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Transcript 15,528 words · 8 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
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0:56 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:59 Speaker 03 He does have two accounts that I am not on. I cannot see.
1:02 Caleb Hammer? What the [bleep]? I just got information. Let's just say the vast majority of this bounces through spicy material.
1:10 Speaker 04 I got it, so my credit would be better?
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1:44 Speaker 03 Hi, I'm Ruby. I'm 26.
1:46 Speaker 04 Hi, I'm Boudreaux. I'm 26. And we are from Baton Rouge, Louisiana.
1:50 Speaker 03 And this is Financial Audit.
1:53 Caleb Hammer? Thanks for coming over, guys. I really appreciate it. You look like you're dying. You OK?
2:00 Speaker 04 Yeah, I'm good. I'm excited. I'm just really excited.
2:03 Caleb Hammer? Yeah, yeah, yeah, I'm excited too. Ruby, what do you do for a living? You're the one in front of me, so we'll start with you.
2:07 Speaker 03 I work in ABA. I'm a line technician. I work with children with autism and other behavioral disorders.
2:14 Caleb Hammer? OK, and what are we making?
2:16 Speaker 03 I make $15 an hour.
2:18 Caleb Hammer? Oh.
2:20 Caleb Hammer? Yeah. Okay. How many hours a week do you?
2:23 Speaker 03 Um, about thirty.
2:24 Caleb Hammer? Okay. And we know we got a lot of behavioral issues in Baton Rouge. That is for sure. Uh, thirty hours a week. Why so little?
2:32 Speaker 03 Um, so when our children were in school, I worked.
2:39 Caleb Hammer? You guys have kids?
2:39 Speaker 03 Yes, we have two.
2:41 Caleb Hammer? When they were in school?
2:42 Speaker 03 Uh, it's summer break right now.
2:44 Caleb Hammer? Oh, okay. How old are they?
2:45 Speaker 03 We have one, uh, daughter that is six and a son that's four and will be starting school.
2:53 Caleb Hammer? Very good. Sorry, continue.
2:54 Speaker 03 Um, yeah, when they were, uh, when our daughter was in school, I would bring her to school and then I would go to work and then I would get off to get her off the bus. Uh, but now this summer, um, we, they are currently staying with family, um, most of the week.
3:12 Caleb Hammer? Cause you guys are working?
3:14 Speaker 03 Yes.
3:15 Caleb Hammer? Not for other weird issues?
3:16 Speaker 03 No, not for, just cause, uh, we're working. Um, and I have more hours that I can work, but, um, um, our family that they stay with lives a little over an hour away. So, um, I am off Mondays and Tuesdays. So Wednesday, Thursday and Friday, I work seven thirty to six. So I work about with a thirty minute break. So we're working about thirty hours.
3:38 Caleb Hammer? Mr. Boudreaux, what do you do?
3:40 Speaker 04 I'm a, uh, local truck driver.
3:42 Caleb Hammer? Yeah. And called that. I sat down and said he looked like a truck driver. That is okay.
3:49 Speaker 04 Yeah.
3:50 Caleb Hammer? Yeah, you are. Yes, you are, Mr. Boudreaux. Okay. Any excuse to get out of Baton Rouge, I'd take it as well. So what do you do? What do you make?
3:59 Speaker 04 I make twenty-five an hour. Uh,
4:01 Caleb Hammer? Better. How many hours?
4:03 Speaker 04 I work about sixty to sixty-five.
4:06 Caleb Hammer? Okay. Ooh, what? Okay. What hits your account on a monthly basis?
4:10 Speaker 03 Um,
4:11 Caleb Hammer? For your job.
4:13 Speaker 03 Probably about twelve hundred a month.
4:21 Caleb Hammer? Twelve hundred a month, that's it?
4:23 Speaker 03 Yeah. Um, I just recently, I had to be there for a year at my job, so I just recently got a 401k. That money is getting taken out of, and I have insurance.
4:34 Caleb Hammer? Insurance, well, you're not on each other's insurance? You don't have insurance?
4:38 Speaker 04 I, I do have insurance, but it's just mine, cuz we're not married.
4:42 Caleb Hammer? You're not married?
4:43 Speaker 04 No.
4:43 Caleb Hammer? Well, what the are we talking about right now?
4:45 Speaker 04 Uh.
4:46 Caleb Hammer? Well, what, what are we talking about today? You guys are each other getting kids, not married? What is going on?
4:51 Speaker 03 Um, we had talked about getting married, but it has not been financially feasible yet, so we're waiting. Um, but we've been together since 2018, so, uh, and we've lived together since 2019.
5:09 Caleb Hammer? You know what? I sat down and I was like, these people are very interesting, and I noticed your truck, and I was like, what, what is she? What does she remind me of? You look like the second coming, but with the golden arches applied.
5:24 Caleb Hammer? Interesting, I see it. Okay, okay. Sorry, I didn't hear anything you said before that. I was just so focused on how you look like Jesus.
5:37 Speaker 03 I don't know.
5:38 Caleb Hammer? Times two.
5:39 Speaker 03 Okay.
5:40 Caleb Hammer? Okay, and you? Well, what, what? Uh, what, what are we talking about?
5:44 Speaker 04 Uh, we're kinda just trying to figure out who is the problem spender.
5:50 Caleb Hammer? How do you guys not know?
5:52 Speaker 03 We both spend.
5:53 Speaker 04 Yeah, we, we share a lot of our finances, so we, uh, we, we kinda don't watch over.
6:00 Caleb Hammer? Who's the problem? What would you say?
6:04 Speaker 03 Um, probably Boudreaux.
6:06 Caleb Hammer? Is this true, Boudreaux?
6:08 Speaker 04 Um, maybe sometimes. Um, I think there's definitely some times that she could be the problem spender, and, uh...
6:20 Caleb Hammer? You're both lip smackers. Let's, let's not do that. Okay.
6:24 Speaker 03 Okay, um...
6:27 Speaker 03 Maybe occasionally, but um I think he does most of the spending um on most of our cards. You can tell later when we look at the records.
6:40 Caleb Hammer? Okay, so obviously we're in insane amount of debt. Why are you guys not married?
6:46 Speaker 03 Um.
6:47 Caleb Hammer? We've been together forever, right? Like you started sticking it in a minimum six and a half years ago.
6:52 Speaker 04 I uh, I kinda wanna wait until.
6:55 Caleb Hammer? Stop smacking your lips!
6:57 Speaker 04 I have the money to give her like a better wedding.
7:02 Caleb Hammer? A better wedding, better wedding than?
7:05 Speaker 04 Than just like a courthouse wedding.
7:08 Caleb Hammer? Okay, you've had six and a half years to do this so far.
7:11 Speaker 04 And it seems like it's just getting worse financially.
7:15 Caleb Hammer? Why?
7:17 Speaker 04 Our spending habits.
7:18 Caleb Hammer? Then what are we prioritizing?
7:20 Speaker 03 Um, we have been trying to pay down our debt recently, but it seems like every time we start making a break, we get comfortable again and we see that we have extra money to spend and we tend to spend it going out or bringing our kids to do things. Um, and we have two cars that seem to need a lot of work.
7:52 Caleb Hammer? What does that mean? Stop smacking your damn lips! I'm gonna punch you both! Okay? Jeez, let's talk about your finances. I can only focus on the lip smacking. So, okay, I get it. Now why are these cars having so many issues in your, to you?
8:10 Speaker 03 Um, they are both oh one and they were pre-owned and they're just having problems due to
8:20 Speaker 04 They're just really old cars.
8:22 Speaker 03 Older age.
8:23 Caleb Hammer? So how's the finances running in the household? Cause I assume you guys live together, right? We have the kids together, so we're not married yet. Okay, whatever. We're waiting forever to do it cause we'll never fix our finances and it's only getting worse, whatever. Okay, cool, got it! But how are you guys managing the finances of household? How are the conversations going? What is the knowledge of the entire household finances from both? You guys are twins! You guys are twins. I'm just looking side to side and you guys are twins. Just.
8:51 Caleb Hammer? The male version and the female version. You guys are twins. Okay, okay, okay, sorry.
8:56 Speaker 03 Okay.
8:57 Caleb Hammer? Sorry, I have just so many perceptions right here. There's one thing, I've met people like you before. I feel like I've only seen you on the internet. We're on the internet right now.
9:05 Speaker 03 We, we are on the internet right now.
9:07 Caleb Hammer? So how are the finances done in the house?
9:10 Speaker 04 Uh, we.
9:11 Caleb Hammer? How are they discussed?
9:12 Speaker 04 We share pretty much everything. Um, we might not talk about it every time we like, probably maybe once a month.
9:23 Caleb Hammer? Okay, and once a month's not necessarily bad, but how are these conversations going?
9:27 Speaker 03 Um, usually for the finances, he will write down, um, all of our bills, how much we owe.
9:35 Caleb Hammer? Okay.
9:36 Speaker 03 And.
9:37 Caleb Hammer? Very manual, okay.
9:38 Speaker 03 Um, that's about it. And then we usually discuss when they're due and like, what paycheck will go towards those bills.
9:47 Caleb Hammer? I mean, Lindsay's telling me, uh, right now that you've told her 80% of the time you guys are on the same page. But the other 20% just completely not.
9:56 Speaker 03 Yes, um.
9:57 Caleb Hammer? And if we're aware of our finances, then answer this question to me. What percentage of our income is spent on fast food? Just going out to eat. What percentage of our spending is spent on going out to eat?
10:09 Speaker 04 Forty percent.
10:10 Speaker 03 Probably a.
10:11 Caleb Hammer? What are you doing? That's insane.
10:13 Speaker 03 Uh, it, probably a lot. We, uh.
10:16 Caleb Hammer? Well, that's not our number, but 27.7%, which is crazy, or $2,000. I'm sorry, you said 1,200 for your job hits the account. I've been distracted a lot during this episode. Uh, and about how much is the account on a monthly basis from your job?
10:31 Speaker 04 Forty-three, maybe?
10:34 Caleb Hammer? Okay, so 43, first of all, you guys spend more on going out to eat than she makes in a single month, right? That's crazy.
10:43 Caleb Hammer? But 5,500 comes in. That's our total household number on just a normal monthly basis. Take that $2,060, $2,067.20, divide that by the 5,500. And, I mean, that's your percentage of spending, but of course, our spending's all [bleep]. Percentage of income? Income alone that is going to going out to eat is 38%. Just going out to eat. That's more, a higher percentage than people are supposed to do for the roof over their head.
11:18 Caleb Hammer? What the lifestyle are we living? It can't be healthy for your kids too if we're if we're being objective about it, right? Putting feelings aside. It cannot be healthy for our kids. If forty percent of our income is going out to eat and my are we getting or are we going out to eat sweet green?
11:36 Speaker 04 I think I have a problem like with binge eating, which is a big issue.
11:41 Caleb Hammer? Okay.
11:46 Caleb Hammer? When? Walk me through it. What does it look like?
11:48 Speaker 04 I I like to go out to restaurants and go out to lunch. So even when I pack.
11:52 Caleb Hammer? Just by yourself?
11:54 Speaker 04 Um, not whenever I go to dinner, but like whenever I'm going to lunch.
11:59 Caleb Hammer? By yourself?
12:00 Speaker 04 Yeah, I do go by myself and I'll I'll spend over twenty dollars just on food.
12:06 Caleb Hammer? I guess it depends on what I mean, where are you for twenty bucks? Because twenty bucks stretches so far, you know? Only so far.
12:13 Speaker 04 Taco Bell, McDonald's.
12:14 Caleb Hammer? It stretches far. Taco Bell, that's for sure. McDonald's, little hint of mess these days, but okay. And you can tell in fact, because I have an answer to that. So.
12:22 Speaker 04 No.
12:22 Caleb Hammer? Uh, okay. And that's obviously not good. The binge eating behavior. And you said even when you pack a lunch, you go and do this?
12:29 Speaker 04 Yeah.
12:31 Caleb Hammer? Do you know this?
