I F*cking Hate Them | Financial Audit

23:41It's so new that I don't know exactly what it's going to be, but I estimate because the insurance costs more for my paycheck that it'll be about the same as what I made before. So probably like$1 ,150 to$1 ,200 a paycheck. Okay. So$2 ,400 per paycheck. Okay. and you can justify spending a month and a half worth of income on a one wheel? It's a hobby. How does that equal it being okay if it's a month and a half worth of income? Well, I also dog sit on the side. So like I get extra income, but it's not consistent. So I don't count it. Well, can we count it? I try not to. Well, what is like the monthly average for dog sitting?

24:22It varies because like I don't, it really varies. I don't know. Okay It varies It could be like $1 ,200 It could be$200 And Matt What do you do For a living? I work at a botanical garden I dig holes He's a plant guy Okay What do you make Digging holes? $1 ,150 Bi-weekly Oh Oh shite Okay So$2 ,300 Let's talk about Student loans I know it's something we all avoid talking about, but if your private stoning loans are crushing you, Y-Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number.

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27:05So the household is$4 ,700. I mean, how we doing on$4 ,700 when we're spending an entire household's month of income on OneWheels, honestly. I think we're doing great. Matt It's been rocky What is the difference? Why are we very different sides of the coin When it comes to how the household is doing? I guess I'm just more optimistic And I just think It could be worse It could be worse Why does that all of a sudden make something good though? That doesn't make any sense It makes it better No, does it? I will say this I use it Like I say it every time If you inject Once a day Versus three times a day that doesn't make, even though it's better, good.

27:50That does not work. But it's still better. If the United States gets hit with one nuclear bomb instead of four, it doesn't make it good. But it makes it better. It does make it better, but you make it sound like it's good. Good for me. I think we're doing great. The median household income is$70 ,000 in Springdale, Arkansas.

28:14You guys aren't there. You're probably, I mean, Nat, you're like 55.

28:22Yeah, we need to make some changes. But I'm just confused on what's so different. She's optimistic. What would you say? Okay, fine. How would you describe him? Conservative. He wants to like save, save, save, save. And this is bad. No, I wouldn't say it's bad. It's just like we can't go do fun things or like. Not always. No, you can't spend a month and a half worth of income. I'm sorry, you can't. No one can do that. If I went and spent a month and a half worth of income, that would be insane. I wanted to enjoy that hobby with him. He already had two. You absolute beast. And one of them sucked.

28:57It's like on its last leg. You weren't riding that one. You were riding the good one. And then that one started having problems. Oh, for f***ing sake. It still runs fine. Huh? It still runs fine. He says. Well, I'm kind of trusting him right now because you seem like you twist things to make... What you do acceptable. No. Yeah. No, I don't. She has a very, uh, I'm going to make it work mentality. Uh-huh. But yet nothing has ever worked. I mean, you thought you had$30 ,000 of debt as a household. Because I can make it work. I don't think it's that bad. You never do. Okay, we know what comes in.

29:30What was spent last month? Um.

29:38Did I do dog sitting last month? That's such a great question. A hundred bucks Just about A hundred bucks a dog sitting Is what I got Oh no That's just I usually get the rest Through like Venmo Uh huh It was a hundred dollars Interesting Interesting What was spent last month? Uh probably like Let's see I don't know Two thousand Twenty five hundred She's Okay You're literally gonna marry A f***ed person You can't say that Yes, I can. You can't. The boot fits. That's literally every driver in this state then. We don't listen to people that look like you anymore. I don't know if you know this. You've lost all the power.

30:23What does that even mean? Is it a woman thing? No, SJW thing. So you're sexist. I said SJW. Is that women? Well, I mean, I don't know. I don't know what SJW is. but you like to talk over women all the time. I talk over everybody, including myself. You can't talk over yourself. Oh, yes, I do. And that's why I flub so many words. No, that's just a stutter. That's just because you don't know how to speak. It's not a stutter. I talk faster than I think. I don't know what I'm saying half the time. Well, then maybe you should stop and think for a minute. Girl, you're... So... You can't say that. I can.

31:01I just did. What are you... Back. And again, we don't listen to people like you anymore. We really don't. You guys have no power. You guys were like 0.5 % of the population online. I don't even know what Ashley Mew is. You're a performative virtue of signaling weirdo. We already know that. It's okay. Is that just because of the piercing and the color? And the color and the weird earrings that you made in a shed. No, actually, I purchased them from a museum. Well, that's even worse because they look like they were made in a shed. That is as clear as day. Support small businesses. Don't be rude.

31:35Small businesses is someone in an addict. That's set up at a farmer's market. Yeah, exactly. Some poor small businesses. Okay. Yeah. It's a lemonade stand version of Eros. Okay. So either way, these people, you're connecting yourself to one of them? Like I said, she's been doing a lot better. What? A lot better. Okay. You guys spent$5 ,000 when you brought in about$4 ,500. So that's a lot better. I don't want to know where we came from. A lot better. She spent a month and a half of income on a one wheel. That's all. She's doing a lot better. She thinks you guys have 30. A month and a half of income.

32:11No, it wasn't. Of your income, you dumb creature. Listen. I thought we were joining incomes. Depending. You guys aren't even married, but potentially. Yeah, but you're talking about your income. Well, you wouldn't have bought it without him. Okay, fine. You spent basically a month's worth of household income. That is still insane, disgusting, stupid in every way whatsoever. It was worth it. Was it? Yes. I looked at him and she's doing the classic the person we hate most in this entire world thing well she's happy on it but it is definitely a stark reminder that we could have used that money do you not like going on one wheel rides with me oh I love it you had to you absolute beast he had to and one sucks so is it a combined income or not is it is it a combined income or not is it is it a combined household or not yeah with bills Is it?

33:03It is. Then it's the combined one wheels too. Then he had two, one's yours. There you go. You. At four months. Oh my gosh. You can't just act like at four months you're going to marry someone. You're acting like riding someone's one wheel is a marriage. If I touch your one wheel after this, did I fucking like diddle you? True. True. Like what is happening? Like I'm, how did the conversations go? in this household around finances. Please tell me in extensive detail. So... I want, I want, I want. No, no, no, no, no. That's bullshit. Sometimes does it anyway. That is... All right, well. Hmm. What about Sevenbrew?

33:47Hmm? Well, well, when I have the money in my account to... If it's joint income, do we have the money in our account? I say yes, but then you're like, why did we do that? That's not how we set up our finances, though. we had a joint account for joint bills, but then separate accounts for personal income. So then it's like, is it joint income or not joint income? It's joint. For the bills. You just said, that's different. And the things that we both have to pay. That sounds different to me. All right, are you going to open up a bank account with someone like just a roommate? No. This is how the conversations go around finances.

34:30this again. So she says, I want, I want, I want. You say, no, no, no. And then what? Tends to happen anyway. So you're domineering and you get what you want no matter what. And yeah, you probably pretend like you're a victim. So in the end. Okay. I have never had victim mentality. First and foremost, you have, I'm sure I've never had victim mentality. I am literally like, I say I'm like a crack addict who doesn't do crack because I can always make things work. You look like you've done. No, I don't. I have all my teeth. I literally like, I'm not picking scabs. Close your mouth. You look like you could be toothless.

35:10I used to have an underbite. Oh, that's why. Yeah. That doesn't make me feel sympathy for saying that. I'm sorry. Anyway, I don't need sympathy. I'm not a victim. You said it like you wanted me to feel bad. That's not how the conversations go. Besides the point. How do the conversations go? It's always, we're going to, I'm going to make it work. Who says that? She says it. I always make it work. Well, no. You thought you had$30 ,000. You spent more than you made. No. We get hit with our bills naturally every month. And then it's like. We have X amount of money, but maybe it's a little under. And she's like, I'm going to make it work.

35:43Not we're going to make it work. I'm going to make it work. I do make it work. You spent$500 more than you guys brought in last month. Well, I probably brought in$500 from somewhere else in cash. No. No, I'm pretty sure I did. Well, I'm pretty sure I did. No. If I go back and look, I made a lot of money. No. Also, she just doesn't live in reality. How can we work with someone who doesn't live in reality? I do live in reality. But you try to make it seem like reality is much more harsh than it is. It's not. What do you mean? I just have your numbers on paper done by an accountant. A woman accountant, by the way, so it can't even be sexist.

36:19So I don't want to hear that. Yeah, it's just the way you talk over people, specifically women. And you always talk down on women. Don't even play with me. Pause for a second. I've been talking over you more than him, but you've been the obnoxious cunt and he hasn't been. So if he was being the - I hope that makes you feel better. I feel like you project your aggression onto your guests. Like, is there something going on? Are you okay? Yeah, I have an annoying b**** in front of me. It's very obnoxious. So yes, I'm dealing with it. If he was the annoying one, I would be talking in front of him.

36:50I roast guys all the time. Again, she has the victim mentality. I can already hear. You got Reddit written all over you. I don't even use Reddit. That's what they all say. It's written all over you. I don't use Reddit. You were born into it, like the Matrix. Um, no. I've never used Reddit. I've never posted on Reddit. Nothing. It's an example of just how you act. You're that brained. I think my brain is beautiful. We upload more women than men because we get more women applicants by far. Don't get me wrong. So yes, you probably see more examples there, but every time a guy's on the show, which are typically Wednesdays, I obliterate them the same exact way the reason you probably have more women is because women are not afraid of you so they come on here why would I want someone afraid what are you talking about you're using that because you yell at people and maybe guys are like oh I'm an alpha I'm not gonna go on there and have some fucking nerd talk shit to me maybe stop being a pussy and apply to come on the show I don't know yeah apply and come on the show yeah kailiharn.com slash apply so I don't know I don't know what point you're trying to get to you're the annoying one in this conversation that is why I am ripping you Maybe we just don't match.

37:55No, as you should. Match, huh? As you should. And he hasn't been annoying. Okay. Whatever. Well, he probably needs someone to stand up to you for the first time because he never has because he's probably a little bit of a pussy. I am getting little cuck vibes. Go f*** yourself. Whoa, okay. Respectfully. There's some balls. If there's something meant to be said, it'll be said. What? But I'm not going to talk over someone who needs to talk over other people. But the thing is, big guy, you say no, she does it anyway. Anyway, so you're a pushover. All right. Sometimes. Ah, well, I'm there. I feel like I do communicate, though.

38:30I feel like, okay. Okay, you communicate by saying you're doing something, then you do it, regardless of what he thinks. I tell him, and he's like, do we have the money for it? And I'm like, yeah, I think we have the money for it. I think we'll be fine. It is a deal. You cuck him, and you actually smell like a Halloween store somehow. It's Dubai Chocolate Body Butter. It smells like spirit Halloween in here. So usually what happens is whenever I tell her no, she goes to somewhere else. So instead of cucking me, she's cucking. Wait, when Dad says no, she goes to ask Mom? Who is someone else? Who is someone else?

39:05I don't. Who are you going and asking? What are you referring to? What are you referring to? Well, for example, we were out and about and the impulse gratification hit her and she just wanted to get an HTO drink so bad. Huh? Her mom was in the neighborhood. HTO? It's some tea place. Oh, T. You have one here. I'm pretty sure. Oh, that's the change. It's not that good. I like it sometimes. HTO? When I'm not filling 7 Brew, I'll get an HTO. I thought you said he was the 7 Brew guy. He is, but if he goes and gets it. It sounds like you are too, so you can do it together. So shut the fuck up. Yeah, but like.

39:38Nah. He's saying like I go and ask other people, but HTO is literally like$3. Okay, so yeah, what was this ask other people thing? She calls her mom, who is so conveniently in the neighborhood, and she's like. She was at the time. Can I have some money for HTO? You're asking your mother for HTO money at 26. Yes. You're a joke. And you want to sit here and say that you guys are doing well and you're ready to move to the next step? You're a joke. You're asking your mother for money to get tea. What the fuck is wrong with you? Honestly, I don't think a lot. I think I'm very emotionally aware. I think we're not that bad off.

40:16and I don't think asking to borrow money here and there when you pay it back is like a big problem pay it back from your family to get bullshit though is that even for like a life necessity and you guys make okay money that was a very rare occasion I usually ask her for help whenever we need groceries well that's why he brought up so clearly he finds it very important mmhmm that's because he doesn't like asking for help you shouldn't need to ask for help you guys make okay money in a cheap area no you're not a medium income yet for the area but you guys are also like 25 And if we're going to be independent as a couple with, like, potentially a kid and pets.

40:51A kid? Eventually. Eventually. I can't even be a part of the conversation right now, guys. Eventually. Like, I'm saying when I'm, like, 28 or 29. Why her? I'm pretty f***ing amazing, first and foremost. So, she is pretty amazing. However, everything except the finances. It's literally everything. Or how she communicates. How can you guys have serious conversations? You communicate. You don't allow communication back. She talks herself. False, false, false. He shuts down. Well, she talks herself into a circle until she admits what's wrong. And then the instant gratification comes back and replants the seed and the cycle restarts.

41:36Always thinking about planting seeds, aren't you? Everything's a plant. Your plan's leaking all over the carpet. Yeah, that was an issue this morning. They're over watered. They're probably going to die. It's not going to die. It's been with us for years. Thank you. His name is Henry. He's okay. I just named him now. But he is struggling this morning. It is true. What about those fish in that tank? Ah, fish. Thank you. Because it killed the other ones. No, the other ones jumped because they're guppies and they jump. But all the levels on the water are perfectly fine. We do testing. Thank you. You didn't feed them.

42:04I like the shrimp though. He was fed on Monday. He's getting fed today. You guys are weird. What are you talking about? What are you on about? Living things. Talking about... Okay, so she says you shut down. I told you, you cuck him. In conversations, you cuck him. No. You get cucked. And you allow yourself to be cucked. Do you get off on it? No. And she doesn't. Well, she said she does. No, I didn't. You said he shuts down. He shuts down. I don't cuck him. You cuck him. No. You said that, Caleb. You're getting cucked, big guy. Why do you shut down? Uh, because whenever you hit a wall and she's running in circles, it's like, you just let her run in circles until she gets tired.

42:46Yeah, you must be miserable to have conversations with. You're probably just buzzing, buzzing, buzzing, buzzing. Um, I would say that it's where he says, like, I'm running in circles. I'm not running in circles. I'm just trying to make sure that he understands what I'm communicating because I'm, if you say one thing and someone hears another thing, then it's like, there's a miscommunication there. but then he doesn't want me to do that because he thinks I'm reiterating and reiterating and I don't think I'm reiterating. So how often does he go to 7-Brew then? Multiple times a week. Not anymore.

43:18Yes, we have. How many times do we go this month?

43:26Enough to get at least two free drinks. So at least ten. How many times have you gone to Seven Brew this month? We. We're not always going together. I've had Seven Brew, I think, twice this month. Okay, what about when I bring it to you at work? Because you're like, yeah, I can use a coffee. I could use a coffee. And then you're like, I show up with a coffee. There are no objections there. What, are you going to return it and get the money back? No, you're just happy I brought you one. You don't object. So, it's fine. You think she ever spends behind your back? Uh, yes. I know she does. The one wheel.

44:13That was with love in hopes that we could do our hobby together. Oh, what a cope. No, it was not. F*** you, love. I thought he would be excited so that we could do the hobby together. There was already one. What is wrong with her on this? But the other one was shitty. You'll understand. You'll understand? How would I ever understand? You just got to try one. I've been on one. No, I don't think you have. I mean, I quickly got off it because I'm not good at it. You didn't try hard enough. Well, probably. I mean, what? You didn't try hard enough. She's broken, my guy. What is going on with her? Imagine being able to do that with your girlfriend and go like on trails.

44:53She does on one wheel. But if she did, being able to do that and like go. We can bike. We like to walk. Save on gas. We don't live in that kind of area yet. So it was a worth it purchase to me. Oh my gosh, okay. So any more spending behind your back do you think happens? Yeah, there's been several like bakery purchases. And sometimes it is with like good intent and heart to bring me some food or something throughout the day. But then for me, in my point of view, I am as frugal as it gets. Like aside from 7Brew. Like I take those things. Like 7Brew is like my thing. alright okay what about when you're like let's go to the bakery um yeah whenever we have a little bit of money to spend that's left over from past month's expenses but like but I feel that way when I go to the bakery and bring new stuff that's what I feel like it's coming from but like so what's the difference it's a lot more but what's the difference guys you spend 400 hours going out to eat I'm just laying this bullshit it could be video games it could be magic gathering You guys look like Magic the Gathering type of people.

46:04Not anymore. House fire took it all. There we go. Okay, good. I'm kidding. That sucks. Miscellaneous bullshit, though. $1 ,342. Our grocery trips are like... No, they're not miscellaneous bullshit. Walmart? No, that's unknown usually. That's$1 ,120. This is confirmed bullshit. And then confirmed going out to eat that it's$1 ,742. And confirmed bullshit. with your guys' income that's coming in, especially now that you have a higher income, you did it before, you're spending 40%, 40 % on bullshit. And you want to move the relationship along? Good luck. No, you want bullshit. You want instant gratification.

46:46You want to fuck around. You want to hide shit behind each other's back. And you want to not be able to communicate. And you want to cuck him. I don't cuck him. And I don't want to cuck him. Don't be so f***ing dramatic. Like you make everything out to be horrible. 40 %? Would you say 40 % is not? Okay, it was a more... You tit. It was a month... You're a tit, first and foremost. No. And not even a good-looking one. Second of all... Says the cow. Moo. I don't give a... I think it's cute. I can take it out whenever I want and look normal. But that doesn't affect, like, anything... Okay, here. I don't think it's that bad because that last...

47:2340 %! Last month... Oh, my God. Shut up. What is so special about last month? Every month is special. It was his birthday. And so we spent more on going out to eat and stuff because... Birthday? Fuck you. You're trying to get to marriage. I'm just saying it was not a typical spending month for us. We spent more because we were going out with friends, family, and all that for birthday. It's a disgusting joke. And by the way, there is unique things every single month. You're going to have a birthday month. There's going to be a Christmas month. There's going to be a holiday month. There's going to be...

47:52There's always something special. There's going to be an emergency month. He had surgery this year, right? There's going to be a surgery month. There are things that always happen. There is no such thing as a typical month. If you do not allow yourself to budget, if you do not have any boundaries on anything, if you do not hold yourself accountable, shut your f*** up. You don't try. I do try. You don't know what the word try is. Yes, I do. People like you have never tried anything in their life. They just complain online. I lost a lot of weight. Well, doesn't look like it. Yeah, well, we weigh about the same.

48:18How much do you weigh? Like 215. And how tall are you? 510. Okay, one, you're an inch taller, so that weight distributes more. That's a cope. Two, I'm 5 '9". Three, I'm 210. Does an inch usually make a difference to you? Well, you also don't have tits, so different. Huh? You don't have tits. Different. Says who? Are you proud of that? Yes, I'm 5 '9 and 5 pounds. I bet you feel good about that. I'm pretty good. I'm pretty good. I'm pretty good. Yeah, have you ever tried to lose weight? I'm down 20 pounds. What do you think trying to lose weight is? I'm proud of you, but you should try harder. 20 pounds is crazy.

49:01At least the first noise out of my mouth isn't moo when I wake up. It's not. Inches and pounds don't affect our finances, though. Well, they do when she eats like a pig. I don't. She can't. Protein shakes are expensive. She can't actually eat like a pig anymore. I literally can't eat like a pig.

49:24You're quiet. Do you have anything else to say? I'm just observing you. I'm just letting you go. Just like him, he lets you run in circles until you get tired, kind of like a pig. Well, you should try running in circles. Maybe you lose more than 20 pounds. That's crazy. Are we hating weight loss? Just hating that you're not trying harder. You say, I don't know how to try. Well, you don't know how to try. Look at you. I do know how to try. Just not at the right thing, maybe. Only one thing. You can look at everything. I've tried to try. I've tried to grow a business. Oh, success. Tried to grow a top 10 channel on YouTube.

49:55Oh, I did. Success. Tried to lose weight. Oh, I did. Success. I'm in college. Yeah, you look like a permanent college student. We all know that. No, I just started because I didn't want to waste money on student loans when I didn't know what I wanted to do. Go to college at the end of the day, protest at night, cancel people on TikTok on the weekend. We know you. No, you don't. If I were to read a book by its cover, yours would suck. Also, you know how much— What? Did you just— That was the most middle school thing I've ever heard in my life. Well— Is that what they teach in Kansas or wherever you're from?

50:23No, that's just how I feel. You're judgy. yes when there's a of course have you heard me judge him not that much no not that much in 49 minutes because he's not horrendous because he doesn't do anything crazy with his appearance well no come on he looks like he is trapped in a gaming dungeon no he doesn't but since he's beautiful I love him but since he is not being a piece of shit I'm not going on a piece of shit I'm not being a piece of shit You know what's more expensive than holiday travel? Your phone bill. And if you're still paying hundreds of bucks a month just to text your mom, I landed, then we need to talk.

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53:02Don't even. Come on, dude. He fertilizes his plans with you. He fertilizes something. Oh. And you're going to talk about your f***ing little dungeon play or whatever you do? What? Oh, degenerate. That's what you said. Yeah, I'm a little degenerate. We love a Gooner degenerate. What the f*** are we talking about? It's that, but in a different way. Gooner degenerate. You know how hard she tries? She tries so hard she got banned from Klarna. I didn't... Heard about that. Oh. She's a real tryhard. That was a long time ago. Okay. You're banned from Klarna. Um, I'm only banned until I pay it off. Dude, you're banned from Klarna.

53:38That's insane. If that's even a status associated with someone, that's insane. That's not banned. It's just, hey, pay this and then you can use it again. I found out about the Klarna thing when she got the Onewheel because I asked her if she could just use the financing option, the future motion the company uses. And she was like, I'm banned from Klarna. I didn't say banned. I just said I can't use it. I'm not banned. I'm not banned I need you to talk in circles please keep going it's not a circle uh huh no the weight loss is good where were you where'd you start 360 that's pretty big well big loss and really big to start yeah did you meet her at that level oh that's good yeah right yeah yeah yeah I met her at the like where she is now and I do try Okay, I can build good habits.

54:35What is this not in here? I changed my whole life. Oh, Zempik? No. What? That's not a bad thing if you do. It's a tool. No, no. I had gastroparesis. Ah, okay. Well, another tool. But yeah. But tools aren't bad. Tools aren't bad. But before that, I still like, I changed my whole diet, my whole life. But tools don't necessarily change behavior. That's the thing. Because many people, a lot of the gastro surgeries, you know, the vast majority eventually rebound. is the thing because it's a tool that can help you get somewhere just like consolidation can help your bankruptcy can help your but it doesn't change the behavior it means you can end up being a fat f*** again well even though I did change my behavior a year prior to that I didn't find out until because I did like a weight management or weight loss program to change like my whole lifestyle to see if I could lose it myself and then they did like tests and they saw that my stomach actually didn't work I had gastroparesis like my food wouldn't move so then they had to take off the part that wasn't working what do you guys think your hammer financial score is as a household zero to ten zero being the worst ten being the best where do we think we are guys no you first wow okay cause he's wrong okay yes you definitely seem like the person that is right he was closer to the dat number I've been in therapy for eight years I'm probably right you're in enablement therapy I can tell I'm not Again we know people like you You are the worst Among our civilization I'm sure you do You are an enablement therapy You're not having a therapist That actually helps you Wrong You ask for a square out of 10 Yeah 0 to 10 0 being the worst 10 being the best 3 or 4 7 Oh she's fucking Oh she's so She'll be homeless We're not That doesn't Have money in my retirement She's so fucking dumb She's so She is so stupid What is wrong Why are you doing what is happening?

56:27What is wrong with you? Oh, how, oh my goodness. Are you done having your little dramatic attack? It's a dramatic attack of just look at you. How can you even say a seven? Seven would never come close to being on this show. What the fuck wrong with you? Nothing. What? Yeah, your therapy is, your therapy is not working because you have no self-reflection. It's working. Objectively not. If you watch your Hammer Financial Score, get it at CalebHammer.com. See where you're saying the world of finances, is where you need to improve, where you're already doing well, what you need to do to improve. It's just free.

56:59It just takes a few minutes. So check it out. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. It is the app that powers the show, changes tens of thousands of people's lives out there who are subscribed to it. You can take the free trial. New features launch every single month. See if you like it. And if you do, sign up for the annual version because that saves you a lot of money. And when you do, I will personally sign my budget-friendly cookbook and mail it directly to you. Can I have that? So check that out. dollarwise.app.

57:26I don't want to tempt you with more food. Now I lost weight. I didn't f*** up with that. You did one thing. I'm very proud of you. Most of us accomplished much more. At least I go to therapy. A lot of people don't even try. Yeah, but you're going to enablement therapy. I'm not. Listen to how you speak. I used to think I couldn't even work a full-time job because my anxiety was so bad. But look at me now. I'm a full-time student and a full-time employee getting more than 40 hours a week at some point. So. Oh, she's doing what everyone else does in college. I'm really proud of her. You should like really pat her on the back.

57:54Some people don't do any of that shit. You're right. Okay. You're slightly better than the worst among us, but you're pretty much there. Okay. ISPC. What's this? Whose is it? Technically not mine, but I'm the co-signer. That's the water system. So you're a co-signer. Do you have to pay for it or does the X pay? Is this the water system? He's paying for it now. Now? What happened? Yeah, he wasn't paying for it for many months. So it's your credit. Yeah, there you go. One, two, three, four, five, in fact, this year so far. Which is your credit. Well, it was in the first place. $12 ,442. Yeah. How much?

58:33It was originally like. Colton, you got a water system, right? How much was that? $6 ,000. What the did you get? It was like the water system that softens your water. And then it was also like a reverse osmosis. Girl, you make$2 ,400 a month. And that is high for you. You were making less. Again, this is what you're attaching yourself to. Look at that line. That's wild. I've never seen anything like that. What are you doing? Are you just down here all the time? You're just like, you're gooning at that computer all day. He's always looking in the dirt. You have an incredible line right here. Do that again?

59:02I'm not going to do anything you say. That's right. He's just in the dirt all the time. I respect them. I respect them. If you would like to repot that later, we would appreciate it. It needs a bigger pot. He totally would. It needs a bigger pot. We just don't have one. I'm up for hire. Well, then go get one. Huh? I'm up for hire. You're up for hire? Higher. Higher? Yeah, a job. take care of your plants he'll be your plant guy so this is brutally expensive what's the interest rate on this? I don't know it was 119 days late I don't know I literally don't know anything about that it went up so much it's 113 days I messaged him that little puss boy I messaged him and I was like I literally was like hey you need to figure out how to get my freaking name off of that because it's not mine and I don't live there You co-signed.

59:51It's not up to him to get the name off. Here's a deal. Okay. Here's a deal. No ring on the finger. That's going to kill the credit. My credit. Well, it wouldn't. A ring on the finger wouldn't kill your credit. But all the other debts. No, what it could do is if you guys ever get assets together, depending on the laws in Missouri, right? Arkansas. Arkansas. Yeah, this is one of those. Yeah, you guys live where Boogie lives. That's right. I don't even know who that is. Well, look outside. Trust me, you'll see him. I'm not going to lie. I really don't know how, like, I don't know how it would fuck up a marriage.

1:00:29I really don't. I don't. No, no. Okay, yeah. If there are assets owned and you die, you would have to settle your debts oftentimes to get access to the assets. I don't plan on dying, so I think we're fine. Well, believe it or not, that's not usually how that works. Mm-hmm.

1:00:45Why can't you follow instructions? I did. He has ADHD. He has work. I swear. This show obviously attracts the worst of the worst. Um, no. There's been way worse, okay? I'm not making all the excuses under the sun. You even reminded him in the green room. What? To mute his phone. Colton Sane. Uh, I told him. Why would you? Can I have some advice? You say don't put a ring finger on it until all this is taken care of, right? May I just advise not to put a finger on that ring? A finger on the ring? A ring on that finger. May I just advise that? Nothing's happening until things get fixed. May I just suggest that nothing happens?

1:01:29You can suggest. Your opinions are not that valid, I don't feel like. Not that valid? No. They don't really matter. Then why are you here? Like opinions on our relationship. Well, that's everything right now is your relationship. We're here to get help. Big bag of shh with your name on it. Don't shush me.

1:01:56Interesting. So the water system. What? What's going to happen on the car ride home now? No cucking for him tonight? Pussies. We're going to go to Bucky's. Of course you are. Are you going to blow a bunch of money on buckets? That's great. What's the minimum fee payment on here that usually? I think it was like 100 and I want to say 150 maybe. So 150. I'm not going to mark it down as a minimum fee payment you have to make. Now, why was he late and why did he restart?

1:02:31We split up and he wasn't making payments on the thing. I don't know I'm gonna be honest What if he stops again? I don't know I'm not paying it I don't live there I don't live there It's your credit dude But it's not my house It doesn't matter It's your credit It affects everything you do in the future debt wise I don't know He quit paying it and I don't know why He was like depressed or something I got him into therapy and we ended up splitting up in like the last three to four months of our relationship or if you could call it that I was living out of my car until I got into my next apartment.

1:03:09So, because I didn't want to be around him. This means literally nothing. You're not getting a sob story and I don't give a fuck. I'm just saying, like, I don't know why he's not paying it. It doesn't matter what if he stops again was the question. Well, I'm not paying it. That's not my water system. It literally is actually, legally. Well, I can't go get it. I can't just go take it out of the house. No, but you owe. You owe. I'm not paying that. It's not my water system. I don't want to pay on it. This is, again, what you are selecting. This mature creature, this very mature creature in front of me is what you're selecting to make all of life's choices with in the future.

1:03:47She's not all that. She's not her past mistakes. What? No, she is saying right now she will not pay for a debt that she would owe on. That's not her past. That's her future. Well, I can cross that bridge when I get there. Well, you're literally saying you would not do it now. And I don't know if the bridge could hold you. You're one to talk. We're like a five pound difference. Calm down. Yeah, with one inch as well. You can use a couple more, I'm sure. One inch is huge! Right, my guy? Right? Right? That's unfortunate. It's average. We love an average king. Why do you owe money to your grandma?

1:04:25That's not average. I got into an apartment that I thought I could afford and I couldn't. She can't do anything. She can't do anything. $8 ,000, by the way, is a lot of money. It's a lot of money. How much did you not afford? That's crazy. $8 ,000 isn't a month of rent. It was like piling up like... How many months of rent weren't you paying? Why weren't you paying rent? I was paying rent. But it was like... What's the struggle? There was like, I was falling behind because it was so expensive. How much? How much? Because$8 ,000 is crazy. Okay, so there was a lot of things like this apartment. Oh, you bailed on your lease.

1:05:01Well, that's why. Why'd you bail? Because I couldn't afford to live there anymore. What was your rent? $1 ,400. How did you possibly even sign up for that if you were making even less than you make now? $1 ,400? F*** you. That's insanity. That was for a one bedroom. Okay. Which is like crazy. I agree. You're stupid for signing up for that. What was the only place that had that? It was the only place that would approve me with a low like deposit. Well, then. I didn't have a lot of money. Then why are you okay with f***ing up your credit even more in the future? Because that's going to limit your opportunities.

1:05:33Just like that did. And then you got f***ed. What's going to limit my opportunities? Oh my gosh. Your credit score getting worse. If this dude doesn't pay and then you don't pay. Like I said, I'll cross that bridge when I get there. Okay. You're obsessed with this bridge. You already told me you would not pay. I don't want to pay. And as of right now, I wouldn't pay. Well, there you go. That obviously, your credit fucked you with this apartment. Then you got into a bad apartment you couldn't even afford, which I don't even know why you'd sign it in the end. It had a little yard and I needed a yard for my pets.

1:06:00No. Yes. No. Yes. No. Yes. Ivory's dog, an apartment, two, two apartments. One condo, one apartment, no yard, go for walks. One of them is terrified of going on walks. I literally have tried to desensitize him. He's just a freaking crackhead. I don't know. Like putting a harness on him, he freaks out. Oh my gosh, then you obviously should not have gotten that dog. Because you can't afford to take care of it. I can. No, no! Objectively, no. Okay, is there an agreed upon minimum payment with grammar or how does this work? No, it's like... Yeah, we set it in our budget. Budget. You spent$500 more than you made last month.

1:06:43What budget? The one we tried to stick to. Once the year starts, 2026, we have it set up to put away$150 a month. Okay. They want us to put it into like a savings account instead of paying it back. And then once we have that amount saved. Oh, I hate how they do that. It's such an enablement piece of shit mentality. I get they're doing it out of a place of love, but it's not good. You should pay them back. Okay. What is this? Okay. To someone's dad,$4 ,275. Why? Well,$675 for moving. $1 ,400 for dental work. Okay Wait,$2 ,200 for the Onewheel? That's now$1 ,900 You owe on this Onewheel? Yeah, I'm paying the payments right now What a joke What a joke to your father You borrowed money from your father for the Onewheel No, I don't What a joke He just financed for me and I pay the payment What?

1:07:35What's your minimum monthly payment? $280 And then are you going to roll that$280 into the rest of those debts from the dental and moving? That's the plan, yes Oh, you are a f***ing beast. Well, I'm getting extra pay right now, so I was actually getting paid off early. Why would he even do that for you? Because it's so enabling, such bad decision making. Why would he even do that? Because he saw how much fun I was having. I'm going to call him in the post show. No, you're not. Yes. No. Yeah. No. Oh, yes. No. Why? Why? I don't think he'll answer the phone. Well, we'll double. Text him right now.

1:08:11Say, expect the call in 30 minutes. I don't. Call him. We need to stop this enablement. Text him. He won. There it is. I'm sure he's disappointed in what he's created. He is not disappointed. I'm paying it. Uh-huh. Get the debt yourself then, bitch. I'm paying it, though. If I wasn't, that's a different story. I'm not having him pay for it. Listen, you guys don't have a budget. You're not part of budgeting. I'll put you guys through Master Your Money. It's our program. That goes through mastering your debt, mastering your budgeting, mastering your investing, mastering your real estate, mastering your job opportunities.

1:08:53So we'll put you through that whole program. And that also comes with the premium version of the DollarWise budgeting app. You guys get that forever. So check that out and join the community there. Thank you. I'll have that at calebhammer.com, obviously. But yeah, I also get you guys the Fizz card because obviously you guys can't manage death to save your life. Good, thank goodness. Better be managing it well. Yeah. So you texted him? Yeah Good We'll see what he says Good Now you're nervous Yeah I love my dad Well good And I want him to love you too But not by enabling you This doesn't change the love We need to get you on a better place And have your relationship not be abused I don't think it's abused Yes you do You do abuse it I don't think it's I do not Not intentionally in like a manipulative bad way But you are doing it No I'm not she's not willing to take any piece of feedback by the way like I wasn't even gooning on her that time and she's not even willing to accept it I'm not taking advantage of that if he doesn't agree with it he tells me no no he's he's thinking he's doing it out of love he loves his daughter

1:10:02okay let's keep going what okay a list of collections what the fuck am I looking at what the fuck am I looking at okay capital one in collections you don't even know how much World Finance Loan? Huh? That's my legal name. Oh, I don't know why that was in there then. Something, a World Finance Loan. What the f***ing is this? Opened in 2024 and that already went into collections. It was for you and your ex. Okay, yeah. So he, when we were together, he went through like a, he tried to do this debt relief thing. Which can be good depending, but you have to change your behavior as you go through it.

1:10:40But they told me to stop paying my debt. so that they could settle. Yeah, for negotiation, yes. And then it went to collections. Yep. But you have to go through the debt relief program. But they never told me that they weren't paying on mine. They added mine, but then they said they weren't paying on mine because he had them remove it. Post-breakup? Yeah. Well, yeah. And they hadn't settled. Well, that would be weird that it would be a part of his debt relief program and process. Well, that's what I thought, but they said they would add it on just for us to have one payment. and so then it was already in collections I was like what do I do now

1:11:18how much do you have in collections that's a great question because I don't know no you don't have numbers on here this is a google doc where you're just like you know Wakefield and Associates is that legal um how much is it originally Pafford Medical yeah it was radiology I don't know what for though what it was a medical thing I don't know what it was for, though. How do you not know? Because I didn't, I don't know. I go to the doctor a lot. So I don't remember what it was for. Was she testing her TARD levels? Can you call and be like, hey, what is this for? It's already in collections. Does it matter now?

1:12:02Well, yeah, it's for credit. And none of these are old. None of these are that old. They're going to take forever to fall off. Credit Bureau Systems, 777. Is that from 2024? Yeah, the medical. Yes. Yes. I thought Wakefield was from before that. No. Mid-Armor accounts, 387. Are these in collections or are these loans? Loans. Okay, so what the fuck is this? So Petlands. I got a dog. I shouldn't have gotten. Oh my goodness. No, you shouldn't. You can't afford a dog to save your life. Is that the... Because you owe$8 ,059 on this. Where the credit limit is 700. $700. Or$7 ,000. You owe$8 ,000 where the credit limit is$7 ,000.

1:12:45I didn't pay on it. Yeah, no f***ing bit. What's the minimum payment, tit? I don't know. They closed it. Oh, it's closed. So it's going to go to collections. You're okay with that? You're just going to let us sit there? I think it's already there. She's not going to do it. Again, this? This? Look at this behavior. Look at her mindset. She doesn't give a f***. She still borrows from mom to go. I do give a f***. You go to the tea place every day and you borrow from mom for it. I don't go to the tea place every day. And you borrow from mom for it instead of actually taking care of your dad ever. I'm working on it.

1:13:14No, you're not. Work harder. You work harder. I do. Does he work harder? Not on his seven brew habits. As of lately. How frequent is lately? This past month. We have gone more in this past month. than in a while, I feel like. So that's not true. No, you made your dad co-sign on that loan and you didn't pay it? You're a horrible person. I didn't know how co-signing worked back then. It's your second time. How did you not learn? No, that was my first time. Then you couldn't make the excuse for the other one when you co-signed on the water. They didn't tell me what it... No, they would never tell you.

1:13:58Why can't you? Because I didn't know. Why do you have no ability for any ability? I thought it was just for approval, not responsibility. You can't do anything unless someone sits you down and holds your hands. You're incapable of doing anything. So far, that's what your excuses have been, that you can't do anything. No, I can do things. No, unless someone sits you down. I just didn't have the right resources or didn't know where to look. Resources Google. Are you actually stupid? I didn't know where to look. Google. Everything is Google. Oh, you are. What is wrong with you? Nothing. Your kid will die in her hands.

1:14:29That's false. No, she can't do anything. She'll be like, I don't know how to breastfeed. I'm going to give up. That's it. She won't look it up. She won't ask anyone. She's just done. If she could figure it out, she would just... My mom's a nurse, so, like, I know what to do. So, again, without someone holding your hand, you wouldn't be able to do it. Yes, I would. You are so broken. You wouldn't either. Yes, I look things up, you idiot. You idiot. I learn things all the time, and I don't know. I have only started getting financially literate. You idiot! You are an idiot piece of dick. Sometimes.

1:14:59But not always. I just don't feel like... I feel like I'm not that bad. Oh, shut up. better than I did before. Shut the fuck up. Not opening any other things. Hey, you know what I'm doing right now? You know what I'm doing right now? Huh? You know? Googling. You know what I'm doing right now? Googling. No, this is even better. You know what I'm doing? I am Uber eating myself an expensive lunch because it's in the budget because I can afford it. I'm sure you need that. Because I didn't have got my life late 20s like you are. Well, you're going to your 20 pound weight loss, so. It's a salad, you.

1:15:34Well, depends on what's in the salad. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$350 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for time. Get that$350 right now in your checking account. Starbucks is bulls**t and a waste of money.

1:16:12And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamersupps. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 % off your order at Gamersupps.gg or click that link in the description below. Type in code Caleb. Chicken. Fried or grilled?

1:16:53Grilled. Good for you. Proud of you. Light dressing. Mushrooms. That sounds good.

1:17:05Don't pretend like you graze like your breed. It doesn't sound that good. I love vegetables. My favorite snack is vegetables. Ask him. Ah, yes. A classic snack. Vegetables. It is. Cucumbers. Carrots. That's my favorite. Celery. There we go. Those are actual things. They're so good. And does he hold you a carrot out like this for you to... No. No. And your mating call doesn't work on me, so don't oink. Mating call? Yeah. I'll do that again. No. Fits you better. Please repeat what she just did like 10 times in a row.

1:17:48Okay, we have an auto loan. So you fucked your dad. Well done. That usually happens in Arkansas, right?

1:17:58Disgusting. It's Arkansas. I'm not the one in Arkansas, dude. He's in Oklahoma. I've driven through. So calm down. Okay, we have an auto loan? It's closed. So this is what you considered paid off as you just didn't— No, no, no. I have a paid off vehicle. So what is this? That was like the first car I ever financed on my own. Why is it—why do you owe? Because it got totaled and I didn't have gap insurance. So it's also on your collection. So all this is collections. Yeah. All of that. You are a disaster. So you had a car repoed. No. What happened? It got totaled. The first one, we got two from that place.

1:18:34The first one, my ex at the time, or my ex now, but my past relationship, he totaled it. And so I got another one. And then I got T-boned by a city truck, broke my collarbone, and it totaled the car. And I didn't have gap insurance. Women driving, am I right? That wasn't my fault. I'm the one who drove through Dallas. Shut the fuck up. You're taking it so seriously. Oh, you drove through Dallas. That's a big feat Okay that was scary That's a big feat A big like Achievement Is she I have to ask this again I just I rode trip to Dallas A few times These past couple These past couple weeks And it was Honestly one of the Easiest drives I've ever done in my life No it was awful last night It was really bad I will say we almost Got hit twice by people Dude people don't They don't use blinkers They cut you off It's crazy It's not difficult though It is Defensive driving No Texas drivers are awful She hates that I defensively drive No I mean When I was in Dallas The first moment I went to Dallas the second time a couple weeks ago, the moment I got downtown, there were two individual moments separated by two minutes where someone was going the wrong way down a one way.

1:19:37It was very confusing, but it's not difficult. I just said, I'm not going to crash into you. No, but other people were like about to crash into me and I had nowhere to go. There were walls on the sides. No, I feel like you're just. No, it's for real. It was bad. She hates that I'm a defensive driver. He's not a defensive driver. He's a scared driver. Were you driving or did he drive? She drove. I was driving. She drove, but... Okay, progress serve. One progress serve. How much is it? $2.75. This one has a monthly payment, so it's open. Oh, that's like... Oh, this was just open in August. No, no, no.

1:20:09Yes, yes. No, but I'm saying it's a credit building thing that I had through my, like, pay portal at work. Why are you even doing credit building? It's like a$1 monthly payment. If you are literally everything else, though. There's no point. Because I'm trying to build credit. I'm trying to do better things. Yeah, you won't take care any collections. I don't really know how collections work. Oh my gosh. Are you, she's actually a child. No, I'm not. If she doesn't know how it works, she gives up. She will not do any kind of semblance of learning. She will not put in any effort. I'm literally in college, so f*** you.

1:20:43No, that is being handheld. Again, you're not willing to go out there and learn yourself. You're in class by someone else being teaching you. They don't teach me. It's online. I have to do it. Yeah, you have a curriculum there. Again, you are not, if there is a struggle, you will not figure out how to do it unless you are not in a pampered situation where someone is holding your hand. That's so bullshit. What are you talking about? I don't know how to deal with collections. I don't know what a... Financially, I am illiterate. Outside of that, I am not. Sure, but this part of finances is literally so easy.

1:21:14It takes five seconds online. I didn't know what collection... I thought when it was in collections, it's in collections and it's just staying there until it falls off. She is a broken individual. I don't know how you're going to deal with this. He glued me back together. No. Yes, he did. Do you hear how you're talking? No. Yes. Okay, good one. So you didn't know what collections was? Do you know what collections is? Yeah. Explain it to me. It's when you stop paying. No, but then what do you do with it? You pay it. But then your credit's already f***ed. So, like, does it even matter? Yes. Collections getting off your credit dramatically improves your credit.

1:21:53Well, I didn't know that. You just pay it. Yeah, you don't owe anything because you're not willing to do anything. Yes, I am. No. I mean, just no. Simply no. You can't say that. That is impossible.

1:22:08Now, as far as I understand it via this note, that was just typed to me. The college that you're going to is being paid for by your last company before you got laid off. How the f*** are you going to do college now? I'm going to a resource center that will pay for individuals to get a four-year degree based on— If they accept you, right? No, it's a diagnosis thing. Okay. And what are you going to be diagnosed with? PTSD. So, like, they pay for it. Okay, so it's something that— Based on, like, it's a rehabilitation thing. So it's impossible to actually analyze. No. I mean, yeah, but you could tell them anything.

1:22:41No, but you have to have a provider that you've seen for an extended amount of time. Okay Well maybe But I could have utilized Sure but they still have to Accept it And will they pay For the whole thing The only thing I'm not sure about Is because The school I'm going to Is technically out of state So I might have to Switch to a local one What the I'm sure they have A limited amount of resources And a massive amount Of applicants So I don't know why You would be the magical one They have a pretty Good program I mean I I'm sure they have A good program I got approved for it before But I didn't know What I wanted to do Every program Has a limited number Of resources though.

1:23:15Yeah, it's like basically they'll pay for something that will get you into a career. So that might be a certification. Listen, I'll get you a certification to course careers. Many people in the audience have used it and they've improved their incomes, got new jobs, got great careers. So I'll get you one of those. I'll get you both one of those because you both are pretty low income, especially lower. But yeah, for the area it might be okay, but whatever. Listen, with that last, the credibility and you owe$275 and you have a$25 minimum payment. This is more collections,$11 ,000 for something? Emergency?

1:23:50Bariatric? Oh, this is you? That was my stomach. Surgery? Oh. Okay, well, is that in collections? Yeah. $11 ,000 in collections. I don't know how you're going to deal with that. You got a lot of shit done, do you? Yeah. Yeah, well, I had issues. Well, yeah, emergency is emergency. I'm not criticizing for that. Okay, synchrony. Who's this? Is that the care credit? Yeah, that's care credit. That's technically him, but it was for my LASIK. Yeah. But it's on his credit. Yeah. But we pay more than the minimum every month. The minimum right now is like$109, but we pay like$150. No, the minimum is$109 and you paid$115.

1:24:34Last month, but before that. You pay$115. And that$115, by the way. was late. So it didn't even matter because you had a$30 fee added. I don't know how it was late. You don't know anything. You don't know anything ever. I don't know how that was late because it's on ACH. Hey, by the way, this takes 20 years to pay off. And that's if you actually pay it on time. So. That's with the minimum. Yeah, which is what you basically do. And you didn't, it doesn't even matter anyway. Because just shut the f*** up. When you pay slightly a couple more dollars in the middle, it didn't matter because you had a$30 fee because you pay it late.

1:25:09So I don't want to f***. What was this for again? LASIK. You didn't have to get LASIK. I was paying a lot in glasses because I can't. You didn't have to get LASIK. He now owes$3 ,339. You had to get LASIK? I get glasses. I get glasses. I know how much glasses cost. It's hard to do sports with a full-face helmet on. Hard to do what? Board sports. like sports with a full face helmet when you have glasses and then you break them and then it's like so much money. Okay. Yeah. You get a cheap pair. And I can't even wear a podcast. You get a very cheap pair. Very cheap pair meant just for the sports activities.

1:25:50Come on. I've been through this. Not specifically board sports, but come on. Come on. It was worth it. No, this is a cope. You are coping. You're making excuses. It was worth it. You wanted this. That's it. But it was worth it. And he had to put it on his credit. You've used him. I did not use him. Yes, actually. No, I didn't use him. Literally, yes, it's there. What do you mean? I didn't do that without his permission or anything. This was something we talked about. It doesn't have to be against his permission to use him. I didn't have any credit history at the time. I kept my credit history.

1:26:23Guy. So. Oh, guy. You're being used in this relationship so far. No, he's not. Yes. No, don't project onto me just because. Project. Your girlfriend can't make as much money as you. What are you talking about? This is a document. This is a document. But I'm not using him. That was something we talked about. It was something we talked about. I know you talked about it, but you used his credit. Credit, not him. Oh, my gosh. She's a mess. She's a mess. What am I looking at here? It was a credit card I had. Was? In collections? No, but it's not. I don't know. It just says that the balance is due in full, but it also doesn't say close, and there's no statements.

1:27:04Well, it'll go to collections soon, but we'll put it down. What is the credit card called? Uh, first premiere. You're a fucking mess. Okay, Empire Finance Loan. Yeah, you sent us the worst screenshot we've ever seen in the history of the show, so we don't know how to figure it out. I didn't. What the f*** is going on with this? Because you're incapable of anything. She can't even figure out how to take good screenshots. It wasn't a screenshot. It was a statement. So she can't even look up how to do it. It was what I downloaded from them. Uh-huh. It was. Tell me, what's going on in Empire Finance Loan?

1:27:32It's, I almost had it paid off, but when I got laid off, I renewed it because... You renewed it? So it's a draw loan. You can draw it over and over? Yeah. Like, renewed the whole thing? Well, yeah. How much is owed on it? Oh, my God. It's like$700. And what's the minimum? Oh, my God. Like$111. You're killing this, man. What do you think about all this so far? Because we have a lot to go through still. This is a f***ing mess.

1:28:04Wait, turn to the side again? No. I think I look great. You're going to bully me. I don't have to bully you back. But you can't. There we go. There it is. Mouth. Is it not? I don't have meth mouth. I had an underbite, you idiot. Whoa. Anatomy is different. Why are we throwing around words like... You throw around the word... This is a finance show, ladies and gentlemen. We keep it clean here. Yeah, okay. You just lifted and showed your nipple like earlier. That's not clean. I don't know the last time you took a shower. This morning. I take a shower every morning. But also, we're not talking about ancient history, lady.

1:28:42I don't have meth now. Women always obsessed with the past in conversations. That's such a misogynistic thing of you to say. It was also just a joke. But I know people like you can't handle those. So what am I looking at here? Hospital, hospital, hospital. I'm sure you require a lot of diagnoses. I don't know which hospital that is. You're moving it. I can't even speak. Okay, you sent the screenshots. Let's see if you can read. Oh, that's because of... Oh, college taught her how to read. Because I do treatments at the hospital for depression. Okay. Is that a debt? No, it's not. Why do I see a balance of$3 ,395?

1:29:19It's co-pays. Well, it says balance. So it's stacking up balances. Yeah. Won't they maybe not see you eventually? If you don't ever pay? No. Yeah, maybe. How do you know? Because I haven't paid. In a long time. Yeah, I know, but there's probably a limit. $3 ,395. She doesn't pay anything, by the way. She's, um... They never asked me for my car pay. Attach yourself to her. You're... They never asked me for my car pay. And I don't get physical bills from them, so... Oh, she does ketamine. And now I understand what's going on. It's bravado. Now I understand. You are full... It's bravado. Dude, how close to the hole are you?

1:29:59You... It's bravado. What hole? Apparently, you can't find the right one ever, so tell me which one you're talking about. I can now. I can now. I can now. Sometimes I like to... With a Google search. With a Google search. Yeah, I learned. I learned. And sometimes I like to pretend like I'm lost and I go, whoa, wrong one. I'm kidding. That's a joke. That's a very... Some weird hit piece YouTuber out there is going to see that and think that I'm actually talking about... It's bravado and it's very helpful. It got me out of a really dark place. So I am going to stand by that. I get it. You left the K-hole.

1:30:31But they also don't... They don't tell me what the co-pays are because they don't always know what insurance is going to pay. What's this, World Finance? That's his. I had a surgery back in May. What are you getting surgeries for? Double hernia I had for a couple years. What are you getting hernias for? Probably board sports. Isn't it just one-wheeling? You guys, you aren't surfing or snowboarding. Well, I do pro one-wheel racing whenever I was younger. Don't give that look just because you don't have a skill like that. I'm talking. Well, yeah, but one, he is talking. Thank you. And two, I don't think anyone's ever heard of Pro Onewheel.

1:31:10Yeah, they have. It's on TV. So regardless. The sports channel. The sports channel. I don't know. My favorite channel to tune into for my evening news. It's on ESPN. You don't watch TV, do you? Sports, I do. It's on ESPN. Look it up. ESPN.com. ESPN Plus, probably. But, uh... Okay, well, you got a balance of$728 with a minimum to be of 104. I'm sorry, you got hurt. But after the surgery, we just... The... FMLA wasn't covering our bills, so... Had to take out something. Chase Otto, this must be you then. You got a 13 % interest rate. They tried to give us a 25 first. Yeah. Well, probably deserve it, but either way.

1:31:56And we got it down there. And then we're gonna refinance. By stretching the term, probably? No, no. They kept calling me and asking, like, because we sat outside the dealership for, like, over an hour discussing the vehicle. And we ended up leaving because I was like, if you can't get the payment under 500 and you can't get the interest rate round. Payment. They stretched the term. No, they didn't. We left. There's no way. And they kept calling us for weeks and weeks and weeks. And eventually they were like, okay, if we just run it under him, we can get the interest rate down to this. And the payment under five.

1:32:25I was able to trade in. His vehicle. My car, which was not worth what it was. He came in 470s insane for you guys' income. Guys, what's this car worth? You owe$23 ,316. What do you think it's worth? I would say probably$21 ,000. $19 ,000. Yeah, private sale. So trade in probably$16 ,000,$15 ,000. I mean, it's not horrible. No, but you are under. So we can't really do any kind of fun flexibility here. We kind of could. Honestly, one thing I might do is, if it's worth$19 ,000. Oh, shit. You could private sale it, borrow the difference. and then get a$10 ,000 car. Then you'll have like a$13 ,000,$14 ,000 car debt to take care of instead of$23 ,000.

1:33:06That could help us. Your minute of payment would be about the same. But this is too much car for your guys' income, especially with all your debt. It's not even close. Too much car. I've made worse car decisions, so I can't really say anything. I don't give a f*** what you've done. Why do I give a s***? Why do you make this all about you? I'm talking about his car. You're such an obnoxious creature. I'm just saying. How do you deal with this? I can't really speak on that because I've made worse decisions. Congratulations, then don't speak. Try that for the first time in your life. Have you? Yes, but not when I'm on my podcast.

1:33:41Proud of you. You're on a gold star. Yeah, that's what I seek. It's her approval. But once I had more credit history built up, I was going to refinance for a lower payment. Dude, I don't know. I might sell it, borrow three to pay it off, I'm getting a$10 ,000 car on a$10 ,000 loan. At least that way you owe$13 ,000. Minimum payment will be about the same interest rate, about the same. That's something I might do. I might consider that because it's rough and you're going to be paying it off forever. This term has to be substantial. What is it, like 72 months, 84, whatever? Something like that? Nobody knows.

1:34:18Okay, that's great. Oh, I think it was 72. Yeah, 72. Yeah, that's horrendous. Should be no more than 32 or else it's unaffordable for you. That means you can't afford it. and you certainly can't afford this. Not even close. And it's already going underwater. One pay. What's this? Credit builder. Another credit builder? Yeah, that was the credit builder. That we already saw? Yeah. Yeah, it's just in and out, in and out, in and out, in and out. Oh, wait. No, not at the restaurant. I mean, transferring. But then all of a sudden, we do get in here. You go in and get some bullshit. What are you getting some bullshit for?

1:34:47What bullshit are we getting? What are we getting in some bullshit? I don't know. $6.15 from Walmart. What are we getting? I don't know. I cook at home a lot. I know it ain't carrots. What are we getting? No, really. It could have been like a bag of potatoes. No, no, no, no, no, no, no, no, no. Probably potato chips because you went in and you actually got something from Walmart that was likely groceries. But at the same time, you also got something for$6.15. So you had like a second little purchase. What are we getting? I don't know. Bullshit. It could have. I'm trying to think. I really don't know.

1:35:18Cupid's lingerie. It's where I get my shaving cream.

1:35:25Seven Brew Tic Tac Shop. Okay, no more Seven Brew. Seven Brew is illegal. Make our coffee at home. Listen, if it requires... You are going to let me talk for a second, creature. Yeah, that's your beastly noises. We know.

1:35:41We don't need any more proof that you were hatched from an egg. We don't. Okay? We really don't. You're making your coffee at home. We can invest in some good beans and it will still be cheaper. If you guys are energy drink people or Gatorade people like hydration drinks, you are getting Gamer Subs. You are making this for 35 cents a serving. Seven beer is good as f***. Here's the clock. Don't give a f***. I bought an espresso machine, a shitty little espresso machine. I'm doing my pitch. I'm doing my pitch. Quiet now. Quiet now, lady. Here you go. Free samples. Do you guys like energy drinks?

1:36:14I do. Okay, there you go. You make your energy drinks at home now for 40 cents a serving. Get your free samples. Link in the description below. gamersubs.gg, type in code HAMMER to get that Caleb. And then get whatever flavor you want, 35 cents a serving, gamersubs, it's very good. There's also a hydration drink version if you're not a caffeine person. Check it out. Yeah, they're very good. I bought him an espresso machine. Okay. It's a little one. It's just like the little Mr. Coffee. You got an Xbox purchased in here in this checking account. Checking account, wait, hold on. What? Yeah, we have Xbox, Five Below, Sushi, Guess Who, Five Below, bullshit, bullshit, going and getting some bullshit, bullshit, bullshit.

