Pathetic Simp Drowning In Debt For Busty Latinas | Financial Audit

Oh wow, the texts and voice notes between him and his ex are CRAZY AF--- you need to watch this post show... Watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Head to https://DRINKAG1.com/CALEB to get a FREE Welcome Kit with an AG1 Flavor Sampler and a bottle of Vitamin D3 plus K2, when you first subscribe! ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:56Caleb Hammer?

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

• 0:59Speaker 03

  If you think about it, it's actually kind of all your fault for the reason I'm here. I was like in like Graham Stephan.

• 1:04Caleb Hammer?

  FaceTime Graham Stephan.

• 1:05Speaker 03

  No, no, it's just your fault.

• 1:06Caleb Hammer?

  Oh, it's just my fault. Sorry, Graham. He says it's just my fault.

• 1:08Speaker 03

  I am. I was doing well when I was just watching Graham.

• 1:10Caleb Hammer?

  You had all that money still, and you didn't blow it all on women, booze. You lost out on $4 million. Black Friday starts now. Master your money. My all-in-one personal finance membership is finally live. It is every single course I've ever made, exclusive content, and a members-only community. Click the link below and become the member of the best money membership on the planet. I'll see you inside.

• 1:32Speaker 03

  My name is Logan from San Antonio, Texas, and I'm 21, and this is Financial Audit.

• 1:39Caleb Hammer?

  Yes, it is. This has been interesting, the few minutes I've been in the room. When I, when I saw you from afar.

• 1:45Speaker 03

  Yeah.

• 1:45Caleb Hammer?

  I thought you were either a they/them making me my coffee or just straight up les.

• 1:50Speaker 03

  Oh, that, yeah, that's incredible.

• 1:52Caleb Hammer?

  He has birthing hips, for those who don't know. Uh, maybe you want to stand up and give us a twirl?

• 1:57Speaker 03

  Uh, happily.

• 1:58Caleb Hammer?

  Perhaps?

• 2:00Speaker 03

  I think I don't have bird.

• 2:01Caleb Hammer?

  Oh, this is why I saw afar because he has so many things in his pocket. So when I saw him across the studio, I was like, alright, we got a lesbian.

• 2:10Speaker 03

  Yeah, big time lesbian vibes. I'm a big time woman lover, so I'll take that.

• 2:14Caleb Hammer?

  Yeah, unfortunately, I just have a straight dude.

• 2:16Speaker 03

  Yeah, it's not as interesting.

• 2:18Caleb Hammer?

  No, it's not.

• 2:18Speaker 03

  Everyone likes good lesbian mix up.

• 2:20Caleb Hammer?

  Yeah, we love the lesbians.

• 2:21Speaker 03

  We really do.

• 2:22Caleb Hammer?

  So Logan, thanks for coming up to Austin. What do you do for a living in San Antonio?

• 2:26Speaker 03

  So in San Antonio, I work at a data center and also work at a zoo part time.

• 2:32Caleb Hammer?

  The zoo, perhaps?

• 2:33Speaker 03

  The San Antonio Zoo.

• 2:34Caleb Hammer?

  Yeah, I would guess.

• 2:36Speaker 03

  Yeah.

• 2:36Caleb Hammer?

  Uh, what's your position at the data center?

• 2:38Speaker 03

  Uh, the data center, I'm a critical engineering tech, so uh, it's a multifaceted role.

• 2:43Caleb Hammer?

  And people hate you guys right now.

• 2:44Speaker 03

  They're wrong.

• 2:45Caleb Hammer?

  Oh, they're wrong?

• 2:46Speaker 03

  Yes, they're wrong.

• 2:47Caleb Hammer?

  Data centers, big upsetness. Now, people overestimate the water thing, but they don't, they don't overestimate the energy use.

• 2:55Speaker 03

  They don't understand it at all.

• 2:56Caleb Hammer?

  Is an actual real thing and it's making energy more expensive. However, the water use, they have no idea what the they're talking about.

• 3:02Speaker 03

  People, no, no, no, people don't know what they're talking about with the energy either. They have no idea. No, yeah. So they, with how much we do, how much infrastructure is built just because of us? Like, it's silly. Like, the argument that we spend too much and all this other stuff, and not to mention the data center.

• 3:16Caleb Hammer?

  I don't care about what private parties are choosing to spend. That, that, that's not the issue, but you know, energy prices are dramatically going up and it is, maybe correlation isn't causation, but it is pretty aligned. But the water use thing, they have no idea what they're talking about. Like 90% of water in California goes to almonds, so I don't want to hear alf, alpha and bullshit like that.

• 3:35Speaker 03

  Water systems, they're pretty stupid.

• 3:37Caleb Hammer?

  But either way, good, you probably make a lot of money.

• 3:40Speaker 03

  I think it's a decent amount.

• 3:41Caleb Hammer?

  What do you make?

• 3:42Speaker 03

  So at the data center job, I bring in about 3,300 a check, so 66 a month net.

• 3:47Caleb Hammer?

  Yeah, in San Antonio, honestly, kinda cheap. Major city, what is it? Fourth or fifth most populated? I think fifth in the country, maybe sixth.

• 3:55Speaker 03

  Something like that. It's like a mill.

• 3:57Caleb Hammer?

  But, well, no, it's more than that, but yeah, it's cheap. You can stretch that pretty far. And then the zoo, why are you doing zoo things?

• 4:06Speaker 03

  Uh, why not?

• 4:07Caleb Hammer?

  Are you sure they don't put you in and then we just observe a lesbian in her natural habitat?

• 4:12Speaker 03

  Yes, I'm pretty sure. No, I don't actually work at the zoo for zoo purposes. I do injection molding.

• 4:18Caleb Hammer?

  What?

• 4:19Speaker 03

  Injection molding, it's like plastic, it fills into a mold.

• 4:23Caleb Hammer?

  For what?

• 4:23Speaker 03

  For like toys and stuff.

• 4:24Caleb Hammer?

  Oh, that's fun. So the zebras can be all zebra-atic and whatnot.

• 4:28Speaker 03

  Yeah, yeah. No, it's more like little kids.

• 4:31Caleb Hammer?

  Good.

• 4:31Speaker 03

  Yeah.

• 4:32Caleb Hammer?

  Good, good, good. You're a vocal fry champion, aren't you? How much do you make in that job?

• 4:37Speaker 03

  Uh, I make a band a month.

• 4:39Caleb Hammer?

  That's a thousand.

• 4:41Speaker 03

  You know the vibes? I ain't even know, uh-huh. You know the vibes? So I get that as a stipend.

• 4:47Caleb Hammer?

  If I've translated my, uh, ethnic rap music.

• 4:52Speaker 03

  Ethnic rap music is crazy.

• 4:54Caleb Hammer?

  It is. You like that?

• 4:56Speaker 03

  Yeah.

• 5:02Speaker 04

  Oh, my God!

• 5:04Speaker 03

  Nope, but, and then that's my stipend, and then I get seven and a half percent of gross sales.

• 5:08Caleb Hammer?

  Uh, what does that average out on a monthly basis?

• 5:10Speaker 03

  Uh, so I'm, uh, annually. So I've only been doing it like three months, so I'll know.

• 5:15Caleb Hammer?

  Can we ring in Tyler real quick?

• 5:18Caleb Hammer?

  Uh, this is, this is very important. This is very important.

• 5:20Speaker 03

  Aw, man.

• 5:21Caleb Hammer?

  Just, just hold on. Oh, here he comes. You know, you love him, especially if you're a Hammer Elite member, one of our favorite producers. Come on in, Tyler. Come on in, Tyler. Uh, I just, I need-

• 5:33Speaker 03

  What's good?

• 5:33Caleb Hammer?

  Permission. Uh, he said he makes a band, uh, for one of his jobs, and I said, oh, I know what that is through my trans- translating from ethnic rap music. Am I excused in saying that?

• 5:46Speaker 04

  Yeah.

• 5:47Caleb Hammer?

  Okay, perfect. Cause I, I was invited to the cookout, right?

• 5:49Speaker 04

  No, no, you were invited to the cookout, so you good.

• 5:51Speaker 03

  Invited to the cookout is insane, bro.

• 5:54Speaker 04

  He had a dooie on his head.

• 5:55Caleb Hammer?

  I had a dooeie on my head. It's true.

• 5:57Speaker 04

  Cause like, he's invited to the cookout. He's valid, bro.

• 6:00Speaker 03

  You give him a dooeie, bro. It's crazy.

• 6:02Speaker 04

  Dooie, bro. He made Kool-Aid the right way, bro. Sugar mix that bit? Come on, bro.

• 6:06Caleb Hammer?

  It's true.

• 6:06Speaker 04

  He knows what a band is. We're getting them culture, brother.

• 6:08Speaker 03

  We're getting them culture.

• 6:10Speaker 04

  I got you, bro. I got you, bro.

• 6:11Speaker 03

  That was a weak dub.

• 6:13Speaker 04

  What's love? What's love?

• 6:15Caleb Hammer?

  Thank you Tyler.

• 6:16Speaker 03

  All I'm gonna say is the snap after the dap tells me all I need to know, bro.

• 6:20Caleb Hammer?

  Sorry for the detour. I just need you to know you don't have to cancel me for saying that. And now we're good, uncanceled once again.

• 6:26Speaker 03

  Yep.

• 6:27Caleb Hammer?

  So it looks like it's a total, uh, well, yeah, the, the gross sales. The percentage, like what is averaging out?

• 6:34Speaker 03

  So, uh, doing, like, I get access to all the reports and everything. So I would say it's about next year, right now, six hundred a month. I'll ante up at the end of the year.

• 6:43Caleb Hammer?

  Uh huh. It's handed out at the end? So it stacks up all year?

• 6:46Speaker 03

  Yeah. Well, I can, I can pull from it earlier, but I'm just not.

• 6:49Caleb Hammer?

  Why?

• 6:50Speaker 03

  Uh, I don't know. I haven't thought to.

• 6:53Caleb Hammer?

  Okay, so eight thousand two hundred, right?

• 6:56Speaker 03

  Yeah, seems about right.

• 6:57Caleb Hammer?

  That's what hit your account on a monthly basis if you withdraw what you should?

• 7:00Speaker 03

  Uh, well, I don't want to withdraw from that, the seven and a half percent.

• 7:03Caleb Hammer?

  Why? Sitting there at zero percent?

• 7:05Speaker 03

  Uh, well, the guy, like the owner, uh, he uses a lot of that for like operation stuff.

• 7:10Caleb Hammer?

  It's your money.

• 7:11Speaker 03

  I mean, yeah, but I don't know.

• 7:12Caleb Hammer?

  Pull it.

• 7:13Speaker 03

  I'm gonna get it by the end of the year.

• 7:14Caleb Hammer?

  I'm just gonna let you know.

• 7:16Speaker 03

  Yeah.

• 7:16Caleb Hammer?

  Little spoiler, if you're on the show, you're [bleep]. You need the extra money. You don't get approved to come on Financial Audit unless you're [bleep]. You need the extra money.

• 7:26Speaker 03

  Well, I can make more extra money from my main job than that.

• 7:29Caleb Hammer?

  Well, okay, either way, it's money you earned.

• 7:32Speaker 03

  Yeah, yeah.

• 7:32Caleb Hammer?

  Pull it.

• 7:33Speaker 03

  Okay, okay, okay. I'll talk to him to get it pulled.

• 7:36Caleb Hammer?

  Talk to him? You don't have access?

• 7:37Speaker 03

  Well, no, the way it works is he has to like fill this form thing. It's like a whole process.

• 7:41Caleb Hammer?

  Okay, good. And you'll do that on a monthly basis. Eight thousand two hundred.

• 7:44Speaker 03

  Okay.

• 7:45Caleb Hammer?

  Yeah?

• 7:45Speaker 03

  Yeah.

• 7:46Caleb Hammer?

  So it's not about right to you?

• 7:47Speaker 03

  Yeah.

• 7:48Caleb Hammer?

  If I look in here, will that look about right?

• 7:50Speaker 03

  Yep.

• 7:51Caleb Hammer?

  Yeah, looks about right. And then you've spent basically all of it, it seems. Okay. So what's going on here?

• 7:59Speaker 03

  So pretty much, if you think about it, it's actually kind of all your fault for the reason I'm here. Um.

• 8:07Caleb Hammer?

  Cause I invited you?

• 8:08Speaker 03

  A lot of like my problems and debt and stuff are all surrounded around this one car.

• 8:14Caleb Hammer?

  Did I sell you a car?

• 8:15Speaker 03

  You didn't sell me this car, no. But it's a Jeep Compass. And see, as avid fan of the show.

• 8:22Caleb Hammer?

  Why did Jeep Cherokee?

• 8:23Speaker 03

  I know. And I couldn't afford a Jeep Cherokee. So I got the Jeep Compass and it has pretty much financially ruined me over the last two years.

• 8:31Caleb Hammer?

  How? What happened? Was it new? Was it used?

• 8:33Speaker 03

  It was used.

• 8:34Caleb Hammer?

  Okay, how used?

• 8:35Speaker 03

  Uh, sixty thousand miles.

• 8:37Caleb Hammer?

  Okay.

• 8:38Speaker 03

  Yeah, so.

• 8:39Caleb Hammer?

  What was the condition? That's miles. What was the condition?

• 8:41Speaker 03

  I got it. I got it in perfect condition and I was traveling a lot for my old job then.

• 8:46Caleb Hammer?

  In this perfect condition, did you get that approved by multiple mechanics before you purchased it independently?

• 8:51Speaker 03

  One mechanic, but he's not my buddy.

• 8:52Caleb Hammer?

  Okay, I will fuck you dude. It cannot be a personal attachment mechanic. It never can be. You should never use a mechanic, you know. It just gets weird. They, I mean, it could be good for a quick emergency, sure. But if you're actually trying to get done, I want to go with someone who's out there grinding. There's no personal impact.

• 9:10Speaker 03

  Yeah, so.

• 9:12Caleb Hammer?

  So you got a.

• 9:13Speaker 03

  I don't know.

• 9:13Caleb Hammer?

  Jeep that I've never had, that I never said to get. What did you buy it for?

• 9:19Speaker 03

  Here's the thing, here's the thing. Like, I coming out of high school was like super into you, Graham, me, Kevin, all these guys.

• 9:26Caleb Hammer?

  Okay, high school, eight years ago. I was literally just starting, by the way.

• 9:30Speaker 03

  Yeah, yeah. And so what I'm saying is.

• 9:31Caleb Hammer?

  Glad to know lesbians are into me.

• 9:32Speaker 03

  I had gotten the Jeep Compass and at the time I was like in like Graham Stephan Discord's talking to people about which would be a good investment and stuff.

• 9:40Caleb Hammer?

  And they said Jeep Compass?

• 9:42Speaker 03

  Well, no, because I was talking about like, oh, you know, Caleb has a Jeep Cherokee. That makes more sense. And so I got the Jeep Compass and it was good for like maybe eight months. And then it's been a.

• 9:55Caleb Hammer?

  FaceTime Graham Stephan.

• 9:56Speaker 03

  It's a subtle flex.

• 9:57Caleb Hammer?

  You don't think we're friends? I don't know if he'll answer. It's early his time, he's west coast head.

• 10:03Speaker 03

  I'm actually such a big fan, this is crazy.

• 10:06Caleb Hammer?

  I don't know if he'll answer. Oh, my goodness, he actually did. Hey, Graham.

• 10:10Speaker 03

  What's up?

• 10:10Caleb Hammer?

  Oh, my God. I have a question real quick and I did assume that. I am talking to, we're calling him Logan.

• 10:18Speaker 03

  Hi, Graham, I'm a huge fan.

• 10:20Speaker 05

  What's up, man?

• 10:20Caleb Hammer?

  Uh, do you have 30 seconds real quick?

• 10:24Speaker 05

  Yeah, I could be, I haven't had my coffee yet, so sure.

• 10:27Caleb Hammer?

  Well, you know, Logan is on this show and he blames all his financial mistakes on buying a Jeep Compass, of which apparently Caleb Hammer, Graham Stephan, and who else did you say? Like Andre Gieg, like who else?

• 10:47Speaker 03

  Me, Kevin.

• 10:47Caleb Hammer?

  Me, Kevin? Okay, me, Kevin, come on. I don't even know him. But he says we recommended to buy a Jeep Compass. I don't remember ever recommending this, did you?

• 10:58Speaker 05

  No, when did I recommend a Jeep Compass?

• 11:00Speaker 03

  No, Graham didn't recommend the Jeep Compass. I was in your Discord whenever I was buying it. And I was messaging the guys on there and they were like, "Yeah, it seems like a good idea."

• 11:10Speaker 05

  Big difference between me.

• 11:11Speaker 03

  No, yeah, yeah.

• 11:12Caleb Hammer?

  It's a big difference. What are you talking about, Logan?

• 11:15Speaker 03

  No, no, no. I was just taking the seal of approval from the gurus of the field.

• 11:23Speaker 05

  If the internet says it's a good idea, it probably is.

• 11:27Speaker 03

  Exactly, bro. As an iPad kid, you know, I gotta take that.

