Deadbeat Dad Steals Money From His Child | Financial Audit

Summary

Financial Audit Podcast Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Episode: Deadbeat Dad Steals Money From His Child | Financial Audit
Date: November 5, 2025
Guest: Christian

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Overview

This episode centers on Christian, a 28-year-old mailman from Biloxi, Mississippi, who has severely mismanaged both his finances and family responsibilities. Caleb confronts Christian over his irresponsible spending, heavy debt, lack of financial discipline, and—most notably—raiding his four-year-old son’s savings to fund vacations, which Christian openly admits he does not regret. The episode dives deep into Christian’s marriage, mental health, and the fallout of his choices on his child and spouse.

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Key Discussion Points and Insights

1. Christian’s Background and Income

• Christian works as a mailman, earning about $27/hour, which amounts to roughly $1,500 biweekly ($3,000/month).
• Lives in Biloxi, Mississippi, with a low cost of living, owns a house purchased in 2021 (interest rate: 3.19%).
• His wife, Oksana, recently rejoined the Army to pursue a paid training program. She is 27, plans to train as an Occupational Therapy Assistant, and will make $4,000–$5,500/month with a housing allowance.

2. Marital and Family Dynamics

• Marriage of convenience ("we had to get married so I could get all the military benefits"), lacking joint finances.
• Wife left largely due to financial stress ("she got back in the Army because I put us in a financial hole").
• "Do you think she's actually sticking around just because of the kids?" – [34:26]
  • Christian admits it’s possible; tensions and arguments about money are routine.

3. Financial Negligence and Savings Raids

• Christian emptied his four-year-old son’s savings ($8,000–$10,000, mostly birthday and family gifts) to fund multiple vacations.
• Spent over $15,000 on travel in the past year, including four trips to New York, Disney World, Atlanta, the Bahamas.
• Rationalizes it as "building memories," shows little remorse:
  • “I figured I valued building memories with him and stuff, taking him experiences. It was worth it.” – Christian [11:21]
  • “How could you do that? Pay your son back? Do you hear that? You're paying a four year old back. Do you hear that?” – Caleb [15:18]

4. Debt and Out-of-Control Spending

• Debt load approaching $80,000–$90,000 (excluding mortgage), including:
  • $14,000+ in credit card debt and personal loans
  • Two car loans (Ford Maverick: $32k owed, Tesla Model Y: $27k owed—both underwater)
  • TSP loan (retirement loan) used to pay off credit cards (but then ran them up again)
• Christian frequently consolidates debt—only to run balances back up.
• Eats out daily, spending >$1,200/month on fast food and restaurants.
  • “Chick Fil A every day. Shut the fuck up. This is insane.” – Caleb [59:12]

5. Severe Lack of Financial Responsibility

• Will not use a budget even after friends make one for him and after downloading budgeting apps.
• "You begged your friend to make a budget for you... And I did not apply anything." – Christian [28:22]
• Makes minimum payments while keeping high balances; still accumulates debt on all cards.
• Bought an AR-15 for himself and his brother, spent about $2,000 on collectibles, figurines, and Pokémon cards.
• Justifies spending with YOLO/momentary satisfaction, resists lifestyle change or accountability.

6. Marriage in Crisis

• Wife “gets on him” relentlessly about money—Christian admits to tuning her out and letting her get angry daily.
• “She says I stress her out.” – Christian [33:38]
• Caleb highlights Christian’s actions as “one of the more disgusting things I’ve seen,” indicating stealing from his child’s gifted savings will cost the child about $40,000 in missed compounding by adulthood. [20:22]

7. Mental and Physical Health as Excuse for Spending

• Christian identifies fast food as a coping mechanism for stress and anxiety. He went a single week without eating out, then immediately relapsed [39:43].
• Downplays health risks; wife pressure over his weight.
• Stopped anxiety medication due to side effects, still deals with ongoing anxiety and unhealthy coping.

8. Long-Term Consequences and Future

• Even in months where take-home pay is higher (e.g., three-paycheck month), Christian spends double or more than comes in.
• Only solution seen is for Christian and his wife to combine finances, fully budget together, and make drastic spending cuts.
• Realistic timeline for debt payoff, if both spouses combine efforts and incomes: about three years; otherwise, Christian cannot survive financially.

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Notable Quotes and Memorable Moments

• On Raiding Child's Savings:

  • "I ran up [vacation expenses] on my credit cards and then... I don't want to pay interest, so let me take from my kid's future." — Christian [12:04]
  • "That is actually one of the more disgusting things I think I've seen." — Caleb [20:22]

• On Marital Trouble:

  • "You think she's sticking around just because of the kids?" — Caleb [34:26]
    "Potentially." — Christian
  • "She says I stress her out." — Christian [33:52]
  • "This is so unhealthy." — Caleb [35:51]

• On Refusing to Change:

  • "You begged your friend to make a budget for you... And I did not apply anything." — Christian [28:22]
  • "What can I do? You are a person that steals from your kid. That's not something I can change. You're a thief in the night." — Caleb [28:57]

• On Escalating Debt:

  • "You stole $10,000 that you didn’t even contribute to your kid so that you can go on vacation." — Caleb [18:36]
  • "If you make minimum payments, only, without doing any purchasing... This took 28 years to pay off." — Caleb on Discover card [42:14]

• Self-Awareness and Rationalization:

  • “I only get—he’s only little for so long. Want to go out there and build the memories, the experiences.” — Christian [15:24]
  • “I want to do better. That’s why I’m here.” — Christian [29:30]
  • “Shut the fuck up. Get your teeth straight. That's why you're here. You want to do better. I want to do a lot of things. That doesn't mean I'm doing them.” — Caleb [29:33]

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Timestamps for Key Segments

• Intro/Raiding Kid's Savings: [00:00–01:00]
• Background & Income: [01:00–02:30]
• Marriage & Wife's Military Service: [02:30–05:56]
• Discussion of Vacations & Savings Raid: [11:17–17:00]
• Debt Breakdown: [26:00–27:00], [41:00–43:00]
• Dining Out Habits: [37:54–39:14], [72:03–73:53]
• Impact on Marriage: [33:09–36:08]
• Credit Card/Loan Analysis: [41:00–49:00]
• Collectibles & Extraneous Spending: [70:29–72:07]
• Budget Math (Minimal Scenario): [85:48–88:08]
• Conclusion & Hammer Financial Score: [91:14–92:39]

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Tone and Language

The tone is blunt and direct. Caleb alternates between incredulity, sharp criticism, and bewilderment, trying to shock Christian into realizing the severity of his actions. Christian is at times sheepish, defensive, but often rationalizes his behavior, deflects with humor, or downplays consequences. The conversation is peppered with expletives and sarcasm, maintaining the show’s signature, high-energy confrontational style.

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Conclusion

This episode stands out for its raw examination of how irresponsible financial behaviors—especially when justified as "for the kids" or "building memories"—can sabotage a child’s future, strain a marriage, and erode self-respect. Caleb underscores the urgent need for behavioral change and accountability, warning that only through genuine discipline, budgeting, and spousal partnership can Christian hope to escape his current pattern. Without fundamental change, the trajectory for Christian, his wife, and especially his child looks increasingly bleak.

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Memorable Line:
"You are a person that steals from your kid. That's not something I can change. You're a thief in the night."
— Caleb Hammer [28:57]

Transcript

[Caleb Hammer]

To watch episodes of financial audit a week earlier. Check us out on YouTube. You raided your kid's savings so you could go on vacation and you don't regret it.

[Christian]

I figured he's 34 now. He won't.

[Caleb Hammer]

He won't know how much was there in your kid's. Your kid saving?

[Christian]

Probably because they thought I was going to pay him back immediately. But I pay my son right back.

[Caleb Hammer]

Pay your son back. Do you hear that? You're paying a four year old back. Do you hear that?

[Christian]

What the she said when she quits yelling at me is when I should worry.

[Caleb Hammer]

Do you think she's actually sticking around just because of the kids?

[Christian]

Potentially.

[Caleb Hammer]

Sure she's not someone else?

[Christian]

I wouldn't be surprised.

[Caleb Hammer]

We've been getting a ton of people asking us to extend the deadline for the dollar wise launch. So you know what? I'm going to give it to you starting now. You can still sign up for a three day free trial for dollar wise. But hurry. We're ending the promotion at midnight on October 31st. And get a free signed cookbook by me. Click the link and start your free trial today.

[Christian]

Hi, my name is Christian. I'm 28 years old and this is financial audit.

[Caleb Hammer]

You're a red one, aren't you?

[Christian]

Yep. I don't wear sunscreen. Yeah, I work outside all day.

[Caleb Hammer]

It's a 28. You're two years younger than me. Yeah. Dude, you're gonna. You're gonna age.

[Christian]

Oh yeah.

[Caleb Hammer]

Can we talk about that? You're gonna age.

[Christian]

Oh, I know. Trust me. I'm in the sun all day. No sunscreen.

[Caleb Hammer]

Said. What's the city you're from?

[Christian]

Biloxi, Mississippi.

[Caleb Hammer]

Biloxi, Mississippi. I don't know it. Mississippi. Not a high cost of living state by any means. So I'm very curious to see what kind of income you got. What do you do for a living?

[Christian]

I am a mailman for the post office.

[Caleb Hammer]

Okay. Freedom. We love it. America. Ro Roo.

[Christian]

It's not too bad.

[Caleb Hammer]

Sure. What do you make?

[Christian]

About $27 an hour. Mm.

[Caleb Hammer]

In Biloxi. How does that stretch? How you feeling?

[Christian]

It's not too bad if I was a little more responsible, but you know, yolo.

[Caleb Hammer]

Yolo?

[Christian]

Yeah. I just like to live it, live my life.

[Caleb Hammer]

We're going back 10 years ago. YOLO. Okay. Wow. Sure, it was big when you were 18. You're really holding out of those high school days where you peaked, right?

[Christian]

Oh, yeah, sorry.

[Caleb Hammer]

Actually, I don't know. Okay, so what hits your account per.

[Christian]

Paycheck on Average, I say about 1500. Depends on if I work over.

[Caleb Hammer]

Is that every other week?

[Christian]

Every two weeks.

[Caleb Hammer]

Biweekly.

[Christian]

Biweekly, yes, sir.

[Caleb Hammer]

You said if. Overtime. If I often overtime. Is that normal? 1500 is the normal, though.

[Christian]

It's about average. It's normal. Good. It was more consistent. But I actually recently took myself off the overtime list. I don't work overtime anymore.

[Caleb Hammer]

Okay, so what is your account now?

[Christian]

About 1500. Okay, so how many times I'm forced. What was it, about 18 to 19?

[Caleb Hammer]

People want their mail. Why are you going down?

[Christian]

Well, my wife just left for the military and I have a four year old.

[Caleb Hammer]

How old's your wife?

[Christian]

She. She's 27.

[Caleb Hammer]

What does she do?

[Christian]

She just rejoined the military in the army. She wasn't asking a guard. She can't tell me. She has to go to training. She just left for training.

[Caleb Hammer]

Sure she's not someone else?

[Christian]

Oh, yeah, I hope not. She might be.

[Caleb Hammer]

That is a common thing.

[Christian]

She comes home in a good mood, I'll look the other way.

[Caleb Hammer]

Why is she doing this? Like, I love that. Signing up and serving. Great. We love it. We. We love the armed forces. We need people protecting the United States. This is good. You really don't hear them signing up 10 years after when people usually sign up.

[Christian]

Well, she was in the National Guard, and then when we had our kids, she got out and she says it's because I. I've put us in a financial hole, you know.

[Caleb Hammer]

So she signs up for the army.

[Christian]

Yeah. Well, she could go right there.

[Caleb Hammer]

So she could get away from you.

[Christian]

Well, she could keep her rank. And so she gets paid more. She was serving sushi and she has some old ladies giving her crap about yum yum sauce.

[Caleb Hammer]

Where's she gonna go serve, in Japan?

[Christian]

I hope so. I hope so because I would love to move to Japan.

[Caleb Hammer]

Oh, you're gonna follow?

[Christian]

We are, my kid and I. As soon as she gets stationed somewhere, we're gonna up and move.

[Caleb Hammer]

What the. This is. Oh. When is she stationed?

[Christian]

We don't know.

[Caleb Hammer]

Yeah. What if it's Afghanistan? I don't think we're there anymore.

[Christian]

No, no, no, no, no. Not going there.

[Caleb Hammer]

I hope so. You won't follow if it is Iraq? I think we're a little there still.

[Christian]

I might back out at that point. No, no, no. Not the marriage, just the.

[Caleb Hammer]

And she'll be there for. Is she doing the standard three year cycle?

[Christian]

I think she's on for four now.

[Caleb Hammer]

Well, wait, what's the intent of this? I'm so confused again. I still don't hear people signing up. You're at that age.

[Christian]

Typically she was in. She had the opportunity to get back in and keep her rank so she didn't have to start over.

[Caleb Hammer]

So what income is that going to come with then?

[Christian]

She's rough.

[Caleb Hammer]

She never going to try to translate to civilian life. Like, I'm confused.

[Christian]

Her plan is to go in for occupational therapy assistant. They pay for all her school and then it can transfer when she gets out. She can do it in privately, civilian life.

[Caleb Hammer]

Yeah, but with the National Guard. Did she not already have school paid for?

[Christian]

No, it was. Well, she would have school paid for, but they train her so she would have to go to college if she was in National Guard here, they send her straight to the training and they pay her like a salary while she's in school. So instead of having to be in school and work and be a weekend warrior on the National Guard, then she'll be in there full time and it's in Texas somewhere. I just. I don't know where.

[Caleb Hammer]

But after service.

[Christian]

After. She wants to transfer it to a civilian?

[Caleb Hammer]

No. When is she doing the schooling in service?

[Christian]

She just left a couple weeks ago for. Yeah, like. Like she's in her service and they pay her.

[Caleb Hammer]

What is she going to be doing in service right now?

[Christian]

Just school. Like, that's her whole thing. And then when she gets that, she does. If she deploys, it'll be a matter. It'll be a medical setting and it won't be like. She won't be in like a combat zone. She'll be more like in a hospital helping people with like rehab and stuff.

