Financial Audit - $60,000+ For New Boobs | Financial Audit

Episode Date: September 19, 2025

▶ wowwww wild post show. I call her BF, and he has noooo idea how bad this is. He's questioning the whole relationship now that she's exposed... watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Try Rocket Money for free: https://RocketMoney.com/caleb ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 11:06 excuses excuses excuses 24:39 the math is not mathing 33:10 thats f*cking wild lol 47:00 what a ridiculous number 01:04:30 taco bell isnt even good… 01:15:00 Budget!! ___________________________________________ ▶More Content 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*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

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What's it like to be God's favorite? Good. There's also some discipline in there. What happened a few days ago? What happened a few days ago? What do you mean? Fuck me. You got Evick.

I was trying to make a decision and you don't like it. That's fine. I don't like it. Math doesn't like it. Whatever, dude. Okay, so I know. I know. I know.

I know. The tools to change your life have just been upgraded. Download my budgeting app rebranded to dollar-wise today and start your free trial. Sign up for the annual version and I'll send you my budget-friendly cookbook that can't be purchased anywhere else. And I'll personally sign it and mail it directly to you. Download the dollar-wise budgeting app today and take advantage of your free trial. Hi, I'm Bianca. I'm 31 and I live in Austin, Texas.

And this is financial audit. Yes, sir is. And thanks for coming over to financial audits. Rare to get someone in Austin these days. We just get people from all over the country. But I appreciate you taking the drive-in. So what do you do here for a living? I'm a bartender.

At 31. Okay. Well, it just sounds like more of a temporary job. Unless it's like great income, right? Like three years. It's more money than I was making before. Okay, yeah. Again, I mean, it all comes down to the financial, right?

If we're just talking about like the perception of it, sounds like more of a temporary job. But if it's not, if you're able to do it forever and you're making a shit on, let's go, right? Yeah. So what are you making? I bring it, so I just started this job now at about two months ago. It's about $9.50 a week after taxes.

Okay. Actually, that in Austin times that by 52, divided that by four. We're talking net. $4,100,17 bucks. Sounds right. On average, okay. So Austin, Texas, listen, I mean, rent's gotten better in Austin

because we actually built things in like other places. It's no longer the most expensive city in Texas when I started the show. How you doing? Because that should, you know, that should be a pretty, you should be doing, you should be surviving. You should be doing a little more than surviving. Yeah, I'm scraping by it.

My rent is pretty reasonable. It's all of the debts that I accrued over the last few years. Few years, but you said you've been in this job for three years. Which is a better paying job than you've been in? Yeah. Well, I also had some stuff happen a few years ago, and then I just racked up all my credit cards, and now I have to pay for them.

What happened a few years ago besides the boob job? Bad breakup. And that's why we got the... boob job. Right. No, I got the boob job before. But like two months before, financed that and then also bought a car and a hot tub. Bad breakup equals hot tub? Well, I bought, no, okay, so that was before the

breakup. I bought a hot tub, financed that, got a booob, financed that, and then also bought a car. So I would signed up for-a-top, what? Do you have a house? I did. I don't have the hot tub anymore. You had to sell a used hot tub. No, he still hasn't. Even though you bought it and financed it? Yeah, he makes the payments on it. Why is your tongue doing this in your mouth?

I'm nervous. Okay. I've just never seen a person do that before. Okay, fine. It's okay. I was just curious. I was like, what's going on in there? What do you mean by that?

Okay. So you're saying a lot of this has to do with the bad breakup, though? No, I financed all of that when I was in a better financial position because... Because of the breakup. And then the breakup... So relied on his income heavily? No, I was paying for it, but like my expenses were not as much as, They are when I have to do it all on my own.

Because you were relying on, yeah, him to split bills and whatnot. Yeah, okay, yeah, I guess. So, yeah. So when it was the breakup then? May of 22. So why wouldn't you adjust within three years over at this point, three years over three years, the fact that, oh, bills are a little more expensive? Well, we had like a really nice house,

and so I had to change my lifestyle, and I didn't want to do that. I thought I could afford more than I did. What did you think you could afford? I don't know. You don't know. Well, I knew that I could afford. What was your job at that time?

Well, I was still in tech at that time. Tech's usually money. But you're saying you're making more as a bartender now? Okay, so I was the first tech job I was only making like 36K a year. And then I started another job. I was making about 65. Don't yell at me. You're not scraping by.

I just got to know. Okay. Hey, what happened a few days ago? What happened a few days ago? What do you mean? In your own personal life? You don't know? You got evicted?

She asked me to leave or get rid of my dogs. And I was like, well, I'm not going to run my dogs. So it wasn't a financial thing. No, it wasn't a financial thing. She didn't want the dogs there anymore. Okay. So that's also going to put you in a weird situation, right? Yeah.

What is your living situation about to be? So I just moved into a different place. Okay. Same area. Rent stayed the same? Cheaper. Okay. So that was good, right?

Okay, so that's not bad. My guess, that's fine. Yeah, it's like $300 a month cheaper. I mean, it sucks to move. Yeah. And make deposits every couple months. Well, that sucks, and it's still expensive to move specifically. Mm-hmm.

Okay, so what is going on right now? What are we talking about? The main thing is I feel like I'm scraping by because I'm trying to pay off all of this debts. So why did you accrue the debt specifically? In your own recollection, your own what's going on in your life? life, you know. After my life fell apart in 2022, I just was trying to go out and have fun and do things. And you're not anymore? I still do a little bit, just not on credit cards.

Not on credit. You don't spend anything on debt. What the fuck? What the fuck? I can't put anything other. Other large purchases. We had $3,000. All your credit cards are in collections. Yeah. Is all your debt in collections? Not all of it. A lot of it, though, the big ones. Why? Because I wasn't paying on it. Because it racked. up so much that I couldn't even make the minimum payments. I mean, going out to eat alone was $500 last month. But again, other large purchases? It's almost

$4,000. $500 is less than I thought it would be actually. Right. And that's you fix it. That's you getting under control. I guess. Okay. Well, you had a miscellaneous bullshit and $300.

Miscellaneous bullshit? Yeah, just like it could be, I don't even know what it is yet. It could be Spotify premium. It could be Xbox games. I don't know what you do. I haven't been there your finances. The majority of my money I do know outside of bills goes... And we know you got 30,000 hours of bad debt. Yeah.

Yeah. Oh, okay. And then, okay, sure, maybe it wasn't a technical eviction, but it looks like you owe two previous landlords. There's a ton of money. Yeah. For what? Those were also dog-related. What are you doing at these dogs? What are you talking about? I've never had an issue with dogs.

Yeah, well, one of them I got when he was eight, and and he was not like super well trained. Like he's sweet, but he likes to eat holes and walls. Well, that's not good. I don't think if you... If it's not your property. Yeah, no, it's not ideal. We could also do training.

Mm-hmm. How many times have you moved this year? Three. This year three times. Yeah, so I was in my first apartment. I moved in January and then moved into the house that I just moved out of. Because that can't be. cheap.

Have to constantly move all your sh-hs. How many dogs you got? Just two. But one just endlessly destroys things? He has anxiety. Great. So he needs to be kennel-chained, no, that's on you.

Well, I put him in a kennel on point. He broke out of it. You have to get a better kennel. This is on you. You are the dog owner. I know, but I looked into a better kennel. The, like, indestructible ones are like $1,000. Yeah, and how much have you spent on moving this year?

Shut the fuck up. What do you think? I don't want to put them in a kennel. Want to? Then you can't manage them correctly. Then you are not a responsible dog parent. Okay. You haven't met my dogs.

But you've been kicked out constantly because they're chewing holes and walls. And you're not able to either train or sedate or get any kind of kennel training. Kennel training, you don't want to. Kennel training is actually a very healthy and normal good thing for a dog. Kennel training. But it's, I mean, I feel like it's kind of cruel to have a 12-year-old dog that has never been in a kennel and then suddenly put him in a kennel. Okay, first of all, you said eight. Well, I have an nine-year-old and a 12-year-old.

And the 12-year-old is the one that's breaking the world? Yes, I got him when he was eight. Okay, and it's unfair to keep moving them and them potentially eating dangerous, hazardous materials by chewing in the wall. That's a good thing. I mean... I mean, my dog, I've had to do like three surgeries

because she keeps eating things that dog shouldn't eat. And she has to wear a muzzle when she's not in sight of me, direct sight. Well, that's humane of just keeping her alive. Okay, but I also don't want them getting her. hurt when they're getting, if they're able to get out of the kennel. They wouldn't be in that good kennel you just talked about. Or I have a dog sitter. Something.

