Failed OF Girl Has $8.10 In Her Checking Account | Financial Audit

Summary

Financial Audit Podcast: "Failed OF Girl Has $8.10 In Her Checking Account" | March 23, 2026

Host: Caleb Hammer
Guests: Megan (22, Market Analyst), Kyle (28, Body Piercer)
Location: Dallas, TX

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Episode Overview

This episode is a deep dive, and sometimes a roast, into the finances and relationship dynamics of Megan and Kyle—a young Dallas couple. Megan is barely out of college, trying to consolidate early credit card debt while coming from turbulent financial decisions, including a short stint on OnlyFans. Kyle is a self-employed piercer earning on commission, with anarchic views, his own debt, and a tendency to play provider despite misgivings.

Main themes:

• Chaotic early-adulthood finances and personal responsibility
• Relationship compatibility and values (especially regarding marriage and money)
• The challenges and pitfalls of combining finances without clear communication
• Honest, at times harsh, advice about stepping up to adulthood

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Key Discussion Points & Insights

1. Introductions and Day Jobs

• Megan works as a market analyst at a card grading company, making about $43,000/year (~$1,800 biweekly take-home).
• Kyle is a body piercer, earning straight commission, averaging around $4,000/month but subject to wild income swings.
• They've dated just over a year and recently moved in together.
• They’ve only been living together a few months, and have not combined finances yet.

(02:20 – 04:10)

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2. Relationship and Marriage Clashes

• Megan is eager for marriage, sees it as a key life goal; Kyle is staunchly anti-marriage ("Marriage is a scam.").
• Discussion about the logistical/legal benefits of marriage vs. Kyle’s skepticism, including inheritance, property rights, social security, and medical decisions.
• Caleb warns: “You can love someone and also be wasting your time.” (09:00)
• Both agree: No interest in kids.

Notable Exchange:

Caleb: “How important is marriage to you?”
Megan: “Scale of 1 to 10, I’d say an 8.” (10:29)

(05:11 – 10:33)

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3. Financial Dynamic and Imbalance

• Kyle pays: Most, if not all, household expenses (especially rent).
• Megan pays: Groceries (though minimal per receipts), some utilities and insurance, rare contributions to rent.
• Megan’s finances only improved because Kyle took over her larger bills.
• Megan recently quit a second job to try streaming/OnlyFans again (with debate and drama).
• The couple has never had a clear conversation about household finances, including what rent actually is.

Caleb’s blunt summary:

“The only time you’ve ever been able to do anything is because he’s taken care. Taking care of a couple groceries here and there doesn’t all of a sudden make the situation fair.” (14:17)

• Megan is consolidating previous debts and still overdraws her account despite support.

(12:34 – 16:10, 46:46 – 55:00 & 61:36 – 65:24)

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4. OnlyFans & Side Income Disputes

• Megan previously made $6,000 in 1.5 months on OnlyFans (“top 4% of creators”), but quit due to discomfort with coworkers/subscribers crossing real-life boundaries.
• She regularly brings up restarting, which is a major point of conflict. Kyle is uncomfortable with her doing OF, sometimes mock-suggests joining her just to end the fights.
• Megan also tries streaming on Twitch, but hasn’t hit affiliate level and accrued minor overdraft charges buying overlays/games for it.

Notable, funny moment:

Caleb: “So what, are you just going to pester and break down until he caves?”
Megan: “Yeah, that’s the goal with everything.” (21:05)

(16:15 – 21:02 & 81:33 – 83:30)

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5. Communication Fails and Passive Behavior

• Both struggle to talk directly about important subjects (marriage, major purchases, household contributions).
• Kyle is passive; Megan rarely asks details, expects guidance.
• Megan admits she didn’t even really know the actual rent amount until the show.

“How do you not know what the rent is?” – Caleb
“Dude never told me.” – Megan (51:03)

(47:00 – 53:34, 65:24 – 65:42, 51:03 – 52:05)

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6. Spending Habits, Debt, and Overdrafts

• Both guests have revolving credit card balances, late payments, and overspending issues.
• Megan has a low checking account balance ($8.10 at one point), overdrafts for non-essential expenses (Steam games, bakery items, Twitch overlays).
• She is over the credit limit on her Indigo card ($1,155.94), only making minimum payments, blaming “not knowing better.”
• Kyle recently opened a new credit card, already missed a payment due to account hack/issues; has a nearly-maxed car loan, owns a Mustang, a second car, and a motorcycle.
• Both spend on non-essentials: weed (daily shared sessions), pets (5 cats, 4 bunnies, no pet insurance), and “tons of food and miscellaneous bullshit.”
• Both rely on family for financial bailouts: Megan has a structured settlement (from a childhood accident) coming in lump sums every few years, has already spent the previous payouts, and borrowed from her mother’s inheritance “as needed.”

Notable Quote:

Caleb: “Your grocery spending was so small it doesn’t even have a number next to it because we couldn’t fit it in the pie chart. It was 1.3% of the spending. $87.” (71:58)

(60:13 – 68:09, 77:01 – 80:00, 83:30 – 85:17)

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7. Political & Value Dissonance

• Kyle: Self-described anarchist, anti-government, proud non-taxpayer last 3–4 years (“When I get on the radar, probably fuck the government and get arrested.” 23:17).
• Megan: More moderate/left-leaning, but not ideological; frustrated by systemic letdowns (unemployment, child support system).
• Verbal sparring over the government, progressive taxation, January 6th, conspiracies, etc.
• Caleb observes their worldviews are “completely misaligned,” warning that relationships often fail when foundational values are so different.

(31:03 – 42:15)

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8. Budget Reality Check and Future Steps

• Under Caleb’s combined household budget:
  • Household income: ~$7,800/month
  • Debts: $910 minimum required/month
  • Rent: $1,500/month
  • Utilities: $800
  • Car insurance: about $500 (separate policies)
  • Food: $600
  • “TP fund”, miscellaneous: $250
  • Pets: $250 insurance (recommended), $150 food/litter
• Forecast: If they budget and communicate, they could pay off non-IRS debt in about 7 months, save for emergencies within a year and a half, but only if both radically change behavior.
• Major warnings:
  • Neither partner is close to stable or adult in their financial/life management.
  • Megan needs to contribute fairly and grow past a “victim” and “shortcut” mindset.
  • Kyle needs to demand more communication, pay taxes, and build back savings.
  • Both need to decide if real partnership is possible—or even desirable.

“You guys need a budget together and communicate. … You don’t even know each other. Yeah, this is weird. It’s surface level and it’s weird.” – Caleb (93:59)

(90:09 – 94:51)

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Memorable Quotes & Moments with Timestamps

• On marriage skepticism:

  Kyle: “Marriage is a scam. Because 50% of marriages end in divorce.” (06:07)
  Caleb: “You can love someone and also be wasting your time.” (09:00)

• On Megan’s finances:

  Caleb: “You are only able to do anything because [Kyle] is taking care of her completely. The only time you’ve ever been able to do anything is because he’s taken care.” (14:17)

• On OF side hustle disputes:

  Megan: “My ass—way better than my titties. Can we talk about that?” (18:21)

• On passive communication:

  Caleb: “You’re pussified and you’re selfish.” (51:09)

• On Megan’s checking account:

  Caleb: “Chase. Who has $8.10? What is wrong with you?” (80:13)

• On the household budget:

  Caleb: “With your guys’ income, it doesn’t make any sense [to struggle]. … You’re being stupid.” (90:48)

• Caleb’s blunt summary:

  “Hammer financial score for this household is 0.5 out of 10.” (94:51)

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Timestamps for Major Segments

• [02:20–04:10] — Introductions, jobs, relationship status
• [05:11–10:33] — Marriage clash & legal realities
• [12:34–16:15] — Financial imbalances & household support
• [16:15–21:02] — OnlyFans, Twitch, and couple’s fights about side hustles
• [31:03–42:15] — Government, taxes, political worldviews examined
• [46:46–55:00] — Debt consolidation, bailouts, car loans
• [60:13–65:24] — Overdrafts, irresponsibility called out
• [71:58–73:41] — Spending breakouts and grocery argument
• [81:33–83:27] — Twitch streaming, priorities, overdrafts
• [90:09–94:51] — Realistic joint budget and plan, reality check
• [94:51–end] — Hammer Financial Score, final warnings, episode wrap

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Tone & Style

• The show keeps a playful, irreverent, sometimes sharp tone.
• Combines hard reality checks with wit and sarcasm.
• Guests openly bicker and joke, but major misalignments and red flags are called out—especially relating to money management, responsibility, and relationship goals.

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Summary / Takeaways

• The episode spotlights a young, mismatched couple who blend financial naiveté with relationship miscommunication.
• Neither is on stable ground: Megan has never self-sustained, relies on bailouts, and spends recklessly; Kyle enables her but secretly resents it, all while avoiding taxes and failing to budget for himself.
• Caleb stresses repeatedly: Clarity, communication, and adult ownership are mandatory. If they want any future together, both must overhaul not only their finances but also how they communicate and approach partnership.
• Final word: “0.5/10”—rock bottom, but room to grow if they take the advice.

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For more, including post-show texts and inheritance calls, tune into the full Hammer Elite post-show.

Transcript

[Caleb Hammer]

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[Megan]

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[Caleb Hammer]

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[Megan]

This is your fix. I am your host, Stassi Schroeder. Welcome to Tell Me Lies, the official podcast. What's the most unhinged thing of season three? Steven because he's so evil, I do

[Caleb Hammer]

think he is misunderstood.

[Megan]

You see everyone face consequences.

[Caleb Hammer]

It's intoxicating.

[Megan]

The writers just know how to trick. Yeah, there's always a twist in this show. Tell Me Lies the official podcast January

[Caleb Hammer]

6th and stream the new season of

[Megan]

Tell Me Lies January 13th on Hulu and Hulu on Disney.

[Caleb Hammer]

Watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[Megan]

I want to get married.

[Caleb Hammer]

So what, are you just going to pester and break down until he caves?

[Megan]

He does not want to get married to me whatsoever. I would be gone from 7 in the morning to 11pm how many days a week? 3.

[Caleb Hammer]

Your finances were relatively in order until she came into the picture.

[Kyle]

Yeah, I'd say so.

[Caleb Hammer]

And now it's completely drain savings for her. She's draining you. She wants to get married, she's leeching on, she's drained your savings. Everything's the reality is you were making no progress and now the only reason is because the guy's taking care of your every single need and you want to rush into marriage with him and lock him down.

[Megan]

Can you blame me?

[Caleb Hammer]

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[Megan]

Hi, I'm Megan. I'm 22.

[Kyle]

What's up? I'm Kyle. I'm 28.

[Megan]

We're from Dallas, Texas, and this is financial audit.

[Caleb Hammer]

I know it's a. It's a messy Monday here in financial audit world when Lindsay gives me a little bit of the tea beforehand, I never get the tea. I always go in blind, and I still am mostly, but when I get a little bit of the tea beforehand, I know it's messy. Monday is what I'm starting to call them. I'm coining that at this exact moment. Thanks for coming in, driving down from Dallas. I appreciate it. Listen, Megan, you're right in front of me. What do you do for a living in Dallas?

[Megan]

I work as a market analyst at a big card company.

[Caleb Hammer]

Card company?

[Megan]

Grading. Like the. Is that. Come on, cards? Video game. Like video game cards?

[Caleb Hammer]

Yeah. When I heard market analyst, I was like. And then car.

[Megan]

It's like card it. Like. I'm basically just researching cards and then like putting a bunch of information about it into a big system.

[Caleb Hammer]

And what do you make doing that?

[Megan]

I make roughly 43,000 a year. Ish.

[Caleb Hammer]

Okay, okay. Not bad. I mean, 22. Certainly not bad for the 22 years old. Listen, and Dallas, I mean, it's kind of an expensive. Kind of an expensive Metro, for sure. And what do you do?

[Kyle]

I'm a body piercer.

[Caleb Hammer]

Ah, yes. It fits the personality. You guys have all the fun things on you don't.

[Megan]

You totally could have more.

[Kyle]

Yeah.

[Caleb Hammer]

Oh, are you going to?

[Megan]

I don't know, maybe. You know, you could do like eyebrows. You could do your lips. You could do.

[Caleb Hammer]

So what do you make?

[Kyle]

It's straight commission, so around 40 to 80k a year.

[Caleb Hammer]

Okay, 40 to 80k is a huge range. You can't live. Okay, yeah, but what's your monthly average? Just your average month.

[Kyle]

Average month, 4K.

[Caleb Hammer]

Okay, 4,000. Listen, and how long have you guys been married? Dating.

[Kyle]

Just dating.

[Caleb Hammer]

Not married.

[Megan]

We just hit our year a couple of days ago.

[Caleb Hammer]

Oh, a couple of days ago. Welcome. Listen, Brandon's trying to steal your girl in the background. One year. You still have an intro. So the 44,000, what hits your account on a monthly basis.

[Megan]

It's about 1800 every two weeks.

[Caleb Hammer]

So wait, I don't even know what this means. This is just a crazy note that just got. He saw her tits before they were dating. And her ex. I mean, there's not. I mean, they're literally. I mean, they're man tits, but that's okay. And her ex was in the room with Them. He was. Oh, he was piercing your nipples?