• 11:30Caleb Hammer?

  Okay. Well, thank you, sir.

• 11:32Speaker 05

  He could have done worse. He could have done worse. Jeeps.

• 11:35Speaker 03

  No, dude, it's a nightmare. There is no worse. There is no worse. That's where you're wrong. It's awful, dude. It's so bad. I put like 7K into it and just repairs. Not to mention I still owe 13 on it. And it's just bad after bad after bad after bad.

• 11:50Caleb Hammer?

  That's not Graham's fault. That's not my fault. And I can't speak for me, Kevin. I've never talked to him.

• 11:54Speaker 03

  No, no, it's just your fault.

• 11:55Caleb Hammer?

  Oh, it's just my fault. Sorry, Graham. He says it's just my fault.

• 11:58Speaker 03

  I'm not holding you, Graham. No, Graham, I was doing well when I was just watching Graham. Then you came out. Dude, I'm just saying, when I was just watching Graham, I had the 10K, I had my fidelity set up. You know, I was doing well off you, Graham. And then the Chase rewards? I got hella money off of that, bro. Thanks for you.

• 12:13Caleb Hammer?

  But then I got involved.

• 12:15Speaker 03

  Yep, and then Caleb got involved.

• 12:16Speaker 05

  You had to pay for it, Caleb. Now it's your responsibility.

• 12:18Speaker 03

  That's what I'm saying. Yeah, so I think Caleb should owe me the 13 for the Jeep, the eight for the damages, pain and suffering, that's gonna be at least another 25. Let's call it an even 50. Even 50, he's sliding 50. And insurance. That was, you know, my insurance was 420 a month. Yes. Graham, thank you, bro. I think he owes me 50. We'll call it 50, right?

• 12:41Caleb Hammer?

  Thank you, Graham. Go enjoy your coffee now, Graham.

• 12:44Speaker 05

  You're welcome.

• 12:44Speaker 03

  Grab you the goat.

• 12:45Caleb Hammer?

  Bye.

• 12:46Speaker 05

  I'll see ya. Bye.

• 12:48Speaker 03

  Do you feel bad?

• 12:48Caleb Hammer?

  No. Explain to me how this was my fault, please, because I haven't heard that yet.

• 12:52Speaker 03

  What do you not understand?

• 12:53Caleb Hammer?

  Well, you got a Jeep Compass. Why was that my fault? What did financial audit recommend? I mean, I said, "Yes, go get it approved by..." Okay, what did you buy it for? Let's get some more details.

• 13:02Speaker 03

  Okay, so I originally was listed for 25. I got it for 21. And then I've paid it down to 13 now, but I had to drive it a lot all across America, so I put a lot of miles on it.

• 13:14Caleb Hammer?

  That was your fault.

• 13:15Speaker 03

  Yeah.

• 13:16Caleb Hammer?

  How many miles did you put on it? Did Caleb Hammer call you and say, go put a ton of miles on a car?

• 13:22Speaker 03

  65,000 miles on it.

• 13:22Caleb Hammer?

  I mean, I drove my Jeep Cherokee from Austin to Michigan and back many times.

• 13:27Speaker 03

  And I drove to Michigan as well.

• 13:29Caleb Hammer?

  I had a couple. Well, that's weird. I had a couple issues.

• 13:31Speaker 03

  Yeah.

• 13:32Caleb Hammer?

  And that's that my battery died just like a couple of times throughout the years, but that's like a couple hundred dollar fix.

• 13:37Speaker 03

  The battery's the least of my worries. The battery, the overheating problems, the radiator, the cooling lines, everything. I replaced every hose, every, I replaced the whole engine in it. It was a nightmare.

• 13:46Caleb Hammer?

  Why would you do that? Was that even worth it? Like, would I necessarily recommend replacing an entire engine?

• 13:51Speaker 03

  Well, so the reason it made sense to replace the entire engine was, um, at the time I had blown a head gasket and I had a warped head. And so, uh, it was cheaper to buy a new engine for me than it was to get that repaired. And I actually got an engine with, uh, lower miles on it and such. I had that inspected by, uh, another mechanic as well.

• 14:11Caleb Hammer?

  But my confusion still is exactly the point of why it was my fault.

• 14:16Speaker 03

  Well, if you think about it, you're advising people on the internet about money and then you go on here and, you know, you advertise this lifestyle of financial responsibility.

• 14:25Caleb Hammer?

  Yeah. Oh, no.

• 14:26Speaker 03

  I'm just imitating.

• 14:27Caleb Hammer?

  It's evil. But what exactly was my fault specifically?

• 14:31Speaker 03

  I would say that, you know, advocating for a certain type of vehicle that is reliable and getting it, you know, checked out by a actual mechanic and all these sort of things. It's exactly what I followed and I got screwed on it.

• 14:42Caleb Hammer?

  What did you buy it for?

• 14:43Speaker 03

  21.

• 14:45Caleb Hammer?

  I mean, listen, I'm okay with like a $10,000 beater to get from point A, point B.

• 14:49Speaker 03

  Mm-hmm.

• 14:50Caleb Hammer?

  Uh, oftentimes, but just like in personal finance, one, it's all personal. There's no one size fits all. If you're a national traveler or everywhere whatsoever for a job, am I necessarily recommending a $10,000 car? No. 21, sure, probably. I don't know if you got a good deal specifically. If it's in a price range for, I don't know what your income was, like, that's something we could do. And you took it to a mechanic, you did well there, but you'll put a lot of miles on it. Who knows if it was worth 21, though? Was it worth 21?

• 15:16Speaker 03

  I would say it was worth 21, yeah, at the time. It's just, all the things that ended up going wrong with it later on and, uh...

• 15:22Caleb Hammer?

  Yeah. How long did you have it before things started going on?

• 15:24Speaker 03

  I would say about six months. And then, uh, I remember I was in Oklahoma for some work thing. And then, um, it was just time after time again, the AC went out and it started overheating and all these other issues.

• 15:39Speaker 03

  It's an absolute nightmare to deal with and constantly breaking down $300 toes.

• 15:43Caleb Hammer?

  Sounds like you got a 21,000 hour car and you got unlucky.

• 15:46Speaker 03

  Yeah, it's a real nightmare.

• 15:47Caleb Hammer?

  Do you think the alternative to that is spending a 50,000 hour car you can't afford?

• 15:50Speaker 03

  No.

• 15:51Caleb Hammer?

  Then what the are you saying?

• 15:53Speaker 03

  I'm saying just go ahead and slide me the 50, we'll call it even.

• 15:55Caleb Hammer?

  Oh, shut up.

• 15:56Speaker 03

  No, now I actually have a truck.

• 15:57Caleb Hammer?

  Well, see, so I don't give a why do you have a truck for this? You don't do truck stuff.

• 16:02Speaker 03

  Uh, sometimes I have to do so.

• 16:03Caleb Hammer?

  You don't do truck stuff.

• 16:05Speaker 03

  It's a Ford Ranger, has a tunnel cover, so it's good to ask mileage.

• 16:12Speaker 03

  But I do have to haul some things. I feel like a lot of my issues aren't actually with financial literacy and with um, like the online sort of like courses and all these other things that are available online. I feel like a lot of my issues have just been with the personal responsibility because I've been very responsible and financially literate with my money in the beginning. And it ended up turning into a lot of just burying my head in sand and mistakes that were mostly surrounded around like not paying attention to money. So I don't think financial literacy is really the problem.

• 16:43Caleb Hammer?

  Okay, how much debt do you have today?

• 16:46Speaker 03

  Um, in total, 60.

• 16:49Caleb Hammer?

  Six, um, basically 64, so you're off by four, which is a substantial number. 4,000 is not insignificant. There's a little bit of financial illiteracy there if we don't know how much debt we have. I mean, you are close, I'll give you credit for that, but how are you so today? No, not Caleb Hammer.

• 17:06Speaker 03

  Uh, like I said, a lot of my mistakes, they did start with the Jeep, to be frank. The Jeep started the lot of it.

• 17:12Caleb Hammer?

  When did the Jeep start?

• 17:14Speaker 03

  Two years ago.

• 17:15Caleb Hammer?

  Okay, when did it end?

• 17:16Speaker 03

  It's still in, it's still in my parking lot.

• 17:19Caleb Hammer?

  But it's not your main thing. It's not your, you're not putting money into it because you don't need to because you're driving another car now, your truck.

• 17:24Speaker 03

  Hmm.

• 17:24Caleb Hammer?

  So when did the Jeep end?

• 17:27Speaker 03

  Well, the repairs are still ongoing. The truck came almost a year ago, it was like 10 months.

• 17:31Caleb Hammer?

  Okay, so for the last year, you didn't need, required to put money into the Jeep.

• 17:34Speaker 03

  Yeah, but I need to sell it.

• 17:35Caleb Hammer?

  I agree, but it wasn't like a requirement for life and living.

• 17:39Speaker 03

  But I need to have transportation that's reliable.

• 17:41Caleb Hammer?

  But you have that, you have the truck.

• 17:43Speaker 03

  Yeah.

• 17:43Caleb Hammer?

  So what are you talking about? That doesn't mean we're putting money into the Jeep this last year.

• 17:47Speaker 03

  Well, I have been putting money into the Jeep for the last year trying to get it up to sale.

• 17:50Caleb Hammer?

  Well, I know that, but you don't have to.

• 17:53Speaker 03

  But I need to be able to. Get rid of it. I gotta repair it.

• 17:56Caleb Hammer?

  I agree, but how much money is worth actually putting into it versus just letting it go? Are you, what's your credit score? Well, I don't know. What's your credit score?

• 18:04Speaker 03

  My credit score, I'd have to look it up on Experian. It's like 660 or something like that.

• 18:10Caleb Hammer?

  Okay, I don't necessarily want a voluntary repo necessarily. We could pay it off. I mean, you make good money. You could tackle. I'm guessing that's the 13K?

• 18:17Speaker 03

  Yeah.

• 18:18Caleb Hammer?

  You can tackle that. That's well within your ability to tackle, big guy.

• 18:22Speaker 03

  Right now, focused on the credit card.

• 18:23Caleb Hammer?

  Even if you sold it now for a few thousand, it wasn't absolutely great. You're at least not putting more money into it when you could be putting more money towards the debt.

• 18:28Speaker 03

  And see, I tried.

• 18:29Caleb Hammer?

  I see you're trying to make the difference.

• 18:30Speaker 03

  I tried to do that. I, um, I.

• 18:33Caleb Hammer?

  Where'd all the money go that you made senior year of high school? Because again, that was only three years ago. You're young.

• 18:38Speaker 03

  So I'm not gonna lie. Went on a little bit of a bender. Okay, I'll be for real.

• 18:43Caleb Hammer?

  What, you went full alcoholism before 21?

• 18:45Speaker 03

  Uh, no, that was, nah, yeah, I guess so, yeah. Traveling, women, food.

• 18:52Caleb Hammer?

  Women?

• 18:53Speaker 03

  Yeah.

• 18:53Caleb Hammer?

  What are you doing, you fucker? I'm proud of you, but what are you doing?

• 18:57Speaker 03

  Women are my demise, bro.

• 18:59Caleb Hammer?

  Me too, me too.

• 19:00Speaker 03

  So much stupid purchases, so much stupid money.

• 19:03Caleb Hammer?

  I agree. Why do you think I get cancelled once a month?

• 19:05Speaker 03

  Hell yeah, bro.

• 19:06Caleb Hammer?

  It's an addiction.

• 19:07Speaker 03

  Latina baddies are my addiction.

• 19:09Speaker 00

  It's like I'm addicted to this shit. I don't know. I can't explain it to you, bro.

• 19:11Speaker 03

  You're addicted to bitches punching you in the face?

• 19:13Caleb Hammer?

  Well. Yeah, okay.

• 19:16Speaker 03

  God damn it.

• 19:16Caleb Hammer?

  San Antonio.

• 19:17Speaker 03

  Yeah.

• 19:18Caleb Hammer?

  Okay, fair enough.

• 19:19Speaker 03

  But, uh, no, yeah. With a lot of these, like, the debt that got racked up, it's all within like an eight month span.

• 19:25Caleb Hammer?

  Rack it up debt for racks? Where are you paying to come?

• 19:28Speaker 03

  No, no, no, no, no.

• 19:29Caleb Hammer?

  You look like a dude that paid to come.

• 19:30Speaker 03

  What the, no, bro. I just, I liked, uh, when I would have a girlfriend and then I would just spoil the fuck out of them.

• 19:36Caleb Hammer?

  Why? Sugar daddy?

• 19:37Speaker 03

  No, not sugar daddy.

• 19:38Caleb Hammer?

  How much are you spending on? You made like a hundred twenty thousand dollars, it sounds like, like before graduation.

• 19:43Speaker 03

  I made more in my last job, actually.

• 19:45Caleb Hammer?

  No, before graduation?

• 19:46Speaker 03

  Oh, yeah, yeah.

• 19:47Caleb Hammer?

  How much were you spending on what for these women?

• 19:49Speaker 03

  I don't know, Airbnbs or hotels or flying to places, food, bougie dates, like that.

• 19:55Caleb Hammer?

  Okay, and how much did you spend on this? What, so you could get your dick sucked?

• 19:59Speaker 03

  Nah, I get that anyways. Um.

• 20:01Caleb Hammer?

  But would they have stayed?

• 20:02Speaker 03

  I don't know. I take care of my own. That's all it is. I just, you know. Uh, it's nice to be able to give them stuff and do things with them and.

• 20:10Caleb Hammer?

  I mean, going into debt to be a simp is a bit, it's a little pathetic.

• 20:14Speaker 03

  Well, a lot of the debt actually would come, I would make the, the bad financial decision.

• 20:19Caleb Hammer?

  I mean, I'm being told.

• 20:20Speaker 03

  Later in the month, I would be like, oh.

• 20:23Speaker 01

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• 20:50Speaker 03

  I don't have enough for XZ.

• 20:52Caleb Hammer?

  I'm being told you moved to San Antonio, took a [BLEEP] job pay cut, and you immediately because you matched with a woman.

• 20:57Speaker 03

  Oh, oh, nah, I forgot I told you about that, goddammit.

• 21:01Caleb Hammer?

  This is what a simp does.

• 21:02Speaker 03

  Okay, so, no, no, no, no, there's more to this, there's more to this, there's more to this. So that chick didn't actually cost me much money.

• 21:08Caleb Hammer?

  She had an OF.

• 21:10Speaker 03

  She did. That was bad, bro. She was [BLEEP] freak, but no, I, I...

• 21:15Caleb Hammer?

  In what way?

• 21:16Speaker 03

  In what way? Bro, she did degenerate [BLEEP]. So like with me, she was pretty normal.

• 21:20Caleb Hammer?

  But that could be great.

• 21:21Speaker 03

  I remember I came home one day, and she was like, she was at my place, and I was like, "What are you doing?" And she was like, "Oh, you gotta go to the, the animal store." And I was like, "The [BLEEP]?" And she was like, "For my only [BLEEP]?" I was taken aback. She had to go buy crickets to squish between her toes to [BLEEP] film for a request.

• 21:39Caleb Hammer?

  Oh, that's not degenerate [BLEEP], that's [BLEEP] up.

• 21:45Speaker 03

  That's what I'm saying, bro!

• 21:47Caleb Hammer?

  Okay, cuz I like degenerate [BLEEP].

• 21:49Speaker 03

  I can get my highs in degenerate [BLEEP], don't get me wrong, but that [BLEEP] was [BLEEP] weird, bro. She was on some [BLEEP].

• 21:54Caleb Hammer?

  And you took a pay cut and all this [BLEEP] just to be with your OF princess?

• 21:58Speaker 03

  I took the pay cut because I was doing the big bucks contracts, right? But robotics has always been my passion, and so I wanted to go into the field of robotics. And so I just applied to hundreds and hundreds of jobs, and then I got in contact with this one owner of like a local automation company, and they were like, "Hey, you seem cool, you wanna come do [BLEEP] work for us?" And I was like, "Bet." And I got from the money I was making all the way down to $21 an hour.

• 22:23Caleb Hammer?

  Yeah, I mean, that kinda makes sense, especially if you're continuing to simp. Let's see her.

• 22:27Speaker 03

  Huh?

• 22:28Caleb Hammer?

  Let's see her.

• 22:29Speaker 03

  Oh, I don't have the... Chick.

• 22:30Caleb Hammer?

  You don't know her Instagram.

• 22:31Speaker 03

  I'm blocked on there.

• 22:32Caleb Hammer?

  I'm not.

• 22:33Speaker 03

  I mean, I can try to find it.

• 22:35Caleb Hammer?

  Try to find it.

• 22:37Speaker 03

  I'm blocked on there. I don't know her exact.

• 22:38Caleb Hammer?

  You don't know her name.

• 22:40Speaker 03

  Yeah, I know her name.

• 22:41Caleb Hammer?

  And I'm being told you spent seventeen thousand dollars in just two months on women. Airbnbs and all this stuff.

• 22:48Speaker 03

  But no.

• 22:48Caleb Hammer?

  Oh, bull****.

• 22:49Speaker 03

  I couldn't. I scrolled to the bottom.

