck you'd think would happen.

• 41:27Speaker 01

  But the other one was only three years. So how's that one so much higher?

• 41:30Caleb Hammer?

  Smaller balance, uh, higher interest?

• 41:33Speaker 01

  Hmm, maybe.

• 41:34Caleb Hammer?

  Smaller balance, higher interest, lower minimum payment. There's a lot of factors that go into it. Okay, Capital One Quicksilver, you have, you've collected every little credit card, haven't you?

• 41:42Speaker 01

  Credit.

• 41:42Caleb Hammer?

  What, what are you doing? What have you done with like, what was your, you got that first credit card? For, for, for, I don't do for travel guys, I'm making the difference. I've been nothing to set them. Okay, so.

• 41:50Speaker 01

  You know what? The Amazon card, though, got me a free HexClad pan. Because they gave me a hundred and fifty dollar gift card when I opened it.

• 41:56Caleb Hammer?

  I think I have HexClad, uh, it's not, it's, it's just an old pan. I don't see it. I don't get it.

• 42:01Speaker 01

  Really good pans. They're worth it. Yeah.

• 42:05Caleb Hammer?

  Hundred fifty-nine dollars on the Capital One Quicksilver. Is there a balance on here? Or did you pay that off?

• 42:09Speaker 01

  Quicksilver, um, so.

• 42:11Caleb Hammer?

  Cause it started at zero, then you purchased hundred fifty-nine.

• 42:14Speaker 01

  With the annual fee all at once. So I've been.

• 42:20Caleb Hammer?

  What's the balance on here now?

• 42:22Speaker 01

  Uh. I think, I thought it was like sixty-eight dollars.

• 42:27Caleb Hammer?

  Why? You don't not make money and you have the husband who probably takes care of a lot of the bills.

• 42:35Speaker 01

  Um.

• 42:35Caleb Hammer?

  No?

• 42:36Speaker 01

  He obviously pays more.

• 42:37Caleb Hammer?

  How do you guys do bills?

• 42:39Speaker 01

  How do we do them? Through our little spreadsheet. So like.

• 42:43Caleb Hammer?

  Oh, but you have a hidden system.

• 42:44Speaker 01

  But I have my secret one. Yeah. So like all my credit card bills. Uh, my two big ones are on my main one, but the little ones, all my affirms, all that are on the secret spreadsheet.

• 42:54Caleb Hammer?

  So how do you guys split the bills, though? I'm talking percentages or who takes what? How does?

• 42:58Speaker 01

  I take about a third and then he does.

• 43:00Caleb Hammer?

  Okay, with the third, I don't know the price yet, but you should be able to pay off the sixty damn fucking stupid dollars. So it's a twenty-five dollar minimum payment, so it still takes fucking eight months at that point to pay it off. Eight months just for that. That's stupid.

• 43:15Speaker 01

  I tried to cancel them and then they persuaded me into keep.

• 43:18Caleb Hammer?

  No, don't.

• 43:20Speaker 01

  But I didn't want to close them because it keeps like.

• 43:21Caleb Hammer?

  Close them. Fuck your credit. You have maxed out credit cards. What's your credit score?

• 43:26Speaker 01

  It depends on where I look. Experience says like six eighty, but other ones say like six thirty.

• 43:32Caleb Hammer?

  I'd guess more towards the six thirty. If other ones collectively say six thirty and one says six eighty, let's go with the collective.

• 43:39Speaker 01

  We can average and say like six fifty.

• 43:41Caleb Hammer?

  No, we can't. Fuck you.

• 43:44Caleb Hammer?

  Yeah, interest. No, this wasn't the card annual fee, you tit. Scotty fit. What's Scotty fit?

• 43:52Speaker 01

  Oh, I forgot about that. Okay, so I have been on a weight loss journey for the last year.

• 43:58Caleb Hammer?

  What do you weigh? What did you weigh?

• 43:59Speaker 01

  I started at like two twenty. I got down to one eighty-five and then I've gained a little back. So I'm like two hundred right now. So.

• 44:07Caleb Hammer?

  That gives me hope. A little concerned. I'm also a balloon-er, but if you have the discipline to lose a weight, we can transfer those skills

• 44:14Speaker 01

  Yes.

• 44:14Caleb Hammer?

  to the money part, and that gives me more confidence than, you know, some episodes.

• 44:18Speaker 01

  So Scotty.

• 44:19Caleb Hammer?

  But you are bouncing. Why are we bouncing? I bounce. I'm a bouncer. I'm not judging. I'm judging a little. Why are you bouncing?

• 44:25Speaker 01

  I hit a plateau and then I lost all my motivation.

• 44:27Caleb Hammer?

  Why? Cause you hit a plateau? So what are you doing now? I mean, yeah, you're eating out. It's crazy when we go through these statements. It's like crazy.

• 44:34Speaker 01

  Nothing.

• 44:34Caleb Hammer?

  Five hundred twenty-nine, five hundred ninety-two dollars of eating out alone. Then miscellaneous bull, seven hundred sixty-five dollars. Unknown shopping, seven hundred thirteen. I bet half of that's pat, half is eating.

• 44:44Speaker 01

  Probably. But yeah.

• 44:45Caleb Hammer?

  So what the fuck is the Scotty fucking broken?

• 44:47Speaker 01

  So Scotty was running a special. He opened his.

• 44:49Caleb Hammer?

  Scotty, who's Scotty?

• 44:50Speaker 01

  Scotty K.

• 44:51Caleb Hammer?

  Who's the fuck is the Scotty K? What does he do?

• 44:55Speaker 01

  He's a, he's a TikToker and he opened up his little coaching thing.

• 44:59Caleb Hammer?

  Coaching for what? What does he coach?

• 45:00Speaker 01

  For like personal fitness.

• 45:02Caleb Hammer?

  Okay, it's a fitness coach?

• 45:02Speaker 01

  Yes, yeah. So I thought that was a really good deal because I have looked at coaches before and I have never seen one that low. So I sign up for them and then my husband switched jobs. So we were kind of really low on money for like a little bit. So I canceled that because I, I couldn't afford a hundred and sixty dollars a month, but I still got stuck paying at least the first month.

• 45:28Speaker 01

  Yeah, I forgot that was on there.

• 45:30Caleb Hammer?

  Thirty one point seven four percent interest rate. This is crazy. This is crazy. I don't get it. I don't get it. Cap or Credit One, that's when we know we are the worst of the worst of the worst. You only have Credit One when you're the worst of the worst of the worst of the worst of the worst of the worst.

• 45:47Speaker 01

  Yeah, I'm

• 45:48Caleb Hammer?

  So what the

• 45:49Speaker 01

  I was just super excited that they even

• 45:51Caleb Hammer?

  Super excited.

• 45:52Speaker 01

  Yeah, I've never had a

• 45:53Caleb Hammer?

  You were excited about a credit card that shows up in the mail.

• 45:58Speaker 01

  What do you mean?

• 45:58Caleb Hammer?

  Credit One is one of those credit cards that Yeah, comes in the mail, one of their trash ones. It's as trash as it gets.

• 46:05Speaker 01

  But I don't know.

• 46:06Caleb Hammer?

  No, the benefits on the the platinum card is probably actually relatively decent if you actually use the credit card effectively. Credit One, no matter what, you have fees regardless of if you have a fucking balance.

• 46:15Speaker 01

  Yeah, I have. I'm not too happy with them because

• 46:18Caleb Hammer?

  Why are they open for your credit score, your special little precious credit score?

• 46:24Speaker 01

  Yeah, because I have probably like $2,000, maybe more between all three of them of a of a limit. So that's like, that's a good chunk

• 46:33Caleb Hammer?

  This is accruing, which is nothing. Fees $8.33 and then interest because of the fees added on to it adding up to the balance.

• 46:41Speaker 01

  Yeah, I tried to call and close them and they convinced me to keep

• 46:44Caleb Hammer?

  But what is your convincing? Why are you being convinced for all the bad things in your life?

• 46:48Speaker 01

  I don't know. I'm very easily

• 46:50Caleb Hammer?

  You don't know.

• 46:50Speaker 01

  I'm very easily persuaded.

• 46:53Caleb Hammer?

  And he doesn't know. The husband.

• 46:57Speaker 01

  He only knows about the two big ones.

• 47:01Speaker 01

  He knows I have those open, but he doesn't know that there's anything on them.

• 47:06Caleb Hammer?

  Well, is there right now? Because there was $8 on here. Did you pay?

