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Transcript 19,780 words · 8 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
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0:55 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. Were you guys born in the US?
1:00 Speaker 03 We are dreamers from Mexico City.
1:02 Speaker 04 I feel like it's maybe one of the things that's like pulling me back from, you know, like marriage. I think she lives in a very optimistic world. She thinks that, you know, everything will magically just work out itself.
1:13 Speaker 03 Not magically.
1:14 Caleb Hammer? Oh, he gets into the numbers and where they've gone?
1:16 Speaker 03 You're an idiot. This is like a male thing and a girl thing. I've talked to all my girlfriends and this is literally how we all like, our brains work this way.
1:23 Caleb Hammer? If you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here and you guys are [bleep] done.
1:29 Speaker 03 Wait, wait, wait.
1:30 Caleb Hammer? Shut the [bleep] up. I'm done. With a refreshed look and upgraded features, download Dollar Wise, the best budgeting app there is. And until October 27th, you can lock in the first three months at over 30% off or upgrade to annual and save an additional 25% and get a free signed cookbook by me. Download the Dollar Wise Budgeting App today and take advantage of your free trial.
1:53 Speaker 03 Hello, my name is Natasha. I'm 29 years old.
1:55 Speaker 04 And I'm Oscar and I'm 32 years old and we're from Phoenix, Arizona.
1:59 Speaker 03 And this is Financial Audit.
2:02 Caleb Hammer? I do have to ask, is that dyed gray? Or are you graying at 29?
2:07 Speaker 03 I am graying at 29.
2:09 Caleb Hammer? Is this his fault?
2:10 Speaker 03 Yes, and my kids, yeah.
2:11 Caleb Hammer? Okay, oh, actually kids, that's good to know. Well, how many kids do we have?
2:15 Speaker 03 We have three.
2:16 Caleb Hammer? Okay, are you guys married?
2:18 Speaker 03 We're not.
2:21 Caleb Hammer? Why are you sticking it in so much without taking it away, big guy? For marriage, I mean, stick it in, but don't drop the babies.
2:29 Speaker 03 Whoa, Jesus.
2:31 Speaker 04 I just...
2:31 Caleb Hammer? What? You don't think people [bleep] for marriage? You have three children.
2:36 Speaker 03 I don't know how they got there.
2:37 Caleb Hammer? Uh huh.
2:39 Speaker 04 I mean, I just don't really see the benefits of like, you know, being married and...
2:44 Caleb Hammer? I thought you were gonna say of condoms.
2:45 Speaker 04 Oh, no.
2:46 Caleb Hammer? Okay, benefits of being married? Well, there's lots of things. There's legal protections, there's automatic wills essentially that are taken into account. You can't testify against the other person. You're not compelled to testify against the other person in a court of law. There's lots of natural benefits that come with it. There's lower tax rates, child tax credit can stretch further. Um, it's literally just a legal thing, by the way. But then, obviously, if you guys are ready in the emotional love way, then yeah, lots of benefits.
3:09 Speaker 03 Yeah, you should make a decent woman out of me.
3:12 Caleb Hammer? Well, you made a great woman out of you. Thanks for coming over from Phoenix. What are the ages of the kids?
3:18 Speaker 03 Uh, we have a seventeen-year-old daughter.
3:21 Caleb Hammer? Seventeen? Dude, that even made Colton gasp.
3:27 Caleb Hammer? Was it the...
3:28 Speaker 03 I am mentally twenty-nine. You can do your own math, but I am mentally twenty-nine.
3:37 Speaker 03 And I will die by that.
3:38 Caleb Hammer? How the [bleep] old are you?
3:39 Speaker 03 Don't worry about it, old enough.
3:41 Caleb Hammer? That's kind of very important when we calculate that in interest. Well, old enough to have kids is younger than you should be having sex, if we're being honest.
3:50 Speaker 04 Yeah, I don't think you're gonna be able to get out of her.
3:52 Speaker 03 Yeah, no.
3:53 Caleb Hammer? Okay, how old is she?
3:55 Speaker 03 Do your mental math, okay?
3:58 Caleb Hammer? That doesn't make any sense. You could have had a kid at like thirteen.
4:02 Speaker 03 All right, well, sometime in high school.
4:04 Caleb Hammer? How old are you when you had a kid?
4:06 Speaker 03 Sometime in high school.
4:08 Speaker 04 She's over thirty.
4:09 Caleb Hammer? Okay, are we gonna have a productive conversation?
4:13 Speaker 03 Yes, sir, but can we just pretend that I'm twenty-nine?
4:15 Caleb Hammer? No, because your compound growth in the overall marketplace, if we're thinking about how much time you have to retire is...
4:22 Speaker 03 I am close to Danny's age, there you go.
4:29 Speaker 04 Just put her at 32.
4:30 Caleb Hammer? Okay, she's 35. We have it confirmed through documentation. What the fuck is wrong with 35?
4:36 Speaker 03 I don't love you anymore.
4:37 Caleb Hammer? What the fuck is wrong with 35? That's not even a big difference. That's six years.
4:42 Caleb Hammer? That's so stupid. Why even do that? I'm so confused. You know that dramatically affects everything in the world of math.
4:47 Speaker 03 Because mentally, if you keep yourself young, you'll feel young. So mentally, I tell myself I'm 29, so I feel you.
4:54 Caleb Hammer? Or is she mentally [BLEEP] it? I can't figure this out.
4:57 Speaker 03 You're horrible.
4:58 Caleb Hammer? No, I mean, you could have just told me your age. That's a very weird way to start the episode, because I asked you before I even started filming, you said 20. What the fuck? What? I don't understand. It impacts everything. Age impacts everything. We're doing the numbers, your limited life here on Earth. All the numbers that we are doing, the plan that we come up with at the end, and the all the interest accruing on debt, or the compound interest in the marketplace, is all dependent on age.
5:22 Speaker 03 Okay.
5:23 Caleb Hammer? Even your hammer financial scores depend on age when it comes to [BLEEP] retirement. So why? Why are we pretending? That's so fu- what a stupid way to start the conversation. I'm sorry.
5:31 Speaker 03 You got my age. I'm sorry.
5:32 Caleb Hammer? It's just stupid. It's just, come on. I wanted to come in, like, I... We were giggly, and I was like coming in feeling good, and you're just, why just [BLEEP] it at the beginning?
5:43 Speaker 03 I'm sorry.
5:44 Caleb Hammer? What do you do for a living? 35-year-old Natasha.
5:48 Speaker 03 I am a stay-at-home mom now. Um, I just had my baby. She's three months old.
5:55 Caleb Hammer? Okay, so there's 17-year-old, three-month-old, and a what?
5:57 Speaker 03 And a 12-year-old.
5:59 Caleb Hammer? So you had a kid at 18?
6:04 Caleb Hammer? Okay, that's not that crazy anymore. It would have been crazy at, what was the math gonna be? Like 13?
6:12 Caleb Hammer? Yeah, that would have been pretty [BLEEP] concerning, and I would have also been looking at you. Well... Well, I mean, you're at that point, you would have been three years older than me. So this is her then, so this is, it's whatever, okay. Okay, so stay at home, mother, so not making any money now, is it because we're afraid of you leaving the house? And immediately getting lost, because based on this conversation so far, that's my main concern. I'm afraid to let you leave this studio. Can you get to the airport? No. I don't know, without him? Cannot. Good luck. No, I cannot. Are you essentially a predator because you're dating a mental child? Ants.
6:47 Speaker 04 She's not, she's not mental.
6:50 Speaker 04 She's just not that great.
6:51 Caleb Hammer? And you, what do you do, Mr. Oscar for a living? Oscar's a very racist name we gave you, but I'll accept it.
6:57 Speaker 04 It's alright.
6:59 Caleb Hammer? Better than like Domingo or something.
7:01 Speaker 04 Yeah, that one would have been better, actually.
7:03 Caleb Hammer? Yeah.
7:03 Speaker 04 But anyways.
7:04 Caleb Hammer? Because your real name is actually quite a white name. So we just went like. It is? He, well, I mean, it can be, I know whites with that name. But we went full sombrero and shaker with the fake name we gave you. He chose it. I blame, oh, you chose it?
7:19 Speaker 04 Yeah.
7:20 Caleb Hammer? You're racist against yourself. Oh, never mind, no, no. The name he goes by is his middle name, his first name is actually incredibly, incredibly, incredibly taco driven.
7:31 Speaker 04 It is.
7:32 Caleb Hammer? Okay, what do you do for a living?
7:33 Speaker 04 I work in construction.
7:35 Caleb Hammer? Yeah.
7:37 Caleb Hammer? Yeah, he does, okay.
7:42 Caleb Hammer? Keep going. What do you do in construction?
7:46 Speaker 04 Well, I'm a carpenter, um, I drive the forklift around.
7:52 Caleb Hammer? I thought I saw you renovating my house.
7:55 Caleb Hammer? Okay. You just drive the forklift around?
7:58 Speaker 04 Yeah, for the most part.
7:59 Caleb Hammer? Dude, you got fucking gig. Out of all the construction workers, you got the gig. You get a little bit of breeze with the motion?
8:05 Speaker 04 Ah, that's what you think, man.
8:07 Caleb Hammer? A little bit of breeze?
8:07 Speaker 04 Nah, that's what you.
8:08 Caleb Hammer? Dude, you're not doing this, you're doing this.
8:09 Speaker 04 Yeah, I'm doing that, but it comes with a lot of responsibility, it's not just, you know.
8:13 Caleb Hammer? Responsibility is good, because responsibility usually comes with income. I'm saying you got to get away from the physical part of construction, especially, I mean, Phoenix, we're talking Phoenix.
8:20 Speaker 04 Yeah, but it's not like.
8:21 Caleb Hammer? It's a little warm there.
8:22 Speaker 04 It's not like I get paid extra, you know, for taking on the extra responsibility.
8:25 Caleb Hammer? Well, yeah, but you get less physical in the heat and the sun and the crazy.
8:29 Speaker 04 Actually, no, I get worse because I'm outside. I'm outside all day.
8:33 Caleb Hammer? Is it mostly construction outside?
8:35 Speaker 04 You can get it like interior, like, you know, where you're working inside the building.
8:39 Caleb Hammer? Interesting. I'm trying to make you sound, I'm trying to tell you, you have a halfway decent part of the construction gig and you're just really wanting to tell me it sucks.
8:46 Speaker 04 It's because everyone like thinks that is like, oh, is it, you know, you got the easiest part of it. It's not necessarily like the easiest.
8:52 Caleb Hammer? Why? Are we dick measuring who has the worst construction job? I like, I don't know. I would rather have that than the person nailing in on the roof.
9:01 Speaker 04 Yeah, yeah, yeah, I know.
9:03 Caleb Hammer? Okay, I'll just say that.
9:05 Speaker 04 But don't make it seem like I'm working inside, you know, like.
9:07 Caleb Hammer? No, I didn't say that. I just, okay, it's oddly defensive. You guys are interesting.
9:13 Speaker 04 You're making it seem like, oh, you got the dream job.
9:15 Caleb Hammer? No, I didn't.
9:16 Speaker 04 It's not the dream job.
9:17 Caleb Hammer? Well, is this better than many of the others, is it not?
9:20 Speaker 04 I guess.
9:22 Caleb Hammer? So.
9:22 Speaker 04 It depends on your point of view.
9:23 Caleb Hammer? What do you make, Oscar?
9:25 Speaker 04 I make thirty one an hour.
9:28 Caleb Hammer? Very good. How many hours a week?
9:30 Speaker 04 Working right now, fifty, sixty hours. Depends. It fluctuates a little bit.
9:34 Caleb Hammer? Yeah, grinding because and you can, because she stays at home. Is there a part of, well, no, three month old, it makes sense to stay home. So is there a plan of you going back to work? Because he wouldn't have to work as much if you were also bringing in income. I understand definitely being home in a three month. I'm totally vibing with that. If he's willing to put in the work, how do you feel putting in that much work?
9:54 Speaker 04 It's more stress.
9:55 Caleb Hammer? Yeah, that's a lot of hours, fifty, sixty?
9:58 Speaker 04 Yeah.
9:58 Caleb Hammer? But stay at home wife, it is harder to support on a single income these days. So you really got to stretch those hours to make that work. Especially with three children. Wait, not married. How long have you guys been together? Seventeen year old.
10:10 Speaker 03 So my two, the seventeen and twelve year olds are from my previous marriage.
10:14 Caleb Hammer? Oh.
10:15 Speaker 03 I would love to go back to work. Unfortunately, I was terminated from my previous job. But I.
10:22 Caleb Hammer? Is it because you kept calling yourself twenty nine?
10:25 Speaker 03 Yeah.
10:25 Caleb Hammer? On every HR report and all onboarding processes.
10:28 Speaker 03 Yes, that's for sure why.
10:30 Caleb Hammer? Cool. What hits your account per pay? What's your per pay? Is it every other week? Or by weekly, some are monthly? Weekly, good, well, hit it.
10:36 Speaker 04 Yeah, it's around.
10:37 Caleb Hammer? On average.
10:38 Speaker 04 Fourteen, fifteen hundred.
10:40 Caleb Hammer? Why were you fired? Oh, wait, okay, let me get the math. Four, let's do fourteen fifty. If that's the average, times fifty-two divided by twelve, average it out. We're looking at about, not bad, six thousand two hundred eighty-three dollars, thirty-three cents. That cost of living in Phoenix has certainly gone up over the past few years, but even still, it's not like the most insane expensive city in the overall country. Uh, but either way, why did you get fired?
11:03 Speaker 03 But with that, he does get union taken out and then...
11:06 Caleb Hammer? I asked what hits the account.
11:08 Speaker 03 Oh, sorry.
11:09 Speaker 04 Yeah, yeah, yeah.
11:09 Caleb Hammer? Yeah, that's great, nap, let's go.
11:11 Speaker 03 Then, yeah.
11:12 Speaker 04 Well, that's being taxed exempt.
11:15 Caleb Hammer? Uh, why?
11:17 Speaker 03 Cause I lost my job.
11:18 Caleb Hammer? Huh?
11:19 Speaker 03 Cause I lost my job.
11:20 Caleb Hammer? Sure, but why? You're gonna have to pay taxes. If you guys aren't filing joint, the kid isn't yours, except for the three-month-old. The child tax credit, I mean, it's not gonna cover yet your income, fully covering all taxes you'll owe.
11:32 Speaker 03 We are gonna file a joint and he's gonna be head of household and we can claim the twelve-year-old. That's the arrangement we have.
11:38 Caleb Hammer? Seventeen is split custody?
11:40 Speaker 03 Yep, they both are.
11:41 Caleb Hammer? Okay, but even still, will six thousand cover the full total taxes? You owe making, because you make good money, like, nah, six, well, well, that's after taxes. And, um, but no taxes, sorry, that's after you took
11:58 Caleb Hammer? the amount you're putting to taxes from paycheck, basically to zero, right? Full zero?
12:04 Speaker 04 Uh, just, uh, federal, zero.
12:06 Caleb Hammer? Well, yeah, is there income tax in Arizona? Okay.
12:11 Speaker 04 But I don't do it, I don't do it like the entire year, though.
12:14 Caleb Hammer? You're doing it now, because you got laid off. But even still, you're talking, we're talking, you probably make like eighty, eighty, I don't know how much you need to take, so I'm assuming eighty. You're gonna pay fucking taxes, especially if there's, uh, yeah, state, especially.
12:28 Speaker 04 This year, I think I'm gonna be making like sixty-five.
12:31 Caleb Hammer? Then the math you just gave me makes no fucking sense.
12:34 Speaker 03 He just got a raise.
12:35 Speaker 04 Yeah, I get it, like, raise this year, but on top of that, like, it depends on like on the project. Like, I, I was working forty hours a week, like, overtime barely picked up. So it's like, it fluctuates, you know, and it's not always like sixties.
12:49 Caleb Hammer? Oh.
12:52 Caleb Hammer? Two to three by the end of the year?