[Kyle]

Yes.

[Caleb Hammer]

Oh, okay. Okay. That was good. That was good. Because that's all they are, is those nipples.

[Kyle]

Yeah, they're like little boy, little tissue, little boy tits. You know, like chubby boy. They're there. I have small hands, so it works.

[Caleb Hammer]

You like to grab chubby boys with your small hands?

[Megan]

No, but I can only imagine only this chubby boy.

[Kyle]

Yeah.

[Caleb Hammer]

Interesting. Okay. Okay. Well, I guess that's not weird if you're just piercing then. Because I was reading that. I know. I was like, what the. But it is. It is. It's an interesting.

[Megan]

Your pierce is like penises, too. Like random dudes penis.

[Caleb Hammer]

I know. We were trying to convince someone on the team to do it for the post show, but we couldn't. Mark, you coming to office? Yeah. So talking to the financial audit team. We're going to have to pierce your dick for the post show. What? So what hits a month roughly?

[Megan]

Like 3,800, 4,000.

[Caleb Hammer]

So are we trying to work on marriage? Is marriage in the future? Because that's usually what we do when it comes to financial audit. And this would be a strong household income.

[Megan]

I want to get married. I ideally would love to combine our incomes and have joint accounts and everything like that. He does not want to get married to me whatsoever. He thinks marriage is a scam.

[Caleb Hammer]

Marriage is a scam. What do you mean? There's so many natural protections that come with it.

[Kyle]

Love is real, but marriage is. It's just a scam. Yeah.

[Caleb Hammer]

How's it a scam? What does that make sense? Scam? Well, how is it a scam?

[Kyle]

Because 50 of marriages end in divorce. I think more than that.

[Caleb Hammer]

Well, don't get married to someone you're not ready to commit yourself to for your life.

[Kyle]

Don't you think all people that get married think that same thing?

[Caleb Hammer]

No.

[Kyle]

Oh, well, that's where I thought.

[Caleb Hammer]

I think people around with marriage and have some fun. I don't know. Is this the guy you're trying to get married to?

[Megan]

Yeah, ideally.

[Caleb Hammer]

So you're there. You're ready. You're a year in.

[Megan]

Not right now.

[Caleb Hammer]

Like, he was like, with your tits while you're dating another guy, right?

[Megan]

Yeah, 100%.

[Caleb Hammer]

Okay. So, I mean, you probably thought you were going to marry that guy, right?

[Megan]

No.

[Caleb Hammer]

Oh, come on. In the.

[Megan]

Not a relation.

[Caleb Hammer]

Why were you dating him?

[Megan]

I had made some poor decisions at that point.

[Caleb Hammer]

Okay. But it's a scam because some people get divorced. That 50% analytic, by the way. I mean, there is something weird with that, it dramatically goes down for how long people have been married, though, like, if you make it past the first couple years or something like that. I don't remember. It's one of those weird kind of flawed analytics. Like, it's true, but it's also very contextual. So to be clear, you get married, there's legal protections. You immediately get inheritance without a will. So things immediately legally transfer, no issues. If you're not married. Good luck with that. Spousal property, property rights. So you get the spousal property rights. Social Security benefits, employer benefit access, medical decision making authority. This comes with marriage, hospital and emergency access protections. Wrongful death and injury lawsuits, Immigration benefits, obviously, joint tax benefits. Debt and liability rules, like spouses can share responsibility for certain debts and medical expenses can become joint obligations. Automatical, automatic parental presumptions. Obviously, you don't have to testify against your person in court. You both look like you do. Crazy. Crazy. We don't have to testify against each other. If you're married, you will. If you're not married, you will. So there's a lot of things that come with it. I don't understand the scam because some people.

[Kyle]

Does all that come with common law?

[Caleb Hammer]

I guess that probably depends on the state, right?

[Megan]

Yeah, but who the hell wants to get common law married? Like, who's proud to say they got common law married?

[Kyle]

Who's gonna say that? You just got married.

[Megan]

It's not the same. It's not the same. And you know it.

[Kyle]

Weddings are expensive.

[Caleb Hammer]

Well, first of all, she wants a wedding. You don't. Why the are you guys together? That seems like a pretty damn big thing, to be clear.

[Megan]

That seems like him.

[Caleb Hammer]

We're a year in.

[Kyle]

I think you can live in a situation or a relationship without it ending in marriage.

[Caleb Hammer]

No, you can, but you guys aren't aligned on that.

[Kyle]

But I've said it since the beginning, just to be fair. Damn near, like, first month dating her, I was like, hey, I am not a marriage guy.

[Caleb Hammer]

So in Texas, the common law would have to be. If proven in that if obviously it's like a lot of work and that kind of pulls all the weight. And a lot of that comes with it. Not everything. Not everything. You have to have an agreement to be married, which again.

[Kyle]

All right, touche.

[Caleb Hammer]

You're not really into living together. Spouses, obviously you have that. But not everything comes with it. Still not everything comes with it. And if you have to get married or you really want to get married, I like. I know you say it's a Kind of a cute answer. Oh, I'll break them. No, I mean, honestly, I mean, can we be honest? You can love someone and also be wasting your time. If this is like your life goal, life mission, what are you trying to do? You're trying to have kids, Trying to have all that.

[Megan]

No. No kids.

[Caleb Hammer]

Okay.

[Megan]

Well, okay, but like, I mean, if

[Caleb Hammer]

you're rushing into marriage, you can assume that a lot of the other things going to come with it. But.

[Megan]

Okay, so he, he is so perfect in every other regard. It's like, why are you so against this one part?

[Caleb Hammer]

Like, if it was a scam and if he thinks it's a scam, which it's objectively not, he's so far gone on reality when it comes to marriage. I don't think you guys are ever going to see the eye to eye on that. So, like, I don't get it.

[Megan]

I'm.

[Caleb Hammer]

I think you're wasting.

[Megan]

I'm determined.

[Caleb Hammer]

You're determined, but you might just be wasting your time.

[Megan]

Then I will waste my time and be happy while I do it.

[Caleb Hammer]

Except you won't be because you're not married and one of your big goals is to be married. I'm not trying to talk you out of dating this guy, but I do need you to see the reality of the situation. And you're still very much in the honeymoon phase. You're a year in, like, what the. Everything's golden, everything's happy, a couple fights here and there. Okay, sure, right.

[Megan]

He's just like, proven to me to be the best domestic partner in, like, having the house, in doing everything.

[Caleb Hammer]

That's great. But you really want to get married and he doesn't. How important is that to you? From everything I understand, pretty Damn scale

[Megan]

of 1 to 10, I'd say like an 8.

[Caleb Hammer]

The world moves fast, your workday even faster. Pitching products, drafting reports, analyzing data. Microsoft 365 copilot is your AI assist assistant for work built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use, helping you quickly write, analyze, create, and summarize so you can cut through clutter and clear a path to your best work. Learn [e-mail] M365Copilot yeah, that. So I'm not saying everything else isn't good. I'm not saying that it is from the sounds of it. I mean, your finances are not. And I don't think you guys agree financially, but sure, he's a good partner. And a lot of the other things that matter, I mean, you Were telling Lindsay that you're worried about your guys's future together.

[Megan]

Did you tell her?

[Kyle]

I don't know. In what context? Oh, maybe in just the context of if you did change your mind when

[Megan]

you guys talk context and then you

[Kyle]

didn't want to marry. Like, if you change your mind and you were like, actually, if you're not going to marry me, I'm leaving.

[Megan]

Why would I go into the mindset of marriage thinking that I'm going to change my mind at some point?

[Kyle]

Why?

[Megan]

Why would that make sense?

[Kyle]

People change. I don't know.

[Megan]

But that's. Marriage isn't something you just up and wake up one day and decide, no, never mind. Like, no, that's not how you do it. If you really love the person. And have I not proven to you that I love you enough times?

[Caleb Hammer]

But he thinks that overall what he was talking about before is you guys different views on marriage and finances could be dramatically troublesome in the future of your lives together. That's what Kyle was saying.

[Megan]

I could see that. But like, I think my finances have been a little more in order than they have in the past, and I'm willing to make more steps to fix them and actually see a big, big picture future. You know what I mean? That looks happy. That looks like. Like I could afford a wedding. You know what I mean?

[Kyle]

Or we could just go vacation in Hawaii.

[Megan]

That's what you want to do?

[Kyle]

Well, vacation anywhere you want.

[Megan]

I don't want a vacation. I want a wedding.

[Caleb Hammer]

Well, to be clear, the only reason your finances are better is because he's completely paying your rent. I mean, that's it. You're not actually doing anything different. You didn't improve your life. You're getting subsidized for a guy. No wonder you want to be with him so much. He's completely paying for your entire life. I mean, that's it. I mean, I'm not saying like, bad job for funneling the extra money in the right direction. I'm not saying that. But let's be honest. That the reason why? Because you found a guy that's willing to fully take care of your rent, even though you guys make pretty much the same amount of money on average.

[Megan]

So I. I think he makes more than me. I don't think he makes.

[Kyle]

But it's commission. So I have to pay for all my supplies and everything. And I'm supposed to be to putting money away for taxes.

[Caleb Hammer]

Pays for all the government put money away for taxes.

[Megan]

Ye. Yeah, right.

[Kyle]

It's supposed to be.

[Megan]

Supposed to Be, I don't know, some

[Caleb Hammer]

of the, some of the production staff on the back end was reading you as a gold digger. Not going to say anyone's names. Her. Yeah.

[Kyle]

Okay.

[Megan]

They can't.

[Caleb Hammer]

He pays for all the food. He pays for the roof over the head.

[Megan]

He not pay for all the food. I pay for.

[Kyle]

She buys groceries.

[Caleb Hammer]

No going out to eat, which is, by the way, like, probably how we eat, let's be honest. Like, sure, I'm glad you get a couple groceries here and there. Listen, and maybe you are, maybe you're not, but the thing is, it sounds like you're finally. You never took care of your situations at all. You're only 22. So it's not like I'm like freaking out about someone at 22 not going absolutely crazy in life. But the reality is you were making no progress. And now the only reason is because the guy's taking care of your every single need and you want to rush into marriage with him and lock him down. I kind of understand why.

[Megan]

Can you blame me?

[Caleb Hammer]

No, that's what I just said. Yeah, I mean, I can also understand why maybe he doesn't want to rush into it like you just don't want to. I disagree with that. But I understand not wanting to rush into it. If someone's like, attaching herself as a leech to the relationship and now all of a sudden it's her only he almost. I, I believe there is love here. I'm not saying there is not. But the only way she is ever able to improve her life is because you're taking care of her completely. It's the only time, which is an interesting situation to read from the outside. The only time you've ever been able to do anything is because he's taken care. And taking care of a couple groceries here and there doesn't all of a sudden make the situation fair. Why aren't you sweating things down the middle? Why. Why are we doing it this way? Why are you completely taken care of in this? Like the baby?

[Kyle]

Because I, I know that I've made more and.

[Caleb Hammer]

Well, on average, you said you make four, so I, I don't understand. Because she makes 38amonthly.

[Kyle]

She's. She hasn't had that job.

[Megan]

Yeah, that job just started in December. It has not been.

[Caleb Hammer]

Okay, December. We're talking a couple months now. And you just quit your second job as well.

[Megan]

Yes, I did.

[Caleb Hammer]

Which means. Okay, so we're not bringing in that extra income.

[Megan]

That extra income was literally like a hundred and thirty seven dollars every two Weeks. It wasn't even supplying.

[Caleb Hammer]

That's not crazy. But that helps. Start paying for the going out to eat that the dude provides. Or the utilities or the Internet or the phone bill or car insurance. It sounds like that is not money. Especially when we're drowning in debt. It also sounds like low hours, low effort anyway, if you're only making that much.

[Megan]

It was.

[Caleb Hammer]

That's now why'd you quit? Let's be honest.

[Megan]

So much drama.

[Caleb Hammer]

No, it's because you want to be a twitch streamer.

[Megan]

I do want a twitch stream.

[Caleb Hammer]

That's why. It's because you want to be a twitch streamer and you want to post the what everyone would think is a man chest online.

[Megan]

I don't want to post my chest online. I just want to play video games for like random people.

[Caleb Hammer]

Literal lies. I know you're trying to get him to start your only again.

[Megan]

It was an idea to make more money so we could not struggle as bad.

[Caleb Hammer]

Uh huh. It's an idea. But I know it's a huge argument. It's a huge fight.

[Megan]

Yeah.

[Caleb Hammer]

You can downplay it on camera real quick but I know through the conversations you guys had in pre production, it's a big drama. It's a big fight. Your guys disagreement on starting up the of.

[Megan]

I just think.

[Caleb Hammer]

And you used to do the of.

[Megan]

Yeah, I did.

[Caleb Hammer]

And what were you posting?

[Megan]

Semi. I never posted fully on the main page. I would only do that for people who paid extra.

[Caleb Hammer]

And it's been deleted? Yes, fully deleted. So you can't even start from where you were? No. You have to start from scratch.

