Financial Audit’s Most Special Guest

Summary

Financial Audit’s Most Special Guest — Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Dax
Date: June 11, 2025

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Episode Overview

In this episode, Caleb Hammer sits down with Dax, a 39-year-old long-haul truck driver from Oklahoma City, for what quickly becomes one of the Financial Audit’s most unique and winding sessions. Dax brings a complex web of personal finance struggles, notably with persistent debt, questionable money habits, and an ongoing difficulty accepting responsibility. The conversation, spiked with humor and blunt honesty, explores Dax’s financial entanglements—from sending money to ex-partners to racking up consumer debt, navigating IRS trouble, and recurrently blaming others for his financial woes.

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Key Discussion Points & Insights

1. Dax’s Current Situation

• Profession & Income: Long-haul truck driver, earning about $4,700/month net ($56,400/year).
• Living Arrangement: Previously lived in Oklahoma City, but rarely home due to job; transitioning to living with his mom in Florida to save on rent.
• Rent: $1,380/month previously; future rent with mom estimated at $800 including utilities.
• On the Road: Spends most of his time driving, rarely at home—“I put your home maybe once a month.” (01:25)

2. Blaming Others for Financial Problems

• Recurring Theme: Dax repeatedly attributes his financial distress to his exes, with elaborate justifications centering on their lack of financial contribution or his generosity.
  • Ex #1: Dax claims he paid for everything, including sending extra money; ex was supposed to contribute "half of everything" but did not (04:06, 04:45).
  • Reality Check: Caleb pushes back, showing that Dax's core expenses (rent, car, bills) existed irrespective of the exes’ involvement. (05:01–05:07)
  • Quote: “So it’s not really sounding like it’s his fault, because…whether or not someone lives there, you’re still paying the rent, right?” — Caleb (04:39)

3. Debt Accumulation & Bankruptcy

• Total Debt: Dax has accumulated $87,000 in total debt, including credit cards, loans to friends/family, and IRS debt (08:36).
• Credit Cards: Dax admits post-bankruptcy behavior didn't change—a new car was purchased almost immediately after discharge (17:39–17:54).
• Previous Bankruptcy: Filed for bankruptcy once previously ($20,000 discharged), but re-accumulated debt within three years (12:09, 13:40).
• Caleb’s Take: “You didn’t change your behavior. You went through bankruptcy. Now you’re right back where you were before bankruptcy. So it did absolutely nothing.” (13:36)
• Personal Loan Habits: Frequently borrows from family and friends, still owes $1,991 to a friend, claims to have forgotten why (74:07–75:03).

4. Excessive, Aimless Spending

• Spending Triggers: Frequent, impulsive purchases on food (especially fast food), OnlyFans, and random Amazon buys (“dog grooming kits, portable bidets,” etc.) (27:12–35:51).
• Tracking Issues: Claims to budget but not for everything; only keeps track of “bills budget term” not all discretionary spending (17:15, 21:27).
• Quote: "What's the point of half budgeting? That doesn't get us anywhere. Look where it got you." — Caleb (21:57)
• Food Expenditure: Fast food is a major drain; expenses routinely exceed available income (61:03, 96:54).
• Lifestyle Choices: Maintains credit card-depleting habits, including frequent little “treat yourself” moments, pedicures, massages, and online content subscriptions.

5. Family Financial Entanglements

• Mom as Safety Net: Plans to move back in with his mom despite making a decent income, citing minimal home life as justification and hoping to save on costs (19:02, 19:24).
• Automatic Bailouts: Family members, especially his mom, transfer him money without being asked when his account goes negative (68:40).

6. IRS & Tax Problems

• IRS Debt: Owes $37,703.32 from three years of not saving for taxes as a contractor (85:16, 87:00).
• Oklahoma State Taxes: Additional state tax debt, unsure of the exact amount but estimates $20,000 (89:10). Cannot log into state website; hasn’t called to clarify.
• Caleb’s Concern: Fears Dax is susceptible to phishing scams due to his careless approach to money and technology (90:08).

7. Difficulty with Accountability and Communication

• Shifting Stories: Dax frequently gives confusing, contradictory, or partial answers regarding debts, spending, and life events, often requiring extensive clarification from Caleb and the co-hosts (52:10, 76:16).
• Quote: “You pretend like me and the audience…already know your life. We don’t. We’re uncovering it right now. You have to give context.” — Caleb (81:06)
• Behavior Patterns: Demonstrates little commitment to change (“Apparently not” after relapse into debt), and shrugs off most pointed advice or inquiry.

8. Mental and Emotional Undercurrents

• Isolation & Social Life: Most conversation is with clients or old friends on the phone; expresses doubts about future relationships and prefers solitude to avoid future financial entanglements (25:11, 40:24, 41:00).
• Self-Image: Seeks weight loss surgery in Mexico, unsure how to finance time off for recovery (10:13, 10:34), demonstrates self-deprecation with humor.
• Educational Challenges: Discloses he graduated with a “special diploma,” struggles with basic organization and financial planning (32:30).

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Notable Quotes & Memorable Moments

On Blaming Others:

• “You're blaming this on that relationship? I want to confirm.” — Caleb (04:06)
• “So if you're gonna say that, defend it, back it up. If you are walking around, if you are sitting, if you're going to bed at night saying all this is because of him, you haven't come up with a logical backing behind that?” — Caleb (14:44)

On Denial & Budgeting:

• “I do budget.” — Dax (17:11)
• “Then what the is going wrong?” — Jake (17:13)
• “What's the point of half budgeting? That doesn't get us anywhere. Look where I got you.” — Caleb (21:57)

On Perpetual Debt:

• “You didn't change your behavior. You went through bankruptcy. Now you're right back where you were before bankruptcy. So it did absolutely nothing.” — Caleb (13:36)
• “That’s why I’m against it. I’m not against it as a tool. I’m against using it as a stupid thing.” — Caleb (17:59)

On Unchecked Spending:

• “What was it looked at correctly with what was just spent on that one month and not. (21:46)
• “I don't know how I spent 9,000.” — Dax (21:27)

On Family Bailing Out:

• “Family member doesn't have money. Let me put it in for him.” — Caleb (69:47)
• “You're 40. You're 40.” — Jake (68:52)

On the “Sugar Baby” Role:

• “Come on. That was a sugar baby situation, was it not?” — Caleb (66:01)
• “It more than likely was.” — Dax (66:05)

Comedic Relief:

• “I'm not gonna lie. You have happy ending massages written all over you.” — Caleb (27:36)
• “You say so. Maybe I farted myself. There's two selfs.” — Dax (25:22)

On Repeated Mistakes:

• “Look at your entire behavior in the sentence you just said. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, why refi is here to help.” — Caleb (23:54)

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Important Segment Timestamps

| Timestamp | Segment/Topic | |-------------|------------------------------------------------------------| | 00:39 | Dax introduces himself and discusses his job/travel | | 04:06–04:45 | Caleb challenges Dax’s blame of his ex for financial woes | | 08:36 | Total debt and fear about the economy/automation | | 12:09–14:44 | Previous bankruptcy and repeated mistakes | | 17:11–17:34 | Dax claims to budget; chaos in spending explanations | | 19:02–21:03 | Plans to move back in with mom; cultural implications | | 25:11 | Dax’s social life, dog’s life in the truck | | 27:12–28:26 | Excessive spending, questionable expenses, “happy massages”| | 40:24 | Prefers to stay single to avoid financial entanglement | | 52:10–53:44 | Lease/rent explanations, moving timelines | | 61:03 | Detailed breakdown of monthly food spending | | 68:40–69:59 | Family money transfers and lack of personal accountability | | 74:07–75:03 | Owes friend $2,000+, can't recall why or repay | | 85:16–87:00 | IRS debt explanation, three years of unpaid taxes | | 96:54–98:34 | Sample monthly budget, food as dominant expense | | 99:04–99:17 | Strategies for paying debt faster; Caleb’s direct advice | | 100:26–100:44 | Final segment, summary of debts and closing advice |

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Flow of the Conversation

• Caleb challenges Dax’s explanations, repeatedly steering the conversation from blame to personal responsibility.
• Frequent interjections from co-hosts (“Jake”, “Brandon”) add pressure and translation when Dax’s answers become confusing.
• The tone is unfiltered, sometimes irreverently comedic, but consistently focused on exposing habits that prevent financial progress.
• Dax is at times self-deprecating, often resigned, and occasionally defensive; Caleb remains blunt and relentless in his pursuit of the truth behind Dax's finances.
• The session closes with a harsh but honest assessment (0.5 out of 10 financial score) and a final appeal for Dax to confront his behavior if he wants a real change.

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Actionable Financial Takeaways

• Full Accountability is Essential: Repeatedly blaming external factors will trap you in cycles of debt.
• Budgeting Must Be Comprehensive: Only tracking bills, not discretionary spending, undermines the value of budgeting.
• Behavior Change > One-Time Fixes: Bankruptcy without habit change leads straight back to deep debt.
• Don’t Enable or Accept Enabling: Allowing family to routinely bail you out prevents growth and learning.
• Addressing Tax Debt Proactively: Get ahead of tax bills with accurate withholding or saving from contract work.
• Avoid Recurring, Unexamined Purchases: Minor purchases (fast food, subscriptions) can compound into major financial woes.

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Final Financial Audit Score for Dax

• Budgeting: 0/10 (spends more than he makes, “spinning a budget”)
• Debt: 0/10 (IRS, credit cards, personal loans)
• Emergency Fund: 1/10 ($300)
• Retirement: 0/10 (no savings)
• Real Estate/Assets: 0/10
• Overall: 0.5/10

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Conclusion

This episode, blending exasperation and humor, is a raw portrait of financial self-sabotage and the difficulty of growth when accountability is lacking. Caleb’s relentless questioning strips away Dax’s rationalizations, making the episode both painfully revealing and unexpectedly entertaining—a cautionary tale for listeners who might recognize their own reflection in Dax’s story.

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For further insights, catch the post-show for even more revealing details and financial lessons with Dax.

Transcript

[Caleb Hammer]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. How much do you normally pay on.

[Dax]

The of three months?

[Caleb Hammer]

Why does all of a sudden we.

[Dax]

Get to that more extra photos to get off.

[Brandon]

Okay, there's about 50 different people on here. Danny Twink xx Cash. There was maybe 50. There has to be a hundred.

[Dax]

Kevin's. When you graduate with a special diploma.

[Caleb Hammer]

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to link in the description and pinned comment below.

[Dax]

My name is Dax. I'm 39 years old from Oklahoma City. And we are about to do financial.

[Caleb Hammer]

Audit we're about to do. And now we are. We're here. Financial Audit. Thanks for coming down. What do you do up there for a living?

[Dax]

I am a truck driver.

[Caleb Hammer]

Cool. Long haul? Short haul all over. We're hauling everywhere. Okay. Long haul can be some money. How are we doing? Okay, what's your. What's your income?

[Dax]

4700Amonth.

[Caleb Hammer]

Okay. Is that nat or are we talking gross?

[Dax]

That's after taxes.

[Caleb Hammer]

Okay, 4700amonth. We're talking $56,400 a year now. Oklahoma City, though, as far as major cities go, not really known for being the more expensive one.

[Dax]

No, relatively cheap.

[Caleb Hammer]

So how are we living? Especially if you're just on. Okay. How often are you on the road versus having to stay at your apartment or whatever?

[Dax]

I'm on the road all the time.

[Caleb Hammer]

Okay, so you probably don't need anything too crazy.

[Dax]

I put your home maybe once a month.

[Caleb Hammer]

Really?

[Dax]

Okay. Depends.

[Caleb Hammer]

So how we doing?

[Dax]

Could be better.

[Caleb Hammer]

Why?

[Dax]

This is a struggle. You know, I had a partner that I was with.

[Caleb Hammer]

Yeah.

[Dax]

And I was basically paying all the bills with no help.

[Caleb Hammer]

Sugar daddy?

[Dax]

Yeah.

[Caleb Hammer]

Wait.

[Dax]

Actually, I guess you could say that.

[Jake]

Really?

[Caleb Hammer]

Oh, she.

[Dax]

He. How old is he? You're 32, little twink? Not really. Little dickums.

[Caleb Hammer]

See, that's just what I picture. What do you call him?

[Dax]

Dickens.

[Caleb Hammer]

Oh, Bears.

[Dax]

Bears. He wasn't a bear, but, you know.

[Caleb Hammer]

Sure. Okay, cool.

[Dax]

A twunk.

[Caleb Hammer]

Well, wait. Why? Did sugar baby leave sugar daddy or did sugar daddy leave sugar baby cut up the check first?

[Dax]

I did.

[Caleb Hammer]

You cut up the check? Why'd you cut up the check?

[Dax]

No help financially.

[Caleb Hammer]

Wasn't performing sugar baby responsibilities, just helping me with bills. Oh, okay. So, you know, interesting. So what expectations were there going into that relationship then?