• 22:51Caleb Hammer?

  You don't know.

• 22:52Speaker 03

  That was like a year and a half. I think almost two years ago now.

• 22:54Caleb Hammer?

  Yeah, go ahead. Seventeen thousand dollars. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, grandma. Yrefi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in this student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Yrefi has got you. They'll rearrange your payment plan, ease the monthly hit, and even let your poor cosigner off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what?

• 23:39Caleb Hammer?

  4.6 stars in Google says Yrefi actually picks up and treats you like a real human. Shocker, right? And fine, it's just about as rare as me not slamming the desk every single episode. So if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y R E F Y dot com slash hammer. That is Yrefi dot com slash hammer. Or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. And see how a real personal approach can help you escape the private loan nightmare. Because let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. Wanna know a dirty little secret? And no, I'm not starting an only ****. You're not broke because you suck with money. You just can't see where it's going.

• 24:25Caleb Hammer?

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• 24:53Speaker 03

  But no, the seventeen thousand dollars in two months, that actually had nothing to do with women. I was single then. That was actually, ah dude, I was, um, I remember those two months. I was traveling around back and forth from here to Chicago and then I had to stay in Chicago for several of those weeks and I was with my boys and we just went ham. We were working nights and so on our days off, we were just out and about. I was buying a bunch of stupid, I bought the meta glasses when those first came out. Uh, you know, new phone, new iPad, this, that and the other. It's just a bunch of tech stuff mostly and then, um, a lot of booze.

• 25:30Caleb Hammer?

  I feel like that's why you are where you are today. Cause if you had all that money still and you didn't blow it all on women, booze, tech friends.

• 25:38Speaker 03

  The debt didn't start until I got the Jeep.

• 25:40Caleb Hammer?

  The debt wouldn't have been there. If you didn't blow all that money, you would have bought the Jeep in cash. You would have done the repairs in cash. You would have cut your losses, got a different car in cash. If you didn't blow all your money, this wouldn't be a problem. You were 18, you made a lot of money, you considered yourself financially sound. I mean, you told me you were watching Gram and.

• 25:58Speaker 03

  Yeah, I was doing well.

• 25:59Caleb Hammer?

  Others and whatnot back then.

• 26:01Speaker 03

  Yeah.

• 26:01Caleb Hammer?

  So, and I guess me, even though we barely just started. However, even still, if you did, you didn't follow what anyone would have said. You could have set yourself up for an incredible success. How much did you have in savings at your height?

• 26:14Speaker 03

  Uh, it was.

• 26:15Caleb Hammer?

  This all.

• 26:15Speaker 03

  So it was a little over 10K, it was like almost 11 and then in fidelity, it was like three and then.

• 26:20Caleb Hammer?

  3,000?

• 26:21Speaker 03

  Yeah, and then in Robin Hood, it was like another band and then, uh, I kept a lot of money in PayPal for some weird reason.

• 26:29Caleb Hammer?

  How much?

• 26:30Speaker 03

  Like another band or two.

• 26:32Caleb Hammer?

  This doesn't make sense. What are, what does that get us to like 5.7? I don't, I don't remember at this point.

• 26:36Speaker 03

  It was like 15, 16K.

• 26:39Caleb Hammer?

  That math didn't add up, but either way, you made it sound like you made like a hundred forty thousand dollars or so junior, senior year combined.

• 26:46Speaker 03

  No, it wasn't 140, it was like 120.

• 26:49Caleb Hammer?

  120, how did we only have 20, 15 to show? Call it a hundred thousand because you were like low, low, low, low, low, low, low. At 10% growth, not putting anything in.

• 27:03Caleb Hammer?

  Not putting anything in at all.

• 27:06Speaker 03

  At all?

• 27:07Caleb Hammer?

  Yeah, and just letting that hundred set for forty-one years to sixty-five.

• 27:11Speaker 03

  You don't hold your whole income.

• 27:13Caleb Hammer?

  You had no overhead. You were in high school. You had low overhead, very low. Fine, call it eighty. Because you could have set aside the vast majority of the income. Vast majority of your situation. You lost out on four million dollars. Four million dollars, and now it's not only that, but you're negative sixty-five.

• 27:31Speaker 03

  Yeah.

• 27:32Caleb Hammer?

  From having four million dollars you could have had, and by the way, probably closer to twenty if you kept contributing throughout. You know, twenty, twenty million dollars to now a negative net worth of sixty-five. And yet you are watching all the financial channels of which who no one recommends. People follow those channels, they turn their lives around, they get massive investments, they get good credit cards. They live good lives.

• 27:55Speaker 03

  Yeah.

• 27:56Caleb Hammer?

  And then you show up at twenty-one, negative sixty-five thousand dollars. And nothing to show forth in potential STDs.

• 28:03Speaker 03

  I have no STDs. I got checked.

• 28:04Caleb Hammer?

  Well, that means you didn't live enough.

• 28:06Speaker 03

  Honestly, I got burnt out, to be frank. Like, I was just tired.

• 28:09Caleb Hammer?

  Or the tip of your dick was burning. Which one?

• 28:10Speaker 03

  The tip of my dick has never burned. I never got STDs.

• 28:13Caleb Hammer?

  Then you never lived.

• 28:14Speaker 03

  Wrap it up. But, um, no. I was burnt out from all the work and everything. I'd been since I was sixteen, working, you know, sixty to eighty hours a week. And I mean, I still am.

• 28:23Caleb Hammer?

  I mean, you crashed out with your family, apparently. I mean, just, I don't think, you're living your life like crazy. Crashing out with her family.

• 28:29Speaker 03

  There's been so many events and so many like...

• 28:31Caleb Hammer?

  Hating all your exes and all this craziness, blowing all your money.

• 28:33Speaker 03

  There's so many situations throughout this entire process that at the time, just...

• 28:37Caleb Hammer?

  Why'd you crash out with your family? I'm learning you. I need to learn everything about you.

• 28:41Speaker 03

  So my family and I, we've never been close. They're not like, I wouldn't even call them family. They're just people I grew up with. Like, it's not like that. Like, um, I got two of my close friends. They're my family.

• 28:52Caleb Hammer?

  Well, they ask you for money all the time, even though you're negative sixty-five from being told.

• 28:55Speaker 03

  Oh, yeah, no. Luckily, that's mostly stopped. They've, they have borrowed a lot of money from me.

• 29:00Caleb Hammer?

  Poor, even though you make money.

• 29:02Speaker 03

  Yeah. They, um...

• 29:03Caleb Hammer?

  Which is ridiculous. All for the vagina.

• 29:06Speaker 03

  It wasn't all for the vagina. Maybe like sixty percent.

• 29:09Caleb Hammer?

  Vagina booze traveling. Come on.

• 29:11Speaker 03

  Power of the pussy, man. Yeah, but, uh, no, with the family thing...

• 29:14Caleb Hammer?

  Except I don't spend money on, for that. I never had to, like, work.

• 29:19Speaker 03

  I didn't, I mean, you don't have to.

• 29:20Caleb Hammer?

  I've had a lot of sex.

• 29:22Speaker 03

  Yeah. That's a weird statement, but.

• 29:25Caleb Hammer?

  No, no, no, we're goon brothers.

• 29:28Speaker 03

  We're goon brothers?

• 29:29Caleb Hammer?

  We're goon brothers. I've had a lot of sex. I've never had to like, not to do anything.

• 29:33Speaker 03

  But when you have a girl.

• 29:34Caleb Hammer?

  But I get them a McFry.

• 29:35Speaker 03

  When you have a girl and they make comparatively to you, almost nothing. You don't want to put them in like the same lifestyle you have.

• 29:43Caleb Hammer?

  And in marriage and engagement or really far into the relationship. Not an chick who's squishing crickets.

• 29:50Speaker 03

  Okay, like I said, that one I didn't, I, that was a six month thing. It was on and off. That one wasn't as serious as my most recent one.

• 29:57Caleb Hammer?

  So what's your current living situation then? What at least do we live in? If you're just breaking up with everyone endlessly, we're living alone finally.

• 30:03Speaker 03

  So yeah, I live alone. I have an apartment in San Antonio. It's a two bedroom. One of the bedrooms are my lab.

• 30:08Caleb Hammer?

  And when was your last breakup?

• 30:10Speaker 03

  Two months ago.

• 30:11Caleb Hammer?

  Did that push you to this apartment?

• 30:12Speaker 03

  No, so I actually, I, the one before this was a lot cheaper and I was gonna stay in there. But with her, we, she ended up moving in with me pretty early on.

• 30:20Caleb Hammer?

  But you just broke up?

• 30:21Speaker 03

  Yeah, we just broke up. That was like a year and a half ago.

• 30:24Caleb Hammer?

  Let's see her.

• 30:24Speaker 03

  Okay.

• 30:25Caleb Hammer?

  Let's see what he pulls.

• 30:26Speaker 03

  I have pictures of her.

• 30:27Caleb Hammer?

  Let's see what he pulls. I don't like, if, if what I said, I've had a lot of sex, sounds weird. I have pictures of her also sounds very weird.

• 30:35Speaker 03

  I don't, well, not like that, what the fuck? You know, this is recent, I haven't deleted them, but I don't pull. Let's make that very clear. I have no game.

• 30:42Caleb Hammer?

  He's really bringing the expectations down. But she's cute, but give me more pictures.

• 30:47Speaker 03

  Okay.

• 30:48Caleb Hammer?

  Maybe on Instagram or something like that's, but I find like, you know, just like the morning messy look cute. So like almost anyone would look cute in that.

• 30:57Speaker 03

  A lot of my pictures of her are like that.

• 30:59Caleb Hammer?

  Just bring up her Instagram.

• 31:00Speaker 03

  I'm blocked on Instagram.

• 31:02Caleb Hammer?

  You're blocked? Why do you always have bad breakups? I've never been blocked by, I've been blocked by one X.

• 31:07Speaker 03

  That's when we went on a date.

• 31:08Caleb Hammer?

  She's cute. What are you talking about?

• 31:11Speaker 00

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• 31:36Speaker 03

  Be careful going through my photos. You might see some shit you don't want to.

• 31:40Caleb Hammer?

  What would you have? There's no dickies.

• 31:43Caleb Hammer?

  You sit, are you saving dickies?

• 31:45Speaker 03

  No, I don't save dickies. You might forget to, or I don't know, there's weird shit in there.

• 31:50Caleb Hammer?

  What would be weird? Well, now I wanna look.

• 31:52Speaker 03

  No, what the, they'll do that. You're gonna see some weird shit.

• 31:55Caleb Hammer?

  What's weird to you? Tell me what weird is before I stumble upon something.

• 31:59Speaker 03

  I don't know, you might see some fucking personal shit. I don't know. Some, I don't know, me and her. I don't know.

• 32:07Caleb Hammer?

  I don't know what I'm looking at. They're wires. Okay, here she is again. No, she's cute. You pull okay?

• 32:13Speaker 03

  I don't pull. I don't pull. They come to me and I don't know how it happens, it just does.

• 32:19Speaker 03

  I have no game. I'll admit that openly. Zero game. You know how I got her?

• 32:27Speaker 03

  What the fuck is that? Oh, oh, that's my shit pic, yeah.

• 32:32Caleb Hammer?

  This is actually, I would say, one of the most boring camera rolls I've ever gone through.

• 32:37Speaker 03

  Oh, it's not boring. Those texts are exciting. You know how much China would pay for that shit?

• 32:40Caleb Hammer?

  Cats.

• 32:41Speaker 03

  My cats are adorable.

• 32:43Caleb Hammer?

  They are adorable, but it's not weird. I was hoping to see like a line of

• 32:47Speaker 03

  No, I don't, I don't, that's actually a talking point of why we broke up.

• 32:50Caleb Hammer?

  No, she's cute. Oh, tell me.

• 32:52Speaker 03

  So, she had a problem with, and I told her, I've had a lot of, I lost my friend to it, my mom was

• 32:59Caleb Hammer?

  Lost your friend?

• 33:01Speaker 03

  He's not dead, he went schizophrenic, and now he's homeless and just on the streets.

• 33:06Caleb Hammer?

  Geez, and you think that was because of

• 33:07Speaker 03

  I know it was because he lived with me and I watched it happen.

• 33:10Caleb Hammer?

  It does lead to higher chances if you're doing those kind of drugs when really young.

• 33:13Speaker 03

  But with her, and dude, it's so bad. I told her when we got together, I said, "You can't be with me, Andy." And there was like, constant, every time she would go home, she would end up doing it, it would cause issues, she would do something.

• 33:23Caleb Hammer?

  Every time you guys went home, she was snorting?

• 33:26Speaker 03

  No, no, no, no, no. She went to her hometown.

• 33:28Caleb Hammer?

  What with her family? She was like, let me get some

• 33:31Speaker 03

  With her ratchet ass friends that are over there and I would always

• 33:34Caleb Hammer?

  Why would you stay with a

• 33:35Speaker 03

  Well, that's the thing.

• 33:36Caleb Hammer?

  Just flat out, why would you?

• 33:37Speaker 03

  So she kept, she would go like three, four months without doing it. She would go back home with her ratchet ass friends and she would say, we're not gonna do it. And then she ended up doing it. But the reason we broke up was because of alcoholism. She would like be get super drunk and go on these like four to five hour tirades of just like talking, throwing, breaking. She keyed my Jeep, poured water in my bed, smashed my alarm. Yeah, bro.

• 34:01Caleb Hammer?

  So to confirm you broke up with her?

• 34:03Speaker 03

  Yes.

• 34:03Caleb Hammer?

  Good, cuz she sounds like a crazy

• 34:06Speaker 03

  You know why she keyed my Jeep?

• 34:07Caleb Hammer?

  Why'd she key your Jeep?

• 34:08Speaker 03

  So we went out to get some food and I was closing out with the barkeep, you know, getting a couple beers. I tipped $4 on a $21 bill. And she said that I was showing the chick bartender special treatment and that's what led to that.

• 34:20Caleb Hammer?

  $4 is special treatment?

• 34:22Speaker 03

  That's what the I said, bro.

• 34:24Caleb Hammer?

  How much was she spending on?

• 34:25Speaker 03

  That's what I wanna know cuz also she barely worked, so that was all my money.

• 34:30Caleb Hammer?

  Boring camera. Okay, well, I'm wrapping it up cuz I've scrolled forever. I didn't get to see, there wasn't one weird thing. See a line of a thing, like that would have been incredible. All right, what do you think your financial score is? 0 to 10, 0 being the absolute worst, 10 being the absolute best?

• 34:43Speaker 03

  I'mma go with a 2. Just because I have some in 401k and I have a decent income.

• 34:49Caleb Hammer?

  Income doesn't really, you can be making a low income and still be in a good financial place. It's what you can be, you can make millions of dollars a year and be absolutely beyond

• 34:59Speaker 03

  If income doesn't count, then I'd say 1.

• 35:01Caleb Hammer?

  Okay, if you want your Hammer financial score, see where you stand in the world of finances at CalebHammer.com. Take the assessment. It is free. And you will see where you need to improve, where you're doing well. So take it, why not? And if you don't wanna be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app, my preferred budgeting app. It is great. Tens of thousands of people have changed their lives with it. You can take a free trial and if you like it, sign up for the annual version to save a lot of money. And when you do, only for about a month or two left, I will sign my budget friendly cookbook mailed directly to you and then it's gonna go away forever. You giggling?

• 35:32Speaker 03

  Yeah.

• 35:33Caleb Hammer?

  Get giggling at.

• 35:34Speaker 03

  Your cookbook, bro, it's funny.

• 35:36Caleb Hammer?

  Why?

• 35:36Speaker 03

  You look so cute.

• 35:37Caleb Hammer?

  What? Oh, this is, this is the big car.

• 35:40Speaker 03

  Dun dun dun. Yeah, that's the Jeep.

• 35:44Speaker 03

  It has been a nightmare.

• 35:46Caleb Hammer?

  For?

• 35:46Speaker 03

  Yeah, it's entirely your fault.

• 35:47Caleb Hammer?

  And none of your own actual

• 35:51Caleb Hammer?

  Decisions.

• 35:52Speaker 03

  I'm just saying, you know.

• 35:53Caleb Hammer?

  Cause you chose to put a bunch of money into it before you got your truck.

• 35:57Speaker 03

  Yeah. I put in almost $8,000.

• 36:01Caleb Hammer?

  That was your choice.

• 36:02Speaker 03

  Yeah, fixing it and trying to get it right. And then I was gonna sell it and get a loan for the difference. Yeah.

• 36:08Caleb Hammer?

  Cause you're still putting more money into it to bring it to a place where you can sell instead of just, okay, cut our loss and let's just focus on paying on the debt.

• 36:14Speaker 03

  Yeah.

• 36:14Caleb Hammer?

  How much, for every dollar you put in, how much, how many dollars are going towards the actual sales price, right?

• 36:20Speaker 03

  Well, I looked it up online and as it is now, I have a couple more things to do. I have to fix the key from the Latina. But um.

• 36:29Caleb Hammer?

  Latinas love keying cars.

