The Internet's Biggest Freak | Financial Audit

▶WHYYYY dude is now addicted to buying USED skincare every week EWWW plus all his dating profiles are switched to poor asian countries so he can find one to bring over wtffffffff, watch the post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Build credit fast and get your first month FREE at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! Go to https://meetfabric.com/CALEB and apply today, risk-free 1% Bonus For Life - Earn Up To $5,000 Every Year With Silo Markets: https://www.silomarkets.com/caleb Try InVideo AI for free - https://invideo.io/i/CalebHammer. You can use my code 'CALEBHAMMER50' to get twice the number of video generation credits in your first month. ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. https://www.webull.com/k/Caleb Caleb Hammer (“Affiliate”) is compensated by Webull Financial LLC (“Webull”), member of FINRA and SIPC. Investing involves risk. More info at webull.com/disclosures 2. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 6. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. 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

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• 0:30Speaker 01

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• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Dude, I don't want to know how many crusty socks are in this room.

• 1:07Speaker 03

  I collect anime figures.

• 1:08Caleb Hammer?

  What did you spend on anime figures?

• 1:10Speaker 03

  I was spending about [bleep] a month, maybe a bit more.

• 1:14Caleb Hammer?

  [bleep].

• 1:15Speaker 03

  Yeah, everyone else pays.

• 1:16Caleb Hammer?

  Because you keep [bleep] buying goon material.

• 1:18Speaker 03

  I worked hard for that.

• 1:19Caleb Hammer?

  You lost $3 million. That's insane.

• 1:26Speaker 03

  Yeah, it's not good.

• 1:27Caleb Hammer?

  Oh my god.

• 1:28Speaker 03

  Well, most of that was within [bleep] months.

• 1:30Caleb Hammer?

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

• 1:47Speaker 03

  Hi, my name is Matt. I'm 28 years old and I'm from Everett, Pennsylvania, and this is Financial Audit.

• 1:55Caleb Hammer?

  Nice to meet you, Matt. Thanks for coming down. What do you do up there for a living?

• 1:59Speaker 03

  Um, I'm a project manager for a countertop company.

• 2:04Caleb Hammer?

  Very cool.

• 2:05Speaker 03

  Yeah, I do lots of things. Actually, I don't know what my job is. I just work there, employee.

• 2:10Caleb Hammer?

  Well, project manager?

• 2:12Speaker 03

  Yeah, I guess.

• 2:13Caleb Hammer?

  Is that you not do project management?

• 2:16Speaker 03

  Well, I have like 60 or 100 jobs at a time and then I

• 2:22Caleb Hammer?

  Okay.

• 2:22Speaker 03

  look over them and make sure they're going okay. But you know, if there's people like, we don't have fabrication in time, I'll have to spend a Sunday fabricating by myself, which sucks.

• 2:33Caleb Hammer?

  Really? Oh, okay.

• 2:35Speaker 03

  I'll listen to Caleb Pamer Financial Audit when I'm doing that.

• 2:38Caleb Hammer?

  Well, thank you. And now you're here, you're on it.

• 2:40Speaker 03

  Although the sound quality is terrible on the boombox, so.

• 2:42Caleb Hammer?

  At what?

• 2:43Speaker 03

  Yeah.

• 2:44Caleb Hammer?

  Where?

• 2:44Speaker 03

  When I have it on the loudspeakers, I can't hear you.

• 2:46Caleb Hammer?

  Why?

• 2:47Speaker 03

  I don't know. The sound quality is terrible.

• 2:49Caleb Hammer?

  Hmm. We'll look into it, I guess. I don't know. Okay, what's your income?

• 2:56Speaker 03

  Um, $5,000. Well, $5,000 before deductions and tax.

• 3:04Caleb Hammer?

  So what's your current monthly basis?

• 3:06Speaker 03

  $3,000 or $1,700 bi-weekly.

• 3:09Caleb Hammer?

  Okay.

• 3:09Speaker 03

  Which would be $3,400. And then, you know, there's an extra month there.

• 3:15Caleb Hammer?

  Yeah.

• 3:15Speaker 03

  Extra week. And I think it's always January and August, but I'm not too sure.

• 3:18Caleb Hammer?

  Well, we'll budget for that 34.

• 3:20Speaker 03

  Okay.

• 3:21Caleb Hammer?

  Okay. What do you got there?

• 3:23Speaker 03

  A book.

• 3:23Caleb Hammer?

  Did you bring a book material for, is it financial?

• 3:27Speaker 03

  No.

• 3:27Caleb Hammer?

  Notes?

• 3:27Speaker 03

  No. Well, I do have financial notes, but

• 3:32Speaker 03

  yeah, that's just a math book.

• 3:34Caleb Hammer?

  Math book?

• 3:35Speaker 03

  Modern approximation theory, yeah.

• 3:38Caleb Hammer?

  Sure, why not? I'm not good at math, so I respect it. We need people who are. What's going on? What are we talking about? What's happening in your life?

• 3:48Speaker 03

  Um, I, I'm in, I think like $50,000 of debt right now. I, you know.

• 3:59Caleb Hammer?

  Come on.

• 3:59Speaker 03

  Things.

• 4:01Caleb Hammer?

  Why?

• 4:02Speaker 03

  Why? Well.

• 4:05Speaker 03

  I made bad mistakes.

• 4:06Caleb Hammer?

  Okay, but mathematically, what's been happening?

• 4:10Speaker 03

  Um, I'm probably spending more than I should, probably could be making more money, you know, stuff like that.

• 4:18Caleb Hammer?

  Okay.

• 4:21Caleb Hammer?

  So with you spending more than you should,

• 4:24Speaker 03

  Yeah.

• 4:25Caleb Hammer?

  What does that look like? And why is there no self-control if you're recognizing this? When you're able to sit down and read that book, you'd think you'd be able to sit down and make a budget. Why aren't you following it? Well, like, what's happening? Why are you going out and doing all this? Are you even aware of what you're doing? What are you spending your money on? I have so many questions.

• 4:42Speaker 03

  Okay.

• 4:43Caleb Hammer?

  And the first one is, are you autistic?

• 4:45Speaker 03

  Yeah, yeah.

• 4:46Caleb Hammer?

  Okay. Second one, what are you spending all your money on?

• 4:49Speaker 03

  Um, multiple things. I get in certain interests every now and then.

• 4:54Caleb Hammer?

  Uh, like hobbies? You fall down the world of hobbies?

• 4:57Speaker 03

  Yeah, yeah.

• 4:58Caleb Hammer?

  Okay, yeah, that's dangerous. And that's always very expensive.

• 5:00Speaker 03

  Yeah, it is, especially if it's like a collecting hobby.

• 5:03Caleb Hammer?

  $50,000 to hobbies?

• 5:04Speaker 03

  Yeah, yeah, probably.

• 5:06Caleb Hammer?

  Do you have anything to show for it? That you could just sell? Get out of at least a lot of the debt?

• 5:10Speaker 03

  Yeah, yeah, I think.

• 5:11Caleb Hammer?

  Okay, it is not 50,000. You think your debt's 50,000?

• 5:15Speaker 03

  Yeah.

• 5:15Caleb Hammer?

  Oh, for fuck's sake, it's $85,322.52.

• 5:18Speaker 03

  I don't believe that. How's that, how's, where'd that come from?

• 5:20Caleb Hammer?

  Uh, math.

• 5:22Speaker 03

  Okay, I don't believe it. We'll have to go by each one, I guess.

• 5:27Caleb Hammer?

  Capital One Cook Silver, Capital One Platinum, uh, Genius Bank Loan, One Main Financial Car Loan, PayPal Credit Card, Student Loan Number One, Student Loan Number Two, Student Loan Number Three, Student Loan Number Four, Upstart Loan, and Parents.

• 5:39Speaker 03

  Okay, I probably overestimated Parents, then? Yeah.

• 5:43Caleb Hammer?

  $85,322.52.

• 5:47Speaker 03

  Okay, that doesn't math to me. But we can, we can see.

• 5:51Caleb Hammer?

  We can see?

• 5:52Speaker 03

  Yeah.

• 5:55Caleb Hammer?

  You, I mean, you seem like a guy that gets kind of a little locked into numbers, right?

• 5:58Speaker 03

  Yeah.

• 5:59Caleb Hammer?

  Why would you not know how much debt you have? Why would you get so much substantially lower than what we have from literally just your documents?

• 6:07Speaker 03

  That's not the notes I have, but.

• 6:09Caleb Hammer?

  I don't know what notes you have. That looks like a manifesto, so I don't.

• 6:13Speaker 03

  Yeah. Um, but we'll see.

• 6:16Caleb Hammer?

  No, I, why, why, why do you think it's different? I'm genuinely curious because this has to do with how you're managing your finances.

• 6:22Speaker 03

  It's $12,000 of one main financial and then it should be like $5,000 at most for Upstart, $5,000 at most for Ginass.

• 6:29Caleb Hammer?

  No.

• 6:30Speaker 03

  Yeah, so there's where we're having the descriptions. I can't read that, uh, but yeah.

• 6:35Caleb Hammer?

  Some of those, no, some of those numbers are wrong.

• 6:37Speaker 03

  Okay. Well, maybe because they probably showed the payoff amount, right?

• 6:43Caleb Hammer?

  We'll go through.

• 6:44Speaker 03

  Okay.

• 6:44Caleb Hammer?

  We'll find out, but I'm very curious. Okay.

• 6:46Speaker 03

  Me too.

• 6:46Caleb Hammer?

  So why? Okay, yeah, so.

• 6:49Speaker 03

  Cause that's like 85,000. That's a lot more than what I thought.

• 6:52Caleb Hammer?

  Yeah, that's a scary amount for sure. So what are you spending? What, what hobby are you in right now?

• 6:59Speaker 03

  Um, I, I.

• 7:00Caleb Hammer?

  Draining.

• 7:01Speaker 03

  Well, before I, I collect anime figures, which was a significant amount earlier. I've kind of gotten away from that a little bit more.

• 7:10Caleb Hammer?

  Anime figures.

• 7:11Speaker 03

  Now I'm in between hobbies.

• 7:13Caleb Hammer?

  What do you, what did you spend on anime figures?

• 7:15Speaker 03

  I was spending about a thousand dollars a month, maybe a bit more. Last year.

• 7:20Caleb Hammer?

  And what can you sell your anime collection for?

• 7:24Speaker 03

  I estimate like 20,000.

• 7:26Caleb Hammer?

  Okay, but you also estimated your.

• 7:27Speaker 03

  Yeah, I did estimate that bad, yeah.

• 7:30Caleb Hammer?

  Okay.

• 7:31Speaker 03

  That's fine.

• 7:32Caleb Hammer?

  Maybe we stop reading theory and we stop, we start reading reality.

• 7:35Speaker 03

  Okay.

• 7:36Caleb Hammer?

  Math.

• 7:36Speaker 03

  Good, but yeah.

• 7:37Caleb Hammer?

  Huh?

• 7:38Speaker 03

  Yeah.

• 7:38Caleb Hammer?

  Okay. Listen.

• 7:41Speaker 03

  Theory.

• 7:43Caleb Hammer?

  Huh?

• 7:43Speaker 03

  Theory and reality, yeah.

• 7:45Caleb Hammer?

  Yeah. All right, what do you got going on in your life, dude? So we got this job.

• 7:50Speaker 03

  Yep.

• 7:51Caleb Hammer?

  It's exciting. How many hours a week are you working?

• 7:53Speaker 03

  50. If 50 would be.

• 7:55Caleb Hammer?

  50, you're not making very much for 50.

• 7:59Speaker 03

  Yeah, would that be like $22 an hour?

• 8:03Caleb Hammer?

  Yeah, but what do you want to do? Cause you seem like you might, you know, be an intelligent person. I think.

• 8:12Speaker 03

  Maybe.

• 8:12Caleb Hammer?

  Below the skin. Yeah.

• 8:13Speaker 03

  Yeah. Below the.

• 8:16Caleb Hammer?

  Like present, presenting.

• 8:21Caleb Hammer?

  I think you're probably smart.

• 8:22Speaker 03

  Okay, okay, thanks.

• 8:25Caleb Hammer?

  So what should you be doing?

• 8:27Speaker 03

  I

• 8:27Caleb Hammer?

  What do you want to be doing? I feel like you're underutilized.

• 8:30Speaker 03

  Yeah, I mean, I would definitely like to do something more math base.

• 8:34Caleb Hammer?

  Yeah.

• 8:35Speaker 03

  Tech base.

• 8:35Caleb Hammer?

  Do you have a degree?

• 8:36Speaker 03

  Yeah, I have a degree.

• 8:37Caleb Hammer?

  And?

• 8:37Speaker 03

  Uh, I'd say liberal arts, but it's math.

• 8:41Caleb Hammer?

  But you're, but you're working as project management.

• 8:43Speaker 03

  Yeah.

• 8:44Caleb Hammer?

  What, what would you want to do? What can we get into?

• 8:46Speaker 03

  I don't know. What can you get into?

• 8:51Caleb Hammer?

  I was hoping the person that wanted to get into would have a little more insight.

• 8:54Speaker 03

  Yeah, I mean, I think I probably

• 8:56Caleb Hammer?

  I don't know what the industry is like in Everett, Pennsylvania.

• 9:00Speaker 03

  Yeah.

• 9:01Caleb Hammer?

  We might have to move to a bigger city.

• 9:03Speaker 03

  Yeah.

• 9:07Caleb Hammer?

  Oh, I thought I was autistic. I really did. We can combine our tisms together and create a super, super strength.

• 9:15Speaker 03

  What's the super strength?

• 9:16Caleb Hammer?

  Super tism.

• 9:17Speaker 03

  Super tism.

• 9:18Caleb Hammer?

  Like a conquer the world level tism.

• 9:21Speaker 03

  Super

• 9:22Caleb Hammer?

  Like never seen before.

• 9:23Speaker 03

  Never seen before? Greatest tism of all time.

• 9:27Caleb Hammer?

  We sure could. Why do we have a note that you are oftentimes late on rent, though?

• 9:31Speaker 03

  Yeah.

• 9:32Caleb Hammer?

  Because you make money. You do make money, even though I think you could probably do better.

• 9:38Caleb Hammer?

  I mean, you spend a lot on anime comes before rent. How much is your rent?

• 9:42Speaker 03

  Uh, $4.50.

• 9:43Caleb Hammer?

  You can't pay $450 in rent? That's so cheap. That's like nothing rent wise.

• 9:51Speaker 03

  Yeah, it's pretty cheap in Everett, Pennsylvania.

• 9:53Caleb Hammer?

  Yeah, so why aren't you paying it?

• 9:55Speaker 03

  Um, I'm, sometimes I'm a month late or a couple of days late.

• 10:00Caleb Hammer?

  Why? That's, that's that's not why.

• 10:03Speaker 03

  On it, but yeah.

• 10:04Caleb Hammer?

  But that's not why. That's not an answer why. That is what is happening. What's the why?

• 10:09Speaker 03

  I probably don't, I don't have a budget or why I probably don't.

• 10:13Caleb Hammer?

  But you're such a math guy. Why don't you budget?

• 10:17Speaker 03

  Well, if I know I'm gonna be able to pay it late until wait till the next payday and then maybe wait till the next payday after that.

• 10:24Caleb Hammer?

  Why do you have to wait?

• 10:26Speaker 03

  Because I don't have money in my

• 10:28Caleb Hammer?

  Why?

• 10:28Speaker 03

  Bank account because I'm

• 10:29Caleb Hammer?

  For anime, so anime is more important than rent?

• 10:31Speaker 03

  Yeah, yeah. I mean, sometimes I overestimate things or I don't see things come up.

• 10:35Caleb Hammer?

  Okay, the budget, I mean, you're a spreadsheet guy, right?

• 10:39Speaker 03

  Yeah, yeah, maybe I don't use the spreadsheet for budget.

• 10:43Caleb Hammer?

  What do you use?

• 10:44Speaker 03

  Um, I just write it down in my head. Sometimes I use spreadsheet.

• 10:48Caleb Hammer?

  Write it down in my head?

• 10:50Speaker 03

  Yeah, write it down and keep it in my head because I'll lose the paper.

• 10:55Caleb Hammer?

  So maybe we should use a computer?

• 10:57Speaker 03

  Yeah.

• 10:58Caleb Hammer?

  Or notes app?

• 10:59Speaker 03

  I've tried using, I've tried using Monarch and I've tried using Rocket Money, but.

• 11:04Caleb Hammer?

  Monarch's okay.

• 11:05Speaker 03

  Yeah.

• 11:06Caleb Hammer?

  Rocket Money's better.

• 11:07Speaker 03

  Is it?

• 11:08Caleb Hammer?

  Uh, okay, so.

• 11:12Caleb Hammer?

  Well, it just doesn't matter to you. Do you not care?

• 11:15Speaker 03

  Maybe, maybe that's part of it, lack of motivation, lack of.

• 11:18Caleb Hammer?

  So what would the lack of motivation stem from in your own mind? What do you think?

• 11:22Speaker 03

  Like, I just, you know, trying to figure out what to do in the future. Sometimes that's.

• 11:26Caleb Hammer?

  What does that mean? What are you trying to figure out? Well, what's the question?

• 11:29Speaker 03

  Pretty grim, like.

• 11:30Caleb Hammer?

  Grim? Are you dying?

• 11:32Speaker 03

  No.

• 11:32Caleb Hammer?

  Okay.

• 11:33Speaker 03

  Well, we're all dying, but.

• 11:36Caleb Hammer?

  What's grim?

• 11:38Speaker 03

  Like, what should I be doing? What's the purpose? Where, what should I be doing? You know?

• 11:45Caleb Hammer?

  Uh. I don't know. I guess we could all kill ourselves, uh, but.

• 11:50Speaker 03

  No, not really, like.

• 11:52Caleb Hammer?

  Well, this is, I don't know, we're just living. I mean, you're living. You gotta find purpose in your everyday things. Are you in a relationship?

• 11:58Speaker 03

  No.

• 11:58Caleb Hammer?

  Do you date?

• 11:59Speaker 03

  Uh, no, I, I had long distance relationships that were pretty toxic, but yeah.

• 12:05Caleb Hammer?

  Why are they toxic?

• 12:06Speaker 03

  Because the people were toxic.

• 12:09Caleb Hammer?

  What about it?

• 12:11Speaker 03

  People were toxic.

• 12:13Caleb Hammer?