[Caleb Hammer]

Okay, I like that. That's nice.

[Christian]

Yeah.

[Caleb Hammer]

You're saying she felt pushed to go because you.

[Christian]

That. That's what she tells me when we argue about money. She'll tell me, maybe she should be here with you. Honestly, I tell her, I'm like, are you sure you're not trying to catch a break from us, you know, for a little bit? But no, she. Honestly, maybe she might. Yeah, she might. But, you know, so.

[Caleb Hammer]

Sorry, I've interrupted a couple times. What. What income is she going to be making then?

[Christian]

It should be around 5,500amonth with her housing allowance.

[Caleb Hammer]

When does that kick it? Oh, with housing allowance. But after it's. The housing allowance is put towards housing. What's going to be hitting.

[Christian]

I think it's around 4. She just left. So.

[Caleb Hammer]

Okay, you guys have joint finances?

[Christian]

We haven't conjoined yet.

[Caleb Hammer]

So is that for even going to go to the Household. How does this going to look?

[Christian]

So I'm waiting.

[Caleb Hammer]

Well, what's the household? You don't have joint. I'm confused.

[Christian]

Well, we kind of just send it back and forth between each other. She like, you know, she pays the power bill. It drafts to her card. I pay the car payments. She'll pay this, I pay that.

[Caleb Hammer]

Go pays rent. The big one, the trunk.

[Christian]

I don't have rent. I have a mortgage.

[Caleb Hammer]

Who pays the mortgage? And you're going to leave to go be stationed for four years.

[Christian]

If I do, my dad's going to rent my house from me, build my equity for me, pay the bills.

[Caleb Hammer]

Why?

[Christian]

Why? Why would your dad do that until I'm ready? Because he lives in an apartment with his mom right now and he's looking. She has some health issues, so he moved in to help her out.

[Caleb Hammer]

Okay.

[Christian]

But she's different. She's going to have to go to a care facility. So he's looking to get an apartment. He's actually going to move in with me for a little bit now that she's gone until we leave, and then he'll take over everything. I don't want to get rid of my house yet.

[Caleb Hammer]

I'm not suggesting so necessarily, but you're going to be gone for a bit and you're going to be landlording. And landlording with family especially gets very awkward very quickly. Guys been together six years, married for.

[Christian]

Since May June. Yeah, we had to immediately leaving. Well, yeah, we had to get married because. So I can get all the military benefits. We didn't want to pay for a wedding. You know, this is expensive. Yeah.

[Caleb Hammer]

Okay. Okay. Very okay. Okay. So I don't. With the finances I'm looking at today. Does that include hers?

[Christian]

No, this is all.

[Caleb Hammer]

So how do I even incorporate her four into this?

[Christian]

She has no debt.

[Caleb Hammer]

Can I.

[Christian]

She has no debt.

[Caleb Hammer]

Yeah, but she has accounts, including spending. So I don't know how to incorporate her 4,000 into this, especially since you guys aren't joint.

[Christian]

Hmm. Yeah, I mean, we.

[Caleb Hammer]

I talked really no conversation around this. So, I mean, what is your. What have you guys talked about when it comes to her four?

[Christian]

She. I asked her if she wanted to make a joint account before she left, and she was like, you know, she likes kind of how that setup we have now kind of works, you know.

[Caleb Hammer]

So for her to protect her. I have a feeling. Is she on the mortgage?

[Christian]

Yes, she is. We're both on it.

[Caleb Hammer]

When did you guys get this house?

[Christian]

September 2021. It was a little crazy back then.

[Caleb Hammer]

Why? Oh, the housing market?

[Christian]

Yeah, the house. The housing market was insane.

[Caleb Hammer]

Okay, I'm just. I'm confused. Is she trying to have any kind of independence to protect herself, like. Cause it sounds like you guys got married before you were ready to get married and you only got her for benefits.

[Christian]

We were never really too concerned with the whole marriage aspect. You know, my kid's four. We've been together a while.

[Caleb Hammer]

There's a four year old?

[Christian]

Yes, I have a four year old.

[Caleb Hammer]

Okay.

[Christian]

So, you know, I have insurance through my job. It's a little pricey.

[Caleb Hammer]

Sure. Now she gets the biggest return on of everything.

[Christian]

Well, no, it's just one of the perks of her getting back in. There's a lot of ups and there's a lot of downs.

[Caleb Hammer]

Yeah, but you guys getting married, not going joint.

[Christian]

Yeah.

[Caleb Hammer]

Why doesn't she want to go joint? What does she said?

[Christian]

She just says I spend too much money. And she hasn't trusted you financially? Probably not.

[Caleb Hammer]

Then why are we married? Well, for the benefits. But you guys aren't ready.

[Christian]

I mean, we love.

[Caleb Hammer]

Love isn't everything. What? Finances is one of the leading causes for divorce in this country.

[Christian]

Oh, yeah, I've heard. She gets on to me.

[Caleb Hammer]

I told her to tell me about that. She gets on you? What?

[Christian]

What? Tell me. I told her if she had came here with me today, she'd probably sit on that side with you because she. She gets on me.

[Caleb Hammer]

Very good. Now tell me what that's actually like.

[Christian]

So, like, my mig thing is eating out. I have a weakness to eat now. And so I'll, you know, I'll be on. I'll get off work. I'll grab me some McDonald's on the way home, right?

[Caleb Hammer]

Oh, yeah, you spend eating out all.

[Christian]

Yeah, so like, it's like my stress thing. It's like, oh, McDonald's chick fil A. Chills me out, you know, it's kind of instead of like a cigarette, I get a McDouble, you know, and so. And then I'll come home and she'll be like, oh, did you go out to eat? And I'll be like, mmm. And then she's like, you don't need to go out to eat. You spend too much damn money eating out.

[Caleb Hammer]

Well, yeah. Is she cooking? Are you cooking? How would that work?

[Christian]

I don't like cooking.

[Caleb Hammer]

Who's supposed to cook?

[Christian]

We don't have an oven right now. We have the stove top, but we got struck by lightning a couple months ago and it fried the oven. And so, like the Easter eggs, no insurance to cover? No, I don't have any insurance for stuff like that.

[Caleb Hammer]

Okay. Yeah, that's usually extra layers. Okay, what do I have a note here though, that I was like, listen, I go in blind with the audience and this is the get to know you section. And I usually decide whether right now if I hate you or like you. And I usually like you, but I'm usually also annoyed. So. And that's normal. But I usually like to guess. And I was like, okay, so what's this episode about? So I look over my screen, I have a note from you essentially, I guess in your application or whatever, and you rated your kids savings so you could go on vacation and you don't regret it.

[Christian]

Yeah.

[Caleb Hammer]

What the is that? Because that's gonna make me hate you real quick.

[Christian]

No, I understand. I. I figured I valued building memories with him and stuff, taking him experiences. It was worth it. Yeah, I figured, you know, I took him to New York four, four times in the last year. Disney World, the Bahamas, Houston with her, Atlanta. Yeah. She went, what's the rated like? I used it all.

[Caleb Hammer]

How much was there in your kids, Your kid's savings? Your kid's savings?

[Christian]

My savings for him was probably 8 to 10,000.

[Caleb Hammer]

What the. For your 4 year old?

[Christian]

Yeah.

[Caleb Hammer]

Well, I ran up for your 4 year old.

[Christian]

I ran it up on my credit cards and then ran what up? Those trips, the trips, expenses. I was like, well, I don't want to pay interest.

[Caleb Hammer]

I figured I don't want to pay interest. So let me take for my kid's future.

[Christian]

Well, yeah, he's like, what the fuck? He's like a 0% loan.

[Caleb Hammer]

So you owe it back in your mind, which I get. What was it sitting in? What was the savings sitting in?

[Christian]

Capital One savings account.

[Caleb Hammer]

So just a regular old savings account. Okay. So it should have been accruing in some kind of like more education focused savings account. Tax free, by the way.

[Christian]

Yeah, I haven't set one up for him yet.

[Caleb Hammer]

Great. Wonderful. Love that. Being a parent. And the wife's opinion on this?

[Christian]

She doesn't approve. I really didn't ask for her permission before I did it. I figured he's 34 now, he won't though. He might one day, but by then I plan to have him paid back.

[Caleb Hammer]

Yeah. 10,000 in 14 years.

[Christian]

Yeah. Hopefully sooner than that.

[Caleb Hammer]

Hopefully sooner than that.

[Christian]

Yeah. Doesn't sound I'm gonna get around to it.

[Caleb Hammer]

Will you? Because you racked up credit cards to go on vacation, then took from his.

[Christian]

Savings and then ran them right back.

[Caleb Hammer]

Up of Course you do.

[Christian]

Bro.

[Caleb Hammer]

What the. What the actual. So you did it without asking?

[Christian]

Yeah. Cause I had. She has her own account for him. I'm not sure what's in it. Probably shouldn't know. Why?

[Caleb Hammer]

Is it her mind for everything, including for our kid? That's so weird. You guys dynamic is so weird.

[Christian]

I used to put him some to the side back then, but, you know, as my debt got higher and higher, my expenses got higher. I quit doing that. And then I was like, oh, I don't want to pay all this interest. You know, we had a good time. I think it was worth. I think it was worth it.

[Caleb Hammer]

But this wasn't like you set this aside. I know technically you did it, but it was for your kid. And the way I separate that is it's no longer your money.

[Christian]

Yeah, we just actually I just took him like four weeks ago to New York again. He had him. He likes to ask to go. And we were going.

[Caleb Hammer]

The four year old's like, can we go to New York right now?

[Christian]

It actually does say that.

[Caleb Hammer]

Yeah.

[Christian]

Because you've put it in his head.

[Caleb Hammer]

Yeah, well, yeah. Four times this year. We're not even in Q3. Four yet.

[Christian]

Yeah, that's. That's the. That's where we like to go.

[Caleb Hammer]

And now he feels some kind of like entitlement.

[Christian]

Yeah, he.

[Caleb Hammer]

Like in a way, not an entitlement, but like when kids has to go to McDonald's, he has to go to New York.

[Christian]

Yeah. He's always asking, when are we going to New York? And then, you know, I was actually.

[Caleb Hammer]

Times in one year.

[Christian]

Well, I was actually supposed to come on during that time, but I pushed it back with Lindsay because I was going to New York.

[Caleb Hammer]

Okay, so you saved up how much into that savings account?

[Christian]

Originally it was close to 10,000.

[Caleb Hammer]

And how'd you save that up?

[Christian]

Well, I didn't save it all. This was like birthday money from family friends. A lot of it was mine. A lot of it wasn't.

[Caleb Hammer]

Dude, it wasn't even from you.

[Christian]

Not at all.

[Caleb Hammer]

It wasn't even from you. It was from family giving it as. Do they know?

[Christian]

Yeah, some of them.

[Caleb Hammer]

And what do they think they possibly think? Guy, this is insane. This is disgusting.

[Christian]

They. They didn't disagree because they thought I was going to pay him back immediately. But I back the savings account. Let my pay my son right back.

[Caleb Hammer]

How could you do that? Pay your son back? Do you hear that? You're paying a four year old back. Do you hear that?

[Christian]

Yeah.

[Caleb Hammer]

What the.

[Christian]

I only get. He's Only little for so long. Want to go out there and build the memories, the experiences.

[Caleb Hammer]

He's a year into forming memories.

[Christian]

I can.

[Caleb Hammer]

Ah, trip to New York once a year is great. I have great memories with my parents. And we did everything on the cheap. It was going to a campground in a tent that was like 20 minutes away. That's what we did. And I have good memories. You don't have to go balls to the wall four times in one year. Plus Orlando and bull craziness.

[Christian]

Yeah, we did go on a two week vacation last year. It's been right under a year.

[Caleb Hammer]

Dude, this is insane. And I don't even know if he was able to have memories at that point. You're going to have pictures, but again, let's just pretend you did New York once this year. Okay, maybe. I mean, I would probably say, yeah, you probably shouldn't. But I want to be freaking the out four times in one year. Probably five by year's end.

[Christian]

Yeah. Well, we had. Originally we were just going on a cruise and well then I was like.

[Caleb Hammer]

You know, vacation once a month.

[Christian]

Well, then it was a cruise with. I was like, you know what? I got a few extra days off. Let's go to Disney since we're going to be down there anyway.

[Caleb Hammer]

U.S. postal Service stop giving days off literally for everyone. Just so he stops for up his child's life.

[Christian]

Yep. There's a limit to how many people can be off. So if four people are off, I can't take off. And it's pretty booked the rest of the year.

[Caleb Hammer]

How many days have you taken off this year?

[Christian]

I get like 120 hours up front in January and then I get my sick leave on the side.

[Caleb Hammer]

Taking it all.

[Christian]

I have about 40 left.

[Caleb Hammer]

What are you gonna do? 40. Well, 40 hours.

[Christian]

40 hours left.

[Caleb Hammer]

So a week.

[Christian]

It's about a week. I'm gonna try to roll it over, but we may go see his mom. Some. Depends on where.

[Caleb Hammer]

Some.

[Christian]

His mom. My wife. Yes, my wife Oksana.

[Caleb Hammer]

She's a boring. Oh, yeah. Where is she?

[Christian]

She's somewhere in Texas. I don't know the name of the town.

[Caleb Hammer]

You're in Texas right now and you don't know where she is?

[Christian]

She's.

[Caleb Hammer]

It could be literally close to her.

[Christian]

She's about four hours past Dallas.

[Caleb Hammer]

In what direction? There. There's a west for.

[Christian]

I looked at it on map one time. I don't know the name of it. Some military base.

[Caleb Hammer]

How much you guys want to bet it's Colleen? Could be real close to us.

[Christian]

I'm not sure. She says she.

[Caleb Hammer]

You're not going to visit? Well, here.

[Christian]

No, I'm going back tonight. I didn't want to spend money on a hotel room, so.

[Caleb Hammer]

Oh, yes, of course. Yeah. Now we're going to not spend money. Oh, wow. You literally asked Colton to postpone coming today because you saw we were moving to New York. So you just wanted to go film in New York with.

