It Finally Happened.. | 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.

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You've affirmed DoorDash Chick-fil-A.

• 1:05Speaker 03

  It was like $40.

• 1:07Caleb Hammer?

  Oh, we're not affirming DoorDash.

• 1:09Speaker 03

  Why would I pay $40 in one payment? I could split it into four.

• 1:14Caleb Hammer?

  We knew it would happen in this show. Here it is. Are you kidding me? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

• 1:48Speaker 03

  Hi, my name is Lucia. I'm 22 and I'm from Houston, Texas. And this is the Financial Audit.

• 1:55Caleb Hammer?

  Well, thanks for coming over to Austin. I'm happy to have you on the show. What are you doing Houston for a living?

• 2:02Speaker 03

  I am a client service coordinator for a specific bank, or I can't say the bank name.

• 2:08Caleb Hammer?

  Very vague, but okay, that's okay. That's okay. What are you making?

• 2:12Speaker 03

  I make about forty thousand a year.

• 2:14Caleb Hammer?

  Okay, Houston ain't cheap. It ain't the most expensive. About forty thousand is gonna be hard. How you doing? How you doing in Houston on that?

• 2:25Speaker 03

  It's a little rough, you know, I could get paid more, honestly.

• 2:29Caleb Hammer?

  If you could, why aren't you?

• 2:30Speaker 03

  I think that I deserve to be paid more, but they don't really, they only give me a dollar every year. You know, like hourly, they they just give me a dollar more every year.

• 2:41Caleb Hammer?

  They hate you?

• 2:42Speaker 03

  Well, it's not that they hate me. They really do. They do like me.

• 2:45Caleb Hammer?

  What did you eat for breakfast this morning?

• 2:47Speaker 03

  Watermelon.

• 2:48Caleb Hammer?

  Who'd you almost tended to?

• 2:49Speaker 03

  My coworker.

• 2:50Caleb Hammer?

  And why?

• 2:52Speaker 03

  Because I was thinking of him.

• 2:54Caleb Hammer?

  And what, racism?

• 2:56Speaker 03

  I don't think that matters.

• 2:57Caleb Hammer?

  What do you mean by that? So they're paying you forty thousand dollars a year because they hate you. Okay, right.

• 3:03Speaker 03

  Yeah.

• 3:05Caleb Hammer?

  Understood. So, but living in Houston, you feel like you should make more? Okay.

• 3:13Caleb Hammer?

  How are you actually living in Houston? How's life? What is going on?

• 3:17Speaker 03

  Um, well, I live with my parents. I was living on my own, but recently I did.

• 3:23Caleb Hammer?

  You had to move back in?

• 3:24Speaker 03

  I did move back in with them because it would have been a more financially.

• 3:30Caleb Hammer?

  Well, yeah, if you're gonna stay at forty thousand hours a year in Houston, Texas, it certainly would. So I assume you're from Houston. Did you go to college? What did you do?

• 3:38Speaker 03

  I did go to Lone Star, but I haven't.

• 3:41Caleb Hammer?

  That's a beer. I don't know. Lone Star is a beer.

• 3:45Speaker 03

  No, like Lone Star College, you know, or like the, you know?

• 3:49Caleb Hammer?

  Lone Star College University? I'm not familiar.

• 3:53Caleb Hammer?

  Is it a community college?

• 3:55Speaker 03

  Um, I guess it is kind of a community college.

• 3:58Caleb Hammer?

  What did you graduate with?

• 3:59Speaker 03

  I did not graduate.

• 4:00Caleb Hammer?

  Did you drop out?

• 4:02Speaker 03

  I haven't dropped out. I just haven't re-enrolled for the fall semester yet.

• 4:07Caleb Hammer?

  What are you studying?

• 4:09Speaker 03

  Business administration.

• 4:10Caleb Hammer?

  Okay, and that can be a good, you can get into a lot of different career fields. I like that. However, most people are usually graduating twenty-two years old. How much school you got left?

• 4:21Speaker 03

  Um, a lot. I've only done maybe about one year's worth of courses.

• 4:27Caleb Hammer?

  How long have you been going?

• 4:29Speaker 03

  So I started around maybe twenty twenty-two.

• 4:33Caleb Hammer?

  Great.

• 4:33Speaker 03

  And I did go to that.

• 4:35Caleb Hammer?

  Great. And then you move them back with, I feel like we're going, we're doing life reverse. I feel like we're doing reverse life. Start school three years ago, only have completed one year's worth of school, moved out, lived independently, moving back home. What, what is going on in your life?

• 4:52Speaker 03

  Um.

• 4:52Caleb Hammer?

  Is happening?

• 4:53Speaker 03

  I made some purchases and so.

• 4:56Caleb Hammer?

  Everyone makes purchases. That's okay.

• 4:58Speaker 03

  Well.

• 4:59Caleb Hammer?

  That's what's going on in your life is you've made some purchases?

• 5:02Speaker 03

  I'm just a girl.

• 5:06Speaker 03

  You know, some purchases like.

• 5:08Caleb Hammer?

  Someone get the AR fifteen. Don't make me, don't, don't can just ruin me. Don't ruin me less than, what are we, four, four minutes into this conversation? Don't ruin me. It's not cute. It's not funny. Don't ruin me. If you're actually girl-braining this, girl-mathing this, moronic-ing this, if we're being honest, I mean, that's all that really is. It's not cutesy. It's not funny. It's not silly. It's moronic. You're making forty thousand hours a year. You've completed one year of school within three years ago to school and you're moving back in after you were already independent.

• 5:39Speaker 03

  I went to cosmetology school also.

• 5:42Caleb Hammer?

  That basically leads to nothing.

• 5:44Speaker 03

  Yeah, I didn't, I didn't complete that either.

• 5:47Caleb Hammer?

  That's not even a long program. Why are you laughing about that?

• 5:50Speaker 03

  I didn't learn anything.

• 5:53Caleb Hammer?

  It's cosmetology.

• 5:55Speaker 03

  They weren't showing me anything like everything was like self-taught basically.

• 6:00Caleb Hammer?

  You didn't complete it.

• 6:01Speaker 03

  Well, they sucked. Why would I complete it if they suck?

• 6:05Caleb Hammer?

  Okay, they're telling me you literally didn't go.

• 6:08Speaker 03

  I did go to school. It's, it's not my fault that they suck at teaching and I didn't want to be taught by people that suck at teaching.

• 6:14Caleb Hammer?

  What, okay, what did they suck at teaching? Go on.

• 6:18Speaker 03

  Hair. I don't know.

• 6:22Caleb Hammer?

  Okay. Hair.

• 6:25Speaker 03

  Yeah, you know, like. Like, cutting the hair, like, I could get the dye and the hair process, that's pretty easy, you know? Um, but like, the complexity of cutting the hair and learning all about that, like, they just made you do like, self-teach, basically. Why would I pay a lot of money to basically teach myself how to do that? So I just, I dropped out.

• 6:51Caleb Hammer?

  What are you, I, what are your goals in life? This makes no sense. I don't understand what's going on. You look like fucking Hispanic Mitch McConnell. I, like, I'm so confused on your entire existence. What are you trying to do in life?

• 7:07Speaker 03

  Uh.

• 7:10Speaker 03

  I don't know, just.

• 7:13Speaker 03

  I don't know.

• 7:13Caleb Hammer?

  Do you have anything for me? What the are we talking about, lady? You're drowning in debt. That, you, that's a qualification for coming on this show, okay? Forty-five thousand hours to get you. And you're moving back in, you're going reverse, we're doing life reverse. You started at the midpoint of the Life Board game and you decided to turn the car around.

• 7:32Speaker 03

  I don't think I'm doing that bad, honestly.

• 7:34Caleb Hammer?

  Oh, go on, go on and tell me.

• 7:37Speaker 03

  I feel, I feel like other people are doing worse than I am. You know, I feel like I'm doing relatively.

• 7:42Caleb Hammer?

  You're right, there is someone smoking somewhere on the streets of Austin, sure. That means what you're doing is okay? That means you going in reverse is okay?

• 7:54Caleb Hammer?

  Go on, explain that, explain that to me, that doesn't make any sense.

• 7:58Speaker 03

  Is there reverse in the room with us? How am I going in reverse?

• 8:02Caleb Hammer?

  Have, have I not explained it two times? Are you sure the teachers were bad? Or you're just a dumb confused?

• 8:08Speaker 03

  The teachers.

• 8:10Caleb Hammer?

  I don't think so, lady, do you not understand? I've explained it twice. Do you get it? I've explained it twice.

• 8:18Speaker 03

  Maybe you should explain it a third.

• 8:19Caleb Hammer?

  One year of school. In three years, moved out, was independent, had to move back in. You're going in reverse. You've tried like fifty school options anyway. Your life's a joke. I don't, I don't understand. What's even your view on money? What are you even just like, what's your perspective? Cause forty-five thousand dollars of debt with nothing going in life at twenty-two, what the are you even thinking?

• 8:45Speaker 03

  Um, well, money comes back every two weeks, you know, like as long as I'm employed.

• 8:52Caleb Hammer?

  She's fucking, guys, chat.

• 8:57Caleb Hammer?

  She's, oh my gosh. Yeah, it comes back every two weeks. That's called your paycheck.

• 9:02Speaker 03

  Exactly. If I was paid weekly, then it would come back every week.

• 9:06Caleb Hammer?

  Yeah. And if you're fired, it comes back never.

• 9:08Speaker 03

  Well, I just gotta make sure I don't get fired.

• 9:11Caleb Hammer?

  You're sending your black coworker watermelon pictures in the morning. The day before Juneteenth.

• 9:18Speaker 03

  If I get fired, I could just get unemployment.

• 9:22Caleb Hammer?

  Well, how long have you been in this job?

• 9:24Speaker 03

  Two years.

• 9:25Caleb Hammer?

  Okay. Yeah, sure. But it wouldn't be so like great. And also you wouldn't be on it forever.

• 9:31Speaker 03

  It'll get me by.

• 9:32Caleb Hammer?

  It'll get you by for a little bit. I mean, you live with your parents because you're a literal child.

• 9:38Speaker 03

  I don't think so.

• 9:41Caleb Hammer?

  Are you just gonna like dissent to everything?

• 9:43Speaker 03

  I go to work every day. I pay my bills.

• 9:47Caleb Hammer?

  You make forty thousand dollars. You weren't paying your bills. That's why you had to move back in with your family.

• 9:50Speaker 03

  I was paying my bills.

• 9:51Caleb Hammer?

  But you couldn't afford them. Why'd you move back in? Why'd you move back in then, huh?

• 9:55Speaker 03

  To save money.

• 9:56Caleb Hammer?

  Because you couldn't afford it.

• 9:58Speaker 03

  Because I wanted money. Well, I wanted to have more money than, you know, if I, when I pay rent, I have less money available. And so moving back in with my parents, you know, I have more money available.

• 10:10Caleb Hammer?

  What are we trying to do? What the are we trying to do?

• 10:16Caleb Hammer?

  You have no plan. You have no desire. Why the are you here? Why am I talking to you?

• 10:26Caleb Hammer?

  She doesn't even fucking know what the fuck is happening. What are you?

• 10:32Speaker 03

  A girl.

• 10:33Caleb Hammer?

  Shut the fuck up, barely. You have a, you have a super villain laugh.

• 10:39Speaker 03

  Is that a good thing or a bad thing?

• 10:41Caleb Hammer?

  It's not a very attractive quality, I'll be honest.

• 10:44Speaker 03

  Not to you at least.

• 10:45Caleb Hammer?

  Or not to the customers that you're serving on the phone. Another reason to get fired.

• 10:49Speaker 03

  I don't know about that. I think they like me pretty well.

• 10:51Caleb Hammer?

  They're on the phone with you. You have no fucking idea. They just want to get off as quick as possible.

• 10:55Speaker 03

  I don't want to be on the phone with them either, but I still am.

• 10:58Caleb Hammer?

  Hear that, head of the bank?

• 11:02Caleb Hammer?

  Okay, so you're moving back in. No goal or objective for moving back in. No reason to actually save money or, but how'd you get into forty-five thousand dollars of debt in four years?

• 11:15Speaker 03

  Um, making some purchases, you know?

• 11:19Caleb Hammer?

  Sure.

• 11:20Speaker 03

  I wanted La Boo Boo's. I wanted an iPad. I want furniture for my apartment.

• 11:26Caleb Hammer?

  Did you call me? What is a boo boo?

• 11:27Speaker 03

  A La Boo Boo.

• 11:28Caleb Hammer?

  La Boo Boo?

• 11:29Speaker 03

  La Boo Boo.

• 11:32Caleb Hammer?

  The Boo Boo?

• 11:33Speaker 03

  La Boo Boo.

• 11:34Caleb Hammer?

  No, La Boo Boo, but that means the Boo Boo. What does Boo Boo mean, right? What is a La Boo Boo?

• 11:41Speaker 03

  It's a-

• 11:42Caleb Hammer?

  You don't even know what a La Boo Boo is and you're buying a La Boo Boo?

• 11:45Speaker 03

  It's a keychain from Popmart.

• 11:47Caleb Hammer?

  I know what a keychain is. I don't know what Popmart- The fuck are you doing?

• 11:51Speaker 03

  Showing you. Look at my son. Look at my son.

• 11:56Caleb Hammer?