[Dax]

There was supposed to be help.

[Caleb Hammer]

How Much help.

[Dax]

Half of everything.

[Caleb Hammer]

Oh, so it was intended to be a real relationship?

[Dax]

Yes.

[Caleb Hammer]

Oh, okay. So. Okay. Misread that. That's okay. How long were you guys together? What are you saying? Because of him? Because of Little. Not Bear, Chub, not Twink. All finances are.

[Dax]

They're. They are.

[Caleb Hammer]

But you said because of him.

[Dax]

I did calculate what I had for rent for the past, like, five or six years. Been about $70,000.

[Caleb Hammer]

How can we even hold down a relationship, regardless of sugar baby, sugar daddy situation or real fake whatever, if we're on the road?

[Dax]

Like, my stupidity of not ending it and hoping it would get better.

[Caleb Hammer]

But you were the one that ended it, so, like, years later. And plus, when you're on the road, you got a lot of, like, lot lizards. Well, I guess lot snakes. In your case.

[Dax]

I've never seen a lot lizard or a lot snake, really. Actually, stay back. I have been approached once, but it took about six years.

[Caleb Hammer]

Well, that's my retirement plan, so you'll catch me out there, but. Okay, so again, you're blaming this on that relationship? I want to confirm.

[Dax]

Yes.

[Caleb Hammer]

Okay.

[Dax]

Because how I was paying everything. Literally what came in went right back out for bills.

[Caleb Hammer]

Okay. Cheaper area. I get it. Bills. Mandatory bills are what sugar baby wanted.

[Dax]

Mandatory bills.

[Caleb Hammer]

Okay, what was the mandatory bill?

[Dax]

Rent, car payments. Insurance, cell phone, double car payments.

[Caleb Hammer]

You're paying his car payment?

[Dax]

No, just one car payment.

[Caleb Hammer]

Okay. Why is the rent situation different now that you guys aren't together? So it's not really sounding like it's his fault, because he would. Whether or not someone lives there, you're still paying the rent, right?

[Dax]

But I was paying the rent. He wasn't paying anything.

[Caleb Hammer]

Yeah, and now he still isn't. Cause he's not there. And it sounds like the rent situation hasn't changed. No. Do you understand what I'm saying? Regardless if he was there or not, we're still dealing with the same thing. So it's like, was it really because of him or because you're living in. You have a place that you just simply can't afford.

[Dax]

Still.

[Caleb Hammer]

When did you guys break up?

[Dax]

Probably six or seven months ago.

[Caleb Hammer]

Well, there you go. You could have had a different place by now, so.

[Dax]

Yeah.

[Caleb Hammer]

What's your rent?

[Dax]

1380.

[Caleb Hammer]

Okay.

[Jake]

Well, no.

[Caleb Hammer]

What's the major issue here? I'm not saying that's like, oh, wow, pennies. But, you know, we're talking 30%. You're kind of 30% of net. We're where you would want to be for rent. I'm confused. Even if he's not shipping and then you're not paying for his car because there is no car payment for you to pay for of his. I don't know. Get it? What's the. What's the immediate deflection and blame onto Not Twink, not Chub.

[Dax]

There I was. My car, my car payment. So he was adding all the miles. I was paying all the maintenance.

[Caleb Hammer]

Yeah, but you still have it regardless, right? Did you buy it before him?

[Dax]

Yes.

[Caleb Hammer]

Sounds like an immediate deflection. Not the best way to get a conversation started on financial audit. I'll be honest. Go on. How was it his fault, the ex.

[Dax]

Uh, but not helping with bills.

[Caleb Hammer]

What bills? We already established the bills. You would have had and did have.

[Dax]

And still have, you know, credit cards. I would be swiping.

[Caleb Hammer]

Where was him swiping?

[Dax]

No, he never had access.

[Jake]

What the. What are we talking about, guy? Mr. Dax, what are we on?

[Caleb Hammer]

Hello. Your cute dogs in the studio. Hopefully the top down. Mike just picked up the pups. Very cute, but what the are you talking about? You just said he wasn't swiping, so why would he. It doesn't make sense. These are all your bills?

[Dax]

No, but he wanted to go back to school, so I was like, you can go back to school. Don't worry about the bills. Your bills. Well, our bills at the time, you aren't married.

[Caleb Hammer]

It was your bills, your lease. You had that.

[Dax]

Well, he was on your car payment.

[Caleb Hammer]

Okay, well, that part's a little different, but your car payment, your credit cards. Why would he be paying for your credit cards if he wasn't spending on your credit cards?

[Dax]

He'd be paying for my credit cards.

[Caleb Hammer]

I know, but you brought that up as an example.

[Dax]

Right.

[Caleb Hammer]

Go on. He wanted to go to school, so.

[Dax]

I said, you know, how long is was like six months or so and hoping that that would improve his income.

[Caleb Hammer]

Going to school.

[Dax]

Yeah, because he couldn't find anything.

[Caleb Hammer]

He wanted to find out. That's not what improves income. It's graduating and getting into a career field, not just attending. And six months isn't usually a unless. Did he go to a poot camp? Did he go to.

[Dax]

No, it was a trade school. I guess it was a trade school, but it was at a community college.

[Caleb Hammer]

For what?

[Dax]

Aesthetics.

[Caleb Hammer]

What income do you make off that? Well, I guess I'm not auditing him, but that sounds a little silly. I'll be honest. But again, I really. You kicked out this conversation with blaming the dude?

[Dax]

Yeah.

[Caleb Hammer]

Still haven't exactly seen how.

[Dax]

Seen how would always send Money. Also, if he didn't have money, I'd send money through.

[Caleb Hammer]

So that's the sugar daddy situation.

[Dax]

Yeah. Only guys can't get to work or need food. The other dog needs food.

[Caleb Hammer]

Okay, well, I don't. It doesn't sound like if we equate this entire situation to just him. That still doesn't seem right. I'll be honest. It sounds like self. I don't know, it just sounds like deflection extreme. Okay, what's going on? What's going on, man? What are we talking about?

[Dax]

Well, I guess just the whole debt situation sucks.

[Caleb Hammer]

Yeah, there's a lot.

[Dax]

I've calculated. What'd you calculate in total with everything? 87,000.

[Caleb Hammer]

Yeah. Okay. You have a big push to get out of debt. Like, what? What are we trying to do? Okay, good, because that gives us a reason to actually move forward.

[Dax]

What is it just the way the economy is.

[Caleb Hammer]

And that's your push to get out of debt? I'm confused. What are you talking about? Talking about automation, replacement, like autonomous drivers for long haul.

[Dax]

Like, what are you talking about, the debt situation? Seems like there's a financial collapse, like, every eight to 10 years. And even with truck drivers, there's still.

[Caleb Hammer]

Being economic collapse across the board, you know? Or are you just talking long haul?

[Dax]

No, just in general. Every eight to ten years.

[Caleb Hammer]

There's not a. Oh, every eight to ten years. Like a recession. Right. But not like a great recession type of collapse anything.

[Dax]

It's still there.

[Caleb Hammer]

Well, I mean, we've more than recovered. Like, that's not. It's not great. It's very hard for a lot of people. What did unemployment go up to, like 10%, 12%? I mean, it was very hard. A lot of people lost their homes. Obviously it was the mortgage crisis.

[Dax]

Losing their homes and jobs.

[Caleb Hammer]

That'll always happen. Huh.

[Dax]

Even as truck drivers.

[Caleb Hammer]

Okay, but what is this big fear.

[Dax]

You have, specifically debt in general.

[Caleb Hammer]

Okay.

[Dax]

And possibly being laid off.

[Caleb Hammer]

Yeah. That is scary. Why do you have debt then?

[Dax]

I like to get out of the debt to be able to have the weight loss surgery.

[Caleb Hammer]

Okay, how much is that gonna cost?

[Dax]

I've calculated if you go down to Mexico, it's about four grand, five grand.

[Caleb Hammer]

Wait, but we should be able to budget that within our income. How long have you been trying to do this?

[Dax]

Not long. Maybe three months or so.

[Caleb Hammer]

Okay.

[Dax]

I mean, I thought about the whole issue of, you know, what the recovery is. What?

[Caleb Hammer]

Yes. How are you gonna do long haul with that?

[Dax]

You're not. I'm taking time off.

[Caleb Hammer]

Okay. You have Paid time off?

[Dax]

No, I would have to save for it also.

[Caleb Hammer]

How much do you have stacked up?

[Dax]

Nothing.

[Caleb Hammer]

How. I mean, do you take time off all the time or do you not get it?

[Dax]

I mean, I get it when I want it.

[Caleb Hammer]

Then where'd it go?

[Dax]

Swiping. Because that's like, huh, swiping on my debit card, credit cards.

[Caleb Hammer]

That's taking time off.

[Dax]

I mean, when I go home, I spend about $400 or so.

[Caleb Hammer]

I'm asking where your paid time off accrued has gone.

[Dax]

I don't have paid time off.

[Caleb Hammer]

Oh, I thought you said you do. Well, you know, you told me you had to accrue some.

[Dax]

No, I. You mean money I can take. Yeah, I can take time off.

[Caleb Hammer]

Okay, so you're talking about getting a stockpile to pay for bills. Will you take the. Okay. And that's a few thousand. That's a couple months, right, for surgery?

[Dax]

Surgery can be. You can probably be back within maybe three weeks. But I want to take longer off just to be sure.

[Caleb Hammer]

Yeah, because that sounds like that's a big push. Plus you're on a pretty strict diet after that too, which I know diet often gets complicated when on the road.

[Dax]

Yes, extremely difficult.

[Caleb Hammer]

Then why the are you possibly in this much debt? How long have you accumulated this much debt?

[Dax]

Years. How long? Four years, five years, probably.

[Jake]

The fucker.

[Caleb Hammer]

What were you doing before that then?

[Dax]

Same thing.

[Caleb Hammer]

What do you mean? So you've been accruing it since like 18? All this is since 18?

[Dax]

No. Cause I filed bankruptcy before.

[Caleb Hammer]

You've been through bankruptcy? Then why the are we here?

[Dax]

Because I don't want to get back into it.

[Caleb Hammer]

Get back into what?

[Dax]

I filed bankruptcy again.

[Caleb Hammer]

Why?

[Dax]

Because this is actually easier than it was the last time. The first time I filed was only about 20,000 for the bankruptcy that was discharged.

[Caleb Hammer]

Why'd you go through bankruptcy last time?

[Dax]

It was a piece of cake though. I know you disagree with it.

[Caleb Hammer]

Disagree with what?

[Dax]

Bankruptcy.

[Caleb Hammer]

What are you talking about?

[Dax]

Don't you always tell people, oh, it's hard or it's easy to file bankruptcy?

[Caleb Hammer]

Those are completely opposite. What do I say according to you? Is it easy or hard? Because you just said both. They're very different.

[Dax]

You disagree with it, right?

[Caleb Hammer]

Disagree with what?

[Dax]

Bankruptcy? Yes.

[Caleb Hammer]

I would like you to tell me what my opinion is. Since you're going to try to start something.

[Dax]

You think it's difficult and it takes too long.

[Caleb Hammer]

I've mentioned through the process that it can be stressful. I'm not usually using that as a determining factor. And it's definitely on your credit for a long time. Sure, yeah, but. But no, just like debt consolidation, I say it can be a good tool, but not if you don't change your behavior. And guess what? An example if I've ever seen one. You didn't change your behavior. You went through bankruptcy. Now you're right back where you were before bankruptcy. So it did absolutely nothing.

[Dax]

Correct.

[Caleb Hammer]

How quickly did you start yourself after bankruptcy?

[Dax]

After the bankruptcy was discharged, probably three years after.

[Caleb Hammer]

Okay.

[Dax]

Why'd you start really into debt? Didn't even start till the relationship.

[Caleb Hammer]

Yeah, but I don't really think that's him. Come on. Unless you were just going crazy.

[Dax]

Possible.

[Caleb Hammer]

For him, spoiling, I don't know. But again, you signed the rent, you got on the rent together. But even still, if you were just renting with yourself, this is not a crazy rent. Regardless, it's 29% of your net income. You had the car payment before. You still have all these things. That was not him. That is not him.

[Dax]

I think it is so.

[Caleb Hammer]

But you're not able to give me a reason how you couldn't give me even what I thought about bankruptcy. Can you give me a reason somehow how it's his fault.

[Dax]

What?

[Caleb Hammer]

The bankruptcy, the finances that you're in post bankruptcy. You said it started with him, ended with him, and it's still his fault. Even though I just brought up points on how it's not. So if you're gonna say that, defend it, back it up. If you are walking around, if you are sitting, if you're going to bed at night saying all this is because of him, you haven't come up with a logical backing behind that?

[Dax]

No, just I guess the whole swipe thing, just not.

