Financial Audit's Most Vile Mother

Summary

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Financial Audit: "Financial Audit's Most Vile Mother"

Host: Caleb Hammer
Guest: Astrid (32, Fargo, North Dakota)
Date: August 12, 2026

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Overview

In this unusually brash and controversial episode, Caleb Hammer interviews Astrid, a single mother of two from North Dakota, dissecting her personal finances, life choices, and parenting style. The episode is raw—sometimes shockingly so—as it explores the intersection of financial instability, compulsive spending, single motherhood, and the problematic prioritization of personal gratification over responsibility. The conversation veers repeatedly into Astrid's personal life, her children’s struggles, her obsessive pursuit of romantic interests, and the impact of generational trauma.

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Key Discussion Points & Insights

1. Astrid’s Background and Income

• Astrid’s Jobs:
  • Day: Community liaison (take-home $4,400/month; paid monthly)
  • Night/weekends: Starbucks barista ($16/hr, average $800 extra/month)
• Why Two Jobs?
  • Astrid claims it’s about getting paid more frequently, but Caleb identifies it as a clear sign that she simply overspends and can’t budget.
• Location Nuance:
  • Caleb notes community liaisons elsewhere make over six figures; Astrid is making less and deflects on why she hasn't relocated.

2. Parenting, Custody, and Neglect

• Children’s Care:
  • Astrid’s two daughters (almost 13 and 10) are often left to fend for themselves, with the older watching the younger.
  • Their father is described as unreliable, "homeless" and regularly couch-surfing.
• Neglect and Minimization:
  • Caleb repeatedly confronts Astrid about prioritizing work and her own amusements over spending time with her kids.
• Alarming Child Wellbeing:
  • One daughter is self-harming and has been hospitalized, with Astrid downplaying the seriousness.
  • "You're choosing a comfy job over being with your kid. That's evil. Your kid obviously needs you." (Caleb, 09:00)
  • Astrid justifies absence: "I gotta work," brushing off the severity of her child’s crisis.

3. Relationship Obsessions & Financial Impact

• Pattern of Stalking & Compulsive Spending:
  • Astrid admits to spending hundreds on background checks, travel (including flying to Idaho to meet a man), premium dating app subscriptions, and relentless attempts to reconnect with uninterested men.
  • "Every fall, winter, cuffing season, I go through searching for guys. I need a cuff." (Astrid, 34:09)
• Notable Quote:
  • "You spend thousands of dollars on having fun and obsessing over men ... but then you won't spend time or money on the kids." (Caleb, 41:56)
• Cultural Double Standard:
  • Caleb rails against how a woman can get away with obsessive dating and stalking behavior online, yet men are immediately banned for less ("That's insane. You're insane. Our culture's insane." 21:50).

4. Emotional Coping & Self-Awareness

• Spending Spurs:
  • Astrid copes with romantic rejection by making impulse purchases—sometimes thousands of dollars worth of hobby paraphernalia (like a $2,400 fursuit).
  • Admits to shopping sprees at TJ Maxx and similar stores after breakups.
• Self-Awareness:
  • "I get a little obsessed. I can't help it. It just happens." (Astrid, 31:53)
  • Astrid does display flickers of recognition: "It's not the money that is failing. It's me." (11:19)

5. Budget Breakdown and Financial Disasters

• Total Income: ~$5,200/month
• Major Expenses:
  • Rent: $1,600/month (plus $65/mo. for old dog fee)
  • Truck Loan: $356/mo.; $10k underwater
  • Medical/Student/Personal Loans: Numerous, with large balances and minimums totaling $1,648/month (higher than rent)
• Compulsive Buying:
  • Repeated purchases on PayPal, Amazon, and subscriptions (Spotify, HBO, Netflix, Patreon, etc.)
  • Fast food nearly daily: "Your kids eat at McDonald’s every day. That is not being a good mom." (Caleb, 46:38)
  • Purchases of camping gear for a trip to Austin, including hotel alternatives, yet the trip cost more than hotels would have (68:13).

6. Relationship History & Generational Trauma

• Justifying Her Choices:
  • Astrid chose to have both kids with her ex to avoid "different baby daddies," despite acknowledging his unreliability ("Because I didn't want to have two different baby daddies." Astrid, 14:48).
  • Admits repeating her own mother’s cycle: "In the end, I'm just like my mom, you know?" (44:07)
  • "You want to repeat generational trauma." (Caleb, 44:10)

7. Host's Tone and Judgment

• Open Condemnation:
  • Caleb does not hold back: “You’re pathetic and disgusting. Because kids. Nothing matters more than kids.” (78:06)
  • Challenges cultural double standards and calls out audience hypocrisy, particularly re: weight, attractiveness, and internet outrage.
• Encourages Change (through blunt force):
  • "None of it works if you don't change your behavior first. And that starts by following this budget." (90:11)

---

Notable Quotes and Memorable Moments

On Astrid’s Parenting:

• "You spend money and time on dick. You do not spend money and time on them. Well, listen, so there is no other answer than you prioritize dick over your kids." (Caleb, 43:01)
• "Your kid is literally bleeding herself. You need to be there." (Caleb, 07:52)
• "I’m not a bad mom." (Astrid, 46:01)
• "You need to tell me that other than no, because I brought actual reasoning in what you're doing. Examples that equal bad mother. And then you say no, that's not true. Tell me why." (Caleb, 43:53)

On Stalking and Dating:

• "I financed the flight to Idaho to meet this guy I met online." (Astrid, 25:58)
• "You spend a lot of money stalking men." (Caleb, 19:00)
• "If a man literally said exactly what she said ... he'd be called a creep online and fired from every job." (Caleb, 24:44)
• "I just get stuck on one person at a time." (Astrid, 21:54)

On Spending and Coping:

• "When I bought a fursuit and furry stuff ..." (Astrid, 37:20)
• "I cope with treats, sit in my truck and cry over a blizzard ..." (Astrid, 35:24)
• “Your spending is insane. It’s on furry outfits.” (Caleb, 38:02)

On Generational Patterns:

• "In the end, I'm just like my mom, you know?" (Astrid, 44:07)
• "Actually you can. You're an adult. You have choices." (Caleb, 44:14)

On Finances and Consequences:

• "Your minimum payments are more expensive than your rent." (Caleb, 88:27)
• "Get rid of the truck and drive your car." (Caleb, 83:40)
• "How many times have you consolidated before?" "Probably like four times." (74:41)
• "What you make ... about a 3 out of 10 ... Hammer Financial Score: 1 out of 10." (88:00-91:00)

---

Important Timestamps

• Parenting Critique / Child Harm: 06:48–10:11
• Astrid’s Obsessive Spending Patterns: 18:06–21:54
• Stalking Men & Dating Apps: 19:00–25:05
• Finance Breakdown: 32:33, 59:00–62:10, 74:41–75:17, 88:04
• $2,400 Fursuit Story: 37:20–39:18
• Camping Trip Costs: 63:05–68:11
• Weight, Body Image, and Host Commentary: 47:56–50:30
• Caleb’s Blunt Assessment: 78:06—"Worst people I've ever met"
• Budget Numbers & Advice: 88:04-90:11

---

Final Assessment & Host’s Takeaways

• Caleb’s Final Financial Score for Astrid: "1 out of 10"

• Major Recommendations:

  • Sell the truck, attack debt, possibly consider bankruptcy
  • Stop compulsive, self-gratifying spending
  • Prioritize children's emotional, physical, and psychological needs—be present
  • Recognize and resist repeating generational traumas
  • Use budgeting tools but, more importantly, fundamentally change behavior

• Overall Tone:

  • Intensely confrontational, brutally honest, and often darkly comedic
  • The episode is a cautionary tale of unchecked financial/emotional compulsions and the real harm done when self-care becomes self-indulgence at the expense of dependents.

---

For listeners:
This is one of the Financial Audit’s most intense, polarizing episodes—a mix of financial intervention, parenting critique, and social commentary. It's messy, real, and sometimes difficult, but underscores the importance of self-awareness and responsibility in personal finance and life.

Transcript

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[Caleb Hammer]

Veris 18 to watch episodes of Financial Audit a week earlier. Check us out on YouTube. How much do you spend on their fun?

[Astrid]

We don't do fun. I don't have time for fun.

[Caleb Hammer]

Okay, that's what they're gonna remember. Not time with their mother.

[Astrid]

No, they won't remember that. They'll remember the YouTube that, you know, raising them. Not me.

[Caleb Hammer]

Yeah, no, the 12 year old already had SJW colored hair, so I wouldn't necessarily say that. And definitely had emo fit. Those wrists will be.

[Astrid]

They already are. So I financed the flight to Idaho to meet this guy that I met online.

[Caleb Hammer]

Literally. Your kid has almost died. Multiple.

[Astrid]

She hasn't almost died. You're being dramatic.

[Caleb Hammer]

You spend money and time on. You do not spend money and time on them. Well, listen, so there is no other answer than you prioritize over your kids. You're a obsession without the spell on you.

[Astrid]

I can't help it. I just want them to like me back.

[Caleb Hammer]

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[Astrid]

Hello, I'm Astrid. I'm 32. I'm from Fargo, North Dakota, and this is Financial Audit.

[Caleb Hammer]

Thanks for coming down to Austin. That's definitely a long journey. I appreciate it. Yes. Okay, so the Dakotas is an interesting situation. I try to stay in the data on the show to figure out how people are doing in their area. The Dakota is a weird thing and I think it's North Dakota specifically with the. With the fracking boom and everything. Boosted wages dramatically higher. I'm assuming cost of living has gone with it, but I'm not 100% sure and if. At what ratio. So I actually don't know that you're Going to have to tell me, but I want to know first. Obviously. What do you do for a living?

[Astrid]

I am a community liaison during the day and then I'm a barista at night and on the weekends.

[Caleb Hammer]

Why are you barista? What do you make from the community liaison?

[Astrid]

Like per month or per hour? Per.

[Caleb Hammer]

Sure, any.

[Astrid]

What do you want?

[Caleb Hammer]

Something, something. Just anything, however you think about it.

[Astrid]

From the community liaison.

[Caleb Hammer]

Sorry, I assume your main job.

[Astrid]

Yes, yes, my day job.

[Caleb Hammer]

Your day job?

[Astrid]

My day job. 4400 take home monthly. I only get paid monthly.

[Caleb Hammer]

How much a month?

[Astrid]

4400.

[Caleb Hammer]

Okay. So in this community liaison job is in the other places around the country, these community liaisons are making over six figures a year.

[Astrid]

Must be nice.

[Caleb Hammer]

Well, why do you live somewhere where you make not over six figures a year? It is kind of your choice. You're barista ing?

[Astrid]

Yeah. After work to get paid twice a week. Huh. Or bi weekly. Bi weekly.

[Caleb Hammer]

Huh. So you get paid once a month from the community liaison?

[Astrid]

From my. Yes, from my day job budget.

[Caleb Hammer]

And you will be fine.

[Astrid]

I can't. I put all my bills at the beginning of the month. Month, yeah.

