Failed OF Model In Debt For Taylor Swift | Financial Audit

17:17Caleb Hammer:That's dangerous. You have a daughter who solely relies on you and doesn't feel like this guy would be able to take care of her. Why didn't this guy try to get split custody? Just the distancing? That's it? He did. Huh? He tried. And? Why didn't he get it? We live five hours apart. So it was the distancing. So the question that I asked, the answer would have been yes. Mm-hmm. Is there something else? No. Okay. You're doing the classic woman thing where you're just kind of avoiding answering a question and you're just giving a short answer. Correct. Because they don't want to talk about it. Yeah.

17:52No, it's just, yeah, it was the distance. I'm sure if we lived closer, it would be fine. Okay. Why are you living in Springfield instead of back home where the kid can have a father in her life? Because Springfield isn't giving you a great opportunity. You make$30 ,000 a year. So I was moving. I had already moved. We had broken up. Our lease was up. No, I get it. But you're just like, It's not like you're taking advantage of Springdale in any kind of economical way. It's just hard to advance. Public health is hard to make. Go into a different industry. My whole degree is public health. Take a certification to course careers that I'll get you for free.

18:27A lot of people use that in the audience to switch. Okay. I like a child having a father in her life, and it sounds like you're the one that's kind of the reason that. He could have moved closer. Well, it sounds like, where are you guys from in Wisconsin? Madison. Okay. There's definitely more opportunities in Madison. Okay. Okay, but pay scale for, again, my degree. I have a Bachelor of Science in public health. That's your choice that you're making and you're not switching fields and you're still early in a career where you could. And I need a Monday through Friday job. Yes. Am I saying get a Saturday through Wednesday job?

18:57Like, what? Did I say that? I don't remember presenting that as an option. It's just hard to find a place that pays well Monday through Friday during the day. No one does this ever. I'm sure people do it.

19:06Caleb Hammer:Yeah, I would say almost everyone with a career. It's very expensive with UW, with Epic. It's very expensive to live there. It is translated, and the cost of living is translated with the pay scale as well. But the minimum wage in Wisconsin is still$7.25. Minimum wage shouldn't matter. You're not making the minimum wage. 1 % of the entire United States population makes the federal minimum wage. That has no impact on you and your job. To move housing would be more expensive. It wouldn't equal anything. Sure, but you left. Yeah, because I didn't want to live there anymore, so I was moving to St.

19:34Louis. Not want to live there anymore? Take a kid away from their father? I didn't know I was pregnant. And then by that time— Sorry, I missed that part. Yeah, I didn't know I was pregnant when I moved. Or else I would not have moved. Okay, and when did you consider meeting this guy on Snap? Oh, back in the fall, I'm sure. What made you choose not to? What happened? Fall? Back in the fall? What? It was a couple months ago. Yeah. And why didn't you? Please, why didn't you? Well, I mean, it was a... Probably shouldn't meet up with a random person. Not safe. Okay, good. I wanted to make sure that it was a good reason, and that is a good reason.

20:09But they did offer a lot of money. A lot of money. Well, it was just like$500. That's a lot of money to me. You considered ruining you being alive. Oh, and you're considering leaving Springfield. Yes. Then go back to Madison. Maybe, yeah. I just, I can't right now. Because you have family support there. I have her family.

20:32Caleb Hammer:That is family, asshole.

20:43Close. Not perfect. Almost there.

20:58Caleb Hammer:That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. you can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. They're not like, I don't know. They're not my parents.

21:35Like my mom - They are the grandparents of the kid that probably love her, right? Yes. And my mom. Well, the thing is, my mother used to live with me, right? Because it's her house. And then she moved back to Chicago to take care of her parents. Then go to Chicago. I can't afford to. Oh, my goodness. First of all, Chicago is like the cheapest major city in the entire country. First of all, let me just say that.

21:55Caleb Hammer:Second, again, you're right. You can't on the Springfield income. Typically that fall in a place like Chicago. This isn't New York where you're right. That is hard. You need a massive, massive income adjustment to go there. Chicago is one of the cheapest. No, it is the cheapest major city in the United States. Major city. I'm in Detroit, but what are we considering that a major city? Like a major powerhouse city. It's third population. About to be four. Passed by the Dallas Metro, but either way. My minimums, they're just, they're too high. Like my debt. My debt. Then take care of that asshole.

22:25What the fuck are you doing? Why are you spending literal potential thousand, thousand, five hundred on bullshit? If you're in time, you want to leave Springfield, I'm being told. Yes. I would like to move.

22:34Caleb Hammer:And the options are in your brain because you're considering and wanting to leave? Possibly Chicago is on the list. Of which I just said and you said. No, I said it's expensive now. Once this is paid off, hopefully one day in years. You're spending thousands of bullshit and you're getting subsidized by your mom. Go on. What other options? Which will, by the way, be a couple hours closer to the other side of the family. I do know that. Yeah. Which is good. That is good. We like that. We do. We're out. Um, considered St. Louis. No, there was like almost no bigger declining city in the entire country.

23:15Go to a place with economic. You're literally complaining about your job and income and you're going to, you're considering places with worsening and worsening economic opportunities. At least Chicago. It's a mess, but that's decent. St. Louis has a lot of perks. A lot of people leaving. Yes. Same with Chicago, but St. Louis. No. What are the perks in St. Louis? The arch? Cheaper housing.

23:34Caleb Hammer:Dude, you know the income follows with that. I don't understand. Yeah, go live in the literal middle of Alabama. It's the cheapest housing you'll ever find. You'll make minimum wage. The 1 % that actually makes federal minimum wage, that's where. Yeah, I don't know. You don't understand why. I do understand that. I just. The cost of living is higher in some places. Yes. I guess I've just always looked more in like my field for like jobs. First of all, you already make basically not great income. I know. To be very clear. At your age, it's fine. But if you're making this same level of income inflation adjusted by the time you're in mid-40s, it's going to be horrendous.

24:10Caleb Hammer:And I feel like with where the scale is going on what you do, it's going to be around there. If I stay, like at that one place, like where I'm working now. In health inspection. Yeah. Like last year, we only got 2 % raise. So it was rough. Why don't you switch industries and get some education? Like, again, we're getting you free certification. Why not? Yes, you might have to start low totem pole. I just never. That'll still probably be the same income you're making now, unless you can work your way up through something with more career opportunities. And OF is not a career opportunity, especially for you.

24:47Like, I'm sorry, you're competing with Sophie Reign, who's one of the most attractive people in the history of the world. Probably has AIDS, but she is hot. Huh? Ari Kitsia. Huh? Ari Kitsia? She's hot. Oh, I'm getting a thumbs up from Brandon. Oh, yeah. She's dating Young Grave, you know. I don't know why I'm... I know young Gravy, but... Oh, he's talented. But I haven't asked him about his Olaf girlfriend. They saw her dating like last year, I think. Well done, Mr. Gravy. Yes. I appreciate you. Okay. And, but it's just like, you know, there's a lot of competition out there.

25:22Caleb Hammer:That's not the career opportunity that I think is taking you to the next level. Clearly what you're in isn't doing that either. And the child support is minimal. At best. So... Oh, you have no plan, do you? No. You're just latching yourself to this thing. You're riding into death. I'm just surviving. But barely. You're being subsidized by your mom. You're spending thousands on bullshit. Like, what the fuck are you surviving? What are you talking about? We're survival. I don't see survival. You're being an actual child, even though you have one of your own. It doesn't make any sense being subsidized with mom.