[Megan]

Yes.

[Caleb Hammer]

How many followers were you getting? What were you making? You're in the top 4% of creators after a month.

[Megan]

I was. After a month and a half I made about how? $6,000.

[Caleb Hammer]

Oh, that's the top 4%?

[Megan]

Yeah. It's honestly not a very competitive market when you get into the top 10.

[Caleb Hammer]

Oh, you had clients at the card shop.

[Megan]

Yeah. So that was actually why I stopped.

[Caleb Hammer]

Weird.

[Megan]

Because people would DM me and be like I recognize you from the place I worked at the card shop I worked at. And that was like that's fucking creepy. I don't need you coming to my job. It's odd when you've seen my titties. That's weird.

[Caleb Hammer]

Sure. Are they coming to there because they seen your titties?

[Megan]

Because they already went and saw my titties.

[Caleb Hammer]

Yeah, it's weird. I don't like that.

[Megan]

Yeah. And I mean I understand that.

[Caleb Hammer]

So why are we starting to back up again. Because you're still there.

[Megan]

No, I left there. That was.

[Caleb Hammer]

So this card place is not public facing.

[Megan]

No, it's this position.

[Caleb Hammer]

You're in the back.

[Megan]

Yes.

[Caleb Hammer]

Okay. Okay. Well, I mean, if you're posting face. Yes. Everyone's people are going to recognize you at some point. And why is this a big fight? Big contention.

[Megan]

He thinks only women are whores and. Yeah.

[Caleb Hammer]

Yes.

[Kyle]

Yeah. Got to be the change you want to see in the world.

[Caleb Hammer]

I mean, only women are whores. It doesn't mean being a whore is bad. I mean, I'm kind of a. Huh. New age in a way.

[Megan]

But also don't with anybody. That never happened.

[Caleb Hammer]

I also don't necessarily think process bad as long as people are consensual and safe and not being trafficked or abused. So it's like I don't really care.

[Megan]

Exactly.

[Caleb Hammer]

I don't care what consensual adults are doing.

[Megan]

I'm so happy rolling in money, posting my own titties and let me do it like it's not okay. I'm. I will say my ass way better than my titties. Can we talk about that like it's true. Significantly better.

[Kyle]

My ass, man. My man.

[Caleb Hammer]

How was this successful so quickly if we're going to do it again?

[Megan]

I mainly marketed through my Instagram and it just kind of took off from there with like people from my hometown who had recognized me. Well, now it's very.

[Caleb Hammer]

From the hometown that recognized you.

[Megan]

Yeah. So like people I went to high school with that were just like, oh, she hasn't now.

[Caleb Hammer]

Okay, well, this isn't very.

[Megan]

It's not that exciting, honestly.

[Caleb Hammer]

But you're vitamin L. You're vehemently against marriage. You're vetaminely. Do you want kids?

[Kyle]

No.

[Caleb Hammer]

Okay, so you're at least both aligned on that.

[Kyle]

Yeah.

[Caleb Hammer]

You don't want to combine finances. She does. You're vehemently against her being a. But you want to be a maybe on the side. Yeah. Side. But that's what most people will know you for at that point. So where do these conversations go then? Where do they end up?

[Megan]

I mean, typically we'll just kind of let it trail off. Stop talking about it. Change the subject.

[Caleb Hammer]

That's not productive. Why don't we have ending. Give it. Tell me, tell me how did this conversation actually go? Give me the dynamic. I need to know what this house looks like.

[Megan]

So the very first time, I. I guess we'll bring up the OL thing first. Cause that's like the one I remember the most when I First brought it up to him. I was like, hey, I'm really toying with the idea. Like, I could really use money. I kind of want to start my again. And at first he was like, absolutely not. Like, no, never. We are not doing that. You are not doing that. You are not allowed to do that. Like, you obviously don't respect yourself enough. But then. But then I introduced the concept that he could join me doing it. And all of a sudden it was okay.

[Caleb Hammer]

Oh, it's okay now because your dick will be in it.

[Kyle]

I think it was just me trying to.

[Caleb Hammer]

Wait, is he gonna. You on camera? Is this the play?

[Kyle]

No, I think when we were talking about this, I think I was just trying to end the conversation, be like, yeah, maybe we'll talk about it to end it. But no, I am not going to put my dick on camera.

[Megan]

But he totally would.

[Kyle]

No, I wouldn't.

[Caleb Hammer]

I think you guys are too nice to each other. Especially this year in. I don't think you guys actually stand up because look at that. I mean, just even like, look at this. You guys are vehemently opposed on this, but she's just like, no, it's gonna happen.

[Kyle]

It's like, yeah, I didn't know it was this. This vehemently in her mind anyways. So it's weird.

[Megan]

I don't talk about it a lot.

[Caleb Hammer]

So what, are you just gonna pester and break down until he caves?

[Megan]

Yeah, that's the goal with everything.

[Caleb Hammer]

And this is what you. That's acceptable to you?

[Kyle]

That's a good question. Damn.

[Caleb Hammer]

Yeah. Because you guys are way too early into this relationship and you can not. How long have you guys lived together? This is fresh. This is baby relationship. Yeah, yeah, yeah.

[Kyle]

I don't think I'll break you haven't

[Caleb Hammer]

thought about the hard, dude.

[Kyle]

What is the hard exactly? I need to know. I don't know.

[Caleb Hammer]

And you don't think about the fact that I don't think marriage is gonna happen. Why do you care about marriage?

[Megan]

I just want to feel, like, intimately close to someone. And plus, like, all the benefits. I pay my taxes, so I want, obviously, the benefits that come from that I don't want.

[Caleb Hammer]

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[Megan]

Be like forever filing independently, because I just have to.

[Caleb Hammer]

Are you sure you want to file with him?

[Megan]

Well, not right now.

[Caleb Hammer]

Isn't that the thing that you literally do not pay your taxes?

[Kyle]

Right.

[Caleb Hammer]

Yeah, the government. I agree, they're not very effective. They do have the guns and access to taking money before it hits your account. Like they. They have flying black Doritos that wipe countries off the map.

[Kyle]

I can't.

[Caleb Hammer]

You and me don't have much of a say.

[Kyle]

I will not. I can't win against an army.

[Caleb Hammer]

But yeah, they will get their taxes. How long has it been since you've paid taxes?

[Kyle]

I haven't paid taxes since I've started my piercing career. Four years? Three years?

[Caleb Hammer]

And what happens when you get on the radar?

[Kyle]

What happens then?

[Caleb Hammer]

What? What, are you just gonna pay a big bill? You're gonna get on a payment plan? Or are you gonna say the government and get arrested?

[Kyle]

Probably fuck the government and get arrested.

[Caleb Hammer]

That's what you want to be with. To be clear, a guy in jail. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, finance guy.

[Megan]

Right?

[Caleb Hammer]

Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial Dollarwise.com link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime also. It makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime get that 350 right now in your checking account.

[Megan]

I didn't.

[Caleb Hammer]

He's standing on his principle.

[Megan]

I didn't know he would.

[Caleb Hammer]

Oh, my goodness. Have you guys ever had a conversation about anything important that you guys value? What do you guys just call day? No.

[Megan]

No. I mean, I thought so. You don't really like to talk about personal things in any room.

[Caleb Hammer]

Oh, that's good.

[Kyle]

That's true.

[Megan]

You really are a reserved person.

[Caleb Hammer]

Oh, yippee. In a relationship. That's great.

[Kyle]

I'm the most open with her, so she knows the most about me. So that's really telling. That I'm pretty closed off, huh?

[Megan]

I'm an open book. I'll tell anybody anything. You know, obviously I had. I'll show anybody any links or I'll tell anybody anything.

[Caleb Hammer]

So it just sounds like I don't know you're hearing and no, no one's had a relationship about, like, no one's had a conversation about where this relationship will actually go. Because I don't think we're aligned on anything that's actually critical. I really don't. You guys are just having fun. You're around. This is not a marriage, by the way. This is not a marriage. You're not getting into marriage here. There's no marriage here. You guys haven't even had any conversations relevant to marriage. Good luck wanting a marriage. What the are you on about? What are you talking about? You guys are just having fun. You guys are like high schoolers having fun. 16, 15, whatever, the. In the car. That's all you guys are doing.

[Megan]

I mean, it's not even a lot of sex, to be real with you.

[Caleb Hammer]

Okay, well, I'm not criticizing that. That's not what I'm talking about. But you guys are just having fun, enjoying each other's experience.

[Megan]

Is that so wrong? Is that like in the first half?

[Caleb Hammer]

Like in the first half. But when you aggressively want marriage with him, and we don't even realize the huge disagreements that we have, and we haven't even come up until this conversation. Yes, actually, that is incredibly scary. And he's a hardcore anarchist. And you're a hardcore, like upper left liberal. Like authoritarian Up. So it's like you guys world view completely misaligned as well. This dude's far down your left up. Like, that is worldview conflict. He's freedom, freedom, freedom. You're. I'm gonna cancel everyone's career the moment they say a bad word. So this is where I'm concerned. Like, okay, what are we doing? Finances. This is Separate finances, Right? Look at separate finances in your finances, besides not paying taxes, which, I mean, that would already your entire financial situation. But either way, I guess your finances were relatively or in order until she came into the picture.

[Kyle]

Sorta. Yeah, I'd say so. I was able to have a bit

[Caleb Hammer]

of a savings, and now it's completely trained savings for her. She's Dr. You. She wants to get married. She's leeching on. She's drained your savings. Everything's.

[Kyle]

She doesn't.

[Caleb Hammer]

You're just happy that there's someone there, I think. I honestly think you're just happy that there is someone. I mean, you are cute, someone attractive by your side.

[Kyle]

She does have a structured settlement, so I don't know if that's like.

[Caleb Hammer]

Well, was the deal that it's going to replenish you?

[Kyle]

No, that's not.

[Caleb Hammer]

Then what the.

[Kyle]

Yeah. We haven't talked about it.

[Megan]

I've told you verbatim. I want to put it back into the house. That's crazy that you want a house.

[Caleb Hammer]

Put it back into the house. What are you talking about? Get yourself a tooth.

[Megan]

Two.

[Kyle]

Okay.

[Caleb Hammer]

What happened? What'd you do?

[Megan]

They had cavities when I was a kid and they just took them out instead of filling them for some reason. I don't know why.

[Caleb Hammer]

Brutal. Okay.

[Kyle]

House.

[Megan]

Yeah, we have a. We have a house. It's not.

[Caleb Hammer]

We have a house. It doesn't sound like it.

[Megan]

It's not.

[Caleb Hammer]

Who's we? You've been dating since May. You guys aren't married. What the are you talking about?

[Kyle]

I am paying the mortgage of the house to my grandmother who owns the

[Caleb Hammer]

house, and you're saying we, so we. You really are latching on and taking everything from this man, are you not? Come on. This is how I'm starting to read it. No, I'm not trying to just be anti septum piercing, you know, because you have it as well.

[Megan]

So I pay for my own things independent of him, though. That's the thing.

[Caleb Hammer]

Oh, he pays for going out to eat. Oh, yeah.

[Megan]

For him to go out to eat. He does not pay for me to go out to eat.

[Caleb Hammer]

When. When your food is taken care of other than a few groceries and the roof over your head is taken care of. Yeah, you're right. You can get things independently because that's the biggest expense in everyone's life.

[Megan]

I'm grateful. I'm lucky. I'm blessed.

[Caleb Hammer]

Yeah. Why don't you chip in then?

[Megan]

I can now. Now that I get my final.

[Caleb Hammer]

What were you making?

[Megan]

I was making like seven. No, like 689 a week before. I don't know what that totals up to.

[Caleb Hammer]

Okay, that's not that big difference. I mean it's like a $800 difference or so. You could have at least chipped in even like 25% of your income.

[Megan]

Also I did not stop paying.

[Caleb Hammer]

He says he buys the dinner like 75% of the time that you guys go out.

[Megan]

Lies. Literally lies.

[Kyle]

When we go out to eat together,

[Megan]

which is how often, how many times a week do I see you?

[Kyle]

A lot.

[Megan]

We see each other after we I get off work and after you get off work every night. So post 8pm, what's open? Post 18.

[Caleb Hammer]

It's hundreds and hundreds and hundreds of dollars and miscellaneous bullshit alone is almost a thousand. I mean bullshit is putting in this household is. I mean with other large purchases and unknowns, I'm guessing it's about 2,000 bucks a month.

[Megan]

But it's like we don't go out to eat a lot together. It's a lot of eating independent from each other. So like his food money is probably equally.

[Caleb Hammer]

Yeah, but when you guys go out, he does it. Or when you guys doordash together, he pays for it.

[Megan]

I pay for doordash.

[Kyle]

No, you don't. You have my card on your file.

[Megan]

I don't use.

[Caleb Hammer]

His card is on your file.

[Megan]

Dude, I don't use your card. I do, I check my finances. He said the app that I use to check my finances is a scam, which is crazy.

[Caleb Hammer]

I think everything's a scam. What is it?

[Megan]

Literally everything's a scam now.

[Kyle]

I just tried Rocket Money or whatever it's called to try and figure out all the subscriptions that my card had and then it didn't do it.