[Caleb Hammer]

So you're not willing to take accountability ever. You went through bankruptcy. Instead of actually dealing with this changing your behavior, you now you're just blaming all this on him. Yeah, right. So sending your ex money, you said you did that. How often, how much?

[Dax]

What? The amount varied. $20, $100, $200.

[Caleb Hammer]

How frequently? What are we talking? Monthly average? Because also that is you monthly average. That is you choosing to do it.

[Dax]

Still though it is. I couldn't give you an exact amount. It's, I don't know, like per month probably, I don't know, a thousand.

[Jake]

Why?

[Dax]

He was working but wasn't working. He didn't have enough hours.

[Caleb Hammer]

He, he, he he he, he, he. Okay, what was his job?

[Dax]

He was, I believe he was working at the airport at that point.

[Caleb Hammer]

May I do something?

[Dax]

Sure.

[Caleb Hammer]

What's your relationship with him?

[Dax]

There is no more relationship.

[Caleb Hammer]

Can I call him on my phone? Will he agree with your story?

[Dax]

Probably not. And he probably won't answer. Cause he's at work.

[Caleb Hammer]

I can triple call.

[Dax]

He won't answer. I mean, you can try, but eventually.

[Caleb Hammer]

Well, we tried to call the ex, but maybe we'll try to call again in the post show. Remember in our timeline, this is live, so. Okay, so not a single ounce of accountability to your name. I get it, I get it. I mean, it says you calculated how much rent you've paid over the past five years and you're like $70,000. And it's just you paying rent, dude. I mean, I'm just paying half of it.

[Dax]

I wouldn't be as much as 70,000. It'd be half.

[Caleb Hammer]

I know, but still, it's a pretty normal rent for your income is all I'm saying. It's not the end of the world. If you were just budgeting, if you ever budgeted. Do you budget?

[Dax]

I do budget.

[Jake]

Then what the is going wrong?

[Caleb Hammer]

Just Congratulations. Your budget. $4,700 comes in on a monthly basis. How much went out last month? How much was spent in total? That includes on debt. You budget. You should know. I want down to the dollar. Should be 3,900, 9,000, 726. What the are you talking about?

[Dax]

How the. Yep.

[Caleb Hammer]

What the are you talking about? Yeah, it's really all the X.

[Dax]

Well, no, because I have credit cards and after bankruptcy, I bought a new car immediately after discharge.

[Caleb Hammer]

Car debt?

[Dax]

Yeah. After. After discharge, probably two weeks, if that.

[Caleb Hammer]

What was the point? Dude, did you not learn a thing?

[Dax]

Apparently not.

[Caleb Hammer]

That's why I'm against it. That's when I'm against it. I'm not against it as a tool. I'm against it using it in a stupid thing. Because now you have all this bad credit and the bad credit from the bankruptcy, it's all just stupid.

[Jake]

You don't learn anything.

[Caleb Hammer]

Now you can't even afford a surgery to save your damn life.

[Dax]

I know, I'm a fat.

[Caleb Hammer]

Well, me too.

[Dax]

What are those C's right here?

[Caleb Hammer]

AA's, A's, A. Dude, I'm at A level, man.

[Dax]

Well, then we're together. Also, I wanna move out to Florida.

[Caleb Hammer]

Okay. Is that cheaper than Oklahoma? I mean, are you gonna have the same job?

[Dax]

Yeah, I'll stay where I'm at. I'm over the road.

[Caleb Hammer]

Oh, you mean your job?

[Dax]

Yes.

[Caleb Hammer]

You'll stay where you're at.

[Dax]

Right.

[Caleb Hammer]

I was gonna say, I don't know if you know this Oklahoma City is not in fact in Florida. Okay, so what does that change here? Is that not more expensive? Florida's more expensive.

[Dax]

About $800 a month for rent.

[Caleb Hammer]

More. No where in Florida?

[Dax]

Backing with mom.

[Caleb Hammer]

Mom?

[Dax]

Yeah. I'm never home.

[Caleb Hammer]

Okay. I mean, no offense, but I mean, why? I mean at 40, that's a little at least culturally for us. A bit like on the. Ooh, like why never home?

[Dax]

What's the point of having rent?

[Caleb Hammer]

I'm kind of vibe with that. But you're still a 40 year old moving back in with mom and you're not making bad income and you only yourself after bankruptcy and tried to pin it all on your existence. So.

[Dax]

What'S the point of paying rent though if I'm never really home?

[Caleb Hammer]

It's less about that again, it's the full picture. It's the. You're never getting anywhere, it seems, other than your destination in the truck. It's, I don't know, just like going back home at 40, I vibe with the least, like, hey, why have that overhead of rent and it would only be 800?

[Dax]

It wouldn't be anything else. So there wouldn't be power. That's just flat 800.

[Caleb Hammer]

Why? I have a note saying that you also blame on your ex before the last ex, saying that it was financially draining.

[Jake]

I think that's you.

[Caleb Hammer]

What was financially draining about the ex before the ex?

[Dax]

Same issue.

[Caleb Hammer]

Okay, something tells me that one, you're not able to take accountability or two, people just milk you for money.

[Dax]

That's what it seems like.

[Caleb Hammer]

No, I think it's you don't know how to control yourself. Listen, you blame on everyone except for yourself, then you move in with mommy.

[Dax]

Another world would be a mom with mommy.

[Caleb Hammer]

No, but again, culturally, at 40 in relation to everything else, while going through bankruptcy, building all the way back up again, deflecting it on two exes. It's like if you're going to live with mom because we're rock bottom because of things we couldn't control, that's different. You've gone through this process, you deflect it, haven't taken responsibility once, and then you go and move in with mom. Come on, that's a completely different picture.

[Dax]

Could be. I think he'd do better though.

[Caleb Hammer]

Could be better.

[Dax]

Could do better.

[Caleb Hammer]

So why don't you? What?

[Dax]

Cause I'm going to. I'm moving back home, mom.

[Caleb Hammer]

That could do better. Oh, you're just gonna spend that extra. You're not separating. Look, you spent 9,000 again.

[Dax]

I don't know how I spent 9,000.

[Caleb Hammer]

Math.

[Dax]

Is that for every. Well, that's for the credit card. But I'm saying is that was it looked at correctly with what was just spent on that one month and not.

[Caleb Hammer]

Uh huh.

[Dax]

Wow, that's wild.

[Caleb Hammer]

I thought you're the budgeter. I am for the bills budget term.

[Dax]

When it comes to swiping, it's just.

[Caleb Hammer]

What'S the point of half budgeting? That doesn't get us anywhere. Look where I got you. Why only budget half your expenditures? That doesn't make any sense.

[Dax]

I said just do the minimum on my credit cards and I used more than the minimum to swipe. So.

[Caleb Hammer]

So what do you think your financial score is then? 0 to 10. 10 being the best, 0 being the worst. Where do you think today?

[Dax]

I did the thing online. It was a zero.

[Caleb Hammer]

Yeah, that makes sense.

[Dax]

Also, that was probably like, I don't know, like six months ago, but it's still a zero.

[Caleb Hammer]

Great. So no progress in six months. That's lovely when you don't even have your ex with you. Yeah, it's all their fault. If you want the assessment and you're not blaming everything on your ex, all you have to do is go to calebhaber.com you can take it, get your financial score and if you want to, come on, just go to calebhammer.com apply and don't forget, if you don't want to be like the guest, download the budgeting app, sign up for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly to your door. We are going to talk, we are going to talk about a $0 credit.

[Dax]

It's not zero anymore.

[Caleb Hammer]

Oh, for sake. What is it?

[Dax]

551.

[Jake]

Why? You have a $0 debt here. You're not with the person that you blame anymore.

[Dax]

Why is my food.

[Jake]

What?

[Caleb Hammer]

What?

[Dax]

Gotta eat.

[Caleb Hammer]

Oh, you gotta eat? How are you gonna survive after weight loss surgery?

[Dax]

You tit not eat.

[Caleb Hammer]

You can't do that now. I mean you literally had a zero dollar debt in front of me and you're telling me it's 500 something?

[Jake]

Yeah, come on.

[Caleb Hammer]

Weight loss surgery is gonna be like bankruptcy. You're gonna get it, then you're gonna blow in your stomach again. I hope not.

[Dax]

No, I mean it is possible.

[Caleb Hammer]

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[Dax]

It's possible.

[Caleb Hammer]

I would say it's very possible. Let me see your phone. Pull up the statement for that one. Did you fart?

[Dax]

No. It's probably this guy right here.

[Caleb Hammer]

I know human farts.

[Dax]

You say so maybe I farted myself. There's two selfs, so.

[Caleb Hammer]

Oh, whatever has the balance on it.

[Dax]

They both do.

[Caleb Hammer]

Oh, for sake. You have to. One at a time then.

[Dax]

No, it's the previous one.

[Caleb Hammer]

Do you enjoy trucking? Is it fun?

[Dax]

I enjoy. I enjoy driving.

[Caleb Hammer]

Never home. You can't form relationships.

[Dax]

No, that's why I'm probably not going to have one next myself.

[Caleb Hammer]

Okay. I guess it fits with the debt. The. Are you talking about 500. I see 1,880.

[Dax]

The other one.

[Caleb Hammer]

Okay, pull up the other one. I don't know if the other one. We'll get to that in a second.

[Dax]

551 exactly.

[Caleb Hammer]

45% utilization. $26.

[Dax]

What? I wasn't gonna pay that off cause I got paid today but. But what? I budgeted. I can't.

[Caleb Hammer]

What?

[Dax]

Because you haven't come across the IRS debt that's supposed to come out.

[Caleb Hammer]

Oh fuck for sake, buddy. And the IRS debt is your ex's fault?

[Dax]

No, that's my fault.

[Caleb Hammer]

So what the did you open this entire dumb conversation with dude, you kidding me? And stop and get into Bull McDonald's getting some at Arby's. Really? We're going to Arby's? Of all the places that exist in this world. Taco Bell.

[Jake]

What are we doing?

[Caleb Hammer]

It's all.

[Dax]

Yeah, I know. I told you it was all food.

[Caleb Hammer]

Why do you accept this? Why do you accept this? Arby's. Taco Bell. U Haul. U Haul. Storage. Moving Storage. Got junk. My gosh. What are you getting rid of?

[Dax]

Got rid of. Got rid of a couch.

[Caleb Hammer]

Water Water Burger. Getting some bs Getting some bs Getting some bs Baskin Robbins or Dunkin Donuts? Wendy's Car spa. Massage envy.

[Dax]

Car spa was probably a car wash. I'll be assuming.

[Caleb Hammer]

I'm not gonna lie. You have happy ending massages written all over you.

[Dax]

Really? You think so?

[Caleb Hammer]

Was it?

[Dax]

No.

[Caleb Hammer]

Was it?

[Dax]

It was not.

[Caleb Hammer]

Was it?

[Dax]

It was not done at a non massage envy vacation.

[Caleb Hammer]

What? What was? Huh?

[Dax]

Happy endings. They usually happen at other places besides massage envy. You know, the Chinese ones.

[Caleb Hammer]

I don't know. It sounded very happy ending to me. I don't know. Okay, well that's your opinion. Yeah, I guess. Yes, that's what I was saying. Divine nail bar. Let me see them. Okay, that's worth 25 bucks on a card we can't pay off.

[Dax]

Okay, actually that was probably a pedicure.

[Caleb Hammer]

So it looks nice for the massagers.

[Dax]

You say so.

[Caleb Hammer]

I. I'm asking you, dude. Ah, here's the other self that we just saw. And by the way, the balance was higher on there. But I'll just write what's on here because.

[Dax]

What's the difference?

[Caleb Hammer]

1,000. A couple hundred bucks. $1,347.15 $0.17 minimum monthly payment. $26 Again, it was paid off. And then you purchased all that?

[Dax]

Yeah.

[Jake]

Why? That's way more than you could ever pay off.

[Caleb Hammer]

It's more than your rent that you complain about that he wasn't paying half for.

[Dax]

Right?

[Caleb Hammer]

Just in your purchases on you.

[Jake]

So what was the point?

[Dax]

I had a car that I sold.

[Caleb Hammer]

Oh. That's why I spent a thousand three hundred. What the are you talking about?

[Dax]

I had two cars at one point.

[Caleb Hammer]

So that's why you spent 1,500.

[Jake]

What are you talking about?

[Dax]

I had all the debt paid off.

[Caleb Hammer]

After bankruptcy?

[Dax]

No, after. Well, not all the debt, but out of all the credit cards I had all of them except one paid off.

[Caleb Hammer]

When?

[Dax]

September.

[Caleb Hammer]

What the happened? Who are we blaming it on this time?

[Dax]

Myself.

[Caleb Hammer]

Yeah, only cause I've called it out so much. What? What the happened?

[Dax]

That's just not giving a.

[Caleb Hammer]

And that is more important than actually a life saving surgery for you. What's that you spending, dude?

[Dax]

True.