[Caleb Hammer]

If you need a second job that's not about getting paid on more times a month, you just literally need the money because you can't make that one paycheck per month stretch through the month.

[Astrid]

Yeah. So I got another job.

[Caleb Hammer]

Yeah, I know, but it's not so that you can get bi weekly. It's because you just, you need more money or you spend too much money. So the second job, you're a barista, is it like Starbucks?

[Astrid]

It is Starbucks. Yes.

[Caleb Hammer]

We'll use that opportunity, take advantage of the benefits if you want to get a degree or something. Because clearly community liaisons do not make a lot of money in Fargo, North Dakota. Yeah. What do you make from Starbies?

[Astrid]

$16 an hour.

[Caleb Hammer]

I saw two kids out there.

[Astrid]

Yes. I claim them when they're behaving.

[Caleb Hammer]

Uh huh. Do you ever see them? How's this working?

[Astrid]

No, not really. They're kind of. Who's taking care of them a little bit Ratchet. Taking care of themselves, you know? Yeah.

[Caleb Hammer]

Oh, how's. There was little street rats. The old one there, 12.

[Astrid]

She's going to be 13.

[Caleb Hammer]

Okay. So is she watching the youngest? Is that, Is that how we're doing it? Okay. And you know that happens?

[Astrid]

Essentially. Yeah.

[Caleb Hammer]

Well, maybe that's what happened in my household.

[Astrid]

Yeah.

[Caleb Hammer]

Okay.

[Astrid]

And the youngest, she's going to be 10.

[Caleb Hammer]

Okay. So what hits your account on a monthly basis from Starbucks.

[Astrid]

From Starbucks. Depends on how much I work.

[Caleb Hammer]

But average month, Come on.

[Astrid]

Let's say about 800 is what I average it to.

[Caleb Hammer]

So $800 is literally maker making or breaking your life. How. What's going on?

[Astrid]

I guess it's just getting paid every two weeks, you know?

[Caleb Hammer]

No, it's not. It's.

[Astrid]

That's.

[Caleb Hammer]

It's objective.

[Astrid]

No, no, no, no. That is it. That is it.

[Caleb Hammer]

That is why it can't be because. No. If you're following a budget, when you were paid once a month, you would get that 4400 to be able to stretch for that month. But it's not about the payment cycle for you. You clearly aren't making enough money.

[Astrid]

Yes. So.

[Caleb Hammer]

But it's not the paycheck cycle.

[Astrid]

A little bit of both. So when I took my position that I'm in now, I lost all the mandatory overtime that I had before, and

[Caleb Hammer]

it was like, why did you take this position then?

[Astrid]

Because it's comfy. It's Monday through Friday.

[Caleb Hammer]

Okay, well, you're literally having to work a second job, so clearly it's not comfy. Your kid is watching your other kid every single night because you can't be mother. Hey, where's the dad?

[Astrid]

Listen, you took some loads.

[Sponsor/Ad Voice]

Listen.

[Caleb Hammer]

Where's the penis that came with it? I'm trying to listen. I asked you a question so I could listen. Okay.

[Astrid]

He's around. Ish.

[Caleb Hammer]

I don't know what that means.

[Astrid]

He's kind of homeless. He's staying with different women. Whatever his current girlfriend is at the time. Why would he stay with me?

[Caleb Hammer]

Well, he is the producer of your children. I assume you guys were together, especially

[Astrid]

since they're a couple years apart.

[Caleb Hammer]

Yeah. What the happened? That's what I'm asking.

[Astrid]

Clearly we mature differently. He doesn't like to work a lot.

[Caleb Hammer]

Okay, well, you like to get the comfy job, which means a comfy job.

[Astrid]

But I work at least I don't have.

[Caleb Hammer]

You work at least. I will give you that. But you picked a comfy job, which makes you have to. You enjoy Starbucksing?

[Astrid]

Yeah, I do, actually. I love it a lot.

[Caleb Hammer]

To get away from your kids.

[Astrid]

I bring them treats and they're happy for that.

[Caleb Hammer]

Uhhuh.

[Astrid]

They like treats.

[Caleb Hammer]

That's what they're going to remember. Not time with their mother later in their life.

[Astrid]

No, they won't remember that. They'll remember the YouTube. That's, you know, raising them, not me.

[Caleb Hammer]

Oh, that's going to go incredible for them. They're going to be well adjusted.

[Astrid]

Yes.

[Caleb Hammer]

No.

[Astrid]

Yes. They're fine. Look. Do you saw them? They're fine.

[Caleb Hammer]

Yeah. No, the 12 year old already had SJW colored hair. So I wouldn't necessarily say that. And definitely had emo fit. Those wrists will be before they already are. Actually I'm not gonna make fun of a 12 year old for. Obviously I was trying. I was worried. I was like making fun of you. I'd be. Oh, I'm not gonna make fun of a kid.

[Astrid]

Yeah, no.

[Caleb Hammer]

Well no, I'm not going to. But I'm gonna call you a piece of. You're not around.

[Astrid]

You can do that.

[Caleb Hammer]

Hey, hey. If a kid is in that situation already.

[Astrid]

Yeah.

[Caleb Hammer]

I think mother needs to be around.

[Astrid]

Yeah. I think it was just. Listen.

[Caleb Hammer]

What is wrong with you?

[Astrid]

No, I think it was just because of her last girlfriend boyfriend she had. Because they were doing it a lot and that's doing it. Yes.

[Caleb Hammer]

Yeah, but you need to be around more.

[Astrid]

I can. I gotta work.

[Caleb Hammer]

Because you chose to do the comfy job. If you're.

[Astrid]

If.

[Caleb Hammer]

If your kid is literally bleeding herself to death, you need to be there. And you choosing a comfy job over that as being a selfish of a mother.

[Astrid]

They're superficial. She was dying. Not like the other one.

[Caleb Hammer]

The along her veins. Superficial.

[Astrid]

Yes, yes. Versus the other one that was in the hospital all the time.

[Caleb Hammer]

Who her boyfriend girlfriend ended up there.

[Astrid]

She wanted. She's fine. They broke up. She's fine. Everything's fine.

[Caleb Hammer]

Whole intervention. Please. On behalf of this kid.

[Astrid]

She's fine. What? She's good.

[Caleb Hammer]

No, no, I don't think so. I don't. Listen, we didn't.

[Astrid]

Yeah.

[Caleb Hammer]

How many?

[Astrid]

A lot. Everywhere.

[Caleb Hammer]

Everywhere where?

[Astrid]

Legs, chest, arms. Cause she was trying to show em off. She was wearing like little shorts and everything. So I'd yell at her about it.

[Caleb Hammer]

Did you know this shit? No one knew this. Dude, you're evil.

[Astrid]

No.

[Caleb Hammer]

You're choosing a comfy job over being with your kid. That's evil. That's evil. That's evil. Your kid obviously needs you.

[Astrid]

She'd do it even if I was home.

[Caleb Hammer]

Then you're a horrible mother. That mental institution is where we start looking and help and care.

[Astrid]

We're working on it.

[Caleb Hammer]

No, you're not there.

[Astrid]

But one day.

[Sponsor/Ad Voice]

One day.

[Caleb Hammer]

If she's lucky enough to be around, she'll be there. That's not how that works with accidental whoop.

[Astrid]

I wouldn't say it was accidental.

[Caleb Hammer]

No, I'm saying in the. That isn't meant to be life destroying could accidentally nick something.

[Astrid]

Sure.

[Sponsor/Ad Voice]

Job.

[Caleb Hammer]

Exactly. And you're not there.

[Astrid]

You're right. I'm working.

[Caleb Hammer]

Because you chose the comfy job.

[Astrid]

Yes.

[Caleb Hammer]

You're a bad person.

[Astrid]

No.

[Caleb Hammer]

Yes.

[Astrid]

No.

[Caleb Hammer]

Oh.

[Astrid]

Oh.

[Caleb Hammer]

I. I don't know how to convince. Look at her. For now. For now? Dude, it's the for now situation. And I'm sorry. That many scars is not fine. That many scars is not.

[Astrid]

She's over it now, though. She's not.

[Caleb Hammer]

You know that people.

[Astrid]

That I do know.

[Caleb Hammer]

No, no, no. That's something that people fall in and out of. Yeah, that's one of the. Yeah.

[Astrid]

So, you know, I'm familiar with, you know how that kind of stuff works. I've had friends that do it and stuff.

[Caleb Hammer]

What?

[Astrid]

But you know, I think there was a difference between people who want to do it.

[Caleb Hammer]

Maybe she needs the dad because clearly the mother refuses to be in her life. So what's the dad thing?

[Astrid]

They blame their dad for their trauma. So they don't.

[Caleb Hammer]

And then you're not there to support them and help them through it.

[Astrid]

Right. Cause I gotta.

[Caleb Hammer]

Right.

[Astrid]

Gotta work for a living. Kayla.

[Caleb Hammer]

Comfy. What were you making in the less comfy mandatory overtime job mandate?

[Astrid]

Well, it was just a mandatory. Yeah.

[Caleb Hammer]

So much were you making?

[Astrid]

Probably like. Like 5,600 to 6 grand a month.

[Caleb Hammer]

Well, you're at 52 now, so. Yes. Yeah, but you're being a selfish.

[Astrid]

No, listen. So when I was making more money, I was spending more money. It didn't fix anything. I wanted to be home with my kids was the original idea.

[Caleb Hammer]

But you're not.

[Astrid]

It was the idea, you know, that's what we started with.

[Caleb Hammer]

How long have you been doing this idea that is clearly broken in every way whatsoever?

[Astrid]

Like three years.

[Caleb Hammer]

What? What? Three years. You have a.

[Astrid]

Two years. Two years.

[Caleb Hammer]

It just failed. Two years. Dude, if I'm doing something that has clearly failed for two years, I learn not to do it.

[Astrid]

Okay, I don't think it's the money that is failing. It's me.

[Caleb Hammer]

That's what I'm saying. Oh, shit.

[Astrid]

Hold on. No, no, no. It's the spending part, not the. You know.

[Caleb Hammer]

You just said it wasn't.

[Astrid]

No, no, it's the spending part.

[Caleb Hammer]

No, you are not with your kids.

[Astrid]

Well, yeah, but that's. That's how I was raised. My parents were never home. You know, it's a normal thing. People go to work.

[Caleb Hammer]

While most kids who themselves do not intend to end their lives. Approximately 65 to 70% of youth who self injure will experience thoughts or make at least one attempt at some point.

[Astrid]

She's told me about her thoughts. Yes.

[Caleb Hammer]

Yeah, so let's.

[Astrid]

But this was like years ago. This was years ago.

[Caleb Hammer]

But that is a. People fall into it and you're not there and that's terrifying. You know who is the 10 year old.

[Astrid]

You're right.

[Caleb Hammer]

Yeah, dude, I'm sorry. A 12 year old. You think they just escaped? And they're a completely mature, well developed individual at this point?

[Astrid]

No, definitely not. She's independent. But she also thinks she's older than what she is.

