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Transcript 15,092 words · 2 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. Who doesn't know that you went into debt again?
0:05 Speaker 01 No, no idea.
0:06 Caleb Hammer? You're debt substantial?
0:07 Speaker 01 Yes. Things is just the [BLEEP] and that's it. So he doesn't really know.
0:13 Caleb Hammer? You applied to come on the show and you guys traveled here together. What the [BLEEP] was he thinking? What's happening here? You smile at that. I say [BLEEP] you, I call you on your [BLEEP] and you smile? What? You taking like pride in being a [BLEEP]?
0:28 Caleb Hammer? Download my new simpler budget app today and take control of your money once and for all.
0:35 Speaker 01 Hi, I'm Caroline. I'm 29 years old. I'm from Madison, Wisconsin, and this is Financial Audit.
0:41 Caleb Hammer? Now my producers are giving everyone a little stress cube to try to make it through these conversations. Okay. Well, thanks for coming down from Wisconsin, a fellow Midwesterner, but you're escaping to the better part of the country. Cool. What do you do for a living up there in the cold?
0:56 Speaker 01 So I'm a district manager for a few Anytime Fitnesses in the area.
1:01 Caleb Hammer? Interesting. Interesting. What are you making in that position?
1:03 Speaker 01 I make around 62.
1:07 Caleb Hammer? That has to stretch decently far there.
1:09 Speaker 01 I try to make it, but it's not really.
1:12 Caleb Hammer? Okay. What is, what is you trying to make? Like that would stretch decently far there.
1:16 Speaker 01 Yeah.
1:17 Caleb Hammer? And we're not going to say what town. We know you're not in the heart of Madison or, you know, we're in a external town, which is, you could stretch it there.
1:26 Speaker 01 I could, but I could, but I'm not.
1:28 Caleb Hammer? Why are we not?
1:29 Speaker 01 Probably too far.
1:31 Caleb Hammer? Stretching too far? Why?
1:33 Speaker 01 Yeah. Spending issues. I like to spend, I like to online shop a lot.
1:38 Caleb Hammer? It's an online shopping thing?
1:39 Speaker 01 Yeah.
1:41 Caleb Hammer? Curious. Okay, 62. So what hits your account on a monthly basis?
1:44 Speaker 01 Um, around 36.
1:47 Caleb Hammer? Cool. Very good. Now with $36,000 of income, I was gonna take a look. I like to just, you usually get this just self-assess where people just think they are. How much did you spend last month making $3,600 in net? What did you spend?
2:04 Speaker 01 If I had to guess, probably definitely more than that, maybe around 45.
2:10 Caleb Hammer? Okay, 45. Well, so why would you be okay? If that is where you think you are, why would you be okay with spending $900 more than you make? 900. Why would you be okay with that?
2:21 Speaker 01 Cause I think, I tell myself I'll catch up.
2:24 Caleb Hammer? Well, okay, what's the plan for catching up? Or you just say that?
2:29 Speaker 01 I just say that. I think I've told myself I'm gonna spend less next month and the next month comes, I'm like, ah.
2:40 Caleb Hammer? So thirty six hundred came in. That's what you make, which by the way, no, I had three thousand two hundred, but. Uh, I'm just assuming maybe it's a little more normally.
2:50 Speaker 01 Sometime, so I get reimbursed for like.
2:53 Caleb Hammer? So you're counting some of the reimbursement? Okay, and you spent six thousand five hundred, so almost double, I'm.
3:03 Speaker 01 Yeah.
3:03 Caleb Hammer? Yeah, go ahead and give me something, what, what?
3:06 Speaker 01 It was Christmas.
3:10 Caleb Hammer? Christmas to spend double?
3:12 Speaker 01 Yeah.
3:12 Caleb Hammer? You're okay with this. Look at you. You're just sitting there. You're like, yes, it was Christmas. The fuck does that mean? You're okay with this?
3:18 Speaker 01 I.
3:19 Caleb Hammer? You're accepting this. You're just like fully.
3:22 Speaker 01 Yeah.
3:22 Caleb Hammer? Come on dude, we haven't even started yet and you're just being like, yeah, Christmas is perfectly okay. What are you talking about? You're just sitting there, just saying that like that's just an objective thing.
3:31 Speaker 01 Give people gifts because it makes them happy.
3:35 Caleb Hammer? It makes them happy or makes you happy? It makes you happy? Yeah, gift giving, love language, but it makes you happy. What's your retirement at, at twenty nine, same age?
3:45 Speaker 01 So, nothing.
3:47 Caleb Hammer? Okay, but we're spending double in the month of December because it is Christmas.
3:55 Caleb Hammer? I mean, your spending categories are insane. We'll go over in a second. Why are you here?
4:00 Speaker 01 So, I kind of have a really big secret that I've been keeping from. People important to me.
4:09 Caleb Hammer? Secret. Why are you, why are you talking to me for a secret? What am I telling them?
4:15 Speaker 01 Um, I need, I guess.
4:18 Caleb Hammer? That means.
4:18 Speaker 01 It's like forcing me to like get it out there.
4:23 Caleb Hammer? Okay, have you been like bottling this up? What are you gonna tell me there? You have like herpes or something?
4:27 Speaker 01 So, no.
4:28 Caleb Hammer? Okay, who's important? Let's just say who's important.
4:31 Speaker 01 So, my boyfriend, very important to me.
4:33 Caleb Hammer? Yeah, that would, keeping secrets from boyfriend. This isn't another cheating episode, is it?
4:37 Speaker 01 No.
4:38 Caleb Hammer? Endlessly, okay, we're getting cheating episodes like every second of our lives.
4:41 Speaker 01 Not me.
4:43 Caleb Hammer? Okay, then what?
4:44 Speaker 01 So.
4:45 Caleb Hammer? Wait, he's here, isn't he?
4:46 Speaker 01 He is here.
4:47 Caleb Hammer? He's in the green room.
4:48 Speaker 01 He is.
4:49 Caleb Hammer? Okay, I didn't meet him yet, but and there was someone else here. Okay.
4:52 Speaker 01 Yeah.
4:53 Caleb Hammer? Wait, okay, wait, wait.
4:55 Speaker 01 I filed bankruptcy about a year ago, over a year, about a year ago.
5:01 Caleb Hammer? He doesn't know that.
5:01 Speaker 01 He knows that.
5:02 Caleb Hammer? Oh.
5:03 Speaker 01 But he doesn't know that after the bankruptcy, I got a couple more credit cards. And that was kind of.
5:11 Caleb Hammer? Well, he doesn't know that you went into debt again.
5:13 Speaker 01 No, he has no idea.
5:19 Caleb Hammer? Your debt's substantial.
5:20 Speaker 01 Yes.
5:21 Caleb Hammer? Including the vroom, vroom, drive, drive. Your car, does he know about that?
5:24 Speaker 01 He knows about the car, because that I had the car during the bankruptcy and I didn't put it on.
5:29 Caleb Hammer? Oh, because you kept it. But all the other new debt, what does he think your debt situation is right now?
5:33 Speaker 01 He thinks it's just the car and that's it. So he doesn't really know.
5:38 Caleb Hammer? Why? Over how long? A year?
5:41 Speaker 01 I got.
5:41 Caleb Hammer? A year? Over how long? Wait, how? Okay, you applied to come on the show and you guys traveled here together. What the was he thinking was happening here?
5:50 Speaker 01 I think, I don't know, because he kind of asked me, like, why are they bringing you on? I'm like, I don't know. But um, another big thing too is with the bankruptcy, his mom actually paid for it for me.
6:03 Caleb Hammer? Wait, the bankruptcy, pay for like the legal and everything?
6:05 Speaker 01 Yes.
6:06 Caleb Hammer? So you literally had no learning lesson from it? Not only did we not change behavior because we got into debt again, but.
6:15 Caleb Hammer? You didn't even pay for actually, wait, did he know?
6:18 Speaker 01 He knew that, so I met with the lawyer. He told him how much it was, and then I was like, that's a lot of money. So I, I think it was around thirty two hundred.
6:31 Caleb Hammer? Yeah, sounds about right.
6:31 Speaker 01 Yeah, with like legal fees and like the filing and everything like that.
6:35 Caleb Hammer? How'd you even, like, why'd you even have to declare bankruptcy at twenty eight? What was life looking like?
6:39 Speaker 01 I had a lot of credit cards that I, I had like six credit cards that I maxed out.
6:47 Caleb Hammer? Balances.
6:48 Speaker 01 Like fifteen grand. And then I reconsolidated with a loan, which was fifteen grand. And then I respent.
6:57 Caleb Hammer? So why do you think that this bankruptcy would have helped then? Why do you think this bankruptcy would help then if the last time you just expunged it through a consolidation? That you wouldn't do it again? You didn't learn your lesson, and obviously if you're sitting here, you didn't learn your lesson. You know what really pisses me off about when they try to ban TikTok? You and I could go to any data brokers website right now and buy anyone's data for a few bucks. It's completely legal. Big companies with poor security are getting hacked every day, and your personal information is being sold on the dark web to spammers, scammers, and identity thieves can even target you. And they face zero repercussions from it. If the government can ban TikTok, why won't they protect you from these similar practices? It's on us to protect ourselves, and that's why I use Aura, today's sponsor.
7:41 Caleb Hammer? Aura keeps you safe online by doing all the hard work for me. They will identify data brokers who are selling my information and submit opt-out requests on my behalf. Give Aura a few weeks and you'll stop seeing your information on these sites when you search yourself, which will lead to less spam. Aura will also continuously monitor the dark web and alert me if they find my personal information has been exposed. They're gonna let me know fast if anyone tries to use this information to access my credit or bank accounts. Plus, they give me up to five million dollars in identity theft insurance should the worst-case scenario happen. You can go to my link, aura.com/hammer, to try fourteen days for free. That'll be enough time for Aura to find out if any of your personal data has been exposed.
8:24 Speaker 01 Right.
8:25 Caleb Hammer? So, and this is, I'm not against bankruptcy. People, I always, I see comments every once in a while, bankruptcy. It's not as easy as that, because then, look what happens.
8:35 Speaker 01 Right.
8:35 Caleb Hammer? You do it and you don't. Actually learn any of the lessons that got us there in the first place and then we end up on, well, guess where you're sitting?
8:43 Speaker 01 Mm hmm. I think I kinda learned.
8:46 Caleb Hammer? You wouldn't be sitting here if you learned. What do you mean you kinda learned?
8:51 Speaker 01 It's not.
8:51 Caleb Hammer? We're doing a new little thing where I honestly know nothing about your numbers.
8:54 Speaker 01 Yeah.
8:55 Caleb Hammer? I'm exploring it with the audience at the same time.
8:57 Speaker 01 Mm hmm.
8:58 Caleb Hammer? Just sounds like fun. But you would not be here. They would not have allowed you to be on here if your numbers were not bad enough to at least have an interesting solution that we're trying to solve. So what do you mean that you think you learned? Cause you would not be sitting here. So what do you mean? What do you mean?