• 36:31Speaker 03

  I don't know why, bro. I'm like, I'm glad you didn't do it to the truck. I was like, okay, you didn't do it to the truck. But yeah.

• 36:37Caleb Hammer?

  They're taking advantage of the flexible motion that they have before they hit 25.

• 36:41Speaker 03

  God damn it. Turn into the torta.

• 36:46Caleb Hammer?

  I've been to San Antonio.

• 36:52Speaker 03

  No, definitely. Yeah, she was hardcore with it. And the worst part was I had to wake up from work the next day. And she was yelling at me until like 2, 3 in the morning. And that's whenever she poured water all over the bed, so I couldn't go to sleep and she.

• 37:02Caleb Hammer?

  Why were you with this woman? I've never been with someone that has done 1% of these things.

• 37:08Speaker 03

  And then she, she punched me in the head twice. She.

• 37:12Speaker 03

  Yeah, she threw all my shit, broke it, smashed my alarm clock. I can't, you can't. She. She blocked me on there. She just didn't want to talk to me.

• 37:20Caleb Hammer?

  I have a phone.

• 37:23Speaker 03

  She doesn't want to talk to me, bro.

• 37:24Caleb Hammer?

  She won't. I will.

• 37:27Speaker 03

  Bro.

• 37:28Caleb Hammer?

  That'll be fun. Stay tuned for that.

• 37:30Speaker 03

  She made it clear. I don't know. I don't even want to with it anymore. I'm just kinda tired of that, of women in general. I'm good on them. You know what I mean?

• 37:37Caleb Hammer?

  You're going men.

• 37:38Speaker 03

  You know, I was actually joking in the, when we were in the green room. I was like, it'd be so much easier if I was gay. One of my, like, day one.

• 37:45Caleb Hammer?

  Talking to very gay Colton.

• 37:47Speaker 03

  Yeah, one of my, one of my day one homies, my gummy, if you will. He's married now and I was talking to him and I was like, damn, bro. I wish I could switch teams. It'd be so much easier.

• 37:57Caleb Hammer?

  Sticking it to dude. I don't know. Why not?

• 38:00Speaker 03

  I'm good on that, but unfortunately.

• 38:02Caleb Hammer?

  Homophobe Colton, I'm sorry.

• 38:02Speaker 03

  That's right. I'm sorry. It's just, I hate y'all so much.

• 38:05Caleb Hammer?

  What's the interest rate on this card?

• 38:07Speaker 03

  Uh, on that one, it's gonna be eight percent.

• 38:10Caleb Hammer?

  That was also not my fault, nor did I ever say to go get an eight percent loan.

• 38:14Speaker 03

  What, seven or eighteen? I forgot.

• 38:15Caleb Hammer?

  You got this a couple of years ago.

• 38:17Speaker 03

  Yeah, yeah. I, I, I don't know. That was the lowest interest rate I could get.

• 38:20Caleb Hammer?

  Probably about six percent is what you would have gotten.

• 38:22Speaker 03

  Yeah, but that, uh, I was only on my income. I was, I'd never had, uh, my parents' car insurance or anything for history. And so, I don't know.

• 38:30Caleb Hammer?

  Insurance for history?

• 38:31Speaker 03

  Uh, like, um, most people are on their parents' car insurance when they're like sixteen to eighteen.

• 38:35Caleb Hammer?

  Why weren't you?

• 38:36Speaker 03

  So they have a history. I'm not cool with them. And.

• 38:39Caleb Hammer?

  Why aren't you cool with them?

• 38:40Speaker 03

  It's a lot, bro. Okay, so my mom took us everywhere growing up, you know, place to place, place. We moved every like eight to eight months to a year. And we were never, ever stable anywhere. And so, everything I've done and everything I've built has all been with just me. So she was always kinda just like a place I stayed sometimes. And it would just be.

• 39:00Caleb Hammer?

  Such weird dynamics with everyone. Is it not an odd thing that every single person you've had an interaction with in like a more close relationship, family and girlfriends, everything ends up in crash out blocks?

• 39:12Speaker 03

  Yeah, it sucks pretty hard. Except my day one homies. Those guys are ride or die.

• 39:16Caleb Hammer?

  Uh huh. For now, you're twenty-one.

• 39:18Speaker 03

  Yeah, well, I've known them since sixth grade. They're cool.

• 39:20Caleb Hammer?

  You're twenty-one for now.

• 39:22Speaker 03

  Yeah. I don't know.

• 39:23Caleb Hammer?

  Trust me, life comes.

• 39:24Speaker 03

  I mean, I rock solo down here. They're all far away.

• 39:27Caleb Hammer?

  Exactly.

• 39:28Speaker 03

  I rock solo here in San Antonio and I gotta say, like, I'm in my best when I'm alone. Like, um, ever since the breakup, I've been doing a lot better.

• 39:36Caleb Hammer?

  You owe thirteen thousand, seven hundred, thirty dollars and fifteen cents on this. Eight percent interest rate, three hundred eighty-six dollars, thirty-six cent minimum monthly payment.

• 39:43Speaker 03

  Mm-hmm.

• 39:44Caleb Hammer?

  It ain't cheap.

• 39:44Speaker 03

  No, it's not, but.

• 39:45Caleb Hammer?

  For your income, that's certainly okay, but it's just sitting there doing nothing.

• 39:48Speaker 03

  Yeah.

• 39:49Caleb Hammer?

  So you looked at, okay, if I do this, if I do this, I can sell. What's the number you're seeing?

• 39:53Speaker 03

  So I think I can get about eight K for it, once I finish this last.

• 39:56Caleb Hammer?

  After you already put in eight?

• 39:58Speaker 03

  Yeah. And then, uh, I can't get a loan for the difference.

• 40:00Caleb Hammer?

  See, this is, again, if you listen to the show, if you listen to any of the other people, you would have known that, okay, maybe if you owed thirteen thousand on this and it costs eight to sell for eight.

• 40:13Speaker 03

  Well, that was like a year ago.

• 40:14Caleb Hammer?

  Cut your loss. Cause you got the truck already anyway. How much more do you have to put into it to bring it into the, bring it up to that?

• 40:21Speaker 03

  To bring it to where I can sell it?

• 40:23Caleb Hammer?

  To eight, yeah.

• 40:24Speaker 03

  Okay, so it's

• 40:25Caleb Hammer?

  How much more money?

• 40:26Speaker 03

  Oh, it's gonna be about 500 bucks.

• 40:27Caleb Hammer?

  Okay.

• 40:28Speaker 03

  300 for the paint and then 200

• 40:30Caleb Hammer?

  Do it and get rid of it.

• 40:32Speaker 03

  Yeah, that's my current plan. I've been trying for a while, but uh, I'm just now finally about to. I just gotta pay it down some more before I can sell it.

• 40:39Caleb Hammer?

  600, okay, so it's your fourth.

• 40:41Speaker 03

  That's the truck.

• 40:42Caleb Hammer?

  And this is much more expensive.

• 40:44Speaker 03

  Yeah, it is. And I gotta be honest, this was a little bit, or a lot of it, of a what I want purchase. I've always wanted a Ford Ranger.

• 40:51Caleb Hammer?

  Why?

• 40:52Speaker 06

  See, you may be big and shit, but you ain't no fucking Ford fucking Ranger.

• 40:55Speaker 03

  Well, when I was a kid, I grew up in East Texas and so, you know, it's like everyone has trucks. And I just really liked the Ford Rangers.

• 41:03Speaker 03

  They're sick. It's like a tiny truck. You get good gas mileage, but all the benefits of a truck.

• 41:07Caleb Hammer?

  Okay, well, you owe 33,723 dollars on it. What do you think it's worth?

• 41:11Speaker 03

  I, I think it's worth, I looked it up on um, Kelly Book Book. I think it's worth about 28.

• 41:15Caleb Hammer?

  What, what are you getting? What did we do? We have 16,188 dollars.

• 41:20Speaker 03

  Oh, um, y'all probably don't have all the packages, right?

• 41:23Caleb Hammer?

  Okay, so 20?

• 41:25Speaker 03

  20?

• 41:26Caleb Hammer?

  Is that what you said you saw?

• 41:27Speaker 03

  No, 28.

• 41:27Caleb Hammer?

  28? Really? Are you sure?

• 41:29Speaker 03

  Yeah, because um, it's the Ford

• 41:31Caleb Hammer?

  The package just brought it up that much, over like 12,000.

• 41:35Speaker 03

  It's the XLT with a tunnel cover, with a slight lift.

• 41:38Caleb Hammer?

  We would have it.

• 41:39Speaker 03

  Oh.

• 41:40Caleb Hammer?

  We did his VIN, right? Oh, you didn't send a VIN, we always

• 41:43Speaker 03

  Oh, that's my fault. Um, but yeah, I looked it up and it was about 28, but this I wanna keep. And

• 41:50Caleb Hammer?

  That's fine. I mean, with your income situation, if it was just this, we can deal with it.

• 41:53Speaker 03

  Yeah, so that's your plan.

• 41:54Caleb Hammer?

  But you got the old Jeep that you put more money into than you'll ever get back. And we have credit cards galore that we're about to go into.

• 42:00Speaker 03

  Well, the credit cards

• 42:02Caleb Hammer?

  So if it was just this, I would agree for your income, it's fine.

• 42:04Speaker 03

  Yeah, well, I, the reason I'm not worried about the truck is I'm gonna get rid of the Jeep pretty soon. I just gotta pay it down. And then the credit cards are what my main focus is right now. So the plan is credit cards, Jeep, and then

• 42:16Caleb Hammer?

  Yeah, you spent everything you made.

• 42:18Speaker 03

  Well

• 42:19Caleb Hammer?

  Basically to the dollar. You didn't necessarily overspend, but you didn't underspend either. So, what's the interest rate on this?

• 42:25Speaker 03

  Uh, that one I refinanced to 9%. It was at 13.

• 42:29Caleb Hammer?

  Yeah, because your debt to income, well, your debt to income is not maybe the most horrendous in the world. It's probably not great, but the thing is you do have bad debt and a lot of it.

• 42:39Speaker 03

  And it was worse.

• 42:39Caleb Hammer?

  Probably young credit because you have so many cards you've opened.

• 42:42Speaker 03

  You'll see, it was, my credit was a lot.

• 42:45Caleb Hammer?

  Nine's insane.

• 42:45Speaker 03

  My, my total credit, like, usage was a lot worse than.

• 42:49Caleb Hammer?

  Six percent right now.

• 42:49Speaker 03

  I don't know, a 21 year old can get six percent?

• 42:51Caleb Hammer?

  21 year old, you're right, that is hard, but you're making it even harder by opening all these accounts, making your credit age so low.

• 42:57Speaker 03

  It was, it was, it was like an extra 5K.

• 42:58Caleb Hammer?

  And you have substantial debt.

• 42:59Speaker 03

  Yeah, uh, I, it was a lot worse, uh, I paid it down and so I might be able to refinance again here soon, we'll see.

• 43:06Caleb Hammer?

  Nine percent, I'd wait, I'd wait for rates a little more.

• 43:09Speaker 03

  Yeah, so I was really happy to refinance though, um, I did keep the payment the same, uh, you can probably tell. Um, but at nine percent took off a lot of time, so I was really happy with that.

• 43:19Caleb Hammer?

  Yeah, yeah, it's, uh, $630.34.

• 43:23Speaker 03

  Mm-hmm, it's not too bad, honestly, the, the insurance is a little high, uh, it's 330, which is probably pretty average for my age group. The Jeep insurance was $480 at one point though, and that was monstrous, that sucked, it was more than the payment.

• 43:37Caleb Hammer?

  Yeah, and the minimum monthly payment's chunky too, because when we add these both together, we're talking, we're at like a thousand bucks a month.

• 43:43Speaker 03

  And then the insurance is 300.

• 43:45Caleb Hammer?

  Now luckily you're bringing in 82, because you need to bring in all your income.

• 43:48Speaker 03

  Yeah.

• 43:48Caleb Hammer?

  You really do.

• 43:49Speaker 03

  And luckily the income too is, uh, it's one of those things that I'm able to control a lot, so like if I'm low one month, I can work more and make more money.

• 43:57Caleb Hammer?

  Why aren't you always making more money?

• 43:58Speaker 03

  I am.

• 43:59Caleb Hammer?

  Pay off your debt close, what? No, you just said you can make more.

• 44:02Speaker 03

  Yeah, I mean, I have down months, I have down months where I'm like.

• 44:06Caleb Hammer?

  Wait, why is it down?

• 44:07Speaker 03

  Well, like that month, for example, is going through a breakup.

• 44:08Caleb Hammer?

  If you can make more, why?

• 44:10Speaker 03

  I am.

• 44:11Caleb Hammer?

  What do you mean? Well, why is there a down month then?

• 44:13Speaker 03

  Well, I was depressed after the breakup.

• 44:14Caleb Hammer?

  Oh dude, just literally download Grindr and stick it in a hole, you'll be so happy.

• 44:19Speaker 03

  Dude, no, okay, hold on, I have, Tinder is cursed, okay, I'm gonna tell you that right now, that shit is cursed, that's what led to that [BLEEP] chick. And, oh man.

• 44:27Caleb Hammer?

  Dude, no, swipe on Tinder, stick it in, have yourself a couple rebounds and get back out there.

• 44:33Speaker 03

  I've been burnt so many times, bro, I'm tired of women.

• 44:34Caleb Hammer?

  I'm not saying go out there and date, I'm saying go out there and [BLEEP].

• 44:37Speaker 03

  Ah, see, that's how you actually get an STD, that's nice.

• 44:39Caleb Hammer?

  With a condom on or people that you trust.

• 44:42Speaker 03

  I'm supposed to trust the one you meet on Tinder?

• 44:43Caleb Hammer?

  Huh? Well, build that relationship, then take it off.

• 44:46Speaker 03

  Yeah, I guess so, but, um, I don't know, I'm just obsessed on women right now.

• 44:50Caleb Hammer?

  Then, like I said, download Grindr, but that's an even quicker way to STD. Better than sniffies.

• 44:55Speaker 03

  Yeah.

• 44:58Caleb Hammer?

  You know sniff?

• 44:58Speaker 03

  Huh?

• 44:59Caleb Hammer?

  You know the sniff?

• 45:00Speaker 03

  I thought you were talking about

• 45:03Caleb Hammer?

  Uh, no, but Grindr and goes very well together.

• 45:06Speaker 03

  Oh, wow. That's a statement.

• 45:08Caleb Hammer?

  What's this?

• 45:09Speaker 03

  Oof. The AT&T phone, yeah, so that one's... Okay, so this credit card-

• 45:16Caleb Hammer?

  Phone? You have a credit card?

• 45:17Speaker 03

  Okay, let me explain-

• 45:18Caleb Hammer?

  What?

• 45:19Speaker 03

  Back up. So, I got this card when I was with AT&T, right? And they were doing a promo, "Hey, pay your bill through this credit card, and you'll get $20 a month off your bill. Tight." And so I got that, and then what ended up happening is, the Jeep repair came up. And that is the card that actually put the engine on. And that's where a majority of that comes from, and then, um... Yeah, it's been really weird. I switched to T-Mobile, and there's more complications with that that we can talk about.

• 45:43Caleb Hammer?

  Bring it up, on your phone.

• 45:45Speaker 03

  Bring what up?

• 45:45Caleb Hammer?

  This, because he didn't send a statement, he sent a screenshot.

• 45:48Speaker 03

  Oh, my fault.

• 45:49Caleb Hammer?

  Someone who watches finance YouTubers doesn't know how to-

• 45:51Speaker 03

  Well, there, I don't think there was-

• 45:53Caleb Hammer?

  Use those apps.

• 45:53Speaker 03

  No, I don't think there was anything on there is why. Here you go.

• 45:56Caleb Hammer?

  No, you can download statements. There's monthly statements, big guy. There are monthly statements.

• 46:00Speaker 03

  Yeah. But I'm not with AT&T anymore, I switched to T-Mobile.

• 46:04Caleb Hammer?

  That's exciting.

• 46:05Speaker 03

  Yeah, but, um-

• 46:07Caleb Hammer?

  Okay, so balance has not really changed. Haven't really done any much, even though you said this is your focus.

• 46:12Speaker 03

  Well, I'm doing the snowball.

• 46:13Caleb Hammer?

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• 46:59Speaker 00

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• 47:24Caleb Hammer?

  Full spectrum of micronutrients from Whole Foods. And when stress wrecks my habits, AG1's got prebiotics, probiotics, and enzymes to help keep my gut and life regular. It has been so great for my immune health and would be great for yours as well. So head to drinkag1.com/caleb to get a free welcome kit with an AG1 flavor sampler and a bottle of vitamin D3 plus K2 when you first subscribe. Let's get back to the episode. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account

• 48:07Caleb Hammer?

  and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money, I get money. Enjoy. Links are in the description below. $5,309. Minimum monthly payment of $157.98. Again, we're talking someone who made $120,000, $110,000 junior, senior year of high school. Yeah, and I made more after that. This is what we have and this is what we have today. Yeah.

• 48:51Caleb Hammer?

