The Worst Finances In Financial Audit History

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

• 0:00Caleb Hammer?

  In what world did you guys think you were ready to bring in a child into this world?

• 0:03Speaker 01

  Oh, our bills were paid.

• 0:05Caleb Hammer?

  No, you weren't paying them. Your mother was.

• 0:07Speaker 01

  But they were still being paid.

• 0:09Caleb Hammer?

  No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be parents?

• 0:15Speaker 01

  We were paying the house.

• 0:16Caleb Hammer?

  You weren't. Your mom was. Are you not able to understand this? What? Paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff. I don't see it. What are you talking about payoff? You're a dumbass. How can you tell me you're paying? Where's the payoff?

• 0:31Speaker 01

  It pays off. You pay. You pay. Look, okay. No, it literally does not show up. It does not show up.

• 0:40Caleb Hammer?

  You [bleep] child in there. Your mother's [bleep]. Good luck in there. You're [bleep].

• 0:47Caleb Hammer?

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• 1:16Speaker 02

  Hello, I'm Jessica. I'm 32 years old.

• 1:18Speaker 01

  Hi, I'm Angie and I'm 31 years old. We're from North Dallas.

• 1:21Speaker 02

  And this is Financial Audit.

• 1:25Caleb Hammer?

  Okay.

• 1:26Speaker 02

  Too stiff?

• 1:28Caleb Hammer?

  Oh, I don't know. Are you scared? Like, thanks for coming on.

• 1:33Speaker 01

  Oh, what?

• 1:35Caleb Hammer?

  Well, I don't know. You're excited about something. Jessica, what do you do for a living in North Dallas?

• 1:40Speaker 02

  Truck driver.

• 1:41Caleb Hammer?

  Wow.

• 1:42Speaker 02

  Yeah, semis.

• 1:44Caleb Hammer?

  You're not a, you're, you don't do conversations, do you?

• 1:47Speaker 02

  No.

• 1:49Caleb Hammer?

  Well, good that you came on a podcast.

• 1:51Speaker 02

  All I do is talk to her.

• 1:54Speaker 01

  I'm the one that talks.

• 1:55Speaker 02

  Oh, yeah, and she does all the talking for me.

• 1:57Caleb Hammer?

  Are you in the truck as well?

• 1:58Speaker 01

  Yep.

• 1:59Caleb Hammer?

  Okay, do you guys truck drive together?

• 2:01Speaker 01

  Yep.

• 2:02Caleb Hammer?

  Is this how this works? Okay, so how does this work? How does this look? Is it one paycheck, two paycheck? How's this work? You're getting paid for the route?

• 2:08Speaker 01

  Separate paychecks.

• 2:10Caleb Hammer?

  So you're not in the same truck?

• 2:11Speaker 02

  We are in the same truck.

• 2:13Caleb Hammer?

  Why is it separate paychecks then? Are you not just completing the same route?

• 2:15Speaker 01

  We're two people.

• 2:16Caleb Hammer?

  I know, but it's not paid per route? Okay. Listen, I mean, I'm not a trucker. I don't know. You tell me. Educate me. What do you make, Jessica?

• 2:24Speaker 02

  I make, um, I'm gonna say thirteen.

• 2:29Caleb Hammer?

  Oh, you're gonna say, how about like what you actually make, though?

• 2:32Speaker 02

  It varies, but the average is thirteen a week. Thirteen hundred a week.

• 2:38Caleb Hammer?

  Very good. Is that what hit your account, or is that what you make before?

• 2:41Speaker 02

  That's what hits my account.

• 2:42Caleb Hammer?

  Okay, thirteen hundred bucks a week. Okay, very good. Angie? She paid more.

• 2:49Speaker 01

  No, make the same.

• 2:50Caleb Hammer?

  You make, okay.

• 2:51Speaker 02

  We're in the same truck.

• 2:53Speaker 01

  We drive the same.

• 2:53Caleb Hammer?

  I did get that fact. That is true. Uh, but I wanted to make sure. So that means the household net income is one hundred thirty-five thousand dollars, two hundred, well, one hundred thirty-five thousand, two hundred dollars a year. That ain't bad net. And in suburbia Dallas, down north, you know, the north Dallas area is where it gets a bit more expensive and like the suburban life, but listen.

• 3:16Speaker 01

  I could've sworn we made more.

• 3:18Speaker 02

  We do make a little more, but.

• 3:19Caleb Hammer?

  Then why would you tell me that number? I would like to know how much you actually make. This is financial audit where I audit the finances of which I would need to know your income before we do anything. Would you like to try again and tell me what your income is? Should we do part two?

• 3:32Speaker 02

  It varies. So I put an average.

• 3:34Caleb Hammer?

  Okay, well, if that's, if that's average, you wouldn't make more.

• 3:40Speaker 01

  I beg to differ.

• 3:40Caleb Hammer?

  Over the course of a year. That's not average then.

• 3:42Speaker 01

  I beg to differ.

• 3:43Speaker 02

  She doesn't handle the money.

• 3:45Caleb Hammer?

  Okay, well, you don't handle the money. So how would you know?

• 3:47Speaker 01

  I would just swipe the card. Boom.

• 3:50Caleb Hammer?

  That's how you beg to differ? You swipe the card?

• 3:52Speaker 01

  Yeah, until it runs out. Cause I think I make more money.

• 4:00Caleb Hammer?

  You think you make more money? Do you make more money?

• 4:03Speaker 01

  We make more money.

• 4:04Caleb Hammer?

  Are we married?

• 4:05Speaker 02

  Yes.

• 4:06Speaker 01

  Yes.

• 4:06Caleb Hammer?

  Congratulations. How long?

• 4:07Speaker 01

  Hit a year.

• 4:08Speaker 02

  In March.

• 4:09Speaker 01

  In March.

• 4:10Caleb Hammer?

  Okay, how long were you dating before?

• 4:12Speaker 02

  Uh, twenty twenty, twenty twenty one. So, five years?

• 4:17Caleb Hammer?

  Okay, yes. Very good. Okay, well, that's actually kind of low and slow.

• 4:22Speaker 02

  Yeah.

• 4:23Caleb Hammer?

  For Les.

• 4:24Speaker 02

  This one.

• 4:24Caleb Hammer?

  Situation. Well, that's good. Well, welcome to being responsible, I think, right? Is that what you were trying to be? Were you trying to be responsible?

• 4:33Speaker 02

  Maybe.

• 4:34Caleb Hammer?

  Okay. Oh, you were her trucking instructor? Oh, you like groomed her a little?

• 4:40Speaker 02

  No, we were best friends for a year and then.

• 4:45Caleb Hammer?

  You're her driving instructor? Okay.

• 4:48Speaker 02

  Only for a month.

• 4:49Caleb Hammer?

  Were you best friends before that or after that?

• 4:51Speaker 02

  No, I met her in the truck.

• 4:53Speaker 01

  We met in Chicago.

• 4:55Caleb Hammer?

  And you locked her into your, your semi? She hasn't been able to leave ever since?

• 5:01Speaker 02

  Well, I was quitting becoming an instructor and moving to just driving regular. And she needed a partner.

• 5:09Caleb Hammer?

  What kind?

• 5:10Speaker 01

  I needed a trucking partner.

• 5:12Caleb Hammer?

  Well, you guys were driving a year together and then all of a sudden, uh, uh, one night we got a little.

• 5:16Speaker 01

  Trucker instructors get a new student. And then I have to go off and find my own partner to drive with. And I didn't want to do that.

• 5:25Caleb Hammer?

  Yeah, I was saying you guys were driving for a full year together and all of a sudden someone made a move. Got a little juicy, a little spicy.

• 5:34Speaker 02

  Just a little bit.

• 5:35Speaker 01

  Just mild, mild spicy.

• 5:38Caleb Hammer?

  Okay, so what's going on, guys? What are we talking about? I guess I don't know how much money you make, but well, it's a, or, oh, no, Jessica says this is how much you make.

• 5:45Speaker 02

  Yeah.

• 5:46Caleb Hammer?

  And am I trusting Jessica? I, I feel like I'm trusting Jessica because at least she looks at the accountant being told you don't. You just swipe, right, Angie?

• 5:54Speaker 01

  Mm-hmm. Dang.

• 5:55Speaker 02

  Swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe. That's what she sings on Christmas.

• 6:03Speaker 02

  She also calls it the magic money card.

• 6:06Speaker 01

  Never runs out.

• 6:07Caleb Hammer?

  Wow, that's someone I would want to attach the rest of my life to.

• 6:11Caleb Hammer?

  Why the f**k did you pick that? That's delusional.

• 6:14Speaker 01

  Just look at me.

• 6:16Caleb Hammer?

  What about you? I can't tell which one looks more like a man. Like, I don't know, what am I supposed to be doing here?

• 6:21Speaker 01

  Oh, rude.

• 6:22Caleb Hammer?

  Kind of, I guess. Not really. I mean, you're lesbians. I mean, you get it. Lesbian truckers, what else am I supposed to do here? Come on.

• 6:29Speaker 01

  We're here because my wife got pregnant by a man.

• 6:34Caleb Hammer?

  That is usually how that works.

• 6:35Speaker 01

  Another man. Well, amen. I'm not a man.

• 6:38Speaker 02

  Another one.

• 6:38Caleb Hammer?

  I mean, you're the one that just got insulted when I said you looked like one, so.

• 6:41Speaker 01

  I'm not a man.

• 6:43Caleb Hammer?

  I mean, I knew that. You know that? Okay.

• 6:47Speaker 01

  But...

• 6:49Speaker 01

  I did.

• 6:50Caleb Hammer?

  Oh, you figured it out. Okay.

• 6:53Speaker 01

  Took me a little bit.

• 6:54Caleb Hammer?

  Well, yes, that is usually how that works. The nut of a semen from a penis attached to a man is usually how

• 7:02Caleb Hammer?

  a woman such as yourselves gets and pregnant. Well done on that.

• 7:06Speaker 02

  Thank you.

• 7:07Caleb Hammer?

  How'd you find the penis?

• 7:08Speaker 01

  Uh, Facebook.

• 7:09Caleb Hammer?

  What in the f**k are we doing here? Do you know about the penis?

• 7:12Speaker 01

  I do.

• 7:12Caleb Hammer?

  Oh, you know about the penis?

• 7:14Speaker 01

  I picked them.

• 7:14Caleb Hammer?

  So you can send it to the penis?

• 7:16Speaker 01

  Yes.

• 7:17Caleb Hammer?

  You picked the penis? You helped pick the penis? Penis picker?

• 7:19Speaker 01

  Yes. We looked into pregnancy. We looked at how much everything was gonna cost. We thought about IVF.

• 7:28Caleb Hammer?

  Oh, that's crazy.

• 7:29Speaker 01

  Way too expensive.

• 7:31Caleb Hammer?

  Yeah, but you guys make good money, but go ahead, continue.

• 7:32Speaker 01

  Way too expensive, so I took the opportunity to look on Facebook.

• 7:37Caleb Hammer?

  Facebook?

• 7:38Speaker 01

  Yeah.

• 7:39Caleb Hammer?

  Facebook Marketplace nut?

• 7:41Speaker 01

  Not Marketplace.

• 7:43Caleb Hammer?

  We show up to the... Oh, okay, that makes sense.

• 7:47Speaker 01

  There's groups for all this.

• 7:48Speaker 02

  Yeah, there's sperm donor groups.

• 7:50Caleb Hammer?

  Okay, thank you, Zuck, for providing. Very good. Okay, so what did you find? I don't know, I've never done this.

• 7:57Speaker 02

  Uh, well, we found a lot of creeps.

• 7:59Caleb Hammer?

  Who would've thought? Not me.

• 8:00Speaker 02

  So we had to filter through all that because they like.

• 8:04Caleb Hammer?

  What they just want breeding?

• 8:05Speaker 02

  Mm hmm.

• 8:06Caleb Hammer?

  Things?

• 8:06Speaker 02

  Yeah, and most of them, they want to do it all natural and stuff.

• 8:10Caleb Hammer?

  Well, yes, they want to stick their penis inside of you.

• 8:12Speaker 02

  So we gotta.

• 8:13Speaker 01

  Absolutely not.

• 8:15Speaker 02

  I'm cut out. That wasn't an option.

• 8:18Caleb Hammer?

  Yeah.

• 8:18Speaker 02

  Oh.

• 8:19Caleb Hammer?

  Oh, well, so what did we find instead?

• 8:21Speaker 01

  Still a lot of creeps.

• 8:23Caleb Hammer?

  So you selected a creep?

• 8:24Speaker 02

  No.

• 8:24Speaker 01

  No, he.

• 8:25Caleb Hammer?

  Well, then that's where you would answer. So what did you find instead?

• 8:29Speaker 01

  He's very nice. Found a nice man.

• 8:32Speaker 02

  A nice, a nice twenty seven year old.

• 8:36Caleb Hammer?

  Yeah, let's see what this guy looks like. And how much did you give him?

• 8:39Speaker 02

  It was, it was free.

• 8:42Speaker 02

  There are people that charge, like we, um.

• 8:45Caleb Hammer?

  What's the point? Why'd he do it?

• 8:48Speaker 02

  To help.

• 8:51Speaker 02

  He likes helping people. He has, um.

• 8:54Caleb Hammer?

  Okay, I mean, definitely incel, but the thing is. The incel, I feel like he would do that. So that he could like have sex, but like you guys didn't have sex. Um.

• 9:08Caleb Hammer?

  Okay, you guys all friends? How far is he? Do you guys like live next to him? Is he gonna be a part of the kid?

• 9:12Speaker 01

  No, he lives four hours away.

• 9:16Caleb Hammer?

  Okay, so you're gonna be a part of the kid's life? Is this gonna be complicated? What kind of rules and regulations? Did you do paperwork and shit?

• 9:22Speaker 02

  A lot of paperwork.

• 9:23Caleb Hammer?

  Okay, a lot of paperwork that was legally approved or is this downloaded from lawyer dot com?

• 9:28Speaker 02

  I mean, it was notarized.

• 9:30Caleb Hammer?

  Oh, notarized?

• 9:30Speaker 02

  Yeah.

• 9:31Caleb Hammer?

  Officially notarized, like?

• 9:32Speaker 02

  Yeah.

• 9:33Caleb Hammer?

  Actually, okay, okay, okay. Well, not that they, not that a notary specifically would say that, yes. This document is gonna hold up in a court of law, but you know. They validated that at least it was signed correctly.

• 9:46Speaker 02

  Mm hmm, and he plans to give us three more.

• 9:48Caleb Hammer?

  What is he getting out of this? I'm so confused.

• 9:50Speaker 02

  He's helping us.

• 9:51Speaker 01

  He just helps people. He's very nice.

• 9:53Caleb Hammer?

  So he just wants to spread his seed along all over the world?

• 9:56Speaker 01

  Mm hmm, all over.

• 9:57Speaker 02

  Think he has like eight kids right now? Two on the way.

• 10:02Caleb Hammer?

  In that document, it also says you cannot get child support, correct?

• 10:05Speaker 01

  Correct.

• 10:06Caleb Hammer?

  Thanks for him. Oh, my goodness. We wouldn't understand this, but this is a weird passion for him.

• 10:11Speaker 01

  Although somebody is doing that to somebody else right now.

• 10:15Caleb Hammer?

  Well, yeah, no shit.

• 10:18Caleb Hammer?

  That's what I would be nervous of. Okay, so he's not gonna be involved again. So listen, are we even ready for a kid? I don't understand how we're gonna do it. You want a different job? Are you gonna stay home? I don't understand. What are we gonna do? We live in a truck all day. Are we long haul, short haul? What are we doing?

• 10:31Speaker 02

  Oh, long haul.

• 10:34Caleb Hammer?

  Could we do?

• 10:34Speaker 02

  Kind of long.

• 10:35Caleb Hammer?

  Kind of long haul.

• 10:36Speaker 02

  We're on the road four days out of the week and then we're home.

• 10:38Caleb Hammer?

  How are we doing a newborn, especially two? Cause you're gonna do it again immediately? The incel nut? You know, these kids are gonna be shooting up schools left and right.

• 10:47Speaker 02

  No.

• 10:48Speaker 01

  No.

• 10:49Caleb Hammer?

  Okay.

• 10:49Speaker 01

  I don't believe it. If we're long haul right now for the next two months.

• 10:55Speaker 02

  Three months.

• 10:57Speaker 01

  You give birth in three months.

• 10:58Speaker 02

  I wanna go all the way to the end.

• 10:59Caleb Hammer?

  Oh, you both tried to get pregnant at the same time. How the were we gonna do that? You wouldn't be able to do that. You know, for a long haul, if we're almost long haul trucking, how the were we gonna do that?