[Caleb Hammer]

That's you Saying yes. Cause it was a question. Hold on. Wow. You are in trucks way too long. Not having human conversation.

[Dax]

Yeah. That.

[Caleb Hammer]

You are incapable of this.

[Dax]

Really? The only people that I talk to is customers. Like shippers and receivers.

[Caleb Hammer]

Yeah. Not very social. Sure.

[Dax]

And that's about it.

[Caleb Hammer]

Yeah. You have a dog? Yeah. But you're never home. He keeps me company in the truck.

[Dax]

Yeah.

[Caleb Hammer]

He goes with you everywhere in the truck?

[Dax]

Yeah.

[Caleb Hammer]

Is that a life for a dog? Not being able to frolic everywhere?

[Dax]

He plays.

[Caleb Hammer]

Yeah. When you stop here and there.

[Dax]

Yeah. Every truck driver has a dog. Pretty much.

[Caleb Hammer]

It's not a very good life for a dog.

[Dax]

Yeah, he's okay. He sleeps a lot.

[Caleb Hammer]

Because he's in a truck. That's what I'm saying.

[Dax]

Yeah. But in general, he's always been like that.

[Caleb Hammer]

Haven't you only been trucking for three years?

[Dax]

No.

[Caleb Hammer]

What were you doing before?

[Dax]

I've been trucking since 2013. That's when I got my CDL.

[Caleb Hammer]

Oh, you dumb. Okay, I'm sorry. Yes. You've been trucking since the dog was born.

[Dax]

No.

[Caleb Hammer]

Huh?

[Dax]

He's only three.

[Caleb Hammer]

You said 2013 is when you started.

[Dax]

No, it's when I got my cdl.

[Caleb Hammer]

How the long have you been long haul trucking dude?

[Dax]

Since 2013. I told you that I got my CDL in 2013. Pay attention.

[Caleb Hammer]

So he wouldn't know another life besides it.

[Dax]

No, besides when he was born.

[Caleb Hammer]

You dude. Ho. I need you to have phone calls with people so you can at least have conversations outside of phone calls with.

[Dax]

People, hours on end.

[Caleb Hammer]

Who?

[Dax]

Friends that I've known since 2013 or 2016.

[Caleb Hammer]

Okay. I don't. You don't seem to be able to comprehend questions and deliver the answers to them.

[Dax]

I was horrible in school.

[Caleb Hammer]

I don't know if it's a school thing. I wasn't the. Okay. Okay. I wasn't the best in school either, but I.

[Dax]

Well, that's what happens when you graduate with a special diploma.

[Caleb Hammer]

Did you?

[Dax]

Yeah.

[Caleb Hammer]

You look a little down syndrome. Is that why.

[Dax]

Possibly.

[Caleb Hammer]

Okay.

[Dax]

I was born premature.

[Caleb Hammer]

Three months.

[Dax]

Yeah, actually, three months. Supposed to be born in February at Valentine's Day. Wasn't born until November.

[Caleb Hammer]

Well, the first place you must have been was at Denny's. Cause going there every second of our life.

[Dax]

Denny's, actually, it was oxygen for six.

[Caleb Hammer]

Months and then a severe lack of it until now.

[Dax]

Apparently. I need to be back on it. You know, oxygen. Not the kind you breathe on it from a tank.

[Caleb Hammer]

Yes.

[Dax]

What?

[Caleb Hammer]

You're all right.

[Dax]

So.

[Caleb Hammer]

Also going to the Car wash. On a different car wash. Sonic drivin. Chili's. Bumper.com?

[Dax]

Bumper.Com? I don't know what that is.

[Caleb Hammer]

What happens if I look up bumper.com, a little nervous?

[Dax]

I have no clue.

[Caleb Hammer]

Sounds like a bottoming.

[Dax]

No, I obviously don't even know what that is.

[Caleb Hammer]

We're finding out.

[Dax]

Guess we will.

[Caleb Hammer]

If a dick pops up, it's your fault. Yeah, okay. It's vehicle history report.

[Dax]

Oh, right. Because my new car got hit by hail and I wanted to see if it had already hit the carfax.

[Caleb Hammer]

Okay.

[Dax]

I remember that transaction, Chili.

[Caleb Hammer]

Oh, that was before. Mexican restaurant. BB of Pearl, Bareback.

[Jake]

Amazon.

[Caleb Hammer]

Amazon. Amazon.

[Dax]

Blue beacon.

[Caleb Hammer]

Huh?

[Dax]

BB of Pearl, Blue beacon.

[Caleb Hammer]

We're going back to that flying J. Okay, pull up that Amazon. Let me see. Let me see.

[Dax]

There's actually a lot of purchases on there. One of them. What for? It should be on now.

[Caleb Hammer]

Great. I love when they're able to deliver to us on a highway.

[Dax]

What's that?

[Caleb Hammer]

Can someone help me here? I'm alone in this. He's not involved either.

[Dax]

Where's the orders? Not sure if that's what you wanted to see, but do I have to.

[Caleb Hammer]

Bring in the translator for this again? It's been a second. Dog grooming kit. Yeah, his lots of purchases are four baby clothes. Huh?

[Dax]

Babies.

[Caleb Hammer]

What about babies?

[Dax]

That's what it was. That should be one of my last transactions.

[Caleb Hammer]

No, it's dog grooming babies.

[Dax]

Is that not on there?

[Caleb Hammer]

No, it should be Hibbit portable bidet. Oh.

[Dax]

Oh, there's nothing wrong with bidet. You never used one.

[Caleb Hammer]

A portable bidet? Hey, it's better than you're taking places.

[Dax]

There's better than these?

[Caleb Hammer]

Some of these water balls. Huh? Huh?

[Dax]

Said some of these truck drivers, they'll grab water bottles out of the cooler and shove it up their ass.

[Caleb Hammer]

Mm. Okay, well, no babies should be on there. They're not. Babies are gone. That was.

[Dax]

I don't know how those transactions are.

[Caleb Hammer]

A dream of yours.

[Dax]

No, not mine. It was my ex's sister. She had a baby.

[Caleb Hammer]

When? You know I'm looking at recent history, right?

[Dax]

Three months ago.

[Caleb Hammer]

Okay, let's bring in the translator before this guy starts talking about oxygen tanks again. All right, Brandon, we brought you in. You're looking a little thuggish today or something.

[Brandon]

Handsome. Oh, handsome.

[Caleb Hammer]

You know, he's a big fan of yours?

[Brandon]

Of me?

[Dax]

He knew you never said Jim.

[Caleb Hammer]

Oh, you're like. I know. Oh, Brandon.

[Jake]

Brandon.

[Dax]

Oh, from the previous episode, right?

[Jake]

Yeah.

[Caleb Hammer]

You must know. You Found the membership content or the previous translated.

[Brandon]

And you must know I'm eating it.

[Caleb Hammer]

Again because he just drops things.

[Brandon]

You must know you severely up if I'm here.

[Dax]

Yeah.

[Caleb Hammer]

Listen, I'm lucky enough to be able to tell you this. And I wish I had all the resources that exist right now in this world to have changed my life and got my together when I needed to back then. But it didn't exist. So my team and I put all of our resources, all of our time, all of our energy in making the best educational resources we could ever make. And guess what? We have literally a quarter of what the industry average refund rate is. Even though we guarantee free refunds for a full month. That just shows that we provide the best in industry education. And listen, I get it. Or business education be kind of expensive and we put a lot of work into it. But right now there is a sale until a couple days from now. So make sure you check it out. You can bundle all of our programs together and save a lot of money. It'll change your life. All right, well, translate for me cuz.

[Dax]

Apparently I'm need more oxygen.

[Brandon]

I could see that.

[Caleb Hammer]

Okay. Okay. Let's talk about the discover it, shall we?

[Dax]

Sure.

[Caleb Hammer]

Okay, what's going on with this?

[Dax]

That's been like that for two to three years.

[Caleb Hammer]

Why?

[Dax]

Just I haven't been working on. I've been trying to work on the other cards and that one's been on the back burner. But it's the most people.

[Jake]

Just like it's at fucking credit max. It was above the credit max until.

[Caleb Hammer]

A day ago, essentially.

[Dax]

Right. It's been at the max the entire time. I pretty much almost immediately maxed the one out.

[Caleb Hammer]

That means you continue to max it out then.

[Dax]

No, it can't.

[Caleb Hammer]

What if it was three years? It wouldn't still be at the max.

[Dax]

Well, no. With interest, no.

[Caleb Hammer]

Not if you're making the minimum payments. It would not be $3 from the max. You're either not making payments or you're purchasing. Sometimes within the last three years I.

[Dax]

Probably purchased, but I don't remember exactly what it was.

[Caleb Hammer]

You farted again. Dude, it is $125 down. Dogs don't fart a minimum. I know dog farts.

[Dax]

How do you know that? You want PAWS only.

[Brandon]

Pause only. What is that?

[Caleb Hammer]

That's your job.

[Brandon]

I got confused, but I paid just enough on the credit card off just so that I can spend.

[Caleb Hammer]

Money a translator for him. I don't think that's right.

[Dax]

Another one.

[Caleb Hammer]

What are you talking about? Dog farts.

[Dax]

You know he's bringing it up.

[Caleb Hammer]

No, you said I have paws only.

[Dax]

It's a joke. That's probably only fan.

[Caleb Hammer]

Only fan. Why? After the breakup, that's our last step in a relationship with myself.

[Dax]

Yeah.

[Caleb Hammer]

Why are you okay with that? That can't be the rest of your life, man.

[Dax]

I don't know. I think I'm better off single.

[Caleb Hammer]

Why?

[Dax]

I think I do better financially in ways.

[Caleb Hammer]

Because you're not sending sugar babies money? Sure. So what? Happy massages and grinder for the rest of our life?

[Dax]

No.

[Caleb Hammer]

Well then what? What is your outlook? Cause there's no point like you're trying to. What's the point of getting the life saving surgery? What's the point of paying off all this debt if there's no future to live for? What are you trying to do? You're not even willing to like date again?

[Dax]

No, not right now anyway.

[Caleb Hammer]

Why?

[Dax]

Because I don't want to be in the same situation that I'm currently in.

[Caleb Hammer]

Just don't get someone that relies on you for your money. You don't even see them anyway.

[Dax]

Right. Which is why there's only and lot snakes.

[Caleb Hammer]

Okay. Okay. Well, $104.88 of interest with $125 minimum payment. And you're just getting that of not on that one.

[Dax]

I'm saying throughout all the cards.

[Caleb Hammer]

So when it could be on all the cards, I guess we'll find out. So to be clear, you blame the two X's for your financial mess even though we've obviously proven this wrong. And you also keep the dog around just so you can them for when you yourself in that chair. So everything is this endless deflection with nothing to look forward to in the rest of our life.

[Dax]

I'm trying to pay them off slowly. Trying to start with the lowest balance credit card to pay them off. Because there is cards that you don't have.

[Caleb Hammer]

Your lowest balance was zero and you brought it to $550,000.

[Dax]

No, you don't have it. There is no balance.

[Caleb Hammer]

The lowest card you had was $0 and you brought it to $551.

[Dax]

Right. That was supposed to be paid off.

[Caleb Hammer]

Today, but then it wasn't because you have IRS debt.

[Dax]

Correct.

[Caleb Hammer]

So what the are you talking about? Snowball. Does snowball methods suggest put money on a credit card?

[Dax]

No, it's to pay it off.

[Brandon]

It's a modified snowball.

[Caleb Hammer]

How's that modified snowball working for you?

[Dax]

Not too good, apparently. Should try Avalanche and Snowball at the same time.

[Caleb Hammer]

It could work. Up and down at the same time.

[Dax]

I don't know. We'll see.

[Caleb Hammer]

Buddy. Porn's free.

[Brandon]

Up and down at the same time.

[Caleb Hammer]

How much are we spending on the of the. I am not gonna ask to see his of. I do not want to see.

[Dax]

Well, it's not mine.

[Caleb Hammer]

I. No, I know what you subscribe to.

[Dax]

I don't know. It's only like $7. Maybe Max, I've spent.

[Caleb Hammer]

Show Brandon what you subscribe to. There we go. Instead of me. He'll try. He'll translate for me.

[Dax]

I don't think he wants to see that.

[Caleb Hammer]

Pull it up. Here we go.

[Dax]

There's nothing on there. It's all canceled.

[Caleb Hammer]

Let's see. We'll see the past subscriptions, but you.

[Dax]

Can see everything.

[Brandon]

I heard through the grapevine.

[Caleb Hammer]

Don't grunt. Just to pull it up.

[Dax]

No, I'm trying to think of how I usually log in.

[Brandon]

How many total subscriptions are there?

[Dax]

Should be zero. I just said that.

[Brandon]

No, no, no, no, no. In your past list.

[Dax]

Oh, I have no idea. I couldn't tell you.

[Caleb Hammer]

Ladies, if you're out there doing of and you want a career change, I'll gift you a course career certification and get you out of that. And you probably need therapy with it, so I'll give you three free sessions with Sondermind.

