The Dumbest Guest In Financial Audit History

AGHHH *SHE'S FUNDING A FELON* --- this is beyond crazy, she can't take care of herself, but she is so desperate for an evil man that *she is sending him all of her MONEYYYY* Watch post show here: ➡️ https://bit.ly/chpostshow 💲 See what's new inside Dollarwise today → https://bit.ly/4ab6UM8 ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Start banking smarter today through Chime® and get up to a $350 bonus here: https://chime.com/caleb Thanks to Chime for sponsoring this video! ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 01:00 Job & Income(?) 06:10 Excuses Not Even 10 Minutes In 10:15 Nobody On The Show Is “Doing Fine” 12:38 Chat, Is She Cooking? 26:10 She’s A “Witch” Apparently30:42 Some Misogyny..? 36:30 I Too Travel To Tijuana When I Get Fatally Injured 40:52 SHE SAID THE THING 42:08 Christmas Is A LUXURY 50:06 More WITCH CRAFT 58:00 She’s Spending Like She GOT IT Like That 01:03:08 Beyond Spoiled 01:08:28 Its An Infinity Stone! (Expensive Water Filtration System & Solar) 01:11:55 She’s In Denial LOL 01:24:43 Budget! 01:28:42 Hammer Financial Score ============================= Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Well, I'm being told you needed additional $2,500 in spending money to go across.

• 1:07Speaker 03

  That is the goal, yes.

• 1:09Caleb Hammer?

  And how are you doing that?

• 1:10Speaker 03

  My dad's giving me 500.

• 1:11Caleb Hammer?

  Spoiled [BLEEP] enabled, disgusting.

• 1:13Speaker 03

  Very much so.

• 1:14Caleb Hammer?

  You'll never get anywhere in life.

• 1:15Speaker 03

  Called being blessed.

• 1:16Caleb Hammer?

  No, it's called getting enabled.

• 1:17Speaker 03

  You look like a giant man, baby, but I mean like...

• 1:20Caleb Hammer?

  You won't rent to women?

• 1:21Speaker 03

  Men are easier to deal with than women. I would love to do the spell so we can go ahead and assist me with clearing up this debt.

• 1:32Speaker 04

  Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to dollarwise.com to change the future.

• 1:47Speaker 03

  Hi, I'm Maya, I'm 29, and I'm from Riverside, California. And this is Financial Audit.

• 1:54Caleb Hammer?

  Thanks for coming over to the place where everyone from California is coming.

• 1:58Speaker 03

  Yes.

• 1:59Caleb Hammer?

  At least we get to send you back. What do you do there in Riverside, California?

• 2:04Speaker 03

  I'm an insurance agent.

• 2:05Caleb Hammer?

  Okay, selling.

• 2:06Speaker 03

  Selling.

• 2:07Caleb Hammer?

  Are you a good saleswoman?

• 2:09Speaker 03

  Well, that depends on the economy because people right now are not buying cars.

• 2:12Caleb Hammer?

  Are not buying what?

• 2:13Speaker 03

  They're not buying cars. People aren't buying cars.

• 2:15Caleb Hammer?

  Is that true?

• 2:16Speaker 03

  People are not buying cars right now.

• 2:17Caleb Hammer?

  Is that actively true?

• 2:18Speaker 03

  Well, it feels true because I'm not getting sales.

• 2:21Caleb Hammer?

  Well, okay, which would then lead to my next question. What do you make?

• 2:25Speaker 03

  I would say I'm not getting quotes, actually, because I'm getting sales, but I'm not getting as much quotes as I'm used to getting.

• 2:31Caleb Hammer?

  Okay.

• 2:31Speaker 03

  So that's why I say that people aren't buying cars.

• 2:34Caleb Hammer?

  What do you make in your job?

• 2:35Speaker 03

  Um, it varies because, you know, like.

• 2:37Caleb Hammer?

  I know it varies. It's commission, blah, blah, blah. We all know this. But what do people usually say when it varies? Like when I was a commissioned salesperson, I average it out.

• 2:46Speaker 03

  It's because.

• 2:47Caleb Hammer?

  Sorry, starting heated. Just what's average? What's average?

• 2:52Speaker 03

  Well, it depends because there is, um, there's, it's not just commission. You know, I have monthly bonuses and then I have an annual bonus.

• 3:01Caleb Hammer?

  Okay, so, okay, take away, what's the annual bonus?

• 3:04Speaker 03

  It also varies.

• 3:05Caleb Hammer?

  For sake, usually, lady. We can't have a conversation on financial audit if I do not have a number. Come on, you know that. You know that. Are you really going to come on in the first two minutes? Sorry, again, started heated. First episode back. I didn't sleep very well last night. From the new year. But how in the world do you think you can have a conversation on financial audit in the first couple of minutes? If you can't give me a number!

• 3:27Speaker 03

  I can give you a number, but I'm telling you that it will change. It will vary. I mean, like.

• 3:31Caleb Hammer?

  Average it out, please. Please. Take away the annual bonus, average out what a normal month looks like. Or a normal quarter, an average normal quarter.

• 3:41Speaker 03

  An average month, taking away the bonuses, would be.

• 3:46Caleb Hammer?

  The annual bonus, because the bonus.

• 3:49Speaker 03

  Well, the monthly bonus is also something I would need to take out because that also varies. That can.

• 3:52Caleb Hammer?

  No shit. Average. Are you stupid? Do you not know what averaging it out might be?

• 3:56Speaker 03

  I understand what you're asking.

• 3:57Caleb Hammer?

  Okay, does it really go from $5 a month to 500,000 hours a month? Is it that big of a gap?

• 4:02Speaker 03

  For the monthly bonus, it can be.

• 4:03Caleb Hammer?

  From $5 a month to 500,000, you've made five and 500,000.

• 4:07Speaker 03

  I've made 25 and I've made 1,000.

• 4:10Caleb Hammer?

  Uh huh.

• 4:10Speaker 03

  And bonuses for a monthly bonus.

• 4:12Caleb Hammer?

  Uh huh. And that 1,000, is that more common than the 25?

• 4:16Speaker 03

  No, but the 25 is also not common.

• 4:17Speaker 05

  Name something a woman might drive a man to do. Kill himself.

• 4:22Caleb Hammer?

  Okay, what's common?

• 4:23Speaker 03

  Two hundred. Two hundred dollars? Yeah, two hundred dollars, so.

• 4:28Caleb Hammer?

  I'm on it?

• 4:28Speaker 03

  I would say, no, for the monthly bonus, yeah. But, uh, average monthly, I guess we can put it at.

• 4:34Caleb Hammer?

  I guess we can put it at.

• 4:35Speaker 03

  Six thousand two hundred with the monthly bonus.

• 4:42Caleb Hammer?

  Okay, in this annual bonus, what did you get this year?

• 4:46Speaker 03

  Uh, I'm not sure yet. The numbers aren't closed yet.

• 4:48Caleb Hammer?

  Last year?

• 4:49Speaker 03

  Last year was six thousand.

• 4:52Caleb Hammer?

  The year before that.

• 4:53Speaker 03

  Uh, year before that was ten thousand.

• 4:57Caleb Hammer?

  The year before that.

• 4:58Speaker 03

  The year before that was.

• 5:05Speaker 03

  Six thousand again.

• 5:06Caleb Hammer?

  The year before that.

• 5:07Speaker 03

  Um, four thousand.

• 5:09Caleb Hammer?

  Okay, looks like it's about six thousand a year. Is what we can get.

• 5:15Speaker 03

  Okay.

• 5:15Caleb Hammer?

  Right? Does it sound about right?

• 5:18Speaker 03

  If that's the average number you want to use.

• 5:20Caleb Hammer?

  Uh, it sounds like you're shooting right around there.

• 5:23Speaker 03

  Okay, then fine, yeah, sure, that's the number then.

• 5:25Caleb Hammer?

  Well, this isn't my decision, that's just like, okay. Is that, okay, so six thousand two hundred a month, right? Is that what you said?

• 5:31Speaker 03

  Yeah.

• 5:32Caleb Hammer?

  Is that, I think we can average it out there? We don't even know, my goodness, five minutes in. Yeah, you're gonna be one of those people where you can't give me a number. Oy, oy, oy. How do you budget then? If you can't, if you can't even establish what you think an average is, to average it out on a monthly basis for how much you need and whatnot, how the f**k do you budget, if anything?

• 5:49Speaker 03

  I budget, uh, twice a month. Every time I get paid. I base it on.

• 5:53Caleb Hammer?

  You budget per paycheck? So you get a paycheck and then you budget? No, no, no, no, no, no, no, no, no. A budget is where you're, you have a baseline budget of minimum requirements. That doesn't change based on how much you get paid.

• 6:04Speaker 03

  That's how I do it. You asked me how I do it, but that's how I do it.

• 6:07Caleb Hammer?

  Okay, but how does that make sense then? Because your rent does not change based on how much you get paid.

• 6:11Speaker 03

  No.

• 6:11Caleb Hammer?

  So what the f**k are you talking about? How does that work?

• 6:14Speaker 03

  So for my paycheck that I get on the first of the month, I budget out the bills that I have to pay from the first to the fifteenth. And I budget out from that check to what I have to pay. And then on the sixteenth, when I get paid again, I budget out the bills that are due from the sixteenth to the thirty first, and I budget based off that.

• 6:30Caleb Hammer?

  Okay, so the year isn't fully closed out, but twenty twenty five sales are estimated to be slightly higher at a two percent year-over-year gain in auto sales. Fuck you. You might just be bad at your job, bah. And the year before that was twenty twenty three to twenty twenty four was an increase.

• 6:48Speaker 03

  Yeah.

• 6:48Caleb Hammer?

  Positive year-over-year growth from.

• 6:53Caleb Hammer?

  Uh, went from 15.1 million units to 16.

• 6:58Speaker 04

  Gotcha bitch.

• 7:01Caleb Hammer?

  So I think that is your job and your skills at it.

• 7:06Speaker 03

  Well, the problem that is going on right now is that rates went up. So it's harder to sell when rates go up.

• 7:15Caleb Hammer?

  Yeah, but everyone is required to get car insurance and people are getting the cars. It's not an option. So rates go up. What do you mean like rates go up? They still have to get insurance. This isn't health insurance, but it's an option.

• 7:25Speaker 03

  They'll just go buy a cheaper insurance company that barely covers them and anything like that.

• 7:30Caleb Hammer?

  Go work for that insurance company. If you're in a failing market.

• 7:33Speaker 03

  I would not go work for a crappy insurance company.

• 7:35Caleb Hammer?

  But if you're in a failing market that the, that the people are, that the market is not choosing, why would you stay there if you're gonna fail?

• 7:42Speaker 03

  Because I'm not failing.

• 7:43Caleb Hammer?

  What? You were just kind of explaining it to me. Okay. Did you make more money this year than last year or less?

• 7:50Speaker 03

  Less. It's the first year that I've ever made less. It's the first year I've ever made less.

• 7:54Caleb Hammer?

  Okay, sounds like a bad direction to go in.

• 7:57Speaker 03

  Well, for the last 10 years, it's been increasing, so.

• 7:59Caleb Hammer?

  Great, sounds like you hit your peak. But you're already explaining that your company is selling a product that the market is not demanding as much as the other product that another organization of which you could work at if you're actually skilled at sales. Why would you not go?

• 8:13Caleb Hammer?

  You, why? The business isn't entitled to have you. I'm confused why you feel like you have to stay there.

• 8:18Speaker 03

  I don't feel like I have to stay there. I choose to stay there.

• 8:21Caleb Hammer?

  But why if you're making less?

• 8:22Speaker 03

  Because it's, I love my boss. It's a great boss.

• 8:25Caleb Hammer?

  Who cares?

• 8:26Speaker 03

  I care.

• 8:27Caleb Hammer?

  So what'd you make this year? Not including the bonus, that'll probably be about six, maybe a little less.

• 8:31Speaker 03

  I don't know.

• 8:32Caleb Hammer?

  How do you not know if you are able to tell me you made less this year than last year?

• 8:37Speaker 03

  I know that I made less than this year than last year.

• 8:39Caleb Hammer?

  How? But you don't know the number. What's wrong with you?

• 8:42Speaker 03

  Because my commissions were less this year.

• 8:44Caleb Hammer?

  How can you even say that overall, though?

• 8:45Speaker 03

  Because I base it off the checks that I get.

• 8:50Caleb Hammer?

  You literally can't even tell me what you think you made this year? What the is wrong with you? How can I have a conversation with you, dude?

• 8:56Speaker 03

  You wanna give, okay, I probably made ninety...

• 9:00Speaker 03

  Two thousand.

• 9:01Caleb Hammer?

  Before taxes or after?

• 9:02Speaker 03

  Before.

• 9:03Caleb Hammer?

  Okay.

• 9:06Caleb Hammer?

  Oh, you don't wanna leave cuz your mommy works there?

• 9:08Speaker 03

  No, my mom's retiring, she's leaving. There's nothing to do with her.

• 9:13Caleb Hammer?

  Or don't, I mean, if it's ninety, it's decent. Where is Riverside? Is that LA?

• 9:17Speaker 03

  It's in between LA and San Diego.

• 9:19Caleb Hammer?

  Okay, so it ain't cheap?

• 9:20Speaker 03

  No.

• 9:21Caleb Hammer?

  It's a beach town?

• 9:22Speaker 03

  No.

• 9:23Caleb Hammer?

  No? It's in the desert?

• 9:25Speaker 03

  It's...

• 9:25Caleb Hammer?

  Hills?

• 9:26Speaker 03

  In the valley.

• 9:29Caleb Hammer?

  Is it expensive?

• 9:30Speaker 03

  Yes.

• 9:31Caleb Hammer?

  Yeah, but everyone thinks where they live is expensive. Is it actually?

• 9:33Speaker 03

  Yes, it is expensive.

• 9:35Speaker 06

  I'm not native California, so in comparison, yes.

• 9:38Caleb Hammer?

  Yeah, but is it California expensive? Cuz ninety, ninety could pull, potentially? Alright, okay, so how you doing in Riverside? You look like you're probably a mother of like, seven with multiple dads, right?

• 9:53Speaker 03

  That's horrible, no, I don't have any children.

• 9:55Caleb Hammer?

  You look and smell like it.

• 9:57Speaker 03

  What does that even mean? How does one look like, and how does one smell like a mother?

• 10:01Caleb Hammer?

  Uh, whatever you're wearing smells like it's, uh, trying to cover up last night's alcohol and this morning's cigarette.

• 10:08Speaker 03

  Uh, don't smoke cigarettes, and I also am not wearing any perfume.

• 10:11Caleb Hammer?

  Yes, you are, you're wearing something. Maybe it's your deodorant, then.

• 10:14Speaker 03

  Maybe it's my hair cream for my curls.

• 10:16Caleb Hammer?

  Yeah, it might be the cream you put in your hair, yes.

• 10:18Speaker 03

  Yeah, that's it, I don't wear perfume.

• 10:20Caleb Hammer?

  So, it smells like baby mama, like, career baby mama. Oh, okay, but you're not.

• 10:25Speaker 03

  No, I don't have children.

• 10:27Caleb Hammer?

  I was asking.

• 10:27Speaker 03

  Was that a question?

• 10:28Caleb Hammer?

  Yes.

• 10:29Speaker 03

  I don't think that was a question.

• 10:30Caleb Hammer?

  It was a question based on the assumption. Well, yeah, I mean, I was asking if my assumption was correct, because everyone I know that resembles this.

• 10:39Speaker 03

  What do you mean this?

• 10:40Caleb Hammer?