[Christian]

Oh, yeah.

[Caleb Hammer]

Obsession with New York. Like, I'm excited to go there, too, but this is insane.

[Christian]

You ever been to Mississippi and then go somewhere like New York? You'd understand.

[Caleb Hammer]

Why would I ever go into Mississippi?

[Christian]

That's fair. I understand.

[Caleb Hammer]

So maybe don't be in Mississippi. You have that freedom. We got 50 states to choose from.

[Christian]

It's so cheap to live there. And I get paid this.

[Caleb Hammer]

Yeah, but usually cost of living follows.

[Christian]

No, not for us.

[Caleb Hammer]

Okay.

[Christian]

Get a better job. Yeah, I need one.

[Caleb Hammer]

Well, maybe, maybe not. I'm so lucky. Or.

[Christian]

Yeah. I get a raise every 46 weeks. So I try to look in the future with that. Say, oh, the pay will be good one day.

[Caleb Hammer]

Yeah. I mean, no. People can have good careers at the postal services, and there's good benefits and whatnot, but, I mean, you're literally stealing from your child, so I don't think that's what I'm caring about. You stole 10,000 hours that you didn't even contribute to your kids so that you can go on vacation.

[Christian]

Yeah. We were actually talking about when she gets a break in a few weeks, maybe next month. We were actually talking about using the. The money we get from here and going. The reimbursement that covers your word I was looking for.

[Caleb Hammer]

That covers your travel to get here.

[Christian]

Yes. That's why I went so cheap today, so that we could use it to go back to New York.

[Caleb Hammer]

You're going a fifth time this year.

[Christian]

Yes.

[Caleb Hammer]

I get your savings down, too.

[Christian]

My savings. I put $1,000 in there. And that's his savings. His savings is. Oh, it says zero.

[Caleb Hammer]

So the reimbursement, that is a flat rate because, you know, some people, we just don't want people to abuse it. It's meant for people like you that are traveling in to cover the full cost.

[Christian]

Yes.

[Caleb Hammer]

And you're just gonna go to New York with it, which, by the way, you're probably gonna spend more money anyway.

[Christian]

Yeah, but who else gets a chance for a severely discounted New York trip?

[Caleb Hammer]

Discounted meaning you're still spending money that you do not have. Well, you have not contributed back to your kid savings account. If the. Let's do a little bit of math. Do you know what the kid. It's so. This is so stupid. Why would you do this? That's so selfish. I would never do. This is one of the more. Can I be honest, One of the more disgusting things I think I've seen. If this was just in the overall market and the market these days, I mean, we're more compounding in the last few decades, like almost 13%, but I'll do 10%. Let's talk S&P 500. You know, since it's started, since it's, you know, until today. Don't even, don't even put anything else in it. The kid going up to 18, where he could use it as a college fund or pull it, pay a little bit of taxes and start a business or down payment on a house or, you know, start his life in a really strong way. So that's going to be in 14 years, $10,000. 10%. That would have been $40,000. There you go. Boom. That's the cost of college right there. That's the cost of real good college.

[Christian]

Yeah, I actually.

[Caleb Hammer]

40,000. That's what I borrowed for college.

[Christian]

Yeah. I had a Roth iron six years to grow in the market, but I cashed it out to pay for debt from going to New York.

[Caleb Hammer]

Debt to New What. How does everything stem from going to New York with you?

[Christian]

I like to travel. I like to travel like.

[Caleb Hammer]

You like to travel to New York?

[Christian]

Yes. That's my favorite place to go right now.

[Caleb Hammer]

Yeah. I mean, it's the biggest. The country. I get it. It's. I'm sure it's fun. It's such a dense walk shift. It's a lifestyle shift. And for some reason we don't build other places like that in the United States. I really don't understand, but.

[Christian]

Oh yeah, I wish I'll never have that in Mississippi. Every time I come back, anything I.

[Caleb Hammer]

No offense to Mississippi, but it's like that's not the place to like, if I'm not mistaken, you know, Alabama's not great, but don't they usually lead analytically? Compared to Mississippi, I rather. Isn't Mississippi just like the down.

[Christian]

I'd pick Mississippi over Alabama.

[Caleb Hammer]

I'm sure you would. Patriot of Mississippi. But I like, like, I don't get it. I don't get it back. What's. What the. Is a box a Lukey. Where are you from?

[Christian]

Biloxi.

[Caleb Hammer]

I found it. It's on the coast.

[Christian]

Yes.

[Caleb Hammer]

There's a lighthouse.

[Christian]

There is a lighthouse.

[Caleb Hammer]

Wonderful. It has a lighthouse.

[Christian]

Yeah.

[Caleb Hammer]

Just looks like a normal little small town, right?

[Christian]

Yeah.

[Caleb Hammer]

Very good.

[Christian]

Yep.

[Caleb Hammer]

There's a casino. Wonderful.

[Christian]

All those. Yeah, there's like six or seven of them. All those little towns right there kind of make up one big city.

[Caleb Hammer]

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[Christian]

Usually when we rode. We go to New Orleans a lot. We're actually going tomorrow for a family day. My mom, me.

[Caleb Hammer]

Not a day. He is. Do you work?

[Christian]

I do. I took off. I took off.

[Caleb Hammer]

How much have you spent on vacation this year? Do you even know?

[Christian]

Oh, if I had added up, I'd probably say North Of 15,000. Usually All Debt.

[Caleb Hammer]

No, Not All Debt. You Took 10,000 Out for your.

[Christian]

Yeah, well, that was for a different vacation. That was for the one, the two week vacation. I'm just trying to make memories.

[Caleb Hammer]

That's wonderful.

[Christian]

I treasure his younger again.

[Caleb Hammer]

Yes, I would too. Oh, you're gonna treasure every year. You're gonna want to make more memories when he's older too. And he can do more. The thing is, what the is the kid doing in New York anyway?

[Christian]

I push him around a stroller. He likes to go play. He likes the buildings he likes to file on the airplane. He finds it exciting.

[Caleb Hammer]

Fly on the airplane, then fly.

[Christian]

I'm sure he likes that. We eat out too.

[Caleb Hammer]

Because you can eat out anywhere. You can fly anywhere. There are buildings in other places. Chicago's 10 times cheaper.

[Christian]

Chicago's actually one of the ones that's on the future list. We want to do New York during Christmas vibe, you know, after, maybe after Thanksgiving. So get that little Christmas.

[Caleb Hammer]

Do a follow up with him there. Yes, early follow up.

[Christian]

I look forward to it.

[Caleb Hammer]

And we'll see how many times he's been in New York since then. Let me guess, it'll be like three more times by year's end at this rate. This is insane.

[Christian]

I hope so.

[Caleb Hammer]

TSP deposit.

[Christian]

Oh, yes. I took a TSP loan. TSP is my retirement to pay for debt from going to New York.

[Caleb Hammer]

It always stops. We are not able to have a conversational topic here without going to New York.

[Christian]

That's kind of been my thing for the last year and I kind of let it get away from me.

[Caleb Hammer]

Why don't you guys just move there?

[Christian]

If I could afford to, I would.

[Caleb Hammer]

But you could afford to live in an outer borough.

[Christian]

Yeah, but I went to Queen. If I'm going to be in New York, I want to be in Manhattan.

[Caleb Hammer]

Well, yeah, build up your career and do that.

[Christian]

I don't want. Yeah, but my, my pay is set.

[Caleb Hammer]

So I know you would have to switch jobs.

[Christian]

Yeah, I would definitely switch jobs. Yeah. I just, I don't know, like if I go to New York, I don't want to have to live somewhere like Queens or the Bronx. I want to live nice, you know, big apartment up in the sky. Look out.

[Caleb Hammer]

So you never work very good. Yeah, because unless you build an incredible resume and then switch them. But I don't think you have any incentive to switch from your current job where you are. So it's like I don't think you're going to be doing anything. And it sounds like that's kind of the lifestyle you wish you had anyway.

[Christian]

Yeah.

[Caleb Hammer]

So you have to sacrifice grind and then build up to that. And you don't get there by stealing from your child.

[Christian]

Borrowing buddy.

[Caleb Hammer]

You haven't put anything back. I don't want here. Is there an interest rate? Does he. Does the kid know about the loan? Does the kid know about the loan? Has he put an interest rate on it? Because he should.

[Christian]

No.

[Caleb Hammer]

Right now he's losing 10%. Right now he's losing 10% that it should be going into the market, getting to about $40,000 by the time he heads off to college.

[Christian]

Yeah, okay, I'll throw him a little interest there at the end.

[Caleb Hammer]

No, no, I don't believe you. I don't believe you because. Because here's the thing. You borrow from your retirement to pay off debt. Build it all the way back up. You do a debt consolidation or whatever, build it all the way back up. Take from your kid, build it all the way back up. There is no way in any way whatsoever you would be able to give him interest or more if you even pay back at all. Because all you're doing is endlessly trying. You're just quadrupling endlessly because you always transfer somewhere else and then build up the original debt, meaning you're endlessly doubling how much debt you have. And. Okay, great. So payroll. Was this her payroll too? Because this a.

[Christian]

If that's August. August was a unique month. It was a three paycheck month and I got back paid.

[Caleb Hammer]

Oh, wow. Okay. So even still with 7,800 coming in, which normally, again, we're about three, but. Okay, what was the outflow?

[Christian]

Everything going out, I put some of it towards my dad.

[Caleb Hammer]

Was the outflow we.

[Christian]

All of it.

[Caleb Hammer]

What was the outflow?

[Christian]

I probably spent, in fact, I guess 10,000.

[Caleb Hammer]

So an incredibly strong $7,854 came in via income. $14,554 was the outflow.

[Christian]

14.

[Caleb Hammer]

We still doubled it somehow. You had an incredible pay month and you doubled it and you didn't even pay back your kid. Wow, what a joke.

[Christian]

I did not realize it was 14,000. That's crazy. Wow.

[Caleb Hammer]

Oh, my goodness. So what have you done? What have you done to try to fix this? By the way, I know the answer because that's a leading question. As I was typed the answer. So you better tell me.

[Christian]

Well, I used the back pay towards a little bit of debt.

[Caleb Hammer]

What? Action.

[Christian]

Action I've been working on trying to not eat out as much. That's really my thing. It's not going so well. That's kind of my. Oh, you. You know, like I drive by Chick fil a or a McDonald's. You know, I'm from Mississippi. You know, we're not the known for our skinniness. So I drive by a Chick Fil A. It's like, I hear it.

[Caleb Hammer]

You're not, like, you're not fat.

[Christian]

Oh, I'm pretty big. I'm like £210.

[Caleb Hammer]

Stand up and give us a spin.

[Christian]

I'm hiding it from the. Look here. See?

[Caleb Hammer]

Okay, well, it's just cuz I'm fatter.

[Christian]

You hold me. Wear a bra.

[Caleb Hammer]

You hold it well in your face.

[Christian]

Yeah, I think that's one round. I used to be really skinny, but everyone did all these eat now and then. Having the kid.

[Caleb Hammer]

Well, here's the answer. Yeah, you weren't the one that got pregnant. Here's the answer. You begged your friend to make a budget for you.

[Christian]

I did and he did. And I did not apply anything.

[Caleb Hammer]

Exactly.

[Christian]

Well, it was so good, so what.

[Caleb Hammer]

The would I do? I'll tell you. Of course, it could be using the budgeting app. However, he downloaded dollar wise as well. And then when he saw it cost money, which by the way, every budget now does because every single account you connect costs us money. So we're not going to literally lose money off of something that we spent hundreds of thousands of dollars to build. So yes, if you pay a service that saves you hundreds of dollars a year, yes, I think it's fair to give a little bit of money. Okay. But either way, there's a free trial$wise.com to see if you like it anyway. Did you even do that? No, but then he immediately deleted it. He didn't use the budget that his friend built for him. What the can I do? You are a person that steals from your kid. That's not something I can change. You're a thief in the night.

[Christian]

I just try to take him on a. I want him to live, have a good childhood. You know, I think I'll pay him back one day. We'll get there eventually.

[Caleb Hammer]

And what, what? What here would suggest that you would for me to believe you? You spent double what came in. Double.

[Christian]

Well, I want to do better. Oh.

[Caleb Hammer]

Oh, good.

[Christian]

That's why I'm here.

[Caleb Hammer]

Shut the fuck up. Get your teeth straight. That's why you're here. You want to do better. I want to do a lot of things. That doesn't mean I'm doing them. You actually have to do in the action. You have to put in the behavior. You have to put in the discipline. I want to do a lot of things, okay? Want is nothing. Yeah, it is the action. It's the actually putting in the step, putting in a plan, putting in steps along the way that you must execute.

[Christian]

Well, I tend to do better with like a deadline. So I figured if I came on here, maybe it would kick me into gear, you know, give me a little. I severely lack discipline, but if I know there's a follow up in like six months, I might be more motivated to do better.

[Caleb Hammer]

Follow up by end of year in New York.

[Christian]

Well, yeah, maybe I can make it work. Try to budget in the New York.

[Caleb Hammer]

Trip, reimburse that as well.

[Christian]

You. Well, good to know.

[Caleb Hammer]

But you can also zoom in.

[Christian]

Oh, well, that's not as exciting.

[Caleb Hammer]

No, it's not. But there's a deadline. You wanted a deadline. There it is. Before the end of the year.

[Christian]

Yeah.

[Caleb Hammer]

Giving you three months from now.

[Christian]

Yeah. Another reason I want to do better, you know, like, we got our back pay a couple of weeks ago. You know, we case mail in the morning. We all talk to each other with. Some people are like, oh, I'm going on vacation here.

[Caleb Hammer]

Oh, very good.

[Christian]

I'm putting this in this investment account. I'm buying this, and I'm over here thinking, oh, I just got to put it towards debt. And I'm like, you know what? This isn't fun, you know, so maybe Put towards debt.

[Caleb Hammer]

You're bragging about this. Put towards debt, but he just literally borrowed from his retirement. Like, what put towards debt are we talking about? Are you obsessed with comparing yourself to your co workers? Especially in Mississippi.