25:55I don't know. I don't think it's like that as bad. You wouldn't survive without your mother. We do love her. That's a fact. She is a great woman. Okay. She might be enabling her daughter of actually getting her shit together and taking care of her life for the very first time. How much debt do you have? I think around$40 ,000. Okay. It's rounded up about$50 ,000. How do you not know? How do you not know? You said you're trying to take care of this. Aren't you supposed to be a responsible single mother or are you just throwing it all away? I thought it was$40 ,000. Wrong again, idiot. Okay. Well, it's not.

26:29I must be missing something. It's technically in the 40s, but it's basically 50. Why are you so off? I don't know. What is that, like off by 20%, 10 %? Something like that? Yeah, that was pretty off.

26:43Caleb Hammer:Yeah, why? Why do you not know your financial situation at all? Because you have a dependent. You're not like a single person with no responsibilities, nothing, just f***ing around having some fun. It doesn't matter to me. You literally have a five-year-old. You don't get the f*** around. It is your responsibility. You do not have that choice anymore. I mean, I tried to budget. What have you tried? Where's your try? Tell me your try. I haven't heard. I haven't seen try. Where's the try? You tried to budget? Cool. Tell me how much went out last month. Please. Trying to budget? Please. Tell me. No, you don't get to see.

27:15Four thousand. I can't. I'm not wearing my glasses. Three thousand eight hundred twenty three dollars for the six cents. Why the fuck would that even be an option? Trying to budget. Where's the trying to budget? I don't know if you're trying to budget. That's more than you make by far. So where the fuck is that going? Trying to budget. I haven't seen trying to budget in here whatsoever. I got rocket money. I was trying to see where my spending was going. And did you see? I checked a lot. Did you see? Do you see? Do you see? Yes, yes, I see. You check a lot, yet you spend more than you make. Make that make sense.

27:41Put that in your budget real quick and make that math make sense to me. Why do you spend more than you make? I feel like that was like the first step, you know? Sure, first step. What did you do first step? I was trying to figure it out. Why haven't you moved on to step two, three, four, five, six? Why are you on first step at the point of step 10? I'm just not good at it. It's something I'm not good at. Good. It's automated. What the fuck's wrong with you? No, like sticking to the budget. Why? Hold yourself accountable. What are you not doing? You have a child. You need to be accountable. You need to be held accountable.

28:09You need to force yourself to be accountable. You have a dependent. In what kind of world do you think it is okay, excusable, potentially even cute, to not pay attention to your budget and hold yourself accountable? Why? What's wrong with you? I just feel, I don't know. What do you feel? What's feeling other than being a slut online? Like sometimes we have to like have fun. I don't. Have fun. You have to have fun. You have to have fun more than make sure your child is set up for success. Make that make sense. Why are you trying to have fun? Why is that important? So she can have a good childhood.

28:40Good childhood. You're throwing away her childhood. Good luck ever funding anything for her ever. Especially if this house goes away for whatever reason. Who knows why? Maybe not like not paying property taxes. I paid them. Okay. For now. Started. This year or last year. Yeah. You post your literal roast of beef online in order to get it. I bet it worked. It worked for now. At least for half of it. People start on who left strong, and it goes down 99 % of people. It's 1 % that make it. So what are you talking about? Why is fun more important than actually establishing a good future for your child, being able to pay for her things when she's in middle school, high school,

29:14Caleb Hammer:those extracurricular activities, maybe even to study abroad, going to college, being able to pay for her college. I guess I just— Get her first car. I think it'll all kind of work out. And how does that work? Tell me. How does it all work? Why do you think that? What's suggested in here is leading you to thinking it's all going to work out. Right now I'm seeing it's all worked out to you being 50 ,000 hours in depth. Reliant on your mother and literally posting your hairy titties online to be seen. I wouldn't say hairy. Or make it jerk off to. I want to make that clear. Onto the phone where your hairy titties are.

29:44Why do you call them hairy titties? I'm just assuming based on this. You haven't seen them on this.

29:48Caleb Hammer:Yeah, well. how many people have it's not going to be very unique if i do okay so

29:58Caleb Hammer:what is suggesting that it'll all just work out very confident you're betting that i don't know how are you gonna make more in your job that doesn't make any more two percent raise so you saw you got a two percent raise you saw that this career has no career trajectory you say it yourself where's your make more tell me how you're thinking you're making more i don't see make more Where does it make more? I haven't gotten that far yet. That far? That's about two seconds of thinking. I don't have a plan together yet. Plan? I'll get a plan. What are you talking about, I'll get a plan? What do you mean?

30:26Caleb Hammer:Why don't you have a plan if you're going to get a plan? Why is it always get a plan, not got a plan? I just don't have one yet. Why? I'll get one. Why? You started months ago. Where's your plan? In the works. No? Okay, where is it in the works then? What's been worked in the works? I want to see what's been worked out if it's in the works. Yep. So, fuck you. There's no plan. What are you talking about? You're just going to prostitute yourself again. You almost got railed for 500 bucks. You almost. That's wild. Come on. That 100%. Not almost. I didn't go. Yes, you were considering meeting up with a guy who was definitely going to fuck you in one of your holes for$500.

31:01Caleb Hammer:Are you kidding me? Prostitute. That's what this has led you to. And hairy titties online being enabled by mother and no career track. Sure. I'm okay with it. Yeah. Two consenting adults decide to do that. But that's what it's leading you to, and it's not legal. So$500, by the way, not a great price. At least charge$1 ,000. I don't know if you're worth that. I'd say no, but either way, you can at least try. So that's where it's led you to. Plan, that's been your plan. And you have nothing worked on in a plan. Why are you considering a plan if you're not even actually looking to make a plan? There's no plan.

31:32Caleb Hammer:You haven't sat down to even look at what might be a plan. You can't even look at your budgeting app. Not as good as DollarWise, by the way, but I get it. You have no accountability You literally flew in last night and went on the town with your sister And spent a shit ton of money Accountability Where's the accountability? That's not accountability That's you spending a lot of money on the town And probably hoping to get railed No No You're traveling not hoping to get railed We all travel and hope to get railed Nah we ain't doing that Hopefully not I do not Well not get railed Be the railer The lane of rails or get railed.

32:10No. Okay. So you just went out and you partied, spent all your money, even though you have a daughter at home that you're not taking care of. Your mother's taking care of her. She's subsidizing pain for the house. Let's be honest. Come on. Me leaving for two days is not taking care of my daughter. No, you paying and blowing all your money instead of actually setting up for any kind of success is not taking care of your daughter. Thank you. I take care of her. She has fun, but your mother essentially is subsidizing everything. She's taking care of her. You don't make enough money. no college will be paid for no car will be paid for no help will be paid for no extracurricular activities will be paid for if there is a medical need that requires a certain kind of diet that is not going to be paid for there is no way so we'll get there we'll get there yeah your daughter's really going to love we'll get there when all of a sudden that's recording you're like oops didn't

32:57Caleb Hammer:have it but we'll get there it's always we'll get there and after we got there that's great that's that's a wonderful selfish mother going out on the town when she can't afford it not even to save her life,$50 ,000 in debt, nothing to show for it. Literally$500 to go take some dick. Come on. What a sick excuse. Sad. Pathetic. What are you doing? I'm just confused why you've attempted nothing to do this plan. Attempted nothing? Yes, you downloaded an app. Well done. We're all proud. But you've attempted nothing. It's always go get a plan. It's always I will budget. Why have you never sat down and actually tried anything in your damn life other than it's all in the future forever.

33:37Caleb Hammer:You have a child. That's where it upsets me. If again, if you had nothing, no dependents, no nothing, we can have a fun little conversation. But you, you got a five-year-old that are about to enter the public school system. You, we're all going to be subsidizing you for the rest of our life. You, why aren't you doing anything, asshole? Who subsidized me? Just my mother. Oh, trust me. Why would you? Child tax credit? No way you pay net more in taxes. You were subsidizing you. Absolutely. I don't want to hear it. You get more than you give. You're a taker, not a giver. Absolutely, that is true. 30 ,000 hours a year.