Okay, but that, okay. You're right. You probably could have to afford that, but you have to do something. All you've done is is giving up and you just allow them to destroy every apartment you're in. And clearly, that is not an option that is working. Well, China is, like, spend a lot more time at home, take them out more. It's a thousand, you work. Yeah.

And bartending is that remote. Right. So you will be leaving the house regardless. How many hours a week do you? work? 40. So spending more time at home is you're just saying you're not going out and hanging out with friends as much, but you do have 40 hours a week at work?

Well, yeah. I mean, like I work long days, Saturdays and Sundays, but Monday, Tuesday, I'm off with them. I take them out. Congratulations. You still have 40 hours a week at work that we are not actually fixing. Okay, so. So we're going to move a fourth time this year in a little bit. I don't know.

Well, with your pattern, probably. This is irresponsible dog parenting. And it's irresponsible tenetine. Okay. You disagree? How? You're getting kicked out of places endlessly, left and right. Okay.

You're definitely not in a position to buy a property, that's for sure. Oh, God, no. They didn't use to... Care if their walls got destroyed? No, no, no. They didn't used to do that. Like, when I had, like, chew through walls. Congratulations, they do now, and you have...

have to figure it out. Okay. I will. You haven't. No, you've been kicked out moving place to place. Okay, well, yeah, well, maybe I'll just fix it now, I guess, but they, it's also hard to get them out and, like, get their energy out when it's a thousand degrees out here. And yet the rest of us do it.

Okay. Well, I'm trying. Guess who else has two dogs? Large dogs. Very energetic dogs. In fact, the breeds that need to run and zoom and go crazy. Okay. Like, it's also really hard to, like, get them out to a place.

Like, as you will see, I do not have a vehicle. You can Uber in with dogs. We've done it. I know. And I do that with them whenever I can. Well, there we go. I've solved your issue. It's also more expensive to Uber with dogs.

It certainly is, but you have no method of transportation. Shut the fuck up. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179, like the next grill three burner gas grill. or get $50 off to 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 home depot.com slash price match for details. Okay. Well, I'll take them. Fine. I'll take them. So you're just incapable of doing anything

because all I hear is I can't, I can't, I can't, I can't. Well, okay, when I'm like running out of money into like, I'm like, I have to Uber work. Why you're running out of money? If everything's in collections, your minimum payment should be relatively low. Well, I'm paying everything. So it's like a debt relief thing. So I pay all one payment.

That's different. What's that payment? 544 a month. Okay. So that's still, you're totally fine, $4,160 a month net. What's your issue? What's your rent number? 875.

Shut the fuck up. What is your problem? Paying deposits. Again, it's, I can't, I can't, I can't, I can't on everything. That's all you are. Yeah. I mean, I do know that most of my money. goes into, like, going out and, like, having drinks.

Uh-huh. Now, if a lot of this accrued because you want to live the same lifestyle that you're living with this guy before you guys broke up, I mean, that means we were probably splitting things. How far were you in this relationship if you were this splitting of bills and finances potentially combined and whatnot? Four years, we were engaged. You were engaged?

Yeah. Engaged and it ended? Who ended it? He did. For what? I don't know. He's, I don't know. Oh, come on.

No, for what? I honestly, he's fucking and stuff all the time. So, like, I don't. So because you were miserable to be with. Or he was miserable to be with or he was miserable being around you. I don't know. I was not miserable to be with.

Okay, but you guys were fighting all the time and he left. So he may have found it, whether or not he was correct or not. Miserable. Yeah, he's a miserable person to be. So I'm not miserable with anybody. Yeah, I mean, I'm sure you're a little petty that someone broke up with you five months before marriage. So it's a little hard to taste. Take your word as 100% truth.

Okay, well, I have the screenshots to prove it, but whatever. Again, it's the ex-employee that gets fired that always comes out and says the business they worked for was trash. Okay. Not the person who leaves their own well. I try to make it work. I bought a hot tub. I thought it was working. I thought it was going to be fine.

I wouldn't have bought a hot tub to put in a house that I didn't own. But he wanted a hot tub. And I had, at the time, had better credit because I didn't have debt. Okay. Okay, what was your debt even going into? The reason all the credit cards were maxed out was because I was going out a lot more. Was it cope?

What? Was it cope? Oh, no, my fiance that was about to marry me? Yeah. You're still coping. Look how you just talked. And then you said you had proof and then you didn't give us any proof. Look, I mean, this is, I feel like you're still coming.

I mean, I'm not going to pull up screenshots of past texts from an ex. But you can not believe me if you want. No, it's not that. But it's like, are you the reliable source, right? Yes. is the ex-employee that got fired, essentially. Okay. So, again, I don't necessarily need that,

but if we're having this conversation, we're talking about how my life fall apart after the breakup, but oh, he's the piece of shit, even though he's the one that chose to laugh. It's like, you know, I'm just trying to get a little nuance in the conversation. Okay. I don't understand things.

It's not like you were required to show. I'm not saying that, but then, like, you know, where's my mind supposed to believe, right? I mean, I'm the one sitting in front of you. You can believe me or you can believe this person that you've never met. I don't even know. he would say, what am I believing he would say?

He would be sitting here saying, oh, she's crazy, blah, and then he would also make up all the stuff about how. But he was still the one who chose to leave. Yeah. And then even after the breakup, he told everybody he's like, yeah, she got all of our wedding back, our wedding money back and got her boobs done. No, we got nothing back. We got zero pennies back. Oh, and you got your boots done?

I got my boobs done before. We broke up. Like right before? Like two months. Yeah, two months before. And I financed that. Well, you guys just not, like, on the same page in life? I would. I was a little caught off guard, so... Like, I knew we were fighting, but I was like, oh, well, like, we're engaged.

It didn't seem anything abnormal. You've never been yelled out in a relationship? Yeld it? In a relationship, yeah, and... Not yelled. I've also never yelled in a relationship. Okay. Well, congratulations.

You're one of those special ones, I guess. I don't think so. You've never yelled? No. Okay. No, I have very appropriate conversations. in heated arguments when I'm dating and love someone and it's not in this show. Regardless, I made financial decisions and then got out of that.

Now, how much did you guys lose not going through the wedding? About 10 grand. Out of whose wallet? Both of ours. Like split down the middle? Five? Yeah. We started working. We were both in tech and started bartending on this side.

Is it part of that in collections? No. Now, if someone's response. of being broken up with an engagement thing, which don't get me wrong. I know I'm being a little hard on you right now, but I would be torn up too. I'd be very sad.

The only reason I went hard on it is because after he broke up with you, you were like, he's the piece of shit. I was like, but either way, that's the only reason I went hard to be clear. So you cope spend drinking going out is being in a bartending setting the appropriate place to be in

for the last three years post-breakup if that's where you also cope spend and exist? Well, it actually makes me want to go out less. Okay. I mean, at first I was going out to cope, but... And what is this note that I have that paid for her ex's trip to Mexico right before your ex broke up with you? That was for his birthday.

Whose birthday? His birthday. So the ex-fiance. Yes. You paid for his trip right before he broke up with you? Yeah, a good chunk of. That sucks. A good chunk of it?

How much did you spend on it? I spent, between the two of us, I spent about 2000, between, like, fights. I mean, it was... Where are you going? Cabo. Fake boobs in Cabo. Hand in hand. That's right before the boobs.

At least you won't sink. So before getting these finances, you know, a big part of this conversation I have to feel like is like, you have no way to get around. We do not live in a walkable city by any means. And the public transportation is a little iffy. I know what part of town you live in. You have access to some bus lines,

even one train line to downtown. But even still, what, like, how are we getting around places? What are we spending on this? Have you tried to get a car? What's going on? Yeah. So I Uber everywhere.

my boyfriend will pick me up and help out anytime that he can but he also works two jobs. And if he leaves you, is he a horrible piece of shit? No, he's great. I'm telling you. He said, if we were to break up, it would probably be on me.

But, see, I'm a reliable source. But, no, so I Uber a lot. What? I Uber a lot. He helps me out when he can. I don't want to rely on that. So, like, if you're looking. Yeah, how often does he help you out?

At least a couple times a week trying to get to work. And then when we both have a day off, he comes and picks me up and then we go hang out and then he brings me home. Okay. And how much you spend on Uber? A lot. So in my bank statement, so my Uber comes out through my Venmo. And so everything that says Venmo is pretty much all Uber. Okay. And when's the last time you had a car? Do you want a car? Yes, obviously I want a car. Last time I had a car is about a year ago. I couldn't make the payments.

