I've Never Seen Anything Like This | Financial Audit

23:05YReFi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com slash hammer. That is Y-R-E-F-Y dot com slash hammer. Or call 888-973-3978. That is 888-973-3978. Hey, break free from the high interest trap and get your finances under control once and for all. Let's talk about credit scores for a second because this is one of the fastest ways possible people are ruining their financial lives without even realizing it. If your credit cards are maxed out and your score is in the dumpster, it's not just the interest that's killing you. It is your credit utilization which makes up 30 % of your credit score.

23:45Super.com's credit building program actually tackles that problem in a way most people don't understand. With Super Plus, you get access to the Super.com card, which gives you a$5 ,000 credit line utilization boost. In a classroom of sodas, most stay quiet. Then there's Mr. Pibb, sweet cherry, bold outbursts, the kind of flavor that gets attention. Bold kick of cherry. And no, this isn't a loan, and it's not money you can blow. That$5 ,000 gets reported to the credit bureaus as unused, which can dramatically lower your utilization ratio if your cards are maxed out. That alone can help your score move faster than it ever has before.

24:27There's no credit check to apply, 0 % APR, and every on-time payment gets reported to all three major credit bureaus. You can even report your rent payments up to two years back, which matters because payment history is another 35 % of your score. This isn't magic. You still have to stop making dumb decisions. But if your credit score is holding you back and you actually want to fix it, this is a real tool, not a gimmick. Check out super.com at the link in the description below and see how Super Plus can help you start building your credit the right way. Um, I mean, maybe I could cut like a few packs, but I mean.

25:00A few packs. But what we're opening, I mean, like there's new sets coming out every two months, every month. I know, because again, it is, because that's what happens, buddy. That's what happens with any of these packs. These packs where you get a random assortment of things. It always has to come up with new stuff. It's like fast fashion, but for gambling, it has to. That's their business model. That's not an excuse for you to do it, though. Yeah, but how am I not supposed to open the new set? It's the brand new set. You have to get it. See, I don't know how to deal with that. I don't know how to deal with that.

25:30If that's how you want to live your life, good. Go do it. Live with your sister forever. Never be this man that takes care of the house and the stay-at-home wife. Fine. That's your choice. Okay. That's your choice. If you're a very traditional and biblical guy, I have to feel like if you really can't stop this, this goes probably against many teachings in there. Gambling, I don't think they're in favor of gambling in the good book. And this is. I mean, if you think of it with gambling, sure. You have to chase the new packs, buddy. Yeah, I mean, it's the brand new set. Come on. Your guys' community is so intense that they put a tracker under her and Northwest Arkansas's car.

26:10Yeah, I mean, yeah. We're all just trying to get some packs, trying to rip it all. I mean, that's why me and my buddies are doing that. That's why we're always opening together. Yeah, but you told Colton specifically that you feel sad when you're missing out on a good set of cards. Oh, yeah, 100%. You actively feel that in your body. Oh, yeah, you don't want to miss the new set. That is, you have an addiction. I wouldn't go that far. Yes, it does. I'm not meaning you're sitting there smoking. It might not be on that level, but it's like me and fast food. It is like, yes, there is actually something there.

26:36Your body is reacting when you cannot do it. I mean, yeah, but like. Oh, my. Dude. Dude, I mean, you just opened this. You can't tell me that you're not already itching to open more packs. No, because it literally meant nothing to me. I don't know what I was reading. I don't know what is happening. No, trust me. I like my collectible things. I buy tech I do not need. I buy tech I do not need because it is fun. You know, a shiny new Apple product, I don't need it. Yeah, like a shiny new card. This is like the best iPad from the last generation. I'm itching to buy the new one. I never use this thing outside of financial office.

27:08Well, I use mine. There's no reason to. Okay, I hate you. I trade with mine. I look at mine. We do a whole bunch of stuff with them. They sit on my shelf all nice and pretty. I have, like, my, like, prized possessions. How are you getting laid? Show me the picture of this woman. Do you want to see a picture of her? Yes, I need to. She has to be the most disgusting creature ever hatched out of a farm in Arkansas. I'm not dating you. She is amazing. Fantastic. Ten out of ten. Well, show me more. Show me more. Show me more? Hmm. Because she actually might, unfortunately, somehow be attractive. Oh, do you want to?

27:37I was just in the Nutcracker. Oh, Instagram, dude. We were in the Nutcracker together. Look how pretty we are. Yeah, just show me her Instagram so I can just see what she looks like on a normal basis. I don't get to see her Instagram. Why? I want you to follow her. I'm not going to follow her. Why don't I follow her? I'll keep that over there. Well, she is a solid 6.5 to a 7 out of 10. I'm surprised. I wasn't showing you the rear-facing camera. I was showing you my girl. Huh? The rear-facing camera. That's a 6 out of 10 if I'm showing you that. Arkansas is a really developed state with the people they're creating.

28:09aren't they? Me and the 83 people in my town. We're doing great. She does look nerdy so I guess I at least understand this. I at least understand. This is why she's accepting the fact that when she comes over to your sister's place where her boyfriend lives who wants to be a traditional male who takes care of her, good the fuck, has Pokemon cards everywhere instead of actually improving his life in any way whatsoever. I'm a little surprised she's accepting that but she does seem very nerdy. I mean we love him. She loves everything about it. We both. Everything. So how do you manage right now just right now i want a little insight into how you do your finances how are you managing do you budget is there anything um it's all up here really i may not have a brain gentlemen but i have an idea so just kind of like everything that i spend it just kind of comes out of there um i try to keep track of like my spending i mean sometimes it's harder but what how are you keeping track just like anything that i got by like oh like mentally like okay 200 So you're stacking up the numbers on a daily basis in your brain on a reoccurring toll.

29:11Yeah. That gets reset on the first of every month in your brain. Yeah. Try to keep money aside for like, I mean, I got to pay my car. Like, how am I going to get Pokemon cards found out of a car? You know what I mean? So got to make sure that that's paid. Got to make sure that. Yeah. So just kind of keeping track of it all up here. I mean, it's working pretty well so far. How much debt do you have? Up there should tell you, right? How much debt total? Including student loans? That is a debt, moron. Probably about$30 ,000,$40 ,000, something around there. Okay,$56 ,352.09. So clearly that is not working.

29:50Listen, your total incoming, including some eBay, so maybe you did sell something, I don't know, but$4 ,116, what was your total outflow? For what? Last month. For last month. Total inflow was$4 ,116.88,$502.27. So that was eBay. The rest was payroll. What was your total outflow? It's up here. Probably around$3 ,000. Okay. So it's up here filled with. No, not at all. I mean, I got to be close. It was literally$17 ,997.18. I don't know. It's not a perfect system, but I mean, it works for the most part. Dude, come on. Not a perfect... Dude, come on. You can't say that. It's like times... It's almost like times four, times three.

30:41What do you want me to do? Write every little thing that I purchased down? No, you don't even need that. Just any budgeting app. Of course, I'd recommend dollar-wise, but any budgeting app would tell you that. You don't use a up here system. That's not... Okay. Objectively, it is not working. You didn't know how much debt you'd have. You didn't know how much went out. Objectively, it's not working, so it's no longer an option. I was close. So I was only like, what,$1 ,300 off? That's not horrible. Make about$650 a week right now. Just about. No. Wait,$1 ,300? $2 ,300? I don't remember what the number was.

31:14I think$2 ,300 off. No, you said$3. No, no, no. See, up here is not working, buddy. It's$18 ,000. You said$3 ,000. Up here is objectively not working. Up here is broken. And I think I'm starting to pick up on that a little bit. I think, I don't know if, Are you from small town Illinois or are you from Chicago? I'm from Chicago. I did pretty good in math. Something's wrong here, buddy, in this conversation. No. I mean, I was close. It's not too far off. It's working so far. Okay. Then what do you think your financial score is? Zero to ten, zero being horrible, ten being incredible. The best of the best.