34:08Caleb Hammer:Good luck. You don't give. You don't give. You're not a giver. And you're never trying to do anything in your life to move forward in life and actually contribute to this world in a productive way. I went to college and I don't have student loans. And how'd that happen? Yeah, you've never done anything yourself. My workplace. Huh? My workplace paid off my student loans. Oh, okay. How much student loans were there? So you did take student loans for what it's worth. Yes. 28 ,000. I don't even know what this note means. Colton said, well, she does have a boyfriend, kind of. He's 25, although she admits she usually only dates 22-year-olds.

34:47Like, what's happening? I usually don't like things that are serious. I don't. So I date younger because people my age like serious relationships. So you're literally just looking for hookups. Well, not anymore. That's okay if you are. No, I'm not anymore. I met this guy. I like him. We. You're dating? Yes. It's happening. Yeah. Where are you in this relationship? Very new. He knows about my dad, though. Oh, shit. I've already told him because I wanted to be very clear. Oh, they met through Snapchat.

35:14Caleb Hammer:So you're meeting guys through Snapchat. You met a guy through Snapchat and you... He literally... No way you didn't. We went on a date. At the end? Yes, exactly. It was a date. You met a guy on Snapchat. It is not normal to meet a rando on Snapchat. Not on Snapchat. That is weird. A random man on Snapchat, meet up and... Absolutely not. Through dating apps, people meet all the time. It's like the same thing. Dating apps is meant to meet people. Snapchat is not. A random ad on Snap is crazy. Snapchat is literally one of the biggest ways to communicate with multiple people. Not a random ad. I know you're like 40, but it doesn't work that way.

35:49Dude, you're two years. You're one year younger than me. What is wrong with you? But you just seem older. I don't know. It's something about you. What are you talking about? You're the one with f***ing dents all over your face that age you like 30 years. I know. No, my skin's so bad. Yeah, it's horrendous. What the f*** are you talking about? I look 40. What are you talking about? You look 50. energy what are you talking about I'm carrying this whole conversation you can't contribute anything just like the society hmm okay so you're meeting randos on snapchat no I don't think young people do that I've never met a random off snapchat until you did and it was him until the one

36:24I'm just saying people meet online all the time they do in meeting apps

36:29Caleb Hammer:snapchat is not a meeting app could be It's risky. Could have gotten AIDS. Um, that's wild. People don't get AIDS? That before you hook up with somebody, don't ask for their test results and look at the negative results. Look at the negative result. What happens if until they, what if they got something before, by the way, HIV doesn't even show for three months. You make them test before you hook up. Did you raw that night? No. A random Snapchat added you, Rod? I mean, I would have too, but I'm going to shame you for it. We had talked for like weeks before that. Weeks.

37:17A random Snapchat add is crazy. I've never heard that. If you have a public profile, random people can add you. No shit. I don't meet up with them. Normally I don't either. Until you did. Yeah, well, he was different. They're not people. They're not people with like profiles like on Instagram or something I would accept. I've done that. That is the same thing through Instagram. You see their friends. You see their followers. You see their everything. You see their life. Yeah, and we added each other on social media before that. We literally talked on the phone. We were talking for weeks. It's not that weird.

37:52Snapchat's the grinder of the straights. Might be from the way you've used it. Used it to take some raw semen. It could be, actually. He finished inside of you. That's a good... What? Did he finish inside of you? Which night? When you first met that night. I know it seems like a deeply inappropriate question. It's because it is, but I am also making a point here. Did he? The fact that you're not saying no means yes. He did. That's crazy. So a snap? That's crazy. Well, first of all... How is that crazy? I will tell you why it's crazy. Huh? A lot of people have like a, you know, a cum thing. A breeding kink?

38:28Is that what it's called? I'm glad we're learning about your kinks no no no I'm just saying the example listen you were dating a guy he did that that resulted in a child I got my tubes removed oh okay there we go okay that removes half the concern the second half of the concern is I know you did the little test result thing but people are liars even though it's against the law people are still liars no you have them pull them up on their like phone I know but something

38:52Caleb Hammer:can happen before then by the time within like 24 hours So he got tested 24 hours before. What about the fact that HIV can be untestable for three months, even though still contagious? Contagious? Prep. Huh? Prep. You're on prep? Whoa. A straight woman on prep? It's smart if you're having unprotected sex. Honestly? You're a whore, and we love it. You've got to be a responsible whore. You're certified. If you are a straight woman on prep, you are a whore, and I love that for you. And I love that for you. That's great. And now I'm tied down. So not a whore anymore. No, that's great. But taking a raw load on meeting on Snapchat blows my mind.

39:35I was trying to make a point here, but you're right. You actually did the same steps. Thank you. I will accept it. I will accept it. I will accept it. You're on prep. And you're right. If you got gonorrhea or comidium, it doesn't matter. It's a pill and it's gone. Yeah. That one's so curable. You've had those, right? Every whore has. When I was younger, yes. Everyone has when they were younger. Of course. You never? That's wild. I feel like everyone gets like an STI at least once in their life. It happens in college. It's okay. We accept it. Okay. Well, I think I at least understand you a little bit more now.

40:14We'll get into the finances. What do you think your financial score is zero to ten? Zero being the worst, ten being the best.

40:20Caleb Hammer:Zero. Okay. Listen, if you want your Hammer financial score, see where you stand in the world of money for free at CalebHammer.com. just takes a few minutes, see where you're doing poorly, what you need to do to improve, and where you are doing well. That is for free at CalebHammer.com. And also, if you don't want to be like a guest who ends up on the show, make sure you take prep and also download the DollarWise budgeting app. Again, there is a free trial, tens of thousands of monthly active users, using it to change their life for a reason because it's incredible. New features being added every single month.

40:48Caleb Hammer:It is the future of budgeting apps. And if you sign up only through the end of March for the annual version, I will personally sign my budget-friendly cookbook and mail it directly to you. It is going away at the end of March. This is the last chance to get it, and then it's going away. What do you think your whore score is? 0 to 10, 0 being no whoring, 10 being ultimate whoring. 12. She's a f***ing... Self-aware on that part. Huh? Herp's filled whore. We love her for that. If you want your whore score, go to calebhammer.com forward slash... When you want your spring break to feel like... And your kids' pool day to feel like...

41:26and your hotel bed to feel like ooh, and room service to feel like because at Hilton, hospitality feels like your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton, for this day. That's whore. See where you stand in the world of whore, where you need to whore more, and where you're not whoring enough. Good, good. I like that. Well done. Okay.

42:01Caleb Hammer:Discover. Discover it. Discover it. It's what most men discover that, uh-oh, I got bumps on my dick after I slept with her. They discovered it. No one has ever. What has been discovered in this one? Oh, my goodness. Can I tell you? I thought I had herpes once and it terrified me. No, me too. It was after I, like, shaved her. I coaxed her into it. She has herpes. No, I don't have herpes. She has herpes. After shaving, you get shaving bumps. And I went to the doctor freaking out. and they're like, dear God. They did swap them. I just had a zit. I go to the doctor all the time. They're like, you need more?

42:30Yeah. I just had a zit. You had herpes. Okay, so discover it. What happened? You didn't know a zit. How many STD treatments were spent on here last month? Discover. Okay. Discover it. Why discover it?

42:44Caleb Hammer:That's the card, discover it. It's not just a traditional discover card. It's discover it. Oh, I didn't know that there were. Well, I don't know if you have other discover cards. No, I don't. I don't. You have a shit ton of cards, so I don't know. Okay. Discover it. What's going on? It just added up very quickly. I originally opened it, I think, in 2022. Wait, you used to be a manager. Does that not pay more than what you're doing now? Were you a GM? I lived in Madison at the time. But still, it's from Illinois, so it's from that area. Yeah, I was there. I worked from 17 until 21. Were you a GM?