It got repoed. Yeah, it was like $615. And this is why I went down this conversational train. Okay, well. Oh, for f fick, I knew. I was trying. The fact that you didn't have a car, I knew there had to be a reason.

Listen, in Austin, everyone has a car. Oh, for sake, what happened? I know a lot of people that don't have cars. I know one person. But, okay, different lives. That's fine. Okay. They got repoed a year ago.

Well, you're three years into your bed. better paying job. What the fucks the credit score? It makes it really hard to get a proof. Yeah, no. But what happened with this repo? I couldn't make the payments. What do you think happens with the repo?

I'm asking why, because you were still making about $4,000 a month. Because I was also trying to pay off other debt. And so to like try to stay ahead. Was that in the consolidation? Not the consolidation. The debt relief program? That was before the debt relief program. What was your minimum monthly payments at the time in your debt?

I don't remember. it was a lot and it just kept occurring interest. Now that it's in collections, it's not occurring interest, right? I don't think it is. So yeah, I was trying to make the payments. And then I also had still had it, like, my apartment, where I've lived has gotten cheaper progressively,

like consistently over the last three years. Like, I'm in the cheapest place I've lived because I've had to have a humility check and go a little. Have you tried to apply for any car loans or anything? Yeah. So I did like a month ago. and they, I mean, obviously with repo and like bad credit, it's going to be difficult. And then they had one, they tried for like seven banks.

One approved me somehow. And then as I was waiting on the paperwork, the bank, they came back. They were like, oh, the bank pulled out. And I was like, why? And then they're like, because you're way too risky of a borrower. I used to track my budget with a spreadsheet. And by track, I mean, ignoring until my account was screaming for help. Then I found Rocket Money.

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Caleb or click the link in the description to get started for free. Who the fuck would? Yeah, consequences of your actions. They said that their reasoning was because I had spent too much money the month before. And I'm like, oh, well, that was when I moved. So I made like $1,700 in deposits and paid rent. So like I spent like $3,800. So why didn't you go back a month later?

That's the plan is to do that. This just happened. Yeah, that was like a month ago. When you got approved and then it's group. What were you approved for? What did that loan look like? It was the car was. the car was like 20K

and the payments would have been like 500. Oh, it was. Eight years, okay? Interest rate? We did not get that far. Well, what's your credit score? Bad. What's your credit score?

Like 580. Okay, her interest rate's going to be like 20%. What are we doing? Hey, you make a strong... Okay, like, I'm gonna, like, it's better than Ubering everywhere. To a point, not necessarily. You make money while your overhead

is relatively decently low, You could save up and get a $10,000 a car. $5,000 down on a $10,000 car. Okay, I have to have something safe. What? Like, I have to have something safe. Huh? Yeah, that's why I said a $10,000 car.

I'm not a $5,000 car, you tit. Yeah, but like a not as new car. Like, I'm always worried about a breakdown. I don't know shit about cars. Buddy, my 2018 Jeep Cherokee, very good car. Stellar condition. No issues whatsoever is valued at $12,000. You can get a $10,000 car.

All right, well, then sell it to me. No, I gave it to my brother. Okay. Yeah, I like him more. Who would have thought? Okay. Well, he sounds lovely. But anyway, couldn't get approved for the car.

I don't even know what the interest rate would have been because we didn't get that far in the paperwork. So I'm going to try to do it again. But the reason that they... 12 to 20, by the way. You're a borderline subprime. You're a subprime borrower. Yes, I know. I knew it was going to be risky.

I didn't even really want to do it because I didn't want all that hits on my credit, even further. But the reason they said is because I spent too much money the month before with, like, all the deposits and everything. And I'm like, well, yeah, I just moved. And so I'm going to try to do that again This month, maybe next month, because I just moved again. But I didn't pay nearly as much. You are subprime.

No, you're subprime. Yeah. Listen, with them being the only one that accepted you, this is going to be a predatory rate, and they wanted that term to be as long as possible so they could just accrue that interest. But if I can get a, even if it's a long term, isn't that better than not having a car at all?

No, at 20%. No, you probably save more money on Uber and saving up as much money as possible putting $5,000 on $10,000 a car. And then aggressively paying. off the second thousand. Listen, and you're probably getting used car. You're sitting at right around now. What we're seeing with Vantage score in the first quarter of this year, you're likely at a 19% interest rate. That's what we're seeing on average for someone with your credit score. 19%. That is double the returns you get on average in the market all up years and down years combined.

I'm going to let you know, summarize what that means. Okay. That is, and you almost did that at 20,000? Okay, maybe that wouldn't have been a good call. But I still think it would be better than having an Uber. How? Make that make sense to me. Well, first of all, like, if I don't have enough money, like, if I get paid every week, and then if I don't have any money to Uber, then I need a car to get to work. But you're able to make it work right now.

How far away are you from working? It's like 12 minutes. Maybe like, bike! Okay, down 35? Hell no. No, but I've seen people bike through the neighborhoods. Come on. You can.

But then I don't want to bike up at night. So you're likely at a 64-ish month loan. You're probably at like a five to six-year loan. You're going to be paying a total of $32,000 on this $20,000 car. It's horrible. Are you by the time you save up $5,000 spending $12,000 on Uber? I doubt it. That is the math difference that we are doing.

Okay. I appreciate the mansplination. But like I understand. That's not mansplaining. That's math-splaining, you dumb. Okay. Well, I was trying to make it a. decision and you don't like it, that's fine.

I don't like it. Math doesn't like it. Who gives a fuck about me? Matt doesn't like it. What's your average Uber costs? Two and from work? One way is like $12 or $13. So it's like $25 a day. Five times a week.

Uh-huh. So that is 480 trips. 480 trips. 480, oh, per year? And you work how many days a year? How many days a year? a week, sorry? Five.

Okay. So that it's 96 weeks. But that's not also, that's not the only place I have to go. That is two years worth of Uber trips. I know, but also the boyfriend steps in, so I know you don't Uber to and from work every single time. Because the boyfriend also steps in, that's probably about three years of work trips. I guarantee you, with your income and your overhead, we can get to $5,000 saved up well before then, well before then.

And I'm sure we can prove that in the end. Okay. That is the math difference. Not mansplaining. Well, I also, like, A, he's not able to take me as much anymore because he just started a second job. And I also don't want to rely on... As much still is.

It's not relying. I don't want to rely on another person. Hey, I have a girlfriend. She's not relying on me. I like to help her out. She likes to help me out. I'm not relying on her. That's not relying.

What is this? You're not milking someone. It's because you got mommy milkers. Doesn't mean you're always milking someone. That's how I got the boyfriend. Some of them like them fake. Some of them like him fake. And you're lucky they can't repo those.

It's the one thing they can't take from my house. It's cut them out of me. That's why I stopped making the payments. Can you pull up your Uber app? All right. What do you want to see? I don't really use Uber that much. Here we go. Must be nice.

It is nice. Absolutely. Bought my car in cash. Saved up for it. I was an adult. Congrats. Thank you. What's it like to be God's favorite?

Good. Good time. Yeah. There's also some discipline in there. That's how I got my Jeep before I made any of. YouTube money, which was much so expensive than I think it was like 25, 26, 37,000

a few years to go. Listen, I made some bad financial decisions when it came to credit cards and cars. Speaking of which, the most recent thing on here is seven items being Uber eaten to her house from Taco Bell. Yeah. Yeah, fuck you.

That's a bad financial decision right now. I knew you were going to pull that up and see that and you were going to rip me a new one for that. Well, no. I was hungry and I can't drive to Taco Bell. Huh. If only you had a. kitchen.

Yeah, but I just moved to I don't have any food in there. You should have stopped at HB on the way. I got off work late last night. Buddy. HB was close. This is so stupid. When did you move? Sunday.

Fuck you. That was what, five days ago, four days ago? There's more days in between then than just last night. Fuck you. This is excuses. With you, you are in endless. I can't, I can't, I can't, I can't. And you can't be on financial audio by going to

Calebhammer.com slash apply. come beyond the show. It's a blast. It is. It is a good time. The Uber trips to work are a lot less than you're suggesting, by the way. They're averaging about $10, so that even changes the math more. Lots of Taco Bell being Uber-eated constantly.

While I'm on here, let's see. To all you're a Redditor. Ah, well, this makes sense with your personality. I used Reddit the least out of all social media. Oh, my God. Let's see, what is she doing? It's a lot of the Austin Beer scene. Not surprised.

