Someone Finally Walked Off 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.

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You have a loan on the membership?

• 0:04Speaker 01

  If you wait and listen.

• 0:06Caleb Hammer?

  I'm reacting, girl. People can react.

• 0:09Speaker 01

  You're making assumptions, not just reacting.

• 0:11Caleb Hammer?

  If the membership you could cancel, I would be okay with this. I'm just saying my opinion. You know, the guy who runs the show?

• 0:17Speaker 01

  I just don't like people talking over me, trying to answer.

• 0:23Caleb Hammer?

  Are you a coward? Where are you going? You can't handle this?

• 0:27Speaker 01

  Hi, my name's Rachel. I am 29 years old from Sacramento, California, and this is Financial Audit.

• 0:34Caleb Hammer?

  Wow, thanks for coming to Austin. What do you do for a living in Sacramento?

• 0:38Speaker 01

  Um, I mostly do kinda, I would call it freelance. So I am a pet sitter. Um, I do house sitting and I also work as an administrative assistant.

• 0:49Caleb Hammer?

  Like, um, I know some people who do pet sitting, like, one of my original guests on the show who I met doing a second show we did on the street, dude makes like 250,000 dollars a year at pet sitting. So this could be good. What do you do? How much are we making?

• 1:05Speaker 01

  Um, when I was doing it full time, like working myself to the bone, this was a couple of years ago.

• 1:10Caleb Hammer?

  What are you making now? That's what I care about.

• 1:12Speaker 01

  Now, um, this is my first month back into it. I have

• 1:17Caleb Hammer?

  Okay.

• 1:17Speaker 01

  I have a, um, a proposed $600 income this month, but, um, I know, I know.

• 1:28Caleb Hammer?

  I just reached for my stress ball hearing that.

• 1:30Speaker 01

  Uh huh, uh huh. Um, I

• 1:34Caleb Hammer?

  There has to be more than that, though.

• 1:35Speaker 01

  I

• 1:36Caleb Hammer?

  Cause we don't, we don't allow people to come on unless they don't have income anymore. So there has to be more. What?

• 1:42Speaker 01

  Some income.

• 1:43Caleb Hammer?

  Okay, but it's not real, because we can't do anything with it. So what? What?

• 1:47Speaker 01

  Um, I make another probably two, 250 a month from the admin work. Um,

• 1:54Caleb Hammer?

  I am being specifically told that you have income.

• 1:58Speaker 01

  I

• 1:58Caleb Hammer?

  What is the money that comes in? I'm sorry. I don't, I'm not trying to be rude off the bat. This is like, we have been very particular about making sure that people come on that have income.

• 2:07Speaker 01

  Well, eh, eh, yeah. I mean, I, I shared all of that when I sent in my, my documents that I kinda like.

• 2:14Caleb Hammer?

  Yeah, we had payroll deposits.

• 2:16Speaker 01

  Yeah, cuz I

• 2:16Caleb Hammer?

  On your documents.

• 2:17Speaker 01

  I just recently separated from a company.

• 2:19Caleb Hammer?

  Okay, well, that's different. That is a different situation. Okay. Well, I will allow, why, what was the separation? I will allow that.

• 2:26Speaker 01

  Um, it was a

• 2:29Speaker 01

  Difficult situation between management and I. So I did get a severance and um.

• 2:35Caleb Hammer?

  So you got laid off. What? Your phone's. Sorry.

• 2:40Speaker 01

  I turned the vibrator off.

• 2:41Caleb Hammer?

  No, it's flashing at me.

• 2:42Speaker 01

  I know. That's the notification thing. I can, I don't know how to turn that off anymore. Probably accessibility.

• 2:48Caleb Hammer?

  Flip it upside down.

• 2:49Speaker 01

  Well, then the screen's gonna light up.

• 2:52Caleb Hammer?

  Just put it in your pocket. I'm sorry. I'm sorry.

• 2:56Caleb Hammer?

  Oh, okay.

• 2:58Speaker 01

  Yes.

• 2:59Caleb Hammer?

  Oh, wow. I was, uh, just trying to look at you and I don't think it showed up on camera, but it was just like. Flashing. Okay. Okay, okay, okay, okay, okay. Yeah, we had payroll deposit of two thousand eight hundred thirty six. So that's what we went off of. That's what we cared about.

• 3:12Speaker 01

  Yes.

• 3:12Caleb Hammer?

  That was severance. What was this job?

• 3:14Speaker 01

  Um, I was a remote registered vet tech. So I do carry that license.

• 3:19Caleb Hammer?

  Oh, oh, great. And we can get into vet. Vets usually understaffed in general, right?

• 3:24Speaker 01

  Yes.

• 3:24Caleb Hammer?

  Especially on the emergency part.

• 3:26Speaker 01

  Yes.

• 3:26Caleb Hammer?

  Okay, great. So, well, you got laid off. Why'd you get laid off?

• 3:30Speaker 01

  Uh.

• 3:30Caleb Hammer?

  You scared all the dogs with your laugh?

• 3:34Speaker 01

  Um, no. So, um, it was, like I said, it was from home. So there were no animals involved. But as far as why separated, there was a whole thing about ADA accommodations and my boss just started lying about me and stuff like that.

• 3:52Caleb Hammer?

  What are the accommodations that you need?

• 3:53Speaker 01

  I have, um, both physical and mental ADA accommodations. So.

• 3:58Caleb Hammer?

  Yeah, what?

• 3:59Speaker 01

  I have a physical disability that affects my collagen. So none of my joints work.

• 4:05Caleb Hammer?

  I don't think vet tech would be a good job.

• 4:07Speaker 01

  I know. I know. It's not anymore.

• 4:09Caleb Hammer?

  Very on the feet and bending over.

• 4:12Speaker 01

  I know. I haven't been in hospital since twenty nineteen because of this.

• 4:15Caleb Hammer?

  That makes more sense. Maybe we, okay, we start looking for different career fields at that point.

• 4:20Speaker 01

  I know, which is why I'm.

• 4:22Caleb Hammer?

  Cause twenty nineteen between now and here, like, trust me, I get it. And it sounds like something that may be developed over time. And I have sympathy of that. If it was starting today and, you know, we would start planning for the future. This is, that was five years. You had five years to think about your future. Five years isn't significant in the span of a lifetime.

• 4:37Speaker 01

  Yeah.

• 4:38Caleb Hammer?

  So isn't insignificant.

• 4:40Speaker 01

  I did think about going back to school. Um, and then I got this job back in December of twenty twenty three.

• 4:45Caleb Hammer?

  Remote vet tech.

• 4:47Speaker 01

  Full-time, remote vet tech job.

• 4:48Caleb Hammer?

  How do you be a remote vet?

• 4:49Speaker 01

  Uh, customer care. So when people call about pet.

• 4:53Caleb Hammer?

  What were you making in this job? Cause maybe this is another job that we can get somewhere else.

• 4:56Speaker 01

  Hourly? I was making twenty three.

• 4:59Caleb Hammer?

  And how many hours a week did you work?

• 5:01Speaker 01

  Forty.

• 5:02Caleb Hammer?

  It's a little hard in California. It's expensive. Fucking money is kinda, yeah, right?

• 5:06Speaker 01

  Yeah, it's stupid.

• 5:08Caleb Hammer?

  They don't build housing. It's a, a really ineffective place to live for being able to afford to live.

• 5:13Speaker 01

  And I did own a house. I did.

• 5:15Caleb Hammer?

  You, wait, did, past did. You're twenty nine?

• 5:18Speaker 01

  Mm-hmm.

• 5:19Caleb Hammer?

  That's inc- for a lot of people, that's incredible to own a house before.

• 5:24Speaker 01

  I had money. I was real good with money. And then.

• 5:29Caleb Hammer?

  Okay, so then I will ask then, I will just ask. What is going on here?

• 5:36Speaker 01

  So I was with a guy, we were together for six years, but we were only married for two weeks.

• 5:43Caleb Hammer?

  Okay.

• 5:44Speaker 01

  Uh-huh.

• 5:45Caleb Hammer?

  It's kind of a. Hookup of intermarriage, okay?

• 5:48Speaker 01

  Blew up everything, everything.

• 5:51Caleb Hammer?

  Who, hold on.

• 5:53Speaker 01

  Yeah.

• 5:53Caleb Hammer?

  But you were together for six years?

• 5:55Speaker 01

  Mm-hmm. Mm-hmm.

• 5:58Caleb Hammer?

  Mm-hmm, mm-hmm.

• 5:59Speaker 01

  Mm-hmm.

• 6:00Caleb Hammer?

  Okay.

• 6:04Speaker 01

  Yeah, yeah.

• 6:05Caleb Hammer?

  Okay.

• 6:06Speaker 01

  Um.

• 6:07Caleb Hammer?

  So.

• 6:07Speaker 01

  Yeah.

• 6:08Caleb Hammer?

  Why, why did we divorce after two weeks?

• 6:11Speaker 01

  So.

• 6:12Caleb Hammer?

  Did you keep laughing in the middle of the night?

• 6:14Speaker 01

  No.

• 6:15Caleb Hammer?

  Okay.

• 6:15Speaker 01

  Enjoyed my life, my laugh, thank you very much.

• 6:18Caleb Hammer?

  I'm poking at you.

• 6:19Speaker 01

  So, right before we got married, I came out as bye, and then we decided to continue with the wedding. I really wanted a girlfriend and he was.

• 6:29Caleb Hammer?

  Oh.

• 6:30Speaker 01

  I know, he was iffy about that, and then I decided that women probably weren't enough because our life was really horrible.

• 6:40Caleb Hammer?

  Why were you getting married then? You knew you wanted to have a girlfriend, he wasn't a girlfriend. And the life wasn't there, which a lot of people find to be very important.

• 6:49Speaker 01

  I know.

• 6:49Caleb Hammer?

  Me included, like it's normal.

• 6:51Speaker 01

  Yeah.

• 6:51Caleb Hammer?

  So, why did we go through the marriage if it ended in two weeks?

• 6:56Speaker 01

  Because I knew I always wanted to be with him, like for the rest of my life. I just didn't know, I just, obviously not well. Um, I just didn't know that I always only wanted to be with him cuz like I think I'm kind of poly.

• 7:12Caleb Hammer?

  Propose.

• 7:13Speaker 01

  I didn't propose.

• 7:14Caleb Hammer?

  No, that's not what I was gonna ask.

• 7:16Speaker 01

  Oh, I. Sorry.

• 7:17Caleb Hammer?

  Oh, poly, poly, poly, poly. Poly. Is that into everything?

• 7:21Speaker 01

  No, polyamorous is having like multiple partners.

• 7:24Caleb Hammer?

  Yes, okay, I'm less good at terms, okay.

• 7:28Speaker 01

  It's, it's not a relationship, but.

• 7:31Caleb Hammer?

  Sure.

• 7:31Speaker 01

  Uh huh.

• 7:32Caleb Hammer?

  Yeah.

• 7:33Speaker 01

  Yeah.

• 7:33Caleb Hammer?

  Okay, oh, oh, that I was actually just gonna ask, were you proposing having an open marriage?

• 7:38Speaker 01

  Yes.

• 7:38Caleb Hammer?

  Okay.

• 7:39Speaker 01

  And I also gave him the same thing and he was like, I don't even want that.

• 7:43Caleb Hammer?

  Were you not willing to then not do that?

• 7:48Speaker 01

  I was at a point in my life where.

• 7:51Caleb Hammer?

  Where you just got married?

• 7:53Speaker 01

  Yeah.

• 7:53Caleb Hammer?

  A lifetime commitment, okay?

• 7:55Speaker 01

  I know I've, I know I've.

• 7:57Caleb Hammer?

  Sure, sure.

• 7:58Speaker 01

  Um, but I was in at a point in my life where I was really scared. I like covid had just happened. I was discovering all this stuff about my own. Twenty twenty.

• 8:08Caleb Hammer?

  Okay.

• 8:09Speaker 01

  Yeah, so I don't even know if we're fully divorced yet, to be honest.

• 8:13Caleb Hammer?

  What do you mean?

• 8:14Speaker 01

  Like legally.

• 8:15Caleb Hammer?

  Really?

• 8:16Speaker 01

  Yeah. I, cuz he called me the other day.

• 8:19Caleb Hammer?

  Messy?

• 8:20Speaker 01

  Yeah.

• 8:20Caleb Hammer?

  Is it messy?

• 8:21Speaker 01

  It's, it's not angry messy.

• 8:24Caleb Hammer?

  Okay.

• 8:25Speaker 01

  It's.

• 8:26Caleb Hammer?

  Then why not get this figured out and settled? Are you with anyone else?

• 8:30Speaker 01

  I was, right now I'm single.

• 8:32Caleb Hammer?

  Okay, then we would want, I feel like we would just want this settled out, at least for the comfort of someone else, once you're with them.

• 8:39Speaker 01

  Yeah, it's, it's still hard emotionally.

• 8:42Caleb Hammer?

  What to, to, to.

• 8:44Speaker 01

  I know.

• 8:45Caleb Hammer?

  To, why, but okay, I see, okay, you're into polygamy, that doesn't mean you can't be monogamous, though.

• 8:50Speaker 01

  Right, and I have discovered since I.

• 8:53Caleb Hammer?

  Why'd you give up two weeks?

• 8:55Speaker 01

  I didn't give up.

• 8:56Caleb Hammer?

  He gave up.

• 8:56Speaker 01

  He gave.

• 8:57Caleb Hammer?

  He called it, so you said, I want polygamy, and he was like, no monogamy, no monogamy, oh, wait, no, no mogamy.

• 9:03Speaker 01

  Yeah, so he halfway agreed to it, and then he took it back and threw his ring at the table.

• 9:09Caleb Hammer?

  Okay.

• 9:10Speaker 01

  So.

• 9:10Caleb Hammer?

  Ooh.

• 9:11Speaker 01

  Yeah.

• 9:12Caleb Hammer?

  Which is hard, but that almost sounds like kind of an emotional moment. Surprised there wasn't like a regrouping after like thinking about it.

• 9:18Speaker 01

  I tried for a long time.

• 9:19Caleb Hammer?

  Okay, okay, well, I'm sorry.

• 9:22Speaker 01

  I know, me too.

• 9:22Caleb Hammer?

  That's really hard.

• 9:23Speaker 01

  Me too.

• 9:24Caleb Hammer?

  Uh, four years ago.

• 9:25Speaker 01

  Yeah.

• 9:26Caleb Hammer?

  Okay.

• 9:27Speaker 01

  And he contacted me the other day looking for a place to serve me and I said, I don't have an address.

• 9:32Caleb Hammer?

  We got there.

• 9:33Speaker 01

  Oh, it's a.

• 9:34Caleb Hammer?

  Washington Monument?

• 9:35Speaker 01

  No, it's just a, uh, like a stim stimulation chewy. So that, cause like, you know, ADHD tism, you know?

• 9:43Caleb Hammer?

  Uh, I apparently have tism because I have this little thing and I'm just always like.

• 9:46Speaker 01

  Yeah, yeah.

• 9:48Caleb Hammer?

  But this is because I like to play with things.

• 9:50Speaker 01

  Nervous system, which is real nervous.

• 9:52Caleb Hammer?

  Okay.

• 9:53Speaker 01

  Not right now for any reason, but just in general.

• 9:56Caleb Hammer?

  So the life blew up?

• 9:57Speaker 01

  Yes.

• 9:58Caleb Hammer?

  What did life blow up? Cause you know, we said, what happened? You said that happened, so what, what is happening?

• 10:04Speaker 01

  Right now or then?

• 10:06Caleb Hammer?

  Just what does, what are we looking at?

• 10:08Speaker 01

  Right now or then?

• 10:10Caleb Hammer?

  How did we get here and where are we?

• 10:12Speaker 01

  How'd we get here? See, that's a then question. So how'd we get here? Twenty nineteen injury, late twenty nineteen injury. Right? Remember how I got disabled?

• 10:22Caleb Hammer?

  Okay. Oh, you said college an issue.

• 10:25Speaker 01

  Yeah, which because.

• 10:26Caleb Hammer?

  It came from an injury or an injury happened? You didn't tell me about an injury.

• 10:30Speaker 01

  Right. So I had an injury, uh, November twenty nineteen.

• 10:33Caleb Hammer?

  Okay.

• 10:34Speaker 01

  And that never healed when it should have healed in like three weeks. And so from November to January, I was doing physical therapy, taking meds.

• 10:46Caleb Hammer?

  Okay, I apologize. Where are we at today?

• 10:48Speaker 01

  Okay, um, so today I have applied for disability several times since twenty nineteen. I have been declined.

• 10:57Caleb Hammer?

  Okay.

• 10:58Speaker 01

  Uh, because I'm not disabled enough.

• 11:00Caleb Hammer?

  What kind of makes sense? I mean, you could do a lot, not a lot of physical labor.

• 11:04Speaker 01

  Exactly.