[Caleb Hammer]

Yes, everyone does. Yeah, now that works. Listen, clearly you think you're mother when you're not. I am not playing it very well.

[Astrid]

Yes, I am. Ask them. They like me.

[Caleb Hammer]

They don't see you.

[Astrid]

They like me when I'm.

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[Astrid]

Dude, it's pretty easy to appease.

[Caleb Hammer]

How long have you been a single mother?

[Astrid]

So their. Their dad and I were doing like 50. 50 custody for the whole time. We've been split since 2019 up until last year when he got kicked out of his place with his last girlfriend, stepmomy number two. And that's.

[Caleb Hammer]

He reproduced with her.

[Astrid]

No, he didn't. Stepmomy as in like he's got different girlfriends that he lives with and they become every time. Yeah.

[Caleb Hammer]

You're smacking.

[Astrid]

I know. I'm sorry.

[Caleb Hammer]

Sip. Been eating too much of those Starbucks snacks, aren't you?

[Astrid]

Lots of sugar. I love sugar.

[Sponsor/Ad Voice]

Mm.

[Astrid]

So it was like last summer, got kicked out of the his place with his ex girlfriend. Ever since that he's been like sleeping on friends couches.

[Caleb Hammer]

Okay, so he's a loser. Got it. Okay, well that makes sense. Why did you produce with the loser? We produced twice.

[Astrid]

Because listen, he liked me when I was younger. Cuz we got together. I was 18, you know, he was 17.

[Caleb Hammer]

And you just said he. He liked me when I was younger. But you were older than him.

[Astrid]

Well, yeah, but I mean, he made

[Caleb Hammer]

it sound like he liked you when you were younger. As in you were younger, he was older.

[Astrid]

No, no, no.

[Caleb Hammer]

That's the weirdest way to say what you just said.

[Astrid]

We were together for, like, eight years, huh? Yeah.

[Caleb Hammer]

Yeah. So, like, that doesn't change how you said that in a very weird way, but.

[Astrid]

You're right. You're right. But, no. And then. Yeah. I just wanted somebody who liked me, and I had that.

[Caleb Hammer]

You're that desperate?

[Astrid]

I was in a really bad place in high school.

[Caleb Hammer]

You're not in a good place now.

[Astrid]

Yeah, mentally, I'm much better.

[Caleb Hammer]

Doubt.

[Astrid]

No, seriously.

[Caleb Hammer]

No, you seem. Listen, dude, you don't even care if your kid dies.

[Astrid]

No, I do. I do. I take care of her.

[Caleb Hammer]

So you let him reproduce? I'm working with you at 20.

[Astrid]

Yes.

[Caleb Hammer]

And then 22.

[Astrid]

Yes.

[Caleb Hammer]

Why?

[Astrid]

Because I didn't want to have two different baby daddies.

[Caleb Hammer]

Stop playing with. Sorry.

[Astrid]

I can't.

[Caleb Hammer]

Mentally. Good. No, clearly.

[Astrid]

Sorry.

[Caleb Hammer]

Oh,

[Astrid]

what's the problem?

[Caleb Hammer]

Oh, just your existence. Okay.

[Astrid]

The audacity. We're doing fine.

[Caleb Hammer]

Your kids are not.

[Astrid]

They are asking.

[Caleb Hammer]

Well, actually, I would say there's literally proof on their body.

[Astrid]

Well, we're talking about it. And that's the difference, because we didn't used to talk about it.

[Caleb Hammer]

Oh, you used to ignore that your kid was gonna die?

[Astrid]

I didn't ignore it. She shut down. And I brought her all different counselors, therapists, ever since she was in kindergarten.

[Caleb Hammer]

Starbucks treats and Starbucks treats instead of being there. Yeah, yeah, Go yourself.

[Astrid]

I have to work.

[Caleb Hammer]

Yeah, because you chose to do the comfy job. So, come on. It's all selfish behav. Okay, so, yeah, I guess. I mean, he is a loser. I don't understand the logic of. Okay, I already made a baby with the loser. I want a second baby. Yeah, so let me make a baby with the loser instead of getting someone who's better just because I don't want two dads.

[Astrid]

Yes.

[Caleb Hammer]

Is an insane logic loop.

[Astrid]

What?

[Caleb Hammer]

You made one with the loser.

[Astrid]

Yeah.

[Caleb Hammer]

And instead of trying to find someone better for your second, you made another one with the loser because you didn't want a different dad.

[Astrid]

But do you want to be, like, imagine dating a girl that has multiple different baby daddies.

[Sponsor/Ad Voice]

You got me.

[Caleb Hammer]

I'm not saying that's thrilling, but you already know he's a loser.

[Astrid]

Yeah.

[Caleb Hammer]

So why reproduce with him?

[Astrid]

Because I got two of them now, and I'm good.

[Caleb Hammer]

No, no, Now I'm saying for your second. Dude, what is wrong with you? I'm saying for your second one.

[Astrid]

Yeah.

[Caleb Hammer]

No. Why did you, if he was a loser?

[Astrid]

Because I want them to be, you know, related. Because, you know, I was adopted by my dad, and these are toys, too.

[Caleb Hammer]

Your kids are toys.

[Astrid]

No, they're not.

[Caleb Hammer]

Yes, they are my babies. No, with the are reading them. They are toys to you. The way you are talking about them and how you reproduced and made them and made the choice to. For it to be with him. They're accessories to you. They're accessories.

[Astrid]

I would say that.

[Caleb Hammer]

I would actually.

[Astrid]

No, I was just in a very different place back then than I am now, you know?

[Caleb Hammer]

Are you. Look at you. You literally.

[Astrid]

I can't help it. Sorry.

[Caleb Hammer]

That is literally a product plug.

[Astrid]

It's right there.

[Caleb Hammer]

No, that's a product plug put on.

[Astrid]

Sorry, dude.

[Caleb Hammer]

She's actually. Dude. Oh, my. You. There's something wrong with you.

[Astrid]

Stop it.

[Caleb Hammer]

I have concerns for these kids. You should be able to. No, no, no, you don't. You're a human, dude. You're 32. Calm the down.

[Astrid]

I am calm. I took my meds this morning.

[Sponsor/Ad Voice]

Oh,

[Caleb Hammer]

these poor.

[Astrid]

Anyways, no, they're. They're good. They're doing great.

[Caleb Hammer]

Objectively not.

[Astrid]

They could be better. Yes, A lot better.

[Caleb Hammer]

Yes, substantially.

[Astrid]

I got to clean up my mess

[Caleb Hammer]

first so I can be better for what's your mess?

[Astrid]

I got to be better.

[Caleb Hammer]

What's your mess?

[Astrid]

My money. I don't have money for money.

[Caleb Hammer]

Why don't you have money for them?

[Astrid]

Because I spent a lot of money once upon a time.

[Caleb Hammer]

Once upon a time. Not now.

[Astrid]

I mean, it's less now, probably, you know?

[Caleb Hammer]

Yeah. I mean, I'm being told you literally spend a shit ton of money stalking people. I don't even know what that means, but it meets your personality.

[Astrid]

Whatever the it is, find them a new dad. Oh, one that shows up good, you

[Caleb Hammer]

know, to whatever man. She stalks into submission.

[Astrid]

What is submission?

[Caleb Hammer]

What is this? What is hot?

[Astrid]

You're not into that?

[Caleb Hammer]

Big, big no. Big no for.

[Astrid]

Have you tried it?

[Caleb Hammer]

Been stalked?

[Astrid]

No. Being submissive.

[Caleb Hammer]

It's not for me.

[Astrid]

Have you tried though, on your back, legs spread apart. Oh, dick in your ass.

[Caleb Hammer]

What the is happening here?

[Astrid]

No, no.

[Caleb Hammer]

Okay, so.

[Astrid]

Okay, that's fine. Everybody has tastes. Everybody has different tastes.

[Caleb Hammer]

I just. No, dude.

[Astrid]

What's the problem, dog?

[Caleb Hammer]

You spend a lot of money stalking men.

[Astrid]

Yeah.

[Caleb Hammer]

What the is this? Walk me through this. Because that is going to drain your money and you ain't going to be draining any balls afterwards. I promise you that. No one likes being stalked sometimes. Okay, well, you're a freak.

[Astrid]

No, I'm not. Anyways, I wouldn't say it's stalking, you know, I'm just trying to get to know them.

[Caleb Hammer]

Well, how are you spending a lot of Money doing that.

[Astrid]

Trying to find them and find out what they're up to.

[Caleb Hammer]

And what does that mean, you freak?

[Astrid]

Like, you know, paying for, like, background checks and stuff because I got kids. And then.

[Caleb Hammer]

That one's not unfair.

[Astrid]

Yeah. And then, like.

[Caleb Hammer]

But I highly doubt that's what my producers were interested in. Like, they also do that. That's normal.

[Astrid]

When I bought, like, the Tinder pros and everything, so I could just swipe on people stuff and try to find a person that I met one time in the wild, you know, But Tinder

[Caleb Hammer]

pro, just try to find someone you met in the wild?

[Astrid]

Yeah, at the dog park.

[Caleb Hammer]

Why don't you just ask for the person's number at the dog park?

[Astrid]

Because I was shy. He was really hot. So then I had the local community help me find him.

[Caleb Hammer]

What? That's Tinder. That's not the local community.

[Astrid]

Yeah, it is. I put it on my profile that I'm looking to find this dog in this guy. And I swiped on every single person and asked them. A lot of people didn't read it, so I had to tell them, like, do you know this dog? And they're like, no. Are you just looking for this dog? I'm like, yeah, I'm just trying to find this guy because he was super attractive. And a lot of the other people

[Caleb Hammer]

on Tinder are not saying chat. We just need to talk about culture for a second. This is crazy. I don't know if you know what is going on out there. And this is why their app price is completely. Or the stock price has completely tumbled and they deserve it. Match Group, who owns Tinder and all that stuff, she's able to do that. Literally stalk someone, no consequences. And there are so many men out there that they'll have a slightly awkward date or slightly awkward interaction, and a woman will report and they'll get banned from every platform and they can't even appeal it fairly. Stock price is at like, $0 right now, and then she's able to do this, and she'll face no consequences. It is such a. Our culture has just swung in the completely wrong direction. I'm glad we corrected for some of the shit, you know, back in the day that was bad. But the overcorrection is absolutely insane. She's able to just do that and actually put someone's information out there and stock. No, not men. No, no, no. We would actually get banned permanently immediately across all match group, which is hinge. Tinder.

[Astrid]

Yes, yes.

[Caleb Hammer]

But not you, not a woman. The double standard is insane. And there's no human review. There's no real thing. There was no verification.

[Astrid]

Nope. I was just out there trying to find them.

[Caleb Hammer]

That's insane. You're insane. Our culture's insane.

[Astrid]

Listen, I just kind of get like stuck on one person at a time.

[Caleb Hammer]

I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS debt.com hammer that is PDS debt.com hammer PDSDE.com hammer you suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage.