See her subscriptions. AppleCare Plus, Apple Music, ICloud Plus, and Peacock. Peacock? Love Island is on there. Love Island's done. Love Island's been done. I know, but there's other good stuff on there too. Okay, there is. I like a lot of trash. My Hulu subscription.

Buddy, there's trash TV everywhere. You're on one right now. Come on. It's a dream come true. Okay, let's get into these finances. But before we get into the finances, I want to hear what you think your financial score would be. of your finances, worst the best. Zero being the worst, 10 being the best.

Where do you think you stand? Three. You have collections. Yeah. If you want your hammer finance. But I'm paying on them and my income's not bad. Okay. Two?

What do you think it is? Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting that, all this crazy stuff over this past year,

because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible.

And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's f*** go. If you want your Hammer Financial score, it is free. Take the assessment, see where you stand in the world of finance, to see where you can improve, see where you're failing. go to Calebhammer.com. Take it. Take the score and take the quiz. And if you don't want to be like a guest who ends up on this show. One, don't get fake boobs.

Two, download the dollar-wise budgeting app, sign up for the free trial. If you like it, sign up for the annual version, save a lot of money, get the budget-friendly cookbooks, signed by email directly to you. And if you want to also bundle it with all of our education, all in one, the premium thing you can ever possibly do to change your life. Like over 50,000 people have done, dollar-wise central, 80% off now. go to dollarwise.com. All right.

But get the fake boobs. It's worth it. They can't repo them. Who likes fake boobs? I'm sorry. Me. A lot of people. There you go.

It just doesn't work. It doesn't give the same. If you get them done, they do. 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 the stay. I don't know. I've squeezed plenty in my day. I'm so sorry for those women. It feels like a mouse pad. Feels like a mouse pad? Yeah.

Okay. Touching some weird boobs. I guess so. Yeah. Maybe you're the only one. ones with real, real fake boobs. Do you get him done in the U.S.? Yeah, in Austin. Patriotic boobs. Freedom boobs. Yeah.

No tariff on those boobs. None at all. So worth it. Do I have a better natural rack than you had? No. Because I got some tities. I know. I'm not getting a boob job, though.

Okay, I see money owed a boyfriend. Did he pay for him? those? No, he helped me out. Okay. The producers really not want to know how much they are. They're feeding me so much boob things today. 10K. It's all Lindsay. So many

boob things. 10K? Yeah. For why? Just for fun? A good surgeon. I put like, I finance like 8. I put like 2,000 down. Oh, 8,000 in debt for boobs? Why? Why do you even get them? They're not even paid off yet. Oh, my. They're almost paid. Almost, but they're not.

I have like $500. Why did you do this? Why did you do this? I've wanted it since I was like 15. You've wanted Big Boone? Yeah. Why? Because they look great. And I'm not having kids, so.

What? I'm not having kids, so I don't have to like, you know. Yeah, after you have kids, like, you wouldn't, you would want to wait until afterwards. So I was like, well, I can do whatever I want. And I thought I could afford it, but then my life got flipped upside down. And. Yeah. Listen, I'm an all natural girlie.

Our translator, post-shower, live streamer, you all know them, you love them, B-dog or Triple B or Brandon loves fake boobs. What? Do we have the consent for this observation? No, I'm not pulling my shirt up. No. For this, you dumb. For this. No, that is not why you're here.

We're asking for consent to objectification. Fine. Are they worth 10K? You're okay with that, right? Do we have permission? I only owe 500 left. Worth it. Okay.

See? Good investment. This episode is going to get us in trouble. Okay. Remember, we have all the guest permission before we film and they get to say what we can't do before. And we don't ask it second time if they say they don't want to do something. Plus, we got extra permission there. Calm down Reddit and Twitter and TikTok.

It's fine. If my parents are watching, I'm so sorry. Me too. Okay, so what is this money owed to boyfriend? This is current boyfriend? Current boyfriend. I'm assuming? Okay, so what is, what?

She helped me pay $1,200. Yeah, so at first he helped me pay a deposit for an apartment and then... Come on, so you get kicked out left and right because you won't train your dog or do anything, and then your boyfriend has to come in and bail you out? I didn't ask him to. He offered... He probably saw just that you couldn't do it, right? Could you have done it?

How would you have done it without him? I would have figured it out. I always managed to figure it out. Okay, let's pretend you're figuring it out right now. What would you have done right now? I would have either found a cheaper place to live or found, because I was to get into an actual apartment and live by myself. So this one isn't even the one you're in now.

So you still owe him for a previous place? I started paying him off on. Oh! F's sake. Okay. So I started paying him back on it and then I had to move again. And then he's like, we have set up, he came up with for everything that I I owe him. He's like this.

I'm glad he's tracking. How do you feel that he's tracking? I knew it would be tracks. That was agreed upon her. You just knew me to do that. Yeah. And so like when I like would Venmo, I'm going to be like, all right, here's 100 out of the 800. And then here's, now it's up to 200 or whatever. It won't be on camera. Can I see a picture of this guy? I'm going to roast me. He's got a mullet.

That's okay. That's an average. I call them the every man. The every man either has a mullet with a mustache or a ball cap with a That is the every man. It is 90% of the men in Austin. I'm halfway towards every man. Oh, fuck. He's very nice to me. Well, he looks like a dealer.

That wasn't the mullet I was expecting. Somebody said one time that he looks like Joe Dirt. Yes. He loved that. He was like, hell, yeah. I was going for. I was expecting the every man. He is just, in fact, man.

Okay. He's really cool. You would love him. Would I? Yeah. Okay. He loves your show. Oh.

He got finances in better order because of it. I told him I was going to be on here. He was like, are you sure you might cry? I was like, I only cry when you talk to me about finances. You haven't been close yet? Huh? You haven't been close yet? No.

Good. I never get women close. I could have guessed that. Me too. I'm a sprinter. Okay. This is a weird episode, sorry. Very goony episode.

Okay. And people are going to take a soul literally out there. I'm a lot more about my boobs than the car situation. I know. You can tell what I'm interested in. Thought you hate it? Thought you hate it, fakes? I do.

I'm just not really into them. But it's very topical. Plus, Lindsay is a goon master today. She's feeding me so much boob stuff into the chat. This is a boob, boob, boob. Thank you. Worth it, worth it? I think they're worth it.

I love when it's like an obvious boob job. Right. It's like, why I spend the money if you can't help. I don't love an obvious BB. B.L though. Agreed. I wouldn't get one of those. That's not worth the money.

Okay. So the boyfriend, he's been tracking the $1,200. Yes. Is there interest with this? No, unless he suddenly wants to one day, but no. Is there an agreed upon minimum monthly payment? How is this working? Yeah.

So he just wrote it all out and was like, this was very recent. It's like 65 a week. I get paid every week. And so 65 a week, so 612. Okay. What's what's a budgeting like? It's to pay it off in a certain time frame.

That certain time frame would be so it's $2.2 a month which is quite chunky, I'll be honest, for that kind of debt. That's like a four-month payoff, five-month payoff. That's kind of chunky instead of putting more money to the other kind of debt. But okay, so what all has he also been giving you for? Because it wasn't just that apartment.

Yeah, so the rest of it was from a trip. to Vegas. We went to Vegas. You had to borrow from him to go with him. It's very weird. I paid for the flights. Is this a relationship not weird? Why didn't he just gift it?

Gift the trip. Well, because I ended up, I did not realize that a bill was coming out right before for the, like, that really thing. And then there was also, like, a hold on my card once I got there. And so they wouldn't let me, I don't know. Well, let me spend any money. So he covered everything and then just added it all up together to add to the 800. So he paid for everything.

Okay, okay, it's weird. Well, how long have you guys been dating? It's a weird relationship. About nine months. I'll call him in the post show. Nine months. Okay, so that's why I was going to say, listen, if you're going to move out and he's getting your security deposit, time to move in together.

But nine months, okay. You know, maybe we're not ready for that yet. Yeah. Maybe we are some people move quicker. Some people move slower. Actually, I've, you know, it's a weird situation. But my girlfriend and I moved in really quickly. I moved in really quickly with the last person, and I won't do that again.

Yeah, but you guys did do five years, and you wanted to continue to make it work. He just didn't like you. Can I call him in the post show? No. Money owed a friend. Why does you owe your friend $800? $700, and it was the same kind of thing as the boyfriend. What?

Which was the trip or the... No. So because... I know, I know, I know. You get to pick it endlessly, not even this. And then you refuse to take care of the dog. Not only that to borrow. Oh, come on.

Then how many times are you moving? Because every... The last two times, the most expensive one... How many times do you're moving? The most expensive one? I told you how many times I've been this year. This year. This year.