  What the fuck is this? Oh, you are an obnoxious creature.

• 12:01Speaker 03

  Isn't he so adorable? Look at him. He sits on my purse. He comes to work with me. Um, he works, he works to pay himself off.

• 12:09Caleb Hammer?

  Your coworkers must hate you.

• 12:11Speaker 03

  Nah.

• 12:12Caleb Hammer?

  You hate, yeah, I mean, you're basically getting paid Houston minimum wage for being honest.

• 12:16Speaker 03

  People come to me and they ask me to get them La Boo Boo's.

• 12:18Caleb Hammer?

  Nobody respects you. Nobody respects you. You're not respected. Get the, get that the fuck off that desk. I'm not, this is not a sponsor. Get it off!

• 12:29Speaker 03

  I think you like him.

• 12:30Caleb Hammer?

  I don't. I don't. I don't understand the point. I don't care about it. You applied for a job here?

• 12:38Speaker 03

  Yeah, gotta take advantage of every opportunity available.

• 12:42Caleb Hammer?

  It is not an opportunity that you'll even come close to sniffing. What job did you even apply for?

• 12:48Speaker 03

  I don't know, honestly. I don't remember. It was a while ago. It was a while ago. I don't remember. How am I supposed to?

• 12:54Caleb Hammer?

  Why are you doing this?

• 12:55Speaker 03

  I've applied for a lot of jobs.

• 12:57Caleb Hammer?

  Are you?

• 12:58Speaker 03

  I'm a girl, not a creature.

• 13:04Speaker 04

  Are you sure?

• 13:05Speaker 05

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• 13:34Caleb Hammer?

  These people actually exist. This is like TikTok spawned in front of me. Why? Why? Why do we allow this as a society? Why are we not putting you in some kind of institution? What is happening? I'm so confused. I don't even understand. You did not get into 45,000 hours of La Boo Boo debt. That is, I refuse to believe that. How much did that cost?

• 13:57Speaker 03

  Well, it wasn't all La Boo Boo debt. I mean, like,

• 13:59Caleb Hammer?

  Yes, and that's what I'm trying to figure out.

• 14:01Speaker 03

  A tiny portion of it, you know, but I bought like other stuff.

• 14:04Caleb Hammer?

  How much did that thing cost?

• 14:06Speaker 03

  It wasn't that much. It was, it was only $30.99.

• 14:10Caleb Hammer?

  That was $31?

• 14:13Speaker 03

  Hell, yeah. You know, that's actually relatively cheaper compared to like, resellers sell them for like $60, $70. So you know what? I saved, I saved money.

• 14:21Caleb Hammer?

  It's a fad to try to get it.

• 14:22Speaker 03

  I saved money there.

• 14:24Caleb Hammer?

  What is it? It's the new Yeti? Not Yeti. What was the things that white girls had?

• 14:28Speaker 03

  The Stanley.

• 14:29Caleb Hammer?

  It's a new Stanley?

• 14:32Caleb Hammer?

  Okay, no answer. Gotcha. So you bought 1,452.08 La Boo Boo's?

• 14:39Speaker 03

  No.

• 14:41Caleb Hammer?

  I'm so confused. What the f- Got you into 45,000 hours of debt. That was my question.

• 14:47Speaker 03

  Okay, well, one of them would be my car.

• 14:50Caleb Hammer?

  Okay, a car is an answer. Thank you. What do you have?

• 14:55Speaker 03

  I have a 2025 Honda HRV.

• 14:57Caleb Hammer?

  2025? Forty thousand hours and you're getting a brand new fucking car?

• 15:02Speaker 03

  Hell yeah.

• 15:03Caleb Hammer?

  Hell yeah.

• 15:03Speaker 03

  I was, I was getting myself out of a really bad situation. So I had, I had a 2013 Volkswagen Beetle.

• 15:11Caleb Hammer?

  What is your intent here? I want to know your intent here. So I'm not gonna waste my time with you turtle looking motherf- I am not like, what are we doing? What is your intent?

• 15:23Speaker 03

  That car was a good purchase. It saved me. It saved me, honestly.

• 15:27Caleb Hammer?

  Answer my question.

• 15:28Speaker 03

  I was in a bad spot.

• 15:29Caleb Hammer?

  Answer my question. What is your intent here?

• 15:33Speaker 03

  Um, better budgeting, I guess?

• 15:35Caleb Hammer?

  Better budgeting. What have you done to try budgeting?

• 15:38Speaker 03

  I got a new car. The interest rate saved me, okay? My Beetle interest rate was 24.9%. And this car only has a 4.9% interest rate. So you know what? I think I did a good job.

• 15:52Caleb Hammer?

  What's your minimum monthly payment on the car?

• 15:54Speaker 03

  $599.

• 15:56Caleb Hammer?

  And what hits your account on a monthly basis?

• 16:00Speaker 03

  My what?

• 16:03Caleb Hammer?

  What hits your account on a monthly basis?

• 16:06Speaker 03

  My paycheck?

• 16:07Caleb Hammer?

  Yes! Yes!

• 16:10Speaker 03

  I get two paychecks. So it's not monthly, it's bi-weekly.

• 16:13Caleb Hammer?

  But what hits over-

• 16:16Caleb Hammer?

  What's your bi-weekly check? That hits your account?

• 16:19Speaker 03

  Um...

• 16:20Caleb Hammer?

  Oh, you're a mo-

• 16:22Speaker 03

  Maybe, we'll see.

• 16:23Caleb Hammer?

  This is why you will never go beyond customer service. And that's not talking about a customer service, you'll just never go beyond it. What hits bi-weekly?

• 16:30Speaker 03

  12 to 13 hundred dollars.

• 16:32Caleb Hammer?

  I'll say 1250.

• 16:36Caleb Hammer?

  So obviously there are a couple, three paycheck months. He has a bi-weekly, right? We're not talking bi-monthly. Okay. Right?

• 16:43Speaker 03

  Bi-weekly.

• 16:45Caleb Hammer?

  So 2,500 comes in. You said your car payment was 5.99?

• 16:48Speaker 03

  Yes.

• 16:49Caleb Hammer?

  That's fucking crazy.

• 16:51Speaker 03

  It's not that bad.

• 16:52Caleb Hammer?

  Shut the fuck up.

• 16:52Speaker 03

  My Beetle was 420. So you know what? It's really not that bad. It's only a little bit more than the Beetle.

• 16:57Caleb Hammer?

  How long is your term?

• 16:58Speaker 03

  Seventy-two months.

• 17:00Caleb Hammer?

  That's why. That's why you absolute.

• 17:03Speaker 03

  Twenty-two. You know what? The car will be paid off by the time I'm thirty. So I'm chilling.

• 17:08Caleb Hammer?

  Thirty? Oh, a car payment, twenty-two to thirty? Twenty-two to thirty? Could you imagine if any of the cars I had, I just turned thirty, well, a few months ago, that I've had since twenty-two, when I was young, dumb, slinging cum, like, dude, I don't even know, man. I was just fucking up in every way whatsoever, all the way through, honestly, mid twenties. Like, you know how much of a moron I was then, getting into debt, fucking things up? Like, oh my goodness.

• 17:37Speaker 03

  Well, why do you think I'm here? Because I want to get myself out of it.

• 17:39Caleb Hammer?

  I agree, but I couldn't imagine paying debt since then, since twenty-two. That's insane. That's insane. That's longer than I've lived in Austin, that's longer than I've had an adult job, that's longer than I've had a YouTube channel, that's longer than I've done like anything. That's crazy. Eight fucking years? Also, just the payment for eight years, by the way, because you're never going to move up. No one's ever going to give you a raise. Good fucking luck. It's twenty-four percent of your income for your car payment for the next eight years. And I'll gift you,

• 18:12Caleb Hammer?

  like, I don't know, customer service certification from Course Careers. I'll at least give that to you, see if you can boost your income, but who's going to deal with you?

• 18:20Caleb Hammer?

  And what's the interest rate on that car again?

• 18:22Speaker 03

  4.9.

• 18:23Caleb Hammer?

  Okay.

• 18:24Speaker 03

  It's not that bad. Compared to my twenty-four percent interest rate, I think I did a pretty good job.

• 18:30Caleb Hammer?

  Yes, the interest rate is an improvement. The Beetle would have been paid off quicker. You would have had an owned-out car. You would have had a, you would have had an owned-out car, lady.

• 18:39Speaker 03

  Well, I still, so it was a 2013 Volkswagen Beetle. I purchased it.

• 18:44Caleb Hammer?

  I don't need to hear about this Beetle again. I don't give a, I don't care. You would have had that paid off at some point.

• 18:50Speaker 03

  I was upside down on it. I wanted to get rid of it because I was so upside down. The car was only worth 3,000.

• 18:56Caleb Hammer?

  You have to be upside down on your current car. There's no way. When did you get this current car?

• 18:59Speaker 03

  February.

• 19:00Caleb Hammer?

  Okay. I bet you're already upside down. I bet you're already upside down. And they have a note. And this, this is what is crazy to me. Like, audience, you will never understand that. Yes, I know, we find creatures because it's fun. You know, Caleb Springer, whatever, but it's a financial and entertaining, all that good stuff. But here's the thing. This is legitimately genuine. She had a whole conversation with our producers bragging about how she is actually doing very well and is knowledgeable in the world of finances. She was out there actually fucking doing that. This is what we are dealing with here. This is your coworker. This is your neighbor. This is your cousin. Who the are you?

• 19:44Caleb Hammer?

  How do you possibly think you're actually doing well? Can you explain to me? Please, tell me. I would love to know because that they just sent me that note, right? I wasn't involved in that conversation. Please bring me back to that conversation. How are you doing well? How are you knowledgeable in finances, La Boo Boo?

• 20:00Speaker 03

  I pay my bills. I don't have any late payments.

• 20:03Caleb Hammer?

  You've moved in with your parents because you can't afford to live off.

• 20:06Speaker 03

  I do have bills.

• 20:07Caleb Hammer?

  Continue.

• 20:08Speaker 03

  I have a car note. I have car insurance. I have a phone bill. I have credit card.

• 20:13Caleb Hammer?

  Continue.

• 20:15Caleb Hammer?

  Were you laughing?

• 20:16Speaker 03

  I can pay my stuff as long as I can pay my stuff.

• 20:18Caleb Hammer?

  Why do you break up into giggles?

• 20:20Speaker 03

  What's wrong with laughing?

• 20:21Caleb Hammer?

  I just don't understand why.

• 20:22Speaker 03

  Maybe you need to laugh. Maybe that's your issue.

• 20:25Caleb Hammer?

  I laugh when things are funny, when people are funny. I don't, you're, you're laughing about the, she's, she's listing the bills she pays. She gets the credit card and she starts laughing. I don't understand how you operate in this world. I don't understand how people put up with you. You're obnoxious. Please tell me, how else are you just incredible?

• 20:42Speaker 03

  I go to work every day.

• 20:44Caleb Hammer?

  Okay, basic minimum requirement, sure.

• 20:47Speaker 03

  I do a pretty good job at work, I would like to think.

• 20:50Caleb Hammer?

  Okay, you're not getting promoted and you're making forty thousand dollars a year in two years and in not so cheap city. The market clearly disagrees with that statement. Continue.

• 21:01Speaker 03

  I mean, I'm trying to get another job, but I haven't been successful so far. I've gotten a few interviews and like second interviews.

• 21:11Caleb Hammer?

  So they saw your application, maybe your application is okay, and then they interacted with you. What does that tell you about you?

• 21:18Speaker 03

  That they are interested in me. That they do kind of want me.

• 21:22Caleb Hammer?

  They haven't called back. No, once they got to know you, they moved on.

• 21:29Speaker 03

  That's their loss.

• 21:35Caleb Hammer?

  I mean, I also have a note here. Again, you're saying you're doing really well. They know your finances in and out. We have your before moving in. When did you move in?

• 21:45Speaker 03

  Um, earlier this year.

• 21:48Caleb Hammer?

  So while you were moved in, while you already live with them, you were borrowing pay advances from your next paycheck.

• 21:57Caleb Hammer?

  And you think you're doing well. What the kind of delusion do you live? I don't understand. You live in the most delusional.

• 22:07Caleb Hammer?

  You know, nothing.

• 22:09Speaker 03

  Why would they make it accessible if I can't use it?

• 22:11Caleb Hammer?

  All right, let's be honest. I wasn't sure what to think of this thing when I first saw it. Wearable AI note taker? Sounded like something out of a sci fi movie. It's impossible. But then I tried the plot note pin and yeah, this thing's actually kind of a game changer. Whether I'm in a meeting, brainstorming content, or just walking around thinking through video ideas, it captures everything. I just hit record, talk, and later you get a full AI summary on the app. On top of that, you can even chat with AI for more creative ideas or work solutions. It's crazy. You can wear it on a wristband, clip it, pin it, or as a necklace. I keep it right here so I don't forget it. It supports 112 languages, two

• 22:55Caleb Hammer?

  English, has 20 hours of recording time, 40 day standby, and stores every Anything in the cloud with unlimited space. So you're not stuck deleting files every week like it's 2009. Did you get that memo? And right now they're throwing in the $29.99 magnetic pin and clip for free. Plus free cloud storage and their advanced AI starter plan valued at 60 bucks. All included when you grab the note pin. So if you're the type of person with a thousand ideas or running lots of calls and meetings and no system to capture them, this fixes that. Go to my link to check it out. Scan this QR code or click the link below in the description. With code Caleb, you get $10 off immediately.

