She Manipulates Me For 1 Hour And 36 Minutes | Financial Audit

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

• 0:00Speaker 00

  At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.

• 0:15Speaker 01

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• 0:45Caleb Hammer?

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

• 0:48Speaker 03

  I told you, it's spring break.

• 0:49Caleb Hammer?

  That doesn't mean that you have to spend like bullshit. It doesn't mean you have to go shitting it. What are you talking about?

• 0:54Speaker 03

  And I'm also only 21.

• 0:55Caleb Hammer?

  Are you fucking like actually stupid? Next you're gonna pull out the, oh, but my frontal lobe's not fully developed until 25!

• 1:02Speaker 03

  That's how I work.

• 1:03Caleb Hammer?

  The sympathy bullshit when it is found out to be bullshit. It ruins my trust in you for the rest of this conversation.

• 1:12Caleb Hammer?

  Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:26Speaker 03

  Hi, my name is Sabrina. I'm 21 years old. I'm from Melbourne, Florida, and you're watching Financial Audit.

• 1:32Caleb Hammer?

  Thanks for coming over from Florida. So many Florida people. Okay, what do you do for a living there?

• 1:37Speaker 03

  I am a meat clerk, so I work in the meat department at a grocery store.

• 1:40Caleb Hammer?

  Cool. We've had a few people like that on the show. What do you make?

• 1:43Speaker 03

  I just got-

• 1:44Caleb Hammer?

  It's never been a lot.

• 1:45Speaker 03

  No, I just got promoted to full-time, so I was making 1525 and then 1650, and then I just got 1725 an hour.

• 1:53Caleb Hammer?

  What metro is Melbourne in?

• 1:54Speaker 03

  Sorry?

• 1:55Caleb Hammer?

  What metro is Melbourne in? Cause I don't know the cost of living.

• 1:57Speaker 03

  What area of Florida? Oh, like how much is it? It's a lot. It's expensive.

• 1:59Caleb Hammer?

  Yeah, what metro is it in? Tampa.

• 2:02Speaker 03

  Oh, sorry. It's it's near Orlando. So it's like an hour south of Orlando. Yeah.

• 2:06Caleb Hammer?

  So it's kind of an expensive area and your hourly is sixteen what?

• 2:09Speaker 03

  Now it's seventeen twenty-five.

• 2:10Caleb Hammer?

  Seventeen twenty-five. Okay. How many hours a week do you work?

• 2:12Speaker 03

  Forty. It's full time.

• 2:14Caleb Hammer?

  Good. How much hits your account then? What are we expecting to hit your account?

• 2:20Speaker 03

  So about five hundred dollars a paycheck and I get paid weekly. So it's it's around there. A little bit goes into a different account to pay my mom for my car payment.

• 2:28Caleb Hammer?

  So two thousand dollars hits your account on a monthly basis. Yeah, that's hard to survive.

• 2:32Speaker 03

  Yeah.

• 2:33Caleb Hammer?

  Is that all that's going on? Twenty-one. That's a haven't had someone twenty-one in a while. So it's actually kind of young. You could be in school. You could be just working. You could be career. We could be just starting out. Post-college like what what's going on? It's such an interesting.

• 2:48Speaker 03

  So I I am still going to school. So I moved to Melbourne to go to school. So I'm at Florida Tech.

• 2:52Caleb Hammer?

  Forty hours a week. Oh, part-time school?

• 2:54Speaker 03

  Yeah, no, it's full-time school. I'm doing both.

• 2:56Caleb Hammer?

  That's okay. That's a lot.

• 2:58Speaker 03

  It is a lot. I do. I work Monday, Wednesday, Friday, Saturday, Sunday, and then school Tuesday, Thursday.

• 3:04Caleb Hammer?

  Paper in here for a college student at twenty-one years old.

• 3:09Speaker 03

  It's not that bad. I mean, definitely could be worse.

• 3:11Caleb Hammer?

  I'm curious. I, okay, so I go in blind to these conversations because I want to go through with the audience and

• 3:20Caleb Hammer?

  I don't know if we're just trying to film a different kind of audit because this is our last time filming in this studio before we moved to our new studio and that's really exciting, but

• 3:29Caleb Hammer?

  there are people with like positive finances. I've heard that in comments before. Is this the positive finances episode? Uh, this best buy card, you had a slight balance and then it's completely paid off to zero.

• 3:41Speaker 03

  Yeah.

• 3:42Caleb Hammer?

  Okay. And that's worth celebrating, right?

• 3:45Speaker 03

  Yeah, I worked really hard for that one.

• 3:49Caleb Hammer?

  So this is good.

• 3:52Caleb Hammer?

  Okay.

• 3:55Caleb Hammer?

  Hold on a second. Oh, wow. Champagne. Okay. Why? What's happening?

• 4:01Speaker 03

  Well, here, I'm gonna let you do the champagne.

• 4:02Caleb Hammer?

  Okay, well, I don't know what I'm doing with champagne.

• 4:05Speaker 03

  Well, we were gonna pop a bottle.

• 4:06Caleb Hammer?

  No, I don't know how to.

• 4:08Speaker 03

  Oh, okay.

• 4:09Caleb Hammer?

  I don't drink.

• 4:10Speaker 03

  Okay, here, I'll give you this one. Oh, God. Oh, God. I think you push forward. Oh, we push up?

• 4:17Speaker 03

  Oh, God, it's everywhere. Oh, I'm so sorry.

• 4:21Speaker 03

  Oh my god. Here, you can just like pick some up and just throw it.

• 4:27Speaker 04

  Oh, iPad is gonna be.

• 4:30Caleb Hammer?

  It's only a multi thousand dollar machine, that's it.

• 4:32Speaker 03

  Yeah, I'm so sorry. I didn't think it was gonna be that much.

• 4:35Caleb Hammer?

  Okay, well, this is good. So I guess we're celebrating with a positive financial audit. Is that what's happening?

• 4:41Speaker 04

  Yes, we are.

• 4:42Caleb Hammer?

  Okay, cool. Wow. Well, the audience has asked for it, so here we are.

• 4:47Speaker 03

  Yay.

• 4:47Speaker 04

  Woo. Oh, look at that.

• 4:49Speaker 03

  Ooh.

• 4:50Caleb Hammer?

  Oh, bubbly.

• 4:51Speaker 03

  It's everywhere.

• 4:52Caleb Hammer?

  Get the, get the floor nice and nasty before we leave.

• 4:54Speaker 04

  Hey, it's not ours anymore.

• 4:56Speaker 03

  Dang.

• 4:56Caleb Hammer?

  Well, we got a sublease, but, okay.

• 5:06Caleb Hammer?

  A second, okay. Okay, one second. I don't know what the, this is so weird. I have no idea. What is happening?

• 5:17Caleb Hammer?

  Okay, well, on this piece of paper, I see something with a balance.

• 5:23Caleb Hammer?

  What, what, okay, what is this? I, I don't know what they're showing me. It's not fucking labeled. It's not the document.

• 5:28Speaker 03

  That's the Best Buy card.

• 5:30Caleb Hammer?

  The, the zero dollar Best Buy card.

• 5:33Speaker 03

  Best Buy card.

• 5:33Caleb Hammer?

  Which one's the document now?

• 5:35Speaker 03

  That is it. That's, that's the current balance.

• 5:37Caleb Hammer?

  Okay.

• 5:38Speaker 03

  As of like a week, like two weeks ago.

• 5:41Caleb Hammer?

  Great. And awesome. That's, well done, guys. What a prank.

• 5:45Speaker 03

  There's a really good reason.

• 5:47Caleb Hammer?

  All right. I thought, all right. So I guess we're not ending with a positive financial audit. All right.

• 5:53Speaker 03

  There's a, there's a really good reason.

• 5:55Caleb Hammer?

  Where's a good reason to bring the mood down? Yeah, let's do that.

• 5:58Speaker 03

  It's really good. So, um.

• 5:59Caleb Hammer?

  And you fucking made a popper for that.

• 6:01Speaker 03

  Yeah.

• 6:02Caleb Hammer?

  Did they quite coordinate that with you?

• 6:04Speaker 03

  No. Not the popper thing.

• 6:08Caleb Hammer?

  Oh, but you knew a balance was coming out.

• 6:11Speaker 03

  Yeah.

• 6:11Caleb Hammer?

  You, okay.

• 6:13Speaker 03

  Sorry.

• 6:13Caleb Hammer?

  Great. Go ahead. What?

• 6:15Speaker 03

  So, um, when I moved, I could not take my iPad. That was my dad's with me. Um, so I, for school, I basically just had to get another one.

• 6:22Caleb Hammer?

  College? For college?

• 6:25Speaker 03

  Yes.

• 6:25Caleb Hammer?

  You didn't have a computer?

• 6:26Speaker 03

  I do have a computer.

• 6:27Caleb Hammer?

  What the?

• 6:28Speaker 03

  Because I

• 6:29Caleb Hammer?

  You had a zero dollar card.

• 6:30Speaker 03

  I did.

• 6:31Caleb Hammer?

  You had a zero dollar card, which, well, I guess that makes sense if I have a little more critical thinking skills. The fucking stack is thick. What were they all gonna be different Roth IRAs or something? I guess makes sense. Okay, great.

• 6:43Speaker 03

  So I had to get that card for school.

• 6:45Caleb Hammer?

  So obviously, we probably don't have the best finances. I'm starting to assume. Yeah.

• 6:50Speaker 03

  They're not bad.

• 6:51Caleb Hammer?

  But you take a card that was a zero. What do you mean they're not bad? You took a card that's zero and you brought it all the way back for it. An iPad, iPad when you had a computer already.

• 6:58Speaker 03

  Because they told me that if I didn't use the card, they were gonna close it. And I remember you saying that if you close the account, then it's worse for your credit. So I used the card for something for school. That way I could get it paid back. Cause I get

• 7:08Caleb Hammer?

  Get a fucking five dollar sandwich.

• 7:11Speaker 03

  I

• 7:11Caleb Hammer?

  What the fuck are you talking about?

• 7:12Speaker 03

  I can only use that card at Best Buy. You can't use it anywhere but Best Buy.

• 7:15Caleb Hammer?

  Go to Best Buy, buy an HDMI cord.

• 7:18Speaker 03

  But I don't need an HDMI cord. If I was gonna buy something.

• 7:20Caleb Hammer?

  No, you could've gotten some fucking candy. There's candy at the checkout.

• 7:22Speaker 03

  Yeah, but if I was gonna buy something.

• 7:25Caleb Hammer?

  Fucking what the, what the fuck are you talking about? An iPad, you already have a fucking computer. Listen, the only reason I use this is because of the show. No one that buys an iPad actually uses it.

• 7:36Speaker 03

  I use it every day.

• 7:37Caleb Hammer?

  And I'm sorry you have for your little month, because I have your most recent statement.

• 7:40Speaker 03

  No, I used it before I moved.

• 7:42Caleb Hammer?

  And then a screenshot of the balance now, apparently. So fucking great. Listen, this is stupid. You could've went, gotten there, got a fucking little box of candy. You could've gotten anything that was so much cheaper.

• 7:51Speaker 03

  Yeah, but if I was It.

• 7:53Caleb Hammer?

  Huh?

• 7:54Speaker 03

  I do use it.

• 7:54Caleb Hammer?

  For now, everyone uses an iPad for

• 7:56Speaker 03

  No, I was using it before I moved and then I couldn't take it with me.

• 7:58Caleb Hammer?

  Watching YouTube videos?

• 7:59Speaker 03

  No, for school.

• 8:00Caleb Hammer?

  Then why do you have a computer?

• 8:01Speaker 03

  For, I use it also for school. I take notes with the iPad.

• 8:04Caleb Hammer?

  So you need it?

• 8:05Speaker 03

  Yes.

• 8:06Caleb Hammer?

  You can't take notes on a computer?

• 8:07Speaker 03

  No, not because if I, I can't like type fast enough to take, to keep up with anything. So I write it down.

• 8:14Caleb Hammer?

  Oh, for fuck's sake. A great new invention.

• 8:17Speaker 03

  I do have pencils and paper. I do both of them.

• 8:20Caleb Hammer?

  How many fucking places to write down do you need?

• 8:22Speaker 03

  I have one. Okay, so I'd use the iPad when I'm in school.

• 8:25Caleb Hammer?

  Buddy, you did not need a nine hundred dollar fucking stupid, you did not need that. When you're already drowning in debt, I am assuming.

• 8:31Speaker 03

  Yes.

• 8:34Caleb Hammer?

  What a stupid fucking thing.

• 8:36Speaker 03

  It's, I think it's, I thought it was good because I used it for school. So I had

• 8:40Caleb Hammer?

  I gave them too much freedom to fuck with me.

• 8:42Speaker 03

  Well, I had used the card at first to get a pair of headphones that I also use every single day. Because I didn't have any and I needed headphones and then um I paid those off.

• 8:51Caleb Hammer?

  You did not need probably the price of the headphones that you got.

• 8:57Caleb Hammer?

  You make two thousand, shh, you make two thousand hours a month and you wasted half of a month's income on an iPad. Shut the fuck up when you have pen and paper. Shut the fuck up when you have a laptop. Shut the fuck up. This is so stupid. This is the dumbest thing. This is such a stupid way to close my final conversation in this building.

• 9:19Speaker 03

  I think it gets worse.

• 9:22Caleb Hammer?

  Great. Oh, fucking fantastic. Okay, so what are we talking about here then? Because obviously, okay, you're in school. Sounds like you moved to this area for school. What, what, what is going on? What the fuck are we talking about today, dude? Like, why am I there? Studying?

• 9:39Speaker 03

  Forensic psychology.

• 9:41Caleb Hammer?

  Okay.

• 9:42Speaker 03

  With a minor in child advocacy studies.

• 9:45Caleb Hammer?

  Okay, do you even need a minor? I wouldn't even like waste time on that these days.

• 9:49Speaker 03

  No, the minor, it's only an extra like three or four classes, but it gives me a certification.

• 9:53Caleb Hammer?

  Expensive for you, okay.

• 9:55Speaker 03

  Yeah, but I get a certification. Yeah, so I can, I can work directly in the field with that.

• 9:59Caleb Hammer?

  Where are you in your schooling journey?

• 10:01Speaker 03

  Uh, I already have my AA or my AS technically. So it's, it's the degree below my bachelor's.

• 10:06Caleb Hammer?

  Your associate's?

• 10:07Speaker 03

  Yeah, so I only need my bachelor's and then I can get the certification. And then if I get, if I wait another semester and get one more certification, I'll be dual certified so I can work right away.

• 10:16Caleb Hammer?

  I certainly hope so.

• 10:18Speaker 03

  Yeah.

• 10:18Caleb Hammer?

  Twenty-one, you started at eighteen. Yeah, I mean, the years line up. So you're in year three?

• 10:26Speaker 03

  Technically, yes.

• 10:27Caleb Hammer?

  So what are we talking about today? Why are we in so much debt? Why is everything? I'm again assuming I haven't seen it, but there's not no way that you're not with this much paperwork.

• 10:36Speaker 03

  So when I moved, um, I wasn't planning on not having a job right away because I, I worked at, I worked at the place that I work now. I worked there before I moved, but my transfer took way longer than I expected. So I essentially was living without an income for the first like two, like month, two months of living there.

• 10:54Caleb Hammer?

  This can't be just two months of

• 10:55Speaker 03

  No, it's definitely not.

• 10:57Caleb Hammer?

  Then what are you talking about?

• 10:58Speaker 03

  A good amount of it is. Well, I also live with my boyfriend. Um, and when he moved in with me.

• 11:02Caleb Hammer?

  Oh no, that means I get that.

• 11:03Speaker 03

  No, no. When he moved in with me, um, his grandparents are paying for his college and their one rule was that like he needed to focus on school for the first semester and they didn't want him to get a job. So I'm paying for both of our expenses.

• 11:17Caleb Hammer?

  No.

• 11:18Speaker 03

  I kinda had to.

• 11:21Caleb Hammer?

  No.

• 11:22Speaker 03

  What do you mean no?

• 11:23Caleb Hammer?

  He can still borrow for living expenses for schooling.

• 11:26Speaker 03

  What do you mean? Like, like borrow like a loan or something?

• 11:29Caleb Hammer?

  Yeah.

• 11:30Speaker 03

  He doesn't have any credit.

• 11:31Caleb Hammer?

  A student loan though can cover off campus living.

• 11:36Speaker 03

  It is. His, his grandparents are paying for that, but they're not paying for like our cats or anything that we had to do to set up the apartment. Like they're only paying for food.

• 11:44Caleb Hammer?

  Have to what? Set up the apartment what?

• 11:45Speaker 03

  I had nothing. I literally had nothing.

• 11:47Caleb Hammer?

  Congratulations. I had an air mattress for fucking six months when I first moved down here.

• 11:53Speaker 03

  Yeah.

• 11:54Caleb Hammer?

  So I was sacrificing.

• 11:55Speaker 03

  Well, I mean, I had, I had, I brought a bed with me.

• 11:56Caleb Hammer?

  There you go. So.

• 11:58Speaker 03

  So that was nice.

• 11:59Caleb Hammer?

  So what the, so you're just using this as an excuse? You did not need to go crazy. Dude, my first, my first apartment in, uh, when I was in college, this is used furniture off of Facebook Marketplace that I spent like a hundred bucks on for everything.

• 12:11Speaker 03

  I did get a bunch of used furniture.

• 12:13Caleb Hammer?

  Yeah, but if you were scrapping, if you were being scrappy, you would not be in these kind of finances.

