Financial Audit - 100+ Years Of Insane Debt | Financial Audit

Episode Date: December 10, 2025

THE MOST *PERFECT* POST SHOW *EVER* --- I make him call his (husband?) friend and confess *EVERYTHING* , watch here: ➡️ https://bit.ly/chpostshow 🎁 Claim the Ultimate Hammer Bundle HERE → https://bit.ly/ultimate-hammer-bundle 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill three-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th. Exclusion supplies to homedipo.com slash price match for details. You said this place was steps from the water.

We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now.

Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton. for this day. To watch episodes of financial audit a week earlier, check us out on YouTube. 12,000 hours for a Frenchie? A third of a Frenchie. How do you get a third of a Frenchie? So, co-ownership. What the f***? That's not what you're actually going to get.

I look around a lot. I'm doing rent, asshole. Well, you said your mortgage asshole. If I did my calculations correctly, I believe that I did. You are. I'm trying to be debt-free in the next 12 months. is live. You can get 20% off everything in the store with code BF20. That is 20% off courses, merch, and even the brand new master your money membership. But don't wait too long. This sale ends at midnight on Friday December 5th. Happy Black Friday and enjoy your savings. Hi, I'm James. I'm 26 years old from Spokane, Washington, and this is financial audit. Washington. I haven't had a Washington person, I think, in a long time. This is awesome. Not a cheap State. Spokane, I'm not 100% sure, but very cool. Thanks for coming down. Yeah. What do you do there?

I'm a manager of a retail store. Sure. Last time I had a manager of a retail store, she actually made a lot of money, so I hope you're making a lot of money. Yeah. Better career path than a lot of people give it credit for. Yeah, I know when you start on the ground floor, it sucks. Well, I mean, I turned over in a year. I literally, uh, July 26th was when I started with the company. You probably showed the ambition and everything. Yeah. Okay, very cool. What do you make? Uh, 68. annually. Now again, for Spokane, I don't really know, but in terms of the United States, that is good. You are doing well. I mean, you're towards the median household income of the United States. Household income, usually two people. So you're doing pretty okay. I would think.

What hits your account on a paycheck basis? I think my paychecks are 2054, so 2054. Total would be 4108 a month. Okay. And how are you doing in Spokane? I'm doing okay. You know, it was really rough getting here. I racked up a lot of debt this last year. Yeah, well, not, not to Austin, but like to this, to this point, you know, because I, in a year, I doubled my income. Um, so this whole year's been really rough. Yeah. Where I'm at right now is getting a lot better. I'm feeling pretty comfortable, but, you know, I'm still in debt. So obviously not that comfortable. Well, I think what likely was the issue was not your lack of income, but literally trying to build a bulldog empire in your backyard and went into a shit ton of debt.

to breed bulldogs Yeah Endlessly Yeah In your backyard Well And start a bulldog Empire

In your room In your house? Yeah Gotta figure out how to make money I'm just think It's simply too good How do you build a bulldog Empire in a single

Spare Room in a house Well with love And a lot of hard work And you know No them fucking Yeah But I got a 700 square foot house

770 Yeah it's it's tiny It's tiny It's tiny We got, so there's technically two bedrooms and then a mudroom and then like a kitchen living room. And what did they have? They got the mudroom. Isn't the mudroom usually not aced or heated?

So we have two window AC units and a lot of fans. So what the fuck you're trying to do with Bulldog Empire? What is this? I had a buddy who owed me a dog. We did some work together. Ode you a dog? Yeah. So I didn't make nearly as much money as I thought I was going to with the work that we were doing.

And he's like. guys made bets on dogs? No, we made a deal where he's like, hey man, I feel bad. So I'm going to give you a bulldog because I'm breeding my blue-nosed pipple, or it was a pipple. And you're doing pipples. It's not even bulldogs because pipples, they breed themselves quite easily. No, no, no. So he ended up not breeding the pit bull. And so he called me like a year later. He's like, hey, I still a dog. And I was like, yes, you do. He said, go drive to the Tri-Cities. You can get this Frenchie. Turned out that I was buying the Frenchie. So it was like a really weird. thing. And they are not cheap. How much?

12,000. $12,000. Not $1,200. $12,000. $1,000 for a Frenchie? For a third of a Frenchie. How do you get a third of a Frenchie? So, co-ownership. What? Yeah. Are we talking about?

What do you even... What are you on about? This doesn't make any sense. You're not renting rooms in a house. You're not owning a third of a company. No, it's a third of the breeding rights. So I, the dog was mine.

I own the dog. But the litter. Doesn't sound like it. Okay. The production of the animal is what I own a third of. So the dog stays in my house. She's my dog. But the litters that I was at that point contractually obligated to have,

I owned one third of the production of what you're doing. Except for the first litter. Oh, it's a French bulldog. Yeah. Oh, sick. The first litter I got nothing from. I actually bought a dog from the first litter of the litter of the litter that I, I made. So I had a litter, fell in love with one of the animals, bought that animal, paid, no, sorry, $6,500.

I bought half of that dog. You bought half of a dog? Yes. Okay. Yeah. So, you know, it was kind of one of those things where I got a little f***ed on the first one. So I got in on the second one in a better deal. No, no, 1,200.

$1,000. $12,000 for a third of a dog. $12,000 for a third of a dog. Just wait until we get to the studs. the what? The studs, the boys. Because these are the moms, right? So I bought one of the first litter

because I didn't get anything from the first litter of the dog that I paid $12,000 for one third of. I only got a third of the second and third litter. We didn't end up having a third litter. So I paid 12 grand for one third of one litter. Yeah. Okay, okay.

The next dog I had full on. Wait, how did you possibly even come close to affording $12,000. I'm sorry. Like, even on the 68, $12,000, it's an insane amount of money. It was a friendly loan. How did you do a friendly loan? It was from them.

I owed them $12,000, of which I was supposed... The person that sold a third? Yes. So I left their house with the dog without any money trans- Oh, for fuck that's impossible. Does it go, is there a contract signed? No. What?

Not even for the ownership? No. What? No. Yeah, so it's a buddy of a buddy I have a really good friend that I've trusted for a long time that is one of the thirds

of the mom, right? So he owns a third, the people over in the Tri-Cities own a third, I own a third. People in Tri-Cities... Is that not Minnesota? No, it's Washington. The Tri-Cities, is that not...

It's Washington. Okay, that doesn't matter. Keep going. Anyways, good buddy, who I did some work with owed me a Pitbull ended up not bringing the pipple. I got the Frenchie.

I got a third of the Frenchie. I bought half of one of her daughters that I bred. It was a unfortunate situation. And I was planning on continuing with the daughter. We ended up having one more litter with the mother. How many dogs were being born of these litter? So the first litter was four.

The second litter. No, the first litter was three. No, it was four. Second litter was four. The third litter was two. So that's how I got my third litter. dog, which is Leia, I kept one of the two. It was Luke and Leia. And she is supposed to be a dog that makes money. Okay. We haven't had a litter with her yet. Yeah, you took out a $12,000 dollar personal

loan for her. Well, for her mom. A friendly loan. Okay. Actually for her mom's mom. So Indigo is who I own a third of. Oh, the names are not going to help. Okay. Okay. How do you want to go about this, Caleb? Can he draw it? Yes, we can. Listen, maybe, maybe I'm a I don't know, but it starts with the $12,000. So I want you to draw how many dogs and the price tag associated with them and draw the line. So what the fuck is happening? If I'm going to audit this dog operation. Okay, so I own one-third of indigo.

I paid $12,000. She gave birth to Dakota, who I paid $6,500 for. And how did you afford that $6,500? I took a loan out. What kind? S-D-CU unsecured person. loan. Yes. And what's the date that this started? Ish? 2020? What the f***? This is the five years ago and we're still dealing with this?

Okay, keep going. Yeah. So she had a litter, which I paid $5,000 in medical bills for. What? Which had two dogs. I kept one dog. Yeah, every litter is about $5,000. You kept one for yourself. Yeah. Personal for fun. Well, no, to breed. But listen, if you own a half and a third of that, you just get to keep one? Kind of. So I co-own this dog with my buddy. Oh, my, how many, what are these ownership? Every, own what dog? Every dog. Every dog. What dog? What dog? What dog? What dog? What dog? What? This one is Leah.

Okay. And you own what percent? 50 percent. Okay. Then draw 50 percent. I guess. I don't know. Okay. Okay. Okay. Oh my, this is insane. And then there's Bean, right? So Bean, I also, cute name. Also owned 50 percent of, uh, she ended up having heart issues. So she didn't get So she's out of the picture. We rehomed her. I didn't pay anything for her. That was like a hey, I have a dog. I want to breed it Will you take it? I took it and then we got it checked out and I was like I'm not gonna breathe this dog So from there I bought

I bought This one's a fat one one eighth Oh my of my stud One eighth a stud a stud a man a man $40,000 dog. This is, I bought half of this dog for $6,500. Okay, I'm confused. Is this a woman or a guy?

Yeah, so mom, or sorry, grandma, mom, daughter, right? So you were hiring someone's nut throughout those processes? Kind of. So the stud was owned by my co-owner, so we didn't pay anything for the nut on this one. We paid, you're going to hate me for this one. We paid $2,500 for the nut for Leah. Uh-huh. Yeah.

Now, okay. You kept one, you got 50% and you got rid of one. Did you make money off of that? No. How? Because we, so we paid five grand for the medical fees, $2,500 for the stud fee. I sold that dog for $2,000. Oh, good.

Yeah. $12,000 for a third of a dog to make $2,000? Yeah. Of which you paid $7,500 to produce even. So we're not to the best part, right? So. Okay, the stud. You own, what was it, an eighth of the stud?