• 47:08Speaker 01

  No, I I pay that monthly. It's just, it's stupid.

• 47:13Caleb Hammer?

  Crazy. Why?

• 47:14Speaker 01

  It's $8 just to have it.

• 47:15Caleb Hammer?

  $8. You don't, you need every little extra piece of money. Now, this one actually does have a balance. It's only $68.13.

• 47:22Speaker 01

  That was the the annual fee. I think it was like 100 when they hit it. So I've been paying it.

• 47:28Caleb Hammer?

  Why have this and 13 cents with a $30

• 47:32Speaker 01

  I was told that closing accounts actually hurts credit.

• 47:35Caleb Hammer?

  It does, but you're paying a subscription to have this. It doesn't make any sense. What is the point at that point? This is a monthly subscription. There are certain things with annual fees with good benefits that make sense. This is not one. There is nothing here benefiting you. And what are you trying to take advantage of credit wise? What are you trying to do with credit? What credit are you trying to utilize? You want to have good credit so that you can do what?

• 47:57Speaker 01

  Um, eventually I like to get a better car.

• 48:00Caleb Hammer?

  You want to finance it? Your goal is to finance it?

• 48:03Speaker 01

  I've never been able to finance a car before.

• 48:05Caleb Hammer?

  Well, that's probably a good thing for you because your entire finances are Why would you want to add another thirty three percent to your debt with a financed car that you can't afford? The fuck are you talking about? What kind of mindset is that? Yay, I want my credit score to be better so that I can my life. What are you talking about? You want to finance a car instead of us creating a strategy to build like a cash fund for a cash car?

• 48:27Speaker 01

  For a cash car?

• 48:28Caleb Hammer?

  A cash car.

• 48:29Speaker 01

  Like pay it out in cash?

• 48:30Caleb Hammer?

  Yes, that's what a cash and car would mean.

• 48:36Caleb Hammer?

  So what?

• 48:41Caleb Hammer?

  That's the only intention behind having a good credit score. We're not closing an account that is accruing on both cards like you know, dozens of dollars on a monthly basis just to have access to it so that you can eventually get a car loan. Woo, everyone's dream.

• 48:55Speaker 01

  Yeah, I have a bad habit of impulsively buying cars.

• 48:59Caleb Hammer?

  Cars? Vehicles, vroom, vroom, drive, drive? Not cards, cars.

• 49:04Speaker 01

  Cars.

• 49:04Caleb Hammer?

  What are you talking about? What impulsive cars are you doing?

• 49:07Speaker 01

  So like I just, I get bored.

• 49:09Caleb Hammer?

  Your dream then?

• 49:10Speaker 01

  Because that's a huge goal to like be able

• 49:13Caleb Hammer?

  Financing a car?

• 49:14Speaker 01

  Yeah, to be able to go and get a car without a co-signer.

• 49:18Caleb Hammer?

  Financing, you're not getting a car, you're borrowing someone else's money. That's the goal?

• 49:23Speaker 01

  Yeah.

• 49:23Caleb Hammer?

  You're not owning it though. It takes you years to own it.

• 49:26Speaker 01

  But who just goes and buys a car?

• 49:29Caleb Hammer?

  What do you mean? Just goes impulsively buys a car?

• 49:31Speaker 01

  No, like who pays for a car like just with cash?

• 49:34Caleb Hammer?

  The people that we teach on this show, people get cash cars in our audience and guests all the time. And we could probably do that with you. Is it going to be the most luxurious car in the world? No, but you're not entitled to an luxurious car in the world. No offense, you're not. I mean, with two thousand seventy seven, because of the child support, you're not in this incredible net income scale where you deserve, deserve all this money. You have net twenty four thousand dollars a year, twenty five thousand, you know? It's not, you think you get a sixty thousand dollars on twenty two thousand dollars a year? No, that's not, you're not entitled to, I'm confused.

• 50:08Speaker 01

  I just want to be able to have the like

• 50:11Caleb Hammer?

  But you're going to put yourself in a dangerous situation twenty two thousand.

• 50:13Speaker 01

  I already have a car, so I would just trade that in.

• 50:16Caleb Hammer?

  Well, you're in a dangerous situation because is it a debt?

• 50:19Speaker 01

  Yeah.

• 50:21Speaker 01

  It's actually got

• 50:21Caleb Hammer?

  So what the

• 50:22Speaker 01

  Get it back what he

• 50:22Caleb Hammer?

  What is this?

• 50:25Speaker 01

  But I would just like the ability to know that I am at a point financially and credit wise that I could go to a dealership and get a car.

• 50:32Caleb Hammer?

  What does that do for you? Are you gonna say security? Is that security?

• 50:35Speaker 01

  Being able to get my own car?

• 50:37Caleb Hammer?

  Yeah. That's what an emergency fund is for. That's why we get out of bad debt and have an emergency fund, cuz that is security to get yourself a car and cash if you need it. That is what it is for. Believe it or not, when they talk about funds and things that are emergencies, like getting a car, we usually use something called a emergency fund and not something called, uh, go out and finance our entire life away. What, which one is more applicable? Which one brings more security to emergencies? An emergency fund or debt? Yeah, exactly. So we need to change your worldview on this lady.

• 51:19Speaker 01

  Mm-hmm.

• 51:20Caleb Hammer?

  Ball python lady.

• 51:21Speaker 01

  Mm-hmm.

• 51:22Caleb Hammer?

  Like, what is it? Well, fine, let's look at your car first. Let's, let's skip past these. We'll come back to it.

• 51:28Speaker 01

  Mm-hmm.

• 51:29Caleb Hammer?

  It's your car. Okay, so Hyundai Finance. The more money you can make net, this is basically what you make net on a yearly basis is what you owe still.

• 51:40Speaker 01

  Yeah.

• 51:41Caleb Hammer?

  So twenty-three thousand, three hundred thirty-six thousand, ninety-seven cents.

• 51:44Speaker 01

  Yeah, most of that is probably from the car that I brought over on that loan. I had a really shitty Lancer when I moved up here.

• 51:53Caleb Hammer?

  I don't even know what that is.

• 51:54Speaker 01

  A Mitsubishi Lancer.

• 51:56Caleb Hammer?

  Sure.

• 51:57Speaker 01

  Yeah. So my husband and I went and got brand new cars.

• 52:00Caleb Hammer?

  Yeah, but he's able to afford his?

• 52:04Speaker 01

  Well, yeah.

• 52:05Caleb Hammer?

  He co-signed on yours. It's an eighty-four month loan. It's, that's borderline despicable.

• 52:08Speaker 01

  Yeah.

• 52:09Caleb Hammer?

  Despicable.

• 52:10Speaker 01

  Yeah.

• 52:11Caleb Hammer?

  It's a good word. Twenty twenty-nine, end of this decade is when it is paid off. Five hundred twenty-five dollar minimum monthly payment, which is a four- Yeah, it's a fourth of your net. That's crazy. A fourth of your net just going to income. We like our money guy. It's there are pals YouTube channel, text them all the time. And I cheer when their sports teams are losing and I cheer for them. Either way, they're good. You graduate from financial audit and to money guy eventually. That's, you know, my goal. We like their rule, their car buying rule. 20% down. You can only afford a car if you put 20% down. The term is no longer than three years and it is no more than 8% of your gross income on a monthly basis. This is 25% of your net income. So gross, probably closer to like, ah, before the child's born, maybe like 15.

• 52:55Caleb Hammer?

  That's still crazy. You have an 84 month loan.

• 52:58Speaker 01

  So like my car payment is 525 a month. So I make two payments a month, like half in the beginning and half at the end of the month because the car guy told me it would save me on interest long run. If I made multiple payments throughout the month.

• 53:13Speaker 01

  I don't know. The way he explained it to me at the time made sense, but.

• 53:17Caleb Hammer?

  Mathematically there, if it's saving anything, it's going to be pretty minimal. As far as I know, I'd have to plug it into a calculator. But what I do know is if you make your full car payment, the beginning of the month, and then an additional payment in the latter half of the month, that is what saves you on interest.

• 53:30Speaker 01

  Got it.

• 53:30Caleb Hammer?

  Same with mortgages and whatnot, really any kind of debt.

• 53:33Speaker 01

  That probably makes more sense. I don't know.

• 53:35Caleb Hammer?

  The way he explained it. You're only paying the total. You're just splitting it in half.

• 53:39Speaker 01

  Yeah, I don't know. The way he described it to me, it made sense at the time.

• 53:42Caleb Hammer?