9:14 Speaker 01 I mean, that it's not as bad as it was before. Cause before I was kinda spending it on.
9:21 Caleb Hammer? Before though.
9:22 Speaker 01 Yeah.
9:23 Caleb Hammer? Even if it's half as bad as before, it's horrible.
9:25 Speaker 01 I was spending a lot on vacations.
9:30 Speaker 01 Before the bankruptcy.
9:31 Caleb Hammer? Like what?
9:32 Speaker 01 I went to Florida a lot.
9:34 Caleb Hammer? Florida, okay. Where are you going?
9:36 Speaker 01 Sarasota?
9:36 Caleb Hammer? Disney?
9:37 Speaker 01 No, I'm not a Disney girl.
9:38 Caleb Hammer? What is a Sarasota?
9:39 Speaker 01 A beach.
9:41 Caleb Hammer? I guess you are from Minnesota. Yeah, that makes sense.
9:43 Speaker 01 Wisconsin.
9:43 Caleb Hammer? Wisconsin. You, I mean, in the summer, you got the beach right there.
9:46 Speaker 01 Yeah, but it's not as nice.
9:48 Caleb Hammer? Yeah.
9:48 Speaker 01 Yeah, but.
9:49 Caleb Hammer? Nice on the other side.
9:50 Speaker 01 Yeah, that's true. Um, so we go to Sarasota a lot with my ex at the time, who was kind of encouraging the spending.
9:58 Caleb Hammer? A year ago?
9:59 Speaker 01 So.
10:00 Caleb Hammer? Wait, what? How long have you been with this guy that you're hiding your?
10:02 Speaker 01 A year and a half.
10:03 Caleb Hammer? From?
10:03 Speaker 01 Year and a half. But, so I have an ex fiance.
10:07 Caleb Hammer? Oh, really?
10:07 Speaker 01 And that's who I was, how I spent.
10:10 Caleb Hammer? You had an ex fiance?
10:11 Speaker 01 Yeah, I did.
10:12 Caleb Hammer? Lots of ex fiance's. Well, yeah, I guess they're always your ex fiance.
10:16 Speaker 01 Yeah.
10:17 Caleb Hammer? Unless they're dead. But you still, that still would be kind of, I guess. Okay. Well, how long were you guys together?
10:24 Speaker 01 I was.
10:24 Caleb Hammer? And you're blaming your debt on your ex fiance? Didn't we literally just had this? Uh, it's probably coming out in like a week from yours or something, but what are you, what are you doing? We're blaming on ex fiance?
10:33 Speaker 01 Partly.
10:34 Caleb Hammer? It's crazy. This is an interesting little thing that I am learning. We, we have all these people that come on the show constantly and I, there's so many repeat excuses that I couldn't imagine that a normal human would make, but all of a sudden I start seeing them on repeat and here I go again with two filming sessions in a row of my ex fiance is the reason why I'm in debt. I'm not, how long were you guys together?
10:59 Speaker 01 Um, three and a half, four years.
11:03 Caleb Hammer? Okay, and how was it his fault? That wouldn't be the fault of the current boyfriend, once you break up with him and then blame everything on him.
11:10 Speaker 01 When I met him, I didn't have any credit cards and I was kind of having money issues. And he actually took out a credit card in his name and let me use it. And I was just paying the minimum on it.
11:22 Caleb Hammer? Oh, it's a credit card in his name?
11:23 Speaker 01 Right, but then after that, he was like, oh, you need more money, just apply for more credit cards. And I kinda did that over the years.
11:28 Caleb Hammer? You're making the payment on it.
11:29 Speaker 01 Just the minimum.
11:30 Caleb Hammer? Oh, fuck.
11:31 Speaker 01 Yeah.
11:32 Caleb Hammer? So his suggestion? Yeah, but you are, listen, I get it, when we're closer to someone, we're likely to take advice from them. It happens. I don't know, likely no more take advice for if I was dating someone, yeah, sure. Or the people that I'm friends with, sure, the coworkers, yeah, I would take advice. I mean, that more than I would take advice from a random stranger, of course.
11:51 Speaker 01 Of course.
11:52 Caleb Hammer? But
11:55 Caleb Hammer? I still like to put a little bit of critical thinking into something before making a big life choice. And going through the whole process of applying for credit, even though it is, sure, it's not like insanely long. You're putting thoughts into it. You had the opportunity to at least ask a question or have thoughts or go to the Google. You can't blame that all on him, you still did the action, you still went through and did that.
12:15 Speaker 01 Well, he went on vacations with me. And so the hotels went on the credit cards, driving there, gas went on the credit cards. Sometimes we would go twice a year to Florida.
12:27 Caleb Hammer? Yeah, but you're still choosing to, you guys had the conversation to do it. Yes, he was a part of that. He was a part of that. But you still went by your choice. Like you guys had a conversation, you guys planned the trip.
12:41 Speaker 01 Right.
12:41 Caleb Hammer? You did the trip. This wasn't a, he literally kidnapped you and took you there and used your money.
12:47 Speaker 01 Well.
12:48 Caleb Hammer? No, he didn't, you think, did he?
12:50 Speaker 01 No.
12:50 Caleb Hammer? Is there something we don't know about? A little, okay.
12:53 Speaker 01 Sometimes it was his idea and he didn't have the money, I didn't have the money, so I just take out a new credit card. Throw it on there.
13:02 Speaker 01 Buy gifts, get the gift shop.
13:05 Caleb Hammer? Okay.
13:06 Speaker 01 It's expensive.
13:07 Caleb Hammer? Bankruptcy for fucking gift shops.
13:09 Speaker 01 I didn't intend to go into bankruptcy. I intended on paying them off, but it kind of got away from me.
13:15 Caleb Hammer? So what do you mean? Okay, when did it start getting away from you then?
13:18 Speaker 01 I would say I have, I had the cards for a good two, three years, like throughout racking them up. And then I kind of hit a point where I switched jobs and I was making a lot less than I was.
13:30 Caleb Hammer? Uh huh.
13:31 Speaker 01 So it kind of got to the, and I moved to a new place with ex fiance, went on breaking up right after that, but that's one other story.
13:37 Caleb Hammer? Another ex fiance?
13:38 Speaker 01 No, just the same one.
13:39 Caleb Hammer? Oh my.
13:39 Speaker 01 We moved a lot in the same city, very expensive city and we moved and then I stopped paying their credit cards.
13:45 Caleb Hammer? What's a very expensive city?
13:46 Speaker 01 Madison.
13:47 Caleb Hammer? Okay.
13:48 Speaker 01 And I stopped paying the credit cards because I either pay rent and buy food.
13:52 Caleb Hammer? What was your income situation?
13:53 Speaker 01 I was making twenty dollars an hour. So like forty a year or so.
13:59 Caleb Hammer? Okay.
13:59 Speaker 01 And my minimums were getting like a hundred dollars, a hundred and fifty a month. I had the pay the loan at the time too, which was like another.
14:07 Caleb Hammer? The loan, what the fuck do you mean? Like, I don't know your loan.
14:09 Speaker 01 Sorry, the personal loan that I used to consolidate all the credit cards.
14:13 Caleb Hammer? Okay, yep, yep, yep, yep. So what's gonna be his fault? When you guys break up, hmm? What's gonna be his fault? The little trips you guys go on, are those gonna be his fault? The reason you haven't told them about your new secret little special little deaths is because of him? Cause lots of deflection right now, lots of, uh, nothing was ever my fault.
14:30 Speaker 01 Well.
14:30 Caleb Hammer? Happening here.
14:33 Speaker 01 Some stuff, but I feel like the ex really just kind of put me in a hole, but the new hole that I'm in.
14:43 Speaker 01 I don't want to blame just myself on this.
14:45 Caleb Hammer? You don't want to, what the fuck do you mean? Explain that if you're gonna be a dumb, please let me understand.
14:52 Speaker 01 I, we just, we go out to eat a lot.
14:55 Caleb Hammer? Which you can say, let's stay in.
14:56 Speaker 01 Right, but as soon as he likes to go out, I don't want to say no, and I don't want to admit to him that like I'm not financially sound to go out.
15:04 Caleb Hammer? How does he not know that? So you guys have been together for a year and a half, are you guys living together?
15:08 Speaker 01 We are living together. We are. No.
15:12 Caleb Hammer? Me.
15:13 Speaker 01 No.
15:13 Caleb Hammer? Where are we in this relationship?
15:15 Speaker 01 We are probably looking to get married.
15:21 Caleb Hammer? How soon?
15:22 Speaker 01 He, well, ask him that. I don't know. He hasn't proposed yet.
15:24 Caleb Hammer? Okay, so fiancee part two.
15:26 Speaker 01 Mm-hmm.
15:27 Caleb Hammer? Blaming Boogaloo.
15:29 Speaker 01 Mm-hmm.
15:30 Caleb Hammer? You guys haven't looked at combined finances yet.
15:32 Speaker 01 He genuinely doesn't want to because of the bankruptcy.
15:38 Caleb Hammer? Well, that also makes sense, but also he's really not going to once he finds out.
15:42 Speaker 01 Right.
15:42 Caleb Hammer? We're gonna have to tell him.
15:43 Speaker 01 Yes.
15:44 Caleb Hammer? So you're willing to, you're willing to do this, this whole thing?
15:47 Speaker 01 I, I think so, yes. Cause that's part of the reason why I'm here is kind of force me to tell him. Cause he, like I said, he's still kind of confused on like why I'm even here.
15:57 Caleb Hammer? Well, let's figure out together what your finances even are that you're hiding from him.
16:02 Speaker 01 Mm-hmm.
16:03 Caleb Hammer? Fuck. Okay, okay.
16:05 Speaker 01 Not hiding everything. Like he knows about the online shopping.
16:09 Caleb Hammer? Well, that you're doing it.
16:10 Speaker 01 Yeah.
16:11 Caleb Hammer? Does he know how much? Does he know you spent double last month of what you made?
16:14 Speaker 01 No.
16:14 Caleb Hammer? No, because you didn't know that. You thought you spent nine hundred dollars more when you spent double.
16:17 Speaker 01 Well, I tell him when I buy things, like this is on sale.
16:20 Caleb Hammer? This. This. Use the Simpler Budget app. You do not leave here until you both download it. We get you on premium for free, so you get all the features and education and live sessions. Download Simpler Budget for free, dude. You're fucking better. The fact that you did not know you spent double, you would at least know. Whether or not you were managing your budget, if you had it in there and everything was automatically connected, you would at least know that you spent double. You won't have to come in here and tell me the wrong answer. At least knowing something. And if you're educated in a situation, you can adjust your situation and try to hit the goals you want to hit.
16:54 Speaker 01 I've tried tracking my spending before.
16:56 Caleb Hammer? And how does that work? How do you do that?
16:58 Speaker 01 So I did an Excel spreadsheet. I just put in each payment or whatever spending and then...
17:04 Caleb Hammer? And look how well that works every time.
17:06 Speaker 01 I just kind of quit every like half of the month because it gets out of control and it scares me.