  You, that looks like you and smells like you, usually results in that. So approximately eighty-eight thousand five hundred seventy-five dollars a year is the midpoint where half households earn more, half earn less in Riverside, California. Households, though, that's not individual pay, so you're doing well for Riverside. You're above, you're in the top half of households, alone, without even a child, surprise, surprise. Are we sure about that?

• 11:03Speaker 03

  I'm a hundred percent positive.

• 11:04Caleb Hammer?

  Okay.

• 11:07Caleb Hammer?

  Okay. So, how you doing then? If we know you're making pretty okay for Riverside, no children allegedly. How are you doing in Riverside, lady?

• 11:18Speaker 03

  I think I'm doing fine, um, but I just need to pay off some debt so I can be better. That's all.

• 11:25Caleb Hammer?

  So, you're doing fine? Why are you in debt?

• 11:28Speaker 03

  Uh, because life happens.

• 11:29Caleb Hammer?

  Okay, that's not an answer. Why are you in debt? Let's try this again. Remember, you're on a podcast. I'm gonna remind you about that.

• 11:35Speaker 03

  I've made decisions. I've spent some money and that's why I'm in debt.

• 11:40Caleb Hammer?

  Ooh, vague poster, okay. Is this what you're like online? You just vague post? You give absolutely no context for anything that's happening? You spend some money? We all do!

• 11:51Caleb Hammer?

  What the [bleep] is going on in your life? What are we talking about?

• 11:54Speaker 03

  Look, uh, my

• 11:58Speaker 03

  way of spending is something-

• 11:59Caleb Hammer?

  What is your way of spending? Let's try that.

• 12:01Speaker 03

  I like to spend money on things that fill my-

• 12:06Caleb Hammer?

  Oh my goodness, you are just- Can you give me [bleep] anything, dude? Anything more not vague endlessly? I spend my money on things. Things that bring me joy. What do you spend your [bleep] money on, dude? And this is what got you into debt?

• 12:21Speaker 03

  I spend my money on traveling. I spend my money on-

• 12:25Caleb Hammer?

  Where are you going? How much are you traveling? What are you doing?

• 12:27Speaker 03

  I've been to the Maldives. I've been to Thailand. I've been to different parts of Mexico.

• 12:33Caleb Hammer?

  How many are we traveling? These are expensive trips, not Mexico. I mean, that's relatively close to you, but still can be expensive for sure. But Philippines and all that shit, or Thailand, whatever. Which one? One of those?

• 12:43Speaker 03

  Thailand.

• 12:43Caleb Hammer?

  Asia, yeah.

• 12:44Speaker 03

  Yeah.

• 12:44Caleb Hammer?

  Okay.

• 12:45Speaker 03

  Mm-hmm. Um, I spend money on which-

• 12:48Caleb Hammer?

  No, how much are you traveling? This is, these are expensive ass trips.

• 12:51Speaker 03

  Like, how many times a year?

• 12:52Caleb Hammer?

  Oh my goodness, how often? How often? This is, oh, this is gonna be a teeth pulling conversation. Yes, sure. If that's how you want to answer it, how many times a year are we traveling?

• 13:03Speaker 03

  Three to four times a year.

• 13:04Caleb Hammer?

  What the [bleep] is wrong with you? How? How can you? Why should, again, you make halfway decent income, but if you're going into debt for it, what's even the point? What are we trying to do? Are you single?

• 13:14Speaker 03

  Yeah.

• 13:14Caleb Hammer?

  What are you trying to do?

• 13:16Speaker 03

  Just live my life!

• 13:19Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 13:48Speaker 03

  That's it. Trying to enjoy life?

• 13:50Caleb Hammer?

  Do you care about debt?

• 13:51Speaker 03

  Um, well, I don't really believe that you can be debt free. Like-

• 13:56Caleb Hammer?

  Well, how's that? What do you even mean by that? Because obviously people are debt free. So what do you mean people? You don't, how? What does that even mean? What does that even mean?

• 14:05Speaker 03

  Look, I don't believe that you, you can possibly be debt free.

• 14:08Caleb Hammer?

  I've already heard you say that. So what does that mean?

• 14:10Speaker 03

  It means that if you stop using your credit, you're going to ruin your credit. You have to constantly be using it. So in an ideal world-

• 14:16Caleb Hammer?

  That doesn't mean you can't be.

• 14:18Speaker 03

  I didn't say that you can't.

• 14:19Caleb Hammer?

  You just said, I believe people can't be debt free.

• 14:22Speaker 03

  I just don't believe it's necessarily true. Because there's gonna be a mortgage. There's gonna be a car loan. There's gonna be a credit card.

• 14:28Caleb Hammer?

  Doesn't have to be, doesn't have to be, doesn't have to be.

• 14:30Speaker 03

  So what? You're just never gonna do anything?

• 14:31Caleb Hammer?

  There are people. I don't even advocate for full debt free, but like people that follow Dave Ramsey's program. Yeah, there's tens and tens and tens of thousands of people that have gone through his programs that are completely debt free, including their house. Yes.

• 14:43Speaker 03

  I don't think it's necessarily true.

• 14:46Caleb Hammer?

  You don't think it's true? Like, how do I even talk with that? What, you don't think it's true?

• 14:53Speaker 03

  Because somebody can consider being debt free, like just having like a thousand dollars on a credit card.

• 14:56Caleb Hammer?

  No, that's not debt free. That is debt. Are you? I'm confused. That is a balance on a credit card that would equal debt. What do you? You think people that go through-

• 15:06Speaker 03

  Some people consider it as debt.

• 15:06Caleb Hammer?

  You think, okay, well, those people are stupid. We don't need to think about those people. But you think that people that go through Dave Ramsey's program have a thousand dollars on a credit card and they don't consider that debt?

• 15:18Speaker 03

  I don't know what to tell you.

• 15:19Caleb Hammer?

  What?

• 15:20Speaker 03

  I just don't think it's a real thing. I don't think it's possible. I don't think it's possible for you to be debt free. And that's just, I don't think it's a thing.

• 15:27Caleb Hammer?

  I was gonna vibe with you a little bit when you said, well, maybe it's not smart to be completely debt free. Because, you know, we should use credit cards and credit scores are important and can be good for apartments. It can be good for, you know, future car loans potentially, like 0% deals, 1% deals. It can be good for finessing, you know, maybe 0% furniture for like three years. It could be good for a variety of things, especially a mortgage. We could vibe with that. But then when you say it literally might not be like, literally it might not be possible. I think you're kind of literally broken.

• 16:00Speaker 03

  No, I just think like in my ideal world.

• 16:03Caleb Hammer?

  Your ideal world? That's not what's possible. Your ideal world and what's possible are very different things.

• 16:08Speaker 03

  In my ideal world, it is, I would have at least $2,000 of credit card debt always.

• 16:12Caleb Hammer?

  Okay, well, that's with what limits? Like, what the does that even mean?

• 16:16Speaker 03

  Just bouncing around the 2,000 on my credit cards, just to keep my credit active.

• 16:20Caleb Hammer?

  And what would the limits be on all your credit accounts? Yes, your credit cards, let's say.

• 16:26Speaker 03

  Uh, well, that, the max limit on them, it's like, what? 20,000, 12,000, 11,000, 10,000?

• 16:35Caleb Hammer?

  What did you have now? So you're talking about the ones you already have now?

• 16:37Speaker 03

  Yeah, I'm talking about the ones I already have now.

• 16:39Caleb Hammer?

  Okay, so you have those big limits in your ideal world would always be have 2,000 that is accruing interest?

• 16:44Speaker 03

  No, just bouncing around on my credit cards.

• 16:46Caleb Hammer?

  What's bouncing around? What does that mean to you?

• 16:48Speaker 03

  Because I have so many credit cards.

• 16:49Caleb Hammer?

  Uh huh.

• 16:50Speaker 03

  I would be bouncing the debt from like.

• 16:52Caleb Hammer?

  Transferring, transferring, transferring?

• 16:53Speaker 03

  No, not transferring.

• 16:54Caleb Hammer?

  Then what is bouncing?

• 16:55Speaker 03

  Well, I'm trying to explain that to you, but you keep cutting me off. Maybe if you listen, Linda.

• 16:59Caleb Hammer?

  I'm trying to listen, but the words you're saying aren't just like, they're not real financial terms. So I'm trying to just understand what you're, even qualify what you're trying to say. So they're bouncing around?

• 17:10Speaker 03

  So I would have $2,000 on one credit card. I'd pay that off and then it'd go out. I'd charge another 2,000 on a different credit card.

• 17:16Caleb Hammer?

  So every single month?

• 17:18Speaker 03

  Yes, just rotating the credit cards to always have at least 2,000 on there.

• 17:22Caleb Hammer?

  I don't know why the 2,000 number specifically, because you can keep them open and alive by spending like a buck on each card a month.

• 17:28Speaker 03

  The 2,000 is basically two vacations.

• 17:33Caleb Hammer?

  Okay, so it's to fund what you want.

• 17:36Speaker 03

  Yeah.

• 17:36Caleb Hammer?

  Okay, and how much debt do you have today?

• 17:38Speaker 03

  Um, I-

• 17:39Caleb Hammer?

  Not including the mortgage. I know you have a mortgage, chunky ass mortgage by the way, but not including the mortgage.

• 17:45Speaker 03

  Um, I don't know, say like thirty?

• 17:49Caleb Hammer?

  You literally just said you want to cycle two thousand and you're just guessing on your debt. Let's see how close you are.

• 17:59Caleb Hammer?

  Thirty, okay, so, I mean, it's more than double. So how can you even tell me your plan, your desire? What you want to be is three thousand or two thousand hours bouncing between cards. If your literal fucking debt right now is ahead of your mortgage is sixty-two thousand, two hundred, three dollars and seventy-two cents. So what are you talking about? That doesn't make any sense. You're not in that world. You're only going up in debt. I would assume usually it wouldn't be a lot on this show unless that's the case.

• 18:29Speaker 03

  Well-

• 18:29Caleb Hammer?

  So what the fuck are you talking about that's your plan? What are you doing there to get that to be? That doesn't line with anything you're doing.

• 18:36Speaker 03

  Well, that's the lifestyle that I've always had.

• 18:39Caleb Hammer?

  What, what, what is?

• 18:40Speaker 03

  The having just the two thousand dollars in credit card. But what happened was the mortgage and I had to readjust to having a mortgage.

• 18:48Caleb Hammer?

  But that doesn't make any sense. So you got a mortgage you couldn't afford. Why'd you get the mortgage?

• 18:51Speaker 03

  No, I didn't afford it.

• 18:53Caleb Hammer?

  You don't have children. Then you wouldn't be readjusting. There's no readjust. What do you mean readjust?

• 18:56Speaker 03

  It's readjusting my additional spendings.

• 18:59Caleb Hammer?

  What are you talking about though? If you could afford the mortgage, what would you be readjusting?

• 19:03Speaker 03

  Like my spending on like eating out and like my-

• 19:05Caleb Hammer?

  Why does that change if it's something you can afford?

• 19:07Speaker 03

  Because I can't afford to eat out as much because of the mortgage.

• 19:10Caleb Hammer?

  That doesn't mean you can afford it then. What was your rent percentage? Your needs should still only be about fifty percent. Sure, it's California, maybe a little higher, but you have a strong income even on a slow year. So still, it should be about fifty percent. You should still have thirty percent for fun. What the fuck are you cutting back on eating out, which you should by the way, anyway, because the only thing you're probably adjusting is the waistline of a pants.

• 19:32Speaker 03

  Actually, it doesn't change.

• 19:33Caleb Hammer?

  Well, that's not good either.

• 19:35Speaker 03

  So.

• 19:35Caleb Hammer?

  Instead of just adjusting for your mortgage, you should be adjusting your fast food down regardless, most likely for health reasons. But besides that-

• 19:45Caleb Hammer?

  This doesn't sound like something you can afford if you have to cut back from that percentage of fun anyway.

• 19:49Speaker 03

  It's just an adjustment that I'm not used to. I'm used to being able to spend money whenever I want, however I want.

• 19:53Caleb Hammer?

  This doesn't sound like something you can afford then.

• 19:55Speaker 03

  But it is. I can afford it.

• 19:57Caleb Hammer?

  Fine, what's your mortgage?

• 19:58Speaker 03

  Uh, $4,220.

• 20:01Caleb Hammer?

  Well, what the fuck are you talking about if you bring in $6,200 a month on average? That's 70% of your income, dummy!

• 20:08Speaker 03

  To what?

• 20:09Caleb Hammer?

  That's not affordable, dummy!

• 20:10Speaker 03

  It is.

• 20:11Caleb Hammer?

  Your living expenses should be 50%, maybe 60% because of the state you live in, but again, you make good money in a low... And, uh, and, and, and, even... you make a good income.

• 20:22Caleb Hammer?

  Even in a low year.

• 20:23Speaker 03

  I also have tenants.

• 20:24Caleb Hammer?

  Well, thank... because I don't... that's 70% of your life. 70% of everything. That is not a mortgage you can afford. And even with tenants, that will supplement you a little bit here and there, but what about expenses when they pop up? Like something needs to be repaired? What about when one of them moves out? What's their, what's their lease terms?

• 20:41Speaker 03

  It's month to month.

• 20:42Caleb Hammer?

  Okay, see, there you go! Where's one of them just... well, how many tenants do you have?

• 20:46Speaker 03

  Two.

• 20:47Caleb Hammer?

  Okay, so it's so easy for them to just leave. If it's month to month, they're just out. Then what? You can't afford that. 70%? Get the fuck... Especially when you include all your extra debt payments on top of that. Uh, that has to be like 100%. How do you afford utilities? How do you afford, uh, gas, car insurance, food?

• 21:06Speaker 03

  It's all covered.

• 21:07Caleb Hammer?

  No. Your debt has only gone up, which is, I think, the real answer. What do you mean it's all covered? Your debt has gone to, what was it, 62,000 from revolving 2,000 hours a month? What are you talking about? And what happens when a tenant fails to pay?

• 21:20Speaker 03

  Uh, well, that has happened once.

• 21:22Caleb Hammer?

  And?

• 21:23Speaker 03

  I mean, it was tight.

• 21:24Caleb Hammer?

  Well, we know your debt's only gone up, so I don't think it's just tight. I think you're...

• 21:28Speaker 03

  Well, when he did move out, uh, yeah, it did get a little hard and I had to use my credit card from time to time, so...

• 21:35Caleb Hammer?

  So what do you bring in from the tenants on a monthly basis?

• 21:38Speaker 03

  1,700.

• 21:43Caleb Hammer?

  And what was your mortgage again?

• 21:44Speaker 03

  4,200.

• 21:46Caleb Hammer?

  1,700 when they pay.

• 21:49Caleb Hammer?

  It's still 40%. And it's still on the chunky top edge, and that's if they pay.

• 21:55Speaker 03

  But that's because of the mortgage insurance that's on there.

• 21:57Caleb Hammer?

  Well, maybe. It sounds like you couldn't have gotten the house because you didn't put enough down.

• 22:01Speaker 03

  I had to refinance to get rid of-

• 22:02Caleb Hammer?

  Had to refinance.

• 22:03Speaker 03

  I have to refinance to get rid of the mortgage insurance. That's-

• 22:05Caleb Hammer?

  Or you just get a 20% equity, or you just pay off your mortgage insurance.

• 22:09Speaker 03

  Yeah, that's a lot.

• 22:11Caleb Hammer?

  Refinancing's a lot. That costs money. You might get baked into the loan, but then your extra [bleep]. You already can't afford this. Have rates gone down enough from where you're at to even make a refinancing make sense?