• 23:37Caleb Hammer?

  I use it, it works and it doesn't yell at me when I forget something. That is worth it right there. That doesn't make sense. I just, I didn't say you can't use it. And technically there are some things where you could use it as, uh, you can be kinda, there's, it's not always wrong, just like your credit card is not always wrong. It's just abused and used incorrectly by most people. I'm not saying, what, what are you talking about? I'm saying if you're having to borrow, well, most of your bills are paid for. I eat the roof over your head, usually your most expensive bill. And you're having to borrow from your next paycheck? How can you possibly say that you're doing well? That just doesn't make sense. You are, you are so lost. You are so lost and I hope we actually get something out of this fucking episode for you.

• 24:22Caleb Hammer?

  But you are so lost. So you're actively applying for new jobs and you applied for a job here. You don't even know what job you applied for here. How many jobs are you applying to? Do they even know they're applying to jobs? Do they know you're on the show? Your coworkers?

• 24:37Speaker 03

  No, no.

• 24:39Caleb Hammer?

  Really?

• 24:40Speaker 03

  They didn't know.

• 24:41Caleb Hammer?

  Really? Most people tell their job.

• 24:43Speaker 03

  Yeah.

• 24:43Caleb Hammer?

  Most people ask permission from their job.

• 24:45Speaker 03

  My job to know what I was doing because.

• 24:47Caleb Hammer?

  They will. This is literally one of the most popular shows on the entire existence of where we are right now.

• 24:55Speaker 03

  I don't think many people have heard about you.

• 24:57Caleb Hammer?

  Okay. I mean, that's statistically untrue, but I don't care. It's not an ego stroke. I'm just saying they will likely come across this in either shorts or clips or the episode itself on Spotify or YouTube.

• 25:13Speaker 03

  That's fine.

• 25:14Caleb Hammer?

  You're admitting to openly applying for other jobs. Why would they support you?

• 25:17Speaker 03

  They know I'm actively applying.

• 25:19Caleb Hammer?

  They know this.

• 25:20Speaker 03

  Yeah, I've told them when I need to go to interviews in the past.

• 25:24Caleb Hammer?

  What the and what do they think? They obviously aren't gonna support you to stay there longer. Why would they? You're trying to leave.

• 25:31Speaker 03

  Well, they need me.

• 25:32Caleb Hammer?

  I don't think so. You're replaceable. You're as replaceable as it gets. No offense.

• 25:37Speaker 03

  Numbers wise, I guess I could be replaceable, but knowledge wise, they can't replace my knowledge.

• 25:44Caleb Hammer?

  I

• 25:44Speaker 03

  I think I'm the most knowledgeable person in my my department.

• 25:48Caleb Hammer?

  No, you are not the old wise turtle. You are the just born turtle. You are not the one that have been around for a while.

• 25:56Speaker 03

  You know, most people have left, but I'm still stuck there the past two years.

• 26:01Caleb Hammer?

  No one will hire you. I wouldn't even consider you for an interview. You don't even know what job you paid for here. I wouldn't even what I don't. You're a mess. How much were you paying in rent before you decided it was too much money and you had to move in?

• 26:16Speaker 03

  Nine fifty.

• 26:17Caleb Hammer?

  You couldn't afford nine fifty? Listen again.

• 26:18Speaker 03

  I could afford nine fifty. I just wanted to have more money available.

• 26:23Caleb Hammer?

  For what specifically? I mean, that is forty percent of your income. That is stretching it pretty heavily, but go on for what? Why do you want more income available? Specifically.

• 26:31Speaker 03

  To make my purchases, my big girl purchases.

• 26:34Caleb Hammer?

  So it's not to pay off debt?

• 26:35Speaker 03

  Well, pay off debt, yes.

• 26:37Caleb Hammer?

  Okay, so you have to choose. Are we making purchases?

• 26:40Speaker 03

  Well.

• 26:41Caleb Hammer?

  Boo boos? Or are we paying off debt?

• 26:44Speaker 03

  If the La Boo Boo drops and it's one that I don't have, I'm a buy it.

• 26:50Caleb Hammer?

  You're gonna move on from fling to fling to fling, because this must be an internet fling, right?

• 26:54Speaker 03

  La Boo Boos?

• 26:55Caleb Hammer?

  Yes.

• 26:56Speaker 03

  Well, I'll be stalking them like an internet fling.

• 26:59Caleb Hammer?

  What? So you're gonna move from fling to fling to fling, though? Do you even know half the things you say?

• 27:08Caleb Hammer?

  Guys, she's, oh, she's lost. I mean, they're telling me you're interested in leaving Houston for one of the other four major cities, three major cities in Texas, Dallas, Austin, San Antonio.

• 27:21Speaker 03

  Yeah.

• 27:22Caleb Hammer?

  How? How could you possibly afford it? You can't, you can't, you, there's no way you could afford it.

• 27:26Speaker 03

  Well, I can't afford it now, but if I get a different job that pays me more, then yeah, I can afford it.

• 27:30Caleb Hammer?

  Hire you because you're you.

• 27:32Speaker 03

  You don't know that.

• 27:33Caleb Hammer?

  I do know that.

• 27:34Speaker 03

  No, you don't.

• 27:34Caleb Hammer?

  I hire people.

• 27:35Speaker 03

  How would you know that?

• 27:36Caleb Hammer?

  I hire people.

• 27:37Speaker 03

  Just because you hire people doesn't mean someone won't like me and hire me.

• 27:40Caleb Hammer?

  No one would.

• 27:44Speaker 03

  I bet you they will.

• 27:47Caleb Hammer?

  And how's that going so far?

• 27:49Speaker 03

  It's going.

• 27:50Caleb Hammer?

  It's not.

• 27:50Speaker 03

  It's going.

• 27:53Caleb Hammer?

  Okay, listen, where do you think your finances are on a score of zero to 10, zero being the worst, 10 being the best? Where do you think you stand?

• 27:59Speaker 03

  I'll say five.

• 28:05Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.

• 28:35Speaker 03

  I'm not doing terribly. I'm not doing so great, but you know, I'd say I'm in the middle.

• 28:45Speaker 03

  I'm not poor, I'm just broke.

• 28:51Caleb Hammer?

  Oh, she's broken, man. She's

• 28:56Caleb Hammer?

  Broken man. Listen, if you want to see where you stand in the world of finances, take the assessment at Calebhammer.com. Come on this show by going to Calebhammer.com/apply. We'd be happy to have you on. Links in the description below. Make sure you download the Dollar Wise Budgeting app. Take the free trial now. Sign up for the annual version, which saves a lot of money and I will send you our cookbook, our budget-friendly cookbook, and I will sign it and mail it directly to you. It can't be purchased anywhere, so it's the only way to get it. Make sure you sign up for Dollar Wise Central if you want to take any of our educational programs. It's one much more price instead of paying for them individually. And it literally has changed tens of thousands of people's lives and it can change yours as well. Alright, let's get into these finances. I don't even know what the [__] to do with you. You're just a creature. You're just a creature. An absolute [__] creature. What am I looking at? What is this?

• 29:42Speaker 03

  Um, my Affirm purchase.

• 29:44Caleb Hammer?

  Great. Affirm. I'm sure that's very

• 29:48Caleb Hammer?

  healthy for a person like you. Okay, Affirm. And what do we have? We have a total balance of 225.69. I'm sure that goes up substantially here and there. What are we doing with Affirm? What is Affirm?

• 30:05Speaker 03

  Um, I use it to make big purchases, split them into smaller payments over a course of a period of months.

• 30:14Caleb Hammer?

  Yeah, but I'm asking how you use it. How do you assess it in like a daily world? Like, how often are you using it? What are you using it for in general? Not just a big purchase. Tell me your mindset around Affirm.

• 30:24Speaker 03

  Um, I think if I want to buy a La Boo Boo set and I don't want to waste my whole entire available balance, I'm gonna affirm it.

• 30:35Caleb Hammer?

  So you make your minimum monthly payments even higher and higher and higher until you can't afford to live ever. Then you have to move back in with family and you'll never be able to move out and you're gonna be a woman child through the rest of your life. A little girl, living with mommy and daddy until they're dead.

• 30:52Caleb Hammer?

  Okay, great.

• 30:55Caleb Hammer?

  What are you purchasing on here? T-Mobile? Our T-Mobile payment? Your fucking phone bill you're splitting it in four? That was the only time. That is the only time I've done that. You just bragged about how you're paying your bills. That's a bill. Okay, yeah, and I paid that fucking bill with fucking Zip. Huh? With what? With Zip. Zip? It's called Zip. Is this not a firm? No, that's not a firm. That's Zip. Pull it out your firm for me. That's a firm. Oh, it's like, pull out your firm for me. There's two different ones. Pull out your affirm! Pull it out! Pull it out! It's not that bad. Just shut the fuck up and pull it out, lady. Oh, she kills at everything. Oh, she's just happy to be alive while the rest of us suffer.

• 31:40Caleb Hammer?

  I'm just a happy girl, can I say? Shut the fuck up.

• 31:46Caleb Hammer?

  It's not that bad. Shut up! There's only three on there. What? No, affirm. I said affirm. Oh, affirm. Oh my gosh, she's actually a moron. Are you sure you said affirm? Oh, she's so stupid. I don't think you said affirm. She's so stupid. I've never even heard of Zip, so I don't know what Zip is. I said affirm. You 100% said Zip.

• 32:07Caleb Hammer?

  Pull out your affirm for me. There's two different ones. Pull out your affirm! Pull it out! Pull it out! Popmart? I wanted a little boo boo. Popmart, it's two boo-boos, and you're getting them for 95.74. I bought multiple boo-boos. That's so stupid. They're six. They're so cute though! Shut up, I hate you. I'm sorry. No, I don't. Yes, I do. I kinda do. I'm so confused. I, I, I don't wanna be mean, but my gosh. Oh, you're just killing me. I'm not just trying to bully you, but you're just, you're just ruining my existence. It's nice and early here in Austin, Texas, and you're ruining my existence right now. I'm so confused. What are your, what are your payment? I think you'd be more happy if you had a boo-boo. I, I think you need to die.

• 32:52Caleb Hammer?

  I mean, then I wouldn't have bills to pay at least. I don't wanna listen to your voice anymore. Listen.

• 32:59Caleb Hammer?

  Your minimum two payments on this is $57.60 until it's paid off.

• 33:03Speaker 03

  That's not that bad.

• 33:05Caleb Hammer?

  It's stacking, though. It's stacking. It's the stack.

• 33:09Speaker 03

  It could be worse.

• 33:12Speaker 03

  And you know what? All that on multiple payments. It's not just like...

• 33:16Caleb Hammer?

  Guys, they're at 36% interest.

• 33:20Speaker 04

  The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit Post Shows. Exclusive and uncensored Financial Audit episodes. Our call-in show, Hammer It Out.

• 33:42Caleb Hammer?

  Well then, take the train, you!

• 33:44Speaker 04

  And brand new shows, Fat and Fatter.

• 33:47Caleb Hammer?

  That is... That one is... I would go off-brand.

• 33:52Speaker 04

  Behind the Audit.

• 33:54Speaker 06

  What? This was wild!

• 33:56Speaker 04

  Hammer versus internet.

• 34:01Speaker 04

  And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you.

• 34:24Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is.

• 34:32Speaker 04

  Join Hammer Elite, the best membership on YouTube today, for free.

• 34:38Caleb Hammer?

  It's worse than a credit card. You would be better off putting these on a credit card at that point.

• 34:45Speaker 03

  I would, if I had an available balance on my credit cards.

• 34:52Caleb Hammer?

  That's funny. That's funny. That's cute. That's nice.

• 35:01Caleb Hammer?

  Oh, good. You've affirmed DoorDash Chick-fil-A.

• 35:06Caleb Hammer?

  We knew it would [bleep] happen in this show. Oh, I knew it would. Oh, it only took, what, a month? What, a month since that was announced? What the [bleep]? Here we go. Here it [bleep] is. Are you kidding me?

• 35:19Speaker 03

  It was like forty [bleep] dollars. Why the [bleep] would I pay forty dollars in one payment? I could split it into four.

• 35:27Caleb Hammer?

  Why would you pay forty dollars when you make no money?

• 35:29Speaker 03

  I do. I do make money.

• 35:31Caleb Hammer?

  You live with parents. That's why it's able to stretch a little further. But if living with parents leads to paying for a full or how about better yet, pay off your forty-five thousand dollars of debt so you can move on with your life, so you can move to another city. Good [bleep] luck. Like, you're [bleep]. They can't affirm DoorDash and Chick-fil-A. You cannot affirm it. Why? Why? I knew this would [bleep] happen. And of course, you're gonna be paying interest on it. Oh, we're not affirming DoorDash, guys. Come on. We can't be doing this as a society. Oh, what a joke. What a joke. What? I don't [bleep] know, man.

• 36:12Caleb Hammer?

  What are you? Oh, pull up your zip. Pull up your zip. Now I said it. Now I said it.

• 36:17Speaker 03

  You said it right this time.

• 36:18Caleb Hammer?

  Pull the fuck up!

• 36:19Speaker 03

  I'm doing it. You need a little boo-boo in your life.

• 36:22Caleb Hammer?