What did you pay for an eighth of stud? 5,000. You fucking make $2,000 off of a f***. For an eighth. Yeah. Okay. Yeah. Good.

Good, good, good. So, grandma had another litter. So grandma's, okay, I appreciate that. Yeah, so grandma had another. With who? With somebody that we owned. You paid for not. No, no, no, no, not on this one.

Not on this one. This was a stud that was owned by one. my co-owners, so it was like, yeah, cool, whatever. Okay, had a litter. What was the makeup with the litter? It was four dogs. Okay, four dogs. Yeah, four dogs. Yeah, four dogs, right? So we'll just, whatever, four dogs. No, no, no, now, to be clear, if you own a third of this, but there's a nut from another thing, your dilution is probably more, right? You're diluted. So I own one third of all of those

dogs. Wait, really? Yeah, because it doesn't make any sense. There's a nut. With the nut, not bring also an entire. No, no, no, because when you're co-owning, the nut is free. If the stud is owned by one of your co-owners, then it's one of those things where it's like, okay, we're going to use this dog. Okay, so you own the third of grandmas.

Yeah. So I sold one dog for $2,000. And then the rest of the litter went over to... Whoa, whoa, whoa, whoa, whoa, whoa, 2000. So you got, well, what is that? $670? Yeah, $660 or something like that, right? The rest of the litter went over to the Tri-Cities to my co-owner.

Why? Because she was better at selling... dogs. And then she stole them. The whole litter. What? Yeah. Does that mean?

Full radio silence, stole the dogs. There was conversation of us going and kicking her door down and taking all of her animals. This is the mob? The mob for dogs? It was getting there. It was getting there. We ended up trying to be good people and we left it be because it was one of those

things where it's like... I don't know if that's good people. I'm not going to jail over... Well, no. I think there's a difference between doing nothing and breaking in someone's door. Yeah, there's a difference and there's a middle ground.

Of which is what I would have done. What I did was I commented it all on all of her Facebook posts and I started talking my shit and trying to leave a little bit of a mark on her business but obviously that's not going to do all that much. Not in your position.

No, not in my position one bit. But yeah, she stole three dogs from me. I hate this woman with a burning passion. She's a terrible human being. Hey. Yeah, so that litter just disappeared, right? Leah was, sorry, Leah was going to have a litter.

I didn't really want to have a litter with her. I hope you're not having it with her. Hey, what I do in the comfort of my home, right? Anyways. No. No. So we talked about having a litter with Leah. I am contractually obviously, me and my buddy, my actual buddy, who I co-own all of these dogs with?

The nut would be cheeks. Oh, cheeks. Okay. Yeah. Who we would use for free because I own an eighth. My buddy owns an eighth or a quarter or something. So, yeah, there's a dude who owns half of the dog. That's who made the dog. Then there's a dude who owns a quarter of the dog who the guy sold him to. Oh, good. He sold half of his half because it was a 50-50. He sold half of his half, which would be a quarter to my buddy. And my buddy sold half of his quarter to me. Okay. So a litter happened? No.

while they aborted? No, we were getting ready to go with Leia and then we got an offer for Rolex. Rolex is a dog. Is a dog who has amazing genealogy. She's like a one in a million dog comes from like all these big dog names, right? So we got an offer to take Rolex for free. We took Rolex.

So now we're going to put cheeks toward Rolex. which is my last contractually obligated litter. Today. Like you're doing this now. In a couple months, March. Wow, so this all leads to now. So you've done nothing but lose tens of thousands of dollars. You know, I've been taking care of stuff as it's coming,

but it's putting me in a really tough position. Uh, yeah. By the way, why is a third of a dog $12,000 when the litter of that dog is $2,000 a dog? Well, so the, these people had also just gotten into the business. Their first year, they made $200 grand. cash out made money the economy crashed wait when uh COVID so like COVID's when everyone was spending money on dogs you remember when everyone got a dog COVID yeah and then the end of COVID right so

you had to COVID the economy was doing fine inflation okay the market crashed but the job market was still good yeah but nobody was spending 8 10 12 15,000 dollars on a French what in general that's insane You're rich people, man. But yeah, so they made 200K, right? And that's what I got in on the premise of. And then, you know, a year went by, I had a litter. I didn't get anything from that litter.

I bought half of a dog from that litter. They made money on that litter. Wait, you were trying to sell Colton one. Well, no. Trying to sell Lindsay one. Oh, you were trying to sell Lindsay one. Well, she has a friend. Yeah, and she wants another.

Well, I love her dog. Her dog's veto. I'd make a trip down here. Like, I have no problem doing that. Just saying. Do the math for me. How much does this all cost? Not after earnings.

How much is it cost? Medical bills and everything. Do the math. So five, ten. Okay. I'll do it. 25. 30.

35. Probably around 50,000. Including medical purchases. Nothing a year on that? To make $4,000. It's, um. you look about as happy as I am on the inside. Not a good return on investment.

No. No, it's been a travesty. It kind of is an MLM. It kind of is. Because the fact is, you're buying into it. With the hope to, like, sell your product. Yeah. Like the people that made money were the ones that owned all of it, made dogs, sold them off, and now they're selling a percentage of it because they made money. So they're like, look how much is worth.

Give me a shit done of money. And like an MLM, I am trying to sell to other breeders. So, so, so, so, so. Sell to other breeders. So who? Dogs. Oh, it really is an MLM. So you breed the dogs.

The dogs that are born, you're like, you will make money off this dog. There are dogs that are, there are dogs that are pet animals. And then there are dogs. Yes. Yes. Yes. Yeah. There are dogs that are specifically designated to be pet home animals.

There are also dogs that it's like, holy crap, this is a nice enough dog that there's probably going to be somebody who wants to make dogs with this dog. And you're doing this all in a 700 square foot. home. Well, so... What the f***? How many dogs are in your house? Six. Five Frenchies and a blue-nosed pit bull. Oh. Yeah. Oh. We clean a lot. Who's we? Me and my girlfriend. You got a girl. Lisa. That's her fake name. Oh, okay. Does she know you lost $50,000? Yes. Yeah, she's very aware. And her thoughts on that after dating the guy for two years, two and a half years? Yes. And two and a half years means we might be going towards marriage. She's okay with Marion.

Yeah. Why? Because. I'm afraid with the dogs. You're going to breed her soon. I have a really, but I have a really good plan, generally speaking. Like, I know what I'm trying to do. Oh, good. I'm trying to be, I'm trying to be debt free in the next 12 months. And I. Yeah, I have, have a map. Like, I know where I'm trying to go. Yeah. Show me. It's in my head. Fuck it, though, bro. It's your life. Errace and draw, then.

We go back to drawing. My total monthly bills, 4680, right? So. I hope we'll see. Okay. That's like what I owe to people, not including... That's what you owe to people. Not like individuals, but like banks, et cetera.

Like my house, my car. Yeah, you spent hundreds more than that, by the way, last month, but keep going. Yep, yes, I did. So 4680 is my monthly bills. Not including food and gas. In this plan to solve this so the girlfriend can marry. She's still married. Yeah.

Your girlfriend is married to another man. They've been separated for a long time. Gosh, she is married to another man. We are in the legalities of it right now. You've been dating for two and a half years. Yeah, there was a whole plan. There's some finikiness to it. you've been dating for two and a half years

yeah to a woman that is married yes sir what the fuck is going on I mean there's really not too much of a story to it they were married for a long time they were separated for a long time she stuck around because his kids not her kids his kids

were like family to her so she was you know parental and they stayed together they moved to America because she's German and you know They were separated and then eventually, you know, we met and... What the fuck is taking so long? There's not really an answer to that.

We just need to get it sorted. We're in the works of talking to a mediator right now. In the works to talking to. Look, private student loans can make you feel like you're one miss payment away from selling your grandma's hairlums. We miss your grandma. Why Riefi says, chill out. No more sacrifice in the family jewels. They don't reduce you to a credit number.

they actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired a monthly payment so high you can't afford a single sweet treat, WRIFI has got you. They'll rearrange your payment plan, ease the monthly hit,

and even let your poor co-signer off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, Guess what? 4.6 stars in Google says Y Refi actually picks up and treats you like a real human. Shocker, right? In finance, that's about as rare as me not slamming the desk every single episode. So, if you're done fantasizing about robbing a bank, don't do that, by the way.

Check out Y-R-R-R-E-F-Y without selling your kidneys on the black market. Head to Y-R-E-F-Y.fY.com slash hammer. That is Y-R-E-R-E-Fy-R-E-Fy-E-E-E-R-E-E-E-E-E. Or call AAA-9-9-7-3-9-7-8, and see how a real personal approach can help you escape the private loan nightmare because let's be honest living with crippling debt until your 90 is not the retirement plan you dreamed of want to know a dirty little secret and now i'm not starting an only you're not broke because you suck 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 dollar-wise 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 Dollar Wise today, you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Or are you talking to?

I have talked to a mediator. We need to get it sorted. He is an interesting character. So we need to get him on board with it. How long have you guys live together in this two and a half years? is the dating? A year and a half. Okay.

And you paid for her moving cost the main to Spokane? We paid for it. Who's we? You and her? Yeah. Well, okay. Could you afford that

10,000 hours a year? No, we also couldn't afford the move, but we did it anyways because it was kind of like a closing window. Why? Because he's angry. And it was one of those things. In a murdery fashion?

In like, I'm not going to let you have your stuff fashion. And then he finally said, Yeah, you can come get your shit. So we sent some people to go get her shit. Okay. And I want to make...

Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals. Because we're built for what you're building. Fit for your ambition. First Citizens Bank. I'm sure I'm understanding this right. You got into this pit bull thing, not pit bull, bull, bull, french bulldog. From a friend?

Yes. A friend. Sold you on this. Yeah. Are you guys still friends? Yes. Really? Yeah. Old's insane you're not.

No, no, no, no. That's a different friend? Yes. So you got the 700 square foot bullshit house with another friend? Yes. You're on a mortgage with another friend. You get talked into everything. No, no, no, no. I kind of talked to him into it, honestly.

Oh, you're manipulative too. No, it was very, very amicable. We were talking about buying a house so that we could enjoy our life together. You and a friend. That came out a little weird. Are you a homophobe? No. I'm definitely not a homophobe.

He was my best friend. We lived together for a long time. I moved out of my mom's house when I was 16, moved in with him and his mom, finished high school. And then we were talking about... He finished you off sometimes as well? In an emotional way. That's more gay. We decided to get a house together because we're like, we don't want to rent.

And I was like, hey, if you'll help me buy a house, then when, you know, in a couple of years, I get my shit straight, I will buy you out You never got your shit straight by the way Correct Okay But I'm trying You offered what I offered to buy him out of his equity of the house

What is all these handshake deals That you're making with everyone left and right It's a mess Trusting Well you What Trust it Dude look where you are

This hasn't worked I mean it's gotten me where I am Like I have a house of my own I'm 700 square foot house That is hard to sell With a beautiful little yard And it's hard to sell It is hard to sell

But I'm hoping to rent it. It might be okay for rental. Maybe we'll see. I, so I bought it for 235, like everything included, and now I owe 247 is the other part of that. Anyways, getting back to the original story. So me and my best friend were like, yeah, let's buy a house, let's get somewhere that we can do our stuff, right? And then me and his girlfriend, I still consider one of my best friends. We're not talking at all. I love him to death. Yes, it's a rough situation. Me and his girlfriend didn't get along

very well. I was dating a horrible human being. Actually, I was engaged to a horrible human being. Oh, engaged? Yeah, she ended up cheating on me with her ex-husband. Did he have hair? I think so. I did too at the time, though.

We got into the house, and me and his girlfriend didn't get along. My girlfriend was sticking forks into light sockets, like terrible human being, just trying to fucking everything. Was she actually doing that? No. Like, metaphorically, she was trying to burn my... my friendship down. She was like trying to isolate me. She fucked another dude. Yes, she did.

That's the big one. Yeah, that's, yeah. But I care more about the fact that she ruined my friendship because she... How did she ruin it? She made it easier to ruin. She was telling him, oh, well, you're too fucking late, this and that. You can't be in these celebrations and everything. Like, it got to the point where he didn't even feel comfortable saying happy birthday to me. Did you break up with her? I did. After I figured all this out. You didn't know? She was sly. She was sly. I knew when.

she f*** the dude. That was when it all ended. How'd you find out? Because we had Life 360 and she didn't hide anything. And it was just like you're at somebody else's house. For ex-husband? Yeah. Husband. A couple years ago. You're 26 now. And she was your fiance. What is your life? Wacky. Let me see what she looks like. Yeah, I can't click on her profile. So I might have to give you her name. Profile on what? Facebook. Good news. I have a Facebook. Who blocked who? I said my piece and she blocked me.

What'd you say? That she was a dumb cheating horror and that she deserved to get like she f***ed him. Is that there? Yeah. I'd rather cut my dick off and play tennis with it than help you with anything. She said, that's fine. And then you say, perfect. If you could, please refrain from any future contact.

I'm attempting to lower the amount of data. dumb cheating f*** in my life. She said, never cheated, just left, but I got it. Thanks. And then you say, LMAO, you're full of shit. Bye. Okay, I'm going to have to try and dig through my photos because I can't find her on your Facebook either. It's interesting. Your response to cutting off your dick was a response to a message that was from her after a long, a couple months of nothing,

where she said, I hope you're doing well. I messaged Shoe and I saw her and got married. I know this is a weird question and I'm sure you don't want to hear from me but I was wondering if you could tell me the games we used to play on Xbox together. Yeah. And then you said I'd rather cut off my dick.

Can't find her? No, I can't. In Instagram? I don't, I mean, I'm sure she has one. I barely use Instagram. Here, put it on her name then. And that destroyed your friendship with the guy? You couldn't resume it and say, like,

Like I said, me and his girlfriend also really didn't get along. And there was a point where, you know, it was kind of a blowup. I was like, hey, you need to... Fine. Why didn't you get along with his girlfriend? It's hard to say this because I'm still trying to, like, repair that friendship. But she hadn't had a job. She was, in my eyes, kind of a user.

And she... A user of drugs or him? Him. And she, I'm just going to look her up real quick. she did things that I just didn't really appreciate she wouldn't say much about... But you cannot like her and hold your tongue for the sake of your boy.

Well, yeah, but when there are literally dirty dishes in the cupboards because she can't clean things and there are... Yeah, that sucks. Does this mean you have to be horrible? I don't know. Well, and I wasn't even that horrible. Like, the last conversation that we had,

I was like, hey, you need to make sure that your girlfriend is doing this and that. And he's like, well, you should talk to her yourself. And I was like, I, he's like, she's right behind you. And I looked at her and I was like, I'd love to. But every time I bring anything up, she just breaks down in balls. And then she like made a, ah, face and then started crying. And I was just like, yeah, I don't know what to do with this.

I was like, see? And then he's like, all right, well, as soon as you can get me off the mortgage, blah, blah, and I was like, okay, well, I can cover the bills right now. So if you want to go, you can go. And then he left without any money. And that's the six. And how long is that bad? 2023

and a half and yeah that's the $6,000 that I And who's being petty to who? As far as what? This friendship, you're trying to rekindle. I mean, I've reached out to him And I was like, hey man, you know, I quit drinking

I'm doing better with myself And like I'm really sorry how everything happened And like if anything that I did was shitty or whatever, you know And he said He said, I appreciate that I'm glad there's no bad blood And then that was pretty much the end of it Like there was no further communication

You didn't say let's go get a good a drink or get coffee or? I tried to. Well, I didn't try to say that, but it was one of those things where I just felt like there was no openness for communication. That man used to rub oil on her head before he went to bed in his mother's house. You can ask him for coffee. Yeah.

Maybe we repair this friendship in the post show. Maybe we call the friend in the post show and we repair a friendship. Yeah. It's worth it stop being a pussy. Okay. All right. Fair enough. Listen, I've lost friends once in my.

life. That sucks and sometimes people can be kind of petty middle schoolers and that is hard to deal with but it doesn't sound like either of you are. So it's repairable and worth it. Wow, I did delete all my photos of her. Oh my, okay, just show me a picture of you with hair. Oh, there she is. Oh. Listen, I mean, I don't know. It's just one picture but she's kind of cute. Wait, is this the current? No, that was my previous profile picture. I don't, I don't care to update my Facebook very often. I am not one for social media very much. My with hair when I was like 100 pounds lighter.

Yeah, that hair was that was that was that hair was it was running away. That was. Oh yeah. That's when I was trying to cover up the baldness. And let me see the current boyfriend. Girlfriend. Sorry. You seem very gay.

And we love it and we love it. I'll just let you look through her profile pictures. Own it all. Pay off your home. for life. Drive a Ferrari. In celebration of the world premiere of the Monopoly big board buck slot machine by aristocrat gaming, Yamava Resort and Casino and San Manuel is giving one person a $1.6 million dream package. The biggest prize in Yamava's history. Club Serrano members can earn daily instant prizes and secure a spot in the finale

May 29th. Don't pass go and own it all. Only at Yamava, celebrating its 40th anniversary. You win? Details at yamava.com must be 21-20. Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. She's pretty too. You do okay. She's gorgeous. I love her to death. She's amazing.

Yeah, you do okay. And she's German, so she's actually got values. I'm concerned about the rings, though. You know, piercings. Oh, with the piercings? Very, very, like, vote in a communist type. Oh, my God.

Person. We don't talk about politics much. I wouldn't with her. Yeah. She wouldn't with me. She will cancel you. She will call you a predator. No.

Okay. What do you think your finance score is? Zero to 10. Zero being the worst, 10 being the best. Half. 0.5. Oh, okay. If you want your financial score, take the assessment. It is free at Calebhammer.com.

See where you stand in the world of money, where you need to get your shit together, where you're doing pretty well and what you need to do to fix it. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise budget and app. New features being added every single month. It's incredible. It is incredible now. Tenths of thousands of subscribers for a reason who are changing their lives.

Check it out. There's a free trial, dollarwise. Dot app links in the description below. Save a lot of money by switching to the annual version if you like it. And when you do, only for two more months, I will personally sign my budget-friendly cookbook and mail directly to you. After that, they're going away forever and there's no way to get them.

Check it out, dollar-wise. Dot app. All right, let's get into this. Let's get into these numbers. I finally, I mean, I got your, I got your little lore. Okay? My little lore. Your lore is so stupid.

This dog thing is one of the most idiotic, most moronic things I've ever heard in my life. Ever heard of my life, okay? And your current girlfriend looks like someone who is the opposite of able to manage finances in every way whatsoever. Because they're usually the people that spend 98% of their life protesting instead of making money. So I understand why she doesn't care. I understand why she doesn't care about your complete financial disaster because she's going to expect to bailout from someone else later. I strongly disagree. No, she's on a fiscal plan with me.

It's been a tough couple months. That is true. Listen, here's the reality. Here's the reality. I need to learn about. your plan because then I'm going to go through this and I'm going to find out your plan's probably bullshit. But the reality is the first statement's a mortgage.