• 12:19Speaker 03

  Yeah. I mean, I'm also only 21 and I've never lived alone. So it's kinda hard to just like boop, now you're on your own.

• 12:25Caleb Hammer?

  I am going to commit. Against this generation.

• 12:29Speaker 03

  I am so sorry.

• 12:30Caleb Hammer?

  Are you like actually stupid?

• 12:32Speaker 03

  No.

• 12:32Caleb Hammer?

  Can I ask you that?

• 12:33Speaker 03

  I've actually been taking care of everything since I was 12, so.

• 12:36Caleb Hammer?

  Okay, yeah, what was then great? I would actually like to hear that. Then what is the, I'm just a 21 year old? What if, what is the infant? Everyone does, you're gonna make mistakes until you die.

• 12:48Speaker 03

  Yeah.

• 12:48Caleb Hammer?

  There is not the, I'm 21. Don't infantilize yourself and give yourself a preemptive excuse to fuck up. You will fuck up because you are a human in a very temporary life on earth. But stop this infantilize, next you're gonna pull out the, oh, but my frontal lobe's not fully developed until 25.

• 13:06Speaker 03

  I'm a psych major, I would not do that.

• 13:07Caleb Hammer?

  Dude, after like 14, you have the cognitive skills to make the vast majority rational decisions in this world. And then it slightly develops more until 25. It's not like a switch is flipped. So what the fuck does, I'm just 21?

• 13:19Speaker 03

  Well, you asked.

• 13:19Caleb Hammer?

  It's so stupid. I didn't ask that.

• 13:21Speaker 03

  Well, yeah, but I mean, you asked why?

• 13:23Caleb Hammer?

  Yeah, and that's your answer is?

• 13:25Speaker 03

  Part of it.

• 13:26Caleb Hammer?

  Is I get to excuse everything because I'm

• 13:29Speaker 03

  Well, no, like

• 13:29Caleb Hammer?

  Too young to be able to advocate for myself and make mature choices?

• 13:32Speaker 03

  Well, a bunch of the cards had like 0% APRs, so I was using those because I didn't have anything in the bank. And then I just like

• 13:39Caleb Hammer?

  Did you know what that would end up meaning?

• 13:40Speaker 03

  Yeah, that it like accrues.

• 13:43Caleb Hammer?

  Eventually.

• 13:44Speaker 03

  Yeah. Well, I mean, I didn't like

• 13:46Caleb Hammer?

  Then what was the intention behind it?

• 13:47Speaker 03

  Well, I was using them at first because I didn't have an income. So I was basically paying for everything with that.

• 13:52Caleb Hammer?

  You said for like three months?

• 13:54Speaker 03

  Yeah, but I had no money to, like, I didn't have, it paid for all of the

• 13:58Caleb Hammer?

  For three months that you like went into more debt than like humans go into?

• 14:03Speaker 03

  It's not that bad. It's bad.

• 14:05Caleb Hammer?

  Oh, listen, I don't know, but all I know is I have a thick stack.

• 14:08Speaker 03

  Yeah, no, it's not, it's, it's a reasonable amount of debt, I would say, for a living.

• 14:12Caleb Hammer?

  Hold on, I can actually look in here and see what it was added up to. Thirty-three thousand dollars, that's hardly a reasonable amount of debt at 21.

• 14:20Speaker 03

  Part of it is my car.

• 14:21Caleb Hammer?

  That's a debt, that's an depreciating asset. I don't give a fuck, that is still something you have.

• 14:25Speaker 03

  Well, yeah, but that's not like, all of it is, it's not like I owe $31,000 or 33, but for being stupid, like I needed a car.

• 14:32Caleb Hammer?

  That car may have been a stupid purchase.

• 14:34Speaker 03

  Well, I lived on a dirt road and I needed a car that was reliable, so that was the car. It was either that or a car that would have broke down in a matter of months.

• 14:40Caleb Hammer?

  I saw some dirt outside too. It's very scary.

• 14:43Speaker 03

  Okay, that's not fair. The road is purely potholes. I mean, like, it's literally one of the most dangerous roads in Latchwood County. There's like been news articles about it being such a bad road.

• 14:51Caleb Hammer?

  Move.

• 14:52Speaker 03

  Well, I can't. I was living with my parents. What did you want me to do? Drop out with no money?

• 14:55Caleb Hammer?

  When? When? When did you move?

• 14:56Speaker 03

  I moved in this December, this past December.

• 14:58Caleb Hammer?

  From the fam?

• 14:59Speaker 03

  Mm-hmm.

• 15:00Caleb Hammer?

  Okay. This video is sponsored by Rocket Money, the app that has saved me hundreds by canceling subscriptions I forgot I was even paying for. Because apparently, I've been funding a meditation app I used once. That's like setting money on fire, except way less entertaining. But Rocket Money makes sure that that never happens again. It's a personal finance app that allows you to manage subscriptions, lower them bills, make a custom budget, and grow your savings all in one place. I used Rocket Money to track down all of my subscriptions in one list and cancel the ones I didn't need with just a few taps. No more digging through emails or arguing with customer service. And it gets better. Rocket Money also negotiates lower rates on your bills, so you're not overpaying for things like internet or cable.

• 15:45Caleb Hammer?

  No awkward phone calls, just savings. So, if you're ready to stop wasting money and start saving it, go to rocketmoney.com/Caleb or click the link in the description to get started for free. Uh, listen, I haven't been on that road. I don't drive on every road. Cool. Listen, but it sounds like, it sounds like based on every conversation I've ever had, a really good reason to justify a purchase that was potentially stupid. I haven't looked at your car. I don't know. I don't, it might not be a stupid purchase. But if you're, well, then it's probably a stupid purchase.

• 16:17Speaker 03

  It was used. I will say it was used. It was not a new car. I did not go out and buy a brand new car. So, I mean, I think that's kind of important, because I would, I could have. I mean, I could have just got like a brand new car and not.

• 16:27Caleb Hammer?

  Yeah, you can. You can [bleep] up your life in a lot of ways. Doesn't mean you've done okay just because you've [bleep] up your life in a little way.

• 16:35Caleb Hammer?

  But you [bleep] up your life in more than a little way.

• 16:38Speaker 03

  Yeah.

• 16:38Caleb Hammer?

  Because thirty-three thousand dollars halfway into college?

• 16:41Speaker 03

  Yeah.

• 16:41Caleb Hammer?

  Yeah, that's not good.

• 16:43Speaker 03

  Yeah. A good amount of that is school, too.

• 16:46Caleb Hammer?

  I'm sure.

• 16:47Speaker 03

  Yeah.

• 16:50Caleb Hammer?

  So what are you trying to do? What are we talking about then?

• 16:52Speaker 03

  Like in general, or like with my career?

• 16:55Caleb Hammer?

  Your money, your finances!

• 16:56Speaker 03

  I'm trying to not be in debt, um, and I would really like to get to a position where I have the ability to go to the parks that are near me.

• 17:06Speaker 03

  Uh, I live like an hour from Disney and my sister has annual pass and I'd really like to get one to go with her.

• 17:11Caleb Hammer?

  How old's your sister?

• 17:12Speaker 03

  Uh, 25?

• 17:14Caleb Hammer?

  Does she have a career?

• 17:15Speaker 03

  Almost 25, yes.

• 17:16Caleb Hammer?

  That's why she can! That's why you can! You're in college, shut the fuck up!

• 17:20Speaker 03

  I mean, I could eventually.

• 17:21Caleb Hammer?

  Do it when you're 25. Yeah, eventually. Oh, you're not talking about now?

• 17:25Speaker 03

  No, yeah, I just want to be a Disney adult at some point.

• 17:27Caleb Hammer?

  At some point, sure, you can be a fucking weirdo, that's okay.

• 17:30Speaker 03

  It's fun.

• 17:31Caleb Hammer?

  No, it's okay, Disney's fine.

• 17:32Speaker 03

  Thank you.

• 17:33Caleb Hammer?

  Well, and, and it's the good Disney.

• 17:34Speaker 03

  Thank you.

• 17:36Caleb Hammer?

  I don't know, but it's, I've also had a lot of weird Disney people on the show, so...

• 17:39Speaker 03

  Oh god, no, they, they can be a lot.

• 17:43Caleb Hammer?

  Hold on, you've been accepted on the show, trust me, I highly doubt that means you're not. Okay, so we know $2,000 came in, right?

• 17:51Speaker 03

  Yes.

• 17:52Caleb Hammer?

  Good. How much went out?

• 17:54Speaker 03

  Probably around three.

• 17:55Caleb Hammer?

  Okay, yeah, $9,258.

• 18:00Speaker 05

  Light work, no reaction.

• 18:02Speaker 03

  Awesome.

• 18:04Caleb Hammer?

  No reaction.

• 18:07Speaker 03

  I, I would not doubt that at all, this month was spring break. No, but this month was spring break.

• 18:11Caleb Hammer?

  That's worth ruining our literal next 50 spring breaks. Your boyfriend, I don't give a [bleep].

• 18:17Speaker 03

  He's nice.

• 18:18Caleb Hammer?

  Cool, [bleep] him, I don't give a [bleep]. That's his birthday, [bleep] him.

• 18:21Speaker 03

  Well, I mean, I didn't want to not get him something.

• 18:23Caleb Hammer?

  I just told you what to do.

• 18:28Speaker 03

  I don't think that's a birthday present.

• 18:29Caleb Hammer?

  I'm joking, but, I'm joking, all I'm saying is that is not an excuse to ruin his next five birthdays because you don't have money, or your next five birthdays because you spent it all on him.

• 18:41Speaker 03

  Yeah.

• 18:45Caleb Hammer?

  Are you crying?

• 18:46Speaker 03

  Yeah, I'm sorry.

• 18:47Caleb Hammer?

  Whoa, what's happening?

• 18:48Speaker 03

  Um, he just does a lot for me.

• 18:51Caleb Hammer?

  What does he do?

• 18:52Speaker 03

  I mean, we've, we've been dating for like almost three years and

• 18:56Caleb Hammer?

  Okay.

• 18:56Speaker 03

  He's been like really important to me and I just wanted to do something nice for him for his birthday.

• 19:00Caleb Hammer?

  What did you do?

• 19:01Speaker 03

  I took, we went to Disney Springs for the day.

• 19:04Caleb Hammer?

  Okay, everything's gonna revolve around Disney.

• 19:05Speaker 03

  Yeah, it is. Um, well, he loves Legos, so I bought him two really nice Lego sets.

• 19:12Caleb Hammer?

  What does that cost? You spent nine, you spent nine thousand five hundred when you brought in two.

• 19:16Speaker 03

  Yeah.

• 19:16Caleb Hammer?

  I doubt that was all Legos. Was that all Legos?

• 19:18Speaker 03

  It was not, but a good amount of it was.

• 19:21Caleb Hammer?

  Of nine thousand? How much was this?

• 19:23Speaker 03

  Like, that single day, I spent about a thousand dollars, probably. They're just like that one day at Disney Springs and a lot of that was on him.

• 19:34Caleb Hammer?

  How can you even come close to finding that acceptable? You said you're on your own since thirteen, then you would have any kind of reasonable-

• 19:42Speaker 03

  Not on my own, I've just had to grow up fast.

• 19:45Caleb Hammer?

  Okay, then you should know that spending a month's income on a birthday, half a month's income on one day

• 19:50Speaker 03

  Yeah.

• 19:51Caleb Hammer?

  is like, the heart's fine, but you're destroying yourself, you're destroying potentially your relationship. Cause financial reasons are one of the leading causes for separation in this country. So it's like, you're putting your relationship at risk too. And he would have been totally okay, you wanted to spoil, great, love it. But that's also a slightly selfish desire of wanting to spoil, cause you wanted to, he didn't need to be spoiled.

• 20:12Speaker 03

  Yeah.

• 20:13Caleb Hammer?

  Okay.

• 20:13Speaker 03

  Well, a lot of that went on a new card.

• 20:15Caleb Hammer?

  Um, okay.

• 20:17Speaker 03

  Okay, but you have to listen, the card itself, they were doing a promotion where if you spent a thousand dollars, they gave you four hundred back immediately, which did happen. So that's why that happened that day.

• 20:28Caleb Hammer?

  Great, and now we have almost as much debt as?

• 20:36Caleb Hammer?

  Your death situation for your age is insane.

• 20:42Caleb Hammer?

  Where do you think you are in the world of finances? Zero to 10, zero being the worst, 10 being the best?

• 20:46Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters, so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones, member SIPC.

• 21:16Speaker 03

  Probably like a two.

• 21:18Caleb Hammer?

  Okay, if you want your Hammer financial score, link is in the description below. You can go to CalebHammer.com. You can also go to CalebHammer.com/apply if you want to come be on this show. We'd be happy to have you down here in Austin, Texas. Even have tissues for you if you cry.

• 21:36Caleb Hammer?

  Okay, oh, that's right. Zero dollar Best Buy card, right. Great.

• 21:42Speaker 03

  At least I paid it off once.

• 21:46Speaker 03

  Like, some people don't...

• 21:47Caleb Hammer?

  You're gonna fucking die.

• 21:48Speaker 03

  No, I'm just saying, like, some people don't pay off their cards at all. Like, at least I paid it off once.

• 21:51Caleb Hammer?

  Okay, okay. Oh, oh, humans, humans, what flawed individuals we are.

• 21:56Speaker 03

  Yeah.

• 21:56Caleb Hammer?

  The fact that other fucking people do something does not mean it is okay for you to do it. I will never understand this concept. I swear it is one-third of the conversations I have on here. It's like, who gives a [BLEEP] if people are doing bad [BLEEP]? Who cares if people are smoking [BLEEP]? Does that mean that just because you do a bad drug that's not as bad as that, that you're doing okay? No! Who cares about these others? Who gives a [BLEEP]? That does not justify a single [BLEEP] thing about your life, and it never will. You not being able to get ahead, ever, just because other people are worse, doesn't mean you not being able to get ahead is good!

• 22:39Caleb Hammer?

  I will never understand it! Stop with this bull [BLEEP]. What is the minimum payment on this [BLEEP] Best Buy card now?

• 22:47Speaker 03

  Forty-one dollars.

• 22:49Caleb Hammer?

  Okay, two... You owe $902.77.

• 22:56Caleb Hammer?

  Forty-one a month.

• 23:00Caleb Hammer?

  Good sakes dude. What you you had you were making progress. You paid off this card and then you immediately it. There was.

• 23:12Speaker 03

  Oh, you asked why?

• 23:13Caleb Hammer?

  I'm gonna.

• 23:15Caleb Hammer?

  Uh, yeah, it's your acceptance of it. It's your acceptance of it or justifying it. This is stupid as

• 23:21Speaker 03

  Okay, well, I told you about that.

• 23:22Caleb Hammer?

  Card?

• 23:23Speaker 03

  I told you about that.

• 23:24Caleb Hammer?

  Oh, for

• 23:24Speaker 03

  What did you expect?

• 23:25Caleb Hammer?

  I think my brain wanted to forget it already because it was so fucking dumb. Okay, the Disney premiere card. So what is going on?

• 23:32Speaker 03

  That's the one that if you spent a thousand, they gave you 400 back.

• 23:35Caleb Hammer?

  Yeah, but now you have a card that you're not fully paying off that is eventually going to accrue interest. Does it accrue interest now?

• 23:41Speaker 03

  Yeah.

• 23:42Caleb Hammer?

  Why are you sending screenshots instead of fucking statements like we request?

• 23:44Speaker 03

  Because that happened. I got that card after I had already sent the original statements and that's what they told me to do because it doesn't have a full statement yet.

• 23:50Caleb Hammer?

  You're getting new cards after applying to be on the financial where it's about cleaning up your finances? I'm gonna burn this place to the ground.

• 23:57Speaker 03

  What's the last day here?

• 23:58Caleb Hammer?

  It really is and I shouldn't. I should claim the insurance money. This is so stupid. This is so fucking stupid. You open a new debt and round that debt up on the Best Buy card after you apply to be on the fuck shot. I don't even want to hear it yet.

• 24:17Speaker 03

  Okay.

• 24:17Caleb Hammer?

  Oh, I'm just in a process. The fucking choices in your life.

• 24:27Caleb Hammer?

  Don't like.

• 24:29Speaker 03

  Yeah, it's everywhere.

• 24:33Caleb Hammer?

  What is the minimum payment on this? Because I don't know.

• 24:35Speaker 03

  It doesn't tell me.

• 24:37Caleb Hammer?

  What do you mean?

• 24:38Speaker 03

  It's because it says it right there. There is no minimum payment yet because it hasn't had a full cycle.

• 24:43Caleb Hammer?

  What is it? Pull it up now.

• 24:45Speaker 03

  Okay.

• 24:47Caleb Hammer?

  And what is the interest accruing on it?

• 24:49Speaker 03

  Um, I believe it's around 25.

• 24:51Caleb Hammer?

  And if you spent a thousand, you got a hundred.

• 24:53Speaker 03

  Yeah, 400, 400.

• 24:54Caleb Hammer?

  400. That was your little intro thing. They get you in with nice little pennies.

• 24:58Speaker 03

  Yeah.

• 24:59Caleb Hammer?

  Nice, nice little pennies knowing you so far. Hey, knowing you so far and that you like to build cards back up, not paying them off. Let interest accrue. I'm gonna bet you're probably gonna eventually pay more than 400 dollars in interest and they're gonna well make their money back.

• 25:14Caleb Hammer?

  Mickey's gonna

• 25:15Speaker 03

  See, it still says no minimum monthly payment due.