  Oh, I need you to just [bleep].

• 36:26Speaker 03

  Have you heard the La Boo Boo song?

• 36:28Caleb Hammer?

  I've never heard of La Boo Boo. So you think I heard the song?

• 36:31Speaker 03

  Yeah, you should. You should have heard it.

• 36:33Caleb Hammer?

  No?

• 36:33Speaker 03

  Yeah, yeah, it's La Boo Boo.

• 36:35Caleb Hammer?

  Shut the [bleep] up. We're not getting copyright. Shut the [bleep] up. She's a creature. It's not even noon yet. She has thirty-five percent battery left on her phone. This is the kind of person we're dealing with here.

• 36:43Speaker 03

  I didn't have a charger.

• 36:44Caleb Hammer?

  You came to Austin without a charger last night?

• 36:46Speaker 03

  I'm raw-dogging it without a charger. You know what?

• 36:48Caleb Hammer?

  You're raw-dogging life with no brain.

• 36:50Speaker 03

  It survived since yesterday. So you know what? I think I'm [bleep].

• 36:53Caleb Hammer?

  Oh, she's a Discord [bleep] mod as well. Of course she is. Discord notification just popped up. Didn't follow the do not disturb request that we gave her before the show. Great.

• 37:05Caleb Hammer?

  TJ Maxx, Uptown Cheese, uh, Cheap Skate, Academy Sports, DoorDash and Chick-fil-A. There it is. There it is. [bleep] it is. TJ Maxx, T-Mobile, Fortnite!

• 37:23Caleb Hammer?

  She's paying it for Fortnite. She's paying it for Fortnite.

• 37:27Speaker 03

  I wanted the V bucks. I wanted to buy the Sabrina Carpenter.

• 37:35Speaker 03

  I had to have it. And now when I play Fortnite, I use the Sabrina Carpenter skin. And she sings and she dances and everything.

• 37:44Caleb Hammer?

  Hold on, what does the Sabrina Carpenter skin show?

• 37:48Speaker 03

  What do you mean? She's got her cute little outfit on.

• 37:52Caleb Hammer?

  I might go into debt for Sabrina Carpenter. I get it. It's the first one I'll, I'll, I'll accept.

• 37:58Speaker 03

  I mean, it's Sabrina Carpenter.

• 38:01Caleb Hammer?

  Things I do, the things I do, ladies and gentlemen. And the girlfriend, she already knows. We agreed that we would just share Sabrina.

• 38:09Caleb Hammer?

  That's pro. I would never want to be on a boat with you.

• 38:12Speaker 03

  I got a fishing rod and I got a fishing license.

• 38:15Caleb Hammer?

  That canoe would sink in five minutes. Target, Altered State, that's your entire existence. Urban Outfitters. Guess you are in Houston.

• 38:25Speaker 03

  I like clothing, what can I say?

• 38:33Caleb Hammer?

  Amazon, Game Guys, Mad Rat Toys, TikTok Shop, she's paying it for TikTok Shop. And she thinks it's cute. I hate her. I hate her. Lindsay, I hate her. Lindsay, I hate her. Brandon, Jake, Colton, I hate her. Guys, I hate her. Pokemon, what is Game Guys? Cause you were, you were getting Game Guys in every four things. Every four, you're paying in for Game Guys every second of your life.

• 39:01Speaker 03

  Well, I buy a lot of Pokemon cards.

• 39:03Caleb Hammer?

  What is Game Guys?

• 39:05Speaker 03

  It's like a game store. They sell Pokemon cards. They sell Funko Pops.

• 39:11Caleb Hammer?

  She's on every trend. Oh, Funko fucking Pops, you're on every trend.

• 39:13Speaker 03

  I can go there to play Pokemon tournaments.

• 39:16Caleb Hammer?

  You're on every trend. Pull up your TikTok shop. You, you absolute creature.

• 39:22Caleb Hammer?

  I, I, listen, I'll recommend the Fizz card to you guys. Not even her. I don't trust her with it. I don't trust her with it. Usually I get you set up with it, but I'm not gonna get you set up with it. I don't trust you.

• 39:33Speaker 03

  I have no wifi.

• 39:35Caleb Hammer?

  Why didn't you join it?

• 39:39Speaker 03

  What's the password?

• 39:40Caleb Hammer?

  Shut the f- up. Listen, chat, we f- can make them join the wifi, this dumb f- can creature.

• 39:47Speaker 03

  Oh, I am connected. And I don't think it just likes me, though.

• 39:51Caleb Hammer?

  Who does? Even technology refuses to communicate with you.

• 39:57Speaker 03

  It's not my fault you have bad wifi.

• 39:59Caleb Hammer?

  When's the last time you've had a boyfriend?

• 40:00Speaker 03

  A month ago?

• 40:04Speaker 03

  It's not working.

• 40:07Caleb Hammer?

  Give me your f- can phone.

• 40:11Caleb Hammer?

  You absolute animal. You absolute animal. She has 24 things in her TikTok shopping cart.

• 40:22Speaker 03

  I haven't bought them. I mean, they're in there, and I look at them every now and then, but it's not like I've actually gone and purchased them.

• 40:33Caleb Hammer?

  This is what's in the cart, and what are we even doing with these? You don't need all this. This is like, f- can top, top, slippers, coat. It's Texas, it's 100 degrees. She has a-

• 40:43Speaker 03

  They looked cute.

• 40:44Caleb Hammer?

  Shut the f- up.

• 40:45Speaker 03

  They were cute. I haven't bought-

• 40:47Caleb Hammer?

  On her backseat, a Peapod wristbag, little f- can fluffy thing to put on the f- can seat of a car.

• 40:55Speaker 03

  Hell, yeah, if you wanna make your car cute. I like having a cute car.

• 41:00Caleb Hammer?

  Women's shoes, lingerie, please don't. Holographic debit something, I don't even know.

• 41:07Speaker 03

  A card cover.

• 41:08Caleb Hammer?

  I guess she's getting back out there, ladies and gentlemen. Houston, watch out. Oh, stainless cup, oh, shoes, hat, but those are out of stock, I don't know. Uh, go to your purchases. Can I see your purchases? Orders. I don't even know how to use TikTok Shop.

• 41:27Caleb Hammer?

  Oh, it's a f- can Pokemon, Pokemon, Pokemon, Pokemon, Pokemon!

• 41:31Speaker 03

  I've bought a lot of Pokemon TikTok Shop.

• 41:33Caleb Hammer?

  More trading things, trading things. Oh, she's a f- can addict. She's an addict. Oh, she's an addict. She's an addict. I need to see something and confirm my suspicions. Show me a picture of your ex-boyfriend.

• 41:45Speaker 03

  Why?

• 41:47Caleb Hammer?

  I have suspicions.

• 41:48Speaker 03

  Suspicions of what?

• 41:53Caleb Hammer?

  Suspicions.

• 41:57Speaker 03

  Um.

• 41:59Caleb Hammer?

  I just want a picture.

• 42:00Speaker 03

  I'm going, I'm going, I'm going.

• 42:03Caleb Hammer?

  My suspicions were incorrect, ladies and gentlemen, never mind. No worries.

• 42:08Caleb Hammer?

  We move on. Listen, I don't know, you're paying in for everything in your life and let's see, your minimum payments and it's weird because it changes because things come and go and I'm assuming that it honestly stays pretty average. I assume when you have anything left you're able to spend on here, you send it out. So I'll just calculate what your minimum monthly payment is now and that's probably around where it typically is regardless. But you need to pay these off and never use them again. Your minimum monthly payment on here is 11268 and that pays off in one, two, about probably average three months. Wow, you're paying for addictions insane and it's crippling you and you're making your minimum monthly payments so unsustainable on top of everything else, you will never

• 42:52Caleb Hammer?

  be able to afford rent. Never. There's like, there's not a chance in this world and I want you to be able to move out. If you want to move out, I would love, yeah, get your life independent. Get back out there, you know? You're never going to be able to if you're paying in for for everything. The moment one is paid off, you immediately get something again. Then you're borrowing from your paycheck? Like, you're never going to be able to afford rent. Ever.

• 43:15Speaker 03

  One day.

• 43:17Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 43:51Caleb Hammer?

  I hate this world.

• 43:59Caleb Hammer?

  There it is. There it is. DoorDash check. Filet. Absolutely.

• 44:06Speaker 03

  I don't want to drive.

• 44:07Caleb Hammer?

  Shut the fuck up. I don't care about anything that you're saying. I don't care about your and your life is nothing. What is this?

• 44:14Speaker 03

  I mean, you can read that. It says, weather tech.

• 44:17Caleb Hammer?

  Is this all zip? For my car. Is this zip?

• 44:19Speaker 03

  That's a firm.

• 44:21Caleb Hammer?

  This is a different affirm?

• 44:22Speaker 03

  No, that's still.

• 44:24Caleb Hammer?

  Oh, I hate you. I hate you. Shut up. Shut up. What a miserable life. What a miserable existence.

• 44:35Caleb Hammer?

  Why do we owe $3,593.59 to Ikea? I know you eat a lot of meatballs.

• 44:41Speaker 03

  Furniture.

• 44:44Speaker 03

  Furniture is expensive.

• 44:47Caleb Hammer?

  What? Ikea's in general, in the more affordable furniture? What did you get?

• 44:53Speaker 03

  I got a couch.

• 44:54Caleb Hammer?

  You live with your mom!

• 44:55Speaker 03

  Not anymore. Well, I mean, like, I did. Like, I did. But I mean, like.

• 44:59Caleb Hammer?

  You did what?

• 45:00Speaker 03

  Like.

• 45:01Caleb Hammer?

  You don't live with them anymore?

• 45:02Speaker 03

  Like, I used to live by myself. I mean, I used to live by myself.

• 45:05Caleb Hammer?

  Where did you get this?

• 45:07Speaker 03

  Last year.

• 45:08Caleb Hammer?

  What did you purchase?

• 45:09Speaker 03

  I got a couch. I got a coffee table. I got a desk chair.

• 45:14Caleb Hammer?

  Oh, gosh, you got everything.

• 45:15Speaker 03

  Um, I got shelves. I got a mirror. I got a rug. I got floor liners.

• 45:22Caleb Hammer?

  Other than?

• 45:22Speaker 03

  I got bathroom-related stuff. I got everything that's on my window.

• 45:25Caleb Hammer?

  Other than the rug and all of the bathroom-related stuff, ladies and gentlemen, go on Facebook Marketplace, set it to the wealthy area. They just want to get rid of their furniture. You will get stuff on the cheap that is pretty good condition. You can thrift the shit out of this. What you've done is the most dumb shit you think. And where's all that furniture now?

• 45:42Speaker 03

  In my storage unit.

• 45:43Caleb Hammer?

  You were paying for a storage unit. Living at home, paying for a storage unit for the last five months. How much is your storage unit?

• 45:51Speaker 03

  $100 a month.

• 45:55Caleb Hammer?

  Just to keep our Ikea furniture that isn't even close to paid for.

• 45:58Speaker 03

  I mean, I've tried to sell it, but who's gonna pay like actual retail price?

• 46:02Caleb Hammer?

  No one. It's used furniture. You can't sell it at retail price. What are you? How are you not? You are not that moronic. There is no human possible way that you think you're able to sell it at brand new price. Just because you owe on it, doesn't it mean this? Just like your car, your car's below the value you paid for it, and you probably owe more than it's worth. Same thing with the furniture, except you shouldn't be doing that. It's ridiculous. How long does this take to pay off minimum monthly payments only if you don't purchase anything else from Ikea?

• 46:34Speaker 03

  I don't know.

• 46:36Caleb Hammer?

  Of course you don't. You don't know.

• 46:36Speaker 03

  Eventually, you know, eventually.

• 46:38Caleb Hammer?

  You don't know anything in this world. It takes nine years, you'll be 31.

• 46:42Speaker 03

  That's not that bad.

• 46:43Caleb Hammer?

  You see this ancient motherfucker right here? You'll be one year older than him.

• 46:46Speaker 03

  That's not that bad.

• 46:49Caleb Hammer?

  You know what's more terrifying than catching your toddler with scissors? Not having a plan if your family is caught off guard because something unexpected happens to you. And that is why I applied for term life insurance through Fabric by Gerber Life, because adulting doesn't stop at just setting up your Roth IRA. Look, we all think we're planning for the future because we've got a savings account or we skip Starbucks for a week to help save for a vacation. But, real talk, if you've got kids, helping protect their financial future means more than just budgeting. It means making sure you have a plan in place to protect the wealth you've been working so hard to build, so your family can continue to benefit even if you're not around anymore. And that's exactly what life

• 47:34Caleb Hammer?

  insurance does. And Fabric makes it so easy to apply for term life insurance online, on your time, and coverage could be offered in under 10 minutes. You could even skip the health exam. Fabric has flexible, high-quality policies that fit your family and your budget, like a million dollars in coverage for less than a dollar a day. And especially if you're young and healthy, the time to lock in low rates is now. Plus, Fabric has more than just life insurance, free digital wills, access The college savings tools and 1900 plus five star reviews on trust pilot. Plus fabric is partnered with Gerber life and named trusted by millions of families for over 50 years. So you know they're legit. There's no risk. There's a 30 day money back guarantee and you can cancel at any time.

• 48:19Caleb Hammer?