12:32 Speaker 03 Um, sometimes, um, sometimes he'll come back with his lunch and he'll let me know that he went and got lunch instead.
12:41 Caleb Hammer? And how you feel about it?
12:42 Speaker 04 Well, I caught her ordering DoorDash to her job or going down to the convenience store.
12:49 Caleb Hammer? The fuck? Why? How are we? DoorDash is so expensive.
12:53 Speaker 03 I have DoorDash to my job, maybe like once a month, if that, because it is.
12:59 Caleb Hammer? Okay, that doesn't sound like caught. I doubt it's once a month. That is some deflection if I've ever heard.
13:04 Speaker 03 Um.
13:05 Speaker 04 She goes to Jala's at least once a week.
13:09 Caleb Hammer? And what's that?
13:10 Speaker 03 The convenience store.
13:12 Caleb Hammer? What are you getting?
13:12 Speaker 03 I usually get the red beans and rice that they have there and cornbread.
13:19 Speaker 03 They also have like, I have gotten their fried chicken and their french fries as well, but I've been sticking to the red beans and rice and cornbread recently.
13:27 Speaker 04 We did agree that you would not order DoorDash anymore. And you kept doing it and also going to Jayless all the time.
13:37 Speaker 03 Um, yeah, well, we don't really have anything to eat at the house as we need to go get groceries.
13:45 Caleb Hammer? Is that true? We have no food at home?
13:48 Speaker 04 Um, I wouldn't say we have no food at home.
13:50 Caleb Hammer? Then what the is that kind of excuse?
13:52 Speaker 03 I do tend to just bring sandwiches.
13:54 Caleb Hammer? So she lied to you out of the gate? How's that feel?
13:59 Caleb Hammer? Um, and you didn't even call her. You know you have food at home. She says there's no food at home. So I'm gonna get done. I'm gonna go to Justine's or whatever.
14:05 Speaker 04 Well, we, all the food that we do have at home is like, we buy stuff in bulk like, uh, chicken.
14:15 Caleb Hammer? Oh, sounds edible.
14:19 Speaker 03 Yes, but we made that agreement before you decided to pay all the bills early. And since I do all the grocery shopping and the cooking.
14:32 Caleb Hammer? Wait, what's pay all the bills early mean?
14:34 Speaker 03 Um, so when we discussed earlier about when he makes the budget and we have what paycheck pays, what bills, he, uh, sometimes will go ahead and pay them early like, instead of on the due date that we expect them to come out. Um.
14:52 Caleb Hammer? What, do you guys discuss and budget this in? What's our knowledge on this?
14:56 Speaker 04 Usually I'll just pay extra on like, debt that we use for, uh, for like gas, groceries, stuff like that. I'll pay extra. That way we won't get hit.
15:08 Caleb Hammer? So much.
15:11 Caleb Hammer? This is horrible. How are we in this much debt, guys? Like, seriously? Your own, your own perception? Because this is actually a lot of paperwork. This is a lot of paperwork. More than usual on the show.
15:28 Speaker 03 We tend to get comfortable, as I mentioned earlier, and we will start spending on credit cards that we have started to pay low on because we have extra money or bills we paid early. And sometimes it's discussed, but not always.
15:50 Speaker 03 As pays most of the bills.
15:52 Caleb Hammer? It just feels like different blames and excuses. I don't know. I mean, who would you say is the most likely to hide spending from each other? Point. Okay, examples, because you both disagree. Tell me.
16:04 Speaker 04 Like we were talking about earlier, the DoorDash and going out to eat while she's working, whenever she goes on lunch and stuff.
16:12 Caleb Hammer? What would you say?
16:14 Speaker 03 Whereas we have, most of our credit cards are able to be, most of our cards are shared. He does have two accounts that I do not have, that I am not on, I cannot see.
16:29 Caleb Hammer? Really? Why?
16:30 Speaker 03 And the balance stays the same.
16:32 Speaker 04 She's an authorized user, but with certain cards, it won't like, let her see them like, like she can't log on. But she can see like, the balance that's on it.
16:43 Speaker 03 On your Apple card? It does not show me that. It just lets me spend money on there and tells me what I spent. And then we both have our SoFi cards that are SoFi accounts that are separate.
16:56 Speaker 04 Yeah, but mine, all the money in my SoFi account goes straight into my investing account.
17:02 Caleb Hammer? So what's the issue?
17:05 Speaker 03 Just that.
17:08 Speaker 03 Sometimes I think with those extra cards that we can't check up on each other, we'll sometimes just spend extra money on those.
17:15 Caleb Hammer? Who's the reason we're in debt? Point.
17:19 Caleb Hammer? Go on, completely disagree. Why? Why are we disagreeing?
17:23 Speaker 03 Um, we have always kind of agreed or like been on board with like bigger purchases. Um, but um, smaller purchases sometimes, especially when like the cars need work or other things, go ahead. Um, Pedro will go ahead and um, buy those items. And then I will just see after the fact when we have, or he'll tell me he's buying them and I won't know how much they are. And then when they come in, it'll be like, wow, that's a lot more than we expected. We need.
18:06 Caleb Hammer? Well, what would you say? Cause you pointed to her.
18:08 Speaker 04 Well, when I buy stuff for the car, it's because we need to make it back and forth to work every day. Um, but I pointed at her because a lot of the bigger purchases, I feel like I wouldn't have made
18:22 Speaker 04 without her like, kind of like pushed me a little bit more towards it.
18:26 Caleb Hammer? Hold on, you had food poisoning yesterday? Are you sure it wasn't stomach flu?
18:31 Speaker 03 No, I don't think I have stomach flu. I, I, no, I.
18:34 Caleb Hammer? How do you know?
18:35 Speaker 03 I guess I don't know. I just didn't feel good for like two or three hours yesterday, but I feel fine. No.
18:43 Caleb Hammer? Yourself?
18:48 Speaker 03 I felt fine yesterday evening and I feel fine today. Not that I'm aware of. I hope not.
18:56 Caleb Hammer? Can we get pregnant?
18:57 Speaker 04 She, she's on birth control.
18:58 Speaker 03 I am on the birth control.
19:00 Caleb Hammer? Would we be able to get pregnant without it?
19:02 Speaker 04 Yes.
19:05 Speaker 03 Probably. Yes. Yes.
19:07 Caleb Hammer? Hmm. Okay. Hmm. Should we get a pregnancy test for you for the post show? Kidding, maybe. I don't know. Who tries harder to keep their finances on track? Point.
19:18 Caleb Hammer? You guys don't agree at all. What is the disagreement on this? Why do you think you try harder? Why do you think you try harder? I'll start with you Bordeaux.
19:26 Speaker 04 Um, I watch the finances more. Um, I just kind of like watch over all of our spending and try to like, make sure that we're not going above what extra is coming into the house.
19:40 Speaker 04 And that's why I feel like I am more on top of things, basically.
19:45 Speaker 03 Um, I, he does write the budget, but he does not usually add in for the extra necessities like groceries. And we have a dog, so like dog food. And I go grocery shopping and do most of the like the shopping for items around the house. So when those aren't budgeted and accounted for, sometimes I have to remind him and be like, hey, okay, yeah, these bills are due, but we need to save up this much so we can go. Or if we have plans with friends or family, um, usually I'm the one that makes the plans on the weekends. And I'm like, hey, don't forget we're doing this and this on this weekend.
20:27 Speaker 03 So help, he keeps up with the, um, bill aspect. And usually I'm the one who has to remind him of the extra spending that we do have to also account for.
20:41 Caleb Hammer? What do you guys think your household financial score is? Zero to 10? I'm going to go three, two, one and on.
20:46 Speaker 03 One, two, three, zero.
20:47 Caleb Hammer? Okay, they are not following instructions. Okay, one and zero, got it.
20:53 Caleb Hammer? Okay. If you want your financial score, just take the assessment. It's free. It's at Calebhammer.com or go to Calebhammer.com/apply. And you can come be on financial audit. But if you don't want to be in bad finances, like most guests on this show, all you have to do is download our Dollar Wise Budgeting app and take the free trial. If you sign up for the annual version, I'll sign our budget friendly cookbook that can't be purchased anywhere else and I'll mail it directly to you. And don't forget, if you want to take all of our educational programs, you can sign up for Dollar Wise Central and get them all at a much lower cost to make it more affordable to you. Okay. So affirm, affirm.
21:32 Speaker 04 I actually paid that one off.
21:33 Caleb Hammer? Two thousand. You just, you paid this one off?
21:36 Speaker 04 Yes.
21:36 Caleb Hammer? That's incredible. How did we pay this off?
21:39 Speaker 04 I took out a loan with my 401k.
21:47 Caleb Hammer? Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, YRefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a cosign a release program so your mom or dad can step off the hook. YRefi is known for personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them.
22:31 Caleb Hammer? So if your private loans are burying you, it's time to reach out. YRefi wants to help you climb out of debt, not push you further in it. Check them out at yrefy.com/hammer. That is Y-R-E-F-Y.com/hammer, or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all. What the f**k are you talking about? Why'd you even use the word "pay off"? Why'd you even use the word "pay off", Bordeaux?
23:09 Speaker 04 Boudro.
23:10 Caleb Hammer? Um, Bordeaux.
23:13 Speaker 04 There's no R in the word, except for after the B.
23:19 Speaker 04 Yeah, there are. I took out the loan with my 401K because it was a lower interest rate.
23:26 Caleb Hammer? Yeah, but if you get fired from your job or you leave your job, that can come due. You have enough money to pay off your 401K loan?
23:33 Speaker 04 No.
23:35 Caleb Hammer? Yeah. Uh huh. And man, we've had a great rebound in the market since it tanked a couple of months ago. Sure would have sucked to be able to see any of those.
23:47 Caleb Hammer? Are you sure the total math in the end actually makes sense? What's the interest rate in the 401k?
23:51 Speaker 04 Uh, it's 8%.
23:52 Caleb Hammer? 8%? Yeah, I mean, this was at 32%. Why are we affirming though so much? Why, like affirm all the way up?
23:59 Speaker 04 Um, a couple of years ago, I got a PC, um, like a gaming PC and a
24:08 Caleb Hammer? Couple fucking years ago? You're taking out a 401k loan to get a fucking gaming PC, by the way, is how that works out. Two years ago. What? This is a two-year-old gaming PC? So does it even have the 50 series in it?
24:26 Speaker 04 Mm-hmm. It was my Christmas present.
24:30 Caleb Hammer? To yourself?
24:32 Speaker 04 Uh, yeah, we, we both agreed that I could get it for myself.
24:37 Caleb Hammer? So you said, let's get a 32% interest gaming PC that will never be able to pay off and you eventually have to put your 401k essentially on hold?
24:44 Speaker 03 Um, he did not explain all of that. He did say, could I get a gaming PC and I tend to
24:53 Caleb Hammer? You just enable.
24:54 Speaker 03 I, I have
24:55 Caleb Hammer? Why? You blame, you blame each other for everything, yet you allow each other to do, do everything?
25:02 Caleb Hammer? Make that make sense. What the, how much was this? How much was the computer?
25:08 Speaker 04 Um, I don't remember how much it was originally. I think
25:12 Caleb Hammer? Blackrock? Oh, MicroWorks? How much? No, no, no, because you owe 3, you owe 3, 2? No, the initial amount was $4,000. The did you get?
25:24 Speaker 04 Uh, it was pre-built, so
25:26 Caleb Hammer? Yeah, pre-built maxed out, right?
25:29 Speaker 04 Yeah.
25:29 Caleb Hammer? Oh, for fuck, why? Come on, what are you doing? Spend some time with your kids and wife. You're working 60 hours a week.
25:37 Speaker 04 Yeah, I
25:38 Caleb Hammer? Do you even have time for this?
25:40 Speaker 04 I like to play with my kids. Um, I usually like, I, I've introduced them
25:44 Caleb Hammer? On a gaming PC?
25:45 Speaker 04 Yeah, I, I have that and a couple of other things that I like to play with them.