43:18Eventually, yes. Didn't you make more than you make now? Um, no, because it was, I mean, it was back in like 2016. I would say it was, you know. But you were a GM.

43:26Caleb Hammer:Inflation adjusted for sure. What were you making? What was your salary as this GM? I think now it would be more, yeah. What was your salary as the GM in 2016? 40 something. Oh my goodness. Yeah, probably about 50 then today. I think, I think pretty high today, yeah. Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

44:05The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

44:11Caleb Hammer:Listen, you can also get free samples to see if you like it or 10 % off your order at Gamer Subs.gg or click that link in the description below. Type in code Caleb. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a$350 bonus with a new Chime checking account and earn up to 3.5 % APY on your savings. And second, my investing app of choice these days is Webull and get a 2 % match on all of your money that you transfer over.

44:49Caleb Hammer:And finally, sign up for automated investing with Acorns. Typically, the sign-up bonus is only$5, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy! Links are in the description below. Why the f*** don't you just go be a GM at Jimmy John's? You make money. The hours were grueling. Well, you have to show up really early, and it's weird. Well, that wasn't bad. Well, it's like Wednesday to Sunday, right? Yeah. And you get Monday and Tuesday are your off days? So that's part of the issue. And then, yeah. So just like, it's like the schedule. But it just shows you can make more money right now, even just in food service.

45:29You could GM any like food establishment and you would make more.

45:33Caleb Hammer:Yeah, but maybe there's better hours. Panda Express pays over$100 ,000. Yeah. And maybe it's Monday through Friday. We don't even know. Like you're right. Not the best GM position. It just shows how you make nothing and any other job will pay you more as long as you actually buckle down and do a career position. Not just like hourly. Okay. Okay. Continue. Discover it. What? I think that one mainly goes. I know we went to back in 2022 and to Disney. I was 2022 and why? You also make no money. That's stupid. But yeah, I didn't. You still owe on it? I don't know if it's from. From 2022 Disney? What f***ing world are you still Loving on a credit card that is great interest Up the dick Well then I also put like stuff on there Oh yeah going to St.

46:19Louis recently I do go to St. Louis quite often Why? My best friend lives there Why? I don't know why she lives there She likes the city We have fun No you don't We saw a sexy red We saw a sexy red there Yeah, go see her in a better place. Where? Everywhere else. Yeah, so that one, like, sometimes I'll put, like, concerts on there.

46:48Caleb Hammer:Literally drive an hour away just to go to Seven Brew all the time. They're opening one, though. I'm so excited. Oh, no, that's horrible. That's horrible. Seven Brew closes this location you're about to open before she f***s it up. I'm so excited. No, they're going to fund their entire opera. Go be a GM at Seven Brew. That's not a bad idea. No, it's not. There's so many good ideas and yet you do none of them. You drive an hour away to go to this place and spend money. So gas for a coffee, for coffee. What even is 7 brew? I know it's coffee. What's so good about it? It's a chain. They just have a lot of sugar-free flavors and I like sugar-free flavors.

47:31You have a child. You drive an hour away for coffee? The hour, I mean, that's also where the guy I'm seeing lives. Oh, my death. Let me see this man. It won't be put on screen. Let me see this man. I need to see what this man is accepting.

47:49Caleb Hammer:Like, what kind of, what kind of guy? Like, we all need whores so that we can whore. But no one wants to settle down with a whore. Speak for yourself, motherfucker. Fucker.

48:03I'm trying to find, like, a good phone. It's like, okay. I'm sorry. That is sexist because you're right. Men are whores and they don't want to settle down with whores. It's a weird thing. I get it. But listen, men are sugarcoat. That is just the reality of out there. Culture might change at some point. It hasn't yet. You don't have a picture of this guy. The guy that's railing you. We do have a picture. Okay, yeah, it makes sense. Okay. Got it. Okay. Looks match. We love it. I got lucky. I'm down here. But like, at least, you know, you're both on there.

48:40Caleb Hammer:20 years to pay this off. Your child will be done with college. She'll be five. She'll be like three years into a career by the time this is paid off. Just for the sake of you going to St. Louis to see sexy red. Just for the sake of you going an hour away to Seven Brew and take some seven inch. We hope for your sake. Cause he needs something. I don't, um, I don't know. Yeah, I want to pay, obviously pay that card off. Uh, you paid your minimumancy payment and then spent money on it. You want to pay it off? Where's the you want to pay it off? I don't see you wanting to pay it off. Dude, it's maxed out.

49:12You want to pay it off? Oh, it's over maxed out. You want to pay it off? You want to pay it off. What are you talking about? Credit score 582. You want to pay it off. You're over the credit limit by$40. You want to pay it off.

49:20Caleb Hammer:72 cents as well. You want to pay it off? I want to pay it off. $80.91 of interest. Paying it off. That's not paying it off. Pay the minimum monthly payment? You only paid it off. Minimum monthly payment takes you to 20 years if you don't even purchase. Yet you purchased$25 ,089. What is your wanting to pay it off? I don't see you wanting to pay it off. You wanting to pay it off, liar. Liar. I'm not lying. I want to get some work done, so I want to pay that off so I can put it on the card. Work done? Yeah. Well, you're going to need a lot. What are you starting with? My skin. Yeah, that's what I would have started with.

49:49Caleb Hammer:Okay. How much is that going to cost? What are you going to do? Scar removal? Maybe. The answer is yes. Okay. Good.

50:01That's good. We all had zits. Some had worse. But I'm glad you don't anymore because you get sugar free. Yeah, I stick to a pretty strict diet. That's good. That's good. And exercise regimen. We don't need middle school craters.

50:15Caleb Hammer:That's good. Okay, what's that going to cost? Because I encourage it. Listen, that's self-confidence. And it's also, yeah, it's good. Yeah, yeah. How much is that going to cost? Depends on like how many sessions it takes. I won't know until I go home. What do they think? What have they projected? Have you sat down for a consultation? Not yet. What does a session cost then? I would say like 500. Okay. Because it's like kind of like, yeah. And this is a extreme mild or light case. I don't know. I haven't studied. Listen, I got my creators. I got them. I got them too. Outside's pretty bad. Okay. Extreme.

50:51So what is that? Like five inches? I'd say at least like one session a month for at least six months. Oh, boy. That's a lot. So it's a$500 monthly payment for six months? I think so. And you want to clear up this credit card instead of taking your child even more so that you can do facial reconstruction.

51:11Caleb Hammer:Of which, again, I do support this. I want you to do this for self-confidence, for many reasons, for the guy that's sticking it in. You know, I want you to... Why would I do it for him? What? Well, so he can be more attracted to you. I'm sure he's attractive to me. I said more. More? I don't... You don't want him to be more attractive to you? I mean, I wouldn't do it for somebody else. I want my girlfriend to be more attractive to me. I wouldn't want to do it for somebody else. You don't want to be more attractive? You should do work for yourself, not for other people. You should, but it's okay to also want to be attracted and attractive.

51:44Oh, I don't really care. Oh, yeah, feminist power woman doesn't care about other people. Uh-huh. Come on. We all want to be more attractive to other people. Shut the f*** up. What is this performative crap? Shut the f*** up. Of course you do. Okay. Of course, you're doing it for you. Yes. Yeah. But you're doing it also because you want other people to be more attracted to you. No, I just want to be able to not like wear makeup pretty much. Okay. Great. So instead, again, oh my goodness, you've already booked a$1 ,100 hair extension for next month. What about your future of your daughter?