• 25:17Caleb Hammer?

  Give me this. Yeah, you're right. It doesn't. But what it does say is that it went up by.

• 25:23Speaker 03

  Okay, that was to get me here.

• 25:25Caleb Hammer?

  Okay, well, that'll be reimbursed. Why did you put that on a card?

• 25:28Speaker 03

  Because I didn't have it in my checking account.

• 25:29Caleb Hammer?

  Okay, now, if you're loving your life without having money in your checking account, why?

• 25:33Speaker 03

  Because it was spring break.

• 25:35Caleb Hammer?

  That's why. It's not because you came here. It's because you went like you're a moron during spring break. You're already in Florida. You don't even need to go anywhere. That's where everyone goes.

• 25:44Speaker 03

  Yeah.

• 25:45Caleb Hammer?

  Shut the fuck up, spring break.

• 25:49Caleb Hammer?

  It's at thirty percent interest. It's so stupid. Great. So now we're talking one thousand forty dollars and forty-three cents. Oh, so close to being maxed out. I bet it will be by the time you go back home.

• 26:04Speaker 03

  I have never maxed out a card.

• 26:06Caleb Hammer?

  You're about to.

• 26:07Speaker 03

  Okay, well, I've never gone over.

• 26:08Caleb Hammer?

  You're about to. Oh, good. Oh, good. It's to get here. That's why we're getting Starbucks. Dining.

• 26:16Speaker 03

  Well, yeah, I had to leave like super early this morning. I flew in today.

• 26:19Caleb Hammer?

  Disney Store, Sephora, Sephora.

• 26:22Speaker 03

  That's all spring break.

• 26:23Caleb Hammer?

  Bakehouse, Sea World, Sea World, Sea World, Sea World, a restaurant, Puerto Vida. Going and getting some bullshit.

• 26:34Speaker 03

  Yeah.

• 26:35Caleb Hammer?

  Bakehouse, Disney Store, Spice and Tea. I'm glad we are accruing thirty percent interest for Lego Disney Springs and BY Basin. This is so fucking moronic.

• 26:49Caleb Hammer?

  What are you spending at Autozone?

• 26:51Speaker 03

  Oh, that was a windshield wiper, but they gave part of it back to me because it was the wrong one.

• 26:55Caleb Hammer?

  Dude, you're spending like a fiend.

• 26:58Speaker 03

  Okay, well, my windshield wiper broke.

• 27:00Caleb Hammer?

  Not that. Everything else I mentioned.

• 27:02Speaker 03

  Well, I already told you about everything else, so that's what you're talking about.

• 27:05Caleb Hammer?

  You think that justifies it?

• 27:07Speaker 03

  What? That I told you about it?

• 27:10Caleb Hammer?

  Yes.

• 27:11Speaker 03

  No.

• 27:14Caleb Hammer?

  Then I don't give a

• 27:16Speaker 03

  What do you mean? You asked.

• 27:17Caleb Hammer?

  I did not ask you if you've told me about it.

• 27:19Speaker 03

  Oh.

• 27:19Caleb Hammer?

  Shut the fuck up. I know, kind of, sometimes, what I've said.

• 27:25Caleb Hammer?

  You spend like a fiend. And no, what you told me about was your past spending to get you to that a thousand spent.

• 27:32Speaker 03

  Yeah.

• 27:33Caleb Hammer?

  You didn't tell me about the Darby's and the dining.

• 27:36Speaker 03

  This morning.

• 27:37Caleb Hammer?

  And the dining.

• 27:38Speaker 03

  That's school.

• 27:39Caleb Hammer?

  And stopping and getting bull

• 27:44Caleb Hammer?

  So you went to spring break. Where the did you go?

• 27:47Speaker 03

  Disney Springs.

• 27:48Caleb Hammer?

  Right, that's right. I don't even know what that is. Where is that?

• 27:50Speaker 03

  Um, it's like, have you heard Downtown Disney?

• 27:54Caleb Hammer?

  So you went an hour away and we blew our life. Okay.

• 28:00Caleb Hammer?

  Go to a pool next time you're... I, listen, you can do that as a college student.

• 28:05Speaker 03

  Yeah.

• 28:05Caleb Hammer?

  If you have the money. You're making it so much harder for you later and you just don't understand that now. I mean, there's no...

• 28:17Caleb Hammer?

  I assume the minimum payment's gonna be something like, uh, fifty bucks?

• 28:21Speaker 03

  Probably, yeah, fifty.

• 28:26Caleb Hammer?

  Okay. So literally, in order to get that bonus, you didn't spend it on anything that provides you values, literally just going out to eat, out to eat, out to eat. And then, yes, four hundred dollars of Legos. But out to eat, out to eat, out to eat, out to eat, out to eat, out to eat, out to eat, out to eat. That's all it was.

• 28:45Speaker 03

  Well, I mean, it was also Sephora and

• 28:49Speaker 03

  the Spice and Tea Exchange, which isn't eating.

• 28:52Caleb Hammer?

  So bullshit, bullshit, bullshit.

• 28:53Speaker 03

  Yeah, I mean. I told you, it was spring break.

• 28:57Caleb Hammer?

  That doesn't mean that you have to spend like bullshit. You went to a destination, doesn't mean you have to go fucking insane.

• 29:02Speaker 03

  I see you shiny, I wanna get a shiny.

• 29:04Caleb Hammer?

  What are you talking about?

• 29:05Speaker 03

  I mean, that's why.

• 29:06Caleb Hammer?

  That's not how we all activate. That's not how we all work.

• 29:11Speaker 03

  It's how I work.

• 29:13Caleb Hammer?

  Then go to therapy. Like what? I can't fix that. I can get you on a budget, but I can't fix you not being able to like, like, oh my gosh, look at that over there.

• 29:24Speaker 03

  It's not that bad.

• 29:25Caleb Hammer?

  Well, then you can control it.

• 29:27Speaker 03

  Yeah.

• 29:28Caleb Hammer?

  Didn't even know what you spent last month. Probably didn't even know what you spent on this fucking card.

• 29:33Speaker 03

  I know it was on that one.

• 29:36Caleb Hammer?

  Okay, I'll I'll get you with a sounder mine therapist. Three free sessions for our guests and people in our audience.

• 29:48Caleb Hammer?

  So, great. We have like 2,000 hours in credit cards already. 24. That's our entire month of income. Yay, okay. What's your rent? Is he working now?

• 29:59Speaker 03

  No, he's gonna start working in May. He had to wait the whole first semester. That was their rule. I hated it too. Just to be clear.

• 30:06Caleb Hammer?

  And they can pay for his life outside of that, right?

• 30:09Speaker 03

  What do you mean? Like, they can only, it's only covering, it's a 529 plan. I don't know if you know what that is, but it's only, it can only be used for rent, school, like tuition.

• 30:17Caleb Hammer?

  So what are you, you're just covering Lego sets and driving to restaurants and then paying for the restaurants? That's not stuff that is required to live?

• 30:25Speaker 03

  No, I pay for our cats. I pay for.

• 30:27Caleb Hammer?

  Don't get cats if you can't afford them.

• 30:28Speaker 03

  I had them already. They were my cats.

• 30:32Speaker 03

  I wasn't, what do I do? Throw them outside?

• 30:33Caleb Hammer?

  They're from their childhood?

• 30:35Speaker 03

  No, I, well, I mean, kinda.

• 30:37Caleb Hammer?

  What?

• 30:38Speaker 03

  I got them last year when I lived at home.

• 30:39Caleb Hammer?

  No, then you shouldn't have. If you couldn't afford them, if you knew what you were going to do in life, you cannot get pets. That's selfish of you.

• 30:46Speaker 03

  Yeah.

• 30:47Caleb Hammer?

  It's brutal to say, but it is. It's selfish to get pets you cannot take care of. And it's not his responsibility to take care of your cats. So what else? Cause really, I'm just hearing your choices.

• 31:00Speaker 03

  I mean, I love my cats. I'm not gonna just get rid of them.

• 31:02Caleb Hammer?

  That's not what I'm saying. What else is he not covering?

• 31:04Speaker 03

  Um, anything that isn't food or rent. So like, any of the cleaning stuff, like the taking care of the apartment, like anything like that.

• 31:11Caleb Hammer?

  But listen, that's like

• 31:16Caleb Hammer?

  That's not even that crazy though. Cleaning supplies is not that crazy.

• 31:19Speaker 03

  Yeah, but it adds up.

• 31:20Caleb Hammer?

  It could be like 50 bucks a month. Cleaning supplies is not crazy. I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr, plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30 day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes.

• 32:05Caleb Hammer?

  So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future. Or don't, and you can end up right here.

• 32:22Speaker 03

  A lot of the food is also on me.

• 32:25Caleb Hammer?

  Not groceries.

• 32:27Speaker 03

  A good amount of the groceries are on me.

• 32:29Caleb Hammer?

  Why? Then you guys are over shopping.

• 32:30Speaker 03

  No, because he has a payment. He has, the payment plan can only cover a school amount of money.

• 32:35Caleb Hammer?

  Yeah, how much?

• 32:35Speaker 03

  So like this, I don't, I don't know exactly. It's his, I'm, it's not my money. I don't look at it, but.

• 32:40Caleb Hammer?

  But you guys are communicating and you're covering things. You should have some kind of insight.

• 32:43Speaker 03

  He pays for like over, he pays for like a quarter, almost half of the food.

• 32:48Caleb Hammer?

  If he does half, then, then you're not cutting into your money. Cause you're just covering half, which is two people, you.

• 32:55Speaker 03

  Yeah, but everything that adds up, like all of my monthly expenses are a lot.

• 32:58Caleb Hammer?

  Yeah, by your choice, not from him not being able to cover.

• 33:01Speaker 03

  I mean, it's not my fault that my, my car is almost $600 a month.

• 33:05Caleb Hammer?

  Yes, it is.

• 33:07Speaker 03

  I didn't really choose that car myself.

• 33:10Caleb Hammer?

  Your parents did?

• 33:10Speaker 03

  My grandma did.

• 33:11Caleb Hammer?

  They forced you to?

• 33:12Speaker 03

  Pretty much.

• 33:13Caleb Hammer?

  What is pretty much?

• 33:14Speaker 03

  Um, it was between that and.

• 33:18Speaker 03

  A more expensive truck.

• 33:20Caleb Hammer?

  Huh? Why do they get to choose what car?

• 33:23Speaker 03

  Because my grandma took me car shopping. When my first car, well, my first car broke down.

• 33:27Caleb Hammer?

  Then you say, no, grandma, take me home and then go car shopping by yourself.

• 33:31Speaker 03

  I couldn't. I was seventeen.

• 33:33Caleb Hammer?

  Yes, you could.

• 33:34Speaker 03

  How was I supposed to go car shopping without a car?

• 33:37Caleb Hammer?

  Uber.

• 33:39Speaker 03

  With no money?

• 33:42Caleb Hammer?

  Buddy, literally nothing. You didn't have a part-time job?

• 33:46Speaker 03

  I did, but I got fired from that job. And now I was about to start school because the company got, like, the company went away, basically. The company stopped being a thing.

• 33:54Caleb Hammer?

  So you got like, okay, that's different. Okay, so you get another part-time job. I guarantee you get to drop some fries. A lot of these things is ending up to be, every time we go down the, I can go further down the rabbit hole and it turns out it's just something that you chose, kind of, to a certain extent. It's like you chose to not do the harder version, but that could have saved you longer, like.

• 34:14Speaker 03

  Well, I mean.

• 34:14Caleb Hammer?

  She took you car shopping. She did not force you to. She took you to like two places, right?

• 34:18Speaker 03

  Yeah.

• 34:18Caleb Hammer?

  She just didn't want to go further?

• 34:20Speaker 03

  She's disabled.

• 34:21Caleb Hammer?

  Okay, go home, Uber.

• 34:24Speaker 03

  I couldn't Uber. I didn't have any money to Uber with.

• 34:27Caleb Hammer?

  Well, this is why, again, you should have had a part-time job.

• 34:30Speaker 03

  I know, but I couldn't get a part-time job if I couldn't drive there. I lived at least twenty minutes away from anything.

• 34:34Caleb Hammer?

  Couldn't work at McDonald's.

• 34:36Speaker 03

  It was also twenty minutes away from me.

• 34:38Caleb Hammer?

  I, I hear that.

• 34:39Speaker 03

  And there was no public transit near me.

• 34:41Caleb Hammer?

  You can shop for cars online, though. There's always options.

• 34:44Speaker 03

  I know, but I also had no credit, so I needed my mom to go with me.

• 34:47Caleb Hammer?

  But that has nothing to do with your grandma going with you, does it?

• 34:50Speaker 03

  Well, no, because my grandma, they want, my, my parents works. My grandma went with me and then they were, like, she told them, like, which cars we found and stuff and then.

• 34:58Caleb Hammer?

  Cool. Tell them what car you find online.

• 35:02Speaker 03

  I was fine with that option. My parents were not fine with shopping for a car online. They wanted to see it before we got it. So they wanted me to get one, like, from a dealership, basically.

• 35:17Caleb Hammer?

  It's interesting.

• 35:19Speaker 03

  Yeah, I mean, it was either that or get. Cause the other option was to go to Dodge, which is way more expensive and get a very way expensive car.

• 35:27Caleb Hammer?

  I mean, I don't know. I don't know what's on the used car lot. Private sale is also worth looking at, but.

• 35:33Speaker 03

  Yeah. There were also, it was also right after COVID.

• 35:35Caleb Hammer?

  Couldn't borrow someone's car?

• 35:37Speaker 03

  I literally had no one to borrow from. My parents both work and they use their cars to work.

• 35:42Caleb Hammer?

  Right, but now they weren't willing to one day. The weekend or something.

• 35:50Caleb Hammer?

  There you go. We found, I told you the further we go down, we could find it. Come on, they're not working seven days a week.

• 35:55Speaker 03

  I was taking care of my grandma, she's disabled, so.

• 35:59Caleb Hammer?

  What? That doesn't, I mean, you can't borrow a car.

• 36:00Speaker 03

  Like, no, like I was helping her on the weekends. I wasn't really working on the weekends.

• 36:04Caleb Hammer?

  You can take a couple of hours.

• 36:06Speaker 03

  I probably could have.

• 36:08Caleb Hammer?

  Yes, there you go. We can always find a solution. That's what happens. And this is, this is like, listen, I know I'm harping on something that has already happened and you'd think maybe that's not productive. But the thing is, if we don't correct that mindset now and make it just take the easy solution because it's right there, you're going to be in this situation for the rest of your life. You're going to be here forever. And I've seen it time and time again. I need to correct you that if we try to actually problem solve and whiteboard this dude, figure out the solutions and cross off what doesn't work. But you usually end up with a couple of different options and we just found it. Borrow a car on a weekend for a couple of hours, maybe for a couple of weekends in a row, a few weekends in a row to try to find the right car. So there we go. That was.

• 36:55Caleb Hammer?

  That's what I've just learned.

• 37:01Caleb Hammer?

  So your purchases, we already went through.

• 37:02Speaker 03

  Yeah.

• 37:04Caleb Hammer?

  You spent over a thousand dollars on Legos for him?

• 37:07Speaker 03

  No, it was all that whole like week.

• 37:09Caleb Hammer?

  No, in total before in general?

• 37:11Speaker 03

  Oh, probably, yeah. But that was over three years. I mean, that's not.

• 37:16Caleb Hammer?

  Yeah, but look where you've gotten in over three years. Put yourself and potentially you guys on a better footing because you guys have been together for three years. Marriage might be in the picture.

• 37:26Speaker 03

  Yeah, that's my goal.

• 37:29Caleb Hammer?

  Then you have to sacrifice now for it. Listen, behind every giving action, not, I mean, this, this sounds weird to say, but there is an argument to be made by psychologists that, so you'll probably know.

• 37:43Speaker 03

  Yay me, psychology.

• 37:45Caleb Hammer?

  You can probably source what I'm saying, because I forgot where I learned this from, but I think it was in psychology class, but um, behind every action of giving, there's still a bit of selfishness behind it, because it makes you feel good.

• 37:59Speaker 03

  Exactly.

• 38:00Caleb Hammer?

  So you're still doing this kind of for you, even though, yes, it is, eh eh eh, makes him feel good, but you wanted to give that, you love the feeling of giving, and you were putting that before actually setting you and him up for a future together. If marriage is your goal, you have to sacrifice.

• 38:18Speaker 03

  Yeah, I mean, that's my love language, is like, giving, and it's really problematic, it 100% is, but like, that's the best way I know how to show people that I care about them. Um, eventually, soon, hopefully, I'm guessing, well, I'm not guessing, but if it were me, as soon as possible.

• 38:35Caleb Hammer?

  And him?

• 38:36Speaker 03

  He wants to wait probably another two years until he's completely done with school, because he just wants to be done with school, which I mean, I, I guess.

• 38:42Caleb Hammer?

  So you want to get married today, and he doesn't?

• 38:44Speaker 03

  Yeah.

• 38:48Caleb Hammer?

  It's hard.

• 38:49Speaker 03

  Yeah.

• 38:51Caleb Hammer?

  How does that make you feel?

• 38:52Speaker 03

  It's, it's rough, because I feel like I do a lot.

• 38:59Speaker 03

  But I mean, he says like, oh, well, I want to get married, but I just have this going on, or I just don't want to rush into it, or I don't want to go, I don't want to do it right now, you know?

• 39:08Speaker 03

  So it's been a lot, there's a lot of things I've been like that.