[Sponsor/Ad Voice]

Guess what?

[Caleb Hammer]

They want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity Raising so far, but private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial Dollarwise.com, link in the description below.

[Astrid]

And then, you know, I had to meet him again and it was.

[Caleb Hammer]

You made a public Facebook post post about him as well?

[Astrid]

Yeah, yeah. And I found him and I met up with him and he really.

[Caleb Hammer]

He agreed to meet, so.

[Astrid]

Oh, listen, okay. His. It was his Jiu Jitsu coach that reacted to the post and he's like, is this the dog? I'm like, that's the dog. He's like, well, I'll set you up with this guy. You guys come to the gym and meet up. And then I did. The coach paired us up together and it was fantastic. Got to put my hands on him. He was beautiful. He's a wonderful guy, Very kind. And then at the end of it, he told me he's a traveling nurse and he was moving to California the next week, so he couldn't make it work.

[Caleb Hammer]

Real quick, I do wanna say again, in our culture, if a man literally said exactly what she said right now, he'd be called a online and fired from every job and kicked out of every school.

[Astrid]

Yeah, that's creepy.

[Caleb Hammer]

Okay, it's creepy. It is creepy.

[Astrid]

Yeah.

[Caleb Hammer]

I mean, but the over sensationalism that would be done to a man is extreme.

[Astrid]

Yeah.

[Caleb Hammer]

Or I'm just gonna treat him ugly.

[Astrid]

If they're attractive, it's probably fine.

[Caleb Hammer]

A part of it actually. Yeah, a little, but I think a lot of it. Not for what you just said with put your hands on them. No, they would still be ruined. But.

[Astrid]

Well, we were rolling in Jiu Jitsu.

[Caleb Hammer]

No, I'm saying how you said it. So he was moving. Did he move?

[Astrid]

Yeah.

[Caleb Hammer]

Did he move?

[Astrid]

Oh, yeah, he moved.

[Caleb Hammer]

So he wasn't just saying that to avoid traveling nurse?

[Astrid]

Yeah, he was driving a rental car and everything.

[Caleb Hammer]

Dude, you're free.

[Astrid]

No, I'm not.

[Caleb Hammer]

You have kids to take care of. How about you spend that time you're using stocking men take care of them. Clearly they got issues back when they

[Astrid]

were with their dad sometimes. Now they're with me all the time. I ain't got time for nothing.

[Caleb Hammer]

So what's, what's your most recent stock then?

[Astrid]

My most recent?

[Caleb Hammer]

You are spending a lot of money on this. I'm being Told it's not a ton

[Astrid]

of money compared to like everything. Totally.

[Caleb Hammer]

You know, it's your most recent.

[Astrid]

So I financed the flight to Idaho to meet this guy that I met online.

[Caleb Hammer]

Met online where? Take a drink, you dried mouth freak.

[Astrid]

I know I said I got a problem with it. Well, you weren't there.

[Caleb Hammer]

Yes, I was not there.

[Astrid]

Okay. So I financed this flight to Idaho to meet this guy that I met online. And so we were talking for like two, three months. We were texting, you know, every single day. I met him on Facebook. Dating.

[Caleb Hammer]

Why was your radius that extreme?

[Astrid]

It wasn't. So he's actually originally desperate for attention.

[Caleb Hammer]

This is crazy.

[Astrid]

No, no, no, listen. He's originally from my area, but he worked out in Idaho for the winter and then he was texting me. We were texting every single day. Then I went out to Idaho to meet him and I had the most amazing time of my life there.

[Caleb Hammer]

How?

[Astrid]

Because it was my first time flying and then my first time in the mountains and then my first time snowmobiling. And it's just gorgeous out there. And he's super cool and chill and we get along super great and it wasn't weird. And I didn't get murdered a week.

[Caleb Hammer]

I think everyone's afraid of you murdering them.

[Astrid]

They shouldn't be.

[Caleb Hammer]

Okay, well, I'm glad you had a good week.

[Astrid]

I don't murder people. I don't hurt anybody. I'm a nice lady.

[Caleb Hammer]

You're a freak.

[Astrid]

Yeah, but I'm nice.

[Caleb Hammer]

Ah, you're scary. I think your niceties would lead you to something extreme.

[Astrid]

That's crazy.

[Caleb Hammer]

Is it? After everything we've learned so far.

[Astrid]

Yeah, we're just getting to know each other. Chill.

[Caleb Hammer]

Okay, so what are you doing then? So that's long distance. I mean, flying back and forth is going to be expensive too.

[Astrid]

No.

[Caleb Hammer]

And again, how about you, like, take care of your kids instead of flying to Idaho? But sure, let's go.

[Astrid]

Listen, I am.

[Caleb Hammer]

I'm trying. Tell me.

[Astrid]

Their dad came over and stayed with them at my house while I was gone. Well, they got time with their dad.

[Caleb Hammer]

I know, the loser. Yeah, well, she's literally almost dying. But go ahead.

[Astrid]

They like, they like time with their dad every once in a while because they never get to see him anymore.

[Caleb Hammer]

Yeah, because they have a traumatic and horrible childhood thanks to you guys. Continue.

[Sponsor/Ad Voice]

You.

[Astrid]

I'm doing my best.

[Caleb Hammer]

Okay, Continue guy.

[Astrid]

Oh, yeah, he's gorgeous, first of all. Okay, okay. He's also pretty.

[Caleb Hammer]

I don't need to know that. I'm just like, no. This is gonna be expensive. It's important. Yes. To you. He's pretty.

[Astrid]

Yeah. I deserve that.

[Caleb Hammer]

Do you? No, you're kind of. You don't.

[Astrid]

Yeah, I do.

[Caleb Hammer]

Why?

[Astrid]

Okay, listen, they're. Baby dad. Not a good look, you know? Now I need something that looks good.

[Caleb Hammer]

I'm sorry. You're a five out of ten. Not at best.

[Astrid]

Oh, the audacity.

[Caleb Hammer]

No, that is normal.

[Astrid]

That's average. I suppose. It's right in the middle.

[Caleb Hammer]

Yeah. What? How tall are you?

[Astrid]

Five, eight.

[Caleb Hammer]

Okay. Oh, you're not that tall. But I don't know, you're like. I mean, come on, you're a little fat. Your teeth are up. You're a 5 out of 10. What do you deserve? You don't deserve. Just like. I mean, I'm like, probably, you know, like a four. Exactly.

[Astrid]

Fat you, dude.

[Caleb Hammer]

No, exactly. And I don't deserve either. That's the thing. Oh, we can tell. We can tell men it, but we can't tell women it. Come on.

[Astrid]

Double standard for yourself.

[Caleb Hammer]

Why, sure. I don't deserve.

[Astrid]

Sure. Yeah.

[Caleb Hammer]

Well, I don't deserve a 10 out of 10.

[Astrid]

10 out of 10? Okay. I can't get a 10 out of 10. I can't.

[Caleb Hammer]

You're making them sound like a 10 out of 10.

[Astrid]

No.

[Caleb Hammer]

Okay. Okay. So what's going on?

[Astrid]

We were talking for a few days, and then he started leaving me on red and delivered.

[Caleb Hammer]

Okay. Yeah, because you're a crazy, we learned that.

[Astrid]

I'm not crazy.

[Caleb Hammer]

What was so good about him?

[Astrid]

We just got along so well and so easily, you know? It was, like, natural. I didn't feel nervous for once. I didn't get the dry mouth, you know? Actually, I did out there. It's super dry and disgusting. Yeah. Tried making out, but, like, both our mouths were super dry, you know? Anyways, so he ghosted me. And then I tried to get his attention for a while. After, like, a month or so, he finally got back to me. Told me, sorry about that, you know, stuff's been going on, you know. Didn't mean to do that. I'm like, perfect, you know? Now I've been on a mission. I keep trying to. We keep going back and forth, ghosting and not ghosting.

[Caleb Hammer]

You're not ghosting him. He's ghosting you.

[Astrid]

Yeah, he's ghosting.

[Caleb Hammer]

So there's no back and forth. He's ghosting you, but.

[Astrid]

Okay, I need to sleep with him. He's got the biggest dick I've ever seen in real life. Like, it's like a Star dick. Like it's for bigger than a lot of.

[Caleb Hammer]

Okay.

[Astrid]

Do you watch?

[Caleb Hammer]

Yes.

[Astrid]

Yeah. Okay, so it's huge.

[Caleb Hammer]

How big?

[Astrid]

Okay, so he's like six four. Okay. It's like two of his hands. He's got big hands. Because he's a big man. Two of his hands. It's massive. It's got girth and length. You never find guys with both.

[Caleb Hammer]

You were there for a week. So why didn't you?

[Astrid]

We did once, but it was awkward and weird and then you.

[Caleb Hammer]

Cause you're a freak.

[Astrid]

Nuh, it wasn't because of me.

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[Astrid]

it wasn't because of me.

[Caleb Hammer]

Why was it an awkward and weird. No. No one wants to listen to this.

[Astrid]

What do you mean?

[Caleb Hammer]

I'm sorry.

[Astrid]

You're asking for the story. I'm telling you the story, Chad.

[Caleb Hammer]

Do you want to know? Do you want to know? I'm a very numbers brain person. I know the analytics. When an attractive person talks about sex on the show, you guys enjoy it. When a creature like this talks about it, you guys are clicking, Skip. So no one wants to listen to this?

[Astrid]

No, they do.

[Caleb Hammer]

I'm glad to know he has a big dick, but he was clearly ghosting you. But you're like, I need to have sex with him. Clearly he didn't give a about having sex with you.

[Astrid]

No, I think there's a chance. Still no.

[Caleb Hammer]

He's coming. You're done.

[Astrid]

I think there's a chance. Okay.

[Caleb Hammer]

What's your stocking? What are you spending to stalk? You've only visited him once, right?

[Astrid]

Yeah.

[Caleb Hammer]

It's over. Stop.

[Astrid]

I've met him like two more times since then. Just briefly.

[Caleb Hammer]

How?

[Astrid]

Cause when he came back.

[Caleb Hammer]

See, you got to give up on this. And you got to take care of your kids, man.

[Astrid]

I know. I want to.

[Sponsor/Ad Voice]

Why?

[Caleb Hammer]

Why can't you?

[Astrid]

Because I get obsessed.

[Caleb Hammer]

Thank you. You're a freak.

[Astrid]

I get a little obsessed. I can't help it. It just happens. I get a little obsessed with these guys and I just. I just want him to like me back, you know?

[Caleb Hammer]

I'm gonna call him the potion and tell him to Run. Hello? Hi, can you hear me? This is Caleb. How are you? Why are you calling for? I'm with your. Your little friend. How does she have my number?

[Astrid]

What?

[Caleb Hammer]

What does that mean?

[Astrid]

Don't act like that.

[Caleb Hammer]

I changed my number after we hung out. Are you serious? I'm not gonna lie. I'm going to do that. I'm gonna tell him.

[Astrid]

Why would you tell him to run?