31:55I would say I'm probably around seven, right? Not too bad. You don't actually think that. There's no way. Yeah, I mean... Okay, explain it to me. A part of me just doesn't believe you, but just say it to me. I mean, I don't have anything in collections or nothing that's been foreclosed on yet. I think I'm doing pretty good as a whole. So, okay, if you're not literally the worst of the worst of the worst, that means you're three under the best? A three? Under the best, which would be a seven. I'll give you a 6.5. That's low, so I'll go. Dude. Okay, well, I don't know. All right, well, get your Hammer Financial Score at CalebHammer.com.

32:32It is a free assessment to see where you stand, where you're doing poorly, where you're doing great. Take that assessment, just takes a few minutes. Again, CalebHammer.com, and if you don't want to be like a guest who ends up on the show, you can't do it up here. Use the DollarWise budgeting app, DollarWise.app. There's a free trial to see if you like it. It's great, new features being added every single month. It's absolutely awesome. Tens of thousands of people use it on a monthly basis for a reason. And when you sign up for the annual version to save a lot of money, I will personally sign. my budget-friendly cookbook and mail it directly to your house.

33:02DollarWise.app. Both of those links are in the description below. Let's jump in because this is a big stack of paperwork, my guy. This is a big f***ing stack. How'd you get here? For which card? Where were you looking at? Oh, I guess let's start with the Apple card then. Oh, that's my Pokemon card. Everything Pokemon. How do you have a Pokemon card? Because all my Pokemon purchases are on that card. That's how I keep track of them. They're all on that card. Everything that's Pokemon-wise, tap, swipe, face ID. You have a balance on your Pokemon card of$5 ,350.51. Yeah. What the f*** are we doing?

33:42We're just buying, this was what? Oh, this last month, the new set came out. So I had to go. How often does the new set come out? Like every two months. But they're usually like staggered. So that when a new set came out, I had to go big. I was able to hit the Walmarts online and in store, Target online and in store. How much time and effort are you putting towards this when a drop happens? Not much. This is an actual like obsession. We're on drop day probably only like nine hours. Nothing too bad. See, a part of me. Nine hours? Yeah, I dropped that. Dude, a part of me. I listen to this and I'm like, this guy's ridiculous.

34:16But I've met so many ridiculous people four times a week for three and a half years now that it's just like you. this creature, this Pokemon type of creature, this Pokemon hunter who's willing to have a Pokemon card, credit card, actually exists out here. And it's just like, I have a hard time believing it, but it's literally right here. It's in front of me. Yeah. I mean, dude, you had to go big for the next set. Nine hours. Yeah, that was just on one day, though. I know, one day every month or two. And then it's like, I don't know, it takes you like 10 seconds to check out online. Nothing too crazy.

34:49I know, but 900 is just collecting shit. you spent$800 yesterday before your call with Colton you spent$800 yesterday on Pokemon cards because you were bored it was quote because I'm bored from you oh yeah dude what the f*** see that's why I need to get you out of that f*** ass town so that you can have a place where things happen so you're not just sitting there f***ing blowing everything on money because you dude no no no it was the new UPC Charizard on the box shut the f*** up for a second last night while you were in the hotel in Austin in a town where things actually happen. He spent$6.50.

35:23Why did you go out? Buddy, how long does this take to pay off if you don't purchase on it, which you're incapable of because Pokemon's endlessly having more Pokemon and you only make your minimum fee payments, which if you do, I'm honestly impressed. But go ahead. How long does this take to pay off? For that balance, for minimum monthly payment, no purchases, yes. I don't know, probably like two years. 20 years. 20 years? You'll be 43. You'll be 43. Three. Wait, how is this possible? I'm being given a note that you have spent on your top. I was afraid this was going to come up. Again, and this is where it's like, I'm with you right now.

36:00I'm looking at this guy. There's a few people who are like, how is this guy? How is this real? This can't be real. I am with you having this conversation alone. I was afraid to share this number. But then we have it on paper. you spent in your highest spending month for Pokemon $26 ,000 in a singular month. Big guy you bring in 2 ,817 you spent 10 times your income in one month on Pokemon alone dude that was a good month. And you can only sell your entire collection for a couple thousand bucks? Yeah I mean you don't get that hit card every single time but no that was a good month. It was I forgot what set came out that month.

36:38When was this? This was like. Moron When was this possibly? I think this was like two or three sets ago. So I hit everything. I was able to. What month was this? When did you spend this? How were you even able to spend$26 ,000? I have$30 ,000 in credit card debt. I hit online drop. So like Walmart, you're able to get like 12 quantity online. So I was just hitting that. No, no, no. How were you actually able to charge$26 ,000? I have a great credit limit. I think one card has like almost like$14 ,000. I have another car that has really like, it says no present limit. This doesn't add up with your income.

37:12Your income doesn't add up. Yeah, I mean, I buy for some of my buddies. To be able to pay this off. Are you hourly? Because you did bring in more money last month, about$800 more than you said. Okay, so it ranges. For the most part, kind of. No, I mean, mainly I'm working my 40 hours. I mean, there's some weeks where you get a little bit over time. You brought in an extra$800 last month. Either way, that doesn't make up for$26 ,000. I've never heard of something like that. I've never heard of something like that. That is the first time in the history of this show. Dude, it was a good month. 26 ,000 on Pokemon in a singular month when you make 2 ,800 a month?

37:43What the f*** are we talking about? Dude, you should have seen my car after that. It was stacked to the rim. So it was at a single trip. No, I mean, it was multiple Walmarts. What was happening that month for you to go that far down the rabbit hole? Because that is literally like a true gambling addict going to the casino and blowing, well, 10 months of income, which is insane. I was able to find it. We all in these stores. What was so different about that month compared to this? It was a cool set. Okay, how much did he spend last month? I don't know. I think earlier, it was like 4 ,000 hours.

38:11Spring starts at the Home Depot, and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under$300, like the next grill four burner gas grill that's perfect for hosting your spring cookout. Then set the scene and turn your outdoor space into the go-to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot. Start your spring with low prices guaranteed at the Home Depot. Exclusions apply to HomeDepot.com slash price match for details. Ours is actually what he spends on average on a monthly basis on Pokemon, which is insane.

38:46Insane. I've never heard of anything like that. Insane. I mean, that is more, that is literally more than you bring in. So I did not know how that's possible, but I guess it explains why the stack is so big. But what was so different that month? I was just able to find a lot more product. It was a cool set. Were you searching harder? Um, yeah, honestly, I spent. This is going to be like a research piece, ladies and gentlemen, because I don't know if you can stop this. Probably every week was probably spending like close to 12 to 14 hours out just looking for products. All the different stores.

39:15You have Walmart. You've got Target. I'll never let my kids have this. You've got Best Buy. You've got Sam's Club. You've got Costco. You have all of it. When and if I have kids, I will never let them near these type of collectible type things. You can just call me. I can drop some off for them. No, because that's the thing is I don't want them to get that. When did you start getting into Pokemon? I've been to Pokemon since I was a kid. I still have my original binder. That's the thing. You got that f***ing hype. You got that f***ing hype when you were young and impressionable. And gosh, not to use f***ing TikTok language because they used it at 24 like infantilized morons.

39:45But when your brain was actually developing in the most crucial stages as a kid, this is what was impressioning onto you. Yeah, dude. Look how sick these. Come on. Look at how sick these are. You got Scyther. Look at this one. Shiny. You're going to do this again where none of this means anything to me. But it would if you open more. I can drop more packs off at your office for you if that's what you really want. I don't want you to spend more money. I really don't. No, it's all right. I can give you a few more of my packs. Nothing's crazy, but... The fact that those are$15 packs... Yeah, I mean, that's just crazy.