  That's insane. Yeah, I know. There's a lot of bad decision making. See how I just clicked view statements? Yeah. Yeah, that's how you do it. So if you come on the show, calebhammer.com/apply, actually send a statement. Well, there wasn't anything on there. Yes, there is. There's interest accruing. Yeah. $113.79. I get the total, just like look of a year. Making minimum. How long do you think this takes to pay off minimum monthly payments only without any purchases?

• 49:18Speaker 03

  113 minus 137, so 44, um, roughly 120 months, so 10 years.

• 49:26Caleb Hammer?

  16 years with interest.

• 49:27Speaker 03

  I did the math wrong.

• 49:28Caleb Hammer?

  16, you did the math wrong.

• 49:30Speaker 03

  Math competitions work for nothing.

• 49:32Caleb Hammer?

  Thousand hours in interest this year so far. My year's end, that'll be close to two on one card alone. One out of many that we're gonna go through.

• 49:38Speaker 03

  That is my highest one.

• 49:40Caleb Hammer?

  But barely, cuz there's many close to it.

• 49:42Speaker 03

  It's, it's rough. Um, yeah, that, that one is probably gonna, that's a rough one.

• 49:47Caleb Hammer?

  What, then you wanna start a company soon?

• 49:49Speaker 03

  No, no, no. Uh.

• 49:50Caleb Hammer?

  Oh, I'm being told he wants to leave the zoo job in here and start a robotics company soon.

• 49:54Speaker 03

  I do, I do. I wanna do that after I pay off my credit cards, so, or probably.

• 49:57Caleb Hammer?

  And have a year worth of emergency fund in a minimum if you're going to the world of starting a business.

• 50:02Speaker 03

  Yeah, I'll probably do that next summer.

• 50:04Caleb Hammer?

  What? What?

• 50:06Speaker 03

  What do you mean?

• 50:06Caleb Hammer?

  In what way? You're not paying off debt?

• 50:08Speaker 03

  You don't think so?

• 50:09Caleb Hammer?

  I don't see any indication of.

• 50:12Speaker 03

  Oh, okay. Um, no, yeah, I reckon I'll be done with the credit cards by like January and then I'll get my bonus.

• 50:18Caleb Hammer?

  In what way?

• 50:19Speaker 03

  I mean, we can go over the numbers. I, I.

• 50:21Caleb Hammer?

  We are right now. I don't see it. And you'll have a full 12-month emergency fund?

• 50:26Speaker 03

  No, I won't have a 12-month emergency fund now. Um, I'll probably have like a 36.

• 50:30Caleb Hammer?

  Which by the way, I know the little savings emergency fund you have right now was completely blown yesterday.

• 50:36Speaker 03

  Yeah, okay, so.

• 50:37Caleb Hammer?

  Buddy, booze, women, friends, that's where all your hundreds of thousands you've made in your young life have gone.

• 50:45Speaker 03

  And family.

• 50:45Caleb Hammer?

  And I'm to, and to family, I guess, even though you say you're not close to them. And I'm to believe that all these credit cards, this will be paid off?

• 50:53Speaker 03

  I'm in a, I'm in that mode, bro.

• 50:55Caleb Hammer?

  And a 12-month emergency fund after that? Locked in for a second, big guy. You're, you're zinned up and you're gone. You're gonna find another flap. You're gonna dive head in as you always have done.

• 51:04Speaker 03

  See, this is what my homies were telling me. They're telling me to not include women until I pay this off. And I was like, this is looking good idea.

• 51:10Caleb Hammer?

  Sure, until you don't. Like you said, you and I have the same problem.

• 51:13Speaker 03

  Yeah.

• 51:14Caleb Hammer?

  We like women. Whoops.

• 51:18Caleb Hammer?

  You will fall back in.

• 51:19Speaker 03

  God damn it.

• 51:20Caleb Hammer?

  Luckily, I'm locked in, locked down.

• 51:22Speaker 03

  Yeah.

• 51:22Caleb Hammer?

  With a good one, too.

• 51:23Speaker 03

  She cost you a lot?

• 51:24Caleb Hammer?

  No.

• 51:25Speaker 03

  Really?

• 51:26Caleb Hammer?

  No.

• 51:26Speaker 03

  Okay.

• 51:28Caleb Hammer?

  We live together, but no. I mean, anything I do, she just does with me. So I guess, yeah, sure, if I'm going out to eat, it's double now, but that's not like crazy.

• 51:36Speaker 03

  Oh dude, that was a big thing is whenever I finally switched from eating at home, because the original deal was since she wasn't working, she was gonna like cook and clean. That was like, you know, a pretty good deal.

• 51:45Caleb Hammer?

  The [BLEEP] head?

• 51:46Speaker 03

  Yeah.

• 51:47Caleb Hammer?

  Okay.

• 51:47Speaker 03

  Well, she, I wouldn't call her [BLEEP] head. Well, I mean, yeah, but.

• 51:50Caleb Hammer?

  She was a [BLEEP] head.

• 51:51Speaker 03

  She relapsed like four times in the course of a year and a half.

• 51:55Speaker 03

  Yeah. It was really hard, though. It was emotional. It was really rough. These bad habits and stuff, I felt like were, you know, eating out. Every month I was spending like over a thousand dollars eating out on bullshit. Uh, you know, for two people, covering everything she needs covered, which, you know, is obviously not her. I should have not done that, but now I'm in that mode. I'm locked in. I'm gonna get this shit done.

• 52:18Caleb Hammer?

  I hope so. Temporary. We can all get locked in for a day, a week, a month.

• 52:22Speaker 03

  I've done this before.

• 52:22Caleb Hammer?

  You have, and that doesn't scream, okay, great, because that means we're not learning our lessons. We're not doing anything. We'll be here again. So that's why I'm just a little nervous. And again, if you blew your emergency fund yesterday.

• 52:33Speaker 03

  Oh, yeah, about that. So I was doing the Dave Ramsey band and then, you know, payoff debt.

• 52:37Caleb Hammer?

  Why would you do that?

• 52:38Speaker 03

  A thousand dollars and then payoff debt?

• 52:39Caleb Hammer?

  A thousand dollars is not even close to enough.

• 52:41Speaker 03

  Well, because I know it's not, but what I'm saying is.

• 52:43Caleb Hammer?

  Anytime, uh, people have been on this show throughout the three years that have done the one thousand dollars and then they end up in more debt than they were before they saved up a thousand. No, one month emergency fund or the Money Guy rule. Do you watch them?

• 52:55Speaker 03

  Yeah, I watched you on that.

• 52:56Caleb Hammer?

  Okay, okay. Well, watch the Money Guy, too. They're good. They do highest deductible. Because a thousand dollars is nothing. He just hasn't changed it for decades. And now their argument, because they want to stick to the rules in order to sell their stuff.

• 53:06Speaker 03

  Yeah.

• 53:06Caleb Hammer?

  Is that, well, it's because it's just about changing behavior and getting a W. Doesn't matter. More people, you end up with worse debt in the end.

• 53:14Speaker 03

  Yeah.

• 53:15Caleb Hammer?

  Because no emergency is less than a thousand dollars and then you end up in more debt. So get that, get that highest deductible. Highest deductible or a month, whatever you want to do.

• 53:24Speaker 03

  I was gonna do, I was gonna.

• 53:25Caleb Hammer?

  Well, either way, you blew it. Where?

• 53:27Speaker 03

  Oh, so I didn't, I didn't spend it. My homie is going to police academy and he's a newlywed, so he's down bad for cash right now. And, uh, last minute, they dropped on him some big expenses and so I spotted him.

• 53:41Speaker 03

  He's never asked for money before.

• 53:42Caleb Hammer?

  It's an emergency fund, though. You can give, when you have more to give, that's when I do it. Now you're [bleep] if something pops up.

• 53:48Speaker 03

  Well, no, I'll be straight. Next week, I'll put it back, but...

• 53:52Caleb Hammer?

  You'll put it back with your income, maybe. Based on the spending, I'm a wolf, you see. But two, what about, does he owe it back to you?

• 53:58Speaker 03

  Yeah, he said he's gonna get me back. I told him, you know, well, just let me know when we're gonna do it. But, uh, he's always been cool with me and he's never borrowed money from me before. I trust him.

• 54:07Caleb Hammer?

  I hope so. It's not about trust or if he can pay it back. That's all you had to your name. If something happens tomorrow, you're done.

• 54:14Speaker 03

  Well, I still have money in my account.

• 54:16Caleb Hammer?

  How much?

• 54:17Speaker 03

  Uh, like a thousand dollars total?

• 54:19Caleb Hammer?

  Thousand, like I said, does nothing. What do you think an emergency is? It's not a bill.

• 54:23Speaker 03

  True, but I don't know. Um, my other car is running. I'm good on the car. I had, I feel like I've had every possible bad thing that can happen this year. Like, I should be maxed out.

• 54:33Caleb Hammer?

  This is the thing.

• 54:35Speaker 03

  Yeah.

• 54:36Caleb Hammer?

  Nothing feels scary.

• 54:37Speaker 03

  Yeah.

• 54:38Caleb Hammer?

  When you haven't had an emergency before.

• 54:40Speaker 03

  I have. I've had all of them, bro. I had the dog surgery. I had the someone die.

• 54:45Caleb Hammer?

  Then having a thousand should terrify you. Then having a thousand should terrify you. It really should.

• 54:51Speaker 03

  I, I guess I'm just jaded from it.

• 54:52Caleb Hammer?

  Hey, Citi, pull up this. This is a double cash flow.

• 54:55Speaker 03

  Yeah, it's the same. You can just swipe on here. It's on the same app. Uh, see, there you go.

• 55:02Speaker 03

  But, yeah, so that one, it was also car repairs?

• 55:05Caleb Hammer?

  His balance went up, by the way, since the statement you gave us.

• 55:08Speaker 03

  It went up?

• 55:08Caleb Hammer?

  Oh, wait, no, it didn't. No, it didn't. It's about the same. Okay. Three thousand, two hundred eighty-seven dollars and fifty-six cents.

• 55:15Speaker 03

  Yep.

• 55:16Caleb Hammer?

  Minimum monthly payment of ninety-one eleven.

• 55:20Speaker 03

  Hmm, yeah, those minimums get me, man. They always hit at the worst times.

• 55:23Caleb Hammer?

  Yeah, cuz you're putting everything on credit cards and this makes no sense of how you've lived your life and went from the most blessed position anyone could ever imagine to being...

• 55:33Speaker 03

  Well, I was [bleep] blessed. I'd say I took it myself, but, um...

• 55:36Caleb Hammer?

  Well, yeah, but you can, it's okay to be humble.

• 55:39Speaker 03

  Well, no, that's the thing is...

• 55:40Caleb Hammer?

  Twelve years to pay it off minimum. What?

• 55:43Speaker 03

  I was gonna say, like, what you said, like, I had every possible bad thing happen, happen during those times, like...

• 55:51Caleb Hammer?

  Not everything, but...

• 55:52Speaker 03

  Pretty much.

• 55:53Caleb Hammer?

  You had some bad things. Listen, this will be a thousand a year in, uh, a thousand this year in interest by the, so now we're at about three thousand.

• 56:02Speaker 03

  How is that one the same as the other one? That's crazy.

• 56:03Caleb Hammer?

  No, no, no, not a thousand this year so far by year's end. So we're talking three thousand dollars by year's end in interest.

• 56:09Speaker 03

  That's tough.

• 56:09Caleb Hammer?

  Yeah.

• 56:10Speaker 03

  No, but see on that one too.

• 56:11Caleb Hammer?

  Half of your month of income from your main job. And I guess you use this card for your robotics lab in your house?

• 56:16Speaker 03

  Yeah.

• 56:16Caleb Hammer?

  Ten to twenty thousand dollars?

• 56:18Speaker 03

  Oh, okay, okay, okay. So, the, the lab itself is ten to twenty K. Uh, my lab is so sick, bro, if you saw it, it's so awesome. But, I like to build robots and I build a lot of them all the time. It's a fun hobby and I actually made you a robot.

• 56:34Speaker 03

  It's in my bag.

• 56:35Caleb Hammer?

  Alright, let's see it.

• 56:36Speaker 03

  Okay, okay, okay. And I put the little boo boo on just for you.

• 56:39Caleb Hammer?

  Oh my gosh, I didn't know you're a fucking...

• 56:41Speaker 03

  It's not mine.

• 56:42Caleb Hammer?

  The word, a word I don't want to say.

• 56:45Speaker 03

  Okay, so keep in mind, I only had four hours yesterday and I was left by like one.

• 56:48Caleb Hammer?

  You didn't know you were coming on the show, then that?

• 56:50Speaker 03

  Huh?

• 56:51Caleb Hammer?

  You didn't know you were coming on the show?

• 56:52Speaker 03

  I work a lot.

• 56:54Caleb Hammer?

  Okay.

• 56:54Speaker 03

  Okay, but see, uh, all this-

• 56:56Caleb Hammer?

  I have to plug it in?

• 56:57Speaker 03

  I only had time to do the essential parts, I was limited by print time.

• 56:59Caleb Hammer?

  It says hammer.

• 57:00Speaker 03

  Hammer dat dollar. Oh, shit, sorry. Yeah, yeah, it's incredible. Um, uh, the money.

• 57:10Speaker 03

  Yeah, yeah, yeah, yeah. So, this is kinda like my whole bit, is I just make stupid robotics and sometime I do make actual robotics for work.

• 57:18Caleb Hammer?

  This is what we're starting a business with next year?

• 57:20Speaker 03

  No, no, no, no. No, no, the business is not this. Okay, and?

• 57:26Speaker 00

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

• 57:53Speaker 03

  That's the whole bit.

• 57:59Caleb Hammer?

  To save you from heartbreak in the future, put your dick under there right now.

• 58:02Speaker 03

  Yeah, that probably would help my financial situation, remove the little head and think with the big one, but, we've all.

• 58:07Caleb Hammer?

  Yeah, you're right out of the show Silicon Valley from HBO.

• 58:10Speaker 03

  I don't know what that is.

• 58:11Caleb Hammer?

  You should watch it.

• 58:12Speaker 03

  Uh, I don't know.

• 58:13Caleb Hammer?

  Because you're like, that.

• 58:14Speaker 03

  What do you mean?

• 58:15Caleb Hammer?

  It's just all about you. You're every character in that show.

• 58:19Speaker 03

  How so? I don't know.

• 58:20Caleb Hammer?

  This.

• 58:20Speaker 03

  I like building stupid-

• 58:21Caleb Hammer?

  Well, I like, don't get the references, so I won't say it, but-

• 58:23Speaker 03

  No, uh, I have a lot of robotics and that's actually how I got into the job field that I'm in that is making the money, is, uh-

• 58:29Caleb Hammer?

  Yeah, I mean, I'm sure.

• 58:30Speaker 03

  My personal projects, it was a robot arm.

• 58:31Caleb Hammer?

  Yeah? Hey PayPal Credit, hey, you learned how to send a statement this time.

• 58:36Speaker 03

  Yep.

• 58:36Caleb Hammer?

  Really proud of you.

• 58:37Speaker 03

  That one had stuff on it. Yeah, so the PayPal credit card, um, that one I originally got out for the flights, uh, going back and forth to Vegas. And, uh, what I did was was kinda stupid. They had like a zero interest thing. Well, I thought, if it was work, did they not pay for it? No, it was for my girl. They paid for mine. I know. I should've said that we were married. Oh, fuck. But, yeah, and so, yeah, I would take her to Vegas with me and, yeah, it was a thing. But I would, I got my check from it and I was gonna pay that back, but it had zero interest. Instead, I paid another credit card. Two thousand, three hundred, sixty-three dollars, ninety-five cents. And there's some other bullshit on there, I'm not gonna lie. Minimum monthly payment, seventy-seven dollars. You got Peacock. Oh, I need to cancel that, bro. That was-

• 59:20Speaker 03

  Yeah, you do. It's Peacock. You should cancel it. But also, Peacock! You're spending on bullshit on a card you can't pay off that is accruing interest. That doesn't make sense. Yeah, so...

• 59:31Speaker 03

  Fifty-four dollars and eighty-two cents of interest accrued this month. I know, it's rough. Peacock, I need to cancel. I don't like Love Island. That's for my ex. But there is a purchase on there that you'll probably roast me for. I don't see it. What is it? Okay, so we were talking about it in the green room. I got scammed. I got swindled. I got bamboozled. I got false advertised. Tell. Okay, so what had happened was, um, cause I just gotta get it out there before you see it, is I was scrolling on IG, find she popped up and I was peeking my interest, and she was working, uh, integral, right? But in like a slutty dress. And I was like, that's pretty fucking cool. Wait, wait, wait. Intu- huh? Calculus. Oh, okay. Yeah, yeah. So that's like, I was like, this is pretty fucking cool. And she was like, if you wanna see me do this, but fucking naked, go on my-

• 1:00:15Speaker 03

  I've never been a fucking guy. I've never done it. But I didn't even get the goon to it. I got scammed, okay? I was straight up scammed, bro. I swear to God, I didn't even get to go- I go on there and I'm like, hell yeah, Shawty's about to solve a, you know, some equation. You didn't check the leak site first? I didn't, no, I should've. A real gooner knows to check the leak sites first. I'm new to OnlyFans. I'm, I know, I've never done that before. And so I subbed and it was just her tits. And I was like, well, this is fucking lame. Oh, you saw titty? Yeah, but she wasn't doing math. So I was like, this is pretty lame. Like, I'm just saying, ladies out there, if you wanna make some money, you know, maybe like, you know, calculate the resistance of a circuit while you're naked, throwing it back. Huh? Are they nice? I mean, their boobs are cool.