  What was toxic, though?

• 12:14Speaker 03

  Uh, manipulating, uh, freak outs on me, stuff like that. It might be my, my personality against them.

• 12:23Caleb Hammer?

  Do you date women or men?

• 12:25Speaker 03

  Uh, both, but women.

• 12:27Caleb Hammer?

  I felt the vibe. Oh, really?

• 12:29Speaker 03

  Yeah.

• 12:30Caleb Hammer?

  Oh, okay, okay. It's, it's June, so I really felt some gay energy coming across the table.

• 12:35Speaker 03

  That's dinosaur month.

• 12:36Caleb Hammer?

  Huh?

• 12:36Speaker 03

  It's dinosaur month.

• 12:38Caleb Hammer?

  Dinosaur month?

• 12:39Speaker 03

  Yeah, June.

• 12:41Caleb Hammer?

  Dinosaur and trains, huh?

• 12:42Speaker 03

  Yeah.

• 12:43Caleb Hammer?

  Okay.

• 12:45Speaker 03

  Trains are great.

• 12:46Caleb Hammer?

  I bet they are.

• 12:52Caleb Hammer?

  Um, okay. So, but okay. I'm just trying to find something for you to latch on to so that there is a purpose. Um, career wise, it doesn't seem like you know what you want to do. Okay. Goal wise, have you ever tried to, uh, do you want to get a house? Do you, what are things you're looking forward to? What do you want to do? Maybe you need to live, leave Everett because it's small and you should explore life a little. Are you from Everett?

• 13:20Speaker 03

  Yeah, yeah, yeah. I was born in Everett. Yeah.

• 13:22Caleb Hammer?

  Okay. So it might be time to escape, right?

• 13:27Speaker 03

  Maybe. Yeah. I don't know where to escape to.

• 13:31Caleb Hammer?

  Anything. Okay. Everett, listen, you're, you're close to Baltimore. You're close to DC.

• 13:36Speaker 03

  Yeah.

• 13:37Caleb Hammer?

  You're close to Pittsburgh. So go to any of those cities.

• 13:40Speaker 03

  Two hours from Pittsburgh, two hours.

• 13:41Caleb Hammer?

  Yeah, go to, move to any of those cities. You have some exposure to life.

• 13:45Speaker 03

  My sister lives in Philadelphia. So that's a good place to go. Um, yeah.

• 13:48Caleb Hammer?

  Okay. Yeah. Yeah. Yeah. So do you live with, who do you, you, what are, what's your living situation?

• 13:54Speaker 03

  I live alone.

• 13:55Caleb Hammer?

  Okay.

• 13:56Speaker 03

  I don't have a cat.

• 13:56Caleb Hammer?

  Why is rent so cheap? You don't have a cat? Is that what you just said?

• 13:58Speaker 03

  I don't have a cat. No.

• 14:00Caleb Hammer?

  Okay. It's a very specific thing. Okay. I did not ask. Okay. All right. Um,

• 14:11Caleb Hammer?

  just you, no roommate. Who are you renting from? Someone you know?

• 14:14Speaker 03

  Yeah, yeah.

• 14:16Caleb Hammer?

  How do you know them?

• 14:17Speaker 03

  Um, it's my dad and yeah.

• 14:24Caleb Hammer?

  Okay.

• 14:27Caleb Hammer?

  Okay. So that's why you're late and you don't give a fuck.

• 14:33Speaker 03

  Yeah, it's not good. He's, I think I'm taking advantage of their kindness sometimes. A lot of the time.

• 14:40Caleb Hammer?

  Yeah, probably. So what are you doing to change that?

• 14:45Speaker 03

  It's a good question.

• 14:46Caleb Hammer?

  I would love a good answer. Uh, why, why do nothing?

• 14:51Speaker 03

  It feels like I'm not doing anything. I mean, I can start by being running all the time. That's, that'd be decent.

• 14:58Caleb Hammer?

  It's a good start.

• 14:59Speaker 03

  Yeah, probably making myself more competent in general would be good.

• 15:03Caleb Hammer?

  Well, you're not an incompetent person. Come on. You're socially awkward. You're not dumb.

• 15:08Speaker 03

  Socially awkward. Yeah.

• 15:10Caleb Hammer?

  Well, probably, right?

• 15:11Speaker 03

  Yeah, probably.

• 15:13Caleb Hammer?

  Right?

• 15:13Speaker 03

  Am I throwing those vibes at you?

• 15:16Caleb Hammer?

  No, you're artistic.

• 15:17Speaker 03

  Yeah, yeah.

• 15:18Caleb Hammer?

  Yeah.

• 15:18Speaker 03

  Yeah.

• 15:19Caleb Hammer?

  It's not a bad thing.

• 15:20Speaker 03

  Okay, yeah.

• 15:21Caleb Hammer?

  Um, but that doesn't mean you're not fucking able to make decisions.

• 15:26Speaker 03

  True.

• 15:28Caleb Hammer?

  Okay.

• 15:29Speaker 03

  How do you know which decisions are the right decisions?

• 15:31Caleb Hammer?

  Well, you look things up. You become educated. You ask for advice. Do you do any of that? Do you, what, what do you do?

• 15:38Speaker 03

  I get stuck on what to do.

• 15:41Caleb Hammer?

  Okay, so no dating to hold on to. When was your last relationship? I need something for you to latch on to.

• 15:46Speaker 03

  Yeah, I had a relationship, I think, I don't know.

• 15:49Caleb Hammer?

  You think you don't know?

• 15:50Speaker 03

  March. Well, I'm trying to think of dates.

• 15:53Caleb Hammer?

  Just about.

• 15:54Speaker 03

  Yeah, about March is when I broke up with him.

• 15:56Caleb Hammer?

  That's when it ended.

• 15:57Speaker 03

  Yeah.

• 15:58Caleb Hammer?

  I told you.

• 15:59Speaker 00

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• 16:17Speaker 00

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• 16:29Caleb Hammer?

  It's June.

• 16:35Speaker 03

  Well, that's the only one that was a him.

• 16:37Caleb Hammer?

  Yeah, yeah. Sticking in the butt. I get it.

• 16:40Speaker 03

  Oh, gosh.

• 16:41Caleb Hammer?

  It happens. We've all done.

• 16:46Speaker 03

  I don't think I'll go back to that.

• 16:48Caleb Hammer?

  Alright, don't be homophobic.

• 16:50Speaker 03

  Yeah, it is June.

• 16:52Caleb Hammer?

  Just call me a Jew?

• 16:54Speaker 03

  No, it's June.

• 16:56Caleb Hammer?

  This is a weird conversation. Okay. Um, was it a Discord relationship?

• 17:01Speaker 03

  It started on Discord, yeah. How'd you know that? Oh, I got it.

• 17:05Caleb Hammer?

  What?

• 17:05Speaker 03

  How'd you know that?

• 17:07Caleb Hammer?

  I know you.

• 17:08Speaker 03

  Okay.

• 17:10Caleb Hammer?

  I know you.

• 17:11Speaker 03

  Have we met before?

• 17:13Caleb Hammer?

  No, but we all, you know, when you meet enough people.

• 17:15Speaker 03

  Okay, gotcha.

• 17:16Caleb Hammer?

  Maybe I'm a sidekick. Okay, okay, okay. Last one I met on Reddit. Are you trying to, are you trying to date? Cause I need you to have a hope for life. If you're actually in the situation where like, what's the point? There is no point. There actually is not a point if there is no point. You have to find your purposes.

• 17:31Speaker 03

  No, I, I'm really not looking to date. I'm just gonna, like, when I tell my mom, I'm.

• 17:35Caleb Hammer?

  What ambitions do you have?

• 17:36Speaker 03

  I'm working on myself.

• 17:37Caleb Hammer?

  Okay, do you wanna rent from someone that's not your parents?

• 17:39Speaker 03

  Y- yeah, yeah.

• 17:41Caleb Hammer?

  Why do you rent from them specifically?

• 17:43Speaker 03

  Well, because I was, when I moved out, I was getting an apartment and they're like, well, oh, cause you know, I had it all set up to get an apartment somewhere else. And they're like, just go in here, it'll be nicer.

• 17:56Caleb Hammer?

  So they're enabling, oh, they're coddling beyond coddle.

• 17:59Speaker 03

  They, they, yeah.

• 18:00Caleb Hammer?

  Oh, that is not good for you. And look how it's turned out.

• 18:03Speaker 03

  Yeah.

• 18:04Caleb Hammer?

  You just don't have anything to, you look, okay, how's your friend situation, Everett?

• 18:07Speaker 03

  I don't have many friends in Everett.

• 18:12Speaker 03

  I'm Discord friends.

• 18:13Caleb Hammer?

  Okay, where, is there like a best friend?

• 18:16Speaker 03

  Uh, no. Maybe, I mean, I have, I have friends that, I go.

• 18:21Caleb Hammer?

  Where would, where does this person live?

• 18:23Speaker 03

  Oh, uh, there's people.

• 18:26Caleb Hammer?

  Your favorite?

• 18:27Speaker 03

  Right now?

• 18:28Caleb Hammer?

  That you would wanna, right now? Someone that you would wanna hang out with on a consistent basis?

• 18:33Speaker 03

  Uh, maybe Canada or Texas.

• 18:35Caleb Hammer?

  Okay, move to Texas then.

• 18:37Speaker 03

  Okay.

• 18:38Caleb Hammer?

  Be around them. I need you to have a reason. If there is no reason, then there is no reason. That is true, to a certain extent.

• 18:46Speaker 03

  That makes sense.

• 18:48Caleb Hammer?

  Well, I mean, I think. It's not me, is it?

• 18:50Speaker 03

  No. Okay.

• 18:54Speaker 03

  Oh, I didn't understand, but yeah, no.

• 18:56Caleb Hammer?

  Okay, okay. I'm also not gonna bottom for you either, so.

• 19:07Caleb Hammer?

  What?

• 19:07Speaker 03

  What?

• 19:08Caleb Hammer?

  Did you get the joke?

• 19:10Speaker 03

  No.

• 19:11Caleb Hammer?

  Oh, okay.

• 19:15Caleb Hammer?

  Okay, Lindsay told me, is telling me, uh, before we go into the finances, I'm just trying to get you, I'm trying to understand, and I'm honestly, I am gonna struggle of like, hey, we gotta do this, this, this, in order to do this, cuz I don't know what the fuck you want to do. And that is gonna be hard, but I'm gonna at least try my best to help you through your finances and kinda assess where you are and make the math work and figure out where you should go, but Lindsay told me you wanna show me something.

• 19:38Speaker 03

  My pencil sharpener.

• 19:41Caleb Hammer?

  You are carrying around a pencil sharpener?

• 19:44Speaker 03

  No, this thing's great, Caleb.

• 19:45Caleb Hammer?

  I didn't say it was bad.

• 19:47Speaker 03

  Look at this, uh, it applies the pressure constantly, so it's always gonna be the same sharpness.

• 19:51Caleb Hammer?

  This is the most excited you've been this entire conversation, okay?

• 19:54Speaker 03

  Yeah, yeah, yeah, yeah.

• 19:57Speaker 03

  Yeah, and then you can make it, you have to make it sure, I, I like to do it with my black wing pencils, but I don't have my black wing pencils right now.

• 20:03Caleb Hammer?

  Okay, well, I'm not racist like that.

• 20:05Speaker 03

  Yeah, well, they're, they come in white too, but.

• 20:07Caleb Hammer?

  Thank God.

• 20:10Speaker 03

  You don't know those pencils?

• 20:12Caleb Hammer?

  No, I don't.

• 20:14Speaker 03

  What?

• 20:14Caleb Hammer?

  I used to pen.

• 20:16Speaker 03

  Oh, my gosh. Pens are good.

• 20:18Caleb Hammer?

  Is it gonna sharpen?

• 20:19Speaker 03

  Yeah, yeah, yeah, I had it on the other side in right now, but it's already pretty sharp.

• 20:22Caleb Hammer?

  It's very messy.

• 20:24Speaker 03

  No.

• 20:26Speaker 03

  Doesn't go anywhere.

• 20:30Caleb Hammer?

  When you take it out, it goes everywhere, Caleb.

• 20:32Speaker 03

  Why'd you do it? Well, I had to show you, right?

• 20:35Caleb Hammer?

  Okay, what else?

• 20:37Speaker 03

  I chew on my pencil. What else?

• 20:40Caleb Hammer?

  Is there anything else?

• 20:41Speaker 03

  No, I don't, I don't think so.

• 20:42Caleb Hammer?

  What else is in your magic backpack, Lindsay wants to know?

• 20:45Speaker 03

  I have lots of stuff in my backpack.

• 20:46Caleb Hammer?

  Can we see?

• 20:47Speaker 03

  Uh, no, cuz it's mostly disclosed. I flew here, so I had to like, do the carry-on backpack sorta deal. Just put everything in there.

• 20:58Caleb Hammer?

  Anything else I should know about you so that I know you as a human? So that it makes sense as we're assessing your finances? I will tell you this, we know it comes in 3,883 usually, of course, last month was uh 3,040 from income PayPal is 589, what's that? 589 total, not one time.

• 21:20Speaker 03

  589, it depends, it's probably figures.

• 21:23Caleb Hammer?

  Why the did mom send you 245 dollars?

• 21:25Speaker 03

  Cause she, she's linked to my bank account, so she probably saw I was low.

• 21:31Caleb Hammer?

  Do you wanna be independent?

• 21:32Speaker 03

  Yes.

• 21:33Caleb Hammer?

  Okay, so there's that, we have that, is that a goal?

• 21:36Speaker 03

  Yeah, that can be a goal, yeah.

• 21:37Caleb Hammer?

  Why, do, why do you wanna be independent?

• 21:38Speaker 03

  Cause I don't think it's good and I can't rely, I can't rely on it forever.

• 21:42Caleb Hammer?

  No.

• 21:43Speaker 03

  No, for sure. Yeah, I feel bad for them, I don't think, you know, they grew up pretty poor, so I don't think they understand too much of that stuff.

• 21:54Caleb Hammer?

  What have you been diagnosed with?

• 21:56Speaker 03

  Oh, I have, I have a kind of severe autism and really, really bad ADHD.

• 22:02Caleb Hammer?

  Okay.

• 22:03Speaker 03

  Yeah.

• 22:03Caleb Hammer?

  Okay. So nothing that prevents you from having a real conversation and being? Okay, good, I just wanted to make sure.

• 22:12Speaker 03

  Yeah, no, I'm processing it, I just don't know if I'm.

• 22:14Caleb Hammer?

  I wanted to make sure this was an appropriate conversation.

• 22:17Speaker 03

  Yeah.

• 22:17Caleb Hammer?

  Does that make sense?

• 22:18Speaker 03

  Yeah, I gotcha.

• 22:19Caleb Hammer?

  But it is, cause autism is autism and ADHD is ADHD, what America doesn't have. Huh?

• 22:25Speaker 03

  But.

• 22:26Caleb Hammer?

  Well, yeah.

• 22:26Speaker 03

  Yeah.

• 22:29Caleb Hammer?

  Okay.

• 22:31Caleb Hammer?

  Trust me, the tism flows hard through here.

• 22:33Speaker 03

  Austin, autism.

• 22:37Caleb Hammer?

  Mm-hmm. So your mom sent you money because you were low, I mean, how much do you think you spent last month? Does Zuko's debt going up and stuff like that as well?

• 22:45Speaker 03

  Oh, 3,700?

• 22:47Caleb Hammer?

  4,416 dollars and five cents.

• 22:50Speaker 03

  Okay, gotcha.

• 22:52Caleb Hammer?

  She's spending a thousand more, well, actually, that's 1,500 more than came in.

• 22:56Speaker 03

  Yeah.

• 22:57Caleb Hammer?

  Why? Um, why would you allow this?

• 23:03Speaker 03

  Maybe I had, well, obviously, I didn't have the money in my bank account if mom sent me money.

• 23:09Caleb Hammer?

  Yeah. All right, let's talk about credit. Not the fun kind of credit rewards or perks, but the kind that slams doors in your face when it's bad. Can't get a decent car loan? Denied for an apartment? Yeah, a lot of us have been there. But that is where Kickoff comes in. I found Kickoff when I realized I needed to take my credit seriously and fast. Sign up and you can get a Kickoff trade line just for building credit. It's not for spending? Then pick a plan, make small monthly payments on time, and Kickoff reports it to all three major credit bureaus. Plans start at just five bucks a month, and you can start building credit immediately for only a dollar for your first month. One dollar, no credit check, no interest.

• 23:54Caleb Hammer?

  Cancel anytime. It's credit building without a catch. Kickoff targets key credit factors: payment history, credit mix, and utilization. Users with credit under 600 saw an average gain of 84 points in their first year with on-time payments. And yeah, that is real data. So start building credit with Kickoff today. Get your first month for as little as $1 at getkikoff.com/caleb. That is K-I-K-O-F-F.com/caleb. Must sign up via getkikoff.com/caleb to activate offer. Offer applies to new customers first month only. Individual results may vary. Subject to approval, offer subject to change. Terms and conditions may apply. Kickoff credit service starts at $5 a month for 12 months. Average first-year credit score impact plus 84 points. Standard score 3.0 between January 2023 and January 2024 for Kickoff credit account users to start with a score below 600 who paid on time and who had no delinquencies or collections added to their credit during the period. Late payments may negatively impact your credit score. Thanks again to Kickoff for sponsoring today's video.

• 24:39Caleb Hammer?

  Let's get back to it.

• 24:40Speaker 03

  So, it's a good question. Probably not paying attention to it would be my primary reason, but everybody can say that.

• 24:48Caleb Hammer?

  Yeah.

• 24:50Speaker 03

  Getting things you want.

• 24:53Speaker 03

  Too much time. I have too much time on my hands. I need to be focused on stuff.

• 24:56Caleb Hammer?

  Yeah, so you're just a hobby. Focus on the hobbies hardcore. That can be hard. That can be expensive when you don't have a large budget and you hobby hop like crazy.

• 25:07Caleb Hammer?

  Can we make a goal to have you?

• 25:10Speaker 03

  Independent?

• 25:11Caleb Hammer?

  Not just independent, I want you, I kinda want you to leave Everett. I want you to leave from your, what?

• 25:17Speaker 03

  Oh, no, that's fine.

• 25:18Caleb Hammer?

  I want you to experience something outside of your small town. It's not bad to be in a small town, but you're definitely very sheltered and mommy and daddy are coddling you. So I really want you to get some exposure.