[Christian]

I just felt left out, you know, like, everybody's over here getting this extra money, gonna have fun. And I've already had my fun, and now it's time to pay for it. So I put some of it towards debt, save some of the rest to go towards.

[Caleb Hammer]

Don't you want to go live that life, though? Eventually it takes a long time to be. Well, it doesn't have to. Depending on, well, what's your debt situation? How much debt do you have outside of the mortgage?

[Christian]

If I had a guess, I'd say.

[Caleb Hammer]

We don't even have the mortgage. You say there's a mortgage.

[Christian]

We didn't have a mortgage. I couldn't get into my account to pull the mortgage.

[Caleb Hammer]

How much debt do you have outside of your mortgage?

[Christian]

Outside of the mortgage, including cars, I'd say close to 90,000, maybe a little more, give or take 70. Well, I have two. I have two car loans.

[Caleb Hammer]

Something tells me we probably don't have all the debt. Oops.

[Christian]

The two car loans. Between the two car loans, the TSP loan, the other personal loan, I got to pay off debt, and my credit cards, I probably say around 80, 85.

[Caleb Hammer]

Dude, you should be living a good life. You and your wife combined should be living a good life right now. And now she's just going away to try to bail out the family, which makes no sense because you've tried to bail yourself out multiple times with consolidations, pulling from retirement all that good stuff. Credit card transfers, taking from your kid. And then you still built up all your debt again. So what's the point of her even doing this? Because your behavior hasn't changed. So if she goes and makes more money, gets benefits, it doesn't actually impact anything because when more money comes in, you're just going to spend it and increase your debt limits. Because the debt to income for the household looks better. Like the point of her doing this? She thinks she's doing a big thing. And she is. But she doesn't understand that it's actually not going to fix the root problem. Want to know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollarwise Today, you'll get six to try for free, plus three months for just $9.99. So you can finally take control and see see what your money's been doing behind your back. Click below to get started.

[Christian]

Yeah, she's been really getting on to me for that. She. We were arguing the other day and she was telling me like she has to leave her son and leave us and our dog to try to help me get out of this woman.

[Caleb Hammer]

I need to. This is like what the. She sounds like she is just being traumatized right now.

[Christian]

Yeah. She.

[Caleb Hammer]

By you.

[Christian]

Yeah.

[Caleb Hammer]

How often is she down because of you?

[Christian]

Was she just like down mood?

[Caleb Hammer]

Yes.

[Christian]

Oh, probably every day she we argue about something. She's always in a bad mood. I've kind of grown a little used to it, so it doesn't phase me too much. But you know, she says I stress her out.

[Caleb Hammer]

Wow. And this. This is gonna. There's gonna be lots of longevity in this relationship, isn't there?

[Christian]

This really screams distance. Makes the heart grow fonder. So if I don't, it makes her.

[Caleb Hammer]

Realize that she's happier.

[Christian]

Yeah. That could happen too. I hope not. But it could.

[Caleb Hammer]

She marry. I'm so confused. If she's literally down every single day. I feel like she's settled and she come on, be okay. This is going to be a brutal question, but try to answer from the bottom of your heart and from the Bottom of your brain.

[Christian]

Hit me with it.

[Caleb Hammer]

Do you think she's actually sticking around just because of the kids?

[Christian]

Potentially. I feel like she does care about me and she wants me to do better. I'm running out of energy. Yeah. The day she quits yelling at me, it's a day that I should worry.

[Caleb Hammer]

She yells at you every day.

[Christian]

Well, she did. She's been gone for a couple weeks now. I can't talk to her as much. It's more her talking to the kid on FaceTime.

[Caleb Hammer]

Dude, that's crazy. Yeah, that is crazy. The day I'm not yelling at you, you have to be worried. Meaning she yells at you every day, meaning this relationship's. And she is sticking around just for the kid. And I'm not saying she doesn't love you. She probably cares for you, but loving someone doesn't mean you're gonna be there forever. Cause that she has to love herself as well. And she's probably. She's like, this relationship's pushing her over the edge, and she might be better off alone. I don't want to see you guys break up, especially with a kid being in the household. I really don't. I want you to change this and it get better.

[Christian]

I.

[Caleb Hammer]

But I wouldn't be surprised if she would be better off right now if you weren't there.

[Christian]

Yeah, she says the same thing sometimes. She. She also gets onto me from a.

[Caleb Hammer]

Response to all that.

[Christian]

I. Like I said, I kind of just push it out. You know, I get. I get real anxious about a lot of things, and so when we're arguing, I get stressed out. I'm just like, you know, yeah, me and the kid will go visit my grandparents. We'll go hang out. We'll go do something, you know, let her cool off, come back. She's in a better mood.

[Caleb Hammer]

Dude, this is the least. This is so unhealthy. Do you not know how unhealthy that is?

[Christian]

Yeah. You know, she's Vietnamese. You know, they're a little feisty, so I figured that's just how she is. I know she wants me to do better.

[Caleb Hammer]

It's just Vietnamese. Was she born here?

[Christian]

Yeah, she's from here. Her parents aren't. We met serving sushi together at a Japanese restaurant. It's like seven years ago. It's romantic.

[Caleb Hammer]

And I'm sure she regrets every day since.

[Christian]

Yeah, she might.

[Caleb Hammer]

This kid, she loves him.

[Christian]

Yeah, I love him, too. I want to do right by him.

[Caleb Hammer]

You see a picture of her?

[Christian]

Of her? Yeah.

[Caleb Hammer]

Not the kid.

[Christian]

I got pictures of My dog and my kid. Let me see.

[Caleb Hammer]

But you don't have pictures of her.

[Christian]

I got some in here somewhere.

[Caleb Hammer]

Instagram.

[Christian]

She doesn't post. She doesn't do social media very much. You can see her in my profile picture though. That was in the Bahamas last year.

[Caleb Hammer]

She's a cutie. I don't understand. I don't understand what.

[Christian]

She's very, very fit. Very into her fitness. That's why she gets on me by my weight so much. But you know, I eat a lot, so.

[Caleb Hammer]

Have you do listen to her about anything? Like what the is this dynamic? Sometimes she probably feels like she's talking to a brick wall.

[Christian]

Yes, she has said that. I know, but you know, I feel motivated for a couple of days and then it's just like back to my normal habits and she just, it's like a never ending circle. She just gets on me, dude.

[Caleb Hammer]

But that's not good. That's not good. And listen, I'm not saying like every, every time a spouse has an issue with the spouse, they're 100% right. Obviously not. There are things where it's just like opinion based whatnot. But it sounds like you're not changing literally anything. And she's definitely valid in the financial conversation. Well, you know, you stole from your kid. That is not something you get over here.

[Christian]

Borrowed.

[Caleb Hammer]

Long term borrowing from a kid is also disgusting.

[Christian]

Yeah.

[Caleb Hammer]

From a four year old, that's disgusting.

[Christian]

Yeah, well, she, you know, she left. You know, I told you I'd do a little better with deadlines. So she's like, I want you to get this debt done by the time you're 30 because we don't know exactly when we can move to her and everything. So it's a beautiful. I'm trying to do better.

[Caleb Hammer]

It's a beautiful family, your guys's kid, like it's. This is what, you know, this is what people dream of. This is like beautiful. And you're it. You're destroying the whole thing. Yeah, destroying the whole thing. We'll put that picture in the video with their faces either blurred or not blurred, depending on the consent that we get after we film. But just the picture itself. I mean it's just like you have something beautiful and you're destroying you're them over in a selfish, disgusting way. How much did you spend going out to eat last month?

[Christian]

Mm, $700, 750. Well, last month, well, New York would be in there.

[Caleb Hammer]

I would say 1,200, $1,214.01.

[Christian]

Oh, oh, look at me. Yeah, eight now it's my thing.

[Caleb Hammer]

That's insane.

[Christian]

I told you, when I get anxious instead of like I don't drink, I don't smoke, I don't vape, I don't zen. I get like a McDouble, a little six dollar McDouble meal, some fries, some nugs, Diet coke, smooth sailing.

[Caleb Hammer]

You have to find other coping mechanisms then if that's the actual reason, like.

[Christian]

Yeah, like I eat my stress away, it's expensive. But you know, I'm kind of like addicted to the fast food at this point.

[Caleb Hammer]

No, that's as clear as day. Yeah, that's another thing that you're just, you're just like, you have to, you have to fight, you have to just, you can do it cold turkey and it for a couple weeks. Like it's like you'll crave it hard. It's not like you have withdrawals like opiates or anything, but you'll crave it extra hard, intensely. You'll crave it very hard. Absolutely. But two weeks later, that's gone.

[Christian]

Yeah, I went a week one time without eating any time, one time without eating fast food.

[Caleb Hammer]

And then my dude as a fat myself. That's insane.

[Christian]

One time, well, I grabbed some after work. I had worked 12 hours, I was tired, went through a drive through and after that it was like a relapse, you know, back into the nugs.

[Caleb Hammer]

What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best.

[Christian]

Oh, it's a zero. I took your test. Good.

[Caleb Hammer]

If you want to take that test, it is free. See where you stand, where you need to improve, where you're doing well. Take the assessment@caleb hammer.com and again, if you do not like, if you do not want to be like a guest who ends up on financial audit, you gotta sign up for my preferred budgeting app, the one that powers the show and changes tens of thousands of people's lives. The Dollar Wise budgeting app. Take your free trial [e-mail] Remember, if you sign up for the annual version, which saves you a lot of money, I'll also sign a budget friendly cookbook and mail it directly to your door. Okay. Dollarwise.com literally we have tens of thousands of active users. Become one of those. People are changing their lives and the updates that have been coming out have been incredible. So if you tried it when it first came out versus now, go ahead and give it another chance. We were adding updates every single week. It's amazing. Okay, let's get into this first document, this is the. You're lucky your credit line is high. But this balances. This balance is ridiculous.

[Christian]

Yeah.

[Caleb Hammer]

For your income. This is insane. Discover it. Tell me what's going on with this card.

[Christian]

That was my main card. You know, I put it on the Apple Pay. Made things easy, you know, go through.

[Caleb Hammer]

You're double clicking.

[Christian]

Oh, easy.

[Caleb Hammer]

You're just double clicking away. This card. Tap, tap your entire future. You paying back your kid. Double clicking away.

[Christian]

Yeah. You can even put it on the watch so it makes it even easier.

[Caleb Hammer]

Dude. $6,807.61.

[Christian]

Oh, it got up to 8,000 since I've sent those statements in.

[Caleb Hammer]

Did you even know that, Colton? No. That's crazy. That's crazy.

[Christian]

Yeah. Sometimes I take it off the Apple pay. Cause I'm like, I gotta quit using this.

[Caleb Hammer]

Take it off the Apple pay permanently. Bur I close the account. You're not a credit card person in any way whatsoever. I don't even face out a question. No, totally got up. Since you said the statements. Is insane. What's your new minimum payment?

[Christian]

Minimum? Last time I checked was around. I think it was like 80 bucks.

[Caleb Hammer]

No, it's 160 here. Yeah. And the balance is gone.

[Christian]

I. I don't really look. I just.

[Caleb Hammer]

I'll call it. You don't look, you just pay. Let's find out. Doubt. Listen. Never had a late fee before the balance went up. Before the balance went up. Before the balance went up. Minimum monthly payments only without doing any purchasing, which, by the way. Oh, you do. This took 28 years to pay off. You tell me you're giving your kid back their money that was gifted from family and friends, not you. You're telling me you're paying him back before he's 18. But this takes 28 years now, probably like 35 years to pay off if you do not purchase and. Oh, you purchase $1,276.52 of purchases.

[Christian]

Wow. I did not realize.

[Caleb Hammer]

Better be some good memories, you dick.

[Christian]

Hey, I've never had a late fee, though it gets paid. My payment history is 100% on time. I have good credit score, just bad debt.

[Caleb Hammer]

You have a decent credit score because the household income is halfway decent. And your credit line is huge on here.

[Christian]

Yeah, huge.

[Caleb Hammer]

But the fact that it is going up, you are halfway to the credit line at 8000, you. This will be 16 before you know it. And I'm sure you've gotten pretty darn close before. You've done consolidation, TSP loan and bullshit and Take it from your kids.

[Christian]

Yeah, that's usually the one I run up the most. I've paid it down a couple of times.

[Caleb Hammer]

I'm sure you have, big guy. Oh, I'm sure you have. $139.39 in interest alone. This last month you made your minimum only and then purchased a trillion dollars shoe station.

[Christian]

Oh yeah.

[Caleb Hammer]

Wonderful game exchange.

[Christian]

Yeah, I like to take my nephew in there and he'll buy Pokemon cards and stuff. And he gave you? Takes me. He gives me like it's like 10, 12 bucks usually. Sometimes 20. He'll give me the cash, make a.

[Caleb Hammer]

Profit off of him because this is only 256.

[Christian]

Oh, well, there's multiple transactions sometimes. It depends on when we go in there. We haven't been in a while.

[Caleb Hammer]

Chili's. I love Chili's Bamboo shoe station again.

[Christian]

Hey, the bamboo is for the wife. Got to keep her happy sometimes.

[Caleb Hammer]

She doesn't live with you anymore. And if she's lucky, she never will again. What is the bamboo? What? Because she's Asian, you racist freak.

[Christian]

It's like the boba tea stuff with the little boba.

[Caleb Hammer]

She's racist.

[Christian]

I don't drink it.