25:50 Caleb Hammer? Of course you do. And how often is this?
25:55 Caleb Hammer? Justify $4,000 at 22% now putting in 401k on hold.
26:00 Speaker 03 When he first got it, he was working a little less. Um, so it was used a little more than, but recently it's been maybe once a week, usually on a Friday or a Saturday.
26:12 Caleb Hammer? But he sells it. It's not worth that much anymore. What is it going to be worth? Like 1,500?
26:19 Caleb Hammer? The GPU is still probably top of market, but, or the CPU is probably top of market, but GPU is definitely not at this point.
26:25 Speaker 04 Yeah, I don't think it's worth anything near what I paid for it.
26:29 Caleb Hammer? Oh, for sake. And now what's your 401k loan balance?
26:32 Speaker 04 Uh, $5,000 because I just took it out.
26:36 Caleb Hammer? And of course the payment gets taken from your paycheck.
26:41 Caleb Hammer? That's so stupid. 5,000? Why was it 5,000? Because this was 2,541 dollars when you took out the 401k loan.
26:51 Speaker 04 I put the, the rest of it towards like other debts, just like a little bit towards, uh.
26:57 Caleb Hammer? What are we doing? So you've never actually made progress. You've just taken out debt to cover debt.
27:03 Speaker 04 Yeah.
27:04 Caleb Hammer? If you get laid off, what are you going to do to pay that five?
27:08 Speaker 04 Um.
27:11 Caleb Hammer? Did you even know they could call it due? They very often do.
27:15 Speaker 04 I, I did know that they could call it due if I ever got fired or quit.
27:18 Caleb Hammer? Uh huh.
27:19 Speaker 04 But I've never.
27:22 Caleb Hammer? Weird tariff conversations going on. That affects drivers, truck drivers.
27:26 Speaker 04 Yeah.
27:27 Caleb Hammer? Okay. Well, great. So we're no longer spending on a firm, right?
27:33 Speaker 04 Yeah, I'm not, I'm not using a firm.
27:35 Caleb Hammer? You better not. Aviance, what? What's going on with this?
27:40 Speaker 04 Um.
27:41 Caleb Hammer? Oh, you fucking, well, it's weird because you kinda.
27:45 Speaker 04 I try to pay that one off.
27:46 Caleb Hammer? Well, you don't because fee, what's the fee? Maybe you do. I can't really tell. It looks like you do. Thirty-six percent interest rate. So you're fucking better. And also fuck you. Two hundred and thirty thousand of interest this year so far. Plus there's a monthly fee. Why even have this? If there's a monthly fee, you're essentially paying, you're replacing the interest, even if you do pay it off.
28:06 Speaker 04 Right. I, I, I try to pay it off ever since I paid it off with my tax return.
28:12 Caleb Hammer? Right. Oh, great. So like a month ago.
28:15 Speaker 04 Yeah.
28:16 Caleb Hammer? I pay it off every month, guys, starting a month ago.
28:19 Speaker 04 Yeah.
28:19 Caleb Hammer? Okay, great. So nine hundred fifty-six dollars, balance and eighty-three cents, monthly fees. Just closes the comment. It has the monthly fees. Why would you do this? Why'd you open this card?
28:29 Speaker 04 Um, it's my highest balance.
28:31 Caleb Hammer? I said, why'd you open this card?
28:33 Speaker 04 Yeah. So it has the highest amount that I can.
28:36 Caleb Hammer? Highest credit limit?
28:37 Speaker 04 Yeah, highest credit limit. Um, and I got it so my, my credit would be better. Cause I have a, a.
28:45 Caleb Hammer? That's not why you opened it. You're lying now that you're on camera. I know what the real answer to your question is. Lindsay told me what the real answer to your question is because you answered it to Lindsay.
28:56 Speaker 04 I think.
28:56 Caleb Hammer? Why'd you open this credit card?
28:57 Speaker 04 I think I use it to put a down payment on a motorcycle.
29:02 Caleb Hammer? You opened this credit card to go on a gambling trip.
29:06 Speaker 04 Oh, yeah.
29:06 Caleb Hammer? In Mississippi.
29:07 Speaker 04 That is true. I forgot about that.
29:14 Speaker 03 We did not remember that being why we opened this card, but.
29:19 Caleb Hammer? You remember to tell her a couple of days ago.
29:22 Speaker 04 Yeah, I, I just forgot.
29:23 Caleb Hammer? Conveniently how we forget once we're in front of the camera, in front of millions of people.
29:29 Speaker 04 It was my, uh, one of our friend's twenty-first birthdays. So we wanted to bring him out to Biloxi. And go gambling with him.
29:38 Caleb Hammer? I mean, now you're just getting sushi bar, the queen, pastime restaurant, pastime restaurant in Amazon. It's also stupid anyway.
29:46 Speaker 04 Um, I, I basically use it just to try to like negate the, uh, the fee every month. Um, I'm trying to use it and pay it off. That way I don't have.
29:58 Caleb Hammer? The fee's there, though.
30:00 Speaker 04 Right. But I get rewards every time I use it, so.
30:05 Speaker 03 And we were able to pay it off the last month that we used it.
30:10 Caleb Hammer? Yeah, because you got the tax return, but you have a balance now. Monthly fees are happening. You paid interest all year so far, hundreds and hundreds of dollars, tons of fees, just going out to restaurants, getting Amazon, all this bullshit, crazy $25 monthly payment. Listen, it takes eight years to pay off minimum monthly payments only. I know you're not doing that. Tell me about the reward structure.
30:31 Speaker 04 Um, I'm not quite positive. I think it's
30:34 Caleb Hammer? Then how can you say you're doing the rewards to overcome the monthly payment?
30:39 Speaker 04 I just use it. I just use it until it hits that monthly, uh, monthly fee and then I try to stop using it.
30:48 Caleb Hammer? Or just close the card. Cause look, you got into so much debt in the first place that you're accruing interest and not being able to pay it off until your tax return hit, only because you have kids, by the way, is why you got a decent tax return.
30:59 Speaker 04 Yeah.
30:59 Caleb Hammer? Mm hmm. So thanks to them, which is meant to help them. You've just paid off your previous balances and now we're going out to eat again on these cards. So either way, you know, that shows that this is a dangerous card to have because you'll fall back into old habits and we'll just wait till next year's child tax credit times two.
31:16 Speaker 04 Yeah. I, I try to use it just for things that like we need like gas and stuff, but we do go out to eat a lot and usually I'll end up using it for that as well.
31:32 Speaker 03 Um, we tend to go out a lot with coworkers and our friends that we go and see on every other weekend for D and D. Um, as they live a little over an hour away. Whenever we get there in the evenings, we usually all go out to eat as a group before we play.
31:51 Caleb Hammer? I mean, I don't know, guys. It's just, it's just, it's just stupid, the spending. It's just, you're still doing spending. We just saw the percentage of your income that goes to, it was 40% goes to going out to eat. And your kids eat what you eat most likely, right?
32:07 Speaker 04 Yeah, most of the time.
32:08 Caleb Hammer? Okay. Oh, there's gonna be, some people are gonna find this so offensive, but I also don't care because those people are probably the ones who will not make it to old age, but. How's the um, um, uh, cylindrical, so, so, so, so, so, Linda, cylindrical, the, the, the radius, the, um, circumference of the children?
32:32 Speaker 04 Uh, our son is actually pretty small for his age.
32:35 Speaker 03 He's in the 11th percentile.
32:37 Caleb Hammer? This way. Okay, and daughter.
32:40 Speaker 03 Our daughter is, um, above, and I don't know her.
32:46 Caleb Hammer? She's fat.
32:46 Speaker 03 The, in height and weight.
32:48 Caleb Hammer? Okay.
32:49 Speaker 03 She is taller and.
32:50 Caleb Hammer? Fatter.
32:51 Speaker 03 Weighs more than she should for her age.
32:54 Caleb Hammer? Okay.
32:57 Caleb Hammer? Right?
32:58 Speaker 04 It's, it's probably not.
32:59 Caleb Hammer? Eating what you eat.
33:00 Speaker 04 Yeah, it's, it's probably not healthy going out.
33:03 Speaker 03 As much as we do.
33:04 Caleb Hammer? I mean.
33:05 Speaker 04 But that's.
33:06 Caleb Hammer? How we doing? Not healthy. So yeah, I would say it's not healthy. And I'm sorry, again, I'm a fat saying this, but it's just like, when there's kids involved, uh, they eat what you eat.
33:18 Speaker 04 You know?
33:19 Caleb Hammer? At that point, you gotta think about more than just the dopamine release you're getting.
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33:44 Caleb Hammer? Well, then take the train, you f-
33:46 Speaker 05 And brand new shows, Fat and Fatter.
33:50 Caleb Hammer? That is, that one is. I would go off brand.
33:54 Speaker 05 Behind the audit.
33:56 Speaker 00 What? This was wild.
33:58 Speaker 05 Hammer versus internet.
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34:26 Caleb Hammer? Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.
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34:41 Caleb Hammer? Okay, oh, there's more spending. Oh, there's so much more spend. Oh, I'm this fucking stupid car that is accruing so much. Oh, that has fees. Bullshit. Stupid. Listen, I get it if you're putting a utility payment on here in order to get the benefit that paid off the fucking monthly fee. Just close the card anyway. Doesn't make any sense. It's a dangerous tool. It's a hammer that you're fucking taking back and hitting your own head. Then we're not even using it for that bullshit. You're using it as an excuse to go spend money. More money. Lakeside bar. Go in and get in some bullshit. Bianca Bar and Lounge. Gotti's Pizza, Lakeside Bar, Dairy Queen, I think, maybe? Lakeside Bar, Krispy Kreme, Chick-fil-A, Lakeside Bar,
35:21 Caleb Hammer? Pan Express. Again, not one single thing that is considered even remotely healthy. Uh, Chick-fil-A, you can sometimes get some good options. Chipotle, you can get some good options. And Chipotle and Chipotle, okay? But it's mostly just bullshit. And if we're being honest, are we doing the healthy options of Chipotle and Chick-fil-A?
35:37 Speaker 04 Definitely not.
35:38 Caleb Hammer? Okay, so, and thank you for being honest, but why? You're, you have to spend in order to get the rewards to negate the monthly fee, but you're using that as an excuse to just go get fucking slop.
35:52 Speaker 04 I think it also stems from the fact that I don't really have an emergency fund. I, I like to have that high limit to be able to use just in case an emergency arises.
36:03 Caleb Hammer? In high limit. What's the, but you're just blowing it all on food anyway. How about instead of just going out to eat every five seconds of our life, we build an emergency fund?
36:13 Caleb Hammer? The crazy concept.
36:16 Speaker 03 We did have one last year, um, before we totaled two of our cars.
36:21 Caleb Hammer? No gap insurance?
36:23 Speaker 03 We did on both. Uh, but we had to get rental cars and put down payments on another car.
36:29 Speaker 04 Have a rented option? We did not have a rental on our insurance.
36:32 Speaker 03 Not on our first car that was totaled, uh, but on our second one, we did.
36:36 Caleb Hammer? Share a car. Congratulations. Welcome to Co-Transportation.
36:40 Speaker 03 We did do that for a few months. We just recently got a.
36:44 Caleb Hammer? How did it drain an emergency fund then?
36:46 Speaker 03 Um, we did not have.
36:48 Speaker 04 It wasn't.
36:49 Speaker 03 We did not have.
36:49 Caleb Hammer? So it was a single month emergency fund. It's that. Okay, so that's different. Don't say we had an emergency fund. We didn't have an emergency fund. He had a barely, barely hold us over the corner. The fact that we drained a 2,000 hour emergency fund and we haven't built it back up is telling. Baton Rouge ain't expensive. It's not expensive. No one wants to live there. It's a horrible place, no offense. Um, but that's where all the cop shows are filmed, right?
37:12 Speaker 04 Yeah.
37:13 Caleb Hammer? These are the ones that I've seen, so, you know, that's all the knowledge I have on it.
