Financial Audit - "Financial Audit Doesn't Work"

Episode Date: December 12, 2025

Wait... wait wait... *WTF* ?!?! She owes her *TENANT* money!! How, and she can't even pay it back.. this post show is insane, 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 Wayfair. Every Style. Every Home. https://Wayfair.com ============================= 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 ============================= *Chapters* ============================= 00:00 Intro 05:05 nuance nuance nuance 16:40 red means stop, lady. 27:45 its really not a hard concept 37:20 oh brother 55:01 thats an awkward trip… 01:05:10 Seattle attitude lol 01:27:38 Budget!! ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= *Connect with me!* ============================= TikTok: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://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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To watch episodes of Financial Audit a week earlier, check us out on YouTube. You got a car you couldn't afford. Yeah. You were a literal fucking moron and ran a red light and smashed into a car. Yes, it was an accident. Yes, it was a car accident. So you making dumb ass choices equals you get funded by us. But I'm sure, can you shut the fuck?

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Hi, I'm Charlie. I'm 34 from Seattle, Washington. And this is Financial Audit. Hey, thanks for coming down to Austin. We're filming on Halloween. That's why you're spook. He doesn't really match up for when these people are seeing that, but I appreciate it. What do you do up in Seattle?

Hey. I am an HR coordinator. And so basically, I mostly do payroll. So you're getting laid off soon. No. I'm the only person who does payroll at my company. Oh, okay. Well, maybe not then.

Just HRs just, whoo, so many HR layoffs this year. So it's like the easiest one to cut. Well, I work in the healthcare field. So health care is also getting cut this year. Is it really? Yeah, it's recession resistant, not recession proof. Fair, fair. Especially on more local instances.

I mean, Seattle's a major metro, so you probably have a little extra protection there, but who knows? Okay, very good. What do you make in this job? Yeah, I make 3,1, 20 an hour. Okay, how many hours a week are you working? 40 hours a week. Good. What hits your pay per paycheck?

Net is right at 1900 a paycheck. That's every two weeks? Very good. Now, we're talking 3,800, Seattle, and a chief city by any means. Yeah. How are we doing it on that 38? Oh, man, it's not easy. Thankfully, I make enough that I can live on my own in a little studio apartment, but... Well, are you in, like, the heart? No, not really. I live, what we call on the east side, so across the lake.

Is it because it's in the direction of the east? Well, yes. It's on the east side of the lake. That is a unique name that they call that that is in no other city. Yeah, no, of course not. But people from Seattle will know. People from every city will know where the east side is. Well, no, because so Seattle... Okay, I don't care. Oh, wow.

I mean, I don't. Who does? I'm sorry. I mean, I'll just be blunt. Okay, so people come in and they ask for helps to fix with their checks. Other than that, you're really just pushing button. Yeah, I mean, for the most part. The payroll is mostly automated unless there's like bonus and things coming in.

but even still that's still mostly automated. Yeah, I mean, I answer any questions that they have about payroll. And then I also update 401K benefits, things like that. Okay. Okay. I also partially work in finance for the company. I help out in our accounts payable and accounts receivables departments. Uh-huh.

Help out? Well, you're not getting paid more for that. So that's in your job. No, no, it's just part of it. Again, I don't really. Yeah. It doesn't really impact anything here. But that's exciting, I guess.

Extra things to put under your resume belt. Now, you're able to afford the studio apartment on the East Side. Very unique East Side. Well, that's good. How much does your studio cost? 1,030. Yeah, again, Seattle, it is an expensive area, not even downtown studio. That's actually really cheap.

Exactly. That's what I'm saying. Yeah. And it's still pretty f***. But, I mean, that gives you room left over with your income. I mean, you're well within that, like, 30%. And that's for your net income. So what the fuck is going on?

What are we talking about? Yeah. So I, you know, I have tried to, like, keep up with socializing in Seattle. Try to keep up with socializing. Yeah. And I kind of tried to do your financial score. But you tried? I tried.

I did it, but it wasn't super, it wasn't super accurate. It was really missing nuance for. What's your nuance? Yeah, so I. It didn't take an account that you're trying to socialize? No. So I rent an apartment in Seattle, but I own a house in Missouri. Okay.

Well, that doesn't, that would apply to your real estate score. Yes, so the real estate score is like, do you live, do you own your primary house and have debt? It's not a primary residence. Primary residence. It's just really simple and it lacks nuance. That's not a primary residence. Right. If you answer the question correctly, it goes into another bucket that would further clarify.

Right. So the section that I'm looking at, like it's talking about my real estate availability. And it doesn't have an option once you say you own a house to say, no, I don't live there. But you marked it as your primary. Nope. Okay. Yeah, I just really feel like it's like super missing nuance. It could be way better.

Mostly just on the U marking. Well, it's just really, really simple. It's simple. It's easy. It's just a quick snapshot of where people stand. It doesn't evaluate your entire life tell you if you should commit suicide or not. That's not what it's doing.

It's hard. Sure, not. No. It's a very, it's a quick snapshot. Calebhammer.com. Take yours. Yeah, it just tells you kind of where you are. Yeah, I just feel like it really doesn't understand context.

context of a very specific thing that you said. Yeah, I'm sure you could answer the question based on your thing. It is a little more rare for someone to own a rental property yet not have a primary residence because, and that would be calculated in a score because no one recommends in any financial space, mostly with real estate of owning a rental property without owning a primary residence. That's the first step. Why do you own a house out in Missouri? Because I bought it when I was 25 and I grew up in Missouri.

So it was where I lived. And then I moved to Seattle and didn't get rid of it. Why? Because it was my backup plan. Well, what's it doing now? It's just I have a friend who lives there. They pay rent? They pay the mortgage.

Okay. Yeah. It would be calculated in a score. I'm so confused. I don't know. I feel like you didn't. take it. Okay. Maybe. And how long have you been in Seattle?

Since July 2020, five years. Okay, so five years. What are you going to do with the house now then? I am putting it on the market, actually. Okay, so I don't really understand your complaint then. I'm a little confused. Okay, what did you get? 1.7.9. You told Colton the algorithm graded you wrong because it counted you as a homeowner. You are a homeowner. Yeah. But it didn't give me the option to say both, Caleb.

Both what? Homeowner and renter? Both homeowner and renter. But you're at least in the real estate market. That's what it's calculating, whether or not you're an owner. It's not taking points away for being a renter either. It's being in the real estate market. You're so, what are you? Okay. Great.

I'm glad. Listen, I'll take your quiz next. Okay. So we gave you a score. 1.79. Which rounds to a 2. So you would have been a 2 out of 10. Again, you get yours to Calebhammer.com.

It is free. So we're to stand in the world of finances. That's exciting. I'm glad you have an issue with the score, But you said one of the things you're focusing on why are f*** is because you're trying to socialize. What does that even mean? Yeah, so...

What do you try to socialize? Trying to socialize? Well, because I am 34 and I wanted friends. But also, a couple years ago, I was dating someone who made a much higher wage than I did, a much higher salary. What does that have to do with socializing? He's very social.

Okay, great. He made more money. What does that have to do with you not being able to socialize? So you're throwing your life way to socialize? What's socializing? You should have about three-fourths of your income left, right? Just about after your rent. Closer to two-thirds, maybe.

I don't know. But even still, what is this socializing you're talking about? You're dropping hundreds at a bar every night? Not every night. What the fuck are you on about? Hundreds every weekend. But even still, they shouldn't destroy you with where you're out of your needs versus... Yeah, if you're looking at just my base cost for sure.

Yeah, so that gives you... wigor room. So what are you talking about then? Credit cards, man, they're killing me. Okay, why are the credit cards killing you then? Because even still, you wouldn't be going in credit card debt because you have enough money left over to go socialize. Well, because the credit card debt existed before the socializing started. Then why? Why? If what we're spending on in socializing, how did they exist before the socializing? Well, so, like, some of them exist from moving, and then like four of them were taken out for a trip to Hawaii with that X. He made substantially more but they didn't pay for it?

Well, we were technically broken up at the time. Why the fuck did you go? Because legally due to certain things, he couldn't take anyone else and he had already paid for the flight and everything. Couldn't Venmo you? Okay, it doesn't matter. I mean, I have a note that one of the reasons you want to come on is because you're in a new relationship. So we're not talking about that guy anymore anyway.

You want to fix your debt so you can get more serious. Yes. Ooh. Only have you guys been dating? Eight months. Okay. Cool. So you're wanting to get more serious and you want to fix your shit.

Yeah. Yeah, because he's really amazing with finances. He pays off his credit card every two weeks. Whenever he gets paid, he only... 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 oceanfront 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. Don't you? That's a great question. Because right now it's racked up high enough that I don't feel like I, with the minimums. What does he know about your debt if you're trying to get more serious?