  Join the thousands of parents who trust fabric to help protect their family. Apply today in just minutes at meet fabric.com slash Caleb. That is M E E T fabric.com slash Caleb. If you're an agency owner or a marketing consultant, heck, even if you're a side hustler, high level might be your new best friend. Did we just become best friends? Yep. Picture this, you onboard a client who needs lead capture pages, automated email sequences, SMS reminders. And instead of duct taping five different apps, you deliver it all through high level with your branding. You'll look like a tech genius without writing a single line of code. Meanwhile, your client sees improved conversions, you see bigger paychecks, and you only pay one monthly subscription that covers everything that marches pure profit, baby.

• 49:03Caleb Hammer?

  And it's not just about the short term win. These clients stick around paying you monthly reoccurring income. And I know some of you dream of building a lifestyle business that actually prints money on autopilot. Well, I snagged a 30 day free trial so you can test out the platform with no risk. If you're ready to turn your agency into one smooth, all in one operation, jump onto high level today. You're hoping, why, why am I talking to you?

• 49:27Speaker 03

  I think it could be worse, you know, like at least I'm not going to be fully in debt until like when I'm like 60.

• 49:32Caleb Hammer?

  I'm gonna try to explain this without freaking out and crashing out on you because maybe this is your perspective in life. And that is why you are just so lost that it could be worse, doesn't work. It doesn't work. There's always worse and there's always better. Okay. Just because someone's making $2 million a year doesn't mean you making a hundred thousand dollars a year is bad. Just because there is someone getting drone striked in Iran right now, doesn't mean your life is not bad.

• 50:10Caleb Hammer?

  Sorry Ayatollah.

• 50:13Speaker 03

  But my life isn't bad. I have a car, I have a job, I buy my stuff.

• 50:19Caleb Hammer?

  And your ugly boyfriend broke up with you and you live at home with your parents. Your life is bad and you have forty five thousand hours of debt and you have nothing going for you and you have no chance of moving out. Your life is bad. Other life is worse, doesn't mean your life is good. Other lives are great, doesn't mean someone's life is bad.

• 50:38Speaker 03

  You know, I think I'm pretty happy.

• 50:40Caleb Hammer?

  You're delusional. You're blissfully ignorant. That's okay to be happy and, and listen, if that's that, let it be that. That's okay. I'm willing to help people and get people to where they want to be. If you're happy and you are satisfied, good, go on. I'm not gonna sit here and judge from a keyboard or whatever, online, scroll and find you and be like,

• 51:05Caleb Hammer?

  no, that's okay. Live your life. If that's the life you wanna live, don't come asking for handouts. Don't beg and be like, oh, the world's against me. No, you did this to yourself. But if that's the life you wanna live, go do it. I, I, I, I'm not requiring you to do better. I'm not requiring you to do better. I'm willing to help those who want to do better.

• 51:25Speaker 03

  Why would they give me credit cards if they don't want me to use them? They give me access to free money.

• 51:31Caleb Hammer?

  Why would they, why would they want you to use them? Can you answer that? I want you to just put your, put yourself in their shoes, you know, listen.

• 51:39Speaker 03

  Cause they want me to use it to spend money.

• 51:41Caleb Hammer?

  But why? Why would they want to?

• 51:43Speaker 03

  So they make money.

• 51:44Caleb Hammer?

  There you go. They're making money, which means you're losing money.

• 51:47Speaker 03

  But I'm still getting my purchases at the end of the day.

• 51:50Caleb Hammer?

  You are getting your purchases and if that's all that matters to you, then go on, do it. That's okay. If that's the life you wanna live, go up your life. That's okay. That is your choice.

• 52:00Speaker 03

  It's not that fucked up.

• 52:02Caleb Hammer?

  Do you not understand what I am trying to say, lady? Do you not understand what I am trying to say? You can live whatever life you wanna live. I will accept it. I'm willing to help those that want to be helped. Do you want to be helped? Do you want the budget? Do you want the chance for a better life?

• 52:22Speaker 03

  Yeah.

• 52:28Caleb Hammer?

  Your parents must be ashamed.

• 52:32Caleb Hammer?

  I understand why he ran.

• 52:36Caleb Hammer?

  Surprise your parents haven't. The fact that they enable this is disgusting. The fact that they enable this is disgusting. The way you live life is disgusting. I'm not gonna sugarcoat it. I don't care if I'm rude. You need to hear it. No one's ever told you. People have just supported this for far too long. It's disgusting.

• 52:57Caleb Hammer?

  The way you are living on this planet is disgusting.

• 53:05Speaker 03

  I think I'm a pretty clean person.

• 53:09Speaker 03

  I don't know. Is the disgusting in the room with us? Because it's not me.

• 53:24Caleb Hammer?

  You had to pay this within 12 months.

• 53:28Caleb Hammer?

  You did not pay this within 12 months.

• 53:30Speaker 03

  It'll get paid off eventually.

• 53:32Caleb Hammer?

  Okay. You're misunderstanding what I'm saying because you're unable to comprehend a single thing in this entire world.

• 53:39Caleb Hammer?

  You had to pay this off in 12 months, not to have any interest accrue. You didn't, and now interest is accruing at 21.99%.

• 53:55Speaker 03

  Could be worse.

• 53:57Caleb Hammer?

  She doesn't understand. She doesn't understand. She is so lost. She is so lost. She is so lost, man. I don't even know.

• 54:09Caleb Hammer?

  Okay, some of these, I think there's some that...

• 54:16Caleb Hammer?

  Okay, one expires next month. That's certainly not gonna be paid off. And one expired a month ago. And one expired like last week, two weeks ago. Shut the fuck up. I don't want to hear your voice. I don't want to hear your voice.

• 54:28Speaker 03

  It barely started.

• 54:28Caleb Hammer?

  Yes, and now it is accruing, but here's the thing. Guess what? You've had two late fees this year.

• 54:35Speaker 03

  It's not that bad.

• 54:39Caleb Hammer?

  I don't know what the to do with you. I don't know what the

• 54:43Speaker 03

  It's only two.

• 54:44Caleb Hammer?

  What do you think is considered a reasonable amount of late fees? Not paying these on time and while it's interest free, giving you the opportunity to pay these off in a year to not pay any interest. Making it actually makes sense because I'm okay with financing furniture. If you pay it off interest free, you can then invest the money. And if you're investing when the stock market was down a couple of months ago, you would have made a decent amount of money. That'd have been wonderful. That's how you can finesse. You're not finessing.

• 55:14Caleb Hammer?

  You're a disgusting creature financially.

• 55:18Speaker 03

  I'm just a girl.

• 55:19Caleb Hammer?

  Barely.

• 55:22Caleb Hammer?

  Two missed payments, late payments, missed payments, whatever the this year so far is insane. We're not halfway through the year yet. That is not, what do you think is considered reasonable?

• 55:35Speaker 03

  Reasonable?

• 55:36Caleb Hammer?

  Yes. Try to answer a question.

• 55:43Speaker 03

  It's under five at least.

• 55:44Caleb Hammer?

  So half, so half to miss half the months is fine.

• 55:50Speaker 03

  Well, I mean, I've made every payment that I needed to.

• 55:53Caleb Hammer?

  Yeah, but late and then you're getting charged fees, meaning you're having to pay more money.

• 55:57Speaker 03

  Okay, so maybe, maybe I accidentally miscalculated my budget.

• 56:02Caleb Hammer?

  Miscalculated.

• 56:02Speaker 03

  Maybe I forgot the date. Why would I, what if they like overdraft me? I don't want the overdraft.

• 56:07Caleb Hammer?

  Why would you be overdrafting? Why wouldn't you have enough money in your checking account? You live at home.

• 56:13Speaker 03

  Make purchases sometimes and sometimes maybe those purchases might be over my budget. And so why would I have auto pay on?

• 56:20Caleb Hammer?

  Purchasing things over your budget.

• 56:22Speaker 03

  Maybe I accidentally forgot to look at my bank account before I swiped my card.

• 56:26Caleb Hammer?

  No, no, no, no. If it's not in the budget, why would you be purchasing?

• 56:30Speaker 03

  Because I want it.

• 56:31Caleb Hammer?

  But then why budget?

• 56:33Speaker 03

  Why not?

• 56:34Caleb Hammer?

  Because it's doing nothing because you just, you go spend on what you want regardless.

• 56:38Speaker 03

  It's doing something. I mean, it's doing something. I pay on my bills.

• 56:44Caleb Hammer?

  No, this is a bill. You were late twice this year, not halfway through the year yet.

• 56:53Speaker 03

  It's okay.

• 56:56Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 57:29Caleb Hammer?

  I don't understand you. Your perspective on life. You just have to essentially say, you have to make a choice. Do you, how much do you actually want to move out? How much do you actually want to be independent? Where is that on your scale of wants?

• 57:45Speaker 03

  Um, like on a scale of one to 10?

• 57:48Caleb Hammer?

  Sure. 10, you want to move out yesterday.

• 57:51Speaker 03

  Okay. I'll say maybe a seven and a half.

• 57:54Caleb Hammer?

  Okay, that's pretty high then. Why the? Aren't you managing this correctly? Cause you're making it go even further and further away. That is not a seven action. That is not a seven and a half action, not even close. Nine years to pay off. So nine years until you move out.

• 58:11Speaker 03

  I think I'll move out before then.

• 58:13Caleb Hammer?

  How?

• 58:14Speaker 03

  I'll find a way.

• 58:15Caleb Hammer?

  How are you finding a way? What are you doing? You're certainly not starting a life. So what, what ways would you be finding?

• 58:21Speaker 03

  Maybe I could do a side hustle, you know?

• 58:23Caleb Hammer?

  What side hustle would you be doing?

• 58:25Speaker 03

  Sell La Boo Boo's on the side. I could be a La Boo Boo reseller.

• 58:27Caleb Hammer?

  Are, are you? Well, how much have you made off of your booze? Booze, boo booze?

• 58:32Speaker 03

  It's a little.

• 58:33Caleb Hammer?

  How, how much have you made over how long? Profit, profit, profit.

• 58:37Speaker 03

  Okay.

• 58:38Caleb Hammer?

  I don't even know if you know how to calculate that, but profit.

• 58:40Speaker 03

  I can pull up my calculator.

• 58:42Caleb Hammer?

  I have a calculator, but you don't know how much you've made? Ish. It doesn't have to be exact.

• 58:48Speaker 03

  I haven't done that many, you know? Like I've only like resold them to like my coworkers. And so like, you know?

• 58:54Caleb Hammer?

  Coworkers.

• 58:54Speaker 03

  I don't want to, I don't want to overcharge them, you know, like, I don't want to be like those resellers that like, charge double the price to like, make a lot of profit, you know, because I feel bad, because like, everyone is selling them for so much more, and I don't.

• 59:07Caleb Hammer?

  But what's the point then? What's the point? If that is your entire intent behind the boo-boos, then do it. Be a scummy motherfucker. I don't support it. But if that's the point, then I don't understand what you're trying to do. That's going to be your side hustle that helps you get out and move and pay rent earlier?

• 59:23Speaker 03

  Well, I haven't fully figured it out yet.

• 59:25Caleb Hammer?

  What? The boo-boo scheme? I mean, the boo-boo scheme's going to come and go, just like the Stanleys did.

• 59:32Speaker 03

  I don't know.

• 59:32Caleb Hammer?

  There don't need to be a new scheme.

• 59:33Speaker 03

  I'm just 22, you know, I have a lot of time to figure everything out.

• 59:36Caleb Hammer?

  You do have a lot of time, but if your entire thing is seven and a half out of 10 wanting to move out tomorrow, that sounds like you don't want to wait a lot of time. So I don't understand the excuse of, I have a lot of time. You want to move out now. Your priorities are whack. You are preferring the boo-boos. You are preferring, I don't even, DoorDash and Chick-fil-A on Klarna. Pokemon cards every five seconds of your life.

• 1:00:04Speaker 03

  Pokemon cards are cool.

• 1:00:06Caleb Hammer?

  Or moving out. Choose one. If you want to stay home forever, you can. Again, I will support this. Well, I won't like, give it a woo-woo, but I'll let you be. If you want to live at home, purchasing Pokemon and boo-boos, you can.

• 1:00:21Speaker 03

  Have you ever opened a Pokemon pack before?

• 1:00:25Caleb Hammer?

  I'm sure I have.

• 1:00:25Speaker 03

  Have you ever just like, you know, bought like, an ETB and then you just tear open a bunch of packs? It's the adrenaline rush, you know, it's like gambling.

• 1:00:33Caleb Hammer?

  You're getting the dopamine, and it is like gambling, that's exactly correct.

• 1:00:36Speaker 03

  And it's fun, and then you can trade them, or you can resell them, you know, I've got a good amount of cards.

• 1:00:40Caleb Hammer?

  I'm not against that, I am saying, choose that or moving out. What's more important to you? Is it moving out? I hope it's moving out.

• 1:00:47Speaker 03

  Yeah, it's moving out.

• 1:00:48Caleb Hammer?

  Then we have to make some hard choices. We have to make some hard choices. That is what is called being an adult, and you're 22, you're four years into adulthood. I don't care about your infantilization.

• 1:00:57Speaker 03

  I'm just a four-year-old adult at this point, you know? I got a lot of, I got a lot to go on still, you know? It's only been four years. I think I've learned a lot and I still have a lot to learn. But you know.

• 1:01:11Caleb Hammer?