Yeah. They never put a mortgage first. You know why? Because the mortgage is boring. Yeah. If it is first, that means something is f***ing. Meaning you are f***t. Oh yeah.

So tell me. In three years. Okay. Well, why? Well, the first one is to get my buddy off. And then the second one. It's relatively fair. So he was on the mortgage.

Yeah, he was. Oh, I think, okay. Yeah, no, there was no way I could swing it on paper by myself. What did that refinance look like? It looked like a painful. I, you know, that's why I'm at 247K on something that I originally paid 235 and a half on. I do have a little bit of equity in the house at least. But yeah, no, I'm above where I started at.

I'm supposed to be at like 265 for property value right now. I'm in the address. Yeah, I mean, the interest. straight. It's 6.3. It's kind of in that normal range for today. It's obviously not those beautiful COVID rates for sure. But the fact is, I get a monthly payment, total amount. Yeah, it's because you're overdue. You're overdue a payment. That's why it's here. You're overdue a payment on a 700 square foot house that you keep 12 animals. What the fuck is wrong with you, dick? What is Dude.

Dude, I'm sorry. A small gust of wind and this thing is gone. So it was built in 19. This thing is falling apart. 1922. Listen, do we have consent to put images with things blurred on screen? Yeah, I guess that's funny.

Okay, so let's make sure we do that. This, even though it's on a slab, is, I kind of want to shit all over this, but this is worse than a trailer. Bill in 1922 as a chicken coop. Oh, you live in a chicken coop. He's refinanced the chicken coop twice in three years. Yeah.

It's actually a pretty cool little story. So it was built 1922 as a chicken coop. Some down-on-the-luck family members moved in in the 50s. And then they put... Yeah, only down-on-the-luck would move into a chicken coop. And they lived there without running water for like a year and a half. And then they put an addition on with a bathroom and a bedroom. And they put a sink in, they made it a little kitchen.

And then late in the 50s... Also, fuck you equity position. No, because Zillow is honestly usually very generous in terms of what they give you. And Zillow has gotten better over the years. But it literally marks it as you having an equity position of like $5,000. You having an equity position of $353. Oh, what? That's insane.

And that's the generous platform. That's insane. No way you're not negative. And even if he sold it today, you would be having to write checks. Yeah. Uh-huh. Why the fuck would you buy this? I'm sorry, I've never called anyone's this

because usually homes a home and it's nice this piece of shit. This is a piece of shit. It was completely torn down and renovated in like 1999. I have the pictures of what it was when you bought it. Yeah, the exterior is a little rough. And I would never say this about anyone's home. I really

wouldn't and I never thought I would. This thing's a piece of shit. I'm sorry. I strongly disagree. But D, we are putting images on screen. This thing is a piece of shit. I would rather have a trailer. Any and every day.

No, I would rather live in a camper, a camper that expands. You're crazy. No. Campers are, no. No. Guys, everyone, I'm sending this link to the, to the chat right now. Most of the reason that I bought it was the backyard. Places have yards.

Yeah, but it- Places have yards, dude. Plum trees, cherry trees, pear trees, raspberries, blackberries. Buy those. Buy those. Raised garden beds, fully insulated shed. Oh, okay. Review of the house, everybody. I love it.

I'm not trying to meme on someone's house. We never do this, no apartments. But the fact that you have a negative equity position if we're being real, on a pretty crazy balance for that. It's also a direct stepping stone. I mean, it's not somewhere that I intended to be for more than a few years. As soon as I get, like, bad debt-free, I'm planning on, you know, putting as much money. I'm glad you're able to speak unreasonable terms.

But shut the fuck. I'm sorry. That's, come on. What are we doing here? Enjoying in life, man. I don't think anyone would enjoy living in this. Okay. Well, I have a lot of shelving units.

It opens the space up a lot. He put in shelves. And your girlfriend, when she saw this place. She thought, I think her exact words were, it's quaint. Yeah, she really wants to move. And you're over. Yeah? She really wants to move.

Me too. And you're over, your past due on this. On this. So, guy. What is possible? By the way, on this. that, which you just saw, of which you could rent something nicer than that, objectively borderline anywhere for less than this.

But his normal minimum to be payment is $1,9333.32. What's even the purpose of purchasing this? I do not understand because you don't have an equity position. You got it with a friend, which is objectively stupid. And rent would be cheaper. In what way possible, for a better place. In what way possible, this is the dumbest home purchase I have seen. I hate landlords.

Dumbest home purchases. I hate... I went to nine schools. tools moving everywhere and dealing with a bunch of bullshit. There's a difference between stupid and... In looking at that, now you have to remember there's 12 animals living there. Oh, 11 of them are tiny. Average two-bedroom home house with yards, rents in Spokane, $1,590.

Your mortgage payment is usually a three-bed two bath in terms of rent at a nice place. That's not what you're actually going to get for a mortgage in Spokane. I mean, I look around a lot. I'm getting rent, asshole. Well, you said your mortgage asshole. Yeah, your mortgage would pay for a nicer three-bed, two-bath, place with the yard asshole rent. That is true. Of which you don't have to sell and write a check to sell.

Yeah, but I'm not planning on selling it this year. You do not have an option. I'm planning on building it up a little bit. No, no, no, you are not building. You're not adding on to this house. The only item that I want to do is I want to put a closet, like a real walk-in closet. That's all I want to do. It costs me like $5,000.

and it would make everything a lot more comfortable and then I could rent it out very easily. Who's renting that? Who's rent? No, no, no, no, no, no. Because you get, again, we just pulled the average two-bed, one bath, nice places is $1,500 to rent. Who are you renting this to to cover your mortgage?

I don't think that's the reality in Spokane. Not the reality. Okay, when we pull analytics is not the reality because you feel. Because you feel. I'm glad you feel. When I looked for something to rent, anything around $1,500 was like a fucking apartment. I don't trust your look. Look, your look is dumb.

And also, that's gonna, come on, that's lower the total pole rent. But either way, terms of a property that someone would rent that is lower the total. Maybe in like Brown's edition where you're surrounded by gangsters and drug addicts. And you call them Browns? No, it's the fucking edition. The guy who, the guy who built Brown's edition was Albert Brown or something. Every neighborhood in Spokane is named after somebody. Can we call Tyler in here?

What did I do? I just saw you. Tyler, I have, what happened? I have concerns here. What happened, Kayla? What did he do? He called drug dealers and criminals Browns. No.

There's a neighborhood in Spokane called Browns Edition, and it's named after some white dude named Albert Brown or something like that. But no, it's the shitty part of the town for sure. So you call it the Browns? No. It was called the Browns Edition. It was actually really nice in like the 40s, 50s, and then it collapsed. Why?

Drugs. From drug addicts? I mean, there's a lot of fucking stuff. Spokane in downtown. I mean, yeah. Fucking fucking some. So who lives there, though? Like, what kind of people?

Like, what kind of people, though? Well, so we have bloods and crips in Spokane. Like, quote unquote, you know what I'm saying? So, I mean, there's a dude who walks around downtown. His name is blue. Then what color is blue? I don't know. He's always wearing a blue track suit, though.

So, like, what's his, what's the skin tone, though? I think he's black. Oh, man. But that's not my fault. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime.

This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weeble and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with acorns. Typically, the sign-up bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money, I get money. Enjoy! Links are in the description below.

You asked for it, and I'm delivering a way to connect the dots to see how the stuff we talk about applies to you, your money, your debt, and your goals. The wait is over because master your money, my all-in-one personal finance platform is finally. live. Inside, you'll get access to all of my courses, budgeting templates, calculators, a community of like-minded budgets, exclusive content, weekly tips, and free access to the Dollar Wise Premium budgeting app. Learn everything from budgeting to investing,

tune in weekly for behind the budget, a Master Your Money exclusive, and join members' monthly challenges to celebrate your wins. And since this Black Friday, I'm giving you access to our members' exclusive audits, financial audit post shows, and more insider content in our newly upgraded Hammer Elite 3.0 membership. I've wrapped it all into what I'm calling the ultimate hammer bundle. Sign up for Master Your Money today and get lifetime pricing at just $39.99 a month, over $100 in annual savings and access to the dollar-wise budgeting app premium version. We're the Hartford, with decades of experience ensuring millions of unique small businesses. When it comes to your small business insurance.

Thank you. One size, absolutely, does not fit all. Get a quote or find an agent today at thehart.com slash small business. One month of Hammer Elite 3.0 for free, plus a free budget-friendly cookbook that you can download. This insane offer ends after Black Friday. So if you want to master your money, click below and get started today. Okay.

A brother made blue. I need a racist score from our friends, 0 to 10, 0 being the least rate. 10 being the most racist. See, I don't feel like he's intentionally meaning to be. I'm just going to give you a smooth six. It's Hall Brown's edition, man. Smooth six. We talk about blue, blue is crazy.

Blue is crazy. If you want to figure out how racist you are, go to Caleban.com for it's less racist. Take our racist assessment, see if you need to see where you need to improve your racism or you need to let off the gas a little. That's a thing? We have that? It is now.

No, it's a crazy city though. Do I need to get them back in here? What's crazy about it? Because there's like the so downtown is a slum. It's horrible. I mean, there are apartments that people pay exorbitant amounts of money for. And what else is there?

Are in shitty neighborhoods. Drugs. And all sorts of people. Drugs don't kill people. I'm pretty sure drugs kill people, Caleb. Yeah, drugs help people. Yeah. No, I got into a nice little area.

It's where they were building railroads back in the day. and it's coming a long way. There's a bar on my block and I hate it. A what? A bar. I want to burn it down. I hate it.