[Caleb Hammer]

I mean that's a very good, very good sellable feature, but in action Rock of Money. Honestly, at this point everything else has gotten so much better. I used to support them, but at this point I do dollar wise. Anyway, listen, the fact is Rocket Money, they're owned by Rocket Mortgage. What do you think they're going to try to sell you in the end? That's all I'm gonna say about that. So scam. Not gonna say that.

[Kyle]

I didn't say scam. Technically it just didn't work. It didn't do what I was thinking it was going to do.

[Caleb Hammer]

Yeah, okay, but you think everything's crazy. I mean, you don't trust the government. You're trusting. You're full anarchist. I don't really understand that. You don't Understand, Full anarchy is kind of crazy.

[Kyle]

I'm not full anarchy. I just mainly all three letter agencies are corrupt. Should be abolished. Should be rewritten.

[Caleb Hammer]

There's an attack on the species by a guild of psychopaths and they must be defeated.

[Kyle]

CIA? No FBI at all. Most three letter agencies.

[Caleb Hammer]

Get rid of them. I know it'd be a little afraid of having nothing.

[Kyle]

Well, I mean right now it's pretty bad having any of them. Look, the world we're in right now, I'm pretty comfortable. Okay.

[Caleb Hammer]

Well, I mean, in general, obviously you get the headlines, right? The headlines are crazy. But in general, Americans have the best life that has ever been had in the entire history of humanity. And western Europeans as well, relatively. I mean, it's a bit of a struggle in other places outside of Germany and Switzerland and Nordic countries, but.

[Kyle]

But it could be so much better.

[Caleb Hammer]

Sure is what everyone says. And then they can't actually give a proposal that has actual provable results from another place.

[Kyle]

But I think violence is the answer and nobody wants that right now.

[Caleb Hammer]

Violence is the answer. So what are we going to do? What's. What's.

[Megan]

This is not a domestic dispute case. I promise. We do not need. Is not here.

[Kyle]

Pull the corrupt politicians from their mansions, drag them to the road.

[Caleb Hammer]

How do you shoot them in the

[Kyle]

back of the head?

[Caleb Hammer]

How do you determine who's corrupt?

[Kyle]

Well, you can look at that.

[Caleb Hammer]

No, it's hard because paper trails. You know, I've gotten to know people behind the scenes from the craters through some famous people, even a couple politicians and whatnot. A lot of people are just people. And people subscribe so much more to them than it actually is. People are just people. Yeah, they're trying to navigate what they're in, but people think there's like these grand conspiracies. It's just like people are just kind of people, Man.

[Kyle]

Now if the world is in it or half of America is in this crazy echo chamber of still thinking that, well, yeah, the president and the government is like helping us. And it's not at all.

[Caleb Hammer]

I don't look for the government to help me. No, I take care of my own stupid.

[Kyle]

And they do. They do think that I don't take from the government. When I was getting taxes and I was like supposed to be getting money from the tech, the government shouldn't be them.

[Caleb Hammer]

You don't even pay your taxes. I'd be very upset.

[Kyle]

Well, when I did, when I had a job that was W2 and I should have been getting money, I didn't want It. I don't want the government. I don't want anything. Leave me the W2.

[Caleb Hammer]

Isn't that just. You overpaid.

[Megan]

Yes. The money taxes he paid, the money he's getting back.

[Kyle]

Okay, I don't want it. Don't. I don't want the government dealing with me. Well, I didn't get money back.

[Megan]

It's not the government. You paid that also.

[Caleb Hammer]

I would have just.

[Megan]

You giving yourself your own.

[Caleb Hammer]

I would have just set my withholdings to zero. So you didn't give them anything. That means you didn't give them anything. You wouldn't have given them anything. Oh, but you were giving them automatic what they thought you would owe and that's where they would give you some money back. You're playing the system and then you lost. Ah, well, you could have played to win. I mean they would have you in the end, but. And how does that conflict with a more authoritarian left? I like if you guys are actually going to be together. I know, I'm not saying that, but I mean just from the pre production phone calls, I mean we kind of just know where you guys stay at. He's like hardcore libertarian. We have more authoritarian left.

[Megan]

I, I'm not particularly political, to be honest. I don't really love politics. I don't.

[Caleb Hammer]

What about loving politics?

[Megan]

Like my core beliefs are not very, very stuck in their ways. I'm very flexible with my mindset. I'm always willing to hear people out.

[Caleb Hammer]

I know, but you're ranting about ice for like three hours to Lindsay.

[Megan]

Okay, ice is bad. Ice is bad because what are you taking a five year old?

[Caleb Hammer]

Well, here you go. Now you see, you have some passion

[Megan]

for 5 year olds getting kidnapped. A little bit.

[Caleb Hammer]

Okay, so you got some passion. So it's not like you're completely disconnected.

[Megan]

No, I know what's going on. I form my own opinion about it. I keep it to myself.

[Caleb Hammer]

I'm just concerned because I just feel like how much of a match are you guys? That's just what I keep trying to come back to. I don't care what anyone's political beliefs are. Unless you're like a hardcore extremist. You're kind of extreme and you're.

[Kyle]

Seems like it, but.

[Caleb Hammer]

Yeah, well.

[Kyle]

Well, hey, as soon as there's like a coup, I'm out there. Civil war, I'm out there.

[Caleb Hammer]

Coup for what? Things always get worse after coups. Things get more authoritarian after coups. Coups are usually military driven. It's like a military leader. You want the head of the Army.

[Kyle]

The citizens coup, I should say. I guess. Remember? No.

[Caleb Hammer]

Russia. Okay, so a revolution.

[Megan]

Didn't that happen with January 6th? And we saw how that went.

[Kyle]

That was. That was staged.

[Megan]

You think. You think that Insurrection was fake?

[Kyle]

Well, not entirely, but there was definitely, like, CIA, FBI agents.

[Megan]

What are you talking about? You sound crazy.

[Kyle]

No, I'm not.

[Megan]

Okay, you think January 6th is fake?

[Kyle]

Not all of it, but it was definitely boosted by the CIA to make it look like a bigger thing than it was.

[Caleb Hammer]

What?

[Kyle]

Just telling you. Which actually, it really sucks. Cause I really do think that, like, if you do want to make a change in the world, you do need to go to where that change is happening, which would have been whatever. The Capitol Hill or whatever. But now I can't say that because it already happened and it failed miserably. So that sucks.

[Megan]

I don't remotely know how to feel about. About that statement, which.

[Caleb Hammer]

Thank goodness you came on financial. Financial audit, because I don't think you guys know what either of you believe or think or care about. And you're talking about marriage. Good. The fuck. I think I've done my job here. You guys are high schoolers having fun. Kiss it in the bathroom in between class. That's what you guys are doing. That's it. You don't know anything about each other. Anything beyond surface level. Can we be honest here?

[Megan]

I think I know him.

[Kyle]

Yeah.

[Caleb Hammer]

Everything here.

[Megan]

No, everything.

[Caleb Hammer]

Everything about his actual beliefs and cares and desires.

[Kyle]

She just nods and says, yeah, baby, when I say that kind of stuff. So.

[Caleb Hammer]

And you want to do that the rest of your life? Forever? When.

[Megan]

When someone just says something so crazy, in outlandish. You just kind of have. But without.

[Caleb Hammer]

You want to be with crazy. And he probably thinks you're crazy, too.

[Megan]

Crazy loves crazy. I think it fits.

[Caleb Hammer]

Yeah. Until politics get involved. Because people blow up with politics.

[Megan]

We just don't really get political.

[Caleb Hammer]

Like, you're a year in.

[Megan]

I have.

[Kyle]

I think both sides are evil for politics. Like, no matter what.

[Megan]

That's true. I'm honestly kind of with him on that point. Like, it's all just bad. Like, I don't.

[Caleb Hammer]

Extremism is bad, but even. Still.

[Megan]

Bad, huh? It's all just bad. Like, I agree that, like, the three letters.

[Caleb Hammer]

Some have good intentions.

[Megan]

I don't think the government really is out to help the common man. I think it's out to help billionaires get richer. Like, I agree with you.

[Caleb Hammer]

Hey, we have the most progressive income tax system in the entire Western world. To be clear. Federal.

[Megan]

Okay. Why is it not helping Me? Why has the system not helped anybody? I know.

[Caleb Hammer]

Go get a better job. That's your choice to get the education you wanted. What, what did you get? What was your degree?

[Megan]

I got an associate's in marketing.

[Caleb Hammer]

And that's the system's fault that you decided to get an associate's in marketing? That's an interesting choice. You have a little bit of agency. I'll agree. There's some interesting things that like segregation stuff, not good. Government system bad. Not good. You, you're in a position where you can pretty much do anything and everything. You have agency. I don't want to hear the system doesn't help you. Yes. In our capitalism, where our stock market is the best in the world, people get very wealthy with their unrealized gains. That is true. In the ownership of companies that they start or invest in. That is very true. But also the median American has more disposable income than any other western country. That means after all the necessary expenses, essentially health care, all that good stuff. Okay? Disposable income. You got it all. The system didn't prevent you from getting a bachelor degree. The system didn't tell you you have to go work in card games. System help you. What do you mean you don't contribute? You don't contribute. If we're just being honest. System, we're just being honest. You do not contribute to this.

[Megan]

At least I pay my taxes.

[Caleb Hammer]

No, that's what I was saying. You don't contribute to the tax system in this country. No. You're part of the lower 50%, which is not a bad thing. That's not a shameful thing. But the lower 50% that contribute less than 1% of all net federal income taxes in the country, 50% contribute less than 1. We have the most progressive income tax system. How do all the European countries pay for all the good stuff? Bad taxes, sales taxes, national sales taxes. That's a flat tax that hurts people like you. Okay? That's how they pay for the good stuff. Federal income tax. We have one of the most. We have the most progressive western income tax. Okay, so system not helping you. We barely ask for you to do anything. You pay such a minuscule percentage. And what degree you decided to get was on you. You're going to make me sound like the most right winger in the world talking about this, but you're just so beyond victim mindsetted in this. When I heard the system, why is the system helped me? I don't think that's just the most backwards thought.

[Megan]

I'm not Blaming them.

[Caleb Hammer]

Why wasn't the system helping me?

[Megan]

Not me specifically. Why are they not helping anybody?

[Caleb Hammer]

What do you mean they're helping anyone? 50% of our literal federal expenditures in this country go to social. Social programs. 50%.

[Megan]

Okay, let's.

[Caleb Hammer]

50%. Not helping anyone. 50%.

[Megan]

So I.

[Caleb Hammer]

And we spend more than we take in.

[Megan]

I had divorced parents growing up. Correct. That meant one parent had to pay child support.

[Caleb Hammer]

Let me fact check that real quick.

[Megan]

Correct. One parent had to pay child support. Correct. How can that parent get away with not paying child support? Per government orders.

[Caleb Hammer]

Uh huh.

[Megan]

And they just get away with that?

[Caleb Hammer]

Well usually they get arrested for that. Was he working?

[Megan]

No.

[Caleb Hammer]

Well there we go. If he didn't have a job, he can't pay child support. He was avoiding.

[Megan]

They wouldn't.

[Caleb Hammer]

They would pursue. If you go to the court, the court pursues these people like crazy. Absolutely. And they would get locked up 100% and that should be the consequences of their actions. I agree. What do you mean? People get put in. We've had people on this show where their divorced partner or whatever or baby daddy is in jail for not paying child support. They're on the run. Can't just say that doesn't happen. I don't think anyone's going to argue that it's perfect. But I cannot let this conversation before we get into the finances come from the place of self victimhood because we'll never get anywhere. You have agency. You have the ability to do things. There are some things that are shit. Absolutely. But the things you've brought up so far are not. You're barely asked to contribute to the pile. You get more than you give in this country. By far. In terms of infrastructure and programs and whatnot. By far. And grass is always greener. Things look better everywhere else. But not even true. The top income earners in the UK basically make pennies on the dollar compared to here. Even though they get free health care. I know grass is always greener. So before you say why doesn't our system help me? You've. You've been given every opportunity. But it's not perfect. It's not perfect, but no one's gonna hold your hand. Nor are you entitled to that. I'm sorry.

[Megan]

They didn't even pay me unemployment when I filed for unemployment. Like, they literally denied my.

[Caleb Hammer]

You must not have qualified because it is not difficult to get on unemployment.

[Megan]

They denied it several times.

[Caleb Hammer]

Okay. Were you fired?

[Megan]

Yeah.

[Caleb Hammer]

For cause?

[Megan]

Yeah. Not for cause. But my, my. The owner of the business did not dispute my unemployment Therefore he should have been paying it out via the company. But they would not take the fact that I was fired.

[Caleb Hammer]

Like to look into that more.

[Megan]

We totally can.

[Caleb Hammer]

Because it's a truth that it is not complicated. I'll tell you that it is not complicated. We don't give the highest amount in the world in Texas, but it's not complicated to get on it.

[Megan]

But they gave me zero.

[Caleb Hammer]

Guys, what do we think our household, which I guess are we even going to be a household ever? I don't know. But our household financial score is 0 to 10. 0 being the absolute worst. 10 being the absolute best.