[Caleb Hammer]

Because you're a crazy and needs to know.

[Astrid]

He talks to me sometimes. I let.

[Caleb Hammer]

So he clearly ghosts you. Consistently. Okay, I don't care about him. I really don't. I really don't. I really don't. My big thing is I can't have you spend a ton of money and a ton of time on this guy that clearly doesn't give a about you. Why would he?

[Astrid]

No, I think he does.

[Caleb Hammer]

He goes to you constantly, take a drink.

[Astrid]

But he talks to me every once in a while. He.

[Caleb Hammer]

Okay, what's.

[Astrid]

Everyone reaches out to me first.

[Caleb Hammer]

What's. Every once in a while. No, he doesn't. You're desperately stalking him on Instagram and responding to every single story, hoping he responds to you. I'm being told no, he doesn't reach out first. You're a desperate whore.

[Astrid]

Yeah, no, I'm not a whore. I hardly get any.

[Caleb Hammer]

Yeah, but not your choice.

[Astrid]

I'd have options. I choose not to take them because I want this one.

[Caleb Hammer]

What, the pass out dude at the bus stop?

[Astrid]

No.

[Caleb Hammer]

The needle in his brain?

[Astrid]

No.

[Caleb Hammer]

It's all the options you're gonna get.

[Astrid]

No, I haven't.

[Caleb Hammer]

Okay, dude, I really don't care about this. You need to stop going down this rabbit.

[Astrid]

You were asking about him.

[Caleb Hammer]

No. Maybe I think I enabled too many conversation too much.

[Astrid]

Yeah.

[Caleb Hammer]

So how much are you spending on all these background checks and all this shit that you're doing? Instead of putting your family ahead, what are you spending?

[Astrid]

It's only like 10 to 15 bucks a check.

[Caleb Hammer]

Yeah, but how frequently?

[Astrid]

Just a few. I don't know, maybe like 100, 200 bucks.

[Caleb Hammer]

What the.

[Astrid]

You know?

[Caleb Hammer]

Yes. But you're working a second job for $800.

[Astrid]

Yeah.

[Caleb Hammer]

Do you not see how insane that it is?

[Astrid]

I know, kind of.

[Sponsor/Ad Voice]

No.

[Astrid]

If it's on a credit card, I don't see it till later. And then it'll be a problem for future me, you know, so every like fall, winter cuffing season, I go through searching for guys, you know, I need a cuff. Yeah.

[Caleb Hammer]

Did you have kids at home to take care of? And you're spending. Once you get into that season Hundreds of dollars.

[Astrid]

And then, you know, the tips, background

[Caleb Hammer]

checks, and then the Tinder pro and shit. And again, we're letting people like her be on there, but. But yeah, men will just get ghost banned forever. What a failed. I can't believe we have given those platforms power. It's insane. They've destroyed an entire generation.

[Astrid]

I'm using it though. It's working for me.

[Caleb Hammer]

Yeah, you must be finding the most desperate mother out there.

[Astrid]

Nuh, I find some crazy ones, some nice ones. You know, a little bit of everything.

[Caleb Hammer]

Okay, so what happens? Inevitably, because you're a crazy bitch, you must go absolutely mad when you get ghosted. Or they leave you.

[Astrid]

Yeah, because that's like the first time I've ever been ghosted too, is by this guy.

[Caleb Hammer]

So what happens then? Well, I mean, I guarantee you swipe your cart endlessly. There's no way you don't. Well, yeah, crazy bitches like you. So that's where all your money goes.

[Astrid]

Listen.

[Caleb Hammer]

Thank you. That's what I was trying to get.

[Astrid]

I need some treats. I need to sit in my truck and cry over a blizzard and then like, you know, feel white woman in

[Caleb Hammer]

the car posting on Tick Tock. Probably.

[Astrid]

No, I don't do that.

[Caleb Hammer]

You will.

[Astrid]

I'm not on myself.

[Caleb Hammer]

You will very much.

[Astrid]

You will surprise more people if I did.

[Caleb Hammer]

Now, if instead of 32, you're 22, you would be doing that.

[Astrid]

Yeah, probably. Yeah.

[Caleb Hammer]

So how. How crazy do these spiral sprees go where you're just blowing money like crazy? You know that guy inevitably ghosts you because you're insane.

[Astrid]

No, I'm not.

[Caleb Hammer]

Dude, come on.

[Astrid]

He doesn't know yet. Gotten to that.

[Caleb Hammer]

All the previous ones.

[Astrid]

They don't know that.

[Caleb Hammer]

No. Anyways, they know it. Why? Did I? Did I anyways, if they know you do it.

[Astrid]

No. So like, I have to like, go buy, you know, makeup and skin care and clothes and stuff.

[Caleb Hammer]

Do you think that fixes your ghosting?

[Astrid]

So I can find somebody new to.

[Caleb Hammer]

To find somebody new. You going to blowing a shit ton of money on clothes and makeup? Yeah, skincare.

[Astrid]

So I can look good.

[Caleb Hammer]

Do you? You don't.

[Astrid]

He's so disrespectful.

[Caleb Hammer]

Yes. Financial audit.

[Astrid]

Then I can try to find somebody else that I can take a picture with and then I'll post it to my story and then he'll see it and then he'll get jealous.

[Caleb Hammer]

And that has never worked. Um, that has never worked once.

[Astrid]

He didn't react to that.

[Caleb Hammer]

No shit.

[Astrid]

But maybe like crazy.

[Caleb Hammer]

I'm sorry, Eric. No, it doesn't. It's never worked.

[Astrid]

If you connect it from like, days apart or like weeks apart, you could say it was a reaction.

[Caleb Hammer]

You're a session without the spell on you. That's just your reality.

[Astrid]

That movie's so good.

[Caleb Hammer]

Okay, yes. We all saw it.

[Astrid]

Did you?

[Caleb Hammer]

Everyone saw it.

[Astrid]

I told everybody to go see it. But I didn't tell them everyone already.

[Caleb Hammer]

Fargo needs to get nuked. This is insane. I'm being told every time you go through a breakup, you just hyper focus on hobbies and spend a ton of money on these hobbies. Yeah, like what?

[Astrid]

Like when I bought a fursuit and furry stuff.

[Caleb Hammer]

Dude, do you really?

[Astrid]

Wow. I went to Comic Con.

[Caleb Hammer]

You're really laying into the shit that again. Chat. Here's what I know about you. Every time an ugly person is into a kink thing, you guys skip it. I'm glad you're really supporting this episode.

[Astrid]

What do you mean it's not super sexual? Like, I don't have sex in furry suits or nothing.

[Caleb Hammer]

Why'd you go buy it after a breakup?

[Astrid]

Because it was super cute and I just needed something to make me feel better, you know?

[Caleb Hammer]

Did it?

[Astrid]

Yeah, it was because I.

[Caleb Hammer]

You're a co spender? To the extreme.

[Astrid]

Yeah. Unfortunately, yes.

[Sponsor/Ad Voice]

Yes.

[Caleb Hammer]

But your spending is insane.

[Astrid]

It is. And I agree.

[Caleb Hammer]

It's on furry outfits.

[Astrid]

Yeah.

[Caleb Hammer]

What the are we doing?

[Astrid]

And I put it on my freaking PayPal credit. It was like $2,400. I got it from South Korea. And I was like, not really into the furry stuff yet.

[Caleb Hammer]

Ok, show it to me without you in it. I just want to see the outfit. I want to see what the costs. $2,500.

[Astrid]

I don't know if I.

[Caleb Hammer]

This is insane. You don't even have a picture of the fucking house for $2,500.

[Astrid]

I do. I do. I don't know if I have a picture without me in it.

[Caleb Hammer]

Are you naked?

[Astrid]

No. No.

[Caleb Hammer]

Okay, then I can see it.

[Astrid]

Sexual.

[Caleb Hammer]

Then I can see it. Then I can see it. Because the last thing I want to see in this world is you naked.

[Astrid]

So I got it, like, a long time ago, and I haven't. It's kind of been sitting in the closet since then, you know, so.

[Caleb Hammer]

Okay, great. Yeah. Like, I assume every hobby you go endlessly into debt into after breakups, right?

[Astrid]

Yes. Yes. And then I find a new one every time, you know? But this one, I had to buy like a bunch of art afterwards too, you know, And I had to get some new characters. Now I have kind Of a collection. Let me find my fursuit. It's super cute. Oh, I made a furry TikTok too, for a little while. Look, it's cute.

[Caleb Hammer]

Oh my goodness. That's actually insane. All right, we're putting it on screen. That's crazy. So, okay, so a guy didn't like you and you spent 2,500 on that. Well, what was the last thing? You went absolutely crazy when you spiraled.

[Astrid]

Lately it's just been like the TJ Maxx Marshalls kind of spirals, but like, because I can't help but spend like a couple hundred dollars at a time, you know? And then obviously the flight.

[Caleb Hammer]

How much did that cost?

[Astrid]

It's right there. It was like, I think.

[Caleb Hammer]

Why would you answer the question? Not a podcast.

[Astrid]

400 some dollars, I think. Okay.

[Caleb Hammer]

So how are you surviving on $5200 right now?

[Astrid]

I'm not really. So.

[Caleb Hammer]

Incredible response.

[Astrid]

I mean, I'm making it. I haven't lost my house or my car. No, I rent.

[Caleb Hammer]

Okay, good.

[Astrid]

Yeah. I could never own a house because I couldn't.

[Caleb Hammer]

That's not true, but. Well, I mean, you could. We can get yourself in a position if you aren't blowing 2500 in furries. Blowing money to go blow a guy a big dick in Idaho.

[Astrid]

All the, you know, furry art and stuff that I bought and I was coping.

[Caleb Hammer]

You guys are insane, man.

[Astrid]

I didn't have money, so I had to put on my people credit. But it's some. I got some good art too, and some new characters, you know.

[Caleb Hammer]

You have kids, right?

[Astrid]

Yeah.

[Caleb Hammer]

Why are we not prioritizing them? This is blowing my mind. You were like financial audit's most evil mom or something.

[Astrid]

Nuh.

[Caleb Hammer]

Predicting the time.

[Astrid]

I've seen other ones. There's some more mom.

[Caleb Hammer]

I don't know. There's lots of bad dads on the show, but you're a piece of shit mom. Literally. Your kid has almost died multiple times.

[Astrid]

She hasn't almost died. You're being dramatic.

[Caleb Hammer]

She's talked to you about her suicidal thoughts. Did you go spend money going to suck a. A 8 inch dick instead of taking care of her?

[Astrid]

It's like nine.

[Caleb Hammer]

Yeah. You're ins. That's crazy. You're insane piece of mother.

[Astrid]

No. Go ask them.

[Caleb Hammer]

No. You think a 12 year old, 10 year old is going to be able to give me? No, they like that. They get to stay away from their crazy, batshit insane mom.

[Astrid]

And then you bring crazy, batshit.

[Caleb Hammer]

Let's see where they are if they're still alive in a Decade.

[Astrid]

Nuh, they'll be fine.