• 25:28Speaker 03

  I got you.

• 25:29Caleb Hammer?

  To the world. I want you to start making some friends, you know? A D and D night, the vibes, right?

• 25:34Speaker 03

  I don't like D and D.

• 25:35Caleb Hammer?

  Okay, uh, go to the bottoms up gay club that I assume exists somewhere close.

• 25:42Speaker 03

  I don't like that either.

• 25:44Caleb Hammer?

  Uh, the cum dump.

• 25:49Speaker 03

  I mean, it's like, uh, maybe, I mean, Pokemon's good, that's good.

• 25:52Caleb Hammer?

  Huh?

• 25:53Speaker 03

  Maybe stationary, stationary is fun.

• 25:57Caleb Hammer?

  Where, where is, huh, is that a place?

• 25:59Speaker 03

  Trains, dinosaurs, they're good.

• 26:02Caleb Hammer?

  I'm confused, I'm confused, I'm sorry.

• 26:04Speaker 03

  You're trying to find hobbies or something, right? You said D and D night and then I was like, I don't really like.

• 26:09Caleb Hammer?

  You could go to dinosaurs.

• 26:10Speaker 03

  Yeah.

• 26:12Caleb Hammer?

  Is that a thing?

• 26:13Speaker 03

  I don't know.

• 26:16Speaker 03

  No, it's not a thing.

• 26:19Caleb Hammer?

  No dinosaur club?

• 26:20Speaker 03

  I don't think there's a dinosaur club.

• 26:21Caleb Hammer?

  Is there a train club?

• 26:24Speaker 03

  Probably be a train club. I know my one neighbor was really into trains back in the day.

• 26:29Caleb Hammer?

  Okay.

• 26:35Caleb Hammer?

  How do you feel about leaving Everett?

• 26:37Speaker 03

  I think it would be good. I think I need to leave Everett eventually.

• 26:40Caleb Hammer?

  Okay, eventually, can we, like, you don't have a term, you're renting with your parents, you could leave whenever.

• 26:44Speaker 03

  Yeah.

• 26:44Caleb Hammer?

  If we can get you to a financially sound place, emergency fund.

• 26:47Speaker 03

  They're, they're eventually selling that, but yeah.

• 26:49Caleb Hammer?

  Do they have a timeline?

• 26:50Speaker 03

  Oh, as soon as they can.

• 26:52Caleb Hammer?

  Then why the fuck did they offer it to you? What do I not know?

• 26:56Speaker 03

  Oh, no, I'm just running, you know, well.

• 26:58Caleb Hammer?

  Yeah, no, of course.

• 26:59Speaker 03

  Just the one unit, but I'm not selling the whole building.

• 27:02Caleb Hammer?

  Yeah, but then, yeah, but then you'll be a tenant to a real landlord, you'll be locked into a lease.

• 27:06Speaker 03

  Yeah.

• 27:07Caleb Hammer?

  Uh, okay, so the goal then.

• 27:12Speaker 03

  Is to leave Everett.

• 27:14Caleb Hammer?

  The goal is to get out there, have a fully funded emergency fund, so we can leave Everett.

• 27:18Speaker 03

  Okay.

• 27:20Caleb Hammer?

  Well, if we go to a place where you can find a community, really, really settle down, get some exposure from the world and disconnect from our parents financially and life controlling. Not love, not anything like that. Go home all the time. I'm good with that. Okay. But mommy in the checking account? Not anymore. They're keeping the roof over our head? Not anymore. Need you to get out there.

• 27:44Speaker 03

  Yeah.

• 27:46Speaker 03

  Yeah, I mean, I definitely do need.

• 27:48Caleb Hammer?

  Do you like meeting new people?

• 27:49Speaker 03

  Meeting new people? No, I kind of nervous meeting people.

• 27:52Caleb Hammer?

  Me too. Me too.

• 27:54Speaker 03

  I'd rather read.

• 27:57Caleb Hammer?

  Yeah, yeah, yeah, yeah. Okay. I get it. Maybe a reading club.

• 28:01Speaker 03

  Reading club, maybe a reading club.

• 28:02Caleb Hammer?

  Trust me, if you want the literal hottest women in Austin.

• 28:05Speaker 03

  Uh, book clubs, really?

• 28:07Caleb Hammer?

  No, well, I, I'm sure you could find a couple twinks there as well, but hottest women. So you're right. I don't know your type. Maybe a couple bears. Uh, the bookshops, the bookshops on a weekend. Crazy world, crazy world, crazy world.

• 28:25Speaker 03

  Why would you know?

• 28:25Caleb Hammer?

  Girlfriend, you don't hear me saying this, but crazy world out there. We technically go there together and.

• 28:30Speaker 03

  What's your genre? What do you read?

• 28:32Caleb Hammer?

  What do you read?

• 28:33Speaker 03

  White women.

• 28:35Caleb Hammer?

  What?

• 28:42Caleb Hammer?

  Sorry.

• 28:44Caleb Hammer?

  It's a silly episode so far, so.

• 28:47Caleb Hammer?

  Let's do some math.

• 28:48Speaker 03

  Okay.

• 28:50Caleb Hammer?

  From a range of zero to 10, what do you think your financial score is? Zero being the worst, 10 being the best.

• 28:56Speaker 03

  Including zero?

• 28:57Caleb Hammer?

  Yeah.

• 28:58Speaker 03

  Zero.

• 28:59Caleb Hammer?

  Okay. Why'd you let it get so?

• 29:02Speaker 03

  Um.

• 29:04Caleb Hammer?

  Because you don't care. We kind of established this. That's okay.

• 29:06Speaker 03

  Yeah, I just fall into some bad habits.

• 29:09Caleb Hammer?

  If you want to know your financial score, go to Calebhammer.com or click that link in the description below. And if you want to come on the show, go to Calebhammer.com/apply. What are you looking?

• 29:18Speaker 03

  Uh.

• 29:18Caleb Hammer?

  You're good?

• 29:19Speaker 03

  I was looking at like, yeah.

• 29:20Caleb Hammer?

  It's right.

• 29:23Caleb Hammer?

  PayPal Credit, what's going on?

• 29:26Speaker 03

  Uh, PayPal Credit. Um, I use that to buy stuff online. It's easy if I don't have money in my bank account, because everything's PayPal nowadays.

• 29:36Caleb Hammer?

  What do you buy?

• 29:37Speaker 03

  I'm sure you use everything PayPal nowadays. I mean, figures, anything online.

• 29:41Caleb Hammer?

  What are these figures? Do you have one?

• 29:42Speaker 03

  Concerts.

• 29:43Caleb Hammer?

  No, I should have brought one. You should have brought one, comfort anime.

• 29:47Speaker 03

  Comfort anime. I almost brought plushy, but I think I lost her when I was leaving the house. I hope I didn't lose her in the airport, that would be terrible.

• 29:53Caleb Hammer?

  Horrible.

• 29:53Speaker 03

  Horrible.

• 29:54Caleb Hammer?

  I would never do that.

• 29:55Speaker 03

  Yeah.

• 29:56Caleb Hammer?

  Okay.

• 29:57Speaker 03

  It's like a $200 plushy.

• 29:59Caleb Hammer?

  And you lost it?

• 30:01Speaker 03

  I think it's in my car.

• 30:04Speaker 03

  Well, this is a 3000.

• 30:08Caleb Hammer?

  Okay. I just wanted to make sure you didn't lose the $200 thing. Uh, they told me you have pictures of the figures. Can I see?

• 30:15Speaker 03

  I, yeah.

• 30:16Caleb Hammer?

  And we'll put them on screen for everyone.

• 30:17Speaker 03

  Yeah, I don't have my phone.

• 30:19Caleb Hammer?

  Where is it?

• 30:19Speaker 03

  I don't know.

• 30:21Caleb Hammer?

  You don't know where your phone is?

• 30:22Speaker 03

  Well, it's okay, don't play.

• 30:24Speaker 04

  No, I gave it back.

• 30:25Caleb Hammer?

  No.

• 30:26Speaker 03

  You what?

• 30:27Caleb Hammer?

  You have your phone.

• 30:30Speaker 03

  No.

• 30:31Speaker 04

  Like when we did the trade.

• 30:32Speaker 03

  Oh, well, I guess I lost my phone.

• 30:35Caleb Hammer?

  Go find it.

• 30:37Speaker 04

  I'll, I'll go.

• 30:38Caleb Hammer?

  Okay, um, posters. Oh, this is a goon cave, if I've seen one.

• 30:45Speaker 03

  It does look like a goon cave, doesn't it?

• 30:47Caleb Hammer?

  You know gooning, but you don't know what their word... Okay.

• 30:51Speaker 03

  I, I, I, I am on the internet sometimes.

• 30:54Caleb Hammer?

  We talked, before the conversation, we had like a three-minute conversation. Usually it's the producers onboarding and everything, and onboarding videos and all this stuff before.

• 31:01Speaker 03

  Yeah.

• 31:02Caleb Hammer?

  But, uh, we were talking and I was like, hey, you know, just have fun, make sure you're talking. Uh, be, be yappy, you know, we tell people to be yappy.

• 31:09Speaker 03

  Excited.

• 31:10Caleb Hammer?

  Sometimes people are a bit nervous. He didn't know what the word yapping was, but he knows what the word goon is.

• 31:14Speaker 03

  I didn't know what you meant in that context, yeah.

• 31:17Caleb Hammer?

  What other yap is there?

• 31:19Speaker 03

  Yap.

• 31:19Caleb Hammer?

  Okay, this is a horny... Those are tits.

• 31:23Speaker 03

  Oh, good, go, go, there's more.

• 31:24Caleb Hammer?

  I'm, trust me. Dude, I don't wanna know how many crusty socks are in this room.

• 31:30Speaker 03

  Crusty socks?

• 31:34Speaker 03

  No.

• 31:38Caleb Hammer?

  Okay, this is, this is insane. And you spent how many thousands on all this?

• 31:43Speaker 03

  That's, then we're done.

• 31:45Caleb Hammer?

  That's your hat?

• 31:46Speaker 03

  Yep. It's a $5,000 hat.

• 31:50Caleb Hammer?

  The fucking why?

• 31:52Speaker 03

  I bought a $5,000 hat. That was before I got into debt, but yeah, it was not a good decision.

• 31:58Caleb Hammer?

  Sell it!

• 31:59Speaker 03

  I can't, I kinda, it's gonna ruin now.

• 32:02Caleb Hammer?

  From your fucking... No, I, I see what's around that room. I know we'll be dropping loads.

• 32:09Speaker 03

  My parents' cat kinda ruined it and then I kinda got toothpaste on it, I think.

• 32:13Caleb Hammer?

  Toothpaste?

• 32:14Speaker 03

  It doesn't really get out, I can't, I don't know.

• 32:16Caleb Hammer?

  The toothpaste can't get out?

• 32:17Speaker 03

  No, it can't. Oh, I get it.

• 32:20Caleb Hammer?

  Okay.

• 32:21Speaker 03

  I get it. No. That's funny though.

• 32:25Caleb Hammer?

  Thank you.

• 32:30Caleb Hammer?

  What is happening with the PayPal credit?

• 32:32Speaker 03

  Um, like I said, I just, bad, if I have to buy something and I don't have money on it, I can just put it on the PayPal credit because everything's PayPal.

• 32:41Caleb Hammer?

  It's, it's, it's, it's, it's at $408.03, the minimum monthly payment of $30.

• 32:50Speaker 03

  Okay, $3.

• 32:52Caleb Hammer?

  Yes, but you...

• 32:55Caleb Hammer?

  Well...

• 32:57Speaker 03

  Payments credits.

• 32:58Caleb Hammer?

  Looks like you pay this off every month.

• 33:00Speaker 03

  Yeah, I've never had interest.

• 33:02Caleb Hammer?

  Well, it's occurred. I'm gonna cross that one off, but you're still purchasing $415.91. Why are you purchasing that much money? If you are literally missing a $500 rent, 400 whatever.

• 33:14Speaker 03

  450.

• 33:15Caleb Hammer?

  Yeah, 450, then why are you purchasing $415 on PayPal credit?

• 33:18Speaker 03

  I could get the rent.

• 33:20Caleb Hammer?

  Huh?

• 33:20Speaker 03

  Yeah, that could go the rent, yeah.

• 33:22Caleb Hammer?

  Yes, that's what, that's what I'm saying.

• 33:24Speaker 03

  Yeah. Um, I don't know what's, I, I'm making, I'm purchasing things like, I, like, like I said, if it's online and I don't have money, I can do it.

• 33:34Caleb Hammer?

  What's FastSpring?

• 33:35Speaker 03

  FastSpring?

• 33:36Caleb Hammer?

  Yeah, $7.42.

• 33:40Speaker 03

  Fast, I don't know if that's.

• 33:41Caleb Hammer?

  FastSpring.

• 33:42Speaker 03

  FastSpring.

• 33:43Caleb Hammer?

  $7.42.

• 33:45Speaker 03

  Fa, what's fa, what do you mean FastSpring?

• 33:49Caleb Hammer?

  That's what it's, the description of the purchase.

• 33:51Speaker 03

  Okay, wait, let me look.

• 33:56Caleb Hammer?

  We, we had Matt, the security guard, check this bag, right? This is a fun one. I get to get you free money and then I get to get. Myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings Account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now.

• 34:45Speaker 03

  I don't think I have my PayPal credit on there.

• 34:50Speaker 03

  Spring. So which one are you looking at?

• 34:51Caleb Hammer?

  PayPal credit?

• 34:53Speaker 03

  Yeah.

• 34:55Speaker 03

  Consolidated. I probably don't have it. Sorry.

• 34:59Caleb Hammer?

  After all that, you don't have that seed.

• 35:06Speaker 03

  Trust. I printed these out very haphazardly.

• 35:11Caleb Hammer?

  Come on, all of this and you don't have a fucking...

• 35:14Speaker 03

  Afforded notice. Oh, here we go. Wait, no, that's Capital One again. Why do I have three Capital Ones?

• 35:22Speaker 03

  Okay, yeah, I don't know what Fastspring is. It might be...

• 35:25Caleb Hammer?

  Okay, and $408.49 spent on Ann and Mamie.

• 35:32Speaker 03

  And?

• 35:32Caleb Hammer?

  Amy, Amy. And Mamie?

• 35:34Speaker 03

  Yeah, that's where I mostly buy enemy figures at.

• 35:36Caleb Hammer?

  I thought you were done.

• 35:38Speaker 03

  Significantly less than a thousand.

• 35:42Caleb Hammer?

  This is $408.49.

• 35:45Speaker 03

  $408, yeah.

• 35:46Caleb Hammer?

  That's your rent and you're not paying your rent.

• 35:49Speaker 03

  Yeah. That was the only one that month, though.

• 35:54Caleb Hammer?

  That isn't... But that's your rent. That doesn't matter that that's the only one. That is the amount. If you are not paying your rent on time, how are you gonna live on your own if you cannot pay your rent on time?

• 36:03Speaker 03

  I would have to get more discipline.

• 36:05Caleb Hammer?

  Exactly, but that's why I'm saying there's no chance of you being able to do that.

• 36:09Speaker 03

  No, no, not with those habits, no.

• 36:11Caleb Hammer?

  Exactly, but you're doing nothing to change it.

• 36:15Speaker 03

  Yeah.

• 36:16Caleb Hammer?

  You have your fucking goon cave, you've maxed it out to the fucking, just the tits. Galore.

• 36:22Speaker 03

  Yeah, run out of space.

• 36:23Caleb Hammer?

  Like I said, go to a coffee shop. In Pittsburgh.

• 36:26Speaker 03

  Pittsburgh, yeah.

• 36:27Caleb Hammer?

  Or DC.

• 36:29Speaker 03

  DC.

• 36:29Caleb Hammer?

  Okay, Pittsburgh.

• 36:30Speaker 03

  Pittsburgh, yeah.

• 36:31Speaker 01

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• 37:01Speaker 03

  Pittsburgh, yeah.

• 37:02Caleb Hammer?

  Pittsburgh, coffee shop.

• 37:06Caleb Hammer?

  Attractive women. Just don't goon in public. I'm talking about approaching.

• 37:12Speaker 03

  Approaching, approaching people, okay.

• 37:14Caleb Hammer?

  Who's your celebrity crush?

• 37:16Speaker 03

  Uh.

• 37:19Speaker 03

  Chewie.

• 37:22Caleb Hammer?

  Huh?

• 37:24Speaker 03

  K-pop.

• 37:25Caleb Hammer?

  Spell it.

• 37:26Speaker 03

  T-Z.

• 37:28Caleb Hammer?

  Chewie starts with T?

• 37:29Speaker 03

  Yeah.

• 37:30Caleb Hammer?

  TC.

• 37:31Speaker 03

  TZ.

• 37:32Caleb Hammer?

  Okay, TZ.

• 37:33Speaker 03

  U-Y-U.

• 37:35Caleb Hammer?

  Okay, she's hot, but would I be racist to say she looks like all the rest of them? The K-pop, the K-pop women, the K-pop women.

• 37:44Speaker 03

  They, they look different.

• 37:46Caleb Hammer?

  Not Asians. I like the one that was in The White Lotus.

• 37:49Speaker 03

  Okay, yeah. I never watched White Lotus, to be honest.

• 37:52Caleb Hammer?

  Well, she was very hot.

• 37:53Speaker 03

  Okay.

• 37:55Caleb Hammer?

  Okay, so that's your type, so we're approaching those in the coffee shop.

• 37:59Speaker 03

  Yeah, my mom kind of gives my number out to any Asian woman she meets.

• 38:03Caleb Hammer?

  How does that work?

• 38:05Speaker 03

  She wants me to text this one girl, I don't, I don't think I will.

• 38:08Caleb Hammer?

  Do you know what she looks like?

• 38:09Speaker 03

  Yeah.

• 38:10Caleb Hammer?

  Can I see?

• 38:11Speaker 03

  Uh, duh, duh, duh, duh, duh. Where's my phone?

• 38:18Speaker 03

  I'd have to, I have to go to Facebook, then I have to bring up

• 38:21Caleb Hammer?

  Okay, well, no

• 38:22Speaker 03

  Social, then I have to sort by

• 38:24Caleb Hammer?

  Okay, I never mind. Okay, never mind.

• 38:28Caleb Hammer?