Eight months in, certainly financial conversation by then, potentially. I've tried to talk to him about it. He's not really interested. He doesn't really care. Oh, it sounds like he really likes you. Yeah, I told him the situation with my car, and he's like, why, why are you telling me this? I don't care. And I was like, I mean, yeah, sure.

He just. You said, yeah, sure. Wow, that's love. Oh, no, no, for sure. Sounds like let's get more serious with that. No, he just doesn't think that my finances affect him. Am I desperate? No, absolutely not.

Spending your money to socialize and you complained about getting 34 and trying to socialize. And now you're compromising a guy who you bring something you want to talk to about to him. He says he doesn't care. It is a massive impact of your life. I'm sorry. You sound desperate. Oh, wow. No.

How else would you describe it? So there's a thing called the Seattle freeze. It usually takes newbies a couple of years before they start to be able to get friends in Seattle. It's a normal thing. It's a normal thing that happens in no other, you know, adulthood when you move to a new location. You think everything is very unique to Seattle. Guys, it has any side. Guys, it's harder to make friends when you're adults and you move there and you're not going to school.

The fuck on about, you're one of those people that things are from a race. They're from a really unique city. No, so when I finally did start making friends, I tried to keep up with them. And they make exorbitantly more than I do. Why did you try to keep up with them? That's your choice. You're the one fucking it. Because I felt like that was what I needed to do at the time.

They would have judged you? What were you trying to keep up with? What was needed to, what was being done that you needed to keep up with? So going to concerts, events. You can afford concerts and events. Your needs. Not with my finances. No, well, no, no, no, no.

But you're suggesting why you're in these finances are because of that. Yeah. So that doesn't make any sense. You would have been able to afford it without putting it on my credit cards. Right. So now it's not because of your finances. Your finances are there based on what you've done. But you should have been able to do that cash flowed.

Yeah, you would think so for sure. So this doesn't make sense. Going to a concert every once in a while wouldn't make a break? Every once in a while? Okay, fine. Three to four times a month. How big concerts? Because concerts aren't always expensive.

Is there a fucking local? concert. It's not huge. I mean, it's like all time low, my chemical romance, a day to remember, co-hidden Cambria. I know one. Wow. My chemical romance? Yes. Wow. Okay. Yeah. All time. Yeah. Just like emo,

scene. Yeah. Slit wrist music. Yep, yep. Yeah. We got it. Okay. So again, with the number you have, is it a crazy number? No. But if we're comparing it to the studio price you have for your rent and then we budget everything else in, you could You could afford this. It would not have better.

What is your debt? What is your total number of debt that you try to tell your boyfriend who you love, who doesn't care? So I have about 56,000 in student loans. How about what's your total debt? 135,000? 124. And yes, there's a mortgage in there. This is an incredibly cheap mortgage, actually.

Because the vast majority of the debt is not the mortgage, surprisingly, even though it's $124,000. Okay. So maybe the only reason he finds out what's going on with you is because he sees this episode. Well, I told him before. After he said he didn't get a shit, please stop talking to me. No. Wow. No.

So I told him, hey, I applied for this show. I'm going to talk about my finances. And he was like, well, I don't think that they're going to accept you because your finances are fine. They're going to be bored. He said he's good with finances. And is he? No, he just didn't. know about mine. I do a really good job of like hiding.

Fine. Why do you love this guy? This is this Nass cream desperation. I'm sorry. Does it not? No. How? He's amazing. He's gorgeous. He's the best person I've ever met in my life. I've never dated. Best person you've ever, and he said, I don't give a shit. Stop. It wasn't like. I don't want to hear about your car. I want to hear about your finances. Fuck off. Wow. It was more like my finances weren't important to our. our relationship. It didn't impact our relationship.

He said he didn't care, though, when you brought it up. Yeah, so when I brought up... That's the best person you've ever met. That's why I think it's desperation. No. Because why the fuck would you stick with that? I would never stick with that. When I brought up the car, it was because I was trying to warn him about the situation with the car.

And he didn't... Yeah. I didn't want him to see the show and not know about the situation. Yeah. The car is an interesting situation. I'm sure we'll get into it. We definitely will. But yeah, I just want to warn him ahead of time

so that he wasn't surprised. And he was, it just wasn't, it was a non-issue to him. Let me see what this man looks like. Yeah? Okay. And if we get his consent to put him on screen, we will. But I want to see what he looks like, even though technically in Texas we don't need consent.

But that's okay. We like to be respectful. Yeah. I thought he was naked down under with this. Is he desperate? No. I'm also amazing. Can they see?

Sure. He looks so confused. Hold on to this as long as you got it. Yeah. I'm in love. Hold on. I understand why. He's in love too. Yeah. So in 2017, I got into a major car accident and totaled both my car and the other person's car.

I got chased for two years by their insurance company. Whose fault was it? It was mine, for sure. What were you doing, you beast? So in the city that I was in, there were two lights that were less than a block away from each other. And when I... Also has never happened in any other town.

I thought it was odd. But yeah, I didn't really. I realize that the second one was red. Yeah. Okay, so we should take your license away because you're a moron. No. No. Otherwise, I'm a great driver.

Otherwise, other than when I slammed into someone's vehicle because I can't look at stoplights. Yeah. Yeah, so because of that, they were suing. Oh, and you were slamming in a deer left and right before that accident as well. That's great. My left and right. Yeah, you just kept, you kept hitting head. You slammed into multiple deer before that as well.

Oh. Oh, yeah. The thing I just said that had to clarify like three times. So the previous car, just for some backstory. Why did it fuck your credit? So the previous car had hit two deer in the same month and ruined my radiator. They replaced the radiator covered by insurance, but it just kept leaking. So I randomly went.

and looked at cars and ended up buying a car that was way above my price limit. And three months later, two days after I paid the very first payment on it, I totaled it. And the truck that I ran into was worth $65,000. And my insurance only covered $20,000. So $25,000. So his insurance came after me for $40,000. They kept moving the date for two years for the court, and my attorney suggested that I prepare for bankruptcy,

told me to stop paying all my debts. Okay, so now we understand why your credit's fine. So, correct me if I'm wrong in this. You got a car you couldn't afford. Yeah. You were a literal fucking moron and ran a red light and smashed into a car. Yes. It was an accident.

Yes, it was a car accident. And then that f***ed your credit out of your choices and moronicness. Yeah. Which prevented you from getting a place that you wanted so you milked the taxpayer. So you making dumbass choices equals you get funded by us. Fuck off. That makes no sense that it's not a justification that's even worse. You are a moron.

You don't know how to look at stoplights. You were a moron. You bought a car you couldn't afford. That doesn't mean we. have endlessly higher rents to fund you. What a joke. I wasn't the one who set up that subsidy. I just took it.

The one who milked it. I just took it because it's there and I qualify for it. So why not? Milt it. If I'm not going to live there, someone else will who drives up. I'm criticizing the system and you. Multiple neighbors of mine who park in the garage have Porsches.

Yes, I know the system is. I'm like. everyone and it has never worked in the history of ever. It has never been proven to work. Never. There's not a single rank-controlled city that has actually benefited the vast majority of people. Small percentage, of course,

for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy. It's one that sounds good, one that sounds all moral, but actually leads the results that hurt the majority. And that's all that matters in the end is what actually happens.

Now what sounds good to advocate for. So I don't give off. 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 Rify says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them.

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guess what? 4.6 stars in Google says YRIFI 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-ReFi. They're here to help you actually crush these loans

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living with crippling debt until your 90 is not the retirement plan you dreamed of. Want to know a dirty little secret? And no, 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 DollarWise. It shows you exactly where your money's going every single month, spending, subscriptions, and savings all in one simple dashboard, everything you need and nothing you don't. And when you download DollarWise today, you'll get 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. Okay. So we'll jump in. I guess you have a problem with the Hammer Financial score. You have a problem with anything else?

Yeah. So do you know Rameet? Have you heard of Rameet? I've heard of Rameet. I've never made it more than a few minutes into his content because I don't think anyone can. Oh my gosh. I watch his all the time.

You're one of about 50,000 viewers per video? I mean, he has over a million subscribers. Subscribers are nothing on the Internet. And how many seasons was in that Netflix show that came out a few years ago? I don't know. I haven't watched the Netflix show yet. But I think his conscious spending plan is more worthwhile than your hammer score. I don't know his conscious spending plan, so I can't speak on it. Listen, I'm goofing on him. I don't actually think bad about him.

I saw he made a couple videos where he tried to like milk our name, which is objectively bigger than his in every way whatsoever by every metric presented on the internet. I know the money guys like him. Yeah, but he's probably good as a person, I'm sure. But after he tried to milk my name in order for his own views, as many YouTubers do who just aren't successful on their own, then that's why I'm kind of being a little guni with him. But I'm sure, can you shut the fuck? I'm kind of talking, you, cunt.