• 39:10Caleb Hammer?

  But also at the same time.

• 39:11Speaker 03

  Yeah, we've been together for three years.

• 39:13Caleb Hammer?

  Well, not just that, are you sure he actually wants to?

• 39:15Speaker 03

  Yeah, I think so.

• 39:16Caleb Hammer?

  If he's not willing to just go to the courthouse and have a ceremony in two years?

• 39:20Speaker 03

  I want to say I'm sure, but

• 39:24Speaker 03

  there's really nothing I can do to prove it.

• 39:28Caleb Hammer?

  Okay.

• 39:34Caleb Hammer?

  Is it your finances? Cause I've talked to a lot of couples where it's like they're not willing to get married because one is financially.

• 39:40Speaker 03

  Honestly, I doubt it, just not to sound like, not to make him sound horrible, but like he didn't know much about finances, honestly, to begin with. Cause his parents like never made him deal with it. They just kind of did it for him. So.

• 39:51Caleb Hammer?

  Yeah, but.

• 39:53Speaker 03

  So I don't think he really understands the extent of how bad it is right now for me.

• 39:57Caleb Hammer?

  Is it okay? Can I call him in the post show and tell him how bad it is?

• 40:00Speaker 03

  Um, yeah, if you want. I mean, I'm not gonna stop you.

• 40:02Caleb Hammer?

  We'll do that in the post show. So it's important in this conversation for discussing marriage. Okay, another thousand dollars in debt, essentially. We got an Apple card.

• 40:10Speaker 03

  Yeah.

• 40:13Caleb Hammer?

  What are we buying here? Another iPad?

• 40:15Speaker 03

  Um, that was.

• 40:17Speaker 03

  It's just been built up. Household expenses mostly. So like Publix, like food and stuff.

• 40:22Caleb Hammer?

  I go through your Apple card. Will I see that?

• 40:24Speaker 03

  Yeah.

• 40:24Caleb Hammer?

  Only that.

• 40:25Speaker 03

  Mostly, yeah. I said mostly. No, I said mostly. It's mostly that. I will say there's probably some stupid stuff. Okay.

• 40:33Caleb Hammer?

  I have a statement here. I mean, it's, it's, it's.

• 40:36Speaker 03

  Oh, you have it?

• 40:36Caleb Hammer?

  It's 60% stupid.

• 40:38Speaker 03

  Yeah.

• 40:39Caleb Hammer?

  Mostly stupid.

• 40:41Speaker 03

  What's stupid?

• 40:42Caleb Hammer?

  Okay. Subscription. Subscription.

• 40:44Speaker 03

  Okay, but what subscriptions? Cause some of them are actually like important.

• 40:49Caleb Hammer?

  Premium.

• 40:50Speaker 03

  For what?

• 40:52Caleb Hammer?

  Where we are.

• 40:53Speaker 03

  Yeah. I mean, what do you want me to do? Not have YouTube premium? Okay, that sounded really bad. Okay.

• 40:59Caleb Hammer?

  You're having it.

• 41:00Speaker 03

  I use it every single day and it's a student discount.

• 41:02Caleb Hammer?

  Okay, so you're immediately pushing the goalpost.

• 41:06Caleb Hammer?

  You do not need a hundred and forty-four dollar version of Grammarly.

• 41:09Speaker 03

  That was for school. I think that came back to me at some point.

• 41:12Caleb Hammer?

  It better, but you do not need.

• 41:14Speaker 01

  New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe.

• 41:32Speaker 01

  Create stunning light effects, then switch it up with the top of your fingers. Even the man in red will be impressed. Shop the holiday decor you want online only at HomeDepot.com.

• 41:44Caleb Hammer?

  That expensive version.

• 41:45Speaker 03

  No, but I wasn't trying to get it. They said that I get a subscription from school.

• 41:48Caleb Hammer?

  Yeah, before you get too excited, that is just one out of like a thousand here. Domino's, pizza.

• 41:53Speaker 03

  Yeah.

• 41:54Caleb Hammer?

  Yeah, that's Paul.

• 41:55Speaker 03

  Yeah.

• 41:55Caleb Hammer?

  Not gonna try to justify that. Wow, we made it. We made progress.

• 41:58Speaker 03

  I didn't have anything in the freezer. Our freezer is tiny.

• 42:01Caleb Hammer?

  What did you get a Paxton for $65?

• 42:03Speaker 03

  That was me replacing, I believe, some pants that got like that like ripped or whatever.

• 42:10Caleb Hammer?

  And you had no other pants?

• 42:11Speaker 03

  No, I did. I just.

• 42:12Caleb Hammer?

  Oh, there you go.

• 42:14Speaker 03

  Yeah.

• 42:15Caleb Hammer?

  Some subscription or Apple Pay, Einstein Bro- Einstein Bros. Bagels, Panther, Fit Panther.

• 42:24Speaker 03

  That's cool.

• 42:24Caleb Hammer?

  Surf Style, Surf Style.

• 42:26Speaker 03

  Yeah.

• 42:26Caleb Hammer?

  Einstein Bros. HBO Max. Bull. That was one, two, three, four, five, six, seven, eight, nine, 10, 11 bull. One, two, three, four, five, six, seven, non bull.

• 42:40Caleb Hammer?

  And honestly, if you go into the store and you get a $10 thing, I'm not confident that that is groceries and not just you going and getting.

• 42:49Speaker 03

  No, I mean, that's where I work.

• 42:51Caleb Hammer?

  When you stop at the, at the Square, $10.67?

• 42:55Speaker 03

  The Square?

• 42:56Caleb Hammer?

  Auburn Square.

• 42:58Speaker 03

  I genuinely have no idea what that is.

• 42:59Caleb Hammer?

  Miniso? Min is so. M I N I.

• 43:03Speaker 03

  That was in the mall. That was in the mall.

• 43:05Caleb Hammer?

  Bull.

• 43:05Speaker 03

  Yes.

• 43:06Caleb Hammer?

  Great. So it's even more.

• 43:08Speaker 03

  Yeah.

• 43:08Caleb Hammer?

  Wonderful. Great.

• 43:12Caleb Hammer?

  How long have you had this card? You said you just ramped it up.

• 43:14Speaker 03

  No, I've had that one for a while, over a year.

• 43:17Caleb Hammer?

  Oh, here.

• 43:22Caleb Hammer?

  Oh lady, lady, there's more pages in this statement and it's all bullshit. You went and got some bull, went and got some bull, went and got some bullshit. Japanese restaurant, went and got some bullshit, went and got some bullshit, went and got some bullshit. Barnes and Noble, go to the fucking library, you're on a school damn campus. Netflix, went and got some bull, Domino's, bull, Apple bill. An Uber subscription. Not just an Uber payment, Uber subscription, but we have a car, we have a car that we pay so much for. Yeah, yeah, okay. Ever wish your brokerage paid you for a change?

• 44:01Caleb Hammer?

  Yeah, so Silo actually does that. With Silo, you can earn up to $5,000 cash back every year just for holding your stocks and ETFs with them. That's right. You invest like normal and Silo gives you 0.5% back on your entire account balance, including what you've already invested. Meanwhile, most free brokerages are raking money off all your trades through payments for order flows or pocketing interest on your idle cash.

• 44:31Speaker 06

  What are you talking about?

• 44:32Caleb Hammer?

  But Silo flips that model rewarding you instead. Now, yes, there's a monthly fee for the cash back program that starts at $10, but I'm a Silo cash back member myself and if you sign up with my link, you get three months for free to test it out. Take the trial with no strings attached. And if you're just curious, you can still invest in stocks and ETFs with no monthly fee, even without the cash back. Also, all assets on Silo are stored with interactive brokers and protected by $500,000 in SIPC insurance, up to $2.5 million in FDIC insurance. So if you want to get paid to invest like I do, go to silomarkets.com/caleb to lock in your free trial and earn up to $5,000 in cash back every year.

• 45:16Caleb Hammer?

  That is silomarkets.com/caleb. Let's get back to the episode. If you're still using a brokerage with fees and clunky tools, you're losing money in time. I switched to Mu Mu because I needed real data, reliable execution and actual trading tools, not just some Basic chart with vibes. Mumu has been my primary platform for over a year now. It's where I track insider activity, monitor institutions and set up conditional orders all from one clean interface. It's made my process smoother, which leads to peace of mind. Also, Mumu is the now official trading platform partner of the New York Mets. So yeah, they're playing in the big leagues. And here's the part I know you'll love. Mumu charges zero commissions on US stocks, ETFs and equity options.

• 46:01Caleb Hammer?

  That alone was enough to make me switch. But what about the promos they got right now? It's seriously unreal because I convinced them to perfectly craft a promotion only for my audience. If you're new, deposit $2,000 and Mumu will gift you $150 in cash rewards towards your trades. And while you're in between trades, you'll earn 8.1% APY on that uninvested cash for the first three months, which is one of the highest in the industry. And if you already have a portfolio with another brokerage, you can transfer that portfolio over to Mumu and they'll give you a 3% cash reward match up to $600 in cash rewards. So if you're ready to take charge of your investing, join the 25 million people that are already using Mumu worldwide.

• 46:45Caleb Hammer?

  Just sign up using the link in the description and pin comment or scan the QR code on screen and claim up to $150 in cash rewards. Thank you again to Mumu for sponsoring this video. Let's get back to the program. Great. Thank you guys. We have an Uber subscription.

• 46:58Speaker 03

  Barnes and Noble, that's school. That was not fair.

• 47:01Caleb Hammer?

  What?

• 47:02Speaker 03

  The Barnes and Noble charge.

• 47:04Caleb Hammer?

  It's a school book?

• 47:04Speaker 03

  Yeah, it was books.

• 47:05Caleb Hammer?

  Okay, great guys, we made it. We made it one out of like 30. Everything's justified. Everything's justified. It's all good. Let's celebrate again. Woo!

• 47:15Speaker 03

  There's more.

• 47:16Caleb Hammer?

  Golf. Come on.

• 47:20Caleb Hammer?

  Come on. What are we doing? Why even put it on the credit card anyway? Cause you're just gonna be accruing interest.

• 47:25Speaker 03

  I didn't have it in the check.

• 47:26Caleb Hammer?

  Is it interest free right now?

• 47:27Speaker 03

  No, it is not.

• 47:30Speaker 03

  I think that's the one of two that are not interest free right now. But the rest of them are.

• 47:38Caleb Hammer?

  So stupid.

• 47:41Caleb Hammer?

  And they're saying you put a lot of the move on here. Like $200 couch, 60 hours of posters, reverse osmosis water filter.

• 47:50Speaker 03

  Okay.

• 47:50Caleb Hammer?

  Toaster oven, steam cleaner, all the cleaning supplies, which that part is fine. Decor, $200. You do not need fucking decor. A mini fridge? One fridge isn't good enough?

• 48:03Speaker 03

  No, because the fridge is tiny and I'm trying to, you know, keep room to not buy food all the time.

• 48:08Caleb Hammer?

  What?

• 48:09Speaker 03

  Our, our apartment fridge that came with the apartment is literally tiny.

• 48:12Caleb Hammer?

  Great. I don't care.

• 48:15Speaker 03

  Well, I mean, that's.

• 48:16Caleb Hammer?

  Go grocery shopping once a week. I don't give a stop. Meal prep. I don't care. How tiny?

• 48:21Speaker 03

  Very small.

• 48:21Caleb Hammer?

  How high? That's fine.

• 48:26Caleb Hammer?

  It's a smaller fridge. We've all had weird, small fridges.

• 48:28Speaker 03

  It's a fridge and freezer.

• 48:29Caleb Hammer?

  Yes, we've all had those before in a chief college apartment. This is normal. Well, that's the reason. Grocery store. Anyway, pick up the food on the way home. My stupid. Okay.

• 48:41Speaker 03

  I do.

• 48:41Caleb Hammer?

  Okay, what? Okay. Great. Great. And we need all the decor and all the posters and.

• 48:47Speaker 03

  Well, I, it was my first time moving out.

• 48:54Caleb Hammer?

  I mean, I'm just. Do not need that to fucking survive.

• 48:56Speaker 03

  Well, that's the reason.

• 48:57Caleb Hammer?

  You justified at the beginning of this conversation. This is how you listed it at the beginning of the conversation. I covered all him because his mom, his grandparents can only cover school from his 529. Okay, great. Okay. Maybe there's some sympathy here. Posters, had to get it. Had to get the couch. Had to get all this bullshit. In the month that we move, all the posters, all the decor, the steam cleaners, all this stuff we had to get, had to get. We wouldn't survive. We would have gotten evicted if we didn't get this.

• 49:23Caleb Hammer?

  Come on. Don't set me up with this. With the sympathy bull when it is found out to be bull.

• 49:33Caleb Hammer?

  It ruins my trust in you for the rest of this conversation. You're no longer a reliable narrator in your own finances because you tried to mislead.

• 49:43Speaker 03

  I mean, that's how it feels for me.

• 49:45Caleb Hammer?

  Feels?

• 49:47Speaker 03

  Well, I mean, that's like in that day. Yeah.

• 49:50Caleb Hammer?

  You're not in that day.

• 49:52Speaker 03

  Yeah, I'm aware now, but I this isn't that day either. So I mean, I'm trying to explain how it felt in that day.

• 49:58Caleb Hammer?

  You didn't say that. Now you're just pushing the goalpost again. Now you're just trying to come on. Yes, you are. You're trying to tell me what actually happened. And I like, well, actually, I was just trying to tell you what I felt like in that day.

• 50:09Speaker 03

  Well, I don't know how to describe it.

• 50:10Caleb Hammer?

  Happened. Huh?

• 50:11Speaker 03

  I don't know how else to describe it. I mean, that's the best way.

• 50:13Caleb Hammer?

  You can say I made bad purchases. They were stupid. No, you said I had to cover his expenses.

• 50:20Speaker 03

  Yeah. And I've made dumb choices.

• 50:22Caleb Hammer?

  Huh?

• 50:23Speaker 03

  I said, and I've made dumb choices.

• 50:24Caleb Hammer?

  I don't remember that.

• 50:25Speaker 03

  I definitely said I've made bad decisions.

• 50:28Caleb Hammer?

  Yeah, but in that context, in that statement, in that statement, exactly. Then I don't give a because all I'm doing is talking about this part, the part of you moving in.

• 50:37Speaker 03

  Yeah.

• 50:38Caleb Hammer?

  You didn't qualify those at the same time.

• 50:42Speaker 03

  Yeah, they're all a bunch of dumb choices.

• 50:44Caleb Hammer?

  Well, there you go. Say that instead of trying to lead a sympathy play to make you look good out of the gate. Hey, I just had to cover all his expenses because he just couldn't afford it. And the grandparents only covered the school thing and they said he couldn't work. So it couldn't work. So I had to cover this stuff. Bullshit. You've

• 51:00Speaker 03

  Partially true.

• 51:01Caleb Hammer?

  Partially.

• 51:02Speaker 03

  Like part of it is that.

• 51:03Caleb Hammer?

  It's your own cats. You cover your half of the groceries. Really, it's just the cleaning supplies. And that could be like 25, 50 bucks a month. You're in a small college apartment.

• 51:15Speaker 03

  That's a cheap idea.

• 51:15Caleb Hammer?

  Stop it. Yeah. Okay. Maybe you have too much for an apartment for being honest.

• 51:21Speaker 03

  Okay, but to be fair, I did hunt for apartments for months and there were like no good listings. That was like the best one I could find.

• 51:29Caleb Hammer?

  Unfortunately, you've lost your reliability.

• 51:32Speaker 03

  Yeah.

• 51:33Caleb Hammer?

  I wish I could believe that. And a part of me does, but unfortunately, a part of me doesn't now. With the car thing, couldn't literally borrow your parents' cars on the weekend? Trying to make the whole financial situation a sympathy play because I had to cover the boyfriend. Because he couldn't work. No.

• 51:52Speaker 03

  I didn't say it was all that.

• 51:54Caleb Hammer?

  Come on, you know how it looked. You know how you were framing it. Don't try to rewrite the conversation.

• 52:01Speaker 03

  I mean.

• 52:01Caleb Hammer?

  Don't try that. Don't. We're not going to get anywhere if you do that. Is this how you've talked to everyone ever? Is this, have you tried to like manipulate conversations?

• 52:13Speaker 03

  I don't think so.

• 52:14Caleb Hammer?

  Hmm. Okay.

• 52:18Caleb Hammer?

  Certainly hope not.

• 52:22Caleb Hammer?

  What is this? Boyfriend is going to try to pay her back for what she's paid.

• 52:29Caleb Hammer?

  But a boyfriend has helped her out with car insurance in the past. You didn't even say that. So you helped him out, but he's helped you out before and you didn't even, again, you should have brought that up if you're.

• 52:39Speaker 03

  I didn't think that was real. When was that relevant? We haven't talked about like that. We've only talked about this stuff.

• 52:44Caleb Hammer?

  Because you brought, again, came into this conversation, do you not remember what I just had like a minute ago?

• 52:49Speaker 03

  Yeah.

• 52:49Caleb Hammer?

  You came into this conversation with the sympathy play of I had to cover him. This is where you also would say, but he's covered me before. So you know, actually, we're kind of even.

• 52:58Speaker 03

  I never said it was uneven. I'm just saying.

• 53:00Caleb Hammer?

  You, you asked. No, you didn't. You're right. You didn't specifically say it wasn't uneven, but you came in to try to get sympathy by saying you covered him.

• 53:08Speaker 03

  Okay, but you asked what was on the card. That's a lot of what was on the card.