• 11:11Speaker 02

  Figure it out.

• 11:12Caleb Hammer?

  Oh, what an answer. Let's know. What was, what was your plan, guys? And if that's actually your answer, then you're a selfish.

• 11:20Speaker 03

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• 11:51Speaker 01

  Ah, you just roll with the punches.

• 11:53Caleb Hammer?

  No. Okay. Well, then you're a selfish. Cause the kids come into this world and we're just gonna roll with the punches? You weren't prepared. You weren't doing anything. Fuck you.

• 12:00Speaker 01

  Roll with the punches.

• 12:01Caleb Hammer?

  Roll with the punches. You have a kid. Plan for the kid. Make the kid's life good.

• 12:05Speaker 01

  Got a plan, but not.

• 12:07Caleb Hammer?

  Okay, then what's your plan? What's your plan? Even not too much of a plan. What's your plan?

• 12:10Speaker 01

  Roll with the punches.

• 12:11Caleb Hammer?

  That's your plan. Okay. So.

• 12:13Speaker 01

  Until work says she.

• 12:15Caleb Hammer?

  You're laughing. That's funny. Your kid's not gonna have a plan. Kid's not gonna have parents around him?

• 12:19Speaker 02

  There's a plan. She just doesn't know the plan.

• 12:21Caleb Hammer?

  Oh, she doesn't know the plan. Well, the person who also tried to get pregnant and wants to get pregnant next. What's the plan? Planner?

• 12:26Speaker 02

  Plan is one person. We, we make enough money for one person to, to, uh, work.

• 12:32Caleb Hammer?

  Maybe, I don't know, it's your rent.

• 12:35Speaker 02

  Our rent? Uh, one thousand two hundred.

• 12:37Caleb Hammer?

  Yeah, yeah, you could do one person, okay?

• 12:40Speaker 02

  See, that's the plan.

• 12:41Caleb Hammer?

  Okay, but there's usually more bills than one person. I mean, I have a stack of debt. Why are you in debt if you guys make so much money? So, you, what's the plan?

• 12:47Speaker 01

  Roll with the punches.

• 12:48Caleb Hammer?

  Shut the fuck up, I will murder you.

• 12:50Speaker 01

  I'm telling you, roll with the punches.

• 12:51Caleb Hammer?

  She said she knows the plan, you don't know the plan, you've never heard of a plan in your life.

• 12:55Speaker 01

  You go as the...

• 12:57Caleb Hammer?

  Is that how you got here?

• 12:59Speaker 01

  Yep.

• 12:59Caleb Hammer?

  Yeah. I don't think that worked very well.

• 13:02Speaker 01

  Are you sure?

• 13:03Caleb Hammer?

  You're on financial audit, bitch.

• 13:04Speaker 01

  Went with...

• 13:05Caleb Hammer?

  So you, what is the plan?

• 13:06Speaker 01

  With the punches.

• 13:08Speaker 02

  With our first one, or with more to come?

• 13:11Caleb Hammer?

  Let's hear both.

• 13:12Speaker 02

  Okay, the first one, my ideal plan is...

• 13:17Speaker 01

  Roll with the punches, stop saying that.

• 13:20Speaker 02

  I'm gonna, I'm gonna still do trucking, but local, which I'm, be home every day, and I want her to get a job that at least makes five hundred dollars a week.

• 13:30Caleb Hammer?

  How are we taking care of the kid then, if we're both still working though? Full time.

• 13:34Speaker 02

  There's daycare.

• 13:35Caleb Hammer?

  Okay, you're put, you're doing immediate daycare at zero?

• 13:38Speaker 02

  Hmm?

• 13:39Caleb Hammer?

  Okay.

• 13:39Speaker 02

  Or, uh...

• 13:40Caleb Hammer?

  You'd have to be able to afford that, that's expensive.

• 13:43Speaker 02

  I could have, maybe my brother, he, he's a...

• 13:46Caleb Hammer?

  He's a good breastfeeder. Yes, yes, yes, pump into the fridge, I know, I get it.

• 13:50Speaker 02

  And also, I'll be working overnight, so, during the day. You know?

• 13:56Caleb Hammer?

  What, okay, so you take care of the kid at night? When your days off?

• 14:00Speaker 01

  I gotta go to bed sometime.

• 14:01Caleb Hammer?

  Cause you gotta, yeah, you have to sleep, exactly, that's what I'm saying, like, what, when's your time with the kid then? What? You're, you're literally a couple of months away from giving birth and we have no idea how the fuck we're taking care of this kid. That's kinda selfish, just cause you guys wanted to have kids. I want everyone to have kids who wants to have kids, but you gotta at least think of what the fuck life looks like.

• 14:19Speaker 01

  It'll work out.

• 14:19Caleb Hammer?

  And you're immediately gonna get pregnant again?

• 14:21Speaker 01

  It'll all work out.

• 14:22Caleb Hammer?

  Also, how are you the one got that pregnant? When you both took the nut?

• 14:26Speaker 01

  Mine didn't hold. Clearly.

• 14:29Caleb Hammer?

  Hold?

• 14:31Speaker 01

  Yeah, it didn't take.

• 14:33Caleb Hammer?

  Oh, it didn't take? Okay, well, it's a little different.

• 14:36Speaker 01

  Well.

• 14:36Caleb Hammer?

  You're talking like miscarriage. I don't know. Hold?

• 14:39Speaker 01

  Yeah.

• 14:40Caleb Hammer?

  You got a miscarriage?

• 14:40Speaker 01

  No.

• 14:41Caleb Hammer?

  Oh.

• 14:41Speaker 01

  You got a

• 14:44Speaker 01

  in, you put it inside.

• 14:47Caleb Hammer?

  Okay, so we have no plan.

• 14:49Speaker 01

  We do.

• 14:50Speaker 02

  Thought my plan was pretty good.

• 14:52Caleb Hammer?

  You've

• 14:53Speaker 01

  You've rolled with the punches.

• 14:54Caleb Hammer?

  How are you seeing the kid? How are you taking care of the kid? I feel like we don't have anything here. And you're immediate. How many kids are we gonna have?

• 15:02Speaker 02

  We want three, ideally three. But if it comes down to it, we'll have to have four. If we have four bo- three boys.

• 15:10Caleb Hammer?

  Yeah, but she wants to stay at home, be a trad wife, I'm being told.

• 15:12Speaker 02

  Mm-hmm. She's tried it before in the past and it did not work.

• 15:17Caleb Hammer?

  With who? With you?

• 15:18Speaker 02

  Yeah.

• 15:19Speaker 01

  Who else?

• 15:19Caleb Hammer?

  Well, what failed? I don't know. Someone you may have been with before. What the do you think?

• 15:23Speaker 02

  I had to make her get a job.

• 15:25Speaker 01

  Absolutely not.

• 15:26Caleb Hammer?

  I don't know your life. I don't know you. How would I know that? Shut the up, you obnoxious creature. So what failed?

• 15:34Speaker 02

  Laziness. She didn't keep the house clean.

• 15:37Caleb Hammer?

  Oh, so you wanted to be a, okay, that's not trad wife, and you're just a lazy.

• 15:40Speaker 01

  But I had, I had other things.

• 15:43Caleb Hammer?

  What were you doing? What are the things you had?

• 15:45Speaker 01

  I was making carpets. I was.

• 15:47Caleb Hammer?

  Oh, making carpets?

• 15:49Speaker 01

  Yeah. I was.

• 15:51Caleb Hammer?

  That's a classic trad wife.

• 15:54Speaker 01

  Trying to find something to do. She has a lot of hobbies.

• 16:00Caleb Hammer?

  That's not trad wifing, though. This is you doing what you want to do and having her work.

• 16:05Speaker 01

  No, because I could technically make money.

• 16:08Caleb Hammer?

  Let me guess, you call yourself an entrepreneur, too?

• 16:11Speaker 01

  Yeah, I do.

• 16:12Caleb Hammer?

  Yeah, what's your little entrepreneur?

• 16:14Speaker 01

  I told you, making carpets. Custom sneakers.

• 16:19Caleb Hammer?

  Oh, wow.

• 16:19Speaker 01

  Custom shirts. Custom shirts.

• 16:22Caleb Hammer?

  Uh-huh. We've made.

• 16:25Speaker 02

  Zero.

• 16:25Caleb Hammer?

  Uh-huh.

• 16:27Speaker 02

  They call them

• 16:28Speaker 01

  It's a working progress. It's a working progress.

• 16:30Speaker 02

  They're just hobbies.

• 16:32Caleb Hammer?

  Uh huh. Yeah, and that, I mean, that sounds like that's all they'll ever be. I don't want to shit on your dreams, but like you've made zero in how many years?

• 16:40Speaker 02

  And she

• 16:41Caleb Hammer?

  Of making carpets.

• 16:42Speaker 02

  She wanted me to start.

• 16:43Speaker 01

  Actually, I only started a couple of months.

• 16:45Caleb Hammer?

  Pop shop. You ever start a pop shop in Texas? I mean, that shit just got like pretty much.

• 16:49Speaker 02

  We got a hot shot. We did start a hot shop business.

• 16:52Caleb Hammer?

  A hot shop? What's this?

• 16:53Speaker 02

  It's a where you get like a duly truck and your own trailer and do loads yourself.

• 16:59Caleb Hammer?

  And what have you made?

• 17:02Speaker 02

  Nothing. It failed. Lasted like four months.

• 17:05Caleb Hammer?

  You didn't even make a dollar?

• 17:06Speaker 01

  We made money.

• 17:08Speaker 02

  No, no.

• 17:09Speaker 01

  Did we not make money? All those trips, we took all over the place.

• 17:13Speaker 02

  As much money we invested into it.

• 17:15Speaker 01

  We did not. We, we, we only did it for a couple of months. We're not gonna make back what we put into it though.

• 17:22Speaker 02

  Maybe if you helped a little, we would have made a little more money.

• 17:24Speaker 01

  How did you want me to help?

• 17:26Speaker 02

  Booking the loads, come with me on trips or something.

• 17:29Speaker 01

  Did I not sit there?

• 17:31Speaker 02

  It was your idea to make, to start the business.

• 17:36Speaker 01

  I have a lot of ideas on a lot of business stuff.

• 17:40Speaker 02

  And that's why I stopped listening about your little different businesses.

• 17:45Caleb Hammer?

  I mean, everyone has the, everyone could have the idea, oh, I'm gonna make shoes. That's not a unique idea to make shoes. We've done that. Humans have done that since forever. What are you, what are you, you're not, I'm sorry, you don't have a unique idea. What's your unique idea? Everyone has picked up things and moved them.

• 18:00Speaker 01

  I don't have a unique. I don't have a unique idea.

• 18:03Caleb Hammer?

  Then you're not gonna do anything if your idea in business is I'm going to make shoes.

• 18:07Speaker 01

  I could try.

• 18:08Caleb Hammer?

  No one does that. Try what? You have to have, what are you bringing to the marketplace that is actually unique?

• 18:13Speaker 01

  Nothing. Nothing at all.

• 18:16Caleb Hammer?

  Stop.

• 18:17Speaker 01

  But I have a lot of ideas.

• 18:20Caleb Hammer?

  Ideas. What are your grand ideas that are not already being done the exact same way, but better?

• 18:25Speaker 02

  You have a new idea?

• 18:27Speaker 01

  You know, I'll come up with it. I will. I will come up with a new idea.

• 18:31Caleb Hammer?

  It's a wonderful strategy. It'll just happen.

• 18:34Speaker 01

  Maybe my kid would wanna join this wonderful idea.

• 18:38Caleb Hammer?

  Oh, poor child.

• 18:39Speaker 01

  What the?

• 18:41Caleb Hammer?

  What do you mean? What are you gonna make him make carpet?

• 18:44Speaker 01

  No, not carpets. Like, that's another-

• 18:46Caleb Hammer?

  Well, that's your thing. You're a freak making carpets close shoes. You couldn't even, you, somehow, in the world of the Dallas metropolitan area about to be the third largest metro in the country, couldn't make money moving things for people?

• 19:02Speaker 01

  Why would I wanna move things for people?

• 19:04Caleb Hammer?

  Why'd you guys do it then?

• 19:05Speaker 01

  The hot shop business.

• 19:06Caleb Hammer?

  Why'd you guys do it? Hot shop?

• 19:08Speaker 01

  But that was for, like...

• 19:13Speaker 01

  I'm thinking, you're thinking of moving people's houses, not like-

• 19:17Caleb Hammer?

  What were you moving?

• 19:18Speaker 01

  Tires.

• 19:19Caleb Hammer?

  Good. And you couldn't even do that in the fourth largest metro in the US, about to be number three. You couldn't even make that work there with millions of people. How the f**k are you gonna be able to do anything?

• 19:29Speaker 01

  But that would, that's out on the road. That's, that wouldn't benefit nothing.

• 19:33Caleb Hammer?

  You're just going somewhere to pick shit up. What do you mean not benefiting anything? It's money.

• 19:36Speaker 01

  We were all over the place, all over the US.

• 19:39Speaker 02

  Alright, you do have a new business venture. She told me the other day she wants to be a barber.

• 19:44Speaker 01

  Yep.

• 19:45Speaker 02

  Never once cut hair.

• 19:46Caleb Hammer?

  I wanna be a barber. Very good, yes.

• 19:49Speaker 01

  That is-

• 19:50Caleb Hammer?

  Again, that's not you having a business idea. That's just you wanting to do something different.

• 19:54Speaker 01

  My carpets are great.

• 19:55Speaker 02

  Yes, she loves-

• 19:57Caleb Hammer?

  Munching on those carpets. We know. Listen.

• 20:00Speaker 02

  She loves switching, switching on everything, like, jobs and everything. She gets tired.

• 20:05Caleb Hammer?

  Well, I get it.

• 20:06Speaker 01

  I get bored.

• 20:07Caleb Hammer?

  I do. I'm all over the place, too. I'm a brrrr. Like, I wanna do a thousand different things, but you gotta lock the f**k in. You have a kid coming in a couple of months. You don't get to choose this anymore. You don't get to be that independent.

• 20:14Speaker 01

  I may have a kid coming, but-

• 20:17Caleb Hammer?

  May? I think it is.

• 20:18Speaker 01

  I have a lot of ideas that he could potentially think that it might be a good idea.

• 20:22Caleb Hammer?

  Hey, maybe let him be an entrepreneur then. How about you take care of the roof over his head today?

• 20:28Speaker 01

  Easy. I'd join him. I have the money.

• 20:31Caleb Hammer?

  Fine, in eighteen years, you can. Today-

• 20:36Caleb Hammer?

  Make sure there's food on the table today.

• 20:40Speaker 01

  I, well, I guess I'm gonna have to just still truck drive until I find a new idea to come up with.

• 20:47Caleb Hammer?

  It's not about ideas. You're not coming up with ideas. Cutting hair is not an idea. What do you think you are? Dude, you're the laziest entrepreneur I've ever heard, or the most, I can't tell.

• 20:57Speaker 01

  Well, it's new. It's new to me.

• 21:00Caleb Hammer?

  Cutting hair, that doesn't mean it's new to humans. Other people cut hair.

• 21:05Speaker 01

  I can't just think out of the box. I can't just be like, oh, I wanna...

• 21:08Caleb Hammer?

  Then you can't be an entrepreneur. It's as simple as that. Cold hard truth. If you can't think out of the box, you are not an entrepreneur. Give up.

• 21:14Speaker 01

  No, I refuse to give up. I'm gonna keep trying.

• 21:16Caleb Hammer?

  But you're not an entrepreneur. If you can't think out of the box, you will never be successful.

• 21:21Speaker 01

  Can you help?

• 21:22Caleb Hammer?

  That thinking out of the box?

• 21:23Speaker 01

  Help me.

• 21:26Speaker 02

  What do you want me to help you with?

• 21:27Caleb Hammer?

  What are you talking about?

• 21:28Speaker 01

  I want to do something that will benefit our lives and our kids' lives.

• 21:35Caleb Hammer?

  Good. Worse, you make money. You guys are over six figures net. You guys do incredible for the metro, for the country.

• 21:40Speaker 01

  And be on the road and never see my kid.

• 21:43Caleb Hammer?

  You wanna do something you want to do. But I thought you guys were three on, three off, or whatever. I don't know. Right? Okay, you're gonna see the kid.

• 21:54Speaker 01

  No, I want to go to games. I want to go to his games.

• 21:58Caleb Hammer?

  Okay, well, first of all, he's gonna be zero. He's not playing baseball this year. So like you have some time to do a transition into some different kind of trucking or something.

• 22:08Speaker 01

  Yeah, but at zero, he's even gonna be smiling, seeing people, seeing colors, seeing me. At zero, and if I'm out on the road...