• 11:05Caleb Hammer?

  And there's not, I mean, most desk jobs are not physical labor jobs.

• 11:09Speaker 01

  Right.

• 11:09Caleb Hammer?

  And in California, it's a lot of information systems types job. It's less of a going into the coal mines kind of state.

• 11:16Speaker 01

  Yeah, definitely. Um, it, it's really hard because.

• 11:22Caleb Hammer?

  What?

• 11:24Speaker 01

  It's hard to not be able to do what you love.

• 11:26Caleb Hammer?

  What do you love?

• 11:27Speaker 01

  The vet. Vetman.

• 11:28Caleb Hammer?

  Okay.

• 11:28Speaker 01

  Yeah.

• 11:29Caleb Hammer?

  Alright, well, I mean, you did this job and then he got laid off because you were doing it well, I guess, or something, maybe?

• 11:35Speaker 01

  I was doing it well.

• 11:35Caleb Hammer?

  Well, you got laid off for a reason.

• 11:37Speaker 01

  Yeah, cuz my boss did, I was, I stood up to my boss and she did not like that.

• 11:42Caleb Hammer?

  Well, hold on, was it like true dissubordination, like?

• 11:47Speaker 01

  No, it was, she was saying I was doing.

• 11:51Caleb Hammer?

  Dissubordination, that's not the word.

• 11:52Speaker 01

  Dis- disobedience.

• 11:54Caleb Hammer?

  No, that's not the word, subordinate, no.

• 11:55Speaker 01

  Subornance?

• 11:56Caleb Hammer?

  Insubordinate.

• 11:57Speaker 01

  Ah, there we go. We f- that, we got there.

• 11:59Caleb Hammer?

  Okay, yeah, cuz it could have been that, like, if you blow up in an inappropriate way, and that is cause for fire.

• 12:05Speaker 01

  No, so it was all, um, like, we would have these verbal meetings, she would say, you know, we would come to an agreement, and then when she would write up the written for HR, it was different.

• 12:17Caleb Hammer?

  Okay, maybe you, I'm, I'm play, I always play devil's advocate.

• 12:22Speaker 01

  Of course you do.

• 12:23Caleb Hammer?

  Maybe you, like, interpreted the conversation different.

• 12:26Speaker 01

  Um, her and her boss are BFFs, like, they went to college together.

• 12:32Caleb Hammer?

  Cool, how does that mean they wanna f- you, though? Why would they wanna f- you?

• 12:36Speaker 01

  She was intimidated by me because I called her out.

• 12:39Caleb Hammer?

  Usually when people say that, the other person's not, to be very clear.

• 12:43Speaker 01

  Because I called her out on her shit.

• 12:45Caleb Hammer?

  Someone say, that person's intimidated by me, they're not.

• 12:48Speaker 01

  I wasn't the only one that said that.

• 12:50Caleb Hammer?

  Pay attention to that person existing.

• 12:52Speaker 01

  I, well, she paid attention enough to make up lies.

• 12:55Caleb Hammer?

  Okay, what were the lies, what were the lies?

• 12:57Speaker 01

  The lies were that I was doing something incorrectly. I shouldn't get into specifics of that, of that job, but that I was.

• 13:05Caleb Hammer?

  It just flashed at me again, through the paper, that thing, that thing is trying to give me a seizure. I've never seen this in my life, thank you.

• 13:12Speaker 01

  You're welcome. Um, easily distracted, obviously.

• 13:16Caleb Hammer?

  Always.

• 13:16Speaker 01

  So, um, I, she didn't have, the company didn't even have SOPs, so.

• 13:24Caleb Hammer?

  Okay, was the small, just, was it getting started up?

• 13:27Speaker 01

  It.

• 13:27Caleb Hammer?

  Cuz sometimes it takes a while for companies to grow.

• 13:30Speaker 01

  So it was, uh, it's been a company for a long time, but it got bought by another company. So it should have had SOPs from when it was its own company.

• 13:40Caleb Hammer?

  Okay, so we got laid off.

• 13:42Speaker 01

  Yeah. Long story short, you asked why, so I was telling you.

• 13:45Caleb Hammer?

  Sure, sure, sure. I know. I'm just, I'm just, I'm getting us forward, moving us forward.

• 13:49Speaker 01

  Uh huh.

• 13:50Caleb Hammer?

  Got laid off.

• 13:51Speaker 01

  Uh huh.

• 13:51Caleb Hammer?

  How long have you been laid off now?

• 13:53Speaker 01

  Literally October 25th and today is November 7th.

• 13:55Caleb Hammer?

  So that's okay. This is different than the people who just don't have a job. You recently got laid off and now we're in the we need to get a job.

• 14:02Speaker 01

  Yes.

• 14:02Caleb Hammer?

  Phase.

• 14:03Speaker 01

  And I have applied.

• 14:03Caleb Hammer?

  That is different.

• 14:04Speaker 01

  Okay, good. Good.

• 14:06Caleb Hammer?

  Okay.

• 14:06Speaker 01

  I have applied to a million places.

• 14:08Caleb Hammer?

  Yeah, it's only been a couple of weeks. It's okay. It takes a while.

• 14:10Speaker 01

  No, before, before, because I was thinking about just quitting.

• 14:13Caleb Hammer?

  Okay, well, we can go, maybe we'll go through your resume later.

• 14:16Speaker 01

  Okay, I would feel like that. I did send it in.

• 14:17Caleb Hammer?

  Oh, we have your resume. Good, good. We'll go through it later. We'll take a look at things.

• 14:21Speaker 01

  Okay.

• 14:21Caleb Hammer?

  And we'll take a look at your job experience and, you know, everything. Okay. But your finances. Listen up, business owners, especially those with messy bookkeeping. Early on, I tried handling, tracking every expense myself. Big mistake. And as a business owner, time is your most valuable asset and I was wasting hours of mine sorting through receipts. My advice? Get organized as early as possible. And with the sponsor of today's video, Relay, it's easy. Relay is a business banking platform designed to save you time and stress. My favorite part? You can open up to 20 free checking accounts. Organize your money into separate accounts for taxes, payroll, upcoming projects, or whatever you need from the start. It's total control over your cash flow all in one place.

• 15:05Caleb Hammer?

  Plus, if you've got a team like me, you can issue up to 50 debit cards with spending limits. Keep tabs on expenses without worrying about your money disappearing on business lunches. Trust me, when tax season rolls around, you'll be glad you made the switch. Accountants love this platform. Relay offers secure, read-only access for your accountant so they can keep your books clean without you having to chase down every last receipt. And for my audience, Relay's offering a $100 bonus when you sign up through relayfi.com/calebhammer or the link in the description below. Future, you will thank yourself for making the switch. So check out Relay today. Claim your $100 signup bonus and let's jump back into today's episode. Where are we at today? You're not making money.

• 15:49Speaker 01

  Uh huh.

• 15:49Caleb Hammer?

  This is what I've kind of been trying to get to. Yeah, yeah, yeah, but just temporarily you haven't been making money. So that's okay. This, a lot of what we're looking at here isn't a temporary situation. This has been a situation that likely takes years to get into. So why? What has been happening?

• 16:06Speaker 01

  The, like I said, prior to the separation, I had money.

• 16:12Caleb Hammer?

  Part of separation was like five years ago, so.

• 16:15Speaker 01

  And then.

• 16:15Caleb Hammer?

  Are you saying this was a five year operation? Okay, so what happened?

• 16:20Speaker 01

  I'm getting there.

• 16:21Caleb Hammer?

  Okay, okay.

• 16:25Caleb Hammer?

  And I don't have any.

• 16:27Speaker 01

  So, um, I made a lot of pretty intense impulsive decisions during that time. Um, so since I own the house, I was under this fairy tale that I was gonna live there forever. And so I put lots of money into the house, which I should not have done.

• 16:50Caleb Hammer?

  Well, depending, there's stupid money to put into a house and then there's smart money to.

• 16:54Speaker 01

  It was probably stupid.

• 16:55Caleb Hammer?

  What did you do and how much?

• 16:57Speaker 01

  I poured seventeen grand worth of concrete.

• 16:59Caleb Hammer?

  Concrete? What did you do? What were you doing?

• 17:03Speaker 01

  So it was a quarter acre, uh, the house was on a quarter acre. And I concreted around the perimeter and then a huge, like, all the way to the back of the property, uh, a flat, like for trailers or sheds or whatever.

• 17:17Caleb Hammer?

  Why?

• 17:18Speaker 01

  Because I wanted to live there for, and I needed sheds and I know.

• 17:22Caleb Hammer?

  What prevented you from moving then? Why didn't you live there forever?

• 17:27Caleb Hammer?

  Your house if you are gonna live there, but.

• 17:28Speaker 01

  And I also put solar on it and then that was. It was so stupid cuz I ended up having to pay it out when I got, um, when I sold it.

• 17:38Caleb Hammer?

  Why'd you sell it?

• 17:40Speaker 01

  Because I didn't wanna get foreclosed on.

• 17:42Caleb Hammer?

  Why would you have gotten foreclosed on? How much was this? What was the loan on this thing?

• 17:47Speaker 01

  Uh, I we bought it for three hundred.

• 17:51Caleb Hammer?

  Okay.

• 17:52Speaker 01

  And then I didn't refinance. I did like one of those. Where you take your missed payments and put them at the end of the month.

• 18:01Caleb Hammer?

  Why were you missing payments? How? What were your payments? What were your payments for three hundred thousand? With the low interest rates of COVID? What were the payments?

• 18:08Speaker 01

  Two grand.

• 18:09Caleb Hammer?

  Why couldn't we find two thousand? I'm not saying it's an insignificant amount of money, but why couldn't we find two thousand?

• 18:16Speaker 01

  Cause I.

• 18:17Caleb Hammer?

  Was this post separation?

• 18:18Speaker 01

  Yes.

• 18:19Caleb Hammer?

  Okay, well, that that's a difference and we know that you break when you go outside.

• 18:24Speaker 01

  I do break when I go outside.

• 18:25Caleb Hammer?

  Yes, yes, yes, yes, yes. You didn't have a job at that point. Okay.

• 18:28Speaker 01

  Yes, correct. And then that's when I started, because I was on state disability for a year after my injury. But they don't tell.

• 18:37Caleb Hammer?

  What was your injury?

• 18:38Speaker 01

  I had a right wrist injury. It was just simple tendonitis, but because it didn't heal, that's how they found out I have the collagen disorder. So it's still. I can only lift three pounds with my right wrist.

• 18:52Caleb Hammer?

  Yeah, but that didn't mean lifting isn't the only kind of job that exists out there. I mean, the most I've left in this office is like my cup of coffee.

• 19:01Speaker 01

  But when you have a specialty license, they they like give you that.

• 19:08Caleb Hammer?

  They give it.

• 19:09Speaker 01

  To be able to do this.

• 19:10Caleb Hammer?

  Of course, they give it. That doesn't mean that's where you have to go.

• 19:14Speaker 01

  I know.

• 19:14Caleb Hammer?

  I mean, you're missing your. So obviously, this wasn't.

• 19:17Speaker 01

  Not for the first long while, because I had a big.

• 19:21Caleb Hammer?

  I'm gonna get in your finances. I'm sorry. This is just, this has been going for a moment and I just need to know.

• 19:27Speaker 01

  Yeah.

• 19:28Caleb Hammer?

  But for self assess first. It's always important. I want to see where you think it is.

• 19:31Speaker 01

  Hundred percent.

• 19:32Caleb Hammer?

  You think you're a zero out of ten?

• 19:33Speaker 01

  I think that your scale is a little skewed, just to be honest. Because I, as you state it verbally, you're like zero being the absolute worst and I don't think that. Everybody is at a zero, like the absolute worst.

• 19:48Caleb Hammer?

  Well, not everybody said a zero. What are you talking about?

• 19:50Speaker 01

  I don't think that the average person, and I know average is a whole thing, but I don't think the that. Somebody in my situation, where I have a roof over my head, is the worst possible.

• 20:02Caleb Hammer?

  Um, yeah, I mean, that's certainly over exaggeration, right? But if like your debt is kind of like, yeah, it really doesn't get worse than this because like, sure, you could add some numbers, but at that point. It's just like, like, this is. Like that's still a zero like for the debt score and then it all compounds throughout there. No real estate, zero, obviously.

• 20:22Speaker 01

  Yeah.

• 20:22Caleb Hammer?

  So it still becomes a zero. Sure. Yeah, you could be homeless under a bridge. It's a little different, but.

• 20:28Speaker 01

  I'm just homeless in a cardboard box.

• 20:29Caleb Hammer?

  Watch your Hammer financial score. Go to Calebhammer.com or click the link in the description below. You can also go to Calebhammer.com/apply. We'd happy to have you on the show. Our application's actually gotten a lot easier. We just updated it to make it more streamlined. So make sure you check it out. We'd love to have you on the show. Okay. So, I see a Subaru. You look like a Subaru kinda gal. You have that California Subaru girly energy.

• 20:58Speaker 01

  Thanks. I think.

• 21:00Caleb Hammer?

  Yeah, I'm gonna go camp in a forest somewhere.

• 21:02Speaker 01

  That is actually where I live.

• 21:05Caleb Hammer?

  In the forest?

• 21:06Speaker 01

  Mm hmm. I live, my house is a seventeen foot teardrop trailer.

• 21:11Caleb Hammer?

  So when you, when you said roof over your head, you meant a vehicle?

• 21:15Speaker 01

  I meant something with a bed and a kitchen and a shower.

• 21:20Caleb Hammer?

  A shower?

• 21:21Speaker 01

  Yeah, the toilet's inside the shower.

• 21:22Caleb Hammer?

  Oh, good.

• 21:23Speaker 01

  Yeah.

• 21:24Caleb Hammer?

  Um, okay, sure.

• 21:26Speaker 01

  So I got all my.

• 21:27Caleb Hammer?

  No, no, no, it's better than not having a roof.

• 21:29Speaker 01

  Thank you.

• 21:30Caleb Hammer?

  It's a technical roof, but that's not usually what people think. Okay.

• 21:35Speaker 01

  It counts as homelessness in the state of California?

• 21:37Caleb Hammer?

  Yeah.

• 21:38Speaker 01

  Yeah.

• 21:38Caleb Hammer?

  Cause it's a vehicle.

• 21:41Caleb Hammer?

  Uh, but okay, okay. Okay. Well, that puts things a little more into perspective before. So is that the Subaru? That's not the Subaru.

• 21:49Speaker 01

  I tow it with a Subaru.

• 21:51Caleb Hammer?

  Do you have like designated spots or are you just everywhere?

• 21:54Speaker 01

  So I have a.

• 21:55Caleb Hammer?

  It's gonna be harder for you to have a job without a permanent address.

• 21:58Speaker 01

  You betcha this.

• 22:00Caleb Hammer?

  Okay.

• 22:00Speaker 01

  Why do you think I can't go into an office?

• 22:03Caleb Hammer?

  Cause you don't have a permanent address. Why don't we work on, you were making money until a couple of days ago. It's like if you were in this situation forever, I'd be a little more.

• 22:16Speaker 01

  Want to be.

• 22:17Caleb Hammer?

  I'd be a little more, okay, it makes sense. We can't afford a place over our head when we don't have a job. No, you literally had a job until right now. So why weren't we trying to get a roof over our head?

• 22:25Speaker 01

  I have a roof over.

• 22:26Caleb Hammer?

  Come on, you know what I'm talking about. The permanent address.

• 22:28Speaker 01

  I don't want one.

• 22:30Caleb Hammer?

  Okay, congratulations. Then you're probably gonna have a harder time getting a job and then you're probably gonna live in poverty and then fuck you. Like that's the end of the conversation then. It's like we just determined.

• 22:37Speaker 01

  There are.

• 22:38Caleb Hammer?

  Just determined.

• 22:39Speaker 01

  Plenty of remote jobs.

• 22:40Caleb Hammer?

  Cool. How are they, how's that going?

• 22:42Speaker 01

  Not well.

• 22:44Caleb Hammer?

  So we literally just determined that you would have a better chance of getting a job if you had a permanent address.

• 22:51Speaker 01

  Mm-hmm, and you know how much more money that would cost me per month?

• 22:54Caleb Hammer?

  Yes, but you had the stable income.

• 22:57Speaker 01

  Yeah, I have the stable income living in my trailer.

• 23:00Caleb Hammer?

  Stop. And that, even if a little more expensive, trust me, I get it. It would have been more expensive on a monthly basis. I really do understand that. But it would have prevented the situation you're in right now extending longer than it needs to. Because you would have been able to at least get, listen, I'm sorry, it makes sense. If I'm hiring someone as the boss of this place, it makes more sense making sure that someone lives in a certain radius here, because it is more guaranteed that they are going to be here, because you invest a lot of money into an employee when you're first getting them set up especially. You, and then it's time, it's energy, and then replacing someone is even more time and energy. You want the best chance that they're gonna succeed.