  I'm just saying, I need you to get, get you out of the house. Cause you keep buying Goon material and it's cost you hundreds of dollars a month. That's the point I'm trying to make.

• 38:37Caleb Hammer?

  Well, are you willing to sell all this?

• 38:39Speaker 03

  All of it?

• 38:40Caleb Hammer?

  Yes.

• 38:41Speaker 03

  Some of it's kind of hard to sell.

• 38:44Caleb Hammer?

  Why? Cause it has toothpaste all over it?

• 38:46Speaker 03

  No, because I mean, it's, they're, they're fairly rare.

• 38:51Caleb Hammer?

  Isn't that good to sell then?

• 38:54Speaker 03

  It is. I guess that's true, but I don't think I'd ever be able to get it again is the problem.

• 38:58Caleb Hammer?

  Good. I don't give a, make a lot of money and then you can get whatever collectibles you want.

• 39:04Speaker 03

  I thought about that. Yeah. If you just make

• 39:05Caleb Hammer?

  Yeah, but okay, what's the goal? Is the goal fucking Goon tits? All around the room or is the goal moving away and having a little bit of independence and separating from mommy and daddy?

• 39:15Speaker 03

  Move away.

• 39:16Caleb Hammer?

  Then sell the boobs!

• 39:18Speaker 03

  Send the boobs.

• 39:19Caleb Hammer?

  Sell the boobs.

• 39:21Speaker 03

  Gotcha.

• 39:22Caleb Hammer?

  Get online.

• 39:25Speaker 03

  Yeah.

• 39:25Caleb Hammer?

  And crank it old school.

• 39:27Speaker 03

  Crank it old school. eBay or what do you guys? Well, I mean, you could do, it's better. My figure collection is a little bit better. I could do Mercari.

• 39:40Caleb Hammer?

  I said a 30.39% interest rate, but again, you weren't, you're not holding a balance.

• 39:44Speaker 03

  Yeah, yeah. So I've never paid

• 39:45Caleb Hammer?

  But it's the money that could have gone towards debt, the rest of your debt and it's money that

• 39:50Speaker 03

  Yep.

• 39:51Caleb Hammer?

  Could have gone towards rent. Okay. This one has a balance substantially. Capital One, what's going on with this?

• 39:56Speaker 03

  Well, it's, it's over the limit, right? 3,500.

• 39:58Caleb Hammer?

  It is. Why is it over the limit?

• 40:01Speaker 03

  Cause I'm spending on it and incurring interest.

• 40:04Caleb Hammer?

  But your $400 on animation could have gone to this.

• 40:07Speaker 03

  Yeah.

• 40:08Caleb Hammer?

  Could have got this paid off even quicker.

• 40:10Speaker 03

  Yeah. I don't remember how that one ballooned up. I knew there was a concert that I spent a lot on merch on it, but I don't, that was like $500. So I don't know where the rest came from. I, I do use that for sheets.

• 40:21Caleb Hammer?

  Going to concerts? What concert?

• 40:23Speaker 03

  Oh, that was 8-0.

• 40:25Caleb Hammer?

  I don't know. Uh, okay. But that shows that you at least want to get out there and do stuff.

• 40:29Speaker 03

  Yeah, yeah, that was fun. I talked to people.

• 40:31Caleb Hammer?

  What's ADO?

• 40:32Speaker 03

  Uh, she's a Japanese singer. Doesn't show her face. She's really cool. She's like-

• 40:37Caleb Hammer?

  I hope you keep it in private.

• 40:40Speaker 03

  What do you mean by that?

• 40:42Caleb Hammer?

  Just hope it didn't happen there.

• 40:44Speaker 03

  No.

• 40:48Caleb Hammer?

  Just saying, I don't know.

• 40:49Speaker 03

  No, how can I, how can I, she's, she doesn't, I don't, we don't know what she looks like.

• 40:54Caleb Hammer?

  Listen buddy, I'm putting you in two camps. Goonin' all day or school shooter. So it's like-

• 40:59Speaker 03

  School shooter?

• 41:01Speaker 03

  Really? I've never had that before. That's interesting.

• 41:06Speaker 03

  It's really interesting. Alright.

• 41:10Caleb Hammer?

  And listen, the fact is, you purchased seventy-one dollars fifty-four cents.

• 41:17Speaker 03

  Yeah, that was probably mostly sheets.

• 41:19Caleb Hammer?

  Sheets?

• 41:20Speaker 03

  Yeah. You don't know what sheets is?

• 41:22Caleb Hammer?

  You got toothpaste all over your set?

• 41:26Speaker 03

  What? Do you not, sheets?

• 41:28Caleb Hammer?

  Oh, the location sheets?

• 41:30Speaker 03

  The, the, that's not fast food. Um, gas, convenience store.

• 41:34Caleb Hammer?

  What are you getting there?

• 41:35Speaker 03

  What do you guys, like a Wawa? Does that make sense?

• 41:38Caleb Hammer?

  What are you getting there? I, I understand.

• 41:40Speaker 03

  Yeah, yeah, yeah. Um, probably breakfast.

• 41:44Caleb Hammer?

  Okay, so fucking, you were, you got Google Play something, you got Audible, you got breakfast, you got breakfast-

• 41:51Speaker 03

  Oh yeah, I need to cancel that Audible.

• 41:52Caleb Hammer?

  And then Viz Media.

• 41:55Speaker 03

  Viz Media. So how much was that?

• 41:56Caleb Hammer?

  Three dollars and seventeen cents.

• 41:58Speaker 03

  Yeah, that was a subscription.

• 41:59Caleb Hammer?

  A subscription to what? You paying to chat?

• 42:02Speaker 03

  No, that's, uh, like anime, or not anime, manga. But I need to cancel. So I don't even use that.

• 42:08Caleb Hammer?

  You need to get out of this world, man!

• 42:10Speaker 03

  Yeah, I don't even use that. So-

• 42:14Caleb Hammer?

  At least, I'm surprised you don't have any Leffees this year, but you have lost three hundred and thirty-nine dollars and nineteen cents in interest.

• 42:20Speaker 03

  This year.

• 42:21Caleb Hammer?

  Yeah, and just this card, just this card.

• 42:23Speaker 03

  Okay.

• 42:24Caleb Hammer?

  It's the minimum monthly payment that is scaring me, because I know we have so much that we're stacking up.

• 42:30Caleb Hammer?

  I don't know.

• 42:31Speaker 03

  Just this year is kind of crazy, because it's been like four months, so.

• 42:35Caleb Hammer?

  Well, month number six, but I get it. I get it.

• 42:38Speaker 03

  Yeah.

• 42:44Speaker 03

  Okay.

• 42:46Caleb Hammer?

  Math.

• 42:46Speaker 03

  Math. Okay.

• 42:47Caleb Hammer?

  We're in the sixth month.

• 42:48Speaker 03

  Okay. Yeah. Well, that one's on the fourth.

• 42:52Caleb Hammer?

  Uh, actually. Actually, he's right.

• 42:59Caleb Hammer?

  He's right.

• 43:01Speaker 03

  It's like a hundred dollars a month on interest.

• 43:03Caleb Hammer?

  Yeah, it's insane. You lost in just this last month eighty-three dollars and eighty, uh, eighty-eight cents in interest. And yeah, I mean, the higher this balance goes, and now you're over, you're lucky you're not getting any fees. This is gonna get worse and worse. How long do you think this takes to pay off if you only make your minimum monthly payments and you don't purchase anything? Which, by the way, you're incapable of, because you always purchase.

• 43:21Speaker 03

  Yeah, isn't it usually like a factor of seventeen? So seventeen years?

• 43:25Caleb Hammer?

  Very close, eighteen.

• 43:26Speaker 03

  Oh, eighteen. Okay, gotcha. Yeah.

• 43:28Caleb Hammer?

  Huh, so sometimes the math works, sometimes it doesn't. I get it.

• 43:32Speaker 03

  It's a topological problem. It's funny.

• 43:34Caleb Hammer?

  Listen, I just, I don't think you can manage credit cards. I really just don't.

• 43:39Caleb Hammer?

  You shouldn't have credit cards.

• 43:40Speaker 03

  If they have balances on them right now, it's not good.

• 43:44Caleb Hammer?

  Yeah, but that's what happens. If you're, if you're above a credit limit and a credit interest on a credit card, you're not a credit card person.

• 43:51Speaker 03

  No.

• 43:51Caleb Hammer?

  It's as easy as that.

• 43:55Caleb Hammer?

  Do you accept that? That you cannot use credit cards?

• 43:59Speaker 03

  I think if I paid off all my balances and I just.

• 44:02Caleb Hammer?

  But are you? Are you?

• 44:03Speaker 03

  If I just use them and I pay them off as we go, that would be the way they use it.

• 44:07Caleb Hammer?

  That is the definition of a credit card person, but are you doing that?

• 44:10Speaker 03

  I'm not doing that right now.

• 44:12Caleb Hammer?

  So you shouldn't have credit cards, correct?

• 44:14Speaker 03

  I shouldn't have those credit cards now.

• 44:16Caleb Hammer?

  Good. It is a dangerous tool. It's a tool that can be used to benefit you, but the vast majority use it against themselves. Okay, they take back the hammer and they hit themselves in the face. Well, yes, yeah, absolutely. Well, and credit cards mostly make their money through transaction fees, but.

• 44:29Speaker 03

  Really? Okay.

• 44:30Caleb Hammer?

  Yes, but either way, you should not have a credit card.

• 44:34Speaker 03

  Okay.

• 44:34Caleb Hammer?

  Can we agree on that?

• 44:36Speaker 03

  I, I can agree with that. I should have less credit cards.

• 44:39Caleb Hammer?

  You shouldn't have credit cards.

• 44:42Speaker 03

  Okay.

• 44:44Caleb Hammer?

  And zero, because look what you've done with credit cards.

• 44:49Speaker 03

  I don't think my past is reflective that I can be trusted with credit cards.

• 44:54Caleb Hammer?

  What else would we judge you on about what you're gonna do than what you're doing now and then the past?

• 45:04Speaker 03

  Yeah. So if I, well, I can't do it unless I try, but yeah.

• 45:10Caleb Hammer?

  Do what?

• 45:12Speaker 03

  Do use the credit cards the way they're meant to be used?

• 45:14Caleb Hammer?

  Exactly, but what's the point? What's the point? Why do you care?

• 45:17Speaker 03

  That's true. What's the point of a credit card anyway?

• 45:22Caleb Hammer?

  Well, I like it for the rewards. I like it to build a credit score and I, you know, with a good credit score, I'm able to utilize leverage with real estate. That's why I did.

• 45:32Speaker 03

  Yeah.

• 45:33Caleb Hammer?

  Cause you just, you already said you don't care about getting a house.

• 45:35Speaker 03

  I don't think I'm looking for any of those benefits at this time, so I shouldn't use a credit card.

• 45:39Caleb Hammer?

  Yeah, what is the point? Is there a point? No, right?

• 45:43Speaker 03

  No.

• 45:43Caleb Hammer?

  So you'll close them all?

• 45:44Speaker 03

  Yeah.

• 45:46Caleb Hammer?

  Yes, you will.

• 45:47Speaker 03

  Yes, I will.

• 45:47Caleb Hammer?

  Good. I'll let you have the Fizz card, cause it acts as a debit card. It only lets you spend what's in your checking account. Cause remember how you said you literally spent on the last card when you don't have enough money in your checking account?

• 45:56Speaker 03

  Yeah.

• 45:56Caleb Hammer?

  Yeah, that at least counteracts that.

• 45:59Speaker 03

  So then what happens? It just cancels the transaction?

• 46:03Caleb Hammer?

  Huh?

• 46:03Speaker 03

  So then what happens if you try to do that?

• 46:06Caleb Hammer?

  Do what?

• 46:07Speaker 03

  Spend what's not in your bank account.

• 46:08Caleb Hammer?

  It'll let you decline.

• 46:10Speaker 03

  Yeah, okay.

• 46:11Caleb Hammer?

  Okay.

• 46:12Speaker 03

  Yeah.

• 46:13Caleb Hammer?

  You just gotta use tools that you're able to actually use. And clearly, you're not able to do this. I mean, listen, I have a note that says you got a ticket as a birthday gift to go see your big girl that you love, the Asian Addo, and you're planning to spend another $400 in merch again? $400 for merch? Listen dude, now here's the, here's an assessment. You'll love boobs. They're everywhere. They're all over your room.

• 46:41Speaker 03

  That's just the figures.

• 46:42Caleb Hammer?

  They're all over your room. She doesn't have any. So what are we even doing? Cognitive dissonance.

• 46:50Caleb Hammer?

  I'm joking.

• 46:51Speaker 03

  I mean, it's like real versus fake.

• 46:54Caleb Hammer?

  I'm joking. I'm joking. I'm joking.

• 46:57Speaker 03

  I got it.

• 46:57Caleb Hammer?

  I'm just saying, you're gonna spend $400 on merch?

• 47:00Speaker 03

  Yeah.

• 47:01Caleb Hammer?

  You said you told Lindsay you were going to. That's rent!

• 47:04Speaker 03

  Yeah, I mean, I already bought like the light stick.

• 47:08Caleb Hammer?

  A light stick? I used to think getting life insurance was like flossing. You know, you should do it, but somehow it ends up on your later list, right next to organizing tax receipts and canceling that gym membership you swore you'd use. But here's the deal. Waiting doesn't help your family if something unexpected happens, which is the whole point of having life insurance, and that is where Fabric by Gerber Life comes in. Fabric is a super simple, proactive way for parents to help protect a family's financial future. If you're a parent, then you know this stuff matters, and especially if you're young and healthy. The time to lock in rates is right now. Fabric is made for busy parents. You can apply entirely online on your own time, and you could be offered coverage in less than 10 minutes,

• 47:49Caleb Hammer?

  and you might not even need a health exam. Even if you've got life insurance through work, it might not be enough, and it probably disappears if you switch jobs. Fabric's policies, they're yours to keep. Plus, they're affordable, like a million dollars in coverage for less than a dollar a day affordable. And there's no risk. There's a 30-day money-back guarantee, so you can cancel at any time. Plus, they have over 1,900 5-star reviews on TrustPilot with a rating of excellent. So, this is the real deal, and Fabric is more than term life insurance. Think free digital wills, tools to invest for your kid's future, and more, all in one place. And it's all accessible right from your phone. So do what thousands of smart parents have already done. Apply right now at meetfabric.com/caleb. That is meetfabric.com/caleb.

• 48:33Caleb Hammer?

  M-E-E-T-fabric.com/caleb. Thanks, Fabric. Let's get back to the episode. If you aren't earning up to $5,000 every single year just for holding your investments, then honestly, why are you even still with your broker? Today's sponsor, Silo, is the world's first cash-back investing platform. And if you deposit using my link, they'll boost your balance by 1% every single year for life, not a typo. Every year, forever. Let me break that down. I've got $100,000. In the S and P 500 V O O E T F with Silo. And that's a $1,000 bonus every single year stacked on top of the average 9% market growth. And over time, instead of growing to 3.2 million dollars like usual with Silo bonuses, it grows to 3.8 million dollars. That's an extra $600,000 just for parking my money smarter.

• 49:18Caleb Hammer?

  1,000 hours extra year is a no brainer for 10 hours a month. And here's the kicker. Silo makes switching easy. You can transfer your existing stocks and ETFs in just four business days. And if your old broker charges those pesky transfer fees, Silo covers those as well, but only until the end of this month. So if you want to earn up to 5,000 hours every single year, don't wait. Use my link silomarkets.com slash Caleb to transfer your brokerage for free while you still can. I've taken advantage of this and you should too. Let's get back to the video. Sort of like a.

• 49:49Speaker 03

  Actually, I think I probably have a.

• 49:53Caleb Hammer?

  The backpack is bottomless.

• 49:55Speaker 03

  It's. I don't know where I put it.

• 49:57Caleb Hammer?

  Probably put it in the state, the fucking pencil sharpener.

• 50:01Speaker 03

  No.

• 50:03Speaker 03

  Huh? But it's like a.

• 50:05Caleb Hammer?

  Get it?

• 50:06Speaker 03

  I don't know where it is.

• 50:07Caleb Hammer?

  In the backpack?

• 50:08Speaker 03

  I don't think I can find it. To be honest with you. This backpack is amazing.

• 50:16Speaker 03

  Yeah, I'm not gonna be able to find it. I'm sorry.

• 50:19Caleb Hammer?

  So this thing we're very excited to purchase, you cannot find in a backpack. Okay.

• 50:27Caleb Hammer?

  Okay, okay, up here.

• 50:28Speaker 03

  Yeah, sorry.

• 50:29Caleb Hammer?

  It's okay. So. Why are you allowing yourself to spend another 400 hours on merch, man? That is your rent. That is potential freedom getting out of Evittville. Yeah, Everettville.

• 50:41Speaker 03

  Everettville, yeah.

• 50:42Caleb Hammer?

  Yeah, that is your path out.

• 50:45Speaker 03

  Yeah, because I want it.

• 50:47Caleb Hammer?

  What do you want more, though? I want, I need you to get exposure in life. I need you to have something.

• 50:54Speaker 03

  Well, it's probably.

• 50:54Caleb Hammer?

  And merch isn't what does it.

• 50:55Speaker 03

  What is, what are the goals, right? Like right now, I'm just driving myself towards merch, merch, merch, anime figures.

• 51:01Caleb Hammer?

  Exactly, but this is what you're still gonna do.

• 51:04Speaker 03

  Impulsive desires as opposed to something more solid.

• 51:07Caleb Hammer?

  And you prefer?

• 51:10Speaker 03

  Impulsive desires at the moment.

• 51:12Caleb Hammer?

  Then why are we having this conversation?

• 51:14Speaker 03

  Cause that's not sustainable.

• 51:18Caleb Hammer?

  I agree, and I'm telling you what to do, but you're saying no?

• 51:21Speaker 03

  Yeah. I could try not to purchase for ADO concert. Well, I don't even know, like, what merch would I buy? It's a good question.

• 51:34Caleb Hammer?

  You'd have a good time in Thailand.

• 51:36Speaker 03

  Nah.

• 51:38Caleb Hammer?

  You'd have a good time in Thailand.

• 51:39Speaker 03

  Nah, I wouldn't have a good time in Thailand.

• 51:41Caleb Hammer?

  You'd bring one back.

• 51:43Speaker 03

  Would I know that it's, uh, before I bring one back?