Don't say that. That is a worry. Okay, listen, you are past due on this mortgage for a shanty. Well, so hot. For a literal coop house that you are now breeding, breeding, your girlfriend's probably not even willing to get bread in there because she wants to move. She wants to flee before her child ever comes. Yeah, I don't plan on having kids in that house.

But you plan on renting it, which doesn't mean. make sense for the median rents in that area for places that are nicer. So how are you doing this? See, but if I can pay a couple hundred dollars a month to rent it out and then eventually have some sort of equity in it that I can then sell it and walk away, I'm cool with that. I'm not trying to necessarily make money on the house. I'm trying to at least break even at some point. Oh, your realtor that helped you buy this house was your friend?

Yeah. You have bad friends. You have bad friends. I think I'm just too convincing. What? No. Because she kept telling you like, you just let people use you for their own. No, she told me you need to look at this many houses. And I was like, okay, but I want this house.

And she's like, we'll go look at it, but we need to look at more houses. And then we looked at a house, we looked at a house, we looked at the house that I'm in. We looked at a couple more houses. And I was like, I want that house. Trading at Schwab is now powered by Ameritrade, giving you even more specialized support than ever before. Like access to the trade desk, our team of passionate traders ready to tackle anything from the most complex trading question. to a simple strategy gut check. Need assistance? No problem.

Get 24-7 professional answers and live help and access support by phone, email, and in-platform chat. That's how Schwab is here for you to help you trade brilliantly. Learn more at Schwab.com slash trading. I chose that house because it was small. I really don't. Okay, care credit. What's going on? Okay.

So I guess I guess I. I do have some dog bet. I had a litter of dogs, man. It's five grand in medical bills. How's this even worth it to have these litters? It can't be. It was at one point supposed to be. It has not been.

Well, it was a trend. I love French bull dogs. But come on, just like everything, it was a trend. I mean, there were dogs selling for $250,000. Yes, exactly, because you were in a bubble. Yeah. You were in a bubble. And it popped.

Yes. Yeah. And you still owe on it. And you owe these personal people friendship loans as well. Right still? Yeah. Of course you do. Did you pay?

How much have you paid back of the 12,000? What 12,000? You purchased a third of your first dog for 12,000. That's paid. How? You've made four. Swung shit. I mean, I didn't pay it with dog stuff.

At that time, I didn't have any rent because I was still living with my buddy. I was freshly 18. We had just finished high school. Freshly 18? I was a brand new adult. What did you get groomed? Like, what the fuck you're talking about freshly 18? I'm just being.

being a... No one says that for any other age. Why are you trying to infanilize yourself? Like, oh, that was freshman 18. I couldn't do anything. I was an adult. I spent $12,000 on a fucking dog. Obviously, I made mistakes.

Obviously. Yes, I was an adult. She said freshly 18. No, weirdo. Because it's weird. It's setting up to infantilize. It is so TikTok bingo. So I was 18.

I didn't have any rent. I was living with my buddy. We were talking about buying a house. And then I was like, hey, I'm going to drive to Tri-Cities and pick up a dog. So I went and picked up a dog. And owed a bunch of money. And so I paid all that money and then bought another dog and took out a loan and then bought a

house. And this all happened in like a year. And like I was paying off the loan. Okay. You still owe $4,763 on this, which by the way, minimum fee payment only, which is all you do. At like a 32% interest rate. Oh yeah. How long does it take the payoff?

No purchases. Of which you'll purchase during the breeding. Yeah. At minimum, I think it'd probably be like 15 years. 18 years, dude. What are you? You'll be in your 40s. What the fuck?

So it's not deferred. Well, it was deferred. It hit, obviously. And then you're going to max it all the way up to the 7,000 when this new breeding hits as well. Yeah, I'm probably going to do that. Yeah, no shit. No way. And then you're telling me you have a plan.

$159 is your minimum fee payment. It's insanity. It's beyond insanity. You've had. Interest, $1,323 this year. Yeah. For past that bullshit of death, this is disgusting and insane and stupid. There's no fees on this.

Okay. So when you miss a payment, like even by a day, right? Yes, that is a late fee. Welcome. I know. But what I was trying to say is that the late fee on that is the entire payment for the month. Okay. You said I had a plan and you didn't draw it.

Show me the plan. Very hard to not get the late fees on that. Your plan of which you failed immediately when you told me what your minimums were, because you spent more than it last month by hundreds of dollars. So yes, tell me your plan, this grand plan. So special plan. 4680 is all my bills. I'm trying to spend 300 a month on food, which...

What? Is that on a bill? On my debt's owed. Mark it. Mark it. Mark this shit so I can follow along. You're just putting numbers. Food. Debt. Ah.

And just like usual, I'll let you use the Fizz card because at least it's a debit card that builds credit. Yeah. Like what the f- because you cannot spend money. you cannot control. Debt's. Debt's being credit and all that. 4680. That's insane.

4680 is your credit when you bring in, what did you say? No, so 4680 is home. Wait, you told me you bring in $4,158 a month.

Yeah. And then my girlfriend pulls in like 26, 27. Why does your girlfriend matter? Because... Why is she contributing to your bills? Some of it is her debt. We have a credit card together.

And then she also helps with the house. You have a credit card together with your girlfriend who just moves in a year? Yeah. So she has a credit card. I'm on it. Oh, why do you do this with everything? Everything.

Thing. Keep going, because it's already broken, but sure. Yeah. So I make 4,100 income. She makes, like, 2,600 puts us at 6,700, right? So total with getting by. Okay, so I forgot. Gas, about 300.

Oh, this isn't even a point to have. this conversation, it's broken. It's not even working. So, keep going. We're at like 52 for to survive, right? 6,700. By the way, the girlfriend reminder that is providing money to this and that he's on a credit card with is married to another man. Just reminding

everyone. Continue. So 6,700, we're total looking at 50 to 80 here. So that puts us at, what, 14, 20? Left over. No. Here, let me do the math. Let me do the math.

Let me do the math. Can I see? Give me this. Okay. Okay. Add this up. Okay. He doesn't believe me.

Well, so far it's not working. I'm doing the equation myself. A 300 food gas, 350. I got the tism. I like numbers. Yeah, you don't listen to them. Okay. If I did my calculations correctly, and I believe that I did,

I believe it adds up to you are dude you are f*** and that is the math and that's fair like what that doesn't make it any sense you spent more than you made last month I don't understand this girlfriend thing

who even knows if she wants to stick her out I don't know why she would but I I okay I don't know man STC you credit card it's my least favorite credit card I hate that why do we have favorites and least favorites when it just comes to your

so I don't know I don't spend on it, honestly. The reason that it's over max, the reason that it's over max is because I have overdraft protection. And I keep getting bit in the ass because I... Wait, overdraft protection on a checking account, pulls from a credit card? Yeah, and I need to turn it off. I need to take all of my bills off of it. That's a co-reddit card?

Well, and it's... It's... It's super, super... Are you telling me you've had $3,642 and $76 of overdraft protection? No, no, no, no. That f-you not spending on this. It's a few. long time since I spent on it.

It's predatory. I don't understand how credit. Auto draft if you got f***ed by all of? Yes. $73 minimum payment. Yeah. Fingers! You're going to be 61 years old.

You're going to be two years past being able to take money away from your tax, advantage, retirement accounts. If I paid minimum. That is... Of which you can't even do anything more if we're being completely honest across the board. You, your math is broken. You're f***. Dude, you had fees. You have fees. What's the fee? Oh, what's the fee? It's a $5 cash advance charge every time it overdraft protects. And the other side. The other side of that is I also get charged with a $29

overdraft protection fee on my debit account. Yeah, I ask myself that often. Yeah, you do nothing. You Ask yourself that and yet you do nothing. Ew. You're lucky the interest rates range between 16 and 22%. But even still, you're overdrafting every second of your life. Why are you overdrafting? Dick? Huh?

Dick? Why? Because I have too many auto pays and I apparently don't pay enough attention. Attention? Miscellaneous bullshit alone is $511. $0.24. Not paying enough attention. Fuck you.

What are you talking? about that's honestly better than i thought it would be better that oh no that's the reason why you're overdrafting you you're spending money you do not have it is unacceptable it is disgusting who what is wrong with you i don't get it you're over the limit on there you're overdraft protection endlessly fees fees fees fees fees did you stop and buy that no what did you get that from colton gave it to me it's from the fridge we have monsters usually we're a gamer Well, I'm pretty sure he threw it in there because I told them that I like the white monsters. Oh, fakes sake.

No more. You can't afford that shit either. Here, free samples. What do you want? You want goof juice? You want, uh, insult tears? Sure. Insul tears is actually pretty good.

They're very goony, but that is gamer stops. No more buying energy drinks like that for $3, $4 from the gas station. I don't give a what you like. Make a, make them a home. 25 cents a serving gamer subs. A link in the description below, 10% off with my link, by the way. So you can get even less than 25 cents to. You can also get your free samples link below.

Type in code Caleb. See what flavors you like and then order them. Make your coffee at home. No more bullshit spending. Make your energy drinks at home. No more bullshit spending. This is so stupid. Well, that's part of the bullshit spending this month.