I'm talking about it in general. How frequently you're having to move? Before that, I lived in an apartment for a year. Before that, I lived in an apartment for about a year. But then instead of actually fixing the actual problem, it's just this endless cycle down. And it ends with borrowing from people. Close to you.

Your friend. Your friend, you don't want to borrow from a friend. I know, I didn't want to. But you did? I know. And you still owe them. How many months later? I don't remember exactly when that was.

What is the agreed upon payback with friend? There was, we didn't really like talk. Oh, for fuck sake. Why, dude? Come on, why don't really establish something out of any kind of responsibility or respect for your friend? I know. That's like those two things are the most, like, out of the time. That's why obviously I didn't get things out of collections,

but those are the most important things that I want to take care of first. And why haven't you? You make an okay income for relatively low overhead. I am confused why you have not paid them off. This doesn't make sense. This is not stacking up. I also don't feel like I spend that much money on stuff that I just... Oh, that's a good question.

Let's see. How much money did you spend last month? Total? I mean, including Uber's and everything? I don't know, probably... Total across the board. We're like with rents and every 30... Four maybe.

What? 3,400. Okay. 5200. Oh. I mean. Okay. I mean, um.

Um what? Oh, sure. Take a little peek. Okay. I spent less at Nosh and Bevy than I thought I would have. A lot of money at Turnstile. That makes sense. Okay.

What's turn style? Record store? That's where I go for teeny time. Express for Martini's. Oh, my. Fuck. What the fuck, dude? That is more important than you paying back your friends.

That is disgusting, that is selfish. What the fuck is wrong with you? Well, I usually am not the one actually paying for it. That's actually... But you did regardless. I did at some point. You still owe your friend $700. Still owe your boyfriend $1,200.

Who the fuck are you? You're going to go borrow at a 20% interest rate, a car at $20,000, at your financial situation, yet you go have teeny time? Teeny? Hi, listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below.

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You will not regret any of these change your life today. Think you're entitled to teeny. You don't get teeny? They're really good tini. You know what, Alex is who has a good tini, your boyfriend? Pay him off. Pay him off! He's lending you for a bunch of...

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Your friend. You don't even know how long ago you borrowed the $700 and you're going to getting tini's? that is selfish. It is disgusting behavior. Okay. It is not what a 31-year-old should be doing. I could see that at 21. This is a joke.

You're well into adulthood. No more. Well, yeah, I got into a habit of spending too much, and now I'm having to... Are you an alcoholic? Dial it way back. No. I actually drank way less than I used to.

Were you an alcoholic? Not diagnosed. You're just cope. Yeah. It's more of a cope thing. Listen, I'll get you on the FIS card. That helps build your credit. the debit card that builds credit.

Okay. Because you can't be trusted with debt for whatever. And if you want to get into a career field, that also gets you a course career certification to build your resume. You know, if you want to get out of the bartending world, you're making a good income, but who knows, it might be hit or mess. I bet that's not a very

recession resistant industry, by the way. Remote good luck. That's not really much of a thing as much these days for any horrors. I know. That's, yeah. So I don't think, I mean, you're just going to, like, going to have to get a job, a big girl job at some point. And again, this isn't It's not really resistant

to recessions as much as many other things. It also fluctuates a little bit. Like you look like a nurse. Like you look like a mean nurse. No, I don't want to be a nurse. Look like a mean nurse. Nurses aren't supposed to be mean. Oh, but they're all...

Except for my mom. She's lovely. She's really good. I love her. The rest of them are... The rest of them are kind of... That's what they're known for, right? I don't know.

I've only had... They're the mean girls at school. I've only had nice nurses. When you go to the hospital, I'm talking about when you go to school with them. All right, we're not playing footsie. Calm down. Move your feet. I don't have a mola and a full beard and selling. Okay.

Okay. What is this death of previous landlord? $8,000. You don't have to tell him he said it. He can watch it. Yeah, he probably will. That is... 8,000 to a previous landlord's insane.

What the fuck kind of amount is that? That's the apartment debts. No shit. That's... We already discussed that. When I told you that, like, the Darcy kind of two to hold a while. It was 8,000 hours worth of repairs?

Oh, for a f***? Was it this entire fucking unit? I didn't live, I didn't, like, leave it as, like, clean as I should have. Yeah. Because I moved out quickly and I had to be out by a certain time, so I just moved on it up. $8,000 is insane.

Yeah. You have any photos of this? Any pictures? No. Why? Am I supposed to take? I'm sure they do. It would be good for fighting back if you had to.

Yeah. So what's your method to pay this back? What has been the idea? Because this is $5,000 is insane. For any income, that's a substantial amount of money. Yeah. So the thing is with the apartment desk, like the, apparently the property management company, they won't take a partial payments.

Because I was like, can I make payments on it? That's counterproductive for them. Yeah, I know. It was really weird. I was like, so even if I can give you $500 right now. Is this on your credit? Yes. Fuck me.

Has it been sold off to a collections agency? Or is this still the apartment? If so. They might be willing to go on a payment plan, right? Yeah. So now it is on a payment plan. Well, this is on a payment plan. Yeah.

Yeah, in the debt relief. Okay, so I signed up for... Oh, it's in the debt relief. Yeah. It's not a consolidation loan. It's like the debt relief thing. I know. So, like, now it's like money's going towards it.

Because I pay $5.44 a month going towards debt. And then then they're, they like disperse it to all the things that I owe. The way is there another landlord debt? Why is there second one? That's the most, that's the most recent one. Recent one.

You know, you shouldn't have to say that too about landlord debt, to previous department debt. Oh, that's the most recent one. Whatever, dude. Okay, so. Okay. Okay.

So, anyways. What is this response? So that one is, she's saying that like she needs to like replace all the flooring in, Probably. Train your dogs. Okay. So, yeah.

So, but then I don't think she did the math right either. I don't think it's that much. Well, you didn't take pictures to challenge it, and that's the problem. I know. I might give my old roommate to do that for me because there's still nobody living in there. So she's still in there. The old roommate is. So it's just like she rents out.

Oh, yes. Get the pictures, dude. The landlord just, like, rents out each individual room. It's not like everybody's from one house. The landlord literally caught the dog peeing on the carpet. What? That's the note I just got The landlord caught the dog peeing on the carpet in one of the places

The landlord, she like would end up coming by the house Unannounced and then just like walk into my room And then she was like Didn't like seeing the dogs there She said that the dog peed on the floor And then now she has like Why was your dog pissing on the floor? That's what she said

I mean wasn't there when I got home Your roommate? No, the landlord's The landlord's No, your roommate cleaned it out maybe Okay, yeah maybe Or maybe the landlord did. I don't know.

No. Should I have asked? If someone's claiming that the dog peed, I'd try to figure it out. I'm assuming the landlord did. Because that would result in debt to me. Yeah. So when's the next debt to your current landlord? I don't have any.

I mean, it's just rent. So I said when, you're going to get kicked out because the dog's going to destroy this place. I guess whenever that happens. Why are you so irresponsible? I'm not. I'm not. I'm trying to do. better with the dogs. What are you trying to do better?

What's the trying to do better? Going out less. Okay, you still work 40 hours a week and I know you're with your boyfriend. Sometimes too. Taking them on longer walks and trying to get their energy out. Does that help with the anxiety specifically?

Yeah. Okay. And so far? I mean, they've been good. Even like towards the end of the time that I was living at the last place, I was like taking them out more, like, I had a big yard,

so I was like spending more time throwing the ball with them. And then they were fine. They didn't really do anything. Now, you struggled to send us statements. Yeah. We tried to help you the best you could. Yeah.

So I'm going to have to scream record from your phone. Can you pull up your credit karma for me? Because I don't know what the struggle was. So, yeah. So that, the credit karma thing shows like closed accounts. Yeah, I'll see. Okay, but let me pull a little. up the National Dart Relief thing, because that gives a better

breakdown. I know how to navigate credit karma. Okay. Well, I was going to go to the National Dart Relief thing because it gives a better breakdown. But here you are you. I just want to see what your credit karma says, dude. We can look at both. Needs work is an understatement. I'm aware. Okay, so what are we got going

on in here? Oh. Wait, hold the fuck. You know, you have some open credit cards? No, we got to chase freedom at $3.50. That, I think, is one that must, because my ex and I had a card together. Oh, no. Oh, and this is why we opened up credit karma.

I don't think there was a Chase's one on there. Is there? Is this just an example? It might be an example or like an offer. This must just be an example. I don't know. You said you know how we're at credit karma. Yeah, fair enough.

