This Is Why You Pull Out | Financial Audit

25:24You spend 27 % of your income on just going out to eat. Sounds about right. You're okay with that? You accept that? It's easier if I'm out, if I don't eat, then it's just going to make more problems later on, so I'd rather just get food then than wait until I get home. Yeah, maybe you can excuse that two times, and then you realize that, so make sure you have food before you get into that situation. you're not like an actual moron you have the capability of making choices choices yeah choices are I'd rather eat and not wait till I get home and then it's before you well not if I stay at the ranch for a week then it's just hey pack food yeah but then I'm out on the truck the entire day so then with a cooler with a thermos.

26:15It's easier to grab$10 water burger than it is to... While you're on the fucking trailer? On the truck. It's easier to grab water burger. You can... In Texas, you can pull a trailer anywhere. It's not that bad. Okay, so you're going off the ranch to get lunch. Yeah. Then you can go back to the ranch house where your food is if you've packed it like a responsible human. Listen, if we're in debt, if we're about to fail school and we just go out every night and we're blowing shit and we're just f***ing it all. And who even knows what blowing s*** even means in your context? It could be up the nose.

26:47It could be... Who even f***ing knows? It just seems like an absolute mess. It's just probably alcohol and going out to eat and everything else, so... Uh-huh. Hey, I'm... It's life. It can... It'll... It'll buff. It's the... No, no. It only buffs with you choosing to buff. It doesn't buff without you actually doing the buff. You have to be the one buffing. It doesn't, nothing, cars don't just get buffed. You have to buff. I'm trying. No, you're not. You're spending almost 30 % on just going out to eat. If you have bad debt, by the way,$34 ,000, none of it being student loan debt, it's all bad debt.

27:29There's nothing that's even remotely considered good. $34 ,000 of bad debt while we're in school, while school is free, while we work 70 hours a week. 34 ,000 hours of debt is a disaster disaster and then you think you can spend 30 % of your income on fast fucking food when you have 34 ,000 hours of debt with free school no you're smiling about it if I'm taken care of it I get to go home at the end of the day you're not taking care of it you spend more than you make you're not You're not. You're going in a deeper hole. You're making sure you're not taken care of very soon. I've seen what it looks like on the other side.

28:12Many people that come on the show where I tell them it takes multiple decades to pay off their debt and it's better to go through multiple bonds of bankruptcy for them. Yeah, that's where you are headed. You're in the position where you might actually have the ability to turn it around. Yeah, that's what we're hoping for. That's what I'm here for. I need to snap out of it, I guess, in some sense, shape, or form.

28:36when was your first job uh when i was 14 right here in austin at marvel's lab okay in the mall so you've just been working odd jobs forever yeah there's like the minimum wage jobs forever basically besides the plants and the other equipment operations why aren't we doing that again then uh that's when the pots got bad and so i had to step back from that for a little Pot's okay now? Yeah. So go back, right? Yeah. You have the experience on your resume. Well, New Braunfels doesn't have that many plants and operations. You move to a place that has things that exist. You move to a small town like a dump.

29:11Yeah, you're not wrong about that one. It was the quickest option, though. I moved in with my friend and her mom. Quickest option to move to a place without job opportunities. Great. Well, I moved in with my friend and her mom, and it was an easy get out from Beaumont. You still work with them? You live with them? Yeah, I still live with them. Then that's another thing. Your rent must be small. meaning the fact that you are still in this debt and spending almost double what you make is even more of ridiculous and unacceptable well there is opportunities i was thinking about moving to florida or alabama because i got a job i got cretchen's facilities for the fdc or i got marina jobs uh marina will start me out uh florida department of corrections okay yeah you could do that so it's again i really don't i just hear oh listen listen i'm very much on the outside and only i only have stories from people that have been in prison on this show again i think it was a membership video but um i don't hear good things about you know you don't hear good things about a lot of things though especially i know but do i want to put you in a situation with that like a lot of like like sexual oh yeah no that's a given but also that'll happen you're okay with fbi or military or anything.

30:21Not saying I'm okay with any of that happening. I'm just saying that. I think it's less likely to happen in the FBI versus in prison. If it pays my bills and then you can decide and variate that. No, we do not accept harassment or even worse, assault if bills are being paid. Well, harassment in my job for blue collar and everything with plants or anything, that has been like a normal thing. It is that harassment that is different than what we are talking about what we are talking about in prison where there are like actual assaults well there's also different positions in corrections that you can go to that but what are you doing are you choosing them what were you offered in florida that you i was offered i was offered the department of corrections that would be in a secured room the entire time watching cameras things like that from breakouts well i'm okay with that that's starting 22 23 an hour or a deckhand.

31:15And that was offered to you? Yes, that was offered. And you denied it? No, I didn't deny it. I'm just trying to see. When was it offered to you? A week ago. I'm trying to see if there's like relocation assistance or something to help me out with me just moving over here. I'd be moving straight back to Florida, straight that way to Florida, not back. Okay. So what are you choosing? What are you? What's the question right now? I mean, you're in school. Can you do that? Yeah, I can. It's only. But it's Texas schools. Can you be in? Yeah, no, it only it only it has to stay at tats of school it can't go out of but can you do that while you're out of state you confirm this yes 47 in a 2023 report by the department of justice office of the inspector general fund that 40 of female correctional officers have reported instances of sexual uh assault or harassment 50 i don't want to give you 50 50 odds and that's that that's even a thing and you shouldn't have to turn down a job because of a statistic you know it should be correct the statistic not the correct what job you go get yeah but i'm just a little nervous and everything so it's more so you're dealing with the criminals that do it outside of there so then it's a given what you're walking into that's why you have to have so many forms and you have to write your will and everything else just in case anything goes wrong with it listen it's your choice but with that one there's that or there's i can move to alabama for marine hand but it's just a matter of a deckhand for marinas, like working on all the yachts and the big boats and everything.

32:41Why are we applying to jobs cross-country instead of just like near you? What are we trying to do? My brain's just looking at it as a new start, maybe snap out of what I've been doing. Okay. Yeah. Deckhand, but deckhand isn't even what you were... That's the career field that we're looking for. So why are we applying to deckhand in Alabama? It was higher than the corrections, so it's kind of just... Income-wise? Is it in a high cost of living area though? I mean if it's on the coast It's on Gulf Shores There you go You could get a higher paid job in Austin Than you're getting paid in New Braunfels But Austin's going to be more expensive Where do you think your finances are?