[Caleb Hammer]

Let's talk about how phone carriers basically rob us. They charge over 100 bucks a month for service that still drops the second you step into a basement. And we're just like accepting it. I guess not anymore. Today's sponsor, Helium Mobile is proving the big carriers are a joke. And here's the deal. Helium mobile uses nationwide 5G community built network. Think of it like Airbnb or Uber, but for self service. Everyday people help power the network, which means costs stay low without sacrificing coverage. And that is why Helium can offer plans that are radically affordable. We're talking the zero plan for free. Aaron Infinity for more data. Still nowhere near the hundred dollar ripoff from the big guys because they actually reward you for being a customer. You earn cloud points to spend on gift cards for brands you actually want. When's the last time Verizon handed you a Sephora card? Exactly. So ditch the overpriced nonsense. Headed. Link in the description below to download the Helium Mobile app and enter code. Caleb. Let's get back to the episode. You ever try to figure out if your insurance covers something? That's like playing a game of Guess who. But every answer is maybe and you still get the bill. But today's sponsor RO is making one part of it way easier. They've got a free tool. Yeah, actually free, called the Insurance Checker. You Just upload your insurance info and a few days later, RO sends you a clear report that shows you which GLP1 medications your insurance may cover. That means no guesswork, no endless phone calls, and no need to Google what does a formulary mean? And even better, you don't need to be a roam member to use it. And if you do become a roam member, they walk with you the whole way with licensed professionals on demand chat and a platform that is actually built for real humans. So if you're even thinking about getting started with treatment, start with this. Over 500,000 people have already used RO to check their coverage. And nearly half of RO members do have insurance coverage for those meds. So go to Ro Co Caleb for your free insurance check. That is Ro Co Caleb to see if your insurance covers GLP1s for free. And of course, go to Ro Co Safety for box warning and full safety information about GLP1 medications. Let's get back to the episode. That's racist.

[Christian]

I'm a Diet Coke. If I'm drinking something is Diet Coke or water, not bamboo. Hey, it makes her happy, you know.

[Caleb Hammer]

Yeah, well, she can probably afford it. You're going to get it on debt that you can't. You said she doesn't have debt. You went into a gas station and got some bull that you get in your can. Lovely Diet Coke can.

[Christian]

I usually get the fountain one.

[Caleb Hammer]

Dude, this makes no sense because even that, even though that is cheaper than most gas station purchases, you know, most people go in there, get like a $3, $4 Red Bull, but expensive than this. Dude, get on this. Get on this. There's a caffeine version energy drink or there's the hydration drink version. The thing is, you use that the gamer subs. Whatever flavor you want. There's like a trillion flavors. I'm sure they probably have a cola flavor, diet cola, whatever.

[Christian]

I don't know.

[Caleb Hammer]

Get that. It is 25 cents a serving. It is like making coffee at home instead of going to Starbucks. Do it. Get it now.

[Christian]

Yeah, I'll give.

[Caleb Hammer]

Don't be a. This is. It's as easy as day. It's as easy as day. And okay, how about this? I will get you some free samples. Everyone in the audience gets free samples at the link below.

[Christian]

Okay.

[Caleb Hammer]

And 10% off if you decide to purchase the whole 25 cents a serving tub. Okay. So find the food.

[Christian]

I'll give it a go.

[Caleb Hammer]

Do that instead of the stupid bull stopping at gas stations and getting guns. Okay, stop. Okay, sure. It's ridiculous. You Just can't afford it. Oh, you recently bought an AR15. Not really thrilled when I see a blue eyed dude buying an AR15.

[Christian]

Yeah, it was a gift to myself a few months ago. I. I've been wanting one. You know, all the crazy stuff, they just get more expensive every time something crazy happens. So I was like, oh, let me go ahead and get it. It's mount. It's mounted on my wall.

[Caleb Hammer]

Gifted it to yourself?

[Christian]

Yeah.

[Caleb Hammer]

Please tell me you're not gifting the bullets to anyone soon.

[Christian]

Oh, no, no, no. We just go up to people be.

[Caleb Hammer]

Writing messages on them these days.

[Christian]

No, no, no. We have a range up in the woods up the road and we go up there and shoot. It's free. So what?

[Caleb Hammer]

Yeah, but the AR15 and ammo is in. How much was that?

[Christian]

It was on sale. It was like 550 before tax, but I spent like 100, 200.

[Caleb Hammer]

Did I give that to your kid, you asshole? Yeah, you asshole. What is wrong with you?

[Christian]

I actually bought my brother one too, at the same time. I don't know if it's on there or not, but yeah, we got two at the same time. He couldn't do it. And I was like, you can't do it.

[Caleb Hammer]

I know you owe your kid money.

[Christian]

I know. Looking back at him like, yeah, that wasn't too smart, but I was feeling generous, you know?

[Caleb Hammer]

Oh, my, oh my. Dude, this is insane. Burger King. Burger King. You stopped it and got some bullshit for $5.55.

[Christian]

That's on my mail route. It's right there.

[Caleb Hammer]

What? Burger King?

[Christian]

I really don't like Burger King. But no one does. Speak for yourself, motherfucker. It's Burger King or Papa John's. And it's. That's not that great of options.

[Caleb Hammer]

No, it's not. So do neither. Pack yourself a sandwich, you freak.

[Christian]

I did recently learn there's a Popeyes on my route. I do like Popeyes. I deliver on military base. So I went to the other side of the base and, you know, so I'm trying not to go to Burger King anymore. I don't think anybody really likes Burger King.

[Caleb Hammer]

No, but the French toast sticks before. What, 11 are great.

[Christian]

I like the little cinnamon things, little Cinnabon. The Cinnabon is my weakness. Okay? Every time I'm in, you're gonna get fat. I'm. I'm there.

[Caleb Hammer]

You're chunky. You're not like obese. You're definitely overweight. Yeah, you might be obese.

[Christian]

Light scale, I think on the medical, like, medical terms. Yeah. I'm morbidly obese.

[Caleb Hammer]

You're not morbidly obese.

[Christian]

It says I should be, like, 155. I'm like 5 foot 9, 210 pounds. I think I have a lot of visceral fat. That's what my wife.

[Caleb Hammer]

If you're 5 foot 9, 2 10, you're obese.

[Christian]

Yeah, I'm a short king.

[Caleb Hammer]

Well, no, you're an average king, as I am. 5 9. We are the average American male in the United States. Thank you very much. Today we're finally driving the truck. 59 is the literal average. Okay, now listen here, Mr. Frodo.

[Christian]

Don't get short with me.

[Caleb Hammer]

Also, the average is 10 pounds lighter than you. So just get there and you'll be fine. And then you'll actually be overweight. Yeah, you'll go from obese to overweight at about 200 pounds.

[Christian]

At five' nine, I was 220, but I took myself off my Lexapro. It dropped me 10 pounds. I was on the. For my anxiety and stuff, and I just didn't want to take any more, so I stopped.

[Caleb Hammer]

Is your anxiety worse?

[Christian]

Oh, yeah.

[Caleb Hammer]

Okay.

[Christian]

But I don't like that stuff. It makes me feel funny.

[Caleb Hammer]

Sure.

[Christian]

I'm pretty sure there's a correlation.

[Caleb Hammer]

But, you know, if it makes you feel funny, you talk to your doctor and you find one that works with you better.

[Christian]

But then I get anxious about taking new medicine. It's just a whole ordeal.

[Caleb Hammer]

I actually. I do get that. I go through that. You stopped and got a gas station bull. $5.55 gamer subs. Get your free trial. Okay, that one's gas. The next one, I think, and then Domino's. Stopped in, got some. Stopped in, got some. Dude, this makes no sense. This makes so no sense. Frugals. But you're not.

[Christian]

Yeah, that's a grocery store.

[Caleb Hammer]

Yeah, but you stopped in and got something for 13 bucks. I doubt you got groceries.

[Christian]

Yeah, we were making red beans and rice at my grandpa's house, and I needed the.

[Caleb Hammer]

The sound. The sound.

[Christian]

Yeah, I went to see a Skillet concert. You know Skillet? They're from, like, 1996. They're still around. It's like a Christian rock band. Really good. Recommend the show. They put on a great show. My dad and I went.

[Caleb Hammer]

The Salt Sand Barbecue Panda Palace Buffet. 75 bucks. GameStop. It's a rarity.

[Christian]

Gamestop.

[Caleb Hammer]

Bayou View. Quickstop. Well, he went and got some Japanese Express. Popeyes. Well, he found it on his route. Waffle House. Stopped in and got some gamer subs $0.25 a saving serving and Jimmy John's.

[Christian]

Yeah, I like Jimmy John's. Better than the Subway.

[Caleb Hammer]

Everything is. There is not one restaurant that is not better than Subway.

[Christian]

I used to have a Subway on my route and I could eat lunch. Well, that's free.

[Caleb Hammer]

That's terrorism. Okay. That's terrorism.

[Christian]

It was awful.

[Caleb Hammer]

It's horrible. It's the worst restaurant ever created. I don't know how literally anyone goes there. Yeah. I mean, $400 in interest this year so far at the time of the statement. And we know the balance is higher now at a 25.24% interest rate.

[Christian]

Yeah.

[Caleb Hammer]

Now, if you do have health anxiety, the question is, why are we coping with fast food? Because that makes our health worse in every way. Because being fat myself. I got about £5 on you. Okay. I'm on my way down, but got about five. Okay, gotcha. Thank you. Always. Always. Yep. But being healthy decreases anxiety. It decreases, like, almost every bad mental health thing in general. Typically.

[Christian]

Yeah. The few times I try to exercise, I get my heart rate up and it feels like my heart starts skipping and I get real anxious and I'm like, nope.

[Caleb Hammer]

I know that as someone that literally goes through that, that means that that is clearly something. So what happens in that moment as the. You know, I've gone through, like, panic disorder therapy for quite a while, and I can actually recommend for someone for you if you'd like, but he's on insurance, so it works.

[Christian]

Yeah.

[Caleb Hammer]

That is clearly. You just start freaking out about that. You, like, notice that. Then you think about it, and then your mind goes to the worst of the worst. Instead of what you should be just telling yourself is, oh, this is normal. I'm working out. This is not a bad thing. I'm not in danger. And you just have to sit through the anxiety and the anxiety goes away. The only way, unfortunately, to get through a panic and attack, I'll tell you, is to literally just sit and wait.

[Christian]

Yeah. It's awful.

[Caleb Hammer]

The only way, without medicine, there is no running to go fix it. There is no fast food to go fix it. The only way to do it is to sit in and letting it go. Okay.

[Christian]

Yeah.

[Caleb Hammer]

So work out. Let the heart rate go high, and when you get anxious about it, tell yourself it's normal and there's nothing wrong.

[Christian]

Yeah, I'll give it a go.

[Caleb Hammer]

You just have to go through the process and make sure you take control of your breathing.

[Christian]

Yeah.

[Caleb Hammer]

I can get you a guy if you want.

[Christian]

Yeah, he's really good.

[Caleb Hammer]

Kessler Federal credit.

[Christian]

It's a Keesler.

[Caleb Hammer]

For some reason. Keesler. Wonderful. For some reason, he cannot figure out how to send this statement over. He may be stupid.

[Christian]

Yeah. No, when I pull up from my Keesler, that's our Federal credit union.

[Caleb Hammer]

Oh, and this also went up since you literally spoke to Colton last.

[Christian]

Well, to see this phone right here, the battery's shot, right? So I have to keep it on this thing or it'll be dead in an hour. So I got me a iPhone 17 Pro Max in the orange.

[Caleb Hammer]

Me too, because I can afford it, asshole.

[Christian]

Yeah, well, you know, I got t mobile and they give me me too.

[Caleb Hammer]

They can make me asshole.

[Christian]

Yeah, they trade in.

[Caleb Hammer]

That means you owe on it. Come on.

[Christian]

Well, yeah, but it's only like $25 a month.

[Caleb Hammer]

A month? Forever.

[Christian]

For two. Two years.

[Caleb Hammer]

Yes.

[Christian]

But I like 700 bucks for this phone and I couldn't get it like that. Selling it.

[Caleb Hammer]

Can you at least pull this up on your phone? Your special phone? Do you have an app?

[Christian]

Yeah, I can show you. I know the balance is 3,000.

[Caleb Hammer]

Show me now. You are not a credit card person. Use the fizz card. Debit card. That builds credit. That's all I can trust you with. Other than that. You need to close these accounts, man.

[Christian]

It should be like 3500 bucks.

[Caleb Hammer]

That is it.

[Christian]

It's mainly.

[Caleb Hammer]

Pull it the up.

[Christian]

It's mainly just Chick fil a. Oh, goody.

[Caleb Hammer]

And a good Southern boy.

[Christian]

My car insurance, you know, so I've been trying to, you know, pay other things. So I let the car insurance charge to that card and I just pay the minimum.

[Caleb Hammer]

I get it. Chick fil a is good. Get the grilled sandwich. It's better for you.

[Christian]

You could take it off the charger if you need to. It's just. It has about an hour and It'll be dead.

[Caleb Hammer]

$3,574.83. That is what is owed on here.

[Christian]

With a minimum, should be like 90 something if I had to guess.

[Caleb Hammer]

Well, you couldn't guess the last one, so I don't think I believe you.

[Christian]

If you back up one screen, you back up and then scroll down. I think my mortgage just pulled out there too. Keep going. Yeah.

[Caleb Hammer]

This one.

[Christian]

Yeah, it should say a minimum down there under the 92.

[Caleb Hammer]

You were actually somehow right on this one and horribly wrong on the last.

[Christian]

I pay them all. I just don't look at them because they change each month.

[Caleb Hammer]

Okay, Chick fil A today?

[Christian]

Last night. It's just pending.

[Caleb Hammer]

What about your kid? Is he not eating everything you eat.

[Christian]

Oh, no, he wanted Chick Fil A. He loves the spicy matter.

[Caleb Hammer]

What he likes though, it doesn't. Or what he wants. It's your kid. You want him to go down that same health situation as you.

[Christian]

Yeah, I've thought about that. He's just. He's at that age where he's so picky and like, he'll literally not eat if I don't get him. You may have to scroll back up. I got a.

[Caleb Hammer]

Where's the screen recording?

[Christian]

I can add it on there for you real quick if you want. They. I got a cheap screen put in this thing. I think that's what fried the battery in it.

[Caleb Hammer]

Got a cheap screen put in?

[Christian]

Yeah, because my screen went out like six months ago and I went to the guy at Walmart and he.

[Caleb Hammer]

At Walmart, Not Apple.

[Christian]

No, because Apple was $330.

[Caleb Hammer]

You didn't have Apple Care.

[Christian]

No, because I don't. I don't ever get Apple Care.

[Caleb Hammer]

Well, have you learned your lesson?