• 51:46Caleb Hammer?

  Huh?

• 51:47Speaker 03

  Would I know that it's a key before I bring it back?

• 51:50Caleb Hammer?

  Oh, I thought we were going to shoes.

• 51:52Speaker 03

  But it's Thailand.

• 51:54Caleb Hammer?

  It is Thailand.

• 51:55Speaker 03

  Yeah.

• 51:56Caleb Hammer?

  Listen, you might get pegged, you might not, I don't know.

• 52:00Speaker 03

  Yeah. It's Thailand. You know, I think I had a dream that you said that and now you did. It's funny.

• 52:07Caleb Hammer?

  I'm in your dreams.

• 52:09Speaker 03

  No, well, kinda. I got excited being on the show, you know?

• 52:13Caleb Hammer?

  Oh, okay.

• 52:14Speaker 03

  Not in that way.

• 52:15Caleb Hammer?

  Okay, I heard the word excited, I gotta, you know, a little nervous.

• 52:18Speaker 03

  Yeah.

• 52:19Caleb Hammer?

  I've had my toothpaste fill for the day, so.

• 52:22Speaker 03

  You can back the toothpaste, it's great. Alrighty. I don't care.

• 52:30Caleb Hammer?

  Okay.

• 52:31Speaker 03

  Yeah.

• 52:33Caleb Hammer?

  It's at a 29.49% interest rate.

• 52:36Speaker 03

  Yeah, I thought it was like 30%, so.

• 52:38Caleb Hammer?

  Basically, yeah. I don't know. I don't know, hey, you're still gonna go purchase this merch? It's like, what's the point at that point, right?

• 52:50Speaker 03

  It's not good.

• 52:53Caleb Hammer?

  You gotta talk about this coping skills. If you're impulsive decisions or everything, I need you to start taking care of the coping skills, okay?

• 53:00Speaker 03

  That might be a thing to talk, I have a therapist right now, but yeah.

• 53:03Caleb Hammer?

  Good, talk about that, okay. And I'll also get you a course career certification if we can find something that gets you a little more in the career field that you want.

• 53:10Speaker 03

  Okay.

• 53:11Caleb Hammer?

  Quicksilver.

• 53:12Speaker 03

  Quicksilver.

• 53:12Caleb Hammer?

  What's going on with this? You were not paying off this card. It was a small balance, it's like, oh, okay, he's probably paying this off like the PayPal. No, it's maxed out!

• 53:19Speaker 03

  Maxed out.

• 53:20Caleb Hammer?

  So what's going on?

• 53:21Speaker 03

  Like $500.

• 53:21Caleb Hammer?

  Yeah, yeah.

• 53:25Speaker 03

  I mean, it's the same as the other cards, is what I would say. Uh.

• 53:30Caleb Hammer?

  I'm trying to have a conversation.

• 53:32Speaker 03

  Yeah.

• 53:32Caleb Hammer?

  What's going on with this?

• 53:34Speaker 03

  I.

• 53:35Caleb Hammer?

  And your perception?

• 53:36Speaker 03

  Uh, that one I use for rudders. Cause I have it linked to the counter. It's just really easy to order.

• 53:41Caleb Hammer?

  What is that?

• 53:41Speaker 03

  Rudders.

• 53:42Caleb Hammer?

  Yeah. What is it?

• 53:43Speaker 03

  Uh, that's like sheets. Like wah wah.

• 53:46Caleb Hammer?

  So you're going to an alternative to mix it up?

• 53:49Speaker 03

  Yeah, I can go to sheets every day in the morning.

• 53:51Caleb Hammer?

  You shouldn't go to either, right?

• 53:53Speaker 03

  No.

• 53:54Caleb Hammer?

  Okay.

• 53:56Speaker 03

  Yeah. They also have better food and it's cheaper. I probably should go there. Oh, Taco Tuesday. Tacos are half off.

• 54:04Caleb Hammer?

  Okay.

• 54:04Speaker 03

  Yeah.

• 54:05Caleb Hammer?

  He just finger gunned me.

• 54:06Speaker 03

  Yeah. That's good breakfast.

• 54:12Caleb Hammer?

  Is that more important than escaping Fayetteville though? I don't think so.

• 54:16Speaker 03

  No, it's not. You could probably meal prep. I had chicken noodle soup today.

• 54:19Caleb Hammer?

  Yes, meal prep.

• 54:20Speaker 03

  Easier, yeah.

• 54:21Caleb Hammer?

  You had chicken noodle soup today?

• 54:22Speaker 03

  Yeah. Handmade.

• 54:23Caleb Hammer?

  There you go. Handmade?

• 54:25Speaker 03

  Yeah.

• 54:25Caleb Hammer?

  Why are we doing that shit?

• 54:27Speaker 03

  Egg noodle.

• 54:27Caleb Hammer?

  That's great.

• 54:28Speaker 03

  Great, yeah.

• 54:29Caleb Hammer?

  Okay, why aren't we doing that?

• 54:32Speaker 03

  Cheaper, for sure.

• 54:33Caleb Hammer?

  You're learning to cook for your future Taiwanese princess.

• 54:38Speaker 03

  Yeah, yeah, yeah, that'd be nice.

• 54:40Caleb Hammer?

  Yeah.

• 54:40Speaker 03

  Yeah.

• 54:41Caleb Hammer?

  Okay.

• 54:45Caleb Hammer?

  It's not a current interest, but you did purchase sixty two dollars and fourteen cents on it.

• 54:48Speaker 03

  Yeah, and that's probably all rudders, to be honest. Maybe sheets.

• 54:52Caleb Hammer?

  Yeah, sheets, rudders, sheets, sheets.

• 54:54Speaker 03

  Yeah, taquitos.

• 54:56Caleb Hammer?

  Yes.

• 54:57Speaker 03

  Yes.

• 54:58Caleb Hammer?

  Okay.

• 55:04Speaker 03

  Honestly, I didn't understand what taquitos were until like, uh, I sat down and looked at my own.

• 55:09Caleb Hammer?

  Okay.

• 55:10Speaker 03

  I don't have the physical card for the PayPal either. I do have my Capital One. I don't think I've ever used it physically. Recently, everything's just online transactions, to be honest.

• 55:17Caleb Hammer?

  You have it in like your Apple Wallet?

• 55:19Speaker 03

  I have it on Capital One.

• 55:20Caleb Hammer?

  Okay, okay, okay, okay, okay. Fucking, you need to delete every fucking app that exists. Ban your co-. Do you go to the office? Yeah, you do.

• 55:31Speaker 03

  Yeah, I'm an office person, yeah. Mostly I'm in the office, yeah.

• 55:34Caleb Hammer?

  Ban.

• 55:35Speaker 03

  That's why I have too much time.

• 55:37Caleb Hammer?

  Because you're in the office? That's why you have too much time?

• 55:40Speaker 03

  I mean, I do, like, there's no.

• 55:42Caleb Hammer?

  Ban passing by sheets on the way to and from work. And cut up your credit cards. And call the banks and close your accounts.

• 55:55Speaker 03

  Okay.

• 55:56Caleb Hammer?

  What? What's the confusion?

• 55:58Speaker 03

  I need my bank account.

• 56:01Caleb Hammer?

  No, close your credit card accounts. I'm not saying, no, obviously, yes, keep it, have a checking account, of course. If it's a savings account, of course.

• 56:09Speaker 03

  Yeah, trust isn't the best, but yeah.

• 56:12Caleb Hammer?

  Bank with whatever, I don't care. It doesn't matter to me.

• 56:16Speaker 03

  This is...

• 56:18Caleb Hammer?

  If you're at ease of just...

• 56:20Speaker 03

  Yeah, it's real easy.

• 56:21Caleb Hammer?

  Yes. You need to limit yourself. If I can't, if I can't not keep away from...

• 56:29Speaker 03

  Amazon.

• 56:30Caleb Hammer?

  Candy.

• 56:31Speaker 03

  Candy.

• 56:31Caleb Hammer?

  I don't have candy in the house.

• 56:34Speaker 03

  That is, oh yeah, like if you have something sugary in the house, you're always gonna go get it. Or I, I am, for sure.

• 56:40Caleb Hammer?

  Is an example of why you shouldn't have your credit cards handy.

• 56:43Speaker 03

  Yeah.

• 56:45Speaker 03

  Freaking like cake. Yeah, so no, no credit cards. They're like sugar in the house. Or no, no online transactions, they're like sugar in the house.

• 56:55Caleb Hammer?

  Just having the credit cards.

• 56:56Speaker 03

  Just having them, yeah. Okay.

• 56:58Caleb Hammer?

  You have to take away the things that you can't control.

• 57:00Speaker 00

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

• 57:18Speaker 00

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

• 57:30Speaker 03

  Cool.

• 57:32Caleb Hammer?

  Right?

• 57:35Caleb Hammer?

  Is this making sense?

• 57:37Speaker 03

  It, it, it makes a lot of sense, because you know, some things, times the things control you instead.

• 57:42Caleb Hammer?

  And you're being controlled, right?

• 57:43Speaker 03

  The concept of the meme, I'm being controlled by purchasing things that I don't really want.

• 57:50Caleb Hammer?

  Right?

• 57:50Speaker 03

  Yeah.

• 57:51Caleb Hammer?

  Okay. Okay.

• 57:53Speaker 03

  Good, I'm glad we're aligned.

• 57:55Caleb Hammer?

  Yep.

• 57:59Caleb Hammer?

  Yeah, 0% interest rate until...

• 58:03Speaker 03

  It's probably current interest, I thought.

• 58:05Caleb Hammer?

  No, 0% until something.

• 58:07Speaker 03

  Okay.

• 58:10Caleb Hammer?

  I can't see where. It might be on the site, though.

• 58:13Speaker 03

  I won't open my thing. I won't open my thing.

• 58:17Caleb Hammer?

  You can open your thing, you probably just won't find it.

• 58:18Speaker 03

  Yeah, I won't find it.

• 58:19Caleb Hammer?

  Okay, OneMain Financial, what's going on with this?

• 58:22Speaker 03

  Um, yeah, so I use, I took out a loan and...

• 58:27Caleb Hammer?

  For why? What do you have in life where you need a 23.49% personal loan?

• 58:33Speaker 03

  Yeah, that's...

• 58:33Caleb Hammer?

  Oh, it's a 19, $19,054!

• 58:38Speaker 03

  That's the, uh, that's how much you do if you pay off all the payments. That's not the payoff amount.

• 58:42Caleb Hammer?

  It says that's the balance.

• 58:44Speaker 03

  Yeah, the payoff amount would probably be...

• 58:45Caleb Hammer?

  Where's your payoff amount?

• 58:46Speaker 03

  You'd have to call them, their loans...

• 58:48Caleb Hammer?

  Well, I'm gonna say 19,000, because that's what's at least accruing interest.

• 58:52Speaker 03

  Is it really so they accrue interest on that, not the...

• 58:55Caleb Hammer?

  Yes, that's the balance!

• 58:56Speaker 03

  Okay.

• 58:57Caleb Hammer?

  That is the balance, and usually the payoff's not that far.

• 59:00Speaker 03

  No, it is like 12,000. If I pull up Credit Karma, it would say 12,000.

• 59:05Caleb Hammer?

  Credit Karma doesn't know.

• 59:06Speaker 03

  Okay.

• 59:07Caleb Hammer?

  You're going off of Credit Karma, not them? Credit Karma doesn't know.

• 59:11Speaker 03

  When I calculate against the interest that came up to like 12,002, I mean...

• 59:15Caleb Hammer?

  Listen, that's the balance subject to interest right now.

• 59:17Speaker 03

  Okay.

• 59:18Caleb Hammer?

  And you have to pay minimum monthly payment of $381.08. What, what, what did you possibly borrow for and when?

• 59:27Speaker 03

  Um, right, so I took out, and then there's two other personal loans that you'll get to. And it's for a similar reason.

• 59:34Caleb Hammer?

  What?

• 59:35Speaker 03

  Yeah, I had like 30 something thousand dollars in savings, uh, back then.

• 59:40Caleb Hammer?

  You borrowed against your savings?

• 59:42Speaker 03

  No, I lost it all.

• 59:46Speaker 03

  Gambling.

• 59:47Caleb Hammer?

  Oh, for fuck's sake!

• 59:49Speaker 03

  Uh, what else was I... Gambling, stock markets, trading.

• 59:56Speaker 03

  Remember when GameStop happens and people got crazy?

• 1:00:01Caleb Hammer?

  Oh, for fuck's sake, what was the gambling? No, guy.

• 1:00:05Speaker 03

  You wanna talk about the gambling?

• 1:00:07Caleb Hammer?

  Yes, I just, yes.

• 1:00:09Speaker 03

  Okay. Yeah, so, I mean, I mean, really, it started with the GameStop stuff. Like, that's sort of gambling when you get into that.

• 1:00:16Caleb Hammer?

  Yeah.

• 1:00:17Speaker 03

  I know there's a right way to do it. I know there's a right way to do it.

• 1:00:19Caleb Hammer?

  Yeah, you're not doing it. But you can take our investing class for free. We'll put you through it.

• 1:00:24Speaker 03

  Yeah.

• 1:00:25Caleb Hammer?

  That'll help you.

• 1:00:25Speaker 03

  But, yes, the gambling, tell me. Yeah, so it started with that, and then, you know, we sort of got into other things. Higher rate of return. Well, it's a social thing, because sometimes people do it at work, too. Uh, but, yeah.

• 1:00:39Caleb Hammer?

  Tell me about the gambling. What were you doing? How much? Over how long?

• 1:00:42Speaker 03

  Um, I probably lost $60,000 in gambling.

• 1:00:45Caleb Hammer?

  Sixty?

• 1:00:46Speaker 03

  Yeah.

• 1:00:46Caleb Hammer?

  Sixty over how long?

• 1:00:48Speaker 03

  Um, since, what was that, the beginning of 2000? I quit two years ago, I think, so, yeah.

• 1:00:56Caleb Hammer?

  Two years ago, you quit?

• 1:00:58Speaker 03

  Yeah, so that was-

• 1:00:58Caleb Hammer?

  So in two years, you lost $60,000?

• 1:01:01Speaker 03

  Yes, sir.

• 1:01:02Caleb Hammer?

  And you still have personal? Wait, what are the loans for, though?

• 1:01:05Speaker 03

  I took out loans, and then I sort of gambled those away. Because I wasn't used to having mon- not having money in my checking account. I worked hard for that, but, yeah.

• 1:01:20Caleb Hammer?

  That's insane.

• 1:01:22Speaker 03

  Yeah, it's not-

• 1:01:23Caleb Hammer?

  Oh, my god.

• 1:01:24Speaker 03

  Oh, most of that was within two months, like, $40,000.

• 1:01:32Caleb Hammer?

  What the fuck?

• 1:01:33Speaker 03

  It's addicting. You can play Black-

• 1:01:35Caleb Hammer?

  It's horrendously addicting, yes.

• 1:01:37Speaker 03

  You ever play blackjack on your phone?

• 1:01:39Caleb Hammer?

  No.

• 1:01:39Speaker 03

  Dude, during weddings.

• 1:01:41Caleb Hammer?

  Huh?

• 1:01:42Speaker 03

  Yeah.

• 1:01:42Caleb Hammer?

  You're doing it during weddings?

• 1:01:44Speaker 03

  Yeah.

• 1:01:46Caleb Hammer?

  Why specifically?

• 1:01:47Speaker 03

  That's just what I remember, sir.

• 1:01:50Caleb Hammer?

  You, you, like, were blacking out? That's the only one you remember, is you were at a wedding and you lost $60,000?

• 1:01:56Speaker 03

  No.

• 1:01:57Caleb Hammer?

  And you took out personal loans for it?

• 1:01:58Speaker 03

  No, I mean, you can do it. And loans are, too. You can do all that online, too, so it's just real fast.

• 1:02:06Caleb Hammer?

  Oh guy, you live a dangerous life.

• 1:02:10Speaker 03

  No, that was not, yeah, that was good.

• 1:02:13Caleb Hammer?

  You live a dangerous life, you are beyond addictive personality. I'm an addictive personality too, but you take it to the next level. I'm tism too, but you take it to the next level. It's, you're just, you're the enhanced version of me.

• 1:02:25Speaker 03

  The bad part is you can be like, good for a vast majority of the day, but if it takes like, I don't know, an hour or 30 minutes.

• 1:02:33Caleb Hammer?

  How much did you lose in GameStop?

• 1:02:35Speaker 03

  In GameStop? Well, on stocks, I think I have 12,000. On Robinhood, probably 1,200. No, 4,000 on Weibo.

• 1:02:46Caleb Hammer?

  4,000?

• 1:02:47Speaker 03

  Yeah.

• 1:02:49Speaker 03

  I could pull that up.

• 1:02:50Caleb Hammer?

  No, it's okay.

• 1:02:51Speaker 03

  I screenshot it up.

• 1:02:52Caleb Hammer?

  How much did you lose in total across the board?

• 1:02:54Speaker 03

  60,000.

• 1:02:55Caleb Hammer?

  It was 60,000 if we combine all of it.

• 1:02:57Speaker 03

  Yeah.

• 1:02:58Caleb Hammer?

  Two years ago.

• 1:02:58Speaker 03

  I consider that gambling. Yeah, two years ago I stopped. Well, I did, I have gambled a bit on ESPN bet. I thought it was a good.

• 1:03:06Caleb Hammer?

  What? Tell me.

• 1:03:08Speaker 03

  $600 since, I don't know, mid last year.

• 1:03:12Caleb Hammer?

  Oh, he's picking it back up. Don't, you're gonna get into sports betting. Oh, this will go down so hard, knowing you and what you've done. Listen, you took out personal, it's the only reason you haven't bet more than $600. Let's be honest, is because you literally couldn't get access to it.

• 1:03:25Speaker 03

  Yeah, I did lose, I did lose a lot of that 60,000 from sports betting, to be honest.

• 1:03:29Caleb Hammer?

  Oh, so let's get into ESPN betting, right?

• 1:03:32Speaker 03

  Yeah.

• 1:03:33Caleb Hammer?

  No, Mike, I, there is no independence if you're doing this.

• 1:03:37Speaker 03

  No.

• 1:03:38Caleb Hammer?

  What was your living situation two years ago when you stopped? And four years ago when you started?

• 1:03:43Speaker 03

  Four years ago, I was living with my parents.

• 1:03:45Caleb Hammer?