12:53 Speaker 03 Even with claiming both of the kids and myself?
12:56 Caleb Hammer? I think so, just about, just about. It's gonna be close depending on a lot of things. Okay, why'd you get fired?
13:05 Speaker 03 Um, so I was eight months pregnant. I had been with the company already a year and a half. And I got let go when I was eight months pregnant. They told me that it was because I was not adhering to my breaks and schedule. And I have the termination letter, like it says exactly that. I was not adhering to my breaks and schedules.
13:24 Caleb Hammer? I mean, why the f- weren't you?
13:25 Speaker 03 Because unfortunately I get very, very sick and nauseous. Um, so sometimes I-
13:30 Caleb Hammer? Cause you were pregnant?
13:31 Speaker 03 Mm-hmm. I had to like run to the bathroom and like use the bathroom.
13:34 Caleb Hammer? I don't, mm.
13:37 Speaker 03 So you have to go on a queue when you go-
13:39 Caleb Hammer? There might be a lawsuit type thing there.
13:42 Speaker 03 So when you go on, on breaks and stuff, you have to go on a certain queue uh, with that employer to go on breaks. And sometimes I didn't have time to do that, so I would just run to the bathroom.
13:53 Caleb Hammer? Did you start taking, did you move up from forty to that sixty after she got laid off? Or have you been doing that for a while?
13:59 Speaker 04 Well, it's, it just depends on the project. Uh, the project started picking up, so overtime came with it, but-
14:05 Caleb Hammer? Oh, so when the project's done, it might go down?
14:08 Speaker 04 Yes. I got, I got lucky, you know, that-
14:10 Caleb Hammer? When's the project gonna be done?
14:11 Speaker 04 Well, I guess lucky if you wanna call it that.
14:13 Caleb Hammer? When's the project gonna be done?
14:14 Speaker 04 Um, it's- Two, three years.
14:18 Caleb Hammer? Oh, okay, it's a chunky one.
14:20 Speaker 04 Yeah, but I mean, in construction, they can change it.
14:24 Caleb Hammer? Yeah, it certainly can.
14:25 Speaker 04 Even with elections and-
14:26 Caleb Hammer? It sounds like you told Colton that you think they laid her off to avoid maternity leave.
14:31 Speaker 03 I think so, yeah.
14:32 Caleb Hammer? Can you prove that?
14:34 Speaker 03 I mean, they start-
14:35 Caleb Hammer? How close can you prove that?
14:36 Speaker 03 I have like documentation. I was with the company a year and a half and they never like brought anything about my breaks, my, anything about like me taking too much time during my breaks or lunches or anything, so.
14:50 Caleb Hammer? Ah, okay, it's hard.
14:51 Speaker 03 Just during my pregnancy.
14:53 Caleb Hammer? You can show.
14:54 Speaker 03 Yeah, cause during my pregnancy, they started making a big deal out of it. And then I had, um- FMLA, I had approved work compensation or work accommodations and I had approved.
15:09 Caleb Hammer? So what's going on financially now in the household? What are things looking like today?
15:14 Speaker 04 It's a tight budget.
15:16 Caleb Hammer? You know, so no, I don't hope so, but I hope you're at least budgeting. I mean, is that 100% true if we go through your spending and income? Payroll that came in was 1,000 less than you suggested, well, 500. It was $5,836 came in. Okay. You know, maybe a shorter month, whatever. Maybe it was just less overtime that month. That's great. How much was spent in the household on our tight budget?
15:44 Speaker 04 Less than what came in.
15:45 Caleb Hammer? Huh?
15:46 Speaker 04 Less than what came in.
15:47 Caleb Hammer? Okay, so less than, what did I say, 5,836? What do you think?
15:52 Speaker 03 What, counting bills and everything?
15:54 Speaker 04 Oh, every.
15:55 Caleb Hammer? Everything?
15:56 Speaker 03 Sorry.
15:57 Caleb Hammer? You don't think bills are spending?
15:59 Speaker 03 I would say probably around 4,500.
16:01 Caleb Hammer? Okay, it was 8,042. What is this tight budget we're talking about? Because that doesn't seem tight. That seems like you're blowing all your money.
16:09 Speaker 04 Yeah, I don't know where that's been.
16:11 Caleb Hammer? And where's the tight budget if you don't know where the money's going? Isn't that what a budget's for? Isn't that what a budget would say? Where the money had gone, where it is going to go?
16:22 Speaker 03 I.
16:23 Caleb Hammer? Who runs the finances? What's the dynamic here?
16:25 Speaker 03 He definitely runs the finances.
16:27 Caleb Hammer? Okay, so you just take care of the kids and that's pretty much it?
16:30 Speaker 03 Yeah, and scheduling and all that, yeah.
16:32 Caleb Hammer? Scheduling?
16:33 Speaker 03 We have very active kids.
16:35 Caleb Hammer? So taking care of kids, okay.
16:37 Speaker 03 Oh, my God.
16:39 Caleb Hammer? Well, right, isn't it?
16:40 Speaker 03 Yes.
16:41 Caleb Hammer? You're scheduling the kids' things?
16:42 Speaker 03 Yes.
16:42 Caleb Hammer? That's taking care of them. Okay, that's a weird thing to take offense to, I guess. But you run the finances. How could you be so wrong by a lot?
16:55 Speaker 04 I mean.
16:56 Caleb Hammer? Over 2,000.
16:58 Speaker 04 I don't know, just kind of hoping that it would be less. I mean, I tried to get her involved in the finances, but it's just not, you know, it's not there. And I feel like it's maybe one of the things that's like holding me back from, you know, like. Marriage and whatnot, it's like
17:14 Caleb Hammer? Is what?
17:15 Speaker 04 We don't, we don't necessarily agree on like the finances.
17:19 Caleb Hammer? What do we disagree on? What's, what's the big conflict here?
17:23 Speaker 04 Her way of budgeting is just, I don't know, it just doesn't make sense, right? Like, I don't know, like it just, she says like, she tries to do it like week by week and saying like, you know, at the end of the week, we'll have extra money, but it's like, it's not really extra money, you know? And she thinks that it's free to spend.
17:40 Caleb Hammer? Well, how is she thinking this? Why, if you're the running, if you're the one running the finances, why is she thinking this?
17:46 Speaker 04 So she doesn't, she doesn't like the way I do it. So she tries to do her own way.
17:52 Caleb Hammer? What do you think? What do you not like? He says you don't like something.
17:55 Speaker 03 So I can show you, he uses this app that's called Budget.
18:00 Speaker 04 I use an app.
18:01 Speaker 03 I don't know, but he wants me to follow the-
18:03 Caleb Hammer? You should use Dollar Wise. New feature's launched today as filming.
18:07 Speaker 03 Oh, maybe it's, I don't know, but he wants me to go in there and like categorize everything. That annoys me and it's so tedious.
18:15 Caleb Hammer? Well, first of all, that's a bit weird because again, if you use Dollar Wise, it would be automatically categorized. Fix a couple of things once and then it automatically fixes it forever. So there we go. That solves that issue, but oh no, oh, I have all day.
18:30 Speaker 03 No, I don't. I have a three month old. I'm breastfeeding.
18:33 Caleb Hammer? But you can hold the phone while it sucks on the tit.
18:36 Speaker 03 No, you cannot. You have to support the head and the breast.
18:40 Caleb Hammer? Fair enough. Put it down then, look at the budgeting. This is like, these tweaking the categories things. If you do it every other day, does not take that long unless you're going out there and blowing all your money endlessly, constantly.
18:51 Speaker 03 Like lack of sleep. I, sometimes I don't even feel like I'm here. Like I'm like zombie mode. I'm like running on like fumes.
18:58 Caleb Hammer? Okay. So after we did two times to crack tax credit, had a household with her as a dependent, I guess. With the money you've likely set aside for taxes this year so far, I mean, you're gonna have to pay 3,317 ish in federal, not state taxes. And that was probably set aside this year so far already. So I think you might be okay. I'm extra careful. I don't know. I don't want to promise that. It is not my fault if you owe money by the end of the year, but that's at least what we're seeing. Okay?
19:27 Speaker 04 I'm just hoping my tax lady can work up some magic.
19:29 Caleb Hammer? Why do you have a tax lady, though? You're just literally, you know, you're taking standard deductions, saying you have a kid. Why do you have a tax lady? You don't really have a complicated thing. Are you a contractor?
19:38 Speaker 04 No.
19:39 Caleb Hammer? Yeah, exactly. Why do you need a CPA specifically?
19:42 Speaker 03 I started doing our taxes, so.
19:44 Speaker 04 So that they can work up magic?
19:45 Caleb Hammer? You the person that doesn't know the money of the household at all, nor the categories of anything that is happening? But is that not true?
19:51 Speaker 03 But I can do the taxes, okay?
19:53 Caleb Hammer? How? You don't know what the [__] is happening. How?
19:57 Speaker 03 You're so mean.
19:59 Caleb Hammer? Am I? You just, you don't know, can you, like, is there a rebuttal? It's like, you don't know what's happening. How are you the tax person?
20:06 Speaker 03 But when it comes to taxes, I can go through like the prompts and through the system and like.
20:13 Caleb Hammer? I mean, as far as I know, this is, this is what I have through the conversation you guys had with Colton before, is that you guys, who tries to sit you down in budget, and you just simply don't listen. You just don't [__] listen.
20:24 Speaker 03 I do listen.
20:25 Caleb Hammer? Oh, bull.
20:27 Speaker 03 He is so titty, he's very.
20:30 Caleb Hammer? Oh, he gets into the numbers and where they've gone?
20:32 Speaker 03 Yes.
20:33 Caleb Hammer? And what's the alternative?
20:34 Speaker 03 I just wanna have a breakdown of every week one needs to go out.
20:38 Caleb Hammer? My weekly budgeting, that just gets way too.
20:41 Speaker 03 Listen to me. I wanna go through everything that's on the week, every week, and then at the end of that week, have what we need for that week. So the amount we need, the amount that's set aside for future bills, so for next week or the week after. It works for me. When I was living by myself.
21:00 Caleb Hammer? You're incorrect.
21:01 Speaker 03 When I was living by myself and with my apartment and my own kids, I, it worked perfectly fine. And I was able to pay all my bills and I was able to pay a month ahead.
21:11 Caleb Hammer? No debt.
21:12 Speaker 03 I did have debt.
21:13 Caleb Hammer? Shut the [__] up then. What are you talking about? Clearly it didn't work if you had debt. Like, what? That doesn't make any sense.
21:19 Speaker 03 Well, I was saving up to buy our home, so it did work.
21:24 Speaker 03 Yes, I had debt, but unfortunately, sometimes I just had to put some stuff on credit card.
21:30 Caleb Hammer? As in your budget didn't work.
21:33 Speaker 03 Because I was learning to live on my own as.
21:37 Caleb Hammer? Learning?
21:38 Speaker 03 Yes.
21:38 Caleb Hammer? Well, when did you break up with this dude? Or how quickly did you guys? What you met, wait, six years ago, you guys met, right? You guys started dating six years ago? So what the are you talking about? What are you talking about? Are you talking about over six years ago?
21:49 Speaker 03 I literally live with myself for only like a year. So I learned to start paying for my own stuff and all that.
21:59 Caleb Hammer? This was so long ago. I don't give a.
22:01 Speaker 03 Okay, but I'm it's.
22:03 Caleb Hammer? And also, weekly budgeting just doesn't work because there's things that don't hit weekly. Rent's not a weekly thing. Car bills aren't a weekly thing. It doesn't make sense when a massive expense comes that might be thirty, forty percent of our income like rent. Sometimes fifty percent. That doesn't make sense to budget in weekly because a weekly amount wouldn't cover that. You have to budget it monthly and make sure you have enough money.
22:20 Speaker 03 Caleb, it doesn't work for you. I've talked to all my girlfriends and this is literally how we all like our brains work this way. Maybe this is like a male thing and a girl thing because.
22:30 Caleb Hammer? Oh, are you really gonna do guy math versus girl math on this shit?
22:35 Speaker 03 I swear to God, it's different. All my girlfriends have the same way of budgeting and.
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25:59 Caleb Hammer? Versus not, do they have debt?
26:02 Speaker 03 But again, you're a guy.
26:05 Caleb Hammer? What does that mean?
26:06 Speaker 03 I don't know. I don't go into their, like, their finances.
26:09 Caleb Hammer? Then why the are you listening to people you don't even know if their finances are working or not?
26:12 Speaker 03 Because I'm not gonna pride in their, like, personal life.
26:15 Caleb Hammer? But why do we trust that it works?
26:17 Speaker 03 I'm just saying that all of us girls think the same way.
26:23 Caleb Hammer? A little sexist.
26:24 Speaker 03 No, my clique, my little girlfriend clique, not all girls, just my girlfriend clique.
26:31 Speaker 04 Yeah, I don't, I don't get that. I don't.
26:34 Caleb Hammer? Do you hate them? They sound horrible.
26:37 Speaker 04 Well, no, I, I wouldn't say I hate them much.
26:40 Caleb Hammer? You guys have a clique name? The clique.
26:46 Speaker 03 You're such an ass. Thanks.
26:50 Caleb Hammer? Like, I, I, why are we listening to people if we don't even know if they're successful or not? Like, would I listen to a random person on the street or even a friend? No. Okay. For example, there is actually someone in my friend group who always tries to talk about, you know, what should be done in the world of business, yet he's never built a business in his life. Why would I listen to that person? Like, why would I?
27:11 Speaker 03 I'll ask them about their finances.
27:12 Caleb Hammer? If I saw them build a successful business, then let's do it. He has experience. He would know what's going on. He doesn't. So it's like, okay, I listen and I nod, and then I don't do the things he says because he has no world, real world experience with it. Why, like, you don't know if they, maybe they're complete failures, maybe they're not. And you don't see it on the outside. No one shows it on the outside in the United States. We just put everything on debt. And we look like we're living a good, normal, middle-class, upper-middle-class life, no matter who you are.
27:41 Speaker 03 True.
27:42 Caleb Hammer? Uh huh. So why the are we listening to them? Girl brain versus boy brain. This is stupid.
27:48 Speaker 03 I don't know. I just, I, it works better for me.
27:51 Caleb Hammer? Why would a boy do it different? Come on. If that's what you're gonna say, what's the why?
27:54 Speaker 03 It just, when he talks about it and he, like, breaks everything down, like, he wants everything very-
28:00 Caleb Hammer? Rationally instead of emotionally?
28:02 Speaker 03 You're so annoying.
28:03 Caleb Hammer? Come on, if you're gonna go boy brain versus girl brain.
28:05 Speaker 03 So meticulously and, like, he, like, wants everything categorized and it just, it-
28:11 Caleb Hammer? You don't want it categorized?
28:13 Speaker 03 No, I just wanna know, like-
28:14 Caleb Hammer? Housing should be in the same category as going to McDonald's.
28:18 Speaker 03 What? How?
28:19 Caleb Hammer? What? You're annoyed that he categorized his purchases and expenses?
28:24 Speaker 03 So that's why I just wanna know like what needs to go out every week? And what needs to like be set aside for future?
28:30 Caleb Hammer? But you don't know, wanna know to what? And also, weekly doesn't matter. Again, this isn't boy brain versus math brain. Let's say, what's your rent?
28:38 Speaker 03 Eighteen fifty.
28:39 Caleb Hammer? Okay, eighteen fifty.
28:43 Caleb Hammer? Divided by the what I'm gonna round down to as uh six thousand dollars, not six thousand two hundred, on a monthly basis. Okay, that's thirty percent. Now, there's usually four weeks in a month, right?
28:55 Speaker 03 Mm-hmm.
28:55 Caleb Hammer? Okay, do we agree on this?
28:57 Speaker 03 Yes.
28:58 Caleb Hammer? Do we agree on this? Uh, Colton, may I have a whiteboard? I just, I really wanna draw out what a boy brain thinks.
