The Truth About Financial Audit

You can go to my link https://aura.com/hammer to try 14 days for free. That’s enough time for Aura to start scrubbing your personal info off these data broker sites, automatically #sponsored For this final post show of the year, the producers and I sit down to reflect on the updates from these guests, gossip some bts stuff about some of them, and kinda lose our minds lol: Watch here: ➡️ https://bit.ly/chpostshow 🎟️ Save 50% on your FIRST 3 MONTHS with Master Your Money™: https://bit.ly/mym50 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Go to https://ro.co/caleb to see if your insurance covers GLP-1s—for free. ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= ============================= Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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

• 0:31Speaker 01

  Into the wild, the Caltier Panther encounters a shimmering crocodile, a lonely lovebird, a breathless zebra, and a restless tiger.

• 0:45Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Ladies and gentlemen, welcome to our end of the year video, the last video being uploaded in 2025. Listen, this has been an exciting year. All the drum, all the tea, all the crazy finances, clarnying your La Bo Bo and smashing some pianos across the desk. Listen, it's been great, but what is still most important at the literal end of the day are real people's lives. And everyone that comes on this show is just like you in the audience who apply. CalebHerman.com/apply, by the way, if you want to be on next year. The fact is, what matters in the end is the results that they achieve.

• 1:27Caleb Hammer?

  Going through our Master Your Money program, using our app, using the resources we have, using the budget that I make on the show, and taking the tough love approach that I actually take here, even with all the goodness and fun we like to have. What matters is the real results. So I get to give you right now, before we get into the updates, our end of year results, which keeps getting better and better every year. As of the end of 2025, the average financial audit guest has now paid off $22,807 of debt in just 12 months, and the median has paid off $12,000 of debt in eight months. It's incredible, and I want to celebrate all them, even the ones that I literally never want to sit across from again because I hate their personality. I'm a tricky person to get.

• 2:10Caleb Hammer?

  Along with I get it, but I want to hear directly from the people who have been on this show where they are. So let's get into the updates. Let's see where they stand and let's cheer them on or, you know, potentially wish for a couple of their downfalls if they're pieces of shit, but mostly cheer them on. Let's get into that. Get your free trial to the Dollar Wise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. Dollarwise.app or link in the description below.

• 2:49Speaker 03

  Hi, my name is Monica. I'm 25 years old from St. Pete, Florida, and this is Financial Audit. Let me just try only but not nude.

• 2:58Caleb Hammer?

  Okay, it works for a bit.

• 3:00Speaker 03

  It right. So I got up to, I made like $600 in two weeks and then I was just below the IRS, you know, tax. I didn't want to.

• 3:09Caleb Hammer?

  Also just below you being able to pay your bills.

• 3:12Speaker 03

  Yeah.

• 3:13Caleb Hammer?

  That's not much.

• 3:14Speaker 03

  Right. I got off and then I went back on one more time, one more time, a year later, and I ended up spending, I ended up making like six, five or 6,000 in a couple of months. Yeah. And then I'm not sure.

• 3:27Caleb Hammer?

  You just had 206 hours of purchases. What the is that?

• 3:30Speaker 03

  I don't know.

• 3:32Caleb Hammer?

  Oh, my God.

• 3:32Speaker 03

  I don't know.

• 3:33Caleb Hammer?

  Oh, I'm looking at my accounts now. Now that I applied to come on the show a month ago, what the you'd be able to tell me what it is. You'd be able to tell me what the it is.

• 3:40Speaker 03

  Like, it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses were all kind of everywhere.

• 3:46Caleb Hammer?

  $47 minimum to payment purchased. How much you travel?

• 3:50Speaker 03

  Not as much now.

• 3:51Caleb Hammer?

  Good. $1,518.13.

• 3:56Caleb Hammer?

  So let's order on here with a $47 minimum to payment. Again, 206 hours of purchases, $39 payment, $32.33 of interest accrued.

• 4:05Speaker 03

  I tried to like spot out the balance. Yeah, that's my bookkeeping.

• 4:09Caleb Hammer?

  Okay. So that has to be on our credit card that we can't pay off that is accruing interest, though?

• 4:13Speaker 03

  I just put it on my debit card. So.

• 4:16Caleb Hammer?

  No, this is a credit card.

• 4:17Speaker 03

  I know. Okay. Yes. Fair.

• 4:24Caleb Hammer?

  Debt when filmed $50,000, current debt amount $38,000, month since filmed financial audit 3. Technically, my bad debt is $26,000 higher than when I went on the show in September, because my old forerunner broke down two days before I moved to Texas, leaving me with a new car loan I didn't have before. But my IRS debt and credit card debt is down. I've stopped purchasing on my credit cards and paid the minimums on time. Once my IRS debt is paid off in May, I will allocate an extra $1,000 per month to pay down the cards, so it will go much quicker. In other news, I told my mom when I sell the Tarpon Springs house. If I did, I'd be completely debt-free and she would be able to move into a rental that is much more affordable for her. She does not like this idea and has told me she'd refuse to pay the mortgage

• 5:09Caleb Hammer?

  and would not allow buyers to view the house if I listed. The only reason I have not evicted her is because I don't want to stress out my little sister over the holidays. But you best believe I'm going to start taking action on this in early 2026. My mother has convinced herself that she is an investment partner and not a tenant, and has gone as far as using my social security number to change the password to my lending account, so she can bypass me and pay the mortgage herself. The only good news is that she paid November and October, not on time, but she paid. My tenants in St. Petersburg are wonderful and just had a baby yesterday. My rental in Fort Worth is a huge blessing as I navigate this mess with my mom. Thank you for checking in, and I hope you all have a great holiday season.

• 5:52Speaker 04

  I'm Ivory, I'm 35, I'm from Los Angeles, and this is Financial Audit.

• 5:58Caleb Hammer?

  What do you do?

• 6:00Speaker 04

  I play people onstage, offstage.

• 6:02Caleb Hammer?

  You're telling me there's no one, no DJ that plays people on and offstage? In Los Angeles?

• 6:10Speaker 04

  Not on the comedy venues.

• 6:11Caleb Hammer?

  What the f*** are you talking about?

• 6:13Speaker 04

  The melanated theaters, they tend to have more fun, kind of random things. I play a lot of variety shows that aren't even, I'm not doing stand-up, and I'm not playing a set. I'm more so sitting there and then playing the transitions and the underscore, whether it's a scene or whether it's a stand-up comedian.

• 6:31Caleb Hammer?

  Right, and it's $30 for four hours. So clearly, again, this isn't a good job, buddy. No, no, no, I don't give a f***, stop it.

• 6:43Speaker 04

  I just, uh, I kinda just play things like that to whatever anybody says onstage.

• 6:48Caleb Hammer?

  Do that again and I will break it.

• 6:52Speaker 04

  But I-

• 6:52Caleb Hammer?

  I will legitimately break it. That is not me saying that as a bit for the show. I will break it.

• 6:59Speaker 04

  You know, cause there's a, there's a song that I learned for it.

• 7:01Caleb Hammer?

  I will break it. No, I seriously-

• 7:13Speaker 04

  I found that from a beautiful composer online, actually.

• 7:18Speaker 04

  Makes me, uh, you know, it's, I don't mean to bring you to a breaking point.

• 7:24Speaker 04

  But I really enjoyed that song and I wanted to bring it here today.

• 7:39Caleb Hammer?

  I hate this episode. I hate this episode. I hate this episode.

• 7:47Caleb Hammer?

  I'm buying him a new one cause it's, I'm not a piece of ****, but I had to confirm it wasn't sent to **** mental first. I hate this episode.

• 7:59Caleb Hammer?

  Debt when filmed, $22,000. Current debt amount, $14,000. Months since filming Financial Audit, five. Been saying no to the not paying passion project while making decisions toward a career over short-term gigs. While paying contracted projects around progress. Dragging ass on course careers, though. And I'm being told, this is so stupid. It just doesn't stop. It just keeps adding up and adding up and it never ends.

• 8:33Caleb Hammer?

  I hate these spam calls. I hate these spam calls. You ever wonder how these spam calls always know your name? It's because your personal info is being bought and sold in bulk by data broker sites. Everyone's getting rich off of your data brokers, spammers, probably even some politician cashing lobbyists' checks while you dodge 10- spam calls a day and pray your identity doesn't get stolen next it is violating it is infuriating and it makes you feel like you've got zero control and that is why I'm glad to partner with today's sponsor aura because they actually help you fight back or a scans a massive database of data broker sites looking for your info your name your address your phone number and when they find it they send opt out requests on your behalf and here's the kicker they follow up continuously to keep it

• 9:18Caleb Hammer?

  off other companies claim to do this but aura offers the full package no piecemeal no nickel and diming just one platform that actually gives back some peace of mind so try aura for free for 14 days at aura.com slash hammer that's enough time for aura to start scrubbing your data from these sites now let's get back to the show hopefully with fewer people trying to sell your identity

• 9:38Speaker 05

  my name is Riley I'm 20 years old I'm from San Antonio Texas and this is financial audit

• 9:43Caleb Hammer?

  internet moves quick yeah and second of all it's back uh math math is the real math when we're actually talking about your life and improving your situation but if real math

• 9:54Speaker 05

  doesn't work

• 9:57Speaker 05

  then we transition to girl math and we use it to live but I I know you're saying that I'm not financially stable I'm not financially um

• 10:05Caleb Hammer?

  well no because you can't take care of your own bills

• 10:07Speaker 05

  I can

• 10:07Caleb Hammer?

  no you can't

• 10:08Speaker 05

  I have been

• 10:09Caleb Hammer?

  no you haven't they're paying your credit card

• 10:12Speaker 05

  that's not I don't use that for my bills I have

• 10:14Caleb Hammer?

  no no but that is a bill you have to take care of and you are not taking care of it so you cannot take care of your bills

• 10:20Speaker 05

  I will be

• 10:21Caleb Hammer?

  but you're not I have not and you said you are but you're not

• 10:26Speaker 05

  I have very understanding and caring parents that

• 10:28Caleb Hammer?

  no that's fantastic good good congratulations I'm thrilled for you but you're not taking care of your bills okay you're not

• 10:36Speaker 05

  I need to get back on that

• 10:37Caleb Hammer?

  so I think we bring your mom into this conversation she does not want to be on camera uh but we will bring you nameless uh just audio only so I mean okay I you were sitting in the um guest area lobby hearing this conversation my big fear and what I kind of want to just can not necessarily confront you on but ask questions this credit card debt she obviously built up a big balance on the credit card debt um and she's moving out and what she was telling me the whole time is that she's essentially independent and taking care of her bills but she's not you guys are paying for the credit card debt now my big concern is especially with what she just said going and just

• 11:21Caleb Hammer?

  Blowing all the money and financing on some tattoos is what you're doing and paying on this card. Is that really helping her? I don't know if she's learned her lesson.

• 11:31Speaker 06

  But I'm telling you, I have the money.

• 11:32Caleb Hammer?

  Let her respond.

• 11:34Speaker 06

  No, it's not teaching her how to be responsible and how to budget her money better and how to ask herself, do I need this or do I want this? And to do, to do with what you have.

• 11:53Caleb Hammer?

  Mm-hmm. Why are you guys paying for it then? Cause it's, I think it's like harming her actual future. Not that I, again, not that I want her to have to pay off debt.

• 12:02Speaker 06

  Right.

• 12:03Caleb Hammer?

  But clearly from what you were just talking about, I don't think it's helping her. So why, why are we doing it?

• 12:08Speaker 06

  Uh. Cause you love me.

• 12:12Speaker 06

  She was doing well with the credit card. She would, you know, put a gas in her car and she would charge it and she'd pay it off and it went really well. She would get the credit card up to, you know, two, $300. She'd pay it off and we're like, wow, you're doing great with it.

• 12:31Speaker 00

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

• 12:46Speaker 06

  And then I kinda like put it in the back of my mind and then a few months later, I asked her, oh, how's the credit card doing? And she's like, oh, it's about $4,000. And so my husband said, no more. So he took it.

• 13:09Caleb Hammer?

  Well, that's good.

• 13:10Speaker 06

  He took it and we knew that she couldn't pay it on her own since she had just moved out.

• 13:19Caleb Hammer?

  Debt when filmed, $4,000. Current debt amount, $500. Months since filming Financial Audit, 23. After the show, broke up with my ex-boyfriend and moved back in with my parents. I took budgeting classes as well. Got in touch with my bank and set up a plan to be approved for a 3% interest rate instead of my usual 18% for 12 months. I'm already at $500 debt currently and doing well. Smiley face.

• 13:44Speaker 07

  Hello, my name is Monica. I am 23 years old. I am from Hartford, Connecticut, and this is a Goth on Financial Audit.

• 13:55Caleb Hammer?

  Okay, so you went and you didn't have to split with anyone, so you made a ton of money, right?

• 13:58Speaker 07

  Uh...

• 14:00Caleb Hammer?

  What is this? What are you doing?

• 14:04Caleb Hammer?

  Are you a horse?

• 14:06Speaker 07

  Yeah.

• 14:07Caleb Hammer?

  Oh, you're chewing into the mic. People are listening.

• 14:10Speaker 07

  Sorry.

• 14:11Caleb Hammer?

  No, what are you doing? Why do you keep doing this?

• 14:14Speaker 07

  I'm hungry.

• 14:15Caleb Hammer?

  You have a little stash. You can eat afterwards or before.

• 14:19Speaker 07

  I had a long flight.

• 14:21Caleb Hammer?

  You were in the green room for like an hour. Why are you eating into the microphone?

• 14:25Speaker 07

  I was doing my hair.

• 14:27Caleb Hammer?

  Why are you eating into the microphone on a podcast, lady?

• 14:33Speaker 07

  I have an oral fixation with like chewing, but I like to be healthy. Actually...

• 14:39Caleb Hammer?

  Oral fixation with chewing?

• 14:40Speaker 07

  Yeah, because of bored eating, I think, like...

• 14:43Caleb Hammer?

  Don't we all have that?

• 14:45Speaker 07

  Yeah, but you're not supposed to eat when you're bored. You're supposed to only eat when you're hungry.

• 14:48Caleb Hammer?

  Yeah, but like, chewing on pens and bullshit... Oral fixation? Are we like diagnosing that shit?

• 14:54Speaker 07

  Well, that's not a diagnosis. It's more like just a thing. Um, I mean, it helped me lose like 50 pounds, though.

• 15:01Caleb Hammer?

  Really?

• 15:01Speaker 07

  Yeah.

• 15:02Caleb Hammer?

  Okay. Maybe I need to get on the oral fixation.

• 15:06Speaker 07

  I should show you the before and after picture of me and then you'll...

• 15:09Caleb Hammer?

  Okay, well, good for you. Do I get to take them off? Are they easy to take off?

• 15:13Speaker 07

  Yeah, of course.

• 15:13Caleb Hammer?

  How easy to take off?

• 15:15Speaker 07

  Um, just don't put too much glue on it and it...

• 15:17Caleb Hammer?

  I don't know.

• 15:18Speaker 07

  I'll tell you. Don't worry. I can help you. I can help you.

• 15:24Caleb Hammer?

  Fine, do a couple.

• 15:25Speaker 08

  Do a couple?

• 15:26Caleb Hammer?

  I don't care.

• 15:27Speaker 08

  Okay.

• 15:28Caleb Hammer?

  I've never done anything like this.

• 15:29Speaker 08

  Hold on, I need to eat a carrot, give me a second.

• 15:32Caleb Hammer?

  No, fuck your carrots, stop with the carrots.

• 15:34Speaker 08

  No.

• 15:34Caleb Hammer?

  Stop with the carrots, no one gives a shit about the carrots, just don't crunch into the mic.

• 15:38Speaker 08

  Okay.

• 15:38Caleb Hammer?

  You're a little weird person.

• 15:40Speaker 08

  Hmm, because the kiss brain is better, but...

• 15:42Caleb Hammer?

  Am I gonna have the desire to get pegged once I get these on?

• 15:59Speaker 08

  Specifically...

• 16:00Caleb Hammer?

  Pick up the pen, I can't pick up the pen.

• 16:03Speaker 08

  You gotta...

• 16:04Caleb Hammer?

  Here we go.

• 16:08Caleb Hammer?

  Debt when filmed: $30,000. Current debt amount: $17,000. Months since filming Financial Audit: 10. Married and bought a house. Also found people making AI porn of me. And freaks? Heart emoji.

• 16:22Speaker 08

  Hi, I'm Victoria. I'm 34 years old. I live in Houston, Texas, and this is Financial Audit. I've got lots of little friends that I need to feed and keep happy.

• 16:31Caleb Hammer?

  What? What, what are we having? What is like a zoo, are these?

• 16:35Speaker 08

  Yeah.

• 16:35Caleb Hammer?

  Your new kids? Like, I don't... Are these the third children? Or what is, what is even happening?

• 16:42Speaker 08

  Do you want, do you, do you want a road trip down my mini zoo?

• 16:46Caleb Hammer?

  A road trip? I can't go to Houston.

• 16:47Speaker 08

  Like a visual, spiritual journey through my mini zoo. Yeah, so I have 16 tarantulas.

• 16:54Caleb Hammer?

  The fuck are you on?

• 16:56Speaker 08

  Yeah.

• 16:57Caleb Hammer?

  What are you doing with 16 tarantulas?

• 17:00Speaker 08

  Um, well, here.

• 17:07Caleb Hammer?

  You... What is this? How did I not see this?

• 17:12Speaker 08

  So this is, this is Scarlet.

• 17:13Caleb Hammer?

  Okay, I'm actually quite interested right now.

• 17:14Speaker 08

  Yeah, yeah, right, see?

• 17:15Caleb Hammer?

  Hold on.

• 17:16Speaker 08

  And they're addicting.

• 17:17Caleb Hammer?

  Well, I think it's cool, as long as you can afford them. I don't know about that, I don't have 16 dogs.

• 17:22Speaker 08

  Because if you can feed one, you can feed 16.

• 17:24Caleb Hammer?

  Oh, there it is!

• 17:25Speaker 08

  Yeah.

• 17:26Caleb Hammer?

  Oh, so curious.

• 17:28Speaker 08

  Yeah, and I just watched them.

• 17:29Caleb Hammer?

  What are we on, animal planner right now? If we transition from financial audit?

• 17:33Speaker 08

  I told, I told them I want to make you feed her.

• 17:35Caleb Hammer?

  Listeners. Feed her, what am I feeding her? Okay, maybe we'll do that in the post show then.

• 17:39Speaker 08

  Yeah.

• 17:39Caleb Hammer?

  I want to stick to your finances in the main show.

• 17:42Speaker 08

  So I have sixteen of these little guys.

• 17:44Caleb Hammer?

  Okay.

• 17:45Speaker 08

  Yep. But you just watch them. Um, I don't know, they're kind of like, if you're having a bad day, you just go look at them and they make you happy.

• 17:54Caleb Hammer?

  Okay, I don't want that. I'm scared. She's in the web, so she's not just gonna fly out of the web, right? It's right here, you see this guy on, on that camera shot? The, no one told me there was a damn tarantula in this office. You have a secret hermit crab. So not only financial infidelity, but hermit crab infidelity.

• 18:10Speaker 08

  Yeah.

• 18:11Caleb Hammer?

  It's a new one.

• 18:12Speaker 08

  Mm-hmm.

• 18:13Caleb Hammer?

  Why would he not know of the third one?

• 18:15Speaker 08

  Because it hides, it hides, so he only ever sees.

• 18:18Caleb Hammer?

  You told him?

• 18:19Speaker 08

  Um, because, I don't know, my story, when I told him that I got him, I told him I only had two.

• 18:24Caleb Hammer?

  Does he like all these?

• 18:26Speaker 08

  No.

• 18:26Caleb Hammer?

  No.

• 18:27Speaker 08

  No.