[Kyle]

6.

[Megan]

4.

[Caleb Hammer]

You think it's pretty good? Pretty solid.

[Kyle]

Over than half?

[Caleb Hammer]

I don't know.

[Kyle]

Maybe. I don't know. Over the half.

[Caleb Hammer]

Okay.

[Kyle]

My bills.

[Caleb Hammer]

Huh?

[Kyle]

I pay my bills.

[Caleb Hammer]

Do you? Because every time anyone has ever said it in the history of this world, there are late fees. Hopefully you will be the first to break the trend.

[Kyle]

I have late fees? Yeah.

[Megan]

What do you have? Late fees.

[Caleb Hammer]

Why do you say that?

[Kyle]

Because my account has been hacked. And then I got tired of trying to figure out which accounts had to go to what and then all my auto pays got taken off and it was just.

[Caleb Hammer]

You both had a journey.

[Kyle]

Well, thank you.

[Caleb Hammer]

If you want your Hammer Financial score, go to Caleb Hammer. Oh, you interrupted my. My segue. My little segue. Make cute babies. You're not trying to have babies.

[Megan]

I'm not?

[Kyle]

Why would you say that?

[Megan]

We both have nice eyes. That's what you say. Make cute babies. Okay, continue with your segue.

[Caleb Hammer]

Killhammer.com get your score. It is free. Just takes a few minutes. And make sure to download the new and improved and incredible better than Rocket Mortgage. Dollar wise budgeting and app. It is awesome. New features being launched constantly. That team is incredible. They have just built something absolutely special. Check it out. If you used dollar wise in the past, this is a completely new ver version built from the ground up. We got rid of that third party agency, that kind of everything. So check it out. Dollarwise app. Start a free trial and if you like it, only through the end. Is this going up in March or only through the end of this month? In March can you get my budget friendly cookbook and my personalized meal plan for you signed by me and mailed directly to you. After March the cookbook's going away forever. So that's if you sign up for the annual version. So check it out. Dollarwise.com link in the description below. If budgeting apps make you feel like this is for you Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment. They're failing too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it? You're not alone. That's exactly why we built Dollar Wise. If you want a calm and clearer way to see where your money is going, going, try dollarwise. Download the app today and get a three day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy drink is Game Sauce. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb. Well, I want to learn how you guys disagree about money, but I guess we'll probably get that as we go through. What am I looking at? Creditor accounts.

[Megan]

My consolidation you consolidated.

[Caleb Hammer]

So is this your. Your finances gotten better by. He takes care of all the bills

[Megan]

and then you consolidate your debt Prior to meeting him. This was way prior to meeting him. I've been consolidating those cards for over a year now.

[Caleb Hammer]

Do you think it's not crazy that you're having to consolidate debt at 22?

[Megan]

I do find it a little absurd, but it's the actions. It's the consequences of my own actions. You know, I definitely, I definitely did do that at one Point. And now I just gotta deal with it, you know.

[Caleb Hammer]

Okay. How do you feel about this? You're taking care of everything. Well, she's finally taking care of her own. Only because of you. While your gets and your savings go down, you're not care. You passive. You a. What's happening man?

[Kyle]

I don't know. I don't know.

[Caleb Hammer]

I guess so really, you don't care? Your savings has been drained since she leeched on.

[Kyle]

It's.

[Caleb Hammer]

Well, she takes care of her.

[Kyle]

It's more so. I do love her and I do think that we're going to live together forever.

[Caleb Hammer]

Different though.

[Kyle]

Her money and jobs have gotten better. I. I don't want to say like I was the reason, but I was a very good. I kind of was the beginning of making her quit that shitty job with her shitty boss.

[Caleb Hammer]

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[Megan]

I did, but it was kind of a causation thing.

[Caleb Hammer]

Okay, okay, yes, sure, I get it. But how much did you have in savings?

[Kyle]

At one point I had like 10k.

[Caleb Hammer]

Okay, so she drained 10 and you're paying for all the bills. So she's taking care of her own things because you're here saving the day. This doesn't bother you? Especially a little bit.

[Kyle]

Here I am on this show when we're talking about it.

[Caleb Hammer]

Yeah, tell me. Let it out, man. You don't let things out.

[Megan]

Let.

[Caleb Hammer]

Let it out. What are you actually feeling thinking about this?

[Megan]

This.

[Caleb Hammer]

Because you guys need to communicate about this or else this shit's gonna be horrible.

[Kyle]

For the rest, I just want my savings to come back up a little bit so that I can buy fun little frivolous things again.

[Caleb Hammer]

I'd hope it's for an emergency fund or retirement, but okay, that's a start. Let's get savings up. I do agree. Why was savings drained?

[Kyle]

Rent, definitely. And then bills.

[Caleb Hammer]

You're taking care of all of it because you see that he was draining rent because rent was going because Rent was there to his grandmother, and you didn't chip it at all, even 25%. You made enough to trip.

[Megan]

You communicated to me. How am I supposed to fix the problem if I don't know what the problem is? Can you blame me?

[Kyle]

I passively aggressive say it all the time.

[Megan]

And that's supposed to tell me exactly what I need to know?

[Kyle]

And sometimes she'll be like, do I need to give you money? I'd be like, no, babe, it's okay.

[Megan]

And then I offer, and you tell me, no. I'm sorry, what story are we portraying here?

[Kyle]

The one where you're just supposed to know that you should chip in a little,

[Megan]

but when I offer, I'm told,

[Kyle]

no, that's not true. You've given me, like, three or four hundred dollars a few times.

[Megan]

I have.

[Kyle]

Right.

[Megan]

What's your point here? So do you want me to contribute? Yes or no?

[Kyle]

Yes.

[Megan]

How much do you want me to contribute? Guess how much gets you back to your savings?

[Kyle]

It would be awesome to have half of the rent paid. I can pay all the bills.

[Megan]

Well, what is the mortgage? I don't know any of this.

[Kyle]

1500. You know the rent's 1,500.

[Megan]

No, I don't.

[Kyle]

Oh, yes, you do.

[Megan]

No, I don't.

[Kyle]

Okay. All right. I guess not. My bad. Yeah. Britain's 1500.

[Megan]

I don't know how much electricity is. I don't know how much water is. I don't know how much any of it is. You've never told me.

[Kyle]

They used to be about 100 each or so. Now they're about 200 each.

[Megan]

Okay, do you want me to start contributing to those as well? Rent and.

[Kyle]

No. If you could just give me $750 a month, that would, like, help.

[Megan]

Okay.

[Caleb Hammer]

You guys have never talked. How do you not know what the rent is?

[Megan]

Dude never told me what the.

[Caleb Hammer]

Never asked, but he's been. Okay, well, who's required to move first? It would be nice of you to ask, but if you need help, you need to not be passive aggressive. You need to say, I need help. Yeah, you're pussified and you're selfish. Like, why would you not offer or ask even what the rent is? Like, hey, what's the rent? I'm curious. You know, we. I just moved in. What's the rent? If I'm moving in, I would be curious to ask what the rent is.

[Megan]

I mean, I looked the house up on Zillow, so obviously I knew how much it was there, but I didn't know how much it Was in actuality, I didn't know if his grandma was taking any of that. I didn't know how.

[Caleb Hammer]

How quickly did you guys move in two months? Is that maybe the issue here? Are you guys just speed running this thing? I mean, she's already ready to get.

[Megan]

I'm not ready to get married right now. Just in the future.

[Kyle]

In my mind, it was a better financial decision because she was living in an apartment that was expensive and they kept doing all sorts of bullshit extra fees and whatnot. So in my mind, it was like, hey, I don't have to drive to her house every other day going after work to hang out with her. We can just go home to the same house. She can help me pay rent. Now we don't have two.

[Caleb Hammer]

She can help me pay rent. Well, why didn't you advocate for that then, at that moment, if that's what

[Kyle]

was in your head at that time? I was making the most I've ever made, so I wanted to be that gu. That was like, you're fine, babe. Just hang on to it. You know? But I guess I didn't realize that it was going to be forever.

[Megan]

I didn't realize it was not going to be forever.

[Caleb Hammer]

So consolidating all your debt before changing any behavior because you're not encouraged to because he's taking care of all the bills. You don't need to know how to budget to save your life. Is this really a smart play? I don't know. It's $7,444.60 with 167 hours a month, so it's even the right play at this time. You immediately got into a situation where another guy take or a guy takes care of our bills. How long were you single in between? Between him touching your nips with that other guy and.

[Megan]

It was a couple of months.

[Caleb Hammer]

It feels weird. Feels weird. A couple months of single and then moving in after a couple months feels odd. Well, also, especially when all the bills are taken care of and you're never once asked to step up.

[Megan]

Up. Another thing when we moved in together is we both have a lot of animals. And taking care of those animals, like, making sure we always made time for those animals, became really difficult when we were spending time with each other.

[Kyle]

That's true.

[Megan]

So we wanted to combine our animals and make sure they were just all in one place where we could take care of all of them at one time.

[Caleb Hammer]

Four cats and four bunnies. That's five cats. Okay. Yippee. I guess. Sure. I mean, I guess we can Find good excuses to move in. Quick, decent excuse. Listen, your entire thing isn't just hanging out with him, though, and taking money from him and draining him and him taking care of all the bills so that you can pay this off. It's not just that you've been bailed out from your structured settlement that you brought up earlier in borrowing inheritance money from your mom. You've never actually taken care of anything. You haven't changed any behavior. You're taking shortcuts all along the way from him, from his savings, from his rent, his roof, to the. What is the structured settlement?

[Megan]

I was in a car crash when I was about six months old, and I flew forward in my car seat.

[Caleb Hammer]

Six months old?

[Megan]

Yeah, I flew forward in my car seat and I cracked the entire back of my skull open. And basically we weren't at fault, so we.

[Caleb Hammer]

I don't think you would have been.

[Megan]

Yeah, I definitely wasn't. So now I get settlement money. I get a couple. A good chunk every, like, third birthday or so since I turned 18.

[Caleb Hammer]

What's a good chunk? Every third birthday. And how long does it last?

[Megan]

The last one, I believe, is when I'm 32 or something like that.

[Caleb Hammer]

And how much do you get?

[Megan]

The very last payment's 32,000. Every one before that is an increment of two.

[Caleb Hammer]

And you have nothing to show for this. So you get 10,000 bucks a year, essentially.

[Megan]

Not a year.

[Caleb Hammer]

I know, but you could spread it out.

[Megan]

I can't. I can't touch that money. It's not physically available to me. I only get.

[Caleb Hammer]

What are you doing against it? You're barring against it.

[Megan]

I just get it on my birthday. It gets deposited into my bank account on the birthday.

[Caleb Hammer]

So you do get it. So basically you get $30,000 every three years?

[Megan]

No, I get. It was 5,000 when I turned 18, 10,000 when I turned 21.

[Caleb Hammer]

So it's ramping.

[Megan]

Yes. And then it's going to be 15,000 is the next one, 20,000 after that, 25. And then the 32.

[Caleb Hammer]

And 32 is the last.

[Megan]

Yes.

[Caleb Hammer]

Okay, but you're literally getting just free money.

[Megan]

Yes.

[Caleb Hammer]

For years.

[Megan]

Because I.

[Caleb Hammer]

So far. I know.

[Megan]

Well, supposed to be.

[Caleb Hammer]

And you have nothing to show for it other than building up a lot of debt and then consolidating it and then borrowing from your parents.

[Megan]

Yeah, just about.

[Caleb Hammer]

And this is what you want to latch yourself to? Libertarian, the guy who has.

[Kyle]

That's why we're on this show.

[Caleb Hammer]

Self responsibility for everything. Yeah, but I can't change someone's mentality. Oh, maybe a little, but not like they're like their worldview point. I mean, you should know that more than anyone.

[Kyle]

Yeah.

[Caleb Hammer]

Your worldview is insane.

[Kyle]

I know. So I just think that we're all human, so we all have flaws. And if this is a flaw, then,

[Caleb Hammer]

well, fighters kind of run everything.

[Kyle]

Yeah, I know. That's why I hate this world. Money sucks.

[Caleb Hammer]

Yeah. But we do need a method of exchange. We kind of struggled with that as civilization throughout the history of forever.

[Kyle]

Dude, if I could just go pick up some shiny rocks and we could trade those.

[Megan]

Those.

[Caleb Hammer]

Yeah, they didn't work very well.

[Kyle]

I think it would be a better place again.

[Caleb Hammer]

Okay. Yeah, let's go back to that.

[Megan]

Why don't we go back to drawing pictures on stone walls as well to tell stories.

[Kyle]

It was cool. They used to do that by the fireplace. They do two different kind of images, and then they let the.

[Caleb Hammer]

But you'd be at the end of your life expectancy by now. But people didn't live long when the world was like that. Yeah, well, I think I'm happier now. Okay. Okay.

[Kyle]

We got a lot of mic.

[Caleb Hammer]

Either way. You're okay with this? You're okay with this? She has nothing to show for that. What about the borrowing from our inheritance? What does that look like?

[Megan]

So far, it's only been as needed, so I had to pay.