40:11...is insanity. And there was nothing special in there, right? Compared to your normal packs? I mean, they're all special, dude. It's their original$151. What unique? Something you... What did he say? There's... There's... It's a... Don't drop. ...that are harder to find. Anything in there. Out of these ones specifically? Yeah. Not really, but I mean, they're all... It's$15. You'd find these in the normal$5 ones, right? I mean, technically it was 30 because it was two packs. I know, but you'd find these in the normal packs, right? I mean, yeah. But, I mean, I like them. They're all going to go a little good in my binder.

40:39I mean, maybe if I'm trying to master set them, there's probably some cards in here I might need. But if I'm not, then they'll just go in my bulk, and I'll be able to look at them whenever I want.

40:48My mind's actually blown. I just really don't fucking know. I really don't know. This is insane. Okay, so on the Apple card, which is the Pokemon credit card, I guess. $5 ,350.51 with a minimum payment of$145. No purchasing, minimum payments only. Still takes 20 years to pay off. So when I see Walmart, that's not groceries. That's Pokemon. I mean, there's probably some groceries in there because I like to use Walmart Plus to order my groceries, but majority of it will probably be Pokemon. Anything that's over like 50 bucks will probably be Pokemon. So anything under 50 is probably groceries or anything over 50 is Pokemon?

41:27Yeah, probably. I get myself about like Pokemon 200 bucks Pokemon Pokemon Pokemon Pokemon Pokemon going in a gas station getting some bullshit what are you getting for like six bucks at a gas station ah probably Red Bull

41:45you're okay maybe two for that day who knows dude just listen at least it's a simple start make your energy drinks at home gamer subs trust me everyone in the audience has been commenting now now that they've actually tried them it's literally is this you on the pack Yeah, yep, that's me. That is literally better than like any other energy drink, even when we did a blind taste test that showed it. So just make your energy drink at home. It's like 35 cents a serving. Link in the description below where you get a discount where you can get the free samples and see what flavors you like before you order the bulk sets.

42:16But make your energy drinks at home, Gamer Supps. It's seriously really good. No more stopping in Casey's and getting Red Bulls. This is not an option. Make it at home for 35 cents. Do you see any of my webmack charges on there? Huh? My whatnot charges. Do you know what that is? It's probably where you got your Lububu, right? I don't see it. The Lububu, I think, was... Oh, no, I did get it for a stream once. Yeah, no, I got my whatnot charges. I don't know what whatnot. I don't see whatnot. Oh, dude, it's great. But what is it for? You got to get on whatnot, dude. So you can go on there. There's a whatnot on the next page.

42:44What's the whatnot? You can go on there, dude. Oh, it is great. You can have people rip packs for you online, dude. So you go, you bid on them. Isn't the whole fun that you rip packs? Yeah, but sometimes you can't... Like, sometimes what if I don't, like, have that specific pack and I want to rip it? Then you go on Whatnot, you find someone who's selling it. And he'll mail you the cards? Only the hits. So, like, any of, like, this, he'll, like, won't mail you. Why? I don't know. You said every card was special, though. Yeah, but for them, it just costs shipping and all that. So, unless you get a hit, they just are like, all right, we'll keep your bulk.

43:11And that's kind of what you agree to whenever you pay for it, you know? What does that cost? Moron. Whatnot. How much? Well, I can tell you. Okay, what did you get for this Whatnot charge of? four to go. I saw Whatnot.

43:31Oh, did I not? Maybe I did. I swear I did. I mean, sometimes you get ones where it's like, oh, I'm buying this pack for like 20 bucks a pack. Or sometimes you can do like a rip till you hit type thing. You bid against other people. So if like I've spent like 70 bucks before on like a rip till you hit and then like they'll just send me. Okay, Whatnot here? 196. 196? Oh, yeah. So that one was probably like a rip till you hit of like one of the newer sets. So he just ripped probably like a bunch of packs for me until I hit something good. Buddy, that's insane. And you're telling me this is not gambling.

44:04No. After that. I mean, that's not gambling. It's not like I'm like. Dude, the Bible has to be against this. I mean, if you consider it like gambling, sure. But I mean, I don't. It's just fun. I mean, I don't know who to consult. I don't have like a pastor on speed dial. I mean, I don't consider it gambling. It's not, I mean, I know what I'm paying for. I'm paying for cards. Gambling is like a risk. Like, oh, I'm putting$10 in. I can maybe get 20. But like, no, this one I'm like, oh, I'm paying 20 bucks. I know that I'm getting cards.

44:36You came for the finances. But what if you could have more? Welcome to Hammer Elite YouTube's number one membership. Get even more exclusive members audits. Your time, 100%. Yeah, but juicy post shows you were doing this behind his back one of them I've actually never seen this photo Spicy audit breakdowns. We still don't film with people like that like he's a next level audit updates. I'm seeing a therapist now We're both behind-the-scenes moments And budget buddy surprises and for this month only you can get all of this for free join with the link in the pinned comment or description below submit proof of purchase at hammer elite.com and we will reimburse you for your first month with a ten dollars digital gift card that can be spent anywhere in most countries you have no idea what you're in for you know what your savings account at a traditional bank is doing for you?

45:44Absolutely nothing. It's basically a storage unit with worse rent. That is why I partnered with Chime, who is offering up to a$350 bonus right now. Their high-yield savings account earns up to 3.5 % APY, which is over eight times the national average. Let me make this real. $10 ,000 in your old regular savings account, maybe just 40 bucks in interest a year. With Chime, you're looking at around$350. That is a weekend trip or like six tanks of gas. And there's no monthly fees, no minimum balance fees, and you can access your money whenever, which is great because I'm using mine to build an emergency fund and I'd rather not have to solve a riddle to touch it.

46:19It just takes a few minutes to sign up and with automatic savings tools like roundups and direct deposit splits it's like a set it and forget it money move oh and chime lets you get your paycheck up to two days early so your bank's dragging its feet but chime has already moved on but the best part right now you can get up to 350 dollars with a new chime account when you sign up at chime.com slash caleb the new year is right around the corner so get it done before then you can scan the qr code on screen or go to the link below or chime.com slash caleb let's get to the show it's not like i'm all let me buy this pack and i could out of this pack there's a hundred bill with it.

47:07Pokemon. Some Red Bulls. Again, gamer substitute. 35 cents a serving or whatever it is. It's right around there. Make it at home just like coffee. Starbucks, make your coffee at home, moron! Actually, well, I do make my coffee at home. I love my coffee beans. I'd be spending money at Starbucks. The worst coffee there ever is. Well, what day was it? And ever was. I don't care. That's probably a day where I was out searching for Pokemon. I mean, there's... Die, die, die. There's Starbucks and Target. Apple Bill. There's Starbucks and Target. Pokemon. Apple bill Red Bulls Apple what are these Apple bills like 961 you're like Apple paying or something probably Apple bill yeah it just it just comes up as like a payment on Apple what not start taking Apple pay so you can just Apple pay on there now

47:54I don't think this is audience I'm just gonna let you know I don't think this is infexible he's obviously way too deep into this this is gonna be this is like this is like a research into the mind of a Pokemon literal addict at this point. Just send this to anyone who might be getting into cards and shit, and here's the example. Okay, so what not? Red Bull, what not? Pokemon, Pokemon, Starbucks again. Yeah, that's probably another Pokemon day. The Pokegang. Oh, yeah, that's the Discord I'm in. So you can like... $36? Yeah, so you can pay to be part of a Discord, and they'll send you links to like, oh, hey, this just dropped at this time.

48:35Like, then you go and you can click the link. You're too deep. You're too deep. Again, if anyone thought this is not a real conversation, their purchases, they happened on paper. So should I not be paying them or? What? I mean, like. The Discord? Yeah, I mean. No, of course not. But I don't think that changes anything for you. I really don't. So it's just like, there's no point in me saying that. Going in and getting some bullshit. Uber won. Getting some Red Bulls. Uber Eats for 20 bucks. Great. Pokey Notify? Oh, that's a different group I'm in. They send quicker links than the other one. Why pay for the other one?