52:17Caleb Hammer:What are we doing? What are we doing hair extensions for$1 ,100? Because my hair is really thin from like years of issues. So. What issues? Told you. AIDS.

52:36Not eating. And then, what is it called? Sorry, I'm like nervous. You got a touch of the anorexia? Touch of the Ariana Grande? Yeah. Okay. And then pregnancy. I'm glad you don't anymore. Breastfeeding takes it from you a lot, yeah. Your hair? Well, all the nutrients. I do think I've heard that. All the nutrients it takes to feed the kid. That's true. When I breastfeed Brandon, I do start noticing a bald spot. So I told him to take a break, but dude, I have to lock my door. That man's trying to get to my tits so hard. I'm just trying to grow it back a little right now. See? I'm trying to grow it back.

53:13That dude is busting down my door to try to latch on, though. Brandon, calm down. Calm down. No tootie milk today. You got to give me a month. okay yeah i get that i get that titty milk takes away i've heard of i've heard about it you okay am i going too hard

53:34Caleb Hammer:well i can i'm happy to back off i know i know i know we're going a bit hard i'm gooned up today i'm i'm coming in guns a blazing but no i i don't want to actually like I really don't know what to do. No, it's okay because the episode's crazy and it's hard. Of course, lots of onboarding and got permission for literally every single thing I've said. But in the moment, listen, if it's too much right now, I'm happy to back off. Well, okay. I think it's just nerves. Where do the tissues go? How can they be there and then all of a sudden they go away? Mark, what were you planning on doing back there?

54:12Holding a box of tissues. You freak. Love you. Freak. Mark sees women crying, and he f***ing takes the tissues and brings them closer to himself because I think he's about to f***ing jack off. Mark. We can keep going.

54:29Caleb Hammer:Okay,$107 minimum fee payment. Again, you're over the limit. Takes 20 years to pay off. Credit score is horrendous. This is rough. It's for an Apple bill, and it's for something zoo, some zoo thing. Oh, yeah, we went to the zoo. But again, just to max out a credit card? this indicates you cannot go to the zoo. If you have to put it on a credit card, that gets maxed out. It's as simple as that. I want you to give your child fun things. I do. They're a child. They want fun things. You want to give that. Was it for your child or was it for the date? Oh, no, that was for her. Oh, thanks. Okay. So Elise, again, there's a part there that I want, but this is telling you that you cannot afford it.

55:13Caleb Hammer:It's as simple as that. Listen, I'll let you use the fizz card, debit card, that builds credit, okay? And you need to build credit, but you can't spend more on your checking account than you have. A lot, yeah. Yeah, a lot. I went through like a time where I couldn't like keep up, obviously, and... You're at that time. Yeah. It's under 26.99 % interest rate. What's the point of putting these things on here that over... Like you got a cashback bonus of 26 cents. All that for this. All this for that. It's just... Thank you. Okay, Quicksilver one. What's happening? Oh, God. That one was opened for...

55:56You got pre-sale tickets to the Eros Tour.

56:01Caleb Hammer:For the Eros Tour! The Eros Tour! I think it was her last tour. Careful. Don't come after me. I don't mean it like that. I just mean you can't afford it, is what I'm specifically saying. Yeah, I mean, that was years ago, right? What? It was like a year ago. It was in 2023. What? You open this and it's still maxed out for A-Rez Tour, Taylor Swift, 2023? No, it's maxed out for like - For like new things. For Taylor, should I even be able to shake her butt for that, Taylor? Yeah, and then like, yeah, then this year, like four concerts. Sexy Red? No, that was 2023. 24. That was 24. Two in 2025 concerts to max out this f***ing card.

56:48Caleb Hammer:And keep it maxed out to never pay it off. Who the f*** did you see? Hobo Johnson. But that was a free Hobo Johnson. Hobo Johnson? Yeah. I would say the tickets aren't super expensive. We don't have knowledge of Hobo Johnson here. What's the next one? Cake. What? Cake. It's like a divorced 90s dad band. Well you speed ran that with your ex Okay Number three Um Who's that girl Or no not a girl Oh on a salve Did I go to a girl this year? I don't know We're maxing out for these people Number four Okay you got one I do love a good hosier And it's not like I don't even think it's a The concert tickets are cheap His voice is incredible live.

57:43He is such a good performer. He gets a little ranty on social issues that he's not really informed on. But he is. He's. Yes. Yeah. He gets a little performative. But that's okay because he is a performer. So I get it.

57:54Caleb Hammer:And also just blowing$60 every second of your life for new Alani flavors because you're subscribed to their website. Stop. Okay. I love Alani. You're done. You're switching to Gamer Subs. Just like your. And what was it? Seven Brew? You're making coffee at home. I just got rid of my Nespresso machine. Quiet now. You're making coffee at home. And instead of Alani, you're making energy drinks at home. These are free samples to see what flavors you like. They're very goony names. I get it. But literally every single person who's been on the show that has tried it loves it. All the commenters who have tried it love it.

58:27Caleb Hammer:It is incredible. We blind taste tested energy drinks. This tied first place. It is incredible. These are free samples. Then using, you know, code Caleb with Gamersubs, blah, blah, blah. Link in the description below. You can get free samples right now too to see what flavor you like. It's 40 cents a serving once you buy the bulk packs. 40 cents a serving. You're banking, coffee, home. No more 7-Bruf. You have a child. You're not on an Alani list anymore. Unsubscribe. Gamer Subs is what you're doing now. 40 cents a serving. Stop. Stop. Stop. Stop. You have maxed out credit cards in a child. It is no longer an option.

59:01Caleb Hammer:You owe, on a$500 balance,$493.16 with a minimum monthly payment of$25. five. You started way over maxed out the previous month. Mm-hmm. Which one's that? Huh? You what? What'd you call me? No, I said which one is that? Quicksilver one. Oh, it's the same. Okay. Yeah, you have hundreds of interest charged last year already. Hundreds upon hundreds upon hundreds. Oh my goodness. Are you clarining, affirming? What is this? I think it's affirm. Affirm. She's an affirm girlie who would have thought probably concert tickets. No, it's all Amazon. Oh, my goodness. $640.61. Crazy. Crazy. I'm going to assume your minimum payments are about$150.

59:54Caleb Hammer:Pull up your Amazon. Start a screen recording. Let's go. But you met a separate lover of your life at a Chicago concert. Are you going to leave the current man for that man once you finally learn his last name? because apparently you don't know his last name or anything about him? Goodness, no. That was just after the Hubba Johnson concert. He was an Australian man. Another random rail? We did not hook up. We just made out. We were waiting for it. You're dreaming of the rail. But he was Australian, and he had long, beautiful hair that went into his shoulders. I've been on this trend. I know the trend you're doing.

1:00:29No, that's the sugar-free. You're on the zero-calories, sugar-free Jolly Ranchers. My mom ordered those, and that was for my grandma. My grandma likes them. What is all financed here on Amazon?

1:00:41Caleb Hammer:Because I'm not seeing them. Those are from months ago. Bedshirt, gentle, 100%. Yeah, but they're still financed. Okay. No, those aren't. Those are my mom's orders. On your firm? No, no, no. No, your firms are still being paid for. Oh, yeah. I'm saying my Amazon. Cotton blanket? That was my mom. Okay. And I got rid of my prime, so I don't order anymore. That's good. I mean, laying down towels, I'm sure you need to. That's a good thing. I don't get towels. Oh, never mind. She doesn't. That's a bad thing. He doesn't do his job properly. That's not good. I have plenty of towels. I don't need more.

1:01:14But no, you'd have to like look back at like order again maybe. Those might show some of my purchases. Deal.