• 18:27Caleb Hammer?

  What, no offense?

• 18:28Speaker 08

  I do.

• 18:29Caleb Hammer?

  It's cool, but it's, it's, it's like stink, it's space, it's.

• 18:33Speaker 08

  They're all in my office.

• 18:38Caleb Hammer?

  Debt when filmed, seventeen thousand dollars. Current debt amount, six thousand dollars. Months since filming financial audit, eleven. Life has been a roller coaster. I've made a lot of progress over the last year and have gone from about ten credit card balances to three. Holidays have set me back a little, but since the show, I've gotten a good pay raise and I've eliminated some monthly expenses. I am set to graduate this month and I've already passed my licensing exam. As of January twenty twenty six, I'll be a licensed professional counselor associate and will be looking for some contract work to help pay down my remaining debt and prepare for student loan repayments. Things are currently looking up, although I am still lingering on some poor habits. I do believe I've made a lot of progress in being intentional with what I spend my money on.

• 19:21Speaker 09

  Hi, I'm Maya, I'm twenty-two, I'm from New Braunfels and this is Financial Audit.

• 19:27Caleb Hammer?

  And it was, it was right post she, you downloaded it immediately because this, that expired January twenty-eighth, the Bumble one. So that means you, you fucking, you know, you found out and you downloaded the next day.

• 19:36Speaker 09

  Yeah, I didn't do anything though, I was just kinda like swiping through, I never, I haven't gone on any dates or anything. It was like preferred pure entertainment of, hey, let's see what's out there sort of thing and, uh.

• 19:49Speaker 09

  Dad never went and did any one, so I'll take it as a plus.

• 19:58Caleb Hammer?

  I love the fact that we get permission for me to just fuck around and have fun before. And you have just ruined, like, I just don't understand the point of lying. Listen, you are chatting with Brent today.

• 20:13Speaker 09

  Yeah.

• 20:14Caleb Hammer?

  On Hinge.

• 20:15Speaker 09

  Yeah.

• 20:16Caleb Hammer?

  This doesn't even matter. I don't even care. But the fact that you said like, I want you to listen.

• 20:21Speaker 09

  No, the premium is I never said that I deleted the apps. I said that I had.

• 20:25Caleb Hammer?

  No, but here's the thing. You just got cheated on. Just got cheated on a couple of months ago. Went away from basically an engagement. You're still dealing with his finances? You're in no way gonna go in this in a healthy direction. And the fact is, is I don't want you just fucking around constantly.

• 20:43Speaker 09

  No, I definitely, my, my brain was like.

• 20:46Caleb Hammer?

  No, no, no, no, I don't want you to fuck around like this. I don't care about that. You can do that as much as you want. I'm talking about you have no focus. You just got cheated on. You're going, you're, you're adding like 50 dudes on Snapchat as we're speaking. Like, this is endless Snap. That's why we have Snapchat Plus. But it's the fact that we're going out and drinking every night. It's the fact that we are failing school. It's the fact that we are going to the beach. I don't care. Listen, if you were doing that stuff and you were going out and trying to go on 50 dates a night, fine. If you, if you gave that up and we're going out, okay. But you are doing all these things endlessly, endlessly. You have no focus. You are doing a thousand different things. You're never gonna get out of debt. You're never gonna get out of debt.

• 21:23Speaker 09

  Yeah, I'm kinda just, it's, it's a ju, it's like jumping jets right now. No hopscotch. Just back and forth between everything else.

• 21:34Caleb Hammer?

  Debt when filmed, $45,000. Current debt amount, $3,000. Months since filming Financial Audit, eight. Just working my butt off to get out of the financial hole I put myself into. All my credit cards are up to date and finally on autopay. Then my debt collection accounts are on payment plans that was settled for 80%. Still waiting on the car to be auctioned, but we'll figure it out day by day.

• 21:59Speaker 10

  Hi, my name's Priscilla and I'm 26 years old.

• 22:01Speaker 11

  My name's Tony. I'm 26 years old. We live in Lutz, Florida.

• 22:04Speaker 10

  And this is Financial Audit.

• 22:07Caleb Hammer?

  Thanks for Honestly, the truth is, we just got tired of the business, tired of doing it. And we're like, let's just abandon it. We, it's, it wasn't worth it anymore.

• 22:15Speaker 10

  I mean, we tried to cash flow. We put like thousands of dollars into the business trying to buy.

• 22:20Caleb Hammer?

  Business, okay, okay. Lottery, can you go **** lottery?

• 22:24Speaker 10

  We were trying.

• 22:24Caleb Hammer?

  Lottery, how, you cannot allow this man to convince you into this kind of

• 22:30Caleb Hammer?

  Get a **** brainwash her. She just, but she went along with it because she loves you and she wanted to support you. I love her too. And it was, we had conversations multiple weeks, multiple, whoa, whoa, whoa.

• 22:39Speaker 10

  I've always wanted to try business, so.

• 22:42Caleb Hammer?

  No, all I'm saying is you really wanted to do it and you, you know, convinced her because she wanted to support you. And don't go along with that ****. Call him out his bull I mean, you're, you're, how much have you spent on this? And, and into this business in general?

• 22:57Speaker 10

  We probably put about like seven grand into it.

• 23:00Caleb Hammer?

  Oh, ****.

• 23:04Speaker 10

  How long did it last?

• 23:06Caleb Hammer?

  About a year. A year, right?

• 23:08Speaker 10

  Less than a year and a half, yeah.

• 23:10Caleb Hammer?

  Yeah, something like that.

• 23:12Caleb Hammer?

  I'm gonna chop that card.

• 23:13Speaker 10

  Why don't you just chop up all of them while you're at it?

• 23:15Caleb Hammer?

  Yeah, why don't you **** seriously? Good? That's all the cards. Good, so I That's every Credit cards, credit cards, guy, credit cards.

• 23:25Speaker 10

  Alright, so which ones are the credit cards?

• 23:27Caleb Hammer?

  Every, every single one here, every, every single one. Really? You don't have a single debit card in there? I, I do have debit card, it's just not in here.

• 23:34Caleb Hammer?

  What? Okay, okay, okay, go on. The credit cards, you Go! Okay.

• 23:41Caleb Hammer?

  That's fine.

• 23:43Caleb Hammer?

  Capital one.

• 23:52Caleb Hammer?

  Debt when filmed, sixty seven thousand dollars. Current debt amount, seventy thousand dollars. Months since filming Financial Audit, eight. We got married and went to Japan. These were basically cash flowed through rigorous saving and we are finally focusing on debts as of November and are more motivated than ever to pay them off. We learned skills through our saving for Japan and are ready to apply those to our debts now. Tony also got a new job that pays more, so that's a plus. Winky D.

• 24:21Speaker 12

  Hi, I'm Alexis. I'm 20 years old.

• 24:24Caleb Hammer?

  Hi, I'm Colt. I'm 23 years old. And we live in Palestine, Texas.

• 24:28Speaker 12

  And this is Financial Audit.

• 24:29Caleb Hammer?

  Uh, so you want to be able to provide, i.e. go to work? Is that what you're saying?

• 24:33Speaker 12

  Yeah, like, I wanna...

• 24:34Caleb Hammer?

  Which makes me think that you're saying, "Oh, no, no. No work for you." Well, I mean, on my side, I believe that, like, there's more to the, like, providing to the family than finances. He's a trad.

• 24:47Speaker 12

  Yeah.

• 24:48Caleb Hammer?

  You've married a trad. But you don't want to be trad. You don't... Okay. Seems like an interesting marriage to have been made, because it's kind of a relatively important thing, as in, like, how we live together and exist together as a couple. So you're passing this on to someone else that you're probably related to, potentially. Hey, I'm fine. You're just playing with your little ball there. Are you here? Like, what the [__] is going on? You're just looking down? Are you listening? Are you participating? Why the [__] are you guys here?

• 25:19Caleb Hammer?

  Hello?

• 25:20Speaker 12

  I'm here.

• 25:24Caleb Hammer?

  What am I doing here, dude? I mean, we're obviously here for a reason. Is she? Does she need to be here, or should I send her to the other [__] room?

• 25:37Caleb Hammer?

  Huh?

• 25:38Speaker 12

  Don't.

• 25:41Caleb Hammer?

  Thank God. You're ruining my mood. You're bringing such dark energy to Financial Audit. The [__] does she even know what she's doing right now? You're just being miserable to be around.

• 25:53Caleb Hammer?

  Alright, I brought you a proper, American-style wife, uh, to sit in. Um, he's a good bottom [__], so...

• 26:03Caleb Hammer?

  He'll, he'll play for you for now. Okay. Uh, Discover It. Again, this is what I tried to be on. I, I don't necessarily know how to... She knows what show she's on, right? Yeah. Okay. Don't you? I know what show I'm on. Yeah. Well, your name's Alexis, so...

• 26:27Caleb Hammer?

  Okay?

• 26:31Caleb Hammer?

  Debt when filmed, forty thousand dollars. Current debt amount, thirty five thousand, five hundred fifty one dollars. Months since filming Financial Audit, six. Things are going smooth. Wife got a job and started a business for calibration software.

• 26:44Speaker 13

  Hi, my name's Isabella. I'm thirty four years old. I'm from Clearwater, Florida, and this is Financial Audit. Need better tools. My mom tried to do like Dave Ramsey CDs on me and that just did not help me at all with his teaching.

• 26:58Caleb Hammer?

  If you're stuck in the eighties, I guess.

• 26:59Speaker 13

  Yeah, exactly.

• 27:00Caleb Hammer?

  Nineties, CDs.

• 27:01Speaker 13

  Yeah, yeah, yeah. So I tried that method, that didn't help. And so I'm just trying to really try to.

• 27:06Caleb Hammer?

  What broke the, what did not work there for you?

• 27:09Speaker 13

  Uh, my.

• 27:10Caleb Hammer?

  Cause this thing is pretty damn simple. I don't agree with, you know, some of the debts, the emergency, certain emergency funds too low, but what, what did not work for you?

• 27:17Speaker 13

  Um, I think just how he words things. I just didn't think his, his life didn't, like his,

• 27:25Speaker 13

  his examples and whatnot just didn't align how my thought process works either. So I tried to understand and I tried to implement it and just.

• 27:32Caleb Hammer?

  You're able to fucking comprehend.

• 27:34Speaker 13

  But I just, at the same time, I just didn't really grasp his concepts. I understand the debt snowball effect, but.

• 27:39Caleb Hammer?

  I mean, I'm sorry, I'm not trying to be offensive, but it's literally like the bottom tier basic. Like he even talks like it's the most bottom layer base level.

• 27:47Speaker 13

  Yeah, he's like, I was in like five thousand, hundred thousand dollars of debt and now I have zero. And I'm like, well, that's great for you, Dave, but I'm different.

• 27:57Speaker 13

  Yeah, no, I did, it was just an example.

• 28:00Caleb Hammer?

  Talking about, that doesn't make any sense.

• 28:01Speaker 13

  A bunch of debt and that's why he's like telling people like how to get out of it, how he got out of it.

• 28:06Caleb Hammer?

  It doesn't matter how he got into debt though, his, but.

• 28:09Speaker 13

  How he got out is different than how other people could get out. There's other ways that work for other people.

• 28:13Caleb Hammer?

  Are other ways, but that doesn't mean that the snowball method doesn't work though. That's so confusing. I'm so, I just, I'm not getting your logic yet.

• 28:20Speaker 13

  It didn't help me.

• 28:22Caleb Hammer?

  But why? Because the example you used is like really dumb. Honestly, if I'm being honest, because he had really poorly leveraged real estate, quick note debt. All of a sudden, you can't pay off a credit card? I'm confused. Like, his debt payoff method isn't about the kind of debt he was in.

• 28:39Speaker 13

  Yeah. I, I think, well, he was just trying to teach people to get out of debt because that's how he got out of his own debt. But it's why, but all of them.

• 28:46Caleb Hammer?

  No, he went through bankruptcy. He teaches people. Oh, you're not having me fucking slobber on Dave's right now. I'm, but this is ridiculous.

• 28:54Speaker 13

  Yeah. So my mom had me listen to some of the CDs. I didn't.

• 28:57Caleb Hammer?

  It's basic. It's pay off the smallest debt to the largest debt. How does, because he went through bankruptcy, negate your ability to understand that? That is the most basic.

• 29:06Speaker 13

  I didn't know he went through bankruptcy. That's my fault.

• 29:09Caleb Hammer?

  What? I'm just so confused. I, what?

• 29:10Speaker 13

  I listened to his CDs, but I didn't listen to all of them.

• 29:17Caleb Hammer?

  Debt when filmed, $75,000. Current debt amount, $69,000. Nice. Months since filming financial audit? Seven. Things haven't been great for me. My cat passed away and had to spend a decent amount of money with all vet visits. I got a raise at my job this week, only a $1 raise, but that's pretty good considering people only get 10 to 25 cent raises. I'm still making progress with the class course I received. I didn't even end up going to the other festival in Texas due to the cost either. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone.

• 30:00Caleb Hammer?

  They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-sign a release program. So your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time.

• 30:42Caleb Hammer?

  To reach out. Y refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer. Or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all.

• 31:06Speaker 14

  My name is Sierra. I'm thirty one.

• 31:08Speaker 15

  And I am Jordan and I'm twenty four and we live in Addison, Texas.

• 31:11Speaker 14

  And this is financial audit.

• 31:14Caleb Hammer?

  You're borrowing micro payday loans. It's only a matter of time. You didn't have eleven dollars to go to a skating rink. The are you talking about? You are literally there. You're probably here as a last resort. That's what a lot of people do. You are on that edge. You are going to be drowning before you know it. You have like the last chance to turn it around.

• 31:33Speaker 14

  I have a couple of options.

• 31:34Caleb Hammer?

  What?

• 31:35Speaker 14

  I can always just downgrade my apartment.

• 31:37Caleb Hammer?

  Yes, I would highly recommend that. Immediately. Go on. What's next? Doesn't mean you still won't miss rent. I have a feeling you're gonna feel like you have extra money. So you go blow it all or else you wouldn't be in this position anyway, to begin with. Let's be honest. Go on.

• 31:49Speaker 14

  Well, if I.

• 31:49Caleb Hammer?

  Number two.

• 31:50Speaker 14

  I just haven't downsized yet.

• 31:51Caleb Hammer?

  Number two, what's the next option? Go ahead.

• 31:54Speaker 14

  Well, my tax return is coming up.

• 31:55Caleb Hammer?

  Okay, well, that's a joke.

• 31:57Speaker 14

  I can pay off things.

• 31:58Caleb Hammer?

  Listen, you could have paid it off last year and this is where we are today. So you're either gonna spend it or you pay it off with your tax return without changing your behavior and then you build it up every year.

• 32:05Speaker 14

  My tax return last year went to bills.

• 32:06Caleb Hammer?

  Huh?

• 32:07Speaker 14

  My tax return last year went to bills.

• 32:08Caleb Hammer?

  And what's gonna say it's not gonna go to bills this time?

• 32:13Speaker 14

  No idea.

• 32:14Caleb Hammer?

  Exactly. Well, stop looking at the camera. It's weird. It makes people feel weird out there.

• 32:18Speaker 16

  Okay, I'll try.

• 32:21Caleb Hammer?

  That's not funny. I'll kick you off. I have no problem kicking people off.

• 32:25Speaker 16

  Well, look, there's a nice car in Fortnite that I had to get it and and then they had this skin.

• 32:34Caleb Hammer?

  And you do it for the kids?

• 32:35Speaker 16

  Yeah.

• 32:35Caleb Hammer?

  But you would rather them have that than a roof over their head. Good job. What a future stellar mother you're gonna be. Emerald advance loan. What's this for?

• 32:44Speaker 16

  Oh, yeah, that is from my taxes.

• 32:46Caleb Hammer?

  Past it.

• 32:47Speaker 16

  Um, so basically they let me borrow, uh, they they give you this card and you can borrow money before you get your taxes.

• 32:56Caleb Hammer?

  It's your tax return money to get it before?

• 32:59Speaker 16

  Yes.

• 32:59Speaker 14

  Yes.

• 33:00Speaker 16

  And basically they get, uh, the lady.

• 33:05Speaker 01

  In deepest jungle, Cartier's panther spies a wandering bird that circles the skies. A lovebird, lost and missing his mate, is far from his pass in lonely state. Dry your tears, now bears a start. Follow my steps to heal your heart. Panther stalks through the leaves with silent grace. Through the power of scent, she finds the trace. Behold, two lovers reunite in the skies. A most precious thrill sparkling in their eyes. Together forever, they shine each day, bound by the beauty of Cartier.

• 33:48Speaker 16

  Messed up and gave me too much, so when I digged my taxes...

• 33:52Caleb Hammer?

  What you just borrowed, you just spent it all, you got too much, or did you know it was too much?

• 33:56Speaker 16

  No, and so when I got my taxes, it wasn't even close to that amount because I used to have a problem with having job to job to job.

• 34:05Caleb Hammer?

  Yeah, surprised. I mean, you've only been at Jers for three months. Shocker.

• 34:13Caleb Hammer?

  Debt when filmed, $20,000. Current debt amount, $10,000. Months since filming Financial Audit, eight. Paid off all the money borrowing apps, working on paying off my car.

• 34:25Speaker 17

  My name is Harmony, I'm 28 years old, and I'm from Fort Worth, Texas, and this is Financial Audit.

• 34:32Caleb Hammer?

  Why does your name and your location have to have so many Rs in it? That is very racist towards your mouth.

• 34:41Speaker 17

  I ask that every day of my life, honestly. It is such a mouthful.

• 34:45Speaker 08

  That's what she said.

• 34:47Caleb Hammer?

  What do you do in Fort Worth? Sorry, okay. That's the one time, that one time had to get it over with, please, go. What are you doing?

• 34:55Speaker 17

  Currently do not have a job.

• 34:56Caleb Hammer?

  Legend's force bar, Whataburger, DoorDash and McCallister, DoorDash and Cracker Barrel, Dutch Bros, nothing but kinks, DoorDash and air bread. That's not interest, you...

• 35:07Speaker 17

  But it wasn't, it wasn't... Like, it wasn't...

• 35:10Caleb Hammer?

  Oh, you are...

• 35:11Speaker 17

  Over the limit, up until the end.

• 35:15Caleb Hammer?

  Are you actually, I'm so, oh my gosh, I'm so sorry. Lindsay, may I draw? Cause apparently we have to go back to elementary school real quick. It wasn't over the limit. Catch of a lifetime. She's waiting for you. Come get her. Good death. She doesn't understand basic things. Here's a credit card ballots. Whoa, you're here, you're here, you're here. Oh my goodness. It's, it's pretty close. You know interest is gonna get, wait, oh my gosh. Can you believe it? I don't want it to be that much. Shut the up. There's this much to spend. There's this much to spend. That's exciting. If interest is gonna hit, oh, I'm gonna spend up to here. Oh, shit, now interest is gonna hit, but we're at our credit card limit. What do you think's gonna happen? It's gonna go above! I didn't realize it would go.

• 36:00Caleb Hammer?

  But I didn't want it to be $300 of interest. Like, that's a lot. Oh, we don't know how math works too. Yeah, let's continue to go back to elementary school, shall we? Yeah, I have been calculating and budgeting. Start a budget. Like, two days ago. No, two days ago. Shut the up. That means nothing. $1,500 basically in interest this year so far. Shut the up. I'm glad we have that. Guys, we don't have a job. We don't drive enough in DoorDash, but we're gonna order DoorDash every five seconds of our life. Fuck you!

• 36:30Caleb Hammer?

  Debtwind filmed, $22,000. Current debt amount, $1,500. Months since filming financial audit, five. I got a job in finance. It's a hybrid job and is much better for my health. I am also getting tests run to get an official diagnosis on my physical health issues.