49:12Because the one group, they send pretty quick, but the other one is a good community. I've been in there for a few months, and I know a lot of people in there, so it's just nice to have a good community like that.

49:27This is why I didn't want to hand you this card earlier.

49:33You spend$9 on that. Reoccurring, of course. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. I mean, I wasn't lying. It's my Pokemon. What not? Spotify? Oh, yeah. Insurance? $8 insurance? Is it for your collection? I don't know. No, they actually can't get your collection insured by most major insurance agencies. I found that the hard way. What? What? They didn't, like, I've been denied by, like, four to protect my collection. You've actually asked. Yeah. But you said it's only worth four. I didn't say that. My whole collection has a whole. If you sell it. Well, yeah, if you take the percentage.

50:09But, like, my whole collection. Well, yeah, isn't that what it's worth, then? Yeah, I mean, if I individually sold each card to someone different, then I'd get full price. Fine, full price, what would you get, asshole? With my sealed collection, too, probably about, like, nine, ten grand. You still spent 26 just a few months ago in one month. On this, it's thousands. $2 ,827 on Pokemon on this card last month. Yeah, it's a Pokemon card. You are a horrendous creature. I don't want to go that far. Red Bulls, Pokemon, Starbucks, whatnot, eBay. Pokemon, I assume. The Pokemon company for$308. Yeah, I mean, dude, they released like special ETVs through the Pokemon.

50:54What's an ETV? I'm just warning at this point. It's like a cool box. It's an Elite Trainer box, so it comes with, like, nine packs. It comes with, like, a specialized card. There's, like, a special stamp on it, so. Oh, this company is genius. Oh, it just milks people, morons, people who can't control themselves and have that itch and literally have bodily reactions when they don't purchase. Oh, yeah, I missed a drop the other day. I was actually kind of upset about it. Yes, I bet. Dude, it's for the new set that's coming out. It's coming out? It's not even out? No, you can, yeah, that's a pre-order charge.

51:29Oh, big guy. Oh, you're done. You're done. What's Boulevard? BLVD. How much was it for? $41.20. No clue. Pokemon. PLT Pay Web. $22.54. Oh, I know what that is. What? It's for Pokecoins for Pokemon Go. Dude, I'm deep in the Pokemon. Come on. You got to get the Pokemon coins, dude. How do you expect me to do remote raids without Pokemon coins? You can't.

52:20I don't even know what to say right now. Mon-mon-min-store. I don't know what that is. Mon-in-store. 4140. It's a shit ton of money for your income. Klarna, are you Klarna-ing Pokemons? Uh, no. So you're paying a Klarna payment on your credit card. So you're paying debt with a debt. Yeah, probably. Best Buy? Pokemon. $72. Yeah. That's the only reason people go to a Best Buy anymore is for Pokemon. Another insurance payment of$22. Who even knows for this one? Microsoft Ultimate. Pokemon. What not? Through Apple. Pokemon. Uber Eats again. Drip Shop Live? $14.99? Think of whatnot, but like the ghetto version.

53:03That's drip. How can there be a ghetto version? What is it even like? Their app's just uglier. Why use it? I mean, because you can get Pokemon cards on there. Are your Uber Eats Pokemon cards? No, that'd be sick. If I could sit at home and just have someone do the shopping for me. Probably. Not really. Actually, no, you can't. No, you definitely cannot. Please, no. No, Uber Eats is just hungry. What, not through Apple? and energy drinks. Yep. Okay, interest is accruing at about$100 a month just for you to sit here and keep going crazy on poker. I don't even, this is mind-blowing. Like, I'm not even able to, like, freak out like I normally would.

53:50Like, my body doesn't have that ability right now because I'm honestly just mind-blown. Give me your phone. Open your phone and give it to me now. What do you want my phone for? Open your phone and give it to me now. Here you go, sir. Are you going to smash that like the paper? Oh, we got a verse of the day. Please tell me it has something to do with gambling.

54:09Through every kind of prayer and supplication. I think I know supplication. Pray at all times in spirit, and so be vigilant with every kind of... Of...

54:27of earnest supplication. What the f*** is a supplication? I was hoping I had to do something with... I was hoping I could weaponize it against you. But it just told you to pray more. I think all of us could use that a little bit more. Well, you more than most. That's for sure. Because you're a literal addict. That wouldn't go that far. No, no, no. You are. You just are. No. iCloud Plus, that's fine. Collector. TCG collector app for$7.99 a month. What is this? Oh, that's where I track all of my Pokemon cards. But you got to pay a monthly fee to be able to put them all in there. What are we doing?

55:04If you pay the monthly fee, you can actually scan the card and it'll just put it right in there. It stopped just recently, but you paid for flight radar. Yeah, I love tracking flights. And a Bible chat. Which one? Bible chat. Haven. Oh, yeah, the Haven app. It's a great app. It's a chat? No, it's a, I don't know why it comes up as chat. Oh, wait, no, Haven? Oh, yeah, no, that's like, I don't know, that was some weird, like, they tried to do chat GPT meets the Bible, and it was just like, no. Okay. I don't like AI. Okay, good. Let's open it. Because, again, this is for you. Am I still paying on it?

55:42Log in, big guy. Log in. I got to go down to your f***ing language if we're going to f***ing solve this in any way. Yeah, well, I can probably don't have to pay for it just to use it. It'll like be like. Oh, it's trying to make me go through like the whole thing again. Yeah, yeah, yeah, yeah. Go through it then. Go quick. Zoom, zoom, zoom, zoom, zoom. Easy, easy. Go. Zoom. While you do, I'll take down this. We got American Airlines Advantage Card. Keep filling it out. Dude, it's just. Keep going. I'm trying. It's trying to tell me its whole life. A little tip. Keep going.

56:18$2 ,294.47 on here.

56:23$40.56 is your minimum fee payment. It takes 13 years to pay off. Interest is accruing. You purchased$6.60,$48, even though you only made the minimum fee payment. So we're making purchases on a car that we can't afford to pay off that is accruing. Yeah, my car broke down. Which is why you went to Chipotle. Well, I mean, I'm talking about the$6.60. Yeah, but I'm talking about Chipotle. Well, I mean, yeah, I love Chipotle. There's also the fact that you've had late fees. It's like crazy this year. Is it done yet? No, it's asking me like 20 questions. Answer!

57:01$187.75 a late fee. What's the biggest challenge you're dealing with in life right now? Caleb Hammer. No, give that to me. Give that to me now. Give it to me. What do you mean? That's my biggest challenge currently. I spend at minimum 50 % of my income on Pokemon cards. and even though I only bring in about 3 ,000 hours a month, earlier this year I spent$28 ,000 in one month on Pokemon cards alone and usually spend 4 ,000 hours a month. Did I get all that? Yes. Keep going.

57:35I'm still asking. So I guess this is also a date night card, huh? Yeah, it is. That's usually where... They're just blowing their shit ton of money endlessly. There's just interest in fees. Day night, coffee beans, things like that. Okay, beans. You should be able to cash. You live with your sister. Does she charge rent? No. Okay, you degenerate, you stupid piece of shit. Sorry. I don't know. Buy the beans! Yeah, no, I am. That's why they're on the card. I bought them. They're on the card. Buy it with... I don't have a debit card. You don't have a debit card? I don't. I mean, it's somewhere, but if you look at my bank statement, I haven't used my debit card in years.

58:17And out there first. Oh, my gosh. Big guy, I'll let you use the FizCard. It's a debit card that builds credit. And if nursing doesn't work out, I'll get you a course career certification as well for free. You can take whatever one you want. You can go into tech. You can go into the trades with those. A lot of people in the audience use them to increase their income. So I'll hook you up with those, but not using a debit card is wild work. Is it ready? It's just analyzing your response. It's not - you gave it too much. Well, cuz you're a degenerate piece of f***ing shit. Hopefully the Bible app tells you that itself.