• 22:21Speaker 03

  Not right now.

• 22:21Caleb Hammer?

  Minimum 2%?

• 22:22Speaker 03

  Not right now.

• 22:23Caleb Hammer?

  Then what the [bleep] are you talking about refinancing?

• 22:24Speaker 03

  I said I need to.

• 22:26Caleb Hammer?

  Have you gained that much equity in your house? We're refinancing. We get you at a 20% equity position.

• 22:30Speaker 03

  No, I don't think there's enough equity in there.

• 22:32Caleb Hammer?

  So what PMI are you getting rid of?

• 22:34Speaker 03

  That's what I was told by my Realtor advisor that he was like the only way to-

• 22:36Caleb Hammer?

  Realtor advisor? What is a Realtor advisor? An advisor to your Realtor?

• 22:41Speaker 03

  Yeah.

• 22:41Caleb Hammer?

  What? Actually.

• 22:43Speaker 03

  Yeah.

• 22:43Caleb Hammer?

  You had an advisor to your Realtor who talked to you about refinancing your house, but you just don't understand when and where and how.

• 22:49Speaker 03

  So there's my Realtor.

• 22:51Caleb Hammer?

  Oh.

• 22:51Speaker 03

  Right?

• 22:51Caleb Hammer?

  Yes, you have a Realtor. Very good.

• 22:53Speaker 03

  And then he has an advisor.

• 22:54Caleb Hammer?

  What the [bleep]. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, YRefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates? Under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a co-center release program so your mom and dad can step off the hook. YRefi's known for their personal service. No faceless call centers.

• 23:37Caleb Hammer?

  You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Yrefi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer. Or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest.

• 24:22Caleb Hammer?

  So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 24:38Speaker 07

  The number one ranked energy drink is gamer subs.

• 24:41Caleb Hammer?

  Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb.

• 24:54Speaker 03

  Don't ask me, that's his.

• 24:55Caleb Hammer?

  I am asking you because that's odd.

• 24:57Speaker 03

  Business, that's not my business, that's his business.

• 25:00Caleb Hammer?

  Well, it's impacting your business, i.e. your entire life, because that's the person who advised you to be with your house, but go ahead, continue.

• 25:07Speaker 03

  No, he just told me in regards to when I was closing the loan and everything that that was going to be on there unless I refinanced. Or of course that I had enough.

• 25:16Caleb Hammer?

  Refinance when you have an equity position. It's a two you having equity gained.

• 25:23Speaker 03

  And there has been some equity gain and I'm just waiting for it to keep going up. It's just something I need to do.

• 25:28Caleb Hammer?

  Find the out.

• 25:30Speaker 03

  But it's something I need to do. It's not something I'm doing right now. It's not something I'm working on because it's not possible right now, but it is something that I need to.

• 25:36Caleb Hammer?

  Mortgage insurance is not going to be what makes or breaks your 70% of your income.

• 25:41Speaker 03

  Dollars.

• 25:42Caleb Hammer?

  Huh?

• 25:42Speaker 03

  It's another thousand dollars.

• 25:43Caleb Hammer?

  A month?

• 25:44Speaker 03

  Yes.

• 25:45Caleb Hammer?

  Your PMI is a thousand a month?

• 25:47Speaker 03

  The mortgage insurance is a thousand a month.

• 25:49Caleb Hammer?

  You didn't send us your mortgage statement? What the is wrong with you?

• 25:52Speaker 03

  Yes, I did.

• 25:53Caleb Hammer?

  Type in your address, lady. You're gonna jump around. The are you talking about?

• 26:00Caleb Hammer?

  If it's a thousand hours a month, it should be damn paid off almost immediately. You're incorrect, I've heard.

• 26:08Caleb Hammer?

  7% rate? Okay, so what do I want to do? Let's see, how's that broken down?

• 26:13Caleb Hammer?

  It's 200 bucks a month. What is wrong with you? You have no idea what you're talking about. Did the advisor tell you this?

• 26:19Speaker 03

  No.

• 26:20Caleb Hammer?

  So what the fuck are you talking about? You sent a statement, you're able to look at a statement, why are you so broken?

• 26:25Speaker 03

  Honestly, I didn't read that.

• 26:31Caleb Hammer?

  Then how the fuck can you confidently tell me a number? Honestly, I don't read that.

• 26:36Speaker 03

  It was based on the numbers that I was given when I closed the loan.

• 26:38Caleb Hammer?

  What numbers were you given when I closed the loan to make you think it was 1,000 hours a month? So no, that two-

• 26:42Speaker 03

  It gave me the breakdown of the full payment.

• 26:47Caleb Hammer?

  I have your full payment right here, you tit. So, I don't think refinancing is honestly really gonna save you much money, if anything at all. You have an 8.5% equity position in your home. 8.5%. You're not getting to a point where it'd be 20%.

• 27:05Speaker 03

  I told you it wasn't high.

• 27:07Caleb Hammer?

  So what the fuck are you talking about, then?

• 27:08Speaker 03

  It's just something that needs to be done in the future, to help me.

• 27:11Caleb Hammer?

  But why? Your PMI will probably be paid off by then.

• 27:13Speaker 03

  I don't know. I'd have to look at it when the time comes.

• 27:16Caleb Hammer?

  Look at what? You don't look at anything. You didn't even know what you were saying.

• 27:19Speaker 03

  So I don't look at my mortgage statement every even month?

• 27:21Caleb Hammer?

  Yeah, but you told me how you would save money.

• 27:23Speaker 03

  It was based on what the numbers I saw when I closed the loan. The breakdown that they gave me in my mortgage payment. And how much goes to mortgage insurance? And how much is my rate and all that stuff? And that's what I based it off of. That was the number that stuck in my head.

• 27:35Caleb Hammer?

  And then you also said something weird before I cut you off, because I just needed to get information. You said you spend money on like witchcraft or some [bleep] of something stupid?

• 27:44Speaker 03

  Yeah, so actually, I brought a spell. So I would love to do the spell, so we can go ahead and assist me with clearing up this debt.

• 27:53Speaker 05

  Yes, sirree. Thought about killing myself.

• 27:58Caleb Hammer?

  I don't think that's what's gonna actually do it, so [bleep] you.

• 28:00Speaker 03

  What do you mean? I mean, I brought everything, like-

• 28:04Caleb Hammer?

  Hey, has that helped you yet?

• 28:06Speaker 03

  Well, to be fair, yes, because this is a money ritual spell that I brought.

• 28:13Speaker 03

  And so with this money ritual, usually when I do a money ritual, I always ask-

• 28:18Caleb Hammer?

  It has never worked. Your money's always gotten worse.

• 28:22Speaker 03

  Anytime, let me finish.

• 28:24Caleb Hammer?

  Uh huh.

• 28:25Speaker 03

  Anytime I use a money ritual, I always ask for just my bills to be paid.

• 28:28Caleb Hammer?

  Uh huh.

• 28:28Speaker 03

  I never ask for additional stuff. I always just ask for the bills to be paid. This is a specific money ritual where I'm gonna be asking for a specific amount of money, which is to clear up my debt.

• 28:39Caleb Hammer?

  Why don't you just, you know, do work?

• 28:43Speaker 03

  I do work.

• 28:44Caleb Hammer?

  That's all that's required.

• 28:50Caleb Hammer?

  Doesn't smell like anything.

• 28:51Speaker 03

  It's chamomile. It smells like chamomile.

• 29:00Caleb Hammer?

  Okay.

• 29:03Caleb Hammer?

  Very good.

• 29:06Caleb Hammer?

  Proud of you for not actually doing anything.

• 29:09Speaker 03

  It does do something, because again-

• 29:10Caleb Hammer?

  Why don't you actually just go do shit?

• 29:12Speaker 03

  I do do shit. This is another way to help. It's an additional support. Like I said, I've never asked for a specific amount. I've only ever asked for my bills to be covered-

• 29:20Caleb Hammer?

  Why don't you go earn a specific amount?

• 29:22Speaker 03

  I do earn a specific amount.

• 29:24Caleb Hammer?

  Girl, I'm not gonna, we're not doing witchcraft in my studio.

• 29:28Speaker 03

  Why not?

• 29:29Caleb Hammer?

  This is what I think of your witchcraft. Oh, fuck you.

• 29:33Speaker 03

  You're a disrespectful-

• 29:35Caleb Hammer?

  Absolutely. We ain't doing that shit here. I'm not allowing that bit. Fuck you.

• 29:39Speaker 03

  What do you mean? I mean, thank you for sprinkling me in chamomile. There's nothing wrong with that.

• 29:43Caleb Hammer?

  Yeah, you look great.

• 29:44Speaker 03

  But I know it's amazing. I'm a fairy.

• 29:46Caleb Hammer?

  I'm not allowing it. I know you wanted to do a little bit. Fuck you.

• 29:49Speaker 03

  Why not?

• 29:49Caleb Hammer?

  I'm not having you do a witchcraft in my studio. It's not happening.

• 29:53Speaker 03

  There's nothing wrong with it.

• 29:54Caleb Hammer?

  I'm not having the studio tainted with things I don't even understand.

• 29:56Speaker 03

  It's not tainted.

• 29:58Caleb Hammer?

  If you are going to make money to pay off your debt, you are going to earn money, you are gonna budget your way through it, you are gonna change your behavior, you're gonna be an adult, instead of trying to find some shortcut through witchcraft. Fuck you.

• 30:11Speaker 03

  It's not a shortcut. It is support. And who's childish?

• 30:14Caleb Hammer?

  Stop being a dumbass.

• 30:15Speaker 03

  You threw it at me.

• 30:16Caleb Hammer?

  You're damn right. Cause I'm not having that shit. I'll take some childish for that, but you're gonna be an adult going forward, and you're gonna get your shit together like a real-

• 30:23Speaker 03

  My shit is together, alright?

• 30:25Caleb Hammer?

  What are you talking about?

• 30:27Speaker 00

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• 30:56Caleb Hammer?

  This is how it goes up. You lose tenants left and right. Sometimes they don't even pay rent.

• 30:59Speaker 03

  I do not lose tenants when left and right. It was one. It was one tenant.

• 31:03Caleb Hammer?

  How long have you owned your house?

• 31:05Speaker 03

  Two years?

• 31:06Caleb Hammer?

  Sometimes they don't pay rent.

• 31:09Speaker 03

  There's only one tenant.

• 31:10Caleb Hammer?

  Yeah, that's still big and you can't afford that. And your debt only goes up. You spend your money on traveling four times a year. What the are we talking about?

• 31:19Caleb Hammer?

  Obviously, none of this makes sense. You are not acting like an adult.

• 31:22Speaker 03

  It doesn't make sense to you because you haven't looked at anything.

• 31:24Caleb Hammer?

  You're not acting like an adult in your life.

• 31:27Speaker 03

  What is an adult?

• 31:28Caleb Hammer?

  You cannot afford.

• 31:29Speaker 03

  What is the definition of being an adult?

• 31:31Caleb Hammer?

  One, you couldn't afford this mortgage. You got a mortgage that has 70% of your income. That's.

• 31:35Speaker 03

  I pay it.

• 31:35Caleb Hammer?

  Well, you pay it with PMI, meaning you didn't even put enough down, honestly. And.

• 31:39Speaker 03

  3.5 is what it was required.

• 31:42Caleb Hammer?

  Yes, that doesn't mean it's good for you. What do you mean?

• 31:45Speaker 03

  It was required.

• 31:46Caleb Hammer?

  If someone offers you meth on the side of the road, doesn't mean it is good for you just because it is there for you to take.

• 31:51Speaker 03

  I mean, you could take it and then resell it and then it is good for you because then you make some money.

• 31:54Caleb Hammer?

  Is that what you do?

• 31:55Speaker 03

  No.

• 31:55Caleb Hammer?

  Then shut the up.

• 31:57Speaker 03

  You're the one who brought up meth. I'm just going with your example that you gave.

• 31:59Caleb Hammer?

  Yeah, but you're taking it in a stupid direction. I'm just saying because something is available, doesn't mean it is good.

• 32:05Speaker 03

  Unless you use it for good.

• 32:07Caleb Hammer?

  My goodness. How is this logic so broken to you? I don't understand. This mortgage is likely something that is. How's your relationship with the tenants?

• 32:17Speaker 03

  Good.

• 32:18Caleb Hammer?

  Okay. And how long has the shortest tenant been there?

• 32:22Speaker 03

  He's been there six months.

• 32:23Caleb Hammer?

  Okay, we'll see. Month to month, people are usually in and out. We'll kind of see and you got to find someone instantly. And even still, it's 40% of your income. Again, I don't believe that you don't have children, but I'm glad you're at least taking care of them.

• 32:35Speaker 03

  I don't have children.

• 32:36Caleb Hammer?

  That they don't exist. I'm being told you don't even always do background checks on them.

• 32:40Speaker 03

  No.

• 32:41Caleb Hammer?

  You won't rent to women?

• 32:43Speaker 03

  No.

• 32:45Caleb Hammer?

  Why, you're trying to get a little bonus here or there?

• 32:47Speaker 03

  No, they're just, men are easier to deal with than women. I have experience with tenants being women and it's horrible experience.

• 32:54Caleb Hammer?

  That sounds very sexist and very generalizing of half the human population.

• 32:59Speaker 03

  It's been my experience, so that's-

• 33:01Caleb Hammer?

  Yeah, with how many?

• 33:02Speaker 03

  Five different women.

• 33:03Caleb Hammer?

  That have rented from you?

• 33:04Speaker 03

  Mm-hmm.

• 33:04Caleb Hammer?

  You said you've only had one that was a failure. So what the [__] are you talking about?

• 33:08Speaker 03

  So I lived with my mom, and my mom rented rooms, and I assisted her with those tenants.

• 33:12Caleb Hammer?

  Okay, were you guys doing background checks? You don't even do background checks now? I think that would be the failure of you, is the landlord.

• 33:18Speaker 03

  I wasn't the landlord, my mom was the landlord. Those are the female tenants that she got.

• 33:21Caleb Hammer?

  And were you doing background checks?

• 33:22Speaker 03

  Was I? No.

• 33:22Caleb Hammer?

  Oh my gosh, okay, so you're gonna blame it on them being women?

• 33:25Speaker 03

  They were only the women that we were having issues with.

• 33:27Caleb Hammer?

  I love to be sexist for fun as much as everyone else, but you're being [__] right now. What do you mean?

• 33:32Speaker 03

  It's just the truth. It's what I've experienced, and I went based off of my experience.

• 33:37Caleb Hammer?

  Okay, so how do you get your tenants now?

• 33:39Speaker 03

  Um, I have the website set up through, um, what is it, travel, for travel nurses?

• 33:45Caleb Hammer?

  So it's people that really are gonna be in and out?

• 33:47Speaker 03

  Yeah.

• 33:48Caleb Hammer?

  Oh, for [__] sake.

• 33:49Speaker 03

  I have that website set up, and then I have the Facebook Marketplace.

• 33:51Caleb Hammer?

  Has it ever gotten weird with any dude?

• 33:53Speaker 03

  Nope, I have security cameras and guns.

• 33:55Caleb Hammer?

  Yeah, but you also seem like, again, someone with like fifty, fifty, like, men that have birthed children inside of you.

• 34:02Speaker 03

  That's so weird of you to say that.

• 34:05Caleb Hammer?

  I guess, it might be, that's fine.

• 34:06Speaker 03

  You look like a giant man baby, but I mean, like-

• 34:09Caleb Hammer?

  Man baby, what would that even mean?

• 34:11Speaker 03

  You look like a child, but you look huge, so you look like a man baby.