33:220-10, 0 being the worst 10 being the best I'm going to give myself like a 4 But that's being gracious Or it's because you don't know what numbers are I don't know yet Guys if you want your hammer financial score or see where you are in the world of finances, take the assessment at calebhammer.com or go to the link in the description below. And just like this guest who is not allowed to leave until she downloads the budgeting app, make sure you go and download my budgeting app. Again, links are down below. Anyone that signs up for the annual version gets a physical version of my cookbook and our journal signed directly by me, mailed to your doorstep.

33:59So you get the premium version forever, okay? Oh, perfect. Look at that. Take advantage of the community, all the tools, all the automatic connections, everything. Don't. Don't around. You're given every resource. Every resource. If you don't fix it from here, it is literally your choice unless just things outside of life. Things in life that sometimes just randomly happen just endlessly happens to you for some reason. I don't know. Yay. What's the first thing I'm even looking at? Those are my affirmed statements. Okay, affirm. Great. We're affirming everything. We know you have discipline and don't move on quick to other activities.

34:30This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of$300. Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. Okay, what are you affirming?

35:11What are you going to owe? Concert tickets. There is an engagement ring on there. There is a... What the f*** is the engagement ring? What the f*** are we talking about here? What the f*** are you talking about? So... Are you engaged? No. It ended up being a failed, never happened engagement with Annette's boyfriend before I moved back here. Why were you financing it? So it was either his credit that he'd have to pay half and then half, or it was my credit that we could do a payment plan and pay it out on time. When was this? October of last year. October, six months ago. You broke off engagement six months ago?

35:51I got cheated on, so it wasn't me breaking off the engagement, but then I got stuck with the payments for it. So you got your own engagement ring financed. Yeah. And then you found out he was cheating on you. Yeah. Oh, good. How did you find out? I had, he was on a traveling lineman crew and that is like the biggest red flag of them all, I know. Well, that's his job. And then I was at home and his location randomly turned off one day and I was like, oh, well, that's a little weird and I normally have it. And his Find My iPhone was still on, so I checked that. And he was out eating dinner with someone.

36:30And I was like, all right, cool. Gave a little bit. With his crew is what I would have assumed. That's what I was hopefully assuming. But he had a past history with his ex-girlfriends of cheating. Are you kidding me? You're getting engaged with someone who has a past history of cheating. Yeah, and so I... I believe people can make mistakes in life and change their life around. I believe that. Listen, we live in the real world, right? Like the internet, they assume if someone did something bad at 18, they're an evil person for the rest of their life. Like they don't live in real life. We do. I think people can change.

37:01But if someone has a repeated history of cheating throughout every relationship they've been in, maybe that's not who we're choosing to get engaged with. It's not your fault he cheated. But come on. Come on. I mean, let's be real about it as well. I realized I had his social media login. And so I logged into his Snapchat and found out that my best friend from Louisiana. was at the top of his Snapchat and her location was on and they were at the same hotel with pictures of them. Yeah. And you know they were together together. Mm-hmm. How'd you find that out? From the photos that were saved in their chats.

37:37Boobies and booties? Yep. All of it. All you can imagine. And I ended up three hours away within probably 45 minutes. And I grabbed my... You showed up? Yeah. Oh, I showed up. what happened uh i was sitting outside the hotel i had texted him and i was like hey uh i want all my back because this is not a thing that's going on anymore and he sent his buddy out that worked with him with his little girlfriend and was like hey here's your stuff yada yada yada and then i was like well i still want everything else that he has and i want the phone that i paid for and everything else and uh so i was there for about three hours until the hotel manager until they told the hotel manager to call the police but then blamed it on me and then the hotel manager tried to get me harassment charges for something i never did and so i got back home at about 2 3 a.m so charges were never pressed though and you broke up immediately yes and that's within the How long were you guys together?

38:44A year and a half. Okay, that's a quick engagement. Just a little bit. And he cheated on every ex? Yes. And you knew that? Yes. How many exes did he cheat on? How many exes did he cheat on? I think three. And you...

39:03Okay.

39:08Okay. Okay. and you still owe on your wedding ring because you financed your own wedding ring yes I still owe so it's concert tickets in your own why won't he should pay for it oh no I've tried he's doing his own little thing and he refuses to so we're looking I've tried I've tried being an adult and it's just going south because he is also a year younger than me so that should have been can I call him in the post show yeah I'm gonna call him in the post show And I'm gonna confront him From my own number so he won't even see it coming Yeah That'll be fun Cause he told me before I moved Because I had a house down there and everything that I was renting And he told me He told me that he was gonna pay off the engagement ring He said that What's your guys' communication since the breakup Uh horrible cause of him I've tried and it's just he He avoids Yeah he avoids everything and well listen honestly it was dumb for you to take this out yeah it definitely it shouldn't have been you i mean that's okay but then what is this if they're all get overdue lady you know 1458 30 says they're all get overdue why are they overdue it's because you go on spending all the fucking boozing oh you got cheated on so you have to go get dick down every night listen that's not what are we doing it was also avoiding it because it was i wasn't the one supposed to be paying it so i you weren't but it's on your credit you're f***ing yourself you're f***ing your future self that sucks i'm empathetic to it but this was a choice you made and this is the learning from the dumb but don't destroy your credit and ability to get a mortgage or whatever it is you want to do.

41:00Do you still have the ring? Yeah, it's still in my... Sell it! Sell it! I just paid this off! How much was the ring? $1 ,900. Have you looked at selling it? Yeah. And? I was looking for a little bit more, but then he also... What have people offered? Sit$700 on it. Dude, I don't fucking care. Just take it. Take it. Take it. That pays off half this debt. You're not paying this on time on purpose? I wasn't paying the ring. Yeah, the other one that was... It's$182 a month, it looks like. Yes. How many payments are we behind? Because I see three. Well, I see StubHub as well. StubHub isn't a f***ing wedding ring.

41:43Hey, StubHub isn't a f***ing wedding ring. So that is a bull... That is bull... Hey, what you just said was bull... It's not just a wedding ring. It's not just a wedding ring because, ooh, we got cheated on. And yes, that sucks. But the concert. You're not paying for the f***ing concert. You're not paying for the f***ing concert. You're not paying for the f***ing concert. Yeah, and that's a concert that already happened, so that makes it, yeah.