We have ourselves a nice new coffee maker. As long as you at least make coffee at home, how much does that cost? All of the... Oh, about 300. Quick silver. What's going on? That is our... I see transactions.

are? Our one with you guys together. So stupid. Why? Why did we do this? Well, she opened it because she needed to start building credit because she's a new American. I'm on it because there was the occasional time where it's like, honey, I need to do X, Y, or Z. She is German. That's why she looks

a little bit freaky. Okay. No, never mind. She's not. I told you, man. Never mind. She's not a cancely person. She's just like, like, she's just doing her shit. Deep down in her heart, she still has a little bit of love for the fewer. She's, you know, there's, she's just a bit freaky. She's just a bit freaky. Oh, yeah, we make a lot of Hitler

jokes. Oh, I'm sure. And she throws that and hile every time she gets her. I've tried to get her too, she won't. In her sleep. She's a sleeper agent. Why are you on it? It was just

convenience, you know? What was convenient? For who and what? There were a couple of months where we threw a little too much toward our debts and got pinched and spent a little too much on some bullshit and there was a, like, I needed gas type thing because I drive about 3,000 miles a month.

Why? So. For the dog shit? No, no, no. So the company that I'm with, right? So I'm trying to be done with the dog shit. Okay. I've lost way too much money, as you're aware.

Uh-huh. So the company that I've been with, I've been with them for a little over a year at this point. But when I was coming up on like my 11th month, they told me that I'd be stuck at the assistant manager position for years. Okay. And so I went. Because they were just telling me like, hey, yeah, we're going to need you to prove you're able to do this, blah, blah, blah.

And I was like, okay, well, then I'm going to go get another job. So I went and got another job, worked there for four days, and then they're like, hey, you want a store? Okay, so why are you driving? Because the store they gave me is in Idaho. I drive 51 minutes to work every day. And I do sales calls every Tuesday. Oh.

Yeah, so that's why I went and bought my little Mazda. Because my truck gets like 14 miles away out. You know, $2,876. $0.82 on this quicksilver card, which, yes, you do owe because you're on it, asshole. $109 minimum fee payment. Why are we purchasing on a card

that we can't pay off that is a Korean interest? Like I said, we just played it a little too close for a couple of We're above the limit. So she's trying... No, we're not. Oh, no, you're not. I read that by I thought. Okay, you're...

Listen, you're still holding a balance on a card that you are not paying off that is a Korean interest and you're certainly above that 30% utilization that we look for. So she's trying to build credit. She's f***ing her. credit. And you're helping to fuck her credit. No, the debt to income isn't bad. Or the deck to income isn't good. Yeah.

This is still a utilization. But it's a fixable piece. Dick, this is a utilization. It's not fission. It's not this is a utilization for. Dick, this is a utilization. Anytime past it being built up. Utilization. Yes, it is. Yeah, once we pay it down, it won't be their credit. Once you do, you are it now. Yeah. Dick. It's true. And we're on the car loan together too. Oh, why? Why? Why? Why?

Why are you doing this to this poor German woman? I told her that we should get the car separate, and she's like, well, if we can get it, let's just get it together. She doesn't know what she's talking about. She's European. I don't know, man. I think the New Age Germans are pretty smart. That's why they stay quiet and they don't make too many Hitler jokes outside of the house.

That's why they shut down all their nuclear facilities, and they're digging for coal again. Very smart country. I wasn't aware of that. That's crazy. Yeah, tell her. Maybe that's where she left. years to pay this off. I'm saying that's great for her.

Got Netflix and Peacock on this. What the fuck are you watching on Peacock? Nothing? Nothing. I think there's a show on there that we watch. A show. You don't even know. I think there's a show.

Can't name the show. And he thinks. It's like $3 a month. No. The Peacock? 10. No, we get super big discounts for doing it on Capital One. Okay.

$9. I'm pretty sure there's a rebate on there or something. Well, look at it. It is literally. right there. Huh. Huh. Interesting. How numbers work if we just look at that. There's a $3 credit, but it's not as cheap as I thought it was. It's $5.72 after the

credit, but that's not. I'll put it on a card even that we are not able to pay off that is accruing interest in destroying our lovely German fan of Screamo, I can tell. Girlfriend. She likes everything. She even likes country, which I'm

surprised at. They usually, the Germans do get very nationalistic, yes. Because German music is pretty, it was very, I don't give a fuck. You are destroying her. All for the sake of Peacock and Netflix, it's so stupid. In future projects you're planning to do and being told, we got, we got to get new tires, home renovations, a new Xbox traveling to California.

We already got the Xbox. What is wrong with you? Well, the old one broke. And that's our main home entertainment system. We don't have like a Chromecast 30 bucks. You actual, you think you need to buy an Xbox to play your peacock? Are you stupid? What is wrong?

with you. No, stop. I don't care. You can't afford it. Dude, you live in a literal crack den. You cannot get an Xbox. It's too clean to be a crack den. It might look like it on the outside. Oh, buddy. Oh, big guy. Come on. Come on. Come on. It might look a little bit like it on the outside, but it's too clean on the inside to be a crackdown. Okay. Fistime the German right now. No. Oh, why? Because she won't do that. She won't show me around the house? No. Uh-huh. Yeah, I'm sure the crack done's very clean. We do have 12. animals. Yeah.

We're constantly... Yeah. So I don't give a... 500 hours of interest this year so far. 28.24% interest, right? Synchrony for why. Furniture Row! Yeah.

Had to get furniture for our pets to destroy? No, they are not allowed in the bedroom for obvious reasons. I don't know. My dogs are and they're fine. Yeah, my dogs eat drywall. Why are you a bad trainer? Why are you spending $12,000 on a dog and you can't train shit? as much as I can, but I have a dog

who will literally push her face up against the wall. Is it the pit bull? No, it's one of the Frenchies. Just one of them, though. Train, get a trainer. Dick. No shit. And you have 12 animals.

Can you really focus on them individually properly? Absolutely. No. You have them eating drywall, so your answer is no. They don't anymore because I put up, like, sheeting. That's not training. That is you're preventing them from getting to the drywall. That is true.

Yeah. I, like I said, they, They are very well trained, generally speaking. I cannot, I cannot get that one dog to stop eating drywall. Uh-huh. Yeah. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers.

It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter, and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path.

They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job.

And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make. Wishing you could be there live for the big game, soaking up the atmosphere in a crowd, but too often, life gets busy. Or the price holds you back. Price line is here to help you make it happen.

With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Priceline. Download the Priceline app or visit Priceline.com. Actual prices may vary, limited time offer. And how exactly to land your first job was starting from scratch? Click the link below to sign up for one of their free courses today.

Guys, just real quick, don't forget to take your Hammer financial score at Calebhammer.com. See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes in it is free. Figure out where you stand in the world of money, Calebhammer.com. on this for this, I'm guessing the bed. Yeah. $2,496.66. I'm a big boy.

Minimuthy payment, $88. I was pushing through mattresses about every six months. And my back was hurting. Well, that's absolute shit mattress. But I know you could get a $1,000 mattress. It'd be perfectly fine. But we got a $2,000 mattress. Yes, which you didn't need.

So that we could last it for 10 years. But nectar, you could have got a $1,000 nectar mattress. And you would have been perfectly, totally fine. Trust me, I had it. And I was good. And I also, the mattress I had. before that made a massive dent. Yeah.

Like what the f- It's purple. This is insane. No, you don't need this. Why do you owe $2,496? Because we're still paying it off. It's in the deferred and we're putting minimums for the deferred.

Oh, no. We're going to make it. Less than a year, you have to. Or else that deferred. Yeah. We're putting like 200 bucks a month toward it. And then there's going to be like a $300 balloon payment at the end.

But, I mean, that's a pretty small balloon. Oh, I got to pay this off in just about 10 more payments, $2,496.63. Sonsified by 10. Yeah, this seems to be a $250 minimum payment. Are you doing $200 or $2.20? And then we're going to have, you know, a $4 or $5.00. We'll see, guy.

We'll see. But then we have an Amazon card. Yeah. With a lot of purchases. Eight years to pay off. What's going on? Well, it started with a couple of like sort of house necessities. And then, you know, it was just too easy to spend on.

yeah like we we bought a case for our watches because we got matching that house needs is a bulldozer I would love to honestly rebuild on that property it's a sweet little property I'm sorry I'm I'm I'm I'm I'm I know I'm being mean but it's horrible it is horrible Amazon Amazon Amazon I don't think it's that bad dude it is bad Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon You're looking on the Amazon card so fucking yeah why don't you pull up the Amazon Amazon app you Start a screen recording. You know what we'll bleep out. Yeah.

Interest charging like a... Um, screen record. That 29.99% interest rate of death. Death and insanity. And your friend saw this house and was like, yes, let me go in on this. Yeah. Shelves.

Bank deposit money wallet. So I got paid back for that. That was for the business. Mushroom coffee? Yeah, that was also for... Xbox Wireless Control. The Xbox work doesn't mean the Xbox controllers broke. It did break.

What did you guys do? It just stopped working one day. The controller and Xbox at the same time. No, separately. Oh my thing. It was like four... There it is. Rockstar energy drink.

Rockstar energy drink. Few. Mountain Dew kicks are, Few. Rockstar boom energy. I started buying in bulk because I was watching your episodes. We've changed from buying a bulk.

Now it's 25 cents a serving. Make your gamer subs. You're making your coffee at home now. Good first step. Make your energy drinks at home. It literally tastes just as good if not better because we did blind taste test in our show

Vat and Veteran Hammer Elite. Gamer subs was like, I think it was at the top. It was tight for the top. They're pretty fucking good. They're really good. Strawberry banana one. Yes, it's so fucking good. Make that.

No more buying a bulk. Make your energy drinks at home. Again, 10% are off. Link in the description below. That Xbox controller. There's also a hydration version because I don't drink energy drinks but there is a hydration drink version.