Seem to be struggling. 16,000 on this. So we have the 9,089. That's from that. No, what's this 9,089? Is that the relief? No. Wait, let me see which one you're looking at.

Ah. 9,089. Oh, the Green Sky, that's the hot tub. He's making the payments on it. But it is on your credit. His name is also on it. So he's the least making the payments. If he stops or dies, you're...

Um, yes. I don't have a way to sell it at this point. What's your relationship with him now? We don't speak. Fick's sick. So what happens if he all of a sudden misses a payment? You say he's a piece of... Maybe he will.

Well, his name is on the loan, too. So he has to... I know, but what if he's a delinquent? Who doesn't give a... I don't think... People fuck up their credit all the time. Who is to say he doesn't? I mean, it's very possible.

But yeah, I mean, if he dies... Did he ever find anyone else? Yeah, he's married. Oh. Yeah, that happened quick. So it was, yeah. Okay, hot tub. $9,000...

I get emails every month that the payments are actually getting made. Well, that's good, but it's $157. I'm going to put it in parentheses. It doesn't go to your normal payments. but even still, I mean, that's scary. That is an extra $10,000 on top of your loans that is just added if something happens because you will have to pay it to not fuck your credit

if he decides not to pay it. I know. At that point, I would just figure out a way to sell it. Can we contact him to refinance it and get you off of it? The idea of talking to him sounds absolutely horrible. Oh, stop being such whiny. He doesn't want to talk to me either. This is a business transaction. This is a business transaction.

You're not calling him up and asking him about his day. Yeah, I don't know. I don't. I mean, how much of a difference with- Can you text them right now? Text them right now. Maybe. It might be blocked.

Okay, well, let's see. Can you just try to text them? Oh, sorry, yeah, this is your phone. Text them, hey, Kamala, what do you think about refinancing the hot tub loan to get me off of it? Okay. Send a text, see what happens? You're not even willing to do that? He, like, he was really bad.

He, like, was like, yeah. not, it makes me nervous to text him. I mean, I can't. What's he going to do? What could he do? I don't want to get yelled at by two pull men today, so. Okay, that's fine. That's fine.

Totally good. But for limiting your risk as well, I do, again, the main intent isn't for you to contact him. I don't give a fuck about that. The main intent is for you to get off the debt. Right. What is this Fab CRED fresh? Feb.

That is a line of just one. of credit. Of you? That you have. Yes. Just you. Yes. Did we even get a statement for that?

Or is this fresh? Are we learning about this for the first time? Oh, we're learning about this for the first time. Okay, line of credit. Okay. That's wild. Now, why do we have a balance on a line of credit? Because I used it.

Why would I get a line of credit? I needed it. For what? You're going to hate this. There it is. It's as to pay rent. $330 a month payment. Can you pull up your line of crowd?

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bought the trip, book it with Priceline. Download the Priceline app or visit Priceline.com. Actual prices may vary. Limited time offer. Credit for me. All right, here we are. I paid off a good bit of it.

The balance went up to $1,389,0.42 cents. What? It's over the credit limit. That has to be just interest. Which doesn't make it better. No, it doesn't. If you make your payments, it does not make it better. That makes no sense.

Yeah. That was kind of an emergency situation. So does this draw into cash? Yes. Okay, so where would I have seen the cash be spent in your checking account? Yes. So you saying earlier that you don't spend on credit cards only in your checking account, no other accounts, because you pull from credit into your checking account to spend on it.

I forgot about that one. Huh? I forgot about that one. You forgot about that much. Well, no. Okay, minimum is actually 82. I don't know what credit card I was saying, but. sake, dude. You're over the limit by a hundred and, uh, like 25, 130 bucks. That's insane, dude.

That's crazy. What are we doing? Kickoff? You just got kickoff. Yeah. Okay. And what are you doing at kickoff? Because there's good ways to use it. I just recently got it and I haven't really used it. Well, I advocate for it in the credit building way. But you, I want you to just be careful. Yeah. I haven't really done anything with it. I just recently. downloaded it. Okay. I haven't really figured out how the best way to use that is yet.

Now here we go. Good old collections. Data International. $5,159. What is this? That goes into the apartment debt. That's what that is. Additional?

No, no, no. That's like the chunk of it. Okay, what's your minimum on this? So I'll cross off. So I cross off the two previous landlords and now we put this in. Okay. it's in the

since it's in collections it's in the payment that I make towards the debt relief thing what all is in the debt relief to do? Because I don't see the I can show you

Okay show me the debt relief this is such a mess What a mess Why'd you do this debt relief specifically? So I could have one payment Yeah but they were in collections You didn't have to make a payment

in collections Sure they could have sued you and gone after you in court but usually no If it's in collections I don't have to pay it Well my credit It's not about that

But yes your credit's and the $5,000 one, honestly, it's pretty chunky. Maybe they would have gone after you in a legal way. So, you know, that one I'm okay with paying on for sure. But usually after a few hundred bucks, you know, they don't really come after you in a legal sense. And it's not that you don't have to pay it. Moral obligation, sure.

But if also have your credit in seven years, that's seven years of you being not being able to apply for any debt whatsoever. Sometimes that's not the worst. Debt relief thing that I'm being off on. Start to capital one Oh The capital one itself is $21,577 Yeah

What is happening? Yeah That was the big one that I racked up after That was my coping card Over how long Did you spend $21,577 A year? Year and a half

That's insane All I'm just going out and beving it up That's wild I also used it for like other necessity, like dog food and hell of fresh. So it's not like I only use that for going out. I'm saying now I have O'Madison Adele 5,795. That's one that's like IQ data.

Marcus loans. What's that one? I don't know. Let me see. Marcus loans by Goldman Sachs. It's Marcus. It's a loan. Usually it's a high-yield savings account the most people use.

If it's Goldman Sachs, then that's my Apple credit card. Oh. You owed $5,000. That sounds right. 3,000. 319 on that. Yeah. That's fucking crazy.

You paid off a small couple hundred dollar patient first one. That's what was owed left on the boob job. Oh, gosh. She national debt relieved her boobs. She national debt relieved her fucking tits. Well, it's, I stopped making the payments on them. and so they just like loosed all into one payment.

Maybe they should repo them. What the fuck is happening? It costs them more money than I owe them. What the fuck are we doing where you can't pay for your own fucking tits? Having great tits. The number one YouTube membership just got upgraded.

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Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264.000. I didn't know we had that many.

You guys have to take control of your finances. How? Just download the Dollar Wise budgeting app. It shows all. all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the dollar-wise budgeting app today and take advantage of your free trial. Hey, your buddy said worth the money.

He's obsessed with the faker than better. He has good taste. Okay. National debt relief is not a bad thing. It's just like, it's just like the debt you got into is crazy. I know. I'm making payments on it. You've got tithies on here?

Yeah, only a couple hundred and I just looped that into one payment. Well, you paid that off immediately, but you've only made $839 of progress on $31,530. So it's like, great, great. So you owe $30,691 on here. Now we're crossing off with the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit. And now this $30,691 of debt, which most of it is that Capital One, which is crazy. Yeah, that one got a fucking crazy. What is your minimum monthly payment on this thing?

Well, now I pay it all in one payment to National Debt Relief. Huh? Now I pay it all, like, I pay $5.44 a month to that. There you go. That's what I was asking. You asked about the Capital One card. Huh? You asked about the Capital One card.

Nothing. Well, I, okay, sure, maybe. I meant this, though. So $544. $540. $540. How long have you been in this? I started

rocking that up about three years ago. No, no, no, no. The National Debt Relief. Are you sure you just can't answer questions? Are you sure you can't ask questions, right? I don't know. You're jumping from one thing or another. I signed up for National Debt Relief in January-ish,

January, February. And it's been 544 this whole time? Well, it's 273 every two weeks, and then I changed it to do just one pay in a month because I found that. Times two. I mean, okay, so it's still the same. Yeah.

But you've only made $800? You've made two months of progress? Well, okay, so if you go to the last page, it shows like $2,700 in the account. So like, I guess it's at the top. Yeah. That they're using to negotiate? Yeah. Okay.

So that's what's in there. Okay. I got it. That's rough, man. That's rough. I know. that's crazy and now let's look at your spending

first of all what even the what is this what is this account dude what am I looking at that's my checking account what checking with who what is this capital one so capital one checking okay immediately in here

Venming out $12.50 then we now $8.29 now these are Uber most likely yes old Greg brewing $8 and 50 cents but we're struggling to survive

great Uber I got the happy hour I got the happy hour I I told you. Uber. I'm calling them out still, though.