• 34:15Caleb Hammer?

  Look like a child? How?

• 34:18Speaker 03

  You look like a child. You look like a giant man baby. You look like somebody stuck a face of a, of a baby and put it on a child-

• 34:24Caleb Hammer?

  I have baby face?

• 34:25Speaker 03

  Like a man baby.

• 34:26Caleb Hammer?

  Baby face?

• 34:27Speaker 03

  No, baby face and man baby are two different things.

• 34:30Caleb Hammer?

  Huh?

• 34:30Speaker 03

  Baby face and man baby are two different things.

• 34:32Caleb Hammer?

  Explain man baby to me, cuz I explained how you look like a whore earlier, so explain to me how I look like a baby.

• 34:37Speaker 03

  You really didn't explain that.

• 34:40Caleb Hammer?

  Explained it with the smell. Everyone knows the smell.

• 34:43Speaker 03

  I still don't know what you mean by the smell. It's not an explanation.

• 34:47Caleb Hammer?

  Smell your hair and you'll get it. Again, it is the smell that whores wear when they're covering up from the cigarette in the morning and the alcohol from the previous day. It doesn't smell like shampoo. No, no, no. No, no, no.

• 34:59Speaker 03

  It does smell like shampoo and curling cream. That's what it smells like.

• 35:01Caleb Hammer?

  So what are we doing then? If you don't care about your future, then why? Why? What are we doing? Cause there's no point of sacrificing.

• 35:06Speaker 03

  We're just living life and I just want to enjoy living life.

• 35:10Caleb Hammer?

  Okay. Well, that's a different show.

• 35:11Speaker 03

  But I just want to enjoy it the way I want to enjoy it.

• 35:13Caleb Hammer?

  How do you want to enjoy it?

• 35:14Speaker 03

  With only having $2,000 with debt.

• 35:16Caleb Hammer?

  But there is no point of sacrificing the sacrifice that is going to be required if you're not going to live a long life to enjoy it.

• 35:22Speaker 03

  But I'm already enjoying it.

• 35:24Caleb Hammer?

  Yeah, but you're not. If you want to get to the $2,000 a month and pay off this, uh, what was it? I forgot how much debt it was, but like tens of thousands of dollars a debt, you're not going to be enjoying life for a good, long while.

• 35:37Caleb Hammer?

  In order, so what is the point of this large sacrifice that is going to be required that we've all gone through, those that have been in bad debt, like I was?

• 35:44Speaker 03

  And I've been on it before.

• 35:45Caleb Hammer?

  Oh my gosh. Okay. Great.

• 35:47Speaker 03

  This will be my third time, unfortunately.

• 35:49Caleb Hammer?

  Well, that's even worse then, actually. But what's the point of going through all the sacrifice? You probably just took shortcuts like last time, like you just tried to do with your magic spell bullshit. But what is the point of this hard sacrifice, long sacrifice that will be required for this better life if you will not be long around to see it and have the energy to be able to participate in it?

• 36:07Speaker 03

  How do you know what kind of energy and how long I'm gonna live?

• 36:09Caleb Hammer?

  Cause you're fat.

• 36:10Speaker 03

  So?

• 36:11Caleb Hammer?

  That means you're gonna die earlier and your energy levels are gonna be less.

• 36:14Speaker 03

  I don't know.

• 36:15Caleb Hammer?

  Yes.

• 36:15Speaker 03

  Don't think so.

• 36:16Caleb Hammer?

  Science does.

• 36:17Speaker 03

  Grandparents died at 99.

• 36:18Caleb Hammer?

  Okay. How fat were they?

• 36:21Speaker 03

  Don't know. I don't, I don't pretake. I don't, I'm not checking people's BMI like you do. I'm not over here doing that for every person that I meet.

• 36:29Caleb Hammer?

  Yeah, but that is very dependent on the, the statistical likelihood of long life. Your grandparents, it doesn't matter if you're related to them, if their lifestyles were good.

• 36:37Speaker 03

  No, their lifestyles are horrible.

• 36:38Caleb Hammer?

  How do you know? You just said you weren't checking.

• 36:40Speaker 03

  Just, I wasn't checking their weight.

• 36:42Caleb Hammer?

  You couldn't tell if they were fat when you looked at them?

• 36:44Speaker 03

  I told you I'm not fat. So that already gives you the description of what I think that is.

• 36:48Caleb Hammer?

  You know you're fat though, right? No. No, no, I need to be very clear. Like it's not joking roasting anymore. Like I need to be very clear for the sake of health and sake of everyone out there. You cannot think that this is considered normal.

• 36:59Speaker 03

  I'm not fat. I'm not skinny. I'm not fat.

• 37:02Caleb Hammer?

  You are, you, you are fat. Um, this is not an insult. I want to be very clear.

• 37:06Speaker 03

  I understand what you're doing.

• 37:07Caleb Hammer?

  We cannot do fat acceptance. It is not okay.

• 37:10Speaker 03

  I wouldn't consider you fat either.

• 37:11Caleb Hammer?

  Girl, I'm obese.

• 37:12Speaker 03

  Wouldn't consider you fat.

• 37:13Caleb Hammer?

  How do you know what's good for me? That's my opinion! It doesn't matter what you do. Science does. It is not healthy. We are not gonna live long lives. My energy levels are not as good as other people. My resting heart rate is not as good as everyone else. I am more susceptible to high blood pressure and diabetes. So are you. These are not good things and I can, this is not the point of this conversation, but the fact that we got down it, I need to be very clear. And it is important for those watching, accepting this as not fat is just not the real world. That's not the real world and that is not okay. It's not acceptable and it is not healthy or normal.

• 37:46Speaker 03

  What do you want me to tell you? I'm not fat.

• 37:49Caleb Hammer?

  I was hoping maybe you'd kind of come around and be willing to try to live a, uh, just, yeah, whether or not you live a healthier lifestyle is up to you, but to just accept this as healthy is kind of unacceptable.

• 38:02Speaker 03

  I never once said healthy. I just said I'm not fat and I'm not skinny.

• 38:06Caleb Hammer?

  Now that we're just on the topic, I just, I really can't allow people out there to, the fat acceptance movement has led to deaths and horrible health insurance premiums for all of us.

• 38:14Speaker 03

  Yeah. That's why I don't have health insurance, because I can't afford it.

• 38:17Caleb Hammer?

  Oh my goodness.

• 38:19Caleb Hammer?

  Oh, [bleep]. Um, that means you also could not afford your mortgage. If you can't also afford your health insurance while having tenants with a mortgage, you cannot afford this house.

• 38:27Speaker 03

  I couldn't afford health insurance when I didn't have a mortgage.

• 38:30Caleb Hammer?

  Then you definitely could not afford getting a house if you couldn't afford health insurance.

• 38:33Speaker 03

  Health insurance is really expensive for me.

• 38:35Caleb Hammer?

  Girl, you make $90,000 a year. You can afford health insurance.

• 38:39Speaker 03

  No.

• 38:39Caleb Hammer?

  Yes! A few hundred dollars a month for like the minimum basic care catastrophic coverage? Yes, you could!

• 38:46Speaker 03

  I can just go to TJ.

• 38:47Caleb Hammer?

  What?

• 38:49Speaker 03

  TJ?

• 38:50Caleb Hammer?

  Max?

• 38:50Speaker 03

  TJ, no, Mexico, Tijuana. It's an hour and a half away.

• 38:54Speaker 07

  I have an affinity for Mexicans. They're like my favorite people. I love Mexico.

• 38:58Speaker 03

  And I just get my medical done there.

• 39:00Caleb Hammer?

  That is not what is, they're, they're not flying you to Tijuana when you have a heart attack because you're a fat-

• 39:05Speaker 03

  Who's flying? You drive.

• 39:06Caleb Hammer?

  You're not driving an hour and a half when you have a fat [bleep] heart attack in a decade.

• 39:13Speaker 03

  Okay.

• 39:13Caleb Hammer?

  No, I'm saying in an emergency, you get in a car crash, in an emergency, you have a stroke, in an emergency, you have a heart attack, a heart attack, I'm talking about catastrophic things.

• 39:23Speaker 03

  Yeah.

• 39:23Caleb Hammer?

  You are not going to Tijuana.

• 39:25Speaker 03

  If I have to, yeah.

• 39:26Caleb Hammer?

  No, no, oh, oh, you're broken, oh, you need health insurance to go see a mental health person, you, you, can you not comprehend what I'm saying right now, you will be rushed to an emergency room and you will be

• 39:38Speaker 03

  Well, if I'm rushed to your emergency room and I'm, I'll just go to Mexico afterwards.

• 39:43Caleb Hammer?

  You, I don't know what to do with you, what is this brain, what is this brain?

• 39:49Caleb Hammer?

  What? I just want to clarify, you don't believe, it is, so you say it's impossible for people to be debt free, want to have $2,000 to debt at all time, you're not fat, and you don't need health insurance, so these are the four pillars of truth that you are basing your entire life on right now.

• 40:11Speaker 03

  Yep.

• 40:13Caleb Hammer?

  So Lindsay, this is Riverside, California, this is, this is what they teach out there?

• 40:18Speaker 03

  I mean-

• 40:19Caleb Hammer?

  In the desert between the two-

• 40:21Speaker 03

  No one teaches you finances out there.

• 40:22Caleb Hammer?

  Well, no one teaches finances anywhere, to be very clear.

• 40:25Speaker 03

  Okay, so then why'd you ask what they teach out there?

• 40:28Caleb Hammer?

  Okay, alright, and I know from the notes, you've also like, just, like, you buy crazy, and like, at one point, you literally just spent 800 bucks, just in one go, it's like, and you're telling me you can't afford health insurance?

• 40:43Caleb Hammer?

  Fuck you, how much do you spend in a month? I have the actual answer, so don't lie.

• 40:47Speaker 03

  Right now?

• 40:47Caleb Hammer?

  Yeah.

• 40:48Speaker 03

  200?

• 40:49Caleb Hammer?

  And you're telling me you can't get catastrophic health insurance coverage?

• 40:52Speaker 03

  No.

• 40:57Caleb Hammer?

  You smoke too much, you have gone-

• 41:00Speaker 03

  I do not smoke too much, I have dropped down a lot on how much I've smoked.

• 41:03Caleb Hammer?

  If you're able to wash this back and comprehend what is happening right now, I need you to realize you smoke too much, you have lost it.

• 41:12Speaker 03

  I do not smoke too much.

• 41:13Caleb Hammer?

  Okay, keep saying that, and we'll see if that makes it true, let's search your state, how much would catastrophic health insurance at the lowest price possible in California cost for a 29-year-old overweight woman who makes 90,000 dollars a year before taxes? Let's shop some rates, shall we?

• 41:39Caleb Hammer?

  I'll never understand that acceptance.

• 41:44Caleb Hammer?

  There's minimum plans by county. Covered California publishes them.

• 41:49Speaker 03

  Covered California screws up your taxes.

• 41:51Caleb Hammer?

  Uh, it publishes minimum plan premiums by county, though. I'm not saying you sign up for and do all that. Lowest minimum shows $211. That's through Kaiser, HMO coin. I'm just talking so you don't get [BLEEP] in an emergency. That's $211, i.e. $11 more than you spent on [BLEEP] on a monthly basis. And you're telling me you can't get health insurance? [BLEEP] you.

• 42:12Speaker 03

  I quoted through Kaiser.

• 42:13Caleb Hammer?

  Irresponsible child.

• 42:15Speaker 03

  I quoted through Kaiser and it came out to $400.

• 42:17Caleb Hammer?

  I just pulled this, you dumb tit.

• 42:18Speaker 03

  I did a personal quote with Kaiser and it came out to $400.

• 42:21Caleb Hammer?

  Yeah, I'm talking about catastrophic coverage, dude.

• 42:26Caleb Hammer?

  You sell insurance for a living. You have no idea what the [BLEEP] you're talking about.

• 42:30Speaker 03

  I don't sell medical insurance.

• 42:31Caleb Hammer?

  You just don't know what the [BLEEP] you're talking about. You know you can get, you can go through different, oh my gosh. Third-party platforms and one, uh, in California is very helpful when it comes to health insurance. Okay, what do you think your financial score is? Zero to 10, zero being absolutely horrible, 10 being absolutely incredible.

• 42:51Speaker 03

  I think I'm like a good six, seven.

• 42:59Caleb Hammer?

  I hate you.

• 43:00Speaker 03

  Thank you.

• 43:00Caleb Hammer?

  If you want your financial score, get it at CalebHammer.com. See where you stand in the world of money. It is free, only takes a few minutes. You see where you're doing well, where you're doing poorly, what you need to do to improve will help you. So take it for free at CalebHammer.com. And if you don't want to be like a guest who ends up on the show, obviously you're gonna need a lot more than this for this type of guest, but make sure you download the Dollar Wise Budget app. New features being added every single month. It is literally incredible with tens of thousands of monthly active users for a reason who are changed in their life. Join them, sign up for the free trial, see if you like it. Most people take the annual version because it saves about 50%. And when you do, only through March, I will personally send my budget-friendly cookbook mail directly to your door. After March, it's gone forever. Gone forever, Aaron Hernandez. Can't be purchased, can't be anything.

• 43:45Caleb Hammer?

  So make sure you sign up, DollarWise.app. All right. Let's jump into these finances, shall we? Freedom card, what's going on?

• 43:54Speaker 03

  Ah, the freedom card, that is the card that I would use for all my daily expenses.

• 44:00Caleb Hammer?

  Would?

• 44:00Speaker 03

  Yes, would.

• 44:01Caleb Hammer?

  I, you didn't just purchase $2,437.62 on it?

• 44:07Speaker 03

  Did I? Oh, well, yeah, I went Christmas shopping for my family.

• 44:17Caleb Hammer?

  Why is that more important than your entire future and the goals you're trying to do for yourself? You don't have children, so you don't have to take care of them. You don't have to give them a Christmas. What the are you buying for? Not required, not in any way whatsoever. What are you doing? What Christmas are you buying for? Who are you buying for, you?

• 44:34Speaker 03

  I bought for my mom, my dad, brother, my sister, my mom, niece.

• 44:39Caleb Hammer?

  That's all stupid. That's all stupid. They don't matter. Nisa Allah may be a gift.

• 44:43Speaker 03

  Don't be disrespectful now.

• 44:44Caleb Hammer?

  Being disrespectful? Absolutely. I don't care for you. Who are you? I'll be disrespectful? You know what your savings account at a traditional bank is doing for you? Absolutely nothing. It's basically a storage unit with worse rent. That is why I partnered with Chime, who is offering up to a $350 bonus right now. Their high-yield savings account earns up to 3.5% APY, which is over eight times the national average. Let me make this real. $10,000 in your old regular savings account, maybe just 40 bucks in interest a year, with Chime, you're looking at around $350. That is a weekend trip or like six tanks of gas. And there's no monthly fees, no minimum balance fees, and you can access your money whenever, which is great because I'm using mine to build an emergency fund and I'd rather not have to solve a riddle to touch it.

• 45:27Caleb Hammer?

  It just takes a few minutes to sign up and with automatic savings tools like roundups and direct deposit splits, it's like a set it and forget it money move. Oh, and Time lets you get your paycheck up to two days early, so your bank's dragging its feet, but Chime has already moved on. But the best part, right now you can get up to $350 with the new Chime account when you sign up at chime.com/kaleb. The new year is right around the corner, so get it done before then. You can scan the QR code on screen or go to the link below or chime.com/kaleb. Let's get to the show. Wanna know a dirty little secret? And now, I'm not starting an only You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking.

• 46:11Caleb Hammer?