That Xbox controller got returned which is why we bought the second one. Well, good. Cat Waterfowlin? Well, shouldn't have all these fucking cats. there's there's another well that Xbox controller was returned not the other one um turn started for something i think watch related pay hair remover brush yeah i guess you need that

trash stuff commander 100 plus card so that the trash bin and the armor they're card sleeves in a card box hundred place uh textured tc their card sleeves card sleeves why magic the gathering oh die Oh, die. Badi just die.

Leno, what are you doing, Magic the Gathering? You already have too much happening. You. That is not an option. You don't have the money for a hobby like that. You really don't. Just how much are you spending on Magic the Gathering? I haven't spent much on it in a long time.

Typically, come on. You're buying shit right there. So the reason, okay, so we had a cat die, Foster that we were taking care of. He went through a surgery that opened up his report. cage because it wasn't growing properly and I became really attached to him and I broke down one day and I was like, I'm going to do something that I enjoy. So I bought myself a new deck, bought sleeves, bought a box for it. But aside from that, I haven't bought magic in like eight or ten months.

How much did you use to spend eight or ten months ago? Spiratically, it'd be like $150 on a box every couple. Insane. And now that deck that I put together costs about $600. That's insane. It's fucking insane. $45 minimum payment. 9963 on this discount tire thing. So you gotta get new tires? Yeah.

But you're getting new tires again. Yeah. So I bought tires for the truck and then they... Oh no, these are deferred interest as well. Yeah. Oh no, they're doing about four months. Yeah. But we're making the payments.

We're gonna have a balloon payment of like 200, 250 at the end. How are you gonna afford all these balloon payments? Because you keep saying it like it's nothing. You spend more than you make. You are f***. It's because we're doing... I can't hear this anymore. No, no, no, no.

And also, you're not even close to making. enough. You made about a $100 payment instead of the $45, but you need to make a payment of $245 a month to pay it off. Your blue payment is going to be much higher than you're talking about. Yes, yes, yes, yes, yes. I did the math. I can do numbers, numbers are in front of me. I just typed it in. I typed it in the balance. How many months? I must have done my math incorrectly.

Yes, yes, yes, yes. But for most of them were pretty close. Well, I don't. I don't know. I don't think so. We'll see. You're about to have the deferred interest hit like crazy because you did the math wrong if you didn't come on here. You have four more payments you're able to make And then it's done And that is required of two Twa...

Listen, it's The balance is 900 If there's four payments left What does it break down to? 225! I don't think the balance is 900 anymore though Yes, it is Where's the balance on this?

Death The previous page, you f*** Right here. New balance 899 63 Why die Die, die

Die, die die best buy what best buy sorry home depot okay uh home depot was i did a shower winnow um it in that house yeah washer and dryer oh washer dryer is okay but oh i would can't use regard this but you're you're renovating this house yeah the shower was falling apart um it i don't know what the hell they used to caulk it i don't know have you seen the house yeah i live in it every day $801.92, minimum fee payment, $295 years to pay this off. Okay, let's see. We're not doing minimums on that though.

Dude, you say that for every single card and it's a little more, just slightly more, which also by the way makes no sense. If the strategy is to take care of deferred interest payments before they hit, why are we putting things on? Um, because this, is this deferred? The Home Depot? Yeah. Oh, okay, $801.92. Divided by, you need to do this in six payments. Okay, it needs to be $134 a month Why are you to you're deferring interest more than almost anyone I know

Why? Yeah, it's because I was running real tight with my previous income and now that I'm at a point where I'm making enough I'm pushing to get it all paid before the deferred hits, but there were certain things like I was Genuinely uncomfortable getting into that shower There was no way that I was gonna shower in that shower It's the house, dude Well, I own it. There's not too much I can do about the location Barely. So I got to make sure that...

No one would have a position of like $100, and that's you being lucky. And then you got a Lowe's card as well, also for the renovation? A little bit here and there. I bought my... And you renovated it yourself? The shower, yeah.

I have a buddy who's a drywaller, and he helped me. So it's also... Done by... Ah, shit, that's not good. A really good drywaller. Come on. I'm not coming on nothing, man. He's a great drywaller.

Lose card, $542.80, minimum fee payment, 30. So the current owed is for AC units. Dude, this house said nothing. You put money into this house? No, those are not going to pay it. Those are window units. Oh, great, great.

I mean, the only thing that I could do to actually install AC in that house would be a mini split. And that is obviously out of my budget right now. This is also deferred, isn't it? Yep. Dude. When does the deferred end? I think we have had six months on it and we bought those. Maybe it wasn't

Maybe it was a year It must be done No No I don't think so That's not giving me a You want me to look on my phone Because it will tell me Yeah

I got it I found it You found it Okay So of the $542 and 80 cents You have eight payments To pay that out

So instead of 30 Which you were $68 is what you need to pay Okay sake We still have have more debt. This is insane. PayPal credit. What? Magic. That is the deck that I just built. No. Magic the gathering PayPal credit debt. On deferred. To do. Everything is deferred. That's funny.

I mean, it's your reaction is funny. My finances make me cry inside. But you know, my reaction is that because it's absolutely beyond. Yeah, it is beyond. That's why. Well, stupid. $30 minimum payment on it. Balance, $5.15. Minimity payment wasn't even made. Why? Okay. No interest didn't pay in full until... Six months, I believe. Not six months from now, four. Yeah. So 515 and 29 cents divided by four. So you have to make minimumity payments of $129.

Oh my gosh, dude. These minimumity payments that you are required to make, so these do not just get... So the deferred interest are increasing your monthly budget insanely. Insanely. It's disgusting. Well, I mean, my numbers were a little bit... Disgusting!

Off from what you're looking at. But I do have increased payments for my deferreds in that 4680 that I was talking about. Well, we'll fucking see at the end because your math still didn't make sense to me, but Ross, $90? No, it's a brand new one. It's, we needed some pants and it was a 25% off. And so I threw it on the Ross card and I'm just going to pay that off next month. And this is $90? Yeah.

Why even do that? Why are you... Because it was 25% off. But look how you balloon everything. Look at the road you go down every time. What can I buy at Ross beside clothes and shitty snacks? I don't know. I don't know.

Maybe the girlfriend wants something. Like, I don't know. Every time you do something, you fuck it. So, like, there's not a single thing here you have done right. Including, uh, doing the math correctly for your deferred interest stuff. Yeah. Like, it's, man. This breeding thing.

Uh, f***ing a married woman. It's just like everything's wrong. It's all fraud repayment plan. Yeah, so my mom had like a tow behind smoker that she tried to sell. And she got sent a check. She cashed it. And they were like, okay, we're going to come pick it up. And that was pretty much all that happened.

And then the bank called her and was like, hey, so that that check was fraudulent. And she had already spent it. So they put her on a repayment plan with zero percent. Her. Her. With zero percent interest. And I was kind of zooming through. and I didn't really realize what I was signing up for,

but I got put on it. How? How did it even happen? She was on the phone with them, and they were like, hey, is this okay? Because I was like, yeah, we share, like we're on each other's accounts,

and I was like, I'm not really worried about it. And then I ended up on the loan. I wasn't really aware of it. What? Yeah. And I didn't even know that that was... Just get it with your credit. Are you paying it or her?

Well, so I am paying it now because I'm on her phone plan, and she is paying for my phones. I am paying for the... What's your minimum monthly? 1.13, but I do 150. Is interest ever hit? No.

Don't. Why pay extra? When you have deferred things that are about to come, why pay a couple dollars extra? This makes so sense. There is not a single debt repayment strategy in the history of all financial education that has put a little more towards things instead of focusing all on one. So this one specifically is because she pays my phones and she wants me to pay 150 rather than paying 150 through the phones. If I paid 113 on that, I would have to pay her the difference for the phones.

So it's just one of those things that like. Oh, so stupid. Yeah. That one is very unfortunate. And I think that one, f***ed my credit, because people see fraud repayment plan. That's the car.

That's one of the cars. 8% Mazda. Yeah. What's the balance that it shows on there? 32,000. I canceled my protection plan, my seven-year warranty thing, because it was scamy,

and it extended by loan by X amount of years. So I'm actually 26,000. Okay, so $26,000. Does that affect your minimum fee payment? No, I am still at the minimum monthly. It just takes my loan. And what is your minimum? 5.02?

And some change. You have seven cars? Yeah. Dude, I'm losing it. I'm losing it with you. Three of me. Like, you can talk some things correctly, but then your life is just an absolute mess. You have nothing correct.

You're able to, you're in the world where you're able to speak correctly, but you don't do anything. Three of them even run. Okay. What do you think this car is worse? I think that it blew books for around, or I use NADA usually. I think it's around 22 and a half. 22. $5002.

Why do we have so many cars, dude? So I have a pension for pain, so I have two old Jaguars. And then I bought a... Why, though? Well, because I had one when I was a kid and I sold it. So why did you get two? Well, I bought the one because I was like, yes, this thing is super... I can get it for a good price. I'm gonna buy it and I'm gonna work on it and then my girlfriend was like well I want one

Dude you guys are so fucking weird, but I bought the second one for fifty dollars Yeah, it was a theft recovery run it will run if If somebody put a little work into it. I was that somebody not me. I'm that's the only one that I want to sell Hers. Yeah, so all of yours. No, she doesn't want it. Sell the other ones. So she looked at it. So the other one. I'm not selling the other jag. Because it's too pretty. It's too perfect. It is my dream car other than the Jaguar So the other ones. So the Cadillacs are a special... What is wrong with you?

I like turning wrench, man. Okay, let's see. We have a blazer worth 2,500. That I inherited. Chevy Avalanche worth 9,254. So that one I bought Side Unseen for $6,000. She told me she had a truck for sale with 66,000 miles. What's the state of that car?