37:17 Speaker 04 Yeah.
37:17 Caleb Hammer? Um, plus Louisiana is a declining state completely, so like, it just happens.
37:24 Caleb Hammer? Okay.
37:27 Caleb Hammer? Okay, what's going on with this quicksilver card?
37:30 Speaker 04 Which quicksilver is that one?
37:32 Speaker 03 Uh, uh, World Elite Mastercard Quicksilver.
37:38 Caleb Hammer? I don't know, the one at nine hundred nineteen dollars and eighty-three cents?
37:42 Speaker 04 That one's your quicksilver?
37:44 Speaker 03 Um, probably used on a lot of the same thing. Um, a lot of these cards we put money on.
37:56 Caleb Hammer? For what?
37:56 Speaker 03 Shortly.
37:56 Caleb Hammer? Um, I don't see spending on here luckily, but there is interest accruing and it's actually maxed out. That's why there's no spending. Great, okay. Why'd you open this card?
38:04 Speaker 03 Um, I.
38:06 Caleb Hammer? Cause remember, I know the real answer to this. You literally have told them the answers a couple of days ago. As they know I'm gonna ask the question, they put in what the answer is. Cause they're great, we have a level of system here, it's perfect. Hard workers.
38:22 Speaker 03 I.
38:24 Caleb Hammer? And the answer's insane. If I'm telling you the answer's insane, does that help you or is there insane things across the board?
38:31 Speaker 03 Um.
38:32 Speaker 04 We might have maxed that one out whenever I got my, uh, my motorcycle.
38:37 Caleb Hammer? Well, maybe. Maybe, I don't know if that's the exact reason, but here's what I have. She opened this card after a fight about money and this is where her, her re- retaliation card. Who the does that?
38:49 Speaker 03 Um.
38:50 Caleb Hammer? Stop smacking your lips.
38:52 Speaker 03 There was a lot of money being spent on Boudreaux's end. And there were some things that I needed, such as new glasses and we were, um, a lot of our car- the cards were being used for things, um, they should not have been used for. And we, I was mad about it and I needed to have a way to pay for things that I needed to pay for, um. And so we
39:24 Caleb Hammer? What would I say if I went back in time and spent on this card to bring it to the max? At thirty percentage, just stop, swag in those lips, I'm gonna get a spray bottle and I'm gonna spray you.
39:33 Speaker 03 Um, probably a lot of the same thing that was used on the other cards. Going out to eat.
39:40 Caleb Hammer? So it wasn't things you needed. So that was a bullshit excuse. That was a lie.
39:45 Speaker 03 Probably.
39:46 Caleb Hammer? Okay, why do you lie then? Why'd you lie?
39:49 Speaker 03 Cause it probably started as needing it for glasses, but over the years it probably just got mixed in with the rest of our cards. And just used for the same thing that they were all used for. Which ended up being
40:02 Caleb Hammer? Listen, I mean, sixty-six dollars and forty-one cents in interest this year so far. I mean, it's just, it's not a high balance, but it's a max out balance. It's a max out balance. And he has said that you use this card for Amazon purchases. Again, I don't know anything about you because I'm going blind, but they know everything about you.
40:19 Speaker 04 We did use that card a lot for stuff on Amazon for the kids.
40:23 Caleb Hammer? Pull up the Amazon. Do we share an Amazon?
40:27 Speaker 04 Yes, we do.
40:28 Caleb Hammer? Whoever wants to pull it up, pull it up.
40:33 Caleb Hammer? How many times have you dropped this phone?
40:36 Speaker 03 Um, I work, I work with children. That's bad.
40:39 Caleb Hammer? Gum food grade powder.
40:42 Speaker 03 We were making bubbles.
40:46 Caleb Hammer? Bang Energy Corn Candy Sugar Free Energy Drink.
40:49 Speaker 04 No, that one's me.
40:50 Caleb Hammer? Sugar free pulling a lot of weight there. Wanderance Handmade Antique Envelope.
40:54 Speaker 03 We had those for D and D.
40:56 Caleb Hammer? Cool, fuck your D and D. I don't give a fuck about your D and D. D and D is a fun game. Fuck you. I don't give a fuck. You're spending money when you don't have money, when your max out credit cards. What are you talking about? What are you talking about? What are you talking about? 401k loan? In order to pay off debt, don't do a D and D. Don't spend on D and D and then pay off your fucking debt instead of taking out a 401k loan. The fuck are you talking about? Dinner replenish your two thousand hour emergency fund. You don't spend money on D and D. Wax stamps for the stupid, stupid D and D. Antique wine scaling, wax beads probably for stupid D and D. Double sided glue nail stickers, vintage water cooler paper, Bang Energy Drinks. Bang Energy Drinks every second of our stupid lives. Why? We have five things in the cart. What do we have? Uh, ooh, rotatable hangers for bras.
41:41 Caleb Hammer? I was gonna say, that sounds really nice until it was for bras. I was gonna say, that'd be actually, you know, I'd be open to it. Uh, skirts, hangers, okay, we're condensing hangers. Probably have too much, too many clothes at this point then.
41:52 Speaker 03 Yeah, we're uh-
41:53 Caleb Hammer? Men's slippers, women's slippers, and men's casual shoes.
42:01 Speaker 00 This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies. 18 plus.
42:27 Caleb Hammer? Yo, Juan.
42:28 Speaker 03 Uh, I am trying to consolidate, um, for our-
42:34 Caleb Hammer? Stop!
42:38 Caleb Hammer? How do you do though? How do you do it so much?
42:40 Speaker 03 I don't know.
42:41 Caleb Hammer? After I just said it, then you did it half a second after I just said it?
42:44 Speaker 03 I don't think I notice I do it.
42:47 Speaker 03 No, no one's ever commented on it before the show.
42:50 Speaker 04 Um, just, uh, oh, she's got a wet mouth.
42:54 Caleb Hammer? Oh. Oh. Oh, no. Oh.
43:04 Caleb Hammer? Stop it. Stop it now. In fact, I'm going to go take a Sander Mind therapy session after you just said that.
43:15 Speaker 03 Um.
43:17 Caleb Hammer? Hmm.
43:18 Speaker 03 Oh, uh, nothing.
43:19 Caleb Hammer? No, that's O's and S's, not to say anything. Okay, that's okay. Apple Card, $2,313. What's going on with this one, guys? Um, the Kings and Queens of Ums, $2,313.30. Minimum monthly payment, $78.
43:40 Caleb Hammer? People, I've seen so many people online since the history of this show starts say that we have, we pay for actors to come on the show and fix the situation. If this episode doesn't prove that they're not fucking actors, I don't know what will.
43:54 Speaker 03 Um, this card, he has access to. This is, I've used it one time. This is the, the Apple Card that I do not see that I.
44:05 Caleb Hammer? Cause you've used it once.
44:06 Speaker 03 I used it once to go print something out.
44:10 Caleb Hammer? Minimum monthly payments only without any purchases. How long does this take to pay off, guys? What do we think?
44:15 Speaker 03 A couple of years.
44:16 Caleb Hammer? Okay, 13 years. What are we talking about? That's horrendous. Then we'll be 40.
44:24 Speaker 00 This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies. 18+
44:49 Caleb Hammer? Forty something, right? Forty-two? Let's be real, your phone bill probably costs more than your gym membership. And it's not even getting you in shape. That is why Helium Mobile is such a game changer. You can get a phone plan for literally $0 a month with their Zero Plan. There's no contracts, no credit card, and no, that's not code for, "We'll hit ya with a secret fee later." It's free. The wild part, you get rewarded just for using it in cloud points. Think airline miles or credit card rewards, but for your phone. You rack up points by using the service. And then cash them in for gift cards to places like Amazon, Starbucks, Sephora, DoorDash, you name it. Over 50 brands and nonprofits in the app. So not only are you saving money
45:33 Caleb Hammer? every month, you're basically getting paid to text your friends and scroll memes, coffee, takeout, and even tech paid for with points. Click the link in the description to check out the free phone plan and use code Caleb to get $10 in cloud points, which can be redeemed for gift cards to your favorite brands after being a user for 90 days. Let's get back to the video. So why doesn't she see the card, Bordeaux?
46:00 Speaker 04 Um, I have no issue showing her the card.
46:03 Caleb Hammer? So why doesn't she see it?
46:04 Speaker 04 She sees it whenever she asks to see it.
46:06 Caleb Hammer? Why don't you ask to see it more, Lady Bordeaux?
46:08 Speaker 03 I used to, um, but now I, it's had such a high limit the entire time. I can't imagine we're putting.
46:19 Speaker 04 I do.
46:19 Speaker 03 Um, and we pay, what card, what bill do you have on there?
46:23 Speaker 04 Um, I pay the Office of Motor Vehicles for Louisiana, $50 every month. So I pay towards it, an extra 50.
46:31 Caleb Hammer? Okay, I just got information on this one. We're actually gonna go more in the post show into this because it's very private information. Uh, let's just say the vast majority of this bounces through spicy material that has been purchased historically. And we'll go into the full situation in the post show for demonetization reasons and privacy reasons. So if you want to do that, check out the post show. Gotcha. That's a lot of spicy material, though. How, over how long was the spicy material? And how much was spent?
47:03 Speaker 04 I know. A few months, I want to say. I did.
47:05 Caleb Hammer? That much in a few months?
47:06 Speaker 04 I, I did pay like yearly subscriptions.
47:10 Caleb Hammer? You got goon written all over you. I see it, right? He's a gooner, right? He's a gooner, right?
47:18 Speaker 03 Possibly, um, I tend to stay out our, of that business now.
47:23 Caleb Hammer? We, uh. Stay out of the goon zone?
47:25 Speaker 03 Caused a lot of problems in the past when it was ongoing.
47:30 Caleb Hammer? Well, that's what you want to talk about in the post, right? Okay, we'll save it for there. I get it. That's fine. That's fine. I know. Privacy, scary. Hundreds of thousands of people, millions at the eclipse. I get it. Okay. So naughty, naughty, naughty, naughty, naughty little guy. A goon card, little goon card.
47:49 Caleb Hammer? Okay. Wow.
47:51 Speaker 04 I just do free stuff now.
47:52 Caleb Hammer? I've never had a Goon card before. Well, so, no, okay. Lots to dive into there. We will get there.
48:01 Caleb Hammer? Total charges, credits and returns to this period. Oh, you had some return. Well, no charges. What were these charges for? Wait, what's happening?
48:10 Speaker 04 Probably Apple.
48:12 Caleb Hammer? Oh, Apple, Apple, pull out your phone for me. Cause she did not have any subscriptions. I looked. Now, the interest at $214 this year so far, it's at a 26.24% interest rate. Again, minimum monthly payment is $78, $2,313.30 balance. If you're gonna Goon, you may as well Goon on the Fizz card, because it's a debit card that builds credit. Am I right?
48:36 Caleb Hammer? Unfortunately, there's not a Goon certification with Course Careers, but maybe I can convince him to do it. But it is good for boosting your resume. D and D Beyond.
48:46 Caleb Hammer? Okay, probably cancel that. Yeah, no more spending money on D and D. Sorry. Sorry. You already got the PC. Enjoy it. Don't buy more games.
48:57 Speaker 04 I did that because I just got into DMing for the first time.
49:01 Caleb Hammer? Okay, and now you're out of it.
49:04 Caleb Hammer? Right?
49:05 Speaker 03 Yeah, we, uh...
49:06 Caleb Hammer? Apple TV Plus is very good, but you're subscribed to your service. That's fine. That's good. Okay, I'll allow that. And I got a Plus. It's something out of the world. And we need some storage here and there. Okay. Both of you are just absolutely fucked up phones, by the way.
49:22 Speaker 03 I think it comes with territory of having kids.
49:28 Speaker 03 And...
49:30 Speaker 03 Working outside.
49:33 Caleb Hammer? Who works outside?
49:34 Speaker 03 He's in and out of his truck all day.
49:37 Speaker 04 Yeah.