• 1:00:57Speaker 03

  I'm just saying, it would have been cooler if she was doing differential equations while doing it.

• 1:01:02Caleb Hammer?

  I agree. Did you go through all her videos to make sure?

• 1:01:05Speaker 03

  I scrolled a little bit, yeah. And I gotta be honest, I was duly disappointed. And I think I deserve a refund.

• 1:01:10Caleb Hammer?

  Yeah. You didn't come?

• 1:01:13Speaker 03

  No, I didn't.

• 1:01:13Caleb Hammer?

  What?

• 1:01:14Speaker 03

  Yeah, I didn't. I was really disappointed, because I was down bad, because you know, I was pressed after this breakup, you know, and I haven't had none in like two months.

• 1:01:24Caleb Hammer?

  That was always my reaction.

• 1:01:26Speaker 03

  Bruh.

• 1:01:26Caleb Hammer?

  And then I went once with these people.

• 1:01:28Speaker 03

  You sound like my coworker.

• 1:01:29Caleb Hammer?

  No, then I went with these people and it was, it was fun. I've always thought of it to be a smelly, horrible.

• 1:01:37Speaker 03

  That's what it is.

• 1:01:38Caleb Hammer?

  That place was smelly.

• 1:01:39Speaker 03

  Yeah.

• 1:01:40Caleb Hammer?

  For what it's worth, but.

• 1:01:41Speaker 03

  What the fuck is the point of going to a strip club?

• 1:01:43Caleb Hammer?

  And then I went with my girlfriend the next week. Yeah, yeah, we got lap dances together. You're joking. No, why would I?

• 1:01:51Speaker 03

  That's crazy work.

• 1:01:52Caleb Hammer?

  Can I just say I'm a gooner and then I don't goon in real life?

• 1:01:54Speaker 03

  She let you cuck her live? That's crazy work.

• 1:01:56Caleb Hammer?

  No, we cucked each other. We were next to each other.

• 1:01:58Speaker 03

  You like swingers?

• 1:01:59Caleb Hammer?

  She was making out with a woman grabbing tits.

• 1:02:01Speaker 03

  That's crazy work, bro.

• 1:02:03Caleb Hammer?

  Yeah, it was hot.

• 1:02:04Speaker 03

  Okay, I mean, that is kind of hot. We, we, we circle back to the lesbians. We like that. Glad we have common ground there.

• 1:02:10Caleb Hammer?

  Yeah. Um, so. So yeah, that's fine. Go to a strip club with your boys.

• 1:02:17Speaker 03

  Hmm, hard pass. I think I'll stay in my lab.

• 1:02:20Caleb Hammer?

  Brandon, Lindsay and I will take you to a strip club.

• 1:02:22Speaker 03

  I, bro, I don't want to go to the, okay, you're a financial guy. I would go, but.

• 1:02:26Caleb Hammer?

  You tell me you will not go with me. You're a fan of the show and you will not go hang out with me at a strip club.

• 1:02:32Speaker 03

  Ah, okay. How much money does it cost?

• 1:02:35Caleb Hammer?

  No, uh, we'll take care of it.

• 1:02:37Speaker 03

  If y'all pay for it, then I would consider it.

• 1:02:39Caleb Hammer?

  Yes, we'll cover the cover fee and we'll give you a hundred bucks in dollar bills.

• 1:02:43Speaker 03

  God damn it. Okay, okay, okay, okay. Baby, baby, baby. I got a Latina bias though, so that's gotta be noted. We might have to.

• 1:02:49Caleb Hammer?

  They're, they're very prevalent here. We're not that far from the border.

• 1:02:52Speaker 03

  Yeah, yeah, yeah.

• 1:02:53Caleb Hammer?

  In fact, some would suggest they're the vast majority. Because most of them cannot speak English. That's incredible.

• 1:03:01Speaker 03

  Y'all are lesbians.

• 1:03:02Caleb Hammer?

  Whether or not they're here legally, we do not know, but.

• 1:03:04Speaker 03

  Okay, we ball. I'm down for it.

• 1:03:06Caleb Hammer?

  They're there.

• 1:03:07Speaker 03

  Dude, that's the most fucked up thing Trump's done. I'll be dead ass. He's trying to ban the Latinas? That's where I draw the line. Like, you know, make rich people richer and all that. That's fucked up. But when you try to get rid of the Latinas, I, I'm gonna have to march in the streets. And I did. There's pics of me. I'm saying, don't get rid of the Latinas, man. That's fucked up.

• 1:03:26Caleb Hammer?

  15, 13 years to pay this one off.

• 1:03:29Speaker 03

  Oh yeah, back to the

• 1:03:30Caleb Hammer?

  So you're paying for the OF. Did you cancel your sub?

• 1:03:33Speaker 03

  Yeah, yeah, I did.

• 1:03:34Caleb Hammer?

  Good.

• 1:03:35Speaker 03

  I cancelled it and I wanted a refund, but they're like, no, you already saw it.

• 1:03:38Caleb Hammer?

  I have to vet you. I'm not looking at anything necessarily, but log into your OnlyFans right now.

• 1:03:43Speaker 03

  I'll show you, bro. I'm telling you, she didn't have math on there. It's fucked up. I honestly really feel like I got scammed.

• 1:03:51Speaker 03

  Alright, here's her page. Oh, I think it already

• 1:03:53Caleb Hammer?

  That's not what I'm vetting.

• 1:03:55Speaker 03

  It already

• 1:03:55Caleb Hammer?

  I don't want to see her page. That's not what I'm vetting.

• 1:03:58Speaker 03

  I don't have any subscriptions on here.

• 1:03:59Caleb Hammer?

  Uh huh.

• 1:04:00Speaker 03

  Check.

• 1:04:00Caleb Hammer?

  Uh huh, he got a message from one lady this morning.

• 1:04:03Speaker 03

  They all message you.

• 1:04:04Caleb Hammer?

  Yes, but that means you subbed at some point.

• 1:04:06Speaker 03

  No, they message you, bro.

• 1:04:07Caleb Hammer?

  She's Asian showing hole. I know, but they don't message you unless, they don't

• 1:04:10Speaker 03

  Asian showing hole is crazy.

• 1:04:12Caleb Hammer?

  They, they don't message you unless you have like subbed at one point.

• 1:04:18Speaker 03

  You can check my subs.

• 1:04:19Caleb Hammer?

  We got two. We got three.

• 1:04:22Speaker 03

  Ah, shut the

• 1:04:23Caleb Hammer?

  Aha!

• 1:04:24Speaker 03

  I'm not subbed.

• 1:04:25Caleb Hammer?

  You have previously. To suggest this was your first is not true. You successfully subscribed to Margot.

• 1:04:36Speaker 03

  That must have been a long ass time ago, bro.

• 1:04:38Caleb Hammer?

  It was a while ago.

• 1:04:38Speaker 03

  That must have been like 17 or some

• 1:04:41Caleb Hammer?

  Um, and she's very busty.

• 1:04:47Speaker 03

  Who doesn't like titties, bro? We circled back to that.

• 1:04:49Caleb Hammer?

  Yeah.

• 1:04:49Speaker 03

  It would be cool if they did math, though. I'm just saying.

• 1:04:52Caleb Hammer?

  One of them was Asian.

• 1:04:54Speaker 03

  I think that was the supposedly math one.

• 1:04:57Caleb Hammer?

  Well. Yeah.

• 1:04:58Speaker 03

  She disappointed her culture.

• 1:05:02Caleb Hammer?

  Apple card. Bring up your Apple card for me.

• 1:05:05Speaker 03

  Okay. Oh yeah, so this one, uh, I racked that one up when I got the truck, unfortunately. And also, I, I know you said on your show to like unadd all your credit cards off your Apple Wallet. I couldn't unadd that one. But all the other ones are.

• 1:05:19Caleb Hammer?

  Well, for many people, I'd close it. The fact that you get in and out and in and out and in and out of debt constantly.

• 1:05:24Speaker 03

  That's what she said. Yeah.

• 1:05:27Caleb Hammer?

  Kind of. That's, that's what's concerning to me.

• 1:05:32Caleb Hammer?

  This is like basically maxed out, minimum is...

• 1:05:35Speaker 03

  The reason it's maxed out is because they lowered...

• 1:05:38Caleb Hammer?

  Forty-eight, fourteen, I think.

• 1:05:40Speaker 03

  They lowered my availability after it sat with the balance for a while. It was, the availability at one point was higher.

• 1:05:46Caleb Hammer?

  Seventy-one is your minimum payment.

• 1:05:48Speaker 03

  Yep.

• 1:05:49Caleb Hammer?

  Apple Card used, Apple Card used. This was just last month, Apple Card used, Apple Card used.

• 1:05:53Speaker 03

  Yeah, my subscriptions...

• 1:05:54Caleb Hammer?

  HBO Max, we definitely don't need that right now. iCloud, that's okay.

• 1:05:59Speaker 03

  Yes, I think it's storage, I don't remember.

• 1:06:02Caleb Hammer?

  Interest, okay, here we go. Interest charge forty-eight, I mean, this is probably like a twenty percent, I'm sure this is also about a couple hundred bucks. Or like a thousand or two thousand this year so far.

• 1:06:13Speaker 03

  You can see, actually.

• 1:06:14Caleb Hammer?

  Or by end of year.

• 1:06:15Speaker 03

  Okay. I was gonna say, you can see the interest on there?

• 1:06:18Caleb Hammer?

  Yeah, I mean, so, that's a little bit of spending on these cards so far aren't crazy. I'm sure most of the spending's in the checking account.

• 1:06:25Speaker 03

  Yeah.

• 1:06:25Caleb Hammer?

  But, I mean, every card's maxed out, I'm not seeing, whatever this progress is, I haven't seen yet, but I wanna see it.

• 1:06:30Speaker 03

  That's the thing is, a lot of my, they weren't maxed out, like, the ones that you're seeing on Citi? Originally, they were like ten K and seventy-five hundred is the limit.

• 1:06:36Caleb Hammer?

  I know, but now they're maxed out.

• 1:06:37Speaker 03

  Yeah.

• 1:06:37Caleb Hammer?

  They brought it down because they don't trust you with money. One thousand four hundred forty-seven dollars and fifty-six cents on this Freedom Card. Hey, you sent a statement again, six years to pay off, forty-nine dollar minimum payment. Interest charge this last month, thirty-four dollars and ninety-seven cents.

• 1:06:52Speaker 03

  A lot of those Chase ones...

• 1:06:54Caleb Hammer?

  Again, maxed out.

• 1:06:55Speaker 03

  Uh, yeah, they lowered that one.

• 1:06:57Caleb Hammer?

  Couple dollars off, but maxed out.

• 1:06:59Speaker 03

  A lot of...

• 1:06:59Caleb Hammer?

  Listen, the concern is, yes, I believe you can pay this off. I'm picking that up from you, I believe, I don't know by the beginning of the year, that doesn't make sense to me. But I believe you can pay these off. I don't necessarily believe that you will not get them again.

• 1:07:12Speaker 03

  I know, and I've...

• 1:07:13Caleb Hammer?

  Not rack them up again, you've done this before.

• 1:07:15Speaker 03

  I've come to the conclusion, because I did well on credit cards for the first, because my first one I got at sixteen. And I did well until I was about nineteen, and so I think, I just, now that I live the adult life and have real bills and stuff, I think I might just have to not be a credit card person and not have them at all, but I would like to use them responsibly.

• 1:07:33Caleb Hammer?

  Maybe, maybe.

• 1:07:34Speaker 03

  And so what I wanna do is, I don't wanna close them yet. I'm thinking when I pay them off, I might reintroduce one that's secured and just work that for a bit. Because I would really like to retrain that muscle.

• 1:07:43Caleb Hammer?

  Use the Fizz Card, Fizz Card, debit card that builds credit, it works, it works the same. Uh, it just doesn't let you spend more than what's in your checking account.

• 1:07:50Speaker 03

  Yeah.

• 1:07:50Caleb Hammer?

  Also gets you an accounting certification through Course Careers. Not for you to change your career path or get more money, it's not about that, but when you start your own business... I want you to be able to do true legitimate business accounting.

• 1:08:00Speaker 03

  Well, I got a guy for that, but.

• 1:08:01Caleb Hammer?

  Well, save your money at the beginning.

• 1:08:03Speaker 03

  Sure, sure, sure.

• 1:08:04Caleb Hammer?

  So, I mean, I want to make sure you're going in on the right foot.

• 1:08:08Speaker 03

  I know. And see with that one, uh, originally, I'm not gonna lie, I went to Puerto Rico. And that's the reason I got a balance on it.

• 1:08:15Caleb Hammer?

  What, for a Puerto Rican baddie this time?

• 1:08:18Speaker 03

  Yeah.

• 1:08:19Caleb Hammer?

  Actually.

• 1:08:20Speaker 03

  I'm not even gonna.

• 1:08:21Caleb Hammer?

  Dude, what are you doing?

• 1:08:22Speaker 03

  Okay, so what, so what happened was.

• 1:08:23Caleb Hammer?

  Let me see.

• 1:08:24Speaker 03

  Let me see what?

• 1:08:25Caleb Hammer?

  Her.

• 1:08:25Speaker 03

  Well, no, that was a random [BLEEP]. I don't have any pics of her.

• 1:08:29Caleb Hammer?

  You don't know her on Instagram. I can follow all my people.

• 1:08:32Speaker 03

  No, bro, cuz.

• 1:08:33Caleb Hammer?

  Why do you get blocked?

• 1:08:34Speaker 03

  No, no, I wasn't blocked. I wasn't blocked. I wasn't blocked. I wasn't blocked. So, I had gone there with the idea of it'd be cool to pull Puerto Rican baddies. And then I went there and I met with, I got these random tech bro friends I made on the, on the plane. And ended up just getting smashed with them, huh?

• 1:08:50Caleb Hammer?

  You ended up what?

• 1:08:52Speaker 03

  Oh, I, I ended up, so I was, I was flying there. I met this guy who worked at Apple and some other tech bros. And they're cool as [BLEEP]. And so I ended up just getting smashed with them on the beach. And then I got [BLEEP] up and, uh, we went to like these weird prisons and [BLEEP]. And then next thing you know, my three days are up, so.

• 1:09:07Caleb Hammer?

  You didn't even have sex with the Puerto Rican?

• 1:09:09Speaker 03

  That's what I'm saying. I didn't even, I didn't even get to link up.

• 1:09:11Caleb Hammer?

  What is the point? If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course.

• 1:10:05Caleb Hammer?

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• 1:10:45Caleb Hammer?

  A way to connect the dots, to see how the stuff we talk about applies to you, your money, your debt, and your goals.

• 1:10:55Caleb Hammer?

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• 1:11:40Caleb Hammer?

  Sign up for Master Your Money today and get lifetime pricing at just $39.99 a month, over $100 in annual savings, and access to the DollarWise Budgeting App Premium Version, one month of Hammer Elite 3.0 for free, plus a free budget-friendly cookbook that you can download. This insane offer ends after Black Friday, so if you want to master your money, click below and get started today.

• 1:12:06Speaker 03

  Um, good point. Honestly, that was a really badass trip though. I'm not gonna lie. That was pretty tight because I was 18 or no, I was 19 or 20. I don't remember, but um, I couldn't drink in America, but I could drink there. So it was pretty tight.

• 1:12:18Caleb Hammer?

  Okay.

• 1:12:19Speaker 03

  But uh, yeah, that's how I originally got that balance because I was so burnt out here in uh, SA. And um, I don't know. I just felt like I needed a break and I shouldn't have done that. I know, but honestly, it really did help a lot. And then I did pay that down and then I racked it up on bull shit being behind on bills.

• 1:12:34Caleb Hammer?

  Dude, your life is just crazy where you're putting money and I just don't.

• 1:12:38Speaker 03

  I know.

• 1:12:38Caleb Hammer?

  Listen, you had a breakup. You're a little bitter in the dating world now, but I don't believe you've you're gonna change your lifestyle for a bit.

• 1:12:44Speaker 03

  I've been locked in, bro. I've been in that mode.

• 1:12:46Caleb Hammer?

  I don't know, man. I don't know, man. I, I can lock in as well, but when I was in my goon early twenties, my goon, I mean, this is, you'll, you'll, you'll, you'll goon. You're a gooner.

• 1:12:58Speaker 03

  I'm a real gooner.

• 1:12:58Caleb Hammer?

  You're a gooner. You're always gonna wanna fuck and you're gonna spend money on dates to fuck.

• 1:13:04Speaker 03

  Well, so here's the new play.

• 1:13:05Caleb Hammer?

  Traveling.