[Christian]

Yeah, because he put an LCD instead of the OLED and it's ruined that phone.

[Caleb Hammer]

And now because you didn't get AppleCare, you're getting a 700 chick fil A. Chick Fil A. Chick Fil A. It's every day, by the way, their State Farm Chick Fil A. Mississippi Emergency.

[Christian]

Oh, yes. I actually ended up in the emergency room a few weeks ago. I have real bad sinusitis is what the doctors told me in my sinuses.

[Caleb Hammer]

Call me sinusitis.

[Christian]

That's what they called is. My sinuses are all inflamed.

[Caleb Hammer]

But is this contagious asshole?

[Christian]

No, no, no, no, no. It's a. It's more of like a long term thing I just have to deal with. It's like allergies really bad. They put me on a bunch of meds and. But I was so short of breath.

[Caleb Hammer]

I know you love those, so they made me sure you weren't having a panic attack.

[Christian]

No, I'm sure. Okay. I can usually tell the difference.

[Caleb Hammer]

Chick Fil A. Chick Fil A. Well, that's usually the thing is you can't. That's why it's on.

[Christian]

Chick Fil A is the one. I have that card linked to the app.

[Caleb Hammer]

Delete the app. Delete the app.

[Christian]

Yeah, I think about it, it's like McDonald's. I've deleted the app probably a hundred times. And then when I want throw away your phone, I just redownload it. It t mobile actually downloads it quick. So, you know, if I get off Work. I'm like, oh, I want it. I deleted it. I just. It's ready by the time I get there.

[Caleb Hammer]

Oh, we love Chick Fil? A more than our kid. That's great. Chick Fil? A. Chick Fil? A. Chick Fil? A. Chick Fil? A. Chick Fil?

[Christian]

A. Chick Fil? A. I don't really use that car. That's why. That's all you see.

[Caleb Hammer]

Yeah, you don't really use it. Chick Fil? A every day. Shut the up. This is insane. Chick Fil?

[Christian]

A.

[Caleb Hammer]

Let. Let's. Let's see what else is going on here while we're on here.

[Christian]

Go ahead. Oh, okay. Before you go through those. I'm on the same account as my mom. The only subscription.

[Caleb Hammer]

Apple Music, Google Photos, iCloud+NET short.

[Christian]

The only subscriptions I have on there is.

[Caleb Hammer]

Yeah. When you deleted a dollar wise, you.

[Christian]

Yeah, well, yeah. Really laggy. I talked. When I talk to Colton. Yeah. He said y' all fixed it. So I actually redowned with.

[Caleb Hammer]

We fired our whole external team that essentially built it, and we bought them out, and now we bought in, like, top players from the budgeting app field. We stole people. We're on track to make the best.

[Christian]

None of those are gonna be mine. It's just music and the Google Photos for my. That's right. Back up all the pictures of my kid, my dog, and my wife. Can't forget her.

[Caleb Hammer]

She's last.

[Christian]

Oh, okay. And with that Amazon app, there's about eight of us that use it. So just a heads up. How do I know I can tell you which ones are mine? If you see all the phone cases that are returned.

[Caleb Hammer]

So you're just buying phone cases? Oh, I bought a passion hobby.

[Christian]

I couldn't decide. I returned them. Got a different one.

[Caleb Hammer]

Okay. I don't know.

[Christian]

Yeah, we all split the Amazon account to save the money on paying for the prime. But I hear they're talking about changing that to where it can only go to one address, so that might mess that up. I saw it on Facebook the other day. Don't know if it's true.

[Caleb Hammer]

I would not trust what I see on Facebook.

[Christian]

It's kind of like Netflix, how you can only sign in on.

[Caleb Hammer]

Yeah, but that doesn't make sense. I order things to the office. I order things at home.

[Christian]

That's what we said when we were talking about it in our group chat.

[Caleb Hammer]

It's always good throwing Facebook information around in a group chat. It's always very reliable.

[Christian]

Yeah.

[Caleb Hammer]

Disney Rewards. Well, you said you went to Disney, right?

[Christian]

Yes. I got that one last year to get a discount on the park tickets. Uh huh. It's easy to get them because my credit was around the eight hundreds at the time. I think when I bought my Tesla, it was at 800.

[Caleb Hammer]

You have a Tesla?

[Christian]

Yes, I have a Tesla and a truck.

[Caleb Hammer]

What?

[Christian]

Well, they're both in my name. One's for my wife, one's for me.

[Caleb Hammer]

Which one?

[Christian]

The first Tesla is hers and then first Tesla. I had bought me a Tesla before I bought my truck. And after like three weeks I was like, I don't like this thing. So I traded it in and got my truck.

[Caleb Hammer]

Which one?

[Christian]

I got a Model 3. I think I was a little.

[Caleb Hammer]

You didn't like the Model 3?

[Christian]

No, I was a little too big for it. It was a little tight. I love her Model Y. That's what she has. It's in my name and I pay for it. But it's her car.

[Caleb Hammer]

You pay for it?

[Christian]

Yes, I pay both the car payments because she pays for the daycare.

[Caleb Hammer]

Okay, this is so weird. $2,632.42 on here. Minimum payment. $66. 10 years. Minimum payments only without purchasing. Oh, we purchased. Oh, baby. We purchased $1,341.40 or $40.61 of interest accrued. That's just moronic.

[Christian]

So what's.

[Caleb Hammer]

So you opened this to go to Disney?

[Christian]

Yes, I used it.

[Caleb Hammer]

How much did Disney cost last year? Cause that's not what we're spending on now.

[Christian]

Well, the cruise actually was free on that cruise, so we went to Disney the week before. So my. All my expenses from that trip were just from New York and Disney. The cruise, I only spent $50 the whole cruise because it was all comped out from the casino. So Disney. I probably say two grand between eating and snacks. And of course my kid had to get toy, you know.

[Caleb Hammer]

Yeah, because you listen to him for everything and then drain all his savings. That's wonderful Great parenting. Japanese Express. Santico's Grand Dib. Jimmy John's. Whataburger. Going in and getting some bullsh Water Burger. Kat's Delicious. Tony's Pizza.

[Christian]

Cat's Deli. That's in New York.

[Caleb Hammer]

Hot pot.

[Christian]

Have you been to New York yet? Okay, when you go, you got to go straight to Cats. It's.

[Caleb Hammer]

I've heard of it. It's Pastram Ding Dai Fun.

[Christian]

Then Typhoon.

[Caleb Hammer]

Careful.

[Christian]

Yeah, you got to go there too. It's great.

[Caleb Hammer]

Hold on. That was almost racist. Raising canes. No, we love racism, don't we? You do here from Mississippi.

[Christian]

I'm not.

[Caleb Hammer]

I'm a fake. I like it.

[Christian]

My kids 50. 50. I'm not racist.

[Caleb Hammer]

Did you just pull. I have a black friend on me.

[Christian]

I have a few. No, I don't. I don't do color, man. Everybody's equal. Had to clear that one up.

[Caleb Hammer]

He doesn't do color.

[Christian]

Look, I'm from South Mississippi, not North Mississippi, okay?

[Caleb Hammer]

That means nothing.

[Christian]

There's a very big difference. If people from there, they'll understand.

[Caleb Hammer]

What about the gays? You probably hate the gays.

[Christian]

No, I got nothing against gays.

[Caleb Hammer]

I hope not, because Colton's a gay right next to us.

[Christian]

No, that don't bother me. It doesn't affect me. So it don't. I don't even think about it.

[Caleb Hammer]

Colton, do you feel homophobia coming from him as radiating homophobe?

[Christian]

No. Okay.

[Caleb Hammer]

You've been given the pass.

[Christian]

Appreciate it.

[Caleb Hammer]

Not yet.

[Christian]

No, no, I don't judge people for that stuff. I promise. I promise.

[Caleb Hammer]

Quicksilver.

[Christian]

What's going on with this Quicksilver? I haven't used it as much in a while. I. I got the saver one right.

[Caleb Hammer]

That's why instead of spending fifteen hundred dollars on this card like all the other cards, he only spent 256.

[Christian]

Yeah, I don't use it as much. I gotta put something on there because you gotta.

[Caleb Hammer]

I just gotta.

[Christian]

It can't. It can't. You know that I was always told to use it for something.

[Caleb Hammer]

No, that way you cannot spend on it for at least a few months and you'll be fine.

[Christian]

Okay. Yeah, I didn't want them to just randomly close it one day, you know, and shut me down.

[Caleb Hammer]

Dude, I want you to close all your cards. You can't be trusted with them. Yeah, it'll you credit, but you already have a house anyway, so why do you care? And the thing is, it doesn't matter because this is a tool. Credit cards are a tool. But let's say it's a hammer. A hammer's meant to put in a nail, Right? Put a nail in. But if every time you use that tool, you're swinging back and hitting yourself in the eye. Don't pick up a hammer. You can't use credit cards. You're not a credit card person, dude.

[Christian]

No, I'm not. I used to be, but that's a long time ago.

[Caleb Hammer]

And that doesn't matter then. Cuz if you were a piece of a long time ago, but you're not now. I also wouldn't judge. Yeah, I judge on what you're doing today. And what you're doing today is six years. This is the shortest year years to pay off a credit card, and it's six years.

[Christian]

I just. I. I don't even know what's on that one.

[Caleb Hammer]

And you tell me you're gonna put back in money for the kids.

[Christian]

I will.

[Caleb Hammer]

In what way? Through everything we've looked at so far, and we're not done yet.

[Christian]

I gotta do this snowball. Start with the small ones and build it up.

[Caleb Hammer]

Okay, great. You know the snowball method exists. I'm thrilled. In what way? Through everything we're looking at suggests you're gonna ever pay him back. By the time these are paid off, you've spent on every single one. The longest one takes like 35 years to pay off. In what way are you telling me you are gonna put money back in his account, which should be about $40,000 by the time he is 18 and 14 years?

[Christian]

Yeah, no, I may have to stop at some point, pay the minimums, and just pay him first just to make it right.

[Caleb Hammer]

Because it wasn't your money to begin with. You didn't put it there.

[Christian]

Your family and friends, only about half of it. I'd say half was from me, half was from them over the years.

[Caleb Hammer]

Lucky he has mother.

[Christian]

Yeah, she's a good mom.

[Caleb Hammer]

Yeah, sounds like it. She's going and signing up for the military to get free schooling and everything just to take care of her family. Because her husband won't.

[Christian]

Yep. That's what helps motivate me to do better. It's my goal. I want to do that.

[Caleb Hammer]

My motivation would be I want to make sure she doesn't get by a dude on the base, which always happens.

[Christian]

Hey, if a tree falls in the forest and nobody sees it, did it really fall?

[Caleb Hammer]

Is that the conversation you guys had? You're okay with having sex?

[Christian]

No, I.

[Caleb Hammer]

Are you guys open? Open's okay if it's established.

[Christian]

No, but, you know, I just. Happy wife, happy life.

[Caleb Hammer]

You're okay with her getting.

[Christian]

I wouldn't say that specifically, but, you know, I'd be, like, upset, obviously, but, you know, I'm so down in the dirt with her, you know, I wouldn't. I wouldn't be surprised. Oh, she's gonna kill me.

[Caleb Hammer]

That's crazy.

[Christian]

No, she really wouldn't do that to me. But she said maybe.

[Caleb Hammer]

I don't know.

[Christian]

No, her. She would never do that. She. She said when she quits yelling at me is when I should worry.

[Caleb Hammer]

Yeah, we heard that one already.

[Christian]

Yeah, she's still Yelling.

[Caleb Hammer]

But she's not there anymore.

[Christian]

Yeah, just a few weeks ago.

[Caleb Hammer]

Have you cheated?

[Christian]

No, I will never cheat.

[Caleb Hammer]

She's so nonchalant about this.

[Christian]

No, no, no, I'm not. I don't cheat. Never. Never have, never will. I do love her. I want to do better. I want to do right. Don't I know.

[Caleb Hammer]

Put any action in.

[Christian]

Yeah, I'm going to. Hi.

[Caleb Hammer]

Listen here. Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below the first one I've moved my investments to Webull do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three automate your investing with acorns usually sign up incentives are only five bucks but you get $20 with my link number four, you can increase your income and boost your resume with a course career certification. 5 if T Mobile is good in your area, switch to Helium. Get a literal zero dollar a month phone plan for the same exact service. But most importantly go get your free Hammer financial score and see where you stand in the world of finances. Take the [e-mail] youm will not regret any of these change your life today. It's like okay, that means nothing. You've done nothing. That means nothing. Saying I'm going to do something but you never have or put any kind of like if there was a behavioral change of indication that I'm seeing in here that would suggest that you'll go further down the change of be like okay maybe. But no this was all dude, this is a you stole from a 4 year old. Come on. Barred you long term borrow 27 hour minimum payment balance 960 borrowed is borrowed. If you pay back, you're not paying back.

[Christian]

I will eventually.

[Caleb Hammer]

I don't believe that based on this. I really don't. $256 of purchase 75 cents. Let's see interest charge $18.31 he had a service fee on here for utilities.

[Christian]

I think because you put it on a credit Card?

[Caleb Hammer]

Yeah, when you put it on a credit card.

[Christian]

Right. I don't do auto pay for anything, so I do Spirit Airlines. Spirit, yeah, that's probably New York Travel Guard Group.

[Caleb Hammer]

It's cheap at a 24.24% interest rate. Capital One Saver Card. What's going on with this?

[Christian]

They just. They sent me a promotion saying I could get it. I was like pre approved. It's got a little bit better cash back than the quicksilver, so.

[Caleb Hammer]

Dude, you are. You are not making that math work at all. Cash back? What are you talking about? You were losing so much more interest than any cash back. Yeah, at best you're getting 5%, but you're still losing 25% spent on interest.

[Christian]

I see that now. I figured that out recently. I used to just look at, you know, cash back not a few weeks ago. You know, I really started looking at the bigger picture.

[Caleb Hammer]

I'm also being told you spent a ton on like figurines, collectibles, Pokemon cards, lightsabers.