  And did they know this was happening?

• 1:03:48Speaker 03

  They didn't know it was this bad.

• 1:03:51Caleb Hammer?

  What did they think?

• 1:03:53Speaker 03

  They thought I had a problem. But they didn't know it was this bad until I called them one time when I was working.

• 1:04:00Caleb Hammer?

  And tell me about it.

• 1:04:02Speaker 03

  The bottoms fall out.

• 1:04:04Caleb Hammer?

  That's what you told them.

• 1:04:06Speaker 03

  Pretty much.

• 1:04:07Caleb Hammer?

  You told them that the bottom has fell out.

• 1:04:08Speaker 03

  Yeah.

• 1:04:09Caleb Hammer?

  What did, what the fuck would they think that means?

• 1:04:12Speaker 03

  I, well, that's not exactly what I said.

• 1:04:14Caleb Hammer?

  Yeah, tell me about the conversation. Cause this is insane. This is $60,000. It's almost as much money as you fucking have made.

• 1:04:20Speaker 03

  It's, it's my parents. You know, the first thing they think of is, okay, how can we help? What, what's, what's the problem? We'll have to look into it some better, have a better conversation about. They, they know it was devastating. I didn't understand how devastating it was at the time. So.

• 1:04:32Caleb Hammer?

  Can I tell you how devastating it was?

• 1:04:34Speaker 03

  How?

• 1:04:37Caleb Hammer?

  Two years ago, you're 26.

• 1:04:41Caleb Hammer?

  That is 39 years until 65, when many people retire.

• 1:04:45Speaker 03

  65 is retirement.

• 1:04:46Caleb Hammer?

  Correct?

• 1:04:47Speaker 03

  Good.

• 1:04:48Caleb Hammer?

  Are we aligned so far on that?

• 1:04:50Speaker 03

  Yeah, I got you.

• 1:04:51Caleb Hammer?

  If that $60,000 was in the S and P 500, which averages a 10% annual return, up years, down years combined since the start,

• 1:05:00Caleb Hammer?

  it would have been worth, and this is what you've lost.

• 1:05:03Speaker 03

  Yes.

• 1:05:04Caleb Hammer?

  2.916 million dollars. You lost $3 million because you chose to throw away your money on sports betting, meme stocks, instead of just investing in the overall marketplace or any other kind of investing strategy. Again, there are so many that do work. That's not the only one that works, but that is good for just the average person.

• 1:05:29Speaker 03

  Yeah, technically it's worse than that because then I took out my, then occurring interest. So, yeah. If you think about it.

• 1:05:35Caleb Hammer?

  Oh, me.

• 1:05:37Speaker 03

  Yeah.

• 1:05:38Caleb Hammer?

  Buddy.

• 1:05:41Caleb Hammer?

  That's insane. So, since last year, you have still sports betted hundreds.

• 1:05:50Speaker 03

  Yeah, six, I've lost, I think, 600.

• 1:05:58Caleb Hammer?

  You got into Russian table tennis, they're telling me?

• 1:06:02Speaker 03

  Oh yeah, the Russian table tennis.

• 1:06:04Caleb Hammer?

  Betting on Russian table tennis?

• 1:06:05Speaker 03

  Yeah, that was a weird one.

• 1:06:09Caleb Hammer?

  What are you talking about, dude? What are you doing?

• 1:06:14Caleb Hammer?

  Uh, did you get banned from anything?

• 1:06:18Speaker 03

  Oh yeah, I got banned from, uh, what was it called? DraftKings.

• 1:06:22Caleb Hammer?

  You got banned from DraftKings?

• 1:06:24Speaker 03

  Yeah, I used a VPN in New York to go to Pennsylvania.

• 1:06:30Speaker 03

  That was a bad one too, because that was a good game.

• 1:06:31Caleb Hammer?

  Matt, none of this, none of these are good ones.

• 1:06:34Speaker 03

  That's a hill, buddy.

• 1:06:37Speaker 03

  I don't know if you watch NFL.

• 1:06:38Caleb Hammer?

  Is this is why people have broken up with you? Cause this would be a good reason.

• 1:06:42Speaker 03

  No, but it doesn't, it's not.

• 1:06:46Speaker 03

  I think, oh, well, actually, I don't know if that affected anything. Cause I've been pretty honest with them about it, so.

• 1:06:53Caleb Hammer?

  And?

• 1:06:55Speaker 03

  Nobody likes it.

• 1:06:56Caleb Hammer?

  Yeah, no shit. It wouldn't make people stay.

• 1:06:57Speaker 03

  No, they usually say, well, as long as you're not like that anymore. Change your ways.

• 1:07:02Caleb Hammer?

  You are, you are still sports betting.

• 1:07:04Speaker 03

  Yeah.

• 1:07:06Caleb Hammer?

  So you are still like that anymore?

• 1:07:08Speaker 03

  It's tough when everybody in the office does it.

• 1:07:11Caleb Hammer?

  Oh, fuck me, man. What's your relationship with people like at work?

• 1:07:15Speaker 03

  Great, I love people at work.

• 1:07:17Caleb Hammer?

  Yeah?

• 1:07:18Speaker 03

  Yeah.

• 1:07:18Caleb Hammer?

  They like it too, you guys are friendly, everything's good.

• 1:07:20Speaker 03

  Yeah.

• 1:07:22Caleb Hammer?

  And I want that for you, I want that, that's so good.

• 1:07:25Speaker 03

  We talk breakfast every Friday.

• 1:07:26Caleb Hammer?

  Okay, fuck, they just told me. And who owns your business?

• 1:07:31Speaker 03

  Uh, my dad owns it with his partner.

• 1:07:35Caleb Hammer?

  You've never done anything independently?

• 1:07:38Speaker 03

  I mean, I, yeah, I think about that. But I work hard.

• 1:07:44Caleb Hammer?

  I'm not saying you don't, buddy, but it wasn't you got this job because you got a job out of school and you're not using math degrees, you got a job because of daddy.

• 1:07:55Caleb Hammer?

  You got a house because of mommy.

• 1:07:56Speaker 03

  I mean, but I feel responsible to stay there, you know, I don't want to leave them.

• 1:08:01Caleb Hammer?

  No.

• 1:08:01Speaker 03

  Like, at work, I mean.

• 1:08:03Caleb Hammer?

  No.

• 1:08:04Speaker 03

  Okay.

• 1:08:05Caleb Hammer?

  I bet you your parents would celebrate if you became independent. Not celebrate as yay, we got rid of them. I'm not saying that. Celebrate because they're seeing their son become, going from like an immature boy to a man.

• 1:08:17Speaker 03

  Yeah.

• 1:08:18Caleb Hammer?

  This is something they would want to see.

• 1:08:21Speaker 03

  True.

• 1:08:21Caleb Hammer?

  And they feel, listen, they've coddled you a lot, and it's because you're socially awkward, and that's okay. You have autism and ADHD.

• 1:08:30Speaker 03

  I do worry about that. Like, I don't know why they're coddling me.

• 1:08:32Caleb Hammer?

  Well, it's because of that. And because of that, they are holding you, and that is not allowing you to actually go out. And listen, they would celebrate if you went out and you were an adult. But they're also probably, they're so used to coddling you that they're afraid to not, and they're just enabling you. They're enabling you. They enable the gambling, they're enabling you, they're giving you a job, they're giving you a place to live. They're enabling you not paying your rent on time, and then mom puts money in the checking account. So it further enables you to gambling and go into sheets and spending money on something you don't have. And now you have a 23.49% interest loan at a balance of $19,054, minimum payment of $381.08

• 1:09:16Caleb Hammer?

  for your past gambling. So now you're paying for your past gambling with personal loans.

• 1:09:23Speaker 03

  Yeah, and that's against my car, too.

• 1:09:25Caleb Hammer?

  Huh?

• 1:09:26Speaker 03

  Yeah.

• 1:09:27Caleb Hammer?

  Really? This is against the title?

• 1:09:29Speaker 03

  Yeah.

• 1:09:30Caleb Hammer?

  Of your vehicle?

• 1:09:31Speaker 03

  Yeah, it was collateral.

• 1:09:35Caleb Hammer?

  Oh, we've never had that.

• 1:09:37Speaker 03

  Really?

• 1:09:39Caleb Hammer?

  This is new.

• 1:09:41Speaker 03

  Yeah, I didn't really understand how bad that was. They really don't explain that to you.

• 1:09:46Caleb Hammer?

  Why don't they explain, here's a bad product, why don't you please take it?

• 1:09:49Speaker 03

  Yeah, true.

• 1:09:50Caleb Hammer?

  That's not how, I mean, come on.

• 1:09:55Speaker 03

  That was credit karma again.

• 1:09:56Caleb Hammer?

  You lost your savings in two months?

• 1:09:58Speaker 03

  Pretty much.

• 1:09:59Caleb Hammer?

  Two months. Okay, so it had to have been more than $60,000, because you lost $50,000 in savings, right?

• 1:10:05Speaker 03

  I had $30,000 in savings.

• 1:10:07Caleb Hammer?

  $30,000 in savings, and now you have how much in debt because of it? This is 20.

• 1:10:10Speaker 03

  I have at least 50,000. We have to make sure that's accurate, but yeah.

• 1:10:17Speaker 03

  I think like 24,000 of bad debt, but probably more because of the 7,000 difference between what we have on the cap on the one me.

• 1:10:25Caleb Hammer?

  What is your parents' knowledge of the numbers around this and how much you lost and how much in debt you have because of it?

• 1:10:31Speaker 03

  I don't think they comprehend how bad it is.

• 1:10:34Caleb Hammer?

  Call your dad right now.

• 1:10:35Speaker 03

  I could.

• 1:10:36Caleb Hammer?

  I want, no, no, before you do, call him, like, hey dad, I have something to confess to you. I just want to get this off my chest. I lost $30 in savings when I lived with you for gambling. And I gained another 20 to 30,000 dollars in high interest debt for the gambling. And I am still gambling and I'm struggling with it. Cause you still are. People ask me all the time, Caleb, how do I turn my wild video ideas into something watchable? And until now, I'd say, good luck, learned to edit, or spend a ton of money. But now, enter in video AIV3. This thing lets you create full-length videos from scratch just by typing.

• 1:11:17Caleb Hammer?

  No timeline, no software gymnastics, just type something like, make a one-minute funny cinematic video about how people deal with their finances and boom.

• 1:11:25Speaker 01

  I'm a Sarah, just your average person trying to, you know, adult and stuff. Finances? Yeah, I've got those somewhere.

• 1:11:34Caleb Hammer?

  You've got a cinematic sequence in minutes. You want to tweak it? Just say, add my voice or make it funnier. It's like texting your editor, only faster and cheaper. And unlike clunky traditional tools that make you feel like you need a film degree, inVideo puts you in the director's seat. Your vision, their horsepower. And yeah, you can even clone your voice so every video sounds just like you. Spooky? Maybe. Cool? Definitely. Try inVideo AI for free. Save your time, your budget, and your sanity. Can you do that?

• 1:12:03Speaker 03

  Should I be a speaker or what should I be?

• 1:12:04Caleb Hammer?

  Speaker phone and put the speaker here.

• 1:12:07Caleb Hammer?

  Put the speaker here. Speaker here.

• 1:12:09Speaker 03

  Here? I don't understand.

• 1:12:10Caleb Hammer?

  Where's the speaker? Put it here.

• 1:12:12Speaker 03

  I don't know where the speaker is.

• 1:12:13Caleb Hammer?

  It's at the bottom, probably.

• 1:12:15Speaker 03

  Okay. Oh, that makes sense.

• 1:12:17Speaker 05

  Hello?

• 1:12:18Caleb Hammer?

  Hey.

• 1:12:21Caleb Hammer?

  How are you? What's up?

• 1:12:23Speaker 05

  How'd your day go?

• 1:12:24Caleb Hammer?

  That's good. I'm on the thing right now.

• 1:12:29Speaker 05

  You're still there now?

• 1:12:30Caleb Hammer?

  Yeah, I was told to call you.

• 1:12:33Speaker 05

  Oh yeah, I'm on the podcast right now.

• 1:12:35Caleb Hammer?

  Yeah, kinda.

• 1:12:39Speaker 03

  Yeah, I was told to tell you that I have, uh, I accrued, I had thirty thousand dollars in savings. I lost it all and I accrued twenty thousand dollars of bad debt.

• 1:12:49Caleb Hammer?

  Why?

• 1:12:50Speaker 03

  Because I was gambling and I'm still gambling, like six hundred, I lost six hundred dollars since December.

• 1:12:57Speaker 05

  Not good.

• 1:12:58Speaker 03

  No, it's not good.

• 1:13:01Caleb Hammer?

  So you're struggling, you need help with it.

• 1:13:03Speaker 03

  Well, I'm struggling.

• 1:13:04Caleb Hammer?

  You're struggling, you need help with it.

• 1:13:06Speaker 03

  I'm struggling with it.

• 1:13:10Speaker 05

  Yeah, I know you are.

• 1:13:13Speaker 03

  Yeah.

• 1:13:16Speaker 05

  Whatever, you know, we've always, our door's open. What do we gotta do to help you?

• 1:13:20Speaker 03

  I got you. I don't think that's the best. It's kind of coddling.

• 1:13:28Speaker 05

  Well, not necessarily we're gonna bail you out. We just,

• 1:13:31Speaker 03

  I know.

• 1:13:32Speaker 05

  What you need, what you need to succeed, you know?

• 1:13:34Speaker 03

  I got you.

• 1:13:38Speaker 03

  But yeah. Uh, I think I'll continue with this. Thanks.

• 1:13:44Speaker 05

  All right. Well, give us a call when you're out.

• 1:13:46Speaker 03

  I will. Yeah, no problem. Right.

• 1:13:48Speaker 05

  See ya.

• 1:13:51Caleb Hammer?

  So it is not good. Listen, they want to help. They're not helping.

• 1:13:56Speaker 03

  He grew up very poor. Uh, he helps out his parents.

• 1:13:59Caleb Hammer?

  So he's making almost a repeated cycle then by not helping you?

• 1:14:04Speaker 03

  By helping me.

• 1:14:05Caleb Hammer?

  He's thinking he's helping, but he's harming.

• 1:14:07Speaker 03

  Oh, okay. I got you. Yeah.

• 1:14:09Caleb Hammer?

  Do you disagree?

• 1:14:11Speaker 03

  No, I didn't understand.

• 1:14:11Caleb Hammer?

  Look what they're doing. Listen, his reaction to you losing fifty thousand dollars and twenty thousand of it being in debt was, that's not good.

• 1:14:20Caleb Hammer?

  I'm not saying he needs to blow up and slap you through the phone, but come on.

• 1:14:24Speaker 03

  That was my reaction too. It's not good.

• 1:14:26Caleb Hammer?

  Yeah, but you're autistic.

• 1:14:28Speaker 03

  I got you.

• 1:14:29Caleb Hammer?

  I don't know about him.

• 1:14:30Speaker 03

  I don't think he is. No, he's pretty social.

• 1:14:32Caleb Hammer?

  Okay, so it's.

• 1:14:40Caleb Hammer?

  Yeah, go ahead.

• 1:14:43Caleb Hammer?

  I don't know, man. I'm afraid they're just fully enabling you. Let's move on.

• 1:14:49Speaker 03

  Okay.

• 1:14:50Caleb Hammer?

  I, I, I.

• 1:14:50Speaker 03

  I don't know if they're enabling me because I don't know what the norm is, so.

• 1:14:54Caleb Hammer?

  The norm is you don't work for your dad, your mom doesn't put money in your account at 28, and they don't pay for the roof over your head by a subsidized thing. And you're also, uh, not having them bail you out at every single moment.

• 1:15:05Speaker 03

  Yeah, but they, they helped out my sister and she's successful.

• 1:15:07Caleb Hammer?

  Doesn't matter, doesn't matter. And listen, some people can be successful, but look, it's not working for you. You're 28, not 18. This has been proven not to work for you for a decade of adulthood.

• 1:15:19Speaker 03

  Yeah. I mean, I was doing good in school.

• 1:15:22Caleb Hammer?

  School, but that's something completely different. School and real life are so different.

• 1:15:26Speaker 03

  They are, they are.

• 1:15:27Caleb Hammer?

  School's coddled. You're in little boxes.

• 1:15:30Speaker 03

  It is coddled. I hated how slow we went and stuff like that, but yeah.

• 1:15:33Caleb Hammer?

  I did. You're Rain Man, we all know.

• 1:15:37Speaker 03

  Okay.

• 1:15:38Caleb Hammer?

  Genius Bank?

• 1:15:39Speaker 03

  Chinus, or I don't know how to pronounce it, to be honest. That was another one. That was completely online.

• 1:15:44Caleb Hammer?

  Uh, but it's an 18.99% interest rate. Listen, oh, you finance $5,000. Uh, the interest charged throughout is going to be $2,174.19 if you don't pay it off early.

• 1:15:55Speaker 03

  So it's like 50%.

• 1:15:56Caleb Hammer?

  Yeah, what's the balance now?

• 1:15:57Speaker 03

  Um, like 4,000.

• 1:15:59Caleb Hammer?

  4,000, minimum monthly payment, 148. I don't know how you're going to pay these, these stacks so much. And which means good luck, you're never going to pay them off in, uh, early, which means you're going to pay that total $2,174.19 of interest. You're going to make them so much money.

• 1:16:15Caleb Hammer?

  You make the gambling money, you make the other people on the other side of the bet money, you make the bank's money, you make the credit card companies money?

• 1:16:23Caleb Hammer?

  Ah, buddy, okay, what's this for? I borrowed 5,000 for what?

• 1:16:28Speaker 03

  Uh, like I said, it was the same thing. I didn't have money in my checking account.

• 1:16:31Caleb Hammer?

  Well, so far, if we lost 30,000 there, we're at at least 50,000, 55,000.

• 1:16:36Speaker 03

  It's going in decreasing order. It's going in decreasing, like, uh.

• 1:16:40Caleb Hammer?

  Yeah, but currently we're at 55,000 hour total for the money lost to gambling. If we're taking the 30,000, you're saving 20,000 from previous, 5,000 for this.

• 1:16:48Speaker 03

  Yeah.

• 1:16:48Caleb Hammer?

  So we're over that 50 already and you're saying there's more?

• 1:16:51Speaker 03

  It's 60, but yeah.

• 1:16:52Caleb Hammer?

  Huh? We're at 60?