29:06 Speaker 04 See what I have to deal with when I'm doing a budget?
29:08 Caleb Hammer? Uh, yes, I would divorce her immediately, even though you're not even married.
29:11 Speaker 03 He's not married, so he can't divorce me.
29:13 Caleb Hammer? That's what I just said.
29:17 Caleb Hammer? Okay.
29:20 Caleb Hammer? So there's four weeks. Here's a week.
29:24 Speaker 03 My god.
29:24 Caleb Hammer? Here's a week.
29:26 Speaker 03 He's already doing it wrong.
29:27 Caleb Hammer? Here's, I'm doing it wrong?
29:29 Speaker 03 Yes.
29:29 Caleb Hammer? How am I doing it wrong? You don't even know what I'm doing.
29:32 Speaker 03 Eh, horizontal.
29:35 Caleb Hammer? These are four weeks, right?
29:36 Speaker 03 Okay.
29:37 Caleb Hammer? Okay, do we agree?
29:39 Speaker 03 Sure.
29:40 Caleb Hammer? One, two, three, four. Yippee, we figured it out. Now, if you're budgeting weekly of what money goes out on a weekly basis, well, fun fact, rent hits once. And, yeah, there it is. So that's the first week. Rent is thirty percent of income.
30:03 Caleb Hammer? If we're budgeting weekly, each week is only twenty-five percent of our income. That means this is cuz this is already overfilled by rent! You can't budget weekly cuz it's already gone! It's done, it's obliterated, it's ruined! You have to budget monthly because if you budget monthly, rent is only this! And then you can figure out what to do. You're week one, this doesn't make sense, you can't budget weekly!
30:30 Speaker 03 See, again, this is what makes sense to your-
30:32 Caleb Hammer? Okay, girl brain math, erase this and do it for me.
30:35 Speaker 03 So-
30:36 Caleb Hammer? Girl brain! Girl brain!
30:38 Speaker 03 Girl brain your face.
30:40 Caleb Hammer? What was the, what does that even mean?
30:42 Speaker 03 I don't know.
30:45 Speaker 03 Okay, so the way I like to do it is-
30:47 Caleb Hammer? Yes, the girl brain method.
30:50 Caleb Hammer? Gotcha.
30:51 Speaker 03 Okay.
30:51 Caleb Hammer? We went horizontal, yeah.
30:53 Speaker 03 So, I like to think of everything that's gonna come out this week and-
31:00 Caleb Hammer? Well, can you explain what everything is here? I explained what everything is, so I get, so you could follow.
31:03 Speaker 03 Okay, sorry, mortgage, the-
31:05 Caleb Hammer? What are the lines?
31:07 Speaker 03 This is one week, one week, two week, three weeks, and four weeks.
31:10 Caleb Hammer? Okay, so there was no line for the fourth week, that's interesting.
31:13 Speaker 03 Oh my god, see?
31:13 Caleb Hammer? I just wanna make sure I'm following along!
31:15 Speaker 03 You're like him!
31:16 Caleb Hammer? I'm just, what?
31:18 Speaker 03 You're so annoying.
31:19 Caleb Hammer? What the fuck are you on about?
31:21 Speaker 03 Anyways, so whatever needs to come out this week, I need to know what monies we need here. And then what's left over. And then, whatever monies from, left over here, I need to know what needs to go on the next week, the next week, and the next week, and what's left over for each week. And I would love to have whatever's left over here, go to the next month already.
31:47 Caleb Hammer? But it's not possible, no money would be left over.
31:50 Speaker 03 I want to build it up, so that we can have money left over. So that's the thing where I get annoyed with him, cuz I'm like, "Okay, you're telling me that this money's left over in the account?"
32:00 Caleb Hammer? Budget isn't savings. A budget's just like, the money going out that is in. Huh?
32:05 Speaker 03 I know, it's not savings.
32:06 Caleb Hammer? Then how can you only spend half of the first week, when your rent is thirty percent?
32:11 Speaker 03 I don't know what you're saying, but-
32:13 Caleb Hammer? What? If rent is thirty percent of your income, and each week is broken down to twenty-five percent, cuz you get paid weekly.
32:19 Speaker 03 This is what, you, like, guys, like, mentally cap yourself because you're like, "Oh, we're already like here."
32:26 Caleb Hammer? I'm just confused.
32:27 Speaker 03 We're already here, we're already spending all of this money, I'm like, "No!"
32:30 Caleb Hammer? Okay, maybe I'm mentally capping myself, can you ask, can you answer me how this works?
32:34 Speaker 03 You need to start building your money, so I need-
32:37 Caleb Hammer? So you're talking about reserves, you're talking about savings. Savings isn't budgeting, though.
32:41 Speaker 03 Are you gonna let me talk?
32:41 Caleb Hammer? Yes.
32:42 Speaker 03 Reserving money, and then having money set for the next month's bills already. So I need to have everything for the next month already. Every month, so right now, I want to have everything for November already.
32:58 Speaker 03 And then after that, I, once we have money left over and I know that we're gonna have everything for December, then I know that we have savings and that needs to go into a different account.
33:09 Caleb Hammer? Brought in less than 6,000 dollars and spent 8. I don't think what you guys are doing is working. Why are we, what's your thoughts on this? You're not saying a thing. Cause what the is, what am I witnessing?
33:21 Speaker 04 It's good, I'm still trying to understand her, Mate. We've had this conversation over and over and I still don't understand her. I like, I kinda get part of it, but she's like moving ahead to the next month when I'm still trying to figure out this month.
33:35 Caleb Hammer? I mean, she's, well, listen, when we're budgeting on a monthly basis, this is what a budget actually looks like is you say, we have this much money to spend. Or, well, the expenses are this and you tell your money where it's going. You're talking about reserves. You don't even know what's required on a monthly basis, cause you won't do a budget and figure out what categories are. When you're not willing to cut down and break down where money is going on a category basis, you can't know how much is required for the next month.
34:04 Speaker 03 But I do cut down. If he tells me like, hey.
34:06 Caleb Hammer? No, no, no, break down. You're not willing to see where money is going on a category basis. So you can't say what November costs to save up for in the month of October.
34:13 Speaker 04 I will say it's hardest to stick on a budget with three kids.
34:17 Speaker 03 Yeah.
34:17 Caleb Hammer? What do you mean? That's, are you telling me people with children don't budget?
34:22 Speaker 04 No, I'm not saying that.
34:23 Caleb Hammer? Shut up. This is more expenses, but you have to choose.
34:27 Speaker 04 I mean, I don't expect you to understand, you don't have any kids.
34:29 Caleb Hammer? No, but I have a budget, you do not.
34:31 Speaker 04 Yeah, but.
34:32 Caleb Hammer? I have money, you do not.
34:33 Speaker 04 But no kids.
34:34 Caleb Hammer? I've been successful in life, you have not.
34:35 Speaker 04 But you don't have any kids.
34:37 Caleb Hammer? You are 32 and you are further behind than I was at 1.
34:44 Speaker 04 And that's okay, that's a weird, like, I mean.
34:46 Caleb Hammer? So this has nothing to do with.
34:47 Speaker 04 That's fine.
34:48 Caleb Hammer? It's not bragging, but if you're gonna say, I don't understand, cause I don't have kids, oh, I understand numbers, big guy.
34:53 Speaker 04 No, I'm not.
34:54 Caleb Hammer? The children, a child is not needed to be involved to do a budget.
34:58 Speaker 04 I'm just saying it's harder to stick to the budget when there's kids involved.
35:01 Caleb Hammer? No, cause you just have discipline, big guy.
35:04 Speaker 04 Like, everything seems, you know, easier on the outside, like they say, it's easier said than done.
35:09 Caleb Hammer? Everything is easier on the outside than not, but if you have a little bit of discipline, you can commit to any realistic budget and you can follow it. You tell the money where it is going, if it is no, if you've overspent on a category, you tell them, no, we cannot go to McDonald's today.
35:25 Speaker 03 I will say my kids were not very used to being limited.
35:30 Caleb Hammer? First of all, first of all, a 12 year old and 17 year olds can handle a conversation saying, "Hey, we don't have as much money right now and we're trying to fix some of our mistakes."
35:37 Speaker 03 I wish you met my 17 year old.
35:38 Caleb Hammer? Okay, then your 17 year old's a piece of [bleep].
35:40 Speaker 04 But what about for like sports?
35:42 Speaker 03 Caleb!
35:42 Caleb Hammer? He's 17, he's basically an adult. She is a child. She's living the TikTok frontal lobe 25 year old life. She's almost 18, she can have independence, it's not for the military, 18 and she's being a dumbass? Wanna know a dirty little secret? And no, I'm not starting an only [bleep]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't.
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36:35 Speaker 03 No, she's not. She has a job, she works. She pays for a lot of her own stuff.
36:40 Caleb Hammer? She's not someone I'd wanna have in a workplace if she can't handle a conversation about needing a budget?
36:46 Caleb Hammer? If she is that immature of a...
36:49 Speaker 03 It's...
36:49 Caleb Hammer? Then I don't wanna hear [bleep].
36:51 Speaker 03 We are gonna fight.
36:52 Caleb Hammer? She needs to handle, she needs to handle conversations. If she can't handle, dude, she's about to literally potentially go to college and live on her own. And if she can't handle a conversation about how her parents need to come back, then I don't wanna hear [bleep] about her.
37:05 Speaker 03 I wasn't saying now. I wasn't saying now.
37:08 Caleb Hammer? You just said...
37:09 Speaker 03 When we first met.
37:09 Caleb Hammer? No, no, no, you just said, "I wish I could have heard the conversation with my 17 year old."
37:14 Speaker 03 When we first met, it was harder to tell her, no, she was only 12.
37:18 Caleb Hammer? Congratulations, it's not six years ago.
37:20 Speaker 03 Okay, you're right.
37:21 Caleb Hammer? I really don't.
37:22 Speaker 03 She now understands better, she not, when I lost my job, I sat down. You're right. When I set, when I set them down when I lost my job and I told them, hey, things are gonna be a little bit tighter. They understand. They do.
37:32 Caleb Hammer? Then why the bring up it's harder to budget with a child and they can't handle that conversation? What are you talking about? You're backtracking real quick.
37:38 Speaker 03 This is why we build up.
37:39 Caleb Hammer? Why do I care about earlier?
37:41 Speaker 03 Cause this is why we build up debt.
37:43 Caleb Hammer? What? Dude, I'm talking about now. You guys are saying it is harder to budget with children. It is an extra thing put in there. Of course, it's a little, the more and more things you put in there, the harder it gets. That is an objective reality. That doesn't mean you can't.
37:58 Caleb Hammer? So what are we talking about?
38:00 Speaker 03 They're very active. I told you this.
38:02 Caleb Hammer? Budget? Cause the two people that are supposed to be budgeting together can't agree how to budget. Can't agree on how to spend money. If there's bonus money, you blow it. You know all the numbers, even though you don't, because we talked about it and you didn't know what the was actually going on. And then she's just out there doing whatever, not even being involved. So that is what I would say makes it harder to budget out, cause you have children.
38:23 Speaker 03 Well, I will say, cause they're active, they have tournaments and such. So when they have things going on out of state.
38:29 Caleb Hammer? Budget.
38:30 Speaker 03 You're right. If I was involved in the budget, but when it's like things that they have going on, I just say, okay, yeah, we're going, we're going to California, we're going to Vegas.
38:38 Caleb Hammer? Then you're a bad mother.
38:40 Speaker 03 I wanna be there. I wanna go to the competitions.
38:43 Caleb Hammer? No, budget it in. You guys made money.
38:46 Speaker 03 Well.
38:46 Caleb Hammer? Guys also have that. How much debt you guys have? Oh.
38:49 Speaker 03 Yeah.
38:53 Caleb Hammer? Over a hundred thousand dollars of debt that's not even, that's not even the house. Literally. Wow. A hundred thirty three, a hundred thirty thousand dollars of debt that is not the house. That is not the primary mortgage.
39:07 Speaker 04 I didn't think it was that high.
39:08 Speaker 03 Yeah, I didn't either.
39:09 Caleb Hammer? Oh, good. I'm glad we know absolutely nothing. Uh, listen, you, I understand, cause you don't know a single thing in this world. I don't know how you've survived this long. You, you look at the numbers. How the you not know? Isn't our goal to pay off the debt? Apparently not. Not if you don't know how much debt there is.
39:23 Speaker 04 It's, it's difficult. You'll probably see once we start getting into finances, I kinda, she ran her finances one way and I did mine. I mean, you already saw. But obviously, you know, like she has her credit cards. I have my credit cards, you know, and so.
39:40 Caleb Hammer? She ran what?
39:41 Speaker 04 She has her credit cards and I have my credit cards and, you know, they're not all joined.
39:46 Caleb Hammer? But you don't communicate about the overall spending because obviously we have to put money towards the credit cards. When it comes to paying minimum monthly balances at a minimum, you guys just don't talk, do you?
39:55 Speaker 04 I mean, we try to, but like when she had a, she had a job, she had like some money from her paycheck put into her own account that.
40:03 Speaker 03 And I would just pay off my own credit cards.
40:05 Caleb Hammer? I mean, you guys aren't married. Maybe you should do finances separately for now. I'm more confused.
40:10 Speaker 03 So.
40:11 Caleb Hammer? Okay, so she wants to get married is what I'm picking up.
40:13 Speaker 04 But we can't like, I'm just asking for the simple thing.
40:16 Caleb Hammer? Makes more sense. So just get married. Six years in, we have a kid together, right? The kid was his, right?
40:21 Speaker 03 It makes sense.
40:22 Speaker 04 I just don't see like the point like.
40:24 Caleb Hammer? Well, I already gave some reasons.
40:26 Speaker 04 But it's like, I don't know, like, is it?
40:28 Caleb Hammer? Tax pennies.
40:29 Speaker 04 I don't think it's necessary. Like, I mean, we're.
40:31 Caleb Hammer? It's not, I guess a hundred percent necessary, but it makes complicated things a little less so.
40:36 Speaker 03 I already gave him a daughter.
40:39 Caleb Hammer? Gave him. Okay, interesting.
40:43 Speaker 04 But, I mean. We could probably, we could probably talk about that later, you know?
40:49 Caleb Hammer? What, the kid?
40:50 Speaker 04 No, no, no, no, marriage is down the line, you know?
40:53 Caleb Hammer? Why? I mean, I don't understand. You're blaming her running up on credit cards, but you're running up credit cards as well. Someone ran a train on her before. Now there's the seventeen and twelve year old that apparently we can't have a conversation with. Like, if that's just what we're blaming things on, like, I don't get it. Can't have a conversation with them?
41:10 Speaker 03 Yeah, see, he wants me to be financially responsible, but I'm not his wife, so I don't have to really listen to him.
41:17 Caleb Hammer? Come on, you guys are acting like life partners. I'd be okay if you relatively combined at least overall aspirations, even though legally you don't have those protections that would protect you afterwards, to just get married.
41:29 Speaker 03 Yeah.
41:29 Caleb Hammer? Why not?
41:32 Caleb Hammer? You don't have to do a big thing, just do it for the protections at a minimum.
41:36 Speaker 04 I think she wants to.
41:37 Caleb Hammer? What scares you?
41:38 Speaker 04 I think she.
41:38 Caleb Hammer? What scares you?
41:40 Speaker 04 What scares me is the like, that she is gonna want a, a big wedding.
41:43 Speaker 03 Oh my god, that's not even true.
41:44 Caleb Hammer? No, no, do that in a couple of years. Just get the legal protections now.
41:50 Speaker 03 Like go to the court and sign papers? No.
41:52 Caleb Hammer? Oh, okay, well, maybe you're right.
41:54 Speaker 03 But I was saying like, go, like, his mom has a really nice big house. So I was like, just do a backyard wedding. Like, I don't, I'm not even asking for like a big.
42:01 Caleb Hammer? Yeah, but you guys don't really have money to do that.
42:05 Speaker 03 But we can get padrinos.