[Caleb Hammer]

As needed. What's as needed? He pays for everything. And you make you sell your cheeks.

[Megan]

I had to pay off the apartment that was charging me money.

[Caleb Hammer]

What do you mean charging you money? Yes, Apartments charge money. Weird.

[Megan]

So I had already planned on moving out. My lease was supposed to end December 26th.

[Caleb Hammer]

So she won't help you with your. With rent. With both y' all's rent. But she couldn't even pay her own rent.

[Megan]

She won't even pay her own rent. That was part of the issue.

[Caleb Hammer]

How much have you borrowed from your inheritance?

[Megan]

I want to say like, 3, 400.

[Caleb Hammer]

Yo, while getting the settlement. While draining his savings.

[Megan]

I have gotten settlement money into. In two years.

[Caleb Hammer]

You are still getting more money than anyone gets for free for nothing. You're not, as far as we know. So, like, like, you know, you're just getting free money. Like, that's good. Do you understand what I am starting to see here, though?

[Megan]

If my patterns don't change, then what's the.

[Caleb Hammer]

It's not just that. It's your entire. This is your identity. This is your. This is your life. This is how you live it. And you're dragging him into it. And he's too much of a cuck to say anything or do anything or a simp. I don't know.

[Kyle]

Not a simp.

[Megan]

Not a cook, not a cut simp.

[Kyle]

Not a simp.

[Caleb Hammer]

You're simping a little, dude.

[Kyle]

I guess to her. I guess. Yeah.

[Caleb Hammer]

Well, that's what I'm saying. I didn't say you're simping to me.

[Kyle]

Well, like, usually it's like just to women, I'd imagine. But yeah, no, you're so. I guess I am my girlfriend's simp. You're right.

[Megan]

I hope you're not a simp for other women.

[Kyle]

That's what I was trying to say.

[Caleb Hammer]

That grip must be Elite because you were giving up up everything right now.

[Kyle]

Am I?

[Caleb Hammer]

Yes. You've given up your savings. We'll seeing the pattern that she's done her entire life and not caring about.

[Kyle]

I think also because I've heard about her credit card situation and there was multiple times where she was like, it's so much better now. And I didn't really elaborate. Ask her to elaborate. So I think I kind of thought that meant like, oh, it's pretty much all better now. Maybe now since she's not paying on her credit card, she can help me with rent.

[Caleb Hammer]

But good luck then.

[Kyle]

That hasn't happened.

[Caleb Hammer]

How much is in your inheritance? Because you should put that into a savings. Is that fair what you've done?

[Megan]

No.

[Caleb Hammer]

We're gonna call the mom in the post show, so make sure to subscribe to Hammer Elite for that.

[Megan]

I don't know. I don't want to know. I don't want to ask. That's not right. It's not my money. It's not my business to know.

[Caleb Hammer]

Yeah, you're pulling from it. What the. What is this moral masturbation that you're doing right now? You're pulling from it?

[Megan]

Yeah, if my mom wants to give it to me because we have the. The ability to, then, yeah, I'll take it. But I'm not going to take more than I can.

[Caleb Hammer]

But you don't even know what you can take.

[Megan]

She would tell me otherwise.

[Caleb Hammer]

She wouldn't just let me take out Indigo. Whose card is this?

[Megan]

That's mine.

[Caleb Hammer]

Okay, well, you are over the limit by $155.94. Yeah. Attach yourself to this. Fees charge, interest charge, four years to pay off with minimum monthly payments only without any purchases you can't purchase. Now you're over the limit, bro. What is going on here? Okay, you owe $1,155.94. What are you doing? What's up with the Indigo card?

[Megan]

That one?

[Caleb Hammer]

What have you been doing?

[Megan]

Honestly? Interest kicked my ass with that one.

[Caleb Hammer]

Well, no. If you make your minimum payment and you do not purchase, your interest will not put you above the limit. It will not.

[Megan]

It was just for that. That this particular instance of that card being over the limit. It was the interest.

[Caleb Hammer]

No. Unless you're purchasing. It doesn't. Because if you.

[Megan]

I was purchasing. There you go.

[Caleb Hammer]

Because if you make your minimum payment. A credit card is not structured to go above the credit limit. If you make your minimum payment, it barely moves the needle, but it won't go above. Unless you purchase to the max and then the interest hits before you make a minimum payment, which is what you did. And now it's only going up because there's over the limit fees and it's getting. And you're not doing anything. Even though he's taking care of everything, you're not doing anything. No maturity, no sacrifice, no anything. You want to get married? You want to drag them into this? How's that fair? At least you guys aren't having kids so we don't have to worry about other people's lives that didn't consent to it.

[Megan]

Amen to that. Naked.

[Caleb Hammer]

Really? Yeah. But aren't you. It's different when it's your own.

[Megan]

I don't like them.

[Caleb Hammer]

Scare you?

[Megan]

I don't. I didn't get that maternal instinct. I don't. I don't care at all about children. Like, they're cool. They're fine. Protect them. They're. Keep them safe.

[Caleb Hammer]

I don't need to be a little maternal.

[Megan]

I don't. I don't care about him. Otherwise.

[Caleb Hammer]

You do you. I don't give a. Dude. It's at a 36 interest rate. You got it? Why? Why? Why are you not bringing this to below the limit? If he is taking care of everything and you have the money, why aren't you taking this to below the limit? What irresponsible behavior is this? Well, taking money from your narrative. What is this? This is a pathetic joke. You can take it above the below the limit in a snap of the finger even with your previous income. What are you doing? What are you doing? Why are you acting like a child?

[Megan]

22.

[Caleb Hammer]

Okay, so not a child for four years. So why are you acting like a child?

[Megan]

I don't. I don't know any better about finances. I don't know.

[Caleb Hammer]

No one does. You're 22. You have access to more resources than anyone else in the history of humanity. I've been using Rocket.

[Megan]

Help me.

[Caleb Hammer]

There you go. There's more resources. Again I'd use dollar wise. But regardless, it doesn't matter. You have access to all the AI search engines. You have access to all the search engines. You have access to YouTube. You have access to any book, a library or not. You have access to. Huh.

[Megan]

Liberry. L, I B E, R, R Y.

[Caleb Hammer]

That's how I say it. Some people like 50% of people in Michigan say it like that.

[Megan]

It's wrong.

[Caleb Hammer]

Okay. Huh.

[Megan]

There's two R's girl.

[Caleb Hammer]

I'm not going to listen to someone that has that many holes in their ear.

[Megan]

Ears.

[Caleb Hammer]

Yeah, but your left ear is extra special.

[Megan]

Aw, thank you.

[Caleb Hammer]

You have access to more resources than any 22 year old has ever had. Did you hear first report, first scientific study that has ever been done. Gen Z is the first generation to get less intelligent than the previous generation in the history of humanity. IQ scores are lower. It's likely the phone, but you can at least use that to your advantage. The phone can give you any learning opportunity. You are proving the point. Well, I don't know anything about finances. No one does. You learn it. You learn it and it is your choice. But you're given more opportunity than anyone. Butchering app success today like never before. Search engines, AI, you name it. Books, they keep stacking. You don't get that excuse anymore. You really don't. 18. I'm not you know, hounding you at 18, but by the time you're 22. Yeah post college you should know something. You got an associate's degree, you have skills. I'll let you just use the fizz card instead of this card. It's a debit card that builds credit. And when you want to make more money. Many people in our audience have used the course career certification to change up industries or boost their resumes. Do that. That'll help you make more money. So I'll get you one of those for free or you whoever wants it can get it and thank you. Stop this stuff man. You have the responsibility to take care of you and the interest and fees that you're in are your fault. Not that I don't know anything about personal finances. You know what happens when you learn you don't know anything about personal finances? Learn them right? Isn't that the answer? Listen, I will relatively almost excuse it if it's. You don't even think about the fact that you don't know anything about personal finances. Because then it's ignorance. Ignorance is Bliss, man. But the fact that you don't know that. That you know for a fact you don't know anything about personal finances, that's when you're just purposefully putting it off. You're choosing to not learn anything, and that's inexcusable. You don't. You don't get to take the victimhood at that point anymore. You don't.

[Megan]

What do you think I'm doing here?

[Caleb Hammer]

I don't know who dragged who. He seems to be the one that wanted to be here. Here because he's concerned about you. First, he applied. Second.

[Megan]

Yeah, that's why.

[Caleb Hammer]

It's effortless. You guys are weird.

[Kyle]

I applied because she said she did and then she didn't get on. I was like, oh, well, maybe I can get on. I didn't think I would, but here we are.

[Caleb Hammer]

Who has the freedom card?

[Kyle]

Oh, that's mine. That's me.

[Caleb Hammer]

Did you have this in a balance before you met her?

[Kyle]

No, I did not have that. I got that three months ago.

[Caleb Hammer]

Three months ago, I was already going up to 347.33. It's rampant. I didn't even use with fees, Mr. I pay my bill. Just had a late fee this month.

[Kyle]

On the. On the. Yeah, it's because I forgot about it. I forgot it's there.

[Caleb Hammer]

Oh, it's weird how that always works.

[Kyle]

No, I did on time.

[Caleb Hammer]

He didn't.

[Kyle]

Yeah.

[Caleb Hammer]

So he. I saw it late, an extra $40.

[Megan]

Got a 40 on the chase app, the app you use for your bank.

[Kyle]

Yeah. You didn't see it because you have to scroll down. I usually just click edit to see what the account is. Yeah.

[Megan]

And you just know.

[Kyle]

But also it was something like. I wasn't. I was supposed to use like. Like $300 of it or something in the first month to get a bonus or some. And I. I didn't. I forgot about it.

[Caleb Hammer]

Yeah. It's still your responsibility, dude. Set a reminder. Put it on autopay. I don't know. Whatever you got to do, take care of it. Put it in your budgeting app. Dollar wise, you do it, man.

[Kyle]

Yeah.

[Caleb Hammer]

All right. I just got to know. I will say this. You quit vaping.

[Kyle]

Okay. Yeah. Nice.

[Caleb Hammer]

That deserves a W. Yeah, it really does.

[Kyle]

Thank you.

[Caleb Hammer]

That's actually really big.

[Kyle]

Thank you.

[Caleb Hammer]

And that shows an indication of behavior, that you can take control of your life, which is important.

[Kyle]

Right?

[Caleb Hammer]

What?

[Kyle]

I did start smoking cigarettes.

[Caleb Hammer]

I am so excited for you guys to finally get your hands on what I've been working on for a year. The Brand new dollar wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt dollar wise. And it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time. Or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now. Take your free trial to test it out and get the monthly plan at a 33% discount for three months. Or take the annual plan for an insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to Dollar Wise.com or click those links below. Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon. A game changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever. And Dollar Wise is about to alter the future of personal finances. We know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting. What are we doing here, Guys? What are we doing here? What are we doing here? What is. What are we doing? Caleb, Caleb, can you show them the new Dollarwise logo? Introducing Dollarwise reimagined.

[Kyle]

Dollar wise.

[Caleb Hammer]

Rewrite your money. Spoken. The old dollar wise is dead.

[Kyle]

For the first time.

[Caleb Hammer]

Why type that to me? Why? That's objectively worse.

[Kyle]

Wait, what is it? Okay, I'm only smoking like one pack a week.

[Caleb Hammer]

It doesn't matter. Dude, that destroys your lungs. Why go from vaping to that? I know the nicotine's lower, but like, because I was.

[Kyle]

That's like puffing on the e cig for. For 18 hours a day. Like straight. Like every 15 minutes.

[Caleb Hammer]

Yeah, how about like, not either?

[Kyle]

I'm addicted.

[Caleb Hammer]

Yeah, I'd rather use Zen though.

[Megan]

That's bad for your gut.

[Caleb Hammer]

Yeah.

[Megan]

Okay.

[Caleb Hammer]

He's destroyed his lungs though. That's worse. There is almost nothing worse to your body that you could do that like smoking cigarettes.

[Kyle]

Okay, well, I'm doing it to. I'M not talking nature meth completely because.

[Caleb Hammer]

Oh, okay. That's what most people do when they pick up cigarettes.

[Kyle]

You smoke Working for me.

[Megan]

I vape.

[Caleb Hammer]

Of course you do. What is wrong with you,

[Megan]

bro?

[Caleb Hammer]

You picked up six nasty. You make out with that?

[Megan]

I do.

[Kyle]

She started it.

[Megan]

I don't kiss him for a while after he smoked cigarettes, though.

[Caleb Hammer]

Do what?

[Megan]

I don't kiss him for a while after he smokes cigarettes. He stinks.

[Caleb Hammer]

Yeah, it's nasty as. You want to smell like that. You want to be that guy?

[Kyle]

No. But I'm also angry when I don't have nicotine withdrawal or when I do

[Caleb Hammer]

have nicotine with nicotine patch. Like, I don't. I don't Wayne in any way other than cigarette man.

[Kyle]

Okay.

[Caleb Hammer]

Do the oral fixation thing. There's like those. Those things that it's just like no nicotine, you know?

[Megan]

Yeah. I have nicotine free vapes because I've been. I've been on a journey to quit too. So we've been testing different things.