  And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get six to try for free plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. My show.

• 46:34Speaker 03

  Okay, Ant?

• 46:36Caleb Hammer?

  I'm being disrespectful. The fact is, you do not need to buy your mother and father and cousin and sister and all these dumbass motherf- Gifts.

• 46:48Speaker 03

  I know I don't need to.

• 46:53Caleb Hammer?

  Why'd you do it?

• 46:54Speaker 03

  Cause I wanted to.

• 46:55Caleb Hammer?

  So that's more important?

• 46:57Speaker 03

  It felt more important.

• 46:58Caleb Hammer?

  Felt more important?

• 46:59Speaker 03

  Mm-hmm.

• 47:00Caleb Hammer?

  Well.

• 47:00Speaker 03

  Mm-hmm.

• 47:01Caleb Hammer?

  If it is, then it's more important and the conversation is done. And that's fine. Listen.

• 47:06Speaker 03

  I-

• 47:07Caleb Hammer?

  I will accept any- I know the holiday. It happens every year. It's not a surprise that pops up.

• 47:13Speaker 03

  It's not something that happens every single month.

• 47:15Caleb Hammer?

  But something happens every single month. And the fact is, the credit with where you are in your debt with the month before this, with the month now, your debt's staying about the same. There's always a replacement. Next month will be a vacation. Like, that's what's always gonna happen. Christmas is not a surprise. This isn't something that, oh, it's Christmas. Like, you intentionally did this and it happens every year. It's gonna happen all the years for the next couple decades that you stay alive because you're fat. And no longer than that. It will always be there.

• 47:45Speaker 03

  I don't think it will always be there.

• 47:46Caleb Hammer?

  Christmas will not always be there?

• 47:47Speaker 03

  It's cause I don't do Christmas.

• 47:49Caleb Hammer?

  Wait, what? Come on!

• 47:51Speaker 03

  I don't do Christmas like everybody, okay? I don't buy gifts once a year. I buy gifts every two years. And this was the year of gifts.

• 48:00Caleb Hammer?

  What are you even talking about? That is a you thing. You do not have to be a complete moron.

• 48:05Speaker 03

  I know it's a me thing. I never said it wasn't.

• 48:07Caleb Hammer?

  But you don't have to.

• 48:08Speaker 03

  I know I don't have to.

• 48:09Caleb Hammer?

  Then why excuse that?

• 48:12Speaker 03

  Because that's what I want to do for the people that I love.

• 48:14Caleb Hammer?

  Fuck them.

• 48:15Speaker 03

  No, they care for me and they help me, so.

• 48:17Caleb Hammer?

  Yeah, you can help them in so many different ways and what do you, you can give, oh my gosh. Listen, you can do thoughtful things that don't require thousands of dollars spent. They get you away from your goal when you're barely even able to cover your own mortgage.

• 48:27Speaker 03

  And sometimes I do those.

• 48:28Caleb Hammer?

  And your debt's only getting worse and worse and worse and worse.

• 48:30Speaker 03

  And sometimes I do those things.

• 48:31Caleb Hammer?

  And that's what you should have done. How much did you spend on Christmas?

• 48:33Speaker 03

  Um, probably those thousand something Christmas, yeah.

• 48:42Caleb Hammer?

  No, but, but no, no, no. On this card alone, you spent $2,437.62.

• 48:46Speaker 03

  Yeah, there's, um, other charges on there.

• 48:52Speaker 03

  Then, other than Christmas gifts.

• 48:53Caleb Hammer?

  If you only make your minimum payments and you do-

• 48:55Speaker 03

  Which I don't.

• 48:58Caleb Hammer?

  And you do not purchase, which you're incapable of, how long would this take to pay off this card?

• 49:06Speaker 03

  If I just do the minimum payment?

• 49:07Caleb Hammer?

  And no purchasing of which you're incapable of $110.

• 49:10Speaker 03

  $110.

• 49:11Caleb Hammer?

  Doesn't matter that you put a little more towards it. You put 400 because you spent 2,500, so shut the fuck up. If you only make your minimum and you do not purchase of which, again, you are incapable of, what then? And how long would it take to pay off?

• 49:26Speaker 03

  Uh, well, I don't know. What's 110 divided by 4,000?

• 49:31Speaker 03

  Because that's how long it would take me to pay it off.

• 49:33Caleb Hammer?

  How long do you think?

• 49:34Speaker 03

  I'm not doing math in my head.

• 49:36Caleb Hammer?

  Girl, my goodness, I'm just trying to see your assessment of your financial situation.

• 49:40Speaker 03

  I don't know, maybe a year.

• 49:41Caleb Hammer?

  Of where your brain's at.

• 49:41Speaker 03

  Maybe a year.

• 49:42Caleb Hammer?

  Okay, it takes 14 years. The rest of your lifespan.

• 49:46Speaker 03

  How would it take 14 years?

• 49:49Speaker 03

  I don't ever pay minimum payments, so that's fine.

• 49:52Caleb Hammer?

  It doesn't matter when you purchase, uh, literally, what was it, five times what you put towards it? You purchased five times what you put, I don't care if you put more than your minimum payment. If you put five times what you paid towards it, it doesn't matter.

• 50:04Speaker 03

  I don't always put that much. It just happened to be that much because of Christmas.

• 50:07Caleb Hammer?

  Goodness, you said you only spent a thousand on Christmas. So, so then you would have spent an extra 1,437 outside of Christmas anyway, when you only put 458 towards it. So shut up. You still put three times, no, no, no, no, no, no, no, yeah, yeah. Three times what you put towards it on bullshit that was outside of Christmas. So what are you talking about?

• 50:28Speaker 03

  It wasn't bullshit. It was things that I needed.

• 50:30Caleb Hammer?

  Your balance is over the credit limit, you f- Ah, is it that important?

• 50:36Speaker 03

  It was to me.

• 50:37Caleb Hammer?

  That is because we've already established you are a broken individual who needs to seek mental health care immediately. It's all bullshit. It's literal all bullshit. You, you are, you are insane. TikTok shop, which casket? What are we doing? What are we doing? Google microphone? Shut the f- up. What is microphone?

• 50:59Speaker 00

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• 51:28Speaker 03

  It's a game.

• 51:30Caleb Hammer?

  Doing?

• 51:32Speaker 03

  Uh, it's called Gossip Harbor.

• 51:34Caleb Hammer?

  And?

• 51:34Speaker 03

  It's a little game on my phone. You just make-

• 51:36Caleb Hammer?

  What do you do?

• 51:37Speaker 03

  You just make what they ask of, like, the cus- there's, like, people, they ask of things. You have to make them and create things to unlock things.

• 51:43Caleb Hammer?

  And you pay for this?

• 51:45Speaker 03

  I paid as a distraction.

• 51:47Caleb Hammer?

  What were you distracting yourself from?

• 51:49Speaker 03

  My grandfather passed away.

• 51:51Caleb Hammer?

  Well, that is sad.

• 51:52Speaker 03

  So I use the game as a mental block. Normally, I can only-

• 51:55Caleb Hammer?

  Do you not have a therapist? Do you not have friends? Do you not have a support system? Because you need more healthy coping mechanisms than destroying your entire life because something truly sad happened.

• 52:04Speaker 03

  I do have a therapist. I do speak to my friends.

• 52:06Caleb Hammer?

  Then what the f- are you doing? Because destroying your entire life because something, again, I will say, is very sad and I'm sorry that happened, but you do not destroy your life because of it because then you have double bad.

• 52:16Speaker 03

  It was-

• 52:16Caleb Hammer?

  It makes it extra hard.

• 52:18Speaker 03

  It was definitely a difficult moment for me and I fell into the just wanting to block out my brain. So that's what happened. Because normally when I play the game, I only play it-

• 52:28Caleb Hammer?

  Shia helix iris, what's that?

• 52:29Speaker 03

  What is what I'm saying?

• 52:30Caleb Hammer?

  Shia helix iris? Hell, Shia helix iris? S I A H E L I X I R S?

• 52:39Speaker 03

  Ah, it's, uh, body oils. Anointing body oils.

• 52:44Caleb Hammer?

  For f- what?

• 52:48Speaker 03

  Witchcraft.

• 52:48Caleb Hammer?

  Are you actually all into that shit?

• 52:50Speaker 03

  Yes. I am a witch.

• 52:51Caleb Hammer?

  It's not just for fun?

• 52:52Speaker 03

  No.

• 52:55Speaker 03

  It runs in my family.

• 52:57Caleb Hammer?

  What?

• 52:57Speaker 03

  Yes, it runs in my family. I have aunts that, you know, do cleansings and see dead people and um.

• 53:04Caleb Hammer?

  They see dead people?

• 53:05Speaker 03

  Yeah. Um, we lived in a haunted house. My mom saw them. Uh, my brothers played with them. Um, I carry ghosts with me. Uh, yeah, I'm very into this. This is, yeah. It's in my blood. It runs in my family.

• 53:19Speaker 08

  Uh, bruh, I'm gonna have to level with you. This bitch don't look right.

• 53:25Speaker 03

  I'm gonna let you process that.

• 53:27Caleb Hammer?

  Okay, and peacock?

• 53:30Speaker 03

  I canceled my peacock subscription.

• 53:31Caleb Hammer?

  You better f***ing have, because it's pointless. It's stupid. Uber Eats, more TikTok shop, Uber Eats, Microphone again. There's the mobile app game. TikTok shop, Microphone, Disney Plus, Microphone, TikTok shop, TikTok shop, TikTok shop, TikTok shop.

• 53:46Speaker 03

  TikTok shop was Christmas shopping?

• 53:48Caleb Hammer?

  I don't go on to wish Christmas. That, that, that shit scares me.

• 53:51Speaker 03

  Why? It's not scary.

• 53:53Caleb Hammer?

  Oh, because you could do something bad to me.

• 53:54Speaker 03

  Why would I do something bad to you?

• 53:56Caleb Hammer?

  I hope you don't.

• 53:57Speaker 03

  That's not, there's different ways of practicing.

• 54:00Speaker 07

  Oh yeah, Jack and Crack Witch Week, let's do this!

• 54:03Speaker 03

  Okay, there's people that do that and that, they want to work with that. That's their deal. They want to do that. I don't touch that stuff. I work in light. I work in protection.

• 54:10Caleb Hammer?

  Do something bad to Brandon.

• 54:11Speaker 03

  No, I don't do that stuff.

• 54:13Caleb Hammer?

  No, do something bad to him. He's nasty.

• 54:15Speaker 03

  Whatever you put out to the universe comes back to you, even if you assist with it. So I don't touch that kind of stuff. I only do what, helping, protecting and cleansing. That's all I deal with.

• 54:23Caleb Hammer?

  Four more TikTok shops, Microphone again, Spotify, Microphone, Microphone, Microphone, Microphone! Uber Eats, Uber Eats, ninety-four dollars, ninety-five cents there. Microphone, TikTok shop! That late fee this year so far and hundreds in interest. Hundreds in interest!

• 54:39Speaker 03

  Yeah. That's my, that's my bad card.

• 54:42Caleb Hammer?

  It's your bad card? Why, why would you even allow there to be a bad card? Okay, use the Fizz card, debit card that builds credit. A lot of people out there use it who are not credit card people helps benefit their credit because you care about your credit. I would just do that instead of this closes. You can't have access to it. You're broken. Um, uh, I mean, you already have a good career. I'll, I'll get you a course career certification as well. It's an extra tool. Um, a lot of people out there use it as well.

• 55:07Caleb Hammer?

  But, um, you already have a good career. There is a sales one in there, could help you. Turn it around because you're starting to fail. 27.49% interest rate. Listen. $964 on TikTok shop is actually insane. What the is wrong with you? Pull up your TikTok shop.

• 55:24Speaker 03

  It was Christmas.

• 55:24Caleb Hammer?

  Pull up your TikTok shop.

• 55:26Speaker 03

  It was Christmas.

• 55:26Caleb Hammer?

  Pull up your TikTok shop now. Christmas, you're a witch.

• 55:29Speaker 03

  Yeah, and?

• 55:30Caleb Hammer?

  Do they celebrate Christ?

• 55:31Speaker 03

  Does my family? We don't, yeah. What are you talking about?

• 55:35Caleb Hammer?

  I think witchcraft is very against the Bible.

• 55:37Speaker 03

  No, it's in the Bible.

• 55:39Caleb Hammer?

  Uh.

• 55:43Caleb Hammer?

  Is the Bible in favor or anti witchcraft?

• 55:48Speaker 03

  No, the Bible is witchcraft.

• 55:49Caleb Hammer?

  What?

• 55:50Speaker 03

  Yeah.

• 55:50Caleb Hammer?

  Um, you shall not permit a sorceress to live. Exodus 22, 18. Let no one be found among you who practices divination or sorcery. Anyone who does these things is detestable to the Lord. Deuteronomy 18 something. I will be swift to testify against sorcerers. Um, there's actually quite a lot.

• 56:14Speaker 03

  Yeah.

• 56:15Caleb Hammer?

  The acts of the flesh are obvious. Adultery and witchcraft. The cowardly and unbelieving, those who practice magic arts, will be co-assigned to the lake of fire. That doesn't sound very good. I don't like the lake of fire, wherever that is. Not a place I want to visit.

• 56:30Speaker 03

  That's not my fault. They wrote their book against the things that they do.

• 56:32Caleb Hammer?

  Well, I'm just saying.

• 56:33Speaker 03

  They do rituals, they do blood rituals.

• 56:35Caleb Hammer?

  Ah, of humans?

• 56:37Speaker 03

  No, the drinking the body and the blood of Christ is a blood ritual.

• 56:41Caleb Hammer?

  Oh.

• 56:42Speaker 03

  Like, it is witchcraft.

• 56:43Caleb Hammer?

  I don't know if they qualify that as that, but the witchcraft that you do.

• 56:46Speaker 03

  Because it goes against their little book.

• 56:47Caleb Hammer?

  Well, I just thought you said you were in that. If you're not, it's okay. I don't care.

• 56:50Speaker 03

  The Bible is different from Christ. I believe religion and God are two separate things.

• 56:56Caleb Hammer?

  Oh. Listen, I mean, I don't care what you believe either way. I was, the hilarious confliction of witchcraft and that is very interesting.

• 57:08Caleb Hammer?

  Okay, I don't even know what the shit is. Okay, you got like a cord cover, very important.

• 57:14Speaker 03

  Oh, that was for the oven.

• 57:15Caleb Hammer?

  These little soft fluffy things. Uh, oh, start a screen recording, please.

• 57:23Speaker 03

  Oh.

• 57:26Caleb Hammer?

  Well, chat can know.

• 57:29Caleb Hammer?

  You're purchasing. You want just the meteor or the mic? Oh, just media, I guess.

• 57:35Caleb Hammer?

  Almost a thousand dollars. It's crazy. It's crazy. It's crazy.

• 57:43Caleb Hammer?

  Eight percent of the cost. Eight percent of the cost for what you just did here. You could have signed up for our Master your Money program.

• 57:50Caleb Hammer?

  With all of our classes, premium version of the budgeting app. And you could have actually changed your life, like literally tens of thousands of people. But yet you just do TikTok shop. This is crazy. It was Christmas shopping. Value of things out there that can actually benefit you versus just fucking around. Okay, and some bullshit. Eminem jewelry bullshit. Gingerbread on a plate jewelry stupid. Some cloths. Chick quality boost hair nasty ass shit. More hair shit. Some towels, a fake rose and other cord hider.

• 58:26Caleb Hammer?