• 36:48Speaker 18

  Hi, my name is Christian. I'm 28 years old and this is financial audit.

• 36:54Caleb Hammer?

  You raided your kid's savings so you could go on vacation and you don't regret it?

• 36:58Speaker 18

  Yeah.

• 36:59Caleb Hammer?

  What the is that? Because that's gonna make me hate you real quick!

• 37:03Speaker 18

  No, I understand. I'm, I figured I valued building memories with him and stuff, taking him experiences. It was worth it.

• 37:10Caleb Hammer?

  Raided!

• 37:11Speaker 18

  Yeah, I figured, you know, I took him to New York four, four times in the last year. Disney World, the Bahamas.

• 37:17Caleb Hammer?

  What the?

• 37:18Speaker 18

  Houston.

• 37:18Caleb Hammer?

  With her?

• 37:19Speaker 18

  Atlanta. Yeah, she went.

• 37:21Caleb Hammer?

  What's the raided?

• 37:23Speaker 18

  Like, I used it all.

• 37:26Caleb Hammer?

  How much was there in your kid's savings? Your kid's savings?

• 37:31Speaker 18

  My savings for him was probably eight to 10,000.

• 37:34Caleb Hammer?

  What the f**k for your four-year-old?

• 37:37Speaker 18

  Yeah, well, I ran it up.

• 37:38Caleb Hammer?

  For your four-year-old?

• 37:39Speaker 18

  I ran it up on my credit cards and then...

• 37:41Caleb Hammer?

  Ran what up? Those trips?

• 37:43Speaker 18

  The trips expenses. I was like, well, I don't want to pay interest. I figured he was...

• 37:46Caleb Hammer?

  I don't want to pay interest, so let me take from my kid's future?

• 37:48Speaker 18

  Well, yeah, he's like a... He's like a 0% loan.

• 37:53Speaker 18

  She, uh, she also gets on to me from her weight.

• 37:55Caleb Hammer?

  In your response to all that?

• 37:57Speaker 18

  I, like I said, I kind of just push it out, you know? I get, I get real anxious about a lot of things and so when, when we're arguing, I get stressed out and I'm just like,

• 38:06Speaker 18

  you know? Yeah. Me and the kid will go visit my grandparents, we'll go hang out, we'll go do something, you know? Let her cool off, come back, she's in a better mood.

• 38:13Caleb Hammer?

  Dude, this is the least... Is it, this is so unhealthy. Do you not know how unhealthy that is?

• 38:19Speaker 18

  Yeah. You know, she's a Vietnamese, you know, they're a little feisty, so...

• 38:26Speaker 18

  I figure that's just how she is. I know she wants me to do better, it's just...

• 38:31Caleb Hammer?

  Vietnamese? Was she born here?

• 38:33Speaker 18

  Yeah, she's from here. Her parents aren't.

• 38:38Speaker 18

  We met serving sushi together at a Japanese restaurant. It's like seven years ago. It's romantic.

• 38:43Caleb Hammer?

  I'm sure she regrets every day since.

• 38:46Speaker 18

  Yeah.

• 38:51Caleb Hammer?

  Debt when filmed? $83,000. Current debt amount? $69,000. Nice again. Months since filming Financial Audit? Two. Much better. The show has completely changed the trajectory of my life, not just financially, but also with my family and in general. Very grateful to have been on and can't wait to film my follow-up episode.

• 39:12Speaker 19

  Hi, I'm Rico Suave, I'm 23 years old and I live in Austin, Texas. This is Financial Audit.

• 39:19Caleb Hammer?

  What job do you want?

• 39:21Speaker 19

  I want to be the guy who just got fired for using the company credit card.

• 39:25Caleb Hammer?

  Do you still have that credit card? Did you give it back?

• 39:28Speaker 19

  Allegedly, the company card is still on my iPhone still, allegedly. In pursuit of buying more chicken potentially.

• 39:36Caleb Hammer?

  Are you actually using it?

• 39:38Speaker 19

  I'm not using it.

• 39:41Speaker 19

  Currently.

• 39:44Caleb Hammer?

  Have you used it since being fired?

• 39:46Speaker 19

  Um.

• 39:47Caleb Hammer?

  Bloody f off.

• 39:49Speaker 19

  If you.

• 39:50Caleb Hammer?

  Off your piece of.

• 39:53Speaker 19

  That's not funny. I'm telling you, man.

• 39:55Caleb Hammer?

  You're not funny.

• 39:56Speaker 19

  They were supposed to reimburse me for gas. I mean, I'm just reimbursing the gas in terms of food, you know? You kind of get what I'm saying?

• 40:04Caleb Hammer?

  They told me you used it to buy.

• 40:06Speaker 19

  I did buy.

• 40:09Speaker 19

  I actually did do that. I did do that. It was good.

• 40:12Caleb Hammer?

  What the am I talking to right now? Um, you're not even close to being considered for a job.

• 40:21Speaker 19

  I mean, think about it, though. I mean, mistakes are made.

• 40:23Caleb Hammer?

  Why would I hire you if you're actually being serious? But you have a weird.

• 40:27Speaker 19

  Yeah.

• 40:27Caleb Hammer?

  Personality. I interacted with him in the lobby earlier.

• 40:29Speaker 19

  Yeah. Actually, he found someone that does very similar business or he's gonna be.

• 40:35Caleb Hammer?

  Business.

• 40:35Speaker 19

  Airbnb manager. That's right. Looking at.

• 40:38Caleb Hammer?

  No one's gonna trust you for that. Cool. Call him right now.

• 40:40Speaker 19

  I'll call him. I'll call him.

• 40:41Caleb Hammer?

  Call him right now and ask, ask if he's seriously considering you for the job. Hundred percent honest. Put him on speakerphone. Put the mic to here.

• 40:47Speaker 19

  Let's do it. I'll call him right now. He's from the.

• 40:49Caleb Hammer?

  Speakerphone right here.

• 40:51Speaker 19

  Speakerphone right here.

• 40:53Caleb Hammer?

  Put the mic here.

• 40:54Speaker 19

  Oh, hey.

• 40:54Caleb Hammer?

  The bottom of the phone.

• 40:56Speaker 19

  Hey, hey, what's up, dude? Um, yo, you're. Yo, so you're gonna consider me, actually hiring me for the, the job, right? Airbnb job, right?

• 41:05Speaker 20

  Well, I'm gonna connect you to the owner. They're looking for somebody because the current, oh, manager lives in College Station, so he needs somebody.

• 41:13Speaker 19

  He does. Does he need someone this week, right?

• 41:17Speaker 20

  I don't know. All I, all I'm gonna be able to do is just connect you with him and then you speak and whatever it comes, yeah.

• 41:22Speaker 19

  Yeah, you tell.

• 41:23Speaker 20

  Yeah, I got you. Yeah.

• 41:24Speaker 19

  You tell him I'm the best, I'm the most on time, I'm the most responsible. Tell him I'm gonna get everything figured out. Um, can I ask why, why are you considering me by chance? Why do you want to consider me?

• 41:35Speaker 20

  Um, you're just the only person that I, that, that seemed interested, so.

• 41:42Speaker 20

  I don't, I don't wanna lead like anybody.

• 41:43Speaker 19

  How much are you gonna pay me, by the way?

• 41:45Speaker 20

  I'm not paying you. Again, he's the one that's working with you. So what it is, remember how I get paid?

• 41:50Speaker 19

  How much?

• 41:51Speaker 20

  Percentage of what it is.

• 41:52Speaker 19

  Do you know how much that, if you can guess? Sorry, cut you off.

• 41:55Speaker 20

  That's, that's something that you have to speak to him. Negotiate about.

• 41:59Speaker 19

  And like.

• 42:00Speaker 20

  Say, tell him, hey, ten percent or something like.

• 42:05Caleb Hammer?

  Debt when filmed, $19,000. Current debt amount, $14,000. Months since filming Financial Audit? Seven. Months since Caleb Hammer still hates Rico Suave? Zero. Rico is doing fine moving to San Diego, possibly taking a lot of degenerate vacations. My twin is moving back to Austin, almost brought a gun to laser tag tournament, hitting up Suavecitas like my life depends on it. Got myself banned from Waymo.

• 42:36Speaker 21

  Rico. Hi, I'm CJ. I'm 33 years old. I live in Austin, Texas, and I'm on Financial Audit. I like getting my little credit every month.

• 42:47Caleb Hammer?

  Yeah, it's like, any gamification that has ever been implemented through a product manager in any kind of system was fully geared towards you because you feel like you're accomplishing something. You're not. You're making them money and you're putting your life on hold and your goals further and further out. Moving to Thailand, it's gonna be a lot cheaper, but you don't have enough money saved up even to get a flight to Thailand. So I don't know what you're talking about. You're not gonna be able to move to Thailand. You're Thailand. Also, you said you have to get to your 250 users a month in order to move there. You're not even the two.

• 43:21Speaker 21

  I mean, I'm at 25.

• 43:22Caleb Hammer?

  Probably because when you got this, the car market was much higher. So it was calculating that buyout value to be higher at the end. The car market value has corrected a little, hasn't gone to where it was pre-pandemic, probably won't for a long time.

• 43:33Speaker 21

  I was thinking of just buying it and then selling it immediately.

• 43:39Caleb Hammer?

  Where is this $16,000? No. Whatever like $20,000 is coming from to buy it right now if you wanted to, 25? Where's that coming from?

• 43:49Speaker 21

  To be honest, I didn't realize that you still had to pay, if you bought it out, that you still had to pay the rest of the payments. So that kind of is thwarting my idea here a little, but.

• 44:01Caleb Hammer?

  How'd you think you would do the 9,000 anyway? You can't do a $1,000 flight.

• 44:09Caleb Hammer?

  Oh my, your vision, how you think you're gonna get there is so incorrect and so just...

• 44:22Caleb Hammer?

  Debt when filmed, $16,000. Current debt amount, $12,000. Months since filming Financial Audit, 11. I started a YouTube channel and I'm about to be monetized in under 50 days. I've quit my salon and I'm working for myself doing hair and focusing on my personal brand and online business. I've moved to downtown Austin since filming.

• 44:43Speaker 22

  Hi, I'm Jessica. I'm 34 years old. I'm from Miami, Florida, and this is Financial Audit.

• 44:49Caleb Hammer?

  What have you got? What am I dealing with here?

• 44:51Speaker 22

  A lot of courses on the same things, to be honest, just from different people.

• 44:55Caleb Hammer?

  Like, what are you doing?

• 44:56Speaker 22

  Like...

• 44:56Caleb Hammer?

  Tell me anything that is actual answer.

• 44:58Speaker 22

  Like, social media, marketing...

• 45:01Caleb Hammer?

  But that's you! You're the one that's supposed to be doing this. Why are you...

• 45:04Speaker 22

  Correct, but I need to expand my skillset. I need to learn. You need to learn and you're still learning every day, aren't you? Are you?

• 45:11Caleb Hammer?

  Yes, am I blowing 20,000 dollars for it? No. For fuck's sake, our thing, our thing, the thing we offer that has like the lowest refund rate in the industry?

• 45:20Speaker 22

  I also have that.

• 45:20Caleb Hammer?

  Well, that's fine, but you get it for free and you know that you get a free refund within a month if you ask for it, if you don't find value. That's how confident we are in it. But even that, all five or whenever this comes out, six of our educational programs plus the budget nap is literally 197. How the fuck did you spend 20,000 dollars when we have like the best in the industry with the most lenient refund and the lowest refunds?

• 45:43Speaker 22

  Yes.

• 45:43Caleb Hammer?

  How the fuck did you spend 20,000 dollars?

• 45:45Speaker 22

  It's a completely different industry, first of all.

• 45:48Caleb Hammer?

  No, you got scammed.

• 45:50Speaker 22

  No, they're great...

• 45:51Caleb Hammer?

  You got hustled.

• 45:53Speaker 22

  They're great coaches, they are.

• 45:54Caleb Hammer?

  Zappalcar balance is insane, dude.

• 45:57Speaker 22

  It's higher now.

• 46:00Speaker 22

  Like, a lot higher.

• 46:02Caleb Hammer?

  You're doing a Spain, a Spain trip with mom, are you affirming that? What the...

• 46:08Speaker 22

  My mom will affirm that.

• 46:09Caleb Hammer?

  Your mom affirmed it?

• 46:10Speaker 22

  I doubt she will.

• 46:12Caleb Hammer?

  No, are you affirming it?

• 46:13Speaker 22

  No, she'll...

• 46:14Caleb Hammer?

  She's paying for the entire Spain trip. You are such a spoiled brat. You've never learned a single skill in your life monetary-wise. And that means when they are gone, you are, you will blow through all the money as you do now. You are going to be destroyed, which means your kid's life is going to be nothing but stress because their mother has refused to learn any skills or sacrifice anything. And they're just gonna see nothing but stress, stress, stress, trying to pay bills, and that's on you. Disgusting. Disgusting.

• 46:39Speaker 22

  That's why I'm here.

• 46:40Caleb Hammer?

  That's why I'm here. Shut the fuck up. Every time I say something, you push back against it, you little tit.

• 46:48Caleb Hammer?

  Debt since filmed, $101,351. Current debt amount, $86,408. Month since filming Financial Audit 2. The month after I filmed Financial Audit, I made $13,000 in my business. It hasn't been consistent $13,000, but it hasn't been $2.5,000 again either. So I was able to pay off all my cards and sold the stupid watch I bought my ex. I still owe my mom and my student loans, but that's about it.

• 47:16Speaker 14

  Hi, my name's Kimberly. I'm 25, from New Braunfels, Texas, and this is Financial Audit.

• 47:22Caleb Hammer?

  Yeah, and you want to have a kid like tomorrow, so what goal matters more?

• 47:26Speaker 14

  The mom. The mom.

• 47:28Caleb Hammer?

  Then why aren't you prioritizing it?

• 47:32Caleb Hammer?

  I don't understand. That's like, your fucking choice. You could just go do that.

• 47:36Speaker 14

  I know, but also like fun-

• 47:37Caleb Hammer?

  Well, not just go do that, but you could at least make the actual progress and the steps that is necessary to get there. Get in our budget, not blowing all our money. I'm spending 2,000 hours more than we're making on a monthly basis.

• 47:47Speaker 14

  Yes, um, but fun is also a priority for me too, and on the spatulaire, she wants to go and get a massage.

• 47:54Caleb Hammer?

  It's a priority for all of us, but which one do you choose? They can't both be the top priority when you're obviously failing one from the other. Your obvious top priority is fun, because that is what your money- No, that is what your money is doing!

• 48:10Speaker 14

  Fun right now. Fun right now.

• 48:12Caleb Hammer?

  But your fun right now is preventing you from having a kid, or you're gonna get a kid in a household that's gonna be stressed financially, and it's not gonna be a good environment.

• 48:21Speaker 14

  Well-

• 48:22Caleb Hammer?

  Not the environment you would want.

• 48:24Speaker 14

  That's true, but I think fun right now, and then focus after the spatulaire, after the wedding, and then after the cruise in September, I will-

• 48:34Caleb Hammer?

  September? We're talking to fucking September! That's a half a year away! You're already talking about having a kid at the end of the fucking year! So, sorry. You're not a raging, that's so stupid!

• 48:45Speaker 14

  I know.

• 48:49Caleb Hammer?

  Debt when filmed $20,000. Current debt amount $13,000. Months since filming financial audit, eight. I've paid off my credit cards and some of my taxes and car. I am attacking the car currently and refinancing at the beginning of the year to hopefully get a better rate. I got my raise finally and that has been so helpful. My Christmas bonus will go straight to the car. Things are looking up.

• 49:11Speaker 23

  Hey, my name is Anastasia. I am 28 years old. I'm from Los Angeles, California, and this is Financial Audit. I mean, I also do Only on the side too, for a little bit of extra income. So I-

• 49:24Caleb Hammer?

  Is that what pushes you over to be able to pay the bills?

• 49:27Speaker 23

  Not really. I mean, Only has kind of gone down a little bit.

• 49:31Caleb Hammer?

  For you or for everyone?

• 49:32Speaker 23

  For, I mean, I don't know about everybody else, but for me, because I, I had a whole ordeal with like an Only agency where they kind of like trashed my account. So, I mean, okay, so I started Only back-

• 49:47Caleb Hammer?

  Here's the LA part. Yeah, this makes more sense.

• 49:49Speaker 23

  So, I started Only back in August and I had the help of my friend who was working for an Only agency. So she actually always told me, don't go to an agency.

• 50:02Caleb Hammer?

  Oh, good. Yeah. Then let's go to an agency. If one of our close friends works for one and says, don't.

• 50:07Speaker 23

  Yeah. So, what happened was I ended up making like 10K that first month and I was like, oh, well, this is fantastic income. So then it started going down. My friend didn't want to really help me as much anymore. So it was kind of on my own at that point. And I was like, well, I don't want to do this on my own. So that's why I went to an agency because I was already giving like her a cut and my other friend a cut to kind of help me with the account. So I was like, I mean, if they're not helping me, like it's not going to be any real like difference. Like I was already giving a percentage away. Probably food came into there. I spent a lot on food because I don't, okay.

• 50:46Caleb Hammer?

  I just realized you're 28. Why did you start? People sometimes like turn 18, immediately get on that OF train when it comes to agencies. Like those agencies just like, oh wait. And then they're like, oh, 18, ah.

• 50:58Speaker 23

  Yeah.

• 50:59Caleb Hammer?

  You started decently late for someone. Why'd you start so late? Like, why randomly did you start this? Like literally becoming an online person working and diddling.

• 51:12Speaker 23

  Um, so I had always kind of like, I don't think I knew about it when I was 18, but.

• 51:18Caleb Hammer?

  I don't know if it existed when we were 18.

• 51:20Speaker 23

  Yeah.

• 51:20Caleb Hammer?

  Oh, you.

• 51:21Speaker 23

  But.

• 51:22Caleb Hammer?

  I'm two years old.

• 51:23Speaker 23

  Damn.

• 51:24Caleb Hammer?

  I'm sorry.

• 51:26Speaker 23

  But, um, I think it got to a point where my savings were like super duper low.

• 51:34Caleb Hammer?

  Oh, see, that's what I don't like. I'm okay with going, doing whatever the fuck you want, as long as it's not like harming someone else, which someone argued that it actually does. But either way, uh, I'm okay with consenting adults doing consenting adult things.

• 51:50Caleb Hammer?

  Debt when filmed, $28,000. Current debt amount, $25,000. Months since filming financial audit, eight. Currently, I am working 40 hours plus doing Instacart on the side. I'm working towards paying off my debt. I have eliminated both the care and Michael's credit cards as well as all the firms in Klarna. I am attempting to pay more on car payments, but the APR is 6%. My credit card loan is the one that makes things tough. I have saved money towards the summer and plan to continue to do so the next six months and have requested summer hours as well. So there's never a time there's no income. I am working very hard towards my debt because I am so tired of living like this. Any extra money I make goes towards loans and other expenses.

• 52:34Caleb Hammer?

  I haven't gotten anything fun for myself in a really long time because I'm putting bills and food first right now. I have planned out how long things will actually take to pay off. And right now, it looks like for the next four years, I'll be paying things off, but I'm making it a goal to have it not be that long.

• 52:50Speaker 23

  Hi, I'm Cassie. I'm 29 years old.

• 52:52Speaker 24

  Hi, I'm Andre. I'm 33 years old and we're from Oklahoma.

• 52:55Speaker 23

  And this is Financial Audit.

• 52:58Caleb Hammer?

  Yeah, let me defend a 35% interest rate when I can't afford life.

• 53:01Speaker 24

  I'm aware the way I got it was dumb. I'm aware the way I got it was dumb.

• 53:04Caleb Hammer?

  No, that is dumb. With your lack of retirement, lack of emergency fund and overall debt situation, it's dumb regardless if you spent it on debt.