42:07Yes, that's what a firm is. Yeah, but then there's also his phone that is still on my account that I'm still f***ing off. Oh, don't you f***ing dare. Don't you f***ing dare. Why would his phone be on your credit? You let a guy that historically and repeatedly cheats have you financed his entire f***ing life and responsibilities and then he sticks it in someone else, let alone your best friend and you're surprised that you have to take care of these bills? Come on. Why would you allow that piece of s*** to finance his life on your financing? Yeah, I'm still paying the phone bill since, like, December of last year.

42:52Wait, December? Yeah. Of last year? 24. Yeah, 24. I've been talking to the phone call since then. Why'd you have it? Because that was two months. Because we were on the same phone plan since June, and so we got him a new phone. Cancel it. I can't, because he still owes$600 on it. And I've tried pausing it. I've tried getting rid of it. I've tried selling. I can't sell the phone, because it has an activation lock from AT &T. I tried transferring the service. So you have the phone. I tried telling him. Yeah, it's in my drawer at home. But I can't sell it until he agreed. He already agreed to pay it off.

43:26I have proof of him agreeing to pay off everything. He's been avoiding it. Yeah, but with the proof, you can't take it to them? Who? AT &T? Yeah. No. With the proof. Unless he signs that he wants to transfer service. Okay, we got to get him to sign it. Unless he transfers service, then it's pointless on their end. So that's like an extra 200 every month with my phone. on top.

43:58Are you at least taking a pause in your dating? Yeah, no. I've been completely separate from everything since then. Good. I'm planning on doing that for the next year or two. Well, you don't have to do that, but just separate for a little bit. Give yourself a chance to recover. Oh, yeah, no. I just need you to buckle down. I'm not saying like go away for a year you're allowed to go on dates and stuff i'm just like i just like that's so fresh getting cheated on engaged having the ring still i just want to i want you to take this in like an appropriate timeline that is good and healthy for you there's also a uh christmas gift on there that had yeah what for him yep what was the last christmas why'd you buy him a christmas gift.

44:49Why did you buy him a Christmas gift? It was right after Christmas. So we had done, yeah. What? It was like the last week of December that I found out. So we had already had Christmas, already had family photos. I thought you said you found out in October. No. You got engaged in October. That's when we bought the ring. I never got engaged to. I never got proposed to or anything. Okay. So fucking weird. So we had the ring. Oh my gosh! We were waiting and then it was going to happen sometime the past three months and it never did. And yeah, no. And we had family photos. We had Christmas. We had going to his parents' house and should have taken that hint that his parents were divorced because they both cheated on each other.

45:33And then he went on a field trip. Just going to an open relationship, people. Just doing an open relationship. Three hours away. And then I found out he was cheating on me. just do an open relationship or just call it off. What is wrong? No one in my generation knows how to do that. They'd rather take the hard way. Everyone in your generation is actually like pretty anti-sex. I'm surprised he was even sticking it in something. Especially her, but that's another story. Okay. Okay. So, these payments are stacking. Yeah. And I'm sure you're getting confused and it's all stupid. I see you also just affirmed Walton.

46:10Pull up your affirm map for me. Pull it up. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in, and you can check out my portfolio in real time and even discuss strategies with me and other investors.

46:52There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now you can actually see what my portfolio looks like today. Hey, there's a dollar added on. Yeah, went up. Okay, you're...

47:27Yeah, there's the over, over, okay. Yep. Rock the South ticket is pending. So that... What the f*** is that? That was his birthday present that I bought him. Good. Let's see. Three, four months. And now I'm just paying them off and I'm using them. But I.

47:52You have auto pay off on so much of this stuff. What the fuck? And StubHub, that's for a concert that's already done. Tell me. Please fucking tell me. We're done with concerts? Yes. No. I have one in two weeks with one of my friends in Palestine again. No, for f***s sake. How do they even have concert venues left standing at this point? That was a birthday present, so it's kind of wrote off, but not really, because I'm still paying for all of my things going that way. And then there's Rot the South in June. Oh, for f***s sake, what are you doing? You don't give a f***. You don't give a f***. are you just using the fact that sympathetic sympathetic i have to start this with i am sympathetic the almost engaged cheated so two traumatic life events that i don't wish anyone to go through are we using that you have i see no other way than you are using that as a justification whether or not you acknowledge it but in the back of your head to why you're just able to just go and fucking do anything you want without even thinking about it.

49:05Yeah, that's kind of where it is right now. And then it's the fact of I'm just doing it all. But guess what? Guess what? Because of those two traumatic things where you're using it to just fuck up everything, you're creating a third dramatic event. And that third dramatic event is these bills are going to catch up. these bills are going to catch up, maybe even a fourth where you get kicked out of school or can't pay for it anymore. But the third dramatic event is the bills are going to catch up and you're going to be forced to go through bankruptcy or consolidation where you build it all up before you actually change your behavior and you are just going to be in a financial slump that you are never going to get out of.

49:44Because bankruptcy doesn't clean this. Bankruptcy doesn't clean the slate. We've had people that have gone through bankruptcy on the show. Guess what? They get in the same worst financial position because people go through bankruptcy and then without changing the behavior they get in all the bad debt again i am not against consolidation or bankruptcy but i am against it if you have not changed your behavior and you going through this using the justifications of the past that are sad are never going to change your behavior you already have all these concepts and you're going to spend money on the gas on the food on the travel all the the tickets always purchase Yeah, the tickets are already purchased and paid for.

50:20Okay, but you're going to spend double, if not more, as you've already confessed, every time you go to a f***ing concert on the travel, on the lodging, on the food. Yeah, but then it's written off of it. Open that. Open that.

50:38Oh, my gosh. How's your frame rate at, like, five frames per second? Oh, it's because you have low f***ing data on. Or you have low power mode on. I'm turning that off, so I don't have a seizure. how do people deal with that i didn't even notice anything on it okay she has flow premium period flow period and pregnancy tracker you're paying for that that's 15 a month doesn't the health app do that automatically that's every six months and okay doesn't the health she has snapchat plus who the in this world has snapchat plus what the are we doing snapchat plus disney plus apple music and apple care good with the apple care apple music looks at a student plan i can stomach it but come on the flow kit doesn't the apple health app do that automatically already well i've used flow for like seven years now so it's easy to stick with them hold on hold on hold on oh no hold on why the did you have did you wait no no you did download hinge you went in Hinge Premium.