[Christian]

Yeah, back in like January, you know, I was feeling anxious. You know, I like spending money and stuff. So I went on a. Well, you know, I have a three bedroom house.

[Caleb Hammer]

Goodness, we only use two of them.

[Christian]

Pause. Go ahead. What does that say?

[Caleb Hammer]

You guys even see this?

[Christian]

Does that say ebay on there?

[Caleb Hammer]

It's all McDonald's. There is not one in here that is not McDonald's.

[Christian]

Okay, 90% of that, ladies and gentlemen.

[Caleb Hammer]

This is insane.

[Christian]

That's the one I put on the app in my old. I had a different route. It was right next to McDonald's.

[Caleb Hammer]

So most keep telling me about the cards or whatever your. Your nerdy. We'll get back to this.

[Christian]

Well, I have a third bedroom in my. That we weren't using. So I made it into my office. And so of course I wanted to deck it out.

[Caleb Hammer]

He's a service person, by the way. Yeah, he needs an office.

[Christian]

Yeah, that's just what. It's really my man cave. But it sounds more official when you call it the office, you know, so I have, you know, Darth Vader helmet on the shelf, bunch of lightsabers, my hero figures, some Pokemon cards. I got rid of a bunch of them because they just weren't doing it for me anymore. I got bored of them, so I sold them. But I kept a few of them, you know, I got.

[Caleb Hammer]

What did you spend on this bull?

[Christian]

I'd say about two grand if I had a guess. But it was really condensed. It was back to back. It was like a kind of like a Month of just, like, let loose and just ebay.

[Caleb Hammer]

That's insane. Two thousand and a couple months for all this that you don't even care about anymore.

[Christian]

Yeah, I got rid of some of it, but most of it's still on there.

[Caleb Hammer]

How much have you gotten by selling?

[Christian]

I probably got about 8, 900 of it back. Still negative, but, yeah, better than it was.

[Caleb Hammer]

Oh, alrighty. McDonald's. McDonald's. McDonald's. McDonald's. McDonald's. Mcdondonald's. McDonald's. McDonald's. McDonald's. McDonald's. McDonald's. McDonald's. McDonald's, McDonald's. McDonald's. McDonald's. McDonald's. McNovern's. McDonald's. Mcdocon's. McDonald's. Mcdownon's. McDonald's. McDonald's. McDonald's. What the.

[Christian]

A lot of that's Diet Coke. And it's more than just Diet Coke.

[Caleb Hammer]

There are more prices in here again and again. 25 cents a serving. You.

[Christian]

Yeah, well, they do double points for breakfast. So I would. You know, I get breakfast four days during the week, get the points, and then on, like, day five, I get a free biscuit. You know, over the course of the week, it kind of breaks it down a little bit, makes it a little cheaper overall. But, yeah, most of it's breakfast. Some of it's not. I'm a sucker for the McDouble meal. There's probably another page to it.

[Caleb Hammer]

Insane. There's not. Okay, but that's crazy. That is insane. As a McDonald's fat lover myself.

[Christian]

Yes.

[Caleb Hammer]

And oddly enough, my girlfriend's fit, very sportsy, and we like good food, but her literal favorite restaurant is McDonald's. Like, I get it, I get it. But this is insane. This is every day. That is one. Once a day for the entire month. That is insane. I've never seen anything like that in my life. What the. What are you. Because you spent also money going out to eat that same month on multiple other cards as well. You're eating out multiple times a day. You're stopping drinks, you're around. This is crazy.

[Christian]

Yeah, some of those are, you know, like I said, some of them may just be a large fry or just a diet card, Coke, but it's insane.

[Caleb Hammer]

It is still money, still calories. It's still bad for you. You don't have. Yeah, it's up. Your. Your debt, your. What was it? $70,000. None of it was an asset.

[Christian]

No.

[Caleb Hammer]

Or at least accruing asset. Promise you your Tesla. It isn't.

[Christian]

Oh, no, definitely not. It's definitely gone. Down in value. I looked at the Carvana thing a few weeks ago because she's leaving so she doesn't need it for a while.

[Caleb Hammer]

Yeah, I. I love it, but it's.

[Christian]

Too underwater to get it.

[Caleb Hammer]

I love my Tesla, but they go down in value quite a bit quick.

[Christian]

Yeah, they definitely.

[Caleb Hammer]

You have to get it as a want and just treat it as a toy.

[Christian]

It's a great car, but it's. It's just.

[Caleb Hammer]

You're the first one to say that on this show, by the way.

[Christian]

I love it. I. If I should have just bought me a Model Y when I did, but that three was just. It, wasn't it? I didn't even have people like to.

[Caleb Hammer]

Hit on them who haven't driven them. And I don't give a about the politics around it cuz a lot of people trying to make it about.

[Christian]

Just plug it up at night and it's ready to go in the morning. Preach.

[Caleb Hammer]

You can't afford it. She actually probably can, but.

[Christian]

Yeah. Yeah, she's talking about taking over the payment now that she's in the military. Help me put that. Cause it's five.

[Caleb Hammer]

What is this?

[Christian]

That looks like.

[Caleb Hammer]

What am I looking at here? Principal balance. Of what? A Discover payoff schedule.

[Christian]

Oh yeah. I took a personal loan with Discover back in like January or February to pay off my Discover credit card.

[Caleb Hammer]

Yeah, the one that's at $8,000.

[Christian]

Yeah, I ran it back up. It was stupid of me. Yeah, I. And you know, I thought I was being smart because I put it on a couple like two years or three years.

[Caleb Hammer]

I think everyone in Mississippi thinks they're being smart.

[Christian]

Yeah, I've heard that one before. But you know, I thought I was.

[Caleb Hammer]

We love Mississippi here.

[Christian]

I thought I was. I will never step foot.

[Caleb Hammer]

We love them.

[Christian]

Oh, come through on the coast. It's not that bad. It's really nice like Ocean Springs is.

[Caleb Hammer]

You know, there's a lot of coast to choose from in the United States.

[Christian]

Yeah, I know, but it's like a nice little.

[Caleb Hammer]

That's the coastal choosing.

[Christian]

Yeah, it's not too bad.

[Caleb Hammer]

Not too bad isn't the review I want.

[Christian]

I wouldn't live there if I was you, but I would visit California.

[Caleb Hammer]

We have Washington, Oregon, New York, South Carolina, North Carolina, Charleston, Florida beaches. Miami, Galton. Like what are we doing? Corpus Christi, South Padre Island.

[Christian]

Yeah, it.

[Caleb Hammer]

Traverse City, Michigan. Chicago.

[Christian]

Yeah. I went to Myrtle beach once. It was nice.

[Caleb Hammer]

Myrtle beach is the city I've ever been to in South Carolina and I've been all around South Carolina. That's that was our vacation spot when.

[Christian]

That was like 10 years ago.

[Caleb Hammer]

Myrtle beach is a hole.

[Christian]

Well, the beach is not. Our beach is awful. We have barrier islands.

[Caleb Hammer]

You're really selling it?

[Christian]

Yeah, it's nice. If you're from there, you'd understand.

[Caleb Hammer]

No, Charleston's great. Myrtle beach, that hill on that island. That's great. Okay, this is insane. What's the interest rate on that?

[Christian]

This, I want to say it's close to 10%. I did a shorter term because I was like, oh, I'm going to get this paid off and do better.

[Caleb Hammer]

Yeah, that's great, cuz. Now this is like you.

[Christian]

It's like almost $400 a month. Yeah.

[Caleb Hammer]

I don't know how you're affording this. It's three 95, 88 cents a month with minimum with the balance being $9,842.53.

[Christian]

Yes. I was working a second job just to pay that.

[Caleb Hammer]

Really? What was it? Why'd you stop?

[Christian]

I was working with my wife at the Japanese restaurant she used to work at.

[Caleb Hammer]

Oh, that's what she did right before signing up.

[Christian]

Yeah, she was a server. And then.

[Caleb Hammer]

Okay, she is taking a big jump.

[Christian]

It was right across the street from my post office. So I would just go there after work some days and work. But they hired a couple extra people and so there weren't that many shifts. So I was working like once every two or three weeks. So it wasn't worth the trouble.

[Caleb Hammer]

No offense. I wouldn't be getting sushi from you.

[Christian]

Oh, I didn't make it. I just give it to you.

[Caleb Hammer]

I would be very disappointed.

[Christian]

Yeah.

[Caleb Hammer]

Now she pulled up, I'd be like, I trust this.

[Christian]

Yeah. I'm just a fat white guy serving sushi.

[Caleb Hammer]

This is ridiculous, man. And, yeah, it's all going to.

[Christian]

This is.

[Caleb Hammer]

Yeah, the interest is heavy. Okay. Ford Maverick.

[Christian]

Yes. That's my truck. That's when I got rid of the Model 34 they were having. I got off work. I was driving to pick up my car.

[Caleb Hammer]

Oh, so two electrics.

[Christian]

It's hybrid.

[Caleb Hammer]

It's hybrid. Okay.

[Christian]

I don't have to plug it up.

[Caleb Hammer]

Minimum.

[Christian]

It's a little truck.

[Caleb Hammer]

Minimum monthly is 550.

[Christian]

I pay 550. It's like 525.

[Caleb Hammer]

Well fee. 525, asshole. You need to prioritize where money's going. 525. What's the interest rate on this?

[Christian]

I want to say it's close to 9%. My credit union, see, I got the. We had a Honda Civic that we had for, like, five years. Yeah, it had a big electrical issue, and it was like six grand to replace it. So I was like, no, that doesn't.

[Caleb Hammer]

Mean we go get a 32,000 hour car. Well, you owe $31,992.93.

[Christian]

Well, I would have had to put that on debt, like a credit card, because I didn't have the money to pay for the repair, and it was more than the car was worth. So I found that Model 3. It was only 22 grand. It was a lower payment. The insurance was really high. But after, like, three weeks, I just hated that car. It was awful.

[Caleb Hammer]

Too small for you.

[Christian]

So I went. I passed by them on the way to get my kid, and I saw they had the Maverick because they sell really fast because they're cheaper than, like, the big trucks. And I went back and forth with them for about four and a half hours. I ended up getting all the money back for the Tesla and my trailer.

[Caleb Hammer]

This guy. Come on. What are we talking about here? What do you think this car's worth?

[Christian]

About 28, 29,000.

[Caleb Hammer]

26. By the way, we've done the check. You owe $31,992.93 with a minimum payment that you can barely afford. 525. Like, what are we doing?

[Christian]

Yeah, my whole thing was the Tesla, you know, the. The payment was lower, insurance was higher. So I was like, oh, this payment is higher. The insurance is significantly lower. So it cost me almost the same each month. And then it had a lifetime. It has a lifetime warranty on it. Unlimited. And I got the employee pricing for it.

[Caleb Hammer]

Yeah. And again, you're underwater by 5,000. So, like, stop with these.

[Christian]

Oh, it's brand new.

[Caleb Hammer]

It's not working. Yeah, so it'll always be undervalued. You're gonna be. It's a depreciating asset. It's just gonna keep going down. Okay. Kessler. Keesler. Keesler, yeah, Keesler. So what's. What's this? Wait, this is your checking? Where's the other car loan?

[Christian]

They're ones with Ford.

[Caleb Hammer]

Were you not able to give me the Tesla one?

[Christian]

The Tesla's with Keesler.

[Caleb Hammer]

It's with Keesler.

[Christian]

My Maverick is with Ford.

[Caleb Hammer]

Oh, here she is. Model y.

[Christian]

She's a 20, 21.

[Caleb Hammer]

Yeah. Model years don't matter as much on those, but, yeah, every once in a while, every few years, there is a jump. Okay, 26, $975.63 at a 6.1% interest rate. Now they're. I mean, the minimum payment is 578.67.

[Christian]

Yeah.

[Caleb Hammer]

Like now we're over a thousand hours in minimum payments. When you bring in three.

[Christian]

Yeah, just the two cars. Since I got a little.

[Caleb Hammer]

What do you think this is worth?

[Christian]

I put it in Carvana to see if they would buy it because she was leaving. She was like, if we get rid of it, we can save the money, put it towards other debt. And they offered 19. I think I owe like 27.

[Caleb Hammer]

27.

[Christian]

Yeah. So I was good. I'm not. I can't afford to take that big of a hit.

[Caleb Hammer]

Yes, you can.

[Christian]

Well, if I have to get a personal loan.

[Caleb Hammer]

Yeah. Well, yes, do it. Then we focus on paying that off. We put it in the snowball. What do you mean you just got. You just got 19,000 towards your debt? Of course we're doing that. That's not an option. Of course we're doing that. That's not a option, dude.

[Christian]

Yeah, I just don't know when she. She is going to be at least four months, but I don't know when she'll need her car again.

[Caleb Hammer]

Oh, well, what did she say? Did she say so?

[Christian]

Well, she was fine with it because she was like, okay, we sell it now, we get out of debt, you move to us later, eventually we'll get something.

[Caleb Hammer]

But you don't know where she's going to be deployed anyway.

[Christian]

We don't. Yeah, we don't know. And she was kind of hesitant to let her car go until we had.

[Caleb Hammer]

A bigger okay, then maybe we don't yet. I don't know. That's an option we're holding because if.

[Christian]

I have to turn around, buy something right away and I just took out another person.

[Caleb Hammer]

Yeah, a thousand in your savings, not your child. Well, let's go to the checking.

[Christian]

Yeah, put that in there as backup.

[Caleb Hammer]

Okay, here we go. You win. $100. 50 cent coke, 25 cents a serving. Yeah, I don't want to hear it anymore. There's no more excuses. There's no more excuses for that kind of. Right. Like we. Like. This is the sandwich. We talk about brewing coffee. Now we have the energy drink version of the hydration drink version. I don't want to hear it anymore. Same. You went in, you got some bull. $5.56 that time. You zelled out 15. We got more McDonald's withdraw from the ATM, 200 Popeyes, Burger King, Wendy's went in, got some Wendy's, went and got some BS atm. We charged $203. Who knows where the that went when I got some BS556.

[Christian]

Probably daycare. Daycare is 140 a week.

[Caleb Hammer]

So is this a joint check in? Because you said she's paying.