Listen, she's like, what the fuck is happening? Like, what are we doing here? I'm the interruptor, not Rameet, not you. I'm the... So... Yeah, so yeah, but I'm sure he's a good dude. I'm sure he has a good show. Obviously, Netflix didn't think so

or else he would have come back for a season two. But I'm sure his conscious spending plans nice. And of the few things I know about him, I think he advocates for renting over buying, which honestly, I'm on that board now. Market has just beyond outperformed buying. So at this point, it makes more sense to rent. And I'm sure he's a nice student.

People like his book. So I'm okay with that. And the money guy plan works, my plan works, Dave Ramsey's plan works, I'm sure Remit's plan works, I'm sure Remit's plan works, as long as it works. That's all that matters. I'm trying. Well, then obviously it's not working, and you don't vibe with this, so maybe you need a different plan. Some plans work for other. Some people need tough love.

Some people need soft connollings. Some people need intellectual talk. Some people need a nice little goon session, okay? Everyone is different. As long as you, the end result is you get better, that's all that matters in the end. It said that my fixed costs are 84% of my income. Well, you've built all your debt up, you tit. That's what happens.

I think my plan would have said that, too, if I asked that question. Which you don't. It's not a plan. It's a score. Like what? One's a plan. One's an assessment. Yeah.

They are different. Okay. I also... Can't do stoplights? Can't figure out online assessments. Can't really do much, it seems. I also had an issue with one of the sponsors that you did. Oh my gosh.

Okay. Why do you even watch this show? Because I think it's hilarious. Okay. Well, all you have is complaints. Oh, well. Okay. I've been watching for two years.

What's the little sponsor you didn't like. It was a payday loan sponsor. It's not a payday loan. Oh, okay. It's. It's cash advance. Cash advancing on your paycheck. No, no, no.

Just like credit cards. I advocate for the FIS card as well, which is a credit card. It is borrowing money. Borrowing money is not. inherently bad thing. I like using these tools. I like using a little, if I want to get something, you do a little advanced thing,

like that's okay. As long as it's managed actively paid back. But it's okay, so the issue I have with it is... First of all, if there's a payday loan, it would be like a thousand percent of interest. No, it's one of those things where you attach it to your checking account. And when your payday hits, you can like get the pay like a week early if like bills are lining weird.

So just like credit cards, okay, you're trying to talk while I'm actually explaining what the thing is because you have a problem with it and I can actually explain what it is because, of course, you probably have no nuanced idea of how it actually works. But in reality, just like a credit card, it can be absolutely abused in personal loans, bankruptcy, private, you know, private student loans, even federal student loans can be used for people who use it for things a whole time that aren't about school. Every debt can be a tool, it can be a hammer that you can use to build a house, it can also be swung back and hit you in

the eye. If you use it incorrectly, then I would tell you to fuck off. Don't get anywhere near In any future read I do for it in the future will include something like that. Of course. But if you use it correctly, why the f*** not? It's a tool. It's a tool that can benefit you that you can use to your advantage like a 0% furniture loans. I do those all the time when I get something new.

I don't abuse it because I'm a credit cardic person who can manage it. Yeah, so as a payroll specialist and being in payroll, I see employees all the time because abuse it and not use it correctly. Because companies offer it as part of their benefits, So abuse it and not use it correctly? They get stuck in a cycle, Caleb. Exactly. Hey, guess what? You're stuck in a credit card cycle.

I know I am. I see this every day. It doesn't mean I'm Dave Ramsey who says all credit cards should die. If you can use credit cards, use credit cards. If you can use that, use it. It is just like gambling. If you think it is fun and you can actually manage it, I don't care. If you can smoke weed and actually manage it, I don't care.

If you can go have a drink at the bar and manage it, I don't care. If you're someone who is an endlessly addicted personality, never stop. step foot near those things. That's why I don't drink or smoke. I know I'd be right. I'd be down that fucking hole immediately. If you can't manage credit cards, don't use it. If you can't take a personal loan out to consolidate a debt and then build up your debt, then don't do it. If you can't manage that payroll thing and not completely, don't do it. It is the same for any and every tool, activity. If you can't... It's time to refresh your yard during spring backyard days at the Home Depot. Get low

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It is the same for everything, lady. Everything is nuanced more than just, oh, you know, I've seen so bad things. I see bad things here every day with Capital One. It doesn't mean I say don't get a Capital One card. I'm just saying that I really respected and appreciated that you always told people not to use those. And so it just really disheartening me. The people on this show. Yeah.

I tell you. not to you as a credit card because you're a who can't use credit cards. You're not a credit card person. Yeah, I know. So I put people on this show, do not do debt consolidations. You can't.

You can't. I don't know people on the show. Do not open a credit card. You can't. They are different. I am different. You are broken. You can fix it and become a person who can use those tools.

Hey, people with gambling addictions on the show, I say, don't gamble! Lindsay, she loves a nice little Vegas trip. She can manage it. So I say, go, girl, go. You can spend that money, have some fun. It is a nuanced thing. And obviously the people on this show, you're correct, should not. You fuck.

And the people on this show are your viewers. You say that all the time, that most people who come on the show are from the the viewers. Well, one, again, because you didn't listen correctly, every single person who comes on the show is a viewer. So let's start that. Number two, the viewers are tens of millions a week. I have not had tens of millions of people on this show. We put out surveys once a year collecting the demographics of our show and the financial positions on the show. At least 50% of the people on the show have an incredible net worth do incredibly well. Many people are in the beginning stages and they use this show as a way to do better. Not every sponsorship is going to be for everyone.

Guess what, you tit? I do a net suite sponsorship as well. That's for businesses that make over a million dollars a year. Is that for every guest who comes on this show? Is that for every single person in the audience? Well, of course not. Because that's only 55,000 businesses that use it because not every business is large enough to take advantage of that product.

So obviously, it is curated to people that would benefit from that product. I'm going to get into these numbers. You are not a smart person. This is ridiculous. Where are you? I'm just saying that. You have no nuance. You are like an internet person.

Kind of like your score? The score has new nuance because if you select an answer to a question, and then brackets into different points based on the answers you gave before. If it was you creating a score, it would be a survey with five questions that none of it change or adapt based on your previous responses because you're TikTok brained. Your TikTok brain where you can't see nuance on anything. Brained.

I'm not saying you're a TikToker. Okay, so your financial score sounds like it was a two out of ten round it up. Yeah. And if you want that, you can get that at Calebhammer.com, like I already said. But if you don't want to be like a guest who ends up on the show, one, don't get in a car wreck like her because it clearly ruined her brain. But two, you can also download the dollar-wise budgeting app. Take the free trial, see if you like it. And if you do, sign up for the annual version because you save a lot of money when you do that.

And then I'll personally sign my budget-friendly cookbook and mail it directly at your door. I usually have a copy right here to hold up, but it appears to have been stolen. for me, so I don't have that and that's okay. Dollarwise. Dot app and Calebhammer.com. Anything else you want to complain about that you didn't take more than 30 seconds to think about before you did? No.

What are you going to say? Are Dave Ramsey's plan of saving up $1,000 before going into debt? Instead of having your highest deductible paid for, like the money guys advocate for, is actually more smart. Dear God, no. I don't like Dave Ramsey.

You don't like him? I like the money guys. I like you. I like remit. You know we all agree on 95% of financial personal finances. Girl, you're a fan of this show. This is the judgy's show that has ever existed. Okay, but you're like goony judgy.

Yeah, I'm guinea judgy and he's religious judgy. Exactly. It's different. Yeah, it is. Okay, it is different. Okay. Okay. Yeah.

What's going on? Oh, man. What's the balance on that one? Wow, I would hope you know. Oh, okay. $2,071. $0.58. Cool.

That's my plot. platinum card. That was opened in 2022 because I had to quickly move out of an apartment into another apartment. Why? Why? Well, because... They decided to stop subsidizing you because you make decent money and you just blow the rest on concerts? I mean, not really, but kind of. Okay. Oh. So I didn't know that that was a subsidized apartment. So I filled out the paperwork and I was approved. Good fuck. And then three months later, they

came back and we're like, oh, by the way, you make too much. And I had to move out within 30 days. So I was like, okay. Yeah, no, I was totally fine with leaving. Well, I don't know if I'd kick you out. I'd make you pay market rate until you could transition. That seems like a pretty brutal system. Yeah.

I would just make you pay market rate. But okay. So I moved. But you had to borrow to move? Yeah. So listen, you're in subsidized rent, meaning you had a lot more money left over. But you have to borrow to move. Because I don't have any savings.

I have a really hard time saving money. Hard time. Why do you have a hard time? I'm kind of one of those people who I make sure that all of my like minimums are paid every month. Wait, actually. Everything's paid and then anything left kind of just disappears into the ether. Ether. I do have a concern. Yeah, sure.