51:40And then I got that refunded because I accidentally had it. I didn't really, like I had done the little free trial and then it kept charging and then I was like, oh crap. And there's Bumble. So we've been on the premium versions of these dating apps since the cheat. And it was right post-cheat. You downloaded it immediately because this, that expired January 28th, the Bumble one. So that means you found out and you downloaded the next day. Yeah, I didn't do anything though. I was just kind of like swiping through. I never, I haven't gone on any dates or anything. It was like preferred pure entertainment of, hey, let's see what's out there sort of thing.

52:13And his dad never went and did any one. So I'll take it as a plus.

52:25I love the fact that we get permission for me to just around and have fun before. And you have just ruined. Like, I just don't understand the point of lying. Listen, you are chatting with Brent today. Yeah. On Hinge. Yeah. This doesn't even matter. I don't even care. But the fact that you said, like, I want you to listen. No, the premium is I never said that I deleted the apps. I said that I had. No, but here's the thing. You just got cheated on. Just got cheated on a couple months ago. Went away from basically an engagement. You're still dealing with his finances. You're in no way going to go in this in a healthy direction.

53:06and the fact is is i don't want you just fucking around constantly no i definitely my my brain no no no i don't want you around like this i don't care about that you can do that as much as you want i'm talking about you have no focus you just got cheated on you're going you're you're adding like 50 dudes on snapchat as we're speaking like this is endless snap that's why we have snapchat plus but it's the fact that we're going out and drinking every night it's the fact that we are failing school it's the fact that we are going to the beach i don't care listen if you weren't doing that stuff and you were going out and trying to go on 50 dates a night fine if you if you gave that up and we're going out okay but you are doing all these things endlessly endlessly you have no focus you are doing a thousand different things you're never gonna get out of debt you're never gonna get out of debt yeah i'm kind of just it's it's a jump it's like jumping jets right now no hopscotch just back and forth between everything else because of how far everything's gone so it's just a matter of where can I play this card to that card it's like the saying we're gonna go through that more in the post show I'm gonna audit your dating profile got it it's the what is it the Peter pay Paul something I don't know I forgot that one uh huh okay I just you have a credit one You have a f***ing credit one.

54:30If you have a credit one, it is the worst of the worst. That means we know it's the worst of the f***ing worst. That one was open strictly to go on a trip to see him in college a year and a half ago. Wait, where was he? He lived where I was, and then he went to college a month after we had met. Gosh, I thought we were moving beyond this part of the conversation, but it just keeps coming back. okay listen uh i'm not gonna do this period pass the pass pass two why two in a row two in a row why why do you accept that why do you accept that as your reality it's it's what is this give me an answer your pass do on all the polls why are you allowing this past due pace range it was it can be written off or it can be salvaged at some point in time at some later date but it won't be because you're getting yourself in a worse situation into an inescapable situation the only salvage is bankruptcy and even that won't fully clear you potentially and even that you'll just get in the same position again we've already been through this no the kick of the can down the road never works because the can becomes a a boulder that you'll never be able to kick.

55:54Not breaking your toe. That one, yeah, that one. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Oh my gosh. I can say words. Those are hard. Those are very hard. Yeah, then you're never going to finish college. $60 minimum fee payment normally, of course, what we owe right now is$129 because we got fees and bullsh** and interest.

56:44Yeah, listen, it's at$205.66. Got the late fee. We got the interest. we got other fees added it's just ridiculous oh my gosh that's certainly not the only late fee you've had this year on this card i'm not surprised looking at everything we've had listen i'm not even going to recommend the fizz card to you not even going to recommend the fizz card that's great for most people not good yeah no that one was supposed to be the credit builder and then i ended up just letting it credit one was supposed to be the credit builder that only it only had like a three it had like a$300 limit so my brain was like hey I can use it for gas or I can use it for little travels here and there or food or things like that

57:27okay okay what are you even spending money on that card these days gas and food if my bank account won't cover it they say you go to Austin and San Antonio all the time and you just f***ing spend money cowboys or Or going out to Mavericks or little outings, restaurants here and there with friends and everything else. Here and there. You do every night. Just about. Yeah. At least half the people on there pay for it. Fuck's sake. But then I know people and then it turns into, it gets paid for. So it could be worse. It could be worse. I will never understand this. And how do people even say this?

58:11Have you seen this show? Have you heard other people say it could be worse? Yeah. Are you fucking broken then? You know my answer. What do I say? What do I say? You fucking stupid. That's one of them. No, no. Yes, that's what I say to you. What do I say when people say it could be worse? I want to see if you have the comprehension to know why that is like legitimately a stupid phrase for someone like you to say that's in a position. Because it just keeps adding? Oh, my gosh. she's not able to retain information you watch the show with the volume off you're f***ing on me, you're wearing airpods mine is an out of sight, out of mind thing so as soon as I'm not watching it or like in the past five minutes I'm gonna forget it I don't think you ever have anything in your sight you're looking in 50 directions at once, endlessly I don't think you comprehend anything I don't know what are you talking about out of sight, out of mind, there's nothing ever in listen

59:08it doesn't matter if it could be worse it can always be worse The world could blow up. We could go through a nuclear winter. It can always be worse. That does not mean by any metric that what you were doing and going through is justifiable. It is not. If you ever tell yourself it could be worse, that is allowing you to continue this forever. And you will never make any progress. This is bad. This is f***ed up. This is destroying your future. The it could be worse will keep you here forever. ever it could be worse yes it always can be but if it could be worse forever this is what's going to prevent you from ever doing this from ever ever paying this off yeah that that was the mentality with school and it it still is and it it's it's the mentality with everything okay it it's it's it's just it's how it was it's it's oh my gosh oh wow yeah just keep going oh geez uh it's just it can be paid off a later date it can be redone it can be it can it yeah it can always be worse and then it can be saved from a different standpoint of things and

1:00:43is there a reset button like is there a switch like do I need to get Lindsay back there like tweaking and stuff like I don't know what's happening what do I do to move forward in terms of what

1:01:01like from what all the bad things I've been doing and financial decisions

1:01:11What's this? That is my Capital One card. my credit card that I opened I think in October. Over the past year and a half my team and I have worked with experts to create the literal best for financial education programs on the entire internet and even with a full month for a money-back guarantee we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget no matter where you are in life how you should be investing based on your investing profile, and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life.