  A drinky sippy cup that is glass and is a teddy bear. A jewelry holder, I think, maybe? A bag, another bag. A fan, electric handheld fan, foot cream. You know what this is? You're just getting the most random bullshit that I've just. You need to live a simple life, dude. This is so fucking overcomplicating everything. Pens, okay, that's not the end of the world. But you go crazy. What like, what even are these? I don't know what you're looking at. Vac bird.

• 58:58Caleb Hammer?

  What are they? Oh. Let's travel vacuum bag set. Okay? Yeah, I needed that for my trip. No, you don't. Shut the fuck up. Another bag of some kind, some chips, I think. A Nirvana shirt, a sweatshirt, a book. Oh, my gosh. An app, a your sister shirt? What the fuck are we doing? Christmas shopping.

• 59:23Caleb Hammer?

  Cleaning planner because everyone has ADHD. TikTok. TikTok brain. Oh, I don't have ADHD. Gloves, great. Another book thing, some shoes. A cleaning bullshit, some sunglasses. Oh, my gosh, this is all bullshit. What is that? Is that a belly button piercing? I don't know. Girl. What is it? Just lose weight. We don't need to focus on that.

• 59:48Caleb Hammer?

  No one should be seeing that shit anyway.

• 59:51Caleb Hammer?

  Unless you lose weight. Okay.

• 59:55Caleb Hammer?

  That's a mess. I barely even went through your TikTok shop and that was a **** mess. The balance on this is horrendous. Sapphire Prefer, what the **** are you doing?

• 1:00:06Speaker 03

  So the Sapphire, um,

• 1:00:11Speaker 03

  has my Europe trip on it.

• 1:00:12Caleb Hammer?

  Oh my goodness. When? When? When?

• 1:00:16Speaker 03

  When do I go to Europe?

• 1:00:17Caleb Hammer?

  You haven't yet?

• 1:00:18Speaker 03

  No, I go in April.

• 1:00:21Caleb Hammer?

  What did this cost? You animal. You beast of a creature. You can't even pay your **** mortgage.

• 1:00:27Speaker 03

  I paid nine thousand.

• 1:00:28Caleb Hammer?

  Nine thousand?

• 1:00:29Speaker 03

  Mm-hmm.

• 1:00:30Caleb Hammer?

  For what?

• 1:00:31Speaker 03

  For thirty-five days around Europe.

• 1:00:32Caleb Hammer?

  Ah, where are you going?

• 1:00:34Speaker 03

  Uh, Barcelona, Amsterdam, London, Germany, Rome, Athens.

• 1:00:40Caleb Hammer?

  How can you even take that much time off of work?

• 1:00:43Speaker 03

  Because I can?

• 1:00:44Caleb Hammer?

  Should you? It's all commission-based.

• 1:00:46Speaker 03

  I get hourly too.

• 1:00:48Caleb Hammer?

  Yeah, but you know, that's tiny.

• 1:00:49Speaker 03

  I mean, yeah, but I'll still have it.

• 1:00:51Caleb Hammer?

  Yeah, but you don't, you already can't pay your mortgage and then you're spending eight thousand hours on an interest-bearing card to Europe, which means by the way, you already had an extra six thousand on here, seven thousand on here. That's crazy. And then you're gonna throw away your income for a whole month and a week? Why?

• 1:01:11Speaker 03

  It's my thirtieth birthday, get to myself.

• 1:01:12Caleb Hammer?

  Thirtyth birthday. I already turned thirty. No one gives a ****. No one cares. No one cares. The only people that care about birthdays are in your community, the quinceanera. What is that? No one gives a **** about thirty. Nothing happens. You don't need to blow eight thousand hours that you definitely cannot afford and also take away from your income that you cannot afford. No one gives a ****.

• 1:01:31Speaker 03

  To be fair, I paid for Europe, well, I purchased the trip two years ago. I booked my trips two years in advance. So.

• 1:01:39Caleb Hammer?

  Pause. Fuck you. Number two, you've had this balance on here for two years?

• 1:01:45Speaker 03

  No.

• 1:01:45Caleb Hammer?

  So what the **** are you talking about? Shut the **** up.

• 1:01:47Speaker 03

  I just didn't have to charge it until.

• 1:01:49Caleb Hammer?

  So it's not purchasing that you?

• 1:01:51Speaker 03

  It is purchase. Everything is set to go. The only thing is you just have to make the initial payment and then afterwards you just have to pay off the balance.

• 1:01:57Caleb Hammer?

  What was the initial payment?

• 1:01:58Speaker 03

  Seven hundred bucks.

• 1:02:00Caleb Hammer?

  No. You put it down, payment down. You're a little ****. Twenty-four years. Twen- this is, that's, that's like a third of a life.

• 1:02:09Speaker 03

  I don't, I really don't.

• 1:02:10Caleb Hammer?

  About a half a life for the lifestyle you live.

• 1:02:11Speaker 03

  Yeah, well, I don't ever pay the, just the minimum balance, so I've never actually had debt that long.

• 1:02:15Caleb Hammer?

  Shut the **** up with that. And also, yes, you only pay the minimum balance.

• 1:02:19Speaker 03

  Oh, on that one? Yeah.

• 1:02:22Caleb Hammer?

  Shut the fuck up.

• 1:02:23Speaker 03

  It's because I'm doing the snowball right now, so that one only gets-

• 1:02:25Caleb Hammer?

  Snowball?

• 1:02:26Speaker 03

  Yeah.

• 1:02:26Caleb Hammer?

  Snowball?

• 1:02:28Speaker 03

  Yeah.

• 1:02:29Caleb Hammer?

  You snowball. What snowball are you snowballing? You look like a f-ing brown snowball, f-ing shit snowball rolling down a hill.

• 1:02:37Speaker 03

  Literally are dressed like a snowball.

• 1:02:39Caleb Hammer?

  What are you talking about, snowball? No snowball method in any world whatsoever has you spend $2,500 just because, "Oh, Christmas and TikTok shop happen, snowball." Fuck your snowball. You've never heard of a snowball? You don't know what a snowball is? You've never seen a snowball. Fuck you. You live in the desert. Shut the fuck up, snowball.

• 1:02:58Speaker 03

  I've done it twice.

• 1:02:59Caleb Hammer?

  Snowball method? Fuck you. Obviously, ineffectively, because you're here today. None of it matters if where you are today is- Kay? Kay? Kay? I don't give a f- huh? Piece of shit. What are you talking about, snowball? No snowball method, which there's only one snowball method, it's called the snowball method, suggests spending $2,500 on an interest-free credit card when you only put $400 towards a snowball. What are you talking about? Fuck you. What? You're not snowballing. Never say that again in your life.

• 1:03:31Speaker 03

  That is what I'm doing.

• 1:03:32Caleb Hammer?

  No, objectively, no. That is not the snowball method you-

• 1:03:35Speaker 03

  Look, just because I spent money on Christmas doesn't mean that's not what I was doing prior to that, alright? Just because I spent that much for Christmas doesn't mean that's what I was doing prior to that.

• 1:03:42Caleb Hammer?

  Doesn't matter. That's not the snowball method.

• 1:03:44Speaker 03

  But that is what I'm doing, so-

• 1:03:45Caleb Hammer?

  If you cancel your trip, will it-

• 1:03:47Speaker 03

  I'm not canceling my trip.

• 1:03:48Caleb Hammer?

  If you cancel your trip, would it? Would you get your money back? How would it work?

• 1:03:51Speaker 03

  I don't know, because I'm not doing it.

• 1:03:53Caleb Hammer?

  Why?

• 1:03:53Speaker 03

  So I never looked into it.

• 1:03:54Caleb Hammer?

  Who cares? Do it where you can afford it.

• 1:03:56Speaker 03

  No, I want to do it now.

• 1:03:57Caleb Hammer?

  You're gonna be single forever anyway, so it doesn't matter.

• 1:03:58Speaker 03

  I want to do it now.

• 1:03:59Caleb Hammer?

  You can do whatever you want to do, and I don't give a f about what you want. There's needs. You can barely take care of your needs. You need an income.

• 1:04:05Speaker 03

  My needs are met, which is-

• 1:04:07Caleb Hammer?

  Your needs are barely not met. And one person leaves in the traveling nursing brigade and you're-

• 1:04:11Speaker 03

  Not really.

• 1:04:12Caleb Hammer?

  Yeah, alright.

• 1:04:13Speaker 03

  It's happened already, so-

• 1:04:14Caleb Hammer?

  And you got f you and did tat you- What are you talking about? Shut the fuck up. Snowball.

• 1:04:18Speaker 03

  Yeah, I'm not canceling Europe. I'm going to Europe. It's my 30th birthday. It's my gift to myself.

• 1:04:22Caleb Hammer?

  Here, if you're not willing to make any sacrifices whatsoever, why am I wasting my time with you?

• 1:04:26Speaker 03

  I am willing to make sacrifices. I'm just not canceling that trip.

• 1:04:28Caleb Hammer?

  Seems like the pretty basic sacrifice.

• 1:04:32Speaker 03

  No, I mean, like, yeah, no, like, I'm not gonna do any more traveling after for a while.

• 1:04:36Caleb Hammer?

  Says every person that's addicted to endlessly doing the thing that they do four times a year. Shut the up. Not traveling, snowballing, shut up. People can't live debt-free. Shut up. Not fat. Shut up. You don't know what you're talking about. You don't live in reality. Shut up.

• 1:04:51Speaker 03

  I don't live in your reality.

• 1:04:52Caleb Hammer?

  What? I'm just in reality. What am I saying that is not real?

• 1:04:56Speaker 03

  All of it, so?

• 1:04:57Caleb Hammer?

  Good one. Got me. Nailed it.

• 1:04:59Speaker 03

  I am doing the snowballing. I am gonna stop traveling. I don't consider myself fat. So, I mean, all of it. Like, what did you?

• 1:05:07Caleb Hammer?

  The entire medical community considers you overweight, almost obese, soon to be. And that's if you even told me your correct weight, which, women.

• 1:05:20Speaker 03

  So.

• 1:05:21Caleb Hammer?

  How can we just say that that is not the case? Again, medical definition. Or BMI is perfect? No, but you, come on. It's not like you got muscle.

• 1:05:30Speaker 03

  Okay.

• 1:05:30Caleb Hammer?

  Okay.

• 1:05:33Speaker 03

  But yeah, I'm not canceling that trip.

• 1:05:34Caleb Hammer?

  Well, I'm being told you needed additional 2,500 hours in spending money to go across.

• 1:05:38Speaker 03

  Uh, that is the goal, yes.

• 1:05:41Caleb Hammer?

  And how are you doing that?

• 1:05:43Speaker 03

  Uh, my dad's giving me 500 for now. Yeah, I am spoiled. I'm aware of it.

• 1:05:47Caleb Hammer?

  Enabled. Disgusting.

• 1:05:49Speaker 03

  Very much so.

• 1:05:49Caleb Hammer?

  You'll never get anywhere in life. Continue.

• 1:05:51Speaker 03

  Being blessed.

• 1:05:52Caleb Hammer?

  No, it's called getting enabled.

• 1:05:54Speaker 03

  It's called being blessed.

• 1:05:55Caleb Hammer?

  Nope. Keep going. Where's the other coming from?

• 1:05:57Speaker 03

  Um.

• 1:05:58Caleb Hammer?

  Again, can't pay your bills.

• 1:06:00Speaker 03

  Waiting for my travel bonus. Seeing what that is.

• 1:06:03Caleb Hammer?

  Travel bonus?

• 1:06:04Speaker 03

  Mm-hmm.

• 1:06:04Caleb Hammer?

  What travel bonus?

• 1:06:06Speaker 03

  The bonus that I get that helps pay for my travels.

• 1:06:12Caleb Hammer?

  What? They're giving you a bonus for your vacation? Or what travels are you talking about?

• 1:06:15Speaker 03

  So I get paid based on the sales for the year. I get a paid travel bonus.

• 1:06:19Caleb Hammer?

  Do you travel for your job?

• 1:06:20Speaker 03

  No, it's like

• 1:06:21Caleb Hammer?

  What?

• 1:06:22Speaker 03

  It's what my boss gives us.

• 1:06:24Caleb Hammer?

  This is the annual bonus?

• 1:06:25Speaker 03

  No.

• 1:06:30Speaker 09

  What happened?

• 1:06:31Caleb Hammer?

  Well, my first attempt at building a budgeting app, it didn't go over very well. So I'll rewind. After hundreds of financial audigues, one pattern stood out. People weren't failing because they try. They were being handed crappy tools that weren't built for real life. So I tried to see if I could fix it. In January last year, 2025, I launched an app driven by the belief that budgeting shouldn't feel complicated or intimidating. I had good intentions, but the first app was a complete dumpster fire. I was trusting the wrong developer, and that partner cost us thousands and left my customers with the buggy app that only kind of worked. And that failure forced me to ask a question that I couldn't avoid.

• 1:07:14Caleb Hammer?

  Do I walk away or do I try again? Ultimately, I chose to double down and commit to building a new app the right way. Myself and an incredible team. Every dollar that I made from YouTube went straight back into the product. No investors, no shortcuts, just the belief that I could change lives with a better approach. So we rebuilt the app again and again. Thirty-eight different versions in total. I obsessed over every single detail that most people wouldn't ever notice. And that's because if this app was going to go live, it had to work for real people with real lives. So everyone who stuck with me and my team shared their feedback and believed in what we're doing. Thank you. You helped shape what this has become.

• 1:07:59Caleb Hammer?

  This is my vision for the future of budgeting, and I'm just getting started. Dollar Wise 6.0 is finally launching on February 17. Rewrite your money story. Learn more at dollarwise.com. We're so fucking back. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use. And you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of your money that you transfer over.

• 1:08:42Caleb Hammer?

  And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only $5, but with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. What the fuck are you talking about, dude? How much was the last year of your travel bonus?

• 1:08:58Speaker 03

  Last year's, we did, uh...

• 1:09:01Caleb Hammer?

  We did?

• 1:09:01Speaker 03

  3,500. Uh, yeah, I was trying to think of what level we hit. So it was 3,500.

• 1:09:07Caleb Hammer?

  Okay, it sounds like it's just an extra bonus for hitting some kind of company goals.

• 1:09:12Caleb Hammer?

  Dude, literally, all that hit your account last month was 2,646.

• 1:09:19Caleb Hammer?

  What the?

• 1:09:20Speaker 03

  What is that? The Freedom One or what are you looking at?

• 1:09:23Caleb Hammer?

  No, that was all that hit your checking accounts. That was your entire income source.

• 1:09:26Speaker 03

  Oh, it doesn't have the other check, that's why.

• 1:09:28Caleb Hammer?

  Why would it not have the other check, that's why?

• 1:09:31Speaker 03

  Because it doesn't show up on that statement because of when I get paid. I don't know.

• 1:09:34Caleb Hammer?

  Why, that's an entire month's worth. You should have it within there, even the previous month.

• 1:09:38Speaker 03

  No, because when I sent in the documents, I got paid the next day.

• 1:09:40Caleb Hammer?

  Then why would it not have the previous month's pay then?

• 1:09:43Speaker 03

  I don't know. That's the statement that it came out.

• 1:09:45Caleb Hammer?

  What hit the next day?

• 1:09:46Speaker 03

  Uh, the next day was, uh, 2,353.

• 1:09:50Caleb Hammer?

  Great, so you've made a total of 5,000.

• 1:09:52Speaker 03

  Yes.

• 1:09:53Caleb Hammer?

  How much did you spend within that same period? What was the outflow?

• 1:09:56Speaker 03

  I don't know, honestly.

• 1:09:57Caleb Hammer?