• 1:16:53Speaker 03

  No, I said 60.

• 1:16:55Caleb Hammer?

  You said 60 earlier?

• 1:16:56Speaker 03

  Yeah.

• 1:16:56Caleb Hammer?

  Okay, sorry. And we have 5,000 to go to get to it.

• 1:16:59Speaker 03

  Yep.

• 1:17:00Caleb Hammer?

  I'm so gambling. Can you delete these apps, please?

• 1:17:04Speaker 03

  I've

• 1:17:04Caleb Hammer?

  Well, hey, your dad's the boss, right?

• 1:17:07Speaker 03

  I put myself in a

• 1:17:08Caleb Hammer?

  Your dad's the boss, right?

• 1:17:09Speaker 03

  Yeah.

• 1:17:09Caleb Hammer?

  If he's the boss, have a frank conversation that you're struggling with this because of work and see if he can just ban it from work.

• 1:17:17Speaker 03

  Yeah.

• 1:17:18Caleb Hammer?

  I mean, I don't know if I want to do that.

• 1:17:19Speaker 03

  I know that's hard because it's a social thing. You don't want to take it from other people. But it would be great. He doesn't say why. He doesn't say why. Maybe he can go in there and be like, hey. Very relaxed at work and

• 1:17:31Speaker 00

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• 1:18:00Caleb Hammer?

  I know, and we are here too, but if someone was dealing with a, I don't know, um.

• 1:18:08Caleb Hammer?

  Yeah, but we would have here to begin with.

• 1:18:11Speaker 03

  That's what you think, but then it creeps up on you.

• 1:18:14Caleb Hammer?

  It does?

• 1:18:14Speaker 03

  I don't, I don't know.

• 1:18:16Caleb Hammer?

  Okay. Hasn't creeped on up on me yet.

• 1:18:19Speaker 03

  Okay, gotcha.

• 1:18:20Caleb Hammer?

  I don't know. If someone had a severe gambling addiction here and people were gambling out in the foyer, I'd be like, hey, can we just like, just take this outside?

• 1:18:29Speaker 03

  Just take, I mean,

• 1:18:30Caleb Hammer?

  Go downstairs.

• 1:18:30Speaker 03

  Don't talk about it.

• 1:18:31Caleb Hammer?

  Don't talk about it.

• 1:18:32Speaker 03

  Because it's sports.

• 1:18:34Caleb Hammer?

  I know it's hard. It is difficult.

• 1:18:36Speaker 03

  Yeah.

• 1:18:37Caleb Hammer?

  But the fact is, you're struggling with it. You are addicted.

• 1:18:39Speaker 03

  Sports, I'm in a rural area. All you talk, do is talk about hunting and sports.

• 1:18:42Caleb Hammer?

  You need to leave. We've established that. But two, ye, I don't know. You're addicted. Like you just, if you're a drinker, you shouldn't go to a bar. You're addicted to sports gambling and everyone around you gambles sports. I'm not, I don't want to take you away from them socially. I really don't. This is the complicated part of it. Maybe someone has some better advice in the audience. Maybe therapist has some good advice and this is not popping in my head right now. Because, you know, this is live, you and me.

• 1:19:06Speaker 03

  Trying to block it out, I guess, would be.

• 1:19:09Caleb Hammer?

  That's harder, but

• 1:19:10Speaker 03

  Yeah.

• 1:19:11Caleb Hammer?

  coping mechanisms can be very powerful. You'll have to work with your therapist on that. And you lost your money gambling, so you're borrowing some of these to pay your bills too?

• 1:19:21Speaker 03

  Uh, I mean, I was

• 1:19:23Caleb Hammer?

  What bills? You're living with your family.

• 1:19:25Speaker 03

  I was pretty much borrowing it to, uh, cause I didn't have money in my checking account. And then I gambled it away. That's what happened. I don't know how I can.

• 1:19:34Caleb Hammer?

  Okay. You stopped two years ago, but now you started back up. What made you stop? And now you're starting to back up again.

• 1:19:39Speaker 03

  It's definitely ramped down a lot.

• 1:19:41Caleb Hammer?

  So it never stopped at ramp.

• 1:19:43Speaker 03

  It's ramped down a lot. It's, it's not as bad as it used to be.

• 1:19:46Caleb Hammer?

  But that means it can rebound so easily. You have no idea.

• 1:19:48Speaker 03

  Like I put myself in exclusion for one Fanduel, which was mainly what I was using for, I forget. I think it was like a year or something, two years.

• 1:19:57Caleb Hammer?

  Oh, the amount of sponsorship requests we get from them. Let me tell you, I only take good sponsors.

• 1:20:02Speaker 03

  Yeah. But I mean, that's pretty much why it stopped. I can't use that account anymore.

• 1:20:06Caleb Hammer?

  Oh, so once you find a way, it'll ramp back up.

• 1:20:11Speaker 03

  Yeah.

• 1:20:11Caleb Hammer?

  Cause it's been forcefully taken from you. Does anyone at work know this?

• 1:20:14Speaker 03

  I stopped for months and then I found the SPM bet. Does?

• 1:20:18Caleb Hammer?

  Does anyone at work know this?

• 1:20:20Speaker 03

  Know that I have exclusion of.

• 1:20:22Caleb Hammer?

  This struggle and yes, the exclusion.

• 1:20:24Speaker 03

  I think they can relate.

• 1:20:26Caleb Hammer?

  People have lost $60,000 there?

• 1:20:28Speaker 03

  I don't know. Not that much, but they've lost a lot. Nobody wins.

• 1:20:35Speaker 03

  Some people break even.

• 1:20:38Speaker 03

  I mean, it's like, it's like what my one friend says, as soon as you win something on gambling, that's cursed money.

• 1:20:43Caleb Hammer?

  Okay. This next one you borrowed, come on, 4,500. So boom, that takes us to the 60.

• 1:20:48Speaker 03

  Yeah.

• 1:20:48Caleb Hammer?

  What's the current balance on this? I think this is upstart.

• 1:20:51Speaker 03

  Yeah, probably like 3,800.

• 1:20:53Caleb Hammer?

  Okay. 1,800 with a minimum monthly payment of $121.32. Again, I don't know how we afford these minimums. Is this the same thing? Same time?

• 1:21:06Speaker 03

  Yep.

• 1:21:07Caleb Hammer?

  Same chaos?

• 1:21:08Speaker 03

  Yep. That was the first one. Um, you know, the interest rates get worse because you're taking on more.

• 1:21:11Caleb Hammer?

  Uh, you took out the previous loan, the Genius loan, because it was deposited. Next day you immediately essentially lost it and had to go into a brick and mortar, one main to get this.

• 1:21:21Speaker 03

  Yeah. Yeah. I went from, it went upstart, Genius, then one main, upstart and Genius were all completely online. I found one main because of, but I had to go online with that one or I had to go.

• 1:21:30Caleb Hammer?

  What is that? Not a sign.

• 1:21:33Speaker 03

  It is a sign. Hey, I had other ones too. They were pretty bad.

• 1:21:38Caleb Hammer?

  I had.

• 1:21:39Speaker 03

  Yeah.

• 1:21:39Caleb Hammer?

  Why had?

• 1:21:40Speaker 03

  I paid them off.

• 1:21:40Caleb Hammer?

  Versus have. Okay. Why aren't these? No, no dad here has been made progress on that we have. Well, it's because anime has become the new fixation.

• 1:21:49Speaker 03

  Yeah.

• 1:21:49Caleb Hammer?

  It's gambling to anime. And I think that's what we were gonna talk about when we were talking about hobbies, gambling and anime.

• 1:21:54Speaker 03

  Yeah. Well, I mean, at least I went from gambling to something that's better.

• 1:21:59Caleb Hammer?

  It is better, but it is clear you get hyper fixated.

• 1:22:02Speaker 03

  Yeah.

• 1:22:03Caleb Hammer?

  And then you, like, you don't care about the consequences.

• 1:22:06Speaker 03

  Yep.

• 1:22:06Caleb Hammer?

  Like, okay, now we have goon cave. Great, but...

• 1:22:09Speaker 03

  That's why my friends were supportive of that, because at least it's not gambling, but it's...

• 1:22:13Caleb Hammer?

  Which I agree, but listen, replacing one addiction with another is not good. And you need to work on this with your therapist, and if your therapist is fully just enabling you, which some therapists do, then we need to try to find another therapist.

• 1:22:23Speaker 03

  Maybe find a good addiction.

• 1:22:25Caleb Hammer?

  Yeah.

• 1:22:25Speaker 03

  Yeah.

• 1:22:26Caleb Hammer?

  Whatever we can do.

• 1:22:27Speaker 03

  Wellness. Sure. Math.

• 1:22:30Caleb Hammer?

  Oh, we have you type this in. Oh, sake, what is this? Oh, that's right, because I did see that earlier.

• 1:22:36Speaker 03

  Yeah, that's wrong.

• 1:22:37Caleb Hammer?

  I owe $20,000 loosely to parents that they have given me the past two years.

• 1:22:44Speaker 03

  Yeah, it's, it's more like, uh...

• 1:22:46Caleb Hammer?

  I feel like you and World of T-shirts would create like a nuclear explosion if we put you guys across from each other.

• 1:22:51Speaker 03

  I added up all the Venmo transfers she sent me, because she's like, "Oh, yeah, you'll have to pay this off later." It's $6,800.

• 1:22:58Caleb Hammer?

  Oh, wow. Okay, if we have wrong information than you, then yes, our math's gonna be wrong.

• 1:23:02Speaker 03

  Yeah, yeah.

• 1:23:02Caleb Hammer?

  How'd you get that? How'd you give us $20,000 to $6,000?

• 1:23:04Speaker 03

  Because I thought it was like $20,000. I never added them up.

• 1:23:07Caleb Hammer?

  Oh, for sake. Okay, so $6,000, how much?

• 1:23:09Speaker 03

  $800.

• 1:23:10Caleb Hammer?

  Okay, so $6,800 owed to the parents, though.

• 1:23:12Speaker 03

  Yeah.

• 1:23:14Caleb Hammer?

  What's their plan with this? What conversations have been had?

• 1:23:17Speaker 03

  Pay that wall.

• 1:23:18Caleb Hammer?

  None, none, really. Huh?

• 1:23:21Speaker 03

  None, really.

• 1:23:21Caleb Hammer?

  What have you, how long? Over how long has it been? $6,400, $800?

• 1:23:25Speaker 03

  Like, two years. Something like that.

• 1:23:28Caleb Hammer?

  It's gonna continue, though. She's gonna bring money into your chicken.

• 1:23:30Speaker 03

  It was in December, so...

• 1:23:31Caleb Hammer?

  Okay, your dad's successful in the business?

• 1:23:34Speaker 03

  Yeah, relatively.

• 1:23:35Caleb Hammer?

  And your mom?

• 1:23:36Speaker 03

  Uh, she doesn't work.

• 1:23:37Caleb Hammer?

  Okay, and they're still married?

• 1:23:39Speaker 03

  Yeah.

• 1:23:39Caleb Hammer?

  Okay.

• 1:23:42Caleb Hammer?

  So you're just spoiled, coddled, to your own detriment.

• 1:23:48Caleb Hammer?

  Ask mom to get off your checking account. I need you to overdraft and feel the consequences of your actions.

• 1:23:53Speaker 03

  I have overdrafted.

• 1:23:55Caleb Hammer?

  And have you felt the consequences of your own actions?

• 1:23:58Speaker 03

  It's not good. I don't like overdrafting.

• 1:24:03Caleb Hammer?

  I need to get her off.

• 1:24:05Speaker 03

  Okay.

• 1:24:05Caleb Hammer?

  Can you call her and ask if she can get off?

• 1:24:07Speaker 03

  Do you want me to call?

• 1:24:07Caleb Hammer?

  Yeah, and ask if she can get off from your... You don't want her on your checking account anymore. This is what I want you to say. I don't like how you said it to your dad.

• 1:24:15Speaker 03

  I'm sorry.

• 1:24:16Caleb Hammer?

  No, it's okay.

• 1:24:16Speaker 03

  I tried to do this.

• 1:24:17Caleb Hammer?

  Hello, mother.

• 1:24:19Speaker 03

  What?

• 1:24:20Caleb Hammer?

  My finances are bad. You keep bailing me out. Can you please get off my checking account?

• 1:24:24Speaker 03

  Okay.

• 1:24:25Caleb Hammer?

  That's what you need to say.

• 1:24:26Speaker 03

  Just say that. Hello, mother. That's funny. How did you know I call her mother?

• 1:24:30Caleb Hammer?

  I know you.

• 1:24:36Speaker 03

  I'm surprised if she answers.

• 1:24:38Caleb Hammer?

  She doesn't answer very often?

• 1:24:40Speaker 03

  No, she might be busy with the dogs.

• 1:24:42Caleb Hammer?

  With dogs?

• 1:24:43Speaker 03

  She's like, well, my sister's dogs are there now. There's just five dogs.

• 1:24:50Caleb Hammer?

  You can double call. Send her a text as well.

• 1:24:53Speaker 03

  I'll send her a text. Maybe call me back.

• 1:24:57Caleb Hammer?

  Yeah, text asking to call back and then make sure you have notifications on.

• 1:25:02Speaker 03

  Yeah, I'll get it.

• 1:25:04Caleb Hammer?

  Okay, student loans. You went for math.

• 1:25:06Speaker 03

  Yes.

• 1:25:08Caleb Hammer?

  Why didn't we go into like engineering or something?

• 1:25:10Speaker 03

  I started out in aerospace engineering, but I failed physics because like

• 1:25:14Caleb Hammer?

  Well.

• 1:25:15Speaker 03

  It was a really bad... They didn't understand my joke, so I failed the exam.

• 1:25:22Caleb Hammer?

  Please do tell.

• 1:25:24Speaker 03

  I wrote gnomes for, I can't remember exactly what it was.

• 1:25:29Caleb Hammer?

  No, no, no. Tell us the jokes. Full context.

• 1:25:32Speaker 03

  I, see, I only remember parts of the context.

• 1:25:35Caleb Hammer?

  Well, try to remember.

• 1:25:36Speaker 03

  I was really pissed at him and it just made me drop the entire thing because I'm like, sciences are not for me if people are like this.

• 1:25:44Caleb Hammer?

  Try to tell me the joke the best you can.

• 1:25:46Speaker 03

  Um, right. So when he was doing his lessons, he mixed up the, um, was it called the units? For something and wrote gnomes. So then I did that on the exam, pretty much. And, uh,

• 1:25:58Caleb Hammer?

  Why would you joke on an exam?

• 1:26:01Speaker 03

  That was funny.

• 1:26:02Caleb Hammer?

  It's an exam.

• 1:26:05Speaker 03

  He marked everyone wrong, though.

• 1:26:07Caleb Hammer?

  Huh?

• 1:26:08Speaker 03

  He marked them wrong.

• 1:26:09Caleb Hammer?

  Wait, how many times did you say gnomes?

• 1:26:11Speaker 03

  Like that, that was the whole exam. Like anytime there's gravity, I think it was gravity, but that's not make sense.

• 1:26:15Caleb Hammer?

  Cause you just put gnomes on every answer?

• 1:26:18Speaker 03

  No, like, like that's the units.

• 1:26:21Caleb Hammer?

  Yeah.

• 1:26:22Speaker 03

  Yeah.

• 1:26:23Caleb Hammer?

  And you put?

• 1:26:24Speaker 03

  Well, I had the right number.

• 1:26:26Caleb Hammer?

  But they marked you wrong on every question?

• 1:26:28Speaker 03

  When I put it, yeah.

• 1:26:30Caleb Hammer?

  Did you bring it up to him and tell him why?

• 1:26:33Speaker 03

  I brought it up to him. He wasn't listening to me. He didn't like me.

• 1:26:36Caleb Hammer?

  Okay. Well, student loans you owe.

• 1:26:39Speaker 03

  Into math.

• 1:26:41Caleb Hammer?

  Huh?

• 1:26:41Speaker 03

  So I went into math.

• 1:26:43Caleb Hammer?

  Twenty seven thou-, yeah, but it's not working out. Twenty seven thousand, four hundred, twenty four dollars and eight cents.

• 1:26:47Speaker 03

  Yep, that's accurate.

• 1:26:49Caleb Hammer?

  Okay, thank you. And do you have minimum monthly payments?

• 1:26:52Speaker 03

  Um, yeah.

• 1:26:54Caleb Hammer?

  What's your minimum payment student loans?

• 1:26:58Speaker 03

  I don't understand how these payments work because, I mean, I would have paid them.

• 1:27:02Caleb Hammer?

  What payment plan are you on?

• 1:27:03Speaker 03

  I don't think I'm on any payment plan right now.

• 1:27:05Caleb Hammer?

  So traditional, you didn't select the payment plan?

• 1:27:07Speaker 03

  I was on a payment plan.

• 1:27:08Caleb Hammer?

  What was your payment plan that you were on?

• 1:27:10Speaker 03

  It was like four hundred, four twenty, something like that.

• 1:27:15Caleb Hammer?

  Really? No, I, your traditional would probably be like three hundred.

• 1:27:18Speaker 03

  Three hundred? Okay. Three eighty-four. No, that's the, that's the one I'm in. Sorry, I'm losing it.

• 1:27:23Caleb Hammer?

  Why? Are you okay?

• 1:27:25Speaker 03

  I'm okay.

• 1:27:26Caleb Hammer?

  I mean, I see accruing interest that is happening.

• 1:27:28Speaker 03

  Yeah, it's probably fifty.

• 1:27:29Caleb Hammer?

  Are you not making minimum monthly payments right now?

• 1:27:31Speaker 03

  I'm just doing two hundred right now. I'm not on a payment plan and I don't understand why it won't let me on a payment plan. It's very annoying.

• 1:27:37Caleb Hammer?

  It's advantage. Just contact them.

• 1:27:39Speaker 03

  Okay.

• 1:27:40Caleb Hammer?

  I'm gonna say your minimum monthly payment is, well, two, if you're saying it's two hundred, then, I don't know. I mean, interest is accruing for what it's worth.

• 1:27:47Speaker 03

  Two hundred will be the interest. That's why I was doing two hundred every month.

• 1:27:50Caleb Hammer?

  Okay, your minimum monthly payment, once you get on the traditional, listen, there are some weird things with the safe plan and everything.

• 1:27:56Speaker 03

  Yeah.

• 1:27:56Caleb Hammer?