• 53:10Speaker 24

  Yeah, I'm, I'm aware of that part, but my nephew was born with a heart condition where every couple of years he has to go get a valve replaced. Open heart surgery and he's laid up forever. And his parents are very anti-new technology, like hi- his newest thing is an Xbox 360. So I got him a PlayStation 5. It's not supported on anything. He can't update any games. He couldn't play with his friends. Most of his discs don't work and we don't have a game store where we're at in Oklahoma.

• 53:36Caleb Hammer?

  Why does that have to be your responsibility?

• 53:37Speaker 24

  I know. It shouldn't be. I've had that conversation with his mom.

• 53:40Caleb Hammer?

  I appreciate the heart of it, man. I appreciate the sympathy.

• 53:43Speaker 24

  That's what I'm saying. I'll defend the heart. I know it was a dumb financial move, but I'll, I'm gonna die on that hill.

• 53:48Caleb Hammer?

  Also, it was more than that. You spent double than just the PlayStation.

• 53:51Speaker 24

  Yeah, it was the PlayStation and then... Go on. Nintendo Switch for my daughter. That she broke two months later.

• 54:00Caleb Hammer?

  Oh my, you guys just get everything. There's nothing you don't get. There is nothing you don't get. And I see a smart watch on you.

• 54:09Speaker 24

  Uh, this was cash flow, no financing, nothing.

• 54:11Caleb Hammer?

  Doesn't matter. It would've gone towards debt. Okay, so are you buying in-game?

• 54:16Speaker 24

  No, no. So I used to. Uh, I was addicted to it when I was like 19.

• 54:20Caleb Hammer?

  19?

• 54:21Speaker 24

  Yeah, I, uh, yeah. I had a lot of money when I was 19 and really no bills. So, uh, I spent, uh, a small house worth on skins.

• 54:30Caleb Hammer?

  On skins? How much?

• 54:31Speaker 24

  Uh, like 92,000.

• 54:33Caleb Hammer?

  92,000?

• 54:34Speaker 00

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

• 54:49Caleb Hammer?

  Those are not even in-game skins?

• 54:50Speaker 24

  Yeah, that's the best part is I don't have any of them anymore.

• 54:52Caleb Hammer?

  When you were 19?

• 54:53Speaker 24

  Yeah.

• 54:54Caleb Hammer?

  Did you sell them?

• 54:55Speaker 24

  No, I got banned.

• 54:59Caleb Hammer?

  Debt when filmed, $32,000. Current debt amount, $4,000. Months since filming Financial Audit, four. We have paid off all of our affirmed debt and all but one of our credit cards and our monthly minimums have gone down by $700 total.

• 55:15Speaker 11

  Oh yeah, my name is Joey. My name is Joseph. I am 31 years old, born and raised in Austin, Texas. And I forgot the last part again. My name is Joseph. I am still 32 and I still live in Austin. My name is Joseph. I forget my age. Hi, my name is Joseph. I'm 33 years old. Guarantee this, I'm gonna make something happen and I will be held to account because, uh, hoping to make a future appearance.

• 55:35Caleb Hammer?

  And you are gonna work every side hustle possible. That extra $1,000 a month becomes an extra $2,000 a month.

• 55:40Speaker 11

  You sure you don't want me to keep at least 500 in case something happens to that car?

• 55:43Caleb Hammer?

  There's a lot of reasons to be upset and you didn't follow the plan that we talked about. I am not upset by paying something you legally have to.

• 55:49Speaker 11

  On the flip side, it's like, well, staying broke is harder and I've done that my whole life, so.

• 55:55Caleb Hammer?

  Did you quote that for yourself right now?

• 55:57Speaker 11

  Should be easier. If anyone said that before, let me know, but that's kind of was like, well, yeah, I don't really have any excuses, do I?

• 56:07Caleb Hammer?

  So what is the situation on this house? How is the minimum monthly payment paid? Who, what, when?

• 56:13Speaker 11

  She sends the money like nine hundred to me because when we, when you factor in all the bills.

• 56:21Caleb Hammer?

  What bills? You're talking utilities and bullshit?

• 56:23Speaker 11

  Yeah.

• 56:25Caleb Hammer?

  Is that half?

• 56:27Speaker 11

  Yeah, that, no, no, it's like, the math is weird, but it's like.

• 56:31Caleb Hammer?

  I need to know how you do it.

• 56:33Speaker 11

  Fourteen hundred between both of us. Cause like there's also insurance and escrow.

• 56:38Caleb Hammer?

  Yes.

• 56:39Speaker 11

  That's like the, the mortgage itself, escrow.

• 56:42Caleb Hammer?

  Yes, what is your minimum monthly payment for that?

• 56:45Speaker 11

  So like half and half fourteen hundred. So.

• 56:48Caleb Hammer?

  Fourteen hundred each?

• 56:49Speaker 11

  Yeah, so she pays.

• 56:49Caleb Hammer?

  Each?

• 56:50Speaker 11

  Yeah.

• 56:51Caleb Hammer?

  Each?

• 56:51Speaker 11

  Yeah.

• 56:52Caleb Hammer?

  Are you bringing twenty-four?

• 56:56Caleb Hammer?

  No, no, no, sorry. What did you say? Eight hundred hours a week? Six hundred hours a week?

• 57:00Speaker 11

  Six hundred for me.

• 57:03Caleb Hammer?

  Twenty-four hundred and it is fourteen hundred each, Joseph. That's, that's sixty percent of your money and that's before utilities, right?

• 57:12Speaker 11

  That's including utilities.

• 57:13Caleb Hammer?

  That's insane, Joseph.

• 57:19Caleb Hammer?

  Debt when filmed, twenty thousand dollars. Current debt amount, six thousand dollars. Months since filming Financial Audit, thirty. Just totaled another car. Thumbs up emoji.

• 57:29Speaker 25

  Hi, my name's Dakota. I'm twenty-three years old and I'm from Detroit, Michigan, and this is Financial Audit.

• 57:36Caleb Hammer?

  Now, I gotta note that, uh, you know, it's a little early in the day. He may have skipped breakfast, so I wanted to make sure we fed you a snack.

• 57:47Speaker 25

  That's crazy.

• 57:50Speaker 25

  You know, I'm not even offended that it's in a dog bowl. I'm more so offended that it's not fruity pebbles, or anything else other than Cocoa Puffs.

• 57:58Speaker 25

  I'm not doing this because it's in a dog bowl.

• 58:00Caleb Hammer?

  I am.

• 58:02Speaker 25

  Pretty good.

• 58:03Caleb Hammer?

  Okay, you pay it off every time. No questions asked, no problems, no late fees, as I go through this entire thing.

• 58:10Speaker 25

  Yes. Everything is on time. I have always been successful on that besides my one missed auto payment on my Best Buy card like three and a half years ago.

• 58:18Caleb Hammer?

  Oh, I guess your ex was very, uh, has a negative image in the furry community?

• 58:23Speaker 25

  Yeah, she is a piece of [BLEEP], total piece of [BLEEP].

• 58:25Caleb Hammer?

  Why?

• 58:25Speaker 25

  Uh, transphobic, racist, ableist, fatphobic, um, everything under the sun.

• 58:31Caleb Hammer?

  Which I think that, uh, that community specifically is all those.

• 58:36Speaker 25

  No, no, no, no, there's bad apples. There's bad apples in every, in every camp fandom. There's bad apples in anime.

• 58:41Caleb Hammer?

  Isn't your, what, what are the furry? I couldn't think of it. Aren't they all fat, trans, and?

• 58:47Speaker 25

  No, no, um, I would say it's a, it's a decently sized demographic of that genre of people. No disrespect.

• 58:54Caleb Hammer?

  Ladies and gentlemen, you know where you love our, uh, financial audits lesbian correspondent. I need a, uh, uh, uh, what, what do we call it? Financial audit lesbian score, please? Zero to 10, zero being the lowest, 10 being the highest.

• 59:07Speaker 26

  On you, okay.

• 59:09Speaker 25

  I know I have a haircut of a lesbian woman. Yeah, a masked lesbian.

• 59:13Speaker 26

  Okay, um.

• 59:14Speaker 25

  And that.

• 59:15Caleb Hammer?

  You sucked a couple [BLEEP].

• 59:16Speaker 26

  Okay, well, I will, oh.

• 59:18Speaker 25

  I've had two [BLEEP] in my mouth.

• 59:19Speaker 26

  This is more like a gay quiz.

• 59:20Speaker 25

  I've been inside two men.

• 59:21Speaker 26

  You've been inside two men?

• 59:22Caleb Hammer?

  But it's a lesbian.

• 59:23Speaker 25

  But I am straight. I've had to figure it out.

• 59:25Speaker 26

  You've been inside two men, but you're straight?

• 59:27Speaker 25

  Yes, I didn't enjoy it. It was honestly the worst thing ever.

• 59:30Caleb Hammer?

  Were you hard?

• 59:31Speaker 25

  Not really.

• 59:31Speaker 26

  Take me through that because you went inside one man and you were like, "Ah, give it one more try."

• 59:36Speaker 25

  Well, yeah, it was like, you know, just because the first bite's not that good doesn't mean the second bite can't be better.

• 59:41Speaker 26

  Yeah.

• 59:42Speaker 25

  So.

• 59:42Speaker 26

  Uh, okay. What kind of car did you drive?

• 59:45Speaker 25

  Lexus. V8, LS460.

• 59:48Speaker 26

  Um. Do you like going to hardware stores?

• 59:52Speaker 25

  No.

• 59:53Speaker 26

  Oh. Do you have any tattoos?

• 1:00:00Speaker 25

  Yeah.

• 1:00:00Speaker 26

  Okay.

• 1:00:01Speaker 25

  Like seven.

• 1:00:02Speaker 26

  Um, I'm trying to think. Have you watched, um, Carol?

• 1:00:08Speaker 25

  Oh, oh, the, uh, the Netflix animated series?

• 1:00:10Speaker 26

  Nope.

• 1:00:11Speaker 25

  Nope, have not.

• 1:00:12Speaker 26

  Yeah, no, this, he's not a lesbian.

• 1:00:13Caleb Hammer?

  What's the score?

• 1:00:15Speaker 26

  It's really not the animated series Carol? Two out of 10.

• 1:00:21Caleb Hammer?

  Debt when filmed, $25,000. Current debt amount, $23,000. Months since filming Financial Audit, 2. I got my credit card APR interest rate dropped from 29.9% to 12% for a year on a fixed term. Disables the card but allows me to pay it off faster. Saving up for a streaming setup now that Twitch graciously gave me my Twitch partner, so I can begin paying down my debts even faster. Life has been good, lots of people recognize me in real life and talk to me about the show. Very grateful for Caleb and the team for having me. PS, I don't actually think Caleb's gay for driving a Tesla, that was just for the cameras.

• 1:00:57Caleb Hammer?

  Let's be real, navigating insurance feels like trying to read ancient scrolls written by lawyers. And if you've been thinking about starting a weight loss journey, but got stuck in the swamp of fine print and phone trees, you're not alone. And that is why I love what Ro is doing. They've built a free tool, yeah, free, to help you check if your insurance covers GLP-1 medications, also known as weight loss injections. It's called the Insurance Checker and it cuts through the red tape like your kid ripping open every holiday gift before 7 a.m. You don't have to be a Ro member and there's no commitment. Just upload your insurance info and a few days later, you'll get a report that shows you what's covered, if prior authorization is needed, and where to go from there. No guesswork, no music, no nonsense. Join over a million people who've already used Ro to check their coverage.

• 1:01:42Caleb Hammer?

  Go to ro.co/Caleb for your free insurance checker, that is R-O dot C-O slash Caleb, to see if your insurance covers GLP-1s for free. And go to ro.co/safety for box warning and full safety information about GLP-1 medications. Let's get back to the episode. Ho, ho, ho and Merry Christmas, Happy Holidays and all that good stuff. You've been extra good this year, so I'm gifting you 50% off your first three months of Master Your Money. Right now through December 29th, you can crush debt, find an average of $200 in savings per month, join a thriving community of budgeting ninjas, and free access to the premium version of the Dollar Wise Budgeting app. But don't wait, my elves are shutting this shit down at midnight on the 29th.

• 1:02:25Caleb Hammer?

  So if you want to get your finances in shape before the holiday hangover hits in the new year, this is your chance. Click the link below to say big on Master Your Money. Happy Holidays, Merry Christmas, Hanukkah, all that bullshit, and see you inside.

• 1:02:38Speaker 27

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

• 1:02:43Caleb Hammer?

  When I was in college, this is used furniture off of Facebook Marketplace that I spent like a hundred bucks on for everything.

• 1:02:49Speaker 27

  I did get a bunch of furniture.

• 1:02:51Caleb Hammer?

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

• 1:02:57Speaker 27

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

• 1:03:03Caleb Hammer?

  I'm going to commit against this generation.

• 1:03:07Speaker 27

  I am so sorry.

• 1:03:08Caleb Hammer?

  Are you being like actually stupid?

• 1:03:10Speaker 27

  No.

• 1:03:10Caleb Hammer?

  Can I ask you that?

• 1:03:11Speaker 27

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

• 1:03:14Caleb Hammer?

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

• 1:03:26Speaker 27

  Yeah.

• 1:03:26Caleb Hammer?

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

• 1:03:44Speaker 27

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

• 1:03:45Caleb Hammer?

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

• 1:03:57Speaker 27

  Well, you asked.

• 1:03:57Caleb Hammer?

  So stupid. I didn't ask that.

• 1:03:59Speaker 27

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

• 1:04:01Caleb Hammer?

  Yeah. And that's your answer is?

• 1:04:03Speaker 27

  Part of it.

• 1:04:04Caleb Hammer?

  Is I get to excuse everything because I'm

• 1:04:07Speaker 27

  Well, no, like

• 1:04:07Caleb Hammer?

  too young to be able to advocate for myself and make mature choices.

• 1:04:10Speaker 27

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

• 1:04:16Caleb Hammer?

  Did you know what that would end up meaning?

• 1:04:18Speaker 27

  Yeah, that it like accrues.

• 1:04:20Caleb Hammer?

  $40 payment on this. $1,535 owed.

• 1:04:26Caleb Hammer?

  Well, it looks like the balance is paid off last month, but then you purchased $1,500.

• 1:04:30Speaker 27

  Yeah.

• 1:04:31Caleb Hammer?

  So what's up with this card?

• 1:04:32Speaker 27

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

• 1:04:34Caleb Hammer?

  Who shared? Shared with who?

• 1:04:35Speaker 27

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

• 1:04:39Caleb Hammer?

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

• 1:04:45Speaker 27

  Because he had no credit.

• 1:04:47Caleb Hammer?

  Tell him to get an intro credit card.

• 1:04:49Speaker 27

  He did. He actually got a FIS card.

• 1:04:51Caleb Hammer?

  Okay, then all of a sudden then we realize.

• 1:04:54Speaker 27

  Yeah, I wanted him to start building credit.

• 1:04:59Caleb Hammer?

  Okay. So he got the FIS card. Great. So why the fuck did he need to be on this card?

• 1:05:02Speaker 27

  I added him before that.

• 1:05:08Caleb Hammer?

  Debt when filmed, $38,000. Current debt amount, $30,000. Months since filming Financial Audit, seven. I got a promotion of work and left my private university to get my management bachelor's at a state college nearby. I also ended up enrolling in a debt management program that has already helped me handle two of my bad debts.

• 1:05:26Speaker 28

  Hi, my name is Evelyn. I'm 29 years old. I'm from Lebanon, Tennessee, and this is Financial Audit.

• 1:05:32Caleb Hammer?

  What the is wrong with you? What is possibly wrong with you?

• 1:05:37Speaker 28

  So I'll tell you what I did with that.

• 1:05:39Caleb Hammer?

  Nothing. You've done nothing.

• 1:05:41Speaker 28

  Exactly. So I took out that loan and then I realized that I couldn't pay it because I didn't have a job and

• 1:05:45Caleb Hammer?

  Yeah, no shit.

• 1:05:46Speaker 28

  So I changed bank accounts.

• 1:05:47Caleb Hammer?

  Are you stupid? What do you mean? This was through your bank? Oh, you just Well, because it was gonna auto debt? Is that what you're saying?

• 1:05:54Speaker 28

  Yes. And there was not a way that you could

• 1:05:58Caleb Hammer?

  It'll probably go to collections because it's not a huge amount and that tends to be where payday loans go. But technically, they could small claims you. They could go legally after you. They could. They have that right. And that rent is incredible.

• 1:06:09Speaker 28

  Amazing.

• 1:06:11Caleb Hammer?

  What?

• 1:06:12Speaker 28

  Just amazing.

• 1:06:15Speaker 28

  You have pretty eyes.

• 1:06:16Caleb Hammer?

  Oh, okay. We're not doing it. I'm not sending you money for tits, dude. Not how this is gonna work. That is not your way out of debt.

• 1:06:23Speaker 28

  I wouldn't send you mine.

• 1:06:24Caleb Hammer?

  I know so many in my life. I'm not gonna out them. But every time he sends, shlong pics the women.

• 1:06:30Speaker 28

  Yeah?

• 1:06:32Caleb Hammer?

  He takes them from Twitter. It's never his.

• 1:06:34Speaker 28

  It's a business.

• 1:06:35Caleb Hammer?

  And I don't do any because it'd be way too risky for me, so.

• 1:06:38Speaker 28

  It's a

• 1:06:38Caleb Hammer?

  Also, no one wants long pics. No one cares about that. Boobs are beautiful. Who wants to skip dick?

• 1:06:43Speaker 28

  Nah, they look ugly.

• 1:06:45Caleb Hammer?

  They do?

• 1:06:46Speaker 28

  They look like aliens.

• 1:06:47Caleb Hammer?

  Thank you for the compliment.

• 1:06:48Speaker 28

  You're welcome.

• 1:06:49Caleb Hammer?

  Your eyes are far apart.

• 1:06:54Caleb Hammer?

  Debt when filmed, $40,000. Current debt amount, $20,000. Months since filming Financial Audit, 12. All debt has been taken care of. I have a brand new car, 600 plus credit score, hopefully starting nursing school in January, have to pay out of pocket, and I'm financially comfortable enough to buy the things I want in life.

• 1:07:11Speaker 29

  Hi, my name's Rex. I'm 34. I'm from Lansing, Michigan, and this is Financial Audit.

• 1:07:18Caleb Hammer?

  You couldn't successfully complete, holding a job for more than six months? You couldn't work in a kitchen? You can't go and sit across a desk from someone without having to sit in a house for a week? You're a child. You're incapable of existing in this world and doing all this stuff that you want to do. And just like, by the way, your kid, you want to homeschool your kid. All this stuff that you are choosing is gonna put you in a position where they're gonna have to put their life on hold to take care of their joke of a dad. That is your choice and it's honestly a disgusting choice. It is a selfish choice and it's a joke.

• 1:07:54Speaker 29

  So them being sick from being in public school constantly is a better thing? So how would I take care of a sick kid? I can't afford a babysitter? I can't afford a hospital bill?

• 1:08:05Caleb Hammer?

  If they can get the sniffles?

• 1:08:07Speaker 29

  Covid is not the sniffles.

• 1:08:09Caleb Hammer?

  I didn't even say Covid, you just said sick. I'm suggesting a cold.

• 1:08:13Speaker 29

  There's hardly even colds anymore.

• 1:08:17Speaker 29

  There's

• 1:08:17Caleb Hammer?

  That's not even true. That's, I know that's not true.

• 1:08:21Speaker 29

  Bring up the wastewater data and look up holes over the last five years. You should check it out.

• 1:08:27Caleb Hammer?

  Buddy, I'm not falling down your conspiracy holes.

• 1:08:31Speaker 29

  If you find the truth to be conspiracy, there are other problems.