17:09 Caleb Hammer? That's why we've been designing this. I've seen people ask, why would I get that one? Those Excel sheets? Cause of this. People build the budget one time, then they never stick to it. This encourages actually sticking to it. It's the whole point. Okay, self-assess. Where do you think you are in the world of finances? Zero to ten. Ten being the absolute best, zero being the absolute worst. Where do you think you are? And you need to know where you think you are.
17:31 Speaker 01 One and a half.
17:32 Caleb Hammer? Okay, giving yourself a little grace of half point likely deflecting that onto the boyfriend. It says false, so I get an extra point five. All right, if you guys want your hammer financial score, it's free, link in the description below. And come on down here to Austin, Texas, escape the freezing Madison environment. Come hang with us, you'll meet the crew, we'll have a good time, I'll beat you up, I'll make a crazy thumbnail about you. It'll be a good time. What do you think, you have a good time?
17:59 Speaker 01 A blast.
18:00 Caleb Hammer? Okay. I mean, you're, you're, you're from the audience, right?
18:05 Speaker 01 Yes.
18:05 Caleb Hammer? Okay, that could be you.
18:09 Caleb Hammer? Let's see.
18:12 Caleb Hammer? What do we have here? All right, they put your credit score first.
18:15 Speaker 01 Not too bad.
18:16 Caleb Hammer? Your, oh, your credit report, what do you mean, not, what's not too bad?
18:19 Speaker 01 Credit score.
18:20 Caleb Hammer? Oh, it's not your credit score, this is something that's reported on your credit that you most likely didn't give us a statement for. Oh, it's your bankruptcy, it's your bankruptcy, yeah.
18:32 Caleb Hammer? Wow, no, it wasn't even a full year ago.
18:35 Speaker 01 Right, yeah, I think that it got, it closed June. So I filed in February, closed in June, and I was supposed to start paying my boyfriend's mom back when it was finalized.
18:49 Caleb Hammer? It was a fucking debt that she didn't pay for, she loaned you that.
18:53 Speaker 01 Right.
18:53 Caleb Hammer? Okay, so.
18:59 Caleb Hammer? Come here, okay, how was the status of that?
19:03 Speaker 01 So, I haven't talked to her about it.
19:05 Caleb Hammer? It's been a year, it's been a year. Oh, come on, why haven't you tried to talk to her like an adult? For future mom, it's his mom, you've been dating for a year and a half, you guys aren't even engaging your partner from his mom? Why not someone you know?
19:18 Speaker 01 Hmm, I don't really have anybody in my life that can give me that money, nor do I have anybody that would want to, because they kind of knew.
19:25 Caleb Hammer? So you fucking took advantage, you took advantage of a woman that doesn't fully understand you. Yes, usually, you know, mother in laws, it's usually like the, you know, wicked mother in law, and you're, you're restraining that relationship. You're destroying that relationship, you're taking advantage of a nice, older mother of the person we're marrying because you know she has one. That's kind of gross. Not gonna lie. It's a little gross. So how much do you owe her now?
19:53 Speaker 01 Thirty-two hundred?
19:55 Caleb Hammer? We haven't had this conversation with her.
19:57 Speaker 01 No.
19:57 Caleb Hammer? So there's been no agreed upon minimum monthly?
20:01 Speaker 01 I I talked to her when I originally talked to her about like her loaning me the money. She I told her I'd start paying her back right away in payments. And then she said, we'll just wait on it.
20:14 Caleb Hammer? Until.
20:15 Speaker 01 The end where it was finalized in June.
20:18 Caleb Hammer? E.
20:19 Speaker 01 And then she never brought it up. I never brought it up. So I'm like sweeping under the rug, maybe.
20:31 Caleb Hammer? Why would you sweep under a rug? A personal favor that someone did for you? Is that not beyond selfish? Especially for the person that you intend to marry. Selfish to him. So he knows about this one.
20:43 Speaker 01 He does.
20:43 Caleb Hammer? What is his opinion on whether or not you should repay this?
20:46 Speaker 01 He thinks that I should.
20:49 Caleb Hammer? Yeah. Really?
20:52 Speaker 01 But.
20:53 Caleb Hammer? Oh, there's a but. How's there a but? What could the but possibly be?
20:56 Speaker 01 He also thinks that his mom might say it was a gift.
21:00 Caleb Hammer? Fine, let her say that. Let her determine that. That's not for you to determine.
21:06 Speaker 01 Well, silently determined because she never said anything.
21:09 Caleb Hammer? No, you are taking advantage of someone who might be busy and they kind of forgot. There's lots of things. There's probably things. There's there's things. There's like a bottom million text messages for me to respond to. Things are busy. Life is busy. Not everyone has time for that. It is your responsibility as the person who has borrowed and used someone, if we're being honest, your responsibility to fucking make that connection.
21:38 Speaker 01 But when I, for example, when I miss a payment on a credit card, it's there.
21:41 Caleb Hammer? What do you mean? What do you mean? You're fucking fine. Okay, then what the fuck are you talking about if you don't? What do you mean? How much have you bought? What? What? What's that excuse that if it's not something that's in reality?
21:53 Speaker 01 I just think.
21:53 Caleb Hammer? What are you talking about?
21:55 Speaker 01 I just think that.
21:56 Caleb Hammer? That's gonna piss me off.
21:57 Speaker 01 She really wanted it. She would have asked.
21:59 Caleb Hammer? She really.
22:00 Speaker 01 Or not wanted it. But kind of. She needed it.
22:04 Caleb Hammer? If she needed, it might, it's not a need. You bought, how, where are you on this? We are not on the same platform of existence on the plane. We are not here together on this planet. What, where are your morals? Morals are subjective. Don't get me wrong, but what the is that? You have to rely on someone to ask once they've done something for you and you have agreed to pay. Was there an agreement to pay back?
22:25 Speaker 01 A verbal agreement.
22:27 Caleb Hammer? Okay, a verbal agreement is an agreement. What? You need a contract with your future mother-in-law in order to be able to do anything? You need a contract? You can talk about, okay, so you and your boyfriend are hanging out. You're like, I'll scratch your back. You scratch mine. Love back scratches. It's my dream. Calebhammer.com slash if you want to apply to be my wife. So if I'm you in that situation, boom, uh, here, play my girlfriend for a second.
22:48 Speaker 01 Sure.
22:48 Caleb Hammer? Okay.
22:49 Speaker 01 I'm breaking up with you.
22:53 Caleb Hammer? All right.
22:55 Caleb Hammer? Stop. Play with me here for a second. We're trying to make an example of how you live. I, if you scratch my back, and you know I love back scratches, I'll scratch your back. In fact, I'll give you even double the amount of time. Okay?
23:09 Speaker 01 Deal? Sure.
23:10 Caleb Hammer? Okay, there's a verbal agreement. So all of a sudden now I don't have to fucking scratch your back because you didn't write it down. Because we didn't create a little back scratch contract here for you to sign the diet of fucking line? Because we agreed on it in person via voice? We don't have to do it. I'm not held to that. Little agreement?
23:29 Speaker 01 Maybe she forgot.
23:31 Caleb Hammer? She may have. It is still on you. Where is the morals on this? Do you not understand that part? She may have forgotten. Maybe she has dementia. Maybe she's, I don't know. I couldn't tell you.
23:43 Speaker 01 Mm hmm. She's a saint.
23:44 Caleb Hammer? It is your, that's even kind of worse of you not to do it then. That kind of makes you a, if we're being honest, if we're being honest. And obviously, I guess when we bring this guy in, we gotta talk to him about this as well, then. Get his opinion on it. It's kind of, why, why does it matter on her? So was there ever, when you did the verbal agreement, was there a conversation around a potential minimum monthly payments that might be set up?
24:09 Speaker 01 I brought up that I would pay her a hundred and fifty minimum a month.
24:14 Caleb Hammer? And when did you bring that up?
24:15 Speaker 01 When I originally talked to her in January of last year.
24:21 Caleb Hammer? Year ago, we talked about our minimum. And you literally only have it because she hasn't brought it up.
24:27 Speaker 01 Right.
24:28 Caleb Hammer? That's dick behavior. That is dick behavior. You do not make insignificant income. You also split the necessary bills with him, I'm assuming, right?
24:37 Speaker 01 Yes, yeah.
24:38 Caleb Hammer? Then fuck you. While you're taking out debt to live your special little dream so you can spend double the month of December than you make because it's Christmas month? Fuck you. You have a per- you smile at that. I say fuck you. I call you on your bull. And you smile. What? You taking like pride in being a cop?
24:55 Speaker 01 Of course not, but.
24:57 Caleb Hammer? Okay, then what the is going on here? What are we talking about? What are we talking about?
25:02 Speaker 01 I mean, it's not my fault at the end of the day.
25:06 Caleb Hammer? How do you?
25:07 Speaker 01 If I keep getting, well, if I keep getting credit card offers.
25:10 Caleb Hammer? Oh, w- wait, what do you mean? Okay, so this isn't your fault either, just like with the ex-boyfriend, the first, sorry, fiance.
25:17 Speaker 01 Credit karma is like, hey, there's this credit card.
25:19 Caleb Hammer? Yeah, but you click the button. Do you not understand that you click the button? Are you not capable? It is easy. It's meant that it's a product. They're making money.
25:28 Caleb Hammer? You are doing the action. They didn't apply for you.
25:31 Speaker 01 First one I needed at the time.
25:32 Caleb Hammer? Obviously, because you you got out of a you went into bankruptcy, obviously didn't change your behavior. So you went and got a credit card. If you're gonna get a credit card, I'll at least say the FIS card because it's a debit card that builds credit. That builds credit? If you're really carrying a, did you get it to build credit? Was that the intent?
25:46 Speaker 01 Um.
25:47 Caleb Hammer? Or why did you need? Okay, so you could have used a tool like that, which only allows you to spend what you have in your checking account. It's a debit card. So what was the other half?
25:55 Speaker 01 So basically, I filed the bankruptcy. It got finalized in June, and I was doing okay financially. I was like living month to month, basically. And then.
26:03 Caleb Hammer? What do you mean? You're with him. You're splitting costs. Did you not have this job?
26:06 Speaker 01 I did, but I.
26:07 Caleb Hammer? What the are you talking about? All right, guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am gonna directly reimburse you for the $5 for upgrading or $10 if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you. All you have to do is follow the instructions that I'm gonna post in the membership area. Send us that proof, and I'm gonna send you the money and boom.
26:41 Speaker 01 Boom.
26:42 Caleb Hammer? You joined Hammer Elite for free. Yes. Seriously, guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.
26:56 Speaker 01 No, that's not true. Honestly, Ashley.
26:59 Caleb Hammer? That's Lindsay for you. Weekly live streams. So Caleb, what's your social security number? Caleb, I'm doing it. 38.
27:06 Speaker 01 That is definitely gonna get on your shirt.
27:11 Speaker 01 Three, two.