• 22:21Caleb Hammer?

  If you're working three days, you're gonna see a lot of smiling for four.

• 22:24Speaker 01

  You don't just work three days. You're off three days. And if...

• 22:27Caleb Hammer?

  You're off three.

• 22:28Speaker 02

  I mean, you could request to work only three days. You'd get a good amount of money still.

• 22:32Speaker 01

  No.

• 22:33Caleb Hammer?

  Because you guys are gonna make a lot of money. You can take a little pay cut.

• 22:36Speaker 02

  How?

• 22:38Caleb Hammer?

  With what she just said. You're so stupid. She just said, what?

• 22:42Speaker 02

  We have so many bills.

• 22:43Caleb Hammer?

  But then you can't do what your, your plan would have made sense then because your plan was based on basically only paying for rent. By one person stopping working.

• 22:52Speaker 02

  No.

• 22:53Caleb Hammer?

  So what? She said you have a lot of bills.

• 22:55Speaker 02

  We have a lot of bills. I just, I just need her to get a job that's gonna make her just $500 a week.

• 23:02Caleb Hammer?

  What is this $500 a week thing? What is this? What is this target? What have you done? Does she even know this? Does she understand? Make the logic work for me.

• 23:08Speaker 02

  I've, I've told her.

• 23:09Caleb Hammer?

  Tell me.

• 23:11Speaker 02

  Cause say I continue making like at least $1,200 a week. That's what 4,800 a month? And then if she brings the extra $500 a week, that adds $2,000. So that'd be like 6,800 a month. That's good.

• 23:28Caleb Hammer?

  I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out, just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt.

• 24:10Caleb Hammer?

  And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get you free assessment and find the best option for you right now at pdst debt.com/hammer. That is pdst debt.com/hammer. PDS debt.com/hammer. You suck with money. So you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use.

• 24:53Caleb Hammer?

  So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Bills play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Well, but that's half of what we're making now.

• 25:35Speaker 02

  That's three days of work.

• 25:37Caleb Hammer?

  That's half of what we're making now, though.

• 25:38Speaker 01

  But I still need to get.

• 25:40Caleb Hammer?

  Can you guys afford half? She's suggesting no with the bills you got. Listen, with the conversation that we just had about this business and stuff like, what the? How do you guys even have conversations around the finances in the house? What does it look like? What do the conversations look like in this house?

• 25:53Speaker 01

  Um, basically, I can't spend this money.

• 25:57Speaker 02

  She starts talking about her business adventures and I shut them down.

• 26:00Caleb Hammer?

  What do you do? No, tell me, I want an example. What do you do? Give me a recent conversation about it.

• 26:05Speaker 01

  Okay, I want to be a barber.

• 26:06Speaker 02

  No.

• 26:07Speaker 01

  What about a tattoo artist?

• 26:09Speaker 02

  No.

• 26:10Speaker 01

  Why?

• 26:11Speaker 02

  Because you've never even drew. You've never drawn, nothing, you're not drawing, nothing, you're gonna teach yourself how to draw?

• 26:19Speaker 01

  You gotta, you learn, it's like a learning process.

• 26:23Speaker 02

  And then barbering, you've never cut in hair. Even my hair you don't cut.

• 26:28Speaker 01

  I did too, cut your hair. Out on the truck that one day, you were like, oh, I need you to cut my hair. What did I do? I bald it, I bald you.

• 26:37Speaker 02

  That's not, that's a baldy, that doesn't, that doesn't require skill.

• 26:42Caleb Hammer?

  What the? I feel like two toddlers are having a conversation. This is how it looks in this house? When she talk, what the? This is like a grade school conversation.

• 26:51Speaker 01

  What do you expect?

• 26:52Caleb Hammer?

  An adult conversation.

• 26:54Speaker 01

  We just had one about a job.

• 26:56Caleb Hammer?

  It was a grade school conversation. I cut your hair on the road, didn't you see? When I took out my scissors and started snipping?

• 27:04Speaker 01

  I disagree.

• 27:06Caleb Hammer?

  Oh, good rebuttal.

• 27:08Speaker 01

  You?

• 27:08Caleb Hammer?

  Well thought out, very nuanced.

• 27:10Speaker 01

  I am.

• 27:12Caleb Hammer?

  You are? What? What are you?

• 27:15Speaker 01

  I just think

• 27:19Speaker 01

  that I-

• 27:19Caleb Hammer?

  You guys need to get out of the cabin, man.

• 27:23Speaker 01

  Why?

• 27:24Caleb Hammer?

  You can't talk.

• 27:26Speaker 01

  I talk to people on the phone. I talk to people in the shipper.

• 27:31Caleb Hammer?

  In the shipper?

• 27:31Speaker 01

  Yeah.

• 27:32Caleb Hammer?

  I don't know what the shipper is.

• 27:34Speaker 01

  Where we go to unload the truck.

• 27:37Caleb Hammer?

  Okay, so, okay, the shipper, very good. Now I know what a shipper is. Glad I learned something today. Okay, so that's, okay, conversation around the job, sure. What about when it comes to spending, budgeting, our goals, everything like that? How do those conversations go? Who's what? Because I know you blame her for the debt. I have the note. I was just type that you blame her for the debt. Does she even know you blame her for the debt? Angie, do you even know that she blames you for the debt?

• 28:01Speaker 01

  No.

• 28:02Caleb Hammer?

  No? Okay, so what are the conversations that happen? What is the insight? I need insight and how finances are communicated in this house, please.

• 28:10Speaker 01

  Literally, I want to, hey, can I buy this?

• 28:14Caleb Hammer?

  You at least ask for everything.

• 28:16Speaker 01

  Not for everything.

• 28:17Caleb Hammer?

  Then what are you saying? Then you're leading me down a wrong path.

• 28:21Speaker 01

  And I'm like, oh, this is cute. I'mma get it.

• 28:24Caleb Hammer?

  Cute, what's cute?

• 28:25Speaker 01

  Baby clothes.

• 28:28Caleb Hammer?

  Okay.

• 28:29Speaker 01

  And I'm like, oh, I'm gonna get it. But me, she'd be like, oh, no, it's too expensive. She'd be like, no, don't do it. But I'm just going for cuteness. I don't care if it's-

• 28:43Caleb Hammer?

  Oh, Jessica, what do you think about this? How do you communicate back? And what do you communicate back? Because my communication would be divorce and murder. But what would yours be?

• 28:52Speaker 02

  No, never.

• 28:55Speaker 02

  You wouldn't render me.

• 28:57Caleb Hammer?

  Okay, how do you communicate back?

• 28:59Speaker 02

  I just could just a simple no.

• 29:01Caleb Hammer?

  That's it. And there's no pushback, there's no worries.

• 29:03Speaker 02

  Usually there's no pushback.

• 29:06Caleb Hammer?

  What are we struggling with? If you can just say no, and you're the financially responsible one, you can just say no. And she's like, okay. Then why the fuck are we struggling? You guys make a shit ton of money. If you've been pregnant for, what is it, seven, eight? I forgot.

• 29:18Speaker 01

  Seven.

• 29:18Speaker 02

  Seven.

• 29:19Caleb Hammer?

  Seven months.

• 29:21Caleb Hammer?

  Why is this not improving? Why is this still bad? Why is the most recent statement is Why? Cause you have a kid coming.

• 29:27Speaker 01

  Okay.

• 29:27Caleb Hammer?

  And if you can just say no, and she's like, okey okies, then why the we in this situation?

• 29:33Speaker 01

  We just started taking over the bills.

• 29:35Speaker 02

  Yeah.

• 29:35Caleb Hammer?

  We? From?

• 29:37Speaker 02

  My mom.

• 29:39Caleb Hammer?

  What bills? What do you mean bills?

• 29:41Speaker 01

  Well, the house, the

• 29:43Caleb Hammer?

  The house. What about the debt you're in? Was it your mom's debt that you took over?

• 29:46Speaker 02

  Yeah.

• 29:46Speaker 01

  It is.

• 29:47Caleb Hammer?

  What?

• 29:48Speaker 02

  It's all

• 29:48Caleb Hammer?

  All your mom's debt. You don't have any debt.

• 29:51Speaker 02

  Well, the thing is, um, when

• 29:54Speaker 01

  She has

• 29:55Speaker 02

  When we started working

• 29:56Caleb Hammer?

  What are we saying? And she says you have debt. So why are you trying to gaslight me? What the are you talking about? Trying to improve?

• 30:02Speaker 02

  I did not know that we had debt.

• 30:04Caleb Hammer?

  You didn't know that you had debt?

• 30:05Speaker 02

  Yeah. This is

• 30:07Caleb Hammer?

  What?

• 30:08Speaker 02

  This is our

• 30:08Caleb Hammer?

  What kind of broken are you?

• 30:10Speaker 01

  This is our second month

• 30:11Speaker 02

  Doing our own bills.

• 30:12Caleb Hammer?

  Bullshit spending was 1,750 regardless of debt. 1,750 without the door and just bullshit, nothing, not improving life at all.

• 30:21Speaker 01

  We did our

• 30:21Caleb Hammer?

  At a minimum, by the way, minimum. You what?

• 30:25Speaker 01

  We redid our house.

• 30:26Caleb Hammer?

  That's not miscellaneous bullshit. Stopping at a gas station, stopping at McDonald's.

• 30:32Speaker 01

  We used to smoke.

• 30:34Caleb Hammer?

  I'm glad you don't, cause you're pregnant and you almost were. If you want to high five for that, I ain't gonna give it to you. That's kind of basic.

• 30:41Speaker 01

  You sure?

• 30:42Caleb Hammer?

  Yes. Glad you don't smell like a nasty piece of shit. Well done. Proud of you.

• 30:47Speaker 01

  You need gas to drive, don't you?

• 30:49Caleb Hammer?

  Gas? Who said that? That's not miscellaneous bullshit. That's transportation of which is very expensive. In fact, it's 38% of your spending. I'm not complaining about that. I might, but I'm not. Cause I assume you guys fill your own tanks? Cause you're independent contractors, right?

• 31:04Speaker 02

  No.

• 31:04Caleb Hammer?

  So correct? So how's the transportation so expensive?

• 31:07Speaker 02

  Probably going into truck stops and buying food and

• 31:10Caleb Hammer?

  No, no, no, no. Transportation. You, you usually it's not gas?

• 31:14Speaker 02

  Oh.

• 31:15Speaker 01

  Would it be like a car bill?

• 31:16Caleb Hammer?

  We'll have to go into it, but I would like to hear, I, I was thinking maybe you would have any kind of insight into your finances. I thought you were the

• 31:22Speaker 02

  This is our second month ever paying our own bills.

• 31:26Caleb Hammer?

  How guys? I'm so confused. We're 31 and 32. What the is wrong with you guys?

• 31:31Speaker 02

  Well.

• 31:31Caleb Hammer?

  Even one Arm mom, arm always

• 31:35Speaker 01

  Her mom.

• 31:35Caleb Hammer?

  Okay, why were you never independent in your life even before her?

• 31:39Speaker 01

  I'm irresponsible.

• 31:42Speaker 01

  I don't even have a bank account with my mom.

• 31:44Caleb Hammer?

  How are you surviving before her mother?

• 31:48Speaker 01

  My parents.

• 31:49Caleb Hammer?

  Your parents, so you guys are coddled children. And yet you thought it was time to bring a child in of your own.

• 31:55Speaker 01

  We grew up.

• 31:56Caleb Hammer?

  Pathetic. No, you didn't.

• 31:58Speaker 01

  Yes, we did.

• 31:58Caleb Hammer?

  Growing up wouldn't be this. Growing up wouldn't be putting more on a credit card than you spend.

• 32:01Speaker 01

  We still have a house over our head. We still have electric on.

• 32:05Caleb Hammer?

  For now.

• 32:05Speaker 01

  We still have water.

• 32:07Caleb Hammer?

  For now.

• 32:07Speaker 01

  We grew up.

• 32:08Caleb Hammer?

  For now.

• 32:09Speaker 01

  From our parents, well, not, I don't know about you, but from my parents

• 32:16Caleb Hammer?

  Oh, you know, your wife.

• 32:17Speaker 01

  doing everything for me, you know, to us, well, me now paying stuff on our house, I think I grew up.

• 32:28Caleb Hammer?

  You're pathetic. I'm calling your parents in the post show.

• 32:31Speaker 01

  Oh, well, my mom died, so you can't.

• 32:35Caleb Hammer?

  What?

• 32:35Speaker 02

  Yeah, my mom died last month. That's why we're taking over.

• 32:41Caleb Hammer?

  Oh, yours is dead too?

• 32:42Speaker 01

  Yeah.

• 32:43Caleb Hammer?

  Guys, everyone's getting dead parents. Stop. I'm sorry. That's hard.

• 32:49Caleb Hammer?

  Your father?

• 32:51Speaker 01

  You can call him if you want.

• 32:53Caleb Hammer?

  Okay, got one. We found one alive.

• 32:56Speaker 01

  I think, you know.

• 32:58Speaker 02

  Don't call mine. He doesn't speak English.

• 33:01Caleb Hammer?

  I'll call Ace. No, we wouldn't do that. We wouldn't do that. We like Angie's parents.

• 33:05Speaker 02

  He's in Mexico.

• 33:07Caleb Hammer?

  Ah, yes, yes, yes.

• 33:08Speaker 02

  So you could call them all you want.

• 33:11Caleb Hammer?

  We'll just drone them instead.

• 33:15Caleb Hammer?

  No, we make jokes. No.

• 33:17Speaker 01

  So that's why I'm saying it's only been two months.

• 33:20Caleb Hammer?

  I'm sorry to hear that your mother passed away, by the way.

• 33:22Speaker 01

  Since we've taken over.

• 33:23Speaker 02

  Yeah, she was in charge of paying all of our bills for us.

• 33:25Caleb Hammer?

  So that's why it's top two months.

• 33:26Speaker 02

  Yeah.

• 33:27Caleb Hammer?

  Okay.

• 33:27Speaker 02

  I didn't even know that was that much money.

• 33:31Speaker 01

  So all of it was that much money. We just gave her a flat

• 33:36Caleb Hammer?

  I'm being told we're gonna call your sister cuz your sister's living off you guys milking off of you cuz she was milking off a mom. Now mom's not there. Now she's milking off of you guys, which doesn't even, I mean, I don't even know if that's your. Yeah, sure. She might be like a bitch sister or something, but you guys are your own lives regardless, even without her. You guys are just destroying it by spending more and more money. You guys are afraid to confront her to get her out of the house? Why are we afraid? How can you be afraid?

• 33:59Speaker 02

  Uh, she used to beat me up when I was little, so.

• 34:03Caleb Hammer?

  Well, you're certainly not little. I'll tell you that.

• 34:06Speaker 01

  Hey.

• 34:06Caleb Hammer?

  Fight back.

• 34:07Speaker 01

  Hey.

• 34:07Caleb Hammer?

  What?

• 34:08Speaker 01

  That's, that's mean.

• 34:10Caleb Hammer?

  Yes, you're on financial audit.

• 34:12Speaker 01

  Okay, but talking about somebody's weight is rude.

• 34:17Caleb Hammer?

  Did you not watch the 15 minute onboarding video where I said, I'm gonna make fun of your weight, and if you don't like that, tell me.

• 34:22Speaker 01

  Oh, yeah, I did.

• 34:23Caleb Hammer?

  Oh, that's weird. Okay. So you're not tiny anymore. Hit back.

• 34:28Speaker 02

  No, it's, it's not worth the headache. She'll stop talking to me for a while.

• 34:34Caleb Hammer?

  Good, right? Isn't that what we want to get her out of the house?

• 34:37Speaker 01

  No, just because she stops talking doesn't mean that she's gonna get out of the house.

• 34:42Caleb Hammer?

  Okay, who owns the, you, do you own the house?

• 34:46Speaker 02

  It is our health.

• 34:47Caleb Hammer?

  No, do you own the house?

• 34:49Speaker 02

  Like, is it in our name?

• 34:50Caleb Hammer?

  Oh, yes, yes, yes! Who owns the house? Good death, third time.

• 34:56Speaker 02

  My grandma.

• 34:56Speaker 01

  Her grandma.

• 34:57Speaker 02

  Stiles.

• 34:57Caleb Hammer?

  Okay.

• 35:00Caleb Hammer?

  Grandmother's perspective on this, then?

• 35:02Speaker 02

  She's not alive.

• 35:03Speaker 01

  She's dead.

• 35:05Caleb Hammer?

  Who'd the title get passed to?

• 35:06Speaker 02

  My mom.

• 35:08Caleb Hammer?

  Then who'd the title get passed to?

• 35:09Speaker 02

  Me, but not yet cuz it just happened in March.