  Okay, how about you guess? Just based on the lifestyle that you lived. Do you not know how this works? I know you've seen the show. Oh my goodness.

• 1:10:05Caleb Hammer?

  I know I'm being cranky, but she's seen the show.

• 1:10:09Speaker 03

  Isn't it 40, 60?

• 1:10:12Caleb Hammer?

  Too much weed, too much weed.

• 1:10:14Speaker 03

  What, like 600?

• 1:10:15Caleb Hammer?

  Okay, huh?

• 1:10:16Speaker 03

  Maybe like 600?

• 1:10:17Caleb Hammer?

  Lindsay, I think, I think you have found financial audit.

• 1:10:22Speaker 00

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• 1:10:51Caleb Hammer?

  It's most guess, can that be the title? Yeah, financial audits most guess, we might get canceled for it, but I think that is the actual title. Put it in the notes. That is the title. It's official. Financial audits most guess. I mean, it's just like, you're broken. Like, it was $8,000.

• 1:11:07Speaker 03

  Oh, it wasn't, was it really?

• 1:11:09Caleb Hammer?

  Just stay in Europe. You belong with them.

• 1:11:14Caleb Hammer?

  Interest is growing like crazy. Plan fee for a ticket at World thing you did. Oh, my goodness, $574 fees this year. I don't know if they're purchase fees, late fees, whatever, but it's insane with almost 1,000 in interest. What the are we doing? You've had fees up the dick. Why are you missing payments most likely? What are you doing?

• 1:11:33Speaker 03

  Not missing payments.

• 1:11:33Caleb Hammer?

  You probably are.

• 1:11:34Speaker 03

  No, not, I've missed not one payment.

• 1:11:36Caleb Hammer?

  That is way too much. That is not just the annual fee.

• 1:11:38Speaker 03

  Um, it's the annual fee plus the fees for the payment plan.

• 1:11:43Caleb Hammer?

  Two bucks a month. How many payment plans have you had?

• 1:11:45Speaker 03

  I think on that card, there was a total of six.

• 1:11:48Caleb Hammer?

  Oh, my goodness. Why? Why do you want to live that life where you just lose money? You make money, you could purchase things in just debit instead of pay. Why pay an extra 30% on everything? I just don't understand.

• 1:12:02Speaker 03

  Uh, it was the cheaper option instead of letting it.

• 1:12:04Caleb Hammer?

  It's 30% extra.

• 1:12:05Speaker 03

  But it was cheaper when the payment plan, because the interest was less.

• 1:12:09Caleb Hammer?

  Fees, okay, why pay an extra 15% on something you're buying? Why go to McDonald's if they're like buy something and choose an option where it costs 15% more? Cause that's what you are doing when you.

• 1:12:19Speaker 03

  I get points back.

• 1:12:20Caleb Hammer?

  Oh, my goodness. Okay, great. It's a 13% more then.

• 1:12:25Caleb Hammer?

  Why still do that? What's your logic? Yeah, okay, the two points are like two to 4%. But you're still losing 15.

• 1:12:32Speaker 03

  But I've used the points multiple times to help pay off the credit cards.

• 1:12:35Caleb Hammer?

  Okay, I'm about to give up. Let's keep going, cuz I'm gonna.

• 1:12:44Caleb Hammer?

  Oh, the balance is so big. Bank of America, what is going on, lady? Tell me.

• 1:12:51Speaker 03

  Uh, Bank of America is a water filtration system and some.

• 1:12:57Caleb Hammer?

  Home ownership. Every single person that gets on the show that can't afford a home immediately gets a wat- water filtration. 27 years to pay this off, by the way. With $109 a month, you're ruined. Good luck, water filtration. What's wrong with your desert water?

• 1:13:13Speaker 03

  A lot is wrong with the desert water.

• 1:13:15Caleb Hammer?

  Buy the fucking house then. Couldn't afford it, stupid.

• 1:13:19Speaker 03

  I can afford it.

• 1:13:19Caleb Hammer?

  Yeah, sure.

• 1:13:22Caleb Hammer?

  Incredible argument. With fees of $438 this year so far.

• 1:13:28Caleb Hammer?

  Promotional APR, it's gonna be 25.74%, but that ends in?

• 1:13:33Speaker 03

  August.

• 1:13:34Caleb Hammer?

  Wow, you actually know something. That's kinda crazy. Why'd you know that?

• 1:13:38Speaker 03

  Cuz I know when the zero interest runs out on all my cards.

• 1:13:40Caleb Hammer?

  Well, it's the one thing you track. No, that's horrible, but I'm glad you at least tracked that. But, oh, he has solar panels too.

• 1:13:50Caleb Hammer?

  Why, why are you doing all the?

• 1:13:51Speaker 03

  I have to have, no, I have to have solar panels. There, it's, it's 100% electrical community.

• 1:13:56Caleb Hammer?

  What?

• 1:13:56Speaker 03

  Yeah.

• 1:13:57Caleb Hammer?

  Every community is an electrical community.

• 1:13:59Speaker 03

  We don't have any gas lines. It's 100% electrical.

• 1:14:02Caleb Hammer?

  Great, pay for electricity, dumbass.

• 1:14:04Speaker 03

  No, the contract requires you to get the solar panels.

• 1:14:08Caleb Hammer?

  Why would you purchase that then? That is a horrendous contract.

• 1:14:14Speaker 03

  It was my house. That was my house.

• 1:14:16Caleb Hammer?

  That's stupid. There is, there, by the way, like, there's like five different houses in this whole country.

• 1:14:20Speaker 03

  And the electric, when I did have an electricity bill, cuz you have to pay the electric.

• 1:14:23Caleb Hammer?

  Solar bill.

• 1:14:24Speaker 03

  Yeah, which is cheaper than what the electricity bill was.

• 1:14:26Caleb Hammer?

  Yeah, but this is a debt. You don't have a debt on your electricity.

• 1:14:31Speaker 03

  It's the same thing.

• 1:14:32Caleb Hammer?

  No, it is not.

• 1:14:33Speaker 03

  Yes, it is.

• 1:14:34Caleb Hammer?

  Because you can move, you can do all this stuff and cancel your energy plan and move into an apartment or whatever it might be, who knows?

• 1:14:40Speaker 03

  I can cancel it as well. It's a lease.

• 1:14:43Caleb Hammer?

  You lease your solar.

• 1:14:44Speaker 03

  Yeah.

• 1:14:44Caleb Hammer?

  A lease brings you out through an end of your term. Usually you can't just cancel it in the middle of it.

• 1:14:48Speaker 03

  No, I mean, but if I sell the house.

• 1:14:49Caleb Hammer?

  Well, there you go. You're not leasing your electricity. You're locked into a contract. Solar's not necessarily always bad, but all I'm saying is you signed up for a mortgage that a 7% of your income immediately got a water filtration system on a card that you cannot pay off that is about to start accruing a ton of interest in just a few months, and immediately got solar in a lease program. What are you talking about? You immediately made all the choices that cost more money.

• 1:15:11Speaker 03

  The solars came with the house. I had to get it with the house. It was a part of the contract for the house. There was no out of it.

• 1:15:16Caleb Hammer?

  Why would you get this then?

• 1:15:18Speaker 03

  There was no getting out of it.

• 1:15:24Speaker 03

  It was either leased or buy them. So I leased them.

• 1:15:27Caleb Hammer?

  No, the other option is don't pay a house like this.

• 1:15:32Speaker 03

  That was my house.

• 1:15:33Caleb Hammer?

  Financial on its most guessed. It's my, girl, there's literally like 15 different variations in houses across this entire country. You would find another one just like it somewhere else. Yes, you would. I don't want to hear it. As someone who's very much into real estate, okay, let's be honest, fine, 100 different variations.

• 1:15:50Speaker 03

  Okay, yes.

• 1:15:51Caleb Hammer?

  Across this entire country.

• 1:15:52Speaker 03

  That is 10 minutes away from my work.

• 1:15:54Caleb Hammer?

  Maybe. Potentially. You bought a KB home. Yes. Yes.

• 1:16:03Speaker 03

  10 minutes away from my house? No.

• 1:16:05Caleb Hammer?

  Oh, shut the up. Best buy. What'd you do? What'd you buy for your little house, you special little house girl?

• 1:16:11Speaker 03

  Washer, dryer, refrigerator.

• 1:16:13Caleb Hammer?

  Yeah, you did. Oh, the pre-built, the can designer bullshit KB house that didn't come with any utilities?

• 1:16:20Speaker 03

  You could have paid for them, but they were more expensive and I don't want to include them.

• 1:16:23Caleb Hammer?

  This is stupid. You could not afford this to save your life. You financed everything. Probably financed your 2.5% down.

• 1:16:30Speaker 03

  No.

• 1:16:30Caleb Hammer?

  I'll think. You owe $1,920 on this, 17 years to pay off with a $30 minimum monthly payment. Let's see when this is 0% interest. You've had a late fee this year. Yes.

• 1:16:47Speaker 03

  I don't.

• 1:16:48Caleb Hammer?

  Yes. Yes, literally, yes.

• 1:16:51Speaker 03

  No.

• 1:16:51Caleb Hammer?

  Yes, literally, yes.

• 1:16:53Speaker 03

  That's impossible.

• 1:16:54Caleb Hammer?

  Nope, it literally happened. That's, that's.

• 1:16:56Speaker 03

  Where does it say that?

• 1:16:59Caleb Hammer?

  Right there. That's how much a late fee costs.

• 1:17:02Speaker 03

  No, it's not a late fee.

• 1:17:05Speaker 03

  It can't be a late fee.

• 1:17:06Caleb Hammer?

  Got it. Okay. Well done. That means I guess you didn't get it because you believe hard enough.

• 1:17:12Speaker 03

  No, because I pay that card twice a month.

• 1:17:13Caleb Hammer?

  Yeah, but you missed it once. Maybe you didn't have, maybe when you pick, put, pushed pay, you didn't have enough money in your checking account and it bounced. There's lots of ways for it to be late, but you've had a late fee. And now I don't believe you on the previous card where you said you've never had a late fee. Because anytime any guest in the history of the show says they've never had a late fee, they always have a late fee.

• 1:17:32Speaker 03

  I've never had a.

• 1:17:34Caleb Hammer?

  I don't want to hear it. Just close your mouth. Something every human has probably said to you in your entire life. Okay, why do I have your State Farm life insurance policy? Please pay this 385 a month?

• 1:17:46Speaker 03

  Yeah, that's the monthly.

• 1:17:48Caleb Hammer?

  Who's getting your life insurance? You have no one.

• 1:17:50Speaker 03

  Uh, my niece.

• 1:17:52Caleb Hammer?

  Why?

• 1:17:53Speaker 03

  Because I love her.

• 1:17:54Caleb Hammer?

  Why not just invest and make more money and have that go to her?

• 1:17:57Speaker 03

  I mean, I plan on doing that as well, but that was just.

• 1:17:59Caleb Hammer?

  Do that instead and make more.

• 1:18:01Speaker 03

  I mean, the policy, that's going to be paid off in five years, so.

• 1:18:03Caleb Hammer?

  Paid off? What? Oh, it's a loan?

• 1:18:05Speaker 03

  No, it's a 10-year.

• 1:18:06Caleb Hammer?

  No, I have a loan.

• 1:18:08Speaker 03

  I mean, there's a loan on it, but.

• 1:18:09Caleb Hammer?

  Your policy?

• 1:18:10Speaker 03

  It's a 15 pay life insurance, so you pay it off in 15. Yeah.

• 1:18:14Caleb Hammer?

  This has to be whole life.

• 1:18:15Speaker 03

  It is a life.

• 1:18:15Caleb Hammer?

  Whole life is so stupid for someone in your income situation because it is not going to make the, the actual difference.

• 1:18:21Speaker 03

  Pay, whole life, you pay it off in 15 years. You don't have to make any payments towards it.

• 1:18:25Caleb Hammer?

  I just don't understand. You'd make so much more money with outside of it, though. Usually the only, there's like 1% of the population that can actually make more money off of a whole life policy, and it is those who are beyond wealthy because it makes more sense to borrow against your whole life policy than pay your taxes by exiting equity positions. In no way. If you were just investing in the S and P 500, I guarantee you would have done better.

• 1:18:47Speaker 03

  Yeah, but I mean, it was something that I.

• 1:18:49Caleb Hammer?

  But I got sold on it.

• 1:18:51Speaker 03

  It was something that-

• 1:18:51Caleb Hammer?

  16? They sold you a life insurance policy at 16?

• 1:18:54Speaker 03

  My mom opened it for me.

• 1:18:55Caleb Hammer?

  Oh, your mom's a piece of shit!

• 1:18:58Speaker 03

  Why? It's the best time to get a life insurance policy when you're younger.

• 1:19:00Caleb Hammer?

  Whole life?

• 1:19:02Speaker 03

  It's a 15 pay. It's not a whole life. It's a 15 pay.

• 1:19:05Caleb Hammer?

  You just told me it was.

• 1:19:06Speaker 03

  It's a 15 pay whole life. You only pay it for 15 years. You don't pay a whole life like a normal whole life policy.

• 1:19:13Caleb Hammer?

  Okay, let me read this.

• 1:19:16Caleb Hammer?

  And what would she get if you died?

• 1:19:18Speaker 03

  A hundred thousand, plus the accrued cash value.

• 1:19:22Caleb Hammer?

  But you took a loan out against it?

• 1:19:24Speaker 03

  Yeah, I don't have to pay it back, so...

• 1:19:28Speaker 03

  I took out some cash value that was in there.

• 1:19:30Caleb Hammer?

  Well, hold on, hold on.

• 1:19:33Caleb Hammer?

  Because I don't even trust how you're talking about things, because I just can't take your word on it. And I don't obviously have the full contract in front of me. So like, what the [bleep] am I to do with this?

• 1:19:43Speaker 03

  Would you like for me to explain to you the way insurance policy works?

• 1:19:46Caleb Hammer?

  No, because Erin, you don't think you're fat. I don't trust you in anything. You're literally [bleep]. You know nothing about anything. So shut the [bleep] up. I don't want to hear anything from you.

• 1:19:58Caleb Hammer?

  I mean, you might explain it for what you think happens.

• 1:20:01Speaker 03

  No, I can explain to it.

• 1:20:02Caleb Hammer?

  Shut the [bleep] up. No.

• 1:20:04Speaker 03

  Well, yeah.

• 1:20:05Caleb Hammer?

  Okay, so after you pay a total of $462,703 towards it, she gets $100,000? Is this minimum payment that this is, it's been $385 a month forever? Is that after you took out your loan?

• 1:20:19Speaker 03

  No, forever.

• 1:20:22Caleb Hammer?

  Girl, $385 times 12 times 10, sorry, $46,200. There's something, there's something, what am I not getting here? Okay, okay, let me get this.

• 1:20:38Caleb Hammer?

  Cash value is only $10,400 in there.

• 1:20:40Speaker 03

  Right now, because I took out.

• 1:20:42Caleb Hammer?

  You still get $9,000 in interest of 5.8%.

• 1:20:45Speaker 03

  Mm-hmm. But I don't have to pay it back, so...

• 1:20:47Caleb Hammer?

  Well, yeah.

• 1:20:50Caleb Hammer?

  Not going to get access to it. The annualized premium is $1,332.

• 1:20:59Caleb Hammer?

  And this was a loan for your down payment of your house. So you did borrow for the down payment of your house.

• 1:21:03Speaker 03

  I don't have to pay back because no, I took out from my cash value. It's not really a loan.

• 1:21:10Speaker 03

  I took out from my cash value.

• 1:21:11Caleb Hammer?