49:38 Speaker 03 Dropping and hooking the trailers.
49:40 Speaker 04 I only go like a couple of miles on the road.
49:42 Caleb Hammer? I'm so sorry, buddy. But do you have like a... Taco Bell, right?
49:48 Speaker 04 Yeah, I do go to Taco Bell.
49:50 Caleb Hammer? Uh, can you, uh, type in for me, if you may?
49:56 Caleb Hammer? Your breakfast, Taco Bell, snacks, all those stuff, in as much detail as possible. Write exactly what you get in your average orders for breakfast, lunch, dinner, and snacks, please. Okay? Uh, we're gonna keep it going. You, as much detail the items, and say the restaurant locations as well. And break it down by breakfast, lunch, snack, dinner.
50:17 Caleb Hammer? Okay, quick silver card.
50:20 Caleb Hammer? Yours, his, Bordeaux's. Not Lady Bordeaux. Okay, so.
50:29 Caleb Hammer? Mr. Bordeaux, I'll let you focus on that for a second, but I'll read out this card. He has a quick silver. In that quick silver, he owes $2,473.96. These balances are insane. These minimum payments are stacking like crazy. Minimum monthly payment of $84. No new purchases, but interest accruing like crazy. Why not new purchases? It's borderline maxed out. 15 years to pay off if we do minimum payments only without any purchases. Something tells me if we get a little more room by the balance going down, we're just gonna do purchases. Historically speaking, at least on your guys' end. It is a $241 interest this year so far. We're talking, what are we talking about? Fees and interest combined like $1,500, $2,000 this year so far. Cross all the cards we're looking at. We're looking at basically just under a 30% interest rate.
51:15 Caleb Hammer? This is our entire life that we're just destroying and putting on hold dramatically.
51:21 Speaker 03 Yeah, we have.
51:22 Caleb Hammer? For what? For what? Just so we can keep going out to eat? We have kids! We don't have an emergency fund and we have kids, but we're going out to eat like crazy, 40% of our income.
51:35 Speaker 03 Yeah.
51:35 Caleb Hammer? No emergency fund, children, 40% of our income going out to eat. That is deeply unacceptable, is it not?
51:45 Speaker 03 It is.
51:45 Caleb Hammer? Then why the hell are you still doing it?
51:48 Speaker 03 Um, there is no reason for it.
51:55 Speaker 03 Anytime we go out with the kids, it's always.
51:57 Caleb Hammer? What about your breakfast?
51:58 Speaker 04 I accidentally hit enter. It was a breakfast crunch wrap. From Taco Bell.
52:03 Caleb Hammer? And what about snacks? You got any snacks?
52:05 Speaker 04 Um, no, I typically tend to like. Go Gertz or stuff that she sends me with lunch for snacks.
52:13 Caleb Hammer? Alright dude. I mean, again, this is just putting this all in these cards. We are looking at, you are consuming 4,337 calories a day. You're supposed to be at 2,500.
52:27 Speaker 04 Yeah, more or less, 25.
52:29 Caleb Hammer? So I just wanted to call that out since we're having the conversation.
52:34 Speaker 04 Yeah, I've I've put on a lot of weight over the last like year and a half, I would say.
52:38 Caleb Hammer? Which begs my question again, are you sure we can even have kids if we weren't around? I don't think so. No offense, dude. Well, when you get like to that level, because I'm like on the edge. When you get to like, you're, I think you're like double me, maybe. I'm not sure. It doesn't matter. It's not a competition. You're nuts, not potent.
52:58 Caleb Hammer? You don't carry the the little swimmies.
53:02 Caleb Hammer? Do you guys want to have another kid?
53:04 Speaker 04 I'm okay without anymore.
53:05 Caleb Hammer? Okay, well, then you're okay. We'll just die at sixty instead. But but at least no more kids.
53:12 Speaker 04 Yeah.
53:15 Caleb Hammer? I don't know. What do you think of that? What do you think of that? Four thousand three hundred calories your husband is consuming daily? Daily.
53:25 Speaker 03 That's not great. Um, I don't usually count my calories either, so I'm not sure where I'm at. I
53:36 Speaker 03 usually just eat.
53:39 Speaker 03 Whenever on the weekends, we usually both got to eat and we'll all.
53:42 Caleb Hammer? New eat. Four thousand calories a day.
53:46 Speaker 03 Possibly.
53:47 Caleb Hammer? What's your weight right?
53:48 Speaker 04 Uh, I weigh almost three hundred and I weigh, I'm five six.
53:57 Speaker 00 This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a fifty page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies. Eighteen plus.
54:24 Caleb Hammer? You have kids, you have each other. It's more than just you guys at this point, right? Uh, so your BMI is forty eight point four.
54:33 Speaker 04 I looked into.
54:33 Caleb Hammer? Which is morbidly obese.
54:34 Speaker 04 GLP one medications before.
54:37 Caleb Hammer? Yeah, it can be a good way to do it. It can be a good way to do it, but even still, what people lose like thirty pounds typically with that?
54:42 Speaker 04 Yeah.
54:43 Caleb Hammer? And, um, so you're eight point four points over morbidly obese. Eight point four points.
54:54 Speaker 04 I also haven't weighed myself in like six months.
54:56 Caleb Hammer? You think it went up? I mean, with these calories.
54:59 Speaker 04 Definitely could have. It definitely could have.
55:04 Caleb Hammer? Now, I'm in the obese category, technically, obese class one, but then there's obese class two, then morbidly obese, there's overweight, under obese class one, and then there's normal weight. In order for you to be normal weight, you would need to be at max 154 pounds, which is half of your weight. Half of your weight is considered normal weight. BMI is not perfect, but I'm just throwing it out because this is important to think about because you guys want to be there for your kids. You want to have energy for your kids. Not so your kid is eating what you're eating. Okay, if you're consuming 4,300 calories today, what's our, what are our kids doing? You know, maybe is the boy a little more active?
55:42 Speaker 03 Um.
55:42 Caleb Hammer? Is that why he's keeping it off? He's also younger.
55:45 Speaker 04 I think he might have ADHD. So he has a hard time like sitting down.
55:49 Speaker 03 He doesn't sit down and he doesn't, he's also very picky about what he eats.
55:54 Speaker 04 He is very picky.
55:55 Caleb Hammer? Good. In this context, for the first time ever. Good. Okay, it just, it just concerns me. It just concerns me. Do you understand my concern that I'm not picking on you?
56:05 Speaker 03 Yes.
56:06 Speaker 04 Yeah.
56:06 Caleb Hammer? Um, because a lot of people think it's fat phobic to like talk about it in a medical way. No. If I was sitting there and saying you're disgusting for being fat, that's like fat phobia, right? But if we're just talking about, you are not healthy.
56:17 Speaker 04 I talk about it all the time. So I don't.
56:19 Caleb Hammer? Why have you done nothing?
56:20 Speaker 04 Um.
56:22 Caleb Hammer? I'm a little bit of a hypocrite for that one, but.
56:23 Speaker 04 I think it's hard, like, working in the truck and like.
56:28 Caleb Hammer? Yeah.
56:29 Speaker 04 Staying in the truck like 12 to 13 hours a day.
56:32 Caleb Hammer? Every truck driver I've ever seen is obese. Absolutely. Yeah, but you gotta pack your foods and you gotta find times outside of work to try to get some workouts in. And again, I'm a little hypocritical for this one, but okay, Capital One saver card. Who's this?
56:49 Speaker 03 I believe that was mine.
56:51 Caleb Hammer? Okay, cool. What's up with this? Not purchasing, interest is occurring, almost maxed out.
56:59 Speaker 03 I'm not quite sure.
57:01 Caleb Hammer? All that to get to that. Okay. One thousand eight hundred sixty-three dollars and fifteen cents.
57:06 Speaker 03 A lot of these cards we've had for years and they've had high balances on them probably the entire time.
57:12 Caleb Hammer? Takes thirteen years to pay off. Minimum payment sixty-six dollars. Apparently this is the same time as your retaliation card, I'm being told, so.
57:21 Speaker 03 Yeah, um, we probably used on unnecessary purchases during that time. Um, and back in.
57:30 Caleb Hammer? I mean, you only stopped spending on it recently because it's not that far from Max.
57:33 Speaker 03 In twenty twenty-three.
57:36 Speaker 04 For like Christmas presents and stuff as well.
57:38 Speaker 03 We did go on a trip out to San Antonio in twenty twenty-three.
57:43 Caleb Hammer? San Antonio, what is like not.
57:45 Speaker 03 Uh, they had the solar eclipse.
57:46 Speaker 04 Yeah.
57:47 Caleb Hammer? Okay, but it's not expensive.
57:49 Speaker 03 I'm sure we probably used.
57:52 Caleb Hammer? It's a road trip, right?
57:53 Speaker 03 Yeah, during that time as well and use. Um.
57:59 Caleb Hammer? Well, two hundred thirty-six thousand interest accrued this year so far on this card. So the twenty-nine point seven-four percent interest rate.
58:07 Caleb Hammer? Best buy screams you.
58:09 Speaker 04 Yeah, that's me.
58:10 Caleb Hammer? There he is.
58:10 Speaker 04 Um, well, we, we had just moved into a new apartment after living with my mom and some friends.
58:17 Caleb Hammer? So better to go get some gaming things, well, go get some gaming things, right?
58:22 Speaker 04 Yeah.
58:22 Caleb Hammer? Oh, I'm a gamer, I play Fortnite.
58:24 Speaker 04 We got a TV, uh, a switch.
58:27 Speaker 03 Printer and a switch.
58:29 Speaker 04 And then we also got.
58:30 Caleb Hammer? Fuck, you need a printer at your house?
58:32 Speaker 03 I needed it for some stuff for work at the time, but it doesn't get used super, soup, it doesn't get used super often.
58:40 Caleb Hammer? Yeah, it's a printer in twenty twenty-five. It's like workplaces.
58:45 Speaker 04 I don't think we ever even got paper for the printer.
58:49 Speaker 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 set up required. Compatibility and availability varies. Eighteen plus.
59:14 Speaker 03 We've had paper, we have used.
59:16 Caleb Hammer? Sell it. Sell it. Go to Kinkinko's if you ever gotta get it, okay? You ever got a print? $1,160.19. This, this one's not maxed out. $11.62 minimum to pay. And it's actually interest free right now. And I got, I got, you got your TV so you can get your Fortnite frames. I get it. Got a switch because you have a kid, which is a good excuse to get a switch. I can't find a good excuse for me to get the switch too right now. So maybe I need to put a baby in someone and then I can get a good excuse. It's a big commitment though, just to get a switch too. 30.49% interest rate, but why isn't it, okay, so, oh, lots of deferreds. Well, one ends in, two end in a few months.
59:58 Caleb Hammer? And then the other three end at the beginning of next year in about six months.
1:00:02 Speaker 04 Yeah, I, I've been trying to make sure that I'm able to pay those off before the interest hits.
1:00:07 Caleb Hammer? It's all deferred. $613 of deferred interest has been, is just waiting, is just waiting. What are you doing?
1:00:18 Speaker 03 Guess to buy August, right?
1:00:21 Caleb Hammer? Yeah, for some of them. Yeah, two, two, a month and a half, a month and a fucking stupid half. You have to pay off $369.
1:00:34 Speaker 04 I should be able to pay that off.
1:00:38 Caleb Hammer? Uh, $369 divided by, well, really, you just have to, essentially you just have to make that payment next month. Okay. Put that in parentheses. It's essentially the only option or you get. Oh, it's a 3D printer?
1:00:59 Speaker 04 I do have a 3D printer, but no, she's talking about, uh.
1:01:03 Caleb Hammer? Why do you have a 3D printer? Sell it.
1:01:05 Speaker 04 Okay.
1:01:06 Caleb Hammer? Yeah?
1:01:07 Speaker 04 I think.
1:01:08 Speaker 03 Yeah, we, we got the 3D printer.
1:01:10 Speaker 04 I think I got it pretty cheap. Yeah.
