$369,000 Of LGBTQIA+ Debt | Financial Audit

Summary

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Financial Audit Podcast – Episode Summary

Episode Title: $369,000 Of LGBTQIA+ Debt | Financial Audit

Host: Caleb Hammer
Guests: Shaggy (30), Bastian (29)
Location: Colorado Springs, Colorado
Date: January 21, 2026

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Overview

This episode dives into the complex—and at times chaotic—financial life of Shaggy and Bastian, a gay couple with over a decade together and nearly $370,000 in cumulative debt. Caleb Hammer explores issues of income tracking, communication breakdowns, impulse spending, and long-term compatibility as the pair detail their living situation, income, and the choices that led to their current financial predicament.

Both guests are candid about relationship dynamics that impact their money habits, including self-admitted avoidance, bickering, and a mismatch in financial seriousness. Hammer’s signature humorous yet blunt interviewing style guides the conversation as he breaks down their debts, income, and major financial decisions. The result is equal parts financial autopsy, relationship counseling, and comic relief.

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Key Discussion Points & Insights

1. Relationship Dynamics and Communication

• Shaggy and Bastian have been together for over 11 years ([15:00]), meeting through friends in high school.
• Major communication barriers exist: Shaggy is evasive about his precise income and treats finances as a “day-by-day” affair ([07:47], [14:40]), while Bastian has repeatedly tried—and failed—to get a clear answer from him.
• Pattern of avoidance: Both admit to postponing discussions about debt and budgets, often only addressing these issues during emergencies ([21:15], [21:32], [23:41]).
  • “I was afraid of approaching the hole that I was digging myself into.” – Bastian ([21:15])
• Disagreements often escalate, with Bastian admitting he tends to become more confrontational, leading Shaggy to “shut down” ([30:43]-[31:03]).
  • “I tend to be a little bit more overbearing in my arguments because I do get a lot louder when we argue together.” – Bastian ([29:15])

2. Financial Overview

• Combined annual net income estimated around $120,000 ([48:06]), with Bastian earning as a lead auditor for a gas station company and Shaggy making variable but substantial income cleaning homes.
• Inconsistent and vague income reporting from Shaggy; estimates range from $40k to $100k per year, but he admits not tracking exact numbers ([07:06], [14:12]).
• Major debt total outside of mortgage: About $130,000 ([102:36]); all-in debt with mortgage surpasses $360,000.
• Minimum debt payments per month (non-mortgage): $3,715 ([97:51])
• Household spending exceeds income: Recent months saw $3,000 more going out than coming in ([10:40]), attributed to a mix of impulse purchases and lack of budget adherence.

3. Debt Profile & Notable Financial Decisions

• Timeshare (Grand Vacations) trap:
  • $14,841 remaining, 15.9% interest, $268/month, plus HOA fees ([36:00]).
  • Both admit they were coerced at a Denver Pride event and now regret it but struggle to extricate themselves ([36:00]-[37:49]).
  • “It’s so stupid, I hate it so much now.” – Shaggy ([37:22])
• Multiple high-interest credit cards and loans:
  • Stacking balances with interest rates between 15% and 23% ([54:49], [62:07], [79:14]).
  • Deferred interest balances and promotional periods about to expire, risking balloon payments ([48:46]).
  • Several failed attempts at debt consolidation; debts inevitably return ([74:52]).
  • “Consolidations haven’t worked because our balances are right back up. If you guys do not change behavior... you’ll end up in the same exact spot.” – Caleb Hammer ([74:21])
• Car loans and purchases:
  • Multiple vehicles including a (paid-off) Porsche and new Hyundai Sonata with a minimum payment of $814/month. The Sonata is underwater—worth less than the loan ([86:17]).
  • “You are dramatically underwater for a minimum payment that is absolutely insanity.” – Caleb ([86:24])
• Solar panels: $24,841 balance at 6% ([81:54]-[82:21])
• Other spending patterns:
  • Bastian frequently purchases hobby items (gaming consoles, collectibles, computers, energy drinks, and vapes) as “coping” ([26:58], [91:30]).
  • Shaggy previously accumulated $11k in credit card debt, now in a payment program ([65:00]).

4. Budgeting Challenges & Attitudes

• Repeated failed attempts at budgeting:
  • Budgets are only attempted during crises, never stuck to ([23:44]).
  • Budget talks frequently lead to unresolved conflicts, with someone “walking away as the loser” ([29:08]).
• Defeatist and nihilistic attitude towards debt from Shaggy:
  • “Spend money now, call it good, and if you can pay it back, cool. If not, whatever. It’s just money.” ([57:37])
  • “We live, we die. Incur it. Die when you’re ready. Call it good.” – Shaggy ([57:37])
• Bastian is more anxious about debt but often gives up on trying to “fix” Shaggy’s attitude, creating codependent dynamic ([58:06], [58:43]).
  • “You accept it?” – Caleb
    “I’ve become indifferent towards it because there’s not been much of a point in arguing it.” – Bastian ([58:07])

5. Retirement and Savings

• Bastian: $9,000 in brokerage, $2,640 in Roth IRA ([91:49]).
• Shaggy: $3,000 in 401(k) ([92:06]).
• Both are behind for their age, given their income and debt ([91:54]).

6. Host Commentary and Relationship Red Flags

• Questioning relationship viability given financial incompatibility:
  • “You can love someone, but even that person you love might be completely, endlessly tearing you down. And it might not be best for you to be with him.” – Caleb ([41:38])
  • “You’re going to be dragged to the depths of poverty because of this beast.” – Caleb ([41:12])
• Caleb suggests that unless behavior changes—either new jobs, bankruptcy, or separation may be necessary ([103:08]-[103:44]).
• Caleb’s score: Minimum payments plus expenses mean they need $7,721/month to survive ([102:02]).

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Notable Quotes & Memorable Moments

• On Financial Evasion
  “I don’t really know the answer as well. I just do it per day.” – Shaggy ([07:43])

• On Budgeting Attempts
  “We’ve done multiple budgets… we’ve definitely tried to do budgets a couple few different times. We’ve never really stuck to it.” – Bastian and Shaggy ([21:46]-[21:49])

• On Timeshare Regret
  “It’s so stupid. I hate it so much now. Like, it’s cool to get to go on these lavish vacations for cheaper—go on lavish vacations for cheaper using travel advisors… You’re paying this forever.” – Caleb and Shaggy ([37:22]-[37:39])

• On Realization of Dysfunction
  “Why did you lock down with this one? Such a curious creature.” – Caleb ([39:00])

• On Relationship Power Dynamics
  “He’s required you to ask him for how much he makes for him to communicate that in any way whatsoever…” – Caleb ([15:59])
  “I tend to be a little bit more overbearing in my arguments… I get a lot louder.” – Bastian ([29:15])

• On Attitude Toward Debt
  “Spend money now, call it good, and if you could pay it back, cool. If not, it’s just money. We live, we die.” – Shaggy ([57:37])

• On Guilt and Change
  “Does that not embarrass you…? It should.” – Caleb ([97:24])
  “That was definitely a big part of, like, what was holding me back from coming was just because ultimately I am really embarrassed about where I’ve gotten myself.” – Bastian ([97:38])

• On Financial Outcomes
  “Minimum payments outside of the mortgage is $3,715.98. Mortgage is $1,623.43. All utilities combined… [are close to] $2,000.” ([97:51], [98:20])

• Summary of Advice
  “You need to do it today. And if you don’t, I hope he leaves you for the sake of him. Because he deserves to live a good life. So do you. But you don’t get to hold him back. It’s not fair.” – Caleb ([59:47])

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Timestamps for Key Segments

• Meet the Couple, Relationship Background – [01:31]-[03:57]
• Income Discussion & Communication Issues – [04:41]-[14:12]
• Reflections on Budget Failures & Relationship Dynamics – [21:15]-[32:46]
• Debt Inventory (Timeshare, Credit Cards, Loans) – [34:19]-[83:41]
• Vehicle & Solar Panel Loans – [81:07]-[83:41]
• Household Budget Calculation – [97:51]-[102:02]
• Long-Term Outlook & Recommendations – [103:08]-[104:12]

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Tone & Highlights

The episode is fast-paced, profane, and irreverent, in signature Caleb Hammer fashion. Much of the humor comes from the couple’s candid, occasionally bickering dynamic, as well as Caleb’s unfiltered observations about gay culture, debt, and financial self-sabotage. While lighthearted, the core message is serious: without behavioral change, the couple’s finances—and possibly their relationship—are at risk.

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For listeners interested in relationship finances, debt traps (like timeshares), communication breakdowns, and hard-hitting financial advice delivered with comic flair, this episode is a must-listen.

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Transcript

[Caleb Hammer]

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[Shaggy]

Spend money now, call it good and if you could pay to that, cool. If not, it's just money.

[Caleb Hammer]

That's his response? Pretty much. See what I'm saying?

[Shaggy]

You. It's going to. He's going to get so pissy at me all the time.

[Caleb Hammer]

He's trying to get his together.

[Shaggy]

Yeah, and he's getting his together.

[Caleb Hammer]

Yeah, but you are holding him back. Shut the.

[Shaggy]

No, please.

[Caleb Hammer]

He's destroying your entire life. You're going to be dragged to the depths of poverty because of this.

[Hammer Elite Announcer]

You came for the finances. What if you could have more? Join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. See description for more details.

[Shaggy]

Hi, my name is Shaggy. I'm 30 years old.

[Bastian]

My name is Bastian. I'm 29 years old. We live in Colorado Springs, Colorado.

[Shaggy]

And this is Financial Audit.

[Caleb Hammer]

The gays. We love the gays. Welcome the gays.

[Shaggy]

Thank you.

[Caleb Hammer]

I'm excited to have you. This has been a little infinity stone. We've wanted to collect for a while because we, the lesbians, love financial audit. And we love the lesbians. Finally, the gays have come on.

[Bastian]

Yes.

[Caleb Hammer]

Where have the gays been? I don't know what's taking so long. You look like the guy wheelchair from Glee, by the way.

[Bastian]

Do I?

[Caleb Hammer]

He looks like the gay guy in the wheelchair in the gay Glee show. So I kind of thought that was you for a while.

[Shaggy]

I love Glee so good.

[Caleb Hammer]

Yes, you're a gay. That makes sense. Let's play a game here. I instinctively this is a finance show. Wanted to think top, bottom. However, then you come in with all this fem stuff and. And oh, shit. That's that's like a pop hood. It's a pop hood.

[Shaggy]

Yeah.

[Caleb Hammer]

Oh, pop. It's not furry.

[Shaggy]

It's a pubhood.

[Caleb Hammer]

So if he's pop, I'm thinking he's bottom. Your top. Or we're just verse kings and we touch butts.

[Bastian]

Depends on the day.

[Caleb Hammer]

And this is a financial reminder.

[Shaggy]

Yeah.

[Caleb Hammer]

Did I guess right?

[Shaggy]

No, you're wrong.

[Caleb Hammer]

No, I gave pretty much every option.

[Bastian]

I mean he gave all the options. So there's wrong.

[Shaggy]

I mean he's a top.

[Caleb Hammer]

The bottom called it second attempt. Second attempt.

[Bastian]

Yeah.

[Shaggy]

Yay.

[Caleb Hammer]

We love the gays. And the gays got money too. Now honestly, my hypothesis for why the gays haven't come on the show very much is because usually lesbians disaster. They have horrible finances, they move in immediately and they everything up the gays. Statistically, gay male couples usually do really well. You think? The past Secretary of Transportation, Pete Buddha judge. He has a black child. That's exciting. And you know, he's doing pretty well.

[Shaggy]

We're bad about our finances. I. I think you're wrong about that.

[Caleb Hammer]

Gay men don't be called out normally. But you guys are going to be on the show.

[Shaggy]

Lavish vacations if he ever wanted, you know, want to really take care.

[Caleb Hammer]

Well. And the pup cups, I'm sure. Yeah, pup cups. But I'm just on average.

[Bastian]

Yeah.

[Caleb Hammer]

The gay male couples tend to do pretty well. Have you guys. Do you guys have a black child yet?

[Bastian]

No. No children here.

[Shaggy]

No. I don't want to have any gremlins. I'm good.

[Caleb Hammer]

We don't call them that. But it's a little racist.

[Shaggy]

No, they're a little gremlin.

[Caleb Hammer]

You're excused to be homophobic, I believe. But on the racist level, I. I.

[Bastian]

Think he just means all children. Not, not, not specific.

[Shaggy]

There's some good.

[Caleb Hammer]

Specifically what?

[Bastian]

Nothing specific. No, no specific race is being called gremlins. It's. It's just gremlins. As far as all children.

[Caleb Hammer]

You got the fem accent. Even for a top. I love this. This is just so exciting. This is just so exciting. Shaggy. You're the one in front of me. I guess. Okay. So you picked Shaggy, didn't you? As your fake name?

[Shaggy]

Yeah.

[Caleb Hammer]

Yeah.

[Shaggy]

Cuz you're the little people told. Told me I look like Shaggy from Scooby Doo.

[Caleb Hammer]

I hope that doesn't mean he has a Shaggy asshole for your sake. But do you do for a living, Shaggy?

[Shaggy]

I clean homes and businesses.

[Caleb Hammer]

You don't know what you got yourself into, do you? I've seen on Your face right now.

[Bastian]

I definitely know what I got myself into.

[Caleb Hammer]

It's just I see the shock on his face that I am relentless so far.

[Bastian]

Oh no.

[Caleb Hammer]

Too much?

[Bastian]

Oh God. Absolutely not.

[Caleb Hammer]

Oh good, good, good. He just looks like that all the time. Okay. What do you do for a living?

[Shaggy]

I clean homes and offices.

[Caleb Hammer]

Do you dress up as a sexy maid as you?

[Shaggy]

I want to, but. No.

[Caleb Hammer]

No one else wants you to is the thing. No, but you seem like someone that would.

[Shaggy]

I would definitely do it if it's for proper. No, I think I should. I can make probably more money.

[Caleb Hammer]

That is non consensual. What do you make? What do you make? Cleaning houses. So you look like the dirty one. You look like the clean one.

[Shaggy]

Yeah, you are the more dirty. When I did like TLA for Walmart I would come home. So TLA Tire Lube Express for Walmart is where I used to work. So now my job is just chill, simple, easy. I love it.

[Caleb Hammer]

Good. You're. Well, you're cleaning.

[Shaggy]

Yeah.

[Caleb Hammer]

Are you on a schedule? Are you getting random bookings?

[Shaggy]

I have for the last like five years I've been doing this. I have had very set. Yeah, well 30.