58:53Mmm, yeah, it just wanted me to pay right away. Give it to me. Give it to me now! You're gonna make me pay? No, let me look at it. Oh, that's cool music. We're not getting copyright. Alright, that's why I turned my volume down. Why'd you throw at me? No, it was only 27 bucks at Chipotle. Hey, you're gonna take the trial and cancel it. cancel it cancel it right when we're done. We'll see if I remember that. No, right when we're done I'll remember it you cunt. We'll see. Maybe I'll start using it. Maybe I'll like it more. Hey, hey, hey, hey. Hey, dude, it's loading. What do you want me to do? Are you enjoying Haven so far?

59:23That's mean. It's a rough app. There goes your sponsorship. I bring in$3 ,000 a month but spend$4 ,000 a month on average on Pokemon cards. Period. I get a thrill from chasing the new collections. period. I also pay for a lot of services to get.

59:47Notifications for new packs of Pokemon cards, period. I love my collection, period. I get very sad and feel bad when I do get... not get a new collection, period. I've even spent$26 ,000 in one month this year alone on Pokemon cards, period. Is this against the Bible? let's see what the bible says we're talking to the bible says don't listen to caleb hammer he is short that's crazy i don't know why it said that but six three oh well you are tall give give i'll read it back to you give give give you i want to see what it says it sounds like you're really passionate about collecting pokemon cards fucking always has to set you up with the stupid AI bullshit.

1:00:46And it brings you a lot of excitement. However, I want to gently ask, are you feeling like this hobby is taking over your life and your finances? I mean, no. The Bible teaches us to be good stewards of the resources in 1 Timothy 6.10. It says, for the love of money is the root of all kinds of evil. I don't love money. Oh, for f***s sake. I want to encourage you to reflect. Why is he not just telling me no? I told you the app was weird. For where? Okay, okay. hey, listen, I'm just going down to his level. He's a big Bible guy. Matthew 6, 21, it says, Jesus says, for where your treasure is, there your heart will be also.

1:01:23Where's your heart? Is it on your collection? Clearly through your behavior. I mean, maybe. There you go, you f***er. I wouldn't say it's exactly calling me out. It called you a piece of shit degenerate who should probably just... I didn't know. Are you the Bible or is that? Because I think you're calling me out. I don't know. I don't think it fully called me out. Dude, come on. It goes to get, if you really value that shit, it's literally telling you you're a piece of dick. It's telling you you're f***ing up and you're not following your rules. I wouldn't go that far, but, I mean, if you think so, I mean, it's different, but.

1:01:57And this is why I really have no hope here. Discover it. What's going on? Oh, discover it. Um, that one, I'm not sure what's going on with that one. $1 ,963.89 Purchasing, only making the Minimumty Payment, interest is accruing, takes 8 years To pay off you $30 Minimumty Payments, you actually did Less than that last time, but the balance has gone up So, credit score is 648 Oh, I need, oh that Amazon, Amazon, Amazon, Amazon, Venmo, Amazon Open up your phone again Open it up I don't know if I want to Open it! Are you going to be upset when it's just Pokemon cards? Are you going to be upset when it's just Pokemon cards?

1:02:37I'm not going to be surprised when it's Pokeball cards. Five things are in the cart. Oh, yes. I got to buy gifts for people. Okay, really gay ballpoint pens, I'm just going to say. Also, really gay fuzzy socks for women. I hope that this comes out after these gifts are given. Because they're gifts, but that's all right. Jewelry making clamps, aluminum wire, and lip repair ointment. They're gifts. You think I'm making jewelry? Trying to make that sloppy sloppy a little less grindy grindy. Have you been to Arkansas? It's dry. Are you? Dry.

1:03:16Like one sit. Okay. Are you allowed to get the sloppy sloppy? You guys. You guys don't. That's not where I. That's not where my heart lies. Oh, you guys don't fuck. You've never had a sex. A sex? With her? You've never had a sex with her? That's not where my heart lies. Which is. No. You've never had a glucky glocky? That's not where my heart lies. Whoa. You ever touched a tit? You offering? Or what are we saying right here? Well, of course. Sure, mine are great. But have you never touched a boob? That's... So you'll follow the Bible when it comes to that, but not when it comes to your literal addiction and your behavior.

1:03:53I mean, if you think... Wait, are you serious? You've never touched a boob? I mean, I wouldn't go that far. Have you ever seen her boobs? I don't know. You guys ever traded nudes? No. What am I? What am I, a child? No. Oh. Have you ever pleasured her? It's not for my place to say. Well, yes it is. No. She ever pleasured you? That's not where my heart lies, man. Whoa, this is wild. Why not just also stop the gambling and then if you're going to follow all that. I mean, if you think of it as gambling, maybe. It is, it is. It's not, but I know what I'm buying. It's not like I'm putting$10 down. You don't know what you're buying.

1:04:30No, it's not like I'm going to expect like, oh, I'm going to pull a$100 bill out of this pack. Dude. Okay. Got some towels. Got some... I don't know what the... I think it's like a drink carrier, but it also carries a lot of other shit. I'm just giving away all the gifts I'm supposed to be giving. A heat lamp for a candle. I don't know if you can't afford gifts, I'll be honest. Lots of bubbles for your trees. Toothbrush heads. Naked, bottomless. Portafilter. Get your mind out of the gutter. Do you know what a portafilter is? That's for my coffee. It's more of my espresso machine. That's where most of that discover came from is my espresso setup.

1:05:09If you do anal, I'm still a virgin. I feel like you're offering me something I don't want here, sir. No, just stick it in her butt. I don't feel safe. Cat food. I have a kitten. You want to see her? No. So I have to look at your dumbest movement all day? You don't want to see my cat? Is that your dog? Just don't look, dude. Dead dog. Starbucks is bullshit and a waste of money and you already know that by making your coffee at home and invest in 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 GamerSubs.

1:05:59Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it, or 10 % off your order at gamersubs.gg, or click that link in the description below. Type in code Kaleb. Wanna know a dirty little secret? And no, I'm not starting an only f***ing. You're not broke because you s***. So good, so good, so good. Springstyles are at Nordstrom Rack stores now, and they're up to 60 % off. Stock up and save on Rag & Bone, Madewell, Vince, All Saints, and more of your favorites. How did I not know Rack has Adidas? Why do we Rack? For the hottest deals. Just so many good brands.

1:06:37Join the Nordic Club to unlock exclusive discounts, shop new arrivals first, and more. Plus, buy online and pick up at your favorite Rack store for free. Great brands, great prices. That's why you Rack. Sacked with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get just to try it for free, plus three months for just$9.99.

1:07:15So you can finally take control and see what your money's been doing behind your back. Click below to get started. Hardboard, cat, scratch, lots of cat shit. Lots of clothes, vacuum, lots of spray for stuff, some slippers, some genuine slippers. Oh, you can share those one. She already got those gifts. Fuzzy socks for women. Give her the gift of nut. Like almond or what are we talking about? Oral. Is that like oral mouthwash or what are we talking about here? You might want to use some mouthwash before you go down, yeah. Maybe a little after as well. What are we talking about? Big guy. Just blows my mind.

1:07:51The people that don't have sex, I just, I can't resonate with it. I just really can't. Oh, look at that hard pillow. Isn't that cool? No Pokemon, but it's pretty much all bullshit. With a little bit of cat stuff. Oh, your espresso setup's like a thousand bucks. Yeah, I got a nice espresso machine at home. I got the machine, the grinder, the bottom of the board, the filter. People like you usually do use grinder. I mean, I'm pretty sure my buddy told me they saw you there on there last night, so I don't know about that. One, no. My girlfriend would be very disappointed. Two, your buddy's here in Austin?