• 23:43Caleb Hammer?

  Hiring you would be on the lower chance of going to succeed of an in-person role.

• 23:50Speaker 01

  That, I don't, but that's the thing is, in-person role is just not...

• 23:55Caleb Hammer?

  You don't have to lift everything in in-person.

• 23:57Speaker 01

  No, no, no, no, it's not about that. It's not about that.

• 24:00Caleb Hammer?

  Then what is it about?

• 24:02Speaker 01

  It's about my mental health.

• 24:04Caleb Hammer?

  Oh, for fuck's sake, okay.

• 24:05Speaker 01

  I know, I, that's a value of mine.

• 24:07Caleb Hammer?

  What? It's a value?

• 24:09Speaker 01

  Yes, a value of mine is to not put myself in a situation that's gonna make me much, much worse for my mental health, especially considering I have ADA accommodations.

• 24:20Caleb Hammer?

  You haven't told me what they are.

• 24:21Speaker 01

  Uh, because you didn't ask.

• 24:23Caleb Hammer?

  Yes, I did.

• 24:23Speaker 01

  I, and I said mental and physical, and you didn't ask for elaboration, so.

• 24:27Caleb Hammer?

  Elaborate.

• 24:28Speaker 01

  Thank you. My ADA mental accommodation is, um, up to thirty-two hours a month of, um, time off that is paid typically. And it is for, it's typically a half day every other week, and then...

• 24:49Caleb Hammer?

  Is that forced federally?

• 24:51Speaker 01

  I don't know what that means.

• 24:52Caleb Hammer?

  I cuz I I'm not, I don't do the HR, so my other guy, like if there are anything like that, he's making sure we're following guidelines and stuff like that. Is that forced federally that someone is not allowed to look at that when determining hiring? Cuz I know there are disability protections, of course. Is that specifically? Because it's not, why the would I pick you over someone who I know will come into work? Without the hassle of me having to reorchestrate everyone else's office in a small business around your life.

• 25:21Speaker 01

  Hmm hmm. I don't think that they are allowed to know. Plus.

• 25:27Caleb Hammer?

  Oh, allowed to know. Well, that's different. I mean, more discriminate against it if that's a thing. I know there are certain things you can't discriminate against. I don't know if it's that one.

• 25:34Speaker 01

  I don't either. So that's.

• 25:36Caleb Hammer?

  Well, why wouldn't you know? Shouldn't you be the one that does know? You and HR?

• 25:41Speaker 01

  Well, HR.

• 25:43Caleb Hammer?

  You were just complaining about at the beginning that the other company wasn't following it, but now you don't even know if it's a legal requirement.

• 25:47Speaker 01

  What do you mean wasn't following it?

• 25:49Caleb Hammer?

  You said the other company wasn't.

• 25:51Speaker 01

  I said there was an issue with it.

• 25:53Caleb Hammer?

  I heard.

• 25:54Speaker 01

  Plus, I just, plus, throughout this situation, my therapist has come to the recommendation that I not have like a direct boss.

• 26:11Caleb Hammer?

  Girl, you're not gonna survive.

• 26:12Speaker 01

  Yeah, no.

• 26:13Caleb Hammer?

  Okay, I really don't understand the purpose then. This doesn't make sense. You're not gonna survive in this world. Everyone has a boss.

• 26:21Speaker 01

  Do you?

• 26:22Caleb Hammer?

  Yes, the audience.

• 26:23Speaker 01

  Uh huh.

• 26:24Caleb Hammer?

  I have a boss, the platform that I'm on. I have to follow the rules and regulations or else no, no money.

• 26:31Speaker 01

  Kind of like when I was pet sitting and making two grand a month and I was my own boss.

• 26:36Caleb Hammer?

  Kind of. I mean, they're still your boss, the people hiring you and paying you. Yeah, they hire you and they don't have to hire you again. What the are you talking about?

• 26:43Speaker 01

  Because you.

• 26:44Caleb Hammer?

  There's a direct level of management that might be different, but they're still your boss.

• 26:49Speaker 01

  Your boss versus your income is different. So your boss is who sets your schedule.

• 26:53Caleb Hammer?

  They do. They hire you.

• 26:55Speaker 01

  Exact- that's what I'm saying.

• 26:57Caleb Hammer?

  No, listen, if people aren't willing to hire you based on the schedule you say on Rover, then they are still setting your schedule because they don't want to hire you based on your schedule.

• 27:06Speaker 01

  That's not setting my schedule. Setting my schedule is what days I'm available to do.

• 27:10Caleb Hammer?

  You can say going into a job interview, these are the days that I'm not able to do things. And they will still judge your hiring based on that, just like someone on Rover is judging your booking based on that.

• 27:20Speaker 01

  That doesn't make them my boss, does it?

• 27:23Caleb Hammer?

  Okay, it's just being in a slightly different way, whatever. That's okay. I think you want to view it on a very like corporate overlord versus like you are accountable to someone.

• 27:33Speaker 01

  I am accountable to myself and my clients that I prompt.

• 27:37Caleb Hammer?

  You're accountable to Subaru because you owe them money and you signed a contract.

• 27:41Speaker 01

  Yeah, that was.

• 27:42Caleb Hammer?

  And you're like, I want to have a boss.

• 27:46Caleb Hammer?

  Well, your therapist said you shouldn't have a boss. And I'm a little concerned by that. Big advocate for mental health, but she kind of you with that one.

• 27:55Speaker 01

  I think she cares more about me being alive.

• 27:58Caleb Hammer?

  Yeah, you need money to survive.

• 28:02Caleb Hammer?

  Like, I get it. But also.

• 28:06Caleb Hammer?

  No, I get that, but there's always different levels is the thing, right? Like, I want to come at this from sympathy, but I'm also always coming at it from logic as well and devil's advocate. The thing is, is there's so many different levels of bosses. You can have a non-micromanaging boss that, you know, he's still or or she or whatever that.

• 28:23Caleb Hammer?

  That person just sets like, here's the goals we're trying to hit. Can you help us get there with your experience? Or over the McDonald's manager that's like looking behind you as you're dropping fries in the oil, you know, there's different levels. Your therapist is saying, I don't think you should have a boss feels kind of like a disservice to me because there's so, so much in between different levels of what a boss looks like. Even you have figured that out without figuring that out when we talked about the Rover thing.

• 28:52Speaker 01

  Okay.

• 28:55Speaker 01

  Mike, so.

• 28:58Speaker 01

  Where where I lost my train of thought. I'm so sorry. Can you repeat the last sentence you said?

• 29:04Caleb Hammer?

  What's your plan for survival then?

• 29:06Speaker 01

  That was not the last.

• 29:07Caleb Hammer?

  No, but that's what I care about. Because you're you're like, I can't do this. I can't do this. I can't do this. I can't do this. I can't do this. At that point, it's like, then what?

• 29:15Speaker 01

  Exactly. So my next step is to um the company, we did sign an agreement that they will not contest an unemployment filing. So I am moving forward at that. I had to wait for my.

• 29:30Caleb Hammer?

  How long are you at that job?

• 29:31Speaker 01

  Uh, ten months.

• 29:34Caleb Hammer?

  Are you gonna qualify for unemployment?

• 29:36Speaker 01

  Uh, if you're over six months.

• 29:39Speaker 01

  At least in California.

• 29:41Speaker 01

  So.

• 29:42Caleb Hammer?

  So your job is to be on unemployment.

• 29:44Speaker 01

  Uh huh, and then do my pet sitting.

• 29:47Caleb Hammer?

  Even though we know you can probably do more, but.

• 29:50Speaker 01

  Uh huh, which I'm hoping to.

• 29:52Caleb Hammer?

  Listen, and I'm not gonna get you in a dangerous position. I understand what you and your therapist have been talking about, mostly like based on your things. Like I do kind of get it. Sounds like you just can't have a direct and authoritative person.

• 30:02Speaker 01

  Exactly.

• 30:03Caleb Hammer?

  But there are other levels of.

• 30:04Speaker 01

  Which I do.

• 30:05Caleb Hammer?

  You are you.

• 30:07Speaker 01

  I do.

• 30:07Caleb Hammer?

  Hold on, but you're just counting yourself out from the workforce, other than just independence.

• 30:11Speaker 01

  I agree.

• 30:12Caleb Hammer?

  In the workforce, small business is fifty percent of the GDP in this country, you know, that's the majority of jobs.

• 30:18Speaker 01

  Which I'm doing.

• 30:20Caleb Hammer?

  Okay, you brought in four hundred dollars, you said.

• 30:22Speaker 01

  I.

• 30:23Caleb Hammer?

  When we said small, I didn't mean like micro level of business, like we're talking a small business like this is a small business.

• 30:30Speaker 01

  Well, this is a very successful small business.

• 30:32Caleb Hammer?

  Yes, at a certain point, once it's like not surviving and four hundred dollars is not surviving.

• 30:40Speaker 01

  But I'm trying.

• 30:42Caleb Hammer?

  That doesn't mean anything.

• 30:43Speaker 01

  It does, because if I wasn't trying, I would.

• 30:46Caleb Hammer?

  Money's not participation trophies. You get, girl, you don't.

• 30:50Speaker 01

  Which I purchased in

• 30:51Caleb Hammer?

  The state of California, who, trust me, they are pretty on that side of making sure everyone feels yeah, yeah, yeah. They don't define you as having a roof over your head.

• 31:04Speaker 01

  But I don't go cold.

• 31:08Caleb Hammer?

  You don't pay your bill.

• 31:10Speaker 01

  I've

• 31:11Caleb Hammer?

  You lost your, you were forced to sell a house.

• 31:12Speaker 01

  Have I missed recently?

• 31:14Caleb Hammer?

  You were forced to sell a house.

• 31:16Speaker 01

  Uh huh.

• 31:16Caleb Hammer?

  Your dream house that you wanted to live in. So don't tell me that you're doing great.

• 31:20Speaker 01

  Two years ago.

• 31:21Caleb Hammer?

  I'm trying. It's not anything. You get rewarded with dollar bills based on something you provide. You do not survive off of participation trophies.

• 31:29Speaker 01

  Mm hmm.

• 31:31Speaker 01

  But

• 31:32Caleb Hammer?

  Become a little bickering.

• 31:33Speaker 01

  Oh, well.

• 31:34Caleb Hammer?

  Bickering match instead of going into your, I'm really meant to go into your numbers.

• 31:37Speaker 01

  You did. You did. But I got that severance package. So

• 31:41Caleb Hammer?

  Two thousand, though. That's not, that doesn't go very far.

• 31:43Speaker 01

  Yeah, it was one month's pay.

• 31:44Caleb Hammer?

  Especially in California.

• 31:45Speaker 01

  Yeah. So that gave me a little bit of cushion, which is good.

• 31:50Caleb Hammer?

  You were only there for 10 months. So one month for, one month for 10 months. That's actually not very, uh, that's, you know, pretty okay.

• 31:56Speaker 01

  Pretty okay. Cause they didn't want me to sue them.

• 31:58Caleb Hammer?

  Good luck with that. Okay.

• 32:00Speaker 01

  The lawyer didn't say good luck with that. So, thank you. You have a lot of green.

• 32:07Caleb Hammer?

  I don't.

• 32:11Caleb Hammer?

  Uh huh. Okay. Black Friday's starting today. Black Friday's starting today. All the way through December 6th, you get our entire educational class bundle for thirty-three percent off. You also get 20% off everything else, including merchandise. I've even added four new sections into our budgeting class, which is cementing it as the best budgeting program online. There's a reason why we have the lowest refund rate in the entire industry. Literally over 10,000 people have taken our educational services and they have changed their lives. And as an added bonus for this Black Friday couple of weeks sale, the first 250 people to purchase the bundle will get access to a private live Q and A where I go over my entire financial strategies. Change your life today. Thirty-three percent off, 20% off, depends on what you get. Check it out. Links in the description below.

• 32:56Caleb Hammer?

  By the way, as someone with many lawyers, uh, they're all Very happy for lawsuits. It's you gotta take the judgment of what makes sense. You can sue anyone for anyone in this country. That doesn't mean you have standing. Things can be thrown out in a heartbeat. And again, you don't even know your legal qualifications for what you're saying you're talking about and what you're saying you have, and neither do I.

• 33:15Speaker 01

  Right. So we're in the same position right here.

• 33:17Caleb Hammer?

  Yes, but you're overly confident that one, they were intimidated by you and two, you could have sued them into oblivion.

• 33:23Speaker 01

  Not into, I didn't say that. You exaggerator.

• 33:27Caleb Hammer?

  Yes, but you're making it sound like they're terrified of you.

• 33:30Speaker 01

  Why else would they give me a month's severance and unemployment?

• 33:32Caleb Hammer?

  Maybe they're a decent business.

• 33:37Caleb Hammer?

  To let someone go, I would want to give them a big chunk of money so they had a chance of survival. I would. Not everyone out there is a horrible piece of.

• 33:47Speaker 01

  Correct, and I agree with that.

• 33:50Caleb Hammer?

  It doesn't, that doesn't mean I'm intimidated. Jake, if I fire you tomorrow, it's I'm, and I promise I'm not giving you money because I'm terrified of you.

• 34:03Caleb Hammer?

  I don't know. He thinks six and a half is huge, so it doesn't really scare me. Sorry, that's like membership post-shows conversations. That's we'll save that for later. Either, okay, either way.

• 34:17Speaker 01

  Number me, baby.

• 34:18Caleb Hammer?

  Twenty-three thousand, three hundred two dollars. So this is a really high bi- uh, balance. When did we get this?

• 34:23Speaker 01

  Uh, January twenty twenty-two.

• 34:28Caleb Hammer?

  Okay, so we've had it for two years, well, basically almost three, and that's still an incredibly high balance. What is it, seventy-two months, eighty, whatever months? Well, which one?

• 34:36Speaker 01

  Probably seventy-two.

• 34:37Caleb Hammer?

  Okay, the five hundred two dollar minimum monthly payment, uh, more than your Rover income, great. That's gonna get us to our next.

• 34:45Speaker 01

  I had a projected of six hundred this month and I'm not booked up yet.

• 34:47Caleb Hammer?

  Oh, guys.

• 34:48Speaker 01

  And I get like.

• 34:49Caleb Hammer?

  We have a hundred dollars left to make everything work.

• 34:51Speaker 01

  Every day.

• 34:53Caleb Hammer?

  But how are you gonna, because this is what gets scary, right? Is just like because you didn't allow yourself to have a permanent roof is preventing you from getting an.

• 35:03Caleb Hammer?

  You know what I'm talking about?

• 35:05Speaker 01

  I know that you think you know what you're talking about?

• 35:08Caleb Hammer?

  If you, if you let, if you would have let me make my point, you would have understood the importance. Because you don't have the permanent roof.

• 35:17Speaker 01

  It is permanent.

• 35:19Caleb Hammer?

  Because of that, you're having a hard time getting an in-person job because that's what they consider to be a permanent roof. You get it? Cool.

• 35:26Speaker 01

  A permanent location and a permanent roof? Different.

• 35:31Speaker 01

  Permanent roof means I don't get.

• 35:33Caleb Hammer?

  Bird flies into that, the roof's gone.

• 35:37Speaker 01

  I don't know. Have you lived in a trailer? I think I have a little more experience on.

• 35:42Caleb Hammer?

  I had very close family members who lived in a trailer that I was over there often, okay?

• 35:46Speaker 01

  Okay, so you know my trailer and that my roof.

• 35:48Caleb Hammer?

  Oh, my gosh, you are so shut the. Listen, I'm just.

• 35:52Speaker 01

  Hey, don't get mad at me for standing up to myself. Standing up for myself, to you, standing up for myself, to you. Yes, I slipped up one word.

• 36:01Caleb Hammer?

  Listen, if you had any like justifiable, justifiable rationale behind it, I would be excited.

• 36:08Speaker 01

  Behind having a trailer, you haven't.

• 36:09Caleb Hammer?

  No, about, not that, about you interjecting every second right now. And usually I'm the one that gets in trouble for interjecting. So, listen. I'm just saying because you didn't focus on getting what society considers.

• 36:24Caleb Hammer?

  Will I ever be able to get this point out?

• 36:26Speaker 01

  Not if you keep saying things that I don't agree with.

• 36:28Caleb Hammer?

  No, I don't care if you agree with, I'm saying what society says. The point I'm trying to make isn't based on your opinion or my opinion.

• 36:37Speaker 01

  Okay.

• 36:37Caleb Hammer?

  So let me make it for sake.

• 36:40Speaker 01

  For sake.

• 36:41Caleb Hammer?

  Because you didn't take care of that beforehand. When you had a stable source of income, it is preventing you from getting a stable source of income because you have less places you can get a job at. Now, this is in a similar vein because you have such a high car payment, high loan balance and a high term. The moment something bad happens to this, just like your past job, let's say it gets totaled. Or let's say your income goes dry and you lose it because it gets repo'd, then that is now preventing you from getting to your Rover job as well. You're setting yourself up for these failures. If something goes wrong, you are not allowing yourself to have any security.

• 37:22Caleb Hammer?

  You are setting yourself up for a disastrous life because you refuse to, one, you don't need a twenty-three thousand hour car is what it is now. It was probably thirty thousand hours when you got it. Yeah, I didn't need that.

• 37:33Speaker 01

  More than that.

• 37:34Caleb Hammer?

  Uh huh, exactly. You don't need a five hundred dollar, huh?

• 37:38Speaker 01

  I special ordered it.

• 37:40Caleb Hammer?

  How are you supposed to order a Subaru?

• 37:42Speaker 01

  Um, because it was before it came out. So I bought it in, uh, so it's the 2022. And I bought it in December of 2021. Sort of. I ordered it in December of 2021 because they didn't come into dealer's share until later. That's what I meant.

• 37:59Caleb Hammer?

  Because that's what you needed.

• 38:01Speaker 01

  Yeah, I, it, uh.

• 38:04Caleb Hammer?

  Let me guess, this was a mistake. I've heard that a few times this episode.

• 38:06Speaker 01

  Um, no. So at the time, it was in what I considered. I don't know if investment is the right.

• 38:16Caleb Hammer?

  You consider a lot of things.

• 38:18Speaker 01

  I do, as, as does everybody.

• 38:20Caleb Hammer?

  No, no, no. You consider a lot of things incorrectly. Like you consider a trail or permanent residence.

• 38:26Speaker 01

  I don't think that's incorrect.

• 38:28Caleb Hammer?

  Well, it's not. No, no, no. This is a moving trailer. This isn't even one of those like mobile homes that is in a lot.

• 38:34Speaker 01

  Right. I wouldn't want that.

• 38:35Caleb Hammer?

  Exactly. You're in very much something not considered permanent in any way. You're moving it always.

• 38:41Speaker 01

  I am moving it always.

• 38:42Caleb Hammer?

  Well, we're not going back to that. Continue your point.

• 38:44Speaker 01

  Okay. Um, if I remember my point, what, what was I saying?

• 38:50Caleb Hammer?

  Do you think you're employable?

• 38:51Speaker 01

  Oh, yeah.

• 38:52Caleb Hammer?

  Why?

• 38:53Speaker 01

  Because I have a lot of skills.

• 38:54Caleb Hammer?

  Which are?

• 38:55Speaker 01

  Uh, there, so I have many years in customer service. I have the medical knowledge of an RBT and my license.

• 39:04Caleb Hammer?

  Do you think you, I'm just being genuine here. Genuine. I don't want to insult.

• 39:09Speaker 01

  I mean, that's your job.

• 39:10Caleb Hammer?

  You're exciting. That's not my job. That's, you know, I have a little bit of a energy to me, so that comes with my show.

• 39:17Speaker 01

  Mm-hmm, mm-hmm, mm-hmm.

• 39:19Caleb Hammer?

  Uh-huh.

• 39:19Speaker 01

  Not going to disagree.

• 39:20Caleb Hammer?

  No, of course not. Um, I mean, you watch the show, so.

• 39:24Speaker 01

  For the past week.

• 39:25Caleb Hammer?

  Of course. Really? Only a week?

• 39:26Speaker 01

  Yeah, I stumbled upon you last Monday. I saw one episode and I'm like, eh, some gigs apply.

• 39:31Caleb Hammer?

  Tied the trailer to Texas. Okay, so.

• 39:34Speaker 01

  I thought about it. It would have been more expensive.

• 39:36Caleb Hammer?

  So.

• 39:37Speaker 01

  Oh, that's what I was saying.

• 39:39Caleb Hammer?

  Your existence and how you present yourself and how you talk.

• 39:42Speaker 01

  Uh huh.

• 39:43Caleb Hammer?

  Uh, listen, uh, you know, actually, let me associate this to me for an example.

• 39:48Speaker 01

  Uh huh.

• 39:50Caleb Hammer?

  I actually did have to do some customer service there for a bit when I started my job. It was mixture of customer service and sales before. Uh, I went into sales, uh, my first post-college job.

• 39:58Speaker 01

  Mm hmm. Sales of scummy.

• 40:00Caleb Hammer?

  I would not, huh, sales?

• 40:02Speaker 01

  Mm hmm.

• 40:02Caleb Hammer?

  Uh, sales of scummy?

• 40:04Speaker 01

  Mm hmm.

• 40:04Caleb Hammer?

  What if you sell like something good? We weren't selling something good, but you can sell good things.

• 40:09Speaker 01

  And still try to get the most money possible with it.

• 40:12Caleb Hammer?

  I, I take the bait every time with you. I take the bait every time. Every time you say something, I will just. Okay. I wouldn't be good at customer service because I'm.

• 40:24Caleb Hammer?

  Are you sure you'd be good at customer service? You're all over the place. You're loud. You're a bit abrasive.

• 40:29Speaker 01

  In my personal life, that doesn't mean that that's my, my.

• 40:33Caleb Hammer?

  Oh, this is all I know about you.

• 40:34Speaker 01

  I know.

• 40:36Caleb Hammer?

  I have to, so that's just what I'm asking.

• 40:37Speaker 01

  Interview.

• 40:38Caleb Hammer?

  Huh?

• 40:38Speaker 01

  I said, cause this isn't a job interview.

• 40:41Caleb Hammer?

  It is an interview.

• 40:42Speaker 01

  Uh, right, but it's not for employment. So why would I present my employment? Personality. When I'm not here for that.

• 40:51Caleb Hammer?

  No, no, no. This isn't about the how you do in an interview. It's about how you do on a daily in a job. Just trying to figure out if you would do well in a job.

• 40:59Speaker 01

  I mean, I've had customer service positions.

• 41:01Caleb Hammer?

  Been laid off.

• 41:01Speaker 01

  Once.

• 41:03Caleb Hammer?

  Uh huh. Cause they were intimidated.

• 41:05Speaker 01

  Because there was a possibility that they were intimidated. Why else?

• 41:08Caleb Hammer?

  Oh, it's a possibility now.

• 41:09Speaker 01

  Why else would you start lying about somebody?

• 41:11Caleb Hammer?

  Okay, we're not going back to, we're not going back to, I'm sorry.

• 41:13Speaker 01

  Immediately after ADA accommodations get approved.

• 41:16Caleb Hammer?

  I'm so easy. I'm so easy. Guys, I'm too easy. Too easy.

• 41:19Speaker 01

  Okay.

• 41:19Caleb Hammer?

  Okay.

• 41:20Speaker 01

  You asked me about my car.

• 41:22Caleb Hammer?

  I asked you about your employment skills.

• 41:23Speaker 01

  Right, but previously the sentence that you wouldn't let me finish.

• 41:26Caleb Hammer?

  I'm gonna leave the interview on my job.

• 41:27Speaker 01

  Okay.

• 41:28Caleb Hammer?

  So how about you follow the current track, your employability skills?

• 41:31Speaker 01

  Mm hmm.

• 41:32Caleb Hammer?

  Do you think you're employable? You say yes, I say what skills you say you're good at this? Because without the employability.

• 41:37Speaker 01

  Mm hmm.

• 41:38Caleb Hammer?

  This conversation is pointless. So I want to see why you think you're employable.

• 41:41Speaker 01

  And I've been trying to tell you.

• 41:43Caleb Hammer?

  Well, you tried to go to another part of the conversation. So that's incorrect, but go ahead. Continue.

• 41:46Speaker 01

  Um, so like I said, I've got lots of customer service skills. I have administrative skills. Um, I have the medical knowledge and the medical license.

• 41:56Caleb Hammer?

  I like that one.

• 41:57Speaker 01

  Yeah, thank you. Um, it did cost a lot of money. And, um, I worked three jobs during college. It was hard. Anyways.

• 42:06Caleb Hammer?

  We have a lot of student loans here.

• 42:07Speaker 01

  Yeah. Um, so. Yeah, I mean, I've, I've got, I mean, we can look at my resume later.

• 42:17Caleb Hammer?

  Let's look at your resume. Can I have it?

• 42:20Caleb Hammer?

  Uh, if someone wants to, uh, slack it to me, that'd be chill.

• 42:23Speaker 01

  I have it on my phone too, if you need it.

• 42:25Caleb Hammer?

  Um, oh, that works.

• 42:26Speaker 01

  Okay.

• 42:26Caleb Hammer?

  Yeah. Let's see it flash me with its light. You're trying to assault me with, you just want me to start seasoning. So that. This conversation finishes.

• 42:37Speaker 01

  Uh, Google Drive. That's what I'm looking for.

• 42:41Caleb Hammer?

  Guys, she's qualified in technology. She can pull up Google Drive.

• 42:44Speaker 01

  You're such an.

• 42:45Caleb Hammer?

  I am, I'm sorry.

• 42:48Speaker 01

  And I just don't want that on screen, but you can.

• 42:50Caleb Hammer?

  Of course, of course. Finally, a resume that doesn't look like a piece of. We have a lot of resumes on this show.

• 42:57Speaker 01

  I appreciate that.

• 42:58Caleb Hammer?

  Location, California.

• 43:00Speaker 01

  Correct. I don't leave California because I'm on medical.

• 43:04Caleb Hammer?

  You're here.

• 43:05Speaker 01

  I meant living wise.

• 43:07Caleb Hammer?

  Um, this is so big, like, what if I'm trying to hire you in LA and I see California, I'm like, uh.

• 43:14Speaker 01

  That's why I only apply for remote positions.

• 43:17Caleb Hammer?

  Which is becoming so much more scarce and because of the scarcity and everyone wanting them, they are the most competitive jobs in the United States.

• 43:25Speaker 01

  Yeah, I've had a, a New York based and a Texas based.

• 43:30Caleb Hammer?

  I hope so.

• 43:31Speaker 01

  And then right now I'm doing um my tattoo artist for her her admin stuff.

• 43:37Caleb Hammer?

  Ooh, okay. I will say your passions and interests.

• 43:41Speaker 01

  Mm hmm.

• 43:42Caleb Hammer?

  Definitely, you can start vibing politicalness from it because.

• 43:47Speaker 01

  What does that mean?

• 43:47Caleb Hammer?

  You can start vibing, listen, I'm not against someone who's uh for animal rights, obviously I am too, or human rights, environmentalism, mental health, you know, authenticity and kindness and you know, that kind of stuff. But once you start putting that as a just as important as the key skills on here, I start seeing that. And well, I can see other people seeing that as, oh, she's gonna come in here and she's just gonna cancel the company.

• 44:15Speaker 01

  What what do you mean by cancel the company?

• 44:17Caleb Hammer?

  You know exactly what I mean. There are certain people.

• 44:20Speaker 01

  I wouldn't have asked if I did.

• 44:21Caleb Hammer?

  Huh?

• 44:21Speaker 01

  I wouldn't have asked for a clarification if I knew exactly what you meant.

• 44:24Caleb Hammer?

  That the moment, this this is something like that.

• 44:30Caleb Hammer?

  There's probably a lot of places where it's just like, how do I want to phrase this? I I want to let me think about this, where it's just like. Why stir up? And like, the I'm not translating it like this, I'm just saying some people could.

• 44:47Speaker 01

  Okay.

• 44:47Caleb Hammer?

  Some people could, that you could be in there, uh and the fact that you're layering just as equals your key skills. Your environmentalism and all this stuff, it could suggest to a potential employer that you're gonna be someone who goes in there. And then you're gonna be making issues about a bunch of different stuff, just constantly. You're gonna be someone who just gets offended, super easy. Like every conversation is gonna be an HR thing.

• 45:10Speaker 01

  Got it.

• 45:11Caleb Hammer?

  And says, and that is, and that that it's it's not a bad thing that you uh would feel passionate about things, it's not. But it's you indicating it just as important as your customer relations skills, your veterinary medicine skills, leadership skills. It's just as equal on your resume, it's the same size. Actually, no, passions and interests is actually bigger.

• 45:29Speaker 01

  Okay.

• 45:30Caleb Hammer?

  On your resume. So.

• 45:31Speaker 01

  Good point. I gotta I gotta say.

• 45:34Caleb Hammer?

  Well, yeah, I'm not a, I didn't, I don't have the show being an idiot. Actually, I'm an idiot on a lot of things, but this is the stuff that I'm, you know, I'm relatively good at this, okay? Um, and then work experience, it's all over the place. So what we're having here, what kind of remote jobs are you applying for?

• 45:50Speaker 01

  Um, administrative, uh, healthcare, veterinary care, pet insurance.

• 45:57Caleb Hammer?

  Okay, so a lot of it's pet and then, and then we have administrative. And then in here, I have the mixture of both. What I would instead have is a resume focused on administrative and a resume focused on animal. And I get that you have the experience on both fields, but having one, two, three, four, five, six, seven, eight, nine, 10, your last 10 experiences.

• 46:15Speaker 01

  All of those are all of my jobs.

• 46:17Caleb Hammer?

  Exactly. That's a bit much.

• 46:19Speaker 01

  Okay.

• 46:19Caleb Hammer?

  I would have the most critical focused on what you're applying for. If you have to, you know, move a number a little, like to make things work, you know, it's not, nothing in the world. Um, cause I mean, you're still not lying about your real experience, you know? So, you know, having resumes focused on what you're going for, if I'm hiring, if you're applying for an administrative job and, you know, 75% of this is I was working as a vet tech, I'm like, I'm probably gonna hire the person that the resume is focused on administrative tasks.

• 46:46Speaker 01

  Yeah.

• 46:50Caleb Hammer?

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• 47:34Caleb Hammer?

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• 48:16Caleb Hammer?

  So it's it's it's it's a this is two one size fits all resume.

• 48:21Speaker 01

  Hi, I didn't want to interrupt you again. Um, I, as far as my like management and and shift lead positions, those were more towards the beginning of my work life.

• 48:33Caleb Hammer?

  It's a but it's at the top administrative assistants is at the top. Usually that's the most recent.

• 48:37Speaker 01

  Supervisory and management is what is what I meant because I was.

• 48:41Caleb Hammer?

  Okay, well, then you typed it wrong.

• 48:43Speaker 01

  No.

• 48:44Caleb Hammer?

  Oh, so you put your most recent at the bottom?

• 48:46Speaker 01

  No, if you would have let me finish my sentence. Thank you so much. Oh, sorry about the table.

• 48:50Caleb Hammer?

  So much.

• 48:51Speaker 01

  Um, so my managerial and supervisory experience was more towards the beginning of my work history, which is why that's down at the bottom.

• 49:02Caleb Hammer?

  Okay.

• 49:02Speaker 01

  But if I take off those first two jobs, where do I put my supervisory?

• 49:06Caleb Hammer?

  That's why I said we maybe we tweak a number.

• 49:08Speaker 01

  Okay.

• 49:09Caleb Hammer?

  I'm not advocating for lying necessarily. It's just I don't want to be like on the record for that, but it's just like tweak.

• 49:16Speaker 01

  Yeah.

• 49:16Caleb Hammer?

  A little tweak, okay?

• 49:18Speaker 01

  Yeah.

• 49:18Caleb Hammer?

  You know, when I was close to two years in product management, I started looking for another job. I said I was two years. I was close.

• 49:25Speaker 01

  Yeah.

• 49:26Caleb Hammer?

  So tweak, you know? All that matters in the end is can you actually bring the skills and perform in the company? Yeah. So those are the things I would focus on. You know, I wouldn't try to make it an advocacy resume.

• 49:39Speaker 01

  Okay.

• 49:39Caleb Hammer?

  Because someone doesn't want someone coming in.

• 49:41Speaker 01

  Advocates for themselves?

• 49:42Caleb Hammer?

  Not advocate for themselves. Someone doesn't want someone coming in and trying to uh turn the organization on it upside down.

• 49:49Speaker 01

  That makes sense.

• 49:49Caleb Hammer?

  You know?

• 49:50Speaker 01

  Yeah.

• 49:50Caleb Hammer?

  It's like. That's what it is. You know, it's just terms of risk for hire. Again, it's expensive to hire someone.

• 49:56Speaker 01

  Yeah.

• 49:57Caleb Hammer?

  And then if we do hire you and you don't work out, it's expensive to replace you.

• 50:00Speaker 01

  Yeah. What did you think about the little quote at the top?

• 50:02Caleb Hammer?

  It was fine.

• 50:03Speaker 01

  Okay. Cause I think that that's a really, that's a big part of.

• 50:08Caleb Hammer?

  Well, reading that quote specifically, I don't have it uh here, but reading that with the activism part, I was like, it was something about how change is critical and I'm also like, okay, if we're really focused, I don't want you to come in this company and just, cause we're like Brent, the historic figure on this channel. He's someone that comes into job interviews and he's always like, here's what I'm gonna change about your company when I'm gonna do all this. And it's just like,

• 50:28Speaker 01

  Right.

• 50:30Caleb Hammer?

  No one hires those people. You should come in, you should learn the structure, you should learn. And then once you're able to speak adequately about everything, you can push for reasonable, good change. Change is not a bad thing.

• 50:41Speaker 01

  Right.

• 50:42Caleb Hammer?

  But no one wants someone coming in and just they're like, wait, I know everything about this company. I'm ready to change everything. That's not what anyone wants.

• 50:50Speaker 01

  No.

• 50:51Caleb Hammer?

  So it annoys everyone.

• 50:52Speaker 01

  Right. And I think the quote says like, like um, success is not the goal, formative change is or something like that. Um, and that's where true success is. Oh, it's survival is not the goal. That's what it says.

• 51:04Caleb Hammer?

  Okay, that's better.

• 51:05Speaker 01

  Yeah, survival is not the goal.

• 51:06Caleb Hammer?

  People want to see success when they're hiring someone.

• 51:08Speaker 01

  Change is success. So.

• 51:11Caleb Hammer?

  What's the interest rate on this car? Cause it's blurred.

• 51:13Speaker 01

  It's blurred.

• 51:14Caleb Hammer?

  It's a, it, no, it's blurry. It's hard for me to see.

• 51:16Speaker 01

  Uh, five point one nine?

• 51:19Caleb Hammer?

  Not the worst.

• 51:21Speaker 01

  Yeah.

• 51:21Caleb Hammer?

  Not the best. It's in that like gray area of interest rates on a depreciating asset. Okay.

• 51:26Speaker 01

  I needed a car that would last me for a very long time.

• 51:28Caleb Hammer?

  How many miles are on it? How's the condition?

• 51:30Speaker 01

  Um, it is three hundred sixty something, or not three hundred, thirty six something thousand miles right now. Um, and it actually just got a brand new engine.

• 51:40Caleb Hammer?

  How much was that?

• 51:41Speaker 01

  A thousand.

• 51:42Caleb Hammer?

  Oh.

• 51:42Speaker 01

  Yes. Not horrible, cause warranty.

• 51:44Caleb Hammer?

  Oh, okay. Good.

• 51:45Speaker 01

  Yes. Yes.

• 51:47Caleb Hammer?

  Okay. What am I looking at here? Cause you sent a lot of screenshots, cause you didn't really know how to pull statements.

• 51:51Speaker 01

  That's actually, okay. Yes. This is my um.

• 51:57Speaker 01

  Lifetime camping membership. So that's where I get my water, electricity, place to park.

• 52:06Caleb Hammer?

  So you do have a place you go to the most?

• 52:07Speaker 01

  Yeah, if you listen to me earlier.

• 52:10Caleb Hammer?

  Oh, I don't know. Okay.

• 52:11Speaker 01

  Yeah, no excuse on your end, huh?

• 52:13Caleb Hammer?

  Sure. You said a couple of things incorrectly that I, but that's fine. So I just want to. The record was hell on that one.

• 52:23Speaker 01

  So this is the loan. Once this loan is paid off, then I only have to pay the yearly.

• 52:29Caleb Hammer?

  It's a loan to the, to the lot?

• 52:32Speaker 01

  No, it's a loan to the membership.

• 52:35Caleb Hammer?

  To the, you have a loan on the membership?

• 52:37Speaker 01

  If you wait and listen.

• 52:40Caleb Hammer?

  I'm reacting, girl. People can react. I wasn't even asking a question.

• 52:44Speaker 01

  Not just reacting.

• 52:45Caleb Hammer?

  I assumed that it was a loan after you said it was a loan.

• 52:48Speaker 01

  To the lot, to the whatever, but it's not. It's a lifetime membership, like I said. So once that membership is paid off, I only have to pay the.

• 53:02Caleb Hammer?

  Say it.

• 53:02Speaker 01

  I only have to pay the annual dues, which is like $400 a year.

• 53:06Caleb Hammer?

  This is a camping timeshare.

• 53:09Speaker 01

  Yes.

• 53:09Caleb Hammer?

  This is a camping timeshare.

• 53:12Speaker 01

  And you know what it does? It gives me free electricity, free water, a place to live.

• 53:16Caleb Hammer?

  How is it to get out of it when you want to? Do you have to sell your membership?

• 53:20Speaker 01

  You do. Yes.

• 53:23Caleb Hammer?

  Me.

• 53:24Speaker 01

  But I'm not, but I'm not.

• 53:26Caleb Hammer?

  If it was a membership you could cancel, I would be okay with this. I would be okay with this. No, one second. I'm just saying my opinion. You know, the guy who runs the show?

• 53:35Speaker 01

  Mm hmm.

• 53:35Caleb Hammer?

  Yeah, I do that sometimes.

• 53:36Speaker 01

  And you're also the one asking me questions and I'm trying to answer.

• 53:39Caleb Hammer?

  You're so combative. Oh, it's interesting putting two combative people together.

• 53:44Speaker 01

  Mm hmm.

• 53:45Caleb Hammer?

  So.

• 53:46Speaker 01

  I just don't like people talking over me.

• 53:48Caleb Hammer?

  We wouldn't, uh, it's okay if you, if someone talks over you, you're louder than them anyway, half the time. So everyone will hear you regardless. But we wouldn't last. We're last. One, I'm monogamous, so.

• 54:02Speaker 01

  I wasn't looking for that, so I don't know why I had to bring that up, but.

• 54:08Caleb Hammer?

  I don't remember.

• 54:09Speaker 01

  We were talking about the membership.

• 54:10Caleb Hammer?

  Oh, yeah, the timeshare.

• 54:11Speaker 01

  Mm hmm.

• 54:12Caleb Hammer?

  Yeah, the really stupid decision of getting this. Okay. Yeah.

• 54:15Speaker 01

  What makes us having a secure place?

• 54:17Caleb Hammer?

  Cause you have to sell to get it out. It's less, it's less about the secure place.

• 54:19Speaker 01

  But why do I want to get it out? Cause I don't want a permanent residence.

• 54:22Caleb Hammer?

  You dude, you are twenty nine. You do not know what the rest of your life looks like.

• 54:25Speaker 01

  Mm hmm. I know. Nobody does.

• 54:28Caleb Hammer?

  Yes, but you've bound yourself to something that you would have to sell. Oh, a product.

• 54:33Speaker 01

  How is it a product?

• 54:34Caleb Hammer?

  Just like a timeshare, these ongoing dues forever.

• 54:38Speaker 01

  Until you're sixty five.

• 54:39Caleb Hammer?

  That you have to, oh, great.

• 54:40Speaker 01

  Yeah.

• 54:40Caleb Hammer?

  Well, that's close. Um, this is that you have to.

• 54:44Speaker 01

  Four hundred dollars a year for free electricity, free rent and a place to park is a horrible issue?

• 54:49Caleb Hammer?

  In your situation, but it is still. It's less about that. One four hundred.

• 54:52Speaker 01

  It's a bad decision.

• 54:53Caleb Hammer?

  Hold on. Four hundred dollars is actually a lot of money to you. So don't try to act like an entitled little brat. Okay?

• 54:59Caleb Hammer?

  All right?

• 54:59Speaker 01

  Mm hmm.

• 55:00Caleb Hammer?

  You can't barely pay a five hundred dollar bill. I don't know how you're going to next month. So I don't want to hear about that. But also your total loan payoff is eight thousand one hundred thirty five. So it's not just about that ongoing bill forever. So fuck off. It's obviously not the case. Interest, interest is accruing like crazy. Oh, good. There's also fees. So we're getting fees and we're getting interest. What's the interest on this then?

• 55:24Speaker 01

  Hmm.

• 55:26Caleb Hammer?

  How do you not know? You s- you signed up for s-

• 55:29Speaker 01

  I signed up for it over a year ago.

• 55:30Caleb Hammer?

  So you thought this is good, but you don't even know if it's good.

• 55:34Speaker 01

  I know that I, I know that I needed a place to live. I know that I need electricity and I know that I need water. So I have made work.

• 55:43Caleb Hammer?

  It's less about that. I'm talking about the product itself.

• 55:46Speaker 01

  Right? Which doesn't make a difference if I don't have a place to live.

• 55:50Caleb Hammer?

  Yeah, we can figure out so many solutions. You're acting like this is the only one that exists in the world.

• 55:54Speaker 01

  I couldn't rent.

• 55:56Caleb Hammer?

  You're so inflexible.

• 55:58Speaker 01

  I actually am hypermobile, but, uh,

• 56:01Caleb Hammer?

  Ha, ha, ha.

• 56:03Speaker 01

  So I, uh, I couldn't rent when I lost, when I almost lost my house. Couldn't rent.

• 56:10Speaker 01

  Couldn't rent a room because I have pets. Couldn't um.

• 56:16Caleb Hammer?

  How many pets you have?

• 56:17Speaker 01

  I have four and I'm fostering a puppy.

• 56:21Caleb Hammer?

  In a trailer?

• 56:22Speaker 01

  It currently, well, that we have all lived in the trailer, yes. I'm currently um crashing on my mom's couch because my house was in the shop for a week.

• 56:33Caleb Hammer?

  Your trailer, okay.

• 56:34Speaker 01

  Uh huh, and I got it back and I'm just working on getting my stuff back, moved into it.

• 56:39Caleb Hammer?

  Is your car in good condition?

• 56:41Speaker 01

  Uh, like mechanically or like?

• 56:43Caleb Hammer?

  Yeah, the car and the it's just looks and everything as well.

• 56:47Speaker 01

  It's got some dents and scratches, I mean, I.

• 56:49Caleb Hammer?

  You might have an actual equity position in the car in terms of positive equity. In good condition, it's valued at about twenty eight thousand, so maybe this is like twenty five thousand.

• 56:57Speaker 01

  Uh huh.

• 56:57Caleb Hammer?

  Um, or closer to your value at twenty six K, who knows? So you actually might, one of a kind, ah, in your situation, selling it's so weird because like you kind of need it. You need something more reliable, you can't afford this minimum payment. You don't know the interest on here.

• 57:13Speaker 01

  I, I thought it would show on the payoff thing, but it didn't.

• 57:17Caleb Hammer?

  Well, it'll show on the payoff, no, if you sent us a statement like we requested, it would have.

• 57:21Speaker 01

  Well, I don't get sent statements.

• 57:24Caleb Hammer?

  You get statements for anything that's a bill, anything that's.

• 57:27Speaker 01

  I don't get it in my email and unless it goes to a.

• 57:30Caleb Hammer?

  You go to the website and you download statements in a statement section.

• 57:33Speaker 01

  This is the website.

• 57:33Caleb Hammer?

  Or you call them, or you call them, or you email them and they will send you a statement. Everything that has a bill has a statement, good. I'm gonna calculate the interest, how about that? So I can do that for you as such a good friend.

• 57:49Speaker 01

  Thanks so much, Caleb.

• 57:52Caleb Hammer?

  It's twenty two percent interest.

• 57:55Speaker 01

  That sounds bad.

• 57:56Caleb Hammer?

  It's very bad, it's beyond bad.

• 57:59Speaker 01

  A place to live.

• 58:00Caleb Hammer?

  Listen, you don't get it, I mean, yes, you need, uh, you are acting like it is the only solution. I wasn't there, we could have brainstormed, we're gonna brainstorm before you're at now, but you act like I can't have a boss, it's the only place I could live, you're inflexible, a twenty three percent interest. For a cup of water and electricity is not a deal. An ongoing membership that you have to sell to get out of until you're sixty five is not considered a good deal. It's a membership for not even a room, you know, it's like different, like at least timeshare you have a room.

• 58:37Speaker 01

  So, but I have a room. I bring my whole house there.

• 58:41Caleb Hammer?

  Yes, you bring it. You don't usually have to do that for timeshares. You think when people go to a timeshare, they bring a room from their house and take it there?

• 58:48Speaker 01

  It is only two, I know you're gonna say, only you can't afford. It's only two hundred fifty dollars a month to have all the electricity I need. All the water I need. You're not really being realistic right now. Because where?

• 59:04Caleb Hammer?

  About that.

• 59:05Speaker 01

  Oh, it is? What, what is it more about?

• 59:07Caleb Hammer?

  You're acting like it's the only option.

• 59:09Speaker 01

  It was.

• 59:10Caleb Hammer?

  That's not. You're in, you're saying you can't have a boss. I don't believe you. You're not a good narrator. You're not a reliable narrator for what was like in that situation. You're really not.

• 59:20Speaker 01

  Because I can't disclose details.

• 59:24Caleb Hammer?

  Well, then how the am I supposed to have what you consider an informed opinion if I don't have all the information? Don't be stupid.

• 59:30Speaker 01

  What do you mean?

• 59:31Caleb Hammer?

  No shit then.

• 59:32Speaker 01

  The job thing wasn't what I was saying in uninformed decision about. It was the or uninformed opinion. It was the trailer and the camping membership.

• 59:42Caleb Hammer?

  Almost nothing with a twenty two, twenty three percent interest rate is considered a good deal. Listen, if this was maybe at a five percent, we could have a conversation about that. If it was a membership that you didn't have to sell, we could have a conversation about that. You have to sell the membership before sixty five. And it's a twenty three percent interest. It's basically a credit card.

• 59:59Speaker 01

  Uh huh.

• 1:00:00Caleb Hammer?

  Okay. If you can't figure that out.

• 1:00:03Speaker 01

  My rent is two hundred fifty dollars a month.

• 1:00:05Caleb Hammer?

  I get that.

• 1:00:06Speaker 01

  Is like fifteen.

• 1:00:07Caleb Hammer?

  First of all, it's not your rent because you're not getting an actual place. You're just getting access to utilities.

• 1:00:11Speaker 01

  My god.

• 1:00:12Caleb Hammer?

  Those are utilities. You're paying.

• 1:00:14Speaker 01

  Place to live? Not rent.

• 1:00:18Caleb Hammer?

  It's a place for you to put your trailer.

• 1:00:20Speaker 01

  Uh huh. And have water and electricity.

• 1:00:23Caleb Hammer?

  Yeah, this is a two hundred fifty dollar a month utility payment.

• 1:00:27Speaker 01

  And a place to live that's secure.

• 1:00:31Speaker 01

  I can't just

• 1:00:32Caleb Hammer?

  I'm gonna move on.

• 1:00:33Speaker 01

  Like I can and I'm gonna have to live in an alley for a while.

• 1:00:37Caleb Hammer?

  No.

• 1:00:37Speaker 01

  But that doesn't mean it's safe.

• 1:00:39Caleb Hammer?

  Oh, gosh.

• 1:00:40Speaker 01

  To be able to be at a campground three weeks at a time.

• 1:00:43Caleb Hammer?

  I get it. I heard it. I heard it. I know. I know what you're saying.

• 1:00:46Speaker 01

  But you don't agree.

• 1:00:47Caleb Hammer?

  It's not that I don't agree that it is. Listen. What I am saying is you're acting like it is the only choice and because of that it is considered a good deal. I wasn't there, but usually any, there has not been one time on this show. Not one time in recording four to five episodes a week for two and a half years that when someone comes and they act like this was the only thing I couldn't find an alternative. If we were there when that happened, what, four years ago, right? Four years ago?

• 1:01:16Speaker 01

  Uh, uh, January twenty twenty-three. So it took me

• 1:01:20Caleb Hammer?

  Okay, so last year, uh, almost two years ago.

• 1:01:22Speaker 01

  Yeah, so it took me a long year of planning the trailer that I could tow with my car and

• 1:01:26Caleb Hammer?

  We could brainstorm, we could look at resources.

• 1:01:28Speaker 01

  Uh huh, which I did.

• 1:01:29Caleb Hammer?

  Uh, and you did. Based on you, I've had other people do things and they think, again, something is the only way. Sometimes when you talk outside of your own little bubble, you might get some more information. But it doesn't matter. It's where we are.

• 1:01:42Speaker 01

  You say that I only

• 1:01:44Caleb Hammer?

  I don't think

• 1:01:44Speaker 01

  You make a lot of assumptions.

• 1:01:47Caleb Hammer?

  Just based on experience.

• 1:01:48Speaker 01

  Okay, that doesn't mean they're right.

• 1:01:50Caleb Hammer?

  No, it doesn't, but at least I would have tried.

• 1:01:52Speaker 01

  And you think I did it?

• 1:01:55Speaker 01

  Cause that's what that says.

• 1:01:56Caleb Hammer?

  It's not based on you trying. I said, maybe I could have come up with something. Maybe my team could have come up with something.

• 1:02:02Speaker 01

  But that's the past.

• 1:02:04Caleb Hammer?

  It's what I just tried to say. Do you want to let me move on?

• 1:02:09Caleb Hammer?

  Two weeks of marriage, huh?

• 1:02:11Speaker 01

  Mm hmm.

• 1:02:13Caleb Hammer?

  That makes sense.

• 1:02:17Speaker 01

  That wasn't very nice.

• 1:02:19Caleb Hammer?

  Four hundred and eighty dollar minimum payment on that. So now we're at a thousand dollar. Are you okay? Oh, I'm sorry. I was

• 1:02:26Speaker 01

  That was not very nice.

• 1:02:27Caleb Hammer?

  No, it wasn't. I was just trying to make a jab. I'm sorry. Like, I did not mean for that to be insulting. Oh, okay, take a moment. I'm sorry.

• 1:02:35Caleb Hammer?

  Well, let's take a moment. Yeah.

• 1:02:39Speaker 01

  I'm sorry.

• 1:02:40Caleb Hammer?

  Oh, no, it's okay. I was trying to play to the cheekiness for the show. Are you okay?

• 1:02:44Speaker 01

  I need air.

• 1:02:45Caleb Hammer?

  Take a moment? You want to go outside? It's okay. Take your time. Take your time. It is no worries at all.

• 1:02:56Speaker 01

  I'm probably extra red now.

• 1:02:57Caleb Hammer?

  That's okay. You sure you're good?

• 1:03:00Speaker 01

  My threshold was has been lowered a little bit.

• 1:03:03Caleb Hammer?

  I I don't know what that means. I'm sorry.

• 1:03:05Speaker 01

  Um, post post panic attacks, it's a little harder um to not have physical reactions like this.

• 1:03:17Caleb Hammer?

  I I I have a panic disorder. I I get it. I understand it. Well, I mean, this is um um. Gosh, you know, that's why we go through the whole onboarding situation and specifically ask consent. If we're allowed to make, you know, rude jokes.

• 1:03:33Speaker 01

  No, totally. And I am not upset at you.

• 1:03:36Caleb Hammer?

  Actually feel hurt. That was we would never want that.

• 1:03:39Speaker 01

  Thank you.

• 1:03:40Caleb Hammer?

  Ever, ever, ever, you know, I I love cheeky little comments and that's all that was intended to be.

• 1:03:46Speaker 01

  I know.

• 1:03:46Caleb Hammer?

  Not a harm against you, okay?

• 1:03:48Speaker 01

  I know. I appreciate that clarification.

• 1:03:50Caleb Hammer?

  I very much want us to go through this and I very much want to be able to create a plan. I want to connect you with our resources. I wanna um we'll we'll probably be able to get you connected with a financial advisor like a there's a lot of things I want to do, okay? Um, so.

• 1:04:06Speaker 01

  And some lady owes me ten grand. So like court ruling case. So some legal help would be cool, too.

• 1:04:13Caleb Hammer?

  Who? Why did she owe you ten grand?

• 1:04:15Speaker 01

  Oh, gosh. So it's my high school boyfriend's mom. And she needed life-saving surgery. And then I lent her the money for it and then it turned out it was a liposuction. So I took her to court because she never paid me back like our contract said.

• 1:04:32Caleb Hammer?

  There was a contract?

• 1:04:33Speaker 01

  Hmm, on the back of a receipt.

• 1:04:34Caleb Hammer?

  I'm glad you did a contract. Then the judge recognized it?

• 1:04:37Speaker 01

  Yep.

• 1:04:38Caleb Hammer?

  Okay.

• 1:04:39Speaker 01

  Yep.

• 1:04:39Caleb Hammer?

  There you go. Uh, when was the ruling?

• 1:04:42Speaker 01

  Ten years ago.

• 1:04:43Caleb Hammer?

  Okay.

• 1:04:46Speaker 01

  The past is life has been rough. And it's not unruff now, but I'm a little more emotionally mentally prepared to handle it.

• 1:04:58Caleb Hammer?

  Ten years, okay. Okay.

• 1:05:03Caleb Hammer?

  Are you sure you want to continue with the conversation? I don't want you to get, because I know these conversations are hard and I know, you know, my personality when I get very invested and everything is definitely over the top of that's, that's why we try to prepare everyone, but

• 1:05:16Speaker 01

  I know, that was a, that was an unexpected response on my end.

• 1:05:21Caleb Hammer?

  No, and it's totally okay. I just want to make sure, do you want to finish this? Like we, I wouldn't want to

• 1:05:26Speaker 01

  Yeah, I do, and I'm, I'm okay with crying. Um, I know that it'll a little bit of the, of your, you know, whatever you got going on here.

• 1:05:35Caleb Hammer?

  I don't think so. No, I just don't want to, I just don't want you to be in a position where you don't, you no longer feel comfortable to be on the show.

• 1:05:44Speaker 01

  No, I'm, I'm comfortable. I am a pretty open book. I do cry.

• 1:05:48Caleb Hammer?

  It's okay. We had tears on the show.

• 1:05:51Speaker 01

  Yeah, um, actually in VetMed, there's a medical term epiphora and it means excess tearing. That's like when white dogs get that gross stuff and all my coworkers always tease me that I have epiphora.

• 1:06:04Caleb Hammer?

  Alright, so let's, let's go on.

• 1:06:06Speaker 01

  Let's get it, let's get it.

• 1:06:08Caleb Hammer?

  I don't know what to call that last thing. I'm going to call that.

• 1:06:13Speaker 01

  It's Thousand Trails, so I just call it TT.

• 1:06:16Caleb Hammer?

  I call it Utilities Time Chair.

• 1:06:19Speaker 01

  Okay.

• 1:06:22Caleb Hammer?

  Okay. Uh, what is, so again, this is another thing where we didn't get statements. It looks kind of maybe like an affirm.

• 1:06:29Speaker 01

  It is a firm. So it's a firm. Um, they are all Amazon because I have an Amazon addiction. I know.

• 1:06:38Caleb Hammer?

  What's your, so, what, oh, what's your?

• 1:06:42Caleb Hammer?

  Are these paying fours? What is it? How, how long do you have these firms financed? Because there's so many options now. Do you know?

• 1:06:49Speaker 01

  No.

• 1:06:50Caleb Hammer?

  Well, I mean, it looks like you've barely made any progress on them.

• 1:06:53Speaker 01

  I mean, I'm, I'm

• 1:06:54Caleb Hammer?

  What are you Amazoning? Can you show me your Amazon?

• 1:06:57Speaker 01

  I sure can.

• 1:06:59Caleb Hammer?

  Okay, seven hundred twenty seven dollars and sixty cents.

• 1:07:03Speaker 01

  One thing I do have to say on my Amazon is, um, I

• 1:07:09Speaker 01

  Try to refund issuance failed. Sorry. Um, I try to find um, thing, not only do I do a lot of research before I purchase an item as far as which is the best on Amazon. Okay, I know that doesn't make a whole lot of difference, but I try really hard not to make like frivolous purchases like, you know, perfume or makeup. I don't wear makeup. I don't

• 1:07:35Caleb Hammer?

  Can I see so I can determine that?

• 1:07:38Speaker 01

  Um, and so I try to just buy stuff that makes my life easier considering my um, physical disability and like just just like stuff like this and stuff like my fidget ring, like those are good for for my mental health and my nervous system. So, but let me make sure there's nothing inappropriate.

• 1:08:03Caleb Hammer?

  Well, it won't be on screen anyway. What are you getting Amazon?

• 1:08:07Speaker 01

  No, Bella.

• 1:08:13Caleb Hammer?

  Lindsay left. She knew that.

• 1:08:14Speaker 01

  Yeah.

• 1:08:16Caleb Hammer?

  And that was a little, I think, above me.

• 1:08:18Speaker 01

  I got you, girl.

• 1:08:20Caleb Hammer?

  Uh, oh, we got the chewy things. We got a little drive. We got, we don't need a wireless charger. Like, that's not a hundred.

• 1:08:25Speaker 01

  I know. It was on sixty percent off.

• 1:08:28Caleb Hammer?

  Sixty percent off, but we're financing it in the minimum.

• 1:08:31Speaker 01

  I didn't finance that one.

• 1:08:32Caleb Hammer?

  The minimum monthly payments, either way, if you didn't finance it, you could use that money to pay towards the stuff you already have.

• 1:08:37Speaker 01

  Right.

• 1:08:37Caleb Hammer?

  We're at a hundred twenty seven dollars a month. This is a firm seven hundred and twenty seven dollars balance.

• 1:08:41Speaker 01

  Yeah.

• 1:08:42Caleb Hammer?

  What are the interest? Do you know? Because sometimes it's not interest. Sometimes it is depending on the plans you get. And I wouldn't be surprised if they are interest.

• 1:08:48Speaker 01

  Can you find that on the app?

• 1:08:49Caleb Hammer?

  Uh, probably. Yeah. Okay, well, let's. You ever feel like money just disappears? Even when you're sticking to a budget, it's frustrating, especially when you're only buying the essentials. But what if you could actually get some of that cash back? That's where today's sponsor, Rakuten, comes in, helping you earn when spending on things you already need. So here's how it works. Rakuten has partnered with thousands of stores from big names like Target and Walmart to specialty shops to offer cash back, coupons and promo codes. When you shop through their site or free browser extension, just head to Rakuten, click on the story you need and shop like normal. Rakuten tracks your purchase and sends cash back straight to your account. That's it. No catch, no complicated steps, just cash back.

• 1:09:34Caleb Hammer?

  And with big shopping events like Black Friday and Cyber Monday coming up, it's the perfect time to maximize those savings. If buying holiday gifts or household essentials are already in your budget, Rakuten lets you stick to it while getting a bit of that money back. So you're not just spending, you're also earning a little back, putting a little extra cash towards your financial goals. Plus, when you sign up using the link in the description below, Rakuten's throwing a $40 bonus after your first qualifying purchase. So when you're gonna spend anyways, check out Rakuten and see just how much you can save. Click that link below, claim your $40 bonus and try out Rakuten today. Let's keep looking. Super absorbent, oh.

• 1:10:12Speaker 01

  Well, cuz I'm fostering that puppy.

• 1:10:14Caleb Hammer?

  Oh.

• 1:10:15Speaker 01

  So they're puppy pads.

• 1:10:16Caleb Hammer?

  Right. I was thinking lady pads. Okay. We didn't, did we really need a new mouse mat filled with dogs? You know, with dogs on them? I really don't think so. Or maybe, what are the, there's some mat.

• 1:10:28Speaker 01

  Oh, that's a, that's a washable potty pads.

• 1:10:30Caleb Hammer?

  Okay, you didn't need a ring.

• 1:10:32Speaker 01

  It's the fidget ring for my.

• 1:10:34Caleb Hammer?

  Fidget with that. Fidget with something else. You have things all, fidget with the, the, the things keeping your overall together, you know? It's like.

• 1:10:40Speaker 01

  You got a good point.

• 1:10:41Caleb Hammer?

  What do we got? What is this? A recipe?

• 1:10:44Speaker 01

  No, those are the Mac stickers. To, to let me know. It was like two dollars.

• 1:10:53Caleb Hammer?

  But that's the thing. That's the thing. Am I gonna freak out? Am I gonna freak about only one $2 purchase? No, that is never the thing. When I mentioned the Spotify, it's never about the Spotify itself. It is the behavior, it is the endless stacking of them that can make real progress.

• 1:11:06Speaker 01

  Right. So.

• 1:11:08Caleb Hammer?

  Can't be lame, actually makes sense. Generator makes sense, solar lights. Okay, well now we're having multiple kind of lights.

• 1:11:15Speaker 01

  Well.

• 1:11:16Caleb Hammer?

  Security camera?

• 1:11:17Speaker 01

  So it's a fake security camera, so it just looks like a security camera, so way cheaper. Um, it's because I'm gonna have to live in the alley in downtown Sacramento, which is full of.

• 1:11:27Caleb Hammer?

  Why?

• 1:11:28Speaker 01

  Uh.

• 1:11:28Caleb Hammer?

  You have this thing that you can't get out of.

• 1:11:30Speaker 01

  Yes, I know. And you, I could drive somewhere five hours away and get a, get a reservation. But sometimes if you don't reserve soon enough.

• 1:11:40Caleb Hammer?

  Oh, so you have to reserve, so you, you're in a monthly fee that you cannot get out of at a twenty-three percent interest rate with a big loan on it? And you can't even get it unless you reserve it far in advance?

• 1:11:50Speaker 01

  Not always.

• 1:11:52Caleb Hammer?

  It is stacking up as a worse deal every time, is it not? Come on, it's stacking.

• 1:11:58Speaker 01

  Facts. Of the fact that those.

• 1:12:01Caleb Hammer?

  Destroy her with facts and logic.

• 1:12:03Speaker 01

  The, the, that those are all piling against it, but like I said, it made the most sense at.

• 1:12:12Caleb Hammer?

  I get it, I get it.

• 1:12:13Speaker 01

  Okay.

• 1:12:15Caleb Hammer?

  So I know you couldn't sleep there, but what about, this is, I'm not saying this is the perfect option, it just, you know, it pops in the head. A gym membership where we can shower, where we can charge our phone, where we can connect to wifi. Is that a place you can park forever? No. But that gets us some of that. It doesn't get us water for the trailer, I know, but I'm just thinking.

• 1:12:34Speaker 01

  Gas stations have that.

• 1:12:35Caleb Hammer?

  I'm thi-

• 1:12:36Speaker 01

  Water for the trailers. It's next to the air pump.

• 1:12:40Caleb Hammer?

  I didn't even know that.

• 1:12:41Speaker 01

  I didn't either until like, like.

• 1:12:43Caleb Hammer?

  So I feel like, you know, is that as good? No, but I feel like if we need to really go scrappy, we can.

• 1:12:51Speaker 01

  I, yes, I would have to put a lot of my things in storage, um, because when, which is fine, I do pay for.

• 1:12:58Caleb Hammer?

  You're crashing with someone, right? And you can't.

• 1:13:00Speaker 01

  Uh, my mom in a house that is being sold this week.

• 1:13:04Caleb Hammer?

  Okay, well, where's she going to?

• 1:13:05Speaker 01

  Um, she actually doesn't live there right now.

• 1:13:08Caleb Hammer?

  Oh, you get, you couldn't store it in a family member, so is what you're saying in your stuff?

• 1:13:12Speaker 01

  Right.

• 1:13:13Caleb Hammer?

  No, really?

• 1:13:14Speaker 01

  Correct. I don't have, I have my mom and my brother.

• 1:13:17Caleb Hammer?

  I've never used a firm cuz I'm

• 1:13:20Speaker 01

  We're financially responsible.

• 1:13:22Caleb Hammer?

  Well, no, the thing is, is I think financing things is okay, but you finance it responsibly.

• 1:13:27Speaker 01

  Right.

• 1:13:30Speaker 01

  Oh, that's what I was saying.

• 1:13:31Caleb Hammer?

  Oh, we're at thirty-five percent interest rate on all these.

• 1:13:35Speaker 01

  That's not good.

• 1:13:36Caleb Hammer?

  We can't be doing this anymore. You're paying thirty-five percent on your Amazon purchases.

• 1:13:40Speaker 01

  Yeah.

• 1:13:41Caleb Hammer?

  We don't do that. Come on, you're making your situation worse.

• 1:13:45Speaker 01

  I, I, I.

• 1:13:46Caleb Hammer?

  You are making it legitimately. You're making it harder for you. There's no point.

• 1:13:51Speaker 01

  No. More screenshots cuz you don't know how to do a statement.

• 1:13:57Caleb Hammer?

  Yes.

• 1:13:59Speaker 01

  So there were, before I knew how to get to the full Credit Karma report, I sent the screenshots of the Credit Karma report. Okay.

• 1:14:06Caleb Hammer?

  Whoa, whoa, whoa.

• 1:14:07Speaker 01

  Whoa, whoa, whoa. I've got lots of collections, bro.

• 1:14:10Caleb Hammer?

  Oh.

• 1:14:11Speaker 01

  When I say those, those.

• 1:14:13Caleb Hammer?

  You're never gonna qualify for a home again.

• 1:14:15Speaker 01

  Exactly why I said I can't rent and I can't buy.

• 1:14:19Caleb Hammer?

  You can find landlords that'll overlook some things. Big corporations, no.

• 1:14:25Caleb Hammer?

  Actually, I don't know the statistics on the majority of small time versus big time, but either way. But qualifying for a mortgage, absolutely. This would be, this would be kill.

• 1:14:35Speaker 01

  Own a home again. That was not great.

• 1:14:38Caleb Hammer?

  Collections, eight thousand five hundred ninety-three, and it was on a credit line of seven thousand five hundred. So why, we just didn't pay this? Why? It's been on here for four years. So four years ago, well, we know what happened four years ago. Is that when we stopped paying?

• 1:14:50Speaker 01

  That was when we made the purchases.

• 1:14:53Caleb Hammer?

  Uh huh.

• 1:14:55Caleb Hammer?

  Oh, that's when it opened. Sorry, four years ago.

• 1:14:59Caleb Hammer?

  I've only been in collections for a year.

• 1:15:00Speaker 01

  Uh huh. Oh, so that was.

• 1:15:02Caleb Hammer?

  It's gonna take forever to fall off.

• 1:15:03Speaker 01

  Is that Fortiva or Vivint or something?

• 1:15:05Caleb Hammer?

  Apple?

• 1:15:06Speaker 01

  Oh, that's my Apple card. Yeah. So I racked that up and then couldn't make the payments, so I didn't. I was in a rough spot.

• 1:15:17Caleb Hammer?

  Did you call them and ask if they would lower the interest rate?

• 1:15:20Speaker 01

  No. I didn't open my mail for a year and I wanna buy the, because brains are, I know. I'm, like I said, I'm in full-time therapy. I'm working on stuff. Okay.

• 1:15:35Caleb Hammer?

  Okay. Maybe I need to be educated on this part. What prevents us from opening the mailbox?

• 1:15:42Speaker 01

  Um.

• 1:15:43Caleb Hammer?

  Anxiety, sure, I bet of what's in there, but we can. You know, the anxiety gets worse if we don't confront what's in it.

• 1:15:49Speaker 01

  I know it does. Kind of like my big pile of shit I have to take care of that I haven't touched in a very long time.

• 1:15:56Caleb Hammer?

  I don't know what that is.

• 1:15:57Speaker 01

  It's literally a box full of just paperwork that I need to look at and do things. And it's so daunting and scary that I just.

• 1:16:07Caleb Hammer?

  But this was a mobile app. This wasn't open in mail, so.

• 1:16:09Speaker 01

  Right, right, right. So that was, um, the Apple card was just me not doing well and not calling them was a matter of

• 1:16:18Speaker 01

  not doing well. I should have. I mean, I.

• 1:16:21Caleb Hammer?

  Well, here's another collection, seven hundred and forty. It was synchrony.

• 1:16:26Speaker 01

  Synchrony.

• 1:16:27Caleb Hammer?

  Oh. Go for fuck's sake.

• 1:16:34Speaker 01

  That's my Costco card.

• 1:16:36Caleb Hammer?

  How'd you get to twenty two thousand nine hundred and ninety one dollars on Costco? What did you possibly do? How many times did you fill up your trailer with Costco gas?

• 1:16:42Speaker 01

  That was before I owned my trailer. Um, that was.

• 1:16:47Caleb Hammer?

  Income.

• 1:16:48Speaker 01

  Yeah, I'm pretty sure that had part of the concrete.

• 1:16:54Caleb Hammer?

  Oh, and the Costco card? You're putting the concrete. So it wasn't even spending money you had? You're putting on high interest rate credit cards?

• 1:17:02Speaker 01

  I think seven grand in cash.

• 1:17:03Caleb Hammer?

  When you were borrowing, did you have any intent to ever pay it back? Or were you just opening, spending, and you knew you weren't gonna touch it?

• 1:17:09Speaker 01

  That's a great question.

• 1:17:10Caleb Hammer?

  Do we have an answer to my great question?

• 1:17:12Speaker 01

  No. If I remembered.

• 1:17:16Caleb Hammer?

  It was only a couple of years ago.

• 1:17:18Speaker 01

  Uh huh.

• 1:17:20Speaker 01

  Manic episodes are weird.

• 1:17:24Speaker 01

  And now it's less of a that issue, more of a impulsivity issue.

• 1:17:31Caleb Hammer?

  Uh huh. What you can work with a therapist on.

• 1:17:33Speaker 01

  Yeah.

• 1:17:34Caleb Hammer?

  For coping. I'm just like. Wait, why did you come on the show?

• 1:17:38Speaker 01

  Um, because I don't know where to go from here.

• 1:17:41Caleb Hammer?

  But I think you're very determined. Like, you're immediately, I can't do anything because of all these mental health things. Everything is, I can't do it because of this mental health thing.

• 1:17:48Speaker 01

  It's not, I can't.

• 1:17:49Caleb Hammer?

  I can't do anything about that.

• 1:17:50Speaker 01

  It's so hard.

• 1:17:51Caleb Hammer?

  But I can't do anything about that.

• 1:17:52Speaker 01

  I know. No, no, no. Um. Like as far as the the looking for income?

• 1:17:57Caleb Hammer?

  I don't know your mental health. I don't know what's real. I don't know what you've been working on. I don't know the history. I can't do anything about that.

• 1:18:03Speaker 01

  Right.

• 1:18:03Caleb Hammer?

  So if nothing could be done because of the mental health, what can I do?

• 1:18:07Speaker 01

  But it it, what do you mean it? Nothing can be done?

• 1:18:10Caleb Hammer?

  It just feels like almost every time we talk about something that's can't, or this is because.

• 1:18:16Speaker 01

  Well, cause these were all, all the debt.

• 1:18:20Caleb Hammer?

  But even the stuff we talked about today, doing, it's just like, mental, okay.

• 1:18:25Speaker 01

  Like what? Can you give me a?

• 1:18:26Caleb Hammer?

  I don't, it's been a long conversation. I don't remember, but I've, I've, you know, I don't know. We've been sitting down for an hour twenty one so far.

• 1:18:33Speaker 01

  Holy.

• 1:18:34Caleb Hammer?

  Yes.

• 1:18:35Speaker 01

  My bad.

• 1:18:36Caleb Hammer?

  It's okay. It's okay. I'm gonna get you connected with a domain money financial advisor. I'm gonna get you their free session. We'll get you that. Actually, I think, so everyone out there who uses my link, they uh get, you get a free thirty minute session with them. Like a licensed financial advisor who will sit down, look for your stuff, highly recommend it. That's good. We're gonna get you connected with them. I'll get you connected with uh a free certificate through CourseCareer so we can help you find a job. Like you, maybe we can boost your customer service part of your resume with a customer service certification, so you can look at customer service management. So we'll gift that to you. You know, we have a lot of resources we can do. We can, we'll give you all three of our classes, which are bundled together for twenty five percent off without you guys.

• 1:19:18Caleb Hammer?

  You know, I gotta give you a little plug, but it's always, it it is actually worth it. We've had ten thousand people take our stuff and they've literally changed their lives and you'll get it for free. So I need you to go through all this, cause what I'm worried about here is can't, mental health, it's just like, yeah, that's what you gotta deal with.

• 1:19:33Speaker 01

  Right.

• 1:19:33Caleb Hammer?

  And the best that I might be able to do is connect you with resources.

• 1:19:36Speaker 01

  Right.

• 1:19:36Caleb Hammer?

  I don't know much what else, but okay, twenty two thousand nine hundred ninety one on Costco, concrete, sounds like.

• 1:19:43Speaker 01

  And I don't really know what collections.

• 1:19:46Caleb Hammer?

  Cube Center, is this not storage?

• 1:19:48Speaker 01

  They sued me.

• 1:19:49Caleb Hammer?

  Who? Well, yeah, that makes sense. They want their twenty two thousand.

• 1:19:52Speaker 01

  I know.

• 1:19:52Caleb Hammer?

  And that actually might be a number worth suing someone over, cause all of them can sue you.

• 1:19:56Speaker 01

  Yeah, I know.

• 1:19:57Caleb Hammer?

  Uh, but usually it's just not worth it. That number might be worth it.

• 1:20:00Speaker 01

  But I don't know how to. Do like I like I did that thirty minute consultation thing or whatever with a

• 1:20:07Caleb Hammer?

  With what?

• 1:20:08Speaker 01

  With a legal person.

• 1:20:09Caleb Hammer?

  Okay.

• 1:20:11Speaker 01

  This, this was April.

• 1:20:14Caleb Hammer?

  Okay.

• 1:20:16Caleb Hammer?

  Consequences actually could come a knocking.

• 1:20:19Speaker 01

  Yeah. And, uh. Yeah, they're supposed, there's apparently I have, I can request for.

• 1:20:28Caleb Hammer?

  This might be a bankruptcy situation.

• 1:20:30Speaker 01

  Credit scores are fake.

• 1:20:32Caleb Hammer?

  Okay, sure.

• 1:20:34Speaker 01

  Just like BMI, just like BMI credit scores.

• 1:20:37Caleb Hammer?

  Sure, whatever. I don't care.

• 1:20:43Speaker 01

  I don't think my credit score is horrible, but I know that my. Six thirty eight.

• 1:20:49Caleb Hammer?

  I almost don't believe that, but okay.

• 1:20:51Speaker 01

  I know. Once everything went to collections.

• 1:20:55Caleb Hammer?

  To save yourself from a lot of the stuff. Bankruptcy might be an option because that one is an actual legal thing that could.

• 1:21:01Speaker 01

  Yeah.

• 1:21:02Caleb Hammer?

  It really could.

• 1:21:03Speaker 01

  My only concern with bankruptcy is losing my car.

• 1:21:07Caleb Hammer?

  Uh, no, you should, I think you can, you'll be, I, well, you know, meet with a bankruptcy attorney. You can figure it out, but many times you can go through and you'll be okay.

• 1:21:15Speaker 01

  Yes, this is my storage unit and I split it with my mom.

• 1:21:18Caleb Hammer?

  The trailer, I'm curious about that. They might, they might take a look at it, but.

• 1:21:22Speaker 01

  Cause my trailer is only seventeen feet, so it's real small. So that was actually what I was gonna say at one point is.

• 1:21:28Caleb Hammer?

  And five animals are gonna live in there soon?

• 1:21:30Speaker 01

  The puppy is this big.

• 1:21:32Caleb Hammer?

  Okay.

• 1:21:32Speaker 01

  And then it's three cats and one dog.

• 1:21:34Caleb Hammer?

  Okay, the cats, it should be fine.

• 1:21:36Speaker 01

  Yeah.

• 1:21:36Caleb Hammer?

  They don't know.

• 1:21:37Speaker 01

  And we've all, we've all lived in the trailer before together and you know, my dog spends most of her time outside with me and that's being in the trailer.

• 1:21:47Caleb Hammer?

  Just because they've done it though, doesn't mean it's good. The dogs have, the, you know, when I drive downtown, there's, you know, decent amount of homeless people here. And they have dogs, their, their dogs have been doing it. Doesn't mean it's good, mean it's good.

• 1:21:58Speaker 01

  My dog goes to the river every day. She. Yeah, like when we're, when we're camping, she has a much better life than when we're stuck in the city.

• 1:22:06Caleb Hammer?

  But I also know, sure, I also know my main thing is it's a. Um, the food, food security for the dog, being able to afford pet insurance. If you can't afford pet insurance, then you probably can't afford an animal. And if you, I want to, we need to make sure they have good places to cool off if they're being active, uh, oftentimes indoors and a hot place like Sacramento's in, uh, pretty Sacramento is kinda hot, right?

• 1:22:29Speaker 01

  Toasty.

• 1:22:29Caleb Hammer?

  Exactly. So we need to make sure they have good condition AC. And then if it does get cold in the winter or night, we need to make sure they have heat.

• 1:22:36Speaker 01

  Have that as well.

• 1:22:37Caleb Hammer?

  Okay. Yes. And I know you have that part.

• 1:22:38Speaker 01

  Yes.

• 1:22:39Caleb Hammer?

  But this is like, a certain part, if we can't afford certain things, I'm like, okay, we probably can't afford pet insurance, which means an animal die, will die if they get something done to them. I was able to save my animal's life because I'm very blessed and I have pet insurance. It costs thirty thousand dollars. I didn't pay anywhere close to that.

• 1:22:53Speaker 01

  Right.

• 1:22:54Caleb Hammer?

  Cause she had to go into two surgeries and multiple things to save her life. But I did not have pet insurance and if I wasn't in such a blessed position, she would literally be dead because it's not like the habeas corpus type with animals, right?

• 1:23:05Speaker 01

  Right.

• 1:23:06Caleb Hammer?

  Like they will die.

• 1:23:07Speaker 01

  Yes. And I am, I, I am a registered vet tech.

• 1:23:10Caleb Hammer?

  Uh, so you can't do a surgery.

• 1:23:13Speaker 01

  However, I do have a lot of resources within the veterinary community.

• 1:23:18Caleb Hammer?

  And you're good with the preventative as well. You're better at that. You know what to look for. So, I mean, you might be able to get them to a situation before surgery is required.

• 1:23:25Speaker 01

  Right.

• 1:23:25Caleb Hammer?

  You know, so like, trust me, I get it. I get it. It's just like.

• 1:23:29Speaker 01

  And when I moved into the trailer, a lot of people told me, get rid of them. Not happening.

• 1:23:34Caleb Hammer?

  Well, cats, I don't really like, they, they, they don't know anything.

• 1:23:37Speaker 01

  Yeah.

• 1:23:38Caleb Hammer?

  They're just like, yeah, I mean, they exist. That's what they're. No, well, sure. Love for you feeding them.

• 1:23:45Speaker 01

  Yeah, some, some cats.

• 1:23:46Caleb Hammer?

  If they were a size of a dog, they would kill you, but.

• 1:23:50Caleb Hammer?

  That is.

• 1:23:51Speaker 01

  What is, yes, storage.

• 1:23:54Caleb Hammer?

  Okay, so you already pay for storage?

• 1:23:56Speaker 01

  Yeah.

• 1:23:57Caleb Hammer?

  So why was our big concern needing to get storage?

• 1:23:59Speaker 01

  No, it was putting the stuff in the storage unit I already own. Because when I move my trailer, like when I tow it, I have to put all of the things that go outside inside the trailer.

• 1:24:09Caleb Hammer?

  Is this finance or is this the bill?

• 1:24:10Speaker 01

  That's a bill, monthly bill.

• 1:24:11Caleb Hammer?

  Okay. So it's a monthly bill. Well, I'll, I'll put this aside. So we put it in your budget then.

• 1:24:15Speaker 01

  Cool.

• 1:24:15Caleb Hammer?

  Okay. So these are student loans?

• 1:24:17Speaker 01

  Yes.

• 1:24:18Caleb Hammer?

  Okay. A lot of them are.

• 1:24:21Caleb Hammer?

  Yeah, income base, which actually makes sense.

• 1:24:25Speaker 01

  Yeah.

• 1:24:26Caleb Hammer?

  A lot of people are on.

• 1:24:26Speaker 01

  Did the income base get approved? Can you tell that by that? I have no idea, because I applied.

• 1:24:30Caleb Hammer?

  So you might be in the application period and it might be on hold because a lot of it's been challenged in court. Also, who knows if the new Department of Education, we just had an election, who knows if the Department of Education will even allow those kind of repayment statuses?

• 1:24:40Speaker 01

  Oh, sick.

• 1:24:41Caleb Hammer?

  So we'll know. It's kind of up to the department head. A lot of it, they're given a lot of authority when that, they might not do any kind of forgiveness, any kind of things like that, so you...

• 1:24:50Speaker 01

  When I was paying my student loans, I was paying more than the minimum payment.

• 1:24:55Speaker 01

  Barely, but a little more.

• 1:24:57Caleb Hammer?

  Student loans, twelve thousand four hundred four.

• 1:24:59Speaker 01

  Okay. Not the worst, right? Not great.

• 1:25:03Caleb Hammer?

  Well, just to your point earlier, the reason I always push back on that, but is it the worst? No, technically, there is probably only one the worst in the entire world, and whoever's going through the worst right now is that person.

• 1:25:17Speaker 01

  Yeah.

• 1:25:18Caleb Hammer?

  You know? Probably a child in Yemen or something, I don't know.

• 1:25:21Speaker 01

  I'm just glad I don't have like...

• 1:25:22Caleb Hammer?

  But just because of that doesn't mean this is good.

• 1:25:24Speaker 01

  Right. I'm just glad I don't have like sixty-five grand in student debt, you know?

• 1:25:27Caleb Hammer?

  I get you.

• 1:25:28Speaker 01

  Yeah.

• 1:25:28Caleb Hammer?

  Twelve thousand four hundred four dollars. Oh, the interest rates are pretty mid, they're whatever.

• 1:25:34Speaker 01

  Got me a license I can't use anymore, yay.

• 1:25:38Caleb Hammer?

  Well, maybe Remo, I don't, who knows? Maybe you can, I don't know, man. It's hard.

• 1:25:45Caleb Hammer?

  It would be hard to hire you for that job, it would.

• 1:25:47Speaker 01

  Yeah.

• 1:25:47Caleb Hammer?

  If we have limited resources at a veterinary clinic, am I going to hire someone who can't bend over?

• 1:25:51Speaker 01

  Exactly.

• 1:25:52Caleb Hammer?

  Probably not.

• 1:25:53Speaker 01

  Yeah.

• 1:25:54Caleb Hammer?

  Okay, and then, okay, we have a wifi pass that actually makes sense for your spending in your checking account. You have a thousand three hundred in there. Amazon, we looked through Amazon, I would say it was about, there are some needs in there, and I'd say it's like kind of fifty-fifty, I don't, do you really need this or not?

• 1:26:07Speaker 01

  Right.

• 1:26:09Caleb Hammer?

  I don't know, three hundred to who, to where? Then went out three hundred for what?

• 1:26:14Speaker 01

  Oh, it.

• 1:26:15Caleb Hammer?

  You don't make.

• 1:26:16Speaker 01

  I know.

• 1:26:16Caleb Hammer?

  You barely make that much.

• 1:26:17Speaker 01

  Birthday and I got a tattoo.

• 1:26:20Caleb Hammer?

  Oh, for fuck's sake, I'm sorry. You don't get to have the whole birthday month, the whole.

• 1:26:24Speaker 01

  So here's what happened. Here's what happened. I actually booked. I booked the tattoo point in an impulsive flash decision and I booked it for a lot more tattoos. And then I finally was like, hey, girl, I'm so sorry. That was a mistake on my part. I still want to work with you because I put in this deposit and whatever, but I'm going to bring that down.

• 1:26:46Caleb Hammer?

  Ugh.

• 1:26:47Speaker 01

  Half the amount.

• 1:26:48Caleb Hammer?

  Should have been like, hey, girl, I'm gonna lose my car in a couple of months. Can I not get a tattoo?

• 1:26:53Speaker 01

  It's cute.

• 1:26:54Caleb Hammer?

  Take. Is it that one?

• 1:26:55Speaker 01

  No, no, it's on my leg. It's a possum and some cats.

• 1:26:59Caleb Hammer?

  Okay, and there's storage and there's Apple and go inside a gas station and getting something.

• 1:27:05Speaker 01

  What?

• 1:27:05Caleb Hammer?

  Probably. Five dollars from Winco, five forty-six. I doubt that's gas.

• 1:27:09Speaker 01

  Oh, no, Winco. I got a pack of granola bars and some rice.

• 1:27:16Caleb Hammer?

  Okay, okay, blue firefly.

• 1:27:19Speaker 01

  Don't know what the fuck that is.

• 1:27:21Caleb Hammer?

  Looks like a vending machine or something. Something on Facebook. Why are you paying ten dollars and sixty cents on Facebook?

• 1:27:28Speaker 01

  Those were Facebook ads.

• 1:27:29Caleb Hammer?

  What are you Facebook adding?

• 1:27:31Speaker 01

  So I do.

• 1:27:32Caleb Hammer?

  Please give me a place to live.

• 1:27:34Speaker 01

  So I do the admin stuff and I had a wild hair and I was like, I'm gonna make my admin page. And then I pay for ads and I don't know why.

• 1:27:46Caleb Hammer?

  Did you cancel it?

• 1:27:48Speaker 01

  I did.

• 1:27:48Caleb Hammer?

  Good.

• 1:27:49Speaker 01

  Yes, I did.

• 1:27:51Caleb Hammer?

  Okay, more truck thing. Camp away truck accessories.

• 1:27:54Speaker 01

  Right, because my roof rack broke.

• 1:27:55Caleb Hammer?

  The trail place, the trail place. Went to a restaurant there.

• 1:28:00Speaker 01

  What restaurant?

• 1:28:00Caleb Hammer?

  Uh, La Palisita Tequila.

• 1:28:04Speaker 01

  Oh, yes, I was about to faint, so I needed food. I got like a taco.

• 1:28:08Caleb Hammer?

  Well, now you have a granola bar, so no more of that. Length and premium makes sense for your situation. You're looking for a job. Amazon store rocking, orabloom.com, affirm, affirm, what?

• 1:28:20Speaker 01

  Aura Bloom is, um. It's a monthly surprise crystal subscription.

• 1:28:25Caleb Hammer?

  Okay, cancel it, cancel it. Go roll around in some rocks. You live outside, roll around in some rocks.

• 1:28:30Speaker 01

  Isn't it pretty though? It's pretty. I know.

• 1:28:33Caleb Hammer?

  It's fine. Don't, you can't. I mean, you're gonna lose your car. And you lose your car and you're done. You can't move the, or you can't move. Come on.

• 1:28:42Speaker 01

  My, my car is my.

• 1:28:43Caleb Hammer?

  This is not, this is not a joke anymore. You cannot have a crystal subscription. This is literally not an option for you. It really isn't. Same with the, an Nintendo subscription, we can't have that.

• 1:28:54Speaker 01

  It was, I bought Nintendogs for two dollars.

• 1:28:56Caleb Hammer?

  We can't do that. You have a real dog to take care of and you're not getting him pet insurance. So we're not getting a virtual dog, okay? Apple bill, a Rover pet service fee, and then.

• 1:29:05Speaker 01

  That was a background.

• 1:29:06Caleb Hammer?

  Yelp, fifty one dollars on Yelp?

• 1:29:08Speaker 01

  That is actually in, uh, claims right now. So they are, yeah.

• 1:29:13Caleb Hammer?

  But with checking it with debit cards, that is fucking hard. They don't really care. It's your money. Okay. No, after pay, we're after paying as well.

• 1:29:21Speaker 01

  That, yes, yes, yes. That is paid off now.

• 1:29:23Caleb Hammer?

  You have so many in-apple things. What are you getting? Subscriptions or what? What are you doing?

• 1:29:28Speaker 01

  I have iCloud and, um, Apple Pay or, uh, Apple Care. Those are, those should be, those should be the only two Apple charges.

• 1:29:36Caleb Hammer?

  Can you, uh, it's, Apple Care, it's such a good. Spend one month of Apple Care and just get an indestructible case.

• 1:29:45Speaker 01

  Like, that's, that Apple Care covers theft as well.

• 1:29:48Caleb Hammer?

  I know, I know. That's why I'm so, I'm so split on the fence. You literally just, subscriptions in your life is just impossible. But also getting a new phone is impossible. Is it a finance phone?

• 1:30:00Speaker 01

  Uh huh. I got eight hundred dollars off.

• 1:30:05Caleb Hammer?

  Amazon. Talk about McDonald's, Amazon, more firm.

• 1:30:08Speaker 01

  Taco Bell, McDonald's, I try to keep below like five dollars.

• 1:30:11Caleb Hammer?

  Yeah, you can't do that. You bragged about having a kitchen in your little thing. Cool. You're getting like the cheapest. That you can get that doesn't kill you.

• 1:30:19Speaker 01

  I ate a lot of carbs, rice, pasta, all the dry stuff.

• 1:30:23Caleb Hammer?

  I don't think we get to spoil ourselves if we're going to lose the only reason why we're still alive and be able to work. We don't get to get McDonald's, even if we're doing value menu. We really don't.

• 1:30:33Speaker 01

  I don't know how to eat healthy on a budget either.

• 1:30:36Caleb Hammer?

  Well, follow our meal plan, follow our meal plan.

• 1:30:38Speaker 01

  Oh, you have a meal plan?

• 1:30:39Caleb Hammer?

  We have a meal plan. This is again, more resources.

• 1:30:41Speaker 01

  Cool, cuz my doctor told me, told me you need to eat better, uh, not like.

• 1:30:46Caleb Hammer?

  Well, you're listening to your therapist about not ever being able to get a job again. Maybe you're listening to your doctor as well.

• 1:30:51Speaker 01

  Yes, I have an appointment with a nutritionist.

• 1:30:52Caleb Hammer?

  Hundred sixteen dollars and cash app account. Who are you sending cash app to? Cash app, cash app, cash app.

• 1:30:57Speaker 01

  I shuffle money around.

• 1:30:59Caleb Hammer?

  So you're sending a lot of money on a cash app, okay.

• 1:31:02Speaker 01

  But I don't spend money on the cash app. Besides recently when I purchased, because I had to cancel my card because of that Yelp charge. Um, I had to use my cash app debit card to buy Amazon. Which was the generator, which is necessary.

• 1:31:17Caleb Hammer?

  Venmo, uh, some out, some out.

• 1:31:22Caleb Hammer?

  Whoa, investments. Not what I, not would have expected this.

• 1:31:25Speaker 01

  Thank you, I think.

• 1:31:26Caleb Hammer?

  This is different.

• 1:31:29Caleb Hammer?

  Whoop, this based on your situation, it's just.

• 1:31:32Speaker 01

  Hey, man, if it comes out of my paycheck before the paycheck gets to me, it's not my money.

• 1:31:36Caleb Hammer?

  Don't do that anymore.

• 1:31:38Speaker 01

  Why?

• 1:31:39Caleb Hammer?

  You have twenty-three percent interest debt. You're getting ten percent a year on average if this is in the S and P five hundred. Doesn't make sense to be putting it towards this.

• 1:31:47Speaker 01

  Oh.

• 1:31:47Caleb Hammer?

  If you have twenty-three percent debt, which you have on that.

• 1:31:50Speaker 01

  Yeah, that's why I'm here.

• 1:31:53Caleb Hammer?

  Well, there you go. You learned.

• 1:31:54Speaker 01

  Yeah.

• 1:31:54Caleb Hammer?

  Eleven thousand hours in this one, four thousand hours in that one, eleven thousand hours in this one.

• 1:32:00Speaker 01

  That should be the same one as the first one.

• 1:32:02Caleb Hammer?

  Damn it.

• 1:32:03Speaker 01

  I know.

• 1:32:03Caleb Hammer?

  Something tells me you're gonna get pushed to a point though, very soon, and you're gonna be withdrawing from this.

• 1:32:08Speaker 01

  I don't know how to do that.

• 1:32:09Caleb Hammer?

  You'll figure it out. They always do.

• 1:32:12Speaker 01

  Okay.

• 1:32:13Caleb Hammer?

  I've had him on my show. You won't, but you're not gonna lose your car.

• 1:32:17Speaker 01

  I'm not, which I.

• 1:32:19Caleb Hammer?

  The tree that you live next to is not gonna give you money. And also you're gonna see that eleven thousand dollars.

• 1:32:26Speaker 01

  Uh huh, I. My family, the two family members that I have. Back me up when I need it, which I know is a problem. I owe my brother thirty five hundred. My mom, because my credit card or because my debit card was frozen, she had to pay for the flights to get here, so I owe her a little bit of money.

• 1:32:48Caleb Hammer?

  How much was that? We give her reimbursement?

• 1:32:50Speaker 01

  Yeah, yeah, yeah. So when you reimburse, I'm gonna reimburse her. Yeah.

• 1:32:53Caleb Hammer?

  So what do you owe to them?

• 1:32:55Speaker 01

  To my brother, thirty five hundred.

• 1:32:57Caleb Hammer?

  Yeah, we got that. Yeah, yeah.

• 1:32:58Speaker 01

  To my mom, she always tells me I don't have to pay her back besides these flights.

• 1:33:02Caleb Hammer?

  Oh, besides the flights?

• 1:33:03Speaker 01

  Yeah.

• 1:33:04Caleb Hammer?

  Just give me the flights then.

• 1:33:05Speaker 01

  Uh, six hundred.

• 1:33:06Caleb Hammer?

  Okay.

• 1:33:07Speaker 01

  Yeah. She has shuffled me about five grand this year.

• 1:33:10Caleb Hammer?

  If she doesn't want it back, you are gonna accept that.

• 1:33:12Speaker 01

  Okay.

• 1:33:13Caleb Hammer?

  It's a gift. Anything else, apparently?

• 1:33:16Speaker 01

  To owe to people?

• 1:33:18Caleb Hammer?

  Let's figure out what you need to survive.

• 1:33:21Caleb Hammer?

  You.

• 1:33:24Caleb Hammer?

  Cause even if we got.

• 1:33:25Speaker 01

  Organize that so bad.

• 1:33:27Caleb Hammer?

  Even if we put you in like, can, like. Not a hostel, uh, what's it called? Does somebody, there's some, ah, but then your pets, you won't give them. Cause the thing is, we can get you a bed in a place and that can act as a permanent residence, leading you to a better chance of getting a. You know, whatever else instead of a permanent residence, that can lead you to a better chance of getting an in-person job. Like, we could do that, but I feel like you're not willing to do that.

• 1:33:50Speaker 01

  Where am I gonna put my dog? For an in-person job. She has severe anxiety, separation anxiety, and she ate through my door.

• 1:34:01Speaker 01

  She's on medication.

• 1:34:03Caleb Hammer?

  I'm not, I'm not, I'm not. This is not hating you. This is not hating you. This is not against you. This is not. I feel like.

• 1:34:11Caleb Hammer?

  Madame Jake and Madame Lindsay.

• 1:34:15Caleb Hammer?

  I mean, I feel like this is nothing that can be done. It's just every time there's anything, it's like, but we can't because of this and there's nothing that can be done. Literally, you can't work. One second, one second, one second. Sorry. I'm just trying to think out loud. You can't work a job because of your dog separation anxiety. At that point, you are not going to survive in society and there is no budget I can make. There's no budget I can make in that situation because I'm going to make it on you depending to get a job. You can't.

• 1:34:42Speaker 01

  How have I had a job for a year?

• 1:34:44Caleb Hammer?

  You got a remote job, but again, it is

• 1:34:48Speaker 01

  Which is the third

• 1:34:48Caleb Hammer?

  One second. And we, and we improved your resume, but every single year from those three, uh, three remote jobs you've had, every month it is getting more competitive to get a remote job. More people are getting laid off in tech and everyone wants a remote job. You are competing with the top of the top of the top. And I'm not saying you can't compete, but it is becoming beyond more incredibly hard. In person is what gets you an income next week. Remote job could get you an income six months in a year, maybe. And we did the resume tweak, so I'm sorry. Again, I want you to, I'm going to connect you with all the resources, everything we have. It makes no sense for me to spend my time, the audience's time, their time, especially since we've been recording for an hour forty, which is okay.

• 1:35:31Caleb Hammer?

  But there's no point of spending that time to build this because you're not going to do that because every single time there is a reasonable solution. It's, I can't do it because of this thing. The dog thing, come on. At that point.

• 1:35:40Speaker 01

  That was a question. It's not, I can't do it. It was, what should I do?

• 1:35:45Caleb Hammer?

  You might have to have them with a family member for a year or something. You might have to have them work with a trainer. Once you are have a job and you can afford it. You might have to surrender the dog if you cannot survive as a human being, because you do have to survive. If you're not able to survive, they're not able to survive. And I know that's hard. I love my dogs more than anything and well, not more than anything. I guess I love my family more. If I have to rank, but it's pretty damn close. Okay?

• 1:36:12Speaker 01

  They are family.

• 1:36:12Caleb Hammer?

  Exactly. They are family. And I'm just thinking like mom, dad, like, love you guys too. I don't want to think

• 1:36:18Speaker 01

  Love you mom.

• 1:36:19Caleb Hammer?

  I don't want them to think they're less important if they're watching.

• 1:36:23Caleb Hammer?

  But I get, I get it. And I get the emotions you're feeling because of that. But there might just be after very hard life choices we are making so that you have a chance to survival. If you're not willing to make them, I don't know how you survive. I really don't. Okay.

• 1:36:37Speaker 01

  Yeah.

• 1:36:38Caleb Hammer?

  Coming to the post show, guys, I think we're gonna talk about even more stuff. The producers know everything about our life and they're gonna talk about things. It's gonna be, it's gonna be interesting. Uh, and make sure to get our investing, budgeting and debt class all together for 25% off. Your hammer financial score spending in a budget, I mean, you overspent your income easily, just even with minimum to payment. So zero out of 10 debt, if collections zero out of 10, emergency fund, zero out of 10. Your, your, your score's not gonna be a zero out of 10. If you thought, I mean, you said the score was unreasonable, but you must not have taken the thing.

• 1:37:10Speaker 01

  I did take the thing.

• 1:37:11Caleb Hammer?

  And it said zero?

• 1:37:12Speaker 01

  Uh huh.

• 1:37:12Caleb Hammer?

  You have retirement, so you should have at least got a, I'll take a look at that afterwards.

• 1:37:15Speaker 01

  Okay.

• 1:37:16Caleb Hammer?

  The algorithm there. But your retirement is a behind for your age, absolutely, but you are getting started and there is something in there and it's moving in right assets. Two out of 10. And then real estate now is zero out of 10, because I'm sorry that it's not considered real estate.

• 1:37:27Speaker 01

  I understand that.

• 1:37:28Caleb Hammer?

  It is not. That's gonna be a hammer financial score rounded up, maybe because I have more of a heart than an algorithm. Point five out of 10. Guys, stick around for the post show. I already have a feeling it's gonna be a good one. Do you pay your taxes?

• 1:37:43Caleb Hammer?

  Are you kidding me?

• 1:37:44Speaker 01

  It was not perfect.

• 1:37:45Caleb Hammer?

  Are you actually kidding me?

• 1:37:46Speaker 01

  Kept resubmitting it, kept getting hit back, so I just quit.

• 1:37:51Speaker 01

  And then I haven't done it since.

• 1:37:56Caleb Hammer?

  When is the last 25 taxes?

• 1:38:02Caleb Hammer?

  To watch the financial audit post show, click the join button below.