• 1:08:35Caleb Hammer?

  That's what everyone says, buddy, that is in your

• 1:08:38Speaker 29

  You've met someone else that's taken this many Covid precautions?

• 1:08:42Caleb Hammer?

  Matt? No, but we've all seen them. Buddy, I, we all know people like you in society and you never go anywhere.

• 1:08:47Speaker 29

  The survivors?

• 1:08:48Caleb Hammer?

  You never go

• 1:08:49Speaker 29

  I'll be here long after the rest of you are gone.

• 1:08:51Caleb Hammer?

  I highly doubt that.

• 1:08:52Speaker 29

  I will be. Tree service company? I was

• 1:08:57Caleb Hammer?

  So long as you've held down a real job.

• 1:08:58Speaker 29

  The tree service company was

• 1:09:01Caleb Hammer?

  How long?

• 1:09:02Speaker 29

  That was almost six months. And I caught a log.

• 1:09:05Caleb Hammer?

  Is this even worth going through your documents? Oh my

• 1:09:09Speaker 29

  I caught a log to the side of my head on that one.

• 1:09:11Caleb Hammer?

  I think you're just lost then. I think you're just, you're gonna be afraid until the moment you die of everything. And I'm not saying people didn't get sick. I'm not, I'm not saying I'm on the other side of it either. I'm not saying I'm on your side. I'm not even taking an opinion or stance because honestly, I'm just not, I just don't really care. I was like, you know, I got a little bit of fever and I was like, oh, this sucks. Hopefully I can go outside again soon. And then I did.

• 1:09:34Speaker 29

  Hopefully I can move again is some people's reality. I didn't, I didn't know that then, that was

• 1:09:39Caleb Hammer?

  Didn't know what?

• 1:09:40Speaker 29

  I didn't know what, who to look for to help me.

• 1:09:43Caleb Hammer?

  Google who to look for to help me?

• 1:09:46Speaker 29

  In, in 2014, I just had, um.

• 1:09:50Caleb Hammer?

  You're able to look things up.

• 1:09:52Speaker 29

  Well, right, but when I looked it up, it just said, go to H and R Block and talk to a tax professional.

• 1:09:57Caleb Hammer?

  Paid ad at the top. Okay.

• 1:09:58Speaker 29

  Um, so I was living in Knoxville at the time in a house that was.

• 1:10:03Caleb Hammer?

  What percentage were you guys estimating?

• 1:10:05Speaker 29

  That, uh, we, well, we were planning for 30%.

• 1:10:10Caleb Hammer?

  You put 30% aside?

• 1:10:12Speaker 29

  No, no, we didn't. That's what we were planning to, um, but we never did.

• 1:10:17Caleb Hammer?

  What the fucking mean third, planning to for a half a decade? You're not planning, now I believe even less that I'm gonna start making money or it's starting, it's starting slowly. It's gonna happen because I was planning and it was five fucking years of planning? Fuck you planning. How much did you, what percentage did you guys actually set aside planning?

• 1:10:36Speaker 29

  Set aside? None. It was just.

• 1:10:38Caleb Hammer?

  Oh, we actually sent you filed estimated taxes?

• 1:10:42Speaker 29

  Well, no, we'd file the, the form.

• 1:10:44Caleb Hammer?

  But you didn't pay?

• 1:10:46Speaker 29

  Right.

• 1:10:48Speaker 29

  Yeah.

• 1:10:50Speaker 29

  Yeah.

• 1:10:54Caleb Hammer?

  Debt when filmed, $400,000. Current debt amount, $400,000. Months since filming financial audit, nine. Been working full-time since the show. My kid starts public school again on Monday. Paid back my loans from friends, working on rebuilding credit and saving for a property.

• 1:11:10Speaker 30

  My name is Logan from San Antonio, Texas, and I'm 21, and this is Financial Audit.

• 1:11:17Caleb Hammer?

  Yes, it is. This has been interesting, the few minutes I've been in the room. When I, when I saw you from afar.

• 1:11:23Speaker 30

  Yeah.

• 1:11:23Caleb Hammer?

  I thought you were either a they/them making me my coffee or just straight up les.

• 1:11:28Speaker 30

  Oh, that, yeah, that's incredible.

• 1:11:30Caleb Hammer?

  He has birthing hips, for those who don't know. Uh, maybe, you wanna stand up and give us a twirl?

• 1:11:35Speaker 30

  Uh, happily.

• 1:11:38Speaker 30

  I think I don't have birthing.

• 1:11:39Caleb Hammer?

  Oh, this is why I saw afar because he has so many things in his pocket. So when I saw him across the studio, I was like, alright, we got a lesbian.

• 1:11:48Speaker 30

  Yeah, big time lesbian vibes. I'm a big time woman lover, so I'll take that.

• 1:11:52Caleb Hammer?

  Yeah, unfortunately, I just have a straight dude.

• 1:11:54Speaker 30

  Yeah, it's not as interesting.

• 1:11:56Caleb Hammer?

  No, it's not.

• 1:11:56Speaker 30

  Everyone likes good lesbian mix up.

• 1:11:58Caleb Hammer?

  Yeah, we love the lesbians.

• 1:11:59Speaker 30

  We really do. She was hardcore with it and the worst part was I had to wake up from work the next day and she was yelling at me until like two, three in the morning. And that's whenever she poured water all over the bed, so I couldn't go to sleep and she have.

• 1:12:09Caleb Hammer?

  Why were you with this woman? I've never been with someone that has done 1% of these things.

• 1:12:14Speaker 30

  And then she, she punched me in the head twice. She, um, yeah, she threw all my broke it, smashed my alarm clock. I can't, you can't, she, I don't know. She blocked me on there. She just didn't want to talk to me.

• 1:12:27Caleb Hammer?

  I have a phone.

• 1:12:30Speaker 30

  She doesn't want to talk to me, bro.

• 1:12:31Caleb Hammer?

  She won't. I will. Plug it in.

• 1:12:34Speaker 30

  I only had time to do the essential parts. I was limited by print time.

• 1:12:37Caleb Hammer?

  It says Hama.

• 1:12:38Speaker 30

  Hama dat dollar. Oh, sorry. Yeah, yeah, it's incredible. Um, uh, the money.

• 1:12:48Speaker 30

  Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is I just make stupid robotics and sometime I do make actual robotics for work.

• 1:12:56Caleb Hammer?

  This is what we're starting a business with next year?

• 1:12:58Speaker 30

  No, no, no, no, no, no. The business is not this. Okay? And that's the whole bit.

• 1:13:10Caleb Hammer?

  To save you from heartbreak in the future, put your dick under there right now.

• 1:13:13Speaker 30

  Yeah, that probably would help my financial situation. Remove the little head and think with the big one, but we've all.

• 1:13:21Caleb Hammer?

  Debt when filmed, $15,000. Current debt amount, $7,000. Months since filming, financial audit, two. I can't lie, locked in. This month of December, I'm about to pay another $4,000 to debt and in January, I'll be done. Heart face emoji. The excited to not have any anymore. Stupid Jeep finally got running and I'm buying some parts for it and selling it in January too. Pretty sick nasty if I do say myself. Also, something kinda cool. I got my savings from zip to $2,500 too in these months. Also, I increased my income from $8,200 a month to all of the last three months I've made between $11,000 to $12,000, which is tight. Been paying hella to the truck too. Everything on the up and up.

• 1:14:05Caleb Hammer?

  Show was fun. A lot more people than I thought found it, which is weird, but okay, I guess. Hope all's well on y'alls and take care.

• 1:14:13Speaker 15

  Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles and this is Financial Audit.

• 1:14:19Caleb Hammer?

  Septum piercing once a week at this point, huh?

• 1:14:22Speaker 15

  Yes.

• 1:14:22Caleb Hammer?

  Okay, I'm glad you answered yes. Are you in the casting department here? Okay, your degree was not in substitute teaching?

• 1:14:30Speaker 15

  I know. My degree was in Chicano Studies and I got a minor in film.

• 1:14:34Caleb Hammer?

  What?

• 1:14:35Speaker 15

  Chicano Studies.

• 1:14:38Caleb Hammer?

  Hold on, I'm real white.

• 1:14:39Speaker 15

  Are you judging me?

• 1:14:40Caleb Hammer?

  No, I'm, I'm, I'm white. Very, very white. I am realizing now. Uh, so I'm Chicano.

• 1:14:47Speaker 15

  Yes.

• 1:14:48Caleb Hammer?

  Is definitely not chicken. I do know that. Okay, I don't know what Chicano is.

• 1:14:55Speaker 15

  Really? What?

• 1:14:56Caleb Hammer?

  I'm from Michigan. I saw one Mexican my entire life until I moved to Texas. Please tell me.

• 1:15:01Speaker 15

  What? You need to go to LA. Chicano, it's a culture, Mexican-American.

• 1:15:06Caleb Hammer?

  And you got a degree in that?

• 1:15:08Speaker 15

  Yes.

• 1:15:10Caleb Hammer?

  On purpose?

• 1:15:11Speaker 15

  Kind of. I wanted to connect. Yeah, I wanted to connect to my roots and.

• 1:15:17Caleb Hammer?

  Cool. Go to f- seminar, go to a cultural landmark or read a book and then don't get a degree that is gonna determine the careers you're going into right outside of college that you're then gonna likely build for the rest of your life. Cause you're not getting a job in Mexican-American Studies.

• 1:15:37Speaker 15

  But I could go back to school.

• 1:15:40Caleb Hammer?

  What the are you talking about? Oh, what is LA? What is LA? Um, no, I'm saying like, I can go name a job that I could go get in nonprofit. Just because it's a nonprofit doesn't mean your job exists somewhere.

• 1:15:57Speaker 15

  If it's like a Mexican-American nonprofit.

• 1:15:59Caleb Hammer?

  Mexican-American nonprofit doing what? What's your job?

• 1:16:04Speaker 15

  I don't know. I only know the job that I have personally.

• 1:16:08Caleb Hammer?

  Which does not require a degree and definitely not that degree.

• 1:16:11Speaker 15

  Yeah. It's true.

• 1:16:13Caleb Hammer?

  So you're wasting your life, you have nothing going for you and you've done nothing and you're thirty.

• 1:16:20Speaker 15

  That's not true.

• 1:16:21Caleb Hammer?

  You're, what the you're talking about? Your debt is only going up. Your overdraft is only going up because you can't stop spending like a animal.

• 1:16:31Speaker 15

  It's minimal payment. It does it on its own. I haven't used overdraft.

• 1:16:35Caleb Hammer?

  Yes, eh, what? Yes, you did.

• 1:16:37Speaker 15

  When?

• 1:16:40Caleb Hammer?

  The first of last month. First of last month, the first of last month.

• 1:16:44Speaker 15

  How much?

• 1:16:44Caleb Hammer?

  It's a normal overdraft.

• 1:16:47Speaker 15

  So just another overdraft? On top of the overdraft?

• 1:16:52Caleb Hammer?

  Yes, it gets added to your little overdraft alone account. Which I've never even seen before, by the way. Congratulations on making Financial Audit history of something so horrible and disgusting. That is not cute. You're gonna piss me off and I'm gonna kick you the off. I'm gonna kick you the off if you keep trying to be cute. You're not being cute. You're being an obnoxious.

• 1:17:13Speaker 15

  Oh, my god.

• 1:17:17Caleb Hammer?

  Debt when filmed, forty-six thousand one hundred dollars. Current debt amount, forty-three thousand one hundred seven dollars. Months since filming Financial Audit, five. My shopping habits and gift giving habits are still bad, but I now have a budget planner that I fill in every month. The beginning of the month, I write down my bills on the calendar. It provides, and at the end of the month, I write down every purchase I made so I could visually see what I'm spending and try to lower it the following month.

• 1:17:43Speaker 15

  Hi, I'm Shar. I'm forty-two years old, from Orlando, Florida, and you're watching Financial Audit.

• 1:17:49Caleb Hammer?

  What was your out?

• 1:17:50Speaker 15

  It's like I'm psychic.

• 1:17:51Caleb Hammer?

  What went out?

• 1:17:51Speaker 15

  Um, seventy or eighty-five hundred dollars.

• 1:17:54Caleb Hammer?

  Very good. So more?

• 1:17:56Speaker 15

  Yeah, more. I probably spent more than I brought in.

• 1:17:59Caleb Hammer?

  Okay, well, it was nine thousand six hundred eighty-four dollars.

• 1:18:01Speaker 15

  Oh dang.

• 1:18:03Caleb Hammer?

  Oh dang it.

• 1:18:04Speaker 15

  How did I spend nine hundred, nine thousand dollars? I mean,

• 1:18:07Caleb Hammer?

  Well, that's the question everyone asks whenever this comes up, but here's the thing. Clearly it's debt, or else you wouldn't be here, honestly, because you are required to have debt in order to be on the show. And that is what must be supplementing this. I see no other way. What is your life? What like, what is going on? Please tell me, tell me just like, what is going on? No, no, no. So listen, you literally just did this before coming on the show. You took that action.

• 1:18:37Speaker 12

  Yes.

• 1:18:38Caleb Hammer?

  Walk me through that moment.

• 1:18:40Speaker 12

  Oh, wait, what did I do before we came?

• 1:18:41Caleb Hammer?

  Oh, you just transferred to the previous card, you. You tit. Listen, you just transferred because remember?

• 1:18:48Speaker 12

  Oh, that city card. I'm so sorry. I thought you were talking about the Capital One. We're all over the place here and I'm already all over the place.

• 1:18:56Caleb Hammer?

  Walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it, even though you yourself are saying you do not like doing it and you do not want to do it.

• 1:19:06Speaker 12

  It's a necessary evil at this point because I've gotten in the cycle.

• 1:19:12Speaker 12

  So I'm cycling.

• 1:19:13Speaker 00

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

• 1:19:29Speaker 12

  Through it. I'm an experienced person and I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded.

• 1:19:42Caleb Hammer?

  Oh.

• 1:19:47Caleb Hammer?

  Debt when filmed, $52,000. Current debt amount, $37,000. Months since filming Financial Audit, three. I paid down my credit card from $21,000 to $10,500.

• 1:19:59Speaker 31

  Hi, my name is Kaylee. I am 37 years old. I live in Mariposa, California and welcome to Financial Audit.

• 1:20:07Caleb Hammer?

  If you have bills to pay, work.

• 1:20:10Speaker 31

  Yeah.

• 1:20:13Speaker 31

  Is it better than nine to five? I only work from 6 a.m. to 2 p.m. So I have like the whole day ahead of me when I get off. It's pretty tits.

• 1:20:19Caleb Hammer?

  Yeah, but that's pretty tits. Okay, interesting. But that means you probably go to bed earlier anyway. I mean, your days are just like shifted, right?

• 1:20:30Speaker 31

  I don't need a lot of sleep.

• 1:20:31Caleb Hammer?

  Okay, okay. Well, that's that. But that's not what matters here. What matters is if you're on the show, you're probably not doing financially well. Is it Garth Bix? Garth Brooks girly?

• 1:20:43Speaker 31

  She is. I was I was telling Lindsay, actually, on our call that I was kicked out of a Garth Brooks concert once. My third one. Do you want that story?

• 1:20:55Caleb Hammer?

  No!

• 1:20:56Speaker 31

  All right. Back to the finances.

• 1:20:58Caleb Hammer?

  I I'm fucking trying.

• 1:21:00Speaker 31

  Okay.

• 1:21:02Caleb Hammer?

  My goodness, I have just insane notes about your spending. How you're just blowing money buying weight loss supplements from China.

• 1:21:10Speaker 31

  Oh, yeah.

• 1:21:10Caleb Hammer?

  On the gray market. It was like Ozempic, and then you started buying things to lose weight and injecting them from China. Then you started getting into pharmaceuticals from India. You gained a bunch of weight when your boyfriend started dating.

• 1:21:23Speaker 31

  Yeah, I did, yeah.

• 1:21:24Caleb Hammer?

  And now you're still spending $21 for 10 doses of Bootleg Ozempic.

• 1:21:29Speaker 31

  Trisepotide. There's a difference.

• 1:21:31Caleb Hammer?

  What the fuck are you doing? And you're reselling it to your friend? What are you? What is your life?

• 1:21:40Speaker 31

  Not that bad from like the day to day. It's just when you look at it from the outside, it does look pretty.

• 1:21:46Caleb Hammer?

  When we put your life together and actually look at it, it's crazy and fucking insane. Yeah.

• 1:21:56Caleb Hammer?

  Debt when filmed, $8,000 credit cards. Current debt amount, $3,200 credit cards. Months since filming Financial Audit, six. I already did this with Lindsay. We just filmed our check-in, but life is good. Two of the three cards are paid off. I even ran up the balance further on the 0% card when I bought flooring because I knew I could pay it off. Sunglasses emoji. The third card is a work in progress. My boyfriend is fantastic and still sober. My child is still in my custody. Alameo. And I'm no longer working at the crazy hotel. I got a much better and more chill job.

• 1:22:30Speaker 09

  Hi, my name is Kylie. I'm 34.

• 1:22:32Speaker 32

  Hi, my name is Timothy. I'm 33, and we are from Las Vegas.

• 1:22:36Speaker 09

  And this is Financial Audit.

• 1:22:38Speaker 32

  Like, I just had a full-blown seizure. This is, you know, on your guys' part because you guys have added all this extra stress to my life. You guys don't care about neurodivergent employees. La la la.

• 1:22:49Caleb Hammer?

  Neurodivergent? What's your neurodivergent?

• 1:22:50Speaker 32

  I, I don't know. I gotta, I gotta go in and get tested at some point. I might be ADHD or autistic.

• 1:22:57Caleb Hammer?

  He doesn't have anything! He doesn't fucking have anything and he emails the fucking company saying, "You don't care about neurodivergent." By the way, I don't have anything. You don't care!

• 1:23:05Speaker 32

  No, I've done the self-assessments. I've been assessed with-

• 1:23:08Caleb Hammer?

  What, did you take an online autism quiz?

• 1:23:11Speaker 32

  Yeah.

• 1:23:12Caleb Hammer?

  Oh, that's like the Harry Potter house assessment quiz. Those are so nothing!

• 1:23:19Speaker 32

  Alright, well, I know how my brain works and it's fucked up and I don't think it's normal, so I find it neurodivergent because I'm not neurotypical.

• 1:23:28Caleb Hammer?

  No, I feel like you went down the rabbit hole of self-diagnose forever. Now you had a seizure, that's something, but come on, self-diagnosing-

• 1:23:36Speaker 32

  Brain-

• 1:23:37Caleb Hammer?

  They don't get diagnosed yet!

• 1:23:39Speaker 32

  Yeah, I need to. I've been dealing with some other-

• 1:23:42Caleb Hammer?

  This was multiple years ago.

• 1:23:43Speaker 32

  No, it was like two years ago and I've been dealing with other-

• 1:23:47Caleb Hammer?

  What is wrong with you guys? What is wrong with you? Discounts at Disney? We weren't discounting at Disney! We doordashed Dunkin', doordashed Dunkin', doordashed McDonald's, went to McDonald's, doordash Dunkin', doordash pizza, doordash Dunkin', doordash Dunkin', doordash McDonald, doordash Dunkin', doordash Wendy's, doordash Jersey Mike's, doordash McDonald's, Etsy, doordash double dash, doordash McDonald's, doordash Dunkin', doordash Wendy's, doordash Dunkin', Marcy's, doordash Dunkin', doordash Dunkin', doordash Dunkin'.

• 1:24:21Caleb Hammer?

  It is 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 24 purchases on this card and now one of them was considered a necessity. They were all in fact completed, both!

• 1:24:43Caleb Hammer?