1:01:24Caleb Hammer:Candle. Gangster shirt. That wasn't mine. Lots of Jolly Rancher stuff. More shirts. You got long sleeves, crop top, booty, blah, blah, blah. Workout shit. Door of birthday party supplies. sexy body chains for women. Did it work? Yeah. I guess not. Dumping in. We know you love to get dumped in. Dumping in. What's dumping in? Peace reusable glass straws. Oh, no. Booty. Kome in my four years old era shirt. 29 birthday party decorations. You got your own birthday decorations? Yeah. Okay. Socks. Two-piece outfit for women. Pants. Gold waist chain. I don't know if that's fine. Okay, and then we're going further back last year.

1:02:07Caleb Hammer:We don't 100 % need to go that far back. And a gay shirt. Feminist, grossest, I told you you were like the version of feminist. Just based on the language you use, I don't care if anyone finds me attractive. We all care if people find us attractive. You don't need to be a strong, independent woman. I think you have to maybe go to therapy for that. What? So you can get rid of being such a people pleaser. Dude, it's literal basic biology for basically every living thing that has ever been found on this planet. The courting, the bird, the mating rituals. It is basic to want to be literally considered attractive to people.

1:02:42Caleb Hammer:What is this modern day? Because that's not real feminism. Like real feminism is supporting women's rights. It's supporting women in Iran who should be free to dress how they want to, should be able to drive, should be able to do things they want and not be married off at children. That's real feminism. They're not protesting that for whatever reason. I don't know why. It's more performative stuff like this. I don't need a man to find me attractive. I'm doing everything for me. And I'm going to post a whole of myself online. Fuck you. It's no longer feminism. You've lost it. One main financial 404.28 is owed.

1:03:20Caleb Hammer:Nope. That's a fucking lie. That's your minimum fucking monthly payment. And a 35 % interest rate. What is this? This is horrible. Oh. Oh. What is this? Um, what is this? You literally f***ing owe$6 ,507.05. Five cents! Oh, and a$4 ,0928 minimum monthly payment and a 20 and a 35 % interest rate of death. What is this? So. I'd get acne under the stress of having this if I was you as well. I was struggling. and... Why? Because you spent all your money going to St. Louis? Uh-huh. Um, I mean... What? I don't know, maybe. Yes, absolutely. It's tax season, and at LifeLock, we know you're tired of numbers.

1:04:20But here's a big one you need to hear. Billions. That's the amount of money and refunds the IRS has flagged for possible identity fraud. Now here's another big number. 100 million. That's how many data points LifeLock monitors every second. If your identity is stolen, we'll fix it guaranteed. One last big number. Save up to 40 % your first year. Visit LifeLock.com slash podcast for the threats you can't control. Terms apply. You kidding me? Come on. So I was going to pay off everything. So I would have one payment. You consolidated under 35 % interest rate. I didn't understand. I thought it would be better just under one payment than multiple.

1:05:04Ew!

1:05:06Caleb Hammer:Consolidating to a 35 % of interest rate, I've never even heard of that. No one's ever done that in the history of this world. You're the first one. You're the first one. You are the first one. You made history. No one's ever done this. I'm sure other people have, but you're the first one to ever do this. What the fuck is wrong? I don't know. It's crazy. They're making so much money off of you. Why didn't I just start a company like that instead? Why couldn't I just not have morals and just abuse the financial system we have?

1:05:37Caleb Hammer:What a wasted opportunity. Oh, my goodness. Yeah, that one's rough. I didn't understand. Dude, I swear. I swear. We're both whores. And we like different things. Everyone has a different flavor they crave post-nut. Mine, for some reason, I want McDonald's fries and ice cream. You just want to take out a 35 % interest rate. You come and you're like, I need to get a 35 % interest rate loan. This is what you flavor. Some people need a cigarette. You just need a horrendous debt that will destroy your life. That's what is happening. Yeah, I've been paying on that for a while. Want to know a dirty little secret?

1:06:13And no, I'm not starting an only f***.

1:06:16Caleb Hammer: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 DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back, click below to get started.

1:06:48Caleb Hammer:Guys, just real quick, don't forget to take your Hammer Financial Score at calebhammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. Calebhammer.com. Have you now? I bet. I bet. When did you do this? What was the balance when you took it out? I bet. I think it was$9 ,000 or$10 ,000. And you built all the cards back up again. Who would have thought? If you don't change the behavior before you do bankruptcy, consolidation, transfer, personal loans. Yeah. Get up. Sorry.

1:07:20When? I think it was June of... 23. No, 24. Oh. 24. Okay, okay. Oh, my goodness.

1:07:36Caleb Hammer:Well, you had lawyer debt. Daycare debt? Mm-hmm. What? Who does daycare debt? Not even in Minnesota. Who are you going to daycare debt to? To daycare. Why? For what? I have lost my help. What? The state helps if you're... Oh, for f***ing. So I lost it. Why? And then I'm, they, well, okay, because this was years ago, 20, I don't, years ago. But I had started making more because, yeah. And then I had gone over the threshold. But once I reevaluated, it was fine because I used to count in child support as part of your income. Who did you owe the debt to? I owe the debt to her daycare. Oh, my goodness.

1:08:20How much was it? How much daycare debt did you accumulate? Like$6 ,000. What the f***? Well, a month is like$1 ,000. What the f***? Yeah, and I, like. No wonder those places are making so much money. With my subsidized, like, I paid$2.50, but. And? But I have to back pay. The lawyer. The lawyer's from custody. What? So more did happen. I mean, kind of. Not really. It was just, I was served with paper, so I had to get a lawyer. How much did you spend on lawyer? I have$1 ,200 in debt to my lawyer, but. I love it. That's why I love serving people because I immediately send them into debt if they're being assholes.

1:09:06Yeah. It's my favorite thing to do. His retainer was like$3 ,000. Oh, yeah. Lawyers are chunky. Yeah. They're chunky. That's a cheap lawyer. Yeah. That's a cheap lawyer. But yeah, like in the area, it's more expensive. A halfway decent lawyer is like a$15 ,000 retainer. Well, our area is cheaper. It's like. Lawyers? I don't know. Yeah. I mean, it's like$300 an hour.

1:09:23Caleb Hammer:Yeah, for shit lawyers. No, he's like the best in our area. 300 is okay. It's just a low retainer. Yeah. Well, they didn't think the case was going to be that long. I see. Okay. And was it? Was it easy? It was like a year, maybe. So the dude wanted to have more custody. Yeah. Why didn't you give it? Well, at the time she was breastfeeding. So you can't. She had to breastfeed. Wait, don't they pump and give like overnight milk? She refused bottles her whole life. And sorry, it was after she was. So now he never gets custody because of this? That doesn't seem very nice. No, he gets extended time in the summer.

1:10:07Like we agree. Oh, a small part of the year. We do everything without lawyers now. We just talk about it and make her schedule together. And now we do like the family days. But he gets, because we live so far apart, he can't really do 50-50. Or are you sure you're just bad at teaching your kid? Because you literally bought a cat last year just to get her to potty train. Okay. Children can be difficult. What? Crazy. Well, you don't have any. I don't. But guess what? And potty training. You know how I was born? I was a child. And that happened to every single human throughout human history. You're not a unique case.

1:10:41Potty training was taking a while. And so she had her chart. And she had been asking for a cat for years. So I said when she potty trained. Well, she's working. She worked for it and she got the cat. And why didn't you just adopt the cat instead of doing a$400?

1:10:58Caleb Hammer:You spent$400. On what? The cat, I'm being told. Oh, on like stuff for the cat. No, we went to the shelter and picked out a cat. That's good. And it was like 50. That's my lawyer. You still owe this. I thought the consolidation was for that. So do you still owe the daycare? Yes. Oh, for dick's sake. What are we doing? So you literally still owe the... I hope they sue you. So you have to go get another lawyer. I make monthly payments. To the lawyer? To the daycare. Okay, but you owe the lawyer$1 ,281. Why haven't they gone to small claims, I'm curious. I don't know. So what are you doing with this?