27:15 Caleb Hammer? And every single financial audit post show, plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with that. With only partial consent and then I ran off, threw up on the beach. Plus, it really helps support this channel, so let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier hammer elite so that I pay for it. This offer expires at the end of the month.
27:44 Speaker 01 Around the time of the end of the bankruptcy, I got a promotion at my job, which I was making a little bit more. So like, this is great, but I started spending more because I was making more.
27:53 Caleb Hammer? You honestly, when you mean living month to month, you're telling me you're just not willing to cut back on your bullshit. That's the reality.
28:01 Speaker 01 I need stuff.
28:02 Caleb Hammer? You need stuff, some stuff, toilet paper, yes. Gotta wipe that hole clean.
28:06 Speaker 01 Right.
28:07 Caleb Hammer? You do not have to fucking consume all the McDs that comes out of it.
28:12 Speaker 01 If I, I need clothes for work.
28:14 Caleb Hammer? Okay, how many clothes do you need from work? Is it a daily pair of clothing that you need to get? Yeah, so you go and get a pair or two of pants. That has not added up to, I'm surviving month to month. What kind of cope is that? You're bullsh- You are fucking bullshit.
28:31 Speaker 01 Makes me happy to buy.
28:32 Caleb Hammer? It makes you happy? You're drowning in debt. He doesn't know you're hiding it from your boyfriend, who you want to marry while also abusing his mother. You, that makes you happy? That makes you happy? Is that why you're a perp?
28:45 Speaker 01 Maybe.
28:49 Caleb Hammer? Don't make me not like you.
28:52 Caleb Hammer? Come on, you don't have to be an actual bad person. Well, well, you are who you are, whatever. Mission Lane, great. I haven't seen a Mission Lane card in a long time. Mission Lane, so what's going on here? One of the secret deaths, right?
29:02 Speaker 01 Yes. I, uh, I took that one out.
29:06 Caleb Hammer? It's confusing, speaking about you being a bit.
29:10 Caleb Hammer? You did come here to confess to him. Using this as the, like, okay, actually airing it out. Why do you care about that? But not these other things? These other people that you're impacting? Why do you care to confess this? You obviously feel some kind of moral buildup. That is gonna explode. But why not these other people? Why not his mom? Why is it just this?
29:35 Speaker 01 I think I just care about him the most.
29:38 Caleb Hammer? You fucking rank people?
29:40 Speaker 01 Yeah.
29:42 Caleb Hammer? I don't rank people in my life. I have a great friend group. I don't rank my friends. I don't sit there just.
29:47 Speaker 01 I mean, don't you like one better than the other?
29:50 Caleb Hammer? I mean, I probably have a person that I would like text a secret to, like a personal secret of mine. Like the most, but I'm not consciously like.
29:59 Speaker 01 Ew.
30:00 Caleb Hammer? Like if, if both, if two people ask for help at the same time, I would try to figure out a way to help them both at the same time. Now, like, sorry, you're actually further down the list this week? So, uh, you don't get the help?
30:13 Speaker 01 Well, he's number one. And then from there, it kind of goes. Family.
30:20 Caleb Hammer? But you can also. Well, where is she? The mom?
30:28 Caleb Hammer? Wow, okay.
30:29 Speaker 01 His mom or my mom?
30:30 Caleb Hammer? His.
30:31 Speaker 01 I would say top five.
30:34 Caleb Hammer? Girl. You just went through bankruptcy? This is a hidden debt? And this Mission Lane card is fucking maxed out at $1,977.96 with a minimum monthly payment of $68.58. What the actual death stupidity is this?
30:54 Speaker 01 It's not a bad minimum payment. It had much worse.
30:57 Caleb Hammer? Is, is that how this works? If, if it's not a bad? Oh, my gosh. It is Friday here in the office. I don't know when this is being uploaded, but this is Friday. You cannot be hitting me with this bullshit right before the weekend, dude. That how, how was that what is all that matters? You are maxed out here. It is a $2,000 limit. You are like 20 bucks away. How was that? How is that all that matters?
31:22 Speaker 01 If I can make the minimum, then I stay above water.
31:29 Caleb Hammer? You're purchasing almost 60 bucks on here, a card that is accruing almost $50 in interest, uninterest. Hey, how long does this take to pay off? If you just do your minimum payment, which is all you do, but you don't purchase anything on it. How much is, how long does this take to pay off? You, your little special little bankruptcy life. How long does it take to pay off?
31:47 Speaker 01 Four years.
31:47 Caleb Hammer? Okay, 12 years. You're gonna be like basically, you're gonna be 41. You're gonna be 41 and you're paying off a card that you just opened. If you're not purchasing anything else through that time, say it's your special little minimum monthly payment, which is all you can do. That's all you're capable of. Cause that's all you like to do because as long as I'm making my minimum monthly payment, I'm doing well, guys, right? Isn't that how that works? So $22.04 available.
32:12 Caleb Hammer? What are you using that? Why'd you open this?
32:14 Speaker 01 So that one I opened originally because let me kind of start from here.
32:20 Caleb Hammer? So I don't know where here is.
32:21 Speaker 01 Here is I started using an app, like a payday app to pull money.
32:27 Caleb Hammer? After being rich?
32:28 Speaker 01 Yes.
32:29 Caleb Hammer? Why? You were in the, you were in the fresh start position.
32:32 Speaker 01 Into an apartment and I needed just a little extra cash. And then I kept pulling forward and forward. And then I just kept pulling and so I got the credit card to make up for that.
32:45 Caleb Hammer? Debt for debt for not being able to just budget, for not being able to damn just budget, dude.
32:54 Caleb Hammer? This literally stems from pure behavior, not income for your situation. This has been pure behavior throughout. So go through the fucking budgeting class. You need to change your behavior around this. Go through all the classes. You get them for free, please. Be like most of the guests on the follow-up channel who come back and make progress. Please be like them. Go through the classes. You get them for free. They get them for 15% off, but you get them for free. I'm gonna
33:25 Caleb Hammer? No one bundled, but Please, you don't respect this. You think this is only takes five years to pay off? Without purchasing, you open this because you couldn't pay off the payday loans you were taking because you couldn't learn how to budget. This is just endless immaturity. These are the actions of a child. When do you turn 30-ish?
33:49 Speaker 01 December.
33:50 Caleb Hammer? Docs, okay. Yeah.
33:52 Speaker 01 I got a while.
33:53 Caleb Hammer? You're gonna be entering that third decade of your life.
33:56 Speaker 01 Mm-hmm.
33:57 Caleb Hammer? Well.
34:00 Caleb Hammer? Fourth decade of your life.
34:02 Speaker 01 Right.
34:04 Caleb Hammer? And you will have made no maturity progress.
34:08 Speaker 01 I still have 10 months.
34:12 Caleb Hammer? I'm just saying, you cannot be in your position. To be in your position is a joke. If you were 19 and you're getting this fresh start,
34:22 Caleb Hammer? this would be a different conversation. You went through bankruptcy for a reason, for a reason. Yet you are trying to, you, you, you, like, like you're addicted to it, like you want to go through it again. Because it was so much fun, fun to steal from my future mother-in-law and never pay her back. I'm gonna do it again. Oh, this time I promise I'll pay the $150. I promise, I pinky promise this time. And you never do, and then you're $300 a month, but never pay it. So what were you purchasing? Uh, gas and then I have to pay? Here it is. Here it is. Here it is. Just like the payday damn loan, now you're debt paying a debt because you kind of paid from your checking account. I don't have what is necessary in my checking account to make this special little purchase. So what do I do?
35:08 Caleb Hammer? I have to pay it. Whoopsie. I can't pay it. My after pay payments. What do I do? I use a card and max out a fucking credit card in order to make the after pay payment. That's where you are. That's where we are. And then all of a sudden, we're going to be in a position where I can't pay my mother, minimum monthly payment for a credit card. So I'm going to transfer that debt to a consolidation. So we're going to consolidate a credit card debt for a fucking after pay debt because we don't know how to budget in our damn mother fuck checking account. What the, how are you, why? Why would we be paying for this, this on a credit card on Mission Lane?
35:49 Speaker 01 It was already in my Google account. And then, so for like after pay, are you talking about after pay? So I just like connected the card into the after pay because it was so easy. I love after pay.
36:02 Caleb Hammer? No shit. You're fucking addicted to it, but you don't pay it. You put it on a maxed out fucking credit card. That is getting worse. I mean, you lost $250 in interest on this card last year.
36:11 Speaker 01 Oh.
36:12 Caleb Hammer? And you didn't even have it for the full year. So it would have been like $500 if it was the full year. Stolen from you, ripped from your existence. Zero dollars in retirement headed into our thirties. Well done.
36:22 Speaker 01 To be fair, compared to what it was before the bankruptcy.
36:26 Caleb Hammer? I don't give a, all I care is you're doing this now. Who cares? I've made lots of mistakes. We all make lots of mistakes in life. Do you judge me for the mistake I made five years ago? Or do you judge me for what I'm doing right here, right now? I only give a about, I give a shit about that. I don't care if you were incredible back then. That doesn't mean you're incredible. I don't care if it's shit here back then. All I know is that this is shit right now. That's all that matters to us right now. All I care about is you have zero dollars in retirement right now. Which also, by the way, compounding equals zero fucking dollars when you retire. I care about now because now is What impacts your future? Your past does not determine that anymore. It is the actions that you are taking. You can learn from your past. I'm not one of those endlessly just like
37:10 Caleb Hammer? and virtue signaling, yeah, people online that cares about people's past. I'm not one of those weird motherfuckers. I want to see you do well now so that your future actually is impacted in a positive way. So don't ever bring that shit up again about the past. It doesn't matter. It's done. You cleared it through bankruptcy. So it's extra done. I don't give a, okay? Got it. Thank you. What, uh, what are you still, oh, I have to pull up your after pay? Let me see. No, no, no, no, no. Why don't you just go pull it up? Have a little pull up of the after pay. Now let's see that while I squeeze on this cube of getting me through this conversation. Usually I gift the guest three therapy sessions with Sondra Mind, but I think I'm going to gift myself three free therapy sessions after this fucking one.
38:01 Caleb Hammer? Oh, to spend, to spend. That's your pre approval to spend, which is also fucking dangerous. She's pre approved. She's pre approved to spend $2,870, which means she's going to do it. Luckily, right now you only owe 129. You have two payments. Okay. What was this for? It was for Alta, Alta Beauty and Gym? You're putting your gym, your gym on after pay? So you don't only just pay that minimum monthly payment, you're not paying the minimum monthly payment for the minimum monthly payment. You defer everything. You're the defer queen. You're the queen of deferring. And you're also deferring telling him the reality of your situation, also known as your future husband.
38:42 Caleb Hammer? You are the defer princess. Easy? No, because now you have to confront the situation of which we will. I don't know when, but we will. Okay. So after pay.