You said you've watched this show for two years and it sounds like you've been watching remit. Is it rammet or remit? Remit. Oh, okay. I always thought it was ramet before this, but I guess that is a little more. Yeah, that sounds right. Okay, good. You've been watching. for a while.

You know of Dave Ramsey for a while. If you've been consuming all these things and you've done nothing, what is this actually going to change this conversation? Yeah. Because you've been watching the content. You've been, see,

even the 50% that answer our annual quiz that do better, you know, than vast majority of Americans who are in the audience, and they're about 25% are struggling and 25% are on their way. That's usually about what we see.

You know, they still watch the show, one, entertainment, to motivation. Surrounding yourself with money content, money books, things like that. Keep people motivated to their goals. You've been surrounding yourself with this shit for years and you've done nothing. In fact, I've seen a snapshot last month and it's horrendous. Yeah.

What the fuck? This year, I finally got to focus on my mental health. What mental health? So I don't want to talk too much about that. But it did help me a lot to focus. finally get my meds in line. So now I'm working more. Okay.

So you feel a little better this year. That's good. Great. Well, we're at the end of the year. Things are getting better. No. No. No. I see a late fee on this first credit card is actually what I see.

I also see income coming in of basically what you said. Actually, a little more. It must have been a triple paycheck month. Yeah. Okay, that came in yet you still spent more than that, hundreds more, in fact. So, yes. Believe it or not, numbers actually add up an equal numbers, and that's what the accountant who went through this found.

I know you help with payroll, but... For sure. No, I totally agree. Numbers do count. Yeah, the amount of stickers on front of it is not going to make the math work more. I know. So the reality of the statements that we have, which is the month, shows you bring it in $3,800, $10,922.

And total out, out. Wait, was how much in? 3,810. Oh, okay. Of the statements that we have. The statements that we have. 4,108, 52 went out. Can you tell me how much went to going out?

Because, listen, you're getting better. How much went to going out to eat? Yep. So going out to eat was about 600. $528.79. Okay. So you wrote that down yourself. And yet you've changed nothing.

Yep. That's an interesting strategy. In the last month, things have definitely changed. Oh, the month I knew I was coming on the show, almost like every single person in the history of the entire existence of this show. That means nothing. If you're going on the biggest loser, then it doesn't matter if you were healthy for a month.

Like, you know you're coming on the show. So the little, that's why we do the previous month, because this is a real month. This is what the life actually looks like. You're spending almost minimum $1,000 on bullshit. Yeah. Reminder, we are subsidizing you spending $1,000 on bullshit. That is unacceptable.

You're milking the taxpayer. You're making everyone's cost of living go up in Seattle so that you can spend $1,000 going out to eat and doing miscellaneous bullshit. I don't think that trying to have fun and live my life while also being able to live a more healthy lifestyle is necessarily always bullshit. Hold on. I mean, I'm sorry. Listen, this is a complicated position to be.

be in. I want to follow your rule for the one, your thing. Yeah. Right? Yeah. So I'm not going to make fun of the thing you chose. Yeah. Just don't call me. But you can say I'm unhealthy. You can't say living a healthier lifestyle. You can't say that here. You can't lie. A gym membership might be nice, but you can't say healthier. Okay. Well, you can't say healthier lifestyle when a thousand dollars went just going and consuming bullshit. You cannot. I won't make fun of the thing. I follow every rule that the guest. tells us to not do.

She said, don't make fun of it. So I'm not going to. That's great. I respect everyone, and you get to make up your own rules. You cannot tell me that you are, this is being healthier. So at the end of July,

I completely... Which, by the way, pause because I'm the interrupter. Yeah. I apologize for that. Listen, I will agree that, yes, health comes before finances. I've always said mental health

comes before finances. There's been follow-ups for someone's mental health got worse. Their finances stay the same. I said focus on mental health before you do finances. Physical health absolutely does.

We had a caller in to our Hammer Elite Hammer Out show where someone needed a surgery. And I said, go into fucking depth for it. You need this shit. It's not an option. You're blowing $1,000 going out and doing bullshit. That is not health. If you pointed in here and there was 500 on Ozempic,

I'd be like, I'm okay with that. This is not health. Take a step outside. Take a step outside. Welcome back and I'm glad you're feeling better. We got some tears, anxiety tears, right? Yeah. Okay.

You know, and I wasn't going to, I was just going to strictly move on because I was like, oh, I don't want to trigger her, but I have a no, I think Colton typed that you wanted to explain yourself more. Yeah. At the end of July, so middle of July, I went on a trip to Worlds of Fun in Kansas City with my best friend. And in 2023, I started taking Wagovi. and I lost 80 pounds. That's good. So then I had to stop it in September of last year because I switched jobs.

I went from a job that paid 23 an hour to my job now that may start it at 30. So why did you have to stop? My new insurance doesn't cover it. Okay. And that's why I am not on them anymore, but I am just doing a total life change. At the end of July, I started. I threw out everything in my pantry that was processed. and replaced it all with whole foods.

Which I appreciate, but that comes back to where we ended. Right. You spent 700 going out to eat. I know. I also spent, by my calculations, about 800 on groceries. That's good. I'm not complaining. Did you hear me call out groceries?

Did you hear me call out groceries? I didn't. I complained about the going out to eat. If I'm not complaining about it, I don't care about it. I complained about the going out to eat. I totally get that. But is that healthy. No.

Well, hot pot is really healthy for you. Uh, really healthy? Compared to other options of going out? Compared to other options, sure. If we're comparing going to a salad or a certain versus going to McDonald's, of course. But it's still, it's... I go to hot pot. I like hot pot.

It's not like, it's still incredibly high sodium. It is still a lot of things. But I have lost 15 pounds in the last three months. So... Keep coming? Yeah, I... Keep that going. I mean, that's a win.

For sure. It's the $700 going out to eat. Yeah, absolutely. Budget health as well. Budgeting is so stinking hard. No. It's hard to start with the debt and then move, like, get started, I guess. Okay, well, what's hard about getting started?

Just, like, collecting everything. Your minimum fee payments? But it's that difficult if you put it in a budget and not like dollar-wise, though, because it just tells you. Well, you get it all. I can't afford dollar-wise. wise, so. No, that's a literal

blatant lie. You spend 700 going out to eat. That's true. It is, it's a few bucks a month. I can't afford. Like, with,

hey, I would like to explain to you. It's a podcast. Can I talk? You can, but that was a lie that you can't afford it. Well,

yes. But. So, in these bullshit alone is 400. So, like, what? Also with my ADHD, out of sight,

out of mind. If I don't have it in front of me, I forget to do it. So I have a budget book. Your subscriptions, you already spend $47.39 a month. Yeah. So, yes, you can afford it. Now, I understand that. Maybe you're better pet on paper.

That's okay. But you can use that to set up because you said setting up's the hard part. So let it automate, set up, and then write it down. So I did try setting up autopay. That's auto pay. I'm talking about you said it's hard. getting all the debt, you know, set up in terms of minimum fee payments, getting everything, let the app automate what, everything, where everything is going,

and then just write that down. And then you can manage it from there. But if you have the hard time of just getting it set up, then, well, again, let us system automate and write it down. Well, I tried rocket money, but it didn't make any sense to me. Well, a lot of them have a higher learning curve, which I also agree is kind of bad. So that's why we moved on from rocket money and we support dollar-wise because it's much easier. So I tried dollar wise at first. I was one of those that like started it right whenever it came out.

Yeah, that doesn't. That doesn't matter. That's already done. Yeah. That's long and gone. I can try it again. Yeah, it's a completely different app. It's not even close to what it was at the beginning.

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But I definitely want to try dollar-wise now that you guys have fixed it. Like my brother tried it. He really liked it. Yeah, it's good. The whole engineering team over there working on it. Last time it was a third party that wasn't very good. And that kind of sucks. And mistake on my part, but as long as you finish this mistakes, that's all that matters in the end.

Yeah. Listen, you have a late fan here. Yeah. Why the fuck? So most of the late fees are because of the platinum card and one of my milestone cards, I didn't realize that they were due earlier than my other credit cards. Today we helped a latte for Sam. Coffee shop, get an insurance quote simply and easily, and made sure a floral delivery van

was able to make someone's day. 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 the hartford.com slash small business. You're on auto pay. So I did try to set up auto pay for all of my stuff. But then 30 seconds. I made a payment on my student loan and I checked the little box that says use this information to set up auto pay. Okay. Five days later they took out the auto pay. Okay.

It's my account. What was the payment? 260. So it made like my insurance. You should not be in a position where that maker breaks you. With where you're being subsidized and where you're spending your money, 260 will you spend $700 going out to eat? Like, that's you. That is not the student loan's fault.