42:07 Caleb Hammer? Okay, nobody knows what that is.
42:09 Speaker 03 Godparents. Well, it's not a.
42:12 Caleb Hammer? Godparents, what the f**k have to do with you not spending money?
42:15 Speaker 03 It's like a Mexican thing, like you ask for like, um.
42:19 Speaker 04 Basically, financial help.
42:20 Speaker 03 Yeah, to help you with certain things.
42:22 Caleb Hammer? That'd be great if they can, who knows their financial ability or if they would even want to, but I do, would they cover a hundred percent?
42:28 Speaker 03 No.
42:28 Speaker 04 I mean, they don't.
42:29 Caleb Hammer? You don't have money. You're overspending, you're f**k. How much retirement you got?
42:34 Speaker 03 Uh, right now, because I taking it out?
42:39 Caleb Hammer? Oh, that's a giggle. We're giggling at that. She's giggling. Hey, your future wife is giggling at the fact that she took money out of her retirement.
42:45 Speaker 03 I lost my job three times and that's why I had to take it out.
42:47 Caleb Hammer? Stop getting fired.
42:48 Speaker 03 I'm not getting fired on purpose.
42:52 Caleb Hammer? Well, does anyone, I guess, that's kind of quiet quitting in a way?
42:57 Speaker 03 Yeah, that's a trend, but I'm, that's not what I'm saying.
43:00 Caleb Hammer? Now it's quiet firing.
43:01 Speaker 03 I had some really bad things happen in my life, some family losses, and unfortunately affected my job performance, and that's why.
43:08 Caleb Hammer? Three times?
43:09 Speaker 03 Yes, three times. Unfortunately, my mom and my baby sister, um, passed away one year apart.
43:16 Caleb Hammer? Yeah, it's f**ked up. It's f**ked up, and I'm sorry, but.
43:20 Speaker 03 I was probably not the best employee, I'm not gonna lie.
43:22 Caleb Hammer? I mean, knowing this and your lack of communication with the person you want to marry, I highly doubt you communicated with the boss of what you're going through. And I mean, they will give some grace. Most normal bosses will give some grace. But not permanent grace.
43:33 Speaker 03 I asked for a couple, they, they literally asked me to go back like a week after my losses, and I'm like, I need more time. They're like, well.
43:40 Caleb Hammer? Where were your jobs? Not the companies, just like what was the like job?
43:45 Speaker 03 The first one was at the Financial Credit Union. The second one.
43:49 Caleb Hammer? Okay, so yeah, it's a credit union. You're right, they're gonna be more corporate. You know, you gotta do the job, they can replace you like that. That's fair, that makes sense. I understand it. That's not how I would run a business, but I get it. Okay, next one.
44:00 Speaker 03 The next one was administrative assistant.
44:02 Caleb Hammer? Well, yeah, they kinda need that almost like 24 hours a day. So I also kind of understand that one. Would again, would I do it? Not necessarily, but I understand that you're gone.
44:10 Speaker 03 Yeah.
44:11 Caleb Hammer? Third one?
44:11 Speaker 03 The second one was my, um, was my baby sister. So that one really affect me.
44:16 Caleb Hammer? Well, yes, I get that. I understand it, but I also understand the job.
44:20 Speaker 03 Yeah.
44:20 Caleb Hammer? Like they can just go get someone in like two seconds.
44:23 Speaker 03 No, for sure.
44:23 Caleb Hammer? Okay, and the next job was?
44:25 Speaker 03 Well, the latest time was because.
44:28 Caleb Hammer? I know, but what was the job again?
44:29 Speaker 03 It was just processing like back.
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44:59 Caleb Hammer? Again, an easy one to replace. So I understand why they would want someone in there who's just gonna do the job, even if there's tragedy going on. Sucks, but I do understand it. Guys, there's so many things to talk about. Okay, but I just, I have to get into these finances. I'm just, my big concern is we're getting these finances, but we haven't even come close to any kind of resolving of just how you guys view budgets. Because if you, if you guys, we can walk out of here understanding the debt and where the spending is. But if you guys are not aligned on how to budget and how to communicate, there's no conversation. You guys are.
45:31 Speaker 03 I will, I promise if we have a good plan and a good way to get out of debt after this, I promise I will.
45:38 Caleb Hammer? Girl, you won't even monthly budget.
45:40 Speaker 03 I'm saying I will start doing it.
45:42 Speaker 04 I tried to get her to, to do a budget for this month and.
45:46 Caleb Hammer? What happened?
45:47 Speaker 04 She, she fell through. She didn't, she didn't do it. I, I told her before the, the previous month ended. Uh, like, hey, can you work on it? That way like, you know, you can put in things that you wanna do or like, you know, like if there's certain like things that you wanna spend on, um, that you can put it on there and see, so you know, you know, how we're gonna be for that month. And she couldn't do it.
46:06 Speaker 03 And now he wants me to ask permission every time I spend.
46:09 Caleb Hammer? Ah, the permission thing gets a little weird and not the marriage or the dynamics is a little weird.
46:14 Speaker 03 And I'm not why.
46:14 Caleb Hammer? Because you're an incredibly untrustworthy person when it comes to finances. When it comes to finances, not saying you're going out there and taking dick every day. I'm not saying that. Neither is he, I don't think. I don't think he's taking dick every day either.
46:26 Speaker 03 I don't think you are either.
46:28 Caleb Hammer? I'm not taking dick every day. I'm giving dick.
46:31 Speaker 03 We'll have to ask your partner to confirm that, but yeah.
46:34 Caleb Hammer? She'll confirm that. And also, we have fun.
46:38 Caleb Hammer? We have fun. I'll tell you that. Uh, but also, uh, yeah, but money, trustworthy. So I understand that and, you know, and then it gets a little maybe overcontrolling, where it's like permission for spending. It's just like, it's hard, it's hard, it's hard, it's hard, it's hard.
46:54 Caleb Hammer? I'm gonna go three, two, one, point. On point, I want you guys at the exact same time to give me what you think your financial score is, zero to 10, zero being the worst, 10 being the best, okay?
47:03 Speaker 03 Okay.
47:04 Caleb Hammer? Three. Trace, dose, uno.
47:09 Speaker 03 Five.
47:09 Speaker 04 One.
47:11 Caleb Hammer? Almost at the same time, you're, why, again, why five? Why do you think you're middle of the road?
47:16 Speaker 03 Caleb, what F you, okay? I think everybody has debt, um.
47:20 Caleb Hammer? Okay, that's not true, but yes, Americans love debt.
47:23 Speaker 03 I think that, I really think that I try not to spend as much or try to like do everything I wanna do, so
47:35 Speaker 03 I try to hold myself back and not spend as much.
47:40 Speaker 04 I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself and like she doesn't care about the numbers, like what the numbers are showing. She just think everything is just gonna get resolved out of nowhere.
47:56 Speaker 03 Magically.
47:58 Caleb Hammer? Eras Rita Swara.
48:01 Speaker 03 No, you said it wrong.
48:03 Caleb Hammer? But I was close enough to get my point across.
48:05 Speaker 03 Tu eras retrasado mental.
48:07 Caleb Hammer? Don't speak. I don't speak terrorist. Hi, listen here, financial audit. I've curated the exact resources and tools I personally use, or would use if I was in certain situations. So, take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount, and up to 8.1% APY on your money, and up to 3.5 matches for your IRA. And then, number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus
48:52 Caleb Hammer? when you sign up with direct deposit and get almost 4% on your money just sitting there. And then, three, automate your investing with Acorns. Usually, sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these. Change your life today. All right, ladies and gentlemen, if, I don't know, that could have been, you could have, that could have been a full Al Qaeda. I don't know what's happening.
49:37 Speaker 05 You know I'm Mexican.
49:38 Caleb Hammer? I don't know what other languages you speak. All I know is I got a little intimidated, okay? That's all I'm saying. That could have, the fuck, could have been with the chanted before the fucking plane hit. I don't, I don't know what's happening right now, okay? That all sounds gibberish to me.
49:52 Speaker 05 You are gibberish.
49:53 Caleb Hammer? I am from West Michigan where I saw approximately two people that weren't white my entire life before coming down to this diverse location.
50:02 Speaker 05 I did that. You're from Texas this whole time.
50:04 Caleb Hammer? Nope. If you watch your financial score, Hammer Financial Score, trust me, you're probably not a five out of 10 unless you're doing halfway decent, then you know, you'd be getting up there. See where it is, see where you need to do better, see where you're already doing pretty okay. See where you're completely [bleep] CalebHammer.com. It is free. If you don't want to be like a guest who ends up on the show, download the Dollar Wise Budgeting app, sign up for your free trial, and if you like it, you can sign up for the annual version to save a ton of money. And when you do, only for a couple more months, I will personally sign my budget from the cookbook and mail it directly to you. DollarWise.com. Okay, here we go. We got our chunky one at the beginning. So yeah, I mean, on your record, and when people do employment
50:46 Caleb Hammer? searches, I mean, your record is going to show firing on a lot of the employment databases. If they mark that as such, they will see you as fired for performance. How are you going to get another job? I don't even know. I'm concerned. Three firings? Unless they're not marked as firings and it's like layoffs, stuff like that. Okay, that'd be different, but straight up fire?
51:08 Speaker 03 I'm not sure, but I've been very lucky getting higher.
51:12 Caleb Hammer? Yeah, to what wages? Because these don't sound like...
51:15 Speaker 03 I mean, my last job was probably the worst one that I had. I was making like 19.
51:21 Caleb Hammer? It's going down. Yeah, 19. Phoenix ain't cheap, but you guys together, now it provides, it provides. It's not bad. But of course, on your own, I mean, I don't know. But $7,787 out of the gate, chunky as [bleep]. Of course, you guys couldn't send a statement because people don't know how to use [bleep] thing. Who has this on the...
51:44 Speaker 04 There was no statement for that one.
51:45 Caleb Hammer? There always is. Who has their phone?
51:46 Speaker 04 No, there was no statement.
51:47 Caleb Hammer? There is. Who has their phone?
51:48 Speaker 03 Yes, there is.
51:48 Caleb Hammer? Yes, there is. There always is. There's no such thing as not a statement.
51:51 Speaker 04 There's not a statement.
51:51 Caleb Hammer? Dude, this is Discover. They have statements, you dick. Pull it up!
51:56 Speaker 03 Statement summary right there.
51:57 Speaker 04 It's coming up. It's loading. Your wifi sucks.
52:02 Speaker 04 It's literally loading. See?
52:05 Caleb Hammer? Oh, I believed you. I didn't think it wasn't literally loading.
52:09 Speaker 04 But I wanted...
52:10 Speaker 03 I sent my discovery in a statement.
52:12 Speaker 04 I don't know if you want to look at it, but there wasn't a statement.
52:14 Caleb Hammer? That's why I asked for it.
52:15 Speaker 04 Because, um... Because if you can see on the screenshot right there.
52:19 Caleb Hammer? What's your normal minimum monthly payment, big guy? Okay, here it is. 156.
52:23 Speaker 04 156, yeah.
52:23 Caleb Hammer? Wow, that's never gonna get paid off.
52:25 Speaker 04 It barely came up, right? Because I barely did that.
52:28 Caleb Hammer? So I clicked "View Statements"?
52:30 Speaker 04 Oh, yeah.
52:31 Caleb Hammer? Then I clicked "September", and then there's the statement.
52:35 Speaker 04 At that time I sent it, there was only the...
52:36 Caleb Hammer? Whoa, that was hard.
52:37 Speaker 04 There was only the screenshot available.
52:39 Caleb Hammer? That was a very difficult thing.
52:41 Speaker 04 No, I couldn't do the previous one.
52:44 Caleb Hammer? Fees, $370. The fees. Was this a transfer?
52:47 Speaker 04 Yes.
52:47 Caleb Hammer? Oh, dude, Chunky, why?
52:52 Speaker 04 Because we couldn't afford to pay it.
52:54 Caleb Hammer? No shit? Can you even afford this?
52:56 Speaker 04 Well, we, at the time, we couldn't. So, this is when she, like, lost her job, so like, we weren't gonna like... We're gonna take a cut.
53:04 Caleb Hammer? Not having an emergency fund is an emergency. You never know when you're gonna lose a job. You never know when you're gonna be pregnant and [BLEEP] same time. You never know when that's gonna happen. And that is very, that is a scary combination, lady! Then all of a sudden, you get fired from three jobs in a row.
53:21 Speaker 04 So I had to do that balance transfer. It's not like I wanted to, but I had to do it because we weren't gonna be able to afford like all the bills for the next month, so in order to...
53:29 Caleb Hammer? Yeah, I mean, I would've called first and like asked for hardship due to a layoff, and they would've put you at like a low, like 1% rate thing for a little while. Usually, they're pretty lenient. They would've done that for maybe six months. Instead of taking this massive 10% fee out of the gate, you just got, well, not 10%, let's see, what did we get hit with?
53:46 Speaker 03 Can we do that with Discover now?
53:47 Speaker 04 They said it was 5%.
53:48 Caleb Hammer? Yeah, 5%. You just got hit. That wasn't 5% accruing, that was 5% just...
53:52 Speaker 04 But now I got 0%.
53:53 Caleb Hammer? For a second.
53:55 Speaker 04 Which is gonna make up for it.
53:57 Caleb Hammer? For a little bit. If you called, you wouldn't have had an extra fee, maybe 1%.
54:00 Speaker 03 Can we do that now?
54:01 Caleb Hammer? Well, it doesn't matter. It's transferred onto a 0% card.
54:04 Speaker 04 But again, it was just to make, it was just to make, um...
54:09 Caleb Hammer? It's not for that long, we're talking like, it's not even a full year from now.
54:13 Speaker 04 I think it was like, I don't remember if it was 10 months or 12 months.
54:16 Caleb Hammer? 10.
54:17 Speaker 04 10?
54:18 Caleb Hammer? Which is not less than that. So it's luckily, I mean, it's not accruing deferred interest, but this thing's fucking chunky dude. This is a huge debt. Decades to pay off, decades to pay off. Minimum monthly payments only without purchases, and that's if you don't purchase, because you do have a little room to purchase. $1,713 of purchases can be done.
54:40 Caleb Hammer? That's crazy. Now, why'd you rack up that credit card in the first place? They had to be transferred. Because here's the reality, you weren't racking up that credit card when you're laid off, you transferred, because you're, well, not laid off, fired.
54:51 Speaker 04 So, a lot of the balances, I like to give gifts. So when Christmas time, birthdays come around.
55:01 Caleb Hammer? $7,787 of gifts last Christmas?
55:04 Speaker 04 We've also, you know, taken trips. Uh, last year, we went to Miami.
55:09 Caleb Hammer? Not without an emergency fund, that makes no sense. That makes no sense.
55:14 Speaker 04 I mean, it makes sense at the time.
55:17 Caleb Hammer? It does not. It never makes sense. Nothing makes sense about spending fun money when you do not have an emergency fund, because look where we are today, you just ate 5% and like that, because you didn't have an emergency fund to cover your payments for six months.
55:28 Speaker 04 But it was, it was to go see Lionel Messi. I mean, I don't know if you're.
55:33 Caleb Hammer? In Miami FC?
55:35 Speaker 04 No, it was, uh, it was, uh, was it Copa America? Yeah. Yeah, it was like international.
55:39 Caleb Hammer? What did you just say?
55:40 Speaker 04 Argentina. American Cup.
55:42 Caleb Hammer? Don't intimidate me again.
55:44 Speaker 04 American Cup. That's just the name of the competition, but it's an international, so it wasn't with Miami.
55:48 Caleb Hammer? In Miami, but their soccer stadium's about a thousand years from downtown.
55:52 Speaker 04 It's football. But they don't go, they don't go to Phoenix. Like, the World Cup's coming up next year, so.
55:57 Caleb Hammer? You know who invented the term soccer?
56:00 Speaker 04 Maya. No. The Mayans. No, the US.
56:04 Caleb Hammer? The British?