38:54 Caleb Hammer? Uh, seventy-nine dollars is like the monthly, but you only essentially have to do that twice. Oh, one twenty-nine ninety-two is the balance out, so it's a little less after that first plan. This is, this is so stupid, buddy. I don't get it, dude. This is so stupid. Just, I don't know why you would do this. Major channel announcement. Budgety, budgety, budgety. It's a new year. We're all trying to budget. We're all trying to make it a little better. We're trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on.
39:37 Caleb Hammer? It's impossible to set up and it's a chaos to manage. That's why, over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life, so it should be simple. It should be chill. It should be easy to set up and easy to manage. I've called it Simpler Budget, because that's all it is. It's your Simpler Budget. But we upped the ante with continued education and an ad-free version. In the premium version of Simpler Budget, you can track your spending, set goals, and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here. There's actually weekly live sessions with financial professionals
40:19 Caleb Hammer? to answer your questions and keep you on track. They'll be teaching lessons, and you can ask them things and they will actually help. There's also weekly mini-classes, keeping you up to date and educated on every financial topic you need to improve your life. Plus, for a limited time right now, you get access to our new Budget Friendly Cookbook with fifty-five money-saving recipes to eat well without overspending. It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever. Download the Simpler Budget app today. A link in the description below. This budgeting app will change your life. Okay, yeah, let's see your orders.
41:01 Speaker 01 Oh, boy.
41:02 Caleb Hammer? Hmm, oh, history. I've never even had this app before. Never, okay, Teddy Fresh. Teddy, isn't Teddy Fresh very expensive?
41:12 Speaker 01 I'm wearing it right now, actually.
41:14 Caleb Hammer? That's Teddy Fresh?
41:15 Speaker 01 Yeah, a little teddy bear on it. It's moderate.
41:19 Caleb Hammer? Assign it?
41:20 Speaker 01 No.
41:21 Caleb Hammer? Then why are you spending this much money on, you know, endlessly, endlessly financing it? You know, I don't think she'd want you to finance it. I think she would want you to get it if you could afford it. We sell products. We sell, we sell merch. I think we just updated our merch, I think. I don't, I don't know. It's not even like a plug, because I don't even know if we did or not. Yeah, we are. But either way, I don't want you to buy it. If you have to, get after pay it and then pay your after pay on a credit card that he doesn't even know about.
41:47 Caleb Hammer? Whispering that because I don't want him to hear. Apparel. Alter, you get every second of your life. How much you gotta put on? What are we, just cake in every day of our lives? Contacts, we're getting contacts, A Y B L. Gym, gym, gym, all the gym, it's gym shoes, all the gym shoes, all the A B L gym shoes, all the shoe warehouse shoe. It's just everything, same thing. We threw an American Eagle just to mix it up. But this is, we're going crazy. I need you to close this because the fact is you have a max out credit card. You are going to spend this $2,870. You're going to spend it. It's there, so you're going to spend it. You're gonna find another little teddy. You're gonna get, you're gonna fresh it up. Okay?
42:28 Speaker 01 Mm hmm.
42:29 Caleb Hammer? You are gonna spend that and get their stuff.
42:32 Speaker 01 Definitely.
42:33 Caleb Hammer? Get their stuff if you want to. Get the other person's stuff, the person they're feeding with, I forget his name. But either way, I don't care. I'm not taking a side in that. I'm just saying you can buy whatever the you want. I just don't want you to
42:45 Caleb Hammer? finance it and then put the payment on a credit card. I think if she heard that, she wouldn't be
42:53 Caleb Hammer? thrilled with it. Okay?
42:56 Caleb Hammer? Ally.
42:59 Caleb Hammer? This is an ally credit card. I'm not used to seeing that. I'm used to seeing an ally like car loan or something.
43:03 Speaker 01 I have both, actually.
43:04 Caleb Hammer? Oh, I bet you do. You like to collect them all. Pokemon for you.
43:13 Caleb Hammer? Here we go. We have seven hundred seventy. No, that was a. Oh, yes. Okay, seventy seventy. Uh, seven seventy sixty nine. Minimum the twenty seven.
43:25 Caleb Hammer? Okay, no interest accrued. Takes three years to just to pay that off, by the way. Went in, probably didn't get anything necessary from Target because that's too small of a purchase. It is rare that anyone goes in there, we have found, and spends small amounts of money and it's not just bull.
43:41 Caleb Hammer? Mm hmm. Yeah, I thought so. NBA store.
43:45 Speaker 01 Oh, that was a Christmas gift.
43:48 Caleb Hammer? Your Christmas.
43:49 Speaker 01 Boyfriend. Got him a knife.
43:51 Caleb Hammer? Your boyfriend. That can be the Christmas gift.
43:55 Caleb Hammer? Meds for two hundred twenty three dollars.
43:57 Speaker 01 Yeah, so I started on like Ozempic, basically.
44:01 Caleb Hammer? Oh, Ozempic princess.
44:03 Speaker 01 Yeah.
44:04 Caleb Hammer? Losing the poundage.
44:06 Speaker 01 Trying to.
44:06 Caleb Hammer? So working?
44:07 Speaker 01 Yeah, a little bit.
44:08 Caleb Hammer? Guess what? I'm starving right now. But without the needle. I don't know. Too scared needles. I would take it.
44:15 Speaker 01 I got the the dis- diss- dissolvable pill. Yeah, instead of like the shot, it's like a.
44:21 Caleb Hammer? It's the same thing?
44:22 Speaker 01 Yeah.
44:24 Speaker 01 Check it out.
44:24 Caleb Hammer? Excuse me? You went into the gas station, you got some bullshit. That's certainly not helping with whatever you're doing with this Ozempic. You're going in there, you got like a monster or something as well. Then Ulta, you go to Ulta every second of your life. What the fuck are you getting?
44:38 Speaker 01 I love Ulta. I buy a lot of hair products.
44:40 Caleb Hammer? Okay, I was gonna say you're not wearing like the most amount of makeup. So it's like, what? Okay, an American eagle. Great. You said I need clothes, but there was like shoes every five seconds on your after pay. There was, you're getting shoes and clothes just every day.
44:55 Speaker 01 Things go out of style.
44:57 Caleb Hammer? You, but you told me at the beginning for work. You did not need Teddy for work. So that was a fucking bull excuse. I was willing to go along with it until I learned more because I didn't know what's in here. Now I know you're fucking bullshitting me. You try to defer the confrontation of the conversation by making an excuse at the beginning. You are the deferring princess. No, that is not cute. You can laugh at it, but it's actually fucking your life. It's not healthy. It's not good.
45:30 Speaker 01 I work in a gym. I have to look nice, look presentable.
45:34 Caleb Hammer? So you don't even need Ozempic.
45:37 Speaker 01 It's just something I little bit I need it just to take it off. Yeah.
45:41 Caleb Hammer? Looking presentable. Yeah, but you don't need three outfits per day. You're buying so much.
45:46 Speaker 01 Well, I go to the gym in the morning, which is one outfit and then I go to work, which is another outfit. And then I get home and that's just another outfit.
45:54 Caleb Hammer? Bum clothes that you already have, but you don't need to be purchasing three per day.
46:01 Caleb Hammer? You have, you have a laundry machine. Oh, my gosh.
46:04 Speaker 01 I want to do laundry all the time.
46:06 Caleb Hammer? No, you can do it twice a week though. Are you kidding me? It's gym. You wear gym clothes. They all look the same anyway. It doesn't fucking matter. It doesn't fucking matter regardless, even if it does. Okay, it doesn't. Who cares? You have a boyfriend. You're not trying to impress anyone anyway. Who gives a, who gives a?
46:23 Speaker 01 Me. I care.
46:24 Caleb Hammer? Well, stop. I care about you getting out. I care about you fucking, I care about.
46:32 Caleb Hammer? Seriously, you are headed into a marriage. You're, you're already starting off the relationship with the mother in law, absolutely. But not only that, you're headed into the marriage with death that he doesn't know about. But not even that, you're headed into a marriage without retirement. You are going to be holding down the relationship. You are going to be the anchor. You are going to be the one that is holding you guys back as a couple. Whatever aligned goals that you guys want to have, you are not going to be able to hit that because you are going to be holding back. You are the holder backer. You are the anchor. You are destroying. One of the leading causes for divorce in this country is financial things. You are the financial thing and you're selfish and you're a.
47:09 Caleb Hammer? Bad word. Oh, there's more. There's more. Look at you. You went in, you got some little targets in the Amazon, the Amazon Rotary Botanical. And also, go ahead, let me see your altar. Stop the altar. Stop the altar. Can we stop with the altar, please? Please, can we stop with the altar? I'm gonna make him not allow you to go anywhere near an altar. Amazon.
47:36 Speaker 01 I'm an altar diver.
47:37 Caleb Hammer? Amazon.
47:43 Speaker 01 Some stuff on there is for work.
47:44 Caleb Hammer? I'm investigating.
47:47 Caleb Hammer? You got little hooks.
47:50 Speaker 01 That's for work, for the gem.
47:51 Caleb Hammer? A hard drive? A dog hard drive? What is it?
47:56 Speaker 01 That's a portable charger.
47:58 Caleb Hammer? With a dog print on it, okay? You got some superfood, uh, super berry, something?
48:04 Speaker 01 That's my skincare.
48:07 Caleb Hammer? Got a big bag. Probably didn't have a bag. You didn't have a bag. You've never had a bag in your life. And you got like bungee cords.
48:15 Caleb Hammer? Lip gloss that looks like chess pieces. Press on nails.
48:18 Speaker 01 Yeah.
48:19 Caleb Hammer? You have real nails that don't cost money. When you're dying.
48:23 Speaker 01 Wow.
48:23 Caleb Hammer? In poverty, essentially. Uh, melting forest mushroom energy. Melting forest mushroom energy. Okay. Wild. I promise you don't need that. Did we need a whiteboard? No.
48:35 Speaker 01 That's for work.
48:35 Caleb Hammer? Did we need it? No. Yoga block? Didn't need it. This bench, you did not need that. You did not need it. You can stand up and get cuts like the rest of us when you're shaving. You did not need it, okay?
48:52 Caleb Hammer? A boot tray, you did not need it. Need, you put down some paper towel, live like the rest of us up there. You are not entitled to stuff. You get press on nails every second of your life.
49:03 Speaker 01 Every week.
49:03 Caleb Hammer? Every fucking week. You are not entitled to that, lady. You don't need that. You replenish your skincare every five seconds. So I don't think it's good. It's not very cost effective. You got nipple covers.
49:17 Caleb Hammer? You returned a little stuff there.
49:21 Speaker 01 Those were, you're getting the Christmas gifts. Yeah, I love energy drinks.
49:26 Caleb Hammer? Stop. Buy from.
49:33 Caleb Hammer? Okay. So this is a firm. This isn't even Afterpay. This is a separate one. You're affirming as well? Good death lady. I don't know how you're gonna... You borrow... The balance is substantially larger on here. Okay. Affirm. We owe nine hundred seventy nine... seventy six... nine hundred seventy six dollars and sixty four cents.
49:59 Speaker 01 I think that was for tires.
50:01 Caleb Hammer? I think you're [__] up your entire existence because I see energy drink purchases on there.