  And that's okay to learn things, but you have to make adult decisions. You're choosing Pokemon over moving out, even though you want to move out. It's because, you know why? It's because moving out is a long-term process. Moving out is something where you have to save up. You have to have savings. You should pay off some debts so your minimum payments aren't as intense. You have to put first month, maybe last month, this certainly is a security deposit down. You might have to move and find a new job. Those are things that take two, three, four, five, six months, year, maybe. That is a long horizon. Hard thing to look forward to, hard thing to stay down and grind for. Where a Pokemon purchase is like that. You are only able to do those insta-things. You cannot see beyond a day.

• 1:01:52Caleb Hammer?

  You can't see beyond a day. You wouldn't even bring your phone charger to Austin when you came here last night and stayed in a hotel. You can't see beyond what is right in front of you, which is why I think you will never move out again. Or you will and you'll get evicted and move right back into home. You'll move out unprepared. I think that's how your life is going to be. You have another one that expires in 2025. But that one's a lot smaller. All the rest of them of this IKEA card are substantially higher. Furniture you did not need when you could have got used furniture. No, probably not a rug. But though you kind of get it professionally cleaned, but at that point, you know, cost difference.

• 1:02:29Speaker 03

  I had no furniture. I wanted furniture. I didn't want to lay on the floor. So I went and I got furniture because I wanted my apartment to be a vibe.

• 1:02:38Caleb Hammer?

  Used furniture.

• 1:02:39Speaker 03

  It was a whole vibe, you know?

• 1:02:40Caleb Hammer?

  Furniture used.

• 1:02:40Speaker 03

  It all fit perfectly in my apartment.

• 1:02:42Caleb Hammer?

  No offense, IKEA is not a vibe.

• 1:02:43Speaker 03

  They have really cute stuff. I don't know what you mean about vibes.

• 1:02:45Caleb Hammer?

  IKEA is not great.

• 1:02:46Speaker 03

  They have really cute stuff.

• 1:02:48Caleb Hammer?

  You would get better stuff off of Facebook Marketplace from the rich areas. They just want to.

• 1:02:53Speaker 03

  Okay, but like, I don't got money like that, so that's why. IKEA credit card. Put it all on the credit card and then I don't have to pay it off right then and there. You know, I just swipe the card and boom, done.

• 1:03:03Caleb Hammer?

  I'm gonna kill you. When a wealthy person is moving or when a wealthy person is renovating or getting new furniture or whatever they're doing, they just want to get it out of there. They just want to get it out of there. They will take it for chief, dude. They will.

• 1:03:17Caleb Hammer?

  What do you think furniture flippers do? It's so easy.

• 1:03:21Speaker 03

  Resell, I don't know.

• 1:03:23Caleb Hammer?

  It wasn't an actual... Okay, what is Premier Bank card?

• 1:03:29Speaker 03

  A card.

• 1:03:29Caleb Hammer?

  Yes, what is going on with this?

• 1:03:31Speaker 03

  It's just a card. I just happened to use it.

• 1:03:37Caleb Hammer?

  Oh my gosh, I don't know how you've made it this far. Oh my gosh. Do you, what do your coworkers think of you? Do you even know? Oh, she's over the limit by $41. She's over the limit by $41.91!

• 1:03:51Speaker 03

  It's only $41, it'll be gone by next monthly payment.

• 1:03:59Caleb Hammer?

  I'm gonna break one of these again. You've had to replace these now.

• 1:04:06Caleb Hammer?

  I broke it. Damn it! Oh, the rage of this fucking show. The rage of this fucking show!

• 1:04:16Caleb Hammer?

  Okay. It's holding on barely.

• 1:04:22Caleb Hammer?

  Uh, for what it's worth, you at least made your minimum monthly payment, but then, wait. It must not have been on time, because you had fees. You had fees, you had interest up to... And you made a lot of purchases. What were the fees? What was the fee? Oh, it's just a monthly fee? This is a horrible card! Why would you have this card? Why would you just have... This card's horrible, you can have any other card. Well, probably not you, but...

• 1:04:42Speaker 03

  With my credit, I can't get another card?

• 1:04:45Caleb Hammer?

  Oh, then you need to close this card, man. You need to... Okay, simple fact is, you just need to close this card.

• 1:04:51Speaker 03

  Well, eventually it'll be closed, but you know, I don't...

• 1:04:53Caleb Hammer?

  No, no, no, close, you call, you close. You call, you close, what do you mean eventually it'll be closed?

• 1:04:57Speaker 03

  Well, how can I close it if I don't have the money to pay for the whole card?

• 1:04:59Caleb Hammer?

  You don't have to, you can close a card. Well, it has a balance. Call them.

• 1:05:03Speaker 03

  That's a thing?

• 1:05:04Caleb Hammer?

  Yes!

• 1:05:04Speaker 03

  This is what?

• 1:05:05Caleb Hammer?

  Since cards.

• 1:05:07Speaker 03

  You can close cards if you have a balance on it?

• 1:05:08Caleb Hammer?

  Yes! Interest will still accrue, but you just can't purchase on it.

• 1:05:12Speaker 03

  This is news to me, honestly.

• 1:05:13Caleb Hammer?

  They'll fight back, some might not allow it, but with the majority, yes you can. Listen, with the fees and everything, amount over limit? Oh...

• 1:05:22Caleb Hammer?

  They're making you pay that into your minimum monthly. Your normal minimum monthly is fifty nine, but right now it's a hundred dollars because you owe above the fucking limit.

• 1:05:30Speaker 03

  But then I pay more off. So you know, it's fine. Like in a way like I do.

• 1:05:35Caleb Hammer?

  You know, in a way.

• 1:05:36Speaker 03

  The balance of the card goes down at the end of the day, doesn't it?

• 1:05:39Caleb Hammer?

  No, because you're over the limit. What the fuck are you talking about?

• 1:05:41Speaker 03

  Well, after I make the monthly payment, then yeah, the balance will go down.

• 1:05:44Caleb Hammer?

  But you don't, or else you wouldn't be above the minimum monthly, or else you wouldn't be above the limit. What are you talking about?

• 1:05:49Speaker 03

  Well, the only reason it's above the limit is because he's.

• 1:05:51Caleb Hammer?

  The case, and it's literally not the case as I look at this. So that's incorrect.

• 1:05:59Caleb Hammer?

  What do you say? I don't understand what you're saying. I don't understand half the things you're saying. It takes three years to pay off if you make your minimum payments only without purchasing things. They're telling me use it for just food and Pokemon cards. Uh, also parking and Amazon Prime and Prime and Sonic Drive-In, Cantina, McDonald's, Chick-fil-A. That was a premier credit protection. Foodie is Sonic Drive-In?

• 1:06:25Speaker 03

  I really like the Dr. Peppers from there.

• 1:06:28Caleb Hammer?

  I'm sure you do. You really look like that. A hundred twenty-one dollars and seventy-four cents is the fees. Hundred twenty-one dollars in interest this year. So instead of thirty-six percent interest rate, and you're above the limit. You, you're, you're, you're a lost cause. I'm sorry. I'm so sorry. Your, your worldview is so fucking yours so. All right, financial audit listeners. I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple of years, I finally made the switch to a better platform for investing. And I got a lot of signup bonuses, so you can get some money if you come with me. So I made the switch to Weebull because it is the first platform that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control.

• 1:07:12Caleb Hammer?

  I'm talking real deal charting tools, technical indicators and stock screeners that actually help you make smarter moves. So whether you're just starting out or just paper trading to learn the ropes, or you're like me and want extended hours, Weebull's built for that. And this is where this gets good. Because if you open a new account or you're transferring one over. Weeble's tossing out some wild bonuses for only my audience. If you put in a hundred bucks, you get thirty days of Weeble premium. Transfer in or deposit two thousand to ten thousand dollars and you'll get two hundred dollars in cash right now. And if you've got big monies like five million dollars, yeah, there's up to thirty thousand dollars in cash bonuses.

• 1:07:52Caleb Hammer?

  Oh, and I'll throw in an extra one thousand dollars and they'll throw in an extra year of Wall Street Journal. So if you've got an account just sitting somewhere collecting dust, move it to Weeble like I did. Do you want to start investing? Do it with Weeble like I do right now. Get in the hit here. There's a lot of money just sitting there and this is a much better platform than the one I was using before. So just go to weeble.com or click this QR code. Links are in the description below. Just get started, get money.

• 1:08:23Caleb Hammer?

  I just, I don't, I don't, man. You're a creature. What even is this card? What did I put as the name of this card? What is this?

• 1:08:31Speaker 03

  It says Ikea, can't you read?

• 1:08:32Caleb Hammer?

  This is another Ikea card?

• 1:08:34Speaker 03

  I have two.

• 1:08:38Caleb Hammer?

  This furniture, you went about furniture the most moronic way possible.

• 1:08:44Caleb Hammer?

  Okay, Ikea number two. She owes. She's above the credit card limit on a fucking Ikea card. What is wrong with you?

• 1:08:52Speaker 03

  Okay, well, okay, so I paid for the account as sure and well, I didn't, I got it. I paid, well, like, I didn't really know what it was and so like they started charging me monthly fees. I didn't realize how much it would affect me.

• 1:09:05Caleb Hammer?

  What do they even sell you? What does it even say it does?

• 1:09:08Speaker 03

  It's like if I lose my job, then like, I'll be fine.

• 1:09:11Caleb Hammer?

  What? Then you'll be fine with what?

• 1:09:14Speaker 03

  I don't know, like, I, it protects. If you lose your job, I think it pays for it. I'm not entirely sure, honestly.

• 1:09:21Caleb Hammer?

  Six hundred dollar blow dryer on this card? Couldn't even make it through fucking hair school.

• 1:09:26Speaker 03

  It was a Dyson airwrap. It makes my hair look really cute for work.

• 1:09:29Caleb Hammer?

  Your hair looks fine.

• 1:09:30Speaker 03

  I used it today.

• 1:09:31Caleb Hammer?

  One thousand eleven dollars and eighty-two cents on a thousand dollar limit. Your hair looks fine. Minimum monthly payment, forty dollars.

• 1:09:39Speaker 03

  A Dyson.

• 1:09:39Caleb Hammer?

  What a joke!

• 1:09:40Speaker 03

  It was a good purchase.

• 1:09:41Caleb Hammer?

  No, none of these purchases are good. Okay, Dyson are moving out.

• 1:09:47Caleb Hammer?

  Dyson or moving out?

• 1:09:48Speaker 03

  Dyson air wrap, oh my god.

• 1:09:50Caleb Hammer?

  More than moving out.

• 1:09:51Speaker 03

  I love my Dyson air wrap. It's godly. It makes my hair look really nice. It takes so little time to do my hair every morning.

• 1:09:59Caleb Hammer?

  Because people put work into it. And because, you know, we upload three of these a week. And I'm sure someone will find this interesting. And someone will send this to the person they know that is just like you and as moronic as you.

• 1:10:09Speaker 03

  And someone will agree that the Dyson air wrap was a good purchase.

• 1:10:12Caleb Hammer?

  So there are actual reasons to continue filming this, but you are lost. Let's be clear, you are lost. If you're preferring Dyson air wrap over moving out and actually starting your-

• 1:10:21Speaker 03

  I'm not saying that I prefer it over moving out, but that Dyson was a good purchase.

• 1:10:28Speaker 03

  I think your person, if you had a person, you know, like they would.

• 1:10:32Caleb Hammer?

  They do.

• 1:10:33Speaker 03

  Well, your girlfriend would probably really enjoy a Dyson air wrap if she doesn't already have one.

• 1:10:37Caleb Hammer?

  She doesn't. She would.

• 1:10:40Speaker 03

  She'd probably love it, though.

• 1:10:41Caleb Hammer?

  And I can buy it, cuz I can afford it, cuz I've moved out and started my life. You can't afford to leave your parents. You want to leave your parents. You chose Dyson and paying for their stock, price to go up for investors like me. Thank you.

• 1:11:00Speaker 03

  You're welcome.

• 1:11:01Caleb Hammer?

  I just, I, I, I, I don't get it. I just don't understand why you, the choices you make are just so backwards. They're just so backwards.

• 1:11:13Speaker 03

  It was a good purchase.

• 1:11:14Caleb Hammer?

  And then you pay-

• 1:11:15Speaker 03

  Definitely regret it.

• 1:11:16Caleb Hammer?

  Job protection bull**** on it, and now you're over the limit.

• 1:11:19Speaker 03

  Okay, well, I cancelled that. I cancelled that recently.

• 1:11:22Caleb Hammer?

  Shut up! You put a trip on this card, apparently, too, they're telling me.

• 1:11:26Speaker 03

  A what?

• 1:11:26Caleb Hammer?

  A trip.

• 1:11:29Speaker 03

  What trip?

• 1:11:30Caleb Hammer?

  I don't know, to a friend's wedding?

• 1:11:33Speaker 03

  Yeah, yeah.

• 1:11:35Caleb Hammer?

  She is a **** supervillain, she's a little creature.

• 1:11:37Speaker 03

  I mean, it wasn't that far of a trip, it was like to Navasoda, you know? It was a **** bit of a drive.

• 1:11:42Caleb Hammer?

  What did you just call me?

• 1:11:43Speaker 03

  To Navasoda. You know what that is?

• 1:11:45Caleb Hammer?