  Well, I'm sure he tried to sell you on every little thing. In order to get you to close this deal where he made a good amount of money.

• 53:48Speaker 01

  My husband bought like six cars from him, so.

• 53:50Caleb Hammer?

  Okay, they don't have your interest at heart. Dealers, they just simply don't. They want to make the sale. It's like, but again, maybe your husband can afford it. I don't know.

• 54:00Speaker 01

  Right.

• 54:01Caleb Hammer?

  Like, but all I know is you making $24,000 a year net is not a $23,000 loan. At what, what's the interest rate on here?

• 54:10Speaker 01

  I think eight, eight percent, maybe. I don't know.

• 54:13Caleb Hammer?

  Okay. So even in the market, even when I invest in S and P 500 and my investing app, Moo Moo, I just bought some this morning. I buy some basically every morning. It's getting eight to 10% a year. So you're just, you're not even competing with the market. You're just losing, plus it's depreciating. So it's actually worse.

• 54:30Speaker 01

  Yeah.

• 54:31Caleb Hammer?

  Okay.

• 54:32Speaker 01

  It's got rust on it now too, because I drove it to New York. So.

• 54:35Caleb Hammer?

  What does that mean? It got rusted immediately? You get it rusted?

• 54:37Speaker 01

  No, but it's like starting to rust. Like there's.

• 54:39Caleb Hammer?

  How long have you had this car? I mean, so if you drove it to New York, how long was it in New York? You get rust like that? I've had cars up.

• 54:46Speaker 01

  Been to New York?

• 54:47Caleb Hammer?

  I've been to Michigan where it was more snowy, covered in more salty.

• 54:51Speaker 01

  I don't know.

• 54:52Caleb Hammer?

  My state's more salty and snowy.

• 54:54Speaker 01

  I didn't realize we're having a pressure and contest.

• 54:56Caleb Hammer?

  We are, and I'm slapping a massive one on the table.

• 54:59Speaker 01

  Okay.

• 54:59Caleb Hammer?

  Like, I get it. And my car's rusted. I don't, it doesn't, does, I'm, I may, this is more of a genuine question.

• 55:04Speaker 01

  That depreciates.

• 55:05Caleb Hammer?

  Does it rust after one day?

• 55:07Speaker 01

  Uh, apparently. I, we were there for like a week. I think I've actually drove it there twice.

• 55:12Caleb Hammer?

  How long have you had this car?

• 55:14Speaker 01

  Couple of years.

• 55:15Caleb Hammer?

  Geez, and it's still till the end of this decade. That's fucking wild. Or, okay.

• 55:20Speaker 01

  We got them in 23, so.

• 55:21Caleb Hammer?

  30% of firm loans. The.

• 55:24Speaker 01

  Yep. So one of those is the VR headset from 2023 Christmas.

• 55:30Caleb Hammer?

  This is the 2023 fucking.

• 55:33Speaker 01

  Uh, I think one of them's also, I bought a couple of Stanleys that were limited edition.

• 55:37Caleb Hammer?

  What are you white chicks in Stanleys on about?

• 55:41Speaker 01

  You have to accessorize. So depending.

• 55:43Caleb Hammer?

  Shut the fuck up. You have to have an emergency fund so you can afford this emergency car.

• 55:47Speaker 01

  Have to look.

• 55:48Caleb Hammer?

  Cause your car's rusting, cause it saw a snowflakes.

• 55:50Speaker 01

  That's another thing. Like, my husband doesn't know about. Like, I have hidden, I have hidden Stanleys.

• 55:57Caleb Hammer?

  You hide Stan.

• 55:58Speaker 01

  Mm-hmm.

• 55:59Caleb Hammer?

  If you're working on cleaning up your finances, listen up. You might already be working on things like budgeting, spending less, even investing, but let's make sure you're not overlooking something big, your retirement savings. Here's the thing. When you've worked at multiple jobs, it's easy to lose track of old 401ks. In fact, 25% of 401ks are just sitting out there, lost or forgotten. And that's money you earned, money that could be growing for your future, but instead it's stuck doing nothing. But the good news, rolling those accounts into an IRA can give you more control over. Your money, but the bad news, that process usually comes with a headache, forms, phone calls, and who even knows where the checks end up. But that's where today's sponsor,

• 56:41Caleb Hammer?

  Capitalize, steps in to make it all effortless. Capitalize is a concierge service designed to simplify the entire 401k rollover process. They start by helping you track down your old accounts, even if you've completely forgotten where they're held. From there, they work with you to set up or connect an IRA of your choice. And the best part, they take over from there. Capitalize handles all the details of transferring your money. No confusing paperwork, no frustrating phone calls, no hassle. It's like having a personal assistant for your retirement savings. Taking this step is a game changer. Consolidating your retirement accounts means fewer accounts to track, more clarity over your investments, and better control of your financial future.

• 57:23Caleb Hammer?

  For anyone committed to leveling up their finances this year, this is a no brainer. So, if this is the year, you're finally tackling all your loose ends in your finances, don't wait. Visit hicapitalize.com/caleb or click the link in the description below to get rolled over today. That's hicapitalize.com/caleb. Thanks to Capitalize for sponsoring the video. Let's get back into it. Why do you hide things from him? This is a pattern now. This is the third thing. Why are you hiding? Why would you have to hide things? Because it's two things. It's either you know it's bad.

• 57:56Speaker 01

  No, I know it's bad. Yeah.

• 57:57Caleb Hammer?

  Well, then it's that one.

• 57:58Speaker 01

  Yeah. And he would never like yell, or I just don't want him to be disappointed. And I feel like he would be.

• 58:04Caleb Hammer?

  But this is worse. You're hiding. That is worse than any kind of disappointment. It's you can hide being something from him.

• 58:10Speaker 01

  Eventually.

• 58:11Caleb Hammer?

  How long has it been?

• 58:13Speaker 01

  How long?

• 58:14Caleb Hammer?

  Months. How long has the secret spreadsheet been?

• 58:16Speaker 01

  Hmm, maybe six months.

• 58:19Caleb Hammer?

  How long have the credit car, uh, the, the snail thing?

• 58:24Speaker 01

  Hmm.

• 58:25Caleb Hammer?

  The extra special.

• 58:27Speaker 01

  Couple months.

• 58:28Caleb Hammer?

  What is this eventually? One's been six months. Eventually usually comes quicker than that.

• 58:31Speaker 01

  Yeah.

• 58:31Caleb Hammer?

  If we're confessing to something.

• 58:33Speaker 01

  I just have to wait for the right.

• 58:34Caleb Hammer?

  Does he know you have 2023 Christmas debt?

• 58:36Speaker 01

  Hmm, probably not.

• 58:37Caleb Hammer?

  Of course not. Why would he?

• 58:40Speaker 01

  So I had all these racked up at one point. I had multiple affirms and I got really overwhelmed and he gave me some bailout money and he paid all of them off.

• 58:49Caleb Hammer?

  And he's to be with behavioral change. This is what happens. This is what happens to, um, did you Ozempicify yourself down?

• 59:00Speaker 01

  My weight loss?

• 59:00Caleb Hammer?

  Yeah.

• 59:01Speaker 01

  No.

• 59:01Caleb Hammer?

  See, and I'm afraid of needles or else I would because I'm a fat. So, but listen, this is the, the one bad thing that sometimes comes with Ozempic. It's a good tool for some people, but um, a lot of the times people don't change their behavior. They just rely on the medication once the medication is done because they didn't change the behavior or learn anything throughout the process, they balloon right back up.

• 59:19Speaker 01

  Right.

• 59:19Caleb Hammer?

  Same thing with debt consolidation or uh, you know, transfer to a credit card, you know, balance transfer or bankruptcy or getting bailed out by someone. If you don't change the behavior, guess what? We end up all the way back fucking up with missed payments, late payments, max out credit cards, thirty percent in a firms and a car that isn't even close to something we can afford. So we have three hundred thirty-three dollars and seventy-five cents on this one. What's the monthly for that?

• 59:49Speaker 01

  Uh, the highest. I think it's like thirty-four dollars.

• 59:53Caleb Hammer?

  You're gonna be paying this forever. At thirty percent interest is fucking crazy. Why would you even allow that? Okay, and then this one.

• 1:00:02Caleb Hammer?

  Uh, oh, maybe this is, I think I'm just seeing, no, I'm seeing eleven hours twenty-eight.

• 1:00:07Speaker 01

  A month, yeah. Eleven twenty a month. I have three different.

• 1:00:10Caleb Hammer?

  This is really gonna take forever.