50:09 Speaker 01 And energy drinks.
50:10 Caleb Hammer? Okay, minimum monthly. I can't even figure out... I hate these [__] services.
50:27 Caleb Hammer? Oh, twenty there and then seventy eight, ten. So you owe... Essentially, I'm gonna put a hundred bucks. And yes, you did do some tires on here. And yes, you gotta get your tires rotated or whatnot, or you'll lose a tire and you gotta either get it patched up or you gotta get new tires. That happens. You are financing it because you didn't have an emergency fund, because you're borrowing every cent of your life, because you're doing micro payday loans, because you're borrowing money from yourself. Even though you make enough money where if you properly budgeted your money and didn't spend double what you make in a single [__] month, you'd be able to set some money aside and you'd actually be able to do whatever tires you did in cash, pulling from an emergency fund, because it is an emergency and you would have been fine instead of [__] over your entire life and future, also including the future of your partner.
51:11 Caleb Hammer? But instead, we said, nah, I'm a child.
51:16 Speaker 01 But...
51:18 Speaker 01 Even if I did have an emergency fund, I probably still would have financed it.
51:24 Caleb Hammer? Why? But you don't even get rewards on a firm, do you?
51:27 Speaker 01 No, or I don't think so, no.
51:28 Caleb Hammer? I personally don't know because I've never used it.
51:31 Speaker 01 Just because...
51:34 Speaker 01 It's just easier, smaller payments is just easier at the end of the day.
51:39 Caleb Hammer? Are they interest free, these ones?
51:41 Speaker 01 This one, I don't think so.
51:44 Caleb Hammer? See, that doesn't make sense because you can argue the point, which by the way, you cannot manage the debt. So I don't even want to get this in your head, but for the sake of the audience, you can argue the point. If I can split it into four interest free, sure. If I take that $900 and I put it in the Mu Mu account, fine. The Mu Mu account, my investing brokerage, I take that, I just leave it there. I think you get for like three months, like eight percent on your money, you know, as like for new accounts and stuff. That's incredible. I get that if it's interest free. However, with the interest, you're likely at like a 30% interest. So you can't even justify that. You can't even justify that. You're unable to. I, it doesn't make sense. You know, you know, it doesn't make sense if it is not interest free. Please, please explain, explain. I would like you to defend that.
52:27 Speaker 01 In my brain, it's just easier for like after pay affirm rather than spending like, for example, $200 on clothes.
52:35 Caleb Hammer? Can I ask you that's easier though? If you now have more and more minimum monthly payments and one of your big things at the beginning is I can't afford to pay things because of all the minimum monthly payments.
52:48 Speaker 01 I mean, I have them auto pay, so I don't have to think about them.
52:51 Caleb Hammer? Yes, but it takes money from your account. And if you're not thinking about it actively and certainly not budgeting, because I know you don't have the simpler budget app yet. If you don't, if you're not doing that.
53:00 Speaker 01 It's usually a surprise when it pulls.
53:01 Caleb Hammer? Exactly. And that's the point. So how is that easier than going and just writing the check?
53:06 Speaker 01 In the beginning, the front half, when you, when I buy something easier, just click that button.
53:10 Caleb Hammer? That's easier because your money is not immediately gone.
53:13 Speaker 01 Right.
53:14 Caleb Hammer? Right. Why did you finance the tires? Did you have enough money?
53:17 Speaker 01 I did not. And my only other option.
53:19 Caleb Hammer? Why do you not have enough money? Is it because you possibly spent twice what you make?
53:25 Speaker 01 I would have asked my boyfriend, but
53:27 Caleb Hammer? No, please, please. Do you, do you ever borrow from him?
53:31 Speaker 01 No, no.
53:32 Caleb Hammer? Okay, so this would have been her first time?
53:35 Speaker 01 For a big amount of money, yeah.
53:37 Caleb Hammer? Why'd you, why'd you borrow from his mom and not him?
53:40 Speaker 01 He
53:41 Caleb Hammer? Can we ask that?
53:42 Speaker 01 He like had enough at the time, but it was like pretty much everything he had and I didn't want to take that away from him.
53:48 Caleb Hammer? Pay it back, alright.
53:49 Speaker 01 I was going to. If I took it from him.
53:51 Caleb Hammer? You still are.
53:52 Speaker 01 I'm going to, yeah. To his mom, yeah.
53:55 Caleb Hammer? Are you? You say yeah. But you've had no plan or any indication nor action of it. It's been a year, so what the? Yeah, what's your plan?
54:03 Speaker 01 Is to secretly save money for her and then give her one lump sum.
54:09 Caleb Hammer? Let her see some progress. Let her see that there, that her future daughter-in-law actually gets it. Let her see that. She will see that once you make a big payment, but why delay that? What if her opinion of you is secretly like, oh, she's kind of a
54:24 Speaker 01 I don't think so. She loves me.
54:26 Caleb Hammer? For now. But the longer and longer you put this off, I mean, it's just gonna show irresponsibility. Even if she loves you as a person, she's gonna be like, oh, wow, okay. My little, my little perfect kid, he's married a gold digger, little liar. Someone ju- just looks to steal money from other people and doesn't pay them back.
54:45 Speaker 01 I will pay her back.
54:46 Caleb Hammer? Yes, but you're waiting for a big lump sum and fun fact, you are saving zero cents. So I'm a little confused how you're paying this big lump sum of a substantial $3,300, your largest debt we've looked at so far. You have a card coming up, don't you? Cause we saw that in the full debt thing at the beginning.
55:04 Caleb Hammer? Okay. Mushroom forest. We do not, do not need to finance mushroom forest, the fucking energy drinks, mushroom forest.
55:14 Speaker 01 They're so good.
55:14 Caleb Hammer? She has the Celsius right now.
55:15 Speaker 01 Yeah.
55:16 Caleb Hammer? Like she is addicted. She really is. Oh, what, no, no, no, what is this? Is this PayPal credit? Please don't pay.
55:25 Speaker 01 I think PayPal Pay in four.
55:29 Caleb Hammer? Guys, should we start hammer paying for it? Because apparently that's just a better business model. Yeah, they're down. They're down. Let's just say, let's just get rid of all our morals. Apparently, the way to make money is just create a service that'll people. And that actually makes people sign up more. They're like, if I can get that's what I want to sign up for. Well, actually, that makes sense, but.
55:52 Speaker 01 Make a good point.
55:53 Caleb Hammer? Maybe we can gift you an accounting certification to course careers.
55:57 Speaker 01 My boyfriend's an accountant.
55:59 Caleb Hammer? There you go. You guys can bond over that. But it just might be good for your career. Area manager, just being able to manage the finances a little better. Fully understanding how to process those systems. I think that could be helpful. I'm glad you like your job.
56:14 Caleb Hammer? Because I'm just seeing here, I'm seeing all this cop spending. I'm like, OK, so what's wrong in life? Thought, you know, sometimes people hate their job, so they just go and spend like wild. But you, you're just like, um, stupid. So PayPal. Or, or, or is there something that I just don't know about? Would he be able to tell me something? Like, what is this cop spending?
56:33 Speaker 01 Um, I guess I've thought about it. I grew up really poor. And I think that now that I have the money to buy the things that I want that I couldn't get when I was younger. I just have all the freedom.
56:46 Caleb Hammer? We did it opposite. It's so funny. It's not funny because it's in your life, but.
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59:24 Caleb Hammer? costs. Try out the future of video creation today. When I was born, my dad was a clerk at a gas station and my mom was like front desk at an eyewear place. Like, they made minimum wage and it was [bleep] and they were, they got a very small starter home at some point, but when I was born, we lived in my grandma's place because they couldn't afford anything and eventually we lived in an apartment. Then they got like a two-bedroom small house. You know, I grew up with that too. And any kind of nice stuff we did get throughout my life, it was all on debt. So I thought, okay, maybe we were doing okay, but maybe not, you know? We grew up also poor. Not, not poor and you probably didn't grow up poor either, but lower middle class. I'm gonna just assume we can come from a similar background.
1:00:08 Caleb Hammer? But we went two different angles. You went, I couldn't spend money when I was a kid, just like I couldn't either. So I'm just gonna go blow all my money and continue that cycle of poorness. And I went, okay, I grew up where we couldn't just spend money and do all the things that other people did, or have the nice cars or anything that other people did, have the nice house that other people did, all that stuff. So I chose to correct the behavior that got the household in that place. I chose to better my life and try to learn how to budget, learn about finances, learn about real estate, learn about these things that actually make an impact so that I could live the better life. So that if I end up having kids, they don't have to go through that situation.
1:00:53 Caleb Hammer? We went two different ways and you went the wrong way. And you are going to continue the cycle. If you ever have a kid with that dude, if you're bringing these finances into this marriage with your zero dollars in retirement, your kids, his kids, y'all's collective kids are gonna take care of you because you never saved up a single cent in retirement. And it is not their responsibility, but they will, they will. They didn't consent to come into this world.
1:01:17 Caleb Hammer? You chose to bring them in, but they will, because they're not gonna let their parents die under a bridge. But you saved up zero dollars as an irresponsible thirty year old.
1:01:27 Speaker 01 Not yet.
1:01:31 Caleb Hammer? You're being a spoiled little brat because you grew up a lower middle class.
1:01:37 Caleb Hammer? Most of us were there.
1:01:40 Caleb Hammer? Well, I don't know if that's statistically true, but you and I were there.
1:01:45 Caleb Hammer? We can go two separate ways and you're going down the bad path where your kids are gonna go through the same as you. And if that's what you want, congratulations, you're doing that very well.
1:01:54 Caleb Hammer? Next, ally. Okay, you said ally was with a car. So is this a car?
1:01:58 Speaker 01 Yes.
1:01:59 Caleb Hammer? All right. What do you got?
1:02:03 Speaker 01 I have a Ford Fiesta, 2019.
1:02:05 Caleb Hammer? Okay, how's it doing?
1:02:06 Speaker 01 Good.
1:02:07 Caleb Hammer? How many miles?
1:02:08 Speaker 01 Eighty thousand?
1:02:09 Caleb Hammer? Okay, yo, sixteen thousand, one hundred ninety-eight dollars, fifty-nine cents. We have a minimum monthly payment of three hundred sixty-one dollars and fifty-six cents. So you got this before bankruptcy. When did you get this?
1:02:20 Speaker 01 I got this the October before bankruptcy, so a year and a half ago.
1:02:26 Caleb Hammer? Jeez, okay, what's the term on this?
1:02:28 Speaker 01 Oh, probably like six, seven years, whatever the longest is.
1:02:32 Caleb Hammer? Eight.
1:02:32 Speaker 01 Eight, okay, it's probably eight then.
1:02:35 Caleb Hammer? What is the interest? Cause I don't see it.
1:02:37 Speaker 01 Um, I think it's nine point eight.