1:36:50Bullshit. Seven Brews. Seven Brews. Bakery. Bowling. Boba. Is this you guys spend so much on bullshit? The bowling was a family thing. Shut the fuck up. I don't give a fuck. Coffee. Coffee. Seven Brews. Coffee. Seven Brews. Bullshit. Bullshit. Bullshit. Bullshit. Endless bullshit. McDonald's. Bullshit. Cox. Bullshit. Walmart. Bullshit. Bullshit. Bullshit. Bullshit. Cox got responded. Wendy's. Wendy's. Taco Bell. Shh. Shh. Shh. Well, you want an explanation? I'm giving you one. I don't want to hear you for the rest of my life. It was for internet. Quiet. When we moved. Quiet. Boar's Nest, more 7 Brew, bullshit, bullshit.

1:37:31Venmo, Victoria's Secret. I needed new bras. No. Yes, I did. Mine ripped in the middle. No, I just don't want to hear about your tits. State Beauty. It's clothing. Tits. Tropical Smoothie, Victoria's Secret, 7 Brew, Prestige Man, bullshit, bullshit, bullshit. That's rent. DoorDash. Bakery. DoorDash. DoorDash. DoorDash. Spring Oaks. Maybe it was better. Oh, that was one. Azen Cellular. Raising Canes. Bullshit. Boar's Nest. Spring Oaks. Tropical Smoothie. Bullshit. Bullshit. 411K, the one we bragged about that we're so proud of. I am. Okay. 7 ,000 bucks. Yeah. Okay. Actually, for your income, no, it's halfway decent.

1:38:18at your age. And I'm transferring that into a Roth IRA. Rolling over. Yeah, that. Disaster. Let's see if we can budget this.

1:38:34Okay. Well, it's still brutal. It's about a fourth of your income, even though most of your debts don't even have minimum payments. And who knows if you have to add that$150 for the water system if you get... $1 ,104.22. What? is your rent? It's like$4.75 each. We're combining this as a household, aren't we? We also have a third roommate. $9.50. Okay, so$9.50. Okay, gas, electric, utilities, internet, all that. How much for you two? Well, I'm not sure because we just... Oh my gosh. It's because we just moved and so all the deposits are still... Project or just guess! Probably like, I would say that the electric will probably be$200.

1:39:15Split between three? Yeah. Okay. Internet? Gas? Internet's 120. Split between three. Gas? Is there gas? Is there no gas? Probably like 50 a month maybe? Yeah. Good, good, good. Split between three. Okay. So for you guys, 247 phone bills. Oh, God. I hate this part. Well, let's give me a number. Perhaps. Would be nice. Would like that. So my phone bill is 60. Good, and yours. How about let's get it out because I'm hungry. Like 360. I'm not even going to ask. 420. Blaze it up. Gas, vroom, vroom, drive, drive.

1:40:05Maybe 60 a month. For me, I would say probably about the same. 120, car insurances. Mine's 165. Mine's$110,$120. Say$120. $285. Necessary food,$600. Use the budget from the cookbook. Use the meal plan that is included in the budget class in the Master Your Money series. TP fun, anything else you guys need to survive? $150 should be good. Medical health care, other co-pays. I go... Yes, you do have co-pays. They're stacking up. What's our co-pays on a monthly basis? Come on. I think it's like 35 per therapy. So that's like 70 a month for that. And then this bravado is like, I pay for the medication and that's, I want to say it's like 40 a month.

1:40:54110. Is there a gym? Yes. How much? Like 28. It's for the black. Subscriptions. Let's try 40. Pets. Do they have pet insurance? So they don't right now. I didn't know if I should get insurance. Ages and health. Ages and health. One of them's 14. Okay, nope. The other one? Seven. Health? Good. Okay, I'll do that. 50 bucks. Pet food, how much? Well, I have another one. How much or what? Age and health? I have... Age and health? He's like two or three. And health? Good. Okay, 100. Pet food? That's not the only one. Why didn't you... Why aren't you just giving me how many pets? Ages and health, please.

1:41:33Please. Nine, good. Okay, probably not, but maybe. Three, good. and the other one's a lizard so I don't know if you need to do it for a lizard. No, 150. Pet food, how much? Probably like 100. Okay, anything else that needs to be in your budget that I have not taken into account, please, now or never?

1:41:52I don't really know. It's obviously pretty much over. We want to set aside the money for my grandparents. There's no way you don't have enough. Well, like putting into savings. Nah, good luck, but let's find out. I'll see if there's anything left over. I would like to save, but. Huh? Huh? He wants to save. the answer to I want to save is, oh, maybe$4 ,304.22. Listen, probably no savings yet, but let's see. You have an extra around$400 a month because you bring in a little extra with the pet sitting. You're going to ramp that up the best you can. You might pick up a second job, by the way. $400 a month is pretty, pretty brutal on all this because at$82 ,569.92, that we're going to minus the$12 ,442.

1:42:40Actually, hold on. I want to get rid of collections as well. Okay, let's see. Okay, dad,$4 ,275. Grandma,$8 ,000. $40 ,000 of debt to pay off. So that still takes eight years. Bankruptcy would be better, but that isn't clear family. That doesn't fix your car situation. So the reality is you need to go bring an extra$400 a month. You need to go bring an extra$400 a month. okay so with that extra $1 ,200 just about of the$40 ,000 there we go pays it off in two and a half years so those are the minimum dollars that have to be coming in really to make any progress on this bankruptcy is not going to really sell much it might be able to do a consolidation maybe or debt thing but again that doesn't take your major debts are the funds that aren't going to be forgiven in any of these unless you get rid of your car and your family dies.

1:43:34So, and we don't want any of that to happen. Okay? I would do the car trading thing that maybe brings us down to two years instead of two and a half. That helps. Then after that, six-month emergency fund, and then we need to catch up on retirement for the household. You're doing okay for yourself, but once we do the combined household, we're dramatically behind. So we need to really start catching up on your end. What's your retirement? Nothing. As far as I see. That's not true. Oh, well, why? I don't see it. Roth and 401. Well, Roth IRA, I'm assuming, but how much are you in both? I have 7K as of last.

1:44:05And then 401K? I believe that's about 5 ,000 now. Okay. Good. Well, we still need to contribute about 20 % to keep us on track for retirement. So maybe I'd get a one-month emergency fund now. You need to go work, work, work, work, work or get better jobs, take the course career certifications. Maybe college is on pause for a second. I don't know. But we're doing that, doing the car trade, and then we're grinding this out and we're paying it off in two years. Call it three years to get a fully funded emergency fund as well. then you guys are living a great life and you're not even 30 yet so it's not bad and you'll be 29 that's not bad that's a good life, that's a good future you have to go bring in more money right now and you have to follow the budget, use the dollar wise budgeting app go through the master your money series that's the plan, and think about the car trade in situation, not trade in but sell and borrow the difference hammer financial score spending in a budget, well you overspent 0 out of 10, debt there's a collection, 0 out of 10 emergency fund, there's nothing, 0 out of 10, retirement This is the one thing we have going for us.

1:45:00So you are at 10 and 5, right? 7 and 5. Yeah, 7 and 5. And then you're at what? It's like 7.

1:45:11Okay. My 20s, 19 ,000 bucks for your income level are usually, what are we at? Like$65 ,000,$60 ,000 before taxes. What do they have in the way? We'll double in seven years. Yeah, I mean, we're about, I'd say, a four out of ten. Real estate, zero out of ten. So, f*** you, seven out of ten. You're a one out of ten. Click that join button. Join us for the Hammer Financial Auto Post Show, or the Caleb, whatever, you know. It's a fun, an extra 20 minutes of every single episode. Join Hammer and Elites. Three premium shows posted every single day, Monday through Friday. Make sure to get your Hammer Financial score at CalebHammer.com.

1:45:49See you in the post show. Are the children done talking? Who are you talking to? Yo! If you would have gone up like two more levels, we would have had financial audits first this week. To be fair, he doesn't say a lot normally anyway. He doesn't say a lot or do you not let him get a word out? No, he doesn't really have a lot to say. She cucks him. She cucks him in four days. Thank you. You're here because you don't have a spine to say it to her. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday.

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