[Caleb Hammer]

Patches, gum, ton of weed, apparently.

[Kyle]

Oh, yeah.

[Caleb Hammer]

This episode is brought to you by State Farm. Listening to this podcast.

[Kyle]

Smart move.

[Caleb Hammer]

Being financially savvy.

[Kyle]

Smart move.

[Caleb Hammer]

Another smart move.

[Kyle]

Having State Farm help you create a competitive price when you choose to bundle

[Caleb Hammer]

home and auto bundling. Just another way to save with a

[Kyle]

personal price plan like a good neighbor.

[Caleb Hammer]

State Farm is there. Prices are based on rating plans that vary by state.

[Kyle]

Coverage options are selected by the customer. Availability, amount of discounts, and savings and

[Caleb Hammer]

eligibility vary by state. Oh, and you pay for it all. That's great. Dude, do you pay for anything? What the is wrong with you?

[Megan]

I pay for groceries. I pay for our insurance.

[Caleb Hammer]

Groceries. Dude, your grocery spending. Your grocery spending. It was so small. It was so small that it doesn't even have a number next to it because we couldn't fit it in the pie chart. It was 1.3% of the spending. I don't know the dollar amount because it was that tiny. I pay for the groceries off. Let me look at the spreadsheet. I'll see it there. $87.

[Megan]

It's Amazon Fresh, is what I use for groceries. So it might just be put under an Amazon category, but it.

[Caleb Hammer]

Why pay extra? I don't get it.

[Megan]

What?

[Caleb Hammer]

Why pay extra? I don't get it.

[Megan]

Pay extra for what?

[Caleb Hammer]

Yes, Amazon Fresh. You have to subscribe to Amazon Fresh or else you pay fees.

[Megan]

It's just a regular prime subscription and

[Caleb Hammer]

prime, but you have to subscribe to Amazon Fresh. Extra fees.

[Megan]

No, no, no, no. What it's just a prime subscription and

[Caleb Hammer]

they deliver it to location.

[Megan]

I don't know, but it's Amazon fresh.

[Caleb Hammer]

Has been the most cost effective, even with curbside pickup. Still, it is a fee added to an item that is hidden. You might still be paying more per item and you don't even know it.

[Megan]

It's less. I've compared it to actual inside grocery stores. It is less.

[Caleb Hammer]

I hope so. I hope so. How much do we smoke weed, guys? It's nice out. Who's trying to chill? Smoke some loud. Feel me.

[Megan]

Every day, at least twice a day.

[Caleb Hammer]

What is wrong with you guys? In what form?

[Megan]

Bong rips. Can we say that on YouTube?

[Caleb Hammer]

Yes. Whether or not we censor, I don't know.

[Megan]

Ripping that bong, just.

[Caleb Hammer]

Okay.

[Megan]

Fully dominant like a shot.

[Caleb Hammer]

Getting pot sewn off the stinky blinky skunk skunk 12. Well, it's better than a blunt or something when it comes to your lungs. I want to get sponsored by backwoods cigars, man. Everybody send and tag backwards. But we are finding, like, listen, I was more pro weed for a long time until a lot of research these last couple years have come out. There's not. There's. Well, font one just no positive impacts. But. Okay, that doesn't. You don't need positive impacts for something to be okay to do. But we're starting to see a lot more negative impacts. More negative impacts. Not like a, you know, know, heroin or meth addiction, but people's lives, like, when they stop smoking weed, they do not find the joy in the things they do as much anymore. Like those actual negative things that are happening. Brain development especially. I mean, there is a part of. You're not a child to be very clear. I need to make that clear. But as your brain is still finishing up the last like 1%, you can put that. You really can. I'm making or break your life. But it is important. Also sedates. It's just like, there's a lot of good shit that's not coming out about it. Even like the wine. One glass of wine. Now all we. We know that all the negatives still dramatically outdo any positives that come with it. It's just like, why. Why do this in twice a day? You guys are kind of like, but we don't drink. You're closer to the addicted side, though.

[Megan]

I could definitely stop smoking weed.

[Caleb Hammer]

Easy. That's what everyone says until they do.

[Megan]

No, weed's easy to quit. I mean, compared to nicotine, like having

[Caleb Hammer]

the withdrawal compared to nicotine. Nicotine is Actually, one of the worst. It's one of the hardest.

[Megan]

That's what I'm saying. Weed is just so easy. Like it. It's very easy to just make your mind up and go, I'm not going to smoke. Like, I hope so. And it takes more effort to smoke.

[Caleb Hammer]

It's not good for you.

[Megan]

I don't think I'm going to give up smoking weed.

[Caleb Hammer]

It's also not good for your budget. How much you spending?

[Megan]

We used to get it for free.

[Caleb Hammer]

Used to? You don't used to means not anymore.

[Kyle]

We didn't get it for free.

[Caleb Hammer]

What do you mean you didn't get it for what? What. Why? What was talking about with.

[Kyle]

Yeah, okay, right. So one of my friends needed a thousand dollars to cover court fees to see his kid or something like that. So I gave him a thousand dollars and he was going to pay me back over time. And he was also selling weed. So I was like, hey, bro, just give me a hundred bucks of weed every week instead, and then that'll, like, you understand.

[Caleb Hammer]

Based on how she's lived her life, she thinks everything's free. Starting to make sense now. How much are you paying now? Per month or week?

[Kyle]

On weed?

[Caleb Hammer]

Yeah, it's like.

[Kyle]

It's like a hundred bucks every other week. Maybe not even.

[Caleb Hammer]

Even still. That could cover insurance and whatnot.

[Megan]

I pick for insurance. Car insurance, health insurance. Health insurance.

[Caleb Hammer]

You don't get it at a job.

[Megan]

He doesn't get any.

[Caleb Hammer]

Do you get yours at your job? Well, then you don't pay for it.

[Megan]

I do pay for it. It's extra. If I was just.

[Caleb Hammer]

Yeah, you pay extra, but your company likely still covers 50, 60, 70, 80% of it.

[Megan]

You're paying $300 a month for.

[Caleb Hammer]

If you're paying $300, that means your company is probably paying like a thousand dollars.

[Megan]

I mean, how much are you guys

[Caleb Hammer]

paying your health insurance premiums on a monthly basis? A few hundred bucks, probably. Yeah, something like that. And yet they still do that. And we're covering. Covering. I think it's 80 or 90% of it. Trust me, you're not paying for it. But I understand what you mean. Sorry, I don't mean to just harp on you. I understand what you're saying, but it's not. You're not paying in the private marketplace,

[Kyle]

it's still 300 bucks out of her paycheck every.

[Caleb Hammer]

Yeah, yes, but that is very. For two people, that is actually not bad. That is not bad.

[Megan]

Full coverage. It's forever.

[Caleb Hammer]

Exactly. That is not bad for two people. Oh, my gosh. Okay. I'm gonna move on from that. I just don't think you've ever had any experience in the real world. I'll be honest. Eecu.

[Kyle]

My car, my Mustang.

[Caleb Hammer]

It's your car at a 14. You're a Mustang driver?

[Kyle]

Yeah, yeah, yeah.

[Caleb Hammer]

Why? Why?

[Kyle]

It's American V8.

[Megan]

Now, you care about America, but you hate the government.

[Kyle]

American built. Yeah. You gotta have some sort of respect for your country you live in. Now. My mom had a Mustang growing up. When I was a little kid, my grandpa worked at a Ford dealership, so I was always getting Hot Wheels and posters.

[Caleb Hammer]

Well, it's a 14, and it's $8,887. Well, it's worth 5. You know, almost 9,000. Well, it's worth 5. Okay. At 14%. This is not good. Dude. This minimum payment's also juicy at $584.01

[Kyle]

as well, but only 36 months. That's why I thought it was.

[Caleb Hammer]

Why'd you have another car that you bought last year and a motorcycle? What the is happening here? Why do you need all this?

[Kyle]

Well, ideally it was to not drive the Mustang as much.

[Caleb Hammer]

Get rid of the Mustang. Get a better one when you can afford it. I don't want half all your dad.

[Kyle]

I want that Mustang for the rest of my life.

[Caleb Hammer]

That. What is it?

[Kyle]

It's just a 2011 convertible. It's blue. It's awesome.

[Megan]

It's all right. It's a car. It. Honestly, it's broken more times in our relationship than my car ever has.

[Caleb Hammer]

But not as broken as your relationship trip.

[Megan]

Damn.

[Kyle]

It's only broken once.

[Megan]

Twice.

[Caleb Hammer]

Wait. This is delinquent.

[Kyle]

What?

[Caleb Hammer]

Oh, that mean this is delinquent.

[Kyle]

I don't know what that means.

[Caleb Hammer]

You're not paying it or you're behind enough for it to be in delinquency.

[Kyle]

Oh, I think I've always had it paid. I think this last one I had to pay was an overdraft or something because.

[Caleb Hammer]

Or not, you didn't have enough money in your checking account.

[Kyle]

It's not that. It was. It was Autopay, but my account, my actual bank account, not just my card, got hacked. So then I had to get an entirely new checking account. And then Delinquent.

[Caleb Hammer]

Would delinquent only be one late fee?

[Kyle]

One late.

[Caleb Hammer]

I don't know. I. I can't see your payment history on here. Unfortunately, you have credit karma on your phone.

[Kyle]

Credit karma? I don't know.

[Megan]

No, he does not. I'll tell you right now.

[Kyle]

There we go.

[Caleb Hammer]

Those capital one saver mine back to Megan. $568.69. Eight. Sorry. And you have a minimum to payment 18. That's not even that crazy. Why the aren't you just paying this? I don't get it. It takes three years.

[Megan]

This one's part of the consolidation.

[Caleb Hammer]

You're okay. Okay.

[Megan]

That's part of it.

[Caleb Hammer]

Okay. Oh, well, yeah. I mean, it was brought down to 1.9, so it's paying it through that. I understand. You could just paid off so much quicker at a 1.9%. Ray. I might not though. Okay, whose cash app am I looking at?

[Kyle]

Mine.

[Caleb Hammer]

Okay. Money from people. 2015, 15:54. Just getting random money.

[Kyle]

Just food. Yeah, back and forth.

[Caleb Hammer]

Chase, who has eight bucks and ten cents. What is wrong with you?

[Megan]

I don't have eight bucks and ten cents.

[Caleb Hammer]

He takes care of everything. No, it doesn't matter. You did at this point and that's all that matters. This. This was literally a couple weeks ago. So your statement ended a couple weeks ago. Like, yes, it's always going to go up and down, but the fact that you let it while he takes care of all the bills, down to $8.10 is madness. That is actually madness. Amazon grocery subscription. I told you. I told. See, that's why it's free to you, because you pay a subscription. I told you, you have to have a subscription.

[Megan]

I thought it was part of nothing Prime.

[Caleb Hammer]

Oh, God. What is wrong with you? $340 of fees last month. Wait. Oh. Apple Bill, Prime Video, Dutch Bros. Well, we're getting fees going in here. Some selling out. Five bucks Uptown cheesecake, Taco Cabana where we're getting fizz. Apple Bill, Chick Fil A go in a second. It's a Burger King overdraft, Steam games where we overdraft and then overdraft and then overdraft. Amazon, Petco, Amazon, Amazon, Dennis Mike's Bakery,

[Megan]

scrap sites, stream labs.

[Caleb Hammer]

Oh, for sake. And what are you making off Twitch?

[Megan]

I don't.

[Caleb Hammer]

Huh? How many followers do you have?

[Megan]

Around 100. I'm not affiliate yet. I haven't done the full process.

[Caleb Hammer]

Getting affiliate is the easiest thing in the world. You stream like five days.

[Megan]

I. I don't have to. I didn't have time to stream five.

[Caleb Hammer]

You don't have time?

[Megan]

I didn't of two jobs. I did.

[Kyle]

I don't want to get in that.

[Megan]

No, you defend me. I'm working two jobs. I did not have time to do this.

[Caleb Hammer]

It doesn't sound like it.

[Megan]

I would get home. I would be gone from 7 in the morning to 11pm how many days a week? Three. There's seven in a week. You want me to stream five days a week?

[Caleb Hammer]

Yes. Welcome to streaming and content creation. Is that what you want to do or not?

[Megan]

Oh, you are a child transitioning into it. That's what I wanted.

[Caleb Hammer]

To transition it into it. What the do you do? Oh, my God. Don't stream. Don't stream.

[Megan]

Why? You don't want to see my beautiful face anymore?

[Caleb Hammer]

It's an okay face. I mean, unfortunately, you cover it in facial reconstruction. Like piercings, but it's like facial reconstruction. Altering, altering, wild. Altering, altering, not reconstruction. It's like, what are you doing? You work three long days. That's what nurses do. Like eight days a week.

[Megan]

And they get paid way better than I do.

[Caleb Hammer]

Yes, baby sugar got a better degree. Welcome to the system. Didn't do it to you. You did it to yourself. You. You overdraft to yourself again, so you get a Steam game, dumbass. Mike's Bakery overdraft for your stream laugh. You can't even stream five days a week.

[Megan]

You overdraft again for overlays on stream.