1:08:20Maybe. Maybe, I don't know, you had a conversation before this, so maybe I'd put you on my Mount Rushmore. Lore for people in the back. Huh? We were discussing our, like, gay Mount Rushmore. I'd put you right there with a little Pokemon card in your hand. That's like the people you aspire to? No, just would put you up there. Little Pokemon card in your hand. Why are you putting me on your gay board? I mean, it fits you. Girlfriend at home. Come on. You're calling me out for fuzzy socks but come on You're the one that's trying to offer me They were just like the trans colors dude So they were kind of gay I mean everyone wants some fluffy socks I'm not criticizing fluffy socks You're just getting trans socks Trans?

1:09:07So they identify as shoes or what are we talking about? That's a good one $1 ,636.53 On this platinum card Minimum of the payment,$40. Oh, for fuck's sake. No, wait, what? New pay... Wait, you made a huge payment, but then you purchased$10 ,255. What is happening on this? That was probably the other one. So, like, between the Pokemon... How'd you even have$8 ,000 to put towards it? Probably that's the difference between, like, the Apple one was my main Pokemon, and that was my other one, my other big spender for that Pokemon one. This doesn't make any... Nothing here makes sense. You went to Andy's frozen custard.

1:09:47That's great. and got some bullshit. Got some Red Bull, Coffee Lab, Kung Fu Tea, Charlotte Taqueria. You always got to get some boba tea. Oh, more Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Chipotle, Sonic, Pokemon Coffee, Anx Coffee Lab, Charlotte Taqueria. Got some good Mexican food up in NWA. Yes, that's what Arkansas is known for. It is. And Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Starbucks, Pokemon, coffee, Amazon. Petco, that's fine. Unless you're just getting bullshit there, which half of it is bullshit, if we're being honest. Amazon, Pokemon. Depending on how much it was.

1:10:41Galatizmo? Oh, gelato. You're close. You spent so much on bullshit. This is crazy. Starbucks, make it a home, moron Sonic, Andy's frozen custard again Here we go! Here we go! Pokemon, Pokemon, Pokemon Pokemon, Pokemon, Pokemon Amazon Pokemon, Chick-fil-A Pokemon, Pokemon, Pokemon, Pokemon Sonic driving, Starbucks, Pokemon Kava Oh, dude, do you have Kava down here? Oh, Kava, yeah, yeah, yeah, yeah It's so good. It's a huge chain, it's a Poli and Mediterranean. We get it. It's great. Pokemon! This is insanity. Pokemon! Chinese restaurant. Barnes and Noble. Probably Pokemon, right? Yeah. They started carrying Pokemon recently.

1:11:32They want to stay in business. Wendy's Boba Journey. Pokemon! Faux Kitchen and Grill. Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon! Pokemon, Pokemon, Pokemon, Pokemon. Taco Bell, McDonald's. Pokemon, Pokemon, Pokemon, Pokemon, Pokemon. Sonic Drive-In. I'm sensing a theme here. Firm. Firm. $22.07. Oh, that's a good kombucha place. Yeah. Dude, you live like you make$150 ,000. You don't like kombucha? Is that what I said? No. I don't know. Uber Eats. Pokemon. there's gelato Pokemon Wendy's Kava Pokemon dude fees of$326 this year so far in this alone what the f*** are we doing this is insane there is no hope here I'm just going to let you know just going to let you know out of the gate I'm just going through it you're an example episode you're an example episode at this point there's nothing the amount you spent on Pokemon I mean last month that has to be about that$4 ,000 now With both the first card and that card combined, you spend double what you make.

1:12:46I mean, yeah. 30 % more than what you make, at least. So 50 % more. So far, I'm Pokemon. And now I'm not surprised when I saw that. What was that? $18 ,000 that you spent? Fucking insane. Sapphire Preferred. What's going on? That was when my car broke down. So that's where most of that balance comes from. What happened to your car? Rear brake calipers seized up. So I had to get those replaced. I should have kept going because if you die, you don't have to worry about this. And then in the same month, fuel pump went out. And then I also need an oil change. And then I also... Okay,$962.63. Yeah, purchasing only the monthly payment.

1:13:23Intros accruing. Minor monthly payment is$88.50.

1:13:30Moron. Is it car repairs? No. I'll tell you. It's planned fees for Pokemon, Pokemon, Lululemon, getting her some booty pants. One of the cards is for a - Pokemon, Red Bull, Red Bull. Fees, interest, like insanity, like crazy, like f*** you, like you're done. You're done! I don't think I'm that far. Buddy. Okay, Amazon card. One of these has car repairs. I don't know where it is. It's somewhere hidden in there. Insane. Okay,$909.19, minimum of the payment$106. $12.

1:14:13Amazon, Outback, Amazon, PetSmart, plan fees, plan fees. Fees and interest, just insane, beyond insane. This is the corner? I think so. AT &T, I guess it's your phone? Yeah. Talentless? Yeah. That's a great clothing brand. I needed new shirts for work, so I needed something that was going to hold up. You're a f***ing degenerate. You're a f***ing degenerate piece of... First time I've been called that. Congrats. You want a little trophy? I can get you a pack of Pokemon cards. Yeah, cope harder, dude. $611.23 is owed on here. Minimum monthly... $4369, I think. Yeah, I mean, I told you they're right there.

1:15:04That's the next seven days. Do in November, actually. So minimum fee payment is$86.95. Oi, oi, dude. Oi, f*** it. Oi, what's this? Farna? No, I think that's a firm. Was the other one Klarna? Yeah. Okay, so the first one was Klarna. Pokény? What's that? Pokény? Oh, yeah, Pokény. That's a Pokemon shop. So you are affirming Pokemon. Yeah, that was early on. And then you're paying your affirm on your credit card. Yeah, that was early on. You're f***ing degenerate, dude. And I can't believe that I didn't say, yeah, hey, you're a f***ing, yeah. That was for like a whole Japanese collection. You can't get those out here on shelves.

1:15:48Oh, great. I really give a s***. It's destroying your life. It's destroying your entire f***ing life, dude. You owe$818.95 on here. This is insane. $47. $47.46 plus that$13.58. $61.04 is your minimum, I guess. This is just crazy. There's so much more. There's so much more. Okay, American Express Green Card. I've never even heard of the Green Card. What's going on? Maybe that was my... I don't know. I don't know. You purchased$879 on it plus more. I think it's probably going to be Pokemon if I had to take a wild guess. Dude, what is wrong with you? You're insane. You're insane. You're insane. You owe$743.30.

1:16:38The minimum monthly payment of$89.40. Yeah, so what are we even doing? Let's see. Yeah, and this will take 18 months to pay off. Sephora, Pokemon, Peacock, Red Bulls, Pokemon, Audible, Kava, Pokemon, for 548 dollars of Pokemon right there. I didn't even know I was still paying for Audible. I'm paying for Audible. Do you have a book I can get on Audible?

1:17:15I just don't know, man. I just don't know. It's not that bad. How can you even say that? I don't even know. Because there's no reasonable response. It's just like, how could you even say it's not that bad? But it's been thousands of dollars thousands more than you make on pokemon last month alone hundreds of dollars of fees hundreds of dollars of interest if not thousands at this point it's like where is there hope where is there anything there's no semblance of behavior change good luck what could i fix here i would just i just need to say no more pokemon but that's not possible for you this is real life and you're obliterating it you're destroying it you're killing yourself synchrony 301 dollars and 69 cents with a Minimum monthly payment of$57.26.

1:17:59Eight months to pay off minimum monthly payments only. It's Amazon and Amazon. And yeah, I mean, that makes sense. It's the Amazon card. And Amazon, fees, interest, 30%. Yeah, I bought stuff from my cat. Destroyed, horrendous, stupid. Yeah, I bought some stuff from my cat. Yeah, vacuum as well, asshole. Yeah, I mean, you have to vacuum off the lid. You didn't have a vacuum. Not one that worked. Bullshit. You could have got a cheaper vacuum too. Delta Sky Miles Gold Card. Why don't you just pay this off? Just like a couple of those f***ing packs and it's paid off. $70 is sold on it. Yeah, I could probably pay that off.