• 53:11Caleb Hammer?

  That's not. What? The Apple card? I didn't, I didn't know the Apple card existed at the beginning, at the beginning of the conversation.

• 53:17Speaker 03

  No, you asked what, where all the debt and stuff is coming from. So I gave you the whole, that was part of it. Like that was the whole thing.

• 53:22Caleb Hammer?

  But usually in contextual conversations, people would say, but also he's covered my expenses in the past as well. So this is kind of.

• 53:29Speaker 03

  Well, I didn't think that that would be relevant at that point, at that moment.

• 53:31Caleb Hammer?

  Are you not capable of normal conversations?

• 53:34Speaker 03

  I mean, sometimes I guess not. I don't think about like the whole thing.

• 53:41Speaker 03

  I mostly just think about that exact question.

• 53:43Caleb Hammer?

  You told the producers you think he owes you three to four thousand dollars?

• 53:47Speaker 03

  Probably.

• 53:49Caleb Hammer?

  What if you covered it as three to four? No, your cats do not count.

• 53:52Speaker 03

  No, not three to four thousand.

• 53:54Caleb Hammer?

  That's what they wrote down from your conversation with them.

• 53:58Speaker 03

  I don't think it's, I don't think it's three to four thousand. It's a, it's a probably a good amount of money, but I don't think it's three to four thousand.

• 54:06Caleb Hammer?

  For what? Your cats?

• 54:07Speaker 03

  No.

• 54:08Caleb Hammer?

  Your half of groceries? I'm so confused. Twenty-five dollars to cleaning supplies on a monthly basis? What is he paying you back for?

• 54:16Speaker 03

  All of this stuff.

• 54:16Caleb Hammer?

  The Legos? Does he have to pay you back for the Legos?

• 54:19Speaker 03

  No.

• 54:19Caleb Hammer?

  Then what the is three to four thousand? Cause now it's almost putting yourself in an entitlement position.

• 54:25Speaker 03

  Um, it's, okay. I don't know how exactly to describe it. I have all the receipts and stuff, but like a bunch of the things that we did the weeks or the, the first month of us living here. Cause his.

• 54:35Caleb Hammer?

  Is it just for the furniture?

• 54:36Speaker 03

  No, it's for like, oh yeah, that too.

• 54:39Caleb Hammer?

  Okay. Well, maybe it could be for the furniture.

• 54:41Speaker 03

  It's for part of it.

• 54:42Caleb Hammer?

  Does, did you guys make an agreement that he's gonna pay for half?

• 54:45Speaker 03

  No, I just know he will.

• 54:47Caleb Hammer?

  I mean, out of everything that they added up for the furniture, it was like a couple thousand bucks. So where are we? Three to four?

• 54:52Speaker 03

  I, I don't know for sure.

• 54:54Caleb Hammer?

  For a year?

• 54:55Speaker 03

  Less than a year. We've been living together since December.

• 54:57Caleb Hammer?

  Then what the?

• 54:58Speaker 03

  No, that's what I'm saying. I don't think that that, I don't think that's what I meant to say. I, I genuinely don't.

• 55:04Caleb Hammer?

  Okay.

• 55:04Speaker 03

  Yeah, there's no way.

• 55:09Caleb Hammer?

  Next card. See what new personality trait we discovered in this one? Freedom.

• 55:18Caleb Hammer?

  One thousand, five thousand, thirty-five cents. I know I'm being hard and I'm pushing you hard, but I, it is important to call out the things you have said, the way you have established the conversations. And your way of not being able to find a potentially slightly less convenient way to do things, but save yourself in the long term. I need to call them out. I need to push back and I need to call you on your bullshit and you push back on those. Because you will continue making the same mistakes forever if I do not. And you, you're a human that exists in this world. I cannot have you fucking up forever. It sucks for you. I don't want to see someone suffer. Forty dollar payment on this. A thousand, five dollars and thirty-five cents owed.

• 56:00Caleb Hammer?

  Well, it looks like the balance was paid off last month, but then you purchased a thousand, five dollars.

• 56:03Speaker 03

  Yeah.

• 56:04Caleb Hammer?

  So what's up with this card?

• 56:05Speaker 03

  That's the shared card we used when we moved in.

• 56:07Caleb Hammer?

  Who shared? Shared with who?

• 56:09Speaker 03

  The boyfriend. Well, not shared. He's an authorized user.

• 56:12Caleb Hammer?

  Oh God, oh, but you're not married yet. Why are you getting so entangled like this?

• 56:18Speaker 03

  Because he had no credit.

• 56:21Caleb Hammer?

  Tell him to get an intro credit card.

• 56:22Speaker 03

  He did. He actually got a FIS card.

• 56:24Caleb Hammer?

  Okay then, also then we realize.

• 56:28Speaker 03

  Yeah, I wanted him to start building credit.

• 56:32Caleb Hammer?

  Okay, so he got the Fizz card. Great. So why the did he need to be on this card?

• 56:36Speaker 03

  I added him before that.

• 56:38Caleb Hammer?

  Why don't you just have him go get that card first? Okay, it's just.

• 56:40Speaker 03

  Cause he had no credit to get one.

• 56:42Caleb Hammer?

  He could have gotten an intro credit card if that's what we care about. Just the credit card that everyone get.

• 56:50Caleb Hammer?

  A credit card that on college campuses, they have booths where they're like, sign up for this credit card.

• 56:56Speaker 03

  Oh.

• 56:56Caleb Hammer?

  If he really just needed intro, he could have Googled, Googled, GPT, Grok. He could have anything.

• 57:02Speaker 03

  I just, that's what I thought of. I thought, oh, I can add him to this and you know.

• 57:06Caleb Hammer?

  It's the shortcut angle. It's that, it's that, it's a kind of a repeated thing in this conversation. But again, I do want to call out.

• 57:11Speaker 03

  Knowledge.

• 57:12Caleb Hammer?

  Huh?

• 57:12Speaker 03

  I feel like it's just a lack of knowledge.

• 57:13Caleb Hammer?

  Yeah, but lack of knowledge is less of an excuse today than it's been in human civilization. You have the access to everything at your fingertips. I know some people are like adamantly anti-AI. Some people are like, woo, AI. But here's the thing. I mean, with like, uh, 4.5 using like the deep research version there, you can learn anything you want to learn and you can fact check to confirm that everything's okay and correct. But just history, stuff that is able to confirm at least throughout history. It's like you can learn anything right now. You can have a scour the internet to find resources for you and knowledge for you. And then you go learn the resources through the sites that it finds, through books, Google, and Bing, if you want to get weird.

• 57:56Speaker 03

  Or use as Bing.

• 57:58Caleb Hammer?

  Exactly. That's what I'm saying. But the resources, but you have the resources.

• 58:02Speaker 03

  Yes.

• 58:03Caleb Hammer?

  The lack of knowledge is a choice at this point. Now, you don't know what you don't know. There is that, but the thing is, once you know you don't know something, which you know you are not informed on this, you can go learn. There are shows like this where we teach the basics. We have our educational classes. We have a fucking debt. It's in-depth on debt, in-depth on budgeting, in-depth on investing, in-depth on real estate, where you can spend hours taking our quizzes. And I give you everything that we have brought in experts to teach everything everyone would have to know. There are so many resources out there.

• 58:37Caleb Hammer?

  It is not a I'm 21. My frontal lobe is not developed.

• 58:41Speaker 03

  I never said.

• 58:42Caleb Hammer?

  You didn't say that, but a lot of people say that. But you did say I'm 21.

• 58:45Speaker 03

  Well, yeah, I was trying to explain that, like, I'm 21, but also, I don't know, I just feel like there's just been so many things that have gone on with me that I just feel like all the time I'm just screwed.

• 58:57Caleb Hammer?

  That's not even true, but we can all get down.

• 59:00Speaker 03

  No, but I'm not saying like just the money. I'm saying in general.

• 59:02Caleb Hammer?

  No, I know, but that that is not true. You're in a position where you're in college. You live with your boyfriend. You're potentially going to get married. So far, I mean, yes, we've looked at lots of different debts, but we're at 4,000 hours of debt. That is too much of your two months of your income. I unless something gets absolutely insanely worse. No, you're not in the worst position. You're in a position where you're doing stupid things. Like the spring break and justifying it because it's someone else's birthday. Um, it's just like, you're not in the worst. It is easy to feel down ourselves and talk to the therapist about that as well. And it is easy to get into that spiral. But you gotta bust out of it. You gotta start putting in effort again, just building out a budget, man. And our budgeting app, literally just building out a budget. At least you know where your money is going. You can start correcting things on a monthly basis.

• 59:46Caleb Hammer?

  It's all automated. It's like so many tools now where, yes, you can feel down, but there are easy steps you can take to start breaking that cycle.

• 59:55Speaker 03

  I'm not like trying to use it as an excuse, but um, I do have ADHD and I do have anxiety. So like when things come up.

• 1:00:01Caleb Hammer?

  I have a panic disorder. Listen, and that everyone in the world has ADHD, it feels like.

• 1:00:05Speaker 03

  It's really annoying, but it's um, when things like come up, because I got diagnosed really late because a lot of women do get diagnosed really late. So when things come up, they just feel really stressful in that exact moment. And I just try to find the fastest way to handle it.

• 1:00:17Caleb Hammer?

  Learn coping mechanisms.

• 1:00:19Speaker 03

  I do, but.

• 1:00:20Caleb Hammer?

  Well, there you go.

• 1:00:20Speaker 03

  That's the reasoning for a lot of the choices is I'm like, oh, well, this needs to get handled now.

• 1:00:24Caleb Hammer?

  But you're still making those choices now.

• 1:00:26Speaker 03

  Yeah.

• 1:00:26Caleb Hammer?

  I'm going to push back.

• 1:00:27Speaker 03

  Yeah, I know.

• 1:00:27Caleb Hammer?

  I'm going to push back. You are still making those choices now. Look at you. You are you are speaking educatedly about your own decisions. Meaning you know they are going on, meaning it is your choice to not seek the help to develop those coping mechanisms of the results that you're doing, meaning when those results of your actions are happening, it is your fault still.

• 1:00:45Speaker 03

  It just feels like I worked too much.

• 1:00:47Caleb Hammer?

  A. You do.

• 1:00:49Speaker 03

  Yeah, like I don't have the time to go and see somebody about it just because I'm so trying to work.

• 1:00:55Caleb Hammer?

  You might and with your degree and everything, student loans might be a valid return on investment for you. Versus working 40 hours a week. It might not make sense for you to work 40 hours a week and that is okay. This is not, this is not Dave Ramsey. I'm not, you have to go to college completely paid for. You can get a good return on investment if we do this correctly.

• 1:01:12Speaker 03

  Yeah.

• 1:01:12Caleb Hammer?

  You know, you already did the associate degree at community college.

• 1:01:15Speaker 03

  Yes.

• 1:01:16Caleb Hammer?

  See, you've already done it like the right way.

• 1:01:18Speaker 03

  Yeah.

• 1:01:18Caleb Hammer?

  That part, if we borrow a little and work 20 hours a week, that is okay.

• 1:01:23Speaker 03

  Yeah.

• 1:01:23Caleb Hammer?

  But also you just went and spent a thousand dollars on Legos. Like it is not the fact that you are working, there are actions here as well. As you're putting yourself in a hole where you're now forced to work because you have minimum payments.

• 1:01:34Speaker 03

  Yeah, because I saw Ushiny.

• 1:01:36Caleb Hammer?

  Because you saw Ushiny.

• 1:01:37Speaker 03

  Yeah.

• 1:01:40Speaker 03

  I mean, that is literally the reason, so.

• 1:01:42Caleb Hammer?

  Well, it looks like this card's 0% intro.

• 1:01:44Speaker 03

  Yes.

• 1:01:45Caleb Hammer?

  Now.

• 1:01:47Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are. With personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.

• 1:02:16Caleb Hammer?

  Brokerage is horrible. It's hard to tell. Quest Diagnostics, yeah, gotta make sure you don't got them STDs, STIs. I got it. I got it. You gotta be safe.

• 1:02:28Caleb Hammer?

  Got a car wash. I mean, it's Florida.

• 1:02:31Speaker 03

  No, I wash my, I do, I try to take really good care of my car just to keep it like, obviously worth something. Because I don't want it to be like, bad, because my car is white, too.

• 1:02:38Caleb Hammer?

  But you're not near the beach. You're not getting salted and not dust.

• 1:02:41Speaker 03

  Our water has pure sulfur in it, like the sprinklers that go off. The water, the sprinklers in my apartment, they're purely sulfur and it leaves.

• 1:02:48Caleb Hammer?

  And you park on the sprinkler?

• 1:02:49Speaker 03

  I have no choice. All the parking, all of the parking is surrounded by the sprinklers.

• 1:02:52Caleb Hammer?

  Okay.

• 1:02:53Speaker 03

  And it's really, really bad.

• 1:02:54Caleb Hammer?

  A suggestion.

• 1:02:55Speaker 03

  Yes.

• 1:02:55Caleb Hammer?

  Buy a one gallon bucket.

• 1:02:57Speaker 03

  There's no hoses.

• 1:02:59Caleb Hammer?

  No, fill it up in your sink.

• 1:03:00Speaker 03

  Oh.

• 1:03:01Caleb Hammer?

  My gosh, and walk it down the stairs.

• 1:03:03Speaker 03

  Yeah.

• 1:03:04Caleb Hammer?

  Fill up a one.

• 1:03:05Speaker 03

  I did cancel that. I actually did cancel.

• 1:03:06Caleb Hammer?

  It was a subscription?

• 1:03:07Speaker 03

  Yes, it was. I did. I didn't realize it was a subscription and then I, I was like, I got my, I did, I will say I did get my washers out of it, though. I, once I realized it was a subscription, I, I got it. I got a crap ton of washers out of it. Cause you could pay for, I think what happened was they told me like you could pay for the one wash or you could pay that exact amount for the one wash.

• 1:03:25Caleb Hammer?

  Yeah, I mean, they coax you into it. I get it.

• 1:03:27Speaker 03

  Yeah.

• 1:03:27Caleb Hammer?

  Do you have to pay this off? By?

• 1:03:32Speaker 03

  June, I believe.

• 1:03:34Caleb Hammer?

  Oh, no, not June, is it?

• 1:03:36Speaker 03

  I think it is June.

• 1:03:38Caleb Hammer?

  I can't find a date for some reason.

• 1:03:40Speaker 03

  I know it was on there. I believe it should have been.

• 1:03:46Caleb Hammer?

  Hmm, June fourteenth?

• 1:03:48Speaker 03

  Yes.

• 1:03:48Caleb Hammer?

  That's what I'm being told. Fuck me. Okay, so we have to put one thousand five point thirty. One thousand five point thirty-five. One second, one second.

• 1:04:00Speaker 03

  Sorry.

• 1:04:02Caleb Hammer?

  Let me. It's essentially, you gotta put five hundred ten dollars to it on a monthly basis.

• 1:04:10Speaker 03

  Can I throw something in? Um.

• 1:04:12Caleb Hammer?

  Is it good or bad?

• 1:04:13Speaker 03

  It's, it's not horrible. When I was, um.

• 1:04:15Caleb Hammer?

  Also, what is this freestyle watches?

• 1:04:17Speaker 03

  That's this, my, I got, I, um, sorry, I sold my other, my Apple watch that I had. I sold it cause I wasn't using it. I sold it to my sister. I got this one with the same amount.

• 1:04:25Caleb Hammer?

  Need a watch?

• 1:04:26Speaker 03

  At work, yeah, I do. Cause there's like no clocks anywhere and I have to be on time everywhere.

• 1:04:31Caleb Hammer?

  You can't check your phone like that.

• 1:04:33Speaker 03

  I mean, I.

• 1:04:33Caleb Hammer?

  Just to see.

• 1:04:34Speaker 03

  I can. It's just, I'm really bad at it and I, I, a lot of my work pants don't have pockets because women's work pants suck because we have no pockets. So I end up leaving my phone in the office instead. And they don't want us on it all the time anyway. So it's also a very big appearance thing for my work.

• 1:04:48Caleb Hammer?

  Thing. It's just the, it's just the stacking up of things.

• 1:04:51Speaker 03

  One hundred percent is a, is a, my company's appearance thing. They want you to have a watch.

• 1:04:54Caleb Hammer?

  Grocery store, I cannot assume that every purchase is a hundred percent necessary because you work there. You might be grabbing like.

• 1:05:01Speaker 03

  I'm gonna say though, I do bring energy drinks with me. I do not buy them at work.

• 1:05:05Caleb Hammer?

  There's a good start, but you could be buying snacks, you know, things you don't need that you're passing out like.

• 1:05:10Speaker 03

  Yeah, I mean, it's really hard because of the bogos, but.

• 1:05:13Caleb Hammer?

  Cause the what?

• 1:05:14Speaker 03

  Bogos, buy one, get ones. That's my store's big thing. Yeah. I'm being honest. Also, can I throw that thing in there, please?

• 1:05:20Caleb Hammer?

  Oh, okay.

• 1:05:21Speaker 03

  Sorry. For the Chase Freedom Unlimited, I was planning on paying that off with my tax return. Because I put aside extra withholding. I always put aside extra withholding, which I know is not the best way to save, but it forces me into it, so.

• 1:05:33Caleb Hammer?

  So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

• 1:06:18Caleb Hammer?

  I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:07:00Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it.

• 1:07:22Speaker 03

  Okay. I was just, and that got delayed because my dad got pulled into extra work, so he's almost working 50 hours a week now.