[Dax]

Is it all?

[Caleb Hammer]

Take it? Is it all Translate. What are we saying?

[Brandon]

I'm not allowed to say names. Stars, hearts, lots of eggplants.

[Caleb Hammer]

Wait, what?

[Brandon]

Okay, that's kind of a crazy name. Look at that name right there. One letter off.

[Caleb Hammer]

He has a lot of. I see a lot of messages.

[Brandon]

You do have a lot of messages.

[Caleb Hammer]

Translate.

[Brandon]

Okay, there's about 50 different people on here.

[Caleb Hammer]

Who are we talking to?

[Dax]

Nobody.

[Brandon]

Danny, Twink. Xx, Cash.

[Dax]

Some of those are probably so old, I don't even know who they are.

[Brandon]

This is wild, dude. There was maybe 50. There has to be a hundred. This goes.

[Caleb Hammer]

Translate. What's the video say? Have.

[Brandon]

Tidy whities in a six pack.

[Dax]

I know he wasn't a female. I don't go down that far.

[Brandon]

Did you see how long I was scrolling?

[Caleb Hammer]

He was scrolling for a while.

[Dax]

What was that, like two minutes?

[Caleb Hammer]

How much do you normally pay on the of?

[Dax]

How much do I usually pay? I don't pay. I just subscribe and then unsubscribe.

[Caleb Hammer]

Yeah, but how often are we doing this?

[Dax]

Not often. Maybe once every three months. If that.

[Caleb Hammer]

Why? Why does all of a sudden we get to that?

[Dax]

Want extra photos or video to get off?

[Caleb Hammer]

Wait, extra what?

[Dax]

Photos.

[Caleb Hammer]

Okay.

[Brandon]

Goon. Maxing.

[Caleb Hammer]

It's free. That's all I'm gonna say.

[Dax]

What's free or only?

[Caleb Hammer]

And sex?

[Dax]

Oh, yeah, true.

[Caleb Hammer]

Except not the places you go to.

[Dax]

No.

[Caleb Hammer]

Okay. You okay?

[Dax]

Only. He's okay.

[Caleb Hammer]

He's never experimented.

[Dax]

My three fee sessions. That's on your mind. Pass it over.

[Caleb Hammer]

You'll need it.

[Dax]

Double it or nothing.

[Caleb Hammer]

Well, you can gift him one of those monthly subscriptions as well.

[Dax]

I don't think he's into that.

[Caleb Hammer]

Okay, interest charges here so far here, nearly 350 bucks.

[Jake]

Fees. You had a fee.

[Caleb Hammer]

I told you. I told you, dude. You had a late fee this year so far on this card.

[Dax]

I don't know how that's possible. It's on auto.

[Caleb Hammer]

It's possible by you not paying it.

[Dax]

It's on auto. Everything's on auto.

[Caleb Hammer]

You didn't have enough money in your checking account?

[Dax]

Well, it's on auto, but I usually pay it before the due date.

[Caleb Hammer]

Don't care. You've had a late fee this year.

[Dax]

Just one.

[Caleb Hammer]

Just one. I don't know how that's possible by you not paying.

[Dax]

Well, no.

[Caleb Hammer]

Well, that's how it's possible. A further down conclusion would be not enough money in your checking account when the automatic payment was supposed to happen.

[Brandon]

If I may, we're spending our money on.

[Dax]

Not all of it.

[Caleb Hammer]

Which is more important than paying for your own rent, having your own independence. Okay, okay, Leifi, I told you that you don't just stay at the height. At the top of the credit card limit for three years without purchasing or without late fees. And now we know there's both.

[Dax]

Yeah, I had no idea there was a late fee. I don't know how that is.

[Caleb Hammer]

Verve credit balance $1,660.82 with $15 of fees for Y.

[Dax]

That's probably the annual fee. Annual fee or the.

[Caleb Hammer]

That's a monthly maintenance fee.

[Dax]

Yeah, yeah.

[Caleb Hammer]

For sake.

[Jake]

$20 of purchases.

[Caleb Hammer]

Why are you possibly purchasing on a car that you can pay off that there are monthly maintenance fees, which. Well, what is even the credit limit on this thing? Do you know on that one?

[Dax]

Yeah, I would. Have a look.

[Caleb Hammer]

Interest accruing 50 bucks. So we're purchasing our car that we can't pay off, that fees are being accrued that takes five years to pay off. Doing our minimum payments only without any purchases, which is crazy. It's crazy. $85 minimum monthly pay. I mean, $84 minimum monthly payment. We have necromancy.

[Dax]

Huh?

[Caleb Hammer]

Necromancy.

[Dax]

I don't know what that is. I'VE never.

[Caleb Hammer]

I thought we were heavy massages, not necrophily.

[Dax]

I don't know what that is.

[Caleb Hammer]

Necromancy. That's what you purchase sp Necromancy. You're purchasing it on the card that you cannot afford.

[Jake]

You are the one who has swiped.

[Dax]

I understand that, but I don't know what it is.

[Caleb Hammer]

You're the one who budgets. You said you don't even know what the this is. You don't even know how much you spent.

[Dax]

On that. On that card. I don't know what that.

[Caleb Hammer]

What your car is overall. You remember can we go like 20 minutes ago when he said you thought you spent like 5,000 or 4,000 when he spent 9,000.

[Dax]

Right.

[Brandon]

We swipe and then we snowball an avalanche. We don't budget, boss.

[Caleb Hammer]

Oh, sake. Okay, this is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win win for both of us. What do you have to do? Sign up for a SoFi high yield savings Account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. What the. Or, like you're just going and getting this thing and you don't even know what it is. Are you not even plotting out your purchases? You don't even know what this is? I'm being told it's some kind of makeup or cosmetic thing.

[Dax]

I don't know. I mean, there could have been. My ex probably purchased on that because I know you.

[Jake]

Six months ago is when you broke up your. This is a month ago.

[Dax]

He still had it locked into his phone. I told him to delete it. Delete all my card information.

[Caleb Hammer]

Can't reset it.

[Dax]

I can't reset a card number.

[Jake]

Yes, you can. You say it's lost or stolen. You tit.

[Dax]

You could.

[Jake]

That's what you do.

[Dax]

Yeah, but then it just shows up at a house.

[Brandon]

When you order a card, it shows up at the house.

[Jake]

Yes.

[Dax]

Right. And then he gets the mail. I'm never home.

[Caleb Hammer]

He's still there.

[Dax]

Yeah.

[Caleb Hammer]

You broke up with him six months ago and he's still there.

[Dax]

Yeah, but he's buying some rent and you're paying Rent? No, he's by himself.

[Caleb Hammer]

You're paying rent.

[Dax]

No, I'm not.

[Jake]

You said at the beginning, you said you're maintaining the rent. You had.

[Dax]

No, the rent is done.

[Jake]

Buddy.

[Caleb Hammer]

I can't get fucking answer out of.

[Jake]

You to save my life.

[Caleb Hammer]

That is correct. Cause then I learned something completely different.

[Jake]

That is. What are you talking about? At the beginning, You.

[Caleb Hammer]

What the. Man, do you know what's going on in your own damn life?

[Dax]

Yeah. There's no more rent. The lease ended and he took it over? Yes.

[Caleb Hammer]

Then why at the beginning did you not tell me that and suggest. Where are you living now?

[Dax]

I'm moving back to Florida.

[Caleb Hammer]

But six months ago, when you broke up, where have you been living?

[Dax]

The lease wasn't over.

[Caleb Hammer]

When did the lease end?

[Dax]

Last month.

[Caleb Hammer]

Where have you been living for a month?

[Dax]

In the truck.

[Caleb Hammer]

Okay. With the lot snakes. Okay.

[Dax]

No, my daughter.

[Caleb Hammer]

Is that a 36% interest rate? There's actually 36% interest rate. And you purchase makeup that you don't even know about and you refuse to get it, reset the number because it shows up. Change the address that it shows up to, you tit. And then request a new card.

[Dax]

Doesn't that take like 30 days or so? What to do with change of address on a card?

[Caleb Hammer]

I've changed my addresses on a card multiple times. I don't know. But I also don't check the mail very much because I live in the 21st century. So it's worth a try, is it not? You're just gonna let him spend on here forever? You're still sugar babying, but you don't get any of the benefits.

[Dax]

I blocked him out. All the credit cards off.

[Brandon]

So I'm talking so much bull that I'm getting confused.

[Caleb Hammer]

Yes, because you said this would have been him. That's impossible if you locked him out.

[Dax]

I didn't lock him out. I just locked it. I just locked it.

[Brandon]

I am a prosecutor's dream.

[Dax]

Okay?

[Caleb Hammer]

Oh, buddy, I don't think you know what's happening around you. I'm. I'm concerned that you're on the highways. There are signs you have to follow.

[Dax]

Yeah.

[Brandon]

No cop, no stop.

[Dax]

Well, just keep going.

[Caleb Hammer]

Okay, moving on to sir, you clean.

[Dax]

Same company, so it's going to be high interest also.

[Caleb Hammer]

Oh, good. That sounds like a great $36 on then. Was this him too?

[Dax]

No, that was probably me because I have all the cards.

[Brandon]

We snowball and we avalanche.

[Caleb Hammer]

Okay. Sir you ling. Sir. Sir you lean. We have a balance of a thousand four hundred sixty four dollars. 69 cent with interest charging $42.89. $675.77 was the previous balance. You only made them? We made a $90 payment. Then you purchased $836.03. Why?

[Dax]

I'm assuming it's on food.

[Jake]

It's not on food, but it's mostly on food.

[Caleb Hammer]

Arby's.

[Jake]

More Arby's. Why are we going to Arby's?

[Dax]

So it's at truck stops. Gotta have the meats.

[Caleb Hammer]

You already have them.

[Brandon]

The meats were in your only fan.

[Dax]

Well, it's true.

[Caleb Hammer]

Went and got some bull. Scooter's Coffee, Amazon Marketplace, Regal's Nail Salon. That has to be a front. That's double nail salon in the same month. Is that where the happy massages are done these days? No, I haven't personally investigated real.

[Dax]

Shouldn't be the same month.

[Caleb Hammer]

It's the same month.

[Dax]

I don't know how that is. Then.

[Brandon]

I went once, and then I went again, and I thought they were different months.

[Caleb Hammer]

Lips Along Lion Salon and Spa. You go to a lot of different questionably named.

[Dax]

I don't name them parlors, but you.

[Caleb Hammer]

Go to different ones on the roads. Do you check? No.

[Dax]

Cause those are on other roads.

[Caleb Hammer]

Huh?

[Dax]

Those aren't on the roads.

[Caleb Hammer]

Then why are we going to.

[Dax]

Because I do that on my home time.

[Caleb Hammer]

They sound very fishy. You wouldn't admit it if you did it, would you?

[Dax]

Admit what?

[Brandon]

I appreciate a local tug.

[Caleb Hammer]

Would you know?

[Dax]

I don't know. We'll find out.

[Caleb Hammer]

I mean, come on.

[Brandon]

I definitely appreciate a local tug.

[Caleb Hammer]

Yeah. Winning. Got some bull. I mean, come on. I've had enough of these conversations. I'm not gonna make you say it. $60.96 of interest accrued this year so far. It's about to be a lot higher because it just doubled the balance with a 35.9% interest rate. All right, Capital One, what's going on with this card?

[Dax]

Which Capital One is that?

[Caleb Hammer]

Capital One Platinum.

[Dax]

That's a secured card. There's only, like, a $200 balance on there.

[Caleb Hammer]

What's going on with this card? Because that didn't answer any of the questions. All I see is you're above the credit card limit.

[Dax]

I use it for when I don't have money in my account for food.

[Brandon]

Brother needs to eat. I'm hungry.

[Caleb Hammer]

Buddy, you know you're getting the surgery for this, right?

[Dax]

Yes.

[Caleb Hammer]

Why don't we start the. Yeah, you know, you know. Do you know why? Dr. Now. Big fan.

[Dax]

Dr. Now. Yeah, yeah, yeah.

[Caleb Hammer]

Do you know why he makes them lose so much weight before they're allowed to get the surgery?

[Dax]

Nope. Cause you're a fat.

[Caleb Hammer]

Come on, Try to use the brain. I know. It's just in the truck all day. Try to use it. Why do you think you guys look like a very cute gay couple that I'm sure you're used to? In the camera that I'm looking at, you would, right? You'd hit.

[Dax]

No.

[Caleb Hammer]

Oh, what the. You just insulted my boy. All right. Don't worry.

[Dax]

No, I'm not. I'm not sure why he does that.

[Caleb Hammer]

Come on, think. Think. Please think.

[Dax]

To show a willingness to.