It's beautiful. Who drives it? Me occasionally. Sell them. No, I need to be able to tow shit. Why? Because I have a bunch of project cars that need to move. You do not need to tow shit and you're giving up your project hobbies to pay off your debt and clean up your life and then you can get into hobbies.

Fuck your hobbies are expensive. You can get rid of them now. You can start paying off debt. I'm not getting rid of the Jaguar. Then what? I didn't say the Jaguar. And I don't really want to get rid of the Cadillacs either. I don't care.

The Jaguar. I'm giving you that as a compromise. Do you ever see me compromise on this show? Not very often. Good. I'm letting you keep the Jaguar. Sell the other cars. Liquidate everything else other than the Jaguar in your car.

And how much could you get? How much? One, two, three. Optimistically, if I were to wait and wait on the truck. How much? I could probably pull like 19,000. Good. Do it.

There's no reason not to. Do it. Do it. You can get into the hobbies again. Cars will always exist and cars are forever. You're not getting rid of the Jaguar. The truck is one of 1150. Huh?

It's one of 1150. Over four years they only made. Okay, then there's 1150. I don't give a... It means nothing. You have debt. You are one of one. I am.

Take care of your life, buddy. You can't have this. This is a shortcut that I don't want to abuse it in a way that you don't change your behavior. But just use this opportunity. Use it. reason not to. I won't ever see that truck again. That is, that's a lie.

That's a lie. There are, they're out there. There are less than 1,200. Exactly. And you can, you can, you can, you can spend your hobby

searching for it when you can financially afford it. Right now, it gets you out of a death spiral. Death spiral. Your math that you gave me didn't make sense and realizing your girlfriend who's not even in the fault of this.

It makes no sense. It's time to take care of your shit. It's time to grow up for the literal first time in your entire life. And sometimes that requires sacrifices. This is a sacrifice. You are taking a sacrifice.

Also, it's a truck who gives a fuck. It doesn't matter. It doesn't. It doesn't matter when it comes to your girlfriend, when the animals, when it comes to your life. It does not matter. You're being a selfish prick. Stop. This is a sacrifice.

You're willing to sacrifice your girlfriend's income to bail you out instead of you actually taking care of some shit and sacrificing some things you like. It's the sacrifice. disgusting. It's disgusting. It would pay off the first four or five cards we talked about today like that. Stop being a selfish prick, asshole. You win and got some energy drinks, energy drinks. Bullshit. Bullshit. Um, uh, bullshit for the car. Bullshit. Now, what, I don't know what Selkrick ACE is. Uh, that is just the ace near my work. Ace? Ace. Ace hardware. Oh, so probably bullshit.

Bullshit. Bullshit, dominoes. So a lot of the ACE charges were actually cashbacks. You go to O'Reilly every 30 seconds. Yeah. Bullshit, bullshit, bullshit, bullshit. Energy drinks, bullshit. Microsoft Ultimate, few vapor.

What is wrong with you? You do not do one thing correctly in life. Bullshit. Little Caesars. Bullshit. Bullshit. Card payment. Bullshit.

No. No, ATM would draw $480. No one knows where that when. That, I believe, was moved to another card for Bill. $27 in this. Went down substantially. So savings, nope. And this is bullshit, bullshit, bullshit, bullshit.

It's just fucking stupid. Bullshit. ATM, which raw. I don't know. You're going on the strip club every five seconds? No, a lot of that is because I have my paycheck split into four different cards. So that it's... BS, BS, BS, round table pizza.

BS. You stop it in and getting BS every second of your life. BS. BS BS. Nothing in savings. Oh, this is so f***. Then another account. What's in here?

Okay. That's pretty much just for the car. The car and the fraud. Worship. Bullshit. Bullshit. Bullshit. It's all.

Oh, good. Our investment is $177. So I sold that and put it toward debt. Yeah, sure. Drop in the bucket. $20,000. Sell the car. Keep your jag.

I'm okay with it. Take that. I never give people that opportunity. Take it. Or just, you know what? I've been through this. I've gotten people through the sacrifices. If you don't want to do it, don't do it.

And you can live your sad, miserable life. Pretty happy, generally speaking. No. The finances need to be worked out. Coping. I am tired of a lot of my money going forward interest. You can get this shit done. But you have to take sacrifices.

Income, 4158. Okay, the mortgage is one. $1,933.33. And second time someone's chosen dogs overpaying their mortgage, by the way, but whatever. Let's get the rest of your debt payments. And I'm doing this. What's minimum required to pay off the deferreds in time?

Because we don't want to fuck ourselves, but you have so many to defer that this is going to add to a substantial number. Yeah, it's going to be a rough couple of months. Okay, minimum payments. It's essentially equal to your mortgage, which is crazy. $1,950. Gas, electric, utilities,

all that. Combine. How much? We budget for 300, but it's usually around 250, 275. In the winter, it's about 300. Okay, I'm saying 300. Phone built. Switch to helium once you have to take care of your own phone. If T-Mobile's good in your area. So we need to pay off our phones before we can switch.

Yeah. I also get you a course career certification as well. Keep adding to your resume. Keep getting those raises and transfer to a local store, hopefully. Yeah, working on. Gas to fruit from Drive Drive. I'd say 300 a month. Carn insurance is?

302. 304, somewhere there. How do groceries work in this house with you and your girlfriend? So we try really hard to stay around $20 a month. It's one of those things. Sorry, $20 a day, $600 a month. Okay, you can contribute $300 to the pile. TP fund, anything else you need to survive, $100, medical health care,

other co-pays, month-based. When I left, when I left my work. I don't care. Are there mentally co-pays? There will be. We're in open enrollment right now. I don't know. I literally open today.

I'll buy you $50 towards it. Subscriptions, I'll try $30. Let's see what happens. What are we doing? How much is pet food? Say 120 bucks every two weeks. We get a lot of free stuff because she's... How are we doing pet insurance? I don't have pet insurance.

And I don't know if we could possibly budget this. For the 12, I mean, we're talking... The nice thing is a lot of that is sort of free because she works at the rescue. Big guy. You have that debt. Clearly it's not... Yeah, well, the breeding stuff is different. Whatever.

You can, I don't even think we could afford it anyway, which makes it irresponsible for you to be a pet owner, if we're being honest. Because if we add up the two things, the minimumity payments, you're already done. You're already, so I don't know how you do any of this. So how much does your girlfriend contribute to the debt payments? I mean, she contributes the gap, basically. So, like, I, for the most part, take care of all the payments. She takes care of food. So $1,915 plus $1,9333.

What was that? $32 plus $300 plus $300 plus $300 plus $300 plus $300. 2 plus 300 plus 240 plus 100 plus 50 plus 30 okay wow well your gap just to break even is literally needing a thousand three hundred 12 dollars and 32 cents so she provides that plus takes care of her person of the groceries and her bills because that's literally the gap so the the credit card that we have together is pretty much her only bill good uh okay okay well so she she's willing to provide $1,312.32 just to break even, not even make progress. Because that break even, remember, takes about 45 years.

So once all the deferreds are gone, though, which will all happen in the next year, then it will be a much better situation. Yes, you will snowball. You will snowball. At that point, once that's done, I mean, it's still probably like a five-year process, six-year process. But what would I would do instead? Yes, dude. What I would do instead, 19,000. Take it. That pays off. Well, let's see.

Let's see. 240. Okay. So we have total debt. Let's budget $15,000 for the vehicles. No. Okay, fine. Yeah.

Fine. Just because I want to err on the side of caution to get that $19,000. I hope you're not airing on the side of choosing not to sell something. I would have to wait on the truck for like a year. I mean, that's a rare buyer. Sell it. That's why I'm saying 15 is what we should aim for. Dude, literally your bad debt.

Outside of your car and mortgage is 21,540. it. You can wipe it out and then we're done. You're not breaking even anymore. Okay, fuck off. This is as clear as day. This is the easiest thing. You can take care of this tomorrow. So I'm done. Listen, Ollie's help this guy out by, we are going to call his long less friend in the post show. And we are going to, we're going to do it right. We're not going to do it in the Gune way. We're going to do it rekindling. I want to be actually serious about it. We're going to do it very real. So we'll do that in the post show, join Hammer Elite and watch that. Let's get the Hammer Financial score, though. Spending in a budget.

You overspent 0.10. Debt, no collections, but all this together is horrendous. It's about a 1 out of 10. Emergency fund, I incy savings, 0.10. Retirement, there was nothing 0.10. Real estate, you don't have an equity position. Interest rate isn't the best, but, I mean, it's also not the worst. The house itself is shit.

It's going to be hard to sell a two-bed-one bath. It's not great. I'm going to say 3 out of 10 on the house score. No, closet's not really going to help build that up much. I'll tell you that. Hammer Financial Score Roundup 1 out of 10 Get yours at Calebhammer.com And make sure to join Hammerleet

To get an extra 20 minutes of this episode And every other episode And three premium shows Was it every single day Monday through Friday I'll see you in the post show It's gonna be a very interesting one I know it's gonna be awkward for you

I know it's gonna be weird for you But I think you should call I was intending on After getting all my shit sorted Walking up and handing him $6,000 No this is your friend I don't care about the money part I don't think $6,000 is a reason

to lose a good friend Give him a call Oh, here it is. What up? Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.

Relax and let Ralph's delivery handle your grocery shopping this week. We start with only the freshest items, then review your list and carefully choose each one. Then we pack it all up and deliver it in as little as 30 minutes so you can feel confident it's what you ordered. Fresh groceries, your way with Ralph's delivery and pickup. Get free delivery during online deal days plus $30 off your first online order. Ralph's, fresh for everyone.