1:02:40 Caleb Hammer? Well, that's not good. You're not really beating the market, even if you are invested, which you know you're not, so it doesn't even matter. So you just, plus depreciation, whatever. Oh, no way. Oh, for fuck's sake. It's worth six thousand eight hundred eighty-one dollars and you're a few years. Oh, come on.
1:02:57 Speaker 01 I didn't have a lot of options.
1:02:59 Caleb Hammer? Are you kidding me? What do you mean you didn't have a lot of options? What, what is that? Go ahead, go ahead.
1:03:03 Speaker 01 Cause this was before the bankruptcy, which was worked out fine, but that was when I, I already stopped paying my, my credit was tanked.
1:03:10 Caleb Hammer? What was it? Do you remember?
1:03:12 Speaker 01 Probably like five twenty.
1:03:13 Caleb Hammer? Well, Lindsay's going to check on the boyfriend, seeing if he's like revving up his anger muscles, hearing me yelling at his woman.
1:03:19 Speaker 01 But, um, yeah, so.
1:03:21 Caleb Hammer? About to slap me? Oh, he's going back. I think he has to pee. Are you peeing? See, being a little pee guy. He's tall. What the fuck is happening here? What have you done? That dude's gonna murder me. Why'd we allow that into the studio? Oh, six thousand, six hundred eighty-one dollars in here. That's crazy. You're underwater by a thou- it was ten thousand dollars. So there's like no exit strategy here, other than repo, forget, and die.
1:03:46 Speaker 01 I don't want that to happen.
1:03:47 Caleb Hammer? Nope, me either. Within nine points.
1:03:51 Speaker 01 Yeah, I think it was, I can't remember honestly, cause I remember when they first, when I got the car, they were showing me interest rates of like nineteen. I was like, I guess that's what I have to do. And then they came back to me and said they lowered it to like nine point something.
1:04:02 Caleb Hammer? Yeah, but I'm guessing high nine is close to ten.
1:04:04 Speaker 01 Oh, yeah, yeah.
1:04:05 Caleb Hammer? So what do you mean you had no choice, though? You're just talking about the debt itself, cause this car was obviously a bad purchase.
1:04:10 Speaker 01 Yeah, so the car that I had bef- I had a really nice car before this car. I had a BMW. And I had that for like five years and it started to die on me, burning cool and all that fun stuff. And so I didn't have the money to fix it, so I traded it in.
1:04:25 Caleb Hammer? Oh, you rolled over negative equity?
1:04:27 Speaker 01 I did not. I did not. I broke even.
1:04:31 Speaker 01 They already gave me, gave me.
1:04:32 Caleb Hammer? Oh, so you did owe on it, but when you traded it in, it broke even?
1:04:35 Speaker 01 Yeah.
1:04:36 Caleb Hammer? Okay. This puts you in a pretty okay position relatively. So what's the big issue here?
1:04:44 Speaker 01 Another big issue is my mom co-signed on it and she wanted.
1:04:47 Caleb Hammer? And another one's mom?
1:04:49 Speaker 01 She wanted to refinance, wanted me to refinance a year in. And it's been a year and it's been a year and I haven't.
1:04:55 Caleb Hammer? Because you refuse to live up to the promises you ever can make, man. Because you're a literal child throughout life. Yeah, I'm trash talking your woman. What are you gonna do about it? Come fight me. So two people's moms now, you have fucked over. Two people's moms, you fucked over. This is a pattern for you. This is not good. This is not good. And does he know that fact?
1:05:18 Speaker 01 Yes.
1:05:20 Caleb Hammer? And yet he chooses to be with you.
1:05:22 Speaker 01 Yeah, he loves me.
1:05:24 Caleb Hammer? Yeah. I don't know. That shows some questionable morals in my book.
1:05:31 Caleb Hammer? You don't care about them enough to pay them back what is owed. This is just refinancing to lower her risk profile. What's your credit today?
1:05:41 Speaker 01 Six, between like, probably like six thirty.
1:05:44 Caleb Hammer? Obviously, they're gonna see the bankruptcy. That's not gonna be thrilling when they see that to refinance. I don't know what your rate's gonna be. Something similar or something higher.
1:05:53 Speaker 01 Yeah, when I got the car, I didn't have my new credit cards at the time.
1:05:56 Caleb Hammer? You talk about credit karma. They offer refinancing every five seconds in credit karma. This is like a one-click thing for you. You're just, when you made the excuse like, oh, guys, it's so easy. It's not my fault. They're just showing it in front of me. No, you were choosing which ones to click in front of you because they show refinancing there just as much.
1:06:12 Speaker 01 Stay out of that tab.
1:06:14 Caleb Hammer? Yeah, I'm sure. This is fucking horrendous and you can't get out of this. And now she has a, she's on a loan that is negatively, or just overwhelmingly underwater with a huge term. I mean, how old is she?
1:06:27 Speaker 01 Fifty-two.
1:06:28 Caleb Hammer? So she's gonna have this almost leading to sixty on her credit.
1:06:34 Caleb Hammer? You have to refinance. Okay, let's see. For your net income, this car payment, I can do basic math. That's ten percent. So.
1:06:46 Caleb Hammer? Yeah, if you're gross, I mean technically this fits in the money guy rule of eight percent, but not really because it's only three years is the term they allow. So this car is, well, the loan was too expensive for you. You over purchased, though. You got a bad deal on this car, most likely.
1:07:00 Speaker 01 I did. I did.
1:07:01 Caleb Hammer? You said this is a year and a half ago?
1:07:04 Speaker 01 Yeah.
1:07:04 Caleb Hammer? Okay, a year and a half ago, as you weren't in the insane, insane, insane used car market. Great, no. Is it great now? No, but it wasn't. Stupid 2021 excuse levels, 2022 excuse levels of getting into a car this dumb. How, how long did you look for a car?
1:07:21 Speaker 01 Not long, because my car was breaking down. It was like within a matter of days that I went to that dealership. And my dad actually went and talked to them before and said, hey, she's coming in, help her out. So I went in the next day and they showed me the car. I was like, what's my second option? They're like, you don't have a second option because my credit was so bad. That's what they told me. And I was kind of in a bind. I needed a car, so I just pulled the trigger.
1:07:41 Caleb Hammer? It would, you just saved money. You would have actually saved money if you Ubered for a little bit and took more time.
1:07:47 Speaker 01 Uber's expensive.
1:07:48 Caleb Hammer? It is, but you would have saved money. You were at a 10% interest rate essentially at, in eight years. And you're putting your mom's entire, entire credit at risk. You would have saved money if you Ubered for a couple of weeks.
1:07:59 Speaker 01 Making those payments, though.
1:08:00 Caleb Hammer? For now! You're deep, you're pushing back your other [__] payments on credit cards and stuff. Listen, if you're, if you're pushing off other payments because you cannot afford them, you're saying you're making those payments? Is that what you just said? Did you just say that? Is that a word that you just said? Are those words, are those complicated air flows that just made it over here? Guess what? You went through bankruptcy because you couldn't make other [__] payments. So you chose to make that one, but you were not making your other payments. You were just pushing off the other payments. Meaning you were not actually making your payments, okay? You chose to make this one specifically, but you're putting off other money. You could not afford it. If you, if you were able to afford it, you would have this and make the other payments as well. But you did not. You're not able to make the affirm payments, so you put them on a Maxar credit card. You cannot afford this.
1:08:41 Caleb Hammer? You are not making the payments in an accurate [__] way. You are over by double. You are not. You are going into debt. Never say that again. That is cope. That is not real. That is bull [__]. You are bull [__] yourself. That cope hard. Hundred twelve dollars in your checking account. But I make my payments. Hundred twelve dollars in checking account. We ain't got some BS energy drinks, let's call it. Amazon, energy drinks, energy drinks, Qdoba, expensive Qdoba, by the way.
1:09:11 Caleb Hammer? The case is free there and it costs this much. What are you doing? You can't go to Qdoba anymore. You got energy drinks. Oh, oh, oh, fully closed. Great. Cause we don't have enough clothes. We're not getting clothes every second of our life. Emmy Entertainment, Annie Entertainment. What is this?
1:09:27 Speaker 01 That's a at the bar, like the little jukebox.
1:09:31 Caleb Hammer? Money at the bar. Now you're in. Why, why, you know, why, why, why pay my future mother in law back when there's a jukebox?
1:09:39 Caleb Hammer? Makes for a good. We did it again. Jukebox and Amazon and Amazon and an apple bill and my energy drink and eighteen hundred three hundred dollars. Where the does that go? You don't even know three hundred dollars is a lot of money. That's a 10% of your income. You didn't know where that went.
1:09:55 Speaker 01 Probably. So whenever I owe my boyfriend money, like for example, splitting like costs or something like that. Sometimes I'll wait. And I'll.
1:10:05 Caleb Hammer? You'll wait and then you'll pull out a huge amount of cash.
1:10:08 Speaker 01 Sometimes.
1:10:09 Caleb Hammer? Stop.
1:10:10 Speaker 01 Sometimes it'll be like Venmo. Sometimes it'll be cash.
1:10:12 Caleb Hammer? Yourself. Amazon, Netflix, an energy drink, Microsoft. Like Game Pass or something? Are you a gamer?
1:10:22 Speaker 01 I think I bought a trivia game.
1:10:25 Caleb Hammer? For fuck's sake, stop. You don't have money. You just spend so much that you just don't have. It's as easy as that. Amazon, anyone bucks, energy drink, Qdoba, both Target, probably, Amazon. Oh, they just called this something. It wasn't even seen there.
1:10:41 Caleb Hammer? She's still doing it, guys. She's still. What are all these deposits? Earning, earning, earning, earning, earning, earning, earning, earning. You kidding me? It's earning every second of your life. Qdoba, Spotify, you can listen to ads.
1:10:59 Caleb Hammer? You can do it. If we're literally taking out payday loans. I don't care what the weird pearl clutches on the internet say that take offense to everything. If she's taken out payday loans, maybe she can listen to ads. It's not about Spotify. I don't give a I have Spotify. I love it. It's not about Spotify. It is everything added up. I don't know why people are taking weird offense to that online. Energy drinks, Alta, energy drink.
1:11:28 Caleb Hammer? The fucking karaoke again. You kidding me? Taco Bell, Alta, noodles and company. Sake. Went there once, got diarrhea. Oh, Cin- Cin- Malajeva? What the is this? Cinema Loca- Nana Geneva?
1:11:45 Speaker 01 I have no idea what you're talking about.
1:11:46 Caleb Hammer? Well, you spent thirty six bucks there. Simino Sock- Slock? Si- Sim- Sim- Simone Slock Geneva?
1:12:01 Caleb Hammer? It's an Italian restaurant, I'm being told. Venmoing out money. Drink. Oh, look at all these earnings. Please tell me you're not one of those dumbasses who tips on earning.
1:12:14 Speaker 01 Well.
1:12:16 Caleb Hammer? Well, what is?
1:12:17 Speaker 01 If you-
1:12:18 Caleb Hammer? Any responses like that?
1:12:19 Speaker 01 The more you tip, the higher amount you're allowed to pull out.