[Caleb Hammer]

Okay. Headed in the right direction. One, I mean, this is the obvious, and it's the stated reason it's a very risky surgery. So getting them under as much as possible, you know, getting them to lose as much weight as possible makes it less risky. That's the obvious. Two, it's the showing that they have any inkling of the behavior that is going to actually make them lose weight after the surgery, because all it's doing is reducing your stomach by, what, 90%? So with that, it's showing that you're going to actually maintain through. However, you are very clearly not. And it's just like your bankruptcy situation, which makes me nervous to have the surgery because you don't change your behavior. You try to do the shortcut options instead of actually putting in any work before or after. And look where we are. After your bankruptcy, the same thing's gonna.

[Jake]

Happen with the light.

[Caleb Hammer]

Not the lipo, the gastric bypass. You're gonna get it, and then you're gonna balloon it.

[Dax]

I hope not.

[Brandon]

I don't think so. But you're probably right, Caleb.

[Caleb Hammer]

I'm probably right? Cause let's. We looked at your past. Come on. It's a huge failure rate with that surgery anyway when it comes to people actually losing over time and holding the.

[Dax]

Bypass, yes, it's better than the sleeve.

[Caleb Hammer]

Okay? But it's still behavior change, and you have no inkling of behavior change. You do shortcuts and then blame game. That's your entire life. Okay, well, again, you're over the credit card limit on this. You paid off your previous balance, but then you purchase $451 and 86 cents.

[Jake]

Okay, well, we started off with every.

[Caleb Hammer]

Card like we always do with Arby's. All right, why are we starting every card with Arby's?

[Dax]

You. I do. That's what's at truck stops. There's only Arby's, Subways, Chesters, Subways would be healthier.

[Caleb Hammer]

Chesters would probably be tastier. Even though I've never had it. But it's Arby's.

[Dax]

Have you had their burgers?

[Jake]

No.

[Caleb Hammer]

Cause it's Arby's.

[Dax]

You should try it. It's actually pretty good.

[Brandon]

I eat deer ankles.

[Caleb Hammer]

We went in and got some bull Wendy's, McDonald's, Dunkin Donuts. Bull, bull. McDonald's. Noodle Dumplings. BS Blazepizza. Etsy.com. where are we even ordering that to? To the apps.

[Dax]

Etsy.com.

[Caleb Hammer]

Are you trying to win him back over?

[Dax]

No, that's probably one of the ones that was locked into his phone. I don't have it. I don't never order from Etsy.

[Caleb Hammer]

Oh for sake.

[Brandon]

I'm lying.

[Caleb Hammer]

Yeah. Come on dude. I can't believe what we're just saying at this point. Noodles, McDonald's, Sonic Drive. And you're going to Sonic too. Disgusting drinks. Yeah, the price point kind of reflects that first truth you've told. Taco Bell, Dunkin Donut, Baskin Robbins, Chick Fil A and other Etsy.

[Dax]

Yeah, I don't Etsy's. I don't know. I've never purchased from Etsy.

[Brandon]

Sugar babies with no sugar.

[Caleb Hammer]

Yeah. Where is it? You're not getting the sugar.

[Dax]

It's Splenda.

[Caleb Hammer]

Dude, you're not even getting that. Sp. Wild Bloom.

[Dax]

Doesn't ring a bell. That's the website.

[Caleb Hammer]

It's the purchase name.

[Dax]

I have no idea.

[Jake]

Let's look it up.

[Caleb Hammer]

I don't know. It's all blonde over tanned Karens. That's all like Etsy jewelry. Honestly.

[Dax]

Yeah, I wouldn't. That's not mine. I mean it's on the car but I have no idea what it is.

[Caleb Hammer]

But it also. Can we see what your ex looks like? I don't know if he fits in that from everything I know.

[Jake]

What is this?

[Caleb Hammer]

$40 of Grinder Premium.

[Dax]

There's no way, buddy. Why would I use a premium?

[Caleb Hammer]

That's what I was saying about.

[Dax]

Right. I don't know how there's $40 and.

[Caleb Hammer]

Yeah, I'm fucking with you on that one.

[Dax]

Got me on that one.

[Caleb Hammer]

But a part of you believes it.

[Dax]

I did.

[Brandon]

It's got to chat GPT the image first.

[Caleb Hammer]

If this person looks anything like my translator here, I'm gonna be definitely not. Brandon is a handsome man. You shouldn't date him cause he's a horrible person. But he's a handsome man.

[Dax]

Damn. You think about all of your employees.

[Caleb Hammer]

Yeah, he's a part of the Goon Squad.

[Brandon]

We go back and forth.

[Caleb Hammer]

It's all in the YouTube membership, baby. The best one on the platform link in the description below.

[Dax]

Wow.

[Caleb Hammer]

We don't. We don't know his name.

[Dax]

I didn't say that. I'm looking for a photo. You asked for a photo. Correct.

[Caleb Hammer]

Instagram, Facebook.

[Dax]

I don't have Instagram. You don't have Instagram?

[Brandon]

Every boomer has Facebook.

[Caleb Hammer]

How do you find sex?

[Dax]

Do I find sex these days? I don't. Lots of sex. But you would be interested to know that actually, that is how I met him.

[Caleb Hammer]

Grindr?

[Dax]

Yep.

[Caleb Hammer]

Oh, it's so inappropriate. But I luckily have his legal consent, so I don't really care. When is the last time you had sex?

[Dax]

A long time. Like two years.

[Caleb Hammer]

The Asian parlor does not count. Two years. Wait, you broke up with him six months ago.

[Dax]

Doesn't mean anything. I'm never home.

[Caleb Hammer]

But you said you went home once a month at least.

[Dax]

Yeah, to like, take a break or whatever.

[Caleb Hammer]

Not to, like, have sex with your partner.

[Dax]

Correct.

[Caleb Hammer]

That you paid for. When I purchase an item, I like to make good use of it.

[Brandon]

100%.

[Dax]

Okay, here's the thing.

[Caleb Hammer]

There was no sugar in this baby.

[Brandon]

Oh, there was sugar in that baby. It just wasn't his.

[Dax]

Do you want to see her?

[Caleb Hammer]

Yeah, both of us.

[Dax]

That's an old photo.

[Caleb Hammer]

I said it was a small little twink. I told you. And yes, this is the most as clear as day sugar baby situation. Can we be real? Can we be real?

[Dax]

Sure.

[Caleb Hammer]

Come on. That was a sugar baby situation, was it not?

[Dax]

It more than likely was.

[Caleb Hammer]

Come on. There we go. You guys didn't. I mean, listen, I ask wild questions, I ask inappropriate questions, but they always lead somewhere. Come on.

[Dax]

Here's the one before.

[Brandon]

They're like night and day different.

[Caleb Hammer]

Well, let me see. He went from twink to. Yeah, just slightly older twink. I mean, I get it, but yeah. Okay, okay, okay. Well, that confirms. Was the one previous to Sugar Baby 2. No. Okay, see, I want you to find love and a reason to just. A reason to go home, a reason to do things, a reason to put in the work, a reason to stick around. Because the main thing is, it's just like you're not gonna get there with the sugar baby situation. You're just not. Okay. I want you to find love. And looking for sugar babies isn't gonna do well. Let's kick Brandon out and go through these conversations. Thank you, Brandon, good translator.

[Dax]

Woo Ro, come here.

[Caleb Hammer]

I don't need a translator to get through the rest of these 31.24% interest rate. Certainly not good. Obviously the method is not working.

[Dax]

The avalanche snowball. No.

[Caleb Hammer]

Yes. The combination that goes nowhere. Okay. Oh, for money to family. $600.

[Jake]

For what?

[Dax]

Whenever I'm negative in my account.

[Jake]

Why would you be negative though? You don't overhead.

[Dax]

Whenever I'm negative in my account. I don't even ask.

[Caleb Hammer]

I'm asking you why I should have kept him in here.

[Jake]

Answer the damn question.

[Caleb Hammer]

Why would you be negative in your account?

[Dax]

When I calculate to pay the bills manually, there'll be times that I don't correctly input it and I'll forget.

[Jake]

You get harder to listen to when.

[Caleb Hammer]

He'S not next to you. Okay, listen, buddy, you make good income for someone with no overhead. Limited overhead, let's be real. But do you own your truck or do you rent your truck?

[Dax]

Neither. Comedy driver.

[Caleb Hammer]

Okay, that's even better, right?

[Dax]

Yes. So.

[Caleb Hammer]

What the.

[Jake]

What the. How could you ever be negative?

[Caleb Hammer]

No surprise you had a late payment, right? If you're just saying you're negative. When did you borrow from the famous, um.

[Dax]

When I'm negative, it just gets sent. I don't even ask.

[Caleb Hammer]

What? How would they know?

[Dax]

She.

[Caleb Hammer]

That family member.

[Dax]

Yes. That family member.

[Caleb Hammer]

Has access.

[Dax]

She has access.

[Jake]

You're 40. You're 40.

[Dax]

Benefits.

[Jake]

Huh?

[Dax]

Death benefits. You know, if I were to pass, they have access to it and vice versa.

[Jake]

You can still. You can still.

[Caleb Hammer]

You don't have anything, by the way. You don't have assets. But either way, you can still have a will where it goes to them. Why do you.

[Jake]

You don't need.

[Caleb Hammer]

That's embarrassing. Purchase everything in our credit cards as a 40 year old child. And then family members comes in and bails us out because we put all our money towards paying off the minimum payments on the credit cards using two combined non payoff methods.

[Jake]

So they see, uh oh, family member doesn't have money. Let me put it in for him.

[Caleb Hammer]

When you just go and blow it all on Arby's and of.

[Jake]

Come on. Do you not see how much of.

[Caleb Hammer]

A joke that is? That's a joke.

[Jake]

That's a joke.

[Dax]

I disagree.

[Jake]

How?

[Dax]

Because I don't ask for it, it's automatically done.

[Jake]

You didn't say you did. I didn't say you did.

[Caleb Hammer]

I said you go and rack up all the money on Bull spending on cards they don't have access to. And then in order to make your payments, you drain your accounts. Then they say, oh no.

[Jake]

Bull will. Bull will. Jax, Dax doesn't have all money. He doesn't have money. Let's give him money.

[Dax]

I mean, I don't ask for it, so.

[Jake]

Oh, I just said that. Doesn't matter.

[Caleb Hammer]

It's how you do it.

[Jake]

It's how you do it.

[Caleb Hammer]

It's what you do with the how. How can. How are you not comprehending that, buddy? Big guy friend. Mr. Jacks. Dax, why are you not able to comprehend what the. I am saying?

[Dax]

Lack of oxygen.

[Caleb Hammer]

Yeah. Where's the tank?

[Dax]

Behind you.

[Caleb Hammer]

Wow. Oh, you think you're clever. Jeez, that's. That's a rough one, man. I'm sorry, I'm sorry.

[Jake]

Woo.

[Caleb Hammer]

I gotta get you out of the truck. It's not a good place for you. Not a good place for the dog.

[Jake]

Okay, fam.

[Caleb Hammer]

$600. Do we have a minimum fee payment agreed upon for that or what?

[Dax]

No, that's the one we just discussed.

[Caleb Hammer]

Huh?

[Dax]

That's the one we just discussed. She don't care. She don't care. It's just whenever.

[Jake]

Why do you become.

[Dax]

There's no minimum payment.

[Jake]

Why do you wait for him to.

[Caleb Hammer]

Leave to give me income here? Dax. Yes, my boy? What the are you on? Okay, okay. There's no agreed upon payments. What have the conversations been around this?

[Dax]

It's just pay me back when you can. That's all it is.

[Caleb Hammer]

But if you don't ask for it, it's just given upon you. It's a forced upon debt.

[Dax]

I can see that.

[Caleb Hammer]

No, let's not make you a little victim. I'm giving you that ability. No, no, no. You don't need that in your life.

[Dax]

It is a debt, but it needs to be paid back.

[Caleb Hammer]

But you know the conversations. You have it. What do you say? What does she say?

[Dax]

I would ask how much in total she spent and she would tell me, but it's not like I'm asking her for the money.

[Caleb Hammer]

I've never had someone fart in the studio this many times. Listen, you also have and I know the difference. I know the difference. You are not getting out of it. It's just leaking. And you probably don't even know that's gross. Yes, but I'm the one smelling it.

[Dax]

I don't know what you're smelling. I don't smell anything.

[Caleb Hammer]

Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire Internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget. No matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the the very first time, or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to caleb hammer.com or just click those links in the description below. Money to friend one? Yeah. Money to friend two years ago.

[Jake]

It's $1991.

[Dax]

It was more than that.

[Jake]

What the are you doing? But it was too.

[Caleb Hammer]

You haven't paid him in over two years though. It was originally 4000, but you haven't.

[Jake]

Paid in two years.

[Dax]

Right? How am I supposed to pay?

[Jake]

What the.

[Caleb Hammer]

With them?

[Jake]

By not going to Arby's? You what are you. What? By not subbing to of. By not getting happy endings. What do you think? By not putting the money where you.