1:01:12 Caleb Hammer? Then sell it. Make a profit.
1:01:15 Speaker 04 I usually use those for like mini fakes for D and D.
1:01:18 Caleb Hammer? Yeah, we're no longer spending money on D and D.
1:01:22 Speaker 03 Yeah, we just told them the other day that we were cutting down on how often we were coming out there.
1:01:27 Caleb Hammer? Sell it. Hey, you got a TV, you got a PS5, you didn't tell me that.
1:01:31 Speaker 04 I, I was, I was getting there.
1:01:33 Caleb Hammer? Uh huh. Professional gooner, always getting there. Never arrives.
1:01:39 Speaker 06 That's what she said.
1:01:44 Caleb Hammer? Why dude? You're just a gamer to the core, but you're blowing all your money, put it on debt. That's about the if you don't make a massive payment by this next month.
1:01:52 Speaker 04 Yeah.
1:01:54 Speaker 03 I think we had it budgeted in to pay extra towards that this month.
1:01:59 Caleb Hammer? You guys have no money. I don't know what the fuck you're talking about. Yeah. And the interest rates insane. Okay. What's the Amazon? Who has the Amazon card?
1:02:06 Speaker 04 That's me.
1:02:07 Caleb Hammer? Really?
1:02:08 Speaker 04 Yeah.
1:02:08 Caleb Hammer? Okay. What's going on? What was going on with this?
1:02:10 Speaker 04 Um, I opened it because
1:02:14 Speaker 04 I opened it because uh, I they they had this deal going on whenever you first opened it to like, get so many like
1:02:25 Caleb Hammer? And now the deal is that you're purchasing and you have a balance that you can't pay off. That takes eight years. If you only do minimum payments without purchases, which you're incapable of and $34.50, uh, $34.25 of interest accrues on a monthly basis for minimum monthly payment of $49. That's the deal. It's a good deal. Okay. Yeah, I'm sure you got some sign up bonuses. Well, look, it's you're not credit card people.
1:02:46 Speaker 03 Yeah, we got
1:02:47 Caleb Hammer? It's maxed out. It's actually maxed out.
1:02:49 Speaker 03 Yeah, we use that to get a lot of things for our apartment.
1:02:53 Speaker 04 That uh, my Amazon Prime payment goes on there and uh, I've only been making minimum payments instead of paying the extra for that.
1:03:01 Caleb Hammer? Yeah, prime and crime video.
1:03:03 Speaker 04 I think it's been going up instead of down like I wanted it to.
1:03:06 Caleb Hammer? Uh, yeah, that's what happens when we don't look at our finances. You guys said you looked like once a month, right?
1:03:10 Speaker 04 Um, I usually just look.
1:03:12 Caleb Hammer? We would catch.
1:03:13 Speaker 04 I usually just look at like the balance and
1:03:16 Caleb Hammer? And the balance isn't going down. What does that tell us? Maybe we'll look at the purchases.
1:03:20 Speaker 04 I don't think I paid attention to it that that hard.
1:03:25 Caleb Hammer? $173 of interest this year so far. 26.49% interest.
1:03:32 Caleb Hammer? This year so far. All right. Financial audit listeners. I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple of years, I finally made the switch to a better platform for investing. And I got a lot of signup bonuses, so you can get some money if you come with me. So I've made the switch to Weebull because It is the first platform that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control. I'm talking real deal charting tools, technical indicators and stock screeners that actually help you make smarter moves. So whether you're just starting out or just paper trading to learn the ropes, or you're like me and want extended hours, Weeble's built for that.
1:04:15 Caleb Hammer? And this is where this gets good, cuz if you open a new account or you're transferring one over, Weeble's tossing out some wild bonuses for only my audience. If you put in a hundred bucks, you get thirty days of Weeble premium. Transfer in or deposit two thousand to ten thousand dollars and you'll get two hundred dollars in cash right now. And if you've got big monies like five million dollars, yeah, there's up to thirty thousand dollars in cash bonuses. Oh, and I'll throw in an extra one thousand dollars and they'll throw in an extra year of Wall Street Journal. So if you've got an account just sitting somewhere collecting dust, move it to Weeble like I did. Do you wanna start investing? Do it with Weeble like I do right now. It get in the hint here, there's a lot of money just sitting there.
1:04:59 Caleb Hammer? And this is a much better platform than the one I was using before. So just go to weebel.com or click this QR code. Links are in the description below. Just get started. Get money. Credit one, credit one, who's credit one?
1:05:11 Speaker 04 That's me.
1:05:12 Caleb Hammer? Dude, this is the worst it gets. This is like the worst credit card.
1:05:15 Speaker 04 Yeah, that was my first credit card.
1:05:16 Speaker 03 Yeah, I was like, he's had that since before we met.
1:05:18 Caleb Hammer? Me, man, why? The fees that are just hitting usually.
1:05:22 Speaker 04 I used to have two. But I did cancel.
1:05:25 Caleb Hammer? Then cancel this one.
1:05:27 Speaker 04 I have to pay it off first.
1:05:29 Caleb Hammer? Pay it off, nine hundred and seventy-three dollars and fifty-seven cents. At least you're not getting those fees up the butt like usually with this. And then a twenty-eight point six-five percent interest rate for you to pay this off, forty-nine dollar minimum payment. What'd you put it on here?
1:05:46 Speaker 04 Um, I think just random bull.
1:05:50 Caleb Hammer? Did you use this card to put five hundred dollars, five hundred dollars on a motorcycle or was that the last card?
1:05:54 Speaker 04 I think I did it on a couple of cards because it was two thousand dollars.
1:05:58 Caleb Hammer? You put a down payment on a credit card for a motorcycle?
1:06:01 Speaker 04 Yeah.
1:06:01 Caleb Hammer? Do you ride the motorcycle?
1:06:03 Speaker 04 Not in the last like two years.
1:06:06 Caleb Hammer? Two fuck years, sell that shit.
1:06:08 Speaker 03 We're, we're trying to. We've been looking.
1:06:11 Caleb Hammer? Trying to?
1:06:11 Speaker 03 We've had it on Marketplace. We've talked to people.
1:06:14 Caleb Hammer? Then it's priced too high.
1:06:15 Speaker 04 Yeah.
1:06:15 Speaker 03 Yeah, cuz we were trying.
1:06:17 Caleb Hammer? To sell it for?
1:06:18 Speaker 03 What we still owe on it, cuz we financed on it.
1:06:23 Speaker 03 Ludo made some points on
1:06:27 Speaker 04 I thought it was gonna be cheaper because of gas and insurance. And then I realized that the driving in Baton Rouge is really bad. And it kind of scared me and I was like, I don't think.
1:06:37 Caleb Hammer? Yeah, you'd get shot.
1:06:38 Speaker 03 Yeah, at that time, we were living over forty-five minutes away from his job. So we were looking for, and we were sharing a car. So we were looking for something that was a little easier and would be a little cheaper for a second vehicle option. It turned out to not be feasible after we got it. But he, we, he rode it for a while and now the battery has trouble.
1:07:04 Caleb Hammer? Oh, for stupid, absolutely dumb, stupid, stupid sake. What the? Who's Capital One Platinum?
1:07:11 Speaker 04 That's me.
1:07:12 Caleb Hammer? Is everything yours?
1:07:15 Speaker 04 A lot of it's mine.
1:07:17 Speaker 03 I think we both have a platinum.
1:07:19 Caleb Hammer? Okay, balance of three hundred fifteen dollars and ninety-eight cents. The minimum monthly payment of twenty-five dollars. What's going on with this?
1:07:30 Speaker 04 In November, we decided that we were gonna get some outfits for Renaissance Festival.
1:07:36 Caleb Hammer? You f-ers. Oh, why do you spend so much money on this shit? Well, you, I would love you to, when you don't have fucking debt.
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1:08:16 Speaker 03 Yeah, we have definitely put in way too much money and time into D and D and Ren Fest and stuff over the years. It's something we enjoy, but we definitely could scale back a little bit in how much we invest.
1:08:36 Caleb Hammer? Scale back to zero. You have no money. You don't have an emergency fund.
1:08:43 Speaker 04 I figured after-
1:08:44 Caleb Hammer? You scale back. You scaled back.
1:08:47 Speaker 04 I figured after I paid for those outfits, we could continue to wear those outfits. So it was like, kind of an-
1:08:52 Caleb Hammer? Yeah, you're wearing them to Walmart?
1:08:55 Speaker 04 Just to the Renaissance Festival every year.
1:08:57 Caleb Hammer? Uh huh, and?
1:08:59 Speaker 04 And we've only worn it once, so.
1:09:01 Speaker 03 For Ren Fest last year. Or we wore them twice, the, the two times that we went this past year.
1:09:07 Caleb Hammer? Oh, for fuck's sake, dude. You've had a late fee this year.
1:09:13 Speaker 04 I did call and get them to undo that.
1:09:15 Caleb Hammer? Oh, I don't see. It's not, it's not showing me, undo. Undoed. Not showing me, undo.
1:09:21 Speaker 03 Um, that late fee was due to, we were relying on my paycheck to come in and it was the first time my paycheck ever did not come in on the-
1:09:30 Caleb Hammer? Why did it not come in?
1:09:31 Speaker 04 Capital One had a big issue, so they, uh-
1:09:35 Caleb Hammer? Shouldn't have to rely on a single paycheck to make a minimum monthly payment of $25. If that's where we are, we're, we're beyond, we're not talking about scaling back. We're talking about going to zero.
1:09:45 Speaker 04 It's, it's because I used my past paycheck to pay off all the bills because I figured there was going to be another one coming in for there.
1:09:54 Caleb Hammer? Well, I live on the edge that always have a little bit of a cushion in the checking account, like a thousand bucks.
1:09:59 Speaker 03 We sometimes have a little bit of cushion, but it's never been that much.
1:10:02 Caleb Hammer? And it never lasts that long.
1:10:04 Speaker 03 Yeah.
1:10:05 Caleb Hammer? Hundreds in interest, I think. 27.99% interest rate. Okay, Quicksilver One, who is this?
1:10:13 Speaker 03 Probably mine.
1:10:14 Caleb Hammer? Uh, finally back to her. Good. Oh, substantial balance with this one, let me tell you. Maxed out. 1,000, no, about a hundred bucks away. Ninety bucks away. $1,558.09 is out on here with a minimum monthly payment of $58. What's going on?
1:10:33 Caleb Hammer? Twelve years to pay this f***er off.
1:10:35 Speaker 04 I actually think that's my quicksilver.
1:10:37 Speaker 03 Might be your quicksilver.
1:10:37 Caleb Hammer? Oh, dude, this is you, you, you, you, you, over and over again. Maybe it is you who's this house.
1:10:44 Speaker 04 Cause mine has a sixteen hundred balance or.
1:10:47 Caleb Hammer? Thirty percent interest rate, hundred ninety seven dollars this year so far. Why'd you go into this debt?
1:10:53 Speaker 04 I wanna say that I just use it for just random bull.
1:10:59 Caleb Hammer? They're saying you got to get more credit.
1:11:01 Speaker 04 Yeah, just to have a higher balance, like a higher limit.
1:11:06 Caleb Hammer? That's so silly. Why have a higher limit that allows you to have more interest accruing constantly?
1:11:12 Speaker 04 Well, so.
1:11:12 Caleb Hammer? This ruins you.
1:11:13 Speaker 04 I get it. And then I say, I'm not gonna use this. And then.
1:11:16 Speaker 03 We end up using it.
1:11:17 Caleb Hammer? And then you do it every single time. Yeah, you think that won't apply the next time?
1:11:21 Speaker 04 Yeah.
1:11:22 Speaker 03 Um, I'm not, I don't remember which one, but some of these credit cards we did use last year for the, for the rental cars and we did accrue, we did.
1:11:32 Speaker 04 That was mission lane.
1:11:33 Speaker 03 That was the mission lane that we used.
1:11:35 Caleb Hammer? I don't know, man. Uh, discover, who has discover it?