• 35:12Caleb Hammer?

  Okay, okay, so once it is your house, take your legal authority and kick her the out. Right? If you, why are you afraid to confront her? I'm so confused. Because she's violent?

• 35:23Speaker 02

  No, it's just, it's not, it's not worth the headache.

• 35:27Caleb Hammer?

  Well, bub, bub, bub, okay, then what's her, what's the problem with her being there? If that's not worth the headache, then the headache of her being there must not be that big.

• 35:35Speaker 01

  She has a dog.

• 35:38Caleb Hammer?

  Wolf, like, okay, welcome to American households.

• 35:42Speaker 01

  Her dog is mean.

• 35:43Caleb Hammer?

  Okay, she has a bad dog.

• 35:44Speaker 01

  Yes.

• 35:46Caleb Hammer?

  That's our big issue for wanting to kick her out?

• 35:49Speaker 02

  Well, she leaves her dog at our house and then she just leaves for days and then comes back.

• 35:56Caleb Hammer?

  And you've brought this topic up?

• 35:58Speaker 01

  Mm hmm.

• 35:59Speaker 02

  Mm hmm.

• 36:00Speaker 01

  We brought it up to her.

• 36:02Speaker 02

  She does her own thing.

• 36:03Speaker 01

  Walked away.

• 36:04Caleb Hammer?

  Okay, then, yeah, so you'll kick her out?

• 36:07Speaker 01

  Then she won't talk to us.

• 36:09Caleb Hammer?

  Okay, then kick her out. You're living with a child.

• 36:11Speaker 01

  She doesn't talk to us.

• 36:12Caleb Hammer?

  Cause you'll evict her. You own the house.

• 36:15Speaker 01

  We don't own the house.

• 36:17Caleb Hammer?

  No, yes, she does.

• 36:18Speaker 02

  Not yet.

• 36:19Caleb Hammer?

  But she's about to.

• 36:20Speaker 01

  Don't.

• 36:20Caleb Hammer?

  She's about to. I'm saying when she gets it.

• 36:23Speaker 01

  About to is gonna take more than.

• 36:26Speaker 02

  A year.

• 36:27Caleb Hammer?

  It's gonna take a year to get the title? Two years? Why? Is someone challenging?

• 36:30Speaker 02

  My uncle's the executor of the house.

• 36:33Caleb Hammer?

  And?

• 36:33Speaker 02

  He's in prison.

• 36:35Caleb Hammer?

  What's wrong with your family?

• 36:40Speaker 01

  Never said our family was perfect.

• 36:43Caleb Hammer?

  Okay, but you wanna move into a new house anyway, so I don't even understand the purpose here.

• 36:46Speaker 01

  I do.

• 36:47Speaker 02

  We are not gonna do that.

• 36:49Speaker 01

  Why?

• 36:50Speaker 02

  Because our house, our house.

• 36:53Speaker 01

  You've been in that house, that family household for.

• 36:57Speaker 02

  How are we even gonna get a new house?

• 37:00Speaker 01

  Your whole life. You sell that house that we're currently in, you sell it.

• 37:06Caleb Hammer?

  How? The uncle's in prison.

• 37:08Speaker 01

  Well, is he gonna be in prison forever?

• 37:11Caleb Hammer?

  You made it basically sound like it would take two years.

• 37:14Speaker 01

  I mean, yeah.

• 37:14Caleb Hammer?

  So she can't sell, so you can't sell the house for two years?

• 37:18Speaker 01

  She could rent it?

• 37:19Caleb Hammer?

  Can she?

• 37:21Speaker 01

  Can you?

• 37:22Caleb Hammer?

  Can't get the sister out?

• 37:25Speaker 02

  She'll come with the house.

• 37:27Speaker 01

  You don't have a roommate.

• 37:29Caleb Hammer?

  Okay, it's not a real answer. So it's not a real solution to your issue. You wanna move.

• 37:34Speaker 01

  Yeah, I want to move.

• 37:36Caleb Hammer?

  Why are you against this? I guess this, I'm being told this is one of your guys' biggest disagreements.

• 37:41Speaker 02

  This is our biggest disagreement.

• 37:42Caleb Hammer?

  What's the issue? What, what, see, what's, what are you advocating for?

• 37:45Speaker 01

  I wanna move. Okay, we got married. We have a kid. Why not move into a house that is ours, that we can call ours?

• 37:54Speaker 02

  That is our house.

• 37:54Speaker 01

  Not a childhood home. I moved out of my childhood home. Why wouldn't you want to move out of yours?

• 38:02Speaker 02

  The house is almost paid off. The house is almost paid off. We, it's a four bedroom, four bathroom house. And we only pay twelve hundred.

• 38:13Speaker 02

  And we live in the suburbs, so.

• 38:15Caleb Hammer?

  Okay, well, you'll still live in the suburbs, probably. Cause it's really all Dallas is.

• 38:20Speaker 01

  What if I don't wanna live in Dallas?

• 38:22Speaker 02

  She wants to move to Pennsylvania.

• 38:24Speaker 01

  I wanna move somewhere closer to my family.

• 38:29Caleb Hammer?

  Do you want to?

• 38:30Speaker 01

  Hmm, no.

• 38:32Caleb Hammer?

  Okay, then obviously, we're gonna have a problem. And also, who knows that the opportunities are as good as wherever you are gonna be in Pennsylvania. Where in Pennsylvania?

• 38:40Speaker 01

  It's probably not, but it doesn't have to be in Pennsylvania.

• 38:44Caleb Hammer?

  Then where? Okay, Philly has opportunities.

• 38:47Speaker 01

  Yeah, but it doesn't, no, she's not gonna feel comfortable enough to live over there.

• 38:52Caleb Hammer?

  What? Why?

• 38:56Speaker 02

  I don't know anybody over there.

• 38:57Caleb Hammer?

  No, that's moving. It happens.

• 39:02Speaker 01

  Yeah, but it's like

• 39:07Speaker 01

  she'll never feel comfortable enough around like my side of the family.

• 39:13Caleb Hammer?

  How are we coming to any kind of agreement on this topic then? We wanna move, we wanna move somewhere else. No, we're not gonna move. The mortgage payment, I mean, that's a decent argument, and I do get that, but you can still sell the house. You can still sell the house, and then you can walk away with that massive equity position.

• 39:29Speaker 02

  I wouldn't get the whole, the whole amount of the house.

• 39:31Caleb Hammer?

  It's not just you on the title, who would?

• 39:33Speaker 02

  No, it, it does go to me, but my mom said that if the house, yeah.

• 39:40Caleb Hammer?

  Said?

• 39:41Speaker 02

  Yes, said.

• 39:42Caleb Hammer?

  Said might not be enough. You might get the full amount.

• 39:44Speaker 02

  I know, but I'm a pretty honest person, so. She said, if, if the house ever gets sold, I gotta split it between my brother and my sister.

• 39:52Caleb Hammer?

  Okay, but they don't get equal rights to the house before selling?

• 39:56Speaker 02

  We would get a bigger portion, and they know that.

• 39:59Caleb Hammer?

  Then that's not equal splitting.

• 40:01Speaker 02

  Well, they know I'm paying on it and have been paying on it, so.

• 40:05Caleb Hammer?

  How long?

• 40:06Speaker 02

  Uh, two years.

• 40:08Caleb Hammer?

  Oh, your mother wasn't?

• 40:09Speaker 02

  Uh-uh.

• 40:10Speaker 01

  We would send her mom money.

• 40:12Caleb Hammer?

  How much were you guys giving her?

• 40:14Speaker 02

  We gave her two thousand dollars a week.

• 40:16Caleb Hammer?

  A week?

• 40:17Speaker 02

  Yeah.

• 40:18Caleb Hammer?

  What?

• 40:19Speaker 02

  To pay all of our bills and.

• 40:21Caleb Hammer?

  Oh, wait, she was paying y'all's credit cards?

• 40:23Speaker 02

  Yeah.

• 40:24Caleb Hammer?

  Whoa, you guys are actual children. Why do you guys think you are in the place to bring one into this world?

• 40:28Speaker 01

  Electricity.

• 40:29Caleb Hammer?

  No, no, no, just like credit cards and basic shit. Not knowing that shit at thirty-two? And you're bringing a kid into the picture? Wait, you didn't even know, because you only started doing it for two months.

• 40:40Speaker 01

  Our second month.

• 40:41Caleb Hammer?

  Second month, I got that part, but you are seven months pregnant. In what fucking world did you guys think you were ready to bring in a child into this world? What the irresponsible selfish behavior mindset is that? You wouldn't even know. You weren't paying them. Your mother was.

• 40:56Speaker 01

  But they were still being paid.

• 40:57Caleb Hammer?

  No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be parents?

• 41:03Speaker 01

  Paying the house.

• 41:04Caleb Hammer?

  Your mom was. Are you not able to understand this? Are you that much of a moron?

• 41:10Speaker 01

  It's our money paying all the house.

• 41:12Caleb Hammer?

  We're not doing it. You couldn't, can you even tell me how much, so two thousand dollars a week? And how much of those went to actual bills that were your own?

• 41:18Speaker 02

  Who knows?

• 41:19Caleb Hammer?

  See, then you can't tell me. Liars. Expenses are five thousand hours a month. You guys found out on your own, I'm being told. But two thousand hours a week being taken from mom, where'd that go? Eight thousand hours a month? Where'd that go if it was only five thousand hours of expenses? No, but it's only five thousand in expenses a month is what you guys have found out. Where the additional three?

• 41:38Speaker 02

  We went on a lot of vacations.

• 41:40Caleb Hammer?

  But so your mom would pay for them, so your mom had the savings?

• 41:44Speaker 01

  Yeah.

• 41:44Caleb Hammer?

  What? So your mom was putting it into savings for you. Why the did your mom think this was a good way to live?

• 41:51Speaker 01

  It worked.

• 41:51Caleb Hammer?

  No, it did it work?

• 41:53Speaker 01

  It did.

• 41:54Caleb Hammer?

  Okay, total savings, four hundred and sixty dollars. No, it didn't work. Where'd the extra three thousand a month go for years?

• 42:02Speaker 02

  It went to.

• 42:03Speaker 01

  Vacation.

• 42:04Speaker 02

  Vacation.

• 42:04Caleb Hammer?

  You took three thousand hours a month vacations every single month.

• 42:08Speaker 02

  It went to.

• 42:09Caleb Hammer?

  So every two months, you guys were doing a great grand European vacation. Because that's what that could do every two months.

• 42:16Speaker 01

  No.

• 42:17Caleb Hammer?

  Then what the are we talking about?

• 42:18Speaker 02

  Well, we did have a lot of arguments with her of why we're paying so much.

• 42:22Caleb Hammer?

  Yeah, and she said.

• 42:25Speaker 02

  What did she say?

• 42:26Speaker 01

  I don't remember what she said, but-

• 42:27Caleb Hammer?

  What? And you guys just allowed it and continued? What the fuck are we doing?

• 42:30Speaker 02

  I think we lowered the amount we gave her.

• 42:33Caleb Hammer?

  Two?

• 42:34Speaker 02

  But that was only-

• 42:35Speaker 01

  One thousand-

• 42:37Speaker 02

  Five hundred each. No, each, no, for the one thousand five hundred a week. Yeah.

• 42:43Speaker 03

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• 43:13Caleb Hammer?

  Well, that would make up for... Oh, I know, I don't know. Yeah, it would still be a thousand more than your bills, though. I'm like, where would that go? They didn't go to save you, you have 400 bucks.

• 43:23Speaker 02

  She probably gave some money to my brother.

• 43:25Caleb Hammer?

  Oh, nice little redistribution from y'alls.

• 43:27Speaker 01

  Brother.

• 43:29Speaker 02

  Brother and sister.

• 43:30Caleb Hammer?

  Money got taken from you, given to your brother.

• 43:32Speaker 02

  And also, we were, we were paying for her doctor's visits and stuff.

• 43:36Caleb Hammer?

  Well, that's fine, but you should be able to-

• 43:38Speaker 01

  And her insurance.

• 43:39Caleb Hammer?

  You should be able to allocate how much money you want to be providing to that yourself.

• 43:43Speaker 02

  We told her to retire and we would-

• 43:46Speaker 01

  Take care of her.

• 43:47Speaker 02

  Take care of her.

• 43:47Caleb Hammer?

  Right, but she's taking the money without you guys designating. How much money do you want to give?

• 43:52Speaker 01

  Why would we designate where the heck the money go?

• 43:55Caleb Hammer?

  Because it's your money, you can choose how much money you give. But you had zero insight, you're giving 8,000 for 5,000. You had no idea where money was going, she was just blowing it. And now you guys have zero life skills to be able to actually manage it. Huh?

• 44:08Speaker 01

  I'm not good at math, so I wouldn't know how much is left to do all that.

• 44:11Caleb Hammer?

  I can tell, I'm actually very nervous that you are on the road.

• 44:15Speaker 01

  Do I have to do math on the road?

• 44:17Speaker 02

  She's not a good driver either.

• 44:18Caleb Hammer?

  Your brain is broken. Exactly. One, you're a woman.

• 44:21Speaker 01

  Women can drive.

• 44:23Caleb Hammer?

  Can I?

• 44:24Speaker 02

  Can you drive a semi?

• 44:25Caleb Hammer?

  No.

• 44:26Speaker 01

  Exactly.

• 44:27Caleb Hammer?

  But I'm a pussy.

• 44:29Speaker 01

  Well, nobody told you to be that.

• 44:32Caleb Hammer?

  No, just a human. Oh, I'm kidding. We love women drivers here. We love women drivers here. Better than immigrant drivers.

• 44:40Speaker 01

  Do you?

• 44:41Caleb Hammer?

  Yes.

• 44:42Speaker 01

  What's wrong with them?

• 44:44Caleb Hammer?

  Who?

• 44:45Speaker 01

  Immigrant drivers.

• 44:46Caleb Hammer?

  Well, do I what? I didn't say anything that would respond.

• 44:49Speaker 01

  You said that you love women drivers rather than immigrant drivers.

• 44:54Caleb Hammer?

  Well, first, that was a joke. That's why I looked at the camera, like Jim from The Office, but also two.

• 44:58Speaker 01

  I got it.

• 44:59Caleb Hammer?

  I mean, yes, there have been actual documented issues.

• 45:01Speaker 01

  I didn't catch the joke.

• 45:03Caleb Hammer?

  Yes, that's why I said I'm concerned of your brain being on the road behind a multi-ton vehicle.

• 45:08Speaker 01

  This brain is working.

• 45:10Caleb Hammer?

  When and where, we have not found out.

• 45:14Speaker 02

  Our truck goes 75.

• 45:16Caleb Hammer?

  Even scarier.

• 45:19Caleb Hammer?

  What's the financial score of this household? Zero to 10, zero being the worst, 10 being the best.

• 45:24Speaker 02

  I think we're at a solid four.

• 45:25Speaker 01

  Four.

• 45:26Caleb Hammer?

  Oh, we agreed on it.

• 45:27Speaker 01

  Hmm? We agree on things?

• 45:29Speaker 02

  We could agree on a lot of things.

• 45:31Caleb Hammer?

  Good. Glad to hear it.

• 45:33Speaker 01

  Would you agree that ours is a four?

• 45:35Caleb Hammer?

  I don't know your finances yet. I wanted to get the baseline, understand what happens in this household. Now I'm gonna go into the portion of the show that you signed up to be on where I go through the documents and then I'll tell you your score in the end.

• 45:45Speaker 01

  Great.

• 45:46Caleb Hammer?

  Okay. And if you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45 minutes to get yours like they do. But you can get yours at CalebHammer.com. Take the assessment, takes a few minutes, see where you stand in the world of finances, where you're doing bad, where you're doing great. Again, it is free at CalebHammer.com. And if you do not want to be like them, where they're just figuring shit out now for the first time in their lives, download the Dollar Wise Budgeting app. That's what you guys should be using. Get your free trial, see if it works for you. Most people take the annual version because it saves a lot of money. And when you do, you get the digital version of my cookbook and my 30-day detailed budget meal plan where you can meal plan every single snack, drink, meal, everything on a $300 person budget. It is awesome. We verify it each quarter to make sure it's sticking with that budget. We'll raise it when we need to. I'll sign it, mail it directly to you.

• 46:31Caleb Hammer?

  This is what you need to change your food life, change your budget. Download Dollar Wise. Tens of thousands of monthly active users for a reason. Check it out.

• 46:38Speaker 01

  Is it signed?

• 46:40Caleb Hammer?

  No.

• 46:41Speaker 01

  I thought you just said you'll sign it for me.

• 46:43Caleb Hammer?

  You decided for the annual Dollar Wise?

• 46:47Caleb Hammer?

  She missed that part.

• 46:48Speaker 01

  Looks good.

• 46:48Caleb Hammer?

  DollarWise.com, link in the description below. Let's get into this. Who has the quicksilver? Do we even know who has the quicksilver yet?

• 46:56Speaker 02

  It's both of us.

• 46:56Caleb Hammer?

  You're both on it?

• 46:58Speaker 02

  We're not on it.

• 46:59Speaker 01

  We're not on it at all.

• 47:01Speaker 02

  It's my dad's card, but we use it.

• 47:03Caleb Hammer?

  Oh, okay, then what's the?

• 47:05Speaker 01

  I have it in my wallet.

• 47:07Caleb Hammer?

  Your dad's card?

• 47:08Speaker 02

  Yeah.

• 47:09Caleb Hammer?

  Mr. Mexico?

• 47:11Speaker 02

  He has.

• 47:12Caleb Hammer?

  Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise Annual, you'll get my four-course educational bundle as a special bonus. So you can get financially ripped while you track your money. And normally this would cost over $700, by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four bestselling courses. Oh, and you'll also get a free copy of my budget-friendly cookbook PDF to download. So you can also get your body in shape, too.

• 47:54Caleb Hammer?

  Don't wait until your first vacation to try to get your finances together. Go to DollarWise.com or click that link in the description below.

• 48:03Caleb Hammer?

  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 $200 in bonus cash 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 Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below.

• 48:31Speaker 02

  He has good credit.

• 48:32Speaker 01

  He has great credit.

• 48:36Speaker 02

  He does.

• 48:37Caleb Hammer?

  On a card that is maxed out over a thousand dollars? And it's his card, I don't think he has great credit.

• 48:42Speaker 02

  He never even touched it.

• 48:44Caleb Hammer?

  Doesn't matter.

• 48:45Speaker 02

  He doesn't even know about it.

• 48:46Caleb Hammer?

  You guys are, oh my gosh, you guys are pathetically. No, no, no, no, I'm sorry, I'm sorry, I have to pause. You guys are actually morons if that's how you think this works. Just because he doesn't know about it, or he doesn't use it, doesn't mean it being maxed out over a thousand dollars over the max, doesn't impact his credit when this is his credit card. Are you guys that pathetically stupid? I have to ask, I have to ask. I know I'm being mean right now, but I have to ask. In no way in this world do you guys think just because he is not the one swiping, that it is not impacting his credit? When it is his credit card? Please tell me you understand that.

• 49:22Speaker 02

  That's why we're paying it off.

• 49:23Caleb Hammer?

  No, you are not. You dumb, you dumb. I'm so sorry, I'm so sorry, I'm being so mean. No, you are not, you are not!

• 49:32Speaker 01

  We are paying it off.

• 49:34Caleb Hammer?

  You put a thousand bucks away, you spent three, you f***ed it. Dude, you have a credit limit of 7,000 on it. You owe eight. Paying it off? Go f*** yourself paying it off. You've never heard, hey, child in there, your mother's f***. Have you guys ever heard of what paying it off is? You spent triple, triple of what you even put towards that paying it off. What are you talking about? It's a thousand dollars over the f*** limit paying it off. What paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff, I don't see it. What are you talking about payoff? You're trying to trickery me. You're a f*** dumbass. How can you tell me you're paying, where's the payoff?

• 50:19Speaker 01

  It pays off. You pay, you pay, look, okay. You pay as much as you need for the bills that month.

• 50:29Speaker 02

  No, no, no, no.

• 50:34Speaker 02

  That's why the payment never shows because it was a thousand dollars over. I thought the limit was eight hundred, eight thousand.

• 50:44Caleb Hammer?

  Just look at it. Just look at it one time. You went down at seven.

• 50:49Speaker 01

  It doesn't show up.

• 50:51Caleb Hammer?

  What the f**k it literally does.

• 50:52Speaker 01

  No, it literally does not show up. It does not show up.

• 50:57Caleb Hammer?

  You sent me this, meaning you have access to this. You f**k.

• 51:00Speaker 01

  Hey, I did not send you that.

• 51:02Caleb Hammer?

  Who did? Papa? Papa in Mexico?

• 51:06Speaker 02

  No, I sent it.

• 51:07Caleb Hammer?

  Then you can look at it.

• 51:09Speaker 02

  I didn't look at it.

• 51:10Caleb Hammer?

  But you can. You can. I know it's not a f**k basket of fried chicken or whatever the f**k you love. You can still look at it.

• 51:21Speaker 01

  I don't think I've ever looked at one of those.

• 51:22Caleb Hammer?

  You're f**k and I don't expect you to do anything, but you at least.

• 51:29Speaker 02

  Yeah, I just found out about that card two months ago.

• 51:33Caleb Hammer?

  You're the one swiping on it. How'd you just find out on it?

• 51:36Speaker 01

  I swipe on it. It's in my wallet.

• 51:41Speaker 01

  And I just tell her, hey, it's over the limit. Can we pay this?

• 51:47Caleb Hammer?

  Bro, you don't even have a checking account. You're thirty one and you don't have a checking account. Why the f**k do you have access to this credit card?

• 51:54Speaker 01

  I have access to all credit cards. They're in my wallet.

• 52:02Caleb Hammer?

  What do I do here? This, I'm sorry. This kid's f**k.

• 52:07Caleb Hammer?

  Can we just be candid here? This kid's f**k. With your not understanding of credit limits or looking at accounts or you having access to cards, you don't even have a checking account. You don't have a plan to save your f**k life. Uncle who controls everything's in jail and you're spending three thousand worth putting a thousand couple hundred towards it. And you didn't look at it once.

• 52:30Speaker 01

  We're learning. Yeah, it's a learning process.

• 52:32Caleb Hammer?

  You're learning. You're learning. You're thirty two. You're thirty two. At thirty two, you could learn about investing in mortgages, but you're thirty two. We don't. At thirty two, we don't learn about opening a f**k checking account.

• 52:46Speaker 02

  We never had to learn before.

• 52:48Caleb Hammer?

  That's what I'm saying is the problem. Don't bring in a kid yet.

• 52:52Speaker 01

  A little too late for that.

• 52:55Caleb Hammer?

  Is it? Go to Colorado.

• 52:59Speaker 01

  No, you can't do that.

• 53:00Caleb Hammer?

  Okay, I wasn't advocating for it anyway. I'm just saying you guys are.

• 53:04Speaker 02

  You're scaring him a little, he's kicking.

• 53:07Caleb Hammer?

  He's gonna need to kick a lot harder to end it. I'm sorry. He's just, he's.

• 53:13Speaker 01

  It's learning. You learn. Like I said, you roll with the punches.

• 53:17Caleb Hammer?

  You don't have a checking account at thirty one.

• 53:21Speaker 01

  I'm here for.

• 53:23Caleb Hammer?

  Exactly, so your kid's.

• 53:25Speaker 01

  No, I'll grow up.

• 53:28Caleb Hammer?

  Why haven't you then?

• 53:29Speaker 02

  We didn't have to.

• 53:30Speaker 01

  Yeah, didn't have to.

• 53:31Speaker 02

  There was no need.

• 53:32Caleb Hammer?

  Why were we impregnating ourselves? Well, you're still getting taken care of. Cause you're grand. Died two months ago. You got impregnated seven months ago.

• 53:45Speaker 01

  Everything was taken care of. That's why. Why, why else? We had a roof, we had all the bills covered. We gave the money that needed to pay for bills and then some. It was taken care of.

• 54:03Speaker 02

  Yeah, we have, we have the financials for a kid.

• 54:08Caleb Hammer?

  You're over the limit on this. You have the financials.

• 54:11Speaker 02

  Yeah, but how much, how much extra money do we make that you were just talking about?

• 54:16Caleb Hammer?

  That's a great question. Well, here's the answer to that question. You brought in six thousand three hundred sixty seven last month. I don't know how, maybe hours were caught you spent.

• 54:25Speaker 02

  And I didn't even work last month.

• 54:27Caleb Hammer?

  Well, that's why. Your income was half. And I didn't even. That's what I just said.

• 54:35Speaker 02

  Hey, that was me.

• 54:36Speaker 01

  I brought that in.

• 54:37Speaker 02

  Yeah, you brought that in.

• 54:40Caleb Hammer?

  You guys are so stupid.

• 54:45Caleb Hammer?

  Yes, I just said you made half income. Why didn't you even work last month? Yeah, no shit. You spent, you spent, hey, look at that. You spent eleven thousand. I don't care who brought it in. What is the matter? Who brought it in? Why do you guys think that was a relevant part of this conversation? I'm just telling you.

• 55:04Speaker 01

  Because I don't even have a bank account and I brought in the money. And I have all these ideas. For a new job and I still brought in that. Look at that.

• 55:16Speaker 02

  I'm doing something right here. I am capable of having a kid.

• 55:22Caleb Hammer?

  Oh. You spent ten. You spent eleven. You spent eleven. Eleven was spent. So telling me your financials are good, is that what you said? Your financials are good? How much money do we have left extra? What do you mean left extra?

• 55:36Speaker 02

  That was just last month. That was a bad month.

• 55:39Caleb Hammer?

  Oh, it's always conveniently a bad month, the month that I have the statements for. How does that work? Shut the up. Bad months, there's a bad month every month. That's how months.

• 55:46Speaker 02

  I told you, we, we went into a situation two months ago. We got ourselves into a situation.

• 55:52Caleb Hammer?

  Last month.

• 55:53Speaker 02

  Last month.

• 55:54Caleb Hammer?

  Last month, why weren't you working? And even when you weren't, why'd you spend more than you made?

• 56:01Speaker 02

  Well, I was working, but I was, I got forced on leave of absence.

• 56:05Caleb Hammer?

  Even work last month.

• 56:06Speaker 01

  Yes, she got forced.

• 56:07Caleb Hammer?

  Forced by who?

• 56:08Speaker 02

  By the, uh, my trucking job.

• 56:11Caleb Hammer?

  Why, who'd you run over?

• 56:11Speaker 02

  They found out I was pregnant. And they forced me to go on leave of absence.

• 56:16Caleb Hammer?

  What?

• 56:16Speaker 02

  Yeah.

• 56:17Caleb Hammer?

  Makes that make sense?

• 56:18Speaker 02

  Exactly, make that make sense.

• 56:21Caleb Hammer?

  Uh.

• 56:22Speaker 02

  I'm pretty sure it's illegal to do. And technically, I still work for that company and I'm still on leave of absence.

• 56:29Caleb Hammer?

  Okay, so this is your dad's, but okay, who's making the minimum payments on it?

• 56:33Speaker 02

  We are.

• 56:34Caleb Hammer?

  We, okay, you don't have a check to go, okay. But none of you are authorized.

• 56:39Speaker 01

  I just brought in money last month.

• 56:41Caleb Hammer?

  Proud of you at thirty-one, well done. So who?

• 56:45Speaker 01

  Thank you.

• 56:46Caleb Hammer?

  Are you guys on this? Authorized users?

• 56:49Speaker 02

  No.

• 56:49Speaker 01

  No.

• 56:50Caleb Hammer?

  Perhaps nothing, it's not on y'all's credit.

• 56:52Speaker 02

  Uh-uh, no. We just want to pay it off and close it.

• 56:55Caleb Hammer?

  Which is why you spent three thousand after putting a thousand, couple hundred towards it.

• 56:58Speaker 02

  Yeah.

• 56:59Caleb Hammer?

  So really, it's a new strategy.

• 57:01Speaker 02

  The month of March when I had no, no job and stuff.

• 57:04Caleb Hammer?

  That's when you cut spending, dumbass. Dumbass. Dumbass.

• 57:10Speaker 02

  It'll get, it'll get paid off eventually.

• 57:12Caleb Hammer?

  A great strategy. It's interesting how it always defaults to that. It'll happen, not it's happening. Twenty-four years to pay off, you won't be alive and the kid will be out of college.

• 57:22Speaker 01

  Yeah, but he'll have money.

• 57:27Speaker 01

  Well, I have money. He will be A-OK.

• 57:31Caleb Hammer?

  You guys are the dumbest people.

• 57:33Speaker 01

  Uh, who said?

• 57:34Caleb Hammer?

  Me.

• 57:35Speaker 01

  Why?

• 57:36Caleb Hammer?

  You, the way you process information and the things you say-

• 57:41Speaker 01

  It's very nice.

• 57:42Speaker 02

  It's cute.

• 57:43Caleb Hammer?

  It's scary. It's not cute.

• 57:45Speaker 02

  It's cute.

• 57:45Caleb Hammer?

  I'm not attracted to mentally disabled people. That might be a fetish of yours, not of mine.

• 57:51Speaker 01

  I'm not mentally disabled.

• 57:52Speaker 02

  It's a Pennsylvania thing.

• 57:53Caleb Hammer?

  What? No. What, just because their senator can't read?

• 57:57Speaker 01

  I've never even looked at-

• 57:58Caleb Hammer?

  It's because he had a stroke.

• 57:59Speaker 01

  None of this stuff, ever, in my life. And I still don't.

• 58:03Caleb Hammer?

  Great mother. You'll be.

• 58:06Speaker 01

  Well, she's the math person, so...

• 58:10Caleb Hammer?

  Because she's Asian? That's racist.

• 58:15Speaker 02

  Mexican.

• 58:18Speaker 01

  White Mexican. Your toner is running out.

• 58:22Caleb Hammer?

  Okay, so you guys have access to log in?

• 58:26Speaker 01

  Mm-hmm.

• 58:27Caleb Hammer?

  Okay, so we don't send daddy money to pay this?

• 58:30Speaker 02

  No, we just pay it from our account.

• 58:32Caleb Hammer?

  You pay, you swipe, and you [bleep] his credit in the meantime.

• 58:35Speaker 01

  We help with his credit.

• 58:36Caleb Hammer?

  Overmaxed out by a thousand. You are not helping his credit. I promise you that.

• 58:40Speaker 02

  I didn't know that. I should have read that.

• 58:42Caleb Hammer?

  Doesn't matter if you know it or not, you're doing it.

• 58:43Speaker 02

  Ten minutes ago, we found it out.

• 58:45Speaker 01

  Just found that out.

• 58:46Caleb Hammer?

  That's [bleep]. You sent me this statement yourself.

• 58:49Speaker 01

  Don't look at the statement.

• 58:51Caleb Hammer?

  That is equally [bleep].

• 58:52Speaker 02

  Should have looked at it.

• 58:53Caleb Hammer?

  Also, why is it just not in dollarized? You would see it all. It's automated, man. Okay. Okay, okay, okay, okay. Quicksilver.

• 59:01Speaker 01

  Mm-hmm.

• 59:01Caleb Hammer?

  Seven thousand, nine hundred, thirty-four dollars, eighty-nine cents. Minimum monthly payment, two sixty-six. Aggressive, especially if we're about to cut our income in half. Again, you won't be alive when this card's paid off. And the interest that accrues on this is insane. It's almost like two hundred bucks a month.

• 59:21Speaker 02

  Yeah. I know, that's crazy.

• 59:24Caleb Hammer?

  Yeah.

• 59:25Speaker 01

  I don't understand.

• 59:26Speaker 02

  Just pay some extra on it. No, she doesn't understand interest.

• 59:30Caleb Hammer?

  Is that what you're confusing them?

• 59:32Speaker 01

  Yeah.

• 59:33Speaker 02

  It's the... I'll tell you later.

• 59:37Caleb Hammer?

  It's not even like, that's honestly not even the critical part of this. It's just the fact that you're spending and look at this. None of it, none of it is making your life better. It's actually making your life worse. To be clear.

• 59:53Speaker 01

  Ow.

• 59:54Caleb Hammer?

  It's fast food.

• 59:55Speaker 01

  Well, you gotta eat.

• 59:57Caleb Hammer?

  You gotta eat. You don't gotta eat yourself into the grave. Don't you wanna be around for your kid? Don't you wanna make it to his high school graduation?

• 1:00:04Speaker 01

  We're truck drivers. What else are we supposed to eat? There's not a lot of room. We can't just go to the back of the truck and cook food.

• 1:00:12Caleb Hammer?

  Yeah, but you could at least be even stopping more at healthier places. You're not. This is Wendy's and Burger King over and over again.

• 1:00:17Speaker 02

  That's all that's at truck stops.

• 1:00:19Speaker 01

  That's all that truck stops. Have you been to truck stops?

• 1:00:21Caleb Hammer?

  I have been to truck stops.

• 1:00:22Speaker 01

  You wanna say it's the healthiest?

• 1:00:24Caleb Hammer?

  Okay, what are you getting there?

• 1:00:26Speaker 02

  It says it right there.

• 1:00:27Caleb Hammer?