[Caleb Hammer]

So 10. So we're talking about Walmart from 10 years ago? I guess I don't really care about.

[Shaggy]

That because I was doing both at the same time. So I was doing Walmart and then I would slowly eased into more cleaning. And you quit Walmart? No, I technically got fired slash quit. So I.

[Caleb Hammer]

Wait, no, that literally makes no sense. Those are very conflicting. Or was it a quiet quit situation when you did enough to be fired but you're trying to be quit?

[Shaggy]

So at a certain point I got to a point to where I had a lot of clients and it was hard to keep up with doing morning work and then doing clients at the same time. And I kind of realized that I just make more money. I make more money cleaning with clients and I work half the time. So like I could work four hours and make like 150 bucks or I could work eight to 10 hours, 12 hours. I will do move out cleanings too. And I can make anywhere from 350 to 1500 dollars for that. But that's a lot of work and it's a lot on my body. But I enjoy doing it even though it's a lot of work.

[Caleb Hammer]

Okay, well what do you make then? Because that's the important part here.

[Shaggy]

So I can make anywhere from like 40,000 to 100,000.

[Caleb Hammer]

Okay, yeah, but what do you make?

[Shaggy]

Dude, I like roughly 56,000.

[Bastian]

What do you make per month is.

[Caleb Hammer]

What he's trying to get per month. Well, either way. But I just don't even fully believe easy number.

[Shaggy]

It's varies 4, 4 to 8 4.

[Bastian]

If I've been trying to get the same answer out of him for I don't really.

[Caleb Hammer]

Because he's been trying to get an answer out of you. Why are you not giving him an answer?

[Bastian]

Because he can't. He is.

[Shaggy]

I don't really know the answer as well. I just do it per day.

[Caleb Hammer]

But if he wants to know the answer, why aren't you going in and trying to find the answer then? Okay, so how long have you been trying to get the answer?

[Bastian]

It's probably. I mean since he started the whole working for himself and doing the house cleaning. I've been trying to get an answer.

[Caleb Hammer]

On how much is how long.

[Bastian]

He's been doing this for about two years now full time.

[Caleb Hammer]

Two years he's been trying to get how much money you bring into the house and you're doing nothing. Why aren't you trying to communicate? Are you trying to communicate?

[Shaggy]

I communicate well enough. The most I could do is. I disagree with that.

[Bastian]

I mean I've gotten answers between $1000 a week up to 1600 dol dollars a week and that's before he takes anything out for taxes. So when I did my somewhat budgeting that I was trying to do, it was I was basing it off of sixteen hundred dollars a week coming in off of from him.

[Shaggy]

And that's on like a high number. The low number I've seen the worst it be like 6 to 800 for the lowest and that's if clients will call off or I just have multiple.

[Caleb Hammer]

Things I put down for his monthly income. Do you, do you guys have a combined household?

[Bastian]

We have a joint account but not complet.

[Caleb Hammer]

Does the pay go into the joint or does he have to put it in?

[Shaggy]

Whatever we have for bills goes in for bills and we just call again like that. And then after that we just spend our money how we feel.

[Caleb Hammer]

So what goes into bills then? What goes into the bills account from.

[Shaggy]

You for me now because I'm paying all the bills.

[Caleb Hammer]

Why? Why, why is he paying all the bills?

[Bastian]

We sat down a month or two two ago and I because I took a look at the amount of debt that I was accumul had accumulated and I said hey, I need you to please try to pay as much of the bills as you can during the month so that I can put all of my extra Funds towards paying down these debts, because that's the only way I'm really going to be able to get out of them is if I just focus as much income towards those debts going down as I can.

[Caleb Hammer]

Okay, well. Okay, yeah. I mean, that sounds like you. Sounds reasonable. So what the is going on? So what the is going on?

[Shaggy]

So I spent a lot of money two years ago and a year ago finally getting out of that, and now.

[Caleb Hammer]

Getting out of that. Okay, how much did you spend last month?

[Shaggy]

Last month? I don't really keep.

[Caleb Hammer]

If we're finally getting out of that, I want proof that we're finally getting out of that. What was spent. What was the outflow? What was the inflow? What was the outflow?

[Shaggy]

Total of accounts, roughly 4,000.

[Bastian]

Like 11,000. Okay.

[Caleb Hammer]

It was 13. 440. 13, 440. 13, 440. So you've been getting like. I'm, I'm, I'm happy. You, you sound like you're setting up like a reasonable talk. Great.

[Shaggy]

Yeah. Okay.

[Caleb Hammer]

But that's not reasonable.

[Shaggy]

We know it's a lot of money, but I mean, we're still managing with.

[Caleb Hammer]

This, so how's that possible? Income was 10. So you spent two more than you brought in, three more than you brought in.

[Shaggy]

It's fine, whatever.

[Caleb Hammer]

No, okay, well, okay with that. Then you're just going to get dragged down. What the. Well, is that his immediate deflection just bullshit. I mean, if that's how every conversation goes, the moment he's like, you know, I'm actually starting to dig out of what I put myself into two years ago. Gets confronted, confronted with the reality that maybe not. And he's like, oh, it doesn't actually matter.

[Bastian]

It's. That's kind of where he's at with most of the debt. And that type of situation is why, why, why worry about it? We're gonna be dead one day, so why don't we just.

[Caleb Hammer]

You will be dead one day.

[Bastian]

And what about.

[Caleb Hammer]

Prepare for the statistical likelihood that you will be in your mid-60s, 70s, 80s, potentially together.

[Shaggy]

I don't. I mean, I love it if we're together, but I don't foresee myself living past a certain point.

[Caleb Hammer]

You watch Kill Tony. You don't know Kill Tony?

[Bastian]

I've seen of Kill Tony. Yes.

[Caleb Hammer]

Are you.

[Shaggy]

I am special in a way, yes.

[Caleb Hammer]

Are you stupid or something? You remind me of his golden ticket winner, Martin Phillips.

[Bastian]

Okay.

[Caleb Hammer]

It was kind of always like.

[Shaggy]

He.

[Caleb Hammer]

Talks like this and he's. But he looks like that.

[Shaggy]

Thanks.

[Caleb Hammer]

You look like the Gay beard, at.

[Shaggy]

Least I'm really happy.

[Caleb Hammer]

I don't care about my dad.

[Shaggy]

I don't.

[Caleb Hammer]

That's how he sounds. But you just do the movements without the voicing.

[Shaggy]

No, I, he's not. I care about my dad a little bit.

[Bastian]

Yeah. He definitely has the intelligence behind him. But he is definitely special.

[Shaggy]

Yeah, I'm special.

[Caleb Hammer]

But we say special though. Special covers why, like he is not diagnosed.

[Shaggy]

I never diagnosed myself. I've been kind of curious.

[Caleb Hammer]

You've never diagnosed yourself. Well, that's good.

[Shaggy]

I just kind of live on a day.

[Caleb Hammer]

Supposed to diagnose himself.

[Bastian]

I would hope not.

[Caleb Hammer]

What are you living with? You're just talking, you're rambling. You're tism to the max, I would say. Right? Max. Tism.

[Bastian]

I would not disagree with that.

[Caleb Hammer]

Typically, make sure you wear a condom. You don't want to get it.

[Bastian]

I, I, I don't think that's contagious.

[Shaggy]

But I like it raw, though.

[Caleb Hammer]

Surprised. Okay, well, listen, we're not getting individuals here. We'll make jokes, but we're not getting individuals. Yeah, okay. No, no, it's fine. We love the gays. We love the gays. That's, that's okay. So how can you manage this? How can you deal with this if his immediately for everything? One, me, he's not willing to work with you to figure out what he actually brings in financially. And two, whenever there's a financial conversation, he's like, oh, what does it matter?

[Bastian]

It's definitely been a struggle. I mean, I've been doing my best to take care of my things and then kind of giving him the trust to take care of his things so.

[Caleb Hammer]

Long as he can. How is that trust not completely broken and fried and destroyed, but I still.

[Shaggy]

Communicate enough to where he knows what I make in a day and what I can put into the bank.

[Caleb Hammer]

Okay, if he know. If you know what he's making a day. Can you not just do the math?

[Bastian]

Then that's.

[Caleb Hammer]

Your eyebrows are triangles. I've never witnessed this before. They are triangles. You have triangles on your forehead. This is interesting. I got a collar here and triangles here. I am just. I meet such interesting, interesting creatures.

[Shaggy]

Good.

[Caleb Hammer]

And I'm thrilled.

[Shaggy]

I'm happy to entertain you.

[Caleb Hammer]

Trust me. I don't look great right now either. I had an accidental.

[Shaggy]

No, you look accidental baby face today.

[Caleb Hammer]

Accidental baby face. So, okay, you should know how much he makes.

[Bastian]

He's not. That would not be accurate. He does not tell me what he makes daily.

[Shaggy]

Yeah, so he's lying.

[Caleb Hammer]

So what the. Is Happening. Where is the disconnect here?

[Bastian]

I. I will see what goes into his bank, like into the joint account, but that's about it as far as, like, seeing what's based.

[Caleb Hammer]

But that's different than him knowing how much you make when you come back from work for a day.

[Shaggy]

Yeah, well, I. I do my best. I put money in the couch.

[Caleb Hammer]

Do you tell him or do you not?

[Shaggy]

I tell him to a point. If he asked about it, I'll be on it. What?

[Caleb Hammer]

He's required to ask you 365 days a year for you to be an adult and a caring partner. Are you guys married?

[Shaggy]

No. No.

[Caleb Hammer]

Are we trying to get married?

[Shaggy]

He wants.

[Caleb Hammer]

How long have you guys been together?

[Bastian]

We've been together for 12 years.

[Caleb Hammer]

Two different numbers.

[Bastian]

It would have been.

[Shaggy]

You told me 12.

[Bastian]

It would have been. It would have been 11 in October.

[Shaggy]

Okay, close.

[Caleb Hammer]

Tinder Grinder. Not really in person.

[Shaggy]

Yeah. High school.

[Bastian]

High school.

[Shaggy]

Our friends.

[Caleb Hammer]

High school sweetheart. Connected under Stalin in the men's room.

[Shaggy]

No.

[Caleb Hammer]

Perhaps.

[Bastian]

Nope, nope, nope. They didn't go to the same high school.

[Shaggy]

No. Yeah, we went to different high school, so. My best friend was dating.

[Caleb Hammer]

I don't care. So this makes me very confused. Your whole dynamic in terms of how the finances are confused. Everything he says makes himself look okay. For a second. You're like, that's not even close to what happened. And he's like, well. But I do, to a certain extent, it. Do you not feel in some kind of way that Mr. Shaggy here is honestly just a straight up bad partner in this regard? This regard. I'm saying this, just this, not entirely.

[Bastian]

I mean, how can you say that?

[Shaggy]

He.

[Caleb Hammer]

He is requiring you to ask him for how much he makes for him to communicate that in any way whatsoever. And he will not, no matter how many times you have asked.

[Shaggy]

No, I have. I give a rough estimate. I'm just.

[Caleb Hammer]

And then he doesn't get a rough estimate, though you probably don't even know because you don't track your own. How can you give a rough estimate? It's real rough.

[Shaggy]

The most rough is rough. I mean, just. I just see what going on. What did he just do? Rough.

[Caleb Hammer]

Oh, fuck's sake. I will burn that. You're into the pup play.

[Bastian]

He's into the pup.

[Shaggy]

I'm into the pup play. But I don't like.

[Caleb Hammer]

Not like in the world of beastiality.

[Shaggy]

No, not really. It's more. Man says, it could be yourself.

[Bastian]

Well, I mean, is he wrong?

[Caleb Hammer]

Dogs and being yourself and animals.

[Shaggy]

A lot of people like to get into the whole role of being a pup and being on the floor, rolling around, chasing a ball. I could really care less about that. I just enjoy being myself. Myself in my mask.

[Bastian]

So for him, it typically does not extend into the.

[Shaggy]

Gone to, like, bars, to where there's a pop mosh. And he made me crawl on the floor and do that kind of stuff. It just makes me really nervous. And it's still just. It's an. It's an enjoyable experience, but it's not for me on that part.

[Caleb Hammer]

Okay, so how is he not a bad partner financially, if all of what I just said is true?

[Bastian]

No, I mean, I can definitely see where you're coming from with that. I mean, but he's mostly been trying to keep up with what I ask. I mean, so long as he's been.

[Caleb Hammer]

But he requires you to ask daily or else he won't.

[Bastian]

Correct.

[Caleb Hammer]

Why? Where's your brain? Are you not able to manage anything in a responsible adult fashion?

[Shaggy]

Yeah, I mean, I met. I just manage on a day to day basis.

[Caleb Hammer]

Barely. You're not managing on that day to day basis. No, because managing would be responsible and respecting what he's requesting. Unless you disagree with what he's requesting. Do you?

[Shaggy]

No.

[Caleb Hammer]

Won't you put in any kind of effort on a day to day basis? Because if you're managing on a day to day basis, that part would be included on it. Oh, Shaggy doesn't want you guys to get married.

[Shaggy]

No, I don't. I don't like a little piece of paper that kind of just screws you over at the very end of it.

[Caleb Hammer]

What's the screw over at the end? Because it actually benefits you, especially tax benefits. And it benefits you upon death for protecting your partner. Many times.

[Shaggy]

I mean, sure.

[Caleb Hammer]

Like, and under legal things, if someone was sued, you're not required to testify. There's benefits that come with the marriage.

[Shaggy]

Okay, then we've definitely been over this.

[Caleb Hammer]

And.

[Bastian]

And you argue about it every time.

[Shaggy]

Yeah.

[Bastian]

You don't think it's a necessary thing.

[Shaggy]

Screw you over when you get divorced.

[Caleb Hammer]

Okay. Do a prenup, I guess.

[Bastian]

Yeah, that would be it. Do a prenup. And I mean, you talk about these things like it'd be cost a bunch of money. Because divorce ultimately doesn't cost a lot of money if you have agreeable divorce. Because, yes, you have to get a lawyer and all that kinds of stuff when you, you know, are being bad. But that's in the event of the.

[Caleb Hammer]

Lowest divorce rate in the country.

[Bastian]

Yeah, like, you think that we're going to have a divorce and that's why you don't want to get married.

[Caleb Hammer]

If you don't figure out this finances, probably that's one of the leading causes of divorce in this country. I don't know for men specifically, but finances, huh.

[Shaggy]

A lot of people up on finances, but it's just how you kind of live and learn.

[Caleb Hammer]

You did, you do you are business.

[Shaggy]

You saving right now I can't see he was saving.