1:01:52And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15 % off. So join the over 10 ,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com or just click those links in the description below. You're past you. Of course you are. That one paid for my move down here and it paid for some of the NOLA expenses.

1:02:29When did you move down here again? February. But why are we past due on it then now, a few months later? I think I added more charges Yeah I added more charges to it From my New Orleans trip And my birthday and everything else It is your birthday isn't it? Monday This past or this upcoming? This past Monday What the f*** did you do? I went to New Orleans in Houston Pull up the app Pull up your f***ing app What did you call this card? Capital One Okay capital one I don't even know the balance Because you can't pull a statement And my storage is on it Pull up the app! I'm pulling it up. It's up.

1:03:08Okay, you owe$723.86. Oh, it's maxed out. Oh, good. Oh, yeah. Credit on here. Oh,$515. Good. This is so ridiculous. Why do you even allow this? Okay, that's not today, but a parking garage. That was in New Orleans. Great. Interest,$20. Pass-do fee.

1:03:39You don't have the ability to put more money on here. Pass-do fee, pass-do fee. Pass-do fees ever since you've opened this card. You've opened the card and you've never made a payment. Roof Plus. Oh, red roof Plus. Oh, this is in your stupid traveling. Public storage. What are you doing in public storage? $252. I share that with my best friend and her mom because I moved all my stuff into there. Why is it on your card, a card you refuse to pay? It was the easiest thing because I was the one that went to set it up. Listen, you allow that to be everything in life. It's the easiest thing for other people to put their expenses on my stuff.

1:04:13And then they don't pay for it. And then you don't pay for it. And then you're past due. This is a repeated pattern. His repeated cheating is your repeated stupid with money. You can't do that. No more putting people's s*** on your cards. You can't manage your s*** worth anything.

1:04:30Proven true but yeah Yeah it's proven true One more time I need to see what your minimum monthly payment is

1:04:42Auto pay is off great

1:04:48Fine let's select this date What does it say

1:04:55Looks like it's like 124 but that's probably with all our fees, but we'll put it at yeah, sure. Let's put it at 120. 120, I'm assuming the minimum is around there. Okay. Yeah, fucking use the budgeting app. My goodness. I can't even believe it. Alright, what am I looking at here? You really can't send statements, can you? That was the only way it would let me pull any of them up. That is my RBFCU credit card that I've had since I was 18. Pull it up. Guess we're looking at the phone version for all this stuff.

1:05:32This one's also maxed out. $3 left to spend on it. Left to spend. Don't even hear it like that. Okay, I'll call just Credit Union.

1:05:45Minimum monthly payment is$20.

1:05:50With$496.21 owed on here. I don't know how you survive. dude provisions provisions going in against a late fee late fee at the beginning of the month utnt at &t rhino air mavericks dance halls flotch skis going in and getting some bull bull bull bull this is fucking and then late fees up the butthole this is like what are we doing tell me about this card what's going on that that's the that's the the catch-all that's the catch all yeah that's the yes that's the hey i look of your hinge you're the catch all apparently so yeah that yeah we we can we can do that yeah that that was the hey i needed a new it's better than the the whore of our office his name is brandon he's the catch all of the stds so no i'm clean from those i'm great i'm good uh i go to maverick on that card.

1:06:49I go spend the alcohol budgets on those cards and I don't even know what that rhino charge is for. That's a new one to my brain. Or the going out to eat after work or things like that. My checking account doesn't have it before Bill comes out then he gets charged with the credit card. For merch at concerts. At Stradastrics. I don't even know what to do with you. You have a lifestyle that you cannot afford and you're just doing it relentlessly and you already have multiple ones playing up. Like, what the f*** can I do? What the f*** can I do? I can't do a single dick. I can't do anything.

1:07:29I don't know what to do. What can I do with you? I don't even know what to do with myself. Well, you can stop, but I just don't think I can get you to. You can get you to. I can't get you to. That was about what the Florida trip was. That was kind of like a reset button on everything. Oh, that's not how that's going to work, dude. It's really not. That's why I'm still here. I didn't actually go. You got offered it a week ago. Yeah. You're still considering it, right? Or have you chosen no? No, I'm still considering it. All these cards are maxed out. All the cards have late fees. There is not a single sign, inkling of anything good here.

1:08:08Not one. And that bothers me because there's nothing for me to latch on and be like, let's use this skill that we have to go there. If anything, it's you working hard because you put in a lot of hours, but you're working hard never leads to any results because you put in a lot of hours and don't get paid for it. You put in a lot of hours in school. You don't achieve the grades you need to maintain your free college. You don't do anything. It's kind of just working to get by and then pay off what I do. You don't. They're maxed out. Pay what you do. Shut the f*** up. You don't pay anything. No account we've looked at is pay.

1:08:44shut up you don't get the badge on your f***ing sleeve that says I pay you don't pay anything you put money on credit but you don't pay anything you're gonna get access of f***ing afterpay taken from you and I hope you do yeah I just don't know about that you haven't had retirement of course not you have nothing going from you you don't have anything going for you. And we'll get you set up with the Moo Moo app when you're ready to invest. We don't have anything going for you yet. I don't know. Yeah, what? What can I latch on to? Is there anything? Is there anything I don't know? One of the collections is half of the paid off.

1:09:29Collections, but you got into collections. That was from when I was 18. And it went to collections for that one. So it's taken four years to pay off half of it? it was at a collection it was at a collection and then it was left alone and then it went to the second collector and then I got offered a settlement for it. It probably went into internal collections and then external collections is what I'm assuming. I believe so because them are at the same collections just one sent to the other one three of my collections one was a care credit for a vet bill for two ferrets I had two years ago one is the Best Buy computer, MathButh, that I bought when I was 18, starting college, and then one's a discount tire.

1:10:19Of course you did. You can't do college without an expensive Apple computer. I love Apple. I'm an Apple slut, but you don't need that.