• 1:00:13Speaker 01

  I think total, they're like fifty dollars a month, all three of them.

• 1:00:16Caleb Hammer?

  Oh, yeah, here's another, wait, wait, whoa, whoa, whoa, whoa, whoa, what am I seeing? Okay, maybe that first one was, because now I'm seeing a couple of different things. Sorry, sorry, sorry, sorry. Yes, ye- yes. Oh, there's a finance charge on top of it. Okay, so thirty-four dollars for that first one. It is thirty-four a month. And then the second affirm.

• 1:00:35Speaker 01

  Like eleven? And then one is?

• 1:00:38Caleb Hammer?

  Yeah, the second affirm, we're looking at a, I can't even tell the balance. I see the total payments being made, but I don't know what's left. It doesn't say. Why don't you pull, yeah, why don't you take a little peeky? They're all at twenty-six, thirty percent, you know? It's off.

• 1:00:58Speaker 01

  But look, I have a thirty one percent.

• 1:01:00Caleb Hammer?

  Oh, look.

• 1:01:00Speaker 01

  Fail of or thirty one hundred dollars to spend that I'm not going to.

• 1:01:04Caleb Hammer?

  Oh, look, if you guys get divorced, you'll be living under a bridge.

• 1:01:07Speaker 01

  Okay, so one of them, I have an Amazon affirm. I got that before I had the Amazon credit card.

• 1:01:13Caleb Hammer?

  Yeah, you still have it. That's how prevalent this is.

• 1:01:16Speaker 01

  It's a ninety nine dollar balance.

• 1:01:18Caleb Hammer?

  Which one's that? What minimum payment is that? The eleven twenty eight?

• 1:01:21Speaker 01

  Fourteen twenty six.

• 1:01:22Caleb Hammer?

  Okay, that's a ninety dollar balance?

• 1:01:24Speaker 01

  Ninety nine.

• 1:01:24Caleb Hammer?

  Really? You're not paying a ninety nine dollar balance rate?

• 1:01:27Speaker 01

  Uh.

• 1:01:28Caleb Hammer?

  Okay, and then the last one.

• 1:01:30Speaker 01

  So then I have a three hundred and forty dollar balance.

• 1:01:32Caleb Hammer?

  We have that one. What's the other one?

• 1:01:34Speaker 01

  Uh, I think it's like twenty bucks. I'll pay that off when I get paid.

• 1:01:39Caleb Hammer?

  Okay, and that's the eleven dollar, twenty eight dollar.

• 1:01:42Speaker 01

  Yeah.

• 1:01:42Caleb Hammer?

  Twenty eight cents a month one. Okay.

• 1:01:44Speaker 01

  Mm hmm.

• 1:01:45Caleb Hammer?

  PayPal credit, it's interesting. I've used PayPal credit. It can be a good one and like finance anything as zero percent interest.

• 1:01:50Speaker 01

  I opened that because.

• 1:01:52Caleb Hammer?

  But you're not interested, I'll tell you that.

• 1:01:54Speaker 01

  Hmm. When I was at one of my expos, one of the dealers there, that's like one of the breeders.

• 1:01:59Caleb Hammer?

  Expos? Oh, my.

• 1:02:01Speaker 01

  I'll expose.

• 1:02:02Caleb Hammer?

  You're kidding. It's so much more expensive than you were letting on. Come on. How often do you go to these damn expos?

• 1:02:08Speaker 01

  I missed one last weekend.

• 1:02:10Caleb Hammer?

  Good.

• 1:02:11Speaker 01

  I know.

• 1:02:11Caleb Hammer?

  Missing is not what I'm hoping for. I want you to not go.

• 1:02:14Speaker 01

  I go like two or three times a year.

• 1:02:16Caleb Hammer?

  You can't, because you know you spend money.

• 1:02:17Speaker 01

  I do. I do.

• 1:02:18Caleb Hammer?

  You can't.

• 1:02:20Speaker 01

  Last time I only spent twelve dollars on a frog.

• 1:02:22Caleb Hammer?

  You just don't have money to spend. You're maxed out and you're late on a card. Listen, if you had some bad debt, but you're making your payments and you're not purchasing on them, like we would talk about, like, I would be like, uh, a little disappointed, but okay. You can't. You're late on a card. And you're maxed out on some. This one's five hundred thirty four on a seven hundred fifty credit limit with twenty eight cents. Nine dollars, forty nine cents of interest accruing. Purchases, a hundred fifty six dollars purchases and nineteen cents. Why? For forty one dollars minimum payment. What? It's DoorDash!

• 1:02:51Speaker 01

  DoorDash, yeah. And I found out that I'm.

• 1:02:54Caleb Hammer?

  And TikTok shop.

• 1:02:56Speaker 01

  Yeah.

• 1:02:57Caleb Hammer?

  Ban it for people like you.

• 1:02:59Speaker 01

  They're such good deals.

• 1:03:00Caleb Hammer?

  People like me. Fuck your deals. You don't have the deals. That was more.

• 1:03:04Speaker 01

  That was refunded.

• 1:03:05Caleb Hammer?

  Hey, that was more than your fucking minimum payment on the Amazon card that you weren't making a minimum payment on. The purchase on the TikTok shop. So fuck you, good deal. Fuck you, good deal. No good deal. Good deals pay off debt. Having a emergency fund, being ready for your retirement, being able to sustain yourself, having combined finances with your husband, not hiding three separate things from your husband, if not more. That's a good deal!

• 1:03:25Speaker 01

  I returned it. So that doesn't count.

• 1:03:29Caleb Hammer?

  Doesn't count. You doesn't count. You did it. You pulled the trigger. What is this barren apping?

• 1:03:36Caleb Hammer?

  Great. She doesn't even know and it's eighty nine dollars. Could have covered the minimum.

• 1:03:41Caleb Hammer?

  Seventeen months to pay off without any purchases, but guess what? We're always purchasing.

• 1:03:46Caleb Hammer?

  Twenty eight point four two percent interest.

• 1:03:50Speaker 01

  I also found out.

• 1:03:54Caleb Hammer?

  What is this? I see a deferred interest rate balance. Oh, you're deferring interest. Oh, it's gonna accrue in two months. Oh, me. Interest is about to hit you. Hit you.

• 1:04:10Caleb Hammer?

  There's deferred interest on there. Haven't seen deferred interest in a second.

• 1:04:14Speaker 01

  I don't even know what that means.

• 1:04:16Caleb Hammer?

  It means the balance of that deferred interest thing, which was a hundred forty seven dollars or something like that.

• 1:04:20Speaker 01

  Oh, yeah.

• 1:04:21Caleb Hammer?

  Deferred. If you don't pay it off in time, a couple of months from now, all the back interest hits.

• 1:04:28Caleb Hammer?

  Hmm. Yes, I'm concerned about it, too.

• 1:04:30Speaker 01

  Yeah.

• 1:04:33Caleb Hammer?

  What the is this? Oh, I think this was your.

• 1:04:38Caleb Hammer?

  I think that was another card, second document for another card. Upgrade. Okay, what are you upgrading?

• 1:04:44Speaker 01

  Okay, so fun story with this.

• 1:04:46Caleb Hammer?

  Yeah, fun story. It's a thirty two point nine six percent, the worst one so far.

• 1:04:49Speaker 01

  So I had, believe it or not, I had more credit card debt than this.

• 1:04:53Caleb Hammer?

  I believe it.

• 1:04:54Speaker 01

  I didn't want to ask my husband for help. So I wanted to go to him with a solution, not a problem. So I found.

• 1:05:04Caleb Hammer?

  Is he the CEO? Like, what's happening?

• 1:05:07Speaker 01

  I wanted him to be proud of me. So I got a consolidation loan to pay off. Which I did pay.

• 1:05:16Caleb Hammer?

  It's worse than the credit cards. What in hell is this doing? Because then you just rack the rest up.

• 1:05:20Speaker 01

  Yeah, he, yeah, I.

• 1:05:22Caleb Hammer?

  Does he know about this?

• 1:05:22Speaker 01

  He does know about this.

• 1:05:25Speaker 01

  So as you'll see, like, all of my interest rates are like thirty, so I kind of thought that was just the normal for like an interest rate.

• 1:05:31Caleb Hammer?

  They know how to make their money, let me tell you.

• 1:05:36Speaker 01

  I did pay off a lot with that, but then I just kind of, you know.

• 1:05:39Caleb Hammer?