• 1:07:27Caleb Hammer?

  You know how much you're getting for a refund?

• 1:07:28Speaker 03

  Last year, putting aside less than I did this year, I got almost two grand. I think it was two grand, so probably a little more than that, hopefully.

• 1:07:34Caleb Hammer?

  You put aside more?

• 1:07:35Speaker 03

  Huh? Last year?

• 1:07:36Caleb Hammer?

  This year. You said you put aside less last year. Why would you put aside more this year?

• 1:07:39Speaker 03

  Because I was working pa- I was, I was part-time. So like, as of this year, I started putting aside more.

• 1:07:45Caleb Hammer?

  On purpose?

• 1:07:46Speaker 03

  Yeah.

• 1:07:47Caleb Hammer?

  You really don't want to get anything back.

• 1:07:49Speaker 03

  I know. It's just I was my grandma always told me to because it's like a forced savings account. I know. I won't. Yeah, but she's my grandma.

• 1:07:55Caleb Hammer?

  And wrong.

• 1:07:56Speaker 03

  Listen to her. Well, yeah, but it was your grandma.

• 1:07:58Caleb Hammer?

  Yeah, I would tell her she's wrong.

• 1:08:00Speaker 03

  I do not have the guts to do that.

• 1:08:01Caleb Hammer?

  Well, you can also just not do it. Just don't have a conversation about it.

• 1:08:06Speaker 03

  No, she had been asking for my like.

• 1:08:08Caleb Hammer?

  She needs to get the out of your life because she's being weird.

• 1:08:11Speaker 03

  No, I love my grandma.

• 1:08:12Caleb Hammer?

  Yeah, but she needs to get the out of this kind of stuff. The car situation.

• 1:08:16Speaker 03

  Yeah.

• 1:08:16Caleb Hammer?

  And this for savings. Sure. If you're literally incapable of existing, buddy, set up automatic transfers to a savings.

• 1:08:24Speaker 03

  I did that now.

• 1:08:25Caleb Hammer?

  Government's not giving you a high yield savings while the thousands are sitting there. And honestly, I'm just, I'm concerned based on the habits we've seen here, the language we've used, the conversation we've had. It's like, okay, yeah, you might get a couple thousand bucks. It can help you pay off this card and one other card.

• 1:08:39Speaker 03

  Yeah.

• 1:08:39Caleb Hammer?

  You should just balloon them back up because if you don't, this is like a consolidation. It's like a, it's like a bankruptcy. It's like a balance transfer. If you don't change the behavior before you just wipe it.

• 1:08:50Speaker 03

  Yeah.

• 1:08:50Caleb Hammer?

  And you go right back in because it's not like you're closing the cards anyway. And there's not a single card with a zero dollar balance on here. Unfortunately, I thought there was me. Okay. You're right. So.

• 1:09:01Speaker 03

  At least I've never missed a payment. I know that's a lot, but.

• 1:09:05Caleb Hammer?

  Yeah, but I've also heard probably 20 people say that. And then I find out that they have.

• 1:09:09Speaker 03

  I've actually never missed a payment.

• 1:09:10Caleb Hammer?

  I really hope so.

• 1:09:11Speaker 03

  I can pinky promise you I've never missed a payment on anything.

• 1:09:14Caleb Hammer?

  We don't need a touch skin, but I really hope so.

• 1:09:17Speaker 03

  No, but I can pinky promise that.

• 1:09:19Caleb Hammer?

  Okay, I hope so. Amazon card. Okay, this is, it's weird. You, you paid a good amount, but then you purchased on it. There's a balance. It's a small balance. It's like, I don't understand why we keep it. Hundred and three dollars and 97 cents.

• 1:09:33Speaker 03

  Yeah. I try not to spend too much on that one, obviously, because it's not in an intro period or anything.

• 1:09:38Caleb Hammer?

  Cause your Amazon card, pull up your Amazon account.

• 1:09:40Speaker 03

  Okay.

• 1:09:41Caleb Hammer?

  Laundry. Okay, that's fine. Slim case for iPad.

• 1:09:45Speaker 03

  Okay, well, I wasn't gonna break the expensive thing.

• 1:09:47Caleb Hammer?

  Reason to spend money. Yeah, but you spent money to spend money.

• 1:09:51Speaker 03

  Yes.

• 1:09:52Caleb Hammer?

  Like you get it.

• 1:09:53Speaker 03

  Well, yeah, but I mean, also I didn't want to break the new iPad. Like I didn't want it to just immediately be worthless. So.

• 1:09:59Caleb Hammer?

  Yeah, but also maybe, uh, don't get a fan, you tit.

• 1:10:03Caleb Hammer?

  Expensive vacuum. You do not need that right now.

• 1:10:07Speaker 03

  No, no, no, I have. I'm sorry. I know it's gonna sound bad. I have really horrible allergies and the carpets in my apartment suck.

• 1:10:13Caleb Hammer?

  Yeah, but to get a vacuum that's on a thousand trillion dollars. That is a nice vacuum. That is what I have. That is a nice vacuum.

• 1:10:20Speaker 03

  If you look up a vacuum right now, they're all gonna be way more than that. They're gonna be very expensive. That one was not that much. It was like a hundred dollars.

• 1:10:28Caleb Hammer?

  Oh, maybe this isn't the one I have.

• 1:10:29Speaker 03

  I was about to say, I was like, I literally picked one of the cheaper ones.

• 1:10:32Caleb Hammer?

  Okay, two hundred.

• 1:10:33Speaker 03

  It was on sale. I bought it on sale.

• 1:10:36Speaker 03

  That's the only reason I got it, was because it was on sale.

• 1:10:43Caleb Hammer?

  You got it for a hundred thirty.

• 1:10:46Speaker 03

  That's close.

• 1:10:47Caleb Hammer?

  It's close. Uh, carpet thing for the cat. It looks like more cat stuff, air purifier. More cat stuff, blue via?

• 1:10:59Speaker 03

  That's the water filter. Okay, our water is horrible. You can look at it.

• 1:11:03Caleb Hammer?

  Congratulations, get a Brita!

• 1:11:05Speaker 03

  We did, but it says that all it does is filter for taste. It doesn't actually filter anything out.

• 1:11:09Caleb Hammer?

  Who says that?

• 1:11:10Speaker 03

  The Brita filter. If you look on the packaging. There's a little, there's literally a whole label that says that it only filters odor and taste. It doesn't actually filter anything.

• 1:11:17Caleb Hammer?

  Stuff and then we're back to the, to the

• 1:11:22Caleb Hammer?

  sud stuff. Dual chamber compost, Dan.

• 1:11:26Speaker 03

  Yeah, we compost.

• 1:11:27Caleb Hammer?

  Don't.

• 1:11:29Speaker 03

  That's good for the environment.

• 1:11:30Caleb Hammer?

  It is. You just can't afford it.

• 1:11:32Speaker 03

  Well, yeah, we don't pay anything for it now.

• 1:11:33Caleb Hammer?

  You gotta buy the composter, dude.

• 1:11:35Speaker 03

  Well, yeah.

• 1:11:36Caleb Hammer?

  The thing is, listen. I will allow a justification of the case. I will allow justification of the composter. I will allow justification of blah blah blah. But the thing is, all of a sudden with your conversations becoming justified, justified, justified, justified, justified, justified. And this justified is stacking up so much to where you can't afford it, meaning it is no longer justified. We can justify a couple of things here and there, but your justifications are so much on a monthly basis that it no longer works.

• 1:12:03Caleb Hammer?

  Peppermint bullshit. I mean, this is fucking stupid, dude. This is so much buying. You're getting so much. My gosh, okay. Oh, four things in your car. Let's see. More pants. No.

• 1:12:16Speaker 03

  My, my boss literally two days ago told me that the pants that I'd been wearing to work are not in uniform.

• 1:12:21Caleb Hammer?

  More blue villa fucking filters because that's a forever investment.

• 1:12:25Speaker 03

  Yeah.

• 1:12:25Caleb Hammer?

  Child safety cabinet locks.

• 1:12:27Speaker 03

  Oh, our freezer, uh, the door does not stay closed all the way.

• 1:12:31Caleb Hammer?

  Tell the landlord.

• 1:12:32Speaker 03

  We did. They said there's nothing they can do about it.

• 1:12:34Caleb Hammer?

  Report it.

• 1:12:35Speaker 03

  I did.

• 1:12:36Caleb Hammer?

  To the state?

• 1:12:37Speaker 03

  Oh, no, I did not do that. I thought you meant like reports.

• 1:12:39Caleb Hammer?

  I would just chat online and see if that's legal or not.

• 1:12:45Speaker 03

  Okay.

• 1:12:46Caleb Hammer?

  Filtered showerhead?

• 1:12:47Speaker 03

  I'm not buying that. I was, I'm not buying that. No, I was just looking at it. I just wanted to read it, but then I was looking at it. I didn't want to lose it.

• 1:12:54Caleb Hammer?

  Going into your settings.

• 1:12:56Speaker 03

  Okay.

• 1:12:57Caleb Hammer?

  You have the SeaWorld app, please for fuck's sake.

• 1:12:59Speaker 03

  That was only for that day. I did not buy it. I did not have hope. Yeah. I don't even, we don't even go off.

• 1:13:05Caleb Hammer?

  Again at the subscriptions. Oh, my.

• 1:13:09Speaker 03

  Yeah.

• 1:13:10Caleb Hammer?

  Oh, expensive Apple care.

• 1:13:13Speaker 03

  That's for my Mac.

• 1:13:14Caleb Hammer?

  Apple Music, Cozy Gold, Duolingo, iCloud Plus, LifeSum Premium, Lightroom Photo and Video, fifty bucks. All the thirty bucks, forty bucks, Duolingo, huge, structured. It's one button.

• 1:13:26Speaker 03

  Which one?

• 1:13:27Caleb Hammer?

  Any of them. You can cancel all of them with one button right here. So shut the fuck up.

• 1:13:32Speaker 03

  Well, no, it says that I canceled.

• 1:13:34Caleb Hammer?

  Lightroom, structured daily planner. Oh my, use the Notes app or something. Youca.

• 1:13:40Speaker 03

  Yeah.

• 1:13:41Caleb Hammer?

  What the fuck are even half of these? What is LifeSum and Youca?

• 1:13:45Speaker 03

  LifeSum tracks your calories and your intake and stuff for like every day and then.

• 1:13:49Caleb Hammer?

  You can do that. You can do that on the MyFitness app for free.

• 1:13:53Speaker 03

  No, you have to have a subscription for MyFitness.

• 1:13:55Caleb Hammer?

  To track the calories?

• 1:13:57Speaker 03

  You have to have a subscription to use the fitness app.

• 1:13:59Caleb Hammer?

  I, what? I didn't.

• 1:14:00Speaker 03

  Yeah. If you go into the Apple thing, it'll tell you, you have to have a subscription for it.

• 1:14:04Caleb Hammer?

  I use it right now and I don't think I do.

• 1:14:08Speaker 03

  I don't know. They gave it to me. They tried to use it for free. That's, that tells you.

• 1:14:11Caleb Hammer?

  Some. Or what's the other one?

• 1:14:13Speaker 03

  Youca.

• 1:14:14Caleb Hammer?

  She didn't say, yeah, that.

• 1:14:15Speaker 03

  That's, um, it tells you like what, it breaks down what ingredients are in each product to tell you if it's safe or not. That's because I have really bad problems with my hormones. So it tells me if things are endocrine receptors or not.

• 1:14:26Caleb Hammer?

  Oh boy.

• 1:14:27Speaker 03

  I feel like that's reasonable.

• 1:14:28Caleb Hammer?

  It's reasonable. I just wonder if you're gonna make it to like sixty.

• 1:14:32Speaker 03

  Why? Because?

• 1:14:33Caleb Hammer?

  No, it just seems very broken, but.

• 1:14:35Speaker 03

  Oh, yeah. No, I have a lot of problems. I'm not even gonna lie about that.

• 1:14:39Caleb Hammer?

  Okay, city double cash.

• 1:14:42Speaker 03

  Yes. That is only balance transfers.

• 1:14:45Caleb Hammer?

  Oh, apparently the Amazon card's actually at three hundred dollars now. Great. Let's re- we're going back three hundred dollars to the Amazon card. Minimum payment, probably still like thirty-five. Okay, city double cash. Another thousand four hundred sixty-five dollars and seventy-five cents. Holy cuts of a thousand. Death by a thousand cuts, dude.

• 1:15:06Speaker 03

  Yeah.

• 1:15:06Caleb Hammer?

  So like, none of these balances are absolutely insane, but it.

• 1:15:14Speaker 03

  What?

• 1:15:14Caleb Hammer?

  What is this card?

• 1:15:16Speaker 03

  It's only balance transfers.

• 1:15:18Caleb Hammer?

  Oh, you bounced. I was wondering what the fee was.

• 1:15:20Speaker 03

  It was zero. It was zero APR on that for twelve months.

• 1:15:24Caleb Hammer?

  Yeah, but that's just a deferment. It's you. You think you can make progress psychologically, so you don't cut back? And we already said you spent four times what you brought in.

• 1:15:33Speaker 03

  Yeah.

• 1:15:33Caleb Hammer?

  So it's like you obviously psychologically feel like you're making progress with this and it's not working for you.

• 1:15:38Speaker 03

  Yeah.

• 1:15:38Caleb Hammer?

  Okay, forty-one dollar minimum payment. Yeah, there's your forty dollar fee, transfer fee. I was like, got very nervous seeing that fee. I was like, did she?

• 1:15:45Speaker 03

  No, I did not. No, I did not.

• 1:15:46Caleb Hammer?

  Okay, and yes, it is until October, so let's see.

• 1:15:51Speaker 03

  That one I did know.

• 1:15:52Caleb Hammer?

  Fourteen sixty-five point seven five. October is... You'll have about.

• 1:15:59Speaker 03

  Five-ish months.

• 1:16:00Caleb Hammer?

  Five payments you can make for being safe. Okay, so two hundred ninety-three dollars and fifteen cents. A month, which you need to pay to pay this off. That's a chunky one. That is a chunky one.

• 1:16:16Caleb Hammer?

  Okay, what do we have here? Um, okay, amount finance, three thousand nine hundred sixty, finance charge, a thousand seven hundred fifty-two. What the? The interest rate's twenty-five point five-three. What is this?

• 1:16:28Speaker 03

  Is that, I think that's the loan. That's the-

• 1:16:31Caleb Hammer?

  It's a loan, yes, for what?

• 1:16:33Speaker 03

  It was a personal loan. I paid off all of the cards that I had and then ended up spending on them again.

• 1:16:39Caleb Hammer?

  How'd that work?

• 1:16:40Speaker 03

  Not well. No, yeah, that was a mistake.

• 1:16:42Caleb Hammer?

  Again with balance transfers and using our IRS money.

• 1:16:45Speaker 03

  The balance transfer was before that, I'm just saying.

• 1:16:50Caleb Hammer?

  Great, so we really didn't-

• 1:16:52Speaker 03

  Yeah.

• 1:16:52Caleb Hammer?

  Make our-

• 1:16:53Speaker 03

  I thought that it was gonna help me consolidate.

• 1:16:55Caleb Hammer?

  Again, you spent four times what you made.

• 1:16:57Speaker 03

  Yeah, I thought it was gonna help me consolidate.

• 1:16:59Caleb Hammer?

  So it's like, you have still haven't learned your lesson today. Where we are today, you have not learned your lesson.

• 1:17:05Speaker 03

  Yeah.

• 1:17:05Caleb Hammer?

  Today!

• 1:17:07Speaker 03

  I just thought it was gonna help me consolidate it.

• 1:17:08Caleb Hammer?

  When'd you take this out?

• 1:17:09Speaker 03

  December, so right after the move.

• 1:17:11Caleb Hammer?

  This last December? Oh, fucking shit. Okay, so the balance is still basically, it's gonna be like four thousand. And you're gonna pay a total of like six thousand, over the history of it.

• 1:17:22Speaker 03

  Yeah.

• 1:17:22Caleb Hammer?

  Okay, loan, great, consolidate stupid foundation.

• 1:17:26Speaker 03

  Yep.

• 1:17:30Caleb Hammer?

  Hundred and fifty-eight, sixty-seven a month?

• 1:17:32Speaker 03

  Yes.

• 1:17:33Caleb Hammer?

  Oh, boy, it's gonna take forever to pay out. Hundred and fifty-eight, sixty-seven.

• 1:17:37Speaker 03

  I think it's a three-year loan.

• 1:17:41Speaker 03

  As far as I'm aware.

• 1:17:42Caleb Hammer?

  What, they told me you took out the loan for moving expenses?

• 1:17:47Speaker 03

  Well, I was, well, no, I, yes and no, I paid off the cards that I had, and then I used those cards for moving expenses.

• 1:17:53Caleb Hammer?

  Oh!

• 1:17:54Speaker 03

  Yeah.

• 1:17:55Caleb Hammer?

  For fuck's sake! Oh, what moving expenses did you possibly have?

• 1:18:01Speaker 03

  My truck and trailer to move.

• 1:18:03Caleb Hammer?

  For moving what?

• 1:18:04Speaker 03

  All my stuff.

• 1:18:05Caleb Hammer?

  How much stuff did you have?

• 1:18:07Speaker 03

  My sister, I got my family's bed set.

• 1:18:09Caleb Hammer?

  When I moved down here to Austin, Texas, it was two seats in my sedan.

• 1:18:13Speaker 03

  Yeah, no, I had a lot of things.

• 1:18:14Caleb Hammer?

  Get rid of it!

• 1:18:15Speaker 03

  Well, I can't get rid of like my pets and my tanks that I had.

• 1:18:19Caleb Hammer?

  I moved with a cat down there!

• 1:18:21Speaker 03

  Well, yeah, but cats are a lot different than turtles. I had two turtles, which is separate tanks.

• 1:18:24Caleb Hammer?

  Then you can't afford them!

• 1:18:26Speaker 03

  Well, I didn't know that at the time.

• 1:18:27Caleb Hammer?

  Then you shouldn't get them! Your parents shouldn't have allowed you to get them!

• 1:18:31Speaker 03

  I was a kid!

• 1:18:32Caleb Hammer?

  Then your parents shouldn't have allowed you to get them!

• 1:18:34Speaker 03

  My parents are broke too, so.

• 1:18:36Caleb Hammer?

  Also, they're stupid?

• 1:18:37Speaker 03

  No.

• 1:18:38Caleb Hammer?

  Financially?

• 1:18:40Speaker 03

  No.

• 1:18:40Caleb Hammer?

  Yes.

• 1:18:42Speaker 03

  I have no idea.

• 1:18:43Caleb Hammer?

  They're broke, so they're probably stupid financially. It's, it's, it's, uh, except for a few rare circumstances. In the vast majority of time, if you're in like your 50s and you're broke, a lot of that was choice, a lot. There are situations where it's not a hundred percent, but a lot of it, so we can assume financially. So they would probably be stupid. You, oh, trust me, ever, that, the people, honestly, even the, the brokest of people are the ones that work hard. Because they get the work the hardest, because they get themselves in the worst situations ever out of their horrible actions and mismanagement of money that they're forced to work hard. Then they do things they don't even want to do longer than they want to do.

• 1:19:19Speaker 03

  Yeah. Well, I mean, that's where the, before I moved, that's why the cards were so high. That's why I got the loan to pay them off was because I was trying to help my parents out too. Not pay for their stuff, but like pay for anything that, you know, was for me.

• 1:19:31Caleb Hammer?

  You can't do that. That's not your job.

• 1:19:32Speaker 03

  I, well, I'm aware of that now, but at the time, I mean.

• 1:19:34Caleb Hammer?

  Did they?

• 1:19:35Speaker 03

  They didn't ask me to or anything. No, no, no, no. I was just trying to make their lives easier because I saw how hard they were.

• 1:19:40Caleb Hammer?

  The heart of it.

• 1:19:41Speaker 03

  I know.

• 1:19:42Caleb Hammer?

  Just, it's, it's destroying your life.

• 1:19:44Speaker 03

  They had, I'm the youngest of five kids.

• 1:19:46Caleb Hammer?

  Then it really shouldn't be you.

• 1:19:47Speaker 03

  And they started having kids when they were young, obviously, you know?

• 1:19:51Caleb Hammer?

  My parents, I don't know.

• 1:19:52Speaker 03

  I know, but it's like, they tried to go to college and then they couldn't afford college because obviously college is expensive. And so my mom got a full-time job and my dad works full-time, but he's working in like, it's, it's like construction, but I don't want to make it sound difficult. But it's basically like a construction job with plumbing. And so he's, works outside a lot of the time, all day.

• 1:20:11Caleb Hammer?

  In Florida, the Florida geek.

• 1:20:13Speaker 03

  Exactly. And it scares me really bad and I see how hard he works. So I was just trying to like.

• 1:20:16Caleb Hammer?

  Putting things on credit cards without them changing the behavior that got them there in the first place is one, enabling them and then two.

• 1:20:23Speaker 03

  They, my mom works at a bank. She tries hard. My mom works at a bank. I mean, she tries hard to pay things off.

• 1:20:28Caleb Hammer?

  She works at a bank.

• 1:20:29Speaker 03

  No, I mean, she knows what she's doing. It's just, it feels like we constantly get screwed.

• 1:20:33Caleb Hammer?

  Know what you're doing, trust me.

• 1:20:34Speaker 03

  We got foreclosed on in Miami and that's where a lot of it came from.

• 1:20:40Speaker 03

  Yeah.

• 1:20:42Speaker 03

  I don't really know how else to describe that.

• 1:20:43Caleb Hammer?

  I'm just saying if I sat down with them.

• 1:20:45Speaker 03

  Yeah.

• 1:20:45Caleb Hammer?

  They're trying.

• 1:20:47Speaker 03

  I mean, yeah, but wouldn't.

• 1:20:48Caleb Hammer?

  Two things happened from what you did. Three things. One, you had a good heart and I appreciate that.

• 1:20:52Speaker 03

  Hope.

• 1:20:53Caleb Hammer?

  Cool. Number two.

• 1:20:55Speaker 03

  Yeah.

• 1:20:55Caleb Hammer?

  Number three.

• 1:20:58Caleb Hammer?

  Probably just enabled their behavior that they got them there in the first place. You, based on everything I've seen on the show, that is likely what happened.

• 1:21:05Speaker 03

  Yeah.

• 1:21:07Speaker 03

  Well, the car payment is a lot of what screwed me up.

• 1:21:09Caleb Hammer?

  So you had a trailer and all this stuff that for moving?

• 1:21:12Speaker 03

  Yeah.

• 1:21:13Caleb Hammer?

  Fuck dude, for turtles and bullshit?

• 1:21:15Speaker 03

  Yeah.

• 1:21:16Caleb Hammer?

  The fuck you doing? And that cost thousands?

• 1:21:20Speaker 03

  No, I wouldn't say thousands. I mean, I was just like all of it.

• 1:21:23Caleb Hammer?

  How much did it cost?

• 1:21:25Speaker 03

  The trailer was probably about three hundred for just like to move up here and then I had to pay for rent and stuff, but I didn't have anything put aside, so I paid rent. The first month of rent was like basically on me because my boyfriend, his stuff didn't start until he was in classes, which was in January, not December. So I had to pay for the first month. Does that make sense?

• 1:21:49Caleb Hammer?

  It does.

• 1:21:50Speaker 03

  Yeah, I mean, I don't know how else to describe it.

• 1:21:51Caleb Hammer?

  No, it does.

• 1:21:52Speaker 03

  Yeah.

• 1:21:52Caleb Hammer?

  And that, that part's fine.

• 1:21:53Speaker 03

  Yeah, but that's where like a good amount of it came from was that and everything just being built up for so long. Cause I also put.

• 1:22:01Caleb Hammer?

  You're not working there?

• 1:22:03Speaker 03

  Where? In Gainesville? I was, but it was part time because I was also helping take care of my grandma.

• 1:22:08Caleb Hammer?

  Who's taking care of your grandma now?

• 1:22:09Speaker 03

  My parents when they come home. Otherwise she's just home alone.

• 1:22:13Caleb Hammer?

  Yeah, but what about when they're not home?

• 1:22:15Speaker 01

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• 1:22:45Speaker 03

  She's not, I mean, she can still do things.

• 1:22:47Caleb Hammer?

  That means you could have worked more. Sorry, I'm a natural pushbacker.

• 1:22:50Speaker 03

  No, I wanted to, but it was my grandma asking me not to, like asking me to help her. Well, she was asking me to stay and help her. I mean.

• 1:22:57Caleb Hammer?

  That's so hard. I know. That's so hard. But at a certain point, it also is just like, I never want to be in a position if I have kids that I am delaying them from actually being able to live their best life. And then I delayed them from starting their life for a decade.

• 1:23:11Speaker 03

  I mean, it delayed me from starting school until the spring. Yeah. It was supposed to start in the fall, but I stayed because she was not okay.

• 1:23:18Caleb Hammer?

  And I'm not against the heart of it. It's just, it's just the.

• 1:23:21Speaker 03

  It's just like, there's been a lot of things that have been with my family that have made it feel very stupid.

• 1:23:26Caleb Hammer?

  4,500 that you owe currently. It's gonna go much higher. Personal loan.

• 1:23:31Speaker 03

  Oh, yeah. That I knew.

• 1:23:35Speaker 03

  I also had, there's also, I don't know if it's in there anywhere. Yeah, but this is a separate. There's also probably some medical debt somewhere, not in here, because I can't find it. But I had knee surgery at 19 or 18.

• 1:23:48Caleb Hammer?

  What happened?

• 1:23:49Speaker 03

  We have no idea. It's not fixed. The surgery didn't fix it. But my knee dislocates on its own.

• 1:23:55Caleb Hammer?

  What do you do? Just like pop it in? I don't know how it works.

• 1:23:57Speaker 03

  I literally just force it back into place, but we, they, I was going.

• 1:24:00Caleb Hammer?

  Can I see?

• 1:24:02Speaker 03

  I have, my mom has a video of it somewhere.

• 1:24:04Caleb Hammer?

  We'll do that in the post show.

• 1:24:05Speaker 03

  Yeah, I was gonna say, I can find it, but.

• 1:24:07Caleb Hammer?

  Okay, so student loans, well, let's talk about that in a second. Let's go with what's here. Student loan, again, I'm okay with you barring more. What's your, what's the intro salary for the position you're trying to get?

• 1:24:17Speaker 03

  I don't know the, oh, you mean yearly?

• 1:24:18Caleb Hammer?

  What's the position you're trying to get?

• 1:24:20Speaker 03

  Any, any psychology, so therapist, anything like that. And they start around.

• 1:24:24Caleb Hammer?

  Yeah, but you're gonna need more than just a bachelor for therapy.

• 1:24:26Speaker 03

  No, because I can get the certification, which allows me to go, yeah, which allows me to go right into it. So basically, I can start out at 60,000 if I get that right away.

• 1:24:34Caleb Hammer?

  Okay.

• 1:24:35Speaker 03

  And then it gets more with experience, obviously.

• 1:24:37Caleb Hammer?

  Do this, but by the student loan rules.

• 1:24:40Speaker 03

  Yeah.

• 1:24:40Caleb Hammer?

  You can technically borrow 60,000 dollars.

• 1:24:42Speaker 03

  Yeah.

• 1:24:43Caleb Hammer?

  In low interest federal student loans.

• 1:24:45Speaker 03

  But see, I was going to, but because my mom started to get, make more, which she really didn't, it was just to cover the COVID relief. They pulled my funding, so I couldn't get any funding for school. So a lot of, like, there's a bunch of, like, random school purchases. That's because my loan isn't there.

• 1:25:01Caleb Hammer?

  Federal.

• 1:25:02Speaker 03

  I tried to do unsubsidize and they said that I was not eligible for it.

• 1:25:05Caleb Hammer?

  What does she make?

• 1:25:06Speaker 03

  I have no idea offhand, but that's why this year that's gonna, so this semester, this upcoming semester or year, whatever, that's gonna change because I'm considered independent now, independent.

• 1:25:15Caleb Hammer?

  There you go. So have you applied?

• 1:25:16Speaker 03

  I, yes, I did. I just have to wait for this. I have to wait for the semester's grades to post before they tell me.

• 1:25:22Caleb Hammer?

  I did 250. That's not bad for being two years in.

• 1:25:25Speaker 03

  Yeah.

• 1:25:26Caleb Hammer?

  Oh, okay. So far, it's the good so far, not the bad so far. Okay. So my checking account. So that's all your debt. You said you have some medical debt. How big though?

• 1:25:34Speaker 03

  Probably. I genuinely would not know what to tell you. My mom did it.

• 1:25:37Caleb Hammer?

  If it's small, it's not gonna show up on your credit.

• 1:25:39Speaker 03

  Okay, cool. But that's the only other thing I would know.

• 1:25:41Caleb Hammer?

  If it's large, it's gonna take a bit to show up on your credit, but then it will.

• 1:25:44Speaker 03

  My car is also debt. I don't know if that's where that is.

• 1:25:47Caleb Hammer?

  Did I have that document?

• 1:25:47Speaker 03

  I, you didn't go through it yet, but.

• 1:25:51Speaker 03

  Oh, I think the problem was that the car is in my mom's name. No, it's, it's in, I'm, I'm the secondary on it. But I didn't have any credit. Um, 23 and change, I believe. Yes.

• 1:26:01Caleb Hammer?

  Oh!

• 1:26:02Speaker 03

  Yeah.

• 1:26:02Caleb Hammer?

  No fucking, what's the interest rate?

• 1:26:05Speaker 03

  5% I believe.

• 1:26:06Caleb Hammer?

  Okay, that's not horrible. That's an insane balance. I'm making $2,000 a month?

• 1:26:10Speaker 03

  Yeah, I hate it. That I genuine, that's the one thing I can't even argue with you on, because I hate that.

• 1:26:15Caleb Hammer?

  You can't argue with me on any of this, honestly.

• 1:26:18Speaker 03

  No, but I genuinely did not want to pay that much. It's a 2019 Chevy Colorado.

• 1:26:23Caleb Hammer?

  I haven't even heard of that. It's worth $12,000. It's worth $12,000.

• 1:26:28Speaker 03

  The dealership told me it was worth 17.5.

• 1:26:31Caleb Hammer?

  When?

• 1:26:32Speaker 03

  Both right before I moved.

• 1:26:34Caleb Hammer?

  It's worth $12,626 median.

• 1:26:38Speaker 03

  Okay.

• 1:26:38Caleb Hammer?

  Private party, which is usually higher than dealerships.

• 1:26:42Speaker 03

  That makes, alright, I mean, I believe you. I just.

• 1:26:43Caleb Hammer?

  I mean, even if it's 17, you're down five.

• 1:26:45Speaker 03

  Yeah, I know. No, I already, I, I hate that fact. Cause I tried to go in and trade it in for something cheaper and it would have put me in more debt, so I didn't do that. Because the car was worthless.

• 1:26:56Caleb Hammer?

  You're underwater.

• 1:26:56Speaker 03

  Yeah.

• 1:26:57Caleb Hammer?

  Minimum payment?

• 1:26:58Speaker 03

  5.15.

• 1:27:00Speaker 03

  It's horrible.

• 1:27:01Caleb Hammer?

  For how long?

• 1:27:02Speaker 03

  Um, I think another two years. It was five years. It was five years.

• 1:27:07Caleb Hammer?

  It's been three years and you still owe twenty-three?

• 1:27:08Speaker 03

  No, wait. It's been two years. Two full years.

• 1:27:12Caleb Hammer?

  So three more years?

• 1:27:12Speaker 03

  Mm-hmm. Three more years. Yeah. Sorry.

• 1:27:14Caleb Hammer?

  Okay, almost two thousand in your checking account. That is not bad. But it is up from forty-four when you started. So I feel like we're in just that part before you go down again to where you were.

• 1:27:24Speaker 03

  Probably.

• 1:27:24Caleb Hammer?

  And you went in and got some bullshit. Went and got some bull- bull- dirty dog's car wash BS. BS.

• 1:27:31Speaker 03

  I told you about the car wash thing. That was a suspicion.

• 1:27:34Caleb Hammer?

  But there's two.

• 1:27:35Speaker 03

  Yeah, because I-

• 1:27:36Caleb Hammer?

  I had the credit card and then the net checking account.

• 1:27:39Speaker 03

  There should not be another one on the credit card.

• 1:27:41Caleb Hammer?

  There is. That's what we were looking at earlier, remember?

• 1:27:43Speaker 03

  Yeah, no.

• 1:27:44Caleb Hammer?

  First watch-

• 1:27:44Speaker 03

  Oh, that one is my boyfriend's car. Sorry.

• 1:27:47Caleb Hammer?

  Why is it on your checking account?

• 1:27:49Speaker 03

  Because we share that checking account.

• 1:27:50Caleb Hammer?

  You share with a boyfriend?

• 1:27:51Speaker 03

  Yes.

• 1:27:52Caleb Hammer?

  Don't. Separate.

• 1:27:54Speaker 03

  Okay.

• 1:27:55Caleb Hammer?

  Skims?

• 1:27:58Caleb Hammer?

  BS. BS. Always walking out of the grocery store or something.

• 1:28:01Speaker 03

  Yeah.

• 1:28:02Caleb Hammer?

  Of like four dollars.

• 1:28:03Speaker 03

  That I hate.

• 1:28:05Caleb Hammer?

  This I hate. Savings went down from five thousand five hundred to one thousand three hundred. What happened?

• 1:28:10Speaker 03

  That is because my, um, I had-

• 1:28:12Caleb Hammer?

  What are skims even?

• 1:28:13Speaker 03

  It's for bras and stuff.

• 1:28:16Caleb Hammer?

  It's inexpensive.

• 1:28:17Speaker 03

  It, it is expensive, though.

• 1:28:19Caleb Hammer?

  Are there Amazon Basics bras?

• 1:28:21Speaker 03

  Yeah, but they all suck and they wear out really fast. So I just assumed it was better to get the one that lasts.

• 1:28:26Caleb Hammer?

  I thought we were all free in the nip anyway. I do. Look at me.

• 1:28:28Speaker 03

  Yeah, I can't at work, though. That's the problem. I would totally, but I can't at work. Um, the thing with that, that money partially was not mine. It was strictly school. That was savings for school.

• 1:28:39Caleb Hammer?

  For who?

• 1:28:41Speaker 03

  Like, family from a long time ago. And then I had it in there.

• 1:28:47Speaker 03

  So that was not like my money. Does that make sense? It was just sitting in there because that savings account had a better interest rate than my original savings account. So I just had it in there because I felt like it was better to keep it there.

• 1:28:59Caleb Hammer?

  Yeah. Where'd it go?

• 1:29:01Speaker 03

  To school. It went to tuition.

• 1:29:02Caleb Hammer?