1:11:39I don't know.

1:11:40Caleb Hammer:What am I doing with it? You're just not doing anything? You don't care? I do. I just, it's not. You haven't asked for a minimum payment? No. Why'd they do the work without you actually paying the retainer? Because that's what a retainer is. I paid the retainer. So this was additional? Yes. Why they do work without you paying for it? They bill you after. Because they'll put their hours in there. Yeah, but usually they do a monthly bill. Oh, I don't know. This is weird. Okay. Why don't you just call them and ask for a monthly payment? And did you pay the retainer or did your mom? Ah. I was a college student.

1:12:16So she did. Yeah, but you've just done nothing ever. I mean. And what have you done besides birthing a child? When I found out I was pregnant, I went back to school to get my degree to try to make a better life. Yeah, but you got a shit degree. That has no return in the market. You didn't have access to Google?

1:12:35Caleb Hammer:That's weird. Is that not in the Midwest anymore? Did they take that away after I left? I don't think so. I don't remember. You want to take a break or is everything okay?

1:12:48Caleb Hammer:again I'm happy to like tone down the tone is set by just like kind of what we talked about and agreed on and I'm happy to bring it down I really am I do not want to bring you to the whole point of this conversation and for those watching is it is certainly intense and it certainly is over the top it is for this you know the show and the sake of the conversation and you know the meeting guest has paid off. What was it? Shit. I forgot. 15 ,000 in 12 months. I don't remember. Or like over$20 ,000 in 12 months. Like it works. But the thing is, the tone is set by what you agree on. And I'm happy to be down here when you need to be here.

1:13:28Caleb Hammer:Because I bring the chaos and craziness and jokes and humor when the guest is okay with that. Of which, you know, you were. But I'm happy to bring it down. I just think it's like, when I talk about her. The kid or the mom. The kid? Okay. What's going through your head? What do you think about the kid? Tell me. I don't know. That I'm just a bad parent? I don't... Yeah, you f***ed up. I'm not going to sugarcoat. You f***ed up. And you're still prioritizing fun. It is fun out of love for the kid. You're not bad in terms of you are like an actively choosing to like, well, okay, you're making choices, but you're not abusive.

1:14:15Caleb Hammer:That's not the kind of bad you are. You're bad in terms of you have to manage the household finances for the sake of the kid because it impacts it. I grew up in the financial household. I know how it impacts. And luckily, my youngest brother who's still in the upper ages of high school, he's grown up in a great financial household because they learned it. I was the first one. This kid's the first one and last one from the sounds of the removal of tubes, but it is still your responsibility to take care of this. Yes, you fucked it up, but you don't have to from here is the whole point of the show.

1:14:48Caleb Hammer:This whole point of the show goons and goes crazy on what you are doing now and what you've done, but it doesn't mean your future is bad. You get to make the choices leaving from here, and you get all the resources, the Master Your Money program, which has all of our classes, the premium version of DollarWise cookbook, meal plan certifications the fizz, helium for cheaper sales service, we give it all every resource you could ever need plus more if you request so it is your choice from here yes you f***ed up and it is good to acknowledge that so I respect the tears on that part but now you need to get your s*** together, okay for the sake of your kid for the sake of your kid because your kid's all that matters in this world to you, okay?

1:15:36Caleb Hammer:That's typically how it works. Why do you owe your friend 200 bucks? I'm sorry. Her and I don't really talk anymore. Why? Because you owe her money and didn't pay back? No. Why? I don't know. Things just got weird. Well, because you're bi and you went lesbian with her? No. That's a shame. That would have been fun.

1:15:57I think that one she had used her card

1:16:04somewhere. I don't know. Okay. Well, maybe we'll pay that back. Okay, but you owe your mom$4 ,000 to$6 ,000. I'll say$5 ,000. Why? What the f***? The retainer for the lawyer. Oh. Are you doing monthly payments to your mother? How does it work? We haven't really talked about it. I've sent her like$500 once, and I haven't sent anything else since. Oh, your mom bought computer games. Oh, she, my computer broke while I was in college and she bought my new one. Okay. Oh, she gave me an old car too and helped with groceries.

1:16:42Caleb Hammer:Okay, she did everything. Eastern Illinois University where they founded you and money too. Why? I was late returning the textbooks. And I think it was past the time. Hey, dude, have you ever done anything? Daycare? Yeah, there it is. Okay, what's your minimum payment to daycare that you owe$5 ,400 to? Um,$250. My life. That's insanity. Oh, my gosh. Current, okay, here we go. Is this car? Yeah. Oh, what is the interest rate? 17%. Ah! Why?

1:17:27Caleb Hammer:$22 ,636.74 at 17 %? Oh! With the$536.88 minimum payment term probably forever. What is this car? What is it? It's just a 2019 Nissan Rogue. What do you think it's worth that you owe$22 ,000 at 17 % with a minimum payment you cannot afford to save your life for a Nissan Rogue? Well, good luck with that transmission. How much do you think it's worth? I think like$14 ,000 $13 ,000 Yeah Bro I didn't want to buy a car But I had to Okay you had to buy a car Why didn't you get a$10 ,000 car? I wanted to make sure it worked Worked? I don't know You don't think a$10 ,000 car works? Take it to a mechanic Take it to a second mechanic Get it approved by them I just needed one really quick.

1:18:22So you rush into a complete financial mistake that's destroying your entire life and accruing a minimum payment that you can't afford to save your life? Yeah. What? That's how you make decisions? My old car, it broke down literally like on the side of the highway. That sucks. You can Uber for a couple weeks. I'm sorry. We don't have Uber in the area. What? When was this? Oh, sorry. When did my car break down? Yes. May, April. You didn't have Uber or Lyft or anything. what and for my job i have to drive every day what and then to take my daughter to her dad

1:18:57Caleb Hammer:i have to have a meet halfway get a rental car with your insurance get a rental car that's still better than making a long-term error that's your entire life get a rental it's not great it's not the most affordable thing in the world but it would have saved you tens of thousands of dollars going forward yeah so look for a car for a couple weeks instead of a couple hours and i didn't want to ask for a co-signer. Oh, but your mom also gave you an old car to use that was just sitting. No, that's the one that broke down. How much did it cost to repair? They couldn't repair it. There was like a leak.

1:19:31And they said... Can't repair a leak? It was in like some weird part of it. And the mechanic a couple years ago told me to get a new car when I could. When you could? You couldn't? Yeah. But there was no really real way to fix this one. Because there was a... Rattle car. Then get a$10 ,000 car. Or. You're. You're fit.

1:19:59Caleb Hammer:Yeah. 17 % interest rate of death. Okay, that looks like all your debt. Mm-hmm. You're only a couple hundred bucks in checking account. And it's all. Oh, it's all. Dunkin' Donuts. Going in and getting some bullshit. Starbucks getting bullshit. Bullshit. Starbucks. check. You're writing a check for$100? Writing a check for$100? That's daycare. They don't do online payments, so I have to write checks or do cash. Ginger ale, ginger ale, Sonic driving, Starbucks, getting some bullshit. That's why that's okay. Walmart's unknown. That's where I grocery shop. I hope so, but I hope you get nothing else while you're there, ever.