And also, really? $8.38 of Uber in one sitting? That doesn't really make sense. I don't think... Look at that. Oh, that was... That was for the deposit and rents. Oh, they're not all Ubers, like she said earlier.

The big ones are rents. Okay, then half of them have been Ubers that I've called out so far, by the way. Smoker buzz. It was a vape. You're a vapor? Why? Why? You're older than me. I know for a fact, you were not in the vape high school world.

No, I was not. You picked that up. What a stupid thing to pick up? That's such an expensive... How often are you getting vape? Like once every two weeks. How much is it per? 20.

That's not that bad. $40 a month? What the fuck up? What are you talking about? That is $500 a month. That is an extra payment on your national debt relief a year. That is an extra payment on your national debt relief a year. Okay. Off.

That is substantial. Everything little, every little thing counts. Uber, Uber. And by the way, we know when some of the Ubers, they're Uber eating. Yeah. Taco Bell. So shut up this all Uber. So Uber.

Turnstill coffee. Night owl bar. Uber eats probably Uber, Uber, Uber, Uber, Uber, Uber eats probably Uber, Uber. See, the majority of my spending is getting around. Come on. There's still Uber. It's, it's. unacceptable to be doing Uber Eats in your situation

when you owe money to friends and boyfriend. What a disgusting thing to do. Spokman Highland Uber eats, or actually large Uber, so something else. Easy Tiger. Uber, Uber, Uber, Uber. And also, maybe you're going around too much. Maybe you shouldn't be going on. If you cannot afford, maybe you shouldn't be

going all these places if you can't afford the transportation or take the bike or scooter or bus. I know you can bus. From your area, you can bus. Is it convenient? No, you can. Plan it. Uber, Uber, Uber. Metro, Uber. Metro, Metro, things like 50 bucks a month or something or 100 bucks a month. I mean, you do that in the fucking day. Uber, Uber, Uber, Netflix, going into getting some bull-off in the gas station. Certainly know it's not gas for you. Cash apping out money. Uber, Uber.

Motties North Lamar. Probably Uber Eats, then Uber Wendy's. No, Mottis. I didn't Uber Eats. That was. No, I'm talking about the next Ubering thing. Nash and Bevy, the hideout pub, Uber, spokesman Highland, a huge Venmo of $650 bucks. That was a... Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber eats probably. Uber, Uber, Uber, Uber East probably, Uber East probably,

cash app being sent out. Uber, Uber, Uber, coffee, Kung Fu salon, Salon, Uber East probably, Venwaying out 500. so many of these this month. Wendy's. That's how I was paying rent. Jack Ginger's Weekly? Because it's like every second.

Well, I paid, made some partial payments. Dude. Uber eats probably, while she's making partial payments. Well, actually the $500. The Grand Bazaar, Uber,

Nosh and Bevy, while she's making partial payments. Uber is probably Uber. That $500 one was... Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber. Hulu!

For $90. I knew you were going to hit on that. What the fuck is that? You already have Peacock that you try to justify. Hulu has different stuff and it has the live. I pay for the live. Guys, Hulu has different stuff. It has, the subscription I have gets the live.

So like cable. I don't care. You do not get cable if you cannot afford life. You have, you owe your friend and boyfriend money. I'm sorry I'd change the Hulu one, but it just hasn't, I haven't been billed for the next cycle. Bro, this is so stupid. Uber, one.

Apple cash sent out, white tiger. Going in getting some bullshit. Uber. Oh, my. Spokesman Highland. Uber, brew market. Apple. Apple?

Spokesman Highland. Apple. Apple. Uber eats for sure. Go fund me. Go fund paying off your friend, you dumb. My co-worker has a job. I don't give a shit.

I don't give a shit. That sucks that you go working as cancer. You do not have money. And also, if we're being completely honest, that absolutely sucks $30 is not going to do anything. I know. I know it's about the lots of small amounts makes a cancer payment. Like, I advocate for that.

I support that. Let's absolutely give. You're not in a position to and you're hurting yourself. I'm sorry. Send me theirs and I'll give them much more money. That's what matters more. You know? Yeah.

And the more you want to give to things in the future, the less you'll be able to because you're preventing yourself from being able to do anything by not allowing yourself to dig out of a hole. That's what happens. When people want to be a little charitable here and there, but they're in a bad financial situation, it prevents them from being much more charitable over the course of their life. Because you need to get out of this and then you can give so much more. So it's not about the cancer thing. That's sad.

But it's obviously about just the overall situation. Cash app, 60 bucks, barbecue chicken USA, Zilker Brewing Company, Uber Eats, what the f-pill up your checking account for me right now. What a joke. What a joke. That spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives.

What a joke. Available balance, $92. That's insane, dude. That's insane. Started with 21. That's insane. Surprised you have not overdraft this year, holding us so low.

Holding a so low. We got a... Oh, guys, we got a 360 money market account. Got a... What is that? 87 cents. Wonderful. Of which you probably pay a fee to have.

I do not. Okay, thank goodness. That's six cents an interest. Well done. That's crazy. Okay. What? Before we build this budget, I mean, listen, there is an income conversation.

There is, again, I'm a little nervous about if we're in a recession or anything, your industry being impacted. What are we trying to do? Because it sounds like you have no idea what you want to do. You've been hopping jobs like crazy, right? Yeah, I've done a few things. Tell me, tell me over, like, the past 10 years, what of your, what's your job situations, Ben? I was a hairstylist for the majority of that time. What the fuck?

Well, then COVID happens. Yeah. Yeah. Well, but you're in Texas. We were closed for a month. Yeah, but then I sat on the couch for a month and I started getting a tech. That was a you thing. While I was sitting on couch for a month, I started studying for exams and tech, like Microsoft.

Tech certifications? Yeah. Okay. What did you get? I got two different Microsoft certifications. And then I got like once people started hiring again, I got a job. I don't even. One was an Azure one and then one was a 365.

Okay, and then you... Pretty basic ones to get started and... And then you got a job doing what exactly? You're starting to tell me earlier. So I started as... Tech support's good. Tech support. I was making 36-K, so it wasn't great, but it was...

But tech support can be good. You can move up in that. And maybe that can get you into tech sales. Listen, it's not great in tech right now, but I can get you that certification specifically. Tech sales can be really lucrative. It can be... You don't seem like a people person. You're a little bit of a wrist-slitty emo going to kill everyone.

But, you know, if you decided to be a people person... I know. For you, exactly. That's why maybe you wouldn't be good in tech sales. Yeah. Also, a lot of sales jobs, you have to have a bachelor's degree and I do not have that. This is tech sales, though. Sales is more about the grind, the numbers, the resume you bring, and the things, the data you can show. The hustle. Of which you don't have, but a tech sale certificate would help. Okay. So you're in tech sales. You're making 36,000 hours a year for how long? About August to March, about seven, eight months. Why so low? They're slow, little.

Because I got a different job making more money. What was the different job? I worked for SHAI. Oh, it was like... As what? I worked for SIGI as a pre-sales service advisor, so it was like... Okay, so still service. Yeah.

But good. What were you making? Less technical. 65. Look at that. Yeah. Basically what you're doing now, except it was probably more enjoyable, right? More consistent?

Less grind? Okay. Well, yeah. They put everybody back in office and I was living in Round Rock at the time and then I had to go all the way down south and it was... Yeah, that sucks. Okay. But, okay, so what made you leave that?

How long did you do that? How did you just assess your resumes? We're thinking of what to do next? A year and a half. Okay. Okay, shows you stick somewhere for a little bit. I would prefer to, but that's fine. And you're making 65.

When'd you leave that? Where'd you go to? Left that... About two... Yeah, so I guess I've been bartending about two years, not three. So that was straight to bartending from there. So about two years ago. Why'd you go into bartending from that?

I wanted something really quick, and I also just really don't like... Did you get laid off or did you quit? Laid off. They started laid off a bunch of people. Okay. Yeah. Did you get severance? Yes. Okay.

Yeah. So then I went into bartending, and now... And then I just kind of stayed with that. I've spent the last year managing a place. So to build some kind of management on my resume as well, learned a lot. So I can't stick to a place. So your resume is okay The bartending thing Honestly isn't really gonna help it

Unfortunately because it shows that No, but the management Yeah, but the management Oh, you're your boyfriend Want to move to San Diego How are we doing that? How is it even possible? Well, this has got to get worked out first

Well, this is an insane amount of things To get worked out first I know What's your rent? 875 What about utilities all combined? About 150. Okay, what's your phone bill?