[Caleb Hammer]

Put it and giving it to him. Why did you borrow this? And why have you not paid in two years? Let's hear an answer. And don't tell me oxygen tank.

[Dax]

Um, I don't exactly remember why it was borrowed.

[Caleb Hammer]

Oh, for sake. You're not.

[Dax]

I don't remember why it was borrowed. It's been so long. I couldn't give you a reason.

[Jake]

It's been four years.

[Dax]

Yeah. I can't remember what I borrowed it for.

[Jake]

No, no. It's been four years.

[Caleb Hammer]

You did not borrow it at four.

[Dax]

No.

[Caleb Hammer]

You know that, right?

[Dax]

That's not what I said. That is what you said.

[Caleb Hammer]

That is what you said.

[Dax]

No, it's been four years. I don't remember within the four previous four years what the money was borrowed for.

[Caleb Hammer]

Okay, I know what the. I do. How do you not know?

[Dax]

I just don't remember what it was.

[Caleb Hammer]

For.4,000 hours to a friend is not significant. At one time you told me it was a 4,000 hour. You told the producer it was a 4,000 hour loan. You took it out.

[Dax]

It wasn't at once.

[Caleb Hammer]

What kind of stuff were you borrowing it for, Dax?

[Dax]

Probably rent.

[Caleb Hammer]

I don't know why?

[Dax]

Because I was contractor at one point.

[Caleb Hammer]

But you didn't even have an ex to blame it on at that point. A fake ex.

[Dax]

No. Cause we were still in a relationship at that point.

[Caleb Hammer]

Doesn't make sense. You said you were together three years and you broke up six months ago.

[Dax]

No, it's been six.

[Caleb Hammer]

Six.

[Dax]

And we broke up about six months ago.

[Jake]

What are just.

[Caleb Hammer]

Dax, Dax, Dax, my precious Dax. So what the are you talking about?

[Dax]

The debt. I don't know what it's the debt. The $4,000.

[Caleb Hammer]

It's warm in here. I want to make sure you are not having a stroke.

[Dax]

I be.

[Caleb Hammer]

No, no, no. Like I'm actually asking. Cause you are not comprehending these questions. Are you okay?

[Dax]

Yes.

[Caleb Hammer]

Okay, then try. Cause I literally just said that and then you said it's. It's been six.

[Dax]

No, it's been six years.

[Caleb Hammer]

Since what?

[Dax]

In a relationship.

[Caleb Hammer]

What? Oh, okay. That was a six year relationship. Sorry, I thought I remembered three.

[Dax]

Yes, the relationship with my current ex has been six years. But that four year has. I don't know. It's what it was borrowed for. Without. For the four years. I couldn't tell you what it was.

[Caleb Hammer]

Okay. Why the haven't you paid in two years? How about that?

[Dax]

Because he don't mind. He much rather have the friendship.

[Caleb Hammer]

He don't mind.

[Dax]

He much rather has a friendship.

[Caleb Hammer]

We need to practice just talking, man. Go on.

[Dax]

He much rather have the friendship than have the money back.

[Caleb Hammer]

That it should not be either. Or if you're a good friend, you'd pay it back.

[Dax]

That's true.

[Caleb Hammer]

Yeah, it's true. So why the aren't you? I didn't ask why isn't he asking? I'm asking why aren't you?

[Dax]

I kind of forgot about it, honestly.

[Jake]

Bull. He told us. Dax.

[Dax]

Yes.

[Caleb Hammer]

Answer the question.

[Dax]

I don't know what I told you. I don't know what it's for.

[Jake]

Dude, that's not what I'm asking. Oh, I'm asking why you haven't made a payment in four years. And no, it's not cause you forgot about it.

[Caleb Hammer]

Cause you literally told us about it. So why the not.

[Dax]

I just haven't. I kind of forgot about it, to be honest.

[Jake]

No, this has to be honest.

[Caleb Hammer]

You. I don't think you've been honest once in your life. What happens if we call your friend? What would he say?

[Dax]

Well, I just told you.

[Caleb Hammer]

Call him and ask him his opinion on the debt and that you haven't paid.

[Dax]

On the debt that I owe him.

[Caleb Hammer]

And that you haven't paid in two years. Mind of the Dead is $1991. Yeah, you gave us down to the dollar. So you don't remember speaker to hear. We'll bleep names. If names are said it so it's okay. Do people not know how to pick up phones and.

[Dax]

Flatbeds? We want to be.

[Caleb Hammer]

We are filming a the financial audit right now. Okay, we'll try them again in the post show. People are not answering right now.

[Dax]

Should I.

[Caleb Hammer]

They don't know how important this is. Yeah, give him a text. Give them both a text. Say you want to talk to both of them. The ex and you already tried calling the ex? Yeah, text him. Just asking if he can pick up like what up, Twinkle?

[Dax]

He would have already called you back.

[Caleb Hammer]

Just text him, dude, I have do not disturb on. So he may have. Okay. Why do I see debt to X's sister?

[Dax]

That's for the car. Because I don't have a car. For car.

[Caleb Hammer]

Vehicle.

[Dax]

Yes, car.

[Caleb Hammer]

Okay.

[Dax]

Instead of the car that I sold that I paid the debt off with my current vehicle that I have that I purchased after was hit by hail. So we didn't.

[Caleb Hammer]

I didn't have insurance.

[Dax]

Rental's insurance.

[Caleb Hammer]

Rental?

[Dax]

Yeah, rental. When you hit your vehicle gets an auto body shop.

[Caleb Hammer]

I didn't have a. Oh, oh, yes. Okay. So you bought a car when it was in the fucking shop.

[Dax]

Yeah. That way he could have something to drive to go to work.

[Caleb Hammer]

But why'd you just use the justification of your car being in the shop for you buying a car? And also used his sister's money? No, I see money owed to ex's sister.

[Dax]

Yeah, I bought the car from her for my ex.

[Caleb Hammer]

But use the reason of your car being in the shop.

[Dax]

Hailstorm. It was in for a month and a half.

[Caleb Hammer]

Yes, I know why we've established that part. You said that's why you got the car. And then you said it was for him. But you said it was because your car was in the shop.

[Dax]

Right? I didn't have a rental agreement, so I. He needed to get back and forth to work, so his sister had an additional car to use.

[Caleb Hammer]

You drive him back and forth to work? Typically, no.

[Dax]

I'm over the road.

[Caleb Hammer]

So why does your car being in the shop matter?

[Dax]

Because he got repaired. There was only one vehicle.

[Caleb Hammer]

Okay, so he used your car.

[Dax]

Yes, he was using.

[Jake]

There we go.

[Caleb Hammer]

Dude, that is so much easier.

[Jake]

Why couldn't you just say that?

[Dax]

There's only one.

[Caleb Hammer]

You pretend like me and the audience and Lindsey and Jake already know your life. We don't. We're uncovering it right now. You have to give context.

[Jake]

Dax.

[Dax]

Yes, there was one context. One vehicle.

[Caleb Hammer]

Are you paying her?

[Dax]

Yes.

[Caleb Hammer]

How much a month?

[Dax]

200.

[Caleb Hammer]

Okay. How much did you borrow at the. At the start of it?

[Dax]

I didn't borrow it. I owed her the full balance of 2,700.

[Caleb Hammer]

Okay. That is 200amonth. I never know what I'm walking into when I'm walking into this room.

[Dax]

Well, I've paid about 1,400 of it so far. Of the 2700.

[Caleb Hammer]

Yes, you have. Okay. Okay. And please tell me you're not paying for the insurance, right?

[Dax]

Yes. It's under the same policy, so.

[Caleb Hammer]

Yes, you are paid for.

[Dax]

Yes.

[Jake]

Get a different policy.

[Caleb Hammer]

You're paying for your ex's car insurance.

[Dax]

Yeah.

[Jake]

You're daddy and without the sugar.

[Caleb Hammer]

Still. Still.

[Dax]

Yep.

[Caleb Hammer]

Even though it doesn't sound like you got much, but regardless.

[Jake]

Why get in a fucking policy.

[Dax]

I need to. It's kind of expensive.

[Caleb Hammer]

No, I asked why.

[Dax]

Why did you have a different policy?

[Caleb Hammer]

Why you aren't getting one.

[Dax]

I need to.

[Caleb Hammer]

I'm asking why you aren't.

[Dax]

Because I was calling around getting quotes for insurance.

[Caleb Hammer]

Why?

[Jake]

It takes five seconds online.

[Caleb Hammer]

It takes five seconds online.

[Jake]

I know it takes five seconds.

[Dax]

I've gotten some quotes.

[Caleb Hammer]

What calls are you making?

[Dax]

I've gotten some quotes for the. For new insurance, and it's about the same.

[Caleb Hammer]

Do you want to be paying for his.

[Jake]

No, that switch.

[Dax]

I agree.

[Jake]

Then why aren't you.

[Dax]

It needs a switch.

[Caleb Hammer]

You haven't answered why. You're not. You answered. You've gotten quotes, but not the why. You have not.

[Dax]

Because he claims he don't have money to put money towards.

[Caleb Hammer]

Claim he don't have money towards his own insurance.

[Dax]

Cause you gotta have money down.

[Caleb Hammer]

Does it matter? It's him. It's your ex. You are not the. Providing the money anymore.

[Dax]

It shouldn't matter now.

[Caleb Hammer]

Oh, okay. Got very focused on a black screen over there. Okay. Huh.

[Dax]

Life360. I am muted in case they call back.

[Caleb Hammer]

Okay, there's the IRS debt. Yes, wonderful. Why the do you have IRS debt?

[Dax]

Because that was when I was leasing.

[Caleb Hammer]

A truck through a company and.

[Dax]

I never paid the taxes on it. It built up.

[Caleb Hammer]

Cause you're a contractor, correct? Not because you were leasing a truck, but because you were a contractor. That was the tax structure, right? The way you answer these questions. Can I let you know something, Dax?

[Dax]

Sure.

[Caleb Hammer]

We almost ended this conversation 15 minutes in, but I'm very glad we didn't because this is so interesting. You are such an interesting person.

[Dax]

It's been a while since you said that, huh? It's been a while since You've said that.

[Caleb Hammer]

Do you watch every episode?

[Dax]

Yeah.

[Caleb Hammer]

Why don't you know how to act? Then.

[Dax]

There'S the camera, I guess.

[Caleb Hammer]

You nervous?

[Dax]

Yeah.

[Caleb Hammer]

Okay. Okay. It's okay, buddy. Your dog's here. $13,528.41 is owed to the IRS because you were.

[Dax]

Were a contractor didn't save up more than 13,000. There's three years.

[Caleb Hammer]

How much? Oh, my. So that's one year?

[Dax]

Yes, that's one year. There's 21 years.

[Caleb Hammer]

Let's start with this. Let's start with this, dude. Okay. You're accruing interest and penalty. Are you paying? Are you making payments?

[Dax]

Yes, I'm on a payment plan.

[Caleb Hammer]

What is your monthly payment for this one?

[Dax]

453.

[Caleb Hammer]

For this one alone?

[Dax]

No. No. And for all three combined.

[Caleb Hammer]

Okay, I guess we'll add. So it was three years of contracting that you didn't pay taxes. Wouldn't you learn your lesson after the first year? You would think I would think.

[Dax]

There's times that I have paid, but it wasn't the full amount, so.

[Caleb Hammer]

But why did you not learn your lesson after a whole year?

[Dax]

I thought the economy would have gotten better.

[Caleb Hammer]

What does that mean about saving for taxes, dad.

[Dax]

Make more money.

[Jake]

Huh?

[Dax]

Make more money.

[Jake]

This doesn't make it. No. Why didn't you learn to set money aside on year two and three? The economy doesn't have anything to do with setting aside money. Huh?

[Dax]

I just never. I didn't do it. That's the first time I had a dun. Contractor.

[Jake]

No, but it was three years of it.

[Caleb Hammer]

You would learn that you owed money after the first year. Please, please get. Please understand what I am saying. How did you not learn the second year? Maybe we should correct our behavior. Dash.

[Dax]

I couldn't.

[Caleb Hammer]

Why?

[Dax]

I tried and was just, you know, spend, spend, spend, spend.

[Caleb Hammer]

That's not trying. That's you spending and spending and spending, spending.

[Dax]

When I had the. When I was 10.99, that was paying the credit cards off every month.

[Caleb Hammer]

You're not. Why did you not attempt to set. Did you know to set aside money after you realized. Oh, I didn't set aside money the first year.

[Dax]

Yeah. Then why the.

[Caleb Hammer]

Didn't you.

[Dax]

Just. Didn't I, you know, pay bills either Average.

[Caleb Hammer]

That's a bill.

[Dax]

No, no. These bills.

[Caleb Hammer]

Tax.

[Dax]

But I know what the total is for that. For the three years.

[Caleb Hammer]

$37,703.32.

[Dax]

What's the minimum for all three combined? It's 453.