  Debt when filmed, $51,000. Current debt amount, $45,000. Months since filming financial audit? Six. We started with a budget right away, canceled outdoor dash accounts, paid off all credit card debt, and started saving. We currently have two months of expenses saved, working up to six before starting a self-directed investment account. We went on a family trip to Disney World and saved before purchasing tickets, so we had no debt to come home to, and we talk about finances a lot more often.

• 1:25:09Speaker 33

  Hi, I'm Nicole and I'm 38 years old.

• 1:25:12Speaker 34

  I'm Sam, I'm 39, and we are from northwest Arkansas.

• 1:25:16Speaker 33

  And this is Financial Audit.

• 1:25:19Caleb Hammer?

  Guys, I'm excited. I love a good couples audit. Thanks for coming down to Austin. Nicole, you're the one in front of me, so let's start with you. What do you do for a living in northwest Arkansas?

• 1:25:29Speaker 33

  I do only [BLEEP] as a foot model.

• 1:25:37Caleb Hammer?

  That kind of makes sense because you've certainly aged out of normal OF.

• 1:25:44Caleb Hammer?

  Okay, so a sex shed, I guess, is our goal. Instead of paying off $48,000 of bad debt, why does that make sense? Can someone walk me through why that makes sense versus the priority of bad debt?

• 1:25:54Speaker 34

  More custom content, me being able to sell off some of my collection is bringing, and yeah.

• 1:26:01Speaker 33

  Yeah.

• 1:26:02Caleb Hammer?

  So having the sheds is going to allow you to sell off the content?

• 1:26:05Speaker 34

  So right now, if I want to sort through my cards, I literally have to unstack those 5,000 boxes and take the one that I want and put it on the bed and sort in the lid on the bed.

• 1:26:17Caleb Hammer?

  But if they're on the shed, wouldn't that take away space and ruin the space for content?

• 1:26:21Speaker 34

  I'd have a table and to spread them out. But yes, I mean, that would take away room for content, but it's a pretty decent sized shed.

• 1:26:27Caleb Hammer?

  What kind of space is needed for, then I would assume you already, how does the 1,600 square foot house not have a corner?

• 1:26:34Speaker 33

  Because, like, an actual private corner that is not loud and have other sounds.

• 1:26:42Caleb Hammer?

  So if the kids see mother walk to shed, they know she's getting her freak off?

• 1:26:45Speaker 33

  Well, a lot of the times I won't do that. Like, I do when they're in school and stuff and like-

• 1:26:49Caleb Hammer?

  They're- Is that not the answer then? Already?

• 1:26:54Speaker 34

  I mean, school just started back.

• 1:26:57Caleb Hammer?

  I know, but, but if we only do it while they're in school, because you can stock up for the summer. I mean, content is easy to-

• 1:27:03Speaker 33

  No, because that's the thing. I get too tired and I don't want to do it of, and it's-

• 1:27:08Caleb Hammer?

  Feet.

• 1:27:09Speaker 33

  Yeah, but it's a lot harder than you think of-

• 1:27:12Caleb Hammer?

  Okay.

• 1:27:12Speaker 33

  Setting up in my little area.

• 1:27:14Caleb Hammer?

  Believe it or not, I know a couple of things about content.

• 1:27:16Speaker 33

  You do, and yeah.

• 1:27:17Speaker 34

  And this is a really big production.

• 1:27:20Speaker 33

  Yeah. Mine is, I do it all by myself.

• 1:27:23Speaker 34

  She does it all by herself.

• 1:27:24Speaker 33

  And I'm a perfectionist.

• 1:27:25Caleb Hammer?

  I never did that.

• 1:27:26Speaker 33

  I believe you didn't.

• 1:27:27Caleb Hammer?

  An endless amount of time before I was able to bring out people.

• 1:27:30Speaker 34

  Absolutely.

• 1:27:30Speaker 33

  But did you have kids that were around you and then like-

• 1:27:33Caleb Hammer?

  No, but you said they're in school.

• 1:27:35Speaker 33

  Yes, but it's also like with my mom and the dog and all of that, trying to clean the area, get the lighting.

• 1:27:45Caleb Hammer?

  Debt when filmed, forty-six thousand dollars. Current debt amount, thirty-eight thousand dollars. Months since filming financial audit, five. Enrolled in a debt consolidation program that lowered my interest rates and consolidated to one monthly payment. No longer have revolving credit card balances and I'm working on selling most of my MTG collection. I am keeping my decks and buying singles if I build new ones, but selling my collection of cards.

• 1:28:09Speaker 35

  Hello, my name is Natasha, I'm twenty-nine years old.

• 1:28:12Speaker 36

  And I'm Oscar and I'm thirty-two years old and we're from Phoenix, Arizona.

• 1:28:15Speaker 35

  And this is Financial Audit.

• 1:28:18Caleb Hammer?

  I'm gonna go three, two, one, point. On point, I want you guys at the exact same time to give me what you think your financial score is, zero to ten, zero being the worst, ten being the best, okay?

• 1:28:27Speaker 35

  Okay.

• 1:28:28Caleb Hammer?

  Three. Trace. Dos. Uno.

• 1:28:32Speaker 35

  Five.

• 1:28:33Speaker 36

  One.

• 1:28:34Caleb Hammer?

  Almost at the same time, you're- Why, again, why five? Why do you think you're middle of the road?

• 1:28:39Speaker 35

  Caleb, what F you, okay? I think everybody has debt, um-

• 1:28:44Caleb Hammer?

  Okay, that's not true, but yes, Americans love debt.

• 1:28:47Speaker 35

  I think that, I really think that I try not to spend as much or try to like do everything I want to do, so-

• 1:28:58Speaker 35

  I try to hold myself back and not spend as much.

• 1:29:03Speaker 36

  I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself.

• 1:29:12Speaker 36

  Like she doesn't care about the numbers, like what the numbers are showing. She just think everything is just gonna get resolved out of nowhere.

• 1:29:19Caleb Hammer?

  I will say, because I know immigration is such a hot top, a hot button topic right now. In a non-controversial way, because obviously every country chooses, or I guess, you know, wants to choose who is coming in and out. You're the fucking like, you're the fucking dude, because we have a declining birth rate. If people are gonna come here, I want you. This dude's coming here, working forty, fifty, sixty hours a week, grinding, adding to population increase, you know, that's what I like. I like people who are fucking coming in. And then they're like, oh, I love America, I'm gonna work and, you know, contribute to the overall culture. I love that.

• 1:30:00Speaker 35

  Good job.

• 1:30:00Speaker 36

  Thank you.

• 1:30:01Caleb Hammer?

  You.

• 1:30:02Speaker 35

  Stop. You're so bad.

• 1:30:05Caleb Hammer?

  No, you're okay.

• 1:30:06Speaker 35

  I promise, I've always had a job, I'm a hard worker.

• 1:30:09Caleb Hammer?

  We've always gotten fired from a job.

• 1:30:10Speaker 35

  Just this past couple of years, because I had really hard losses, I promise.

• 1:30:14Caleb Hammer?

  Are you guys protected right now?

• 1:30:16Speaker 36

  Yeah.

• 1:30:17Caleb Hammer?

  Currently?

• 1:30:18Speaker 36

  We have a, we have a work permit that we have to renew every two years.

• 1:30:22Speaker 35

  Yeah.

• 1:30:22Speaker 36

  As long as we don't get like any felonies or tax evasions, anything like that, then.

• 1:30:30Caleb Hammer?

  Debt when filmed, a hundred thousand dollars. Current debt amount, seventy seven thousand dollars. Months since filming Financial Audit, two. We participated in October. The biggest advice we received was to get rid of our truck. As soon as we got home the next day, we went and traded in the car for a fifteen thousand dollar family SUV. We paid off two accounts and we are working on paying off another account of about one thousand five hundred dollars after the holidays. Oscar will have a lot of days off as he works in construction and they do not pay for days off or holidays. We have to make sure we will be good for the next month before we try to pay another thing off. We are only getting one gift per kid and no gifts to each other from Oscar and I. Thank you for all your guys' help.

• 1:31:11Speaker 37

  Hi, I'm Taylor, I'm thirty one years old and I'm from Austin, Texas. And this is Financial Audit.

• 1:31:18Speaker 37

  Like when you lose that income-

• 1:31:19Caleb Hammer?

  Totally agree. It's been seven months. [BEEP] off.

• 1:31:21Speaker 37

  Seven months is not a lot of time.

• 1:31:23Caleb Hammer?

  Seven months is a lot of time.

• 1:31:24Speaker 37

  Especially when you have kids.

• 1:31:25Caleb Hammer?

  Seven months is a lot of time to make seven individual budgets.

• 1:31:28Speaker 37

  Kids are.

• 1:31:28Caleb Hammer?

  I do. It is math. It is numbers. I make budgets for- It's not math?

• 1:31:33Speaker 37

  Okay, it's math.

• 1:31:34Caleb Hammer?

  The numbers around kids are not math?

• 1:31:36Speaker 37

  You can't just label like, oh, it costs 10 grand a year for each kid and like, whatever.

• 1:31:40Caleb Hammer?

  I don't do that. I budget based on the household. Have you ever watched this show? Or are you just a moron? I know everyone that comes on the show watches the show, so you're either just a dumb [BEEP] sitting here trying to make an argument that doesn't exist. You're trying to fight an argument that I've never made.

• 1:31:54Speaker 37

  Seen like, three episodes of your show. I didn't even know, really, the show until my friend told me about it.

• 1:31:58Caleb Hammer?

  Okay, you've seen three episodes. I think you've seen a decent amount of the show.

• 1:32:02Speaker 37

  Yeah.

• 1:32:03Caleb Hammer?

  Doesn't change that much.

• 1:32:04Speaker 37

  Kids and what they cost fluctuates.

• 1:32:06Caleb Hammer?

  Numbers and fluctuates and guess what? You put that in budgets. Yep. Late payment. Who would have thought? Forty-one dollars. Fee. Thirty-two dollars, seventy-five cents interest.

• 1:32:20Caleb Hammer?

  Oh.

• 1:32:23Caleb Hammer?

  You've had three late fees this year.

• 1:32:26Speaker 37

  But none have hit my credit.

• 1:32:28Caleb Hammer?

  Doesn't matter. It's more money you owe, you dumb [BEEP].

• 1:32:33Speaker 37

  I've never-

• 1:32:34Caleb Hammer?

  Thousands in interest and fees.

• 1:32:35Speaker 37

  I have never paid attention to that.

• 1:32:39Caleb Hammer?

  Why?

• 1:32:40Speaker 37

  Like, I guess, just ignorance. Like, I just don't-

• 1:32:42Caleb Hammer?

  Ignorance?

• 1:32:43Speaker 37

  Yeah, like-

• 1:32:44Caleb Hammer?

  In what way?

• 1:32:45Speaker 37

  Well, ignorance of like-

• 1:32:47Caleb Hammer?

  You didn't even know it to look?

• 1:32:49Speaker 37

  I mean, I know that there's interest being added to it. I know that there's fees, but I'm not looking.

• 1:32:53Caleb Hammer?

  That's ignorance. That's more willful-

• 1:32:55Speaker 37

  Neglect.

• 1:32:56Caleb Hammer?

  Yeah.

• 1:32:56Speaker 37

  Yeah.

• 1:32:58Caleb Hammer?

  Taylor Swift shop. You.

• 1:33:02Caleb Hammer?

  It was all necessities, guys. PayPal out nine fifty. Fan fix. Fan fix?

• 1:33:08Speaker 37

  I think that's like a-

• 1:33:09Caleb Hammer?

  Fun material?

• 1:33:10Speaker 37

  No, like a subscription on Amazon for something.

• 1:33:13Caleb Hammer?

  Hmm.

• 1:33:19Caleb Hammer?

  Debt when filmed $530,000. Current debt amount $85,000. Months since filming the financial audit? Two, I transferred the mortgage back to my ex-husband and moved into a rental that is $1,000 a month cheaper than the mortgage. I'm using the extra 1,000 hours a month to pay down balances and get caught back up.

• 1:33:38Speaker 38

  Hi, I'm Aubrey, I'm 27. I'm from Johnson City, Tennessee, and this is the financial audit.

• 1:33:44Caleb Hammer?

  You're right, bills will always be there if you don't pay them. Why don't you pay your bills?

• 1:33:49Speaker 38

  I'm not paying them because, I don't know why I'm not paying them. I should pay them.

• 1:33:53Caleb Hammer?

  That's not an answer.

• 1:33:54Speaker 38

  I do pay on them, but like when it gets to this point, I just feel like, oh, well, just, I'm just not gonna pay on anymore, because what's the point? I'm already screwed.

• 1:34:04Caleb Hammer?

  What the fuck are you talking about? No, no, no, no, no, no. You pay, you make progress, you get out of it, and then you're not screwed. What do you mean?

• 1:34:12Speaker 38

  But where I live, paycheck to paycheck, it's so hard.

• 1:34:15Caleb Hammer?

  You don't have a paycheck! What paycheck are you paycheck to paycheck with? You don't have a paycheck, you don't make money!

• 1:34:19Speaker 38

  For now, I don't, but I will.

• 1:34:21Caleb Hammer?

  Paycheck to paycheck, you're around to around, your friend to friend. Paycheck to paycheck. How would you actually make a paycheck and I'll be proud? Oh, I am irritated. I am irritated. Oh, okay. Oh, sorry to not... Oh, gosh. Not a statement, not a question, not a but. Answer the question, please, please, please, please, please, please. Please.

• 1:34:51Speaker 38

  I mean, a credit score, the credit score that I have now, it's not good, but it's better than not. It was than what you stopped.

• 1:34:59Caleb Hammer?

  Excuse me, can you not answer my question? Can you seriously not answer it? Are you incapable?

• 1:35:04Speaker 38

  No, I'm capable.

• 1:35:06Caleb Hammer?

  Capably answer it then. What credit are you planning to take advantage of?

• 1:35:13Caleb Hammer?

  Like right now.

• 1:35:15Speaker 38

  I don't, okay, I don't know. I just think that.

• 1:35:18Caleb Hammer?

  Okay.

• 1:35:19Speaker 38

  I just think that. Any credit is better than no credit.

• 1:35:23Caleb Hammer?

  If you're gonna take advantage of credit.

• 1:35:26Speaker 38

  Well, what if I close some credit cards, but then keep some open, not close all of them?

• 1:35:30Caleb Hammer?

  Do you understand why I'm saying to close them? Because you can't control them. You spend on them. They're above the credit card limits. You're not making your payments. You are not a credit card person.

• 1:35:40Speaker 38

  Okay.

• 1:35:40Caleb Hammer?

  You cannot have access to them because the credit industry is bending you over and you are not taking advantage of them. They are taking advantage of you. You in no way whatsoever are getting any benefit. They're getting all the benefit and rewards that they seek and they gain off of you. They are taking advantage of you.

• 1:36:03Caleb Hammer?

  Debt when filmed, thirty-five thousand dollars. Current debt amount, nineteen thousand dollars. Months since filming financial audit, nineteen. I realized after coming off of the show that I didn't care about my finances the way I should have long before. I barely skated by and was on the path to be a slave to the lender for the rest of my life. So, I began to shift my priorities and realized getting out of debt meant freedom. I had mentioned I wanted to travel, but how could I living the way I was? I decided to accept defeat with my credit cards and realized there was no way I could ever win. I was living out of my means, which meant I either needed to start grinding to make more money or lower my expenses slash shopping habit. So, I did both. I consolidated my debt, closing all of my credit card accounts.

• 1:36:45Caleb Hammer?

  I found a way to live rent-free for four months to save money, worked fourteen-hour shifts serving tables at two different restaurants, and stopped spending on meaningless things. The only active debt I have is my car, and I'm on track to have it paid off the first of the year. I was naive to think if I never made a change, I would eventually find my way out. That would have taken more years than I have. Now I stand a chance and plan to be out of debt by the end of the coming year, if not sooner, completely. So, thank you so much for all your help. I might not have listened at the time, but I sure hear you now. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash

• 1:37:29Caleb Hammer?

  right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account. Starbucks is bull and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamersubs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:38:11Speaker 39

  The number one ranked energy drink is Gamersubs. Literally, the cherry flavor is insane.

• 1:38:18Caleb Hammer?

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

• 1:38:28Speaker 40

  Hi, my name is Rosa.

• 1:38:30Caleb Hammer?

  Cutting that off, this is, you guys have broken records. We have just, I need to get into this episode like legitimately right now, because this is the biggest stack of paperwork I've ever seen in my life. Listen to this sound. This is insane. So we got Sam, we got Rosa, 27, 26, San Antonio, that's wonderful, but I need to start this thing because we're gonna be sitting here for like four. How in the world do you guys have so much paperwork? Yeah, there's a credit limit of 3,700. So fuck you.

• 1:39:04Speaker 40

  Yeah. That one was for the house. Like, when the house payment came out, like it was-

• 1:39:11Caleb Hammer?

  Use a credit card essentially for the house payment.

• 1:39:13Speaker 40

  Basically, yeah.

• 1:39:14Caleb Hammer?

  Uh, when can we not afford a mortgage when we're using a credit card to pay for it? Or also maybe we don't spend half of our income on literal bull.

• 1:39:23Speaker 40

  Yeah.

• 1:39:23Caleb Hammer?

  So why, why was bull more important than a mortgage, guys? Why was it?

• 1:39:28Speaker 40

  I think just the spending got out of control.

• 1:39:37Caleb Hammer?

  Maybe I just need to give up all of my morals and just be in the business of giving people like 50% loans because apparently there's people there like you if I just ask you if you want it you'll take it because you'll take out any any debt that is presented.

• 1:39:58Speaker 40

  What?

• 1:39:59Caleb Hammer?

  Open derogatory.

• 1:40:00Speaker 40

  Oh, oh, no, no, no.

• 1:40:01Caleb Hammer?

  T-Mobile.

• 1:40:01Speaker 40

  No, wait.

• 1:40:02Caleb Hammer?

  T-Mobile and collections?

• 1:40:03Speaker 40

  Wait, pause, pause. So, so that one was, that one was four years ago.

• 1:40:08Caleb Hammer?

  Okay.

• 1:40:09Speaker 40

  But they keep like putting it on my credit.

• 1:40:12Caleb Hammer?

  Yeah, no, it was four years ago.

• 1:40:14Speaker 40

  But I don't want to pay that one.

• 1:40:16Caleb Hammer?

  Why?

• 1:40:16Speaker 40

  It was, it was like some, it was like some family stuff and I know they fall off after seven years.

• 1:40:22Caleb Hammer?

  Guess what? Guess what? Guess what? You still owe it, okay?

• 1:40:25Speaker 40

  Yeah.

• 1:40:26Caleb Hammer?

  Whether or not it's family stuff.

• 1:40:27Speaker 40

  So I, I have tried to call to see if they'll lower it and they gave me half off. But I just don't know if it makes sense to pay it off if it's going to fall off in three years. So I did want to ask you about that one.

• 1:40:39Caleb Hammer?

  It's not my top concern out of all these things. It's not.

• 1:40:46Caleb Hammer?

  Debt when filmed, $105,841. Current debt amount, $21,158. Months since filming financial audit? 14. Since being on the show, life has been wild in the best way. Our income literally doubled. We went from 6,000 hours a month to 12,000 hours a month and we're on track to hit around 17,000 hours monthly next year. Our debt payment dropped from, well, actually, I'm reading it right here, but I think instead of reading it, we should actually see where they stand in a video format. Let's watch that.

• 1:41:19Caleb Hammer?

  All right, well, welcome back. You guys have done this. So, you know, a few times now. Everyone knows you. Everyone's cheering for you. You guys were in the original fat stack week and I popped into your live stream a couple of weeks ago. You were live on TikTok. You were talking about your debt journey and everything. And earlier that day, earlier that week, Lindsay. Uh, you know, she kinda whispered to me a little like, uh, you know, a good follow up is coming soon. Something exciting. And I was like, okay. So I popped in your TikTok and I was like, I heard some good news is coming. So I'm excited to see what we do, uh, what we're doing. Okay. I'm excited to see what we're doing. I don't even need to do a full recap.