[Caleb Hammer]

Oh, you're overdrafted for it. That's madness, Child. Overdraft, overdraft, Overdraft. Over. What the is this? Leave, leave, leave, run. Leave a thousand dollars in overdrafts. Oh, pull up your Amazon.

[Kyle]

What does overdraft mean exactly?

[Caleb Hammer]

She didn't have enough money, yet she still purchased Streamlabs and Steam games.

[Megan]

All groceries. I'm not kidding.

[Caleb Hammer]

Oh, let's see. Oh, let's see.

[Megan]

Go orders.

[Caleb Hammer]

Give me giv. I'm also gonna look through your guys's text messages in the post show as well.

[Kyle]

Gonna be pretty gay.

[Caleb Hammer]

That's what I want to see. Okay, yeah. Ben and Jerry's Critical Groceries is in the shopping cart. Groceries, chargers, poop, cat litter. Free scoop. Free disposable crystals. Oh, I used to get those. Yeah, lots of just bullshit. But these aren't like necessary groceries, man.

[Megan]

Cat food bunnies.

[Caleb Hammer]

Her I buy groceries for the household is Orville popcorn. The three rolls fly strips for the home Xbox, wireless controllers.

[Megan]

That was his birthday present.

[Caleb Hammer]

You already got it?

[Kyle]

Yeah.

[Caleb Hammer]

Oh, okay, okay, fine, fine. A pasta sauce. I'll allow that one. A candle warmer, car charger. I don't give a. You're still purchasing a Pepsi. This isn't necessary to survive one once. I'll get you. I'll get you our meal plan. Okay, I'll get you a meal plan. You can also get the grocery list and our debt class that comes with the master your money program, which you guys get for free.

[Kyle]

But.

[Caleb Hammer]

What the is this? This is a joke. It's also. See. Oh, what the is. What have you done to your phone? It's all pink.

[Megan]

What are you doing in my settings?

[Caleb Hammer]

You know, snooping around. You pay for Dropout? You actually pay for Dropout.

[Megan]

I love Dropout.

[Caleb Hammer]

Yes. It's not as good as Hammer Elite, but I appreciate it.

[Megan]

It. They're. They're good.

[Caleb Hammer]

No, that's good. And I post. Yeah, that's fine. Crunchyroll. Don't need that to survive right now. So does that mean this is your checking account with 2,000?

[Kyle]

Yeah.

[Caleb Hammer]

Leave Amazon, Apple, Bill, McDonald's. It's still insane amount of.

[Kyle]

Oh, yeah.

[Caleb Hammer]

When you have freedom and a bad car, which you should pay off. The freedom I just wipe out. Why are you bringing money up on there? If you're spending your checking account that you can't afford. Doesn't make any sense. And also, just pay your taxes, buddy. Why get arrested? It doesn't make any sense. No, none of us like taxes. But I mean, I'm sorry, you're not in an aggressive tax percentage anyway.

[Kyle]

Oh, good.

[Caleb Hammer]

It still sucks. But just pay.

[Kyle]

It's the principle.

[Caleb Hammer]

Principle? It's. What's the principle, though? I mean, you do. You drive on the roads, you get the stoplights.

[Kyle]

Money from me for taxes. They can go to the church. There's billions right there. That there's untapped.

[Caleb Hammer]

Okay, but the thing is, you still reap the rewards of living in our society.

[Kyle]

I was forced.

[Caleb Hammer]

You will get Social Security. You in any society. Even in, I don't know, Uganda. Not the you you. Uganda. I'm sorry. But you'll still get, like, taxes and roads sometimes, like at the. Welcome to existing. I'm sorry, we. We didn't consent to it. It still exists. Uber Eats, PayPal, PayPal, Uber, Uber. Smoking, Peace, Smoking, peas, Apple Bill, Mafia. The reason I'm not freaking out as much about this. And it is still aggressively bad. To be clear, one, he's not overdrafting. He's not taking money from other people and taking from their inheritance and, you know, getting piles of money every three years. But it's still stupid. You have a horrible car, you're spending money, you're racking up money on your credit card, and you've drained your savings.

[Kyle]

What do you drive?

[Caleb Hammer]

These purchases are stupid, huh?

[Kyle]

What do you drive?

[Caleb Hammer]

Tesla.

[Kyle]

Oh, your opinion doesn't matter then.

[Caleb Hammer]

More American built in. Your car isn't elon.

[Megan]

An immigrant South America.

[Kyle]

I mean South Africa.

[Caleb Hammer]

Huh. Well, he is an American citizen. First of all, to be clear, his grandparents are from the United States. Also to be clear, don't make me like, I'm not trying to stroke a dick of a man, but I will say it is fully built in America with American shit. Even the car parts that they assemble in America usually for like Ford and whatnot, are made overseas and then brought here.

[Kyle]

I. I know that. Well, at least I'm not in a microwave.

[Caleb Hammer]

What is this? Technology progresses and you want to stay in 20th century technology. Yeah. What are we doing? You want to be in the cold box? Cold box. Instead of getting the refrigerator, I want

[Kyle]

my car running on explosions of dinosaur skin from 2000 years ago. I don't want a car that can be turned off remotely from thousand miles away by one button.

[Caleb Hammer]

I don't like that. I will admit to that part. Yeah. Not the biggest fan of that. Probably a conspiracy. But also refreshing. Wild cherry cola meets smooth cream.

[Megan]

The treat you deserve.

[Caleb Hammer]

Pepsi Wild cherry and cream. Treat yourself probably also possible. Also be generous.

[Kyle]

Yeah.

[Caleb Hammer]

Apple Cash. Dollar Point. Apple Cash. PayPal. PayPal. PayPal. Best Buy, Freddy's Doordash Dash Pass. This is Dude.

[Kyle]

Yeah.

[Caleb Hammer]

And you're doing Victory Ministries.

[Kyle]

Anyway, I don't know what that is.

[Megan]

That's the banana bread.

[Kyle]

They're not homeless. They're crack addicts. Recovering crack addicts. And their banana bread is good. It's good.

[Megan]

It sounds church related counter. And it rotted away. You didn't even eat it.

[Caleb Hammer]

If it's ministries, it's probably church related ranting and raving over there.

[Kyle]

Yeah.

[Caleb Hammer]

Apple bell, Smoking peace. This is so stupid. Dude, you have a horrible debt. You're building your freedom card up. Why? Pay it off and stop spending your bullshit and build up your savings now. It's kind of on you.

[Megan]

The whole thing.

[Caleb Hammer]

Dollar point. Uber eats. Uber eats. You've also had an overdraft this year, so off. You are being a dumbass. Dude. I don't know. Okay, who has 6,000? Okay, so at least you have this. But you, you're definitely dramatically behind in retirement. You need to start now. But you need to pay off your debt first. Guys, I don't understand. I don't know why you're together. Do I budget this household together? Probably not, because you're not going to be together, like financially. So it's like what am I even doing? I don't know how to do this. What do you want from me?

[Kyle]

Well, how do you think we feel?

[Caleb Hammer]

No no, what do you want from me? How do you want me to structure this?

[Kyle]

A budget As a household or.

[Megan]

As a household?

[Kyle]

Yeah, yeah.

[Caleb Hammer]

Okay, okay, okay. $7,800. It's your income. Budgeting as a household actually make sense for you guys do. Is that how you're going to do it? Is Mr. Man going to have that happen afterwards? Your minimum monthly Debt payments are $910.01. What's the rent?

[Kyle]

1500.

[Caleb Hammer]

We're struggling because of that. With your guys's income. It doesn't make any sense. Okay. Utilities. All utilities, including Internet. Just about.

[Kyle]

About 800.

[Caleb Hammer]

That's pretty intense, but okay. It's like car insurance.

[Kyle]

250 together.

[Megan]

No, no, separate 250 plus 197.

[Caleb Hammer]

Gas. Vroom, vroom. Drive. Drive together.

[Megan]

I get gas once a week and it's about $22 to fill up.

[Caleb Hammer]

Yep.

[Kyle]

Mine's about $40 a week.

[Caleb Hammer]

Okay. 248. Car insurance. 447. Phone bill.

[Megan]

My mom pays for mine, of course.

[Kyle]

I don't pay mine either, actually.

[Caleb Hammer]

Get helium when you do, because T mobile is definitely good in that area. Uses those towers for a much cheaper service. Necessary food. Should be able to do 600 for the house, TP fund. Anything else you guys need to survive? 250 should be good. It is. Tampons, all the goodies. Makeup, Whatever medical healthcare co pays. How much? I assume you're an aggressive. Amount of therapy?

[Megan]

30, 50, 75, depending on which visit it is.

[Caleb Hammer]

Okay, well, are there frequents throughout the month you're not in therapy?

[Megan]

I go to the doctor once every three months and that's 30 copay.

[Caleb Hammer]

Okay, I'll just put 10 bucks. Is there a gym?

[Kyle]

No, I have a gym membership.

[Caleb Hammer]

How much?

[Kyle]

20 bucks a month.

[Caleb Hammer]

What the.

[Megan]

Do you have a gym membership?

[Kyle]

I've always had one.

[Megan]

Do you go in a gym ever?

[Kyle]

It's emergency. I used to.

[Megan]

You'll never win. Ever in the entire time we've been together.

[Caleb Hammer]

Okay. Subscriptions. I'll put 40 bucks. Pets. There's five cats. Are they on pet insurance?

[Megan]

No, not.

[Caleb Hammer]

They need to be.

[Megan]

They do.

[Caleb Hammer]

I'm gonna market it. About 250 bucks. How much for pet food and care?

[Megan]

Oh, God, all this. That would litter.

[Caleb Hammer]

All that good stuff.

[Megan]

I had to guess.

[Caleb Hammer]

Yeah, Round it.

[Megan]

Cat food. I buy like one bag every week, so that's $16.99.

[Kyle]

And it's probably like 30 bucks for the bunny's food.

[Megan]

Well, they get. They get. Just.

[Caleb Hammer]

What do we think on a monthly

[Megan]

basis to take care of them probably like 150.

[Caleb Hammer]

Okay, cool. Anything else that needs to be in your budget? I put 40 bucks for subscriptions, 250 for pets, for pet insurance and then 150 for pet food and litter and all this stuff. Anything else that needs to be in your budget?

[Megan]

Is there like any overhaul to be able to do like accident emergency money? Like money set aside for.

[Caleb Hammer]

Well yeah. I mean you guys should save up like a one month emergency fund before you start paying off debt or your highest deductible. Okay, let's see. 5225. This is only with combined though. Cuz it only works if you do combined. Honestly that's where we have a lot of money left over. Let's just round it to 2, 500 left over on a monthly basis with our debt. Listen IRS, we do not know. You need to take care of that. Get on a payment plan immediately and pay your penalties and interest. Do not go to jail. Like why the principal is not worth jail. I just don't understand. Jail's not fun. You pay off debt in seven months. Guys, this isn't bad. Pay a hole that in seven months. Get a fully funded emergency fund which at that point will be about the household. 25000 which takes oh like six more months. So it's just like that's a year and a half. I mean you guys are 100 set. This makes no sense. You're being stupid. But you need to figure out the irs. You need to stop relying on other people. You need to chip in here and you guys need a budget together and communicate. And more than anything, you guys need to figure out if you're even life partners. Not even life partners, but partners. Especially before you combine finances. Because I feel like you guys don't even know each other. Yeah, this is weird. Weird? It's surface level and it's weird. Listen to the post show. I'm gonna go through their tech, see if they have any fights in there, See if anything juicy's in there. We're gonna call the mom, talk about the inheritance and maybe someone will get pierced. We'll see. So join Hammer Elite. Make sure to download dollar wise and get your hammer financial score calebhammer.com now click that join button, Join us in the post show and Hammer Elite. See you there. Wait, but I'll also get the Hammer Financial school, won't I? Spending in the budget. You overspend. 010 that month. Debt. The whole IRS. 0 out of 10. Emergency fund, nothing in savings, 0 out of 10. Retirement dramatically behind especially both of you combine 1 out of 10 real estate 010 because you're not on that title. Right?

[Kyle]

Right.

[Caleb Hammer]

Okay, so Hammer financial score for this household is 0.5 out of 10. Click that join button. See you there.

[Megan]

These are texts between me and my friend during the argument.

[Caleb Hammer]

He basically said that if I gave him a he'll forgive my debt and pay me for the extra hours I work. Did he actually suck my dick for money?

[Megan]

It was like an idea I was contemplating with and he was just flat out like no. If you do that, you have no self respect.

[Caleb Hammer]

Should we call the mom? And may I ask how much is in her inheritance?

[Megan]

So I got about dollars and I've spent on her probably close to so far.

[Caleb Hammer]

Next week is the final week. Don't forget to download the new Dollarwise budgeting app. This is officially now the best budgeting app on the the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mail directly to you. After March 31st the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to Dollarwise.com or click the link below.

[Kyle]

Two kinds of phishing out here. One for phish, one for your data.

[Caleb Hammer]

Hackers try to hook you, but Cisco

[Kyle]

Duo keeps every user and device protected. Cisco Duo Fishing season is over. Learn [e-mail].