  No, it does not say what your Wendy's order is.

• 1:00:30Speaker 01

  Oh.

• 1:00:31Caleb Hammer?

  What's your classic Wendy's order?

• 1:00:33Speaker 01

  Biggie bag.

• 1:00:34Caleb Hammer?

  What comes in the biggie bag?

• 1:00:36Speaker 01

  Junior bacon cheeseburger.

• 1:00:38Caleb Hammer?

  Okay, well, there you go. You're not getting a salad.

• 1:00:41Speaker 01

  Ew. Who gets a salad? You need like the greasy food to keep you up, to keep you driving.

• 1:00:45Caleb Hammer?

  Well, that's gonna make sure she doesn't make it to high school graduation again.

• 1:00:50Speaker 01

  She already went through high school.

• 1:00:52Caleb Hammer?

  Oh, she's a moron. The, the, the, the, I know you're, but the thing is, people like her don't make it to mid 50s.

• 1:01:03Speaker 02

  Calling me fat again.

• 1:01:05Caleb Hammer?

  I'm not calling you fat. You are fat.

• 1:01:07Speaker 01

  She's pregnant. She's not fat.

• 1:01:09Speaker 02

  Can't, can't, can't say that.

• 1:01:13Speaker 02

  Anyways, I got this way being a trucker.

• 1:01:16Caleb Hammer?

  Well, she's a trucker too. I've seen other truckers. In fact, my uncle's a trucker, not more of a obese.

• 1:01:21Speaker 02

  Yeah, she plays sports.

• 1:01:22Caleb Hammer?

  Maybe you should play sports then. It's not you being a trucker, it's you not playing sports. The thing is, listen, why is it, people ask, why, why is that a part of the financial conversation? One, there's three, there's three things. One, bringing a kid into the world. Can't change the fact that you're more obese now, but that does increase complications. Two, I want you to be to his high school graduation. At this trajectory, you're not. Three, it's expensive, the lifestyle you're maintaining.

• 1:01:45Speaker 01

  But she eats healthy.

• 1:01:47Caleb Hammer?

  A biggie meal is not.

• 1:01:48Speaker 01

  That's my order. You didn't ask her order.

• 1:01:51Caleb Hammer?

  She's not eating healthy. You don't maintain that.

• 1:01:53Speaker 01

  You don't know that.

• 1:01:54Caleb Hammer?

  Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic math. I'm sorry, it just is. Might be eating healthy, but it's a substantial amount.

• 1:02:03Speaker 01

  So you want her to eat salads?

• 1:02:07Caleb Hammer?

  I don't know. It's a start. And the point is, number four, if you're gonna do the immense amount of sacrifices that is required to pay off this debt, what is the point if you won't be around to even enjoy the benefits? So there's lots of reason we bring up weight on this show. And five, let's add a fifth one to it as well. If you are healthy or more in shape, you have more energy to make more money to pay off debt quicker. That is a basic reality.

• 1:02:32Speaker 01

  But you need money to pay off debt.

• 1:02:35Caleb Hammer?

  That's what I just said.

• 1:02:35Speaker 01

  That has nothing to do with health.

• 1:02:37Caleb Hammer?

  Yes, usually healthy people have more energy to work more, to make more money to pay off debt quicker.

• 1:02:42Speaker 01

  But we have a set route, so.

• 1:02:44Caleb Hammer?

  You guys do well. You guys do well financially, but that is an additional argument that could be done. And you have days off, that's more jobs.

• 1:02:53Caleb Hammer?

  Okay, it's in-app purchases, it's Burger King, Microsoft Payment, Wendy's, Wendy's, paying for a U-Haul, Smoothie King, which is not healthy, by the way.

• 1:03:06Caleb Hammer?

  Sugar.

• 1:03:08Caleb Hammer?

  Each of those is like 600 calories. It's brutal. They are delicious.

• 1:03:12Speaker 01

  They got fruit in them. I get a strawberry banana smoothie.

• 1:03:18Speaker 01

  I don't see them putting in sugar.

• 1:03:20Caleb Hammer?

  You don't see it, but it is.

• 1:03:22Speaker 01

  You watch them make it.

• 1:03:25Caleb Hammer?

  They put sugar in it, dude.

• 1:03:28Speaker 01

  Just saying.

• 1:03:30Caleb Hammer?

  Timo, Timo, what are we Timoing?

• 1:03:32Speaker 01

  Baby stuff.

• 1:03:33Caleb Hammer?

  Well, you basically Timoed the baby himself, so.

• 1:03:36Speaker 01

  Yeah.

• 1:03:38Caleb Hammer?

  Guess we may as well keep that up. Going and getting some bullshit. This U-Haul Lone Star Boat thing, again.

• 1:03:45Speaker 01

  U-Haul, we help.

• 1:03:48Speaker 01

  I said, your sister?

• 1:03:50Caleb Hammer?

  Twice?

• 1:03:50Speaker 01

  Oh, we paid for her U-Haul?

• 1:03:51Caleb Hammer?

  Timo, Timo, Uber membership. Thank goodness. Timo, Timo. Okay, we're Timoing a lot. You guys are crazy.

• 1:03:59Speaker 01

  We love Timo.

• 1:04:00Caleb Hammer?

  I know, you're Asian. You went and you got some bullshit again. What's this? Fru-Lottie?

• 1:04:06Speaker 01

  Fru-Lottie?

• 1:04:08Caleb Hammer?

  Fru Lotti.

• 1:04:10Speaker 01

  No idea.

• 1:04:11Caleb Hammer?

  Great, wonderful, incredible.

• 1:04:12Speaker 01

  How much is it?

• 1:04:13Caleb Hammer?

  Twenty-eight dollars, seventy-one cents. Olive Garden, real healthy. Fru Lotti again. Fru Lotti.

• 1:04:22Speaker 01

  Never heard of it.

• 1:04:23Caleb Hammer?

  Good death. Well, someone's doing it multiple times. Uh, yeah, driving things that makes sense. Into it. Who the f*** are you paying for into it? Doesn't make sense. Cause you're not independent contractors, so I don't get it. Play Pass. Some in-app Play Pass thing. Cube Smart, so we have a storage unit for eighty-two dollars?

• 1:04:39Speaker 01

  We have two.

• 1:04:40Caleb Hammer?

  Why? Get rid of it. Doesn't matter. Sell everything.

• 1:04:44Speaker 01

  It's my sister's apartment, isn't it?

• 1:04:48Caleb Hammer?

  Why are you paying for it?

• 1:04:49Speaker 01

  Because...

• 1:04:51Caleb Hammer?

  Stop.

• 1:04:52Speaker 01

  She's...

• 1:04:52Caleb Hammer?

  Stop.

• 1:04:53Speaker 01

  She can't.

• 1:04:53Caleb Hammer?

  Stop. Well, she needs to get a job and she'll figure it out.

• 1:04:55Speaker 01

  She has a job.

• 1:04:56Caleb Hammer?

  Then she can.

• 1:04:58Speaker 01

  No.

• 1:04:59Caleb Hammer?

  Yes.

• 1:05:01Speaker 01

  She can't.

• 1:05:02Caleb Hammer?

  Yeah, she can. Why can't she?

• 1:05:06Speaker 01

  Tell them.

• 1:05:07Caleb Hammer?

  What? Tell me?

• 1:05:09Speaker 01

  She'd rather go out and spend her money.

• 1:05:12Caleb Hammer?

  You don't understand what can't is. She can. And you are enabling her, just like your parents have enabled you guys. And that's why you guys are f***ed today. Bank of America credit card, okay. Uh... Well, this one...

• 1:05:25Speaker 01

  Well, that's good.

• 1:05:26Caleb Hammer?

  Was paid off, but it's not anymore. Now it's maxed out again. Okay, so who, who, who is this?

• 1:05:32Speaker 01

  It's both of ours.

• 1:05:33Caleb Hammer?

  Are you guys actually on it?

• 1:05:34Speaker 01

  Yeah, it's mine.

• 1:05:36Caleb Hammer?

  So it's yours? So it's not hers? Her credit is not on it?

• 1:05:41Speaker 01

  No.

• 1:05:41Caleb Hammer?

  Okay, so it is Jessica's. Very good. Two-hundred-eighty-eight dollars, twenty-five cents. Thirteen months to pay off, twenty-five dollars a month.

• 1:05:53Caleb Hammer?

  You guys are sw... That's funny. That's funny. That's funny. For your lives. Yeah, nice gum smile. Going and getting some bullshit, going and getting some bullshit, going and getting some bullshit. Playstation, going and getting some bullshit. Lost jalapenos, there's the Mexican in you. Sixty-six dollars there. Playstation, McDonald's, Little Caesars, going and getting some bullshit. What are you going and getting some bullshit at Seven-Eleven?

• 1:06:17Speaker 01

  Gatorade, energy drinks, water. We live down the street from it.

• 1:06:21Caleb Hammer?

  Oh, very good. Buy a box.

• 1:06:23Speaker 01

  Pizza?

• 1:06:24Caleb Hammer?

  There you go. Gamer Subs, well done. That is your energy drink that you'll be making on the road, you'll be making at home. It is forty cents a serving with my 10% off discount code, Caleb. Link in the description below. Just go to gamersubs.gg, get free samples of different flavors, figure out what flavors are your favorite, then order those. It's forty cents a serving. You're making your energy drinks at home and on the road, just like you would make your coffee. It is much more affordable that way than stopping in and getting a $4 one like you did there. Bullshit McDonald's. Leia Do Right? Leia? L I Do Right? L I Do Right?

• 1:07:02Speaker 01

  No idea.

• 1:07:02Caleb Hammer?

  Great. It's a restaurant, it looks like, at nineteen bucks. Fuzzy's, Conco, Carl's, Dunkin', Charles Philly Cheese Stakes. You're killing yourself, you're killing your money, this is embarrassing and you're smiling, you're smiling. This is a joke, you have a child coming in a couple of months and this is a joke to you, you're pathetic. You're pathetic.

• 1:07:20Speaker 01

  No?

• 1:07:20Caleb Hammer?

  You're pathetic, yes.

• 1:07:21Speaker 01

  I gotta eat.

• 1:07:22Caleb Hammer?

  Gotta eat, make a sandwich. Have you learned your gender?

• 1:07:26Speaker 01

  Yeah. Still gotta eat. I don't like eating at home.

• 1:07:30Caleb Hammer?

  You don't have to, make it home. Take it with you.

• 1:07:33Speaker 01

  I am.

• 1:07:33Caleb Hammer?

  You're not!

• 1:07:35Speaker 01

  I do take it home.

• 1:07:37Caleb Hammer?

  Aren't you supposed to be a trad wife? Isn't that what you want to be?

• 1:07:40Speaker 01

  To have to learn how to cook.

• 1:07:42Caleb Hammer?

  Do not know what a trad wife is, I'm sorry, like, I'm not even advocating for trad wifedom, but if that's what you want, that's what it is.

• 1:07:50Speaker 01

  I just wanna stay home, clean the house.

• 1:07:52Caleb Hammer?

  But you wouldn't even do that!

• 1:07:54Speaker 01

  Go out and get some food.

• 1:07:54Caleb Hammer?

  Oh, you're so pathetic.

• 1:07:58Speaker 01

  The vacuum?

• 1:07:59Caleb Hammer?

  The little vacuum? Oh my goodness.

• 1:08:01Speaker 01

  It cleans for us.

• 1:08:03Caleb Hammer?

  It's not cleaning, that's just vacuuming.

• 1:08:06Speaker 01

  Okay.

• 1:08:07Caleb Hammer?

  You gotta clean toilets and shit too, and catch, oh my gosh. You guys are never gonna make it, you guys are never gonna make it. How the [__] did you? Oh, that's why you predatorized her. She was in the truck, she couldn't go anywhere, she couldn't even figure out what the door handle is because she's [__] and then you [__] her. Oh my goodness.

• 1:08:24Speaker 01

  I know what a door handle is.

• 1:08:28Caleb Hammer?

  Wells Fargo.

• 1:08:29Speaker 02

  That's mine.

• 1:08:30Caleb Hammer?

  Oh, good.

• 1:08:32Speaker 01

  Isn't that yours and your sister's? Or just yours?

• 1:08:37Speaker 02

  Yeah, I put my sister's name on it when I was younger.

• 1:08:42Speaker 02

  Because she would deposit stuff into it.

• 1:08:45Caleb Hammer?

  Deposit stuff into it? It's a credit card. You can't deposit stuff into it.

• 1:08:49Speaker 02

  I'm talking about my checking account.

• 1:08:50Caleb Hammer?

  And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com/apply or click that link in the description below. You'll have a great time and I'm gonna roast the [bleep] out of you. Starbucks is bull [bleep] 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. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:09:25Speaker 04

  The number one ranked energy drink is Gamersubs.

• 1:09:28Speaker 05

  Literally, the cherry flavor is insane.

• 1:09:31Caleb 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.

• 1:09:41Speaker 02

  The credit card's just mine.

• 1:09:42Caleb Hammer?

  Okay, well, you only made the minimum on this. No surprise to anyone. Well, it was a couple bucks more than the minimum. Shut the [bleep] up. No, you gotta pay more.

• 1:09:50Speaker 01

  They say make minimum payments.

• 1:09:52Caleb Hammer?

  Who says?

• 1:09:54Speaker 01

  The app.

• 1:09:55Caleb Hammer?

  Yes, that is an option. That is an option. You married an imbecile.

• 1:10:02Speaker 01

  But you gotta make the minimum payment if...

• 1:10:04Speaker 02

  She's not in charge of the financials. She just carries all the cards.

• 1:10:09Caleb Hammer?

  She's driving!

• 1:10:11Speaker 01

  I know how to drive. I know how to read signs on the road.

• 1:10:15Caleb Hammer?

  No, you have no processing ability.

• 1:10:18Speaker 01

  Yeah, stop means stop. A green light means go. Got it. I know the gas and I know the brake.

• 1:10:26Caleb Hammer?

  Wow, there it is. It's everything you need to know, right?

• 1:10:28Speaker 01

  Yeah.

• 1:10:28Caleb Hammer?

  $795, it's maxed out. No one's surprised. Four years to pay off. Kid will be four by the time this is even pay off. You made $75 payment, which I, like I said, is more than the minimum. But then I realized it was worthless anyway because you purchased $95 on it. So you [bleep] it completely. You [bleep] it!

• 1:10:46Caleb Hammer?

  Let's see, what do we even get? Interest accruing bullshit, bullshit, bullshit, bullshit. Oh, Pizza Hut. Pizza Hut. Thank goodness. Going inside, getting into bullshit a couple of times. And Pizza Hut.

• 1:10:59Speaker 01

  Pizza Hut's good.

• 1:11:00Caleb Hammer?

  Actually not. It's like the worst.

• 1:11:02Speaker 01

  What's your choice of pizza?

• 1:11:04Caleb Hammer?

  Anything besides Pizza Hut. It's greasy and it tastes like nothing.

• 1:11:08Speaker 01

  Are you a Domino's fan?

• 1:11:11Caleb Hammer?

  Better than Pizza Hut.

• 1:11:12Speaker 01

  What? No.

• 1:11:15Caleb Hammer?

  Bro, it's not 2012 Domino's.

• 1:11:19Speaker 01

  Nice. So what's your favorite pizza?

• 1:11:21Caleb Hammer?

  Well, first of all, not going to be a chain. I'm just gonna say that. Cause there's a lot of good pizza. And the chains aren't it.

• 1:11:28Speaker 01

  Yeah, we don't have that option.

• 1:11:30Caleb Hammer?

  But yes, Domino's, Papa John's, Hungry Howie's, you name it, it's better. Pizza Hut's the worst.

• 1:11:38Speaker 01

  I don't think so.

• 1:11:39Caleb Hammer?

  Cause I mean, yes, Pizza Hut might taste a little better than Little Caesar's, but Pizza Hut, you're paying the same price as the actual good pizza places.

• 1:11:44Speaker 01

  7-Eleven Pizza is the best pizza.

• 1:11:47Caleb Hammer?

  Wow.

• 1:11:48Speaker 01

  Yeah.

• 1:11:49Caleb Hammer?

  I understand it. Okay. So you've had a late fee this year?

• 1:11:55Speaker 01

  Are you surprised?

• 1:11:56Caleb Hammer?

  No, but I would like you to be.

• 1:12:00Caleb Hammer?

  Because that should, that should be, that should be a big wake up call. And it's, it's not a good thing.

• 1:12:06Speaker 01

  How much was it?

• 1:12:07Caleb Hammer?

  Remember your whole make a minimum payment thing? That's what avoids that. $25.

• 1:12:12Speaker 01

  That's nothing.

• 1:12:13Caleb Hammer?