[Caleb Hammer]

Look, dude, you literally 3,000 more went out of the household than came in saving. That's not even a part of the conversation.

[Bastian]

It would be both of us.

[Caleb Hammer]

Yeah, I mean, well, he says it's on you.

[Shaggy]

I don't. I don't have any cards or anything, so I can't put more out than I make or.

[Caleb Hammer]

Well, why do you think it's him? Why are you saying that? What are you thinking he's doing?

[Shaggy]

He's just spending his money what he wants to spend his money on.

[Caleb Hammer]

Which true bastion are we just blowing money everywhere?

[Bastian]

Is that depression?

[Shaggy]

Depression, spending.

[Caleb Hammer]

Let him talk. He.

[Bastian]

He's not good at that. He likes to talk over me as.

[Caleb Hammer]

Much as he just doesn't shut the up. You need to wear like a gag muzzle along with all that.

[Bastian]

But yeah, no, I've definitely spent my money on things that I wanted and then I mean it. There's definitely been less of that.

[Caleb Hammer]

It's the ongoing more that's an issue. More than just a one time thing. Cuz again, $3,000 outflow. More than inflow. What the. And you guys can't tell me where that possibly went, can you?

[Shaggy]

I can't tell you where I went. No.

[Caleb Hammer]

Why?

[Shaggy]

Why? Because we don't communicate enough properly to.

[Caleb Hammer]

You just said you did.

[Shaggy]

You literally said you communicated about my money like.

[Caleb Hammer]

Okay, so why is your money not being communicated to him? 12.

[Shaggy]

I know. How much?

[Caleb Hammer]

10 to 12 years under stall or not. Why are we not communicating our finances as a household this far in. Because you guys are practically like common law marriage.

[Shaggy]

We are common law married.

[Caleb Hammer]

So there you go. Why aren't we in any way whatsoever communicating back and forth? Because you're not. Either you're pissed that he doesn't, but you don't. To him.

[Shaggy]

It's not that much of a worry until it gets to that point of.

[Caleb Hammer]

It is that point.

[Shaggy]

Yeah, now guy. Yeah, now let's do that.

[Caleb Hammer]

Yeah. No, that's why I'm saying why have we not communicated then to you? To you. We already know you, but you to him.

[Bastian]

I, I Was afraid of approaching what I were the hole that I was digging myself into.

[Caleb Hammer]

And what?

[Bastian]

Why?

[Caleb Hammer]

What do you mean?

[Bastian]

I was.

[Caleb Hammer]

No, no to him. His knowledge. You approach this hole on a daily basis. You can approach that one as well. So why can't you communicate this?

[Bastian]

I just didn't want to really admit the. The hole I dug myself.

[Caleb Hammer]

What would happen if he did? What would he do?

[Shaggy]

I would have helped him out and we would have figured our shit out. Probably plan a little budget and not stick to it.

[Caleb Hammer]

You think that's what would have happened?

[Bastian]

We've done multiple budgets. I mean, we've definitely tried to do budgets a couple few different times.

[Shaggy]

We've never really stuck to it.

[Caleb Hammer]

Okay, then why would you say that's the SOL to happen then if you guys never stick to a budget?

[Shaggy]

Because we might take it seriously.

[Caleb Hammer]

What would change?

[Bastian]

Being not having to that point of taking it seriously.

[Shaggy]

Yeah, not not having any. Like, if you wanted depression spend, then we just.

[Caleb Hammer]

Depression. Everyone gets sad here.

[Shaggy]

Working too much.

[Caleb Hammer]

Everyone cope spends. You need coping mechanisms. If you actually have a clinically diagnosed issue, that's something you have to work on with a therapist.

[Shaggy]

But screw therapy.

[Caleb Hammer]

No, you need it more than most. Look at you. You can't stop talking. You can't stop moving. Your full Martin Phillips are not just good.

[Shaggy]

Twitch, twitch.

[Caleb Hammer]

That's. That's what I'm saying, big guy. Okay, so how does the communication work around when we have attempted these budgets? What does that look like?

[Bastian]

We've kind of brought together the bills and the debts that we currently have. And then I'll take the income that I have and whatever I can get out of him for the month, which.

[Caleb Hammer]

Is just whatever you can get out of him. So that's not even like, how can. We can't build off of that. That is already a foundation. That's just like breaking. It's broken for you, put together for me.

[Shaggy]

It's like when we would do that budget, we would just go through my bank and go see how much money I put in for the month. And then that's kind of how we did it. And it's been working kind of.

[Bastian]

I mean, the bills have been getting paid.

[Shaggy]

That's the most important.

[Caleb Hammer]

Usually when people say that there are late fees, but we'll see.

[Bastian]

Oh, there's definitely going to be late fees. They're not being paid on time, but they were being paid me off.

[Caleb Hammer]

How do we communicate when we sit down and talk about this? Run me through it. How do these conversations normally go?

[Shaggy]

Let's See.

[Bastian]

We kind of. I mean we sit down and we go through the bank statements. We go try to consolidate.

[Caleb Hammer]

Give me the conversation. What happens? How does this actually look? Because it has not worked before.

[Shaggy]

Well, it's usually of a. Hey, I'm broke as shit.

[Caleb Hammer]

Who says money. Who says this?

[Shaggy]

I tend to be really broke at the end.

[Caleb Hammer]

And I would see both are. But okay, you walk up and you say, I'm broke as shit.

[Shaggy]

Yeah, basically.

[Caleb Hammer]

Like, what are you. What's your response?

[Bastian]

Well, that's usually when we go into the. Like, what money do we need in which places for what things?

[Caleb Hammer]

Huh. And do we agree on all these items?

[Shaggy]

Typically, yeah.

[Bastian]

Typically, yes.

[Shaggy]

Yeah.

[Caleb Hammer]

Okay, there.

[Shaggy]

We do disagree on some stuff.

[Caleb Hammer]

What do we disagree on?

[Shaggy]

That you bought recently. I don't know.

[Bastian]

What?

[Shaggy]

Stupid ass PS5 Pro. You have your Kaiver briefcase and he's a gamer spends too much money on.

[Caleb Hammer]

Agreed. Probably. Okay. Yu Gi.

[Shaggy]

Oh, collection Pokemon. Holy.

[Caleb Hammer]

Stick to one, dude.

[Shaggy]

No, he has too much and it's fine. It's cool, you know, whatever you got your fancy ass cool bougie shit that you may or may not use every once in a while. Even though some of the stuff you've used or stopped using.

[Caleb Hammer]

Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 889-733-978 that is 889-733-978. Break free from the high interest trap and get your finances under control once and for all. Starbucks is bull and a waste of money and you Already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy Dr. Drink is gamer.

[Shaggy]

Literally. The cherry flavor is insane.

[Caleb Hammer]

Listen, you can also get free samples to see if you like it or 10% off your order at GamersUps GG or click that link in the description below. Type in code. Caleb.

[Bastian]

Yeah, I mean, we have the things and I have the things because of my hobby hopping and because of the like. I very much fell into, like, cope. Spending on nostalgia was what I was doing.

[Caleb Hammer]

Yeah, and I'm a hobby hopper too. I get excited about things quick. You just have to.

[Shaggy]

When I'm talking, finally finish.

[Caleb Hammer]

What are we doing? Do you just not hear people?

[Bastian]

He likes to hear himself talk.

[Shaggy]

Yeah, I like to hear myself talk.

[Caleb Hammer]

And I'm the intern.

[Shaggy]

One ear out the other.

[Caleb Hammer]

I'm the interrupter. Hear how I just said that? I interrupted you. That's what I'm allowed to do. So. Okay, I lost my train of thought. Listen, I'm a hobby hopper. I get it. But if you're able to acknowledge it, of which you just did, you need to stop yourself in the moment and tell yourself and challenge those thoughts.

[Bastian]

Yes, and it's.

[Caleb Hammer]

Well, he disagrees with this. He says when you guys have these talks, you're going and blowing on PS5. Yu Gi. Oh. I mean, that Pokemon.

[Bastian]

That was him getting into the moment. I mean, we're not having those types of talks in the moment. When we're having talks about the finances usually, shouldn't we.

[Caleb Hammer]

Because that's if that's where a lot of the money goes. If there's anything extra laying over, we need to decide where that money is going. But if it's all going to PS5. Yu Gi. Oh, bullshit, bullshit, bullshit. There is no money to go anywhere.

[Shaggy]

But like, I'm not good about it. But he's good about. He's got his stocks and savings and 401k that he's built up. I haven't done shit like, I pulled all that could be good.

[Caleb Hammer]

You could be good in some and bad and everything, but make the overall situation still bad. That doesn't matter. I mean, like, I'll compliment that when we get to it. I don't know what it is. We'll see. But this is a lot of Paperwork. I don't think you understand. This is not a normal amount of paperwork for the show. This is substantially beyond the median. Beyond on the average. Okay, so you guys agree on most in this conversation and disagree on some. How do we approach these disagree conversations then?

[Bastian]

I mean, when we disagree, we generally try to find a common ground at.

[Caleb Hammer]

And how do we do this? Do we actually or do. Are we both satisfied? Both dissatisfied? Is there a winner? Is there a loser? How does this look?

[Shaggy]

I feel like I typically tend to lose a little bit on it, but you agree time. It's.

[Caleb Hammer]

Is he the loser in these conversations?

[Bastian]

Sometimes. I mean, I tend to be a little bit more overbearing in my arguments because I do get a lot louder when we argue together.

[Caleb Hammer]

Really? You seem very passive in this.

[Shaggy]

He likes to make his points of that. He's right.

[Caleb Hammer]

Show me who you are. What do you actually like? I mean, like, I want you to be you.

[Bastian]

I mean, a lot of it was just nerves and being, you know, here and getting to this point.

[Caleb Hammer]

So that's okay.

[Bastian]

Just having. Getting to that point, I'm starting to get more comfortable and I'm starting to be able to talk a bit more stuff.

[Caleb Hammer]

It's okay. Don't you worry about it. I just want you to be you and I certainly want you to be comfortable. Yeah, but these conversations around finances, I usually start with this as the topic when it comes to couples. Because if I don't know how your conversation goes, how the. Can we walk away from here and be able to change anything? Because it's all about communication after here.

[Bastian]

Correct.

[Caleb Hammer]

Okay, so we disagree on some things. You make your point louder, you walk away as the loser. So if he is oftentimes walking away as the loser and we are not actually meeting a common ground, it's a more overbearing ground. Now I kind of understand maybe why potentially Mr. Autismo over here is not actually providing the change, providing the communication. Because he always walks away feeling like, defeated. Yeah, like he is walking away as the insignificant one in the relationship in the decision making. Is that fair? Is that a fair sentiment?

[Bastian]

But then also he also needs to just put a better foot down and be able to actually speak for himself. Because he likes to get to that point of, like when I do get very, like, passionate or loud or anything like that.

[Caleb Hammer]

And then, well, you have to be.

[Bastian]

Able to advertise shuts down. And then he, like, he might leave the conversation feeling defeated, but it's not.

[Caleb Hammer]

How hard are you put? How hard is he pushing at that point? It. What does it look like?

[Shaggy]

It just kind of depends because sometimes he's fine about it and sometimes he just goes over the top.

[Caleb Hammer]

And where you lose, though, where he goes over the top, what does that look like?

[Shaggy]

Just kind of just hurts for a little bit and I get the over.

[Caleb Hammer]

And why does it hurt? What happens in these conversations? Why does it hurt? What is over the top?

[Shaggy]

It's just the emotion that goes into it when he's.

[Caleb Hammer]

Tell me examples. Guy.

[Shaggy]

Can'T give any examples at the second flag.

[Bastian]

Well, he's asking you to give an example of when you have felt hurt coming away from these types of things. I can't give you that example.

[Shaggy]

I know you can't see. Yeah, sorry. There's nothing I can give you about that right now.

[Caleb Hammer]

What then? How can you say it's a thing that happens if you can't even think of one instance? It doesn't have to be detailed description of what's happened, but just an average, like, shot in the dark, like, just normal.

[Shaggy]

Just like what it looks like, like getting yelled at.

[Caleb Hammer]

So he's yelling like this.

[Shaggy]

He's yelling like that at the end of the conversation. Because I tend to push it and I keep going, you're going like this.

[Caleb Hammer]

You're yelling.

[Bastian]

There's definitely gonna be a point when I get a lot louder because, like, as you already experienced, kind of interrupt whenever we're talking.

[Caleb Hammer]

So what is he saying?

[Bastian]

Louder and louder and louder.

[Shaggy]

Louder. And starts. Starts maybe cursing every once in a while. They just, like, basically, yeah, just tries to get the point through. Because like this where I just.

[Bastian]

As soon as I start using the. The. And all of that is when he starts getting his feelings hurt. And that's when he starts shutting down and doing all of that type of thing, which, I mean, is fair.

[Caleb Hammer]

And I mean, it's not necessarily the most healthy way to do the conversation outside of the show.

[Bastian]

Of course.

[Caleb Hammer]

It's very healthy in here. Of course. In every way whatsoever.

[Shaggy]

It's so relieving.

[Caleb Hammer]

Of course.

[Shaggy]

Yeah.

[Caleb Hammer]

And that's fair that he was shut down. That's a traditional natural response for most people, I think, when getting yelled at and getting swear dad and saying racial slurs towards him and what else we're doing, you know, I think that is fair. Okay, well, we'll probably loop back to that then. But let's jump into the finances. What do you guys think your household financial score is all together combined, two, three. If you want your Hammer financial score, get it for [e-mail]. see where you stand in the world of finances, where you need to do better, where you're doing poorly, and what you need to do to do better. And remember, if you don't want to be like a guest who ends up with a show, remember they've been struggling to make a budget, struggling to stick to a budget. Download the Dollar Wise budgeting app. There's a free trial for you to just check it out, see if you like it. New features being released every single month. Tens of thousands of active users for a reason who are changing their lives because it is incredible. It is exactly what you need to do to stick to a budget, to build a budget, to manage a budget. Check it out. Free trial Dollarwise app. Or link in the description below. You can sign up for the annual version if you like. It saves you a lot of money. And when you do, I will personally send you a signed version of my Budget Friendly cookbook and mail it directly to you. Both of those links are in the description below. Check it out. Let's get into this money because again, this is not a normal amount.

[Shaggy]

No.

[Caleb Hammer]

To consider you're getting on the right track. That's not possible. I just. Based on everything I've seen, four times a week, three and a half years. Not possible. So grand vacations. What the Is this? Yeah, grand vacations.

[Shaggy]

Yeah. So I kind of got roped into that. We were at Pride, and I have it.

[Caleb Hammer]

Pride? Where is Pride?

[Shaggy]

Denver Pride. It's in. What is Civic Center.

[Caleb Hammer]

Is it just one Pride? I would.

[Shaggy]

It's every year.

[Caleb Hammer]

Yeah, but at Pride. Like. Okay. Denver Pride.

[Shaggy]

Yeah. So you kind of got roped into it. I have issues. Not a timeshare. Timeshare. Fractional real estate. Ooh. So they offered two nights of a stay at their. Right. Yeah. Outside of the rope. You in. Cool.

[Caleb Hammer]

And was it a gay lodge?

[Shaggy]

No, it was actually the Bougie Lodge. We get the fancy Bougie Lodge at the top of the hill. Oh, that. I've literally only used, like, one.

[Caleb Hammer]

Clean houses. You're getting a fancy bougie Lodge.

[Shaggy]

Nothing against a thousand dollars.

[Caleb Hammer]

Then. Is it the fancy Bougie Lodge? The. The.

[Shaggy]

What they showed us is really nice. Even though we haven't been in there because I've been using.

[Caleb Hammer]

You haven't been. Once.

[Shaggy]

I've been.

[Caleb Hammer]

Wait, when did you get this?

[Shaggy]

A year or two ago.

[Caleb Hammer]

What? And you haven't been once?

[Shaggy]

We haven't been into that hotel. I've been using the points and stuff that we curse. Go do other stuff.

[Caleb Hammer]

What the. How have you not visited it once. What?

[Shaggy]

I went there to go snowball.

[Caleb Hammer]

Who got sold on this? Were you there?

[Bastian]

I was there and I let him.

[Caleb Hammer]

Why?

[Shaggy]

Why were you going along with this on it?

[Caleb Hammer]

Huh?

[Shaggy]

He let me say yes on it.

[Caleb Hammer]

Why?

[Shaggy]

Because I can't say no. And we thought about.

[Caleb Hammer]

Who can't say no? You can't say no?

[Shaggy]

Me? Yeah, I mean, I feel like.

[Caleb Hammer]

Okay, so you walked them up to the Pride booth and the.

[Shaggy]

I walked to the Pride booth and he kind of did rope me up into doing it. I'm like a little mini vacation. Let's go do it. Gets us out of the house and gets this going.

[Caleb Hammer]

So you'll have a maintenance fee forever most likely. Correct, Correct, Correct, correct, correct. Okay. Plus, you owe on the actual share you've purchased $14,841.49. Currently at a 15.9% interest rate of death with a minimum monthly payment $268.69. 100 payments left.

[Shaggy]

And we also put like, like 2 or 3,000 down or was an extra.

[Caleb Hammer]

50 to $60 a month for the HOA fee.

[Shaggy]

10 months a year don't pay outright. And we put into a ten month payment.

[Caleb Hammer]

Oh for.

[Shaggy]

Yeah, because it's like five, six hundred dollars. I don't want to pay it all at once.

[Caleb Hammer]

Why would you get into something that is so hard to get out of?

[Shaggy]

It's so stupid. I hate it so much now. Like it's cool to get to go on these lavish vacations for cheaper.

[Caleb Hammer]

Go on lavish vacations for cheaper using travel advisors and cheaper. No, cheaper. You're paying this forever. You got a 15.9% interest rate. You can't use the word cheaper. You don't know cheaper.

[Shaggy]

Like nine more years, we pay it off and then we get a HOA fee for the rest of our life.

[Caleb Hammer]

Exactly. Will you ever try to sell this? Have you tried to sell this?

[Shaggy]

I've considered selling it, but I haven't looked into how to do it.

[Caleb Hammer]

And it's been over a year.

[Shaggy]

Also, how they. You guys can't afford to live that. We barely. Right.

[Caleb Hammer]

Well, you're spending more than you make, so I would say yes.

[Shaggy]

Yeah, sure, whatever.

[Caleb Hammer]

Yes. Yes.

[Shaggy]

So no, give me my cup.

[Caleb Hammer]

I purchased them.

[Shaggy]

I mean my cuppy. Damn it. So with this cool. Like we were thinking about like our. Our parents said we could take them on vacations or give it to our family once we pass or whatever. Because you could pass this on for the rest of your life to anyone else who wants to pay the HOA Yeah, right. Yeah. Gee. This is one of the better utilized.

[Caleb Hammer]

It and you won't let me talk. I wanted to talk about how this is one of the better almond mom snacks that my HR person has bought. Because that was more interesting really, using that snoot.

[Shaggy]

Let's sniff everything.

[Caleb Hammer]

People tend to call me and ask me when's the right time to euthanize their pet.

[Shaggy]

I just have to water before I drink it.

[Bastian]

Accurate.

[Shaggy]

This is kind of cool.

[Caleb Hammer]

Why'd you lock down with this one? Such a curious creature.

[Shaggy]

We did talk about that, actually, a long time ago. It was very last minute in the moment kind of thing. Right.

[Bastian]

But more or less.

[Shaggy]

I mean, I guess I chose him, but he kind of chose me to.

[Caleb Hammer]

You have to choose each other. Cause you'd probably clean up on Grindr. You're a twink who's a top. A twunk who's a top. Isn't that a winner? Isn't that a winner? Do we. Do we like those?

[Shaggy]

You did your whole Grinder phase and had fun with boys and stuff too.

[Bastian]

Yes, we did.

[Caleb Hammer]

Boys. Hold on.

[Bastian]

Not boys.

[Shaggy]

Men, you know, of age. Duh. That's.

[Caleb Hammer]

No, you said boys.

[Shaggy]

Well, I mean, that's kind of how everyone gays or kind of refer to, you know, boys. Wolf.

[Caleb Hammer]

So I don't know. I. I personally.

[Shaggy]

He had his little moment of having fun with other people while we're still dating and stuff. Try to include me on that. But I was also kind of really always shy about it.

[Caleb Hammer]

So why'd you select this creature? Just look at this. Not look, but how you're acting like. Oh, my goodness. I asked you a question. And then he just rambled for 45 seconds. What the are you doing here, dude? You could be cleaning up. And I'm saying this because I thought I was bi at the end of high school and early college. And then I decided. Wait, you never laid one of me titties? Oh, pussy. Shit. That stuff is great. No, men.

[Shaggy]

I. I can't do that.

[Caleb Hammer]

Black hole. No, I was talking about myself. Thank you. I don't know why we're talking about you right now. But then I decided that men weren't attractive in my early 20s. I learned.

[Shaggy]

I'm so sorry.

[Caleb Hammer]

Okay. It's okay. I just notice how you keep talking about yourself. So why are you with this?

[Bastian]

Cause at the end of the day, he is very caring, very sweet when we're at home, and he does so.

[Caleb Hammer]

When he's in his crate.

[Shaggy]

Where should I be?

[Caleb Hammer]

House.

[Shaggy]

The house. Yeah. I'm a stay at home body. I don't really like to go out.

[Caleb Hammer]

Stay at home bottom they call them.

[Bastian]

Yeah. So I mean, ultimately it is that he is a good emotional partner and he does take care of the emotional needs that I have very well.

[Shaggy]

Yeah.

[Caleb Hammer]

Your entire life signing up for timeshares. What are you talking about? You're gonna be dragged to the depths of poverty because of this beast.

[Shaggy]

It's only a few more years.

[Caleb Hammer]

No. What? No.

[Shaggy]

It's only a few more years away. Forever.

[Bastian]

Shut.

[Caleb Hammer]

The permanent contract. The hoa. No, they'll send you to collections.

[Shaggy]

Nicer house after you get a paid out off.

[Bastian]

Get a. Huh. He's still sold on it.

[Caleb Hammer]

I know. I'm seeing that. How exactly? Which is why I'm like, why are you with him? You can love someone, but even that person you love might be completely, endlessly tearing you down. And it might not be best for you to be with him.

[Shaggy]

Agree to disagree. Well, we all made.

[Caleb Hammer]

We've. We all make bad finances. One, that's not even a sentence. Two.

[Shaggy]

No, it's not a sentence. No one sentence enough.

[Caleb Hammer]

And then three, you're 30, you're not 22. What do these bad financial decisions or bad finances that you're making, as you say at 22 would be understandable. Not excusable, but understandable. You're not. You're a grown ass adult.

[Shaggy]

Please God, I'm only 30 grown. Give her another 10 years and then I could finally maybe get my shit together.

[Bastian]

You're so that's what you want to be with 10 years. It shouldn't take 10 years to get your together.

[Shaggy]

Back. To differ.

[Caleb Hammer]

Are you balding? No.

[Shaggy]

It's that gray hairs.

[Caleb Hammer]

That's not what I was asking. No hairline. Let's see.

[Shaggy]

Yeah, the balding runs in like my dad.

[Caleb Hammer]

Why does he have a haircut that makes it look like he's balding?

[Shaggy]

Because he can do so much better.

[Caleb Hammer]

You got the gay wheelchair glee haircut.

[Bastian]

I mean, that's great. He just doesn't do anything specific with his hair. He just kind of lets it lay.

[Shaggy]

No, I just love it.

[Caleb Hammer]

It's not a good thing.

[Shaggy]

Okay.

[Caleb Hammer]

Not that I have the best. I know I need a haircut and everything, but even. Okay, so yeah, this is. This is. You're in this forever. And the you allow that. You're too passive. You're too passive and then you blow up. Allowing this to happen is disgusting. You did not advocate for yourself or your household. And then. And then you just let it. Bottle it up and Then you blow up in an unhealthy way that is an ineffective communication side, which means you, neither of you are able to get to any kind of point of making changes in this household and communicating effectively and putting in an actionable plan. Because when you do make a budget, the couple times that you guys have, there's disagreements and someone walks away as a loser and, you know, there's yelling involved. And so why would both equally follow that budget? They wouldn't. You wouldn't? No.

[Shaggy]

And that's where we fall short.

[Caleb Hammer]

But you need, before making a big choice, to allow him to advocate for himself as well. Make, you know, you got to make sure. Sometimes even before I do small things, I really check in with my girlfriend to, like, make sure, you know, like, are you sure? Are you sure? Because, you know, I kind of know her. Like, you would. You probably know he wasn't for that, right?

[Shaggy]

No, not at first.

[Caleb Hammer]

Really?

[Shaggy]

Even he talked himself into it too. We both kind of talked themselves into it. Like, I was kind of like ecstatic for it, but also didn't want it. And then he was talking about how, oh, no, this would be really great for doing this too. So we kind of just both screwed ourselves on it. We both didn't want it. When we walked in there, we both said, no, we don't really want it. But I kind of was curious about it. You got it.

[Caleb Hammer]

I think he wants to say something. You're a good listener. I can't believe you allow him to ramble as much as he does.

[Bastian]

I've kind of really had to learn to let people ramble.

[Caleb Hammer]

You shouldn't.

[Bastian]

I mean, both him and previous partners just kind of do that ramble, ramble, ramble, ramble, ramble thing. So it's. It's definitely just, okay, fine, let's do it so that you shut the cup.

[Shaggy]

Really?

[Bastian]

That happens quite frequently.

[Caleb Hammer]

This. This permanent, life altering decision is. I'll just do it so you can shut the up. Really? You live and learn. Die. And so you. He says that and you hear that and you think that's him supporting this decision.

[Shaggy]

Yeah. And probably unconventional. Supporting in a way.

[Caleb Hammer]

Absolute. What is. I don't even know man with you. Okay. Best Buy. Was that your stomach?

[Bastian]

No, that was like the same. There was a chair.

[Caleb Hammer]

Someone took a big poop earlier. Who was that? Which one was that? Was that you?

[Shaggy]

If you. If you would like to know. Yes, I did do that bottle moving in the bathroom. Why? I did it.

[Caleb Hammer]

Like, it's not good for later.

[Shaggy]

Good.

[Caleb Hammer]

Yeah, later. I hope you brought a mobile douche?

[Bastian]

No.

[Shaggy]

Yeah, we already did it in the. We did it before we came here in the. In the hotel room.

[Caleb Hammer]

So pre poop? No, the sex pre poop.

[Shaggy]

You have to clean yourself out or be prepared or it could be a little gross. You just kind of get over it.

[Caleb Hammer]

He had to poop and you stuck it in.

[Bastian]

That was not this morning.

[Caleb Hammer]

What?

[Shaggy]

No, no.

[Caleb Hammer]

Best Buy.

[Shaggy]

I guess it was.

[Caleb Hammer]

Best Buy. What's going on?

[Bastian]

It's a card that I was, you know, spending a Best Buy.

[Caleb Hammer]

Oh, Shaggy is not thrilled about.

[Shaggy]

He likes to buy me stuff. And we'll go and buy stuff on there when we want stuff.

[Caleb Hammer]

Why are you staring at him like you're about to literally shake him?

[Shaggy]

Because I know he probably spent way more than he needed to and what, like, Christmas and stuff like that.

[Caleb Hammer]

So is the Sebastian fault card?

[Bastian]

Yes, that is my card.

[Caleb Hammer]

Full fault. So everything on here is all you?

[Bastian]

Yes.

[Shaggy]

Yeah, all of my faults are on my NDR.

[Caleb Hammer]

13 years to pay this off. By the way, doing minimums without purchases.

[Shaggy]

I bet you purchase minimums because I'm paying all the bills rather than the car, huh? I said, good thing I'm paying all the bills.

[Caleb Hammer]

Is this true? Oh, I didn't get your job. What is your job?

[Bastian]

I'm Lee, auditor for gas station company.

[Caleb Hammer]

What do you make?

[Bastian]

I make 25 and some change per hour.

[Caleb Hammer]

Cool. What hits your account per month?

[Bastian]

It varies between four and six, depending upon how much I drive. Because I get paid mileage and driving.

[Caleb Hammer]

5250.

[Bastian]

Let's do that.

[Caleb Hammer]

Okay. And what can I say? Shaggy brings in.

[Bastian]

I would say probably about equal.

[Shaggy]

Been four. Yeah. Lately it's been four and maybe a little bit higher than I get more.

[Bastian]

I'd say he's either about equal to what I'd make or a little bit less. So I've been equating it to around 4, 600amonth.

[Shaggy]

Seems about fair.

[Caleb Hammer]

Okay, 46. Well, 46. My goodness. I mean, you guys do well as a household. Now, Colorado Springs specifically, I don't know, but Colorado is one of the higher cost of living states. Yeah, it's not cheap, but you guys do well. You're over the median household income. This is next net. This is net, right?

[Bastian]

Yes.

[Caleb Hammer]

This is what hits the. Yeah, this is.

[Shaggy]

Before I put any money away.

[Caleb Hammer]

What are we doing? Like, that's 120,000 hours a year. It is 9 net. It is 9,850amonth net.

[Shaggy]

Going down, huh? Too many bills.

[Caleb Hammer]

Yeah, because of every choice you make. An unorganized inability to communicate as well.

[Shaggy]

Are so fun choices. G. Love it.

[Caleb Hammer]

Yes. Interest is accruing on here. Oh wait. Promotional balances have to be paid within a week. Within a week. Or deferred interest is going to be hit. Did you know this? Yes. Did he know this?

[Shaggy]

I did not know.

[Caleb Hammer]

And what do you think? Or $800 of interest will hit and $800 will be added to the balance of this card if it is not paid off. And good the luck. We spend more than we make. So how is that possible? Good the flock. What Is your opinion? $800 being added to this card in deferred interest in about a week.

[Shaggy]

In about a week. Holy. Well, I mean I don't know about all that. I'm just hoping that since I'm paying as much bill as I can he could get his together and only a.

[Caleb Hammer]

Little more than the minimum was put on this. So there is no getting nor together.

[Bastian]

That is the next card on my check on my snowball.

[Caleb Hammer]

Certainly the hope so I don't. Yeah but that is on basically not mathematically possible in the way you guys live in the way you spend. There's thousand on. I mean I've already seen. I mean going into this on your spreadsheet.

[Shaggy]

Sure.

[Caleb Hammer]

So the reality is. I'm talking. Thank you. The reality is I do not know how this will be able to be paid off mathematically. Like I'm sure you have an order.

[Shaggy]

Lovely little advice that you've given. Like you just pay the lease amount and then paid it off and put that money onto the next card and then keep going.

[Caleb Hammer]

Sure. That snowball. But. Or. Or avalanche. I guess depending whatever way you're going. But I put this before either of them because this is deferred interest. So 800 dol about to hit. That is $800 you can save by literally focusing everything into this. And in those debt repayment strategies. None of it says spent through thousands. Thousands. I bullshit. You cannot afford it on a monthly basis. Of which you do. Of which you do. So I don't want to hear a strategy. You have no strategy. There's no strategy. No strategy has been given. Strategy. You strategy.

[Shaggy]

Strategy. My strategy is just putting money in. If I have money. Cool. Call it good. That's my strategy.

[Hammer Elite Announcer]

You came for the finances. But what if you could have more. Welcome to Hammer Elite. YouTube's number one membership get even more exclusive members audits your time 100 yeah but juicy post shows you were doing.

[Caleb Hammer]

This behind his back.

[Shaggy]

One of them I've actually Never seen this photo.

[Hammer Elite Announcer]

Spicy audit breakdown.

[Caleb Hammer]

We still don't film with people like that. Like he is in next level audit updates. Seeing a therapist now Personally or romantically or both.

[Hammer Elite Announcer]

Behind the scenes moments and budget buddy surprises. And for this month only, you can get all of this for free. Join with the link in the PIN comment or description below. Submit proof of purchase@hammer elite.com and we will reimburse you for your first month month with a $10 digital gift card that can be spent anywhere. In most countries you have no idea what you're in for.

[Caleb Hammer]

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[Bastian]

It was the gaming device that I got him for Christmas.

[Caleb Hammer]

What do you have?

[Shaggy]

Lesion Pro Gaming handheld device. Kind of pretty cool. It's like a mini. It's just basically a mini handheld gaming computer. Love it. It actually works really well, runs well.

[Caleb Hammer]

And I've never heard of this. Okay. What did that cost?

[Bastian]

It was 900.

[Shaggy]

Yeah, he bought me the fancier one terabyte. Two terabyte.

[Caleb Hammer]

One.

[Shaggy]

What are the extra storages?

[Caleb Hammer]

And the other one? Being a good boy. Hey. Huh?

[Shaggy]

It's for me. Being a good boy.

[Caleb Hammer]

Die. Die, die. I. I've never been for animal abuse, but tunes are changing. There's no one like Michael Vick.

[Shaggy]

You could abuse me anytime.

[Caleb Hammer]

Why?

[Shaggy]

You're pretty.

[Caleb Hammer]

Okay, I'm pretty.

[Shaggy]

Yes. You're welcome. It's not even a compliment.

[Caleb Hammer]

Am I pretty? See?

[Bastian]

Subjective. See?

[Caleb Hammer]

See, he's not into the thicks. It's usually the bottoms that are into the thicks though. If any guy ever hits on me, it's always. It's always. It's. It's always. It's always the bottoms of men.

[Shaggy]

I'm sure everyone else on your show that have come. I probably thought you were. You could have. Probably.

[Caleb Hammer]

No, I get hit on actually, quite frequently and by guests. That is actually an incredib occur.

[Shaggy]

Straight men too, right?

[Caleb Hammer]

I think we've had one straight man that wanted me to suck his dick. Probably right.

[Bastian]

Oh, there's definitely been a couple. They have those eyeballs.

[Caleb Hammer]

I'm just like, looking at Kitten.

[Shaggy]

CC Sentum.

[Caleb Hammer]

Yeah, well, okay, yeah, sure, sure, sure. Everyone has their own types. But okay, Quicksilver. What's going on here?

[Bastian]

That was my first credit card.

[Shaggy]

Oh, yeah, the chase.

[Caleb Hammer]

So this is yours again. So the big balances on cards are so far, you.

[Bastian]

Yeah, a majority of the, like, actual, like, card balances will be mine because all of his cards got, like, lumped into an NDR agreement and he's been forced not to have any credit cards.

[Caleb Hammer]

You can't manage them. I'll let you use the fizz card. Debit card that I literally use my credit. Oh, I'm trying to do a plug. Any talks? My goodness. What are we even doing? You have a plug in right now. No.

[Shaggy]

I've asked him.

[Caleb Hammer]

Huh?

[Shaggy]

I asked him.

[Caleb Hammer]

Asked who? Well, you had to take a massive before you walked into this room.

[Shaggy]

Yeah, right.

[Caleb Hammer]

You blew up that bathroom before. I had to go pee. It was wonderful.

[Shaggy]

Sorry.

[Caleb Hammer]

Bottoms always have the stinkiest poop.

[Shaggy]

It's the. It's the high protein fiber diet.

[Caleb Hammer]

$5,479.51 is thrown on here with 167 minimum payment. Now. Why in this conversation, money and it's. We. Okay, fine. We're not combining fully. He always. Shaggy always says he has to take care of your minimum payments. Why is that? What's happening.

[Bastian]

It's. He's not taking care of my monthly payments. He's taking care of the household bills.

[Shaggy]

Yeah. So all this car insurance. Car insurance, lights, utility utilities and my stupid vivint and this Breckenridge is what I'm taking care of. So it's roughly. I basically gotta put 850 a week, I think. 850 a week roughly into the bank to cover bills. And that's just what I do.

[Caleb Hammer]

Okay. 167 minimum payment. How long do you guys think this takes to pay off? If you do minimum payments only. Oh, you insufferable. Which is what you only do as minimums. And if you don't purchase, which I'm sure you will, it's 23 years, 25, 30 years, 21. You'll be old gays.

[Shaggy]

Ripe. Ripe gays.

[Caleb Hammer]

Huh? Okay. Yeah. Literally,200 in interest this year so far.

[Shaggy]

That's not bad.

[Caleb Hammer]

What the. What is wrong with you? What are you talking about? That is bad. How. How do I deal with that? How do you deal with that? That mentality. How can you deal with.

[Shaggy]

With that?

[Caleb Hammer]

No, what are you going to do to deal with that?

[Bastian]

I. Good question. I mean it's been 21 years later.

[Caleb Hammer]

When this is paid off and he still has the mentality that all the interest you have accrued on this doesn't matter.

[Shaggy]

That's a lot. Something else with it.

[Caleb Hammer]

Huh?

[Shaggy]

We could have put that money into something else. Yeah. Uhhuh. Going on vacations.

[Caleb Hammer]

Yeah. So why the are you okay with it then? You're the one who said that.

[Shaggy]

Because it's money that you're just spending to have fun now and good for later. Spend money now, call it good, and if you could pay back, cool. If not, fucking pay it back. When taxes fail, it's just money. We live, we die. Incur it. Die when you're ready. Call it good thoughts.

[Bastian]

I mean this is your partner. That's kind of been his mentality on it the whole time.

[Caleb Hammer]

You're okay with it? You accept it?

[Bastian]

I don't necessarily accept it. I just really, it's. I've become indifferent towards it because there's not been much of a point in arguing it because that's kind of why.

[Caleb Hammer]

Accept it for the rest of your life. I'm not saying I want you guys to break up in general. I'm not advocating for that. But why should someone, even if you love them, tie themselves to a sinking ship? Why? Why? Why? Why? Why? Why? To dead weight. Why? It holds back your Entire future. You're still in that zone. I mean, listen, the moment, like, a gay hits 30, they're done. They're done.

[Shaggy]

That is not gay. Gay death. That's funny. No, they're still.

[Caleb Hammer]

No, it's true. People will not go for you. Once you are 30 and gay, you're 29 and gay. I mean, the chance. The time is now.

[Shaggy]

Look at Grindr. A lot of people still want to get and pounded when they're 30 plus a different.

[Caleb Hammer]

They want to. Doesn't mean they're getting it. That's where they show up to the woods at dark in a park.

[Shaggy]

The.

[Caleb Hammer]

And they cruise. What? The what? You telling me he doesn't know what cruising is?

[Bastian]

He does terrible.

[Caleb Hammer]

That's what the desperate old gays have to do. And I don't want you to become that.

[Bastian]

No.

[Caleb Hammer]

When you wake up in 10 years and you're like, oh, I'm wasting my life away with someone who's just destroying it. Even though I love him. Even though I love him.

[Bastian]

No.

[Caleb Hammer]

That's his response pretty much at all times. See what I'm saying?

[Bastian]

Yes.

[Caleb Hammer]

It might be best for your future too, to not have someone that comes and saves you every day. So you actually have to wake the up and grow up.

[Shaggy]

Yeah, it's about time soon.

[Caleb Hammer]

No, time has already passed, but you need to do it today. And if you don't, I hope he leaves you for the sake of him him. Because he deserves to live a good life. So do you. But you don't get to hold him back. It's not fair.

[Shaggy]

Good life for all those bills though, huh? Like, good luck with that.

[Caleb Hammer]

He can go through bankruptcy. There's tools he can use. I'm not saying I necessarily want him to, but for his entire future, he can go through seven years of annoyance on a credit to save him for the next five decades.

[Shaggy]

But five decades of not having me credit one.

[Caleb Hammer]

What's going on?

[Bastian]

It was a card that I got back a few years ago when I was kind of just looking for more credit cards and I.

[Caleb Hammer]

Looking for more credit cards. Credit one is the worst of the worst of the worst of the worst. When you have this, it means you are the worst.

[Bastian]

Yeah. I was unaware of that fact until I found your show and really realized how, like, screwed it was because I was very bad about looking at the statements from it. And so I wasn't noticing the extra fees and the extra from it because they're the ones who tack on 40. 50.

[Caleb Hammer]

What is this? Purchase 500 Something Fitness.

[Bastian]

It's a trainer.

[Shaggy]

Oh, trainer.

[Caleb Hammer]

Oh a month.

[Bastian]

Yeah.

[Caleb Hammer]

Listen, I want you to have a personal trainer. I want you to do activity. We might not be going full boosh right now.

[Shaggy]

Too much for that, for a personal. I would never pay a personal channel like that.

[Bastian]

After that, I mean after I got through the introductory run, it goes down for what on, on price? So it goes down to $300 a.

[Caleb Hammer]

Month which is still person.

[Bastian]

Not all in person, dude.

[Shaggy]

Okay, listen, our video, they, they do.

[Caleb Hammer]

Like remember when I said okay listen that meant listen.

[Shaggy]

30, 20.

[Caleb Hammer]

Okay listen, I want you to work out for sure. So I'm advocating for that. And we can pay for a gym membership. We're not doing personal trainer right now. While we're paying off debts. You got to prioritize. Yeah, you can, you can have activity and paying off that at the same time. You do not need the personal trainer right now.

[Bastian]

Yes, accurate.

[Caleb Hammer]

Okay, so we can do that. You guys have a strong household income after we're out of den, we have a six month emergency fund and we can live in our 50, 30, 20. Because your 30 will stretch a long way. Now your income, it still kind of blows my mind. Cleaning, Cleaning will consistently be this much. How many hours a week are you working?

[Shaggy]

Not that much. How does this make sense?

[Caleb Hammer]

Where is this making sense?

[Shaggy]

I typically work four hours a day.

[Bastian]

Where asking him about his income is that, you know, he can't answer how much he's working per week. Cuz you know, a lot of the time he's like I'm working less than 35 hours a week and I'm making, I supposedly up to that $1600 a month a week.

[Caleb Hammer]

Allow me to be racist for a second, if I may. Are there no Mexicans in Colorado?

[Bastian]

There's plenty of Mexicans in.

[Caleb Hammer]

What the is happening here? Cuz no, like I, I, I get my house clean twice a week. It's not that expensive.

[Shaggy]

I don't charge that much. I typically charge about 150 for four hours. 170 to 180 for six hours.

[Caleb Hammer]

So this math doesn't add up. What the.

[Shaggy]

No, it's roughly I, I strive for a 30 to 35. Okay.

[Caleb Hammer]

When you're ready to get a real job that has more longevity, especially when your body starts breaking down. That'll be decades, hopefully. But I'll get you a course career certification in whatever you want. They offer so much now, trades, tech, you name it, I'll get you one. A lot of people in the audience have used it to improve their income and get new jobs.

[Shaggy]

I appreciate that.

[Caleb Hammer]

I just, I don't know if I can use this 4600 for your income. I really do not. I really don't. So obviously we cannot afford this right now. Why the are you putting on Credit one which is interest and fees to the max.

[Bastian]

It was the only card that had credit at the time that I.

[Caleb Hammer]

Well, what should that tell us?

[Bastian]

Not to be doing the stuff?

[Shaggy]

Uh huh.

[Caleb Hammer]

What did I tell you about talking to the accused? To not dude fees hundreds this year, interest hundreds this year. It's absolute insanity. Beyond insanity. Credit one is a disgusting credit card. I think I have a checking account here.

[Bastian]

No, that's his NDR.

[Shaggy]

That's my NDR. So I used to pay 500amonth for all my credit cards. And then I got kind of tired of it one day and then called them up and said, hey, help me consolidate my credit.

[Caleb Hammer]

And how much are you paying for this?

[Shaggy]

This is 123.

[Caleb Hammer]

Not just that you're getting, you're getting fee, fee, fee.

[Shaggy]

Yeah.

[Caleb Hammer]

General fee, monthly fee, pain fee, paid bill fee, monthly charge fee. What? It's not just that you're what?

[Shaggy]

Yeah, no. Right, right. No. So how much you owe overall?

[Caleb Hammer]

Like how does it.

[Shaggy]

Most of my credit cards that paid off, I came in about 11,010 or 11,000 in debt.

[Caleb Hammer]

And so what do you owe a month?

[Shaggy]

A monthly it's 123. It's 123 every two weeks. They raised a little bit for one of the cards to have more money on there. So when I pay off one card, they just pay the other card half off and then it's not that bad.

[Caleb Hammer]

Well, when is it paid off? Is this the ending balance to 368 and then it's done?

[Shaggy]

No, no, that's for a month. Oh, that's your month done in about a year or less.

[Caleb Hammer]

How much is left on it? Okay. $368 a month.

[Bastian]

Let's see.

[Caleb Hammer]

Because it's not on here.

[Bastian]

It it. I was like, does it give you an actual amount? It just per month?

[Shaggy]

Not really. I don't think so, no. Oh, 68.

[Caleb Hammer]

Because I guess it depends on what you're doing on here. But this is crazy. You're paying. This is wild. I don't understand transaction fees. Like crazy customer fees.

[Shaggy]

When I called them up and asked about that, it's still. I only did yes. It screwed me over and it made me all of my accounts that I paid all on time, made it all into delinquency.

[Caleb Hammer]

Now this is not a type of debt relief service that I would typically advocate for. There are only reason I did. But not without changing your behavior first. Listen, I'm. I'm just guessing. It's about 4,500. Okay.

[Shaggy]

Yeah. Here. If you're curious. Here you go. So this one's almost paid off. Yeah, this one was almost paid off. That was my. I'm broke as shit. Spending.

[Caleb Hammer]

Okay. About $4,000.

[Shaggy]

So it's like a balance transfer. Yeah. And then these two were unbroken. Shit.

[Caleb Hammer]

I said it's fine. Apple card. Whose is this?

[Bastian]

Mine.

[Caleb Hammer]

Okay. $3,139.83. The are we doing? And why is this all.

[Bastian]

It's the card that I've used.

[Caleb Hammer]

It's gone up from the previous month. Sorry. $94 is your minimum monthly.

[Bastian]

That card.

[Caleb Hammer]

15 years to pay off that card.

[Bastian]

The only reason it goes up is because that's the card I use to book hotels for work. And then it immediately gets paid off.

[Caleb Hammer]

Yeah. Hotel, hotel, hotel, hotel. Uber, Uber.

[Shaggy]

It's all for work.

[Caleb Hammer]

What are we doing? Great. That doesn't matter. Work isn't paying for interest on it, asshole.

[Shaggy]

Yeah, because you don't pay off the whole car you're still getting. Unless you're actually going into the app and paying that amount off.

[Bastian]

That's what I'm doing is paying off the amount that gets charged.

[Caleb Hammer]

Well, by the time interest hits. I don't know.

[Bastian]

Not always.

[Caleb Hammer]

No. Exactly. Almost a thousand hours in interest this year so far. The 26.24 interest rate. Pull up your phone. Pull up your gay phone. Open it for me. YouTube. I told you. I called it. Give.

[Shaggy]

All right. Here, here.

[Caleb Hammer]

Why? When I swiped down. Listen, I swiped down. So I start the screen recording, but I accidentally swiped up to pull up the apps. The McDonald's app is the first thing that pops up.

[Shaggy]

It's cheap. Okay. And I have like.

[Caleb Hammer]

No, you can't afford. You can't afford. You can't afford McDonald's. You cannot afford McDonald's. You cannot afford McDonald's. Okay, just apple care for you saved up.

[Shaggy]

So I typically go there when I have enough points saved up and just buy cheap there. 20 off. Free Nuggies.

[Caleb Hammer]

Free. Shut up. You're spending money you can't spend. Dude, stop off. And for you, Pokemon Go. That can cost money too.

[Bastian]

Depending not in many years.

[Caleb Hammer]

We'll see. What? That's your profile picture. Zoom in on that.

[Shaggy]

Why is it still blurry?

[Caleb Hammer]

That's all the resolution we have. You're not a bad looking. Dude, that is a horrendous. Profile picture. Huh?

[Shaggy]

That's not a bad profile.

[Caleb Hammer]

No, it's really not a great one.

[Shaggy]

Oh, is it the one like it, you know, a tongue sticking out or something?

[Bastian]

I don't know. Okay.

[Caleb Hammer]

No, it's a very like high school gay.

[Shaggy]

Probably haven't updated in a while.

[Caleb Hammer]

Stop.

[Shaggy]

Sorry.

[Caleb Hammer]

How do you. How do you put up with this?

[Shaggy]

He bugs me enough too.

[Bastian]

I work 16 to 20 hours a day.

[Caleb Hammer]

Yeah, 60 to 20 hours a day. What the. That's cool. A seven days a week typically.

[Bastian]

I mean I work seven days, comes.

[Shaggy]

Home and just sleeps.

[Caleb Hammer]

Well yeah, I mean that makes sense.

[Shaggy]

Sense?

[Caleb Hammer]

That's crazy. You're grinding. Also he can around and not know what he's actually doing. Dude, your subscriptions literally will not work. I don't know what your subscriptions are. Synchrony Amazon card. Who's this?

[Shaggy]

What's the balance on it?

[Caleb Hammer]

Oh, $52.83.

[Shaggy]

That be maybe mine? Mine had the lower one cuz but I did bring it back up cuz I bought like a steam cleaner.

[Caleb Hammer]

You had le constantly this year.

[Shaggy]

Year me? Yeah, yeah. I'm very bad about remembering to set a reminder on my phone. And even if I set a reminder.

[Caleb Hammer]

Phone sometimes I might not have them auto pay you.

[Shaggy]

Yeah but if I said I have set auto pay up and then I don't have the money in account and then it overdrafts it and then I get charged even more. So rather just not have it.

[Caleb Hammer]

And adult look at your money. It's a small balance. I would just close it. You can't. You cannot be trusted with credit cards. You're not a credit card person?

[Shaggy]

No. Can I close it all?

[Caleb Hammer]

Huh?

[Shaggy]

Why do you think I stopped doing it all?

[Caleb Hammer]

But this is still here. You. You absolutely pull up your gay phone again. 29 minutely payment late fees like crazy. Interest like crazy. 30 interest rate. Amazon. Amazon. It's on synchrony Rotating magsafe, Hyundai mini Bluetooth.

[Bastian]

That's my card then. Okay, that's my card then.

[Caleb Hammer]

Oh, this is your card?

[Bastian]

Yeah.

[Caleb Hammer]

All right, pull. Give me your phone. Got I again. Oh, your subscriptions chat GPT calorie counter. Were you. Did you used to be a fat kid?

[Bastian]

Yes.

[Shaggy]

Oh self conscious about it, but I don't.

[Caleb Hammer]

That's okay. Just be healthy. Listen, I'm okay with that I guess cuz it's annual lease Apple one Apple the.

[Bastian]

I paid like half of that when I got that subscription.

[Caleb Hammer]

I'm okay with that. I just wouldn't do the trainer right now unless you absolutely hard coordinate it. You got three things in your car cart. You got three things in your cart. It's a Nintendo Ultimate Bluetooth controller. You no tripod. You no wireless mini microphone. You know, what are you trying to get into? Content creation. That's under $19. What are you doing?

[Bastian]

It's just been sitting there for over a month now.

[Caleb Hammer]

You got a rotating mag. Safe tripod. You got the Hyundai Mini Bluetooth program thing, electricity, smart food, kitchen scale and how to defeat a demon king book. And then way too expensive things in our cards. Listen, content creation starts off as a hobby. You can't afford a hobby and you don't really have time for a hobby. So. I wouldn't even know how you do content creation if you're working 20 hours a day.

[Bastian]

I wouldn't.

[Caleb Hammer]

I mean, are you his little bitch? He just shoed that drink from you.

[Shaggy]

No, I told him to put it over there without trying to interrupt you.

[Caleb Hammer]

Yeah, but you. That's like dick.

[Bastian]

Yeah, it's just kind of how he is.

[Caleb Hammer]

That's like whistling to have him come to you.

[Shaggy]

He does that.

[Caleb Hammer]

Yeah.

[Shaggy]

Hey, that's almost just like that.

[Caleb Hammer]

Yeah. Oh, Huntington Zero dollar balance.

[Shaggy]

Oh, yeah, that's probably me. I usually don't have money in my accounts.

[Caleb Hammer]

Oh, well, no, this is like some kind of credit. But it only allows you to get 100 bucks.

[Shaggy]

I used to do that when I had money in my account, but now because I don't have any money, I can't even do that anymore, so.

[Caleb Hammer]

Carecredit. Who's this at $3,036.31. Basically maxed out.

[Bastian]

It's my eyeballs.

[Caleb Hammer]

Huh?

[Shaggy]

Lasix worth it.

[Caleb Hammer]

Who?

[Bastian]

Me.

[Caleb Hammer]

You got Lasik?

[Bastian]

Yes.

[Shaggy]

Okay. Best money ever spent.

[Caleb Hammer]

Why?

[Bastian]

I was having a lot of frustrations with my glasses. I was. I spent quite a bit of money on glasses. I was.

[Caleb Hammer]

I mean, was this the right time to do it, though? Especially if we had to put it all in credit? It's an elective surgery. I get it. If it was a medical necessity, be fully on it. But yes. Was this the time? I'm not saying you can't do it. You guys make good money.

[Bastian]

But I was definitely less drowning in debt when I did it.

[Caleb Hammer]

When did you do this?

[Bastian]

It was last year at some point.

[Caleb Hammer]

$99 minimum to payment, balance of $3,036.31. 19 years to pay this off. Which means, I mean, oh, in. In 10 months, deferred interest of at that time, they will add $2,000 to the balance.

[Bastian]

I've been paying between 200 and 300amonth on it.

[Shaggy]

I don't think that's.

[Caleb Hammer]

Nope. You paid 91. Nope. 200. But let's see. Okay, we got 10 months.

[Bastian]

Because if I pay 300amonth on it should be paid off.

[Caleb Hammer]

Well, yeah, it's about before the hits.

[Bastian]

Yes.

[Shaggy]

Okay.

[Caleb Hammer]

Yeah, 310. But you're not. Not. But let's mark that 310 is required to pay it off before 2. Cuz that's very important for 2000. What are you just mumbling about?

[Shaggy]

I mean those numbers that you just said. Seems like he is almost doing just about 300amonth and.

[Caleb Hammer]

Well, 200, not 300. And there could be $1 left on it and 2,000 will be added like if.

[Shaggy]

Oh my God. Okay, fine. Day.

[Caleb Hammer]

Discover personal loan at 14.99 interest rate. Whose is this? What? Oh, who's past due? Who's past due? You?

[Shaggy]

Not me.

[Bastian]

It wasn't past due.

[Caleb Hammer]

It is past due. Oh, total amount due. Sorry. Nevermind.

[Bastian]

No, it wasn't past due because that's. That's definitely one that I've gotten very good on. And that one's never been late.

[Caleb Hammer]

Okay, good. What's the personal loan for?

[Bastian]

It was a consolidation loan that I did a couple years.

[Caleb Hammer]

Which was you?

[Bastian]

Yes.

[Caleb Hammer]

Oh, well, you were making it sound like it was you. You thought.

[Shaggy]

No.

[Caleb Hammer]

Okay, listen. Obviously consolidations haven't worked because our balances are right back up. If you guys do not change behavior, your debt forgiveness, your consolidations, it does not work. Bankruptcy would not work because you will be end up in the same exact spot if not double the debt. So you still owe$410.71. It's almost paid off with a minimum payment of $136.02. Okay, but is it. Is it a 15 interest rate? When did you get this consolidation?

[Bastian]

Back in 21 sake.

[Caleb Hammer]

And we learned nothing from the clear half of what is still more paperwork than most financial audits start with and credit union. Whose is this?

[Bastian]

Mine.

[Caleb Hammer]

Pass through $40.

[Shaggy]

Was that the. That one's official. That one from the car accident or something?

[Bastian]

It depends on which one you saw.

[Shaggy]

I don't know.

[Caleb Hammer]

You owe $519.88 with interest accruing.

[Shaggy]

That's the payment.

[Caleb Hammer]

40 bucks.

[Bastian]

I think I just pulled the statements. On the day it was due, it was part of it.

[Caleb Hammer]

No, no, it was past due. It wouldn't be past due. On the day that it is due. It is past due. You just got this. I'm being told so what is this for?

[Bastian]

It was originally going to be for moving around some debt and then we just used it to.

[Caleb Hammer]

Didn't work again. Used it for what though?

[Bastian]

Tint on the car.

[Caleb Hammer]

What? And what. How is that important? Q.

[Shaggy]

Because we don't want people seeing in our car.

[Caleb Hammer]

Roadhead.

[Bastian]

It's mostly. Yeah, it's mostly just also.

[Caleb Hammer]

You're doing Roadhead.

[Bastian]

It's mostly also just doing Roadhead. It's a.

[Caleb Hammer]

You're not willing to admit you do. Road head.

[Bastian]

Yes.

[Caleb Hammer]

We celebrate Roadhead. We celebrate road. We celebrate Roadhead.

[Shaggy]

Live life. Have fun.

[Caleb Hammer]

Listen, we never get the gays on the show. So I got to use and abuse it while I got it.

[Shaggy]

Please.

[Bastian]

I mean, absolutely. Okay, so I mean it's. It's also that.

[Caleb Hammer]

Okay, well I don't think we're getting a 21.99% late balance of $519 for more private roadhead.

[Bastian]

It's also just a light sensitivity thing because I do spend a lot of time in my vehicle driving.

[Caleb Hammer]

Wear sunglasses. That's kind of stupid. I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use. Chime. Also it makes your savings grow at a 3.5 APY interest rate. Guys. You can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Below. Sign up for Chime. Get that $350 right now in your checking account. Wanna 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 Dollar Wise today you'll get to try 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.

[Shaggy]

He does too.

[Caleb Hammer]

From the gas station dude. For like $5. Are you kidding me? We're getting a whole balance at high interest that were past due on to not wear Sunglasses and to get a little glucky. Glucky? From the beard.

[Bastian]

Yeah, I guess that. I mean, it was.

[Caleb Hammer]

Gays are always so kinky.

[Bastian]

It was just. I was trying to.

[Caleb Hammer]

You know. That's not that dramatic of a kink, but I know gay people love public.

[Shaggy]

Oh, public humiliation.

[Caleb Hammer]

Humiliation.

[Shaggy]

Yeah. That's the thing.

[Bastian]

It's the way he takes it.

[Caleb Hammer]

Well, he only takes what you give. I don't know if you know this.

[Shaggy]

But I mean, having tent on your car is. Is a good justification to spend money on. Like I spent 600 on my account, actually know you for my Porsche.

[Caleb Hammer]

Who? For a what? Oh, a Porsche.

[Shaggy]

Yeah, I have a Porsche. And I tinted it and it was like my part of my birthday present. Either I paid it or you helped me pay. I don't remember what it was. I think. I think you paid it for my birthday or something.

[Bastian]

I don't remember.

[Caleb Hammer]

Yeah, I don't remember. So you have the Hyundai Sonata?

[Bastian]

Yes.

[Shaggy]

Y.

[Caleb Hammer]

Very good. 2023 Hyundai Sonata.

[Shaggy]

That's the old car. And that one got destroyed.

[Caleb Hammer]

Well, this one still has a balance.

[Bastian]

We're waiting for the gap insurance payout on it.

[Caleb Hammer]

And is that confirmed yet?

[Bastian]

Yes.

[Caleb Hammer]

Okay. So I can cross this off?

[Bastian]

Yes.

[Caleb Hammer]

Thank. Because you owed almost $10,000. Almost $9,000 at an 11.24% interest rate of horrendous, disgusting. Horrendousness.

[Shaggy]

That was a nice car.

[Caleb Hammer]

No, but there is a personal loan here. So you have an extra personal loan loan?

[Bastian]

Yes.

[Caleb Hammer]

What the. For why now? A6. Oh. $6,934.79. Why? With a payment of 203. No wonder you guys can't survive. Look at these payments. At this point, $203.40 on a monthly basis. Why is this personal loan for?

[Bastian]

I pulled it to try to help pay down some of the debts and consolidate things again.

[Caleb Hammer]

And how did that work?

[Bastian]

It didn't.

[Caleb Hammer]

Huh. This was taken out in August of this year.

[Shaggy]

Is that.

[Caleb Hammer]

Is that the second personal loan of this year?

[Shaggy]

It makes me feel so much better about the money that I spent.

[Caleb Hammer]

Well, you just took this out. Yeah. 20.7% interest rate.

[Shaggy]

Holy.

[Bastian]

That's bad.

[Caleb Hammer]

That's. Oh. What? Yeah. No, it's brutal. We got to keep going, cuz it's going to be forever. Micro Center. I really wish we had one.

[Shaggy]

Oh, I love Micro Center. It's so hard not to spend so much money there.

[Caleb Hammer]

Well, I don't like that you have one then. So whose Micro center card is this?

[Bastian]

Mine.

[Caleb Hammer]

Oh, for sake, dude. Yeah. Dude, you have all the debt.

[Shaggy]

I have all the debt. I stopped my debt, thankfully.

[Caleb Hammer]

Well, not the. No, we have two credit cards. Cards. But we had one credit card from you.

[Shaggy]

Yeah.

[Caleb Hammer]

What was that? It was the bet link and then you also had the vacation home, so. Yeah, you're not like.

[Shaggy]

Not that bad just to buy a.

[Caleb Hammer]

Dude, you consolidated dude. Come on.

[Shaggy]

I did. Yeah.

[Caleb Hammer]

1008.56 out on here. Interest accruing. Only making minimum payments. That is $40. No late fees this year, but hundreds in interest. Oh, a mortgage. We own a house.

[Shaggy]

Yeah, we bought it a pretty good time.

[Caleb Hammer]

We have a very 2.75.

[Shaggy]

That is.

[Caleb Hammer]

Yeah. Yeah, the rate's great.

[Shaggy]

Yeah.

[Caleb Hammer]

How much is the house worth stick?

[Shaggy]

300000 maybe slightly.

[Caleb Hammer]

Are we both on it together?

[Shaggy]

Yes. 50.

[Bastian]

50.

[Caleb Hammer]

That's good. $230,243 left.

[Shaggy]

Yeah, we haven't paid that much into it and I want to pay more, but we can at.

[Caleb Hammer]

No. Why? Why? Why would you pay more at that interest rate, 2.75%.

[Bastian]

It would make no sense to pay more. This is what I keep telling you.

[Caleb Hammer]

But you keep saying $1,623.43 a month. Usually a mortgage is the last debt but it can't because then I have this. What is this? Okay, this is $24,841.

[Shaggy]

Is that the solar? Oh yeah, the solar that we got.

[Caleb Hammer]

How sunny is it? We're in Colorado Springs.

[Bastian]

It's actually pretty Colorado Spring know Colorado on average has 300 days of something.

[Shaggy]

A lot more than what Florida likes to boast about. Their sunny no color springs is almost. It's almost a year round of sun.

[Caleb Hammer]

Okay, brag about it. Yeah, I just wanted to make sure.

[Shaggy]

Very, very beautiful. So the Solar.

[Caleb Hammer]

Yeah, solar. 6% interest rate roped into it and no. Who got sold on this?

[Shaggy]

I.

[Caleb Hammer]

And you did an advocate. Kate.

[Bastian]

I was.

[Caleb Hammer]

Or did you agree with that really?

[Shaggy]

He just kind of said if that's what you want.

[Bastian]

I wasn't there.

[Shaggy]

He.

[Bastian]

He was not.

[Shaggy]

Not the first part. I kind of let her in and I. We talked and after that I told her that I need to discuss it with my partner before I say yes. So then she came back and then we both discussed it I think after.

[Caleb Hammer]

No o the so what happened then?

[Bastian]

He called me while I was at work when they were there and he was talking about it and. And he basically laid out the numbers for me and I said if you think it's going to be a good deal as Far as like what we're paying versus what the electricity is in the house. Now go ahead and do it. But only if it's going to make sense.

[Caleb Hammer]

Has it?

[Bastian]

For the most part, yes it does.

[Caleb Hammer]

Solar can be relatively good. What I just don't like is a 6% interest rate.

[Shaggy]

No I don't.

[Caleb Hammer]

And also just you guys have an insane stack of debt adding another monthly payment onto it.

[Shaggy]

But that was early. That was like when we first like the year or two into getting the house. So we didn't have that much debt to start. Start when you first got the house. Our debt to income was low enough to get the house.

[Bastian]

Yeah. Because we were. We had paid off quite a bit before we bought the house.

[Shaggy]

Yeah. Like it was like. I remember it being like they were talking to us and we had.

[Caleb Hammer]

Okay, so minimum payment is $217.32. Oh my gosh. It really just keeps going. Who's the citizens pay?

[Bastian]

It's both of ours. It was the like line of credit that Vivint did for the equipment.

[Caleb Hammer]

500. Wait the statement. Okay. $566.50 is owed. Count is currently closed. Minimum payment $66.75. What's going on with this? Or 67 cents.

[Shaggy]

That's like the almost forever rental that we have on our cameras.

[Bastian]

It's not a rental. It's literally just payment. It's. It's the.

[Shaggy]

Not rental. Whatever.

[Caleb Hammer]

It's the finance.

[Shaggy]

Yeah.

[Caleb Hammer]

Your security.

[Shaggy]

It's like they make it like a line of credit it. So if you want to add on. They just add it on to that line of credit.

[Bastian]

Yeah. But right now it's not gaining any interest or anything so it just needs. It's just being paid off.

[Caleb Hammer]

No interest, no minimum. That's good. A checking account I think. Nope. Another damn loan. Auto loan. Whose loan is this?

[Shaggy]

I think that one's mine. It's Porsche.

[Caleb Hammer]

Only has 2026 on it.

[Bastian]

That's his.

[Shaggy]

That's his truck. Truck. My Porsche is paid off. I paid that in cash.

[Caleb Hammer]

What's your Porsche? What kind of car do you truck do you have?

[Shaggy]

I have a 2010 Ford F150. $20,026 into it. Cuz I went to law and bought it that day and it was not. No one ever looked at it. And I guess I just want it. So I got it and at first I'm really happy. It's not a lemon cuz I really.

[Caleb Hammer]

It's at a 7% interest rate with a minimum fee payment of what it looks like 367.52 for a little. But it's another minimum monthly payment. Dude. And you guys almost over. But it's just stacking forever.

[Shaggy]

Yeah. It's been stacking for years now. And this little bit I paved and.

[Caleb Hammer]

Quiet sh. Quiet. Okay. 2025 Hyundai Sonata. Is this your new car?

[Bastian]

Yes.

[Caleb Hammer]

Sake.

[Shaggy]

I was so pissed off when I saw that balance on that per month. Holy.

[Bastian]

Like you're paying it.

[Caleb Hammer]

Did you go and just do this yourself without his knowledge?

[Shaggy]

No. He knew. Oh, I knew. Sorry.

[Caleb Hammer]

Then why is it pissing you off?

[Shaggy]

It's expensive every month.

[Caleb Hammer]

Yeah. Yes. Okay. 4149 7. Then why'd you accept it? Dude?

[Shaggy]

It's nice ass car. I love driving it. It's so worth it.

[Caleb Hammer]

It's yours? Yeah.

[Bastian]

It's my car.

[Shaggy]

It is? Yeah.

[Caleb Hammer]

Okay. Dumbass. I don't know. Minimum monthly payment776. No. No. You're.

[Shaggy]

No.

[Caleb Hammer]

It's normally 813. $41. That is crazy easy. Hey, what's it worth?

[Bastian]

Right? About what I paid for it.

[Shaggy]

Yeah.

[Bastian]

It's totally 40,000.

[Caleb Hammer]

Is it what?

[Shaggy]

38 for a little leg because it's always less.

[Caleb Hammer]

Which is the most reliable? It's the most reliable. It's what we use. We switch to Admins. Says it's $28,885 price. Dude. You are dramatically underwater for a minimum payment. That is absolutely insanity. Insanity, insanity, insanity. A fifth of your income essentially alone phone. What the.

[Shaggy]

Oh, and that's not on top.

[Caleb Hammer]

What's the interest rate?

[Bastian]

It's 12.4.

[Caleb Hammer]

What are we doing? Why?

[Bastian]

I mean my mileage reimbursement die every month pays for that without me having to worry about it.

[Shaggy]

It's the gas. You save so much more money on gas.

[Caleb Hammer]

Stash. Who's stash? Who's stash? Who is stash?

[Bastian]

Mine.

[Shaggy]

He puts some money away to savings and no, you gotta pay.

[Caleb Hammer]

You saving 67. You. What are you talking about? You've never heard of save? You don't know what save is? You savings.

[Shaggy]

No, I don't.

[Caleb Hammer]

What do you go into gas stations for and get. For a couple bucks, five bucks.

[Bastian]

Usually energy drinks.

[Caleb Hammer]

Okay. No, you don't. No, you no longer do. Take a free sample of your choice. I don't care. Listen. Gamer subs. You make coffee at home instead of going to Starbucks for a reason. To save money. 40 cents a serving with gamer subs. You make your energy drink at home. It tastes better. Get your free samples below. Find what flavor you love like and then get yours for 10% off using my link or code. Caleb Gamer Subs GG no, you're making your energy drinks at home or in the car. That's it. You can't afford to stop in and get a $6 energy drink. You. You can't.

[Shaggy]

You. You didn't do that for a little bit though where you made your own energy through.

[Caleb Hammer]

Like you're doing it now from home and I don't give. It's the same.

[Shaggy]

Huh? It's not the same.

[Caleb Hammer]

It does, dude. It. Well, you're right. It tastes better actually. It legitimately does. Blind taste test. We've done it, guys. I just don't even know. Literally commenters. The videos have started to come out where I talk about these and commenters like oh, I got the free samples. Dude, this is great. So just do it. It saves you a lot of money. It's not just a plug because obviously the company makes money, I make money. It literally saves you money. So why the not. Yeah, for just as good taste. Energy.

[Shaggy]

Thank you for that.

[Caleb Hammer]

So energy drink Kindle. Do you have Spotify?

[Bastian]

No.

[Caleb Hammer]

Okay, then I'm okay with Apple Music.

[Shaggy]

Yeah, Apple. Apple.

[Caleb Hammer]

You know, is there audiobooks on Apple Music? Like there is Spotify.

[Bastian]

Not.

[Caleb Hammer]

I'd switch to Spotify. Then cancel Kindle. Get audiobooks through Spotify. I know you drive a lot, so that's where I'm okay with you having something. Yeah, but let's not have two have it all under one. Sheaf vapor or vaping or little vapes.

[Bastian]

Yes.

[Caleb Hammer]

Come on. Why die? You're getting your health under control.

[Bastian]

Why your lungs and it's a caffeine and nicotine gets me through the day.

[Shaggy]

Yeah.

[Caleb Hammer]

Nope. No, you stop.

[Shaggy]

No, you. It's going to. He's going to get so pissy at me all the time if he doesn't.

[Caleb Hammer]

Have and go through his withdrawals.

[Shaggy]

Oh, I tried. I. He even asked me to take his little carts and I did that for a little bit but then he just goes and gets more.

[Caleb Hammer]

Can you please quit? I know it's easier said than done. Dude, you got. You got to. If you're taking care of your health and one way don't it in another.

[Shaggy]

You're right. Yeah. My health over three sweets. That's my. That's my addiction.

[Bastian]

Cuz it's kind of one of those things of just, you know, I. That's how I get me through my day is just. You know, I always tell people caffeine, nicotine and self hatred was what gets me through.

[Caleb Hammer]

Just do caffeine and self hatred was one. You just can't afford it either. Cinemark, Amazon. Good times. What is it? A bar, restaurant, little thing. It's Energy Microelectronics. Come on. On membership to Hammer Elite. The best membership on YouTube. And number one for a reason, because there's three premium shows posted every single day, Monday through Friday. When is this coming out? New Year. New Year, baby.

[Shaggy]

Wow. Exciting.

[Caleb Hammer]

Six days. Six days a week. Now three shows. We're ramping up to seven. So three shows a day, six days a week. All high quality, all awesome. Check it out. Went inside. Got an energy drink. Energy drink. Energy drink. Affirm. Affirm. You're paying your affirm on a card that accrues you. What are we doing?

[Bastian]

That doesn't accrue interest.

[Caleb Hammer]

That's just you. There's probably fees and.

[Bastian]

No, it's just a checking account.

[Caleb Hammer]

Okay, good. Energy drink. Energy drink. Patreon 61.74. Patreon.

[Bastian]

It's for an author that I support.

[Shaggy]

Oh, is that.

[Caleb Hammer]

That's just a lot. That's just too much money. I would never ask for that because you have another one for 10.29 and then best Buy going in. Getting some. Getting some Cinemark Energy drink. I think that's a restaurant. I think that's a restaurant. Lifetime Cafe. Bullshit. Energy drink. Angry Chicken. This is so much spending for someone that's trying to get out of debt and change their life. You know, you're not. Well, look at this behavior. Apple Cash. Energy drink. Energy drink. Energy drink. Clouds. Vape. Come on, dude. Gyro's Town. Smoothie King. Golden. Golden Corral.

[Bastian]

That was for my sister when she was in town.

[Caleb Hammer]

We all had dinner and we went to Golden Corral.

[Bastian]

It was not my choice. It was my father's choice. This father.

[Caleb Hammer]

Energy drink. Energy. It keeps going. Energy drink. Energy drink. Energy drink Smoke plus. Energy drink. Energy drink Smoothie King.

[Shaggy]

He's got to have his energy for the day.

[Caleb Hammer]

Shut the up vaping. Just die, dude. Thousand one hundred in the savings. I guess at least you got thousand. Oh, 900, 9,000 in this. What's this?

[Bastian]

All right, Those are stocks.

[Caleb Hammer]

Oh, good. Like a Roth ira. What is this?

[Bastian]

There's a individual brokerage account and a Roth IRA.

[Caleb Hammer]

Well, which one's 9,000?

[Bastian]

That would be the individual brokerage.

[Caleb Hammer]

And 2,640, the IRA. Well, that's good behind for your age. If that's your entire retirement, we'll see. Whose fidelity is this? His 3000. Is this your 401k or what is this. That is.

[Shaggy]

Yeah. My 401k slash savings for taxes.

[Caleb Hammer]

What the. I'm getting back to debt again. Wait, what is all this? This. Oh, affirm.

[Shaggy]

Yes.

[Caleb Hammer]

Who's affirming? 23.67% interest rate.

[Bastian]

That would be mine.

[Caleb Hammer]

What? Hold pier firm. Oh, there's a ton. What the are you doing? Just a firm. Yeah. It's over piling.

[Shaggy]

That's only 2073.

[Bastian]

I mean that's not the worst.

[Caleb Hammer]

Shut the up. No. You're going to hold back the entire relationship. You're a horrendous individual. Let me see. Okay. At this point, after all the affirmed. Oh, your purchasing power is a thousand. Okay. No, you just purchased the course careers. We'll see if we can get that covered.

[Shaggy]

Appreciate it.

[Bastian]

Thank you.

[Caleb Hammer]

Yeah. Yeah. You just did eBay. $3,258. What is it? For you cheese.

[Bastian]

Ah, it depends. I mean I've.

[Caleb Hammer]

3258.27. November 26th. You November 20.

[Bastian]

I didn't spend anything. Not would you.

[Caleb Hammer]

Yes.

[Bastian]

No.

[Caleb Hammer]

November 26th, 2000. 3258.27 it's right here. You.

[Bastian]

That's old. That's an old one. Yes, but it was not this recently. That was last year. Year.

[Caleb Hammer]

Yeah.

[Bastian]

That's 2024.

[Caleb Hammer]

So what do you currently owe on a firm?

[Bastian]

I owe a total of.

[Caleb Hammer]

I don't even know how to use that app.

[Bastian]

There you go.

[Caleb Hammer]

Oh, for what, you little tit? Aus eBay Best Buy.

[Bastian]

What is all this for ebay? I, I, I, I had I collect video game consoles.

[Caleb Hammer]

Collect. Paying off debt.

[Bastian]

Yes. But one the eBay one I bought the 30th anniversary PlayStation 5 Pro and so that's what that one was. And then something else with that one. And then the ASUS one was a computer.

[Caleb Hammer]

$4,721.41 with a minimum to payment of $392.95. So. Oh, this checking account. Affirm. Overdraft. Who's overdrafting? Huntington tend to overdraft A good who you can someone tell me whose this is?

[Bastian]

It depends. We both use Huntington.

[Caleb Hammer]

Cuz you don't know who overdrafted.

[Shaggy]

We both kind of overdraft. I usually have money in my savings. Barely enough to cover it.

[Caleb Hammer]

You prick. Quiet you. Who's overdrafted four times this year? Shut the up. Who's overdrafted four times this year? And they're checking account.

[Bastian]

That might be the joint account.

[Caleb Hammer]

Oh my gosh. Joint. We're overdrafting four times this year. Okay. Who has a balance of 680? Start with 434.

[Shaggy]

Might be mine.

[Caleb Hammer]

ATM. Withdraw, withdraw, withdraw, withdraw, withdraw, withdraw. Affirm. De gee.

[Shaggy]

Mexican restaurant.

[Caleb Hammer]

Apple Bill, Shake Shack, Micro Center. Apple Bill, Burgers, Clouds, Vape, Daggy Daigi.

[Shaggy]

Is our little nom nom place that we love to go to.

[Caleb Hammer]

You die. Delicious Micro center subscription stash. Bullshit. Bullshit. Getting on. Going inside. Getting some gamer subs. Dude, you got to stop. Stop. Premium omelets. Apple Five star. Five star. Vape. Audible. Two audibles. Okay. Apple Cash. You multiple overdress this year so far. Three on that one. Then in this Huntington Solace. Solace Cash app. Little Caesar's Cash app. Going ins A. Arby's, McDonald's. Sports clips. It's so stupid. It's not. Sports clips is fine. You dramatically need it more than anyone I've ever met. $563 in this one. Hulu, Netflix. So stupid.

[Shaggy]

I'm pretty sure.

[Caleb Hammer]

Whose cash app is this? $25.

[Shaggy]

Oh, that's mine. It's my little bit of Colorado.

[Caleb Hammer]

Sending money back and forth. Die Klarna. Shark Ninja. Die. Die. Die. Die. Culver's, Die.

[Shaggy]

Nami is good.

[Caleb Hammer]

What's he saying? $10 in this. Down from 400. This is money being sent back and forth. What a joke. What a joke. Yeah, I. I'm so curious about these minimum payments, if this is budgetable. I hope it is. I wish you guys the best. I don't know if you will have the best when you guys are very conflicting on your mentality around money. I don't know how the we're going to survive as longevity as a couple, but obviously I hope you do.

[Shaggy]

We've been doing it for 10, 11 years now.

[Caleb Hammer]

Yeah, but he's trying to get his shit together.

[Shaggy]

Yeah, and he's getting his shit together.

[Caleb Hammer]

Yeah, but you are holding him back. Shut the.

[Shaggy]

Oh, please.

[Caleb Hammer]

What are you talking about, oh, please? If you listen to your language. Watch this episode back. If you can sit still.

[Shaggy]

I will so have fun watching. And all my mistakes that I've made. Mm.

[Caleb Hammer]

And that's something you're proud of? That doesn't. That doesn't embarrass you to your core?

[Shaggy]

Not really.

[Caleb Hammer]

It should. Does that not embarrass you, Mr. Or whatever your fake name is? I forgot Baston Bastion.

[Bastian]

That was definitely a big part of, like, what was holding me back from coming was just because ultimately I am really embarrassed about where I've gotten myself.

[Caleb Hammer]

No.

[Shaggy]

And that's.

[Caleb Hammer]

Are you not embarrassed of him?

[Bastian]

Some days this.

[Shaggy]

That's okay, you love me.

[Caleb Hammer]

He can love you and be embarrassed by you. And you can love him and still hold him back in a way that is bad for him. You don't understand that that can happen at the same time. Buddy, I don't know what to put for your income. There's no way. Let's try to do some math real quick. Okay. Minimum payments outside of the mortgage is $3,715.98. Mortgage is $1,623.43. All utilities combined, including the Internet. How much?

[Bastian]

That would be like 2,000.

[Shaggy]

3,000.

[Caleb Hammer]

What? What?

[Shaggy]

Wait.

[Bastian]

Oh, I thought Utilities, utilities, including Internet. How much is. Is it the. The Internet's usually what, 150 or something?

[Shaggy]

No, there is like 130 something. Utilities. Two 217 plus other utilities are about like 35 to 180 in the winter. Like 400.

[Bastian]

It's like 400.

[Shaggy]

Yeah.

[Caleb Hammer]

Okay. Probably gas. All right.

[Shaggy]

Phone bill 180.

[Caleb Hammer]

Switch to helium when your phones are paid off. If T mobile is good there same tower, same service. Phone, gas. Vroom vroom. Drive drive. Not including what's reimbursed because that is included in your income. So how much net gas?

[Bastian]

If we're not including my gas, then we then expense for me.

[Shaggy]

80Amonth.

[Caleb Hammer]

Car insurance. How much?

[Shaggy]

It used to be cheap, but now.

[Caleb Hammer]

How much now for the household, 620.

[Shaggy]

$623.

[Caleb Hammer]

Groceries, 600 TP fund. Anything else needed to survive. Toothpaste, all your good stuff. Toilet paper, 150. Medical, health care. Are there co pays?

[Shaggy]

I'm just paying for dental. And that's 300 left. That's a debt to me. Yeah.

[Caleb Hammer]

Did I have that debt?

[Shaggy]

Yeah, I showed it to you, but I didn't look at it.

[Bastian]

I thought you didn't send it. Is what he said you didn't send it.

[Shaggy]

I didn't send it. On my badass current.

[Caleb Hammer]

What's your minimum?

[Shaggy]

Well, it was still low that.

[Caleb Hammer]

What is your minimum payment?

[Shaggy]

30. I usually tend to adding 30 to.

[Caleb Hammer]

The minimum for debt and then my Amazon. What, there's more?

[Shaggy]

Yeah.

[Caleb Hammer]

Why did you just send your accounts You.

[Shaggy]

Because they're so low and I.

[Caleb Hammer]

No, it doesn't matter. They are still balances. Okay. Additional $128.87 with a new new addition of 29. Every dollar stretches here you. Okay, so no kill pays. Okay.

[Bastian]

Jim, how much he pays $60 for his gym and he gets it for.

[Shaggy]

Free because he works there.

[Caleb Hammer]

Is that included in your pay? Did you gave Me?

[Bastian]

The pay that I gave you should.

[Caleb Hammer]

Be including that job too, because it's on the hunting. Was it both jobs? How much do you make total a month? Dude.

[Bastian]

What hits your account with the other job? About another thousand dollars.

[Caleb Hammer]

Okay, so 4,000. 6,200 for me. You? Oh, subscriptions. I'll try to do 40 bucks. You have any pets? G always got two pets. How much or what?

[Bastian]

We got two dogs and.

[Caleb Hammer]

Dogs and a cat. So $150 for pet insurance. How much for pet food?

[Shaggy]

We don't pay for pet insurance.

[Caleb Hammer]

You are now, cuz you could not afford to keep them alive if something were to happen. You dumbass. I love that food. Shut the up. How much for your pet food?

[Bastian]

Paying what? 40 to $60 a month.

[Shaggy]

40Amonth? It's not that much.

[Caleb Hammer]

You don't respect them. You dress up like one, you freak. Oh my gosh. No, we love it. We support all kings here at Hammer Media llc.

[Shaggy]

Woof.

[Caleb Hammer]

I don't know if we support all kings. Listen, I think your income's like $3,000. Huh?

[Shaggy]

You can go back on your statement there.

[Caleb Hammer]

Oh, I can do anything I want. Are you kidding me? Say whatever I want. Think whatever I want. You think I give a you9250 were calling the income. Come. Trust me. I got my own degenerate kinks. Trust me. Oh, oh, Creature character.

[Shaggy]

Share.

[Caleb Hammer]

I'll share them in the post show. So if you want to hear my kinks, ladies and gentlemen.

[Shaggy]

Yeah, I'm excited for that.

[Caleb Hammer]

You want to hear my kinks post show? I. I will share two. I'll share my two favorite kinks.

[Shaggy]

Okay, good. At least, at least you gave me.

[Caleb Hammer]

Me that Goonie show. But it is a finance show, okay? You need $7,721.41 to survive on a monthly basis. Insane. 3,750 of that is minimum debt payments. So once those are gone, you guys are living high. Like really well.

[Bastian]

I think that's a lot of where we got into was that we got the house and then we were like, oh, we don't need to worry about things. And we turned into that by now.

[Shaggy]

Worry about it later.

[Caleb Hammer]

Yeah, all have fun. Let's see how much debt you have outside of the mortgage because obviously we're not paying that off.

[Bastian]

Really? It's like a hundred thousand?

[Caleb Hammer]

Yeah, let's find out. No, it is more than that, my friend. 129. $884. With the extra 1500 you have left on a monthly basis. Just 86 months to pay off.

[Bastian]

7.

[Shaggy]

Years basically on minimum, though.

[Caleb Hammer]

Listen, we got to get you a better job making more money. If you do that, bring in an extra thousand, two thousand hours a month and we throw it towards that. This gets paid off in a few years and that. That works. If we can't, for whatever reason, if we can't, and I don't know how long you're gonna be able to sustain. 20 hours a day. Like, what the. What are we doing? That's crazy. If you can change your behavior for a few months, I'll allow you to go through bankruptcy alone, wipe out all these minimum payments, and then we can take care of all the debt outside of the card. Card minimum payments. We take care of the vehicles, you take care of everything else. That'd be okay with that. That's kind of where we're landing.

[Shaggy]

Going to bankruptcy, though.

[Caleb Hammer]

Quiet. That's kind of where we're landing is where either you need to bring in more money or you're doing bankruptcy or consolidation, but probably bankruptcy because it'll be on your record as long as paying off all this debt would be anyway. But it's a lot less stress still stress and not cheap. But bankruptcy of the credit cards and we pay off our cards and everything else in the timeshare as quick as you can and hopefully sell that eventually. But I think that's our path. Okay. We might look at his resume in the audit. I'll give my. In the post show. I'll give my kinks and I will.

[Shaggy]

We'll.

[Caleb Hammer]

We'll go into more sets. The post show is always crazy. So make sure you hit that join button. Doing the number one membership on YouTube. Hammer Elite three premium shows posted every single day, six days a week now. We upgraded it to give you more value. Premium shows. It's incredible. It is not quantity over quality. We deliver the quality and the quantity. So don't worry. It doesn't have to be either or. It is incredible. Check it out right now. I'll see you there. Okay. Well, your resume is two pages. That's still stupid.

[Shaggy]

That's sure.

[Caleb Hammer]

You need to stop. You need to stop having opinions. No.

[Hammer Elite Announcer]

Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. See description for more details.