  Any loan interest not paid within 35 days of the due date will be applied to the loan balance. Loan payments received during this time will be applied to the loan interest first.

• 1:21:22Caleb Hammer?

  Yeah, you're just borrowing from yourself at a higher interest, though.

• 1:21:25Speaker 03

  But I also don't pay that. It gets accrued to the loan.

• 1:21:31Speaker 03

  So if something was to happen to me-

• 1:21:32Caleb Hammer?

  Shut the fuck up, I don't want to hear it. I don't trust you for anything.

• 1:21:36Speaker 03

  I mean, if something happens to me, then what will happen is they will take out of the cash value first to cover whatever loan balance I have. And then from there, they'll take out of the debt benefit.

• 1:21:45Caleb Hammer?

  I don't trust you for anything.

• 1:21:46Speaker 03

  But I know that policy back to back.

• 1:21:49Caleb Hammer?

  No.

• 1:21:52Caleb Hammer?

  I don't trust you for a single dick of information in this entire world. I will never. 15 year, I haven't f- around 15 years, so I'm learning a little bit.

• 1:22:04Caleb Hammer?

  But, okay, okay. And listen, going into this 15 year thing, essentially, it's just forcing you to pay it quicker. Again, usually the benefit is allowing the money to grow a little tax-free, but being able to borrow it from yourself when you're wealthy, instead of having to sell equity positions. For you, it is forced savings, it's working as a forced savings. However, even still, this money that you put towards it over 15 years would be worth maybe $250,000 if it was put in the market, because you're essentially getting a low-interest savings on this. It's just a bad investment, it's a bad savings vehicle. It's forced savings, likely, because you have absolutely no discipline whatsoever.

• 1:22:45Speaker 03

  It is forced savings.

• 1:22:46Caleb Hammer?

  Yeah, but it's shit savings. Because you would have more than double by the end of that 15-year term, if you were just investing in the overall market.

• 1:22:54Speaker 03

  Yeah, but at the time, when I got that policy-

• 1:22:56Caleb Hammer?

  Triple, perhaps.

• 1:22:57Speaker 03

  That was 15 years ago, or 10 years ago, sorry, when I got it.

• 1:23:00Caleb Hammer?

  Yeah, but I would just try to get out of it and just start building up market investment.

• 1:23:03Speaker 03

  I do plan on doing that, but I'm not getting out of that policy.

• 1:23:06Caleb Hammer?

  Why?

• 1:23:06Speaker 03

  Because it's almost done being paid off. And it will continue to accrue, it will continue to accrue cash value.

• 1:23:12Caleb Hammer?

  Very low, yeah.

• 1:23:13Speaker 03

  Yeah, but it will continue to accrue cash value.

• 1:23:15Caleb Hammer?

  The dividend is insanely low, it seems. I mean, your dividends have only gone, you're almost done and it's only gone $1,133 of the $100,000. So you're getting like a 1%.

• 1:23:27Speaker 03

  Because I took out, because I took out the nine.

• 1:23:29Caleb Hammer?

  Okay, so over the last 12 years, though, you got less than 1% a year.

• 1:23:34Speaker 03

  I guess so, yeah.

• 1:23:35Caleb Hammer?

  That's horrendous.

• 1:23:36Speaker 03

  It's just a savings and additional savings.

• 1:23:38Caleb Hammer?

  No, it's you just gave them free money for them to go invest and make a lot of money while you got nothing, is actually what's just happened.

• 1:23:44Speaker 03

  I mean, I do plan on investing, it's just not something I can do right now, so.

• 1:23:47Caleb Hammer?

  Well, because of this, because this is forcing you to 385 a month. So, since 16, what are you? 29? Okay, so 13 years, so it's done in, it's done in two years. This is what it could have been instead. By the way, the market's done in much better than 12% over that time, but I'll just, let's just do 12% to be conservative. Either way, for the 12 years, no, it's been 13 years, and an addition of 385.86 a month? Yeah, 150,000 hours instead of 100. You lost 50,000 hours doing this.

• 1:24:28Speaker 03

  Okay.

• 1:24:28Caleb Hammer?

  Okay, okay.

• 1:24:29Speaker 03

  I mean, but there's accruing cash value on that policy always and forever. So, I mean, maybe at some point it will be more than 150, if I don't touch the cash value again. Because that accrues cash value for life.

• 1:24:40Caleb Hammer?

  And it's kind of shitty, because that entire time, like, yeah, it'll pay out, even when you're 90, it'll like pay out, but it'll pay out at 100,000.

• 1:24:47Speaker 03

  Plus whatever cash value.

• 1:24:48Caleb Hammer?

  Plus the dividend, which is going to be almost nothing, where instead that 100,000 would have been growing in the market. This is a shit policy, dude. Again, you're not able to take advantage of the actual borrowing against yourself, like most people do. And you borrowed against yourself to for your down payment. So again, you're never, you never actually put any cash on the table.

• 1:25:08Speaker 03

  I did. But, what was it, only 7,000? Because they used the initial 10.

• 1:25:23Speaker 03

  Because the 10 was a deposit to hold the lot that we're gonna go towards my down. And then I had to put an additional seven.

• 1:25:30Caleb Hammer?

  So you haven't paid anything towards the loan. Obviously, interest will keep compounding on it. Which means the death benefit is endlessly shrinking if you're really caring about the impact of your niece. So.

• 1:25:42Speaker 03

  There's three other life insurance policies.

• 1:25:44Caleb Hammer?

  Sure, but it's endlessly compounding because you're never touching that loan. Which means whatever she might get is gonna be absolutely practically nothing.

• 1:25:51Speaker 03

  On this one, yeah, maybe. On the other three, she's fine.

• 1:25:54Caleb Hammer?

  So what's the point of you even having it then? You essentially threw $350 away every single month for you to get $10,000? What the are we doing?

• 1:26:03Speaker 03

  It's just an additional saving.

• 1:26:05Caleb Hammer?

  Stupid.

• 1:26:05Speaker 03

  It's just additional.

• 1:26:06Caleb Hammer?

  It's horrible. It's stupid. Oh, my goodness. She has four life insurance policies. I'm right, I'm gonna look at this. This is so stupid. Okay, Kia Finance. So you got a Kia, huh? An 84 month ter- You do everything wrong. Low savings, high payment plans for car. What's the Kia?

• 1:26:28Speaker 03

  Uh, it's a Forte.

• 1:26:29Caleb Hammer?

  Year?

• 1:26:30Speaker 03

  2024.

• 1:26:32Caleb Hammer?

  Oh, you got it the same day as the house?

• 1:26:34Speaker 03

  Yeah.

• 1:26:34Caleb Hammer?

  Girl, you're Financial Audit's most [bleep] guest.

• 1:26:38Speaker 03

  Yeah, the day that I got the Kia.

• 1:26:39Caleb Hammer?

  Audit's most [bleep] guest.

• 1:26:42Speaker 03

  I didn't have a car at the time, so I needed a car.

• 1:26:43Caleb Hammer?

  It's happened. Financial Audit's most [bleep] guest. Ladies and gentlemen, this is back at 2026 and you are the definition. What's the interest rate again?

• 1:26:57Speaker 03

  Uh, the car?

• 1:26:58Caleb Hammer?

  Yes.

• 1:26:59Speaker 03

  Oh.

• 1:26:59Caleb Hammer?

  Asshole.

• 1:26:59Speaker 03

  I don't know.

• 1:27:00Caleb Hammer?

  You don't know the interest rate?

• 1:27:01Speaker 03

  No, I don't remember the number. I remember what it was when I did it, but I don't remember what it is now.

• 1:27:06Caleb Hammer?

  I doubt it's a great interest rate and it's gonna be all the way through 31. 2031, which is crazy. Oh, my gosh. We're getting the value of the car, but looking at your house, we already went over it. You have like a $50,000 equity position, which is about 8.5%.

• 1:27:24Caleb Hammer?

  Okay, in the house itself, you owe 476,967 dollars and 73 cents. Interest rate, basically 7%, and it is $4,227.53 a month! That's insanity. In crazy sanity. What is wrong with you? What is wrong with you, dude? It's so crazy. The way you live your life. In the moment you signed up-

• 1:28:00Speaker 10

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• 1:28:29Caleb Hammer?

  Bought that thing that had 70% of your income, you went and got a car payment. You moron. I don't even know what to do.

• 1:28:34Speaker 03

  I needed a car.

• 1:28:35Caleb Hammer?

  Shut the f**k up. Could've got a $10,000. I don't even want to hear it. Shut up. $200 in our checking account? Who would've thought? Starter Bros, Donut Star, Chick-fil-A, Tobacco, Veneers distributors? Let me see them.

• 1:28:49Speaker 03

  I don't have veneers.

• 1:28:50Caleb Hammer?

  Veneras distributors? I don't know. It's marked as food. $17.24.

• 1:28:57Caleb Hammer?

  Moron. Savings went up from $32 to $62.

• 1:29:02Speaker 03

  That's the account that I pay my mortgage payment on there.

• 1:29:04Caleb Hammer?

  Where's your retirement?

• 1:29:05Speaker 03

  Um, I don't have one.

• 1:29:08Caleb Hammer?

  Die. Well, thank goodness you have a life insurance policy that's doing absolutely dogshit nothing.

• 1:29:14Speaker 03

  I have four.

• 1:29:16Caleb Hammer?

  That are doing absolutely dogshit nothing, knowing you.

• 1:29:19Speaker 03

  The other ones are fine.

• 1:29:20Caleb Hammer?

  Doubt. What do you think your car is worth that you owe $21,423 on?

• 1:29:25Speaker 03

  I don't know. Probably 16.

• 1:29:27Caleb Hammer?

  Yes.

• 1:29:29Caleb Hammer?

  I guess if you endlessly guess, you'll eventually get one right.

• 1:29:33Caleb Hammer?

  You got that one right.

• 1:29:36Caleb Hammer?

  Financial audits get most guessed. Maybe, no longer. But, or that was just a Rain Man game you just pulled on me.

• 1:29:45Caleb Hammer?

  All right, let's try to budget this thing. $6,200 a month. Annual bonus, you just gotta flex that out on a monthly basis or just throw it towards that, whatever you can do. Debt minimum monthly payments outside of your mortgage? $662.63 with your mortgage being $4,227.53. Water, gas, electric, utilities, all that combined, how much?

• 1:30:10Speaker 03

  Uh, water bill is $98.

• 1:30:13Caleb Hammer?

  Do the math, I guess.

• 1:30:15Speaker 03

  Yeah. Water's $98, solar panels is $187.

• 1:30:19Caleb Hammer?

  Internet?

• 1:30:21Speaker 03

  That's 45 bucks. Security system is 54.

• 1:30:26Caleb Hammer?

  Oh my goodness, you financed that? No?

• 1:30:28Speaker 03

  No, it's just the monthly service.

• 1:30:30Caleb Hammer?

  You didn't finance your security system? How'd you pay for it?

• 1:30:33Speaker 03

  I just paid for it.

• 1:30:34Caleb Hammer?

  How much, thousands?

• 1:30:36Speaker 03

  It was, I think, a total of, uh, 3,000?

• 1:30:40Caleb Hammer?

  You just paid for it?

• 1:30:41Speaker 03

  Yeah.

• 1:30:42Caleb Hammer?

  Okay. $384, this is not, you know, what's your phone bill?

• 1:30:46Speaker 03

  I don't have a phone bill.

• 1:30:48Caleb Hammer?

  Parents?

• 1:30:49Speaker 03

  Yeah.

• 1:30:49Caleb Hammer?

  Huh, child. Do helium when you can, if T-Mobile's getting in your area, and it should be. Gas, room from drive, drive, how much a month?

• 1:30:56Speaker 03

  100.

• 1:30:58Caleb Hammer?

  Car insurance?

• 1:31:00Speaker 03

  Uh, 180.

• 1:31:02Caleb Hammer?

  Food, 300 a month, use the budget plan in our budgeting, the meal plan in our budgeting class and the cookbook there. TP fund, anything else you need to survive, about 100 bucks, tampons, all that good stuff, medical, healthcare. Okay, I'm putting in 300 bucks. 300 bucks, dude. You have any gym?

• 1:31:22Speaker 03

  Yeah, but it's a yearly membership.

• 1:31:24Caleb Hammer?

  How much a year?

• 1:31:25Speaker 03

  64 bucks.

• 1:31:26Caleb Hammer?

  Not bad. Okay, we'll put it at 6 bucks. You have any pets?

• 1:31:32Speaker 03

  No.

• 1:31:33Caleb Hammer?

  Good. Subscriptions, I'll try 40. And then what do you get from your tenants?

• 1:31:39Speaker 03

  Uh, 1,700.

• 1:31:40Caleb Hammer?

  Cool. So we'll put your income at 7,900 then. Anything else that needs to be in your budget that I have not put in?

• 1:31:48Speaker 03

  You don't want to put weed in there?

• 1:31:50Caleb Hammer?

  I put health insurance, which is better.

• 1:31:56Caleb Hammer?

  Whatever you want to put fun money towards you can, but I don't think you have fun money. Okay, so you need $6,305.16 to survive on a monthly basis. So if you do not have their rent, you're done. Their rent is the only reason you're able to survive right now. Low months like you just had, you're definitely underwater. But 1,000, here, I'll give you $94 for fun. $94.84, okay? Yippee. So you get $1,500 left on a monthly basis.

• 1:32:35Caleb Hammer?

  Okay?

• 1:32:36Speaker 03

  Okay.

• 1:32:36Caleb Hammer?

  Obviously, your mortgage are not like trying to freak out and pay off early by any means.

• 1:32:43Caleb Hammer?

  $62,000 outside of the house. Okay, 41 months, that's manageable. You're already where you are, where you want to be in life in terms of house and car. So listen, three and a half years to pay off your debt ain't bad. And that's actual snowball, smallest of all, just no spending on any of them. Close your cards.

• 1:33:04Caleb Hammer?

  Yeah, three and a, that's not that bad. Call four and a half years to get into the full fund, into the emergency fund as well. And that's not that bad. Go through the master your money program, use the dollar wise budgeting app, use the cookbook, use the meal plan, use it all, use our tools, okay? Guys, the post show is about to be crazy. Apparently, she's been funding a felon who just dosed her.

• 1:33:27Caleb Hammer?

  Yeah, you're insane. Financial audit's most guest. We're gonna go into the text messages is insane. It's absolutely insane. Join Hammer Elite, the best membership and number one on YouTube for a reason. Three shows, premium shows, incredible shows, posted every single day, six days a week, including an extra 20 minutes of this episode, Financial Audit Post Show. I'll see you guys there, click that join button. Oh, and also Hammer Financial Score. I'm back.

• 1:33:55Caleb Hammer?

  Spending a little budget. Well, you overspent zero out of 10 debt, no collections, but definitely not great debt. Those are chunky numbers. Do a two out of 10. Emergency fund, there was nothing below, it's below a thousand, absolutely zero out of 10. Retirement, I mean, that's horrendous. I'm going to give you a one out of 10 for that. Real estate, at least you got that. You do have an equity position. Interest rate 7%, not thrilling. Only equity position is only because it's gone up and you're forced to get a solar panel. It's not the best. I'll give it a five out of 10.

• 1:34:29Caleb Hammer?

  Hammer Financial Score, get yours at CalebHammer.com, rounded up to two out of 10. See y'all in the post show. He is in prison. I told you, you look like someone who's taking it with felons and pushing out kids. That's what she looks like. She was spending $2 per month on phone calls with him. How are you funding a felon if you can't even pay your own bills?

• 1:34:51Speaker 09

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