56:31 Speaker 03 Oh, I don't know about that. But the Mayans started it first.
56:34 Speaker 04 They still call it football in London.
56:35 Speaker 03 Yeah.
56:35 Caleb Hammer? They sort of do, but a lot of places call it football. Soccer.
56:40 Speaker 03 No, only America does.
56:41 Caleb Hammer? Nope, that is not true. That is not even close to true. I believe it's Australia, many Asian countries.
56:46 Speaker 03 All of the Asian countries that I've listened to.
56:48 Caleb Hammer? I said Asian, some Asian countries, dick.
56:51 Speaker 03 You're the dick.
56:53 Caleb Hammer? Yes, I embrace it.
56:55 Speaker 04 But yeah, that's what, that's, I mean.
56:56 Caleb Hammer? Okay, that was 100% necessary when we didn't have an emergency fund to cover ourselves when an emergency happened, and now an emergency has happened.
57:02 Speaker 04 She's had a job at the time. I didn't think.
57:04 Caleb Hammer? Well, but you didn't have an emergency fund. That is when you build an emergency fund. You don't build it when an emergency is happening. That's when you spend it, you dumb. Like, what do you think an emergency fund is for? It's an emergency.
57:14 Speaker 04 Well, there was still room in that credit card for the, for an emergency.
57:16 Caleb Hammer? Oh, my fucking credit card? And look where we are today. You just had to transfer because you can't cover the minimum monthly payments.
57:21 Speaker 04 But now the other one's zeroed out. So now that one's the emergency.
57:27 Speaker 04 So in case something does happen, that one's, you know, free. It's ready to go.
57:31 Caleb Hammer? Freaking ready to go? So that's, so that's what it is. So we spend it on an interest accruing card now that we're, also that we can see Messi?
57:38 Speaker 04 I mean, I'd say it was, it was worth it.
57:41 Caleb Hammer? No, because now you guys are literally dying, and I'd say your kids are more important than Messi.
57:46 Speaker 03 Yes.
57:46 Speaker 04 Yeah, I would, I would say that too, but, I mean, you, you have to see Messi before he retires. Like, it's just a must as a soccer fan.
57:54 Caleb Hammer? To be clear, your future three year, the three month old, when you see this in the future, your parents prefer Messi over you.
58:01 Speaker 03 No, she wasn't even born then.
58:03 Speaker 04 Yeah, she wasn't born.
58:35 Caleb Hammer? Dude, was she pregnant?
58:37 Speaker 03 No!
58:38 Caleb Hammer? Okay, well, the seventeen-year-old and twelve-year-old, when you hear this tomorrow. Yeah.
58:43 Speaker 03 They have their dad.
58:44 Caleb Hammer? Okay. The United States, Canada, Australia, New Zealand, Japan, South Africa, Papua New Guinea, they call it soccer.
58:52 Speaker 03 Oh my god, alright. Ninety percent of the world calls it football.
58:57 Caleb Hammer? Yeah, cuz they're too f**ked to afford anything other than a ball.
59:01 Speaker 03 You're an idiot. A lot of-
59:03 Caleb Hammer? Good one.
59:04 Speaker 03 A lot of places play other sports, but mostly they call it football.
59:08 Caleb Hammer? Well, yeah, I mean cricket and the places where they like to eat crickets.
59:12 Speaker 03 You're so stupid. Sure, sure, Caleb.
59:16 Caleb Hammer? Can't eat cows, so they try to get their protein somewhere.
59:19 Speaker 03 You don't follow sports.
59:21 Caleb Hammer? Well, I heavily follow sports. What are you talking about?
59:23 Speaker 03 Apparently not.
59:24 Caleb Hammer? Patriotic sports. Freedom.
59:28 Speaker 03 NFL, America.
59:30 Caleb Hammer? I just, I mean, I don't get it. I mean, you're wearing a Japanese something where they call it soccer.
59:36 Speaker 03 They call it football. I've listened to Comcast, they call it football.
59:42 Caleb Hammer? You've listened to Comcast?
59:43 Speaker 03 Yeah, like when they're the announcers, where they're commenting, commenting.
59:48 Caleb Hammer? Commentating?
59:48 Speaker 03 Commentating.
59:49 Caleb Hammer? Better. Ooh, footballer. That's what you hear? That's what you hear? Oh, they call it football.
59:57 Speaker 03 You're an idiot, so...
59:59 Caleb Hammer? How have you not gotten cancelled?
1:00:00 Speaker 03 Seriously?
1:00:01 Caleb Hammer? I'm a constable. I'm full goon to the max every day. If you're full goon to the max and everyone knows you're a goon, no one gives a f**k when you're a goon. Who, also, we're done with cancel culture. No one gives a f**k. Pearl clutches, TikTokers, Redditors, they have been shunned to the edge of society. Sponsors don't care. The real people who are not terminally online don't give a f**k. There is no cancellation.
1:00:21 Speaker 03 After they tried to cancel Eminem, I was over it. I was like, dude, that's-
1:00:24 Caleb Hammer? They tried to cancel me like fifty times. It doesn't work.
1:00:25 Speaker 03 No.
1:00:26 Caleb Hammer? Why would it? I don't have a bunch of pussies in the audience.
1:00:29 Speaker 03 I do love your hair, by the way.
1:00:31 Caleb Hammer? And I really don't like yours. So PayPal Credit, this is Natasha.
1:00:38 Speaker 03 Oh my god, Bolton.
1:00:40 Caleb Hammer? I just have, yeah. Yeah, cuz there's no statement, so he wrote it on a piece of paper and printed it. Four thousand five hundred, she does not have the statement. Can you pull it up on your phone?
1:00:49 Speaker 03 No, I got blocked.
1:00:51 Caleb Hammer? What is wrong with you in every way?
1:00:53 Speaker 03 Are you gonna let me say it?
1:00:55 Caleb Hammer? Well, I really like hearing you not talk, so I try to interrupt you, but I'll give you this moment.
1:00:59 Speaker 03 My god. So I got blocked from that one because I was not able to make the monthly payment because...
1:01:07 Caleb Hammer? Well, we could go to [bleep] Emmy.
1:01:09 Speaker 03 No.
1:01:09 Caleb Hammer? Not your tits.
1:01:10 Speaker 03 Because when I made a purchase, I don't know how or why, but apparently they opened, it opened like a debit card instead of what was my credit card? And it charged that. So I had no idea. Yeah.
1:01:24 Caleb Hammer? Wait, no, no, what? They opened up a debit card instead of a credit card?
1:01:29 Speaker 03 Yeah, so I had my credit card already. And then somehow I charged up a debit card with them. I haven't, I didn't know I even had...
1:01:37 Caleb Hammer? Charged up a debit? What is she saying?
1:01:39 Speaker 03 Okay.
1:01:40 Speaker 04 I don't know, so that's one of the accounts that she handled on her own with the money that she was getting on the side to her own account. So I have no idea. I do, I do remember just seeing statements about it, like past due. And when I talked to her, she said she was gonna get, she was gonna take care of it, but that never happened.
1:01:57 Caleb Hammer? Still confused on what you're trying to say. I'm really, really confused.
1:02:02 Speaker 03 I was on PayPal, I was making a purchase.
1:02:04 Caleb Hammer? I'm sorry, listen, here, here's the reality. Here's the reality. When you set yourself off as being the arbiter of girl brain versus boy brain, you are gonna make us as a country repeal the 19th Amendment. You being the [bleep] arbiter of women.
1:02:19 Speaker 03 I am not the arbiter of women, by far.
1:02:21 Caleb Hammer? You're really trying to frame it.
1:02:23 Speaker 03 Please follow Jessica Crocker, she's better.
1:02:28 Caleb Hammer? Do we know Jessica Cocker?
1:02:30 Speaker 03 She's, isn't she one of your representatives, Texas?
1:02:32 Speaker 06 It was at this moment that he knew he fucked up.
1:02:35 Speaker 03 Oh Jasmine, sorry Jasmine Cocker.
1:02:38 Caleb Hammer? You don't even know the people of the...
1:02:39 Speaker 03 She is not my representative.
1:02:41 Caleb Hammer? Not my representative?
1:02:42 Speaker 03 Oh, well, sorry.
1:02:44 Caleb Hammer? I don't think.
1:02:45 Speaker 03 She's Texas.
1:02:46 Caleb Hammer? Isn't she Houston or something? I don't know. Continue.
1:02:50 Speaker 03 Okay, well, I was making a purchase on PayPal, then when I went to check out...
1:02:55 Caleb Hammer? Shakira tickets.
1:02:57 Speaker 03 When I went to go check out, it charged a debit card with PayPal that I had no idea I even had or was a option.
1:03:05 Caleb Hammer? While at the same time also lying to him about the overall price.
1:03:09 Speaker 03 No.
1:03:10 Speaker 04 You lied about the price?
1:03:11 Caleb Hammer? Yes.
1:03:12 Speaker 03 No.
1:03:12 Caleb Hammer? She didn't tell Oscar the full price of the tickets, yes.
1:03:16 Speaker 04 What the [bleep]? Like, seriously?
1:03:19 Speaker 03 I'm sorry, it's just, um, I, I didn't get to see her the first time because my friend was getting married. So this time, I really wanted to go see her and I just wanted to secure the tickets and I wanted four tickets.
1:03:31 Speaker 04 So I, I had a great time at the show, but, I mean, I... She, you know, she had set a price and I was like, you know, okay, like, you know, I got to see Messi, so you know, you could see Shakira.
1:03:43 Caleb Hammer? Messi doesn't shake it like her.
1:03:46 Speaker 04 But, I didn't know she had lied about the price, I mean, so how much was it?
1:03:51 Speaker 03 Sorry.
1:03:53 Speaker 04 Yeah, that...
1:03:54 Caleb Hammer? How much was it?
1:03:55 Speaker 03 For all three tickets, because we took my daughter, it was 4,500.
1:04:00 Speaker 04 What the [bleep]? That's way more...
1:04:03 Caleb Hammer? That's insane!
1:04:04 Speaker 04 That's way more than what we had agreed.
1:04:07 Speaker 03 And I was pregnant.
1:04:10 Caleb Hammer? That's insane!
1:04:12 Speaker 04 Still though, like...
1:04:12 Caleb Hammer? What the [bleep] wrong with you? What did she tell you it was?
1:04:15 Speaker 04 It was two, 2,000?
1:04:19 Caleb Hammer? More you have!
1:04:21 Speaker 03 But it was Shakira and I don't know what else I'm gonna be able to see.
1:04:23 Caleb Hammer? Shakira!
1:04:26 Speaker 03 Hips on mine.
1:04:27 Speaker 04 But you're serious? It was four grand?
1:04:29 Caleb Hammer? You're a liar.
1:04:30 Speaker 03 Yeah, sorry.
1:04:33 Speaker 03 But I didn't get to-
1:04:33 Caleb Hammer? She doesn't give a [bleep]. Dude, why? I'm sorry, I'm sorry. Listen, she... You seem like a fun person to go to the bar with, but not a fun person to live the rest of life with because you're a liar and can't communicate in any way whatsoever.
1:04:48 Speaker 03 This is the only time that I-
1:04:49 Caleb Hammer? Why the [bleep] are you with her long-term partnership? I would agree. A friend, maybe you stick it in sometimes, friends with benefits, I'm okay with that. Oh, life partner? Why the [bleep] are you choosing this one?
1:05:01 Speaker 03 God.
1:05:02 Caleb Hammer? Oh, she let her roll the collections. Yeah, that's right. Okay, great. She's-
1:05:04 Speaker 04 Yeah, that was the-
1:05:05 Caleb Hammer? Champion, hero, hero of us of all. Hero of all of us. The [bleep] speaker of all women.
1:05:10 Speaker 03 No, I am not. I am not the speaker of all women. Please do not-
1:05:15 Caleb Hammer? Girls think this way, boys like you think that way.
1:05:17 Speaker 04 Yeah, so I did see the statements coming in and I kept telling her and telling her and like, she just never like-
1:05:22 Caleb Hammer? She doesn't listen. She's a strong, independent woman that can't be stronger, independent.
1:05:26 Speaker 03 Never said I was an independent woman.
1:05:28 Caleb Hammer? Yeah, that's as clear as day. You wouldn't last a second. You did a year on debt.
1:05:34 Speaker 03 I did not do a year on debt.
1:05:37 Caleb Hammer? You literally said you were putting it on debt sometimes.
1:05:39 Speaker 03 Like, once or twice, not like all the time.
1:05:43 Caleb Hammer? Once or twice is living it on debt, dude.
1:05:45 Speaker 03 Oh my goodness.
1:05:46 Caleb Hammer? You couldn't live on your own. So this thing collections, there's no minimum payment anymore.
1:05:51 Speaker 03 No, I have no access to it. I have no idea what it is, where it is, nothing.
1:05:56 Speaker 04 It's up in the air. Oh, it'll get herself magically. That's her way of thinking. I'm sure she's gonna come back and bite us [bleep].
1:06:05 Speaker 03 I don't know. Like, I tried calling them and I told them I needed access to the PayPal account so I could make payments and they never, like, they were like, "Okay, let me get you over to PayPal." I'm like, "I'm not calling already?"
1:06:15 Caleb Hammer? I will say this for what it's worth, PayPal phone support is absolutely horrendous. Me just trying to log into my PayPal sometimes is [bleep]. No, PayPal is horrible, but-
1:06:25 Speaker 03 I tried, I promise I did try.
1:06:27 Caleb Hammer? Okay, this is what I'm getting. This is what I'm getting. I'm getting this from Colton. He's engaged to, may we say, a hot Colombian man. Like, Vera, he puts, "Are you Colombian?"
1:06:40 Speaker 04 No.
1:06:40 Speaker 03 No.
1:06:42 Caleb Hammer? You're kind of Colombian. He-
1:06:45 Speaker 03 Okay, you're kind of Canadian. I'm from Michigan.
1:06:48 Caleb Hammer? Exactly, yeah, I got poutine on the breath dude. Uh, but like, he's like, he's like you but hotter. And, um, and they love Shakira.
1:06:57 Speaker 03 Yes.
1:06:57 Caleb Hammer? But they would never pay that much.
1:07:00 Speaker 03 Stop lying.
1:07:02 Caleb Hammer? No, he would've gone.
1:07:04 Speaker 03 Stop lying. And he met Shakira, so he doesn't have a reason to go.
1:07:10 Caleb Hammer? Well, yeah, he's done, apparently he's like best friends with Trisha Paytas. I didn't even know this, like this, this blows my fucking mind. Like every day I learn new pieces of lore that is crazy. Uh, but, uh, okay. But not even they will go.
1:07:26 Speaker 03 Sorry.
1:07:27 Caleb Hammer? No, they're full like the nose Colombian.
1:07:31 Speaker 03 Damn.
1:07:33 Speaker 04 Again, I had fun at the show, but
1:07:35 Speaker 03 I danced on my
1:07:36 Speaker 04 not knowing how much it was, but
1:07:38 Speaker 03 See, and he was happy, not knowing
1:07:40 Speaker 04 I was at the time, not anymore.
1:07:42 Caleb Hammer? Ladies and gentlemen, you know him, you love him from the Hammer Squad and Hammer Elite. We have, you can come here. Uh, a, uh, the, the native Colombian himself.
1:07:53 Speaker 06 I'm the host, yes he is.
1:07:54 Caleb Hammer? I need a Colombian score, zero to 10, from Mr. Rico? Oscar.
1:08:00 Speaker 03 He is not Colombian.
1:08:02 Caleb Hammer? A Colombian score zero to 10, you can ask a few questions, then give him a score. Zero is no Colombian, 10 is full Colombian.
1:08:08 Speaker 06 Full Colombian. What part of Colombia are you from?
1:08:11 Speaker 04 Medellin.
1:08:12 Speaker 06 Okay, he has an accent, one point. Uh, what's your favorite Colombian food?
1:08:17 Speaker 04 Uh, I would take off, uh, yeah.