1:12:24 Caleb Hammer? So if you give them extra money, you get to take out more?
1:12:28 Speaker 01 Yes.
1:12:28 Caleb Hammer? But you're paying for the privilege to take out more. You're paying a fee?
1:12:32 Speaker 01 Yes.
1:12:33 Caleb Hammer? Is how that equates. You know, that's stupid.
1:12:36 Speaker 01 But if it helps me from going negative in my bank account.
1:12:39 Caleb Hammer? No, you know what would help you not paying for karaoke and energy drinks and Italian restaurants and Taco Bell? And all this bullshit, hundreds and hundreds and hundreds of dollars. Maybe we do that instead of tipping a micro payday loan bullshit thing. Huh? Yeah. Maybe that makes more sense.
1:12:57 Caleb Hammer? So that's so stupid. Energy drink, Amazon, Amazon, lush. You don't get to get lush.
1:13:08 Caleb Hammer? An apple, but it's it's still going. It's still going. Yeah, you're at a four hundred dollar plus dollar deficit with earning over that period.
1:13:16 Speaker 01 Ooh.
1:13:16 Caleb Hammer? Yeah.
1:13:19 Caleb Hammer? Which, by the way, your bull is more than that. So I think it's a joke.
1:13:27 Caleb Hammer? I think it's disgusting.
1:13:31 Caleb Hammer? Cause I'm gonna pay her back in a lump sum when I save that up. Zero dollars in savings.
1:13:36 Caleb Hammer? Let's get your budget. Two, three thousand six hundred, you know, like when I'm being mean and angry. It's a, it's, it's been a long, it's been a long time. And I roast, but I'm being a dick because they're both dick. To everyone in your life. Which is the way you do it. Not even by your, it's by your actions. Not even by your words or anything. You're just a
1:13:57 Caleb Hammer? tit dude.
1:13:59 Speaker 01 I've never been called tit.
1:14:00 Caleb Hammer? Well, you are. I know you get the coverage for them on Amazon, but you are one. What are your face next time you come in here? Your monthly payments for now. I know a lot of them go away pretty quickly because of the affirms, but I'm sure you'll borrow it immediately. Eight, eight, eight hundred forty-three dollars and eighty-five cents, but you probably owe like, what, four hundred to earn in?
1:14:21 Speaker 01 Probably.
1:14:22 Caleb Hammer? Endlessly repeating cycle?
1:14:23 Speaker 01 Yeah.
1:14:24 Caleb Hammer? What's your portion of rent?
1:14:26 Speaker 01 Eight ninety.
1:14:27 Caleb Hammer? Oh my
1:14:28 Speaker 01 Including water.
1:14:30 Caleb Hammer? What about gas and electric?
1:14:31 Speaker 01 Uh, my half is usually, since it's winter, it's been about like one fifty.
1:14:36 Caleb Hammer? Okay.
1:14:38 Caleb Hammer? Is it a house?
1:14:39 Speaker 01 It's an apartment, but we have like the
1:14:41 Caleb Hammer? Internet?
1:14:41 Speaker 01 Baseboard heating.
1:14:42 Caleb Hammer? Internet?
1:14:43 Speaker 01 He pays that.
1:14:45 Caleb Hammer? Okay. Gas, room, room, drive, drive?
1:14:48 Speaker 01 I would, I drive a lot for work, so I'd probably say
1:14:52 Caleb Hammer? You work at the gym?
1:14:53 Speaker 01 I oversee five gyms, so I could go, yeah, between gyms.
1:14:57 Caleb Hammer? You're right. How much?
1:14:57 Speaker 01 I would say like two hundred a month.
1:14:59 Caleb Hammer? They don't reimburse that?
1:15:00 Speaker 01 They reimburse, um,
1:15:02 Caleb Hammer? But that's before, but that's included in your net income that you gave us.
1:15:06 Speaker 01 Yeah, yeah.
1:15:06 Caleb Hammer? Okay. Insurance, car insurance?
1:15:09 Speaker 01 One twenty for car insurance?
1:15:11 Caleb Hammer? You have any pets?
1:15:12 Speaker 01 I do.
1:15:13 Caleb Hammer? What?
1:15:13 Speaker 01 I have a Chihuahua wiener dog. His name is Chunk.
1:15:17 Caleb Hammer? How much for dog food?
1:15:19 Speaker 01 Um, thirty a month. He's tiny.
1:15:22 Caleb Hammer? Pet insurance?
1:15:23 Speaker 01 No.
1:15:24 Caleb Hammer? What?
1:15:25 Speaker 01 I've looked into it and because he's so old, I can't really get it. Yeah.
1:15:30 Caleb Hammer? And that's fair. You can contribute three hundred dollars a month to the grocery pile for the household. You do not get to go out to eat. TP fund, anything else you need to survive, this is where you can put a little bit of Ulta, hundred dollars. Medical healthcare, anything?
1:15:43 Speaker 01 Um, insur- insurance is included in my pay, but I my medication is probably like forty a month.
1:15:49 Caleb Hammer? The the Zempic?
1:15:50 Speaker 01 I'm not taking that anymore. I stopped that.
1:15:52 Caleb Hammer? Oh, why?
1:15:52 Speaker 01 I went to it for a few months because I I wasn't seeing as much as I wanted to see, so I'm like, it's not really worth it.
1:15:57 Caleb Hammer? Well, you still have to put in the actions. It's the same with bankrupt. So you don't see what you want if you don't put in the actions. So it's a dissolving tablet.
1:16:04 Speaker 01 Mm hmm.
1:16:04 Caleb Hammer? Did you have side effects?
1:16:05 Speaker 01 No.
1:16:07 Caleb Hammer? But it got rid of hunger?
1:16:08 Speaker 01 Yeah, yeah. You take it a half hour and right away when you wake up in the morning, wait a half hour, then you can eat and drink like normal.
1:16:15 Caleb Hammer? But aren't you supposed to not eat and drink?
1:16:17 Speaker 01 You still have to eat and drink, but it just lowers your appetite. It works.
1:16:22 Speaker 01 It's not as much as I wanted it to.
1:16:24 Caleb Hammer? Well, it's it's a tool. It's not a, okay, whatever. Same thing with like the stomach surgery. You get ninety eight percent removed, but it's a fucking, you can blow it back up. Okay, subscriptions, no pet insurance, no. No savings. Okay, anything else that needs to be in your budget that I have not taken into account?
1:16:41 Speaker 01 I don't think so.
1:16:42 Caleb Hammer? Okay, what we're gonna do.
1:16:45 Caleb Hammer? Because he's a bit more of a private person, which I respect, we'll bring him into the post show and we'll confront, we'll have you actually confront him in the post show. I also need to talk to him about your just your morals and just how you're just everything up. This is stupid. You could have paid her back by now. You have an extra thousand dollars a month. I don't want to hear it. Two thousand six hundred seventy three dollars and eighty five cents to survive. I'll give you a hundred dollars for fun. Congratulations.
1:17:10 Speaker 01 Cool.
1:17:11 Caleb Hammer? Yeah, you should have paid her back. You're a dick. But we'll bring him into the post show. And it'll be good. And make sure to join Elite. If you join Elite, we'll pay for it, by the way. So it's like 10 bucks, but we'll literally give you a gift card after you sign up and show us that you signed up. Um, so we'll pay for it. This is essentially a free trial. Since they don't offer free trials on here, we'll pay for it. So go ahead and join Elite, Hammer Elite, and we will pay for it for you. You have an extra 826 dollars left on a monthly basis after your fun.
1:17:48 Caleb Hammer? Well, get rid of the, uh, Afterpay, earning. You shouldn't even be doing earning. This is crazy. And PayPal in the first month, boom, that's your first month. Okay, cool. From there, take care of
1:18:03 Caleb Hammer? your, well, yeah, take care of a firm after that in your next month. Should be chill. Your, oh, ally card, actually, in the second month, then the firm in the third month.
1:18:14 Caleb Hammer? Then you just owe Money Lane, her, and the car. This is not that hard. Or Mission Lane. Mission Lane, you pay off in two and a half months. So we're like five and a half months in. And then his mom, you pay off in, let's call it,
1:18:33 Caleb Hammer? also three and a half months, just about, so nine months total. Then we have the car. Now, the car's not good. But I think what we're gonna start doing for the car, uh, will be at like 16, will be at like 15, 750 at that point. And at this point, your, your minimum payment's gonna be much larger that you have to, you can throw about 1,000 hours towards it at that point. You'll pay that off in a little over a year. So we're gonna call it a year and a half and then round it up to two years for the fully funded emergency fund, 10,000 hours or so for you. You're in a fine position. It takes two years. You're debt-free. You have a fully funded emergency fund. You contribute 20% on a monthly basis to retirement and you'll have a chance to survival.
1:19:14 Caleb Hammer? This is just selfish. This is selfish. The fact that you have basically 1,000 hours left over before I give you any fun money and you're not paying anyone back. And you haven't refinanced your car, you haven't done anything, you have credit card debt, and you're taking out earning, you're selfish, you're immature, you're being a baby. So from now, that's your budget. Again, take all the educational material, use the simpler budget app, and I want to see you here in a few months on this financial audit follow-up channel, okay?
1:19:38 Speaker 01 Got it.
1:19:39 Caleb Hammer? Make sure to join Hammer Elite, we're gonna confront the boyfriend situation in the post-show, let's get your Hammer financial score first, though. Spending a budget, it was double, zero out of 10, debt, yo, [bleep] family member, you're taking out earnings, zero out of 10. Emergency fund, zero dollars, you gotta turn me, turn me zero dollars, real estate zero dollars. Hammer financial score, you said 1.5 out of 10? Here, here's the fourth one, to round it up.
1:20:04 Caleb Hammer? Hammer financial score, zero out of 10. Guys, join Hammer Elite, I'll pay for it! It's super fun, come hang out with us, thousands of hours of extra content, and don't forget to join the simpler, or download the simpler budget mobile app, take control of your life, your money, your budget for the first time ever. I'll see ya in the post-show. She has hidden this behind your back, and I would like her to tell you exactly how bad the situation is.
1:20:31 Speaker 01 This is news to me.
1:20:32 Caleb Hammer? This is [bleep].
1:20:34 Speaker 01 That's a, it's a red flag.
1:20:35 Caleb Hammer? She doesn't give a [bleep] about your mom enough.
1:20:37 Speaker 01 That's probably the biggest part.
1:20:39 Caleb Hammer? She says you don't care, she says you don't care, is that true?
1:20:42 Speaker 01 I wouldn't say it's true.
1:20:43 Caleb Hammer? That is brutal. Oh, [bleep] whatever conversation you were gonna have in the car on the way home, why don't you have it now? Go ahead.
1:20:50 Speaker 01 Thanks.
1:20:51 Caleb Hammer? To watch the financial audit post-show, click the join button below.
Previous If Her Husband Sees This, It's Over. | Financial Audit Next Financial Audit’s Dumbest Couple Ever Page updated November 3, 2026 · transcript and summary are machine-generated