"Financial Audit Doesn't Work"

25:36My plan works. Dave Ramsey's plan works. I'm sure Ramit's plan works. Follow whatever plan you want to as long as it works. That's all that matters. I'm trying. Well, then obviously it's not working and you don't vibe with this. So maybe you need a different plan. Some plans work for others. Some people need tough loves. Some people need soft coddling. Some people need, you know, intellectual talk. Some people need a nice little goon sesh, okay? Everyone is different. As long as you, the end result is you get better. That's all that matters in the end. It said that my fixed costs are 84 % of my income.

26:07Well, you've built all your debt up. You're tit. That's what happens. I think my plan would have said that too if I asked that question. Which you don't. It's not a plan. It's a score. Like what? One's a plan. one's an assessment. Yeah. They are different. Okay. I also, can't do stoplights, can't figure out online assessments, can't really do much, it seems. I also had an issue with one of the sponsors that you did. Oh my gosh, okay, why do you even watch this show? Because I think it's hilarious. Okay, well, all you have is complaints. Oh, wow. Okay, what's the little sponsor you didn't like?

26:51It was a payday loan sponsor. It's not a payday loan. Oh, okay. It's... It's cash advance, which just... Cash advancing on your paycheck. No, no, no. Just like credit cards. I advocate for the Fizz card as well, which is a credit card. It is borrowing money. Borrowing money is not an inherently bad thing. I like using these tools. I like using a little... If I want to get, you know, something, I do a little advance thing. Like, that's okay. As long as it's managed, actively paid back. But it's... Okay, so the issue I have with it... First of all, if it was a payday loan, it would be like 1 ,000 % interest.

27:21No, it's one of those things where you attach it to your checking account. I know. And when your payday hits, you can get the pay like a week early. Yeah. If like bills are aligning weird. And people - So just like credit cards, okay, you're trying to talk while I'm actually explaining what the thing is because you have a problem with it. And I can actually explain what it is because, of course, you probably have no nuanced idea of how it actually works. But in reality, just like a credit card, it can be absolutely abused. and personal loans, bankruptcy, private, you know, private student loans, even federal student loans can be used for people use it for things all the time that aren't about school.

27:53Every debt can be a tool. It can be a hammer that you can use to build a house. It can also be swung back and hit you in the eye. If you use it incorrectly, then I would tell you to off. Don't get anywhere near it in any future read. I do for it in the future. We'll include something like that. Of course. But if you use it correctly, why the not? It's a tool. It's a tool that can benefit you that you can use to your advantage. Like a 0 % furniture loans. I do those all the time when I get something new. I don't abuse it because I'm a critical person who can manage it. Yeah. So as a payroll specialist and being in payroll, I see employees all the time because.

28:30Abuse it and not use it correctly. Because companies offer it as part of their benefits package. So abuse it and not use it correctly. They get stuck in a cycle, Kayla. Exactly. Hey, guess what? You're stuck in a credit card cycle. I see this every day. It doesn't mean I'm Dave Ramsey who says all credit cards should die. If you can use credit cards, use credit cards. If you can use that, use it. It is just like gambling. If you think it is fun and you can actually manage it, I don't care. If you can smoke weed and actually manage it, I don't care. If you can go have a drink at the bar and manage it, I don't care.

29:00If you're someone who is endlessly addictive personality, never step foot near those things. That's why I don't drink or smoke. I know I'd be right, I'd be down that hole immediately. If you can't manage credit cards, don't use it. If you can't take a personal loan out to consolidate a debt and then build up your debt, then don't do it. If you can't manage that payroll thing and not completely, don't do it. It is the same for any and every tool, activity. If you can't... Hey, what's up, y 'all? Kelly Clarkson with Wayfair. My favorite thing about the holidays, decking out my whole house. It's not a competition, but if it was, well, I'd win the season with Wayfair.

29:39Outdoor inflatable Santa? Got it on Wayfair. Trees, lights, and ornaments? Wayfair. Hosting must-haves like dining sets, beds, sheets, and towels? Wayfair. For everything in your style delivered with fast and free shipping, visit Wayfair.com or the Wayfair app to win the season. But again, it's not a competition. Wayfair, every style, every home. Start gooning without ever being out of the finish? Don't start gooning because you'll be there forever. If you can't play video games without also being able to go outside and still socialize without it destroying your life, then don't do it. It is the same for everything, lady.

30:15Everything is nuanced more than just, oh, you know, I see so bad things. I see bad things here every day with Capital One. That doesn't mean I say don't get a Capital One card. I'm just saying that I really respect it and appreciated that you always, like, told people not to use those. And so it just really disheartened me. The people on this show. Yeah. I tell you not to use a credit card because you're a who can't use credit cards. You're not a credit card person. Yeah, I know. So I tell people on this show, do not do debt consolidations. You can't. You can't. I tell people on this show, do not open a credit card.

30:52You can't. They are different. I am different. You are broken. you can fix it and become a person who can use those tools. Hey, people with gambling addictions on the show, I say don't gamble! Lindsay, she loves a nice little Vegas trip. She can manage it. So I say go, girl, go. F***ing spend that money. Have some fun. It is a nuanced thing. And obviously the people on this show, you're correct, should not! You f***! And the people on this show are your viewers. You say that all the time, that most people who come on this show are from the viewers. Well, one, again, because you didn't listen correctly, every single person who comes on this show is a viewer.

31:40So let's start that. Number two, the viewers are tens of millions a week. I have not had tens of millions of people on this show. We put out surveys once a year collecting the demographics of our show and the financial positions on the show. At least 50 % of the people on the show have an incredible net worth, do incredibly well. Many people are in the beginning stages and they use this show and find a way to do better. Not every sponsorship is going to be for everyone. Guess what, you tit? I do a NetSuite sponsorship as well. That's for businesses that make over a million dollars a year. Is that for every guest who comes on this show?

32:13Is that for every single person in the audience? Well, of course not. Because that's only 55 ,000 businesses that use it because not every business is large enough to take advantage of that product. So obviously it is curated to people that would benefit from that product. I'm going to get into these numbers. You are not a smart person. This is ridiculous. Where are you? I'm just saying that. You have no nuance. You are like an internet person. Kind of like your score? The score has nuance because if you select an answer to a question and then brackets into different points based on the answers you gave before.

32:48If it was you creating a score, it would be a survey with five questions that none of it change or adapt based on your previous responses. Because you're TikTok brained. You're TikTok brained where you can't see nuance on anything. Brained. I'm not saying you're a TikToker. Okay. So your financial score sounds like it was a two out of 10 rounded up. Yeah. And if you want that, you can get that at calephammer.com like I already said. But if you don't want to be like a guest who ends up on the show, one, don't get in a car wreck like her because it clearly ruined her brain. but two, you can also download the DollarWise budgeting app.

33:20Take the free trial, see if you like it and if you do, sign up for the annual version because you save a lot of money when you do that and then I'll personally sign my budget-friendly cookbook and mail it directly to your door. I usually have a copy right here to hold up but it appears to have been stolen from me so I don't have that and that's okay. DollarWise.app and CalebHammer.com. Anything else you want to complain about that you didn't take more than 30 seconds to think about before you did? No. What are you going to say? Oh, Dave Ramsey's plan of saving up$1 ,000 before going into debt instead of having your highest deductible paid for like the money guys advocate for is actually more smart.

33:56Dear God, no. I don't like Dave Ramsey. You don't like him? I like the money guys. I like you. I like Ramit. You know, we all agree on 95 % of financial personal finances. Girl, you're a fan of this show. This is the judgiest show that has ever existed. Okay, but you're like goonie judgy. Yeah, I'm goonie judgy and he's religious judgy. Exactly. It's different. Yeah, it is. Okay, it is different. Okay. Capital One. Yeah. Capital One. What's going on? Oh, man. What's the balance on that one? Wow, I would hope you know. Okay. $2 ,071.58. Cool. That's my platinum card. That was opened in 2022 because I had to quickly move out of an apartment into another apartment.

34:45Why? Well, because... They decided to stop subsidizing you because you make decent money and you just blow the rest on concerts? I mean, not really, but kind of. Okay. Oh! So I didn't know that that was a subsidized apartment, so I filled out the paperwork and I was approved. Good f***ing. And then three months later, they came back and were like, oh, by the way, you make too much. And I had to move out within 30 days. So I was like, okay. Yeah, no, I was totally fine with leaving. Yeah, I'd make you pay market rate until you could transition. That seems like a pretty brutal system. I would just make you pay market rate.

35:18But okay. But you had to borrow to move? Yeah. So listen, you're in subsidized rent, meaning you had a lot more money left over. Why'd you have to borrow to move? Because I don't have any savings. I have a really hard time saving money. Hard time. Why do you have a hard time? I'm kind of one of those people who I make sure that all of my like minimums are paid every month. Wait, actually. Everything's paid and then anything left kind of just disappears into the ether. Ether. I do have a concern. Yeah, sure. You said you've watched the show for two years and it sounds like you've been watching Ramit.

35:53Is it Ramit or Ramit? Ramit. Oh, okay. I always thought it was Ramit before this, but I guess that is a little more. Yeah, that sounds right. Okay, good. You've been watching him for a while. You've known of Dave Ramsey for a while. if you've been consuming all these things and you've done nothing, what is this actually going to change, this conversation? Yeah. Because you've been watching the content. See, even the 50 % that answer our annual quiz that do better, you know, than vast majority Americans who are in the audience, and then about 25 % are struggling and 25 % are on their way. That's usually about what we see.

36:31You know, they still watch the show, one, entertainment, two, motivation. Surrounding yourself with money content, money books, things like that. Keep people motivated to their goals. You've been surrounding yourself with this shit for years and you've done nothing. In fact, I've seen a snapshot of last month and it's horrendous. What the f***? This year, I finally got to focus on my mental health. What mental health? So I don't want to talk too much about that. but it did help me a lot to finally get my meds in line. So now I'm working more. Okay, so you feel a little better this year. That's good.

37:11Great. Well, we're at the end of the year, so. Things are getting better. No. No. No. I see a late fee on this first credit card is actually what I see. I also see income coming in of basically what you said, actually a little more. It must have been a triple paycheck month. Okay, that came in. Yet you still spent more than that. Hundreds more, in fact. So yes, believe it or not, numbers actually add up in equal numbers. And that's what the accountant who went through this found. I know you help with payroll, but. For sure. No, I totally agree. Numbers do count. Yeah, the amount of stickers on front of it is not going to make the math work more.

37:56So the reality of the statements that we have, which is the month, shows you bringing in$3 ,810.92 and total out. Out. Wait, was how much in? $3 ,810. Oh, okay. Of the statements that we have. Statements that we have. $4 ,108.52 went out. Can you tell me how much went to going out? Because, listen, you're getting better. How much went to going out to eat? Yep. So going out to eat was about$600. $528.79. Okay. So you wrote that down yourself, and yet you've changed nothing. Yep. That's an interesting strategy. In the last month, things have definitely changed. Oh, the month I knew I was coming on the show, almost like every single person in the history of the entire existence of this show.

38:45That means nothing. If you're going on The Biggest Loser, then it doesn't matter if you were healthy for a month. You know you're coming on the show, So that's why we do the previous month, because this is a real month. This is what the life actually looks like. You're spending almost minimum$1 ,000 on bullshit. Reminder, we are subsidizing you spending$1 ,000 on bullshit. That is unacceptable. You're milking the taxpayer. You're making everyone's cost of living go up in Seattle so that you can spend$1 ,000 going out to eat and doing miscellaneous bullshit. I don't think that trying to have fun and live my life while also being able to live a more healthy lifestyle is necessarily always bullshit.

39:29Hold on. I mean, I'm sorry. Listen, this is a complicated position to be in. I want to follow your rule for the one, your thing. Yeah. Right? Yeah. So I'm not going to make fun of the thing you chose. Yeah. I'm not going to. But you can say I'm unhealthy. You can't say living a healthier lifestyle. You can't say that here. You can't lie. A gym membership might be nice, but you can't say healthier. It's not a gym membership. Okay, well, you can't say healthier lifestyle when$1 ,000 went just going and consuming bullshit. You cannot. I won't make fun of the thing. I follow every rule that the guest tells us to not do.

40:05She said don't make fun of it, so I'm not going to. That's great. I respect everyone, and you get to make up your own rules. You cannot tell me that this is being healthier. So at the end of July, I completely... Which, by the way, pause because I'm the interrupter. Yeah. I apologize for that. Listen, I will agree that, yes, health comes before finances. I've always said mental health comes before finances. There's been follow-ups where someone's mental health got worse, their finances stay the same. I said focus on mental health before you do finances. Physical health absolutely does. We had a caller in to our Hammer Elite Hammer Out show where someone needed a surgery, and I said, go into f***ing depth for it.

40:44You need this shit. It's not an option. You're blowing$1 ,000 going out and doing bullshit. That is not health. If you pointed in here and there was 500 on Ozempic, I'd be like, I'm okay with that. This is not health. Can I take one minute? Take a step outside. Take a step outside. Welcome back, and I'm glad you're feeling better. We got some tears, anxiety tears, right? Yeah. Okay. You know, and I wasn't going to, I was just going to strictly move on because I was like, oh, I don't want to trigger her. But I have a no, I think Colton typed it that you wanted to explain yourself more. Yeah. At the end of July.

41:24So middle of July, I went on a trip to Worlds of Fun in Kansas City with my best friend. And in 2023, I started taking Wagovi and I lost 80 pounds. That's good. So then I had to stop it in September of last year because I switched jobs. I went from a job that paid 23 an hour to my job now that started at 30. So why'd you have to stop? My new insurance doesn't cover it. Yeah. Okay. And that's why I am not on them anymore. But I am just doing a total life change. At the end of July, I started. I threw out everything in my pantry that was processed and replaced it all with whole foods. Which I appreciate, but that comes back to where we ended.

42:13Right. You spent$700 going out to eat. I know. I also spent, by my calculations, about$800 on groceries. That's good. I'm not complaining. A lot. Did you hear me call out groceries? Did you hear me call out groceries? I didn't. I complained about the going out to eat. If I'm not complaining about it, I don't care about it. I complained about the going out to eat. I totally get that. And is that healthy? No. Well, Hot Pot is really healthy for you. Really healthy? Compared to other options of going out? Compared to other options, sure. If we're comparing going to a salad restaurant versus going to McDonald's, of course.

42:48But it's still, it's, I go to Hot Pot. I like Hot Pot. It's not like, it's still incredibly high sodium. It is still a lot of things. But I have lost 15 pounds in the last three months. So. Keep going? Yeah. I. Keep that going. I mean, that's a win. For sure. But it's the 700 going out to eat. Yeah, absolutely. Budget health as well. Budgeting is so stinking hard. No. It's hard to start with the debt and then move, like get started, I guess. Okay, what's hard about getting started? Just like collecting everything. Your minimum payments? But it's not difficult if you put it in a budget and apply dollar-wise though, because it just tells you.

43:33Well. You get it all. I can't afford dollar-wise, too. No, that's a literal blatant lie. You spend$700 going out to eat. That's true. It is a few bucks a month. I can't afford. Like, off. Hey, I would like to explain to you. It's a podcast. Can I talk? You can, but that was a lie that you can't afford it. Well, yes. That's why in this bullshit alone, it's$400. So, like, what? Also, with my ADHD, out of sight, out of mind. If I don't have it in front of me, I forget to do it. So I have a budget book. Your subscriptions, you already spend$47.39 a month. Yeah. So yes, you can afford it. Now, I understand that.

44:22Maybe you're better pen on paper. That's okay. But you can use that to set up because you said setting up's the hard part. So let it automate, set up, and then write it down. So I did try setting up auto pay. That's auto pay. I'm talking about you said it's hard getting all the debt set up in terms of minimum payments. Let the app automate where everything is going and then just write that down. And then you can manage it from there. But if you have the hard time of just getting it set up, then again, let a system automate and write it down. Well, I tried Rocket Money, but it didn't make any sense to me.

44:57Well, a lot of them have a higher learning curve, which I also agree is kind of bad. So that's why we moved on from Rocket Money and we support DollarWise because it's much easier. So I tried DollarWise at first. I was one of those that like started it right whenever it came out and it was real buggy. So I deleted it. That doesn't matter. That's already done. Yeah. That's long and gone. I can try it again. Yeah, it's a completely different app. It's not even close to what it was at the beginning. It looks completely different. Everything's different. It's a win-win. You get money and I get money.

45:28These 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. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy! Links are in the description below.

46:05Is it just me or did the holidays just sneak up on us this year? One second I'm judging people for putting up decorations too early, and now I'm panicking because my guest room still looks like a storage unit, and I've bought exactly zero gifts. Beautiful. But thankfully, Wayfair exists. It's your last minute holiday survival kit. I picked up a new rug, throw pillows, and a set of guest towels because apparently paper towels aren't festive. All shipped fast, all for way less than I expected. And yes, the delivery was free, even for the big stuff. No dragging a dining table up the stairs like it's 1847.

46:36Wayfair's got everything. Storage for the post-holiday chaos, decor to impress the judgmental relatives, and even kitchen gear if you're feeling brave enough to host. I'm talking gifts, guest prep, and holiday mood lighting all in one place. Get last-minute hosting essentials, gifts for all of your loved ones, and decor to celebrate the holidays for way less. Head to Wayfair.com right now to shop all things home. That is W-A-Y-F-A-I-R.com. Wayfair, every style, every home. Let's get back to the podcast. But yeah, so paper and pen for me is probably the best. But I definitely want to try Dollar Wise now that you guys have fixed it.

47:14Like my brother tried it. He's been fixed for a long time. He really liked it. Yeah, it's good. The whole engineering team over there working on it. Last time it was a third party that wasn't very good. and that kind of sucks and mistake on my part. But as long as you finish mistakes, that's all that matters in the end. Yeah. Listen, you have a late fee on here. Yeah. Why the f***? So most of the late fees are because of the platinum card and one of my milestone cards. I didn't realize that they were due earlier than my other credit cards. This episode is brought to you by State Farm. Listening to this podcast, Smart Move.

47:52Being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling. Just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. You were on auto pay. So, I did try to set up auto pay for all of my stuff. Hi. But then... 30 seconds. I made a payment on my student loan and I checked the little box that says use this information to set up auto pay.

48:30Okay. Five days later, they took out the auto pay. Okay. It's my account. What was the payment? $260. So it made like my insurance... You should not be in a position where that make or breaks you. With where you're being subsidized and where you're spending your money, $260 will you spend$700 going out to eat? Like... Yeah. That's you. That is not the student loan's fault. That is your fault, your spending behavior, your lack of responsibility, your immaturity. It is your fault. You've had two late payments this year. So, okay, maybe that excuse is the first one. What about the other one? I don't know about the other one.

49:02Exactly. I don't know. So this is behavior. This is you. This is not student loans. Yeah, but I'm trying to change it. Hundreds in interest this year so far, 30 % interest rate. Okay. I asked my mom about like how, like what I would have learned from her about finances. What I would have learned from her? From growing up, like being around her. I was like, how'd you handle your finances? And she was like, well, we didn't have savings. I didn't have 401k, but everything was paid for and you had what you needed. And that's kind of like how my life has been so far. And that sounds good? No, I'm saying it's not good.

49:38That's how it's been. And I want to change that. Okay. When did you hear that from her? Last week. Okay. I was going to say, if you heard that growing up, like. Yeah. I asked her, I was like, Hey mom, I know that like, we never had money for like doing a lot of stuff. So I'm just curious how you handled your finances. And she said, basically, Oh man, you're going to love this. So my mom's first husband, uh, the father of my two older siblings died when my sister was two. Wow, I love that. So she got Social Security death benefits from that. I'm sorry. She didn't have savings. Especially because you're crying, you're anxious, you're sad.

50:23So I'm sorry for saying this. Oh, no, no. Go ahead. But why the f*** does your mom matter right now in this conversation? I don't give a f*** about how she runs her finances. It's not you. What we learn as children with finances is— You only learned how she ran her finances a week ago. But I knew we didn't have money. I knew she didn't have savings. So? And that's, I'm just saying that's how my life has been. Shouldn't that encourage you to want to have savings? When I saw foreclosure notices. It does now. When I saw having foreclosure notices when I was growing, dude, you're 34. When I saw foreclosure notices on my house when I was growing up, that meant when I was 23, starting to finally learn what money is, I was like, oh shit, I don't want to be that.

51:01So I fixed my shit by what, 25, 26. I don't know, learning at 34. Okay. Okay, this is a firm. Yes. At a 25 % interest rate. You got Amazon, Samsung, Bluetooth headphones. That's what we need to be financing when we're getting our shit together. Yeah, we're really getting our shit together with that. Yeah, I needed headphones for my hour walks three times a week. No. No? Your Bluetooth headphones that were more expensive than you could afford? No. I mean, they were part of a bundle. You don't need them to go on a walk. You want them for your walk. Okay. Well, they were part of a bundle with my watch.

51:43Bundle that you can afford. Did not need your watch. Well, the Samsung one is on 0 % interest. Okay. It's a minimum fee payment. You can't afford your minimum fee payments. You did not need it. You did not need that Oura ring that I see around your finger. It's actually the Samsung ring and I paid for it with my FSA card. Okay. So that's. Well, that is money going from your FSA that could be used on an annual checkup and whatnot. Already did. I put$3 ,400 a year in my FSA. It is still your money. Just because it's tax advantage doesn't mean it's free money. Do you think I should lower my FSA then?

52:14Because I max it out every year. We're not saying that, but you're still spending that money on something that you did not need. FSA is use it or lose it. Go to spend it on GLPs. I was going to, but it was not financially a good idea. Had to use those funds. You did not need to get Bluetooth headphones. True. Or the watch. I got the watch because I swim twice a week for an hour, and the ring does not track your swimming laps. Do you hyper need to track it, though? You already know what you're doing. I mean, my weight loss doctor wants me to. Yes, you can track things. You know how most people track their workouts?

52:53Well, a lot now on Garmins and shit. Absolutely, absolutely. But you know what we've done the vast majority of time since we've had phones? you put in how long you worked out at what level of resistance or effort. And then it just does like what it thinks your calories is. Is this a perfect? No, but you're still tracking your workouts. You don't, I'm saying you don't need. My watch measures that though. I know it doesn't. I'm saying you don't need it. I don't know how to measure it without it. How do I measure my heartbeat while I'm swimming? No, no, no. Cause it's not going to be an exact 100 % calorie, but it is going to be in a very good range where you Google, if I'm this height, this weight, this age, and I swam at this effort, this pacing for this long, how many counters did I probably lose?

53:38Boom, import it, you're good. And then you didn't just spend money you couldn't afford. Listen, it's not the worst. It's not the worst. I'm not dying about it. But the thing is, you're trying to justify this. You're trying to justify this. You're trying to justify this. You're trying to justify everything. If we justify everything, I'm saying, fuck you. Okay? If you got one of them to watch, cool. We'll call it there. You're justifying everything. But it was a bundle. You didn't need to get the bundle. My gosh, lady. Okay, your monthly payments are like 100 bucks a month. Pull up your Amazon because you're buying things on Amazon too.

54:08Hold on, I have to sign in because I deleted it so I couldn't access it and then I downloaded it again for you. So just a sec. While she's pulling that up, I'll say on the Merrick Bank, we got$956.23, which is maxed out. Basically, minimum fee payment,$41. Oh, fees. It's an annual monthly fee. Okay. Merit. With interest. Focus on your Amazon. Oh, sorry. Four years to pay this off if we do minimum fee payments only, which is what we do, and don't purchase, which I'm sure once there's ability to purchase, we will. Hundreds of interest as usual. There's no ability to purchase on that. It's closed.

54:49Good. That's good because you're not a credit card person. Okay. we got lots of meal prep containers I'm not freaking out about that a little concerned you didn't have them but that's okay if you see they're returned because I spent$120 on them and then I found them on Facebook marketplace for$24 a thousand pens and aesthetic book shit espresso classico columbia that was for my chia pudding okay leather repair patch tape kit oh I got a free office chair for my at home office for work because I'm hybrid. And it's a really nice chair but it just had a hole in it. Whiskers. For chia pudding. Leather repair kit.

55:34Braided band. Watch. I don't need commentary, thank you. Well. These aren't the worst. Most of them are things like toilet paper, tissues. This is okay. This isn't the worst. Lots of all of a sudden chargers and cords that came out of nowhere. We were in an era. And then there's some, we got cases for our Bluetooth Samsung things. There's the Samsung Galaxy AI Smart Ring. How much did that cost? Bundle. I think about$350. That was not part of the ring. That was on the FSA, Caleb. It's still your money. Use it or lose it. So the only option I would have is lower it. I know, but you know you have more things to use it on.

56:12We've already talked about them. But I still have money. Okay, good. It's not the worst, but it is a lot of things. It is. What was the merit card you used for before it was closed? Merit card was the trip to Hawaii last year in May. Yeah. So we went to Hawaii for a week. We stayed at his company's house. And we went with six other people, two of which are tech bros who make like 500k a year and my ex who's also a tech bro and is that like 250 a year and so i had to pay for my own food oh that's where it was going okay oh my gosh so i opened a credit card so i would have the funds available thank goodness i'm glad the city of seattle and everyone's rents went up endlessly to subsidize her hawaiian vacation Well done, Seattle.

57:11Maybe I need the mayor of Washington on so I can tell it's for these policies. Because at least when I had the governor of Michigan on, they don't have, it's illegal to do rent control policies because it discourages building in their city. In the cities in Michigan. Well, with all the construction I see, I don't think they're not building. They're building a lot slower than demand, though. A lot slower than demand. Why do you think the cost of living is so substantially higher there? I thought it was just because people make more. but that makes sense. They're often correlated though. Yes, people make a shit ton in San Francisco, Silicon Valley, but they have to.

57:47They have to because they have to afford minimum million dollar shacks because they won't build density in Silicon Valley. Crazy. And also like NIMBYs, right? Yes. What do you think Seattle and rent control basically is? Yeah. Okay. Yeah, you're taking advantage of it. Very good. Milestone. What's going on with this? because it's basically maxed out,$910.49. Yeah, what I was saying. Interest accruing, minimum fee payment, 46, which is what you're doing, takes three years to pay off. What I was saying earlier is I have always very much been the kind of person who makes the payment and then spends what's left, like what you just freed up.

58:30Yeah, didn't we already basically see that on the firm in Capital One? Yeah. Yeah. That's still happening. Not I have been, you are. Yeah. So closing is a good step because I would close cards that you cannot manage. Because again, it's the hammer that's swinging back hitting you in the eye. I was trying to pay them down and I just kept spending on them. I'd close everything, including your firm. As soon as I pay them off, I'm planning on it, but it's getting hard to get them paid off. And I don't know where my money's going. Well, then obviously that's not f***ing working. Okay, so this is new.

59:04I just did this, but my usual. You don't know where your money's going. My usual is this, where I just write down my bi-weeklies. Yeah, I'm sorry. Your system's not working. Listen, yeah, you went super girly with it, and it's cute. We love it. Oh, it is cute. But it doesn't f***ing work for you. So I don't give a s***. So I don't know what else to do, though. We've already discussed it, dude. Use an automated app. Even if you're less inclined to look at it, set reminders for yourself. They exist for a reason. And why do they cost money? Because every single account you connect automatic costs us money.

59:36So an asset costs money. Trust me, the margins are not as great as everyone thinks they are. Most budgeting apps lose money. In fact, we know one of our competitors, Monarch, loses money. At least we have a slight profit margin. Oh, they're pretty big, but yeah. I kind of have a plan. For a 35.9 % interest rate. What's your plan? Yes. This next one's over maxed. Yep. So I'm selling my house. Good. We'll talk about it later. Yes. It's worth twice what I owe on it. I hope so. Where are you getting that information from? My realtor. Not good information. Okay. And also Zillow, but I know Zillow is...

1:00:16That's not great, but at least it aggregates data a little better than a realtor who might just be trying to sell you on it. Yeah. Okay. Okay. Well, that'd be nice. So I'm hoping... Oh, that's a debt payoff plan, but that's not a sustainable debt payoff plan. Because again, that's like bankruptcy or consolidation without changing the behavior in the first place. And I see last month's behavior is still spending$1 ,000, which is over a fourth of your income on bullshit at a minimum. By the way, it's probably closer to a third. We'll see. So would I immediately destroy all the equity you have in your house to build all your debt back up again?

1:00:48I wouldn't necessarily suggest so. You can say you're different, but I've seen it on the show every time someone's tried to do that. Well, I already closed all of my credit cards and deleted all of the apps off my phone except for the ones that I had to redownload. It's a good start. I'm not saying it's a bad step. I'm not. If you don't change your behavior for proven three months before you do this though, then I wouldn't do it. Yeah. It's the same with weight loss. Exactly. It needs to be sustainable. Everyone can delete DoorDash from their phone. I need to see what it looks like over the course of a few months before you jump the gun.

1:01:18And I'll come back on the follow-up show and we'll see that. So why are you over the limit on this second milestone card? Late fees because I didn't realize. Why are you late? I didn't realize it was due earlier than my other cards. But also, also I found out recently. You're talking about auto pay. Because I don't have the extra money chilling in my account to cover it. Yeah, you spend a thousand on bullshit. I know. You say, you have some reasonable talk throughout this conversation. Fuck you. Look at your decisions you're doing right now. This makes no sense. Yeah. Like, I don't, like you, you say some reasonable talk to not get pushback and I appreciate that.

1:01:50But like, what the fuck? Look what you're actually doing. That makes no sense. Oh, I didn't have$45? Fuck off. 107. Well, no, it's because you were late. Yeah. Also, the late fees over the last couple of months are on purpose. They're on purpose. Because since they're closed, I did the thing where I called them and asked them if they could lower the interest so I could get it paid off. Uh-huh. Except that's the late fees for the past few months. I've had a late fee almost every month this year. So that one, they lowered it to 0 % interest because it has been late so many times. My other two cards with that same company.

1:02:25Oh, it's late so many times. I understand the past couple of months. It's been all year. It took, it was. All year. I had it set up to come out on my second paycheck of the month, not realizing that it was due. All year? Yeah. I just realized it a couple months ago. So it's like looking at stoplights. This is incapable. Sure. If that's what you want to say, Caleb. Well, I mean, it's been all year. You weren't seeing anything happen. You're writing it all down in your fancy little books. Yeah. Which obviously doesn't work. The fancy little book is just writing down what is due during that paycheck.

1:02:57and then I go in and make those payments. You don't check if you ever make the payments on time? I wasn't at the time. Also, so that one is now 0%, so I can pay it off. But the other two are not eligible for the 0 % because they've never had a late fee. So for the next three months, those will be late because I would rather have the 0 % interest. How late though? It just less than 30 days. because it could hit as a miss on your credit no no yeah it'll only be like they send me a notice saying it's late i go in and pay it absolutely not wanting it to hit my credit i hope so based on how you manage things if you actually manage that appropriately very curious i feel like you're really really hard over the last several years to get my credit where it is so where's your car i want anything to hit it.

1:03:52It's not great, but it's 622.

1:03:57pulled up from like 520. I'm trying Caleb I'm trying

1:04:08$618 $51 on this destiny card almost maxed out again 21 minutes to pay off 2 years basically $43 minimum to payment what's going on with this card? originally open for Hawaii and not just by 2 cards? oh 4 great multiple late fees this year are we surprised? it was for clothes and stuff like that 36 % interest rate. Yeah. It's insane. Concora, the company who owns those three cards, it's kind of like, I don't know, just crazy interest rates that I never thought were even possible. Credit one. Yep. The worst of the worst. What is going on with this? So that one, I actually closed it several months ago.

1:04:58Okay, you've closed them all. They sent me a notice asking if I wanted to reactivate it. Yeah, they want your money. I felt like I was doing better at the time. And see, this is the concern with all the good talk she's had. With the good talk, like, I'm fixing, I'm fixing, I'm fixing. She just did this. She thought she fixed it like a month ago. Then she reopened and f***ed it. Dude, no, you can't do this. You can't give me all that good talk, that good self-talk, when you literally just proved a month ago that it didn't work. I know. That's why I reclosed it, Caleb. You asked for it, and I'm delivering.

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1:06:13And since it's Black Friday, I'm giving you access to our members' exclusive audits, financial audit post shows, and more insider content in our newly upgraded Hammer Elite 3.0 membership. I've wrapped it all into what I'm calling the Ultimate Hammer Bundle. Sign up for Master Your Money today and get lifetime pricing at just$39.99 a month, over$100 in annual savings, and access to the DollarWise Budgeting App Premium version, one month of Hammer Elite 3.0 for free, plus a free budget-friendly cookbook that you can download. This insane offer ends after Black Friday So if you want to master your money Click below and get started today 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 Yeah I'm glad you did but I'm talking about How you immediately thought you did better after like a month So you reopened it, then you f***ed it Now you're gonna sell your house goes, oh, we fix it.

1:07:15We're fixing it. I'm going to pay it off and it's all going to be good. No, you just proved you can't do that. No, that's why I have a plan in place and I'm not ever going to be a credit card person. No matter. OK, so I have co-workers. I have a co-worker who I told him I closed my credit cards and he looked at me. He said, how are you going to pay for anything? I don't give a fuck about your co-worker. And multiple people have said that to me. I don't care about them. Debit card. I'm just saying this is like the Seattle attitude.

1:07:45So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Guys, it's a Seattle attitude. You gotta have credit cards. No one else thinks that. You're weird. You think... Why do you think that only happens in Seattle? East side. Making friends in a dollhood after school. Using credit cards to buy things. Only in Seattle.

1:08:38No, maybe it's a Missouri idea. No, it's not. It's in everything. It's an everywhere thing. Everywhere has all of those things. I had never heard before people only spending on their credit cards and then paying with their checking accounts. That's not something that I knew existed. Like, they don't use debit cards at all. Who does that? Do you do that? Yes, of course. We live very different lives. Yeah, you're f***ed. I know. I'm not. We do. I fixed it. I'm trying to fix it. Yeah. I know. Will do. Maybe. Well, I hope you do, of course. But like this, the way you talk about things is concerning me.

1:09:26I'm trying to be optimistic. Exactly. And optimism is okay, but blind optimism is not because you're kind of setting your, you know what you're doing? You're taking the W before it's happened. Okay. There is, there was some report or study done on, we've already talked about weight. So like essentially it's been like, you go up to someone after you've dieted from work, you're like, I'm on a diet. And you already get that win that you would have felt if you actually actively dieted and worked out for a few months. And someone said, wow, you're starting to look good. You immediately get that win, even though you've done nothing.

1:10:03You're getting the win of saying, I'm going to work on it. It's going to get better instead of actually putting in and getting the results. Yeah. So that's why you're doing all this self-talk and all this positive talk and all this. Listen, optimism is okay. I'm not saying don't be optimistic, but you're already accepting the win before you've even done anything. Because we see here and it's only an L. And your actual behavior and spending that you've done and are doing at this exact moment are only an L. Yeah. Not a win. So I think that my mindset has changed a lot. Cool. Mindset, not behavior.

1:10:34So I don't care. Because. I'm sorry. I'm not going to hand a win to it. I'm not just for the sake of being a nice. I don't want the wind. Then I don't care what you're saying. Okay. I'm sorry about that. Like just because you're crying too and I'm sorry. Like I am not going to just sit here and treat you different. Right? I'm not going to. I'm not going to because your mindset has changed. Excuse the behavior not changing. Like I'm not. I'm not trying to excuse. I'm just trying to explain. But the explanation is a cope. Okay. It is a preemptive victory lap that has not been earned. Okay. Wait, do it.

1:11:11Come on the follow-up channel. Come on the follow-up channel, and I'll give you all the high fives in the world. No, no, no. I'm not telling you what you're supposed to do, but I will tell you what you shouldn't do. And what you are doing throughout a lot of this conversation, and we've honestly probably caught some of it because it's been absolutely obnoxious, is you're...

1:11:30What are you crying about? It's just reverberations from earlier. I'm not upset. Okay. I feel like you're - It's just anxiety. No, I get it. As an anxious person, I get it. I really do. I understand. Every single time I say, hey, this is bad, you're like, well, I've 100 % changed and I'm changing. I'm going to change it and everything's changed. It's not. And I'm not allowing you to take that victory lap because it won't result in anything. Because you know what you in your brain wants from that and what you're hoping for is a high five, walk out the door. Like that's what you're instinctively wanting.

1:12:05You're wanting the positive benefit that comes before the change has been actually provided that provides the hands, like the high five. Come on the follow-up show, show that you've done it in the behavior and I will give you a high five. You can't come on here and say, I'm changing, it's going to change and everything's great. Well, everything on paper is completely f***ed and expect a high five. That is not going to happen and I'm not going to allow it. And that's a bad way to live. Because that means you will never actually go and do the work to get the reward of actually feeling good because you're already feeling good telling yourself you're going to do it.

1:12:38Okay? So minimum monthly payment on here is$59. Interest fees. Yeah. You only paid$30 towards it. Oh, is it credit line? It's actually$30. And a late fee. Which was taken off. It ain't because you have a late fee. So it is usually$30. Taken off that time. We've had fees this year like crazy. interest this year like crazy over the credit limit if I'm not mistaken. Great. Okay. Capital One Quicksilver. What's going on? So that was a Walmart card that was transferred over to Quicksilver. So only ever used on groceries. I have since closed it because I would make the payment and then go get groceries and sub-race.

1:13:24Transactions. I'm having a transaction right here at Walmart. It just happened. I'm glad you did everything like the day before you came on the show. I'm sorry. This is what you just did. You just purchased at Walmart. Interest accruing. What's the rate on that one? 30.99. IRS? Yeah. What? They say that I didn't file in 2018. But I've never not filed. Not correctly. Clearly. Yeah, so it's that. Is it ever your fault? I mean, it's my fault that I didn't file for sure. I'm just saying that I didn't realize that I didn't file. Okay, sure. I'm not trying to say that any of this isn't my fault or it's not that.

1:14:13Well, you just said, but I file every year. No, I said I have filed every year. I didn't know that I didn't file. Okay, 2019 was. It's only$5.58. You spent more on bullshit last month. You could have killed this. Yeah. But I thought you fixed it. I thought you fixed everything. Well, whenever I do my weekly, like my biweekly budgets, it doesn't feel like I have the money to do that. Because you spend it all on bullshit. Does your biweekly budget tell you that? No. It just tells me I have like$200 left over after my fixed costs. I don't think your cute little pamphlet is working then. You might be right, but I want to change that.

1:14:55and I want to do better. There it is. Which I appreciate it. I want you to as well. That does not excuse that this just happened. Because that's what every single guest will say on repeat when they can't handle pushback. I know what you want. Congratulations. You are like, what? Okay. A question from me. Yeah. Sincere. What do you want from me when I tell you this is bad, what you did was bad, and then you say, well, I want to change it and do better. Yeah. Do you want a hug? No. Because the reality is, cool I'm glad you want it you're doing nothing to fix it so I'm not just gonna accept the fact that you want it and it's okay well I try like you you handle every piece of pushback with well I'm gonna change it I'm doing better no you're not I tried to set up a payment plan for it but it doesn't give me the option you don't dude you spent more than this that bullshit last month you just kill it I know I didn't realize that I spent that much until I crunched the numbers when I was sending you guys the statements It's a late penalty.

1:15:56Wait, another IRS? All of that one. Is this a separate IRS? Yeah, that's for this year. It's just what I owe for this year. Good, dude. What are we doing? Please don't tell me. Why is there a third IRS? No, that's the same one. Oh, amount passed through. You're passed through on your minimum? No, that's just the amount that I owe from 2024. $5 ,366. Why do I have$555.22? That's the 2018 one. No, I have 558 and 555. I have two separate balances. No, there's only one. Literally? From last year, you owe$53 and you haven't paid that? Well, no, not yet. I'm going to. Uh-uh, she's going to. Okay, so she's excused.

1:16:42Round of applause, everyone. She won financial audit. She won. She gets rid of, there's no pushback required. What? After we just had that conversation, you had all year. It's the 11th month tomorrow. What? I'm going to? F*** you. Yeah, it's out of sight. That is not an answer I will ever allow on this show in the history of the f***ing world. Especially from you at this point. You're a repeat f***ing record. I'm going to? You should have. yesterday, this morning, right now. Should've, could've, that's hindsight 40-40, but we're here today. No, you are not getting out of this conversation from I'm going to.

1:17:26You've had all year. Yeah, no, I'm totally fine with you. You're looking at me a part of it. What do you want me to say, Caleb? I'd rather you shut up than not say that. Okay. Good, I'm going to? No, maybe you can tell me why you didn't, but don't give me a cope I'm going to. When everything here suggests no the fuck you won't, Like I will not accept it as an answer You can tell me the why behind something But don't give me the cope I want to change, I'm going to change, I am changing When no At the time I didn't have the money on me $55? And then I forgot about it Out of sight, out of mind Until I pulled the statements I forgot that it was there They don't send you a monthly statement No, but they will garnish your wages I don't even know, man and I will be willing to process that garnish.

1:18:17Your attitude on all this stuff and the way you view the world is like, this is unhealthy. I might need you to change your worldview before you change your budget, how you interact with all this. I know you're trying to be positive for the sake of positivity. That's all good and well. But if it's resulting in harm, which it is, then I don't give a f***. So I have kind of changed my worldview over the last eight years. Wait, wait. Hit me with a, I just changed again. No, no. Let me explain. Okay. When I first started getting credit cards in 2012, I had in my head that it was, I was never going to pay it off.

1:18:58So it didn't matter if it was maxed out. We're all maxed out today. I know. Tell me how that has changed in two years. How that has changed? You said you changed your philosophy in two years about credit cards. And you said back then you'll never pay them off. They'll always be maxed out. two years later, they're maxed out. Yeah, so I used to just treat them like a utility payment, just a monthly payment that I had. And now when I... You're only making your monthly payments right now. I know. I'm not saying that it's good, Caleb. I'm not saying you're saying that, but you're saying you changed in two years?

1:19:37No. Yeah, I started watching your show and I'm like, oh shit, no, yeah, you're right. I need to take care of this. And then you did nothing. Yeah. Okay. I know. I'm glad we went down the story. Sure. You didn't do anything. Gosh, I feel like I'm being mean, but you're just, you're giving me insanity to work with. Like, that was crazy. Yeah. Come on. I don't want to just bully you, but what the f*** was that? It's multiple changes of worldviews, and I need to change again. Or multiple personalities. I can't tell. I mean, I am a Gemini. 2 ,400. So. Golf. $2 ,468.04 owed on this Chevy EV Volt. What's your minimum monthly?

1:20:18So technically, the minimum monthly is$280, but I pay$250.

1:20:27You pay less? Yes. So this car was purchased in conjunction with my ex last April. Okay. And he only accepts 0 % from me and he just pays the payment. Wait, he only accepts 0 % from you? What does that mean? I offered to pay the full payment and he was like, no, you're not going to pay the interest on this. Just pay me$250 a month. And he's just been slamming down. So this is his car? It's in both of our names. Oh, okay. But I actually owe$10 ,750. on it, that amount is how much he's paid off. And then once it's paid off, he's going to transfer it into my name. What in f***ing death. I mean, I didn't buy a brand new car when I needed a new car, Caleb.

1:21:25I went and got a used car and I got a good deal on it. Oh my gosh, she just wants high fives. I swear this entire conversation, you literally just want high fives. Is it because you're a fan of the show? I'm sorry, that's not how I'm going to treat. Like, I'm never going to treat someone like that. I'm not going to treat you bad to treat you bad. But I'm also not just because you're like the show. Don't come on here, CalebHammer.com. If you're looking just for hugs and kisses from me, I'm sorry. No, thank you. What? Have you listened to yourself this conversation? No, I'm... I don't know what to say about that.

1:21:58Sorry. You don't have to answer. Do we have the value of this car? Vin's not found. Well, the last time I looked on KBB, it was$16 ,000. Private sales. When was the last time? Three months ago. Okay, equity position. Okay, what's the interest rate on this? I know you don't pay the interest difference, but. I think it was 10%. And he ended up being the signer on it because the. You said you co-signed, I thought. Yeah, so he's the main person and I'm the co-signer. Okay. Because with my credit, it was going to be 18%. Now you want to sell this house to rapidly pay off your debt. But the thing is, you're locked in at a 3.12 % interest rate.

1:22:41That's incredible. And a$65 ,939 balance with a minimum payment at$622 ,57. Now, that minimum payment is hard to stack in with everything else you have, even though it's low for a house. So I do get actually wanting to get that off your books, even though your friend pays for it, which helps. But what were you going to say? It's just a pain in my rear end. It is. I'm tired of dealing with it. I just had to spend another$6 ,000 last week in plumbing issues. Yes, that is, see, again. So I'm just over it. That is the home ownership thing. Even if I wasn't going to be making$50 ,000 off of it, then I would still want to get rid of it because it was my backup plan when I moved to Seattle.

1:23:23And I've been out on my own three years now successfully. Well, semi-successfully. And I just don't feel like I need it anymore. And it's annoying. It's worth$11 ,222, by the way. Okay. The car. Little equity position, about a thousand bucks. And that is KPP. I'm glad you found it. We found it. Total debt balance of what? Of what even is this? I don't even know what this is. That's a Perkins loan. They're directly from the university instead of through the government. And it was for a study abroad trip. Where'd you go? England. Great. What a world of difference. difference. Yeah, we were going to, we were studying Anglo-Saxon literature, so Oh, that really translates to the job market.

1:24:14Okay, what is a minimum fee payment? On that one, that one's in default. So none right now. I didn't realize that it wasn't a part of the bundles of my other student loans, and by the time I did know about it. Well, it's a private loan. Private loan. Yeah, I didn't understand that it was a private loan. It won't get garnished unless you gave them your information. You could talk to YReFi. They're one of our people. They help renegotiate your private loans once they've gone into default. So I checked them out. I didn't realize it was private. I assume it's from an institution. I would look into it.

1:24:46Take a look. Yeah, it's still - Okay, what do you owe in federal student loans? Without this$2 ,000 one, it's - Well, that's not our federal student loan. $55 ,000-ish. $55 ,349.13. For what? What was your degree? Bachelor's in English Literature. Oh, good death. What are we doing? I mean, my company really appreciates that I have it because I write a lot of our HR-related marketing stuff. And so can GPT. Employee-facing documents. Okay. $259.28 minimum fee payment. Which hurts a lot. And it just went in. Dude, it's probably half of what your standard 10-year payment would be. So enjoy it while you got it.

1:25:27It just went into effect in August. Nothing in that checking account. savings$2.55. Okay, okay. Capital One, auto pay debit$2.30. And that's going in and getting some bullshit. Okay, what are you stopping at the market and getting for$3.74 constantly? That's the cafeteria at my work. It's a monster zero. Oh, my lovely lady. Try this. I just ordered the...

1:26:33Sampler pack. Yes. The free samples? Yeah. Which is for free. Type in code HAMMER. Here, take this one though. It is really good. No more vending machine monster. Make it. I'm sure there's one that tastes like a monster. They have so many different flavors. 25 cents a serving instead of stopping in and getting that bullshit. And also 10 % off of that alone. Once you order the flavors you want, link in the description below, gamersubs.gg. But yes, energy drinks at home. Make them at work. Shakey, shakey, shakey. yeah that's very good this is for really yeah okay yeah because okay monster monster talk about talk about uh clarna so can i explain that taco bell so when i when i first started uh the health journey um i was trying to do intermittent fasting and i swam for an hour after work so i didn't so basically by the time i got home with traffic i was going to be outside of my intermittent window and so I stopped and got Power Bowls at Taco Bell and naked nuggets from Chick-fil-A because they were the healthiest options I could.

1:27:42At the same place? At the same time? No, no. Can't speak for the Power Bowl at Taco Bell. I mean, wouldn't like Chipotle or something be better probably? Chipotle's more expensive. I don't know. Can Taco Bell really be healthy? I don't know. I mean, it's rice and beans and vegetables. Okay, Klarna, Monster Energy Drink, Domino's. I know they don't get a Power Bowl of Domino's. Yeah, no, that was just a crave. That was a crave. Yeah. Okay. Laska in-air flight also sounds like a crave. That was the trip to Kansas City. Winning got some bullshit. Electrify America. Amazon. Affirm. Affirm. Taco Bell.

1:28:12Taco Bell. Steam purchase. Amazon. Hold on. Laundry. Laundry's okay. I'm okay with that. Amazon Prime. Netflix. Coca-Cola vending machine. Charging, charging. Yeah, you got the EV. You can't charge a home? I live in an apartment. They don't have charging? No. Okay, then I wouldn't have gotten an EV. Zelling out money, Gransboro Market, Taco Bell, Amazon. Yeah, Monster Energy Drink, Monster Energy Drink, Monster Energy Drink, 60. Okay, that was BS. Shake Shack, they do not have a Power Bowl. Not a Squirrel, no Power Bowl. No, but they have a no bun hamburger. That is the greasiest patty. Yeah. As a Shake Shack fanatic.

1:28:53It was a team lunch with the finance department. It is the greasiest patty, I will say. Well, they also have a grilled chicken sandwich. You're right. You're right. Yeah, I am. That would have been a better choice. Tap, like a bar. Nothing. Bundt cake. Don't have a Power Bowl there. Crunchyroll. Energy drink. Taco Bell. Electrify America again. Okay, what's Electrify America? Charging my car. Oh. Yeah. Affirm, affirm, affirm. Shaburina? Shaburina. Typically my boyfriend pays for it But The dessert Laundry's okay Bullshit Energy drink Department of Transportation Chick-fil-A Energy drink Energy drink Parking Bar Bar Dairy Queen They don't got a Power Bowl there either Naked Tenders Good to go online Good to go PlayStation Network Oh, good to go is a toll for the bridge to Seattle.

1:29:58WarnerMedia, so that's probably HBO, right? It was, yeah. Steam purchase, McDonald's. Wow, okay, that's an insane amount of bullshit spending in a checking account. And then in this one, that started with$300 or, yeah, it started. I think that's rent. And a withdrawal was rejected because you didn't have enough money. Yeah, that was when the student loan took out the payment. It was rejected twice. Yeah, but you'll see that there was also a payment of three-something. I immediately paid it. Retirement 5 ,900. Okay. Dramatically behind for our age. I'm dramatic. Dude, I know. I am freaking out about it.

1:30:39You should be. But I can't afford to put 23 ,000 in a year. Well, no, because you spend 1 ,000 hours a month on bullshit. You're right. But even 1 ,000 would just be 12 ,000. So I'm like... $12 ,000 retirement? Oh, no. That would definitely suck. Well, it wouldn't catch me up. Okay. It would be something you... My gosh. What is wrong with you? Okay. Minimacy payments, not including the mortgage. And we're not including the mortgage in here anyway because your friend takes care of you, even though you do have expenses that pop up because you're an owner of a home, which, yeah, I would get out of it if I was you as well.

1:31:14$734.33. Okay. Now, utilities, gas, electric, internet, all combined. How much? Yep. Um, no gas. Electric and internet is$160. Okay. Very good. Phone bill? $100. Okay. Gas, vroom, vroom, drive, drive. Um, I spend$160 a month charging. Yeah, and then tolls how much? I am not doing tolls anymore. I'm just driving. Okay. Necessary food,$300. Meal prepping, meal prepping, meal prepping. TV fun, anything else you need. And it's a hundred bucks. Medical health care. Co-pays, anything like that? FSA. Very good. Is there a gym? No, because I wanted to give myself. What about the pool? How much for that?

1:32:08It's free. Good. My cousin works for a hotel. Subscriptions. Let's do 40 bucks. Do you have any pets? No subscriptions, please. I already canceled them all. Okay. Not in there, but okay. Pet insurance? No, he's too old. Okay. How much for pet food? It's$16 every three months. What is it? $16 every three months. What is the creature? He's a Pomeranian mix. He goes, I buy an eight-pound bag every three months. Okay, I'll say six bucks a month. Anything else that needs to be in your budget that I have not taken in account? My car insurance. Oh, yes, please. How much? $350. Okay. and I think that's it you have

1:32:56$1 ,889 left over and yeah we're subsidizing you that's great okay you get rid of the mortgage yeah I mean yeah get rid of the if you can prove if you can prove that you can follow a budget for two months I will allow you to take the money from selling a house and pay off all your debt and then you start contributing get a fully funded emergency fund and then start catching up on retirement because you gotta Yeah. That's pretty much the answer to the question. Okay. That's pretty much it. I'll get you a course career certification if you ever want that, by the way, to improve. Like, let's get you an accounting one.

1:33:25Maybe you can get an accounting, make some more money. So I'll get you that for free. We got some interesting things to talk about in the post-show, but I'm going to get the Hammer Financial Score first. Okay. Spending a budget. Overspend. Zero out of ten. Debt. IRS. Zero out of ten. Emergency fund. Nothing. Right? Nothing. Zero out of ten. What was the retirement? $7 ,000? $8 ,000? Five. Six. Yeah, it was 6 ,000. Dramatically behind. It's about a two out of 10. Real estate, that is okay. Don't like that you don't live in it. It's okay. But it's actually a pretty okay house. Great interest rate, seven out of 10.

1:34:00I would have a primary residence first, but... Oh, and it actually lined up almost exactly correct. So it looks like it did work your tip. Two out of 10. Hammer Financial Score. Get yours at CalebHammer.com. Now click that join button and join us for the post show. There's a lot of things to talk about. She owes, oh, the person that's rented her f***ing house, she owes money to. Okay, we'll talk about that in the post show. Click the join button now. An extra 20 minutes of every single episode in the financial audit post show, including three premium shows posted every single day, Monday through Friday.

1:34:28Join Hammer Elite now. I will see you in the post show. You owe your tenant money. What does that even mean? When she came to Seattle last fall to see me, I told her that I would pay f*** her expenses while she was here. You can't even afford to take care of yourself. I wanted her to see Seattle life. Well, the city of Seattle is paying for flights. 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.