1:11:41 Speaker 04 That's me.
1:11:42 Caleb Hammer? Dude, it's just you, you, you, you, you.
1:11:44 Speaker 04 Yeah, I.
1:11:45 Caleb Hammer? It'd be hard to problem.
1:11:46 Speaker 04 Because I, I make more than her, I'm usually able to get, uh.
1:11:51 Caleb Hammer? More, but you also spend more.
1:11:53 Speaker 04 Yeah.
1:11:54 Caleb Hammer? Or, or a combined household. Wait, we're not married. Why? Again, maybe we should, I don't know. You guys just enable each other. You guys are bad influences on each other. And you blame each other.
1:12:05 Speaker 03 We do tend to enable each other on a lot of purchases.
1:12:11 Speaker 03 But it's the purchases that we don't discuss that seem to lead to.
1:12:17 Caleb Hammer? Everything. Fifty eight dollar minimum payment, balance of a thousand six hundred sixty eight dollars and twenty three cents, thirty seven dollars, eighty five cents of interest accruing, six years to pay this one off.
1:12:30 Caleb Hammer? Oh, you got this one for a balance transfer. I wish you guys could tell me instead of what you guys told the producers the other day and then somehow completely forgot by the time you came on that show. Uh, well, it's a balance transfer, but it's a 27.24% interest.
1:12:42 Speaker 04 Well, it was supposed to be a balance transfer for zero percent interest. And then, once I got it, it didn't allow me to do a balance transfer because they only had it for a limited time for some reason. So they, they marketed it as a balance transfer, but once I got it, it wasn't. So I just kinda spent it like a normal credit card.
1:13:01 Caleb Hammer? May I ask, what's the level of Down's syndrome in this household?
1:13:05 Speaker 04 Zero, I believe.
1:13:10 Caleb Hammer? Okay, just checking the till.
1:13:13 Caleb Hammer? Uh, Care Credit.
1:13:15 Speaker 03 We got that for our dog.
1:13:16 Caleb Hammer? Of course we did, because pet insurance, why would we?
1:13:18 Speaker 03 We do have pet insurance.
1:13:20 Caleb Hammer? And, well, I guess that makes sense because it's a 485 instead of thousands and thousands, right?
1:13:25 Speaker 03 Yes, um, he, so far this year, has had to have both of his canine teeth removed. For, he was estranged, um, and they were, we brought him for his checkup this year for his rabies shots and everything to be up to date. And they said both his teeth were, canine teeth were infected or in, um,
1:13:50 Caleb Hammer? Good, I'm glad they got it.
1:13:51 Speaker 03 And so they removed both of those.
1:13:52 Speaker 04 He's also going through heartworm treatment.
1:13:55 Speaker 03 He is going through heartworm treatment right now.
1:13:56 Caleb Hammer? Okay, yeah, it's hard.
1:13:58 Speaker 04 The insurance doesn't cover his heartworms, so.
1:14:03 Caleb Hammer? Okay, it's bad insurance.
1:14:05 Speaker 04 It's because he had them, he was diagnosed with them before we got.
1:14:08 Caleb Hammer? Well, it's interest-free, $30 minimum payment. Uh, this expires on February, February, end of February next year. Okay, it is differing interest, $50 and 85 so far, 485.
1:14:25 Caleb Hammer? Pay that off, and let's call it seven months to be safe. Uh, okay, we need to make 69, we need to make a $70 payment on a monthly basis. So we need to make sure we're doing that.
1:14:36 Speaker 03 Okay.
1:14:37 Caleb Hammer? Okay.
1:14:40 Caleb Hammer? Thirty-two point nine-nine percent. Yeah, we gotta hit this hard. Okay, one main financial. Whose is and why?
1:14:47 Speaker 03 I'm.
1:14:48 Caleb Hammer? Twenty-five point two-six percent.
1:14:50 Speaker 03 I think it's both of ours.
1:14:51 Speaker 04 But it might just be on my name.
1:14:53 Caleb Hammer? Wait, what is this? Is this a car?
1:14:55 Speaker 03 No.
1:14:55 Caleb Hammer? What the is this?
1:14:57 Speaker 04 We actually switched from a different loan that had a much higher interest rate.
1:15:01 Caleb Hammer? Much higher than twenty-five point two-six?
1:15:03 Speaker 03 And much higher monthly payment.
1:15:07 Speaker 04 A shed, hoping to turn it into like a tiny home.
1:15:11 Caleb Hammer? Oh, guys, what the are you doing? What are you talking about?
1:15:14 Speaker 03 We're.
1:15:15 Caleb Hammer? And how'd that go?
1:15:16 Speaker 03 Um, it did not. Yeah, we have not been working on it. We were looking.
1:15:24 Caleb Hammer? Are you renting it?
1:15:25 Speaker 03 No.
1:15:26 Caleb Hammer? So what the is the purpose of this?
1:15:28 Speaker 03 We were looking to buy a trailer and we had put down a down payment. Um, and we had signed paperwork and we're just waiting to sign closing paperwork. And something came up. And we were not able to get it, but we had moved out of our apartment and we're living with family. And we thought it would be a easy way to cheaper.
1:15:55 Speaker 04 And have a place of our own.
1:15:56 Speaker 03 And have a place for our own to move into.
1:15:58 Caleb Hammer? Guys, what the?
1:15:59 Speaker 04 But we haven't renovated it to live in.
1:16:02 Speaker 03 Um, Ida hit later that year and then he started truck driving.
1:16:06 Caleb Hammer? Hurricane.
1:16:07 Speaker 03 And then he was over the road for the next six plus months until.
1:16:14 Speaker 04 We just don't have the money to renovate it.
1:16:16 Caleb Hammer? Yeah, no. So where'd this money go to? You're breathing heavy.
1:16:21 Speaker 03 Okay.
1:16:21 Caleb Hammer? Which is okay. It is another. No, no, no, no, no. It's okay. But it's another indication of we should probably, we need to really get on a diet. Okay, keep going.
1:16:31 Speaker 03 A year after we got the original loan with the tiny house, they cut his hours significantly. So we went from
1:16:43 Speaker 03 paying the higher interest rate and almost $800 a month for it down to the 430. That is on the one main.
1:16:51 Caleb Hammer? Yeah, it's a 428.39 on a monthly basis, 25.26% interest rate. $10,932.18 is your current balance. So what the fuck are we doing with this then? Can we get rid of it?
1:17:05 Speaker 04 We still want to pursue maybe living in it at some point, but we have to find the money to put into it to be able to.
1:17:13 Caleb Hammer? Okay, what about Mission Lane? Who's this?
1:17:14 Speaker 04 That's mine.
1:17:15 Caleb Hammer? Dude, it's all yours. She's had.
1:17:21 Caleb Hammer? Yeah.
1:17:23 Speaker 03 Most of them we share together. We just.
1:17:27 Caleb Hammer? Minimum monthly payment, $750. And 63 cents is the balance of the minimum monthly payment of 2673.
1:17:38 Speaker 04 That was when we needed the rental cars.
1:17:43 Caleb Hammer? Okay, well, we're losing $18.73 in interest for past rental cars. Her $96 this year so far at a 29.99% interest rate.
1:17:53 Speaker 04 Yeah, we even when we had the coverage for the second rental car, we still had to put the damage waiver.
1:18:01 Caleb Hammer? Which was how much?
1:18:03 Speaker 04 It was like $400.
1:18:06 Speaker 03 Yeah, it's.
1:18:07 Caleb Hammer? Here's the bike. Here's the stupid mother stupid tip bike. Okay, what the even is it? What's the model? What is the?
1:18:15 Speaker 04 It's a 2018.
1:18:18 Speaker 03 A Softail Slim.
1:18:19 Speaker 04 Softail Slim.
1:18:19 Caleb Hammer? So you rode it for two years?
1:18:21 Speaker 04 Yeah, I haven't ridden it in like two years.
1:18:25 Speaker 03 We we we jump it and we start it every once in a while, but he has not drove it in a while.
1:18:31 Caleb Hammer? 430, $430.52 a month is the payment. Or no, yeah, it's the monthly payment. What's the balance, though?
1:18:42 Speaker 04 It's like 12,000.
1:18:43 Caleb Hammer? No, at what interest rate?
1:18:46 Speaker 03 I think it's lower than that now.
1:18:47 Speaker 04 I think it's like 17%.
1:18:49 Caleb Hammer? 10,000 is 17% for a fucking motorcycle? Wow, what is it?
1:18:54 Speaker 03 Yeah, we.
1:18:58 Speaker 03 We were just going to look at it and by the end of the time we left there, we've been there a couple hours.
1:19:07 Speaker 04 I actually wanted not to get it that day. I thought about waiting and I was just kind of pushed by the salesman and by uh.
1:19:16 Caleb Hammer? Pushed, oh, are you not a fucking hu- are you not a man? Say no, not saying you can't say no to a salesman, but what the?
1:19:24 Speaker 04 Well, it wasn't just him. It was also Ruby kind of pushed me into it because it was a, it was a good idea saving gas and insurance.
1:19:33 Caleb Hammer? You pushed him into it?
1:19:34 Speaker 03 I, it was something he wanted and we thought it would make sense. It would.
1:19:40 Caleb Hammer? A father of your child?
1:19:41 Speaker 03 Yeah, looking more into it now, it definitely looks pretty dangerous. I've had a lot of relatives that ride motorcycles and they haven't had any problems on them. So I didn't realize how high it was until after looking more into it. Um, so I'm not upset that he has not been riding it as much. Um, we have been looking into trying to sell it. Um, but most of the inquiries we get are people saying that they can get a new one for not much more than ours.
1:20:10 Caleb Hammer? Yeah, probably.
1:20:12 Speaker 03 So, um.
1:20:13 Caleb Hammer? It's not a good market for you guys versus when you got it.
1:20:16 Speaker 03 Yeah, so we have not had much luck with that.
1:20:18 Caleb Hammer? What are you trying to sell? Oh, you're trying to sell for the balance of the loan we're saying 10,000?
1:20:22 Speaker 03 Um, yes.
1:20:24 Caleb Hammer? It's worth about 8,900 we're seeing.
1:20:26 Speaker 03 Yeah, we have seen that. We have considered putting it lower and then just paying the, the difference. So we would have less of a balance.
1:20:36 Caleb Hammer? No, so you don't have another minimum to pay it. You can't do anything right now. Is that all your debt?
1:20:41 Speaker 04 I think so.
1:20:42 Speaker 03 I think so. There is, it is a very long list. It is a very long list.
1:20:47 Caleb Hammer? It is a very long list. It is 42,291 dollars and 97 cents on bad debt. Not a single thing good there. You don't own your cars currently?
1:20:56 Speaker 03 We do.
1:20:57 Speaker 04 We do.
1:20:57 Speaker 03 Um, both of them, we.
1:20:59 Caleb Hammer? Is that not a debt?
1:21:00 Speaker 04 No, they, we own them outright.
1:21:02 Speaker 03 We own them. We bought them.
1:21:04 Caleb Hammer? Okay, good.
1:21:06 Caleb Hammer? Ten dollars in this checking account, what the is this?
1:21:09 Speaker 03 Um, if it's my checking account, my checks also just go straight to his.
1:21:15 Speaker 04 Uh, they're really old.
1:21:18 Caleb Hammer? Years and miles.
1:21:19 Speaker 04 They're two thousand one. Chevy Suburban and then a two thousand one.
1:21:28 Speaker 04 Uh, over two hundred thousand of those.
1:21:30 Caleb Hammer? Okay, so.
1:21:32 Speaker 03 Uh, the.
1:21:33 Caleb Hammer? What are we gonna do when they inevitably do not work sooner than later?
1:21:38 Speaker 04 I may do it, do it yourself mechanic.
1:21:41 Caleb Hammer? Cool, great. You did it for your last car, so.
1:21:44 Speaker 04 Well, those, my last cars were totaled.
1:21:47 Caleb Hammer? How?