  Same whingy crybabies who have no nuance or establishment in life that we talked about earlier. They're not angry at them for charging you thirty two point nine six, but they're angry that I yell at you. That you consented to being yelled at. Oh, thirty two, that's crazy. That's what I'm pissed at. That's what I'm fucking against in this world.

• 1:06:01Speaker 01

  Yeah. Yeah. I don't, I thought that was just the norm, like an average interest rate.

• 1:06:07Caleb Hammer?

  Eight thousand four hundred and seventy nine dollars. Minimum payment, a hundred thirteen dollars and sixty eight cents.

• 1:06:12Speaker 01

  So that's only temporary.

• 1:06:14Caleb Hammer?

  What?

• 1:06:15Speaker 01

  Because I called them and I lowered my payment so I could get caught up on other things.

• 1:06:21Caleb Hammer?

  That's your lower payment? When does the full payment kick?

• 1:06:24Speaker 01

  April, April, May, and then it's gonna be three, three fifty, three forty, I don't know.

• 1:06:35Caleb Hammer?

  Me up.

• 1:06:41Caleb Hammer?

  Okay. Is that all the debt? I think I have all the debt.

• 1:06:46Caleb Hammer?

  Nope, I don't have all the debt.

• 1:06:48Speaker 01

  Oh, student loans. Yeah. So I'm not, they're in.

• 1:06:52Caleb Hammer?

  This is so much. How much in total in student loans?

• 1:06:54Speaker 01

  Uh, like one twenty four.

• 1:06:56Caleb Hammer?

  One thirty five, three hundred sixty three. You have a hundred thirty five thousand three hundred sixty three thousand, one for one, what are you, how many years did you go to school?

• 1:07:05Speaker 01

  Pretty much since I've been out of high school.

• 1:07:07Caleb Hammer?

  Oh, you're a permanent schooler. Come on, those people are never successful in life. Those are permanent in school. Don't do that. You could be successful. You have a chance of being successful. Those who do the permanent schooling, they are never successful. And they're also like the biggest victims in the world usually as well, because they think the entire world's against them, but they just stayed in school forever. Like, come on, you want to be that?

• 1:07:28Speaker 01

  No, no, that's not me.

• 1:07:29Caleb Hammer?

  Those people are like the literal failures in life.

• 1:07:32Speaker 01

  My life has brought me on different journeys that have led me to different careers.

• 1:07:36Caleb Hammer?

  No, they've led you to a hundred thirty five thousand three hundred sixty three thousand twenty six cents of student loan debt.

• 1:07:41Speaker 01

  I'm in the forgiveness program, so.

• 1:07:43Caleb Hammer?

  What forgiveness program?

• 1:07:45Speaker 01

  For nonprofit. If you work nonprofit.

• 1:07:47Caleb Hammer?

  Without leaving?

• 1:07:48Speaker 01

  Right.

• 1:07:49Caleb Hammer?

  How long have you been there?

• 1:07:50Speaker 01

  All of my jobs have been.

• 1:07:50Caleb Hammer?

  How long have you been in there?

• 1:07:52Speaker 01

  My current job, three years.

• 1:07:53Caleb Hammer?

  Does it count if you switch between nonprofits?

• 1:07:55Speaker 01

  Yeah, as long as, yeah, as long as it's a nonprofit, then it still counts. So I, I think I'm like five years paid with that. So in another five years, they'll be forgiven.

• 1:08:06Caleb Hammer?

  All?

• 1:08:07Speaker 01

  Mm hmm.

• 1:08:07Caleb Hammer?

  We know that for sure. Now, let me tell you.

• 1:08:13Speaker 01

  But that's why I want to get this taken care of because I'm not making payments right now and eventually I'm gonna have to start.

• 1:08:20Caleb Hammer?

  Are you making the zero dollar payments?

• 1:08:21Speaker 01

  Hmm.

• 1:08:21Caleb Hammer?

  Okay.

• 1:08:22Speaker 01

  Yep.

• 1:08:22Caleb Hammer?

  When does the payment start?

• 1:08:24Speaker 01

  Well, I graduate in December, so it'll be, I think they give you like a couple of months after graduation until you start paying.

• 1:08:31Caleb Hammer?

  What will your payment be?

• 1:08:32Speaker 01

  I don't know.

• 1:08:33Caleb Hammer?

  Well, it really depends what they do with, I don't, can you apply for income driven things right now? Cause they're being challenged in court. All, everyone that was in one is now deferred.

• 1:08:42Speaker 01

  I keep getting emails about that. Yeah, I don't know.

• 1:08:44Caleb Hammer?

  Well, you're getting emails to apply?

• 1:08:46Speaker 01

  I don't, I have.

• 1:08:47Caleb Hammer?

  No, what are you getting emails for?

• 1:08:48Speaker 01

  I don't know. I have freedom.

• 1:08:51Speaker 01

  But I was in one, um.

• 1:08:55Speaker 01

  But it, well, there was that new like save, like the save.

• 1:08:59Caleb Hammer?

  Yeah, but that's me. That's what's being challenged.

• 1:09:01Speaker 01

  But I don't know. It's kind of out of sight, out of mind because I don't have to worry about them until.

• 1:09:06Caleb Hammer?

  That's not true. When are you done with school?

• 1:09:07Speaker 01

  December.

• 1:09:09Caleb Hammer?

  That's not even close to do this. It balances insane.

• 1:09:12Speaker 01

  Mm hmm.

• 1:09:13Caleb Hammer?

  Now, I'm okay with the student loan debt forgiveness, nonprofit government, all that good stuff. Again, you just have to not fuck it up. The statistics around those who are applying and have been denied are dramatically skewed. Cause people that are not qualified for it apply and then they get denied. So though you should be able to get it approved if you actually stick to it. And I confirmed you can sit between nonprofits is, you know, I wanted to be extra a hundred percent sure.

• 1:09:36Speaker 01

  Yeah, I think I have like three different employers right now, like towards that forgiveness. So as long as I stay within a nonprofit.

• 1:09:44Caleb Hammer?

  Yeah, but the thing is you're locking yourself in a potential lower income scale in seven years. Now, this probably offsets your 135,000 hour student loan. But if it was like 30,000 hours, I'd want you to go to a more profit making sector. Uh, safe plan is blocked due to currently, uh, but can you, you can still, uh, for eligible borrowers, you could join an I B R.

• 1:10:07Speaker 01

  But does that include?

• 1:10:08Caleb Hammer?

  Income based repayment.

• 1:10:09Speaker 01

  Like household income because we're.

• 1:10:11Caleb Hammer?

  Would you guys file together?

• 1:10:12Speaker 01

  Mm hmm.

• 1:10:13Caleb Hammer?

  Yes.

• 1:10:14Speaker 01

  So.

• 1:10:14Caleb Hammer?

  But you might still get a little reduced.

• 1:10:16Speaker 01

  Okay.

• 1:10:16Caleb Hammer?

  That's crazy. You guys file together, but you're not willing to, okay. And there's also pay as you earn ones that you can do. Um, mm, but yeah, with the income and.

• 1:10:26Speaker 01

  That's what I'm nervous about is how much those payments are going to be once they start coming around.

• 1:10:33Caleb Hammer?

  And can I say, just because they might be asking, we're keeping his income private.

• 1:10:37Speaker 01

  Dollar amount, yeah.

• 1:10:38Caleb Hammer?

  Income, yeah. So we're just keeping it private for privacy reasons.

• 1:10:44Caleb Hammer?

  I mean, if it's a normal payment, it's gonna be like a thousand five hundred dollars.

• 1:10:48Speaker 01

  A month?

• 1:10:49Caleb Hammer?

  Yeah, if it's normal on the ten year traditional, you'll probably get in some kind of income thing because it's a substantial balance. But I don't know his income.

• 1:10:55Speaker 01

  Right.

• 1:10:56Caleb Hammer?

  Because I don't even know for the privacy reasons, which is totally okay. So a lot of that's going to be dependent. You're just gonna have to apply and find out. And it's going to be December, but that's going to be a huge thing. And obviously, you're potentially, potentially restricting your income for seven years to stick to this. And also, there is one more caveat I just want to mention. We have a new head of the Department of Education. I don't know if that person's been confirmed or what their name even is. But they could, like, get rid of all this. They could change the rules. They could not forgive loans. Like, it'll be, like, it'll be a different administration because of term limits by the time that you're seven years in. But we don't know what things are going to look like. The tide might completely shift from student loan to forgiveness to absolutely no one gets forgiven.

• 1:11:37Caleb Hammer?