1:08:20 Speaker 06 That's a lot of thinking, minus one point. What's your favorite part about Colombia?
1:08:24 Speaker 04 My favorite part, uh, the places, the people.
1:08:27 Speaker 06 That's minus one point.
1:08:30 Speaker 06 Now, the Colombian accent is known to be one of the best Spanish accents. Can you give me a few Spanish words?
1:08:36 Speaker 04 Uh, I just know chimba.
1:08:38 Speaker 06 Minus one point, he's already at negative two points Caleb.
1:08:41 Caleb Hammer? So is he a zero out of 10?
1:08:42 Speaker 03 Don't they say Marica too?
1:08:43 Speaker 06 He's a negative two out of 10, one more, soccer, it's a big part of Colombian culture. Who's your favorite Colombian player?
1:08:49 Speaker 04 Uh, James Rodriguez.
1:08:51 Speaker 06 He gets one more point.
1:08:52 Caleb Hammer? What's he at, what's his overall score, zero to 10?
1:08:54 Speaker 06 Negative one out of 10.
1:08:55 Caleb Hammer? Okay. If you want your Hammer Colombian score, go to calebhammer.com forward slash Colombian.
1:09:05 Speaker 03 Shouldn't Colton be like the scorer?
1:09:09 Caleb Hammer? Colton takes Colombian dick, he's not Colombian.
1:09:13 Speaker 03 Okay, never mind, I don't want you to score that.
1:09:15 Caleb Hammer? Okay, so I guess I can move on if we don't have that and we don't know what it is here now. I'm sure it'll hit your credit collections at some point. What's Desert Financial Credit Union? Okay, we have a credit card with credit union. This wasn't transferred, doesn't look like. Purchased forty-three dollars. What are we purchasing on a card that we cannot fully pay off that is accruing interest? Why the possibly wife?
1:09:33 Speaker 04 Ooh, I don't remember what we purchased on it.
1:09:35 Caleb Hammer? It's yours?
1:09:36 Speaker 04 Yeah. It's mine. I can't remember. I might want to say it was a visit to the pediatric?
1:09:45 Caleb Hammer? What?
1:09:46 Speaker 04 The pediatrician?
1:09:47 Caleb Hammer? A co-pay? Perhaps? Oh, the forty-three dollars. Why is the balance so high?
1:09:53 Caleb Hammer? What is it? What's going on with this card?
1:09:55 Speaker 04 Well, that's one of the ones I transferred over to the to the Discover.
1:09:59 Caleb Hammer? And there's still a balance?
1:10:01 Speaker 04 Yeah.
1:10:02 Caleb Hammer? To me. Hey, this lower balance now of four thousand three hundred and thirty dollars and one cents. Uh, that has a minimum payment of a hundred fourteen dollars. How long does it take to pay off if we do minimum minimum monthly payments only without any purchases?
1:10:15 Speaker 04 Like ten years? How do I want to say? Like ten years?
1:10:20 Caleb Hammer? Eleven. Yeah, eleven. Twenty-seven year old. Twenty-eight year old is what your kid will be.
1:10:26 Speaker 03 Is that what you bought the robot on?
1:10:28 Caleb Hammer? Robot?
1:10:29 Speaker 03 The secret?
1:10:29 Caleb Hammer? What are you buying?
1:10:30 Speaker 04 Yeah.
1:10:31 Caleb Hammer? What? What are you buying? Robots?
1:10:33 Speaker 04 It was a cleaning robot.
1:10:35 Speaker 03 The secret robot.
1:10:36 Caleb Hammer? Cleaning robot?
1:10:37 Speaker 04 Yeah, it's a cleaning robot. Yeah.
1:10:39 Caleb Hammer? They're not seven thousand dollars.
1:10:40 Speaker 04 It wasn't that brand. Wait, no, it wasn't. It wasn't the full amount. That wasn't the full amount.
1:10:45 Caleb Hammer? But you guys are like known for being very good at cleaning?
1:10:49 Speaker 03 It sweeps and mops.
1:10:52 Caleb Hammer? I know what else sweeps and mops? Women!
1:10:57 Caleb Hammer? In fact, today is Thursday. There's a few of you in my house right now getting to work.
1:11:06 Speaker 03 It does help a lot because it's so dusty. So it does help like cleaning.
1:11:10 Speaker 04 So I got it because knowing that the baby was on the way and then we have dogs. I don't want like, you know, dog hair flying all over the place.
1:11:18 Caleb Hammer? Oh, Chipotle. Bad Mexicans. Bad Mexicans, guys. This is bad. You may as well have just gone to Taco Bell. What is this?
1:11:28 Speaker 04 Oh, Chipotle is good.
1:11:30 Caleb Hammer? Tex-Mex to the core, though.
1:11:32 Speaker 04 It's good. It comes in.
1:11:33 Caleb Hammer? It is good. It's just, oh, you've had a late fee this year. Know that? Yeah. Do you know he's had a late fee on his credit card that you want to combine?
1:11:41 Speaker 03 Nope.
1:11:41 Caleb Hammer? In a husband way? What's your thoughts on him having a late fee?
1:11:45 Speaker 03 Uh, not gonna say anything because I probably have some too.
1:11:48 Caleb Hammer? No, what's your thoughts?
1:11:50 Speaker 03 That I have some too, so I can judge him.
1:11:52 Caleb Hammer? You ever meet someone in?
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1:13:04 Caleb Hammer? Four out of five employers who post get quality candidates within the first day. And right now, you can try it for free at ziprecruiter.com/caleb. That is ziprecruiter.com/caleb. ZipRecruiter, the smartest way to hire. Listen, I'll let you guys use the Fizz card individually. You can get that. It's a debit card that builds credit. So you can do that. It only lets you spend what's in your checking account because you obviously overspend dramatically every month, every day, every week, every way we do it. Oh, it was a $900, $800 stupid cleaning robot. It's so dumb. Listen, I'll get you a course career certification as well. So that you can get into a new career field, make some more money. A lot of people in the audience have used it very successfully.
1:13:42 Speaker 03 Yeah.
1:13:43 Caleb Hammer? And there's a massive discount, obviously, link below, but um. This crazy $500 in interest, late fee, interest to create, I'm Chipotle! And I guess, I mean, you guys still buying things behind your back, like you bought the robot behind her back.
1:13:55 Speaker 03 And a TV.
1:13:56 Caleb Hammer? And then you bought a TV behind her back.
1:13:58 Speaker 04 Yeah, I mean.
1:13:59 Caleb Hammer? Why? Why is this like lying about the concert tickets, doing the TV behind your back, all this bull
1:14:04 Speaker 04 But I mean, those are small purchases compared to Shakira tickets.
1:14:08 Caleb Hammer? Sure, if we're doing compare and contrast, but it is still substantial money that you do not have.
1:14:13 Speaker 04 But like, we get more use out of, you know, like, a robot that cleans like, on a daily basis versus, you know, going to a one-time thing, like.
1:14:21 Speaker 03 But it was an experience.
1:14:22 Speaker 04 Yeah, but $4,000, yeah, we.
1:14:24 Caleb Hammer? I mean, I relatively agree. I hope in the near future, I get also a lot of uses out of robots. Okay?
1:14:31 Speaker 04 But yeah, you should get one too.
1:14:33 Caleb Hammer? Well, that's not the robot I was thinking about.
1:14:35 Speaker 03 Gross.
1:14:36 Caleb Hammer? But either way, I can afford it.
1:14:39 Speaker 04 But again, it does a really good job. It cleans. It cleans, it keeps the house like nice, you know, like.
1:14:45 Caleb Hammer? Oh, that's okay. You just can't afford it. I want you to get it. I want you to go to Shakira. I want you to do all this stuff. You don't have an emergency fund and now you guys are You guys are in this situation because you never sacrificed while you actually made money. You just lived the, I'm making money, so I'm gonna blow it all.
1:15:00 Speaker 03 So that's why we wanna start, like, I told him, I want to, like, start coming up with a real plan that, where can I get out of debt?
1:15:07 Caleb Hammer? And I'm gonna interrupt you, I get that, but then when you guys talk about budgeting, you don't agree on anything.
1:15:13 Speaker 03 Well, this is the, I think this year we have finally, like, kinda like.
1:15:17 Caleb Hammer? This year, it's the 10th of month.
1:15:21 Speaker 03 Okay, this couple of past months, we have finally, like, started to, like, got more serious about it and like.
1:15:28 Caleb Hammer? What does that look like? Because when I, when the first thing I heard basically in this conversation is he, last month, tried to sit down and budget with you and it just didn't work.
1:15:36 Speaker 03 Okay.
1:15:36 Caleb Hammer? It was just a complete failure.
1:15:38 Speaker 03 Okay, I will say that I'm also having, like, mommy brain and sometimes, like, I'm all like.
1:15:42 Caleb Hammer? Mommy brain, girl brain, all the brains, except for any personal responsibility, apparently.
1:15:46 Speaker 03 I'm like running on fumes, like zombie mode, like, I sometimes don't even like, like, one time I woke up.
1:15:52 Caleb Hammer? Part of it, but you know, you just have to sit down once a month to just start this, once a month. To start it, once a month, a couple hours.
1:15:59 Speaker 03 Okay, true.
1:15:59 Caleb Hammer? Get some BBs, you're no longer pregnant anymore, just glug it, actually, well, breastfeeding. Okay, never mind. Go out and have a nice little meal, but then bring your little things and just like have some fun. Make it a fun thing. I will allow you guys to spend money.
1:16:14 Speaker 03 If we go to the bar, if we go to the bar, I would be more inclined to do.
1:16:19 Caleb Hammer? But you can't drink.
1:16:19 Speaker 03 But I can watch sports.
1:16:21 Caleb Hammer? No, I need you to focus up. I want us to have fun with whatever we're consuming, but you need to be focused in the conversation.
1:16:26 Speaker 03 I am very good at like multitasking.
1:16:29 Caleb Hammer? Really? Cause you haven't been able to task on one thing this conversation.
1:16:33 Speaker 03 Yes, I have.
1:16:37 Caleb Hammer? Okay. I, I mean, I don't know. Okay, Platinum Plus, who couldn't give the statement for the thing that I could pull a statement for? Good, pull it up on your phone.
1:16:46 Speaker 04 You can't pull a statement.
1:16:50 Speaker 04 I tried.
1:16:51 Caleb Hammer? Uh huh.
1:16:51 Speaker 03 He's not tech savvy, sorry.
1:16:53 Caleb Hammer? Were you guys born in the US?
1:16:55 Speaker 03 No, we are dreamers.
1:16:58 Caleb Hammer? Oh, brought here as children. How old are you?
1:17:00 Speaker 03 I was nine.
1:17:02 Caleb Hammer? You?
1:17:03 Speaker 04 Oh, I was five, five years old.
1:17:05 Caleb Hammer? Wow.
1:17:08 Caleb Hammer? Well done.
1:17:09 Speaker 03 And we're both from Mexico City.
1:17:12 Caleb Hammer? A lot of people are going there these days?
1:17:14 Speaker 03 So pretty. I wish we could go back one day.
1:17:18 Caleb Hammer? Well, no, white people are, white people are moving there like crazy. People in Mexico City are very upset at it.
1:17:25 Speaker 04 I heard that they don't want them over there. There's like a protest.
1:17:28 Caleb Hammer? And.
1:17:30 Speaker 03 Look at that, generating statements.
1:17:33 Speaker 04 There was no statement available. I had to screenshot it.
1:17:38 Speaker 04 And then I don't even think it let me screenshot it.
1:17:40 Caleb Hammer? Is this another balance transfer?
1:17:44 Speaker 04 Yeah.
1:17:45 Caleb Hammer? So we've done double.
1:17:46 Speaker 04 Yeah. So I put three cards into two cards.
1:17:52 Speaker 04 It also helped with like trying to keep it organized for the month. Instead of having three payments, just having two.
1:18:00 Caleb Hammer? I will say, because I know immigration is such a hot button topic right now. In a non-controversial way, because obviously every country chooses. Or I guess, you know, wants to choose who is coming in and out. You're the fucking like, you're the fucking dude, because we have a declining birth rate. If people are gonna come here, I want you. This dude's coming here, working forty, fifty, sixty hours a week, grinding. Adding the population increase, you know, that's what I like. I like people who are fucking coming in. And then they're like, oh, I love America. I'm gonna work and, you know, contribute to the overall culture. I love that.
1:18:41 Speaker 03 Good job.
1:18:41 Speaker 04 Thank you.
1:18:42 Caleb Hammer? You.
1:18:43 Speaker 03 Stop. You're so bad.
1:18:46 Caleb Hammer? No, you're okay.
1:18:47 Speaker 03 I promise, I've always had a job. I'm a hard worker.
1:18:49 Caleb Hammer? We've always gotten fired from our job.
1:18:51 Speaker 03 Just this past couple of years, because I had really hard losses. I promise.
1:18:55 Caleb Hammer? Are you guys protected right now?
1:18:57 Speaker 04 Yeah.
1:18:58 Caleb Hammer? Currently?
1:18:59 Speaker 04 We have a work permit that we have to renew every two years.
1:19:03 Speaker 03 Yeah.
1:19:03 Speaker 04 As long as we don't get like any felonies or tax evasions, anything like that, then. I'll pay my taxes. I'll pay my taxes.
1:19:11 Speaker 03 We pay taxes every year.
1:19:12 Caleb Hammer? Be careful.
1:19:12 Speaker 04 We'll be good.
1:19:13 Caleb Hammer? Be careful. Yeah, these balance transfers, what's the minimum payment on this thing?
1:19:18 Caleb Hammer? Do you even know?
1:19:18 Speaker 04 Forty-two.
1:19:20 Caleb Hammer? Oh, my gosh, this is never gonna be paid off. And we're just taking those five percent fees forever. Why, why, why will it be? Because that's you're a transfer, you're not a payer. Why can you sit here and tell me?
1:19:32 Speaker 04 Again, it was just to make room for the.
1:19:34 Caleb Hammer? I understand why, but why are you, how are you able to tell me that it will be paid off? When all you ever do is transfer, not actually make progress?
1:19:42 Speaker 04 Because.
1:19:45 Speaker 04 I mean, I
1:19:46 Caleb Hammer? I mean, thank you for fueling our economy by coming to the country and then spending money you don't have in consumer debt. You're keeping people alive and paying the bills.
1:19:55 Speaker 04 Well, I feel like if, if, if, once she goes back to working and, you know, eventually we can sit down and make a budget, we'll start paying them off.
1:20:03 Caleb Hammer? No, no, no, no, no. Should we not sit down and make a budget when things are harder more than anything?
1:20:08 Speaker 04 No, yeah, for sure. But I'm saying like, I, I still don't think she's gonna be, you know, like, I don't. I think we're gonna have a, a struggle with like, getting on the same page financially just because of how she wants to work it and how I want to do it.
1:20:21 Caleb Hammer? If you've been here since five, weren't you raised? No, like, wasn't most of the language development skills done around?
1:20:28 Speaker 03 On a daily.
1:20:29 Caleb Hammer? Yeah, he speaks Spanish, but an accent. Your, your language skills were raised in the United States.
1:20:34 Speaker 04 I mean, I don't know. That's just how it is. I mean.
1:20:37 Caleb Hammer? I'm vibing with it.
1:20:38 Speaker 04 I mean, in my house, like.
1:20:40 Caleb Hammer? You don't know he has an accent?
1:20:41 Speaker 03 I don't hear it, no.
1:20:43 Caleb Hammer? He has an accent, right? Yeah, he has an accent. Sounds like crazy. A little.
1:20:47 Speaker 03 Yeah.
1:20:48 Caleb Hammer? A little, but also you, I mean, you, you came later.
1:20:52 Caleb Hammer? At nine?
1:20:53 Speaker 03 Yeah.
1:20:53 Caleb Hammer? I mean, so you had some of your language skills developed in Mexico.
1:20:56 Speaker 03 Mm-hmm.