  No! Or else I wouldn't be giving you that face!

• 1:11:48Speaker 03

  It's a **** place in Texas, Google it.

• 1:11:50Caleb Hammer?

  Fine.

• 1:11:54Caleb Hammer?

  No one's ever heard of that place, except for the people that live in Navasota.

• 1:11:57Speaker 03

  I think you just haven't heard of it because you're uneducated.

• 1:12:00Caleb Hammer?

  Do we know Navasota? Do we know Navasota?

• 1:12:03Speaker 03

  Oh, yes.

• 1:12:04Caleb Hammer?

  We got one yes, one no.

• 1:12:06Speaker 03

  Because they're educated.

• 1:12:08Caleb Hammer?

  Okay, three no's, one yes.

• 1:12:10Speaker 03

  So, three people are uneducated.

• 1:12:12Caleb Hammer?

  A small town. And it's out, okay, it's right next to Houston. You live in Houston. Why'd you have to put hundreds of dollars on this card?

• 1:12:20Speaker 03

  Well, the hotel room, I had to get the hotel room. And then there was the speakeasy and I wanted to get drinks. I also had to get my friend a wedding gift because it is her wedding. You give people stuff on their wedding.

• 1:12:30Caleb Hammer?

  This is getting drinks every day just to make it through a workday with you.

• 1:12:35Speaker 03

  Buzz ball a day, keeps the demons away.

• 1:12:38Caleb Hammer?

  Listen, I get it. Support a friend, go to the wedding. I love it, but look at how you're doing it. It's so stupid. She better be like a bestie.

• 1:12:46Speaker 03

  Yeah, she's my bestie. I'm jealous of her lifestyle, honestly. She's got a man. He makes enough money to support both of them, you know?

• 1:12:53Caleb Hammer?

  Maybe if you weren't a fucking creature, you'd have one too.

• 1:12:56Speaker 03

  Maybe if I had a man that made more money than me, yeah, you know, I'd probably be a better off. I don't think everyone makes more money than me.

• 1:13:03Caleb Hammer?

  You're right, not everyone, but the majority, the median income in these United States does.

• 1:13:08Speaker 03

  I think I make more money than most people my age.

• 1:13:10Caleb Hammer?

  Nope. Hmm.

• 1:13:12Speaker 03

  Most people my age would probably be, be having other jobs, you know? I think I'm pretty far ahead compared to those people.

• 1:13:18Caleb Hammer?

  Graduating college.

• 1:13:20Speaker 03

  And they don't have jobs. So, I at least have a job. I at least make forty thousand a year. I mean, they might be in school, but are they making money? I don't think so. I am.

• 1:13:31Caleb Hammer?

  Yeah, in general, in general, sure. For someone fresh out of college, yes, you do actually make more than that. However, they are going to quickly pass you because once they get above about twenty-five, they're going to quickly surpass you. Start getting closer to that sixty thousand dollar median salary in Houston. So, yes, for fresh out of college, you are technically making more because they're around that thirty to five range. Thirty to thirty-five.

• 1:13:54Speaker 03

  Exactly.

• 1:13:54Caleb Hammer?

  They will be to sixty, you will be stuck at forty.

• 1:13:56Speaker 03

  I can get to sixty.

• 1:13:57Caleb Hammer?

  No, you can't. No one will ever want to work with you ever. And no one will ever want to date you, which is why you are jealous of someone else who has a man that pays for things. When I get my girl a Dyson Airwrap, you'll be jealous because I paid for it. And I paid for it with a budget that I have and finances that I manage.

• 1:14:16Speaker 03

  Well, I still have a Dyson Airwrap.

• 1:14:17Caleb Hammer?

  You have debt for a Dyson Airwrap that you still have.

• 1:14:21Speaker 03

  I have it though, don't I?

• 1:14:22Caleb Hammer?

  And you still have the debt.

• 1:14:24Speaker 03

  That's fine, but I have a Dyson Airwrap.

• 1:14:26Caleb Hammer?

  Yeah, you can't move out of your own house. Shut the fuck up. What, what, what card is this?

• 1:14:31Speaker 03

  Premier.

• 1:14:34Caleb Hammer?

  Premier card?

• 1:14:34Speaker 03

  Yeah.

• 1:14:35Caleb Hammer?

  We already talked about Premier. Is this a different Premier?

• 1:14:38Speaker 03

  There's two.

• 1:14:39Caleb Hammer?

  She has two of everything.

• 1:14:43Caleb Hammer?

  She's insane, man.

• 1:14:45Speaker 03

  They offered it to me. How could I say no?

• 1:14:47Caleb Hammer?

  Oh my god.

• 1:14:48Speaker 03

  How can I say no to an offer like that?

• 1:14:49Caleb Hammer?

  So you will literally take any drug that someone offers you?

• 1:14:52Speaker 03

  Not any drug.

• 1:14:56Speaker 03

  I have morals.

• 1:14:57Caleb Hammer?

  How do you, but you have no advocacy for yourself. You opened this a month ago. You opened this a month ago? And it's a $703.67 cents? Minimum monthly payment's $300. What's the limit on this card? Or minimum monthly payment $30? What's the, what's the, what is the, what the is the limit?

• 1:15:17Speaker 03

  700.

• 1:15:20Caleb Hammer?

  She opened it a month ago. She's over the, she's over the credit limit.

• 1:15:26Caleb Hammer?

  Oh, I'm so close to just ending this one. I am so fucking close. I'm sorry. I'm sorry. I'm sorry. Ah, it's a brand of productive!

• 1:15:35Speaker 03

  I bought, I bought clothing for my interviews with that card.

• 1:15:39Caleb Hammer?

  You buy a piece of clothing twice a day. Do not try to justify.

• 1:15:44Speaker 03

  I had to buy corporate girly outfits.

• 1:15:46Caleb Hammer?

  You just need to fucking buy an outer shell and accept your life. That's just what you gotta get. Just put on the shell, get in the water. That's where you belong. You're just going to TJ Maxx, Taco Bell, InReach, Marshall's, Premier Nail Bar?

• 1:16:05Caleb Hammer?

  Not worth it. Mr. Car Wash, you live in Houston, it's not a desert, it's not snow, there's no salt.

• 1:16:12Speaker 03

  I have a white car. I have a white car and it's brand new.

• 1:16:17Caleb Hammer?

  Conversation and your car workers and seeing your boyfriend, you always prefer the white versions of everything. So that doesn't surprise me, but also who cares?

• 1:16:24Speaker 03

  I want to keep my car clean. That's why I'm gonna go to the car wash. That's why I have a car wash membership.

• 1:16:28Caleb Hammer?

  Do you want to move out or do you want your white car to be spotless? Who cares?

• 1:16:31Speaker 03

  I can have both.

• 1:16:32Caleb Hammer?

  No, you can't. Obviously, as in you're not doing both right now. You obviously can't though, or else you'd be doing both lady.

• 1:16:39Speaker 00

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• 1:17:10Caleb Hammer?

  Exactly.

• 1:17:13Caleb Hammer?

  Cash app, $66.95. Charlie's Philly Sticks. Charlie's Philly Sticks, collectible dillards?

• 1:17:25Speaker 03

  Had to buy a dress for the wedding.

• 1:17:26Caleb Hammer?

  Restaurant it looks like. A monthly fee of $8, an annual fee of $79. Whoa, this is fucking card. Wait, oh, wait, yeah, pull, pull it up, pull it the fuck up. I don't know how much interest you're, I don't care actually, just keep it. You're losing interest. This is what a fucking joke, just, that's so stupid. It's so stupid. Capital One? Great, we have a Capital One card.

• 1:17:53Speaker 03

  That one's not that bad. It's only $300. It's only $300. It could be worse.

• 1:17:57Caleb Hammer?

  Shut up. It's always, shut the fuck up. It's only $307 because the limit is $300. That is the third card that we are over the limit. Shut up. If the limit was higher, you would have made higher. $25 minimum monthly payment, $7.56 of interest accruing. She purchased on it. She f***ing purchased on it and it's above the limit. What a joke. 15 months to pay off. It's for Freddy's Steak Burgers and fries.

• 1:18:21Speaker 03

  I was hungry.

• 1:18:22Caleb Hammer?

  You're always hungry and it's Taco Bell the next time. Yeah, this diet's going real well that she bragged about.

• 1:18:30Speaker 03

  I just started.

• 1:18:31Caleb Hammer?

  Everyone just starts everything a day before they come on the show. Shut up. If you do it three months from the show and the entire time leading up to that three months since coming on the show, then I will respect that. Do it three days before coming on the show? No, that means nothing. It's at a 29.49% interest rate. I just don't understand how someone could be purchasing on a card that is above the limit, that is accruing interest that we cannot fully pay off when we want to move out. This makes no sense. This makes no sense. This makes no sense.

• 1:19:01Speaker 03

  I'm just a hungry girl sometimes, you know? I go to work. I get hungry during lunch, you know? And so I go and I buy myself food during lunch.

• 1:19:12Caleb Hammer?

  Raised on TikTok and it has ruined you. It has ruined everyone like you. You have no idea. You have no idea. Your life is going to be miserable because you think this is cute. You have no idea. The rest of your life is gonna be f***ed because you think it's cute to just be a hungry girl. It's not cute. Your life is ruined. You're done. And I'm almost done.

• 1:19:41Caleb Hammer?

  Oh, we have another over the limit credit card. First community. I'm not even shocked anymore. This is so sad.

• 1:19:50Caleb Hammer?

  Ah, we owe, uh, $1,011.03. The minimum payment of $30.33.

• 1:20:01Caleb Hammer?

  She purchased $8.73 on this and it has a limit of $1,000. Takes seven years to pay off this $1,000 with the minimum payment only and no purchases. Seven years just for that. $14.69 of interest accrued.

• 1:20:14Speaker 03

  I'll pay it off before then.

• 1:20:16Caleb Hammer?

  You are above the limit on multiple cards and there has been nothing that has even been close to paid off. That is a lie. Shut the up. You've had a late fee this year so far. There is no way. I will just pay this off. Shut up. Shut up. Shut the up. And you're getting busy B boa?

• 1:20:36Speaker 03

  Boba's good.

• 1:20:37Caleb Hammer?

  It is good. You can't afford it.

• 1:20:38Speaker 03

  I love Tai Chi. You know, Tai Chi from busy, busy Bobo is really good.

• 1:20:42Caleb Hammer?

  Sure, I love it too. I moved out of my house.

• 1:20:46Caleb Hammer?

  I moved out of my parents' house.

• 1:20:49Caleb Hammer?

  I can do it. I'm an adult. I can do it. No, you can't. You're a child. You're a little baby. Okay, fine. Enjoy your Pokemon cards and boa. Live with mom forever. I mean, that's it. That's the alternative. That's the alternative. What is this? Is a pink card, right?

• 1:21:05Speaker 03

  Victoria's Secret.

• 1:21:09Caleb Hammer?

  Man, I'm just, I'm so close to just being done. Uh, you owe $47. You have a available, I mean, yeah, it's a $150 limit. So that's why you don't have much on here. $47.25. Fees $2. Minimum payment $30. What's the fee minimum interest charge? What a card to have. 35.99% interest rate. What a dumb and bull card. $7.53 of interest this year so far. $4 of minimum fees charged this year so far. So stupid.

• 1:21:39Speaker 03

  See, that was not that bad. That was not that bad.

• 1:21:42Caleb Hammer?

  Why did we even have this card? Who are you trying to perform for? You don't have it.

• 1:21:45Speaker 03

  Okay, I got it years ago. It was like one of my first credit cards and I just use it every now and then to purchase undergarments.

• 1:21:56Speaker 03

  And I just make one monthly payment over time.

• 1:22:00Caleb Hammer?

  Your minimum payment is lower than you said at the beginning. Oh, wait. No, it's not. Oh, you only made a partial payment, so that's why you have to owe the rest. Oh, and there's no way you haven't been late on this car.

• 1:22:12Speaker 03

  I have not, actually. No, I'm actually a month ahead.

• 1:22:15Caleb Hammer?

  I don't believe you. You're not a reliable source. I don't believe you. What is the card again? It's a 2025 Honda HRV?

• 1:22:26Caleb Hammer?

  Okay, thirty-four thousand seven hundred twenty-eight dollars and seventy-six cents is basically your monthly income, certainly is after taxes. Minimum payment, five hundred ninety-nine dollars and fifteen cents.

• 1:22:44Caleb Hammer?

  Huh, huh, huh, huh, what's it worth?

• 1:22:48Speaker 03

  Maybe like twenty thousand?

• 1:22:50Caleb Hammer?

  Twenty-four, you're underwater by ten thousand dollars, what a joke, you just bought this?

• 1:22:55Speaker 03

  Well, yeah.

• 1:22:56Caleb Hammer?

  What a fucking joke.

• 1:22:58Speaker 03

  I was upside down on my other car and I had to roll it over onto this car. At least it's a twenty twenty-five, so it'll last me a little longer.

• 1:23:07Caleb Hammer?

  You were underwater, now you're underwater again, so it's the same thing, so we may as well roll it into a sixty thousand dollar car.

• 1:23:12Speaker 03

  But I have a better interest rate, so it makes it okay.

• 1:23:14Caleb Hammer?

  It doesn't make sense, you're gonna be paying this, it doesn't make sense when your payoff term is February twenty-first, twenty thirty-one. That's insane.