  Right to tuition.

• 1:29:03Speaker 03

  One hundred percent went to tuition. My tuition was like at least nine grand or something like that.

• 1:29:07Caleb Hammer?

  I only got like a thousand in there.

• 1:29:08Speaker 03

  Yeah.

• 1:29:10Caleb Hammer?

  Uh, another checking account, three hundred bucks and they're started with one ninety-five. Looks like payroll coming in.

• 1:29:16Speaker 03

  Yeah, part of my paycheck goes there for my car.

• 1:29:18Caleb Hammer?

  Twenty-two dollars in the savings account for that. Oh, Publix 401K?

• 1:29:23Speaker 03

  And that's gonna go up because I got full-time.

• 1:29:25Caleb Hammer?

  Pretty good. Are you only taking the match?

• 1:29:28Speaker 03

  Um, I think so, yes.

• 1:29:29Caleb Hammer?

  Only take the match?

• 1:29:30Speaker 03

  Yes.

• 1:29:31Caleb Hammer?

  I don't know what the match is, but only take it. You know what the match is?

• 1:29:34Speaker 03

  No, I do not, because I just started that. Like, I just started changing it because I got full-time. So they, I only had one option when I was part-time and it was, hey, do this.

• 1:29:43Caleb Hammer?

  Don't look at the market.

• 1:29:44Speaker 03

  You know, no, I don't. It's a percentage of my check and I can choose the percentage. I think right now it's at like ten or something.

• 1:29:51Speaker 03

  But I'm, I have no idea about retirement stuff.

• 1:29:54Caleb Hammer?

  Let's get you a budget.

• 1:29:55Speaker 03

  Okay.

• 1:29:57Caleb Hammer?

  Total income, two thousand dollars. What's your portion of rent?

• 1:30:01Speaker 03

  Uh, about eight hundred.

• 1:30:04Speaker 03

  I know.

• 1:30:04Caleb Hammer?

  Too expensive. If I go on Zillow right now, I cannot find a place cheaper.

• 1:30:08Speaker 03

  Probably not.

• 1:30:09Caleb Hammer?

  What happens if I prove you wrong?

• 1:30:11Speaker 03

  I'm, I mean, I'm in a lease, so there's really nothing I can do about it, but.

• 1:30:14Caleb Hammer?

  Well, not have gone into at least you said you were looking forever, but also we can potentially, we can potentially get out, but either way. Why is it under recently sold? I don't care about that. No, on the coast?

• 1:30:24Speaker 03

  No. Well, kind of. We're ten minutes from the beach, but we're not like on the water.

• 1:30:30Caleb Hammer?

  Oh, for fuck's sake.

• 1:30:31Speaker 03

  The college is right there. I mean, it's kind of.

• 1:30:33Caleb Hammer?

  No, I'm just saying, you for fucking spring break, you're already where everyone goes.

• 1:30:38Speaker 03

  Yeah.

• 1:30:39Caleb Hammer?

  You're right, it is gonna be probably expensive. You said fucking Orlando.

• 1:30:42Speaker 03

  Yeah, I said near Orlando.

• 1:30:43Caleb Hammer?

  What do you pay for your two bed?

• 1:30:44Speaker 03

  Uh, one, the total is seventeen oh seven ninety-one, I believe, every month. But then we split that.

• 1:30:51Caleb Hammer?

  Seventeen, you said?

• 1:30:52Speaker 03

  Yeah, seventeen.

• 1:30:52Caleb Hammer?

  Let's just say.

• 1:30:55Caleb Hammer?

  Okay, I have seventy-five rentals available for fourteen hundred or less.

• 1:30:59Speaker 03

  Is that including any utilities or anything?

• 1:31:01Caleb Hammer?

  Oh, some, I'm sure. Lots of twelve hundred dollar ones, lots of twelve hundred dollar apartments. Lots of twelve hundred dollar apartments. And it's one bedroom, you guys already sleep together. It's okay. Utilities, how much?

• 1:31:13Speaker 03

  Uh, about a, less than fifty bucks, because we, it's the only one.

• 1:31:16Caleb Hammer?

  Utilities aren't included here anyway. Internet, how much?

• 1:31:19Speaker 03

  We don't pay for internet, it's included.

• 1:31:22Caleb Hammer?

  Gas, vroom, vroom, drive, drive for you.

• 1:31:25Speaker 03

  Maybe forty bucks every two weeks.

• 1:31:26Caleb Hammer?

  Car insurance, two weeks, okay, so eighty.

• 1:31:29Speaker 03

  Okay.

• 1:31:29Caleb Hammer?

  Car insurance.

• 1:31:30Speaker 03

  On a month, I pay every six months.

• 1:31:32Caleb Hammer?

  How much every six months?

• 1:31:33Speaker 03

  Um, around nine hundred, I believe.

• 1:31:37Speaker 03

  It's good, it went up because I moved, which I don't understand why.

• 1:31:39Caleb Hammer?

  One hundred fifty dollars a month. Phone bill?

• 1:31:42Speaker 03

  I don't pay for that.

• 1:31:43Caleb Hammer?

  Thanks. You do use helium if T-Mobile service is good in your area.

• 1:31:47Speaker 03

  I was planning to.

• 1:31:48Caleb Hammer?

  I'm gonna do your minimum payments and not what you should put towards those two zero percenters.

• 1:31:54Speaker 03

  Okay.

• 1:31:54Caleb Hammer?

  To pay it off. Obviously, no payments on those two loans now, but, oh, the car, really? Nine oh five sixty seven is owed on a monthly basis. I mean, you're already over, so it's like a TP fund, you can do a hundred, you can do three hundred of groceries. Again, use the cookbook, okay? Comes with the premium version of the budgeting app, and you can get a physical version signed if you sign up for the annual version. I'll mail it to you. Medical on a monthly basis, I know you're broken, how much?

• 1:32:21Speaker 03

  Um, sixty for meds, I believe.

• 1:32:23Caleb Hammer?

  Not bad. Gym?

• 1:32:25Speaker 03

  Don't, I don't need it, I have a school school.

• 1:32:28Caleb Hammer?

  How many cats?

• 1:32:29Speaker 03

  Two.

• 1:32:30Caleb Hammer?

  Health and age?

• 1:32:31Speaker 03

  Uh, both five, and they're both healthy.

• 1:32:33Caleb Hammer?

  Get pet insurance on budgeting sixty bucks.

• 1:32:35Speaker 03

  Okay.

• 1:32:36Caleb Hammer?

  You're five hundred dollars under, five hundred eleven dollars and sixty seven cents under.

• 1:32:40Speaker 03

  Under like what I make? Okay.

• 1:32:43Caleb Hammer?

  But I can't have you working more hours, in fact, I might cut.

• 1:32:46Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters. So you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones, member SIPC.

• 1:33:15Caleb Hammer?

  Back down to thirty.

• 1:33:18Caleb Hammer?

  Rare case, but you only have two years to go.

• 1:33:21Speaker 03

  Yeah.

• 1:33:21Caleb Hammer?

  Student loans, borrow, try not to go over twenty thou- what's your semester cost?

• 1:33:26Speaker 03

  Uh, that's last semester was nine out of pocket, because I had scholarships.

• 1:33:30Caleb Hammer?

  Nine thousand?

• 1:33:30Speaker 03

  Mm-hmm, because I had scholarships. And they, I get to keep the scholarships. So this, this semester I'm in.

• 1:33:35Caleb Hammer?

  You're in your first semester.

• 1:33:36Speaker 03

  Yeah.

• 1:33:36Caleb Hammer?

  Three more to go?

• 1:33:37Speaker 03

  At this college, mm-hmm, at least, yeah.

• 1:33:41Caleb Hammer?

  Okay, twenty seven thousand? I'm okay with that, borrow that.

• 1:33:44Speaker 03

  Okay.

• 1:33:44Caleb Hammer?

  For student loans, no more out of pocket expenses, everything you have is going to life expenses.

• 1:33:49Speaker 03

  Okay.

• 1:33:50Caleb Hammer?

  But you're still under.

• 1:33:54Caleb Hammer?

  You guys need to downgrade your apartment when you, when, when you can.

• 1:33:57Speaker 03

  Yeah, when we can, I'm planning on that, actually.

• 1:33:59Caleb Hammer?

  Well, I'd plan on go talking to your office and ask if you can get out.

• 1:34:04Speaker 03

  Okay.

• 1:34:05Caleb Hammer?

  If it's expensive to break, then don't, but...

• 1:34:09Caleb Hammer?

  That's a conversation you're gonna have tomorrow.

• 1:34:13Caleb Hammer?

  And we had to get the iPad, and to get all this f- return the iPad. Yes. When did you buy it?

• 1:34:21Speaker 03

  Hmm, like a little under a month ago.

• 1:34:23Caleb Hammer?

  Ah, it's gonna, ah, I think Best Buy's two weeks, go cry.

• 1:34:27Speaker 03

  Okay.

• 1:34:28Caleb Hammer?

  Go cry to them, we know you can do it.

• 1:34:31Speaker 03

  Hey, that's not fair.

• 1:34:33Caleb Hammer?

  I'm kidding. Just go into Best Buy, I think they have a two week return policy, beg, beg, beg, beg, beg. Wah, I can't afford life, which is true. Which is true. Let's just get rid of the minimum monthly payment, any minimum monthly payment we can just strip away, the better.

• 1:34:48Speaker 03

  At least I'm on zero APR.

• 1:34:49Caleb Hammer?

  If you can actually sell your car for seventeen thousand dollars, sell your car for seventeen thousand dollars.

• 1:34:57Speaker 03

  Like to anybody, or like through something?

• 1:34:58Caleb Hammer?

  Five hundred, private sale preferably.

• 1:35:00Speaker 03

  Okay.

• 1:35:01Caleb Hammer?

  Bar- borrow six... Uh, it's gonna be hard.

• 1:35:05Speaker 03

  I was gonna say.

• 1:35:06Caleb Hammer?

  No, no, no, just hold on a second, you can borrow the six thousand dollars and then you can pay it off, personal loan, and then get a ten thousand hour car loan for a ten thousand hour car.

• 1:35:12Speaker 03

  Okay.

• 1:35:13Caleb Hammer?

  That brings you down to sixteen thousand hours, that's less debt to pay off, but I bet your minimum payments are gonna be pretty similar with the, both those loans combined. So that doesn't save you on the monthly basis. I would still do that.

• 1:35:23Speaker 03

  Yeah.

• 1:35:24Caleb Hammer?

  But I'm trying to figure out how to get you there on a monthly basis.

• 1:35:26Speaker 03

  Well, I did try to do the whole like signing the car thing.

• 1:35:29Caleb Hammer?

  Do a part of student loans for living expenses, but you do not have one single cent of going out to eat or fun or anything. No more Legos, no nothing. I don't know how you've survived that to this point.

• 1:35:39Speaker 03

  I did tell him like, we can't do it anymore.

• 1:35:41Caleb Hammer?

  In the summer, are you working or are you?

• 1:35:43Speaker 03

  No, I'm absolutely working. I have no choice.

• 1:35:45Caleb Hammer?

  Killing yourself in the summer. You're going eighty hours a week. Eighty hours a week, realistically sixty hours, but just go hard, the hardest you can push you to your limit so that you can save up enough to funnel your living expenses for the next school year. And that gets us even.

• 1:36:04Speaker 03

  Is that with work? Was that with going to school in the summer too? Cause I'm also going to school in the summer.

• 1:36:08Caleb Hammer?

  Well, that's I, sorry. I said school or work.

• 1:36:10Speaker 03

  Oh, I'm sorry. No, I'm, I thought.

• 1:36:12Caleb Hammer?

  How much school?

• 1:36:13Speaker 03

  I, full time still.

• 1:36:14Caleb Hammer?

  Hmm. Why? If you're doing three more semesters.

• 1:36:17Speaker 03

  To just, because I'm also doing the minor, so I'm trying to get them all done as soon as possible.

• 1:36:22Caleb Hammer?

  Well, we have to pay for that too, though.

• 1:36:26Speaker 03

  I think this summer is cheaper though. This, cause I also, I still have scholarships.

• 1:36:31Caleb Hammer?

  Into the student loans.

• 1:36:32Speaker 03

  Yeah.

• 1:36:32Caleb Hammer?

  Listen, you might borrow about forty thousand dollars to go to school. And I'm okay with that as long as you actually finish this, kill it and get into a good paying sixty thousand dollar intro career and move your way up from there. If that's actually the intro, if it's less than that, then you cannot borrow this much. But maybe you're borrowing forty thousand and some of that is subsidizing your lifestyle, but you're gonna work your ass off in the summer as well.

• 1:36:52Speaker 03

  Yeah.

• 1:36:54Caleb Hammer?

  If you ever need an extra, there's nothing for psychology, but I can always, of course, gift you a course career certification.

• 1:37:01Speaker 03

  Yeah.

• 1:37:01Caleb Hammer?

  Just maybe your boyfriend. I don't know.

• 1:37:03Speaker 03

  Honestly, that would be great for him.

• 1:37:05Caleb Hammer?

  Yeah, we can do that. Um. Yeah, I mean, work as much as you can. You're gonna be in a deficit. It's okay to federal student loan borrow some of the.

• 1:37:13Speaker 03

  What happens if they do the same thing they tried to do last year and they don't give it to me? Like they don't let me take.

• 1:37:18Caleb Hammer?

  Your status is different, so.

• 1:37:19Speaker 03

  I hope, I mean, I hope they give it to me, but I, Florida student loans right now are really stupid.

• 1:37:23Caleb Hammer?

  Scholarships.

• 1:37:24Speaker 03

  Uh, all the time. I'm constantly doing that. Yeah.

• 1:37:27Caleb Hammer?

  Uh, uh, yeah, I mean, if that happens, then we can have a conversation. We can go from there. But I'm going off the assumption that you can.

• 1:37:35Speaker 03

  I've just already put a lot into the school, so I don't wanna like give up on it.

• 1:37:39Caleb Hammer?

  No, I'm not saying you can give up either, but if you have to take one year to save up for the next two years of living expenses, like that's not gonna be the worst.

• 1:37:45Speaker 03

  Yeah.

• 1:37:46Caleb Hammer?

  Like, I'm okay with you starting this career at 23.

• 1:37:49Speaker 03

  I had even considered doing that, but I had already pushed my application back and they told me they weren't gonna let me, so.

• 1:37:54Caleb Hammer?

  Now that you're in, ask if you can take a year off.

• 1:37:56Speaker 03

  Yeah, like a gap.

• 1:37:56Caleb Hammer?

  So, they just say I need to do it to save up some money. And if you start your career at 24, that's not a bad thing.

• 1:38:01Speaker 03

  Yeah.

• 1:38:02Caleb Hammer?

  Okay, so there's a lot of options here, okay?

• 1:38:04Speaker 03

  Also.

• 1:38:05Caleb Hammer?

  That's what you need to start doing.

• 1:38:06Speaker 03

  If anything with pub- or if anything with, um, like, that doesn't work out, the store I work for, the managers make at least a hundred thousand dollars a year, so I could always move out.

• 1:38:15Caleb Hammer?

  But that's gonna demand a lot of your time, which takes away from school, and it's not gonna be as flexible.

• 1:38:20Speaker 03

  I'm saying like, if the school thing doesn't work out, like.

• 1:38:22Caleb Hammer?

  Oh, if you want to do it, sure.

• 1:38:24Speaker 03

  I still have, I have two options for good career. Yeah, like, it's not, I'm not like stuck at nothing, you know?

• 1:38:29Caleb Hammer?

  Join us for the post-show, we're gonna call the boyfriend and confess how bad this actually is, cuz he doesn't really know. We're also gonna watch her get her knee disjointed, and I'm sure there's extra drama and all this stuff that I don't yet know about that Lindsay, the team master, is gonna bring up. So make sure you join Hammer Elite in the description below. It says 10 bucks a month, but literally it's thousands of hours of extra content and we upload something every day, every day. It's the best YouTube membership there is. Hammer Financial Score, spending in a budget, zero out of 10. Debt? It's really not the worst debt, you're just being very stupid with it. The car's dumb. It's gonna be a two out of 10, the car brings it down pretty hard.

• 1:39:02Speaker 03

  Yeah.

• 1:39:02Caleb Hammer?

  Emergency fund, one out of 10, cuz that's all you got really there. Retirement? For your income and where you actually are, your retirement for your age is quite good. I'm gonna give that a...

• 1:39:14Speaker 03

  I'm so excited for that one.

• 1:39:16Caleb Hammer?

  Seven out of 10. Real estate, zero out of 10. And that's not expected at this age, so this is gonna be not too shabby, cuz you did stock up a good starting retirement. So two out of 10, not bad for 21. While in college and being in debt, that is not that bad of a score.

• 1:39:33Speaker 03

  Yay. I'm going to Norway.

• 1:39:35Caleb Hammer?

  You t- you don't have enough money! Two vacations? Why possibly? What?

• 1:39:42Speaker 03

  Because it's my family's vacation.

• 1:39:43Caleb Hammer?

  I don't give a f- they can pay for it then. Call your boyfriend, put him on speakerphone.

• 1:39:47Speaker 03

  I have to tell you all of my debt.

• 1:39:48Caleb Hammer?

  How much do you think your girlfriend, Sabrina's?

• 1:39:51Speaker 03

  That is. Five thousand? Hmm. Yeah, it's a lot more than that.

• 1:39:54Speaker 07

  To watch the Financial Audit Post Show, click the Join button below.

• 1:39:59Speaker 00

  At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.