  I don't think we'll go there for nonprofits and public workers, but even still, there is a risk and you're locking yourself into this only one thing works scenario with no exit plan. And that would be the one thing that makes me nervous. Okay, what do we have here? Oh, this is earning?

• 1:11:53Speaker 01

  Yeah.

• 1:11:53Caleb Hammer?

  Oh, earning in, in, how much you earn? Oh, my gosh, it's pages of earning.

• 1:11:57Speaker 01

  I usually use it every, every pay period.

• 1:12:01Caleb Hammer?

  Five pages, six pages of earning, seven pages of earning, the fucking micro payday loan.

• 1:12:11Caleb Hammer?

  You tipped them? You tipped them?

• 1:12:13Speaker 01

  I feel bad.

• 1:12:15Caleb Hammer?

  Feel bad. You're borrowing a micro payday loan.

• 1:12:18Speaker 01

  They're helping me.

• 1:12:19Caleb Hammer?

  They are not helping you. They are making so much money off you. What the do you think? What are you tipping? What are you tipping? What are you tipping? What are you possibly tipping? What are you tipping?

• 1:12:27Speaker 01

  Only like a dollar or two.

• 1:12:28Caleb Hammer?

  Per?

• 1:12:29Speaker 01

  Per, yeah.

• 1:12:30Caleb Hammer?

  You have seven pages in a fucking month.

• 1:12:32Speaker 01

  I don't.

• 1:12:32Caleb Hammer?

  That's a lot of per's.

• 1:12:34Speaker 01

  The one I took out yesterday was only a dollar.

• 1:12:36Caleb Hammer?

  Why are you taking out a dollar, lady?

• 1:12:38Speaker 01

  No, I tipped a dollar for the one I took out.

• 1:12:41Caleb Hammer?

  Why are you tipping for taking out a payday loan?

• 1:12:43Speaker 01

  I don't know. I thought you had to.

• 1:12:46Caleb Hammer?

  You have to. What do you mean? You didn't see the no option?

• 1:12:50Speaker 01

  It just tells you to type in an amount.

• 1:12:52Caleb Hammer?

  You're hitting it like eight dollars, eight dollars per tip. You're eight dollar tipping.

• 1:12:57Speaker 01

  That's if I want it instantly, which I don't always do.

• 1:13:01Caleb Hammer?

  Gosh, how much in earning are you doing? How much in earning are you doing? It literally says seven dollars. Seven ninety-nine.

• 1:13:09Speaker 01

  Yeah, that's, that's the instant.

• 1:13:10Caleb Hammer?

  Plus fee.

• 1:13:11Speaker 01

  Yeah.

• 1:13:11Caleb Hammer?

  Plus fee. Plus fee.

• 1:13:14Speaker 01

  That is the fee.

• 1:13:14Caleb Hammer?

  Plus fee is what it says, lady.

• 1:13:17Speaker 01

  Got you. Okay. I don't know. I usually use like three hundred max. I think I got really bad to the point where I think I had like five hundred dollars out at one point.

• 1:13:28Speaker 01

  And then I get into the loop of, well, now I gotta pay it back. And then I need more because I ran out of money. So I only have like one fifty out right now.

• 1:13:36Caleb Hammer?

  Okay. Let's write it down and let's get out of that.

• 1:13:42Caleb Hammer?

  That's crazy. You can't do this. You have kids, you have animals, you have, is that all the debt?

• 1:13:49Speaker 01

  I think so.

• 1:13:50Caleb Hammer?

  Well, it's certainly horrendous. A hundred and seventy-three thousand, one hundred and ten dollars and sixty-two cents. You're also taking out graduate loans and stuff like that. I don't think the interest rate on these loans are gonna be great. Well, actually the right here. Yeah, I see an eight percent one right here. That's crazy. Seven, six, five, eight, six point eight, six point eight, six point, these are horrible. These student loans are horrible, the federal ones.

• 1:14:12Caleb Hammer?

  They're gonna be bad. Maybe like a thousand seven hundred and fifty dollars a month. Okay, checking account nineteen dollars and eighty-nine cents.

• 1:14:21Speaker 01

  But I took out earnings.

• 1:14:22Caleb Hammer?

  Oh, but good God, thank goodness. We got fucking ice cream for ten dollars. Thank, that's what we need when we're dying, when we're dying. Fuck you.

• 1:14:32Caleb Hammer?

  I just want you to do better. I, I need to remind people that, because I know I get excited.

• 1:14:38Speaker 01

  We like to go on late night trips to get.

• 1:14:40Caleb Hammer?

  Your late night trip, late night payoff debt, late night payoff debt. Sit down and watch a boring late night TV show. I don't know how people watch those anymore and pay off debt.

• 1:14:50Speaker 01

  Yeah, like financial audit.

• 1:14:52Caleb Hammer?

  Unless you invite me on it.

• 1:14:54Speaker 01

  You want to be on our show?

• 1:14:55Caleb Hammer?

  Huh?

• 1:14:56Speaker 01

  What are we inviting you on?

• 1:14:57Caleb Hammer?

  Like a late nineteen?

• 1:14:57Speaker 01

  Oh, yeah.

• 1:14:58Caleb Hammer?

  No, not really, but I saw LTT was on one, so it's really cool. Linus Tech Tips.

• 1:15:02Speaker 01

  Love is Blind is coming out, so.

• 1:15:05Caleb Hammer?

  I should be on that show.

• 1:15:07Speaker 01

  They were in Houston. I mean, that's close enough to Austin, right?

• 1:15:10Caleb Hammer?

  Yeah, I just know I would say I'd get nervous when I flirt, so I'd say something dumb and then I'd get like canceled or something. I'd be like, ugh, nice boobs. I don't know.

• 1:15:20Speaker 01

  But then you'd probably be a hit because people like trash TV, so you'd probably fall right under that category.

• 1:15:25Caleb Hammer?

  Yeah, but, but also, geez, I would probably look back because I'd just get so nervous. Uh, Dunkin' Donuts, yeah, that's more important than our survival and our kids and our animals and Apple and Apple and.

• 1:15:39Caleb Hammer?

  Yeah, my producers say I'd be more love on the spectrum.

• 1:15:42Speaker 01

  A lot of the Apple transfers, uh, my husband and I send money back and forth because like if we go to a grocery store, we'll split the bills, so like I'll send him money.

• 1:15:49Caleb Hammer?

  Why do you guys manage money like this? Why aren't you just buying for the fucking house?

• 1:15:53Speaker 01

  We do, like we'll buy for the house and then I get.

• 1:15:55Caleb Hammer?

  Yeah, but you're splitting. It's weird. Just budget in a pile. Uh, Seven Brew, Five Guys, Sonic, earning, earning, eBay, two hundred and twelve thousand fucking eBay?

• 1:16:08Speaker 01

  I got my husband a really, it's a retired Destiny two pin that he wanted for Christmas.

• 1:16:12Caleb Hammer?

  And you'll never be able to retire.

• 1:16:15Speaker 01

  Probably not. I'm gonna be a Walmart greeter.

• 1:16:17Caleb Hammer?

  Yes, you're gonna die in the Walmart floor. I mean, use that terminal while, but it's absolutely true. Dunkin' Mobile, going and getting some BS, going and getting some BS.

• 1:16:29Caleb Hammer?

  Colaches, Oculus for the kid, probably.

• 1:16:33Speaker 01

  Yeah.

• 1:16:33Caleb Hammer?

  Oh, so it's a subscription and then.

• 1:16:36Speaker 01

  I probably bought her a game for it.

• 1:16:38Caleb Hammer?

  You shouldn't loop in. Plate pass? What the f- is the plate pass?

• 1:16:42Speaker 01

  Oh, so when we traveled to New York, that was like the site that they pay the tolls. They use like, because I had to get a rental.

• 1:16:49Caleb Hammer?

  Take the subway.

• 1:16:51Speaker 01

  I live, I don't live in New York City.

• 1:16:53Caleb Hammer?

  Oh, sorry. That's what I think when I think New York. That's someone from not New York.

• 1:16:56Speaker 01

  Everyone does.

• 1:16:56Caleb Hammer?

  It's fair enough, right?

• 1:16:58Speaker 01

  There's more to New York than the city.

• 1:17:00Caleb Hammer?

  Well, yeah, yeah, yeah. It's like, I think when a lot of people say Washington, unless you're from there, they think Washington DC, not the state of Washington. Going and getting some BS, Apple cash, Apple is coding, getting some BS, going and getting some BS and Apple subscription on my Patreon. Who the are you Patreoning to?