  Oh my gosh. So that's the mindset that gets people in the show and into bankruptcy and losing their children and their house and their everything. Smile about that. That's wonderful.

• 1:12:22Speaker 01

  Yeah, but you got, we got other credit cards. So if we miss one minimum payment on this one, we still got other ones. It's not like it's gonna

• 1:12:31Speaker 01

  break us and make us.

• 1:12:32Caleb Hammer?

  I'm sorry, you picked the wrong partner.

• 1:12:34Speaker 02

  Just financially.

• 1:12:35Caleb Hammer?

  No, that's one of the leading causes for divorce. That's one of the leading causes for divorce in this country.

• 1:12:39Speaker 02

  She just doesn't understand finances.

• 1:12:41Speaker 01

  We don't argue over money.

• 1:12:42Caleb Hammer?

  You, you have nothing to argue about. You, you know nothing. You just go. You are.

• 1:12:50Speaker 01

  A child. Oh.

• 1:12:53Speaker 01

  No, no.

• 1:12:55Caleb Hammer?

  This, I'll be honest, I'm more worried for this child coming to this world than most any child. This is actually very scary. You don't understand the impact of what is happening here.

• 1:13:05Speaker 01

  The child will not have to worry about money.

• 1:13:07Caleb Hammer?

  That's not how this works. They will grow up in a house where he will be worrying about money.

• 1:13:11Speaker 01

  No, he won't.

• 1:13:12Caleb Hammer?

  That's not how this works. You guys are so ignorant to this.

• 1:13:14Speaker 01

  We didn't. We didn't worry about money when we grew up.

• 1:13:18Caleb Hammer?

  Yeah, and it's set you up for so much success.

• 1:13:21Speaker 01

  It did.

• 1:13:22Caleb Hammer?

  Is that the argument you want to use when we're talking about this with where you ended up?

• 1:13:26Speaker 01

  I mean, you're looking at papers. I don't look at papers, so.

• 1:13:29Speaker 02

  She just looks at how we live.

• 1:13:32Caleb Hammer?

  No, no, no, no.

• 1:13:33Speaker 01

  I look at what I got.

• 1:13:34Caleb Hammer?

  She needs to go through an education plan, and then it needs to be an ultimatum, and if not, you need to leave her.

• 1:13:39Speaker 01

  What?

• 1:13:40Caleb Hammer?

  Oh.

• 1:13:43Caleb Hammer?

  You guys are not gonna make it in life, and then I'm, and then I'm me, an actual contributor to this world that's gonna have to subsidize you.

• 1:13:50Speaker 01

  What do you mean? I'm living right now. I'm gonna make it alive, and so is my kid.

• 1:13:54Caleb Hammer?

  How? What did that have to do with what I just said?

• 1:13:56Speaker 01

  You're, because you think that we're not gonna make it alive because you're reading these little into papers.

• 1:14:04Caleb Hammer?

  I mean, I have to subsidize you. Why are things more expensive? Healthcare, morbidly obese. Why is interest in everything so horrible? People go through bankruptcy, no consequences whatsoever. Boom, you guys. Why is everything so bad? Takers. People that will never learn any responsibility because you'll take advantage of every system that has ever existed.

• 1:14:23Speaker 02

  I know, but we've barely found out about this stuff. I'm working on it.

• 1:14:26Caleb Hammer?

  She doesn't care at all. She said a missed payment or a late payment's not bad.

• 1:14:30Speaker 01

  Well, that was one.

• 1:14:33Speaker 02

  There's a lot of them.

• 1:14:34Speaker 01

  Oh.

• 1:14:34Caleb Hammer?

  Oh, well, I didn't even know that. Pathetic.

• 1:14:40Caleb Hammer?

  You guys are why things are bad for those who work.

• 1:14:43Speaker 02

  But we work.

• 1:14:44Speaker 01

  Yeah, we work too.

• 1:14:45Caleb Hammer?

  For now. You already talked about cutting your income in half.

• 1:14:48Speaker 01

  Yeah, for when the baby comes.

• 1:14:49Caleb Hammer?

  And your income's gonna go down, then you'll get more access to social programs that I pay for, and then you'll get more childcare subsidy.

• 1:14:55Speaker 02

  Too much money for social programs.

• 1:14:56Caleb Hammer?

  You get your childcare subsidy, you're welcome.

• 1:14:59Speaker 02

  We wouldn't even know how to go about getting all that.

• 1:15:01Speaker 01

  I was just about to say.

• 1:15:03Caleb Hammer?

  It's called the standard deduction, and it will be automatic for you, because you will declare, declare the.

• 1:15:09Speaker 01

  But don't you gotta apply?

• 1:15:10Caleb Hammer?

  No, you would show that you have a dependent.

• 1:15:13Speaker 02

  I don't do taxes.

• 1:15:15Caleb Hammer?

  You don't do taxes?

• 1:15:16Speaker 02

  She does my taxes.

• 1:15:21Speaker 02

  I've never once done my taxes.

• 1:15:27Speaker 01

  Taxes I could do. I think.

• 1:15:30Caleb Hammer?

  The IRS will literally take everything from me if I miss $1 in taxes. You guys, they won't even give a [bleep] and then I have to give you all my money. It's pathetic the way we've built society to just encourage people like you. It's disgusting. It's disgusting.

• 1:15:49Caleb Hammer?

  Mortgage.

• 1:15:51Caleb Hammer?

  This doesn't make sense.

• 1:15:52Speaker 03

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• 1:16:29Caleb Hammer?

  Okay.

• 1:16:32Caleb Hammer?

  You're past three payments.

• 1:16:34Speaker 02

  I told you what happened.

• 1:16:36Caleb Hammer?

  You make so much money.

• 1:16:39Speaker 02

  No, my mom died.

• 1:16:42Speaker 02

  So we had.

• 1:16:43Caleb Hammer?

  You didn't immediately call the [bleep] bank of the house you live in.

• 1:16:47Speaker 02

  No, we didn't. I didn't know if the payment was due or not.

• 1:16:51Caleb Hammer?

  The payment's always due.

• 1:16:53Speaker 01

  Nobody don't know when. We just took over these.

• 1:16:56Caleb Hammer?

  It's three months.

• 1:16:58Speaker 02

  We didn't know the month.

• 1:16:59Caleb Hammer?

  Three days. You call the bank.

• 1:17:02Speaker 02

  I don't know.

• 1:17:03Speaker 01

  I don't even know what bank it is.

• 1:17:05Caleb Hammer?

  You look at the mailbox.

• 1:17:07Speaker 02

  That's what we just found out.

• 1:17:09Caleb Hammer?

  God, three months later. What is wrong with you guys? You can't deal with shit. Okay.

• 1:17:19Speaker 01

  It It

• 1:17:21Caleb Hammer?

  Shut up!

• 1:17:22Speaker 01

  It

• 1:17:22Caleb Hammer?

  Let me write this down. Shut up before I have to hear your nonsense.

• 1:17:26Speaker 01

  You gotta write quicker.

• 1:17:27Caleb Hammer?

  Shut up! I can't when I have to deal with you, because you're impossible.

• 1:17:31Speaker 01

  So you can't do two things at once?

• 1:17:32Caleb Hammer?

  No!

• 1:17:34Speaker 01

  Well, that sounds like a personal problem, but...

• 1:17:36Caleb Hammer?

  Brains cannot adequately do two things at the top level at the same time. Top level? Shut up. Great interest rate? Don't give this up if you do. It's pathetic.

• 1:17:46Speaker 02

  That's insane.

• 1:17:48Caleb Hammer?

  Then you didn't pay. You didn't even call. Low...

• 1:17:52Speaker 02

  Didn't know about it.

• 1:17:52Caleb Hammer?

  Shut up! The balance is fifty-three thousand, three hundred and fifty-one dollars and nine cents. Do not give that up. Do not let this go to foreclosure. I will kill you in Minecraft. Please, this is the, this is such a glorious, glorious thing in a booming area where you have an equity position. Do not this... Ahhh! So your minimum monthly payment is one thousand, two hundred and forty dollars and thirty-one cents.

• 1:18:16Speaker 01

  Mm-hmm.

• 1:18:16Caleb Hammer?

  Do not give up this amazing equity position in a boom area. Do not this up.

• 1:18:24Speaker 01

  So, we're not moving.

• 1:18:25Caleb Hammer?

  No, I mean, well, no, no, no. I don't want you to lose the house. You can sell the house and get, and have an incredible equity position. You can do that. I'm just saying, don't lose it to foreclosure. Okay, uh, why are we past due on T-Mobile?

• 1:18:37Speaker 02

  The, the answer is always gonna be the same.

• 1:18:40Speaker 01

  We just took over it two months ago.

• 1:18:43Speaker 02

  We didn't know. We didn't know it was past due.

• 1:18:45Speaker 01

  We didn't know.

• 1:18:46Caleb Hammer?

  What do you think would happen?

• 1:18:48Speaker 01

  We didn't even know the login.

• 1:18:50Caleb Hammer?

  That part is okay, but you can call.

• 1:18:54Speaker 01

  Well, we tried to call to, um, lower the bill, and they told us no.

• 1:19:01Caleb Hammer?

  So you didn't call to pay the bill, but you called to lower it?

• 1:19:05Speaker 01

  Yeah.

• 1:19:05Speaker 02

  We paid the bill.

• 1:19:06Caleb Hammer?

  Golf.

• 1:19:08Speaker 01

  Well, you wanna lower it?

• 1:19:11Caleb Hammer?

  Off, guys. Okay, what is this?

• 1:19:13Speaker 02

  That's a card that we just got.

• 1:19:15Caleb Hammer?

  You guys has got a car loan and you can't even figure out credit cards?

• 1:19:19Speaker 01

  We needed a new car.

• 1:19:21Speaker 02

  I tried it in my truck for it.

• 1:19:22Caleb Hammer?

  Why?

• 1:19:24Speaker 01

  Because her truck's a gas guzzler.

• 1:19:27Speaker 02

  My truck payment was a thousand, three hundred.

• 1:19:30Caleb Hammer?

  Okay, so it wasn't a paid-off truck.

• 1:19:33Caleb Hammer?

  What's the interest rate on this? I can't see. It's not on the statement. You wouldn't know. There's no way you would know. You know nothing. Not even worth me asking.

• 1:19:41Speaker 02

  It's twelve.

• 1:19:44Caleb Hammer?

  Uh huh. Uh huh. What do you think this car is worth that you owe 25,082 on?

• 1:19:51Speaker 02

  Think like 23.

• 1:19:52Caleb Hammer?

  Okay, it's worth 16,000 dollars.

• 1:19:55Speaker 01

  Is that good?

• 1:19:55Speaker 02

  No, it's not good.

• 1:19:56Speaker 01

  Oh.

• 1:19:57Caleb Hammer?

  Asian math filter this time. 25,082?

• 1:20:02Speaker 02

  Yeah, but it's worth the cheaper payment than paying 12,000.

• 1:20:06Caleb Hammer?

  And you know that's the poorest mindset that Americans have? You know that's what [__] Americans is they they stretch payments further and further and further thinking the minimum monthly payment is all that matters. Listen, yes, this might be better than the truck, but your your equity position is horrendous likely because you rolled over negative equity either way. But the thing is that mindset right there is what [__] most Americans paying for it's cheaper. Do this, do that. Everything's cheaper, cheaper, cheaper, stretching it longer, but then you're stacking more and more debt forever on top of each other. Keep more risk over your head forever. You want to get out of debt as quick as possible.

• 1:20:39Speaker 01

  We're trying.

• 1:20:40Caleb Hammer?

  Especially, but no, you're not. So what the [__] if you spent more than you made, we'll try. Look at every credit card that was there that you spent money on. You spent more than you put towards it. Try you don't know what the word tries. You've never tried anything in your life. You've never done anything in your life. Like actually, you've never done anything in your life. So you can't say that. You've literally never done anything. You've been a child. And you still are minimum monthly payment is 476, 46.

• 1:21:02Speaker 01

  Not disagreeing with you on that one, but we are getting better at paying things.

• 1:21:07Caleb Hammer?

  No. No, like no.

• 1:21:12Speaker 02

  Reminder, we also are two months in on doing all this.

• 1:21:16Caleb Hammer?

  Oh, my gosh, I know. And that's [__] them. Whatever.

• 1:21:22Speaker 01

  Hey, that's my car.

• 1:21:23Caleb Hammer?

  Oh, [__] what car do you have? What car do you possibly owe 46,227 dollars on your [__] and you have this?

• 1:21:30Speaker 01

  I have a 23 Jeep Gladiator Mojave.

• 1:21:36Caleb Hammer?

  Why? Why do you have a 46,000 dollar [__] car? Why do you need that?

• 1:21:43Speaker 01

  It was cheaper than my other car.

• 1:21:45Speaker 02

  Cause her scat pack got totaled.

• 1:21:47Caleb Hammer?

  What did you just say? Also, your past.

• 1:21:51Caleb Hammer?

  So your past due.

• 1:21:57Caleb Hammer?

  By four months. What is wrong with you? How do you fall behind? Yeah.

• 1:22:03Speaker 02

  How much is it past due then?

• 1:22:04Caleb Hammer?

  Four months.

• 1:22:05Speaker 02

  I know. What's the number?

• 1:22:07Caleb Hammer?

  $1,362. Normal minimum is 362.

• 1:22:11Speaker 02

  No. That, that, uh, payment is $1,300.

• 1:22:17Caleb Hammer?

  Oh, so you're okay. You didn't make the full payment. You couldn't make the full payment. So I see your current amount due is 1,725, 20. The regular amount due is 1,360. You have a $1,362 monthly payment on your Jeep?

• 1:22:33Speaker 02

  Yep.

• 1:22:33Speaker 03

  Yep.

• 1:22:34Caleb Hammer?

  No, that's not the number, is it?

• 1:22:35Speaker 02

  It's, it's more than the house payment.

• 1:22:37Caleb Hammer?

  Is that the number? The number on screen?

• 1:22:40Speaker 03

  They did not send me bins?

• 1:22:42Caleb Hammer?

  Oh.

• 1:22:44Speaker 02

  They sent you a bin?

• 1:22:45Speaker 03

  Uh, actually, let me double check.

• 1:22:47Speaker 02

  It should be in the email.

• 1:22:49Speaker 03

  Actually, this is for the Jeep. The Jeep I did not have a bin.

• 1:22:53Caleb Hammer?

  Oh, dude, dude, dude. You owe $1,300 a month on a car that you owe 46,000 on which your interest is probably like 30% or something predatory.

• 1:23:03Speaker 02

  That's not 30%.

• 1:23:05Caleb Hammer?

  What is it?

• 1:23:05Speaker 02

  I think, I think it's like 11 or 12.

• 1:23:07Caleb Hammer?

  Yeah, it's still shit. Shut the up. What? Shut up!

• 1:23:10Speaker 02

  30 is double.

• 1:23:11Caleb Hammer?

  Dude, oh my gosh. Why are you still on the previous topic? I'm trying to move on. Are you incapable of having conversations? So, should I start that again before getting interrupted? Okay, thank you. Let me try this again. So, you owe $46,000 with a $1,362 monthly payment. What do you think that car is worth?

• 1:23:32Speaker 02

  I'm gonna say 30 something.

• 1:23:35Caleb Hammer?

  What would you say?

• 1:23:36Speaker 02

  I don't know.

• 1:23:37Caleb Hammer?

  Oh, try. What do you think? What do you think it's worth?

• 1:23:40Speaker 02

  A lot of money.

• 1:23:42Caleb Hammer?

  Okay, $15,990. You got predatored.

• 1:23:46Speaker 02

  No, not for a Mojave.

• 1:23:49Caleb Hammer?

  Might be a little more, but that's what we got. But it's certainly no more than half of what you owe. No more. You're, do you guys everything and you're bringing a kid into this mess? This is disgusting. You, you are easily within the top three highest minimum payments ever. But you are easily the most ever. So this is horrible. And you're stuck and you can't get out of there. You can't borrow the difference. You're

• 1:24:17Speaker 02

  We're not even trying to sell it or nothing. I like the car.

• 1:24:21Caleb Hammer?

  Oh, good. She likes a thousand three hundred dollar monthly payment more than her mortgage.

• 1:24:28Speaker 01

  It's a nice car.

• 1:24:29Caleb Hammer?

  Good luck in there.

• 1:24:33Speaker 01

  No, he won't.

• 1:24:34Caleb Hammer?

  No, he won't? No, he won't what?

• 1:24:36Speaker 01

  That car's will be his probably.

• 1:24:40Caleb Hammer?

  Okay, I have a shit ton of collections. I'm not even gonna. It's just whatever. Listen, I mean, it's all bad. It's about a thousand dollars in collections. Who?