[Christian]

She'll transfer. Our accounts are linked, but they're not one account. But we can send money back and forth without any trouble.

[Caleb Hammer]

Cash app 65. I went in, got some bull 556. Looks like you're also getting a drink and a snack. Cuz you repeat that same purchase over and over again.

[Christian]

The gas station.

[Caleb Hammer]

Yeah. 556. I've seen it multiple times. You don't even know. You do it every day and you don't even know.

[Christian]

Sometimes I get some water bottles because I work outside. I need a brace.

[Caleb Hammer]

Buy in bulk. You?

[Christian]

I. I buy them in bulk at home when I bring my lunch. Pack waters when I. When I rush out the door.

[Caleb Hammer]

Dude, just in the back of your truck. But thing of waters. That's what I do for emergency these. Popeyes. Popeyes. Get him some bull. 556. There it is. Zaxby's Rainforest Cafe.

[Christian]

What? The Rainforest Cafe.

[Caleb Hammer]

Rainforest. Oh sorry. Rainforest Express. You went and got some bullshit. That's car wash. Oh great. You don't need that. Come on, you're on the Mississippi.

[Christian]

Well, she took her bamboo that I had got her and was pouring the rest of the ice out and it was smeared all down the side of my truck.

[Caleb Hammer]

Doesn't matter. Dump a bucket of what? You own a home. Dump a bucket of water on an Went and got some bullsh or atm, which are 200 Wendy's. Went and got some taco sombrero. When the Mexican restaurants start saying taco sombrero, that's when you know you're getting further away from the border.

[Christian]

I love tacos. Sombrero.

[Caleb Hammer]

Yeah, but you know you're not at the border at that point. Mexican restaurant. Taco Sombrero. Yeah, it's kind of like real Mexican food. Please come here.

[Christian]

Okay.

[Caleb Hammer]

Went and got some winning. Got some smoothie king. Went and got some bamboo. Domino's Texas Roadhouse and Soul Restaurant.

[Christian]

That's Korean restaurant.

[Caleb Hammer]

Yeah, and she's Vietnamese.

[Christian]

Yeah, but we love Korean food and we love Korean. One of our favorite things to go eat.

[Caleb Hammer]

Oh, okay. And then here's.

[Christian]

That is my TSP.

[Caleb Hammer]

Yes it is. It's your government. Essentially. 401ks is what it looks like. The vested balance 14. But what do you owe on it?

[Christian]

Well, I took about half of it.

[Caleb Hammer]

That's all you're Able to borrow because that's not employee contributions.

[Christian]

It's about.

[Caleb Hammer]

It's your contributions. You borrowed your entirety of contributions.

[Christian]

Yeah, so it's 4% interest, but the interest goes back into the account as I pay it. So I. Yeah, but it has been.

[Caleb Hammer]

Soft because you're losing out on market growth of about 10. Listen, you've got 40% actually so far. Yeah, because it's been a great year. Except it doesn't matter anymore because now you're just getting 4%. And guess what? You get fired or you quit your job. Yeah, they can call that. They can call it do.

[Christian]

That's what my coworker told me.

[Caleb Hammer]

That's what your co worker was correct about.

[Christian]

Yeah, I had.

[Caleb Hammer]

No way. You can't even pay back your kid. I think you can pay this back.

[Christian]

I. It has to be done in advance.

[Caleb Hammer]

Why'd you take it? Where were you going to put it?

[Christian]

Because, you know, I was looking at the debt, trying to look at the bigger picture. I knew I was coming. You know, I want to do better. So I was like, okay, if this is only 4% back towards myself, then, you know, I can step in like 25% on like the Discover card. I can just use that or something and pay it back. It's a lower minimum monthly payment. Frees up other money to go to other places. Like, you know, I just figured 4%.

[Caleb Hammer]

Back to my other places, like New York.

[Christian]

No, I want, I want to do better. I want to try to like, maybe I can save on the side a little bit. Maybe if I can budget it out eventually and put it to the side. I want to get to the point where I can go to New York guilt free. That's my goal.

[Caleb Hammer]

I honestly think you should just start a new career there once she's out. If that's really, really you want.

[Christian]

I hope they station her somewhere near there.

[Caleb Hammer]

I'm down to put everyone where they want to be. Yeah, it's a higher cost of living area. You're gonna have a smaller house. But if it's the lifestyle you want, then do it. I encourage it regardless of, you know, there's a lot of things like, okay, so income. We're just budgeting you, not her. Because this is just your stuff, your debt, your accounts. And I guess you guys want to be separate. Let's see, get your minimum C debt payments, discover it 180 plus Disney rewards of 92 plus. No, that was Keser credit. And then Disney rewards 66 plus the quicksilver at 27 plus 25 from the save or card, plus a personal loan of 395 and 88 cents, plus the Maverick at 525, plus the Tesla at 528.67. Well.

[Christian]

Oh, does that have my mortgage in it? I do have a mortgage.

[Caleb Hammer]

Oh, okay. Debt, minimum payments, not including mortgage. $1,839.55. Oh, yes. What's your mortgage?

[Christian]

940 with that's what's owed on the house. I want to say somewhere in the 130s. I can't get into the website. It's expensive, but I really can't. They've sold it off and it's with Standard Mortgage now.

[Caleb Hammer]

Yeah, it's so easy to.

[Christian]

I don't know, my login, it locked in.

[Caleb Hammer]

I had my mortgage sold so many times. It's so easy to get it set up too.

[Christian]

Yeah, I tried a couple times. It locked me out. So I gotta call it your address.

[Caleb Hammer]

Do a little house audit real quick. This is crazy.

[Christian]

I don't know if the pictures are updated. We've done a few.

[Caleb Hammer]

It's not about the pictures. It's about the value, the area, all that good stuff. What's your phone bill?

[Christian]

She pays it. It's too. I know the price, but it doesn't matter.

[Caleb Hammer]

She pays for it. This is your budget. Do you guys split the mortgage? How does it work?

[Christian]

I pay it.

[Caleb Hammer]

Oh, yeah.

[Christian]

It doesn't look anything like this now.

[Caleb Hammer]

But it's not about how it looks. Okay, 940. Why did you guys do a big renovation?

[Christian]

I got rid of all the. All that stuff you see up front's gone. I cleaned. It's just grass. I got rid of all that stuff off the house. I.

[Caleb Hammer]

Good. We got rid of all the character.

[Christian]

Yeah. We extended the driveway, replaced the windows, all that good stuff.

[Caleb Hammer]

Why are you doing that?

[Christian]

Because the windows were leaking.

[Caleb Hammer]

It's like worth like 185.

[Christian]

Oh, wait.

[Caleb Hammer]

Actually, let's get it 130. You have an equity position. Okay, we're chilling.

[Christian]

It's only 3.19 interest, so that's why I don't want to get rid of it. If we move off with her. That's why I want to get my dad or somebody to rent it in case we come back or, you know, at least while we're gone, he can make the payment and build some more equity.

[Caleb Hammer]

Can I call the wife in the post show?

[Christian]

Yeah, she answers. I texted her earlier.

[Caleb Hammer]

We're going to do that. I know that'll always be. It's always good okay, utilities. Who pays for that?

[Christian]

She pays power because the Tesla charges.

[Caleb Hammer]

What do you pay for?

[Christian]

I pay water. It's about 100.

[Caleb Hammer]

What about Internet? Does she.

[Christian]

She pays it. It's all included with TV, gas.

[Caleb Hammer]

Vroom, vroom. Drive, drive.

[Christian]

For you I'd say 30 a week. So 120.

[Caleb Hammer]

Car insurance. Who pays for that?

[Christian]

I pay is 320.

[Caleb Hammer]

Oh, that's insane. We're over the budget by the way. Already.

[Christian]

Oh, I know.

[Caleb Hammer]

Yeah, yeah, you're dead. So food and groceries. How does this work for the house?

[Christian]

Usually she buys them but she took a break from work to get all the military. The military.

[Caleb Hammer]

How does this work? Now that she's away, it's gonna be me.

[Christian]

I haven't written.

[Caleb Hammer]

You should be able to do 500. Lots of meal prep. The kid's not going to be happy. He's going to be changing his lifestyle from McDonald's to lots of warmed up meals. But you're gonna meal prep a few times a week. TV, fun. Anything else you and the kid need? 150 bucks. That's toothpaste, toothbrush. Dude, you can scrap it out with your kid. Kid just like video games and having fun going to the park.

[Christian]

Yeah.

[Caleb Hammer]

You know, it's like you can scrap it out with a kid.

[Christian]

Yeah. Walk the dog. Yeah.

[Caleb Hammer]

Come on. We can have fun without going to New York and out to eat endlessly. Medical, health care co pays and the.

[Christian]

Well, I'm canceling my health insurance because we're going to be on her military insurance.

[Caleb Hammer]

But other CO pays. You're paying for.

[Christian]

Mmm, like 10 bucks when I go.

[Caleb Hammer]

But that's rare.

[Christian]

Yeah.

[Caleb Hammer]

Jim, is there a gym?

[Christian]

No.

[Caleb Hammer]

Okay.

[Christian]

Probably should be, but no, I can put.

[Caleb Hammer]

You want me to put it in?

[Christian]

I don't know if I'll have the time. So don't put it in.

[Caleb Hammer]

Just do lots of walks with the dogs and diet.

[Christian]

Yeah, I need to.

[Caleb Hammer]

Yeah.

[Christian]

How.

[Caleb Hammer]

How old is the dog? What's the health?

[Christian]

He's six.

[Caleb Hammer]

Health.

[Christian]

He's doing good.

[Caleb Hammer]

You have pet insurance?

[Christian]

I used to. And then when he swallowed a piece of rubber one time I took him to the vet and they said the health. The pet insurance, when I submitted it to them, they said it wasn't covered.

[Caleb Hammer]

There's lots of pet insurance out there, so you have to shop for the right one. Unfortunately the right ones are quite pricey. But once you actually get that, it does save you a lot of money. It literally saved me like $30,000 this year.

[Christian]

It kind of hurt my. My trust with It.

[Caleb Hammer]

It does. You have to shop and get good ones. $50. You have to do lots of vetting. Yeah, $50. I'll put it there. Dog food.

[Christian]

How much he. He kind of like a grazer. So we buy the big bag. So I'd say 40 bucks every two months. So $20 a month. No, he's a tiny. He's only 10 pounds.

[Caleb Hammer]

Okay. Because grazing is not always. Sounds like he does it well. Good. Anything else you need to put in your budget that is not taken into account yet.

[Christian]

Let me think. I have a checklist on my phone I usually go through each month. I put a check by it.

[Caleb Hammer]

Once I pay it, I don't even think you want it. You're going to be looking for another job anyway and who knows where you're going to be. I'll get you a course career certification so you can go into a field that we want to do in the future. That'll be good. But I don't know how you're going to do this. You guys need to combine and that's what we're going to talk to her about in the post show. Because that's the only solution here is like you guys can do this combined. But yeah, let me add this up because right now with just your income, this does not work.

[Christian]

Oh, no. Yeah. When I got off the overtime list because I went to hang out with her more before she left, that overtime definitely helped. Oh yeah, we get along. It's just when it comes to the money and stuff, that's what really, really gets us going. But other than that, we do great, dude.

[Caleb Hammer]

Yeah.

[Christian]

Yeah. It's bad.

[Caleb Hammer]

This is, it's, it's, it's done. It's done. And with the combined household, obviously she takes care of some things and whatnot. I think you'll have a couple thousand hours left over and that with the.

[Christian]

Yeah, she is willing.

[Caleb Hammer]

Well, it's not about help, dude. It's about conquering it together. But that also means you changing your behavior or else I don't want her to.

[Christian]

Yeah, that's.

[Caleb Hammer]

But with the 2000, I think we can contribute to it a month. Once we combine. It's about, about a three year process to pay off the debt and that's okay. That gets almost through her service and then once she's out, you guys are living a great life in your 30s, kind of starting fresh, you know, doing, living a great life, getting a fully funded emergency fund. But right now you need $4,059.55 to survive and you can't alone. So you guys have to combine. So we're going to call her in the post show. That's what we're going to do. Let's get the Hammer Financial score first. Okay. Spending in a budget. Well, you overspent. 0 out of 10 debt. It's as bad as it gets without having collections or IRS that well. You barred against your retirement. 0 out of 10 emergency fund. No. You had a thousand in savings.

[Christian]

Actually I keep the 1,000.

[Caleb Hammer]

It was a change from your assessment. One out of 10 retirement. You have a little bit of the match but still very behind. And then you borrowed against us. I'm going to give you a two out of ten at best. Yeah. Real estate. You have an equity position. When did you take the assessment? This doesn't add up. This is not how the assessment would.

[Christian]

Have given a while. But yeah, it was like you have an. I'm not sure I shouldn't.

[Caleb Hammer]

The house is okay. What's the interest rate on your mortgage?

[Christian]

3.1.

[Caleb Hammer]

Yeah, that's good. I'm gonna give you a listen. You can't necessarily afford to have the house right now. So it's gonna take some points off. About a 6 out of 10. But at least you have that. You have an equity position in a good rate.

[Christian]

Yeah. I'll let the cars go long before I let the house go.

[Caleb Hammer]

Of course. That's gonna be a Hammer Financial score rounded up to a 2 out of 10. Click that join button. Join us in Hammer Elite. For an extra 20 minutes we're going to call his wife. In three premium shows posted every single day Monday through Friday. I'll see you there. I need you to call your wife. Tell her about everything we have here.

[Christian]

It's a scary task.

[Caleb Hammer]

Okay, so what do you want me to do?

[Christian]

Basically, I'm going to need you to help take over some of my debt until we can get out of this.

[Caleb Hammer]

Wait, hold. Hold the up. You want me to take your. That was the most ineffective communication I've ever seen in my life. I've never seen anybody not understand an.

[Christian]

Hour and a half conversation more than watching you try to explain what this conversation after that.

[Caleb Hammer]

She's absolutely getting cloud and basic. Hammer Elite is the best YouTube membership on the platform and I just upgraded it three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise.