First Time This Has Ever Happened...

26:17Okay. So we continue. Navy Federal Card.

26:27You owed$4 ,967. You made$122 minimum monthly payment, which is the minimum monthly payment, which is now$123.

26:37123.39. You purchased$85 of things. Why? Why? And then new interest, 73. Now you're over the balance. You're over the credit limit. You're over the credit limit. You're over the credit limit. So if you're over the credit... I'm just saying the same thing over and over. That's when I know I'm just dying. The overall credit, none. You're$3.94 over.

27:04it looked like you were going to say something whenever I see that card go over the limit I pay it down but that doesn't make sense why don't we just pay it down why don't we go over the credit limit I think it goes over because of interest Like I buy it and then it accrues interest and then at the end of the statement, it's over the limit.

27:39Buddy, you're killing me. I'm like actually like shaking. I haven't felt this way in a long time. I'm so anxious for your situation. And it's Uber Eats and it's Uber Eats and it's Uber Eats. It's three Uber f***ing Eats. I'm disgusted. $700 in interest loss this year so far and some fees as well. It's Uber Eats. So what?

28:06Oh, you're lucky that the episode that, you know, we're uploading the day of is the day that we're announcing the budgeting course and you're going to need it, man. You're going to need it. And I'm giving it to you for free. And I assigned to you as a prescription. You are taking it, man. You're going through the hours. There is no, it, it is literally the best thing you can do to change your life, man. I'd love to. You, you need to, you need to. people in your situation you need this we designed it specifically for you yeah that's the reason i came because i know it's it's like with the things i want to do with the cars or even like buying the corvette if i wasn't in debt i could buy that car in four or five months of saving if that yeah man and and now it's just i'm paying it for forever almost it feels like it's at 18 yeah it's just I'm losing hundreds every month to interest.

29:01It sucks. You know what's unacceptable to someone making$105 ,000 a year? Overdrafts. You didn't overdraft this month, but you've overdraft this year so far.

29:14So I share rent, and the rent payment goes, and sometimes my roommate tells me he's going to get the money, and the money doesn't come. So it gets overdrafted. How often does that happen? And then... How often does that happen? Way too often. Okay, so you know what happens. So you have a buffer in your checking account like an adult. Sucks that he does that. Yep. And you, you know, maybe he's not a roommate for the future. Okay. But if you know what happens after a couple times, it's like, okay, we're going to have the buffer because we're not going to pay a$30 overdraft. That's what I started to do.

29:47Did it? Because you only have$1 ,000 in here. That's enough to cover his share of rent. And your share? not well there you go both but I get another paycheck before rent hits so I always have no other automatic payments come out after that um I have a car payment but I always make sure I have enough to cover his share rent and my share and what else I need to cover um and then he he pays me when he pays me and then what do you do through here you go to the vending machine and you go to the vending machine. You're obsessed with the vending machine. Cash happening out of money. Vending machine. Cash happening out of money.

30:29What's 365 pay? It's one of the... They have like a little food market at work. Food market. Food market. Bobatopia. Yeah, Bobatopia. And I'm a slut for Boba. Not when we have that, my dude. Not when we have four car debts, three of which the cars are not even operable. Natural Bridge Caverns, great. Red Rooster Food. Natural Bridge Caverns. Cash-epping out money. Zell-ing out money. Rooster Food. Vending Machine, Vending Machine. Lens Express. The Food Court. Ubering. Vending Machine, Vending Machine, Vending Machine. But if we just... Oh, you have such an opportunity to be in such a good position.

31:24It makes me so sad to see it being thrown away right now. A place to shoot. It's expensive. It's an expensive place to shoot. Ammo costs money. Yeah. Yeah. Why are you just throwing away money and ammo, though, when we have dead? It doesn't make sense. Logic is just not there, man. Vending machine. Grubhub. Wingstop Wingstop Rooster Food Whataburger Uber Eats Vending Machine Amazon Affirm Great Another thing in the mix Oh that's not Debt I use Affirm's High Yield Savings It gives you like Four points So you put a buck in there Some percent Or is that That was to open the account Okay Four point what Four point I can I think it's like Four point three five You still find dudes Four point six Okay Fending machine, diner, sushi, fending machine, fending machine, fending machine.

32:27You don't need to be spending that money. You're killing me. You're killing yourself. You're destroying your future. Any balance in this other checking account? Seven bucks. Yeah, that's not the one I use. I only use that one to send money to it to pay the Navy Federal loans. Everything else goes through my main checking. Everything else except for this Apple bill and the Chipotle and taking money out of the ATM. Who knows where that went? ATM fees. And, of course, tolls of which you do not need to take in Texas. I live in Texas. I know you don't need to take them. And Boba Tea and Amazon. The toll road's a story, actually.

33:03So I sold a car and left the license plates on. Oh, no. The car never got re-registered. Ever. And so I get a toll letter and legally I'm still responsible for it. And I tried submitting a title transfer notice and the car won't show up in the system for whatever reason. And they also went and ran a red light with it too. But, and they got caught in a red light camera. You don't have to pay those. they can't come after you for them they can't send them to collections they don't affect your insurance in San Antonio they're legal in Texas but the contracts they still have contracts with the companies up until I think like 2025, 2028 they can't legally pursue them though they just hope that people pay that's it oh not even that dude then Chick-fil-A and pancakes I thought that was it.

34:13And then Apple bill, Amazon, the vending machine, vending machine, Chipotle, pizza, Academy Sports, Uber, a place to shoot again,$287. You can't afford to live and you're doing$287, a place to shoot. Then another$130, a place to shoot. Vending machine, vending machine, Apple bill. It's a Mexican place, Apple bill, Amazon, dude. You lied to me. I put money there so I can Pay off my navy federal credit First of all your navy credit Thing is over the limit And number two in there is this You spending You lying don't me What's the point of here if you're gonna bull me Why dude I'm sorry just why I feel like I always gotta do something Gotta go be busy I'm like being home Why don't you go on walks Go on like runs or something then.

35:13That'd probably be a good idea. Do you have a dog? I do. I have two. Take them on walks. That's what I do. To a dog park. That's doing something. That's nice. I take them to the dog park next to the house. Cool. There's a. Do that twice as much. It's quite a nice one. In this half as much. Okay. Fidelity,$3 ,000. Not super exciting. It looks like it's within. That one's for an HSA. Oh, okay. Cool. That's lovely. Yep. And then the other one is the 401k. $4 ,000. It's okay. I'm glad you're getting started. Yeah. You're going to hate this. There is a 401k loan on that, though. The reason I took that loan out was because I anticipated to move across the country because I had a company that reached out to me and wanted me to go work in Virginia.

36:09and I need to get a trailer hitch and pay for U-Haul for my car. You make too much money. What's the interest rate on your 401k loan and how much did you take out? 9 % and two grand. 9%. 9%. 9%. So the S &P 500 has beat it by 1 % this year if that's what you're even investing in.

36:34The 401k loan At 22 Is disgusting It's disgusting I feel the vomit Writing your projectile Onto you Because of how disgusting this is 9 % Your future man You're destroying it You're destroying it Oh I'm scared Okay I don't want you to be a and we constructed these rules to not be a f*** up. You're breaking in, breaking rule number one immediately. Does that fit in the budget? Absolutely not. Rule number two, you need an emergency fund. Do you have it? I didn't see it. Do you have any money in savings? Keep$1 ,000 cash. Okay, you do not have an emergency fund. Great. Don't hold the credit card balance.

37:20You know you broke that, so you broke one, two, and three. Stop buying cars you can't afford. No s***. You're getting them 18%. You can't afford that. My goodness, you broke immediately the first four rules. Live someplace you can actually afford. What's your portion of rent? $7.50. That's incredible. That's incredible. You're doing great with work, too, so that's great. School, we don't need to worry about that because you're doing great with work. You're not self-employed. Fantastic. Subscriptions, I didn't see a bunch, but you should cancel them if you have them. Okay. Want to know how to not die in the Walmart floor?

37:52This is usually for, like, crypto and, like, day trading and all that crap, but you're doing a 401k loan. may as well be broke. So you're breaking five rules of do not be a f***. I don't want you to be a f***. You're heading down the path. If you want your rules for not being a f*** up, you can sign up in the description below. It's free. It's fun. I made it for fun. I don't like that you're breaking the rules. It's actually very upsetting. Debt payments are only 14 % of your spending. You're like, the minimum monthly payments are too big and I can't do things. It's 14 % of your spending. so transportation total though that is another 16 % and that does go into debt but your bullsh** eating out to eat 7.1 % where your necessary grocery shopping is only 4.2 % so great unknown shopping Amazon 5.4 % miscellaneous it's the vending machines it's the taquitos it's anything and everything else that you just don't need 8.3 % that could be going towards that so So, so far, that's 8, 7, 5.

38:57That could be going towards debt. That is not necessary. 8.9 % other large purchases. That's ATM withdrawal. Who knows where that went? And Central Market, which is actually groceries. I don't know why we put that there. Central Market. It's an expensive way to do groceries. It's basically the HEV version of Whole Foods. Just making some steaks for a date. Cool. Get some HEV steaks. They're not as good. They're not as good. It'll be okay. Central Martina has better cuts. I don't know if she'll know the difference. She does. Is that the one that broke up with you? It was mutual, but gave her some...

39:35But it's that one. Yeah. Gave her some HEB stakes and she noticed a difference. No offense to this. Or no offense to you. Looks like it didn't make a difference. That was mean. I'm sorry, but... No, you're not wrong. I mean... Call it how you see it. that's the only way I live life so we have 1, 2, 3, 4, 5, 6, 7, 8 of the most disgusting debts I've ever seen right yeah you're gonna take that I'm sending it to you I'm sending it to you and you're gonna take that course dude because you need to change your life now but I'm gonna help you put together a rudimentary budget as we do on this show but is there even a point I mean that's honestly my question I ask people that sometimes sometimes so i'm actually curious is there even a point of making you a budget just the way you've lived man it's just like we go get another car we got to go do this because i got to go do something this is like if i make you a budget man you've made a budget before you've never followed it that's one of the reasons why we made the thing so you can actually we teach people how to actually stick to it and follow it but a lot of it is with the eating in terms of the budget yeah um and going to the range that's not in the budget those are the two categories i overspend but the past year i've paid off a pretty significant amount of debt how much you weren't putting anything extra on this i didn't see it not we're going to the boom booms instead yeah i can i can show you i've made 500 payment on that 1500 loan on the gti um last month it was like right right and that's why we You put it down to$1 ,000.

41:13Right. So, okay, what have you paid off? Last month, I also paid off a$900 balance on a credit card. I don't know if it was last month or the month before that, but I paid off like another$800. I had like two cards with credit one that totaled like$1 ,300 together and then the spy card, that was$900. So, you've had even more debt. My gosh. I paid all of those off. You've put yourself into a situation. I can be happy about that. Yeah. We can be happy about that. not to just go negative, but I will say with the income you're doing and where like 30, 40 % of your money was going and the choices you're making.

41:50The world moves fast. Your work day, even faster. Pitching products, drafting reports, analyzing data. Microsoft 365 Copilot is your AI assistant for work built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use. Helping you quickly write, analyze, create, and summarize so you can cut through clutter and clear a path to your best work learn more at microsoft.com slash m365 copilot with the income you have buddy you could have tripled what you did yeah tripled you're extending your situation you're borrowing against your 401k you're preventing yourself from living life yeah your portion of rent 750 and then car insurance i pay 300.

42:39The insurance bill is like 5. Or I pay 250. The insurance bill is 550. My roommate and I share insurance. For car insurance? Yeah. Why? He drives your cars? No, it saves us both money. You're on them together? Yeah. He has a car on it. The Corvette isn't insured right now because it's just sitting in my garage.

43:04Audi's insured. And then he has a car on the insurance. so we just pay for that. Rentals insurance? Yeah, 16-something a month. It was lemonade. It should be on one of the bank's statements. Your portion of utilities and internet? The utilities is included in rent. Wow. San Antonio, cheap? Well, it's three of us in a house, and it's a pretty big house, but it's not too bad. Internet? 55 a month. Gas? 140 usually between 140 200 is what I spend any ongoing medical things to pay for prescriptions anything we should put in the budget I've been trying to take steps in the right direction slowly been doing that no I have a home gym so I work out at home I saw a plan of fitness in that might be something you need to cancel I need to go cancel that I just wasn't going to call it out because I'm like Jim I'm happy to put in the budget but yeah no I just need to go cancel that one groceries 300 toilet paper anything else you need to survive essentially 100

44:26phone bill

44:32just 122 Anything else you have to take care of on a monthly basis? Do you mind if I pull up my financial? Obviously, I have to add up your debts, but yeah, go ahead. Let me double check real quick. See, card insurance, phone bill. Phone bill is 127.

44:57I have a subscription to... You said to cancel this. Okay. No. You can put your subscription in your total paper fund if you have anything left over. That's essentially what I allow. Then debt, no surprise, and it's all going to stupid cars,$1 ,584.

45:21Killing yourself, man. Yeah. I've been trying to take steps in the right direction. It's just slowly breaking bad habits that I've had since I was 18 that just snowballed. I'd sell what I can, obviously, when it comes to the car stuff. I'd do all that and try to do what you can. But just because they're broken and there's a lot of stuff, let's just put it in the situation and let's just go from there. But that would speed up the process. Yeah, absolutely. You do not need this stuff.

45:50$3 ,322 is what you need to survive.

45:57we had income coming in at 7 ,644. Yep. Cool. Sounds about right. And this is why, again, you follow my budget. Use the, this is what I want you to do though. I want you to, in the template that we have that we're going to give you in the budgeting course, I want you to use that actually use that on a monthly basis, man, hold yourself accountable and it's going to show you things. and you rate your priorities on the items that you're spending in your budget so you know what you can cut back on things that aren't giving you pleasure. Yeah. Not pleasure, but like, you know, actual like happiness.

46:32Yeah. It's like a happiness skill. It's a really good way to budget. I want you to do that. I want you to follow it. And if you put in these categories like the way I said, man, I mean, dude.

46:43Extra$4 ,322 a month. There's no, no, no reason why you should have this debt to begin with. and there's no reason why it shouldn't be paid off. Yeah. It's disgusting. First month, put half of it towards that$1 ,000 that you already put aside. Let's just call it the end of this month. Okay, cool. You have a one-month emergency fund, end of this month. Starting fresh, next month, Volkswagen, as you said, paid off. And then pay off a 401k loan and put$1 ,000 to the personal loan. Okay. Okay. Month number three. Step right up. Paying off the rest of the personal loan

47:34and putting$3 ,000 towards WRX. Month number four. Finish WRX. Put$3 ,000 towards Jared. next month put 2000 uh um are we on month number six i think it's five i do have a question i am saving for a move um how much is the move gonna be and why are you moving i have a job offer how much are you gonna make uh same as i'm making now just half the days where are you moving to Virginia. Okay. Yep. Cost of living is going to be a little bit higher. Yep. But I'm just going to run a room in somebody's house. How much is the move? I'm thinking about just taking a 6x12 U-Haul and the car. So really all I'll have to pay for is the new place because the company is going to reimburse up to$7 ,000.

48:36I can't happen under$7 ,000. I just need to have the money up front. You've got to have the money. Okay. Cool. So add two months for that. Add two months at the beginning. So we're heading into five. So we're heading into month number seven now. So, yep, do that first. And then I should have a pretty good tax return this year as well. Okay. I'm getting a$4 ,000 credit for buying the Audi because it qualifies for used clean energy vehicles. It's electric? It's a plug-in hybrid. Interesting. So I can get 16 miles of range. Well, obviously, you put that towards the Interlex salad. But we're headed into month number seven right now.

49:15Pay off the rest of Jared with$2 ,000. And then$2 ,000 put towards Navy Federal. Then the next month, pay off Navy Federal with$3 ,000. Put$1 ,000 towards the 2008 Corvette. That time that's going to be around, let's just call it. We're headed into month number nine. Say that's worth about$12 ,000. And you have about$5 ,000 left over on a monthly basis now. It's going to take 2.4 months to pay off that. so let's just round up, say we're headed into month number 11, the odd is there, the interest is probably like 20 ,000 hours left,

49:53probably about 1 ,000, 20 ,000, divide that by about 5 ,400, okay, and then that's about four months,

50:10so let's just say conservative conservative a year and a quarter you should be able to pay it off year and a quarter and then what i need you to do from there your rent's going to be more so this is considered the 3 ,322 which you need to survive anyway because your cost of living is going to go up even though debt payments are going to go down okay times that by six we need to get let's call $20 ,000 saved up for a six month emergency fund. $5 ,000 at that time$5 ,500 it'll take an extra three and a half months to do. So again let's just be conservative. Let's call it a year and a half. There is no reason why if you actually grow up about this and discipline yourself a year and a half man and your life has changed completely.

51:00And you're 23, 24. It's insane. 23, 24. And you get to count. 23, 24. And let's just use the average stock market return. Going to 65. 64. Let's make it easy. 64. So 40 years. Average stock market return from the history of the United States, 8%. You already have$4 ,000 in the stock market. It'll probably be like$6 ,000 by that time just with the contributions you're doing, whatever. Okay. According to the survey I ran, 33 % of you are not investing. So I don't know if you just want me to yell at you or if you're genuinely unsure of how to get started. Either way, you need to know about the brokerage app that I personally use for my single stock picks.

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52:37They have things like how to read an earnings report and a lot of other lessons that are designed to help you learn the valuable lessons that most go to college for. And to help you get started, Moo Moo's offering my audience a welcome bonus of 15 free stocks when you make your first deposit with the link below. I did many months of testing of this app to see if it's something I actually wanted to recommend to you all. And I can honestly say that I love their analysis, their education, and I use them for my single stock pick. So check it out. It's pretty cool. So 20%, you're doing 20 % on a monthly basis.

53:11You might max out your 401k. I could. with the new job, they're going to let me work overtime. And so I should be able to somewhere between 130 to 160 ,000 a year. Let's just say you're putting in 1 ,900 on a monthly basis, which is the minimum you should do. You're retiring at$6.7 million. Yep. $6.7 million or after inflation. I mean, that'll be after inflation about like$3.3 million in today's money. That's incredible. $3.3 million following 3 % rule. My goal is to retire by 45. And that's part of why I wanted to come here. Okay. Well, that would be$100 ,000 a year for the rest of your life.

53:54But 45. Okay. Well, you're talking... Okay. So you're talking a little more fire situation. Yeah. With the job I'm doing and how young I am in it and how... But you actually have to sacrifice and pay off your debt first. Yeah. And get a fully funded emergency fund. Okay. So what... What... How much do you want to make a year to survive? What do you need to make a year survive in your mind? To retire? Yeah. A year. Pulling from your investments. About 150. 150. I can't believe we're even having this conversation because you're not even close to being in the conversation of fire, but I'm going to humor it.

54:33Okay, so you need$5 million. And this is regardless of what Dave Ramsey says, by the way. because according to Dave, you could have 1.5 million. No, you could have about 2 million bucks and withdraw 8 % a year because you'd be getting 12 % in your mutual funds, which apparently he doesn't consider the actual management fees on that. And then he considers a little bit of inflation. But either way, the statistics that I have using just a basic, very basic thing, If you retire for only 20 years, his plan is going to only succeed about 60 % of the time. It's going to fail 40 % of the simulations based on historic returns in the stock market.

55:17But if you retire for 30 years and you're going to be retired for more than 30 years, his 8 % withdrawal rate succeeds only 32 % of the time. 30 % of the time. Now, a four - Sounds like a car loan I'd take. What? Sounds like a car loan I'd take. Okay. Yeah. So a 4 % used to be the rule that succeeds like 95 % of the time. People just want to be, you know, obviously safer and just want to hit that 100%. 100 % in order to hit that 100 % success rate, simulating all historic returns in the United States, you've got to do 3%. So 3%, you need to get to, what did we say? 5 million bucks. So 5 million bucks by when?

56:0045? Yeah. Why am I even entertaining this? Because right now it's just so scary. Whatever. Okay. Let's say you're done by 24 because you actually follow what I say. So you have 21 years left. You need to get 4.5. Or 5. You need to get to 5. 7 ,000. Or, what was that? 7 ,750 is what you need to contribute on a monthly basis, which is more than you make currently. So I don't know how you're doing it unless you're working more jobs. I'm planning on picking up a second job. My buddy is doing solar sales, which is something I can do on my off days. But it's all taking hot leads through calls. Yeah.

56:44No, I would. He's been doing pretty well with it. How many hours a week are you going to work in your new job? It's not. You make your own schedule. How many hours a week are you going to work? Starting, I'm probably going to do 20 to 30. And depending on how well it does. What is the job? It's basically sit, take hot calls, hot leads from people who are inquiring. Is it commission-based? Yeah. No, no, no, no. No, in your job you're moving for. How many hours a week are you working? About 40 hours, but I work three or four days, 12-hour shifts. Cool. Why don't you find a similar job that is less paying even and just go do that for the other.

57:25If you're doing fire. I can just pick up shifts. Usually. Yeah. Then pick up shifts. Work as many hours. Okay. Because we're talking about fire. Normally I say, okay, get out of that half of a fully funded emergency fund and live 50, 30, 20. 50 % on needs, 30 % on wants, actually living 20 % on investing so you can retire. But you're trying to fire. If you're trying to fire, man, you're going to have to continue the sacrifice for 21 years. You're essentially not going to – people fire at like a million five, two million. You're trying to fire at five million in 21 years. So you're going to have to work your ass off and you're honestly not going to really live the next 21 years, which is, it's hard, man.

58:04That's really difficult. But if that's what you want to do, this is what you have to do. Yeah. With my current job, I will most likely be a manager before 30. And in the sector, I'm going to be working in management for these places. Okay, we'll don't bet on that. Can make usually$200 to$250 a year. I hope so. I root for it. you're betting on that, but I don't know. You're 22. Yeah. So you don't, you've been working since 17. You've been working since 17. What I love the golden, like vision, optimistic, bright eyed. Yay. Things never work out the way you're going to think they're going to work out.

58:51There's always going to be bumps in the road. Absolutely. So I wouldn't bank on that. I hope you get it. That's great. And I encourage you to shoot for that and make that your goal and work, do what's necessary to do that. Just know that the next 20, if you want to hit your actual goal, it's like your needs need to be very minimal. You're not going to really spend much, if any on fun and everything's going to go into investing. Cause again, you have to do 105 % of your current income to meet that goal for 21 years. That's hard. Either way, I'm glad that was, it was a fun part of the conversation and I'm glad, we can at least get there.

59:27Now, maybe the market will outperform. That could happen. Maybe. The average S &P 500 return over the past decade has been like 12%. But the average stock market return in the history of the United States has been like 8%. 80%. That's what I went off to be. A little more conservative. Either way, none of this is even a part of the conversation because you head down the path you're currently going down and you're I'm going to work until I die. Yeah, and you're working until you die, and what if anything happens, and you're just settled with the debt, then you're going through bankruptcy. At least you don't have student loans, which wouldn't get forgiven.

1:00:07But only having$1 ,000, I don't know. It's a scary situation. You keep blowing up your cars. You're just being immature and irresponsible. And if a 22-year-old, it's like, okay, kind of not excusable, but at least understandable. If you have the goals you said you have, and you want to go and get them, It's time to grow the f*** up. Mature. Be an adult. Be a big boy. And take control of your financial situation for the first time in your life, man. This is it. This is your moment to change. Started making a little progress. You should have been making much more progress. Those spending statements were ridiculous and they pissed me off.

1:00:44Barring against your 401k? Unacceptable. Buying a car, taking on an 18 % debt, blowing it up, and then doing it again three more times? No. fix it fix it any questions any final thoughts

1:01:04I want to get the bet running I want to put a new engine in it which adds another two or three months but what the f*** how is that even possibly on the priority list of what we just all right no i'm i'm sorry i'm sorry i'm done i'm done that's the first i go through this and we get through the how to fire and all this stuff and the first thing you give about is your corvette i'm done what i'm done let's let's finish it we're done we're done that's let's i had to cut that interview off that that pisses me off that pisses me off if we go if i go through all that time and energy and work and caring about someone and wanting them to succeed they immediately come No, but this is what I want at the end.

1:01:49A want, an unnecessary want. Nah, that legitimately upset me. Hammer financial score, spending and budget, obviously 0 out of 10. Debt, 401k loan, obviously 0 out of 10. Emergency fund, there's$1 ,000, that's a 1 out of 10. Retirement, I wanted to give it a higher score for his age, but the 401k loan brings it to a 1 out of 10. Real estate, 0 out of 10. It's going to be a hammer financial score, 0 out of 10. make sure to check out all the resources linked in the description below they are what i use or would use in specific situations thanks to all of our patreon producers for making this episode possible if you want to participate in an episode of financial audit and you're able to make it to austin texas please fill out an application in the survey linked in the description below you can also send a link to your friends or family who you think might be good to be on the show if you have any questions you can email casting at caleb hammer.com