That is your fault. Your spending behavior. Your lack of responsibility. Your immaturity. It is your fault. You've had too late payments this year. So, okay, maybe that excuses the first one. What about the other one?

I don't know about the other one. Exactly. So this is behavior. This is you. This is not student loans. Yeah, but I'm trying to change it. Hundreds of interest this year so far. 30% interest rate.

Okay. I asked my mom about like how, like what I would have learned from her about finances. And she said. What I would have learned from her? From growing up, like being around her. I was like, how do you handle your finances? And she was like, well, we didn't have savings. I didn't have 401K, but everything was paid for and you had what you needed.

and that's kind of like how my life has been so far. No, I'm saying it's not good. That's how it's been and I want to change that. Okay. When did you hear that from her? Last week. Okay, I was going to say, if you heard that growing up, like... Yeah, I asked her, I was like, hey, mom, I know that like we never had money for like doing a lot of stuff.

So I'm just curious how you handled your finances. And she said, basically... Oh, man, you're going to love this. So my mom's first husband, the father of my two older siblings, died when my sister was two. Wow, I love that. So she got Social Security death benefits from that. I'm sorry. Especially because you're crying, you're anxious or sad.

So I'm sorry for saying this. Oh, no. Go ahead. But why the fuck does your mom matter right now in this conversation? I don't give a fuck about how she runs her finances. It's not you. What we learn as children with finances. You only learned how she ran her finances a week ago.

But I knew we didn't have money. I knew she didn't have savings. So? And that's, I'm just saying that that's how my life has been. When I saw foreclosure notices, when I saw having foreclosure notices, when I was,

when I saw foreclosure notices on my house, when I was growing up, that meant when I was 23 starting to finally learn what like money is. I was like, oh shit, I don't want to be that. So I fixed my shit by, what, 25, 26? I don't know.

Learning at 34. Okay. Okay, this is a firm. Yes. At a 25% interest rate. You got Amazon, Samsung. Bluetooth headphones. That's what we need to be financing when we're getting our shit together.

Yeah, we're really getting our shit together with that. Yeah, I needed headphones for my hour walks three times a week. No? No. Your Bluetooth headphones that were. more expenses than you could afford? No. I mean, they were part of a bundle. You don't need them to go on a walk. You want them

for your walk. Okay. Well, they were part of a bundle with my watch. Bundle that you could afford. Did not need your watch. Well, the Samsung one is on zero percent interest. Okay. It's a minimum of the payment. You can't afford your minimumity payments. You did not need it. You did not need that aura ring that I see around your finger. It's actually the Samsung ring and I pay for it with my FSA card. Okay. So that's... Well, that is money going from...

from your FHSA that could be used on an annual checkup and whatnot. Already did. I put $3,400 a year in my FSA. It is still your money. Just because it's tax advantage doesn't mean it's free money. Do you think I should lower my FSA then? Because I max it out every year. We're not saying that, but you're still spending that money.

I have to. On something that you did not need. FSA is used it or lose it. Could I spend it on GLP's. I was going to, but it was not financially. What a worrying is. had to use those funds. You did not need to get Bluetooth headphones.

True. So. Or the watch. I got the watch because I swim twice a week for an hour and the ring does not track your swimming laps. Do you hyper need to track it though? You already know what you're doing? I mean, put it in. Put it into the-

Yes. You can track things. You know how most people track their workouts? Well, a lot now on garments and shit. Absolutely. Absolutely. But you know what we've done the vast majority of time? since we've had phones, you've put in how long you worked out at what level of resistance or effort.

And then it just does like what it thinks your calories. This is a perfect no, but you're still tracking your workouts. Right. I'm saying you don't need. My watch measures that, though. I know it doesn't say you don't need it. I don't know how to measure it without it. How do I measure my heartbeat while I'm swimming? No, no, because it's not going to be an exact 100% calorie,

but it is going to be in a very good range where you Google, if I'm this, height, this weight, this age, and I swam at this effort, this pacing for this long. How many counters did I probably lose? Boom, import it, you're good. And then you didn't just spend money you couldn't afford. Listen, it's not the worst. It's not the worst. I'm not dying about it.

But the thing is, you're trying to justify this. You're trying to justify this. You're trying to justify this. You're trying to justify everything. If we justify everything, I'm saying, fuck you. Okay? If you got one of them to watch, cool. We'll call it there.

You're justifying everything. It was a bundle. You didn't need to get the. the bundle. My gosh, lady. Okay, your money payments are like 100 bucks a month. Pull up your Amazon because you're buying things on Amazon too. Hold on. I have to sign in because I deleted it so I couldn't access it and then I downloaded it again for you. So just sec.

While she's pulling that up, I'll say on the Merrick Bank, we got $956.26 in 23 cents, which is maxed out, basically. Minimity payment, $41. Oh, fees. It's an annual, a monthly. Okay. Merrick. With interest. Focus on your Amazon. Oh, sorry.

Four years to pay this off if we do minimum fee payments only, which is what we do. And don't purchase, which I'm sure once there's ability to purchase, we will. Hundreds of interest, as usual. There's no ability to purchase on that. It's closed. Good. That's good because you're not a card to card person. Okay.

We got lots of meal prep containers. I'm not freaking out about that. Little concerned you didn't have them, but that's okay. If you see they're returned because I spent $120 on them And then I found them on Facebook marketplace for $24 Pens and aesthetic book shit Spresso, classical Colombia That was for my chia pudding

Okay Lather Repair Patch tape kit Oh I got a free office chair for my at home office for work Because I'm a hybrid And it's a really nice chair But it just had a hole in it Whiskers For chia pudding

Leather Repair Kit The chair Rated Band Watch I don't need commentary Thank you Well These aren't the worst

Most of them are Things like toilet paper tissues This is okay So isn't the worst Lots of all of a sudden Chargers and cords That came out of nowhere That was we were in an era

And then there's some We got cases for our Bluetooth Samsung things There's the Samsung Galaxy AI Smart Ring How much did that cost I think about 350. That was not part of the ring.

That was on the FSA, Caleb. It's still your money. Use it or lose it. So the only option I would have is lower you. You know you have more things to use it on. We've already talked about them. But I still have money. Okay.

Good. It's not the worst, but it is a lot of things. It is. What was the merit card used for before it was closed? So, Merrick card was the trip to Hawaii last year in May. Yeah. So we went to Hawaii for a week. We stayed at his company's house. And we went with six other people, two of which are tech bros who make like 500K a year. And my ex, who's also a tech bro and is at like 250 a year. And so I had to pay for my own food and stuff. Oh, that's where I was going. Yeah.

Oh, my gosh. So I opened a credit card so that I would have the funds available. Thank goodness. I'm glad the city of Seattle and everyone's rents went up endlessly to subsidize her Hawaiian vacation. Well done, Seattle. Maybe I need the mayor of Washington out so I can tell this for these policies. Because at least when I had the governor of Michigan on, they don't have, it's illegal to do rent control policies because it discourages building in their city. And the cities in Michigan.

Well, with all the construction, I see. I think they're not building. They're building a lot slower than demand, though. A lot slower than demand. Why do you think the cost of living is so substantially higher there? I thought it was just because people make more. But that makes sense. They're often correlated, though.

Yes, people make a sh** in San Francisco Silicon Valley, but they have to. They have to because they have to afford minimum million dollar shacks. Because they won't build density in Silicon Valley. And also like NIMBY. right? Yes. What do you think Seattle and rent

control basically is? Yeah. Okay. Yeah, you're taking advantage of it. Very good. Milestone. What's going on with this? Because it's basically maxed out.

$910. $0.409.49. Yeah, what I was saying. Interest accruing. Minimity payment, 46, which is what you're doing, takes three years to pay off. What I was saying

earlier is I have always very much been the kind of person who, like, makes the payment and then spends what's left, like what you just freed up. So, yeah, didn't we already basically see that on the Affirm in Capital One? Yeah. So that's still happening. Not I have been, you are.

Yeah. So closing's a good step because I would close cards that you cannot manage. Because again, it's the hammer that's swinging back hitting you in the eye. I was trying to pay them down and I was, I just kept spending on them. I'd close everything, including your firm. As soon as I pay them off, I'm planning on it. but it's getting hard to get on paid off. And I don't know where my money's going.

Obviously, that's not fucking working. Okay, so this is new. I just did this. But my usual... My usual is this where I just write down my biweeklies. Yeah, I'm sorry. Your system's not working. Listen, yeah, you went super girly with it and it's cute.

We love it. But it doesn't fucking work for you. So I don't give a shit. So I don't know what else to do, though. We've already discussed it. Dude, use an automated app. Even if you're less inclined to look at, it set reminders for yourself.

They exist for a reason. And why do they cost money? Because every single account you connect automatic costs us money. So I'm going to ask us money. Trust me, the margins are not as great as everyone thinks they are. Most budget, you have to lose money. In fact, we know one of our competitors, Monarch, loses money. At least we have a slight profit margin.

Oh, they're pretty big, but, yeah. I kind of have a plan for paying off. 35.9% interest rate. What's your plan? Yes. So. This next one's over maxed. Yep.

So I'm selling my house. Good. We'll talk about it later. Yes. It's worth twice what I owe on it. I hope so. Where are you getting that information from? My realtor.

Not good information. Okay. And also Zillow, but I know Zillow is... That's not great, but at least it aggregates data a little better than a realtor who might just be trying to sell you on it. Yeah. Okay. Okay.

Well, that would be nice. So I'm hoping. Oh, that's a debt payoff plan, but that's not a sustainable debt payoff plan. Because, again, that's like bankruptcy or consolidation without a change of the behavior in the first place. And I see last months of behavior still spending $1,000, which is over a fourth of your income on bullshit at a minimum. By the way, it's probably closer to a third. We'll see. So would I immediately destroy all the equity you have in your house to build all your debt back up again?

I wouldn't necessarily suggest so. You can say you're different, but I've seen it on this show every time someone's, tried to do that. Well, I already closed all of my credit cards and deleted all of the apps off my phone except for the ones that I had to redownload. It's a good start. I'm not saying it's a bad step. If you don't change your behavior for proven three months before you do this though,

then I wouldn't do it. Yeah. It needs to be sustainable. Exactly. It needs to be sustainable. Everyone can delete DoorDash from their phone. I need to see what it looks like over the course of a few months before you jump the gun. And I'll come back on the follow-up show and we'll see that.

So where are you over the limit on this second milestone card? late fees because I didn't realize... I didn't realize it was due earlier than my other cards. But also, also I found out recently... You're talking about auto pay. Because I don't have the extra money chilling in my account to cover it. Yeah, you spend $1,000 on bullshit. I know.

You say you have some reasonable talk throughout this conversation. You look at your decisions you're doing right now. This makes no sense. Yeah. Like you say some reasonable talk to not get pushed back and I appreciate that. But like what the fuck? Look what you're actually doing. It's no sense. Oh, I didn't have $45.

Fckar off. $107. Well, no, it's because you're late. Yeah. Also, the late fees over the last couple of months are on purpose. They're on purpose. Because since they're closed, I did the thing where I called them and asked them if they could lower the interest so I could get it paid off. Uh-huh.

Except that's the late fees for the past few months. I've had a late fee almost every month this year. So that one, they lowered it to zero percent interest because it has been late so many times. my other two cards with that same company. I was so many times. I understand the past couple months. It's been all year. It took, it was all year.

I had it set up to come out on my second paycheck of the month, not realizing that it was due. All year? Yeah. I just realized it a couple months ago. So it's like looking at stoplights. This is incapable. Sure.

If that's what you want to say, Caleb. Well, I mean, it's been all year. You weren't seen anything happen. You're writing it all down in your fancy little books. Yeah. So obviously it doesn't work. The fancy little book is just writing down what is due during that paycheck. And then I go in and make those payments.

You don't check if you ever make the payments on time? I wasn't at the time. Also, so that one is now 0%. So I can pay it off. But the other two are not eligible for the 0% because they've never had a late fee. So for the next three months, those will be late because I would rather have the 0% interest. How late, though? Um, it just less than 30 days.

Because it could hit as a mist on your credit. No, no. Yeah. It would only be like they send me a notice saying it's late. I go in and pay it. Absolutely not wanting it to hit my credit. I hope so. Based on how you manage things, if you actually manage that appropriately, very curious.

I have worked really, really hard over the last several years to get my credit where it is. So I don't want anything to hit it. It's not great, but it's 622. Pulled up from like 520. Okay. Caleb, I'm trying. 618.51 cents on this

destiny card. Almost maxed out again. 21 minutes to pay off, two years basically. $43 minimum payment. What's going on with this card? Originally open for Hawaii. And not just by... Two cards?

Oh, four. Great. Multiple late fees this year. Are we surprised? No. It was for clothes. and stuff like that. 36% of interest rate. Yeah.

It's insane. Concora, the company who owns those three cards, it's kind of like, I don't know, just crazy interest rates that I never thought were even possible.

Credit one. Yep. The worst of the worst. What is going on with this? So that one, I actually closed it several months. months ago.

Okay, you've closed the hall. I don't know. They sent me a notice asking if I wanted to reactivate it. Yeah, they want your money. I felt like I was doing better at the time. And see, this is the concern with all the good talk she's had. With the good talk, like, I'm going to, I'm fixing, I'm fixing. I'm fixing.

She just did this. She thought she fixed it like a month ago. Then she reopened it and f***ed it. Dude, no, you can't do this. You can't give me all that good talk, that good soft talk when you literally just proved a month ago that it didn't work. I know. That's why I reclosed it, Caleb. 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.

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Where you're doing shit. Listen to just takes a few minutes in it is free. Figure out where you stand in the world of money. Calebhammer.com. Yeah, I'm glad you did. But I'm talking about how you immediately thought you did better at like a month. So you reopened it. Then you f***ed it.

Now you're going to sell your house goes, oh, we fix it. We're fixing it. I'm going to pay it off and it's all going to be good. No, you just proved you can't do that. No, that's why I have a plan in place and I'm not ever going to be a credit card person. No matter. Okay, so I have coworkers. I have a coworker who I told him I closed my credit cards

and he looked at me, he said, how are you going to pay for anything? I don't give a fuck about your coworker. And multiple people have said that to me. I don't care about them. Debit card. I'm just saying this is like the Seattle attitude. We all have that dream trip.

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Guys, it's the Seattle attitude. You gotta have credit cards. No one else thinks that. You're weird. You think that only happens in Seattle. Eastside, making friends in a dollar after school, using credit cards to buy things only in Seattle. No, maybe it's a Missouri idea.

No, it's not an everywhere thing. It's an everywhere has all of those things. I had never heard before people only spending on their credit cards and then paying with their checking. accounts. That's not something that I knew existed. Like they don't use debit cards at all. Who does

that? Do you do that? Yes, of course. We live very different lives. Yeah, you're... I know. I'm not. We do. I fixed it. I'm trying to fix it.

Yeah. I know. We'll do. Maybe. Well, I hope you do, of course. but like this, the way you talk about things is concerning me. I'm trying to be optimistic. Exactly. And optimism is okay, but blind optimism is not because you're kind of setting your,

you know what you're doing? You're taking the W before it's happened. Okay. There is, there was some report or study done on we've already talked about weight. So, like, essentially it's been like, you go up to someone after you've died in from where. you're like, I'm on a diet.

And you already get that win that you would have felt if you actually actively diet and worked out for a few months. And someone said, wow, you're starting to look good. You immediately get that win even though you've done nothing. You're getting the win of saying, I'm going to work on it. It's going to get better instead of actually putting in and getting the results. Yeah. So that's why you're doing all this self-talk and all this positive talk and all this.

Listen, optimism's okay. I'm not saying don't be optimistic, but you're already accepting the win before you've even done anything. Because we see here and it's only an L. and your actual behavior and spending that you've done and are doing at this exact moment are only an L. Yeah. Not a win. So I think that my mindset has changed a lot. Cool, mindset, not behavior.

So I don't care. Because. I'm sorry. I'm not going to hand a wind to it. I'm not just for the sake of being a nice. I don't want the win. Then I don't care what you're saying. Okay.

I'm sorry about that. Like, just because you're crying too and I'm sorry. Like, I am not going to just sit here and treat you different. right? I'm not going to. I'm not going to because your mindset has changed. Excuse the behavior not changing. Like, I'm not trying to excuse. I'm just trying to explain.

But the explanation is a cope. Okay. It is a preemptive victory lap that has not been earned. Okay. Wait, do it. Come on the follow-up channel. Come on the follow-up channel and it'll give you all the high-fives in the world. No, no, no.

I'm not telling you what you're supposed to do, but I will tell you what you shouldn't do. And what you are doing throughout a lot of this conversation. and we've honestly probably cut some of it because it's been absolutely obnoxious is you're... What are you crying about?

It's just reverberations from earlier. I'm not upset. Okay. I feel like you're... It's just anxiety. No, I get it. As an anxious person, I get it.

I really do. I understand. Every single time I say, hey, this is bad, you're like, well, I, you know, I've 100% changed and I'm changing, and I'm going to change it

and everything's changed. It's not. And I'm not allowing you to take. that victory lap because it won't result in anything. Because you know what you, in your brain, wants from that and what you're hoping for is a high five walk out the door. Like, that's what you're instinctively wanting.

You're wanting the positive benefit that comes before the change has been actually provided that provides the hands like the high five. Come on the follow show. Show that you've done it in the behavior and I will give you a high five. You can't come on here and say, I'm changing. It's going to change and everything's great. Well, everything on paper is completely fpped and expect the high five. That is not going to happen, and I'm not going to allow it.

And it's, that's a bad way to live. Because that means you will never actually go and do the work to get the reward of actually feeling good because you're already feeling good telling yourself you're going to do it. Okay? So minimum monthly payment on here is $59. Yep. Interest fees. Yeah.

You only paid 30 towards it. Oh, is it credit one? It's actually 30. And a late fee. Well, it ain't because you're a late fee. So it is, you're a late fee. 30, taken off that time. We've had fees this year like crazy.

Interests this year like crazy. Over the credit limit, if I'm not mistaken. Great. Okay. Capital One, Quicks, Over. What's going on? So that was a Walmart card that was transferred over to Quicksilver. So only ever used on groceries. I have since closed it because I would make the payment and then go get groceries and subsidize.

Yeah. Transactions. I'm having a transaction right here at Walmart. It just happened. I'm glad you did everything like the day before you came on the show. Like, I'm sorry. This is what you just did. You just purchased at Walmart.

Interest accruing. What's the rate on that one? 30.99. IRS? Yeah. What? They say that I didn't file in 2018, but I've never not filed. No.

Not correctly, clearly. Yeah, so it's that... Is it ever your fault? I mean, it's my fault that I didn't file, for sure. It was... I'm just saying that I didn't realize that I didn't file. Okay. Sure.

Yeah, I'm not trying to say that any of this isn't my fault or it's... Well, you just said, but I file every year. No, I said I have filed every year. I didn't know that I didn't file. Okay, 2019 was... It's only $5.58. You spent more on bullshit last month. You could have killed this.

Yeah. But I thought you fixed it. I thought you fixed everything. Well, whenever I do my weekly, like my biweekly budgets, it doesn't feel like I have the money to do that. Because you spend it all on bullshit. Does your biweekly budget tell you that? No.

It just tells me I have like $200 left over after my fixed costs. I don't think your cute little pamphlet is working then. You might be right, but I want to change that and I want to do better. There it is. Which I appreciate it. I want you to as well. That does not excuse that this just happened. Because that's what every single guest will say on repeat when they can't handle pushback.

I know what you want. Congratulations. You are like, what? Okay. A question from me. Yeah. Sincere. What do you want for me when I tell you this is bad?

What you did was bad. And then you say, well, I want to change it and do better. Do you want to hug? No. Because the reality is, cool, I'm glad you want it. You're doing nothing to fix it. So I'm not just going to accept the fact that you want it and it's okay. Well, I try.

You handle every piece of pushback with why I'm going to change it. I'm doing better. No, you're not. I tried to set up a payment plan for it, but it doesn't give me the option. You don't, dude, do you spend towards it this bullshit last month? You just kill it. I know. I didn't realize that I spent that much until I crunched the numbers.

when I was sending you guys the statement. It's a late penalty. All of it. All of that one. Is this a separate IRS? Yeah, that's for this year. It's just what I owe for this year. Good, dude.

What are we doing? Please don't tell me. Why is there a third IRS? No, that's the same one. Oh, a amount passed on your minimum? No, that's just the amount that I owe from 2024, 5366. Why do I have $5.55.22? That's the 2018 one.

No, I have 558 and 555. I have two separate balances. No, there's only one. Literally, from last year, you owe $53 and you haven't paid that? Well, no, not yet. I'm going to. I haven't. Okay, so she's excused.

No. Number of laws, everyone. She won financial audit. She won. She gets rid of, there's no pushback required. What? How can, after we judge? I just had that conversation.

You've had all year! It's the 11th month tomorrow! I'm going to, fuck you. Yeah, it's out of sight, out of mind, that is not an answer I will ever allow on the show in the history of the fucking world, especially from you at this point.

You're a repeat record. I'm going to? You should have. Yesterday this morning, right now. Should have, could have. That's hindsight 4040, But we're not getting out of this conversation from I'm going to.

You've had all year. Yeah, no, I'm totally fine with you. You're going to me about it. What do you want me to say, Caleb? I'd rather you shut up than not say that. Okay. Good f*** I'm going to. No, maybe you can tell me why you didn't.

But don't give me a cope I'm going to. When everything here suggests, no, the fuck you won't. Like, I will not accept it as an answer. You can tell me the why behind something. But don't give me the co-op. I want to change. I'm going to change. I am changing when no.

At the time, I didn't have the money on me. $55? And then I forgot about it. Out of sight, out of mind. Until I pulled the statements, I forgot that it was there. They don't send you a monthly statement. No, but they will garnish your wages. I don't even know, man.

And I will be the one to process that garners me. Your attitude on all this stuff. And the way you view the world is like, it's this unhealthy. I might need you to change your worldview before you change your budget how you interact with all this. I know you're trying to be positive for the sake of positivity. That's all good and well. If it's resulting in harm, which it is, then I don't give a...

So I have kind of changed my worldview over the last eight years. Wait, wait. Did you just hit me with a I just changed again? No, no. Let me explain. Okay. When I first started getting credit cards in 2012, I have... I had in my head that it was, I was never going to pay it off.

So it didn't matter if it was maxed out. You're all maxed out today. I know. Tell me how that has changed in two years. How that has changed? You said you changed your philosophy in two years about credit cards. And you said back then you'll never pay them off. They'll always be maxed out.

Two years later, they're maxed out. Yeah. So I used to just treat them like a utility payment, just a monthly payment that I had. and now when I... You're only making your monthly payments right now. I know. I'm not saying that it's good, Caleb. I'm not...

I'm not saying that, but you're saying that but you're saying you changed in two years? No? Yeah, I started watching your show and I'm like, oh shit, no, yeah, you're right. I need to take care of this. Yeah. Okay.

I know. I'm glad we went down the story. Sure. You didn't do anything. Gosh, I feel like I'm being mean. but you're just, you're giving me insanity to work with. Like, that was crazy. Yeah.

Come on. I don't want to just bully you, but what the fuck was that? It's multiple changes of worldviews, and I need to change again. Or multiple personalities, I can't tell. I mean, I am a Gemini. So. $2,468.4. Ode on this Chevy EV Volt.

What's your minimum monthly? Um, so technically, the minimum monthly is 280. but I pay $250. What? You pay less? Yes. So this car was purchased in conjunction with my ex. Oh, he sends in.

April. Okay. And he only accepts 0% from me, and he just pays the payment. What, he only accepts 0% for me? So I... What does that mean? I offered to pay the full payment and he was like, no, you're not going to pay the interest on this. Just pay me $250 a month.

And he's just been slamming down. So this is his car. It's in both of our names. Oh, okay. But I actually owe $10,750 on it. That amount is how much he's paid off. And then once it's paid off, he's going to transfer it into my name. What in the fucking death?

I mean, I didn't buy a brand new car. when I needed a new car, Caleb. I went and got a used car, and I got a good deal on it. Oh my gosh, you just wants high fives. I swear, this entire conversation, you literally just want high fives. Is it because you're a fan of the show?

I'm sorry, that's not how I'm going to treat, like, I'm never going to treat someone like that. I'm not going to treat you bad to treat you bad, but I'm also not just because you're like the show. Don't, don't come on here, Calebhammer.com, slash apply. If you're looking just for hugs and kisses from me, I'm sorry. No, thank you.

What? Have you listened to yourself this conversation? No, I'm I don't know what to say about that, sorry You don't have to answer. Do we have the value of this car? Vince not found. Well, the last time I looked on KB, it was 16,000.

What was the last time? Three months ago. Okay, equity position. Okay, what's the interest rate on this? I know you don't pay the interest difference, but... I think it was 10%. And he ended up being the signer on it because the...

You said you co-signed, I thought. Yeah, so he's the main person and I'm the co-signer. Okay. Because with my credit, it was going to be 18%. Now you want to sell this house to rapidly pay off your debt, but the thing is,

you're locked in at a 3.12% interest rate. That's incredible. I also... $65,939 balance with the minimum of the payment at 622, 57. Now, that minimum of payment is hard to stack in

with everything else you have, even though it's low for a house. So I do get, actually wanting to get that off your books, even though your friend pays for it, which helps. But what were you going to say? It's just a pain in my rear end. It is.

I'm tired of dealing with it. It's, I just had to spend another $6,000 last week in plumbing issues. Yes, that is, see, again. So I'm just over it. That is the home ownership thing. Even if I wasn't going to be making $50,000 off of it, then I would still want to get rid of it because it was my backup plan when I moved to Seattle. and I've been out on my own three years now successfully, well, semi-successfully.

And I just don't feel like I need it anymore and it's annoying. It's worth $11,22, by the way. Okay. The car. Little equity position, about $1,000. And that is KPP. I'm glad you found it. We found it.

Total debt balance of what? Of what, what even is this? I don't even know what this is. That's a Perkins loan. they're directly from the university instead of through the government and it was for a study abroad trip where'd you go

England great what a world of this difference yeah we were going to we were studying Anglo-Saxon literature so oh that really translates to the job market okay what is a minimum through payment on that one that one's in default

so none right now I didn't realize that it wasn't a part of the bundles of my other student loans. Okay. And by the time I did know about it. Private loan. Yeah, I didn't understand that it was a private loan. It won't get garnished unless you gave them your information. You could talk to Y ReFi.

They're one of our people. They help renegotiate your private loans once they've gone into default. So I'd check them out. I didn't realize it was private. I assume it's from an institution. I would look into it. Take a look. Yeah.

It's still. Okay. What do you owe in federal student loans? Without this $2,000, well, that's not our federal student loan. $56,000-ish-ish-5,000, $349.13. For what? What was your degree? Bachelor's in English literature.

Oh, good death. What are we doing? I mean, my company really appreciates that I have it because I write a lot of our HR-related marketing stuff and like- Employee-facing documents. Okay. $259. $0.28, minimum fee payment. Which hurts a lot.

And it just went in... Dude, it's probably half of what your standard 10-year payment would be, so enjoy it while you got it. It just went into effect in August. Nothing in that checking account. Savings $2.55. Okay, okay. Capital One,

auto pay debit, $2.30. And that's going in and getting some bullshit. Okay, what do you stop at the market and getting for $3.74 cents constantly? That's the cafeteria at my work. It's a monster zero. Oh, my lovely lady. Try this.

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Sampler pack. Yes. The free samples? Yeah. Which is for free. Type in code hammer. Here, take this one though. It is really good. No more vending machine monster.

Make it. I'm sure there's one that tastes like a monster. They have so many different flavors. 25 cents a serving instead of stopping in and getting in that bullshit. And also 10% off of that alone. Once you order the flavors you want, link in the description below, GamerSubs.G.

But yes, energy drinks at home. Make them work. Shakey, shaky, shaky. Yeah. It is very good. This is four. Really?

Yeah. Okay. Yeah, because, okay, monster, monster, Taco Bo, Taco Bo. Clarka. So can I explain that Taco Bell? So when I first started the health journey,

I was trying to do intermittent fasting, and I swam for an hour after work. So I didn't. So basically, by the time I got home with traffic, I was going to be outside of my intermittent window. And so I stopped and got power bowls at Taco Bell and naked nuggets from Chick-fil-A because they were the healthy as options I could. At the same time?

No, no. I can't speak for the Power Bowl at Taco Bell. I mean, wouldn't like Chipotle or something be better probably? Chipotle is more expensive. I don't know. Can Taco Bell really be healthy? I don't know. The Powerball?

I mean, it's rice and beans and vegetables. Okay, Karna, Monster Energy Drink, Dominoes. I know they don't got a Powerball Dominoes. Yeah, no, that was just a crave. That was a crave. Wow. Okay. Lasker in-air flight also sounds like a crave. That was the trip to Kansas City.

We got some bullshit. Electrify America. Amazon, Affirm, Affirm, Taco Bell, Taco Bell. Steam purchase, Amazon. Hold on. Laundry. Laundry's okay. I'm okay with that. Amazon Prime.

Netflix. Coca-Cola vitty machine. Charging, charging. Yeah, you got the EV. Yeah. You can't charge it home. I live in an apartment. They don't have charging?

No. Okay. Then I wouldn't have gotten an EV. Zellin out money. Gransboro Market. Taco Bell, Amazon. Yeah. Monster energy drink.

How much was that sell? How much was that sell? How much was that? Okay. That was BS. Shake check. They do not have a power bowl. Noddy squirrel, no power bowl.

No, but they have a no bun hamburger. That is the greasiest patty. Yeah. As a Shake Shaq fanatic. It was a team. lunch with the finance department. It is the greasiest patty. I will say, well, they also have a grilled chicken sandwich.

You're right, you're right. Yeah, I am. That would have been a better choice. Tap, like a bar, bun cake, don't have a powerful bowl there. Crunchy roll, energy drink, Taco Bell, Electrify America again. Okay, what's Electrify America?

Charging my car. Oh. Yeah. Affirm, affirm, affirm. Shabarina? Chaboo-pott. Typically, my boyfriend pays for it, but... Ooling shone.

Biny machine. The dessert. The laundry's okay. Bullshit. Energy drink. Department of Transportation. Chick-fil-A. Energy drink.

Energy drink. Parking. Bar, bar. Dairy queen. They don't got a comparable there either. Nicket Tenders. Okay. PlayStation Network.

Oh, good to go. go as a toll for the bridge to Seattle. Warner Media, so that's probably HBO, right? It was, yeah. Steam purchase, McDonald's. Wow, okay, that's an insane amount of bullshit spending in a chicken account.

And then in this one, that started $300 or, yeah, it started. I think that's rent. And a withdrawal was rejected because you didn't have enough money. Yeah, that was when the student loan took out the government. It was rejected twice.

Yeah, but you'll see that there was also a payment of three something. Retirement 5,900, okay. Dramatically behind for our age. Dramatic. Dude, I know. I am freaking out about it. Well, you should be. But I can't afford to put $23,000 in a year.

Well, no, because you spend $1,000 a month on bullshit. You're right. But even $1,000 would just be $12,000. So I'm like... $12,000 retirement? Oh, no. That would definitely suck. Well, no.

it wouldn't catch me up. Okay, it would be something, you fuck. My gosh, what is it wrong with you? Okay, minimum fee payments, not including the mortgage, and we're not including the mortgage in here anyway because your friend takes care of even though you do have expenses that pop up because you're an owner of an home, which, yeah, I would get out of it if I was used as well. $734.33.

Okay. Now, utilities, gas, electric, internet, all combined. How much? Yep. No gas. Electric and Internet is 160. Okay, very good. Phone bill.

$100. Okay. Gas, vroom, vroom, drive, drive. I spend $160 a month charging. Yeah, and then tolls, how much? I'm not doing tolls anymore. Good. I'm just driving.

Okay, necessary food, $300, meal prepping, meal prepping, meal prepping, TP fund, anything else you need? And it's $100. Medical healthcare. Co-pays, anything like that? FSA. Very good. Is there a gym?

No, because I wanted to give myself... What about the pool? How much for that? It's free. My cousin works for a hotel. Subscriptions? Let's do 40 bucks. Do you have any pets?

No subscriptions. Please. I already canceled them all. Okay, not in there, but okay. Pet insurance? No, he's too old. Okay. How much for pet food?

It's $16 every three months. What is it? $16 every month? What is the creature? He's a Pomeranian mix. He goes. go, he buys, he goes, I buy a eight-pound bag every three months. Anything else that needs to be in your budget that I have not taken an account?

My car insurance. Oh, yes, please. How much? 350. Okay. And I think that's it. You have, uh, $1,889 left over. And yeah, we're subsidizing you.

That's great. Okay. You get rid of the mortgage. Yeah, I mean, yeah, get rid of the, if you can prove. If you can prove that you can follow a budget for two months, I will allow you to take the money from selling a house and pay off all your debt. And then you start contributing, get a fully funded emergency fund,

and then start catch up on retirement because you got it. That's pretty much the answer to the question. Okay. That's pretty much it. I'll get you a course career certification if you ever want that, by the way, to include, like, let's get you an accounting one. Maybe you can get an accounting, make some more money. So I'll get you that for free.

We got some interesting things to talk about in the post shop, but I'm going to get the Hammer Financial score first. Okay, spending a budget. Spend? Zero out of ten debt, IRS, zero out of ten, emergency fund. Nothing, right? Nothing. Zero out of ten.

What was the retirement? 7,000? 8,000? Five. Six, yeah, it was six thousand. Dramatically behind. It's about a two out of ten. Real estate, that is okay.

Don't like that you don't live in it. It's okay. But it's an actually pretty okay house, great interest rate seven out of ten. I would have a primary residence first, but, oh, and it actually lined up almost exactly correct. So looks like it did work, you tip.

Two out of ten. Hammer Financial score. Get yours at Calebhammer.com. Now click that join button and join us for the post show. There's a lot of things to talk about. She owes, oh, the person that's rented her fucking house, she owes money to.

Okay, we'll talk about that at the post show. Click the joint button now, an extra 20 minutes of every single episode in the financial auto post show, including three premium shows posted every single day, Monday through Friday, join Hammer Elite. Now I will see you in the post show. You owe your tenant money.

What does that even mean? When she came to Seattle last, fall to see me. I told her that I would pay her expenses while she was here. You can't even afford to take care of yourself. I wanted her to see Seattle life. While the city of Seattle is

paying for flights. 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

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