1:20:58 Caleb Hammer? This is interesting. It's not a bad thing. This is very interesting. Five and nine are different, but like, you know, that's where a lot of the language skills, primary education, started around five. It's just like, huh.
1:21:07 Speaker 03 We speak mostly Spanish, so.
1:21:09 Speaker 04 Yeah, we're trying to teach our, our daughter Spanish first. Cause she's gonna, she's gonna learn English anyways through like, school, you know?
1:21:15 Caleb Hammer? Mm-hmm. Mm-hmm. Okay. PayPal credit. Yours?
1:21:20 Speaker 03 Yeah.
1:21:21 Speaker 04 Yeah.
1:21:22 Caleb Hammer? Okay, yeah, interest accruing eighty-two dollars, fourteen cents. No purchases. Take four.
1:21:30 Speaker 04 Yeah.
1:21:30 Caleb Hammer? Hundred twenty-two dollar minimum payment, four thousand forty-one dollars and thirty-eight cents. Thirty point three eight percent interest. This is brutal, dude. This is.
1:21:40 Caleb Hammer? Someone's interest free but but it's accruing deferred interest and that's gonna be a ton of money and that is already passed. Wait, no wait, one second, one second. No, it's not. In a couple of months it will though. Couple of months.
1:21:53 Speaker 03 What's the remaining balance on that?
1:21:55 Caleb Hammer? Hmm, uh, almost 700 bucks.
1:21:58 Speaker 03 Oh, that's not bad.
1:21:59 Caleb Hammer? Okay, well, you guys are spending more money than you have.
1:22:02 Speaker 03 Well, maybe we can pay it off fast.
1:22:04 Caleb Hammer? And this is the Miami trip, right?
1:22:05 Speaker 04 Yeah, so it was split in two.
1:22:08 Caleb Hammer? Oh, your mom for the trip too? 1400 bucks?
1:22:11 Speaker 04 I guess it was split in three.
1:22:12 Caleb Hammer? Oh, what are we doing? What are we doing?
1:22:16 Speaker 03 So, I will say.
1:22:18 Speaker 04 It was, I, we were kind of forced to go. I mean, I wanted to go, but we were kind of forced to take a longer vacation. Cause I was just gonna, like, our intentions were just to go see the game come back.
1:22:32 Speaker 03 Yeah, like a three day thing.
1:22:34 Speaker 04 But then.
1:22:34 Caleb Hammer? That's great. Why does the future of your household not supersede seeing a fucking game?
1:22:41 Caleb Hammer? I just don't get it. Like, I want you to have fun. I want to go have fun. It doesn't supersede my entire life, though.
1:22:46 Speaker 03 Well, I was working then and we did kind of have some money set aside, but then his mom decided that she wanted to make it a family trip. So it turned into like everyone going, so we had to take our kids. And we made it a week long trip.
1:23:03 Speaker 04 Yeah, we were just planning on doing the weekend, but then, you know, she.
1:23:06 Speaker 03 We did have the money for that, but because they turned it into a family trip.
1:23:10 Caleb Hammer? Money you had to borrow for this. You couldn't afford it regardless. No matter what, in the end, you could not.
1:23:14 Speaker 04 But we did have fun, though, and.
1:23:16 Caleb Hammer? And this is, this is what's troubling. You guys can't agree on how to budget and you both are totally okay with this. You're totally okay with this. So how does that mean when you leave, you're not just gonna fuck it all the same way? Like, look at this, you're totally okay with this.
1:23:28 Speaker 04 Cause now we don't have the second income. So now we, I mean, we can't. Before we had the income to where.
1:23:33 Caleb Hammer? You bought an $800 costume for Deadpool versus Wolverine on this. $800.
1:23:38 Speaker 04 Yeah.
1:23:39 Speaker 03 Yeah.
1:23:39 Caleb Hammer? What the are you?
1:23:41 Speaker 03 And he didn't wear it for Halloween last year. I told him to.
1:23:44 Caleb Hammer? What is wrong with you?
1:23:46 Speaker 03 And this year he should wear it.
1:23:47 Speaker 04 Something I wanted to do with my brother is like.
1:23:49 Caleb Hammer? Eight hundred dollars?
1:23:51 Speaker 04 Yeah, but it was like, you know, like it was something that we're both fans of like the movie and so.
1:23:57 Caleb Hammer? Yes.
1:23:57 Speaker 04 You know, he wanted to dress up. So I was like, I'll do it too. You know, like.
1:24:01 Speaker 03 He was Wolverine.
1:24:02 Caleb Hammer? Eight hundred dollars?
1:24:03 Speaker 03 And he looked really good in it.
1:24:04 Speaker 04 But it was a nice suit. Like a nice costume.
1:24:07 Caleb Hammer? Sure, this is.
1:24:09 Speaker 04 Yeah, but I mean, we had fun and we took a lot of pictures with strangers and.
1:24:14 Speaker 03 Oh, yeah.
1:24:14 Speaker 04 We just had a good time.
1:24:15 Caleb Hammer? Oh, yeah, that's where they hundred dollars.
1:24:16 Speaker 04 I mean, we were thinking of charging, but.
1:24:19 Caleb Hammer? Yeah, okay, good. Yeah, good luck.
1:24:21 Speaker 04 Everyone was asking for a picture.
1:24:23 Caleb Hammer? Who has Desert Financial again? Who has another Desert Financial credit card?
1:24:27 Speaker 04 Mine.
1:24:27 Caleb Hammer? Okay, almost all the debts yours so far, by the way, except for the PayPal that she never paid.
1:24:31 Speaker 04 Put mine on top. That's all it is.
1:24:33 Speaker 03 But I will say.
1:24:34 Caleb Hammer? They usually put the crazy ones on top.
1:24:36 Speaker 03 We do pay both of them. We did charge on most of them. We did charge on most of them, both of us.
1:24:42 Caleb Hammer? The balance went up. It went from two thousand seven hundred and fourteen to three thousand eighty-six.
1:24:46 Speaker 04 It did?
1:24:47 Caleb Hammer? It did. With a minimum monthly payment of eighty-six dollars, you purchased four hundred and thirty dollars and seventy-one cents. While interest screwed up forty-five dollars and three cents.
1:24:56 Speaker 04 Four hundred.
1:24:57 Caleb Hammer? DP or Da Prim. Yogi Grill. Raising Canes. And then Pediatric, but that's okay. I wouldn't put it on a credit card, but.
1:25:10 Caleb Hammer? Home Depot, be careful.
1:25:12 Speaker 03 He loves Home Depot.
1:25:14 Caleb Hammer? I know.
1:25:15 Speaker 03 He can be there hours just walking around where I'm like, okay, what do you need? I O nineteen, let's go. What do you need? I O eleven, let's go. And he hates going to Home Depot with me.
1:25:24 Speaker 04 It's good. Okay, so I like to do things around the house.
1:25:27 Caleb Hammer? Boring. Ah, then cafes, DuPont, and then voodoo.com Fandango.
1:25:32 Speaker 04 Oh, yeah.
1:25:33 Caleb Hammer? Eight hundred dollars in interest this year. Is this close?
1:25:35 Speaker 03 Those are movies that we can make a. We can make a home movie. Night instead of going to the movie.
1:25:41 Caleb Hammer? Yeah?
1:25:42 Speaker 03 So we.
1:25:43 Caleb Hammer? You, you don't have money.
1:25:44 Speaker 03 We save money.
1:25:45 Caleb Hammer? You don't have money. YouTube is free.
1:25:47 Speaker 03 They don't have movies in there.
1:25:48 Caleb Hammer? Who is Discover It?
1:25:49 Speaker 03 That's mine.
1:25:50 Caleb Hammer? Okay, you purchased sixty-one bucks on a card you can't pay off. That interest is accruing. Takes seven years to pay off if you don't purchase. Why the fuck?
1:25:56 Speaker 04 How much did she purchase?
1:25:57 Caleb Hammer? Sixty-one, thirty-seven.
1:25:59 Speaker 04 That's not too bad.
1:26:00 Caleb Hammer? It doesn't, what, it doesn't, that's not the difference. It still takes seven years till she's not purchasing. So this is gonna take forever now, infinity.
1:26:07 Speaker 03 Does it show what I purchased?
1:26:08 Caleb Hammer? Yes, I was hoping you might have a little insight first.
1:26:11 Speaker 03 No.
1:26:12 Caleb Hammer? Great, cuz, guys, I don't think you're gonna live, I don't think you're gonna make it because you're taking this all as a joke.
1:26:19 Speaker 04 Well, it's just been a stressful few past months. I mean, with the baby and everything, her not working, and so it's like, you know, it's like, if we have to put things on the credit card, then like, what else can we do?
1:26:30 Caleb Hammer? Well, it was Amazon and Culvers.
1:26:32 Speaker 04 Oh.
1:26:33 Speaker 03 Oh.
1:26:33 Caleb Hammer? So die. Like, this is bull, it's all fuck you, bull.
1:26:38 Speaker 04 But the Amazon could have been for a baby.
1:26:39 Caleb Hammer? Okay, pull up your Amazon.
1:26:41 Speaker 03 Um, and the Culvers, the Culvers, I think it was because I was driving by and I didn't have my wallet on me, so I just tapped it.
1:26:48 Caleb Hammer? You can't afford it regardless if it was on credit, you dumb tit, you have debt, you have a hundred and thirty thousand dollars of bad debt. Hundred thirty thousand dollars of bad debt, I don't give a fuck.
1:26:59 Caleb Hammer? Now I have a Wells Fargo Cash Visa, whose is this?
1:27:04 Speaker 04 Oh, that one's mine.
1:27:06 Caleb Hammer? And back to mostly you. Why is the one so fucked? Cuz she seems like she is, like mentally, but you're, you know.
1:27:17 Speaker 03 See, I try not to have a lot of credit cards.
1:27:19 Caleb Hammer? Why are you the one in the finances with the worst finances?
1:27:22 Speaker 04 Because banks love me? I don't know.
1:27:25 Caleb Hammer? They really do, you make them a ton of money, but why are you, I'm saying for the household, the one running the finances, if you're the one that is objectively so far the worst, including bullfucking so far.
1:27:35 Speaker 04 I don't know, I, I feel like I, I look at the numbers, so I think I'm, I'm, I'm, I'm okay to, you know.
1:27:43 Caleb Hammer? Why do you think he's fucked up? Why, why is he the one in control of finances? Why?
1:27:47 Speaker 03 Because he doesn't wanna do it my way. He doesn't wanna do it my way.
1:27:51 Caleb Hammer? So you, when you guys sat down and discussed who's doing finances essentially, you just gave it to him cuz he didn't wanna do it your way?
1:27:59 Speaker 03 No, it was mostly like I relinquished control over time and he just took over, basically.
1:28:04 Caleb Hammer? Okay, well, it's a forty-one dollar minimum payment, seventeen years to pay off! Hundred sixty-one dollars of purchases! Uh, this, this one is pediatric, again, I would rather it be on debit, but even still, gross total balance until, now, not that many months from now, like five. So that'll start accruing interest. There's no deferred interest, but it is chunky. Okay, who's the Bank of America?
1:28:30 Speaker 03 Wait, what was that for?
1:28:32 Caleb Hammer? That was Wells Fargo.
1:28:33 Speaker 04 Yeah, on the Wells Fargo, the balance was to like help out my sister.
1:28:40 Caleb Hammer? Oh, the overall balance?
1:28:40 Speaker 03 For the bankruptcy?
1:28:42 Caleb Hammer? For the bankruptcy? You guys are headed to bankruptcy.
1:28:45 Speaker 03 Why did you have to help her for it?
1:28:47 Speaker 04 Well, I mean, you know, I went with her to like go see to like a bankruptcy lawyer.
1:28:50 Speaker 03 But she doesn't, she doesn't care how much she spends. If you think I'm bad, she's worse. She doesn't care how much she spends. She's always like doing a bunch of things. She doesn't even do things like for the kids, so. And she like takes out cards that she can't even afford. So why are you helping her with the bankruptcy?
1:29:07 Speaker 04 Because she's my sister and I mean, I.
1:29:09 Speaker 03 Okay, but I'm not giving my sister.
1:29:11 Speaker 04 She had like a lawsuit on her hand. So it was like.
1:29:14 Speaker 03 Okay, my sister had one too and I didn't have to help her.
1:29:16 Speaker 04 Bell her out and you know, like I had that card.
1:29:18 Speaker 03 But she has a husband and she lives rent free with your parents.
1:29:22 Speaker 04 Yeah, but.
1:29:23 Caleb Hammer? What?
1:29:23 Speaker 03 Yes.
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1:29:51 Speaker 04 Yeah, but like.
1:29:52 Caleb Hammer? And yet you put thousands on a credit card?
1:29:53 Speaker 03 Yeah, why?
1:29:55 Speaker 04 Well, because I.
1:29:56 Caleb Hammer? I'm okay with helping.
1:29:57 Speaker 04 I just wanted to help her out and like.
1:29:58 Speaker 03 Yeah, but we help them in other ways.
1:30:00 Caleb Hammer? Yeah, but I think this wasn't helping. I think this was enabling.
1:30:02 Speaker 03 Yeah. She does, she has no responsibility of finances whatsoever. If I'm bad, she's like 10 times worse.
1:30:09 Caleb Hammer? Oh, wait, you didn't even give her money. You just gave the card to her sis- to your sister and she just ran it off.
1:30:13 Speaker 03 That's crazy.
1:30:14 Caleb Hammer? That's fucking wild.
1:30:16 Speaker 04 I mean.
1:30:18 Caleb Hammer? Dude.
1:30:18 Speaker 04 I like to help my family.
1:30:20 Caleb Hammer? Yeah, but you're enabling her spending.
1:30:21 Speaker 03 Your mom has bailed her out so many times. So many, she bailed her out $10,000 and she went and racked up everything again.
1:30:31 Speaker 04 I don't know, it's just when a sibling comes, you know, asking for help.
1:30:34 Caleb Hammer? Of course, but she hasn't changed her behavior. She's been bailed out a thousand times, it sounds like.
1:30:38 Speaker 03 And she doesn't pay rent, she doesn't have like big expenses other than her car and she has a husband.
1:30:44 Speaker 04 I mean, she did say she was gonna pay me back when she got her like tax money.
1:30:47 Caleb Hammer? And how many times has she told that to her parents that have been bailed out?
1:30:50 Speaker 03 Yeah.
1:30:51 Speaker 04 I don't know.
1:30:51 Caleb Hammer? I mean, that's the thing.
1:30:52 Speaker 03 At least twice.
1:30:53 Caleb Hammer? Sometimes someone actually help, actually helping someone is them learning for the first time ever.
1:30:59 Speaker 03 That's the answer. Like, you're gonna help her, you can't even buy me a ring?
1:31:03 Caleb Hammer? Okay, well, I don't think he wants to marry you.
1:31:07 Speaker 04 I do wanna marry her, but it's, that's down the line.
1:31:10 Speaker 03 That's the answer.
1:31:11 Caleb Hammer? I'm kidding. How old is she?
1:31:13 Speaker 03 She's older than her, than him.
1:31:15 Caleb Hammer? She needs to learn the skills herself, or she's never gonna make it ever.
1:31:19 Speaker 03 She lives rent-free.
1:31:22 Caleb Hammer? Who is the Bank of America?
1:31:24 Speaker 03 That one's probably mine.
1:31:25 Caleb Hammer? Well, minimum monthly payment forty-six dollars, balance one thousand five hundred and one dollars, seven years to pay this off.
1:31:31 Speaker 03 That was a balance transfer.
1:31:33 Caleb Hammer? Well, interest is accruing, so you've had a late fee this year.
1:31:36 Speaker 03 Yeah.
1:31:36 Caleb Hammer? There it is.
1:31:37 Speaker 03 Mommy brain.
1:31:38 Caleb Hammer? No, come on.
1:31:39 Speaker 03 Yes, I literally forgot.
1:31:40 Caleb Hammer? So every mother has late fees.