[Caleb Hammer]

I hope they are.

[Astrid]

I mean, yes, they will be, but I'm not crazy.

[Caleb Hammer]

How much do you spend on your kids?

[Sponsor/Ad Voice]

I don't.

[Astrid]

I mean, depends. Like food. I spend a shit ton on food.

[Caleb Hammer]

That's basic. How much you spend on them? They're fun. They're fun. They're fun. How much do you spend on their fun?

[Astrid]

We don't have fun. I don't have time for fun.

[Caleb Hammer]

Okay, and here's money. But she has time to fly to Idaho, suck an 8 inch dick, spend money on her furry hobby. She spends thousands of dollars on her having fun and obsessing over men and all this crazy shit. But then she. But then she won't spend time or money on the kids.

[Astrid]

Do you think I'm kind of like Nikki from Obsession? She felt very relatable when I was

[Caleb Hammer]

watching that movie thing. I just want to pause. I said that about 10 minutes ago and you already reacted to it. Are you actually that stupid?

[Astrid]

You didn't say that.

[Caleb Hammer]

I said you're like the woman from Obsession.

[Astrid]

Oh, yeah, you did. Yeah, yeah. But you didn't say Nikki.

[Caleb Hammer]

Who do you think I was talking about?

[Astrid]

There's a couple women you know.

[Caleb Hammer]

Oh my. These poor children. Oh my goodness. Oh my goodness. You're a stalker. You're a spender. You're selfish.

[Astrid]

I don't kill people.

[Caleb Hammer]

They're gonna die.

[Astrid]

I don't kill people.

[Caleb Hammer]

No, but you're gonna get people killed and those people will be your kids.

[Astrid]

Nuh.

[Caleb Hammer]

Oh, good rate response.

[Astrid]

No, I'm keeping them alive. That one of them is gonna be 13.

[Caleb Hammer]

You just said you don't spend. Okay? That's a basic minimum requirement. Yeah, you just said you don't spend money or time on them having fun, but you spend a ton of money and time on you having fun for dick.

[Astrid]

Yes.

[Caleb Hammer]

So I do want to be very clear. You prioritize dick over your kids.

[Astrid]

It's not like that.

[Sponsor/Ad Voice]

No.

[Caleb Hammer]

Oh, see, she can't even say no. She had to say it's not like that. No, it absolutely is. Cause you spend money and time on dick. You do not spend money and time on them. Well, listen, so there is no other answer than you prioritize dick over your kids.

[Astrid]

Imagine how happy they'd be if I found him a new dad.

[Caleb Hammer]

You don't though. You run through. You run through men, then you get ghosted because you're a crazy bitch. You've planned entire weekends away from the kids for dick. Constantly. But you won't do things with them. You leave them with their piece of shit dad, you're a bad person. You're a bad mother.

[Astrid]

No, I'm not.

[Caleb Hammer]

Wow. Really good response. Well thought out. Yeah, I have a lot of maybe

[Astrid]

I'm bad with money, but I'm not a bad mom.

[Caleb Hammer]

No, I have. What's your actual reasoning? You need to tell me that other than no, because I brought actual reasoning in what you're doing. Examples that equal bad mother. And then you say no, that's not true. Tell me why.

[Astrid]

Well, I mean, I brought him here with me, so I took him out to do something fun for you.

[Caleb Hammer]

To come on a show you wanted to go on. Yeah, it's all about you.

[Astrid]

In the end, I'm just like my mom, you know?

[Caleb Hammer]

You want to repeat generational trauma.

[Astrid]

I don't want to, but I can't help it, you know, actually you can.

[Caleb Hammer]

You're an adult. You have choices. Every day you make choices. Yes, you do. You choose to go away for weekends at a time to literally suck semen out of heads.

[Astrid]

Glub glub. Milk jug.

[Caleb Hammer]

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[Astrid]

You haven't heard that one.

[Caleb Hammer]

Skip that part, I beg you.

[Astrid]

I'm not a bad mom.

[Caleb Hammer]

Get my paycheck.

[Astrid]

I'm not a bad mom.

[Caleb Hammer]

You need a rebuttal. You need a reason. The only.

[Astrid]

I told you, I'm taking care of them.

[Caleb Hammer]

No, the only reason you said is you brought them here for a trip you wanted to go on.

[Astrid]

You just think I'm not a bad mom because I don't them out for fun stuff.

[Caleb Hammer]

I said you are a bad mom.

[Astrid]

Okay, but you think that's it. Just cuz I don't take them out to do fun stuff.

[Caleb Hammer]

Like cuz you're never around for them. You prioritize you having a more comfy job instead of taking care of the one with clear mental health issues. Instead of spending any money and time on them going having fun, you spend all the money and time on you going getting railed.

[Astrid]

I have to take care of myself too if I don't take care of myself.

[Caleb Hammer]

But you only take care of yourself, not them. You spend all your money to get yourself taken care of.

[Astrid]

Yeah, so I can take care of them.

[Caleb Hammer]

Your kids eat at McDonald's every day. Is not being a good mom.

[Astrid]

But I'm feeding them. I'm feeding them.

[Caleb Hammer]

They're not going to get fat.

[Astrid]

They have my metabolism. They're gonna be fine.

[Caleb Hammer]

You're fat.

[Astrid]

I'm not fat. Don't look.

[Caleb Hammer]

Exactly. You're not obese.

[Astrid]

I've gained a lot of weight since I've been at a desk job.

[Caleb Hammer]

You know, I'm about to have my metabolism.

[Astrid]

I had a good metabolism.

[Caleb Hammer]

I'm obese. You're fat. I'm fatter than you. I'm obese. But you're fat. That's okay. Wow.

[Astrid]

That's.

[Caleb Hammer]

It's okay. You're not skinny. You're not in the healthy BMI weight range.

[Astrid]

Not anymore.

[Caleb Hammer]

Not obese.

[Astrid]

I was. I've been skinny up until I got this test.

[Caleb Hammer]

Congratulations.

[Astrid]

You're not. I started anti depressant.

[Caleb Hammer]

No, no. But I want to be very clear. I want to be very clear.

[Astrid]

Say it clear.

[Caleb Hammer]

No, you're. You got the SSRI eyes. I see them.

[Astrid]

What does that mean?

[Caleb Hammer]

You're gonna stab someone?

[Astrid]

I'm not gonna stab anybody. You're making me sound like I'm crazy.

[Caleb Hammer]

Yes. Only me.

[Astrid]

Okay, but do you. You don't have kids.

[Caleb Hammer]

Correct?

[Astrid]

Right. So how. What's.

[Caleb Hammer]

I wouldn't be to McDonald's every day.

[Astrid]

How would you? You haven't been in that spot. Okay, everybody Wants to judge somebody with kids.

[Caleb Hammer]

Dude, I've had. I've had other. I've had busier parents on the show who don't feed their kids McDonald's every day.

[Sponsor/Ad Voice]

Day.

[Astrid]

I don't feed them every single day. Like, McDonald's practically every single day.

[Caleb Hammer]

We have it in our statements.

[Astrid]

That's me.

[Caleb Hammer]

Okay, so you'll die soon. You're getting fat. You're gonna get less dick than you even can now.

[Astrid]

Yeah, probably. The rate I'm going, it's not looking good for me.

[Caleb Hammer]

But, yes, you're fat.

[Astrid]

I'm feeding the kids.

[Caleb Hammer]

At least listen. And, I mean, the crazy thing is, it's not insulting to call women fat. By the way, I know you're going crazy on Instagram. Instagram is the platform that gets angry every time I say she's fat. That's okay. I'm obese. That's okay. Well, we're just. Is it. We're acknowledging a basic reality. We can call men fat, and it's okay. Why is it insulting when we call women fat?

[Astrid]

I'm not supposed to say that I'm fat, you know.

[Caleb Hammer]

But you are. Why actually, shouldn't you. So that you can medically take care of it. So that you can live a longer life and take care of yourself. I should call myself obese? That is a correct thing to call myself. I shouldn't be mentally and say, no, I'm actually healthy at any weight. Actually, yes, you should call yourself that. Yeah. With the lifestyle choices I'm making. Yes.

[Astrid]

Why?

[Caleb Hammer]

Same with the lifestyle choices you're making.

[Astrid]

What about your medical stuff?

[Caleb Hammer]

Okay, clearly you didn't understand the point. You said I'm not supposed to call myself fat. No, you should. You're not supposed to be delusional about your own health. We shouldn't only call men creepy for doing what she did. We should call her creepy. We shouldn't only ban men for doing what she did. She should be banned. We shouldn't only call men fat. We should be able to call women fat, too. Wait, it's the same for everyone.

[Astrid]

Yeah, but I'm just. Just, I'm told, you know, you can't say that you're fat. You know why? Because you're not that fat, is what. Everybody says. You're skinny, but it's, you know, bigger.

[Caleb Hammer]

You're not obese. If that's what they mean by not that fat. That is true. You're not obese.

[Astrid]

No, but you're fat. Damn.

[Caleb Hammer]

That's okay. But if we recognize that, that means we're starting to do. It's like saying you don't spend. Dude, you saying you're not fat is like saying you're not in debt. It's the same thing. It's literally ignoring something that exists, which means you'll never have to address it if you're okay with. Yes, that's what I'm saying. So all these woke heroes on Reddit and TikTok and now in the Instagram comments of this clip that's being posted this reel, they're gonna be like, this is disgusting of you, Caleb. This is a disgusting show. How dare you say that? Yes, they do on Instagram. Trust me. They're all pussies. It's really weird. I don't understand it. It's like they've never seen the show in four years.

[Astrid]

Yeah.

[Caleb Hammer]

But either way, the thing that's crazy is like just cause you're a woman, we can't recognize basic medical things. What are we doing as a society? I don't get it. I really don't.

[Astrid]

Shaming men?

[Caleb Hammer]

No, no, no. But the thing is, if you're okay with being fat, then it's fine. But we shouldn't say we're not fat when we are fat.

[Astrid]

Yeah, I'm not happy about that.

[Caleb Hammer]

There we go. Thank you for being real. I appreciate that.

[Astrid]

Not happy about the weight gain, but I wouldn't say I'm quite fat yet, you know.

[Caleb Hammer]

No, no, no. Okay. But anyways, you're not obese.

[Astrid]

Yes, yes.

[Caleb Hammer]

It's different, you know, you're overweight, you're not obese.

[Astrid]

Yeah, okay. Anyways, yeah, no, they're fine because they're being fed and by McDonald's every day.

[Caleb Hammer]

That's what I said. It's not healthy for you, it's not healthy for them. They're literally bleeding out and you're feeding them McDonald's as a cope and then going and taking dick in Idaho.

[Astrid]

They need to be fed, you know, because a lot of times they're just.

[Caleb Hammer]

Who's getting fed more, them or you a dick? I feel like you're prioritizing the second one because you're a freak. What do you think your financial score is? 0 to 10? 0 being the worst, 10 being the best.

[Astrid]

Probably a one.