1:10:29Did I miss Randolph Books? That's one of the biggest banks here in Austin. There was another one, but I got it taken off of my collections. That was a SmileDirect thing. Yes, that was a SmileDirect thing. What do you mean you got it taken off? So I, they had called me because SmileDirect got bankrupt and so they went to like a third like weird Indian party sort of thing to handle the rest of their finances and I had called and they were like, hey, is your name so-and-so? And I was like, yeah, that's correct and then they asked for my social security number and it was one number off from when it was supposed to be and so they told me to call identity theft and file a report with them to get it taken off my record and with In a week, it was off.

1:11:10Okay. On one collections, you have$2 ,100. And on other collections, you have$1 ,306. And on other collections, you have$200. You said is one of these, are any of them on payment plans? Yes, the middle one is. Okay. How much a month? $118.75. Yeah. It's very difficult to stack up this many minimum monthly payments while we're in school. Like, you've put yourself in a position. if it if my if it stays a physician then it stays no okay then you've given up then you've given up not necessarily i've been pushing for payment plans and everything else no one have the opportunities no one can help anyone that's given up if you're an addict and you've given up you can't help them if you're a fat and you've given up you can't help them if you're an endless spender bad money and they've given up you can't help them You can't help anyone.

1:12:05If someone's given up to their cancer, you can't help them. There's nothing that can be done. There's nothing that can be done if someone is, if they've given up. And that phrase is so I've given up. That's why I keep working and everything else. It's not necessarily like I've given up. I just don't put any of it towards where I should. You're working to sustain your lifestyle, not to improve your finances. so that's still giving up that's still giving up my bills are paid that's not where I am are you actually stupid I'm sorry if that's insulting shut the f*** up right now hey shut up listen all my bills are paid f*** you 1, 2, 3, 4 4 credit accounts that were not paid that were not paid that were all past due that we saw and then all of a sudden we have 3 in collections meaning you've never paid them so f*** you you don't pay your bills you don't get that badge you don't get that maturity badge you're a joke financially well my rent's paid so that's paid you live with a friend and their mom what's your rent payment?

1:13:13400 anyone can do that you don't there is no pat on the back for that you don't have a normal f***ing rent yeah that's kind of why I moved as well because I couldn't afford the rent over there by myself so So I moved into a cheaper place over here. And then it turned into sustaining. And then it turned into I can do whatever I want because I'm not over there now.

1:13:48Okay, what is this? That is from when I moved from Marble Falls to Beaumont. What do you mean it's from when you moved? Two and a half years ago, I was living with Annette's boyfriend, and he was supposed to pay the final cancellation of the lease whenever I found out he cheated on me. Another cheat? And he never paid it. A separate cheat? Mm-hmm. How many cheats have you cheated? I've had all three of my relationships, and Sid Shears cheat on me. Have you ever cheated? No. What the fuck is happening? I apparently don't know how to pick him. It's one of those boots in the library where you're like, ooh, this looks really good, and then you're not getting through it.

1:14:24Have they all given the same why? not that it matters they shouldn't have don't get me wrong but i'm just like i've gotten very different whys the last one is because she was easy uh the one the most recent yes the most recent because she was easy and he was lonely at his job and that's what he said yep okay the one before that uh the one before that that was uh he was a volunteer firefighter and he ended up f***ing around with one of his classmates because they were constantly around each other and they were etzes so then it played into You gotta pick someone who's 9 to 5 Okay, and the one before that?

1:15:04That was high school and then he went to the Marines Every time You can't, you listen No more picking people that are always around other people in their job You just gotta get 9 to 5 Know where they're living with each other type jobs because that's three in a row that's like they were all at like a year and a half and then I got cheated on so they haven't like no trust me and they shouldn't have none of it's your fault but that's pick a nine to fiver we're just like someone working at McDonald's I don't even care okay collections right this is collections this is more collections it's in collections it won't show up on my credit card though but it's in collections okay so you owe 1500 payment plan no you made a payment in 2024 $43.56.

1:15:52So this is your, it's what? Your last month of rent or what was it? It was for the cancellation of the lease. Oh, okay. And he was supposed to pay for it? Mm-hmm. But. Still has yet to. But. He currently lives. But. Is it on hit? Is it reflected to him? Is he seeing it as well? Or just you? Why only you? It's just me. Why? Because I did the same thing I did with the last one. Have we learned our fucking lesson? Yes. Apparently not. because you are literally doing that with your roommate and mom, her mom right now with the storage. Totally forgot about that as of right now. It's the out of sight, out of mind thing.

1:16:32So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. I don't know. I don't know. Okay. Um, what is this? Emergency department visit? Medical. It's high enough to show up on collections. Wait, total. Oh, you're on a payment plan. Mm hmm. Oh, are you paying it? Yes. Oh, so you'll pay this. What is this? This is medical, right?

1:17:19Yes, that is when I went to the urgent care. For the pots? Yes, I'd find it at work. Don't do that. Okay. I wish I had control over it. $2 ,300 minimum monthly payment. So the right one's not in collections. Okay. So$190.47 for this one. Okay. When was this? October, it looks like. Yes. Okay. So you got on a payment plan with the hospital. Yes. Okay. So it's not collections. It's just the bill at the hospital. And that's when you found out you had pots? That was the start of it. Has it gotten better? Because that's only since October. It seems to have gotten better, but then it's... And you could work on a ranch behind a car?

1:18:03We're letting you behind the wheel on a road? That doesn't seem right. It was more of a matter of I kind of just let everything go, and that included myself, and then it just ended up I made it a lot worse on myself than everything else. How? How did you let yourself go? Stop drinking water, stop eating, things like that. For for sake, yes. Everyone will pass out if they don't drink water. But then it ended up with a heart murmur from it. Oh, my gosh. Okay, what is UTMB Health? That is from when I had my heart monitor and all my testing for it. So this is another thing. Yes. You only owe 214. But yes.

1:18:39You only owe 214. it's not like it's insignificant but it helps a lot that one was with insurance and everything else so it lowered it a lot from what it was

1:18:54hey what is this you're just sending me screenshots of both that's what it downloaded whenever i did it uh yeah but what is it i'm trying to what oh that that is my past three months from my vehicle that I currently own. Own? Not own. Oh. That I owe on. What's the balance? Very, very under. I owe$25 ,000 on it. Oh, for fuck's sake. What's the car? You own a$25 ,000 car? You don't even make that much a year. Not that much even a year. It is a 2023 Hyundai Tucson. What's your minimum monthly payment? You made a 2023 car? You think you can get a 2023 car? Phew. It was$616 a month. Second interest rate?