• 1:17:16Speaker 01

  Uh, Green Room Python.

• 1:17:17Caleb Hammer?

  Uh huh, uh huh.

• 1:17:19Speaker 01

  I got a lot of my snake education from him.

• 1:17:21Caleb Hammer?

  You know, our, I'm sorry for the plug, but you know, our membership actually like delivers more content than any other membership we have been able to find. Yeah, you subscribe to fucking Python bullshit. That. American cookies, Starbucks, car wash? Come on. Was that when you were in New York?

• 1:17:39Speaker 01

  It's prob-

• 1:17:41Caleb Hammer?

  If it wasn't, then no fucking excuse because we don't have salt. We don't have snow. You had a little snow, but it wasn't during that.

• 1:17:46Speaker 01

  My car still gets dirty.

• 1:17:47Caleb Hammer?

  Oh, well, but that's not fucking impacting your car. Duncan, not our shit. We don't, we're not in a desert. You're in a swamp. Chick-fil-A, uh, going and getting some BS. Starbucks, pub, pub, Venmo, not twenty dollars, restaurant, Jersey Mike's, Five Guys, marble slab, ice cream.

• 1:18:09Caleb Hammer?

  Oh, this is, you're making me read so much, my throat already fucking hurts. Earnin', earnin'. Apple cash, Starbucks, Starbucks. Tipping brew, Amazon, Macy's, Whataburger, Discord, fucking Nitro. What the are you?

• 1:18:24Speaker 01

  I have to pay for my entry sounds.

• 1:18:26Caleb Hammer?

  Huh?

• 1:18:26Speaker 01

  My entry sounds. So like when you go into a chat, you have like-

• 1:18:29Caleb Hammer?

  I'm gonna murder your existence. I'm going to, I'm gonna take out every tarantula and put them in your bed.

• 1:18:36Speaker 01

  I would like that.

• 1:18:36Caleb Hammer?

  At night.

• 1:18:37Speaker 01

  I bet they're really soft and cozy.

• 1:18:38Caleb Hammer?

  I bet they are until their fangs are in your neck, of which you will deserve for paying for sound entry music. I'll need to hear that music, by the way.

• 1:18:48Speaker 01

  It's popular by Wicked.

• 1:18:50Caleb Hammer?

  So you join in and it goes popular.

• 1:18:53Speaker 01

  You're gonna be popular.

• 1:18:55Caleb Hammer?

  You're off key.

• 1:18:56Speaker 01

  I know. It's the best part of me.

• 1:18:58Caleb Hammer?

  Going in and getting some BS. Apple Cash, Dunkin' Donuts, going in and some BS, running out $10, going in and getting some BS, PayPal paying for fuck me.

• 1:19:06Speaker 01

  Yeah, I forgot about those.

• 1:19:07Caleb Hammer?

  Bath and Body Works, I bet you did. Starbucks, Scooter's Coffee, Whataburger, Dunkin'.

• 1:19:13Speaker 01

  I like coffee.

• 1:19:14Caleb Hammer?

  Brew, Sonic, yeah, so do I, and I make my coffee at home or at the office.

• 1:19:18Speaker 01

  It's never the same.

• 1:19:19Caleb Hammer?

  It is if you actually make it better. It's even better. Especially Starbucks. It's so much better than Starbucks.

• 1:19:25Speaker 01

  Starbucks is trash, but I really like Seven Brew. I think they're my favorite.

• 1:19:28Caleb Hammer?

  Well, you go there every second of your life, but get better beans, get better roasting techniques. Fuck you.

• 1:19:33Speaker 01

  I just get iced. I don't like hot coffee.

• 1:19:36Caleb Hammer?

  No one's ever had ice in their house.

• 1:19:38Speaker 01

  Nope.

• 1:19:39Caleb Hammer?

  No one's ever had that. Fuck you. Stop. That's not, that's not funny. It's not funny. You have the ability to get out of debt. You can fucking make coffee at home. Shut the fuck up.

• 1:19:48Caleb Hammer?

  Sonic, Seven Brew, Sonic.

• 1:19:52Caleb Hammer?

  Going into BS, Dunkin' Mobile, Jets Pizza, my, oh, $2,000 in retirement at 34. Guys, we're, we're doing great. We're doing great.

• 1:20:02Speaker 01

  It would be more, but every time I've changed jobs, I take them up.

• 1:20:04Caleb Hammer?

  Cold brew coffee. It's easy.

• 1:20:06Speaker 01

  I've tried. I don't like it.

• 1:20:08Caleb Hammer?

  Have you made it?

• 1:20:08Speaker 01

  Mm-hmm.

• 1:20:09Caleb Hammer?

  Have you made good versions?

• 1:20:10Speaker 01

  Probably not.

• 1:20:11Caleb Hammer?

  Uh-huh.

• 1:20:11Speaker 01

  Mm-hmm.

• 1:20:12Caleb Hammer?

  What a joke. Well, I saw your mobile payment in there, so I would do helium for 15 bucks a month.

• 1:20:20Speaker 01

  Do what?

• 1:20:21Caleb Hammer?

  Switch to helium. Same towers as T-Mobile.

• 1:20:24Speaker 01

  Oh, I'm on my husband's plan, so.

• 1:20:26Caleb Hammer?

  So the payment was from him? I saw Spectrum.

• 1:20:30Speaker 01

  So Spectrum is...

• 1:20:32Caleb Hammer?

  Spectrum Mobile.

• 1:20:32Speaker 01

  That's the internet.

• 1:20:33Caleb Hammer?

  But it said mobile.

• 1:20:35Speaker 01

  Oh, because it's internet and phone.

• 1:20:37Caleb Hammer?

  So he, okay.

• 1:20:38Speaker 01

  Yeah.

• 1:20:39Caleb Hammer?

  All right, let's get this budget.

• 1:20:40Speaker 01

  Yeah, the phone's like 30 bucks a month.

• 1:20:42Caleb Hammer?

  So I have to budget for, I guess, you, and I will allocate what amount of money you're allowed to put towards the house. What is your portion of rent or mortgage or whatever it is?

• 1:20:50Speaker 01

  $4.25.

• 1:20:52Caleb Hammer?

  Okay, that's not terrible. Utilities? Average it out.

• 1:20:56Speaker 01

  I pay 80 in electric.

• 1:21:00Caleb Hammer?

  That's a lot. So you put anything towards water, sewer, gas?

• 1:21:07Speaker 01

  Nope.

• 1:21:07Caleb Hammer?

  Internet?

• 1:21:09Speaker 01

  Nope.

• 1:21:10Caleb Hammer?

  Let me get your debt.

• 1:21:11Speaker 01

  Just the, the Spectrum internet, so like...

• 1:21:14Caleb Hammer?

  Yeah, what do you put towards it?

• 1:21:15Speaker 01

  Like, between that and the phone, $1.90.

• 1:21:19Caleb Hammer?

  You put that?

• 1:21:20Speaker 01

  Or not 190. Oh, my gosh. 120 a month.

• 1:21:22Caleb Hammer?

  You put that?

• 1:21:23Speaker 01

  Mm hmm.

• 1:21:23Caleb Hammer?

  That's fucking crazy.

• 1:21:25Speaker 01

  And then I do, uh, we have an annual HOA fee of 250. So.

• 1:21:31Caleb Hammer?

  Okay.

• 1:21:32Speaker 01

  So I, I pay our HOA is 500, but I pay 250 of it.

• 1:21:37Caleb Hammer?

  You pay the HOA?

• 1:21:38Speaker 01

  Mm hmm.

• 1:21:40Speaker 01

  250.

• 1:21:40Caleb Hammer?

  Why? Where are you paying?

• 1:21:43Speaker 01

  We split it.

• 1:21:44Caleb Hammer?

  So you pay 250?

• 1:21:45Speaker 01

  Yeah.

• 1:21:46Caleb Hammer?

  So it's double that?

• 1:21:46Speaker 01

  Yeah. So for the.

• 1:21:48Caleb Hammer?

  When do you pay that? Do you pay it monthly?

• 1:21:49Speaker 01

  No, um, we.

• 1:21:51Caleb Hammer?

  What the are you talking about?

• 1:21:53Speaker 01

  It's just an expense that I pay. I help towards the house. I pay.

• 1:21:56Caleb Hammer?

  Okay, your debt minimum monthly payments are insane. It's half of your income. 992 dollars and 77 cents. I have, I, this is gonna be hard to see a way to get out of. What's the annual HOA?