• 1:13:06Speaker 03

  Here's the new play. Instead of spending money on women, right? I build them a robot instead. Think about it.

• 1:13:13Caleb Hammer?

  What? Does it give hand jobs?

• 1:13:15Speaker 03

  I mean, I could. I'm just kidding. You know, it's like a whole industry right now.

• 1:13:19Caleb Hammer?

  Yeah.

• 1:13:19Speaker 03

  The handjob machines.

• 1:13:20Caleb Hammer?

  Well, cause men are pussies and losers and women are insane. So yeah, there's uh, among the young generation, the men and women are in your, your age range.

• 1:13:30Speaker 03

  Yeah.

• 1:13:30Caleb Hammer?

  Women are hyper extremists on TikTok and men are losers that

• 1:13:34Speaker 03

  Yes.

• 1:13:35Caleb Hammer?

  inscribe stuff on bullets. So I'd like.

• 1:13:37Speaker 03

  I'm trying to, that's what I was thinking. I was like, I should pull me a MILF next. And that's like when I, when I was looking on like Tinder and shit a little bit, I wasn't gonna do it though. Um, I was like, I should pull me a MILF.

• 1:13:47Caleb Hammer?

  Pull you a MILF. Okay. Couple hundred bucks in interest this year so far. So 500 by end of year. We're talking almost like, I think we're at this point, we're three, four, five. I think like almost 5,500 by year's end in interest. So almost a total month of everything combined. Well, uh, actually of your main income gone so far.

• 1:14:04Speaker 03

  The interest sucks ass and that's what kinda sucks with the snowball method. But I gotta be honest, the snowball is.

• 1:14:09Caleb Hammer?

  Why don't you avalanche?

• 1:14:11Speaker 03

  Well, cause the snowball, uh, I've tried avalanche before and that's why I tried.

• 1:14:15Caleb Hammer?

  Wins.

• 1:14:16Speaker 03

  I don't get those wins. Yeah, and that's what happened.

• 1:14:19Caleb Hammer?

  That's why I would prefer snowball for you.

• 1:14:20Speaker 03

  I paid off like 5K of the total that at the highest and I was trying to do the avalanche. And then now I'm switching to snowball and I'm finding it a lot better.

• 1:14:29Caleb Hammer?

  Kay saver, one of your small ones, yet no progress. Nine hundred thirty four dollars and eighteen cents of the thirty three dollar monthly payment and it is maxed out.

• 1:14:38Speaker 03

  It got maxed out because of my ex's birthday.

• 1:14:40Caleb Hammer?

  Tell me.

• 1:14:41Speaker 03

  So it's actually so fucked up. That's how I got this La Boo Boo. Um, so I had for her birthday, she told me she wanted La Boo Boo's, right? And so I bought them and she saw the email of them coming in. So she's like, oh, no, I'm getting it for my birthday. I was like lame. And so I was like, okay, let me get you another gift. And so those came in and I just gave her the box, right? And then she almost broke up with me because I didn't wrap it.

• 1:15:02Caleb Hammer?

  Why?

• 1:15:03Speaker 03

  It was like two weeks before her birthday.

• 1:15:04Caleb Hammer?

  The, the crazy cat.

• 1:15:05Speaker 03

  Yeah.

• 1:15:06Caleb Hammer?

  Yeah, she's insane, dude. We everything. There's not one thing that sounds normal, other than she was like a seven.

• 1:15:11Speaker 03

  I was, I was like, I don't know, man. I was, I was down bad, I guess, but she's a really cool person. It's just, I don't know. I wish her the best. I hope things are well. We'll see. But yeah, and then, um, I ended up getting her a different gift, but those, yeah, I got off stock exchange. I did pay it now and it's just.

• 1:15:29Caleb Hammer?

  Bear, it's maxed out now.

• 1:15:32Speaker 03

  Yeah, but that was from the gift.

• 1:15:34Caleb Hammer?

  Yeah, I know. It's crazy. Again, there will always be something to get you up there and that's what concerns me about you more than anything.

• 1:15:40Speaker 03

  Luckily I don't do Christmas. I'm not religious, so I don't have that holiday.

• 1:15:44Caleb Hammer?

  Did you delete your text messages with her?

• 1:15:46Speaker 03

  With who?

• 1:15:47Caleb Hammer?

  Her.

• 1:15:47Speaker 03

  My most recent ex? No. You want to say him?

• 1:15:49Caleb Hammer?

  In the post show, yes. You better.

• 1:15:52Speaker 03

  Dude, you're gonna see some bat shit shit.

• 1:15:55Caleb Hammer?

  Exactly. That's why hammer elite is incredible.

• 1:15:58Speaker 03

  I'm not gonna lie. I got, I crashed out a couple of times.

• 1:16:01Caleb Hammer?

  I'm sure you did. I would have as well. Crashing out is normal for humans as long as.

• 1:16:05Speaker 03

  You can see the text where she said, I feel like it's feeding your ego to talk to me. You can see that text.

• 1:16:09Caleb Hammer?

  Hundred and forty in interest is here so far, so it'll be a couple hundred bucks. We're getting close to about six thousand in interest by year's end. Amazon secrecy card. What's going on with this?

• 1:16:18Speaker 03

  Okay, so Amazon, bro, when I moved to San Antonio, best part, best part about being in the city is day, same day shipping. That is awesome.

• 1:16:25Caleb Hammer?

  From West Texas?

• 1:16:26Speaker 03

  No, I came from East Texas. We didn't have same day.

• 1:16:31Caleb Hammer?

  Okay.

• 1:16:32Speaker 03

  But San Antonio does, cause it's like a major city and uh.

• 1:16:35Caleb Hammer?

  Twenty-nine dollar minimum payment, uh, balance, four hundred eighty-seven dollars and forty-four cents, twenty-three months to pay this off. Uh, no purchases, but I think it is, yeah, it's maxed out, started over maxed out actually, with a interest charge of twelve dollars seventy-five cents.

• 1:16:51Speaker 03

  Yeah, I don't remember that one. Yeah, I bought a lot of Amazon, you know, my ex would buy stuff on my Amazon too.

• 1:16:55Caleb Hammer?

  Mm-hmm.

• 1:16:57Speaker 03

  It's all on there. And I bought a bet on there recently.

• 1:16:58Caleb Hammer?

  Eighty-two dollars of interest this year. Adds it a thirty percent rate. Yeah, it's not good. Getting closer and closer to that. Sixty thousand in interest, or six thousand in interest. Ken, I'm not seeing progress here. Okay, so this card started at zero, but you put two fifty-one on it.

• 1:17:14Speaker 03

  With the Freedom Flex?

• 1:17:15Caleb Hammer?

  Yeah.

• 1:17:16Speaker 03

  I don't remember that.

• 1:17:17Caleb Hammer?

  Well, great. Well, that's, that's absolutely great for your future.

• 1:17:21Speaker 03

  Keep at zero.

• 1:17:22Caleb Hammer?

  Well, it's at two fifty-one point five one with a minimum payment of forty.

• 1:17:25Speaker 03

  Damn.

• 1:17:26Caleb Hammer?

  Zip it.

• 1:17:27Speaker 03

  Oh, that's booze. Oh, yeah. Oh, good news on the vape. So, I quit vaping.

• 1:17:32Caleb Hammer?

  That's good.

• 1:17:33Speaker 03

  The ultimate big brain strat. So what I did is, I went from vaping to cigarettes. Big brain. Okay, here we go. Let me cook, let me cook, let me cook, let me cook, let me cook. Okay, so here's the strat. Here's the strat. Let me put you on game. You're vaping, right? I'm chiefing that shit day and night. I work in an office. I'm, I'm allowed to do the [bleep] I want. So I'm chiefing day and night. Cigarettes, I gotta smoke outside. And so what I did was, um, I, I had to separate out with my cigarettes. I switched to cigarettes and then at, uh, Murphy's or whatever, they were doing a promo. They gave me free zins with every pack of cigarettes. And so now, I switched to zins. And so I've been, uh, two weeks almost, no vape or smoke.

• 1:18:10Caleb Hammer?

  Locking in with zins earlier. I was making a joke. I didn't know you actually took zins. No, stop it. I don't care.

• 1:18:16Speaker 03

  Okay. But yeah, I'm off the vapes. No more vapes.

• 1:18:18Caleb Hammer?

  Wink stop. Went in and got some bullshit. What you get? From gas station, seven bucks.

• 1:18:23Speaker 03

  Oh wait, you said Wingstop.

• 1:18:25Caleb Hammer?

  Uh, Circle K.

• 1:18:26Speaker 03

  Oh, Circle K? Probably a Red Bull.

• 1:18:28Caleb Hammer?

  Why? Okay, don't do that. Listen, here, try one of these.

• 1:18:31Speaker 03

  Oh, I was telling them the thing. I got gamer stuffs. I fuck with gamer stuff.

• 1:18:34Caleb Hammer?

  It's so good. Here, there's a free sample. You guys can get free samples now. Again, with the powder, you put it in this, it's really good.

• 1:18:40Speaker 03

  No, I know.

• 1:18:41Caleb Hammer?

  10% off with my link or get the free samples, type in code Caleb. 25 cents a serving. It's like making your Red Bull at home, like making your coffee at home. 25 cents a serving.

• 1:18:48Speaker 03

  Get the degenerate VTuber ones. They're the best ones.

• 1:18:50Caleb Hammer?

  They are.

• 1:18:51Speaker 03

  They are.

• 1:18:51Caleb Hammer?

  I like the blowhole one.

• 1:18:52Speaker 03

  That's mine. That's my favorite one.

• 1:18:54Caleb Hammer?

  Yeah, it's good.

• 1:18:55Speaker 03

  It's that, uh, that German chick.

• 1:18:56Caleb Hammer?

  Yeah, I don't know who it is, but it's tropical and I like it.

• 1:18:59Speaker 03

  Yeah, I saw her at Weebcon.

• 1:19:00Caleb Hammer?

  Well, you got more Red Bulls. Don't.

• 1:19:04Caleb Hammer?

  There's gas.

• 1:19:04Speaker 03

  Yeah, I gotta stop with the Red Bull.

• 1:19:06Caleb Hammer?

  Nice pies, sports bar, sports bar, Red Bull, raisin cans and Red Bull.

• 1:19:10Speaker 03

  Yeah.

• 1:19:11Caleb Hammer?

  Now, you usually pay this off every month, so I'm gonna cross it out, cause no interest accrued this year.

• 1:19:16Speaker 03

  Yeah. Um, yeah, that's my good boy credit card. Honestly, I think what happens when I use that, most time I use it accidentally, because I would do Apple Pay.

• 1:19:25Caleb Hammer?

  Whoa, whoa, whoa, whoa.

• 1:19:25Speaker 03

  And then it was on my, it was on my Apple, like, thing before I took them off.

• 1:19:29Caleb Hammer?

  Whoa, what the [bleep]. Okay, that's into your debt, but your checking account's weird.

• 1:19:34Speaker 03

  What's wrong with my checking?

• 1:19:35Caleb Hammer?

  Well, we ended with $2,6696, which is great.

• 1:19:39Speaker 03

  Okay.

• 1:19:39Caleb Hammer?

  You started with negative $394.

• 1:19:43Speaker 03

  I remember talking to Colton about this. So what happened was, is, I guess I forgot whenever everything was hitting at the beginning of the month, because y'all's statement is like in the middle of the month, and, uh, instead of the first, and I, I guess I just lost track, and I spent too much, because that was right around the breakup, and I sent her money so she could go drive home, and then I was dead broke.

• 1:20:04Caleb Hammer?

  That's [bleep] crazy, dude.

• 1:20:06Speaker 03

  I know.

• 1:20:06Caleb Hammer?

  This is [bleep] crazy.

• 1:20:07Speaker 03

  She didn't have any money. She had to get home. And so, I sent her some money and...

• 1:20:11Caleb Hammer?

  To negative?

• 1:20:12Speaker 03

  No, not to negative. That, the negative came because all my minimums hit right then, and I wasn't getting paid till Friday. You can see on there. They're like all right there, and then boom, I get paid.

• 1:20:21Caleb Hammer?

  Well, before I look at this, I wanna look at your Amazon.

• 1:20:23Speaker 03

  Oh, okay. Yeah, you'll see some [bleep] that she bought as well. She's not on anymore, just to be clear, but, um... And then you'll see my most recent is my bed. Here you go. And you can get to my credit card from, if you go to Accountants.

• 1:20:37Caleb Hammer?

  Starting screen recording. We'll blackout private.

• 1:20:39Speaker 03

  Oh yeah, my fault.

• 1:20:40Caleb Hammer?

  The Tunnel, a novel.

• 1:20:42Speaker 03

  Oh, it's a Spanish book.

• 1:20:43Caleb Hammer?

  You got your new mattress.

• 1:20:44Speaker 03

  Yeah, and the tunnel is just...

• 1:20:46Caleb Hammer?

  Multivitamin, US Army Forces.

• 1:20:49Speaker 03

  Oh, that's another book.

• 1:20:51Caleb Hammer?

  Okay.

• 1:20:51Speaker 03

  I have a lot of books.

• 1:20:52Caleb Hammer?

  Sportier adjustable weighted ankle.

• 1:20:55Speaker 03

  Oh yeah, those are from my.

• 1:20:56Caleb Hammer?

  AirPods.

• 1:20:58Speaker 03

  Okay, okay, the AirPods.

• 1:21:00Caleb Hammer?

  Pencil set.

• 1:21:01Speaker 03

  That's for drawing, that's for cheap.

• 1:21:02Caleb Hammer?

  Dip pen.

• 1:21:04Speaker 03

  It's just like a calligraphy thing.

• 1:21:06Caleb Hammer?

  Okay.

• 1:21:07Speaker 03

  But it's just for art. But the AirPods, I did justify. I worked like almost a hundred hour a week. And so what I justified it is, is if I come in a half hour early and leave a half hour late for three days, it more than pays for the AirPods. So.

• 1:21:21Caleb Hammer?

  But you could put it towards your debt, dude.

• 1:21:23Speaker 03

  I know. It's just because I needed the reward to get through that week and then I really wanted AirPods to be able to wear at the zoo.

• 1:21:30Caleb Hammer?

  Neodymium comp magnet.

• 1:21:33Speaker 03

  Oh, that was for a robotics project. Those magnets.

• 1:21:36Caleb Hammer?

  Lots of birthday stuff canceled, canceled, canceled, canceled.

• 1:21:39Speaker 03

  Yeah, I ended up canceling.

• 1:21:40Caleb Hammer?

  Colton said there are sex toys on here, but I don't see it.

• 1:21:43Speaker 03

  Sex toys? Oh, that's deep. You gotta find that deep. That is deep in there, my orders.

• 1:21:47Caleb Hammer?

  I don't know. Colton knows it somehow.

• 1:21:49Speaker 03

  No, he was asking what was on there. I didn't know what's, which ones you'd be able to see, but yeah, I had bought some.

• 1:21:54Caleb Hammer?

  Stuffing yourself?

• 1:21:55Speaker 03

  Oh yeah, big time. I just love plugging.

• 1:21:59Caleb Hammer?

  And again, going negative in the checking account to give our ex money. What did we do?

• 1:22:03Speaker 03

  Yeah, I know.

• 1:22:04Caleb Hammer?

  We got Red Bull, we got liquor. You get a lot of liquor.

• 1:22:07Speaker 03

  Okay, so that was, okay, I went, I'm not drinking, I'm not drinking anymore. I went a month, I went a month clean and I had two beers the other day. That's it. But, uh, the, yeah, that was, you're seeing my depression week and I was not well and I did drink a lot. And I think if you look at the liquor store though, I also buy my cigars there. So I was smoking cigars then too.

• 1:22:29Caleb Hammer?

  Dude, you just wanna, you do everything bad to yourself.

• 1:22:32Speaker 03

  I know.

• 1:22:33Caleb Hammer?

  Red Bull, Chili's, Audible, Apple, Cash App, Slackers St. Mary's, Slackers St. Mary's, Apple Cash, Slackers St. Mary's, Joey's, La Perona's, a Red Bull, Panda Express, Red Bull Chipotle. Again, we could be paying down all our debt. By the way, you said, oh, Mickey Snowball. There was no more than a minimum monthly payment on any of these.

• 1:22:58Caleb Hammer?

  So [__] off. I mean, that's what I was expecting, but I needed to go through to see. Actually, no, that isn't what I was expecting. I was expecting maybe you did make a progress on a small card. You didn't. Red Bull, Chipotle, Red Bull, Red Bull, Hazel Sky, Red Bull, Red Bull, McDonald's, Chick-fil-A, Thirsty's, Thirsty's, Taco Bell, Schlotzsky's, Flex, Finance?

• 1:23:19Speaker 03

  Oh, so, uh, that's when I was doing my rent and two payments. So like it'd be around the first and around the 21st.

• 1:23:25Caleb Hammer?

  Why? You make money, good money.

• 1:23:27Speaker 03

  Uh, well, cause, uh, what had happened that made me do that is, uh, I had gotten hospitalized or like a month before this. And then

• 1:23:36Caleb Hammer?

  For what?

• 1:23:36Speaker 03

  Behind. I had a seizure.