[Caleb Hammer]

And what's the interest?

[Dax]

I have no idea what I'm assuming.

[Caleb Hammer]

Generally fed rate plus like 2 or 3, so it's probably around 8%. This is going to take forever to pay off. $37,703.32. And you were only able to pay your taxes by being a W2, an individual.

[Dax]

Correct, which is why I'm now back to doing W2.

[Caleb Hammer]

I shouldn't be. It's the same basically. You pay. You sometimes pay a little bit more when you're self employed, but you also have more ways to get rid of some deduct some taxes, write off some things. What? I have notes. You have to owe Oklahoma taxes as well, but you don't even know how much.

[Dax]

Yeah, I can't log in. I've tried creating an account. I've had help trying to create an account. I can't figure it out. Call one of them for the first year.

[Caleb Hammer]

You looked so shocked when I said call.

[Dax]

Well, I mean, I could have, but I was trying to. They're gonna tell you to set the account up online anyway.

[Caleb Hammer]

Not necessarily. Did you call?

[Dax]

No, I did not.

[Caleb Hammer]

Well, how do you know that then?

[Dax]

Assuming.

[Caleb Hammer]

What the are you.

[Dax]

How much do you think you owe for 2021? It was just one year. There's the three years. The three years of 10 of contractor I would owe for every year.

[Caleb Hammer]

Yeah. How much do you think you owe.

[Dax]

To Oklahoma in total? 20,000. I don't know.

[Caleb Hammer]

Okay. You think you owe 20,000 to Oklahoma?

[Dax]

Correct.

[Caleb Hammer]

Okay. Separately from the IRS to confirm.

[Dax]

Correct.

[Caleb Hammer]

Okay. Oh, okay. And you're not on a payment plan, but you will be eventually. But at least you're fleeing. What is this? You got texts asking for Oklahoma taxes from a Michigan phone number. You click the links in the text.

[Dax]

But they don't work.

[Caleb Hammer]

But you got scammed potentially.

[Dax]

No, the. The website, the links that they sent, I guess they expire for a certain period of time.

[Caleb Hammer]

Why would a Michigan phone number text you about Oklahoma tax?

[Dax]

Don't know. That's why I didn't call her back.

[Caleb Hammer]

Did you click the links?

[Dax]

Yeah, because the links go directly to a business in Oklahoma.

[Caleb Hammer]

You are going to fall for. For a fishing spam within a year. You're going to get like horny and fall for like a horny fishing scam.

[Dax]

Do you say so?

[Caleb Hammer]

Do you know what that is?

[Dax]

A phishing scam? Not really, no.

[Caleb Hammer]

Oh, buddy. Good luck. Good luck out there.

[Dax]

I don't get phone calls for that, so I wouldn't know.

[Caleb Hammer]

Huh?

[Dax]

I wouldn't. I don't get phone calls for like that all that's blocked.

[Caleb Hammer]

Okay. Do you have an email?

[Dax]

Yeah.

[Caleb Hammer]

Okay.

[Dax]

I don't click on anything. I usually delete spam.

[Caleb Hammer]

I hope so.

[Dax]

Like that.

[Caleb Hammer]

Listen, buddy, I'd use a fizz card. That's all you can use because at least it only lets you spend on senior checking account. So you're not over your family member as well. Well, the IRS does. There's still more. Okay. The Hyundai. What's going on with the. In this?

[Dax]

That's the one that got hit with hail. That's my current vehicle.

[Caleb Hammer]

Okay. But it's all good now?

[Dax]

Yes, it's been repaired.

[Caleb Hammer]

Okay. $34,769.33. And you never use it, right?

[Dax]

Not really.

[Caleb Hammer]

You have a $769.88 minimum payment on a thing you never use. Why did you get a near $80,000 vehicle on something you never use someone.

[Dax]

To do with a warranty?

[Caleb Hammer]

Why?

[Dax]

Because sometimes if I change companies, I'll drive to that terminal instead of.

[Caleb Hammer]

Make your decisions then based on if you actually do. What a weird preparation for something you never use. What do you think it's worth? You owe $34,769.33. What is it worth now?

[Dax]

20, 10,000 less.

[Caleb Hammer]

Also, it does not take into account the damage, but it's being generous. The value.

[Dax]

We have about 27,000.

[Caleb Hammer]

Okay. Without even taking into account damage, we're seeing 23,000. It's probably worth five to $10,000 less though, because of the damage. This is the dumbest purchase ever. You can't. There's nothing to get out of this. You just have to pay this off or let it get repoed. And I might just let it get repoed. You never use it. Then get yourself a 10,000 hour car. Your credit. But your credit's already. Is that all your debts? What's the interest rate on that car? Do you know?

[Dax]

It should be like eight point something.

[Caleb Hammer]

Definitely not good. That's for sure. $377 in our checking account. Tacos. Apple bills. Getting some BS getting some BS. Apple bills.

[Dax]

Probably storage or.

[Caleb Hammer]

Yeah. Bring up your phone and don't take 10 minutes to do it. Noodles. Apple Bill. Getting some BS. BS. Girl Scouts. BS. Antonio's BS.

[Jake]

Apple Cash. Apple cash.

[Caleb Hammer]

Apple cash.

[Jake]

Zelling. Out. Zelling. I was selling out. Zelling. I was selling out. Zelling. Out. Zelling. I was selling out. Zelling. I was selling out. What the. Are you selling out every second of your life?

[Dax]

A month car payment. The $200 a month car payment.

[Caleb Hammer]

No because this is all in one month. You and it is 1, 2, 3, 4, 5, 6, 7. About 800. Okay, so there's two appleville capcut icloud grinder. It expired only last month, so actually I was spot on. How do I always know these things? How do I always know these things? I don't want to jerk myself off, but how do I always know these things? Yeah, but right now this is AppleCare Plus, Cap Cut and iCloud Plus. But I know Face Tune, Body editor. That doesn't help a grinder.

[Dax]

We all know Choke ass apps.

[Caleb Hammer]

Cause then you just meet up with someone and then they're not what you think. And then it's just like listen, embrace the chub. Embrace the chub. The chubby chasers will find it. You'll lure. You'll lure with your immense gravity and it just.

[Dax]

They'll get ya.

[Caleb Hammer]

Okay, we don't need to do the magic Editor. Screen mirroring, Face lab, Bloom AI editor. Come on, chat box.

[Jake]

AI image generator. What are we doing?

[Dax]

Didn't work, so I was playing around with him.

[Caleb Hammer]

Very curious. We're gonna look at something in the post show. We're gonna look at something naughty. We'll keep it behind the paywall so we don't get demonetized. It's going to be very, very goody as the poster typically is. Z out, Zel out. All in one month. What was it?

[Dax]

What are the amounts?

[Caleb Hammer]

Hundreds, Hundreds. Hundreds. Twenty, fifty hundreds. It's just so many Z.

[Dax]

So if it's from bank of America, it's probably to my. To that SOFI account for food.

[Caleb Hammer]

Oh, okay. Here's the SOFI account.

[Dax]

That's going to be all half of.

[Caleb Hammer]

What I started at. Now it's $76.70. Done. Dunkin Donuts. B.S. b.S. Burger King. B.S. b. S. B.S. bojangles. Bojangles. Come the on dealer. B.S. b.s. Burger King. Arby's, Hardee's. B.S.B.S, arby's, Hitio Children's. Hitio Children's.

[Dax]

H.T.O. childress. The location. Childress up north.

[Caleb Hammer]

B.S. bS Chili's. Oh, for sake. Arby's. B.S. arby's, Wendy's. He to Children's, Arby's, Mitch's.

[Dax]

Barbecue.

[Caleb Hammer]

B.S.B. s, McDonald's, Denny's online. Out of all the Denny's to get you get the order online. Going in and getting some B.S. mcDonald's Denny's. At least that one wasn't online. Going in, getting some B.S. road Ranger, McDonald's Sonic Drive In. That wasn't a drink that time. Or you're double fisting taco cabana going in against the bs Dude. This is insane. What? This is disgusting. This is disgusting. Moving out of mom's house. Before we know it, $4,700 comes in on a monthly basis. Your new rent is 800 that it's going to be, right?

[Dax]

Correct. Cool.

[Caleb Hammer]

That includes all utilities and everything. How does food work at this house that you'll be moving into with mother? Does she buy? Do you buy? Is it a combined pile?

[Dax]

It might be combined.

[Caleb Hammer]

Do you actually know?

[Dax]

Not at the moment, no.

[Caleb Hammer]

Okay, then we'll budget like it's not. Combined debt payments. $1,743.88. I don't think it was your rent that was killing you. It's your inability to pay off your debt and spending more money on food than you can ever possibly eat. Except unfortunately, probably not true.

[Dax]

Phone bill 45.

[Caleb Hammer]

Not bad. I like that. Gas. Vroom vroom. Drive, drive. Personal.

[Dax]

Maybe 80amonth.

[Caleb Hammer]

Still quite a bit. Car insurance?

[Dax]

240.

[Caleb Hammer]

Okay. $300 for groceries. $100 for miscellaneous. Bull, $150. Include the pup in there to keep him occupied while driving. Do you have dog insurance?

[Dax]

No.

[Caleb Hammer]

You should. I will put in 40 bucks. Looks healthy. Pet food. How much?

[Dax]

105Amonth.

[Caleb Hammer]

105. Medical, health care. How much on a monthly basis?

[Dax]

I'm not sure because comes out of.

[Caleb Hammer]

My checkout co pays or anything though. No, no.

[Dax]

I do have five education. Three months. 30 bucks.

[Caleb Hammer]

Huh? Three months for.

[Dax]

No. Every three months.

[Caleb Hammer]

How much?

[Dax]

30 bucks.

[Caleb Hammer]

Okay, so 10 bucks. Anything else that needs to be in your budget that I have not taken into account?

[Dax]

No.

[Caleb Hammer]

Do you think there's something here?

[Dax]

Too much spending.

[Caleb Hammer]

What? No way. It's just your f Cking spending. It's ridiculous. It's stupid, it's dumb, it's pointless. You need $3,513.88 to live. Didn't even have rent these last couple months. Been living in the truck. $1,186.12 is what you have left over to give you $186.12 of BS for the road. Thousand dollars left over on a monthly basis. Very good. Okay, well, yeah, but this is. I mean it's going to take 86 months to pay off the debt, pick up as many extra miles, trips, whatever you can do. You get paid per.

[Dax]

Per mile? Yes.

[Caleb Hammer]

Good take. You just grind it, grind it, grind it. If I don't want you to be single forever. But if you're choosing to be single Forever. Grind it out. Pay off this debt. Because right now it's going to take seven years, so you may as well do bankruptcy again at that point. But again, there's no point of actually doing that without changing your behavior because then you get here again and then we have the same conversation a couple years down the road. Change your behavior, then look at possible consolidations if you want to. Or grind this out. Bring in an extra thousand dollars a month. Pay this off in three years. How would I do that over the road, huh?

[Dax]

How would I bring in an extra thousand?

[Caleb Hammer]

Can you pick up more or are you max.

[Dax]

Get what they give me out, But I maxed out.

[Caleb Hammer]

So change roles. Pick up another job.

[Dax]

Okay. Maybe some of it online or something.

[Caleb Hammer]

Yeah, whatever you can do. Whatever you can do. Change a different hauling job. I don't know, buddy. But if you bring. Listen, if you can bring an extra thousand dollars a month and you actually do this, and I actually gave you bull, it takes three and a half years. Listen, it's simple. This. This is ridiculous. If you just didn't do your spending, which were all your fault, you wouldn't be in this position. But you have to cut it back now or not only are you going to be dead soon. Dinner, but you're gonna be dying in debt, not leaving anything to the family, that's for sure. Guys, join us in the post show. We're gonna do something very naughty and there's probably some extra tea that we don't know about yet that the producers will bring in. And I think I'm gonna bring in the translator as well. But Hammer financial score, spinning a budget. You spend over what you got. 0 out of 10 debt. IRS debt. 0 out of 10. Emergency fund, 300 bucks. I'll give you a 1 out of 10 to be generous. Retirement done. Oh, for sake, guy. 0 out of 10. Real estate, 0 out of 10. Truck doesn't count. Hammer financial score rounding up 0.5 out of 10. Make sure to download the budgeting app center for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail directly to your door. Now go join us in the post show in the best YouTube membership on the face of the platform. I want to go through my garage.

[Dax]

Why do you want to do that?

[Caleb Hammer]

Pull it up and see your profile. If I click on this, there will not be. This is a dangerous channel to click into.

[Dax]

No, it should be just photos and then meme. It's a real risky game. You guys I feel like.

[Caleb Hammer]

When I'm told there's nothing on the other ends.

[Dax]

To go through people's stuff.

[Jake]

I asked you Exclusive Members content Click.

[Caleb Hammer]

The link in the Description or Pin comment below and watch thousands of hours of extra and uncensored content.