1:18:36And then you don't, asshole. $70.02 with a minimum payment of$40. Two months. Two months and it's paid. Interest, fees, chaos, stupid. Target card, but it's on your Experian. Why? Why do you even know this card existed? No, I didn't. I forgot about it, honestly. What? Yeah, apparently I got like 70 bucks on it, so I got to go pay that off or something. Dude. I don't even get it. I don't understand. I think I got it because you get free shipping if you buy Pokemon cards on it. You are insane. What, you want me to pay for shipping? I don't want you to pay for Pokemon at all when you can't afford to literally live.

1:19:19You moved in with your sister so that you can further your collection. You understand that, right? I mean, yeah, but it's all right. I mean, I got a pretty good collection so far. I should have brought cooler cards. You have tattoos. That's against the Bible. So you're very picking and choosing. Yes, it's heavily against the Bible. You actually haven't read your Bible, so that's old Levitical law. This one, I think you buried my phone. That's old Levitical law. Old law in the Bible. It is. How do you use this then? Let's see. Here you go, buddy. Here you go. Is it against the Bible for me to get tattoos?

1:19:56Question mark. Do you not have tattoos? No. You should get a nice little Pokemon one after this. That's just because I'm just nervous and needles though. Nor pray any marks upon you. So, yep, it's against the Bible. It's actually not. It's old Levitical law to where they would actually like gash themselves and then put ink into themselves. They always try to find a cope when they do something that's clearly against it. You can't have saltfish either, by the way, or pork. Yeah, that's old Levitical law. You have different laws. You have ceremonial. The ones we choose and pick, yeah. No, you have ceremonial.

1:20:27You have moral laws, which is like why we don't kill each other. And then you have laws that like. That's why you don't kill someone? Because the book told you? I do it because we shouldn't kill people. Yeah, but those morals actually come from the book itself. Because back then, that's why the city of, I don't know, Babel was destroyed. Because of how horrible they got through. You are breaking your laws. I am not. I can show you my cross tattoo, too. Oh, yeah, let me see something else you're picking and choosing. But he won't.

1:20:59Really? This is so silly. Just follow it or don't, dude. I don't give a f***. $1 ,526.23 on Upstart. What's this for? 70%. Yeah, that's when I was having issues with my job. What issues? What? So at the old job I was at, they didn't pay us for any time. either was inclement weather or any inclement weather or any time that we had breaks. So from November until February, I didn't receive a full paycheck during that whole time. I'm confused. I have two balances. Oh, upstart and upgrade. They're different. What's your minimum payment on upstart? At the 17 % interest rate. I don't know. Probably like 60.

1:21:44Okay. Are you just guessing? Or are you lying? because that's against the rules, too. I don't know off the top of my head, but I know that. Okay, upgrade. What's this for? I think that's when I moved out to Arkansas. For f***s sake. Was it that much of an emergency to move to a town where no one lives? No, I just ran out. Why? I had some saved, but there's some expenses. I didn't. You just said you did, asshole. I said I ran out of, like, money because I had some saved. Why did you have to do the move until you saved up? Because I thought I had enough. You didn't, so stop. Yeah, but I didn't know that until I got out there.

1:22:18I had three grand saved and it went gone. I'm so confused. I moved from Michigan, which is right next to Illinois, to Austin, which is further. I spent a thousand? I spent hundreds. What the f*** are you doing? Why'd you have a U-Haul? Just pack up your car. You think I'm going to fit a mattress on top of a car? No, but you sleep on an air mattress. Sleep on an air mattress forever? That's what I did for like six months. No, you save up, buddy. If you're trying to start a new life somewhere. Why would I leave like a good mattress at home? Because you obviously couldn't afford this. That would be the answer.

1:22:52Yeah, but then you come down here and then buy a new mattress? No, an air mattress. No, I got to sleep on an air mattress. Oh my gosh. I want to have a perfectly good one. And that's the thing. Because you had to spend money to get it there, that would have been more than an air mattress. Obviously, you just can't afford anything and everything you're willing to. And you're not willing to take any sacrifices. Just straight up. You're just not. 20 % interest rate on this. Minimum fee payment,$66.89. Oh, that's the$60. I don't know what the other one is then. Oh, f***. Oh, who knows? Who knows? Okay, what is this?

1:23:27PNC, auto, auto, auto loan. That's my car. What's the interest rate on your car? I think I got it down to like around like 12%. Down to 12 %? For sake. I mean, yeah, I bought it. What's your car? It's a 2015 Buick Verano. Okay. Okay, of which you owe$7 ,802, only down$2 ,000 from the original. So that's not great. And a 12 % interest rate of death and insanity. And phew, minimum to payment of 217 for your income. Okay, I guess. Our Edmonds appraisal, which is the most accurate appraisal online, by the way. So that's what we use instead of any other. Trade-in, we got$2 ,890 or private party sale of$4 ,297.

1:24:14Yeah, I bought it for too much in Illinois. Yeah.

1:24:20Okay. So you're... Listen, buddy, and I don't know how much this is going to help, but I'm going to put you through our Master Your Money series. That's what many people out there have signed up for, and there's a community to engage with, and you got all the classes and all classes we ever make for it and the premium version of the DollarWise. so we'll put you through the Master Your Money program it's the program that's gotten a lot of people out of debt and a lot of people on the right investing journey and real estate journey but obviously what you need to do is not get Pokemon which I don't think you're capable of oh is this student loans?

1:24:56yeah what's your student loan total? I think we're up to around 30 grand $29 ,799 for what? For three-fourths of a degree. What were you going for? I was going to be a therapist for kids with autism. Well, okay, if it's therapists, can't you... There's a decent amount of credits you can transfer over, right? Especially gen eds. Yeah, over to, like, nursing now? Yeah. What's your minimum monthly payment? You're not in school yet, so you should have a minimum. Yeah, it's$2.11. So, right, it's not in, like, the$300s, but... Okay, yeah, that sounds about right. And then you didn't even get a degree, and you're not even doing anything, and...

1:25:36Yeah, you won't be making the payments when you're in school, which I bet you're celebrating, but this is just moronic in every way whatsoever. Oh, my gosh. What's this all? This is stupid. Oh, wait. No, this is different. Hold on. Wait. And then Sally Mae? Yeah. What's this for? That's student loans. Separate. Yeah. Well, yeah, it's like private. Got private stupid Sally Mae. $694 is all it is. Yeah. I would just kill it. Yeah, it's not bad. What's the minimum? Is there? Yeah, it's like 50 bucks. Jeez, dude. Well, yeah, but the interest rate are typically horrible on these. I got a lower one on that one.

1:26:14I don't know how. What's lower to you? Eight? Yeah, right around there. Yeah, it's still horrible. You're not beating it in the market is the thing. Okay, checking account ended with 585. Oh, that's just... Sending money back and forth. Yeah, I don't really use my actual... Cloranon! Disney Plus wants to know, are you ready? Yeah! For Marvel Studios, Thunderbolts The New Avengers, now streaming on Disney+. Let's do this. One of the best Marvel movies of all time is now streaming on Disney+. Hey, you weren't listening to me. I said, Thunderbolts The New Avengers is now streaming on Disney+. Meet the New Avengers.

1:26:57That's cool, man. Marvel Studios, Thunderbolts The New Avengers, rated PG-13. Now streaming on, you guessed it, Disney+. Affirm! I think Pokemon Cash App Klarna Klarna and Pokemon Amazon Affirm Venmo in out$148 Venmo in out$5 Venmo in out$130 Venmo in out$15 No savings? No retirement? I may have a little bit in savings How much? Like$1 ,000 I'm surprised you haven't blown it on Pokemon I'll be completely honest. Yeah, I mean, I get dinged if I transfer too much out of it, so I just kind of keep it there because they'll start taking money from me. I'll see if this is even budgetable, but I honestly have extreme, extreme doubt.