• 1:42:02Caleb Hammer?

  You know, we did that in the intro and everything. The thing is you guys came in with one of the worst overall numbers financial situation we have seen. Cause it was beyond the original fast stack week. We've done two fast stack weeks, I think. And it was just, it took us forever to get through that document. You guys were ruined. Where are we today?

• 1:42:23Speaker 41

  I would say we're just about done with that journey.

• 1:42:24Caleb Hammer?

  Just about done.

• 1:42:25Speaker 41

  It's about done. I feel like we did all necessary steps. We've been more disciplined. We've been following the guidelines, watching all the, um, our bad habits, cutting out the gluttony. Things of those nature. No more, um, birthday months, things of that nature.

• 1:42:41Caleb Hammer?

  Birthday months. Kill me now. I haven't even heard that term in a second.

• 1:42:45Speaker 41

  I feel like we're right there. I feel like it's not gonna be too much sooner. I mean, and then also feel like the last thing we just need is just a little bit of advice on a couple of things here and there. Just on tips and tricks about maybe kind of moving up in the world, seeing where we should invest and charity, charity, things of those nature.

• 1:43:01Caleb Hammer?

  We're almost to that conversation. That's exciting.

• 1:43:04Speaker 41

  Freedom, yes.

• 1:43:04Caleb Hammer?

  That's, that's exciting. Yeah. Freedom. What has it been? Been, uh, a year, year and a half?

• 1:43:10Speaker 40

  No, since the initial, a year.

• 1:43:13Caleb Hammer?

  A year. Just a year. Wow. In a year. And you say we're almost there. What's left? What, what do we have to get to, to get over that hump? To completing this part of the story. This is the part.

• 1:43:23Speaker 41

  I think the last thing would just be that time share.

• 1:43:24Speaker 40

  Yeah.

• 1:43:25Caleb Hammer?

  Yeah.

• 1:43:25Speaker 41

  That was, that was the hefty one.

• 1:43:26Caleb Hammer?

  But even still, we had dozens of separate accounts and documents and we're blasting through those and only one left. That's insane. After a year, that's insane.

• 1:43:37Speaker 40

  Yeah, just about. We have a couple more, but I think we're. Onto different things. So I feel like the goal was to be credit card debt free, but then the more we're learning about finances, it's like I hear when you say, why still have student loans? And I think people would want to just completely kill all the debt that they could, their mortgage, their car, but then I realized that you could put your money elsewhere.

• 1:44:02Caleb Hammer?

  Yeah.

• 1:44:02Speaker 40

  So I was hearing that and I was like, well, why does he still have student loans? But then that's when you talk about the interest rates and being able to put your money in investing and other stuff. So now I'm like, well, is the goal to pay off everything that we have? Or is the goal to put our money elsewhere to set us up for success? So I think that's where we're at right now.

• 1:44:23Caleb Hammer?

  Okay, okay, very cool. Now, which one in here is the timeshare? Cause I want to make sure I don't lose that. Because we are going to blast through this because really these are, these are just all paid off accounts. It's like, what's even the point? Like, okay, great. We have a paid off synchrony. Woo! Yeah. Okay. So synchrony is paid off. That's great. City, zero dollars. Oh no. Okay. Zero dollars. And okay. Well, city custom cash does have a balance.

• 1:44:47Speaker 40

  That one's paid.

• 1:44:48Caleb Hammer?

  Okay. City custom cash is paid. So I guess no balance. American Express paid. No balance. No need for this. Get out of here. I love that. Look at that. Just a year. American gold. American gold paid off every month. So it doesn't matter because like I said, you can transition to a credit card person. And yeah, guys, it sounds like you did. I see zero dollars on Apple card. Don't need to see this. Remember when it took us like two hours to get through this originally?

• 1:45:16Speaker 40

  Yeah.

• 1:45:16Caleb Hammer?

  Well, not this time. And there's, you know, there's a Sephora and papers playing a vacation club. And that all of a sudden is not a bad thing.

• 1:45:24Speaker 40

  Yes.

• 1:45:24Caleb Hammer?

  When our finances are good. I want, I give people more fun money to spend than almost any other financial program I can think of. But only when you're out of the risky position of bad debt, right? Chase auto. Okay. So we kept the car, but it's at a 5.17.

• 1:45:37Speaker 40

  Yes.

• 1:45:38Caleb Hammer?

  So I'm okay with that. Yeah. And so I'm okay with that. It is a balance of, yeah, I mean, it's our under 3,000. So I would minimum until it's paid off. This looks like is, does this still have a balance? Amazon Chase?

• 1:45:50Speaker 40

  No.

• 1:45:50Caleb Hammer?

  Gone dead. Perfect. Love it. Um, and this was, yeah. Okay. Well, here it is. Look, here's her written down debt summary. Zero across the board. I'll set that aside as we keep going through here, but okay, discover zero.

• 1:46:06Speaker 40

  That one.

• 1:46:07Caleb Hammer?

  See that?

• 1:46:07Speaker 40

  Yeah, that one we paid off, but we actually did a balance transfer.

• 1:46:11Caleb Hammer?

  This one?

• 1:46:11Speaker 40

  For the timeshare. So the timeshare was at a 12.99%.

• 1:46:14Caleb Hammer?

  So now it's on the discover.

• 1:46:16Speaker 40

  And now it's at 0%.

• 1:46:17Caleb Hammer?

  Which is 0% until?

• 1:46:18Speaker 40

  Yes, uh, August.

• 1:46:19Caleb Hammer?

  Okay, August. Are you doing the minimum payment that is required in order to pay it off?

• 1:46:23Speaker 40

  We just started.

• 1:46:24Caleb Hammer?

  Okay, so you'll do the math to make sure it is paid off by August.

• 1:46:28Speaker 40

  Mm-hmm, with 0%.

• 1:46:29Caleb Hammer?

  Perfect. I'm okay with that. That is actually how balance transfers should work, that you've, you did that in a correct way. You're not taking a shortcut. You did a mathematical good approach, where you've put it on a card that is zero, and now you're making the minimum monthly payment required by you guys that you are setting to pay it off before 0% ends.

• 1:46:46Speaker 40

  Yes.

• 1:46:47Caleb Hammer?

  So I love that.

• 1:46:47Speaker 40

  Yes, and it was actually an open card that we paid off, so we just kept it open, and then they offered us the balance transfer, so we didn't have to open new credit cards or anything for that.

• 1:46:56Caleb Hammer?

  Mm-hmm. Now, this is Morgan Stanley. It is, uh, you know, 700 bucks in there, and I know we're starting that part of the journey next, and the mortgage, obviously, you know, incredible rate, everything's so good. In San Antonio, I always forget how cheap it is until someone comes on with a mortgage from San Antonio. I'm like, how the f**k is that even possible?

• 1:47:12Speaker 40

  Yeah.

• 1:47:13Caleb Hammer?

  Wonder what it is. Yeah. Um, I am seeing a balance here?

• 1:47:17Speaker 40

  Yes. It's under 4,000, but it's at 0% forever.

• 1:47:21Caleb Hammer?

  Forever?

• 1:47:22Speaker 40

  Forever.

• 1:47:22Caleb Hammer?

  Now, obviously, just having a balance that is owed, even the low car, even, well, less on the student loans, but, okay, a low car, 0% here. It is the risk, because it is money you have to pay back if you become jobless, right?

• 1:47:35Speaker 40

  Mm-hmm.

• 1:47:36Caleb Hammer?

  I understand that it is 0%, and we want to catch up in retirement. I do get that, but what's your thoughts, philosophy around this balance on the 0%?

• 1:47:43Speaker 40

  I think we're stuck, because we have two cards that have 0% forever, even if we pay the minimum payment.

• 1:47:50Caleb Hammer?

  Forever?

• 1:47:50Speaker 40

  Yes, forever.

• 1:47:50Caleb Hammer?

  But not that other one that we saw?

• 1:47:52Speaker 40

  Yeah, so even if we pay just the minimum payments, which is about 200 for the both of them.

• 1:47:58Caleb Hammer?

  Yeah.

• 1:47:58Speaker 40

  We're gonna pay it off within the time that they gave us.

• 1:48:01Caleb Hammer?

  Yeah, I mean, this one's four years.

• 1:48:03Speaker 40

  Right. So should we?

• 1:48:05Caleb Hammer?

  Is this the other one?

• 1:48:06Speaker 40

  Yes.

• 1:48:07Caleb Hammer?

  Okay.

• 1:48:07Speaker 40

  And that's 0% forever.

• 1:48:08Caleb Hammer?

  Well, I'm setting this aside. Let's get the full financial picture first. Ally checking account. I don't like that we ended with 599. This is a little low. I want to see a minimum of 1,000 in there, right?

• 1:48:18Speaker 40

  We have it in our savings. Ally has.

• 1:48:21Caleb Hammer?

  But checking account, I would at least have 1,000.

• 1:48:23Speaker 40

  Okay.

• 1:48:25Caleb Hammer?

  Yeah, I definitely agree. Everything beyond that, so putting that to savings. There is some eating out, but again, that's not necessarily a bad thing. And look what you guys have accomplished in a year. I'm definitely not gonna cry and complain, right? So many papers on the floor. I know, so many papers that you paid off. And keeping the ones that are alive on the table. Yes.

• 1:48:44Caleb Hammer?

  Cash out, cafe.

• 1:48:47Caleb Hammer?

  Yeah, I mean, definitely some spending, but it's actually not too crazy. Lots of transactions and transfers mostly, but going in and getting some bullshit and stuff. Like, what was your guys' original Hammer Financial Score the first time we filmed? You remember? One, maybe? Yeah, it's crazy. One, it's good. So excited to see where you guys are today. And remember, get your Hammer Financial Score for free at CalebHammer.com. Take it, take the assessment, only takes a few minutes, see where you stand in the world of finances, where you need to improve, what you need to do to improve, or where you're already doing pretty well. And make sure you download the Dollar Wise Budget app if you wanna turn yourself into a success story, like these two and tens of thousands of other subscribers to that app.

• 1:49:26Speaker 41

  Thank you.

• 1:49:26Caleb Hammer?

  Download it, dollarwise.app, take the free trial to see if you like it. And if you do, sign up for the any version because I will personally sign my budget friendly cookbook and mail it directly to you. And that is only lasting for another couple more months and then it's gone forever. I do like this, the savings of seven? Yes. Seven, four? That's great. That's great. Now, see, and this is why I want minimum a thousand in the checking, because you had an overdraft transfer from here. Yes.

• 1:49:52Speaker 41

  Yes.

• 1:49:53Caleb Hammer?

  So that...

• 1:49:54Speaker 41

  Because it pulls from the savings.

• 1:49:55Caleb Hammer?

  Exactly, which, but we shouldn't be overdrafting.

• 1:49:58Speaker 41

  No.

• 1:49:59Caleb Hammer?

  Because that is just a lack of managing the number that is in our checking account. You guys are going, you guys have incredibly gone in the right direction, so I'm not gonna die about this. But I want this to be a learning example now, why we at least have a thousand in checking, okay?

• 1:50:12Speaker 41

  Yes.

• 1:50:14Caleb Hammer?

  That makes sense. Because the savings is there right now. If an emergency happens, savings goes away, then what happens if we only have a few hundred in checking account, right? So we're just setting ourselves, it's the layers of protection. The layers of protection. And with what you guys do, with what you guys make... Checking account, we should be able to have a thousand in there.

• 1:50:33Speaker 41

  Gotcha.

• 1:50:33Caleb Hammer?

  And you started that month, actually, with two. So I know you can do it. Thirteen in this fidelity, that's good.

• 1:50:39Speaker 40

  Yeah, I think the other, because we used to have eleven in our savings, but I put one month in investing and we just invest in the S and P.

• 1:50:46Caleb Hammer?

  Okay.

• 1:50:47Speaker 40

  So it's seven.

• 1:50:48Caleb Hammer?

  For a fully funded emergency fund, I don't know if I agree with that.

• 1:50:50Speaker 40

  Well, I thought we had one or we don't.

• 1:50:52Caleb Hammer?

  Did you, is that, seven thousand's a full?

• 1:50:54Speaker 40

  It's about two months. Yeah, it's about.

• 1:50:56Caleb Hammer?

  That's not a fully funded emergency fund?

• 1:50:57Speaker 40

  How much do we need?

• 1:50:58Caleb Hammer?

  Six months.

• 1:50:58Speaker 40

  Oh, no, we don't have six months.

• 1:51:00Caleb Hammer?

  It's six months or ten thousand dollars, whichever one is higher.

• 1:51:03Speaker 40

  Oh, we have ten. We have more than ten.

• 1:51:04Caleb Hammer?

  In savings? I saw seven, seven five.

• 1:51:06Speaker 40

  The, the paper that you just dropped, that was the Ally Invest. So that's all on the Ally together.

• 1:51:12Caleb Hammer?

  But it's not savings, it's investing?

• 1:51:14Speaker 40

  But it's on Ally, like it's just.

• 1:51:16Caleb Hammer?

  Investing, it's not saving.

• 1:51:17Speaker 40

  Yeah, but I guess I put it as savings.

• 1:51:20Caleb Hammer?

  Like that was. No, because it could, like, we can have, forty percent could get cut in a few weeks. Like, emergency fund is just sitting there. It doesn't even need to make money. We like it to make money. You know, I put mine in my.

• 1:51:31Speaker 41

  Basically.

• 1:51:31Caleb Hammer?

  Yeah, I put mine in my time checking account and everything and it's a gains, what, like four percent interest and everything? Yeah, we're, no, no, no, no, no, no.

• 1:51:38Speaker 40

  Okay.

• 1:51:38Caleb Hammer?

  So what does it cost to keep you surviving for a month?

• 1:51:41Speaker 40

  About four.

• 1:51:42Caleb Hammer?

  Okay.

• 1:51:42Speaker 40

  Yeah.

• 1:51:43Caleb Hammer?

  So, yeah, you need twenty-four thousand hours. And it's savings account that is just never touched, aside. Because that gives you the ability to do anything. If you can survive for six months, if anything happens, you can do anything. You can invest as much as you want, you can spend as much as you want, you can do whatever. It gives you that freedom and flexibility.

• 1:52:02Speaker 41

  That was one of our questions as well, that we were going to ask you as well about that.

• 1:52:04Caleb Hammer?

  Oh, perfect.

• 1:52:05Speaker 41

  About what it's gonna be, was it gonna be either that six month timeframe? Or was it going to be like in terms of two months, three months? What you thought it would be in terms of that? Because we're gonna have, we're gonna go back a little bit back and forth about what we think would be efficient enough for our lifestyle, or if we want to live a. Uh, upper lifestyle.

• 1:52:23Caleb Hammer?

  Well, you'll be able to get there very soon. You guys are almost there. Here's

• 1:52:27Speaker 00

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

• 1:52:42Caleb Hammer?

  The usual steps. Not everything is one size fits all, but here's typical. One month emergency fund or your highest deductible, whatever that is in a savings account. Step number one.

• 1:52:50Speaker 41

  Gotcha.

• 1:52:51Caleb Hammer?

  Pay off all high interest or bad debt. That is non mortgage debt. Sometimes it can be, but non mortgage debt of over, call it 5%, 6%. It's certainly over five, unless it's federal student loans as well. Even at a 7% federal student loan, it is still protected. There's protection provisions with federal student loans. So that's not necessarily counted. We still want to tackle high interest ones, but they're not the priority because they have extra protections. But either way, in general, bad debt. Then it's a full six month emergency fund. And then it's living our 50, 30, 20, which you guys can easily do the 50%, 30%, 20% investing.

• 1:53:31Speaker 41

  Yes.

• 1:53:31Caleb Hammer?

  You guys are trying to live here first without conquering that six month emergency fund? Cause as far as I know, the bad debt is gone. The car, it's fine. It's just over five and the balance is small enough. I'm okay with it. And then the 0% loans, we're taking care of them before they're gone. So I'm okay with letting them sit. And obviously the mortgage is a good loan by like objectively, like the rate and everything. It's great and the balance is fine. The minimum payment is well within the budget. Uh, so you guys are trying to skip the six month emergency fund and immediately move to the 50, 30, 20. Now having a fully funded emergency fund is an emergency. Cause what can happen if a real emergency hits? And that's why it's an emergency. It's unpredictable.

• 1:54:09Speaker 41

  So don't prepare for it.

• 1:54:10Caleb Hammer?

  Don't just think it's not gonna, yeah. If a real emergency hits and you don't have a fully funded emergency fund, this goes from you guys almost made it over to the hill to falling all the way back down. And then you have to climb for another year.

• 1:54:22Speaker 41

  Basically all over again for nothing.

• 1:54:23Caleb Hammer?

  Yeah, for nothing. Okay. Just because we decided we wanted to skip the step.

• 1:54:26Speaker 40

  So we're at three months right now, but we should be at six months.

• 1:54:29Caleb Hammer?

  Double it, double it. And then we can really just live that life you guys are ready to live. But you guys are so close. Don't give up a whole year for just a few more months of work. Right?

• 1:54:40Speaker 41

  And then everything after the six months is just gains.

• 1:54:42Caleb Hammer?

  Just gains, gains and living. Cause actually with what I see the spending in here on fun, after that six month emergency fund is good. As long as you guys are contributing 20% to investing, I want you guys to basically triple, quadruple the spending I see in here on fun.

• 1:54:58Speaker 40

  Yeah.

• 1:54:59Caleb Hammer?

  At a minimum, at a minimum, I want you guys to go on trips. I want you guys to live it up within that 30%. But your 30% stretches.

• 1:55:08Speaker 41

  When you get the freedom.

• 1:55:09Caleb Hammer?

  What's the household income again?

• 1:55:11Speaker 40

  We're like 12,000 right now. Yeah.

• 1:55:14Caleb Hammer?

  I mean, 30% is incredible. 12,000, what the are we doing, right? I mean, blowing $3,600 a month. Okay, you know what you can do? You can honestly.

• 1:55:23Speaker 41

  We've been coming in close to that.

• 1:55:24Speaker 40

  Yeah.

• 1:55:25Speaker 41

  We're like under a thousand.

• 1:55:26Caleb Hammer?

  Yeah, exactly. So after the six month emergency fund, this is just for an example. What's, where have you guys gone before? Where's your best, like craziest trip you've ever done?

• 1:55:35Speaker 40

  Probably Vegas, maybe?

• 1:55:36Speaker 41

  Vegas?

• 1:55:36Caleb Hammer?

  Okay, you? Same? Okay, what you can do is save one month of that fun. Actually save, uh, save 75% of that fun money and only spend the fun that you're kind of doing right now. Save 2,000 and then the next month, combine that 2,000 you saved from last month's fun spend. And then that entire month of fun spend. Go on a three week European vacation.

• 1:56:00Speaker 41

  It's like a rollover.

• 1:56:01Caleb Hammer?

  5,000 bucks, there you go. Boom, European, live it up, two weeks.

• 1:56:05Speaker 41

  That's kind of what I've been telling her as well with that whole process of like not prioritizing like the car and the mortgage stuff. That's not really debt.

• 1:56:11Caleb Hammer?

  I mean, it is, and it is technically risk, but.

• 1:56:14Speaker 41

  The cars come first.

• 1:56:15Caleb Hammer?

  30, 20 with them.

• 1:56:15Speaker 40

  Yeah.

• 1:56:16Caleb Hammer?

  Treat yourself to a European trip. You totally can. Asia, wherever you want to go. Save up most of one month's fun money and then use an entire next month's of fun money. Combine them, do something crazy, celebrate the end of this, but you're not there yet. Three more months of saving expenses must be saved. And then you guys can do this, minimum. What's the total retirement number? Because there's a lot of retirement accounts across the board.