[Caleb Hammer]

Yeah, yeah. If you don't want to be like her, make sure you get the dollar wise budgeting app. Take the free trial, see if you like it fat, huh?

[Astrid]

Is that why I needed budget cookbook? Is it the cookbook?

[Caleb Hammer]

It's the meal plan. It is healthy and the cookbook is digital. You get it if you sign up for the annual version, which saves you nearly 50%.

[Astrid]

Thanks so much. I hope I lose weight.

[Caleb Hammer]

If you want to, then I hope you do too. I personally don't care. I'm making fun of you. One, for the show. Two, because you said you can't call yourself fat even though you're fat, which is an absolute thing to do in modern day society. I don't understand us. TikTok has ruined people. This culture is stupid. Get your hammer. Financial Score, Caleb hammer.com. it's free. What the.

[Astrid]

What the.

[Caleb Hammer]

No. I don't know. You're pulling me out of my plug.

[Astrid]

What do you mean? Oh, sorry.

[Caleb Hammer]

You couldn't tell I was.

[Astrid]

Yeah, you know, I was just trying to. I thought you were trying to help me, like lose weight.

[Caleb Hammer]

Sure, yeah. If you follow that and meal prep, it'll budget and lose weight.

[Astrid]

So you do care.

[Caleb Hammer]

Of course I care.

[Astrid]

That's kind.

[Caleb Hammer]

But honestly, in this conversation, I care more about the kid than you at this point because I am actually afraid for her future. And you're a bad mother and you're literally prioritizing dick, which is crazy.

[Astrid]

Don't take dick all the time.

[Caleb Hammer]

Trust me. But if you could, you would.

[Astrid]

But who would want to wow some people. Okay. Everyone's saying, no, no, I'm not looking.

[Caleb Hammer]

All the men are saying, no, no. It's just like, I don't know, this is basic things again, they're fed. Every woman will call you beautiful in the comments. As the world we live in right now. They never call beautiful women beautiful, but they always call the ugly ones beautiful. It's an interesting thing.

[Astrid]

Nothing's here anymore, you know, Nobody's ever.

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[Astrid]

18 plus genuine.

[Caleb Hammer]

Hey, she said it. Yeah, let's remember that before you call her beautiful.

[Astrid]

Oh, okay. Audacity.

[Caleb Hammer]

I wouldn't say you're ugly, though. Like I said, you're mid. 5 out of 10.

[Astrid]

Yeah, Midwest.

[Caleb Hammer]

It's like you're not obese. Yeah, you're fat.

[Astrid]

Yes, sure. I'm a real kids won't be.

[Caleb Hammer]

Oh, if you feed a McDonald's every day.

[Astrid]

They're fine.

[Caleb Hammer]

Well, they get on SSRIs, which I'm sure. No. Okay. Yep. Dang. 10 year olds on SSRIs. Isn't that kind of quick?

[Astrid]

She's not gonna zoom in the other

[Caleb Hammer]

one 12 year old. Yeah, well, we definitely need some kind of intervention there. So.

[Astrid]

Yeah.

[Caleb Hammer]

What are. I do hope they're trying. Okay, so this. This is the dick debt.

[Astrid]

Dick debt?

[Caleb Hammer]

You only owe 154 left. It's a pain 6, which actually means you're probably paying interest on it, so. Because usually it's paying 4 to avoid interest.

[Astrid]

I don't even remember. I try to do the interest free payment plans though, every time. Because, you know, pay in six.

[Caleb Hammer]

Maybe they have that now and I'm just not aware. Either way, that monthly payment is going to be $52. Okay, so that's right. Huh.

[Astrid]

I feel like it's more than that.

[Caleb Hammer]

What remaining is $154. It says.

[Astrid]

Oh, I don't remember.

[Caleb Hammer]

Is that not true?

[Astrid]

I don't remember.

[Caleb Hammer]

Well, I mean, this is just what's on it.

[Astrid]

Yeah, yeah.

[Caleb Hammer]

Wait, no, no, no, no. Hold on. It says 1465, scheduled for May 5th. That doesn't make sense. It says three of six paid.

[Astrid]

Oh, probably cuz I paid a head on it.

[Caleb Hammer]

This is very weird. Can you stop your mouth noises? No. Yes. You can't just keep your mouth shut until you talk.

[Astrid]

I can't.

[Caleb Hammer]

Oh, trust me, we can tell.

[Astrid]

I can take this back. Flip this somewhere, brother.

[Caleb Hammer]

I don't understand, brother. I need you to leave North Dakota and just get some societal exposure. Cause the only other place you've gone to is Idaho. I just. And now Texas. I just. You need to go to a city a bit longer because you are too farm trapped.

[Astrid]

Farm trapped? Yeah.

[Caleb Hammer]

Like you haven't had enough human interaction. And the only human interaction you have is literally flesh.

[Astrid]

Yeah, imagine if I was.

[Caleb Hammer]

I'm serious. Put that back. It's actually loud. This is a podcast. People are listening to it.

[Astrid]

Sorry. Okay.

[Caleb Hammer]

Are you. Because you just took it away.

[Astrid]

Well, you.

[Caleb Hammer]

Dude, you suck, man. Yeah, no, sometimes. No. Amount of each payment is 142. Number of payments three. Oh, okay, so 142.

[Astrid]

Yeah.

[Caleb Hammer]

Wait, no, this doesn't make sense. Something's weird here. Number of payments 3. Amount of each payment is 142. Okay, whatever. So 1. 42. 41. So you must have just went to Idaho.

[Astrid]

It was in February.

[Caleb Hammer]

Okay. I actually am gonna call this guy in the post show. I'M gonna tell him to leave. I don't think too well. He's already ghosting, so if we even get an answer, we'll be lucky.

[Astrid]

Not at this second.

[Sponsor/Ad Voice]

Tomorrow.

[Caleb Hammer]

Okay, so what is this? A signature loan? This is. The payoff amount's higher than the original amount. It's only gone up. Probably because, again, you prioritize leaving your kids, then paying off the debt working anyways. You work for you. To be clear, I think we've learned by now in this episode so far, you work that extra $800 a month so you can go have fun and leave your kids. We've learned that I don't get to

[Astrid]

have fun all the time. I have to work.

[Caleb Hammer]

Oh, my goodness. Did you not just hear what I said?

[Astrid]

Neither do your kids,

[Caleb Hammer]

dude. I don't know what to do with people like you. So what is this for?

[Astrid]

I.

[Caleb Hammer]

Stop. You don't have to. Hey, hey, hey, woman. You don't have to go. Before you say anything, I can't not. Yes, you can. You just.

[Astrid]

I get the cotton mouth from my mouth.

[Caleb Hammer]

No, you just talk. You don't have to go talk. You go talk. Word.

[Astrid]

Sorry.

[Caleb Hammer]

No, it's not funny. It's disgusting.

[Astrid]

It makes it me want to do it. You know,

[Caleb Hammer]

you're one of those people where they do something annoying. Someone says you're doing something annoying, so you want to do something annoying more.

[Astrid]

Yeah.

[Caleb Hammer]

Oh, you're crazy.

[Astrid]

What?

[Caleb Hammer]

You're a horrible person.

[Astrid]

What does it make people crazy?

[Caleb Hammer]

Okay, when I talk, I talk. I don't go talk, and you don't. Okay, you know, we're cutting every single time you do this. So keep doing it. I don't care. But, like, just stop. Just be normal.

[Astrid]

I'm trying. I am normal. I'm being myself.

[Caleb Hammer]

What's the signature lawn?

[Astrid]

I don't know that looking at it, because I don't know what it's from.

[Caleb Hammer]

3650 is what you borrowed. And literally this month.

[Astrid]

Oh, yeah.

[Caleb Hammer]

Literally two weeks ago last. Sorry, I forgot. We just. It just entered July a month ago.

[Astrid]

Yeah, for my wheels. I had to get new wheels on my car.

[Caleb Hammer]

What? For $3,650.

[Astrid]

And then I. So half of it was the wheels and tires, and the other half was paying off my car credit.

[Caleb Hammer]

You consolidated car credit? What's car credit? What's car credit? I've never heard of car credit. What's a car credit?

[Astrid]

Honestly, it's pretty big. They have a car credit?

[Caleb Hammer]

Car credit?

[Astrid]

Yeah.

[Caleb Hammer]

I took out a new loan attached to your car so what's a car credit? You mean owed on your car?

[Astrid]

It was a credit card, and I paid it off because it.

[Caleb Hammer]

Why'd you say car credit?

[Astrid]

That's what it's called. Car credit card.

[Caleb Hammer]

Oh, it was a synchrony loan for something that you used.

[Astrid]

Previous bank credit card called car credit.

[Caleb Hammer]

Okay, so you. You used it for something different.

[Astrid]

No, I used it for my car to fix my car.

[Caleb Hammer]

Yeah, you used it for a different car thing that was not this current thing.

[Astrid]

So that one ran out of the promotion, and I got a 35% interest on it, so I used it to loan.

[Caleb Hammer]

The answer's yes. The answer is yes. You use it for a different car repair before?

[Astrid]

Yes. Yes.

[Caleb Hammer]

That's what I was asking. Yes, you moron.

[Astrid]

Yes. And then I paid that off with the loan, and then I paid for the wheelies and the tires.

[Caleb Hammer]

What's the wheelies? Is that a brand? Oh, just wheels.

[Astrid]

Wheels.

[Caleb Hammer]

You're just.

[Astrid]

I had to pay.

[Caleb Hammer]

Infant talking.

[Astrid]

Cause one of them was up. Cause it was sitting in my car flat.

[Caleb Hammer]

Just one?

[Astrid]

Yeah, it was like, completely.

[Caleb Hammer]

Why did you get wheels for every. Why'd you get wheels for every wheel, then?

[Astrid]

Because I downsized my wheels.

[Caleb Hammer]

Was that not more expensive than just replacing one?

[Astrid]

They said it'd be cheaper in the long run.

[Caleb Hammer]

Oh, the.

[Astrid]

Cause.

[Caleb Hammer]

Cause why?

[Astrid]

Because of the tires. Because I have to buy tires, you know, every three years or whatever.

[Caleb Hammer]

So didn't you just have to buy tires with the new wheels?

[Astrid]

I'm out of water. Yes.

[Caleb Hammer]

Can we get a bottle of water for this? Dumb.

[Astrid]

This cool now. Did you know that?

[Caleb Hammer]

Yeah, but I said dumb before it.

[Astrid]

Cunty. Very cunty.

[Caleb Hammer]

Good. Okay, well, guess what? It's gone up from your original loan balance. That's. That's because interest started recruiting before you.

[Astrid]

Yeah.

[Caleb Hammer]

Yes. Before you started making your first payment. It's going to be $222.64 at an interest rate of 12.1. It's not good. It is better than a credit card, but it is not good. That's the reality.

[Astrid]

But I had to do it.

[Caleb Hammer]

No, you didn't have to get new tires for every tire. They sold you into it, they upsold you, and they said it would save you more in the long run, which I. I don't even know. But either way, I know it certainly didn't save you more in the short term.