1.10. Do you still have your cos... What is it? Cous... Low license? I don't have it anymore. It expired. Why? Oh. Can you re-up? How as easy is it to re-up?

I might be able to re-up. I'm not sure if I would have to take state board again because it's been so long. Your minimum fee payments are $907. Mind of your income is $4,116. Okay. Did you calculate your internet and your utility payments? Or is that separate?

Yeah. Okay. much on Ubering a month. Well, we kind of did it. Listen, I saw about 10, 10 back and forth. Well, let's round it up to 12. You do five days a week. So that's 24 times five times 52 divided by 12. Okay, so that's $520 a month in Uberine. That's chunky. That is a car payment. But you're not taking into account the interest that goes with that. Of course, you get an asset in the end, declining asset. Absolutely. Let's save up. Let's get a car. 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. But except, except no, except you, take the bus. I'm sorry, take the bus. Like, I almost convinced myself to be on your side for a second. No, take the bus. We live in a city.

We live in a city that has a halfway decent bus network. I can gas let you back into a... No, you can't. Take the bus. I know where you live. Yeah. No, you don't. You told me before.

I have a general area. Yeah, and I know there's buses there. I don't know where they are. That's a map. You look at the map. A bus scares me. No, it doesn't. No one's on them in Austin.

You'll be the solo rider. Okay. Maybe the train. I don't know where that. The closest wants us me is, though. But it drops off right in front of my work. Well, that's actually fine. That's actually fine.

She told me where she is. Listen, you can take about a 10-minute bus to the train station, and then a train can take you to work. There you go. Listen, transportation. budget, I think you can do $300 a month. Let's try to cut this down.

Let's grind to the bone, 300, and that's me being generous, giving some Ubers here and there. Okay. You can do that. I know for a fact you can take a bus to the transit hub there that takes the train to your work.

And the train system is incredible here in Austin if you can get to it. And I know you can. Unfortunately, the vast majority of people can't get to it because it's just a very limited line. But if you're on it,

It's a great train system. Okay. Okay, so 300 for your transportation budget. You should be able to do that. Food, you can do 300 for yourself. We'll give you the, can I hand that? We'll get you set up with the budget from the cookbook. You follow it, $300 a month.

It's good. Remember, get it signed by signing up for Dollar Wise Central or the annual version of the Dollar Wise Premium Budgeting app. I'll sign it just like that. But use this. You can do $300 a month at H-UB. We've priced it out. Can I have an unsigned one?

Fuck you. Maybe I'll just bring it. burn yours. Yeah, 300. TP fund, anything else you need to survive, $100, medical health care. Any co-pays, anything on a monthly basis, prescriptions, why not?

Nope. Okay, Jim? I don't have that, but I would like to factor that into the budget because there's one right by my work. Cool. 50 bucks. What about a $25, Jim? Well,

one by your, okay, let's see if we can do it. Let's see if we can do it. Let's see if we can do it. 50 bucks. Subscriptions. Let's see if we can do $30. $30. Fuck you.

Netflix alone is 17. Pick one. Okay. I'll see if I can do 40. Let's see. Okay. Dogs, there's no pet insurance. No.

They're too old. How much for food on a monthly basis? About 80. Is there a monthly care you have to do? Is there anything we have to think about with these dogs? I mean, just flee and tick stuff every like three months. Okay. How much is that every three months?

About $100 for both of them. So we'll call it $34 for dogs under health. Obviously, one's 12. Some expenses will start going up, unfortunately, and I'm sorry. Anything else that needs to be in your budget that I've not taken an account yet? Oh, I don't think, not that needs to be in my budget. All right, let me do the math. What you need to survive is $2,946 a month.

So what are we doing here? This is totally fine. let's just round it give you $170 a wiggle room since this is a lighter budget you'll dive deep in and you'll figure things out well let's say you have $1,000 left over and yeah it's still chunky

factor in the debt payment yeah debt payments of $907 a month listen $30,691 plus $1,389 from the line of credit plus 1,200 from the boyfriend,

plus 700 from the friend, not doing the hot tub debt. And we obviously, the first one was the national credit relief, debt relief. I did that by 1,000. I mean, it's pretty basic math at that point, but that is 33 months. That is not the worst.

We're talking about two and a half years. Close to three years, actually. To get paid off? Yeah. Okay. Two years and two quarters for a bartender is amazing. people take five,

10, 20, 30 years when we do the calculations on this. 30 years! You can do this in literally under three. Boost your income, get a second job, boom, get this paid off in two years total. Okay.

Come on. It's everything. This is incredible. You have the opportunity of a lifetime here. Here's the reality. You don't have an emergency fund that is scary you keep barring from France. I'm surprised you're not borrowing from family.

I guess it's because of the disappointment, right? I want you to pick up a second job. Bring in an extra $500. Pay this off in two years, $500 a month. That's all I'm asking you to bring an extra. Okay? You're interested some personal clients on the hairdrop, you know, side. I don't know, which is whatever it could be.

Coffee shop doesn't matter. Pick up more hours to the bar. Go to a different bar. I don't know. I don't know. But... $500. Are you working on one of the party streets?

No. Probably make more money there, right? Maybe. It depends on in the season. It fluctuates a lot more. Yeah, and the hours. But, yeah, but that's what the money is, though. This is a grind for two years.

You can do this in two years and then call on another six months to build a fully fund on an emergency fund. Okay, I'd get a one-month emergency fund. Or save off whatever your highest deductible for any of your insurance. One month would be 20, what, 29? Is that what we said? Huh? Oh, yeah, with your debt, but. It would be closer to 2000,

2,100 once your debts are gone. So, yeah, I would save up about $12,000. Okay. So call it two and a half years to have a fully funded emergency fund all bad debt paid off. Keep taking public transportation through there as long as you absolutely can

with a little bit of Ubering. Do not get a car yet. You not get a car. And then at that point, we are saving up $5,000. I'll let you put $5,000 down on a $10,000 car. And then you aggressively pay off that $5,000.

How long is a $10,000 car going to last me? though. For a while, dude, cars are expensive. Cars are expensive. And it's not as easy that it has been to find, but you're in a large metro area

in the Texas triangle, which means you're in the middle of also four large metro areas. So you have a lot to choose from. And no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it, so you're going to pay for them to look at it,

and give their full sign off that this is going to be safe, this is going to last you for a few years without major repairs. This is not a forever car. This is a few of your car. And you pay off that extra, $5,000 in debt, preferably not with the emergency fund,

but if it's a high interest, yeah, I use the emergency phone, boom, then you have a paid off card and you've got to build up the emergency fund again. But if it's low interest, then you just pay down that. And then, listen, I didn't see a retirement account here.

Is there retirement? No. Okay. Then at that point, once that is done, we're talking maybe three, three years and a quarter, then we are...

Getting a car for 10K? No, no, no. This is after you paid off that car. Then we are doing 50, 30, 20, 50% on your needs, 30% on once and 20% to investing. Maybe 30, 25, 25, because you'll be starting mid-30s.

Retirement. So you lost the best decade if your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so you have a shot at retirement. Shot at dignity in retirement

because I'm not really on social security. Well, that's a bad way to look at things. But let's look at the higher likelihood chance that it's not going to. Okay. Okay. so that's what I recommend. I'm going to call her current boyfriend

and talk about what her debt looks like because he probably has no idea because she didn't even know about the line of credit. He knows. You don't even know about the line of credit. We're going to talk about his debt and stuff. So I'm going to call him confront the situation in the post show.

Let's get her hammer financial score first. Okay. Spending her budget, you overspent, zero out of ten. Debt, you have collections, zero out of ten. Zero out of ten. There's nothing. There's nothing. There's nothing. Zero out of ten.

Wow. Hammer financial score. It's been a while since we've had one of these. Literally a zero out of ten and she thought it was a three. Good the fuck. Get your financial score. Get your financial score below at Calebhammer.com and come join us in the post show by joining Hammer Elite. Below, three premier shows posted Monday through Friday every single day.

I'll see you in the post show. I'm calling your boyfriend. Hello, big guy. Your girlfriend owes you a lot of money. What does she do instead? She opened this conversation bragging. Hey, I don't spend on credit cards anymore. You know what she did, which you probably do not know, because she doesn't even know?

She's over maxed out on it, which is why she can't use it. I did not know that. Now, does her financial situation make you hesitate this relationship? Yeah, I mean, well, that is, yeah, something that does weigh on my mind a little bit about this relationship for sure. Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us.

We've tried. summer, it's time to put that angry ball of fire on mute. Columbia's Omnyshade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on alolotion. You're welcome. Columbia, engineered for whatever.