1:19:396.75. It's not horrible. It's not horrible. Okay. Yeah. It's worth$18 ,000. My car had gotten stolen and then I - So you better go get a car we can afford? Yeah. I immediately jumped into something that I shouldn't have. Guys, if we have an expensive car, it won't get stolen. Yeah. No. I think it just went - I went for the tracker and then I was like, oh, it's pretty and it has all the things that a normal - Are you late on this? No. That is currently up to date. Are you deferring payments to the end? No. I did yeah I have skipped payments before with my bank so it's pushed that loan off a little bit when did you get this car uh February of 23 your grandpa co-signed yes oh the payment the car that you're putting payments on the back end your grandpa's co-signed to it your old grandpa so Oh, come on.

1:20:31The retired grandpa? That was a thing with him. He wanted to do that because I was in college. So he said that he would help me with my car. Yeah, but does he know you're borderline with money? Yes. How old's he? I think he's 70-somethings. And you're putting him on the fucking wall. He argued with me. 100. He argued with me about it. I couldn't. He... No. Of course you could have. You could have gone out. He was a full kraut about it. Dude, you could have fucking did this and he would have fallen over and you could have went and got a car. Yes, you could have. He would have forgotten the next day.

1:21:17He's 70-something. He's broken. You don't... Yes, you could have pushed back. Fucking make him sign a document and he wouldn't have known. Send him a docu-sign and he would have thought that was it. Yeah, he's been helping me with that and my car before that one as well. Grandpa should not be helping you when you are deferring payments to the end. It's disgusting. For f***'s sake, man. How many times have you deferred the payments? Only three in the past two years. Three, three in the past two years. It's like that skip-a-pay thing that they do at my bank. And the AC doesn't even work, they're telling me?

1:22:00You have a$25 ,000 fucking car loan? No, that's like an option with that. Because with my grandpa, I am under so far that I was looking into voluntarily repossessing it to the bank. It'll hurt him still. No, I was going to assign it strictly over to me and then do that. So he's not on it at all. Would they let you? What? Would you be able to refinance it under just you? If it shoots it up, either way, it's getting... I don't think so. Not with your credit, not with your debt to income. Good luck. It was the biggest option for it is... Yeah, if you can do that. Sign it strictly over to me, get him off co-signing.

1:22:44He's co-signed for the loan, not the title. And then it would be strictly me signing it strictly over to myself with him going to the bank. You better call an ass, have you? Yes. And? They said I could as long as he's there. Okay, good. As long as he's what? As long as he's present at the bank with me. Okay. And they'll accept that? Yes. Your financial history, they will accept that? They told me it was going to shoot it up a lot. Oh, the interest? It was, yeah, both. The interest and the monthly payment. I probably like 15. Oh, for fuck's sake. But then it was going to do... You'll repossess immediately?

1:23:16Yes. Yeah, maybe actually do that. That actually might be a fucking thing. What are you going to do for driving? that the my friend has a car that i was looking into like doing small monthly payments with him on and it's a little volt swadion that's where what do you mean with him the like just friend to friend sort of thing he has an extra car that he's not using and you'll give him monthly payments yes like a rent yeah of it but you don't own it all no no i'd own it at the end but it would be monthly payments. Monthly payments for how long? It's four grand. So it's just depending on how much I paid them a month.

1:23:54But it's just an extra card at this point. You're getting on another payment plan? Is there going to be interest? No. It's strictly just going to be cash between us. What a mess. What a fucking mess. Oh my gosh. Is this your checking account? Yes. You're expecting me to read that. That's what it was. That's what it printed. I don't know. I just turned 30, you demonic. That's what I went to download transactions and statements and everything else. and that's what it gave me. Yeah, but we wanted a statement, not a fucking spreadsheet. Okay, you've been moving out a hundred? Who knows where that went?

1:24:28That was rent. If it's a hundred, then it's rent. Whataburger, TP on Grind, P. Terry's, Cowboys, Cowboys, Treaty Oak. Concerts going out eating. Treaty Oak? No, it's a distillery. That's a concert. At the distillery? Oh, maybe it's a different place. Tredioc Revival. Okay. August Dulce. Venmoing out more. Merch. What are you going and getting at the gas station for a few bucks? I think it's either like a water or snacks or a Red Bull. Buying bulk, you f***ing tit. Sweet Berry. Going in and getting a water or a Red Bull or a snack. Waterburger. Tractor Supply. Probably getting a f***ing water, Red Bull or a snack.

1:25:13Water, Red Bull or a snack. KFC. El Charo Mexicano. Apple Bill, Apple Bill, Apple Bill, Apple Bill, Apple Bill. What the f*** are those four Apple things in a row? I had gotten my debit card stolen, so I had to switch it out, and then I didn't realize it had relapsed, so I had to... Waterburger relapsed? Waterburger? StubHub. Some would draw. $250. Who even knows where the f*** that went? Francescas. star eyebrows? Yes. I got my eyebrows done.

1:25:51It looks like what I do with the little bzzz bzzz thing. Dude, you just gotta bzzz bzzz if it's not gonna be anything special. Bzzz bzzz bzzz. It's worth it. If I do the, if I shave or if I wax, then it's just gonna make me break out and I'd rather just pay to have them done. No, don't shave. Bzzz bzzz. I don't even know what that is. The little machine that goes bzz bzz. Instead of hard shapes. Oh, the light over the top? No, even then, it just gets the surface and then it's still there. No one can see it. I can. Can you see all my hair up here? No. There you go. That's just, it's easier. It's easier to spend money you don't have?

1:26:31Yes, it is. You're right. It is. So, f*** you. Uptown, Chessage. Go in and get some bulls**t. Apple. Hobclub. Hobclub. Netflix. Oh my gosh, it just continues forever. This is so f***ing stupid, dude. This is so beyond stupid. It's upside down. Winning got some bulls**t. Sonic, Wendy's, Pete Terry, Cowboy, Danchella, Whataburger, Panda Express, Cowboy, Danchella, Sonic. Overdraft! Overdraft! You f***! You're even basically late payments on a checking account, essentially. My goodness. This is so bad. P. Terry's Taco Bell. Valhalla. Thirsty's, thirsty's, thirsty's. Izumi. P. Terry's Whataburger.