• 1:23:38Caleb Hammer?

  That's not good.

• 1:23:39Speaker 03

  Yeah, so, um, I have like a sleeping thing, cause I was just stressed and working so much. Especially in my last job, I was working like 80 to 100 hours and flying. So I was only able to sleep like three or four hours at a time. Like on an average day and, um, ended up causing a seizure. So I was hospitalized and I was out for like two weeks. Yeah. And my work was really cool about it, you know, they

• 1:24:00Caleb Hammer?

  That's good.

• 1:24:01Speaker 03

  But, um, yeah, I ended up being behind on, on rent and

• 1:24:05Caleb Hammer?

  Perfect Tinder, Tot, Walkway, El Camino, PayPal, Apple Card. Well, that's a payment through the Apple Card. Cash App, uh, uh, Red Bull, Tacos, Red Bull, Crunchyroll, Apple Bill, McDonald's, McDonald's, McDonald's, Whataburger.

• 1:24:22Speaker 03

  Fuck.

• 1:24:22Caleb Hammer?

  All could be going to debt and we're not putting more than minimum monthly payments on debt.

• 1:24:29Caleb Hammer?

  We're simply not. Pang Cha, Starbucks, Cash App, Raising Cane, Specs, Chick-fil-A, Jewelry.

• 1:24:38Speaker 03

  Licker store. Wait, jewelry?

• 1:24:41Caleb Hammer?

  Yep. SP Hard Jewelry.

• 1:24:43Speaker 03

  SP Hard Jewelry. Oh, yeah, yeah. That, I didn't wear it. Yeah, I bought a ring.

• 1:24:48Caleb Hammer?

  Great. Instead of paying off our debt, liquor, Chick-fil-A.

• 1:24:52Speaker 03

  I was down bad, bro.

• 1:24:54Caleb Hammer?

  Alexa.

• 1:24:55Speaker 03

  I was down bad, bro.

• 1:24:56Caleb Hammer?

  Whataburger. Yeah, mo- yeah, for the whole month.

• 1:24:59Speaker 03

  I know. I was rough. I was rough, bro. I'm not proud of it. I was not. I was going through, man. All my homies know. I was [__] down bad as fuck.

• 1:25:07Caleb Hammer?

  Sure, sure.

• 1:25:07Speaker 03

  That was a really rough way. And plus we were still kinda talking for like a little bit afterwards until she decided to go to me. Cause I, I really want her to get right. Cause she was on some [__].

• 1:25:16Caleb Hammer?

  I know, but I, I don't know. And especially an ex, like that might not be

• 1:25:20Speaker 03

  I know. It's just when you care for someone, you got it.

• 1:25:22Caleb Hammer?

  I know. You wanted to try. Red Bull, Apple Cash. Tacos, Flex Finance again, that's the fee for it.

• 1:25:30Speaker 03

  Oh yeah, $10.

• 1:25:31Caleb Hammer?

  Amazon, Spectrum, well that's fine.

• 1:25:32Speaker 03

  I don't have the Flex anymore, just to be clear.

• 1:25:33Caleb Hammer?

  And SaucePlus.com. Total overdraft fees this year so far, $170. That's insane.

• 1:25:41Speaker 03

  I know, see, I didn't even know about overdraft fees.

• 1:25:43Caleb Hammer?

  I honestly thought you were kinda like, pretty okay. Finance guy, pretty okay, really in the niche. You're not. You're overdrafting like insane, you're not making any more than minimum monthly payments on anything, when I thought you might. You're spending a lot of money on bullshit endlessly, and it's really bad habits, too.

• 1:25:57Speaker 03

  I know, and they were...

• 1:25:58Caleb Hammer?

  Even if it was last month, and crash out month, I mean, you're still not making any progress, you're just getting liquor, and doing zens and getting cigarettes, this is really bad habits.

• 1:26:05Speaker 03

  I know, I know, and that's, that's the main thing, is I'm focused on my health, and when I'm focused on my health. Well, that's what I've been doing, and so like, with the like, the prep meals and stuff, I'm about a month into that diet, and it's been helping my bank account, too. Plus, I've lost 10 pounds.

• 1:26:21Caleb Hammer?

  Well, that's good. Total income, $8,200. Well, hopefully that's good.

• 1:26:27Speaker 03

  What is?

• 1:26:28Caleb Hammer?

  Did you lose it in a good way?

• 1:26:29Speaker 03

  I mean, I think so. I'm pretty out of shape still, but I'm working on it.

• 1:26:32Caleb Hammer?

  $386.36 to the Jeep. Truck, $630.34. Uh, the AT&T card, $157.98, these are your minimum monthly payments, by the way.

• 1:26:44Speaker 03

  Oh, yeah, yeah, yeah.

• 1:26:45Caleb Hammer?

  $91.11 for the city, double cash. PayPal credit, $77, $71 to the Apple card. Freedom card, $49, $33 for the saver card. The Amazon card for all the dildos, $29. Your minimum monthly payments, right now, just debt, $1,524.79. Now, what I am gonna do, is you're gonna put $500 immediately into the Jeep, you're gonna sell it, that doesn't get rid of the minimum payment, but it is gonna bring it down to about 5,000.

• 1:27:17Speaker 03

  Wait, what?

• 1:27:18Caleb Hammer?

  6,000. To the Jeep, uh, to the Jeep, right? You said you put in $500, you sell it for 8.

• 1:27:22Speaker 03

  Oh, yeah, yeah, yeah, yeah.

• 1:27:24Caleb Hammer?

  That brings it to about 6.

• 1:27:25Speaker 03

  But I can't sell it until I pay it, so I pay it down to the total amount. I can't get a loan for the difference, cuz I went to a credit union, and they were like, nah. Not until I, uh, pay off credit cards.

• 1:27:38Caleb Hammer?

  Okay, we might be able to look at some resources afterwards, but-

• 1:27:41Speaker 03

  Yeah, I'll try another, some more, but I was looking at my local-

• 1:27:43Caleb Hammer?

  But even so, you'll set that money aside and I'll consider bringing it down to the debt.

• 1:27:46Speaker 03

  Yep.

• 1:27:47Caleb Hammer?

  So I'll bring the Jeep debt down to six. Okay, what's your rent?

• 1:27:50Speaker 03

  Uh, sixteen forty-five, and then plus internet, water, stupid fees, it's like nineteen.

• 1:27:56Caleb Hammer?

  Okay, I'll call it nineteen hundred total.

• 1:27:58Speaker 03

  Mm-hmm.

• 1:27:59Caleb Hammer?

  That's expensive, by the way. Phone bill?

• 1:28:01Speaker 03

  Uh-

• 1:28:02Caleb Hammer?

  Especially for San Antonio.

• 1:28:02Speaker 03

  Yeah, one sixty-five.

• 1:28:05Caleb Hammer?

  Gas, vroom, vroom, drive, drive?

• 1:28:07Speaker 03

  Hundred and sixty a month.

• 1:28:08Caleb Hammer?

  Uh, T-Mobile, I know is good in this area, I'd switch to Helium.

• 1:28:11Speaker 03

  Uh, yeah-

• 1:28:11Caleb Hammer?

  How much, how much for gas again?

• 1:28:12Speaker 03

  I'm like locked in, they did something stupid.

• 1:28:14Caleb Hammer?

  Yeah, once you're out of there.

• 1:28:14Speaker 03

  Um, uh, how much for gas? Uh, one sixty.

• 1:28:18Caleb Hammer?

  Uh, and car insurance?

• 1:28:20Speaker 03

  Three thirty.

• 1:28:24Caleb Hammer?

  Okay, groceries, you can do three hundred, follow the meal plan-

• 1:28:27Speaker 03

  I have been-

• 1:28:27Caleb Hammer?

  -follow the meal prep. You can, it's so easy, especially with HEB, we know that. TP-Fund, anything else you need to survive a hundred, medical, healthcare, and ECO pays.

• 1:28:34Speaker 03

  I have a lot coming up, but I'm just not gonna do it for now, so nothing.

• 1:28:38Caleb Hammer?

  Okay. Jim?

• 1:28:40Speaker 03

  Uh, I got it for free.

• 1:28:42Caleb Hammer?

  Good.

• 1:28:42Speaker 03

  Oh, wait, my dojo for jiu-jitsu.

• 1:28:44Caleb Hammer?

  Give you fifty dollars in subscriptions.

• 1:28:46Speaker 03

  My jiu-jitsu is one eighty.

• 1:28:50Caleb Hammer?

  Okay.

• 1:28:50Speaker 03

  Yeah.

• 1:28:52Caleb Hammer?

  Fifty for subscriptions, anything else that needs to be in your budget that I've not put in effect?

• 1:28:56Speaker 03

  Uh-

• 1:28:56Caleb Hammer?

  Let's say you're, cause I know there's some room here, let's say wiggle room for hobby. How much do you need?

• 1:29:01Speaker 03

  So for books, I'd probably spend like, at least fifty-

• 1:29:03Caleb Hammer?

  Actually, what I'm gonna do is give you fun, five hundred.

• 1:29:06Speaker 03

  What? Five hundred bucks?

• 1:29:07Caleb Hammer?

  You have any pets?

• 1:29:08Speaker 03

  I have three. I have two kitty cats and a dog.

• 1:29:11Caleb Hammer?

  Ages and health?

• 1:29:12Speaker 03

  Uh, the dog's four, the smallest kitty, she's less than one, she's gonna be one in a bit, and then my other one's two.

• 1:29:19Caleb Hammer?

  All healthy?

• 1:29:19Speaker 03

  Yep.

• 1:29:20Caleb Hammer?

  Good, get pet insurance, good pet insurance, not this [BLEEP] stuff.

• 1:29:23Speaker 03

  You had, talked about lemonade, who should I go with? I was looking around.

• 1:29:27Caleb Hammer?

  Spot.

• 1:29:28Speaker 03

  Spot? Okay.

• 1:29:29Caleb Hammer?

  Yeah, but look, make sure you get the right plan, because that's what's hard.

• 1:29:33Speaker 03

  Yeah.

• 1:29:33Caleb Hammer?

  So one fifty, how much for pet food?

• 1:29:36Speaker 03

  Uh, forty, fifty, so like ninety bucks a month.

• 1:29:39Caleb Hammer?

  Okay. Good.

• 1:29:41Speaker 03

  I get the good shit.

• 1:29:42Caleb Hammer?

  Good. I think you can afford it. Oh, well, this rent is actually pretty high. Okay, let's see what we can do.

• 1:29:47Speaker 03

  Okay.

• 1:29:48Caleb Hammer?

  Yeah, I mean, you still got wiggle room, but not much. I'm cutting your fun down to two fifty.

• 1:29:52Speaker 03

  That's my zen budget.

• 1:29:53Caleb Hammer?

  I guess so. Five thousand one hundred ninety-nine dollars and seventy-five cents.

• 1:29:59Speaker 03

  Damn.

• 1:30:01Caleb Hammer?

  You're gonna bring in eight thousand two hundred. I mean, I was going off of the gap from the six sixty, but you need to pull in the money. That's that is like the extra bonus.

• 1:30:11Speaker 03

  Okay, I'll pull in that and then.

• 1:30:13Caleb Hammer?

  Three thousand hours a month is your leftover.

• 1:30:15Speaker 03

  Yep.

• 1:30:16Caleb Hammer?

  Now, we have sixty, sixty-three thousand, five hundred, twenty-eight dollars and eighteen cents.

• 1:30:24Caleb Hammer?

  I'm going to minus seven thousand, five hundred for the Jeep, five hundred of that goes to fixing it. Um, okay, very good. Now fifty-six thousand, twenty-eight dollars and eighteen cents divided by this three thousand. You'll be debt-free in a year and a quarter, a year and a half.

• 1:30:38Speaker 03

  My goal is debt-free by twenty-three. That's my, that's my thing.

• 1:30:41Caleb Hammer?

  Okay, well, you said by January. That doesn't make sense.

• 1:30:42Speaker 03

  No, no, the truck included. So I turned twenty-two in a couple of months and then.

• 1:30:47Caleb Hammer?

  Well, if you actually follow this budget, two hundred and fifty dollars for fun, nothing more beyond that, which you blow everything on women and craziness. Yeah. One and a half years and then don't start your business until then.

• 1:30:56Speaker 03

  Okay, you think, cause I, I read this, I read this like book about it and he was talking about, um, starting a small business, like solo.

• 1:31:04Caleb Hammer?

  You can if it's low and it doesn't take money away from the other things, cause you're gonna quit your zoo and that brings in money. We can't do that.

• 1:31:09Speaker 03

  Right, right, right. And so my, my plan was, um, cause the business, whenever I initially started, it takes very little upfront investment from me.

• 1:31:16Caleb Hammer?

  Mm-hmm.

• 1:31:17Speaker 03

  Because I'm doing like control work, like control panels. And so the customer will buy the parts and so I'm just doing labor.

• 1:31:24Caleb Hammer?

  Okay, as long as it's not taking away from the progress.

• 1:31:27Speaker 03

  It pays nutty is why I wanna do it. Because like in three days, I can make like eight to ten K, just from building panels.

• 1:31:33Caleb Hammer?

  So that's what I would do and I would get a fully funded emergency fund if you really want this business to be your big thing eventually.

• 1:31:38Speaker 03

  And I had some more questions too, is I, I was listening to Dave Ramsey. I had stopped investing in my Roth IRA and 401K. But I was thinking about it, the, the payoff is so huge on my Roth and I have the margin. Should I keep contributing to my Roth at least?

• 1:31:54Caleb Hammer?

  Some of these interest rates are just so substantially high.

• 1:31:57Speaker 03

  Yeah.

• 1:31:57Caleb Hammer?

  For your IRA, I wouldn't, I'd certainly take your retirement match at work. But with the interest rates on these cards being like 30%, it doesn't make sense for the market. Because even the best years is that.

• 1:32:06Speaker 03

  It's just because of the compound growth.

• 1:32:07Caleb Hammer?

  I know, but this will compound too.

• 1:32:09Speaker 03

  Yeah, true.

• 1:32:10Caleb Hammer?

  So, so I'd focus on this. Yeah, yeah.

• 1:32:13Speaker 03

  So take the company match. Okay.

• 1:32:14Caleb Hammer?

  Take your matches and then, and then we'll, we'll, we'll heavily invest. You'll have a great retirement. You just can't bounce back into this situation again.

• 1:32:21Speaker 03

  I know.

• 1:32:22Caleb Hammer?

  All right, I'm going to look through his texts. Let's get to Hammer Financial Score. I'm going to look through those girlfriend texts and then I'm going to try to call her. Um, so join that post show, but Hammer Financial Score, spending your budget. You spent exactly what you made, so you didn't over your spend. I'll give you a two out of 10 for that because more of this money should go towards debt.

• 1:32:37Speaker 03

  Yeah.

• 1:32:38Caleb Hammer?

  Debt, no collections, pretty bad debt, two cars, but that's about a two out of 10. Emergency funds, I didn't see a savings account.

• 1:32:46Speaker 03

  Uh, I have one. It was a thousand.

• 1:32:48Caleb Hammer?

  Okay, one out of 10. Retirement?

• 1:32:50Speaker 03

  Uh, I have like 2,500 in my 401k.

• 1:32:53Caleb Hammer?

  Uh, 21, I can give that about a five out of 10.

• 1:32:56Speaker 03

  What?

• 1:32:56Caleb Hammer?

  Maybe, well, at 21, because that's age dependent.

• 1:32:59Speaker 03

  I was expecting a zero for that. I thought you need like 10.

• 1:33:02Caleb Hammer?

  Well, at 21, well, you on, get on track and I'm going to give it a three because I want you to be on track to hit your total income.

• 1:33:09Speaker 03

  Yeah.

• 1:33:09Caleb Hammer?

  Whole year's worth of income by 30 needs to be saved up.

• 1:33:12Speaker 03

  Okay.

• 1:33:12Caleb Hammer?

  So I'll give you a three out of 10 because you're just getting started. Okay, I'll give you a two out of 10. Real estate, zero out of 10.

• 1:33:17Speaker 03

  Yeah.

• 1:33:17Caleb Hammer?

  The more I think about how long it's going to take to get there. No, I'll get the retirement a three. Sorry. Hammer Financial Score rounded up to what you said from the score you took. Two out of 10. Get yours at kalebammer.com and click that join button right now. Join us for extra 20 minutes and three premium shows posted every single day, Monday through Friday in Hammer Elite. I'll see you there. Okay, I'm looking through his text messages. Let's find something juicy.

• 1:33:39Speaker 03

  She got evicted and ended up moving in with me after like two months of us being together. I'm nervous. I don't know if I can handle that, bro.

• 1:33:46Speaker 07

  Come on, what is that? Strengthen your resolve, improve yourself, be so for real.

• 1:33:51Speaker 03

  That's why I don't text.

• 1:33:52Caleb Hammer?

  She said, are you okay with losing me? Well, that answers that. It's okay. I understand.

• 1:33:57Speaker 03

  That was after she told me she didn't want to talk anymore.

• 1:33:59Speaker 08

  Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.

• 1:34:17Speaker 09

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