1:21:48 Speaker 03 Um, they, the first one, we, they had, he had a one, it was just his car, like a one accident, um.
1:21:57 Speaker 04 I, I had a.
1:21:59 Caleb Hammer? What if you had a pole, what are you guys gonna do? Um, you can keep put, you can keep fixing it, but that's also money to.
1:22:04 Speaker 04 Share a car.
1:22:05 Speaker 03 That's what we had been doing, um, and then the, we went and we financed a new car last year after the first accident.
1:22:13 Caleb Hammer? Throwing away a new car every three months on you guys is going out to eat.
1:22:20 Caleb Hammer? Every three months, the amount of food you guys are putting in you is the amount that you get a okay used car, not great. Four months.
1:22:27 Speaker 04 After I hit that pole, we did buy a new car.
1:22:29 Speaker 03 And which is what we use the, and then where we use the little bit of money we had.
1:22:34 Speaker 04 Like seven days later.
1:22:36 Speaker 03 And exactly a week later, a guy ran a red light.
1:22:39 Caleb Hammer? Geez.
1:22:39 Speaker 03 And we told the accident and no one looked into it, so we were deemed both at fault.
1:22:44 Caleb Hammer? Dude, this checking account is ten dollars and fourteen cents, yet we're going and getting some bull, bull, door dashing, cash app in outdoor dashing, Chick-fil-A, Pizza Hut, food mart, food mart, food mart, bull, bull, bull, every time we go in there's this bull, your dumb little jailer thing.
1:23:00 Speaker 03 Um, yes.
1:23:01 Caleb Hammer? Surprisingly no overdrafts this year on that one.
1:23:03 Speaker 03 He.
1:23:04 Caleb Hammer? And then this other one that doesn't have much money in it.
1:23:07 Speaker 03 Money goes into his.
1:23:10 Speaker 03 Bank account.
1:23:11 Speaker 04 So the
1:23:13 Caleb Hammer? Next checking account Wendy's McDonald's going in getting some BS Lakeside Bar Texas Roadhouse Lakeside Bar Water Burger tip pizza Waffle House McDonald's McDonald's going in getting to BS AMC AMC Chili's A T M with raw Domino's Lakeside Bar walk on Punjab diarrhea.
1:23:36 Speaker 04 Is an Indian Indian place.
1:23:38 Caleb Hammer? Sounds about right and we winning us in BS again no overdraft fees savings one cent. We're on our way.
1:23:49 Speaker 04 I put all of my savings into
1:23:51 Caleb Hammer? A lot of safety for our kids.
1:23:52 Speaker 04 Investment account.
1:23:54 Caleb Hammer? That's not an emergency fund on investment accounts on an emergency fund. You don't know what the market's gonna do. Okay, this investment account $1,237. So that's what our big savings are.
1:24:06 Speaker 04 Yeah, currently.
1:24:09 Speaker 04 I'm trying to put a hundred dollars a week.
1:24:10 Caleb Hammer? Someone who's principal financial group.
1:24:13 Speaker 04 That's me.
1:24:13 Caleb Hammer? That's well, at least you're at 17,362.
1:24:16 Speaker 04 That's a 41k.
1:24:18 Caleb Hammer? Is definitely dramatically behind for retirement because before taxes, you're probably times 12 probably
1:24:29 Caleb Hammer? probably want you to yeah. For your age. We'd want you at minimum to be at about see 32,000. So we're still dramatically behind and then you have nothing, do you?
1:24:46 Speaker 03 Um, very little.
1:24:47 Caleb Hammer? Okay, we have nothing. Got you. Okay.
1:24:51 Caleb Hammer? Let's see if we can budget this, guys. This is, I don't know, I'm quite defeated. I'll be honest, just these numbers stack and stack and stack and stack and stack and stack and stack and stack and stack and stack. But your total income for the house is 5,500.
1:25:09 Caleb Hammer? Debt payments. Here we go. Our debt minimum monthly payments. None of this is even a mortgage. So $1,499.26. No car payment. We do have a bike payment, but no car payment. This is insane debt payments. What's your rent?
1:25:25 Speaker 04 1,200.
1:25:26 Caleb Hammer? Utilities? All combined plus internet?
1:25:29 Speaker 04 1,500. 210.
1:25:32 Caleb Hammer? 210.
1:25:32 Speaker 04 With internet.
1:25:33 Caleb Hammer? Good. Gas, room from drive, drive, both of you combined?
1:25:36 Speaker 04 Probably like 500.
1:25:37 Caleb Hammer? Okay, car insurance?
1:25:39 Speaker 03 Um, it's 275 for both cars.
1:25:44 Caleb Hammer? Phone bill?
1:25:46 Speaker 04 Uh, 250.
1:25:47 Caleb Hammer? Yeah, do you owe on your phones?
1:25:49 Speaker 04 She still does.
1:25:50 Caleb Hammer? Once that's paid off, switch to T-Mobile. I saw you had, or I see you have T-Mobile, so switch to Helium. 250, you said?
1:25:56 Speaker 03 Yes.
1:25:58 Caleb Hammer? Crazy. Necessary food, you and your kids. Should probably be able to do 1,200, and that's being generous. Can meal prep? And actually, I'm gonna do 1,100. Meal prep, use our budget-friendly cookbook, Meal Prep, and I don't care if you guys don't like it, or if they don't. One, diet. Two, financial diet. TP fund, anything else you and your kids need to survive? I'll do 350. Get 300. Medical, healthcare, anything on a monthly basis?
1:26:29 Speaker 03 Um, no.
1:26:30 Caleb Hammer? Copays, blah, blah, blah, prescriptions, anything like that?
1:26:33 Speaker 04 No.
1:26:34 Caleb Hammer? Uh, I don't know if I should ask this, but Jim?
1:26:38 Speaker 04 No, Jim.
1:26:38 Caleb Hammer? Okay. Uh, subscriptions, we'll do 50. What's your pet insurance?
1:26:43 Speaker 03 70.
1:26:43 Speaker 04 Oh, it's 80.
1:26:45 Caleb Hammer? 80, pet food?
1:26:47 Speaker 03 Probably about 50.
1:26:51 Caleb Hammer? Anything else that needs to be in your budget?
1:26:54 Speaker 04 I know $50 for the OMV.
1:26:57 Caleb Hammer? Um, what's that?
1:26:58 Speaker 04 Office of motor vehicles.
1:27:00 Caleb Hammer? 50?
1:27:01 Speaker 04 Yeah.
1:27:04 Caleb Hammer? I don't know how you're gonna survive. $5,564.26 is what you need to survive on a monthly basis. I mean, you're obviously underwater by $64.26. What the fuck was your plan? What was your plan? Cause I can talk about a plan, but what was your plan? Cause right now it doesn't make sense.
1:27:19 Speaker 04 I've been working a lot of overtime. Um, and just trying to like push to get.
1:27:26 Caleb Hammer? This is with your overtime though, right? Cause you said the monthly that hits your account is 4,300.
1:27:31 Speaker 04 That is on a, on a month where I'm working 60 hours a week. I can work up to 70.
1:27:36 Caleb Hammer? This dude, you're gonna have him working 70 hours a week on the road?
1:27:39 Speaker 03 He, he's not on the road. He is at home. He's not at home, but he's at a.
1:27:44 Caleb Hammer? 70 hours a week still. 70 hours a week. So you can work 30?
1:27:49 Speaker 03 It's not what I want. He is required to work those hours at his job unless he leaves.
1:27:54 Caleb Hammer? He's not required to work 70.
1:27:55 Speaker 04 Just 60. 70 is with, 70 is with.
1:27:59 Speaker 03 If they have you working Saturdays.
1:28:00 Speaker 04 Yeah.
1:28:01 Caleb Hammer? Mm hmm.
1:28:03 Speaker 03 I also pick up extra hours on the weekends and on days that we have people available to watch our kids.
1:28:09 Caleb Hammer? It's essentially the only option. Listen, here's the thing. I don't know how you come up with 369 to avoid that deferred interest. You guys don't make enough money, but let's say you bring in 6,500 instead and you have an extra, let's call it $900 with this debt.
1:28:26 Caleb Hammer? It's 900 divided by 947 months or it still takes four years, four years to pay off debt. But you guys bring in an extra net $1,000 than you do now. That's not easy. That's not as easy as that. Guys, I'll be honest.
1:28:44 Caleb Hammer? This is what I think I might do.
1:28:48 Caleb Hammer? I might prove our behavior by budgeting like crazy. Stop paying on some of the debts. Budget like crazy. No more spending. Show that you're being disciplined. And if you can do that for three months, come on the financial auto follow up channel. Let me see three months of statements. And if you do that and you're actually budgeting, you don't fuck around. Bankruptcy.
1:29:09 Caleb Hammer? Sucks. It ain't cheap, few thousand bucks. It ain't stressful, or it ain't not stressful, especially as a couple. Some can be less stressful, some can be more stressful. These are a lot of accounts. And you gotta pay for the legal behind it. And it's still gonna be under credit seven to 10 years, depending. It's gonna, yeah, you're gonna essentially have to stay at your place, because good luck getting another big apartment complex type of rent. You need to stay at your place for as long as you can. But, I mean, still four years, bringing in extra thousand dollars a month, he's already working 70? What are we doing with the kids and everything? It's hard. This might be a bankruptcy situation, but you need to prove you changed your behavior before you do it. Because if you don't, I'll see you here in two years again, being right back
1:29:52 Caleb Hammer? where you are. And we've seen that on the show. People who've been through bankruptcy and they're back to right where they were, because they didn't change your behavior. So you got credit, and then you got finances. Let's just settle credit. That might be what I do. Or, put in the hours, if you can bring in extra thousand dollars a month. There's that. Now, I know we're gonna talk about your crazy pornography in the post-show. It's gonna be very interesting. If Eric cares to hear about that, because I don't know, he spent thousands on that in a couple of months. But, um, yeah, that's gonna be interesting. So, I'm gonna do your Hammer Financial Score. Bankruptcy is probably the thing you gotta come back on the follow-up
1:30:36 Caleb Hammer? channel. But guys, listen. Join Hammer Elite in the description below. Join our membership. Hammer Elite is the middle tier. It is the best tier, best YouTube membership on the platform in the history. And they have told us that, as we are the second largest now, on our way to number one on the platform, because it is the best. So join that, thousands of hours of extra content, multiple dedicated shows a day, every single day of the work week, not just financial, more shows that you get to enjoy throughout the day. So subscribe, it's awesome. Let's get your hammer financial score spending a budget technically because a little extra money came in. I'll just do choose some extra payroll. You actually made it, but they just went all to fast food. So the spending within the budget two out of 10
1:31:19 Caleb Hammer? because it still wasn't going good spending. Debt is horrendous, but at least no collections or IRS debt. So one out of 10 is as bad as you can get without those two. Emergency fund, there's nothing zero out of 10. Retirement. Yeah. But if we combine you guys together, that brings you down dramatically. So two out of 10. Real estate, zero out of 10. It's going to be a hammer financial score of one out of 10. All right. Join us in the post show. You already know it's going to be a really goony conversation. It's going to be a good one. But if you don't want to be like someone that would be a guest on the show, all you have to do is download the Dollar Wise Budgeting app, start your free trial, sign up for the annual version. I will sign our budget friendly cookbook, mail it directly to you and join Dollar Wise Central, which is the all in one membership, which includes the budget app and all of our educational programs, all in one for
1:32:03 Caleb Hammer? a much cheaper cost than buying them individually. I'll see you in the post show. Decision was made today to keep this behind the scenes. You were sending pictures of the girls.
1:32:10 Speaker 03 I used to find out just because I would see like the payments on the card. It was like what something. It would also be like videos.
1:32:18 Caleb Hammer? Or they do just.
1:32:19 Speaker 04 Say my name.
1:32:20 Caleb Hammer? People do this?
1:32:21 Speaker 04 You can tip one there for certain things.
1:32:23 Caleb Hammer? To get tipping for? Elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.
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