1:20:42It depends. Exactly. That's why it's unknown. Bullshit

1:20:48Caleb Hammer:Affirm, affirm, affirm Starbucks, potential Bullshit of groceries or a mixture of both Another check,$990.61 $900 $90 Oh, that was half of my property tax Ay, ay, ay, ay Going in and getting some bullshit Going in and getting some bullshit Going in and getting some bullshit Going in and getting some bullshit $100 check, getting some bullshit Dairy clean bullshit seven brew death grind head that's a coffee oh spirit halloween that's a shit ton of money um bullshit check hundred bucks bullshit bullshit ginger ale once more ginger ale ginger ale bullshit bullshit bullshit bullshit bullshit yoga Check for$250.

1:21:49Caleb Hammer:All the checks are daycare. Oh, you went negative. Oh, that one. You went negative. You bounced. You went negative. You went negative$23 with that. Yeah. That's crazy. Bullshit, bullshit. Affirm. Bullshit, bullshit. Potential. Which also that Walmart push you negative. The affirms are, you know, paying off. Yeah, I know. I didn't say those are bullshit, but they're still affirms. The Walmart one, which sometimes a part of it is bullshit. I bet every time. Pushed you a negative$12.71. And then Starbucks. Like, what are we fucking doing? Overdraft fee got to this period. And last year in 2025. Well, actually, no, because this was in September.

1:22:28So I'm sure it was even more. So only three-fourths of the year. Either way. What is it, 32 per overdraft? Yeah, 26 overdraft. You probably had 35 overdrafts by year end. What the f***?

1:22:47Caleb Hammer:You're a mother and you're choosing to go to Seven Brew while you're overdrafing? You're a mother. You stop at a gas station and get some bullshit. You're a mother and you're overdrafing? You're a mother. F*** you. You do not get to go to the zoo when you're overdrafing. F*** you. I'm sorry. You are a mother. It is no longer an option. This is no longer a choice. Driving an hour for Seven Brew is not a thing.

1:23:08Caleb Hammer:Okay, so five. No, this is projected. What do you even have in retirement? Because it's just projected what it's going to be. I think almost three, maybe. Yeah,$2 ,650. It's a little different for the state. They automatically take like 8%. Yeah, and it's not doing great. It probably isn't getting great returns either. Yeah, and then if you work there for like the number of years, you'll never run out of your retirement. I know. Well, pensions, by the way, are being pushed to the absolute mask, especially in Illinois. They're pension. They're pension. They're not funding pensions correctly. I don't even know if that'll actually be there in a sustainable or high enough way to take care of the bills by the time you retire.

1:23:47Pensions don't want you. With the regulations and pensions and the risk-adverse nature in pensions, their growth rates are absolutely horrendous compared to the overall marketplace. And it doesn't keep up,

1:23:59Caleb Hammer:and then it's harder to pay out.

1:24:03Caleb Hammer:It's brutal. Okay, income. We're not counting OF anymore, so$3 ,600. is your income. I also get like$200 for reimbursement for gas for my job. That's like the average. Okay. Okay, so$3 ,800. That's the average. So every piece of gas. Yeah. I'm putting gas at zero and income at$3 ,600. Debt minimum payments. Let's find out. So your mom owes the house right all, or full out. No. Then why are you paying property tax in these weird chunks instead of paying her for the property tax portion of the mortgage. Her mortgage is set up. It doesn't include the property tax in it. Yeah, I'm just, okay, it's weird though.

1:24:50So I don't, oh, like why do I pay more? Okay, either way,$1 ,484.16 is your minimum debt payment. So that's chaos and yet you're having fun? Come on. What's your rent? $3.65. Is that including the property taxes? No. How much of that? $2 ,000. Per? Year. Okay, so$2 ,000, which you need to save monthly, divided by 12 plus$365. Okay, your monthly rent is$532. Gas, electric, utilities, all that combined, how much? And internet as well. Let's say I don't have internet, but$350 for, yeah, water and gas. Okay. Phone bill? $75. Okay. Car insurance? $180. do you? Necessary food. It's going to be, I'm going to say$500.

1:25:40You and the kid, meal plan, meal prep, warm up. That's what it's going to be. Follow the meal plan, follow the cookbook. Easy peasy. It's a little annoying. It's not the most luxurious thing in the world, but you'll be fine. TP fund, 200 bucks, anything else you and the kids need to survive. Toilet paper, tampons, all the good stuff. Makeup.

1:25:57Caleb Hammer:Medical health here. Co-pays, why not on a monthly basis? No, about$40 for medication. Okay. You have a gym? 30. Good. Subscriptions, I'll also put 40. You have pets. You have a cat. You have pet insurance? You do now because no way you can take care of it if something bad happens. 50 bucks, how much for pet food? About 25 for everything. Anything else on a monthly basis that I need to take into account before we know what your minimum budget to survive is? No. Okay. Basically a break even. $3 ,510.16. Does he ever miss child support? No. That's good. But you have an extra, call it$89,$84 a month, and that's if we hit it exactly, you know, utilities and all that.

1:26:47So it's probably closer to$80 or$100, something like that. But the reality of your, what was it,$48 ,000 of debt?

1:26:59divided by 89.89 533 534 months to pay off it's literally 45 years 44 years listen your career's not a good career just gonna let you know time to look into other careers getting into other things yes 90 to 5 Monday through Friday I agree with that but even earlier said i'm not getting subsidized ccr child tax credit and helping to pay for child care yes you are it doesn't matter that's fine but let's get you to a place where you're not subsidized and you are out there being a giver in this world and you're bringing enough money to take care of your

1:27:38Caleb Hammer:debt now that's going to take work that's going to take time certifications that means this debt does not move for a bit and or preferably and what i would allow keeping this car but you change your behavior for two months. You follow this strict budget, show that you can follow this strictly for two months. I will allow you to go through bankruptcy. Not cheap, not stress-free, but still at least wipes most of this. Maybe not the daycare, certainly not family debt. And we want to keep the car or maybe not. Honestly, potentially repo, you know, voluntary repossession, then get the rest of it wiped from bankruptcy and you get a 10 ,000 hour car on a shitty interest rate for sure, but a 10 ,000 hour car that we can manage.

1:28:25That's a play.

1:28:26Caleb Hammer:Then you wipe that out. You get a fully funded emergency fund and that's our future, but you cannot do any of that. Just like your big 35 % loan you did earlier. You can't do that until you at least prove you can follow this budget exactly for two months. And if you f*** up, then no, you don't continue. You don't go through with bankruptcy. You have to start over again. That's what I would do, but you also need to look at career change. Cause this is not going to be enough for a single mother going forward. If you're a dual income household, maybe. Single mother is going to be hard to give her the future you want, okay?

1:28:56Caleb Hammer:Guys, the post show is going to be great. We're going to bring in her sister and they want to confront her for her sister wants to come in and confront her depending on her mom. The post show is going to be great. It's going to be one of the best ones we've ever had. But let's get the hammered financial score first. Spending your budget, you overspent 0 out of 10. Debt? Well, family debt, all that stuff. But no collections, no IRS debt, so 1 out of 10. No, you do have collections. I mean, yeah, the lawyership. Okay, 0 out of 10. Emergency fund, nothing 0 out of 10. Retirement's extremely low for 29, 1 out of 10.

1:29:25Caleb Hammer:Real estate, nothing 0 out of 10. Hammer financial score rounded up to 0.5 out of 10. Get yours at CalebHammer.com. Now click the join button. Join Hammer Elite, the number one and best membership on YouTube for a reason. Three premium shows posted every single day, Monday through Friday. High quality premium shows, including extra 20 minutes to this episode and the financial auto post show. I'll see you there. I know you wanted to come on and confront your sister about the reliance on your mom. Our mom works really hard. She doesn't make a ton of money, but she loves us unconditionally. Mom works like 100 hours a week.

1:29:58She struggles with her bills, and she financially supports you.

1:30:02Caleb Hammer:This is something that already happens in the family, and yet we're seeing it right here. Yeah, I guess so. Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.