• 1:22:05Speaker 01

  500. So I pay 250 a year. And it's due, we just paid it.

• 1:22:11Caleb Hammer?

  Okay, so $21 a month. We'll put that in. Car insurance?

• 1:22:16Speaker 01

  I pay 90.

• 1:22:17Caleb Hammer?

  It's not bad. Vroom, vroom, drive, drive, gas?

• 1:22:20Speaker 01

  Like 60 a month.

• 1:22:21Caleb Hammer?

  Nothing. Do you live from home?

• 1:22:23Speaker 01

  Like hybrid.

• 1:22:25Caleb Hammer?

  How are you only 60 bucks a month?

• 1:22:26Speaker 01

  Cause it takes 30 bucks to like fill my tank and that lasts me about two weeks.

• 1:22:30Caleb Hammer?

  Wow, okay. Uh, TP fund, anything else you need to survive? Anything for the kids as well? 150. Okay, necessary food. You get to do $300 for the grocery, grocery budget. You downloaded the simpler budget app. So use the cookbook. Use the budget friendly cookbook. Helps you meal prep. Good, good, good, good, good. Medical healthcare. Do you have anything ongoing? Copays, therapies, that kind of stuff?

• 1:22:51Speaker 01

  I have $20 for prescriptions.

• 1:22:54Caleb Hammer?

  Uh, open up your iPhone.

• 1:22:57Caleb Hammer?

  For me, please. How old are your cats and what are their health?

• 1:23:01Speaker 01

  How old are my cats? Uh, so I have four.

• 1:23:03Caleb Hammer?

  Open your phone.

• 1:23:04Speaker 01

  Youngest one.

• 1:23:05Caleb Hammer?

  Open your phone.

• 1:23:06Speaker 01

  It's open.

• 1:23:07Caleb Hammer?

  Cool. Uh, what are the ages? Just what are the ages?

• 1:23:10Speaker 01

  Four, eight, seven, 13.

• 1:23:13Caleb Hammer?

  Okay, so for the four year old, we're gonna get $40 cat insurance. I don't think we can get the rest of them. How is, how's the health of the four year old?

• 1:23:19Speaker 01

  Oh, she's good.

• 1:23:20Caleb Hammer?

  Good. Get that one 40. Health insurance, uh, uh, pet insurance. You should have been getting pet insurance for all of them. Subscriptions. Let's see. I want to see actively on here. Good.

• 1:23:30Speaker 01

  Husband had them when I moved in.

• 1:23:31Caleb Hammer?

  You've canceled. You've canceled. You've canceled. And of course, your, uh. The the simpler budget one, you don't have to worry about canceling that because you get it for free forever. And then you had a dieting app, but good. You've had every subscription in the world, World of Warcraft, all of it. But good.

• 1:23:45Speaker 01

  World of Warcraft.

• 1:23:47Caleb Hammer?

  Yeah, there was something on there. Maybe it's for the kid. Uh, okay. Anything else that needs to be in your budget that I have not taken into account?

• 1:23:53Speaker 01

  Um, gym.

• 1:23:53Caleb Hammer?

  Um, yes, how much for gym?

• 1:23:56Speaker 01

  So currently I'm paying.

• 1:24:01Speaker 01

  Eighty-five, if I remember, so I have two different gym memberships. Um, but I'm canceling one of them, but you.

• 1:24:06Caleb Hammer?

  Okay, so what then? How much?

• 1:24:07Speaker 01

  Uh.

• 1:24:08Caleb Hammer?

  How much a month?

• 1:24:09Speaker 01

  Let's say eighty-five.

• 1:24:11Caleb Hammer?

  Okay. Anything else?

• 1:24:14Speaker 01

  Oh, and my phone bill. My phone bill is sixty.

• 1:24:16Caleb Hammer?

  Well, you told me you the and what the fuck are you talking about? You told me the internet.

• 1:24:21Speaker 01

  That's for, that's for my daughter, but then I have my phone that I pay.

• 1:24:26Caleb Hammer?

  Okay, maybe she does helium then. Sixty?

• 1:24:30Caleb Hammer?

  It well, is her phone owned outright?

• 1:24:32Speaker 01

  Yes.

• 1:24:32Caleb Hammer?

  Financed?

• 1:24:33Speaker 01

  No, it's owned outright.

• 1:24:34Caleb Hammer?

  Okay, can you do helium? Fifteen bucks a month?

• 1:24:36Speaker 01

  Probably.

• 1:24:36Caleb Hammer?

  And just T-Mobile's probably good in New York, right?

• 1:24:38Speaker 01

  Mm-hmm.

• 1:24:39Caleb Hammer?

  Okay, we'll put fifteen in then for that. So, yeah, I mean, unfortunately, this does not work. But there is a good combination. Or there is a good solution combination. You guys need to get combined. We're gonna get you to call him and confess to him. In a more private setting than the post-show, you're gonna call, you're gonna confess all your debt, things you're hiding. And then you guys need to work to get on the same page because the reality is you are underwater by three hundred twenty dollars and with school and everything, it's gonna be hard to work extra hours. I don't know his income, but you guys have to combine and you need to start working to pay off this debt together. That is going to be the solution here because you cannot do this on your own. Other than that, it's letting things go to collections, your credit, you really care about that.

• 1:25:22Caleb Hammer?

  I would definitely close the accounts because you have no ability to control having access to credit. You don't. Um, even if it hurts your credit score, it is okay. How much was the car worth? I think I missed that. Uh, you owe.

• 1:25:33Speaker 01

  Only like twelve, probably. I think the last.

• 1:25:35Caleb Hammer?

  Sixteen is what we're getting, but you owe.

• 1:25:38Speaker 01

  Twenty-three.

• 1:25:39Caleb Hammer?

  Yeah. So you could, I guess, if you qualify, maybe get like a.

• 1:25:47Caleb Hammer?

  You owe twenty-three, but it's worth.

• 1:25:51Caleb Hammer?

  Sixteen, ah, nevermind. I was gonna potentially do a little finagling with financing, but yeah, I think you guys need to confess. You guys need to sit down and really talk about the money. You need to understand what's happening here. Trying to think of resources I can connect you to. We love course careers. I give everyone a course career certification, but it doesn't,

• 1:26:15Caleb Hammer?

  that's not your situation. I don't think there's anything else I can give. This is the budget app. Use that together. Go through the education, the debt class, the investing class, all this stuff. Use that. Go through it together and work together to pay off the debt. I don't know his income situation. I'm gonna have to know off camera on that fact, but that could be the way.

• 1:26:33Speaker 01

  Okay.

• 1:26:35Caleb Hammer?

  That or you're just gonna have to go through bankruptcy or let it go, or go make more money by working a second job.

• 1:26:41Speaker 01

  I tried to do Amazon Flex, but, um, so like I check it every day to see what like offers are available, but a lot of them are.

• 1:26:49Caleb Hammer?

  You're competing with a lot of people who want.

• 1:26:51Speaker 01

  Yeah, I was, and the ones that usually are available are like further from me. So by the time I get down there, all the gas and everything, it doesn't really.

• 1:26:59Caleb Hammer?

  Okay. Well, your hammer financial score, spending or budgets, zero out of 10, you overspend, debt, no collections, but it is as bad as it gets with that. The balance versus your income, one out of 10. It's horrible. Emergency fund, give a zero because you don't have anything in there anymore. Retirement, barely started. I'll give you one out of 10. Dramatically behind real estate, zero out of 10. Hammer financial score gonna round you up to point five out of 10. All right. We're gonna call him in the post show. It's gonna be wild. Don't forget to download the simpler budget app, guys, and try it for free today. I'll see you guys in the post show. We're gonna call the husband. We are gonna confess all your sins.

• 1:27:34Speaker 01

  I have some things to confess.

• 1:27:36Speaker 03

  Oh, God.

• 1:27:37Speaker 01

  I have a separate spreadsheet that you don't know about that has all my credit card debt and my earning money that you don't know about.

• 1:27:47Speaker 03

  I thought the affirm was gone.

• 1:27:48Caleb Hammer?

  They had to guess. How much debt does she have?

• 1:27:50Speaker 03

  What I was told was like $1,000. I did not want to do a joint checking account.

• 1:27:57Caleb Hammer?

  Is the marriage financially, financially healthy if we literally cannot trust the other person financially?

• 1:28:02Speaker 03

  I mean, I'm not gonna lie to you, like, I'm kinda pissed.

• 1:28:05Speaker 01

  Yeah.

• 1:28:06Caleb Hammer?

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