1:31:42 Speaker 03 I'm not saying that.
1:31:43 Caleb Hammer? Shut the f*** up, that is not, shut up.
1:31:45 Speaker 03 I'm saying I have foggy brain.
1:31:47 Caleb Hammer? That's okay, set up minimum, minimum monthly payments.
1:31:50 Speaker 03 Automatic payments? I can't because sometimes I don't know.
1:31:53 Caleb Hammer? Exactly, because you don't budget, because it's all down the line. When you don't do the primary, normal, main, easy thing, relatively easy, all of a sudden, nothing works down the line. This is how this, that's how it goes.
1:32:04 Speaker 03 Okay.
1:32:06 Caleb Hammer? Sephora, who's Sephora?
1:32:07 Speaker 03 Mine, I bought my daughter, um, Kendrick and SZA tickets.
1:32:14 Caleb Hammer? On Sephora?
1:32:16 Speaker 03 For her birthday slash Christmas gift.
1:32:20 Caleb Hammer? Dude, okay, so she's gonna be okay with not getting anything for Christmas?
1:32:23 Speaker 03 Well, this was last past Christmas.
1:32:25 Caleb Hammer? Oh my, you're gonna die.
1:32:27 Speaker 04 I was not okay with that, especially after having, like, coming from a big purchase that we did on her as well.
1:32:33 Speaker 03 What big purchase?
1:32:34 Speaker 04 Her quinceañera.
1:32:35 Speaker 03 Oh, yeah.
1:32:36 Speaker 04 Like, I was not okay.
1:32:39 Caleb Hammer? How much was her quinceañera?
1:32:41 Speaker 03 My part was about five to six thousand.
1:32:45 Caleb Hammer? Two thousand? Thousand?
1:32:48 Speaker 03 Yes.
1:32:49 Caleb Hammer? What?
1:32:53 Caleb Hammer? What are we doing?
1:32:55 Speaker 03 But it should look really pretty.
1:32:56 Caleb Hammer? No. They never do.
1:33:00 Speaker 03 Excuse you.
1:33:01 Caleb Hammer? Oh, it's always over the top. Too, this is, this is, it's too much. It's too much. It's too gaudy. It's, no.
1:33:08 Speaker 03 You're too much.
1:33:09 Caleb Hammer? Yes. But I embrace it.
1:33:12 Speaker 04 But it's like Mexican culture.
1:33:14 Speaker 03 Yeah.
1:33:14 Caleb Hammer? And I'm so glad I'm not having a Mexican child because that sounds expensive when you hit sixteen.
1:33:18 Speaker 03 You're not a woman.
1:33:20 Caleb Hammer? Huh?
1:33:20 Speaker 03 You're not a woman.
1:33:21 Caleb Hammer? Does the woman have to pay for it?
1:33:23 Speaker 03 No, you, only girls do it, not guys.
1:33:26 Caleb Hammer? Yeah, but if I have a Mexican woman child, that'll be in a quinceañera at sixteen.
1:33:31 Speaker 04 Fifteen.
1:33:32 Caleb Hammer? Fifteen?
1:33:33 Speaker 03 Yeah.
1:33:34 Caleb Hammer? Well, you got fees and interest on here. You've had two late, three, four late fees this year. So she's had four.
1:33:40 Speaker 03 I'm sorry.
1:33:42 Caleb Hammer? You're sorry? No, you're not. When people are sorry, they don't do it anymore, you dick.
1:33:45 Speaker 04 She keeps me in the dark for a lot of these.
1:33:47 Caleb Hammer? Apparently for everything. You guys keep each other in the dark for everything. This is so stupid.
1:33:53 Speaker 03 I kept on forgetting the due date.
1:33:56 Speaker 03 I kept on forgetting the due date.
1:33:57 Caleb Hammer? There was four times this year.
1:33:58 Speaker 03 I know.
1:33:59 Caleb Hammer? Set a reminder. You, I would forget too if I was trying to remember the date every single month. Set a reminder, you.
1:34:05 Speaker 03 I did.
1:34:06 Caleb Hammer? Desert Financial, again, are you back? Do you have three cards with them?
1:34:10 Speaker 04 Yeah, I do have.
1:34:10 Caleb Hammer? Oh, for sake. Okay, Desert Financial, what's going on again?
1:34:16 Speaker 04 And that one... I don't know, what's the balance on it?
1:34:21 Caleb Hammer? It's much smaller, at two hundred sixty-four dollars and seventy-seven cents.
1:34:24 Speaker 04 Oh, I had to put, uh, my vehicle registration on there because I had.
1:34:28 Caleb Hammer? Dude, this is what happens. You guys made money and you do still make money, but you live so much fun that once a need pops up, you have to put it on our credit card because you're undisciplined, you're irresponsible, and you guys are not adults. It's a joke.
1:34:40 Speaker 04 But I was planning on having the.
1:34:41 Caleb Hammer? Shut the fuck up. Interest is planning on having the money, then you didn't, and you're doing secure. Shut the fuck up. I don't want to hear it. Quinceañera, fuck you. Late fees this year so far? This is so stupid.
1:34:51 Speaker 04 There's a late fee?
1:34:53 Caleb Hammer? Yes.
1:34:55 Caleb Hammer? Yes, there is. Who is the US bank?
1:34:58 Speaker 03 That's our joint account.
1:35:00 Caleb Hammer? A joint debt?
1:35:01 Speaker 04 No, checking.
1:35:02 Speaker 03 Debit.
1:35:03 Caleb Hammer? Okay, well, there's a Mountain Dew. Oh, mortgage.
1:35:06 Speaker 04 Yeah, we have the mortgage there.
1:35:07 Caleb Hammer? What the f- your mortgage is 3,627? That's expensive.
1:35:11 Speaker 04 No.
1:35:11 Speaker 03 No, it's 1,850.
1:35:12 Speaker 04 It's 18.
1:35:14 Speaker 03 We don't usually pay it on the first, so it, they send us a statement.
1:35:18 Caleb Hammer? Yeah, past due.
1:35:19 Speaker 03 Yeah, but it's not past due, but it's not past due.
1:35:22 Caleb Hammer? But it was, and you owe double. That is, what are you doing, guys?
1:35:26 Speaker 03 It already got paid.
1:35:27 Caleb Hammer? This is what happens when you budget weekly, though. It just gets so close.
1:35:30 Speaker 03 We're not budgeting weekly. He's budgeting monthly.
1:35:33 Caleb Hammer? He's not budgeting. $1,813.91.
1:35:39 Caleb Hammer? Minimum monthly payment.
1:35:43 Caleb Hammer? It, it, it, sorry, that is the minimum. $1,813.91.
1:35:50 Caleb Hammer? And you're on the joint mortgage?
1:35:52 Speaker 03 Yes.
1:35:53 Caleb Hammer? 4.3, right? We like that. What, what is the balance?
1:35:57 Speaker 04 We got it at a good time, but.
1:35:59 Caleb Hammer? Oh, here we go.
1:36:01 Speaker 04 I just don't like the house.
1:36:02 Caleb Hammer? Oh, good. 260,631.81. Why don't you like the house?
1:36:10 Speaker 04 Cause it doesn't have a pool.
1:36:13 Caleb Hammer? Go to a community pool, dick. A home equity loan? And a Toyota 4Runner?
1:36:19 Speaker 03 Yes.
1:36:22 Speaker 03 Those are all joint as well.
1:36:27 Caleb Hammer? Oh, why did we get a home equity loan?
1:36:30 Speaker 04 To consolidate debt.
1:36:32 Caleb Hammer? 80%, and then you didn't consolidate, you racked it up, and then you transferred them. Again, you never pay off debt, you just consolidate, transfer. You guys cannot do another one of these tools, including bankruptcy, until you change your f-king behavior. You can't do any of these shortcuts until you change your behavior, cause you'll just end up with more debt. It happens every episode, and you guys are just continuing that trend.
1:36:51 Speaker 03 So no bankruptcy, you said?
1:36:52 Caleb Hammer? No, not until you change your behavior. Cause then you'll end up in the same amount of debt again, and be double f-
1:37:01 Speaker 03 Okay.
1:37:02 Caleb Hammer? Oh, you owe 52,281. Do you mean to have any equity anymore?
1:37:08 Speaker 03 Yes.
1:37:10 Caleb Hammer? Barely, probably.
1:37:10 Speaker 04 I don't know, cause we also, I don't know, cause we also have, uh, uh, solar panels.
1:37:18 Speaker 03 Oh, yeah.
1:37:21 Caleb Hammer? I don't even think we have that. We don't have that. What the is wrong with you guys? Minimum payment, three seventy-eight forty. What's your solar panel debt?
1:37:30 Speaker 04 Uh, the total debt, I would have to look. I don't even like the house we're getting solar.
1:37:35 Speaker 03 So, I have a question for you. Do you know by any chance if the solar panel company is going into bankruptcy?
1:37:42 Caleb Hammer? Huh?
1:37:43 Speaker 03 The solar panel company is going bankruptcy.
1:37:45 Caleb Hammer? Yeah?
1:37:46 Speaker 03 It's filing bankruptcy.
1:37:47 Caleb Hammer? It's not a school. You're not gonna get it forgiven.
1:37:49 Speaker 03 I was just gonna ask, like, what do we do then?
1:37:51 Caleb Hammer? First of all, bankruptcy's a lot of things. They might just be restructuring debt. They might not be going out of business. You don't, you don't know.
1:37:56 Speaker 03 Yeah, they're getting bought, bought.
1:37:57 Caleb Hammer? Well, there you go. You're still gonna owe it.
1:37:58 Speaker 04 Current balance for it is thirty-three thousand.
1:38:03 Caleb Hammer? Minimum monthly payment?
1:38:04 Speaker 04 A hundred sixty-eight a month.
1:38:06 Caleb Hammer? What's your interest?
1:38:07 Speaker 04 Uh, it's like one percent, one, two percent, something like that. One point nine-nine.
1:38:13 Caleb Hammer? Forerunner! Whose is it?
1:38:16 Speaker 03 Family car?
1:38:18 Speaker 04 Well, originally it was gonna be kinda like my car, cuz I have my little, my little beater that I take to work, you know? And she had her, her own.
1:38:28 Caleb Hammer? Why do we need this?
1:38:29 Speaker 04 She had her vehicle and, and I wanted a forerunner. So, once we did that, that consolidated.
1:38:36 Caleb Hammer? You did a consolidation, then you got a forerunner?
1:38:38 Speaker 04 Yeah.
1:38:38 Caleb Hammer? You guys are a fucking mess. You're the, you're, you're the collection of everything bad with consumerism. Thirty-seven thousand eighty-seven dollars and ninety-six cents at an interest rate of seven percent, not even fucking good. Minimum monthly payment, six hundred seventy-four, working sixty hours a week in order to afford a forerunner. Well done! That's where you are. What do you think it's worth? What do you think it's worth?
1:38:56 Speaker 04 Like forty-four?
1:38:58 Caleb Hammer? Forty.
1:38:59 Speaker 04 Forty?
1:38:59 Caleb Hammer? So, at least you have an equity position, but for fucking sake, then it paid off Jeter, that's worth seventeen hundred.
1:39:05 Speaker 04 Yeah, that's my little beater.
1:39:07 Caleb Hammer? Sell the forerunner tomorrow! I'm not even kidding. Sell it, cuz you might actually make money. Break even for all I care. Get out of that minimum monthly payment, drive, beater, beater, beater.
1:39:19 Caleb Hammer? That's it, I don't give a f**k what? What, what, what, what, what?
1:39:23 Speaker 04 Well, my beater's not gonna last me very long. It's already at 200.
1:39:26 Caleb Hammer? And then when we do that, we get a 10,000 hour car. I don't care. Get rid of the forerunner. You're in a blessed position. Rare on this show where you have an equity position. Get out of it tomorrow. It's not, it's not a question. Are you getting out of it tomorrow? Are you getting out of it tomorrow?
1:39:40 Speaker 04 Let me answer. I'm thinking of getting outta coma.
1:39:42 Caleb Hammer? Huh?
1:39:43 Speaker 04 I'm thinking of getting outta coma.
1:39:44 Caleb Hammer? No, no, no, no, no, nope. You're not getting anything. You're driving the beater until it's dead.
1:39:47 Speaker 04 I think I deserve a coma.
1:39:48 Caleb Hammer? I need to make sure you agree with me.
1:39:51 Speaker 03 Make him agree.
1:39:53 Caleb Hammer? This is what you are doing or else there is no path here that I'm willing to accept. Cause this is a basic sacrifice and I need to see you're making sacrifices. Or I'm ending this thing now.
1:40:02 Speaker 04 Is it negotiable?
1:40:04 Caleb Hammer? No.
1:40:04 Speaker 04 Can I maybe work 7 hours?
1:40:06 Caleb Hammer? You are selling this and driving the beater until you, until it's done and the repairs would be stupid.
1:40:11 Speaker 03 Wait, wait, wait, but we do need a family car. So get another like beater, right? You said?
1:40:16 Caleb Hammer? Why? Don't you have something, a beater?
1:40:18 Speaker 04 No.
1:40:19 Caleb Hammer? Okay, okay, then yes, a 10,000 hour car.
1:40:21 Speaker 03 Okay.
1:40:21 Caleb Hammer? 10,000!
1:40:21 Speaker 04 Where are we gonna get 10,000 from?
1:40:23 Caleb Hammer? When you shop to use, to use, to use. It's not gonna be great. It's gonna be years old, but you get it. You take a look at it everywhere, so ever and get an independent mechanic to look at it as well. Make sure it's safe and it's not gonna take a cost. It's gonna be a two year car. Guys, we're not looking for a generational car. This is a two year car you're getting for 10,000 hours and then you upgrade once we're outta debt. Do you agree to this or no?
1:40:42 Speaker 04 Well, what if I?
1:40:43 Caleb Hammer? Agree to it or no?
1:40:45 Speaker 04 But our daughter needs a car too.
1:40:47 Caleb Hammer? Nope, no, she doesn't. She can get her own car. She can work and get her own car. Do you agree to it or no?
1:40:53 Caleb Hammer? Agree to it or no?
1:40:55 Speaker 04 Can I get a second job?
1:40:57 Caleb Hammer? Agree, no, you already work 60 hours a week. Okay. And that's it. I'm ending this. This is no conversation to be had. I'm ending the episode. If you're not willing to take literally the most basic sacrifice in the one thing you have, there's nothing here and you guys are f**k. And I'm sad to see that. That is f**k sad. And that's, and that's not me wanting to end this cause I'm outraged or anything. If they're not willing to take a single basic f**k step, I'm done.
1:41:20 Speaker 03 We have to sh**.
1:41:21 Caleb Hammer? You! Hammer Financial Score, f**k off! Come join us in the post show. I have to do an extra 20 minutes. I get to do, I'm blessed to do an extra 20 minutes. And Hammer Elite, the best membership on YouTube. 3 preview shows posted every single day.
1:41:34 Speaker 03 Wait, wait, wait, wait, seriously?
1:41:34 Caleb Hammer? Shut the f**k up! I'm doing my spiel! Good death. What is wrong with you, woman? Toine Hammer Lee! I'll see you in the post-show. You were just spending money behind his back that he didn't even know. You were blowing money that he didn't even know was happening.
1:41:47 Speaker 04 I got, you know, like a statement in the mail saying, you know, like, you got a loan for, you know, X amount of money. And I asked her.
1:41:55 Caleb Hammer? The secret loan behind your back?
1:41:56 Speaker 04 Yes.
1:41:56 Speaker 07 How can you say you've been getting better over the past four years and then take out a loan behind his back?
1:42:00 Caleb Hammer? No, like, seriously, that's a big eye-opener. Yeah, I don't want to [bleep] hear it. Hammer Lee is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.
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Previous Financial Audit's First Furry Next Loser Freak Wants To Sleep With His Students | Financial Audit Page updated November 1, 2026 · transcript and summary are machine-generated