1:27:45I mean, not with the way you spend money in Pokemon, and I can't change that for you. You have to do that. Total income, I'm going to say$3 ,000 because it looks like at least a little more sometimes comes in, so I'll say$3 ,000. Okay, let me get your minimum of the debt payments. okay the apple one's 145 dollars then 40 and 56 cents from the advantage card 30 dollars from discover it 40 dollars from the platinum card 88 dollars and 50 cents from the sapphire preferred these are stacking like crazy 106 dollars and 12 cents and the amazon card 86 dollars and 95 cents from Klarna,$61.04 from Affirm.

1:28:25Green card is$89.40. Then there's$57.26 from Synchrony. Gold card is$46. This is insane, dude, just adding this up. $30 from Target. $66 from Upstart. $66.89 from Upgrade. $217 to the car. Student loans,$216. Yeah. $216. and then$50 from Sally Mae. Already half of your income gone. And then you spend the other half on Pokemon, so it's gone. And that's on a low month, you told me. So, ha! Okay. $1 ,436.72.

1:29:06No rent, no utilities, no internet. You don't contribute anything. I mean, I got food. I do like Spotify. I'm asking that. Oh, yeah, no. Okay, groceries. You can do$300 for yourself. I'd do$200. No, because you're not going out to eat anymore, asshole. $300. No, I mean,$200 gets me by. No, you say that while you're going out to eat every second of your life. It's$300. Shut the fuck up. Follow the meal plan in the debt class that comes in the Master Money series. Phone bill? $100. Okay, do you owe on your phone? No, I... Is T-Mobile good in your area? No, it's really not. We only have AT &T or Verizon.

1:29:44Switch to Helium. Helium is good as long as T-Mobile is good in your area. I've been trying to switch, but with where we're at, it's rough. Even AT &T is rough. TP fund, anything else you need to survive? $100. Gas, vroom, vroom, drive, drive. Like probably$100 a month. My car gets decent gas mileage. Current insurance, how much? It's$200. Medical healthcare, any co-pays? Ongoing co-pays for reoccurring things, whether it be therapy or medications or ongoing appointments. No, my insurance. Like, do you want my insurance total a month? No, no. Well, it gets taken from work, right? Paycheck, or do you pay it out of pocket?

1:30:21I pay it out of pocket. How much? Not bad, since I'm... How much? Like 70, but that includes dental. Good. That's what happens when you're in a small town. Subscriptions, I'll try 25. You have a cat. Just one? How much for pet food? About 20 bucks a month. Okay, pet insurance, 50 bucks, because you certainly can afford it if an emergency pops up for the cat. anything else I need to put in your budget? Um I think that's it for my budget Technically this show's wiggle room $2 ,401.72 but listen if you actually want to pay off that again that leaves potential wiggle room of what's called 600 bucks That's what I've been trying to do But that's the thing that's if you actually make$3 ,000 or not less Like the snowball method Yeah, but that means nothing if you spend literally 4 ,000 hours a month on Pokemon alone.

1:31:16So shut the f*** up. I mean, that's what I mean. Someone told me a snowball method is the best one to use. So just trying to get those monthly down. When it comes to the mentality, for sure, doesn't f***ing matter. Because you're a moron who spends$4 ,000 minimum on Pokemon on a monthly basis. That is not involved in the snowball method. So I don't know what the f*** you're talking about. your bad debt is 26 because we're not taking into account student loans of which you're probably going to borrow more to go to school but$26 ,553.09 with an extra$600 a month because remember this isn't even

1:31:55getting Pokemon cards still takes 44 months to pay off or basically three years three years three quarters that's not horrible I mean, not only three and a half years. That's not horrible, but that's not getting Pokemon cards. Say you spend$100 a month on Pokemon cards, for an example, which you wouldn't even be able to come close to that. It's going from$4 ,000 to$100? Good luck. Well, let's say you do. Okay, so$26 ,555, right? Divided by$500 now. Well, that goes from three years, 3.75 years, to four and a half years, just by contributing$100 a month in Pokemon. Goes to five years? Oof. And how many hours a week is school going to be?

1:32:40Because this is if you keep your income now. It's going to be eight. Eight for how long? For two years. So it's going to be... And do you and your girlfriend plan on moving out and living together? Is that a part of the docket? Eventually, yeah. Well, how can you afford that plus this for four years plus now spending on Pokemon plus taking time away from work to do school? Yeah, I mean, when I'm making it a little bit more for nursing, it's going to be easier to move out. How long is school? It's only two years. Okay, two years. But that extends this process to like eight, like seven. Seven years.

1:33:11Six years. So what, to pay it off? Yeah. And that's if you're not buying Pokemon well in school. What's your income situation going to be well in school? I'm going to be probably losing about four to six hours a week. So at that point, you're break even at best without spending on Pokemon cards. Break even at best. Which I'm okay with break even, but that means you still can't move out for a minimum two years. or minimum six years, honestly. So like... Well, that doesn't make sense, right? The math is not working here. So like even there's not like any wiggle room to like bump it up a little bit more.

1:33:46Bankruptcy. For bankruptcy? But that's just bankruptcy so that you can excuse yourself to go spend more money on Pokemon cards, which doesn't address the issue that got you here in the first place. Meaning if you go through bankruptcy, you don't change your behavior first. You're going to be right here again, if not worse, because you'll have higher income by the time bankruptcy is, Well, half... Come out of school, you'll make money in nursing, but that'll just mean more spending. You'll go from$4 ,000 to$8 ,000 a month. On Pokemon. None of this matters if you don't get your behavior under control.

1:34:17And I don't know how you do that with balancing with school. You'll break even for a couple years at best. So, like, it's either bankruptcy or... No, bankruptcy doesn't even make sense for you, though, because you haven't changed your behavior. You're not stopping on Pokemon. You spent$26 ,000 on one month. one month on Pokemon this year so far. So how do I budget that into it though? I just told you you can't. I just told you you can't. Like nothing at all. I said even with$100, but even with$100 you can't afford that breaking even while being in school, which starts in the beginning of the year, right?

1:34:52Yeah, but I mean like when I make more, like then it will like all even up. That doesn't matter. For the next two years, what are you going to do? You're not making more in the next two years. No, but like after the next two years. I don't give a fuck about that. How are you doing it the next two years? I mean, like you said, if I just break even, then I can. Without Pokemon, though, is breaking even. All right, fuck this. I'm going to the post show. I'm calling the girlfriend. Maybe she can talk some sense into him. Join the post show by clicking that join button. Join Hammer Elite, the number one membership on YouTube for a reason.

1:35:18Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes to this episode. Call the Financial Auto Post Show. I'll see you guys there. Make sure to get your hammer and financial score at CalebHammer.com. Good the fuck luck. Do you open cards every day? I wouldn't say every day. maybe like every other day if I can. Oh jeez, it's every day then. Is that not an addiction? Oh no. That's an addiction. Not at all. I know what I'm paying for. You don't know what you're paying for? I do. I know that I'm going to get cards. Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer.

1:35:54Hit me there. I just helicoptered. See description for more details. Ryan Reynolds here from Mint Mobile. I don't know if you knew this, but anyone can get the same premium wireless for$15 a month plan that I've been enjoying. It's not just for celebrities. So do like I did and have one of your assistant's assistants switch you to Mint Mobile today. I'm told it's super easy to do at mintmobile.com slash switch. Upfront payment of$45 for three month plan equivalent to$15 per month required. Intro rate first three months only, then full price plan options available. Taxes and fees extra. Default terms at mintmobile.com.