• 1:56:41Speaker 40

  Probably 25,000 right now.

• 1:56:43Caleb Hammer?

  So that's that 20% that you guys are going to be contributing? Mm-hmm. That's fine. That will get you to an incredible retirement by the time you guys hit retirement age.

• 1:56:52Speaker 40

  Yeah.

• 1:56:52Caleb Hammer?

  Okay? And I don't think your needs are going to be 50%.

• 1:56:55Speaker 40

  No.

• 1:56:55Caleb Hammer?

  No. So really, honestly, what you're able to do? What do you think your needs will be? Like groceries and, uh, school things and whatever. You know, what do you think needs are going to be percentage-wise? Just round. Yeah, rounded.

• 1:57:09Speaker 40

  About 30%.

• 1:57:10Caleb Hammer?

  Okay, you know what that means? Because you're going to contribute 20% to retirement? Because I don't need you to contribute more than that. Now, you can contribute an extra. Let's say you contribute 25% to retirement, just because you want to play catch-up with it. Okay, that's great, and live a higher retirement. That's wonderful. So 30% to 25%?

• 1:57:27Caleb Hammer?

  Guys, you can spend 45% of your income on [bleep] you fun. Whatever. And around, living it up, vacations, spoiling people, gifting charities. You wanted to talk charitable? Mm-hmm. There you go. After you got that six-month emergency fund saved up? If you wanted to donate your entire 45% for a month to something? You would be able to. You totally could, thousands of dollars. But what's critical right now is that extra three months. And I want to make sure we do not skip that. Because that's where this was headed, is you guys were about to skip that. And I want to make sure this last year wasn't done in vain. Because it very well could be if you are not fully prepared for an emergency.

• 1:58:06Speaker 40

  So would you do the three months and wait on the credit cards? Or do you want us to pay the credit cards first?

• 1:58:13Caleb Hammer?

  The zero percenters?

• 1:58:14Speaker 40

  Yes.

• 1:58:15Caleb Hammer?

  The 0%? For these ones that are sitting here, 0% forever minimum to payments until they're paid off. Completely. In general. Uh, because honestly, like, okay. Because you'll have a six-month emergency fund where you can tackle them if an emergency pops up. And then the other one that's a 0% until August? Mm-hmm. You need to do whatever minimum is required to pay it.

• 1:58:32Speaker 40

  That's like 600.

• 1:58:32Caleb Hammer?

  To pay it off before then. So that's what you guys are doing. And then minimum to payment on car until it's paid off, minimum on mortgage. And so all that.

• 1:58:39Speaker 40

  Because we're putting like 5,000 at least a month towards our credit card day.

• 1:58:44Caleb Hammer?

  No, no need to anymore.

• 1:58:45Speaker 40

  Okay.

• 1:58:46Caleb Hammer?

  No, get that fully funded emergency fund. Then if before you guys want to live it up, you want to tackle the credit cards, just tackle the credit cards. You can. Mm-hmm. But I don't need you to. And listen, if you'll be at 30% living? And 20% retirement, maybe take an extra 5, 10% and throw them towards the cards to pay them off early. Cause you still get to live 35 minimum percent towards fun, which is incredible. It's better than almost anyone in the United States actually gets to, other than those who are just going into debt. So you can pay them off quicker, but you don't need to like speed run them. You just contribute like quadruple what's required.

• 1:59:22Speaker 41

  Cause you have the security.

• 1:59:23Speaker 40

  It feels kind of similar to the car right now because I see the balance and I pay it monthly. But I can see that we could pay it off if we wanted to, but it doesn't bother me.

• 1:59:32Caleb Hammer?

  Exactly. Listen, you guys have been in stress mode correctly because you guys were dying.

• 1:59:36Speaker 41

  Yes.

• 1:59:36Caleb Hammer?

  On the one more form, you were headed towards the place of, you were in the place of. That stress is not meant to continue forever. You're about to enter the live mode. Okay. It's not meant to permanently put you in the place of freaking about about your numbers. You sit down, you budget monthly, but you get to tell your money where to go. You don't need to freak out about the debt anymore. Not anymore. The emergency fund, yes, but only for a few more months and then you don't. Cause that's set in a savings account that honestly I'd put outside of LA anyway. I don't even want it to be connected to your checking account.

• 2:00:09Speaker 40

  Yeah, it does connect.

• 2:00:10Caleb Hammer?

  Maybe keep a thousand in LA, just, just in case you accidentally do the overdraft thing.

• 2:00:14Speaker 41

  Yes.

• 2:00:14Caleb Hammer?

  But we shouldn't anyway. You should have enough in your checking account. Why the tears?

• 2:00:19Speaker 40

  I don't know. I think I'm just like, I think we've been trying to do this for so long.

• 2:00:25Caleb Hammer?

  Yeah, you have.

• 2:00:26Speaker 40

  Thank you.

• 2:00:27Caleb Hammer?

  You're in the place of and you have put in the absolute grind and work and sacrifice.

• 2:00:34Speaker 41

  Maybe that's what it is.

• 2:00:36Caleb Hammer?

  Yeah.

• 2:00:36Speaker 41

  The relief.

• 2:00:38Caleb Hammer?

  And I'm sure you guys have seen it together and have had these conversations together. But you guys are on the part of, well, honestly, so much to celebrate, to be clear. And you're about to be to the point where it's full celebration only, right? So. Take the moment, be happy. You guys have gone through the financial audit journey that this is here for. You know, the show's goony, the show's fun, the show's roasty, it's a good time. But at the end of the day, this is where we're meant to get for more people. Because not everyone has a strong income as you guys, you guys are in a very blessed position.

• 2:01:14Speaker 40

  Well, now we do.

• 2:01:15Caleb Hammer?

  We can acknowledge it. And that also doesn't mean, that doesn't take anything away from what you guys. I don't want to be very clear, but for other people on financial audits, it's going to take them four or five years, right? So you guys were able to do this in one, and that is incredible.

• 2:01:29Speaker 40

  Yeah, we've doubled our, our income monthly because we were at six and he's gotten three raises since just alone. And then we picked up side hustles and stuff, so that.

• 2:01:39Caleb Hammer?

  Which shows two incredible things we're celebrating. One, yes, good job on the work and they're seeing your value. That's incredible. And two, it also shows that you guys have learned the skills from the show. Because a lot of the time, what would you have done before you came on the show? If we're being honest, more money would have come in, even more money would have been spent.

• 2:01:56Speaker 41

  Yes, you'd have doubled it then.

• 2:01:57Caleb Hammer?

  So that's incredible, showing that you guys have actually learned something, executed what needed to be executed. And you're living it up. You're living it up. Few more months, guys, few more months. Then pop those champagne bottles, take her to a thousand dollar dinner. I'm not even kidding.

• 2:02:16Speaker 41

  She wants that. See, that's what she would like.

• 2:02:18Caleb Hammer?

  Yeah, take her to a thousand hour, full bougie night, full bougie night. Go crazy. Okay. Or if he likes a strip club, take him to the strip club, thousand dollars in ones, throw in them, okay? Have fun. You're almost there.

• 2:02:33Speaker 41

  Almost.

• 2:02:34Caleb Hammer?

  You're almost there. Now, you told me before the show, I have your resume because you don't like your current job. Tell me about it.

• 2:02:40Speaker 40

  Yeah, they're, the way that they're running things, they're not hiring internally anymore. So I feel like I'm basically stuck as a seller one. And to even get to a seller two, they'd rather hire from other companies right now because they think that they shouldn't hire internally. But I'm also to where I don't know if I want to do sales or not.

• 2:03:00Caleb Hammer?

  Yeah.

• 2:03:01Speaker 40

  Because I was doing the, I am doing the taxes and the credit repair and the finance. Industry, so.

• 2:03:08Caleb Hammer?

  Well, your resume is definitely catered towards sales, especially with this last job. The last job, I do like that you've at least been there for over three years now, three and a half. That means you're able to translate that to another position. You know, if you were under like two years, it'd be like, I don't know what we're doing here. It also shows that you do stick places, so there's some qualities here. Unfortunately, if there was one concern, it's that the jobs before it were kind of retail. Right? So the two jobs before your current job is retail, I don't think it matters as much because you've been at your current job for three and a half years. However, what I might do though, is curate more to this resume to your current job.

• 2:03:46Speaker 40

  Okay.

• 2:03:46Caleb Hammer?

  And maybe take a couple bullets away from that middle job. Well, actually, no, because.

• 2:03:51Speaker 40

  The middle wasn't retail. The last one was, though.

• 2:03:53Caleb Hammer?

  Yeah, okay, yeah, you're right, because I mean, it reads like retail, but once you dive into it, you realize it is more of a sales position going around. Okay. Let me look at these skills.

• 2:04:03Speaker 40

  Because I know sales makes money, but I don't.

• 2:04:06Caleb Hammer?

  Well, this is hyper geared toward sales, so.

• 2:04:08Speaker 40

  I just don't know if I should stick with sales.

• 2:04:11Caleb Hammer?

  Well.

• 2:04:11Speaker 40

  Or if I shouldn't.

• 2:04:12Caleb Hammer?

  And that's what, getting rid of the, all the debt and having a fully funded emergency fund gives you a lot of flexibility to take a lower income job as you're getting into a new career field.

• 2:04:20Speaker 41

  Explore.

• 2:04:20Caleb Hammer?

  To try to go up the career ladder there. Because.

• 2:04:23Speaker 41

  Smart.

• 2:04:24Caleb Hammer?

  If we're being honest, if you change industries, you might take a pay cut for a little bit. But that's okay, if you guys are debt free outside of the mortgage. You know, before, okay, so actually, this is what, this is what I would personally do, right? Okay, if we fully want to get out and rid of sales, then this resume is like, okay, what are we, you know, this.

• 2:04:39Speaker 40

  Yeah.

• 2:04:40Caleb Hammer?

  This is geared toward sales, you're gonna have to gear whatever next resume towards taking skills you had from these jobs to getting in that new field, maybe we're getting a certification on something, of course. Um, but grind to get the fully funded emergency fund and then pay off all three cards and the car. And then.

• 2:04:59Speaker 41

  Move over.

• 2:04:59Caleb Hammer?

  And then, yeah, aim to get this other job. So before we take a potential pay cut or take a potential risk.

• 2:05:06Speaker 41

  Knock that off first.

• 2:05:07Caleb Hammer?

  Yeah, kill all the debts outside of the mortgage and the fully funded emergency fund. So that means a little more time and a little more, uh, lack of full celebration under the gate. Like, yes, obviously mentally celebrate, take some of the stress off, but you're still kind of a little bit in attack mode, because it depends. What's more important? Being unable to start living our wants more, or are you switching career? Where do you weigh? There is no wrong answer. It is up to you at this point. What, what's, takes priority?

• 2:05:35Caleb Hammer?

  Do you know? Maybe you don't know.

• 2:05:37Speaker 40

  I don't.

• 2:05:38Caleb Hammer?

  Okay, well, have conversations with each other, conversations with yourself, maybe even take some career assessments online. After you can answer that question, then determine what you're doing. You know, you don't have to go full chaos, you know, just shooting from the hip endlessly to pay all this off if we want to start living fun after emergency fun. Which you can, but if we want to switch careers, then we need to tackle the risk.

• 2:06:01Speaker 40

  So, so the only thing too is that we're not going to do it anytime soon, but we do like a house that's three times the amount of the house that we have right now.

• 2:06:12Caleb Hammer?

  Well, that's okay as well. I would, again.

• 2:06:14Speaker 40

  Because monthly, if we were where we are at monthly, we would be able to afford it, but I know we shouldn't.

• 2:06:19Caleb Hammer?

  Well, listen, you need to answer, again, house or job? What's more important to me?

• 2:06:25Speaker 40

  I don't want to be at my job anymore.

• 2:06:26Caleb Hammer?

  Well, there we go. So that wins. So, the house thing works. Well, let's get into the new career field, which requires us to get rid of the risk. So, risk done, new career field, and then we shop new house based on whatever our finances, our household income looks like with the new job.

• 2:06:43Speaker 40

  Cause you'd want it to be the 50, 30, 20 with the new house too?

• 2:06:46Caleb Hammer?

  Certainly, yeah. Well, yeah, because it shouldn't be 50% mortgage, right? That needs is needs. It's everything. It's food on the table, it's utilities, it's insurances, it's, you know, school activities, it's whatever, you know? That is needs.

• 2:06:59Speaker 40

  Mm-hmm.

• 2:07:00Caleb Hammer?

  So. That makes sense, yeah. Like day to day. So, fully funded emergency fund, tackle these debts outside of the mortgage. And then career change. Career change, and then shopping for a house based on that. And then see where you're at after all that's done.

• 2:07:14Speaker 40

  Okay.

• 2:07:15Caleb Hammer?

  Punch those numbers.

• 2:07:16Speaker 40

  Yeah.

• 2:07:16Caleb Hammer?

  But you guys are in a much better place, and you guys are starting to conquer the fun things now. The fun things, having the ability to change a career if we don't like it. Yes. Going on a European trip if we want to, okay?

• 2:07:28Speaker 40

  Yep.

• 2:07:29Caleb Hammer?

  Putting on our face in a big pair of tits at the strip club. Got it. With lots of ones. You both can do it at the same time, share the same pair.

• 2:07:36Speaker 40

  Yeah.

• 2:07:37Caleb Hammer?

  That makes sense. This is the good part, guys, and you guys have done incredible. Those are our biggest questions that we had.

• 2:07:41Speaker 40

  Yeah.

• 2:07:41Caleb Hammer?

  You guys have done incredible. Any other questions? Now that we have the full picture. Those are the main ones for us. Did I ask notice?

• 2:07:48Speaker 40

  Yes. It's right here.

• 2:07:50Caleb Hammer?

  Mm hmm.

• 2:07:51Speaker 40

  So the funeral plot that wasn't in our original debt. They said that if we pay it by December.

• 2:07:59Caleb Hammer?

  How much?

• 2:07:59Speaker 40

  Well, it's 4,000. So then we'll save 2,000.

• 2:08:02Caleb Hammer?

  You want to?

• 2:08:03Speaker 40

  I think we should because it's 2,000, right?

• 2:08:05Caleb Hammer?

  You can do it.

• 2:08:06Speaker 40

  So if we if we pay that off first and then.

• 2:08:10Caleb Hammer?

  That delays the emergency fund thing just slightly, but it's okay.

• 2:08:14Speaker 41

  No, I'm okay too.

• 2:08:14Caleb Hammer?

  Just do it.

• 2:08:15Speaker 40

  Yeah. It'll save 155 a month too, though.

• 2:08:17Caleb Hammer?

  You're just putting that in the steps and I'm okay with it.

• 2:08:19Speaker 40

  Okay, so then funeral plot, credit cards, or no, the three months of an emergency fund. So that's about 12,000.

• 2:08:27Caleb Hammer?

  Yeah.

• 2:08:28Speaker 40

  Well, we have three right now.

• 2:08:29Caleb Hammer?

  Yeah, so stack into the six.

• 2:08:30Speaker 40

  And then we do car minimums, credit card minimums, or we could pay them off.

• 2:08:34Caleb Hammer?

  We'll pay them off if you're doing the career change. You can do minimums if you're not.

• 2:08:38Speaker 40

  Okay.

• 2:08:38Caleb Hammer?

  Yeah.

• 2:08:38Speaker 41

  So if you stay longer, dug it out.

• 2:08:41Caleb Hammer?

  Yeah.

• 2:08:41Speaker 41

  If you want to get rid of them because you're doing the career change.

• 2:08:43Speaker 40

  Yeah, I don't want to stay.

• 2:08:45Caleb Hammer?

  Well, there we go. Then we're killing our debt outside of the mortgage.

• 2:08:47Speaker 41

  You burn them out. You burn through them then.

• 2:08:48Speaker 40

  Okay.

• 2:08:49Caleb Hammer?

  Which you guys should be able to pretty relatively quickly, honestly.

• 2:08:52Speaker 40

  Yeah, we should.

• 2:08:53Caleb Hammer?

  All right, do we agree on these steps?

• 2:08:54Speaker 41

  Yes, I do. Thank you for your help.

• 2:08:56Caleb Hammer?

  Absolutely, guys. I am so proud of you guys. Audience, give them love in the comment. They deserve it. You guys have done incredible.

• 2:09:03Speaker 40

  Thank you.

• 2:09:03Caleb Hammer?

  Well done all around now.

• 2:09:04Speaker 41

  Thank you.

• 2:09:05Caleb Hammer?

  Very good. Actually, let's let's get your current score. Let's see where we stand. So we're one first time spending in the budget.

• 2:09:11Speaker 41

  We were five?

• 2:09:13Speaker 40

  Hmm, I don't remember.

• 2:09:14Caleb Hammer?

  You were definitely spending within your budget. We need that fully funded emergency fund. So a little bit of BS. Well, we don't have it. It's not the best, but it's okay with what you guys are doing. Giving you a seven out of 10 spending within the budget. Debt, the debt is not that horrendous anymore. We've gotten to a halfway decent debt spot of, I'd say about a five out of 10. Emergency fund, well, we're halfway there. Five out of 10 retirement. Well, you said it was 25 total?

• 2:09:38Speaker 40

  25. Yeah, and he has a two for one match in a couple of years.

• 2:09:43Caleb Hammer?

  That's good. Um, definitely behind there about two out of 10 though for age. In real estate, yeah, I mean, the house the house situation's great. Um.

• 2:09:58Caleb Hammer?

  Yeah, house situations.

• 2:10:02Caleb Hammer?

  And there's a mortgage technically that's risk, but eight out of 10, it's a good one. Let's see where we are today.

• 2:10:10Caleb Hammer?

  Yeah, we're rounding up even further. It's gonna be Hammer Financial's six out of 10. Once that emergency funds there, that immediately adds five. I mean, that's incredible. Um, cause that's kind of what's holding you back there. It's an emergency fund in retirement. And once those debts are gone outside of your mortgage, that score is gonna go up too, and you're spending the buy like this. It takes a few months to change before this goes from a six out of 10 to an eight out of 10.

• 2:10:32Speaker 40

  Yeah.

• 2:10:33Caleb Hammer?

  This is a couple, couple tweaks.

• 2:10:34Speaker 40

  Yeah, we'll get there.

• 2:10:35Caleb Hammer?

  Minor tweaks. Get yours at CalebHammer.com and give them some love in the comments, ladies and gentlemen.

• 2:10:44Caleb Hammer?

  Big round of applause for all the guests who gave their updates. And for all those who have paid off over $20,000 in just a year, it is awesome. It is incredible. You can come on in 2026. Listen, we already got video scheduled almost through the entire first month of 2026. Some of the craziest shit you've ever heard of. In fact, when I am filming this right now, the episode I filmed right before this was one of the most dramatic episodes I've ever filmed where I'm pretty sure I ended a relationship. Wasn't my fault. He had secret purchases. You'll see it, but stick around. It's a great show and I'm very thankful for your support. We couldn't do it without you, couldn't do without my team and couldn't do it without the guests who come on this show. See you in 2026. Who's your least favorite guest?

• 2:11:31Speaker 39

  Oh yeah, it was.

• 2:11:32Speaker 42

  My least favorite person that I've worked with ever.

• 2:11:35Speaker 39

  Least favorite of the year.

• 2:11:37Speaker 42

  Oh, I know who it is for you.

• 2:11:39Speaker 39

  Who is it?

• 2:11:39Caleb Hammer?

  Oh. That was a headache. She was so annoying.

• 2:11:43Speaker 42

  You were typing to me how much you fucking hated her during.

• 2:11:47Speaker 39

  Even when I see the TikToks till this day, they enrage me. Cause I had to sit here with them for the 40 minutes that they were here.

• 2:11:52Speaker 43

  Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.

• 2:12:10Speaker 44

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