• 1:23:23Speaker 03

  That's not that far away, it's twenty twenty-five. Twenty thirty-one, that's what, six years away?

• 1:23:30Speaker 03

  We're halfway through this year already, you know what, we'll be there in no time.

• 1:23:33Caleb Hammer?

  Even with a low interest rate, the amount of interest that is gonna be accruing for six years is disgusting, you're gonna lose so much money and then the depreciation, you're definitely losing money.

• 1:23:42Speaker 03

  Well, that's why I pay it every two weeks to make the interest at least like a little bit lower for each payment I make.

• 1:23:52Caleb Hammer?

  Listen, well, let's see how you do it.

• 1:23:56Caleb Hammer?

  Oh, the way you're doing it works correctly.

• 1:24:01Caleb Hammer?

  That's an insane debt, that's an insane, oh, you have student loans and you're never graduating. Uh, do you have payments on these?

• 1:24:09Speaker 03

  Probably, but honestly, I haven't looked at it.

• 1:24:13Caleb Hammer?

  Do you have minimum set up? You don't owe much, it's two thousand seven hundred ninety, your minimum payment would be low like twenty-five bucks.

• 1:24:20Speaker 03

  I mean, I don't know, I've never, like, I've logged into the website, right, but like, they've never like sent me something saying like I need to start paying.

• 1:24:27Caleb Hammer?

  Well, they will garnish your wages if you don't.

• 1:24:31Speaker 03

  I don't know how it works.

• 1:24:36Caleb Hammer?

  She has negative thirty dollars in her checking account.

• 1:24:46Caleb Hammer?

  You're never gonna move out. You're done. You're done.

• 1:24:49Speaker 03

  My gym fee hit. Forgot about it and it overdrafted my account. Yeah, my gym. I forgot that I had to pay that and you know, so it made my account negative.

• 1:25:02Caleb Hammer?

  Started with thirty dollars. If you start with thirty dollars, you're already pushing it. He got fucking honey farms and Oola and Zip and Salmons, Bagu, Dutch Bros, Spotify, Michael Stores, AliExpress, Amazon Marketplace, AliExpress. Can you fucking AliExpress?

• 1:25:21Speaker 03

  I got outfits from Boo Boo.

• 1:25:24Caleb Hammer?

  From AliExpress?

• 1:25:25Speaker 03

  They were cheaper there.

• 1:25:27Caleb Hammer?

  Shut the fuck up, Dazeo. Tex Mex, Goodwill, Sonic, Fortnite, Philly Cheese Stakes, Academy Sports. This is so stupid. Oh, here's all your pay advances coming in. Sixty dollars, forty-five dollars, twenty-five dollars, twenty dollars, eleven dollars, eleven dollars, sixty-nine cents, two dollars, ninety-six cents, two dollars, twenty cents, fifty-five dollars, forty dollars, twenty dollars, fifty-seven dollars.

• 1:25:59Caleb Hammer?

  What?

• 1:26:02Caleb Hammer?

  Apple Cash. Going and getting some BS. Mr. Car Wash again. Dutch Bros, Taco Bell, Zip, Zip, Five Below, Philly Cheese Stakes for the diet person she's eating out every second of her life. Marble Slab, Creamery, Zip, Affirm, Zip, Zell, Chick-fil-A, Philly Cheese Stakes, going in and getting some liquors, zelling out money, ramen, Barnes and Noble, Kung-Fu Tea, Little Bubble, Whataburger, at pay later. Zip, Taco Bell, Zip, Zip, Total Wine and More, Zip. Yeah, drink away all your pants, suffering this. You were negative forty at one point and then your EZ Tag hit. Don't take tolls. You can't afford tolls.

• 1:26:44Speaker 03

  But that makes me get to work so much faster.

• 1:26:46Caleb Hammer?

  I don't care. You can't afford it. You're overdrafting with it.

• 1:26:49Speaker 03

  It's thirty miles to get to work from my house.

• 1:26:52Caleb Hammer?

  You're overdrafting with it. If you're overdrafting, we don't get to do tolls.

• 1:27:00Caleb Hammer?

  How many overdrafts have you had this year so far? Do you even know?

• 1:27:04Speaker 03

  Not that many.

• 1:27:05Caleb Hammer?

  Pull up your checking account.

• 1:27:06Speaker 03

  It only recently started.

• 1:27:07Caleb Hammer?

  Pull up your checking account!

• 1:27:08Speaker 03

  It only recently started!

• 1:27:08Caleb Hammer?

  Pull up your checking account, you fucking person! Just listen to me when I say things.

• 1:27:16Caleb Hammer?

  Oh, good, Capital 17 savings, seventy-two cents. Oh, we paid for Zip in there. And Verizon Wireless.

• 1:27:25Caleb Hammer?

  What a joke.

• 1:27:28Caleb Hammer?

  Thousand, uh, two thousand three hundred and fourteen hours in retirement. Surprising. So weird. You and your health savings account talking on this. It's so weird.

• 1:27:37Caleb Hammer?

  It just makes no sense. Okay. It was your first overdraft this fee this year so far.

• 1:27:44Speaker 03

  I got it reversed, though.

• 1:27:45Caleb Hammer?

  Honestly surprised to see that.

• 1:27:46Speaker 03

  I got it reversed.

• 1:27:47Caleb Hammer?

  Honestly surprised to see that.

• 1:27:48Speaker 03

  I called right away and I asked to get it reversed.

• 1:27:49Caleb Hammer?

  But look how we're starting. Now it's starting.

• 1:27:51Speaker 03

  That's the only time I've gotten.

• 1:27:53Caleb Hammer?

  For now, look where you are. Everything's maxed out, over maxed out, except for the Victoria's Secret, which is only takes like another forty, a hundred bucks to get maxed out. You have no wiggle room. You take tolls, you don't care about your spending, you just go crazy. Boo boo, Pokemon, boba, Whataburger, Chick-fil-A, everything. Go in and get in some liquor? You're just, it's so fucking moronic. You are going to overdraft again. You are going to overdraft again. There's not a chance you don't.

• 1:28:20Speaker 03

  It's only happened to me once this entire two years. So you know what? I think I'm doing relatively fine. It's the first time.

• 1:28:27Caleb Hammer?

  Having a job, I guess? Okay. I'll see if I can even make a budget. I don't even think you're worth it, no offense. You worth the time and energy?

• 1:28:37Caleb Hammer?

  Clearly, the last guy said no.

• 1:28:41Caleb Hammer?

  Okay, minimums to payments alone. Boo! Boo!

• 1:28:46Caleb Hammer?

  Take one thousand, one hundred and nine dollars and seventy-six cents. What's your car insurance?

• 1:28:52Speaker 03

  Two hundred and eighty dollars.

• 1:28:53Caleb Hammer?

  Gas?

• 1:28:55Speaker 03

  Thirty bucks to fill up.

• 1:28:56Caleb Hammer?

  How often, you tit?

• 1:28:58Speaker 03

  Once, twice, maybe, a week, depending on how much I've driven.

• 1:29:04Caleb Hammer?

  Okay, we'll call forty five times four, one hundred eighty, say on average. Phone bill?

• 1:29:11Speaker 03

  One fifty?

• 1:29:12Caleb Hammer?

  Okay, pay off your fucking phone, dude. It's so fucking stupid. Do you have any rent or anything, utilities or whatever to the parents? Or you're just being a leech?

• 1:29:21Speaker 03

  Not yet. I'm gonna start. I'm starting around August.

• 1:29:26Caleb Hammer?

  August, how much?

• 1:29:27Speaker 03

  Four fifty.

• 1:29:29Caleb Hammer?

  Okay, four fifty. Well, butch it in, because August is right around the corner. Groceries, three hundred dollars. Here's our budget friendly cookbook. If you want it, you can't purchase it, but sign up for the trial at DollarWise and take the annual version and I'll sign it and send it directly to your door. The budget in that version of DollarWise. TP phone, hundred dollars. Anything else you need to survive? Subscriptions. I usually like to put in fifteen bucks these days. You have any pets?

• 1:29:51Speaker 03

  Um, my parents have cats.

• 1:29:53Caleb Hammer?

  What's your gym?

• 1:29:54Speaker 03

  Twenty-five, biweekly.

• 1:29:56Caleb Hammer?

  Biweekly? Okay, fifty. Uh, medical healthcare. Any copays on a monthly basis?

• 1:30:03Caleb Hammer?

  You go see special help?

• 1:30:05Speaker 03

  I mean, I go to get my annual, like, eyeglasses.

• 1:30:08Caleb Hammer?

  Just annual, okay. Nothing on a monthly basis? No prescriptions? No nothing? Okay, when she stopped the CVSes, bull or she had an STD, we don't know. So I'll call that out. That was like a thirty dollar thing you did at CVS earlier. What else? Anything else? That needs to be in your budget? Speak now, or it's gone. So no?

• 1:30:26Speaker 03

  I can't think of anything.

• 1:30:27Caleb Hammer?

  Nothing else? Great. You're underwater by one hundred thirty-four dollars, seventy-six cents. Um, you're never gonna be able to move out. I mean, just, I just, I'm sorry, you're a leech, you're, you don't care. You think being just a girl is so cute. You're TikTok brained, you're ruined. I'm annoyed that I wasted this time on you. You're a joke. I'm sorry, I'm sorry. I know I'm being mean, but I'm also just not gonna, you need to hear, because no one's ever told you. What you're doing is not cute. What you're doing is not nice. What you're doing is not funny. You're a joke. You're disgusting. You'll never have independence. You're never gonna be with someone. You'll never get a better job. You will never increase your income

• 1:31:08Caleb Hammer?

  unless you actually change your behavior. And that is the big recommendation from this conversation. If you change your behavior.

• 1:31:16Caleb Hammer?

  If you change your on, uh, I'll, I'll look on life, go take some therapy and accountability, actually deal with it in a mature way. I can see you potentially getting a better job. I can see you interacting with people in a more healthy way. Until then, I don't know how to do it. And I think you're going to be living at home forever and thinking you're cute, collecting your little figurines. You got nothing and I'm sorry. Cause that's the reality of the situation. And I'd rather just tell you the reality than enable you like everyone else in your life has. Cause that's not going to help you. I'm going to give her her financial audit or her hammer financial score, but make sure to join us in the post show with the link in the description or pinned comment below.

• 1:32:00Caleb Hammer?

  Join the hammer elite version, by the way, thousands of hours of extra content right now. Uh, by the way, if you join it, we're covering the cost. So all you have to do is join hammer elite, then go to hammer elite.com, show your proof of purchase there. And then I'll send you a $10 digital gift card that can be spent anywhere in almost any country, except for like North Korea and Russia. Uh, and yeah, join that. We have three shows that get posted every day, Monday through Friday. It's incredible. It's the best YouTube membership in the history of YouTube. YouTube has told us that themselves. Don't miss out on that extra content. Hammer financial score, spending in a budget score. Did you even, oh, yep, she overspent.

• 1:32:41Caleb Hammer?

  She brought in $2,592 and spent $4,644. Spending in a budget score zero out of 10. What a joke. Debt horrendous debt, no collections, no IRS debt, but for your income really bad. So one out of 10. For your income, it's actually horrendous. It's disgusting. It's horrible. I don't know how you're going to survive. I'll give you a two out of 10 to be generous. Emergency fund, I didn't know, nothing in savings, zero out of 10. Retirement, okay, let's assess. Where do you want to be?

• 1:33:07Speaker 03

  I have something in there. Something in there. It's not like I have zero dollars in my retirement. I invest 1% of my paycheck into my retirement. That's better than nothing. That's better than nothing.

• 1:33:18Caleb Hammer?

  I'm doing fucking math of where I'd want you to be at 22. So just shut up. Shut the up. You're actually halfway decent for 22 with growth. If you keep putting in, I don't know if 1% is going to get you there, but you're at least a at 22. Seven out of 10 getting started there. Real estate, zero out of 10.

• 1:33:42Caleb Hammer?

  I didn't see an HSA. Did you blow it? Is it gone?

• 1:33:45Speaker 03

  No, technically it's an FSA.

• 1:33:47Caleb Hammer?

  Hammer Financial Score rounded up and you're lucky by that automatic retirement contribution that you don't have to do anything to do. So you're not going to [__] it up because you already just set it up and it's automatic, which you should do for all your minimum debitments. Hammer Financial Score rounded up to a 2 out of 10. You don't really deserve that, but you do get it mathematically at least. Join us for the post-show. Make sure you download the Dollar Wise Budgeting app if you want to take control of your money and join Dollar Wise Central if you want to take all of our educational programs for much lower cost than purchasing them individually. See you in the post-show.

• 1:34:14Speaker 03

  He told me that if I pegged him, he would buy me an [__].

• 1:34:18Caleb Hammer?

  Was it stinky?

• 1:34:19Speaker 03

  Sometimes he wasn't really that clean, you know?

• 1:34:22Caleb Hammer?

  Was he laying down? Was he standing up?

• 1:34:25Speaker 03

  Um, all fours.

• 1:34:27Caleb Hammer?

  He took back shots. Can you pull up the picture again?

• 1:34:30Speaker 03

  Oh.

• 1:34:31Caleb Hammer?

  Get in.

• 1:34:32Speaker 03

  Okay.

• 1:34:33Caleb Hammer?

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

• 1:34:44Speaker 06

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