  But, um,

• 1:27:58Speaker 03

  That might be a, some weird things.

• 1:28:00Caleb Hammer?

  I'm gonna mark it as three hundred. You need to contact them. I don't want interest accruing when you are not paying, okay? It's like the horrendous loans that just want you to do a minimum monthly payment until they're paid off in the traditional 10 year program.

• 1:28:12Speaker 03

  Gotcha. You don't want me to focus on paying them off if I.

• 1:28:16Caleb Hammer?

  You have 30% debt on the other side. I mean, I don't want you to focus on paying off student loans.

• 1:28:20Speaker 03

  I mean afterwards.

• 1:28:21Caleb Hammer?

  Yeah, maybe. They're at 4.7%. I want you to, how much is in your retirement?

• 1:28:25Speaker 03

  Um, I, well, actually I'm talking, I'm talking to him next week.

• 1:28:30Caleb Hammer?

  Who?

• 1:28:30Speaker 03

  Uh, the 401k guy. I've never talked to him.

• 1:28:34Caleb Hammer?

  Okay, so an admin that manages that for you? Okay.

• 1:28:37Speaker 03

  It's, I think it's, it's definitely over 20,000, but I can't say much more than that.

• 1:28:40Caleb Hammer?

  Wait, do you owe on your car?

• 1:28:42Speaker 03

  Uh, well, it was used as a, it was used as collateral. They took over the loan.

• 1:28:47Caleb Hammer?

  Oh, okay.

• 1:28:48Speaker 03

  Yeah.

• 1:28:49Caleb Hammer?

  The value of it is 17,400, 17,400 is what we're getting. Go on about the 401k. So you have nothing to retire?

• 1:28:56Speaker 03

  I, I have at least, I mean, I put into 401k. I have at least 20,000 is what I remember from my last statement. I just don't know what it actually is.

• 1:29:04Caleb Hammer?

  So weird. So weird.

• 1:29:07Speaker 03

  I haven't never talked to Steve.

• 1:29:08Caleb Hammer?

  Steve, okay.

• 1:29:10Speaker 03

  Sorry.

• 1:29:10Caleb Hammer?

  It's okay. You started your checking account with 157, you ended it with $35. No [bleep] you overdraft. No [bleep]. Oh, savings $1.65. Great.

• 1:29:22Speaker 03

  Yeah, I used to have like.

• 1:29:24Caleb Hammer?

  Like 30,000? Yeah.

• 1:29:26Speaker 03

  Yeah, I had more in savings than that back in the day.

• 1:29:29Caleb Hammer?

  Well, you had more than 30,000.

• 1:29:31Speaker 03

  No, no, I, I had stuff in, I don't know how much if I, you had savings. 30,000 I think was together, like 20,000, then 10,000. Yeah, that makes sense.

• 1:29:39Caleb Hammer?

  Okay, for DoorDash and game funds and Patreon membership, is that ours?

• 1:29:44Speaker 03

  Uh, no, I don't know what the Patreon was.

• 1:29:47Caleb Hammer?

  We literally have more shows and better content and more content than any other membership on Patreon, YouTube memberships, all that stuff.

• 1:29:55Speaker 03

  Yeah, I've never watched your post show.

• 1:29:56Caleb Hammer?

  The post show at Our Hammer Elite has all these extra shows. It's crazy. Thousands of hours of extra content. Literally, it's the second largest on the entire platform. And the platform has told us it is the best one because we offer more value than all the others. Yeah, it's serious.

• 1:30:12Caleb Hammer?

  Oh, what is game funds? Gaming fund?

• 1:30:15Speaker 03

  Yeah, that's CSP in that.

• 1:30:17Caleb Hammer?

  Oh, it's not a couple hundred dollars since [bleep] last year? This is $50, $50, $50, $50!

• 1:30:24Speaker 03

  Yeah, but I win something back, so I.

• 1:30:26Caleb Hammer?

  Oh, [bleep]! Oh, PayPal paying for DoorDash gambling?

• 1:30:36Caleb Hammer?

  Who you sub to on the OF? Oh yeah! OF, sixty dollars, twenty-two cents!

• 1:30:43Speaker 03

  That was March, wasn't it? Yeah.

• 1:30:46Caleb Hammer?

  Who you sub to?

• 1:30:48Speaker 03

  I have no idea. I don't remember.

• 1:30:50Caleb Hammer?

  Was it a V or a donut? Doesn't matter.

• 1:30:54Speaker 03

  It's a V.

• 1:30:55Caleb Hammer?

  Chess.com, Blizzard, gambling, fifty dollars PayPal paying for, McDonald's, Wikipedia, Discord paying for Discord, merch of course, great, crunchy rolls, fuel your addiction there even more, and gambling, gambling, Pizza Hut, Tinder, we'll look at that in the post-show.

• 1:31:17Speaker 03

  Okay.

• 1:31:18Caleb Hammer?

  Yeah, I'll bet ya.

• 1:31:19Speaker 03

  My Tinder's not great.

• 1:31:21Caleb Hammer?

  And we'll look at it in the post-show.

• 1:31:23Speaker 03

  Oh, I could tell you something funny about Tinder, but yeah.

• 1:31:26Caleb Hammer?

  We'll save it for the post-show.

• 1:31:27Speaker 03

  Okay.

• 1:31:28Caleb Hammer?

  Uh, YouTube, Dany's, PayPal for Microsoft, gamblingthrone.com.

• 1:31:35Speaker 03

  What is throne.com?

• 1:31:37Caleb Hammer?

  I don't know, you tell me.

• 1:31:38Speaker 03

  Is that like a subscribe, like subscribing to one of them, sending one of them money?

• 1:31:43Caleb Hammer?

  It's a wishlist for creators. Oh my, no, don't do that. A wishlist for creators? Oh, come on! Come on!

• 1:31:53Speaker 03

  How much was that?

• 1:31:54Caleb Hammer?

  You don't even know?

• 1:31:56Speaker 03

  Like a hundred?

• 1:31:58Caleb Hammer?

  Eighty-nine dollars and thirty-two cents.

• 1:32:00Speaker 03

  So, so like a hundred, yeah.

• 1:32:03Caleb Hammer?

  PayPal paying for PayPal paying for, Amazon Prime, Blizzard, Blizzard, overdraft! Overdraft for OnlyFans and gambling, OF and gambling overdraft.

• 1:32:17Caleb Hammer?

  Sorry, thirty-six dollars in overdraft, right? That last month? You've overdraft three hundred twenty-four dollars this year.

• 1:32:24Speaker 03

  Yeah, I told you it was a lot worse.

• 1:32:25Caleb Hammer?

  What the fuck are we doing, dude? I want you to do so well. You're a pleasant person.

• 1:32:33Caleb Hammer?

  You're socially awkward, but you're a pleasant person?

• 1:32:37Caleb Hammer?

  I want you to do well. You're not gonna do well like this. You've overdraft nine months this year. Uh, but, by the way, guys, these statements went through.

• 1:32:48Caleb Hammer?

  March. He overdrafted nine times through mid-March.

• 1:32:52Speaker 03

  Yeah.

• 1:32:53Caleb Hammer?

  Yeah. Who even knows what it's like today? Sake, that's insane. 15 to 25K and I'm for 1K. Okay, there we go.

• 1:33:01Speaker 00

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• 1:33:31Speaker 03

  There you go. I have no idea how to check it.

• 1:33:33Caleb Hammer?

  Buddy, pull up your Amazon. Let me see.

• 1:33:36Speaker 03

  Oh, my current Amazon's a lot worse than it was in March.

• 1:33:43Speaker 03

  I actually got the Amazon card.

• 1:33:47Caleb Hammer?

  You got the Amazon card?

• 1:33:48Speaker 03

  Yeah.

• 1:33:48Caleb Hammer?

  Well, it's owed on it.

• 1:33:50Speaker 03

  Right now? I mean, it's, it's different than what it was in March, so it's tough to say.

• 1:33:54Caleb Hammer?

  And did I have the Amazon card, did I?

• 1:33:56Speaker 03

  No, I didn't have the Amazon card in March.

• 1:33:58Caleb Hammer?

  No, what do you have on it now?

• 1:34:00Speaker 03

  I think it's like 400, but I can pay that off right now.

• 1:34:04Caleb Hammer?

  Dude, that's 400 that could be going to debt you already have, though. Yeah, pull up your Amazon. Just your Amazon account for me.

• 1:34:11Speaker 03

  Okay.

• 1:34:13Caleb Hammer?

  What are you doing to your life?

• 1:34:14Speaker 03

  Orders. I've been focusing on wellness now. I got into skincare.

• 1:34:19Caleb Hammer?

  Oof.

• 1:34:20Speaker 03

  It doesn't work that good.

• 1:34:22Caleb Hammer?

  What a hyper fixation for no reason. Yeah, you got a little makeup. You got a little makeup. You got a book. What is it? A skincare book? You got Vaseline. You got hand cream?

• 1:34:34Speaker 03

  Yeah, it's that book. That's the book I got.

• 1:34:36Caleb Hammer?

  Towels?

• 1:34:39Caleb Hammer?

  I don't like where this is going. Okay, skin perfecting 2% BHD liquid, tolerance, double repair matte face, resist, perfectly balanced, foaming. Buddy, you go, you, you're going down a rabbit hole. UV clear face sunscreen. I'm glad you're doing sunscreen. I would just do that in a minimum.

• 1:34:53Speaker 03

  I've never done something.

• 1:34:54Caleb Hammer?

  Sunscreen and moisturizer would just change your life.

• 1:34:56Speaker 03

  So I kind of go hard when I get into something.

• 1:34:58Caleb Hammer?

  Yeah, no, and it's bad. Razor, lots of socks, gotta replace the crusty ones. Contact lens case.

• 1:35:06Speaker 03

  Yeah, I don't have matching socks.

• 1:35:07Caleb Hammer?

  Honey.

• 1:35:07Speaker 03

  Sorry, I get socks.

• 1:35:08Caleb Hammer?

  Moist shampoo, natural bar soap. I don't know. Natural bar soap, deep moist treatment. Premium hair mask. Buddy, how much are we doing? Hair thickening shampoo.

• 1:35:21Speaker 03

  Oh, that's just the hyper fixation I get into.

• 1:35:23Caleb Hammer?

  And spray aroma, something. And you have, oh, Elon Musk just tweeted.

• 1:35:31Caleb Hammer?

  I'm glad you have, you have Twitter notifications on for people.

• 1:35:35Caleb Hammer?

  I'm sorry, but I can't, I just can't stand it anymore. This massive outrageous pork-filled congressional spending bill is disgusting abomination. Shame on those who voted for it. You know you did wrong. You know it.

• 1:35:48Speaker 03

  Notifications can kill you because it's just like, it's always constantly something.

• 1:35:51Caleb Hammer?

  I've just never had a notification on for anyone.

• 1:35:54Speaker 03

  Really?

• 1:35:55Caleb Hammer?

  No, anyone posting tweets? No.

• 1:35:57Speaker 03

  I don't, yeah, bad notifications.

• 1:36:00Caleb Hammer?

  Well, you know, Elon, if you're watching this.

• 1:36:02Speaker 03

  Come on, financial.

• 1:36:04Caleb Hammer?

  I think his finances are fine. I'm not worried of that.

• 1:36:07Speaker 03

  It'd be interesting.

• 1:36:08Caleb Hammer?

  But you got a fan here.

• 1:36:11Caleb Hammer?

  He's autistic too.

• 1:36:12Speaker 03

  Yeah.

• 1:36:13Caleb Hammer?

  Total income is 3,400.

• 1:36:19Caleb Hammer?

  That's brutal, man. Almost a third of your income goes to debt minimum repayments. 1,094.86. But at least we still subscribe to OF. But as a fucking Japanese.

• 1:36:32Caleb Hammer?

  Boy or girl? I don't know, but definitely Japanese.

• 1:36:36Speaker 03

  Probably not Japanese, I think Korean.

• 1:36:37Caleb Hammer?

  You're right, South Korean.

• 1:36:38Speaker 03

  Yeah.

• 1:36:41Caleb Hammer?

  What's your rent again?

• 1:36:42Speaker 03

  $4.50.

• 1:36:43Caleb Hammer?

  Utilities?

• 1:36:44Speaker 03

  Um, non-existent.

• 1:36:47Caleb Hammer?

  Phone bill?

• 1:36:48Speaker 03

  Non-existent.

• 1:36:49Caleb Hammer?

  Okay. When you're ready, switch to helium if T-Mobile's in your area. 15 bucks a month. It'll save you money. Gas, vroom vroom, drive drive. How much a month?

• 1:36:57Speaker 03

  None.

• 1:36:59Caleb Hammer?

  What?

• 1:37:00Speaker 03

  Yeah.

• 1:37:00Caleb Hammer?

  How?

• 1:37:01Speaker 03

  I use a card.

• 1:37:05Caleb Hammer?

  Buddy. Oh buddy, come on. Oh dude, car insurance?

• 1:37:13Speaker 03

  Uh, eighty.

• 1:37:16Caleb Hammer?

  And do you pay it?

• 1:37:17Speaker 03

  Yeah.

• 1:37:17Caleb Hammer?

  Groceries, 300. Use our cookbook.

• 1:37:19Speaker 03

  305.

• 1:37:20Caleb Hammer?

  305, sure, use our-

• 1:37:22Speaker 03

  Cause that's $10 a month.

• 1:37:23Caleb Hammer?

  Okay, use our cookbook. TP fund?

• 1:37:27Speaker 03

  Uh, $100. Okay.

• 1:37:29Caleb Hammer?

  $100.

• 1:37:30Speaker 03

  Okay.

• 1:37:31Caleb Hammer?

  Medical, healthcare, anything?

• 1:37:32Speaker 03

  Um, I, I do have, uh, my pills, they're probably, um, $60 a month. That seems a little high as my-

• 1:37:40Caleb Hammer?

  For ADHD?

• 1:37:41Speaker 03

  Uh, ADHD, yeah, ADHD, pretty much, yeah.

• 1:37:44Caleb Hammer?

  $60?

• 1:37:45Speaker 03

  Yeah.

• 1:37:45Caleb Hammer?

  You fucking wired right now?

• 1:37:47Speaker 03

  No, I don't take the stimulants.

• 1:37:49Caleb Hammer?

  Okay. No subscriptions necessary?

• 1:37:52Speaker 03

  Okay.

• 1:37:53Caleb Hammer?

  You have a pet?

• 1:37:55Speaker 03

  Nope.

• 1:37:55Caleb Hammer?

  Yeah, you killed your cat, right?

• 1:37:57Speaker 03

  No. No. There's a cat that lives at my parents, but-

• 1:38:01Caleb Hammer?

  Hmm. Okay. Anything else that needs to be in your budget? Cause this is getting kinda stupid.

• 1:38:08Speaker 03

  I don't think so. Food, we have food.

• 1:38:11Caleb Hammer?

  We did food?

• 1:38:12Speaker 03

  Yeah.

• 1:38:13Caleb Hammer?

  Okay, it's all cause of debt, but 2,095.80 cents is required to survive. What, what number did you have?

• 1:38:23Speaker 03

  To survive?

• 1:38:24Caleb Hammer?

  Yeah.

• 1:38:25Speaker 03

  Um, why included subscriptions?

• 1:38:27Caleb Hammer?

  Well, we don't do that. We're paying off debt so you can have any kind of independence, buddy. Come on.

• 1:38:31Speaker 03

  And add $25 more for TV.

• 1:38:32Caleb Hammer?

  Okay, listen, listen, okay, you have an extra 1,304 left over.

• 1:38:37Speaker 03

  Yeah.

• 1:38:38Caleb Hammer?

  I'll subtract 100, put it to whatever you want, okay? 100 for fun. Yeah, 100 for fun. 1,200 left over, let's just call that. If you tackle this debt, not your student loans, and some of the balances were a little different, so let me re-add it up. $37,582 of bad debt. It's gonna take 31 months, which is okay. Two and a half years. And a total of three years to get a fully funded emergency fund, okay? And then you have a little more independence. What I would do is I'd pick up a second job. You said you don't have much to do outside of work, so pick up a second job, pay off this debt quicker. Try to be fully debt-free, get a fully funded emergency fund. By bringing an extra $1,200 a month extra, that is by a year and a half, you would be done.

• 1:39:23Caleb Hammer?

  And then we save up a little extra money, a couple of months more, and you go use it as first month, last month, security deposit. And you move somewhere and you live a little bit of independence, okay?

• 1:39:33Speaker 03

  Get a better job.

• 1:39:34Caleb Hammer?

  I think that is the goal, okay?

• 1:39:35Speaker 03

  Okay.

• 1:39:36Caleb Hammer?

  So go bring in an extra $1,200 extra net with a second job, whatever it is.

• 1:39:42Speaker 03

  Okay.

• 1:39:42Caleb Hammer?

  Any second job, third job, I don't care. Get rid of this and get a fully funded emergency fund in a year and a half, then have enough to move, and then move. Guys, join us for the post-show. We're gonna go through his dating profiles, probably his OF things, and then some extra drama that we couldn't do

• 1:40:00Caleb Hammer?

  in front of the paywall, cuz it's, you know, big platform, but come join us. Hammer Elite is the best YouTube membership on the platform, so make sure you join it. Helps us out a lot, and we give you a lot in return. Hammer Financial Score, spending in a budget, or spend zero to 10 debt. I mean, it's some stupid debt, high interest debt. Come on, it's gambling debt. It's not good. But no collections, no IRS debt. So one out of 10. Emergency finance, savings, zero out of 10. Retirement, uh, what was it? It was like max 25. It was between 15 and 25. So we'll call it 20. 20 with your income, with where you are in your age, it's going to be about a four out of 10. Real estate, zero out of 10. Definitely behind for your age for retirement, though. Hammer financial score, one out of 10. How much have you spent on skincare total in the last month? Probably like 500?

• 1:40:44Caleb Hammer?

  500 and a [bleep]. Why?

• 1:40:47Speaker 06

  Say your dating app.

• 1:40:48Caleb Hammer?

  Oh, dating app, okay.

• 1:40:49Speaker 06

  His location set to Asia. He just had his location set to Asia. I saw that.

• 1:40:55Caleb Hammer?

  What?

• 1:40:55Speaker 06

  I saw that.

• 1:40:56Caleb Hammer?

  What? Are you trying to get like a Taiwanese bride? Elusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:41:09Speaker 01

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