1:27:25OTG. Oh, my gosh. More of a... You kidding. What a joke. What a fucking joke. And that's the last document that we have. What a joke. So no savings accounts. Speak of nothing. I had, I think... Yeah, what do you have? What do you have?

1:27:43I had this as my savings, and then I pulled my entire savings out. You had to get f***ed up. Great. That's great. You're awesome. Stellar. Thriller of a human being. Definitely wife material.

1:27:58Pulled that out, and then hasn't been put back at all since then, besides, like, I think$20 is in there right now. Yep, you're real great.

1:28:10Real fucking stellar.

1:28:20So why'd no one adopt you, huh? Yeah, it ended up being my family from my dad's side that I had never met. Oh, they did? And then I got kicked out at 18. What? Huh? They kicked you? Why? Because I didn't want to go into the military. They needed you to go into the military? What time? What age did they adopt you? 16. What the? So you were in the house? The no parent house? Mm-hmm. Until 16? Yeah. What was that like? From 13 to 16. That's interesting. We might talk about it on the post show. Okay. What's your rent again? 400. Anything to go to utilities? No. That is included in that. What a joke.

1:29:02Including internet? How do groceries work at the house? I buy all my own. Good. $300. Use the cookbook. Again, premium users. You get it when you sign up for annuals. Mail directly to you and signed by me. Phone bill? That with his is$165. Once that's done, switch to helium. Same towers to T-Mobile. Guarantee you it works there because we live in the same area. Car insurance? $150. Okay. You're going to assume that's going to stay somewhere around the same. $100 for TP-Fun. That includes bzzz or whatever else you got to do. anything else in life? Medical? Healthcare? Nope. I don't have it because if I have it then I'll use it and then I'll end up with more bills.

1:29:38You don't get prescriptions or something? Nope. I don't take anything.

1:29:46Okay. Okay. It was kind of like a lifestyle change sort of thing. Anything else that needs to be in your budget that I did not put in there? Oh, gas. Vroom from Drive Drive. Ooh. Yeah. How much? How much? Probably like$400 a month. sake dude why so much i drive a lot concerts going out but it's gonna be cut it's gonna be cut back because you're not gonna be doing concerts and stuff so let's bring it down to 300 because your lifestyle is gonna be different okay got it okay i don't even believe listen i mean it's so stupid even with this because of the minimum payments that you force yourself to be in you're not even paying all the things like collections are not being paid a medical debts not being paid you're still you need 2 622 dollars and 97 cents to survive on a monthly basis i mean you're not gonna i mean you're you're not making it you're underwater by 222 dollars and 97 cents what a joke what a joke well then what a joke huh it would it would be cutting back on i cut you back on everything no like anything like going out wise or just anything I already did that.

1:30:56Without the$100. Like, completely nothing. Huh? Like, wasn't the$100 for, like, anything extra or things like that? Sure, cut that back and you're still underwater by$122.97. Well, I do have that job opening up. And I bet you still need to get tissues, tampons, toothpaste. That's what TPFun covers. Okay. Well, I do have a job opportunity in San Antonio that should be opening up. Should be opening up, which means you don't have it. It's 20 an hour. What's your hourly? 20 hours a week though it's 50 but then if needed it can go up to 80 but then that is covered with overtime paying everything okay well you'll do 60 okay yeah that helps you'll probably be walking away with like 4 ,000 hours a month after taxes 4 ,000 hours a month good let's just say you have an extra 1 ,500 hours no let's just say based on your lifestyle just you there's an extra$1 ,200 a month.

1:31:55Okay? $1 ,200 a month? What do you mean it might open up, though? This is the issue is you don't have it. Well, no, I have the appointment at Suite for all the paperwork and everything. Oh, because you accepted it? Yes, it's an acceptance. Did they offer it? Yes. Okay. I have that on the 24th. If that is the case, it takes maybe two and a half years to pay off the debt, and that's okay. Grind, pay it off, and that was me giving you a little wiggle room, then save up a fully funded emergency fund, and then start getting this investing journey going. You can be 25, 26, and you can be better than most people, but you've put yourself in such a dumb hole.

1:32:33And the fact is, based on your literally not paying for things and having no care and basically giving up, I actually do not think you're going to get there. And that's really sad when I say that. I hope you do. I hope you come back on the Financial Audit follow-up channel, and I hope you do prove it. I hope you do prove it, and we'll follow along. We're in your corner, but it requires you to actually put in the effort. Okay? Okay? Requires me to be in that corner. It requires you. Okay? Good. So good luck. I hope you do it. Let's get your Hammer Financial score. While I'm adding it up, make sure you guys download the Simpler Budget app and take our classes, guys.

1:33:08Make sure you take our classes. We have a debt class which you're going to get for free and same with the budgeting class but also investing in real estate. It's the best you can find. You can bundle them all together for a substantial discount. literally tens of thousands of people have changed their lives spending a budget you overspend zero out of ten debt you have collections zero out of turn emergency fund there's nothing zero out of ten retirement there's nothing real estate there's nothing it's gonna be hammer financial score zero out of ten guys it's gonna be a good post show i'm gonna roast their dating profile but even more i'm gonna call the cheating ex and destroy his ass from a number he's not even expecting to come and it's a one-party consent state when it comes to recording conversations like that so i'm about to f***ing expose his c***.

1:33:46And I do have the recordings for when he said he would pay for the ring. Well, there we go. So join us for the post show. It's going to be real good. Make sure you join Hammer Elite for thousands of hours of extra content. See you there. So I wasn't honest about one of my credit cards. F*** you're talking about. My Capital One. What? My mother is homeless in Austin and I was helping her out. Why can't you be honest? Why can't you just be honest? She's on the streets in this city. She could probably be five minutes away from us. You don't know where she is? Mm-mm. Occlusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

1:34:26Next up is a little song from CarMax about selling a car your way. You want to sell those wheels? You want to get a CarMax instant offer? So fast. Want to take a sec to think about it? Or like a month?

1:34:51So, want to drive? CarMax. Pickup not available everywhere. Restrictions and fee may apply.