• 1:24:51Speaker 01

  Both?

• 1:24:51Speaker 02

  No, I think that's you. That thousand dollars.

• 1:24:55Caleb Hammer?

  A thousand added up.

• 1:24:56Speaker 02

  Cause mine's way more.

• 1:24:57Speaker 01

  Oh, yeah.

• 1:24:59Caleb Hammer?

  Okay, okay. Who has, uh, I think this is a firm?

• 1:25:04Speaker 02

  Yeah.

• 1:25:05Caleb Hammer?

  You're affirming your team is.

• 1:25:09Caleb Hammer?

  Let's own on a firm. What is this? What is this? This is a different brand.

• 1:25:14Speaker 02

  It's Klarna.

• 1:25:16Caleb Hammer?

  What do you owe on a firm?

• 1:25:18Speaker 02

  It say right there.

• 1:25:20Caleb Hammer?

  What's your monthly pay? No, that's your upcoming payment.

• 1:25:22Speaker 02

  I think it's like twenty.

• 1:25:23Caleb Hammer?

  Okay, total you, what?

• 1:25:26Speaker 02

  There's three different ones and they're like twenty each.

• 1:25:29Caleb Hammer?

  Okay, total of firm owed is two hundred sixty-three dollars and thirty-two cents. I'm gonna guess.

• 1:25:34Speaker 02

  They're all almost paid off too.

• 1:25:36Caleb Hammer?

  Almost, but they're not. Fifty-three payment. But it's all stacking. That's where your mindset's broken. It's stacking. So Klarna. Hundred, one sixteen. What are we Klarnaying?

• 1:25:49Speaker 01

  TVs?

• 1:25:50Speaker 02

  No, it's eBay. Oh.

• 1:25:53Caleb Hammer?

  TVs multiple?

• 1:25:55Speaker 01

  Uh, we have a hundred inch TV.

• 1:25:59Speaker 02

  That's already paid off.

• 1:26:00Caleb Hammer?

  Why you have a hundred inch TV? You guys are so fucked, man.

• 1:26:04Speaker 02

  To play Fortnite.

• 1:26:07Speaker 02

  You get to see the people really big when they're really far.

• 1:26:11Speaker 01

  So you can shoot them. So you can shoot them.

• 1:26:14Caleb Hammer?

  What are you doing?

• 1:26:16Speaker 01

  We got anywhere from a hundred inch to a seventy-five inch.

• 1:26:19Caleb Hammer?

  You know, that actually goes against the gamer mindset, by the way.

• 1:26:23Speaker 01

  Why?

• 1:26:23Caleb Hammer?

  You actually want relatively smaller screens. So that you're able to analyze better.

• 1:26:29Speaker 01

  I'm too blind to see. I mean, and the bigger.

• 1:26:32Caleb Hammer?

  It doesn't matter. I'm not considering you guys professional gamers. The Klarna.

• 1:26:39Caleb Hammer?

  You guys are so [__] man. Klarna is 26298 owed, but your minimum appears to be...

• 1:26:48Speaker 01

  That is a lot of papers.

• 1:26:50Caleb Hammer?

  Yeah, you're behind on that one, by the way, but either way.

• 1:26:54Caleb Hammer?

  That'll be paid off in two payments. Shut up. 13195.

• 1:27:00Speaker 02

  Auto pay. Yeah, so it's auto pay.

• 1:27:02Caleb Hammer?

  Yeah, well, you probably don't have enough in your checking account. Yes, it can, but you don't have enough in your checking account.

• 1:27:06Speaker 01

  It doesn't get paid during checking account.

• 1:27:08Caleb Hammer?

  Yeah, when you don't have...

• 1:27:09Speaker 01

  Oh, does?

• 1:27:10Speaker 02

  Yeah.

• 1:27:11Caleb Hammer?

  You guys are so [__].

• 1:27:12Speaker 01

  No, nothing. I don't know.

• 1:27:15Caleb Hammer?

  Like, I don't even know if this is even worth continuing. You guys won't be able to do anything. You guys are starting from negative. Negative knowledge. Like, it's actually so [__] broken. I don't even know what this is. This is an affirm.

• 1:27:29Speaker 01

  Yeah, we have negative knowledge, because we just took over two months ago.

• 1:27:33Speaker 02

  I think that goes with the other one.

• 1:27:34Caleb Hammer?

  I don't know. You have an eBay? This is affirm. This is another affirm. Who's affirm? Her affirm?

• 1:27:39Speaker 01

  I don't have a firm.

• 1:27:40Caleb Hammer?

  So another affirm? No, that's the payment that came from the previous. Okay, whatever. Unless I don't even know if these are debts or not. This is such a [__] mess. You gotta figure it out.

• 1:27:52Speaker 02

  SeatGeek. That's a chief scan.

• 1:27:55Caleb Hammer?

  Okay, this one's closed. It's a closed account of 1,000. So this is a collections that I think Jessica has. 1,326. Pathetic. Okay, and now checking account. And I don't even have to ask who's, because you're a literal child of 31, and it's disgustingly pathetic. You have 131 in your checking account. Yes, you probably bounced to one point and had a payment that failed.

• 1:28:19Caleb Hammer?

  What? What, you see Cheeseburger? What? Burger King, Taco Bell, went outside, got some bullshit, went some bullshit, Uber, Amazon, Amazon Sonic. Do you see how you just destroy your body and your life and your finances?

• 1:28:33Speaker 01

  It's me. I have the card.

• 1:28:34Caleb Hammer?

  You see how you just destroy your body, your life, and your finances? Shut up, both of you.

• 1:28:38Speaker 01

  No.

• 1:28:39Caleb Hammer?

  You have a child coming that in a couple of months. Apple bill, ATM withdrawal, who knows where that $100 went? Whataburger, Patreon, [__] off.

• 1:28:46Caleb Hammer?

  Ancestry, what, you wanted to figure out if you're Asian or not? Uh, go without the eat, forty-five dollars, Apple bill, stop it in the gas station, got some bullshit, use gamer subs, it is so much cheaper and it tastes better, photo print online, what are you doing? Zellin on money, ATM much, R two hundred forty, who knows where, when is I got some bullshit, use gamer subs, Amazon, Apple bill, Playstation.

• 1:29:09Caleb Hammer?

  Uh, I think somewhere in your town, Uberin, Amazon, Donuts, Subway, Patreon, Google, Hulu, Netflix, Subway, Premium, this is so ridiculous, wait, who has Bank of America then?

• 1:29:23Speaker 01

  That's mine.

• 1:29:23Caleb Hammer?

  You have two checking accounts?

• 1:29:24Speaker 01

  No, it's a savings.

• 1:29:26Caleb Hammer?

  Oh, our savings that only went down, that's good. Okay, so this kid is going into a savings collapsing household, and then our Wells Fargo savings went from a thousand six hundred to twenty-five.

• 1:29:39Speaker 01

  Yeah.

• 1:29:40Caleb Hammer?

  Oh my.

• 1:29:41Speaker 01

  Vacation.

• 1:29:42Caleb Hammer?

  Oh, that's more important than our kid.

• 1:29:45Speaker 01

  He's gonna be taken care of?

• 1:29:46Caleb Hammer?

  No, that's not how this works. The world is not just sunshine and rainbows, it's not, I don't want to boomer this, but like, it's just, that's just not how this works.

• 1:29:54Speaker 01

  He will be okay.

• 1:29:55Caleb Hammer?

  Oh, wonderful, you hear that kid?

• 1:29:57Speaker 01

  We just took over.

• 1:29:58Caleb Hammer?

  No issues.

• 1:29:59Speaker 01

  We just took over.

• 1:30:00Caleb Hammer?

  That means nothing, you drained your savings to go on vacation.

• 1:30:04Speaker 02

  Yeah, that wasn't a vacation.

• 1:30:06Speaker 01

  No.

• 1:30:06Caleb Hammer?

  What was it?

• 1:30:07Speaker 02

  We went to Mexico for my mom's last, last day on earth.

• 1:30:13Caleb Hammer?

  She was in Mexico?

• 1:30:15Speaker 02

  No, we took her from Texas to Mexico.

• 1:30:18Caleb Hammer?

  Okay, well, listen, I can appreciate that more.

• 1:30:22Speaker 01

  Cause that's what she wanted?

• 1:30:23Caleb Hammer?

  Yeah, I can appreciate that much more.

• 1:30:26Caleb Hammer?

  I can appreciate that.

• 1:30:28Caleb Hammer?

  You guys make enough money to be able to fund that, and so you would immediately, in that circumstance, of which I can appreciate, immediately replenish the savings with the next paycheck, is how that works, by the way. So total income, well, it's gonna get cut in half, but we'll put a eleven thousand two hundred sixty-six for now for the next three months, but your minimum monthly payments, including the mortgage, is two thousand two hundred seventeen dollars and seventy-two cents, that's not you catching up on monthly payments, that's normal minimum monthly payments. What's your gas, electric, internet, all that combined, all your utilities, how much?

• 1:30:57Speaker 02

  Uh, two, four, five.

• 1:31:03Speaker 02

  550.

• 1:31:06Caleb Hammer?

  Uh, gas, a vroom, vroom, drive, drive, both of you guys combined, not work.

• 1:31:10Speaker 02

  It's gonna be, uh, 80 for the month.

• 1:31:13Caleb Hammer?

  For both of you?

• 1:31:14Speaker 02

  We work at the same place.

• 1:31:16Caleb Hammer?

  Why'd you say that? What the? But yes, but you told me your, oh, your transportation was that much because you're driving. Shut. Oh, my goodness. Phone bill. It was in there. It was like.

• 1:31:25Speaker 02

  It's, uh, no, it's 389.

• 1:31:27Caleb Hammer?

  Ah, pay off your phone, switch to helium for $15 a month.

• 1:31:33Speaker 02

  We have a lot of.

• 1:31:35Caleb Hammer?

  Yeah, you need to pay off your devices and then do that because it actually has the same coverage as T-Mobile or very similar.

• 1:31:41Speaker 02

  Yeah, but we're paying for things that we don't.

• 1:31:43Caleb Hammer?

  Shut the.

• 1:31:43Speaker 02

  Fools and people.

• 1:31:44Caleb Hammer?

  And get rid of them. Get rid of them. Get them off. You are independent now. Car insurance, how much?

• 1:31:49Speaker 02

  Uh, 350.

• 1:31:52Caleb Hammer?

  Okay, necessary food. I'll do a little more because you're on the road for a little bit of needing to go out and stuff, but 800. You will be meal prepping mostly. Coolers. Like, you just have to. It's not an option. TP fund, again, a little elevated because you're on the road, but I'll do 300.

• 1:32:10Speaker 02

  That's way too much.

• 1:32:12Caleb Hammer?

  You don't, it is everything else. It is toilet paper. It is toothbrushes. It is tampons. It is everything. It is makeup. It is everything. Okay, fine, 200.

• 1:32:23Speaker 02

  That's still too much. I think like 100.

• 1:32:26Caleb Hammer?

  Subscribe. I doubt it, guys.

• 1:32:28Speaker 02

  All we do is.

• 1:32:29Caleb Hammer?

  Shut up. Subscription 75. Medical health care, are there copays on a monthly basis?

• 1:32:34Speaker 02

  Yes.

• 1:32:35Caleb Hammer?

  How much?

• 1:32:35Speaker 02

  Um, I know I still got, uh, to pay 1,500 for the.

• 1:32:40Caleb Hammer?

  No, copays. Just ongoing copays.

• 1:32:43Speaker 02

  Uh, yeah, I pay, uh, my insurance to the, how much is it? 165 every two weeks.

• 1:32:54Caleb Hammer?

  Okay, 3:30.

• 1:32:55Speaker 02

  Yeah.

• 1:32:55Caleb Hammer?

  Is there a gym?

• 1:32:58Speaker 02

  No.

• 1:32:58Caleb Hammer?

  Are there pets?

• 1:33:00Speaker 02

  Yes.

• 1:33:00Speaker 01

  Yes.

• 1:33:01Caleb Hammer?

  You guys are truckers, why? What do you have?

• 1:33:03Speaker 02

  A Rottweiler.

• 1:33:05Speaker 01

  He's five, and he's so adorable.

• 1:33:10Speaker 02

  He comes with us on the road.

• 1:33:11Caleb Hammer?

  Oh, okay. Pet insurance, fifty bucks, how much for pet food?

• 1:33:14Speaker 02

  Uh, about fifty a week, a month.

• 1:33:18Caleb Hammer?

  Anything else that needs to be in this budget that I have not put in?

• 1:33:20Speaker 02

  Hmm, a little bit more for subscriptions.

• 1:33:22Caleb Hammer?

  Go for it. Kid comes first.

• 1:33:25Speaker 01

  And his food's-

• 1:33:26Caleb Hammer?

  You're cutting a lot.

• 1:33:27Speaker 01

  His food's on the subscription.

• 1:33:28Speaker 02

  I know, that's all he said.

• 1:33:29Caleb Hammer?

  I put that in as a separate line item, you do not understand things.

• 1:33:35Speaker 02

  She has selective hearing.

• 1:33:36Caleb Hammer?

  No, she's actually a moron, like actually. Not as an insult, like she's actually stupid. It's kind of alarming.

• 1:33:44Speaker 01

  No, I just don't know nothing about this stuff.

• 1:33:47Caleb Hammer?

  Okay, need to survive 309, or, uh, sorry, 5,091, 72. I'll give you five hundred dollars in bullshit spending. Congratulations. It's going out to eat, subscriptions, whatever you want. So, let's call it 5,600.

• 1:34:04Speaker 02

  To spend.

• 1:34:05Caleb Hammer?

  Five thousand six hundred to live. Let's call it that. Which, when your income cuts in half, is not going to be much left, and you have to cut your bullshit spending, but until then, you have an extra, let's call it 6,000, just to be conservative, left on a monthly basis. Of which, of that, of the 141,935,000 dollars of debt, minus about 2,000, let's call it 400 of collections, minus the mortgage of 53,351. Okay, so 86,184 dollars of bad debt of the 6,000 dollars, if you maintain it, which I would appreciate, would take actually 14 months to pay off the debt. Then you could get a fully funded emergency fund.

• 1:34:50Caleb Hammer?

  So actually, I would do that. I would continue these work hours as much as you guys can, even through the birth, as much as you guys can. If, obviously, do things that you have to do, but- Of those months that you're able to do the kind of work that you're doing now, if you follow this budget, you can pay off your debt in 14 months, which sets you guys up for a great success. Call it in a year and a half to pay off your bad debt and get a fully funded emergency fund. And then at that point, which is six months of your living expenses, at that point, your kid's gonna have a great life and you're gonna live within your means, which is 50% on needs, 30% on fun, which is a lot of money for you guys, and 20% on savings. So you guys can have a retirement so your kid doesn't have to take care of you. What a joke. This is so easy to pay off. You guys make so much money, it's just literal children. It's actually kind of pathetic, especially with a kid on the way. This is pathetic.

• 1:35:32Caleb Hammer?

  The fact that you guys haven't learned anything until 31, 32 is very pathetic, very pathetic. We're gonna call this uh, the sister in the post-show and we're gonna confront her. Um, and then, yeah, I guess you're getting sued and stuff. Okay, we gotta talk about a lot of stuff in the post-show. But let's get the Hammer Financial Score first. Hammer Financial Score, spending in a budget, oh, you ever spent 0 out of 10? Debt, this question is 0 out of 10. Emergency fund, you drained it to 0, 0 out of 10 practically. Retirement, didn't see anything, 0 out of 10. Real estate, not on the title yet. Can I give a score to that? I can, once you're on title. Today it has to be a 0, but it will, Andrew behind on the, either way, it will go up to a 5 or 6 depending where you are on the payment status pretty quick. Could be a 7 or 8 if you're actually caught up really well and it has a good equity position, maybe even a 9.

• 1:36:16Caleb Hammer?

  But today is 0. Hammer Financial Score is 0 out of 10. Get yours at CalebHammer.com. Click that join button, join Hammer Elite to get three premium shows every single day, six days a week, including an extra 20 minutes of this episode called, The Financial Auto Post Show, where we're gonna call her sister. I'll see you there.

• 1:36:31Speaker 02

  Hello? We're talking about you, how you live with us and stuff. I am trying to find a place, but I, I have not saved anything yet. You as a family are planning a huge trip to Disneyland. I wanted to have some fun. We were thinking paying us dollars a week. Yeah, I'll think about it.

• 1:36:49Caleb Hammer?

  I think she's the most I've ever met. Don't forget, the summer budget reset is now live! Get a full year of Dollar Wise Premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook, and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything! So don't wait until that first pool party to get financially ripped. Click the link below, save big, claim your bonuses now.