[Astrid]

The tires were significantly cheaper because I

[Caleb Hammer]

paid for them than one.

[Astrid]

Yeah, well, then one. No. So one.

[Caleb Hammer]

Exactly. That's what I'm saying.

[Astrid]

But in the Long run.

[Caleb Hammer]

I know they sold you on that. I don't even know if that's true.

[Astrid]

It is. It is, because I had to buy the tires. I had to buy the tires, too.

[Caleb Hammer]

Exactly.

[Astrid]

Buy the new wheels and the new tires.

[Caleb Hammer]

Exactly. Instead of having to get tires later,

[Astrid]

each tire was a hundred bucks cheaper.

[Sponsor/Ad Voice]

What?

[Caleb Hammer]

But that didn't save you on the thousands you spent. So the long run, we're talking maybe like a decade and a half. Oh, you got sold, girl. You got sold.

[Astrid]

I'm not good with cars.

[Caleb Hammer]

No, you're. We already know this. You're not good at anything.

[Astrid]

How do you know?

[Caleb Hammer]

Well, you're one. You're bad at being a mother. All you had to do is take some dick, pop them out. Other than that, you haven't taken care of them wrong. Other than McDonald's. You don't even see them. You don't even take them to do anything fun.

[Astrid]

I'm not a bad mother.

[Caleb Hammer]

Again, you. You're not able to actually support that with anything.

[Astrid]

Yeah, because I'm taking care of them.

[Caleb Hammer]

Not from anything. I see. $222.64 is insane.

[Astrid]

That's. Yeah. Sorry. I was agreeing with you.

[Caleb Hammer]

Okay. But, yeah, you did it. And you're justifying it because the sale. You didn't. They sold you on the upgrade. It would have cost you like a thousand bucks or something, right?

[Astrid]

For the new wheel and tire? Yeah. Probably would have been like 500 bucks. 600 bucks.

[Caleb Hammer]

What are we doing? The fact that you testifying. Spending.

[Astrid]

It was 600 bucks at first, and

[Caleb Hammer]

then it's been 2,500, so shut the up.

[Astrid]

I had to buy new.

[Caleb Hammer]

Okay. I have something else.

[Astrid]

What?

[Caleb Hammer]

I don't know. Okay. It's a Paying for it. It's zero percent interest, so. Oh, it's an affirmed loan. What did you Affirm here for $468.97?

[Astrid]

The tire for my truck. Truck?

[Caleb Hammer]

What the.

[Astrid]

I think.

[Caleb Hammer]

What are you doing?

[Astrid]

Or is that the Amazon?

[Caleb Hammer]

It's for gear. I'm being told it's gear. I don't know what gear is. What's gear?

[Astrid]

I need a gear for the camping.

[Caleb Hammer]

What camping?

[Astrid]

For when we came out here.

[Caleb Hammer]

What?

[Astrid]

We camped our way down here.

[Caleb Hammer]

How much did you spend to come down here, camp your way? How many stops did you do? The straight shot down? 35, practically.

[Astrid]

But it's a long drive.

[Caleb Hammer]

It's long. How long?

[Astrid]

So. Well, if I would have went Fargo to Austin, it's 18 hours.

[Caleb Hammer]

Well, that's shorter than getting to my home. State of Michigan. So it's like. I've done that a shit ton of

[Astrid]

times, but I want to go see the ocean because I've never seen the ocean. So we went Galveston.

[Caleb Hammer]

Where'd you go?

[Astrid]

Like over there.

[Caleb Hammer]

The ocean's not in between.

[Astrid]

Corpus Christi over by there.

[Caleb Hammer]

So you overshot Austin.

[Astrid]

Yeah. And I wanted to.

[Caleb Hammer]

How long have you been on this road trip just to come do financial audit.

[Sponsor/Ad Voice]

What the.

[Caleb Hammer]

How much have you spent on this? You.

[Astrid]

So camping isn't very expensive. It's the gas.

[Caleb Hammer]

Yes. Right now. And you've been doing this for a week and still food and like that for a week. And I know you're stopping as a. So of course. What the.

[Astrid]

Well, we only ate out.

[Caleb Hammer]

How are you camping?

[Astrid]

What do you mean? In a tent?

[Caleb Hammer]

Girl, it's 100 degrees out. It's 100 degrees and like 90% humidity.

[Astrid]

Yeah, the humidity in Arkansas was the worst.

[Caleb Hammer]

No. How are you doing this?

[Astrid]

I don't.

[Caleb Hammer]

Is this even safe?

[Astrid]

There's a whole bunch of people camping. Yeah.

[Caleb Hammer]

Tents, though.

[Astrid]

Yeah.

[Caleb Hammer]

Tents in the middle of Texas? Summer. Texans love camping. They don't really do it in the summer.

[Astrid]

We weren't the only ones. And we were at the ocean. Right.

[Caleb Hammer]

The rest of them were homeless.

[Astrid]

What?

[Caleb Hammer]

I'm sorry. The ocean you went to was the Texas side of the Gulf. It ain't a nice ocean. That's the first time you've seen the ocean?

[Astrid]

Yeah.

[Caleb Hammer]

And you saw Corpus Christi ocean?

[Astrid]

I've hardly been out of North Dakota.

[Caleb Hammer]

No, I can tell. We can all tell.

[Astrid]

Yeah, girl.

[Caleb Hammer]

It's not like I'm like a big traveler by any means we know me. But I've seen some nice ocean. Trust me.

[Astrid]

And we stopped at the swamp in Caddo Lake. That was nice. Every night is usually only like 20 bucks or something like that.

[Caleb Hammer]

Yeah. But it's a shit ton of travel shit, ton of stopping in against bullshit.

[Astrid]

Yeah.

[Caleb Hammer]

How much have you spent was the question I asked you. I have no clue. You spent. You got a $468, 70.97cent loan for the gear for the camping. I'm a buddy, but I can return. That's a hotel room right now.

[Astrid]

I can return some of the stuff. No, no, no.

[Caleb Hammer]

Now, that right there, that gear specifically is. You drive down, you stop somewhere halfway, there's your room. You drive down one more. Stay here. Boom, there it is. Because what did you spend this $1,018 on a firm for.

[Astrid]

What is that?

[Caleb Hammer]

Because you even bought a new electric grill.

[Astrid]

Yeah, no, I bought a propane grill. Cause the first place that we stayed at in Arkansas didn't have electricity.

[Caleb Hammer]

So you got a hotel on the way down. We filmed this and you went halfway back up hotel two times. You would have spent less.

[Astrid]

Well, we wouldn't have seen the ocean.

[Caleb Hammer]

Yeah, but you saw the shittiest version. It's the Gulf. Anyway, you didn't even go see like the Atlantic or Pacific.

[Astrid]

I don't know the difference. I saw the ocean finally. I always wanted to see the ocean. No, I did. And I took my kids so they don't have to go their whole life without seeing the ocean or wondering what it's like.

[Caleb Hammer]

Ladies and gentlemen, I got something new to help you that we have personally built right here on calebhammer.com we have new Caleb Hammer Financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on caleb hammer.com we also have auto insurance. Now you can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if if you can save a shit ton of money across the board. Go to calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Starbucks is bull and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in Hammer Elite Show. Fat and fatter. The number one ranked energy drink is gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb. Okay, technically the Gulf is classified as an oceanic basin or a marginal sea of the Atlantic Ocean. So I guess we can say you've technically seen the ocean.

[Astrid]

Yeah, I'd say it's still barely. It's salt water.

[Caleb Hammer]

Yeah.

[Astrid]

And jellyfish.

[Caleb Hammer]

Very good. So $1,018.13 on this. Affirm. What is this? Oh, screen record Amazon. Okay, let me see. Pull it up. Search a screen. Recording Android freak.

[Astrid]

I don't know how. I've never had to do that.

[Caleb Hammer]

Anyone know how to start an Android?

[Astrid]

I think I can figure it out though, though.

[Caleb Hammer]

Oh, no, you can't.

[Astrid]

How do you know?

[Caleb Hammer]

Because we're gonna be here for the rest of the time. We're supposed to be filming by the time you figure it out eventually.

[Astrid]

I don't know. Where do you want my orders?

[Caleb Hammer]

Just give me your phone. 12 pack of fire color changer. That's what's required to survive. Electric candle lighter. A mini projector so you can watch things in the tent.

[Astrid]

Yeah, that was the plan. It was supposed to storm the first camping fan.

[Caleb Hammer]

Yeah, you gotta do that. I don't know how you guys are surviving. Fire extinguisher. Sure, it's good safety. But again, spending so much money when we could have just done a night hotel. Night hotel. That's it. Inflatable pool. Floaty. I guess some of them had a pool or the ocean.

[Astrid]

Right?

[Caleb Hammer]

Band aids. Yeah. I mean a projector screen. Jeez. Good death air mattresses. We didn't do that so much. There's the tents.

[Astrid]

No, that's a beach. I didn't use that. So I can return that too. And the projector.

[Caleb Hammer]

Because I end up not Amazon basics. I mean, sometimes you gotta. Pushy shaver. Oh, she's hoping. She's hoping to get some while she's with her kids. No, can't so much. So much. Menstrual lube. Oh, yeah, you are just. Why do you have to be the most disgusting. Oh, pelvic floor extender. Oh.

[Astrid]

What?

[Caleb Hammer]

Oh, if it was a hot gas, that would be getting hard. But so was this a thousand? No, this is Samsung for that. You affirm that phone?

[Astrid]

Yeah.

[Caleb Hammer]

Good death. Okay. What's your payment?

[Astrid]

It's like 50 bucks a month or something like that.

[Caleb Hammer]

What, it's gonna take forever.

[Astrid]

It's like a year long.

[Caleb Hammer]

No, 82 years.

[Astrid]

Okay.

[Caleb Hammer]

Did you need a new phone? You can't survive. You're spoiling yourself instead of your kids. Besides, the camping trip, the first thing you did in their 12 years.

[Astrid]

It's not the first thing.

[Caleb Hammer]

Anyways, sorry, McDonald's. Did you need a new phone?

[Astrid]

I gave my kid my old phone because her phone was dog.

[Caleb Hammer]

Really?

[Astrid]

Yeah.

[Caleb Hammer]

That kid should have access to the Internet.

[Astrid]

Yeah, they both need phones. They're home alone all the time.

[Caleb Hammer]

Oh, dude, they have no social interaction.

[Astrid]

Yeah, they do.

[Caleb Hammer]

They Don't. The one time, the one did.

[Astrid]

Well, it's public school.

[Caleb Hammer]

I went to pub. Who went to private school here? Anyone?

[Astrid]

I went to public school, but I went to public school.

[Caleb Hammer]

We actually got two privates over here. For what it's worth. We got the richies and then we're the public schoolers. Did we ourselves?

[Astrid]

Yeah. I mean, I went to public school too, and I never.

[Caleb Hammer]

But what's your point?

[Astrid]

It's a different girl.

[Caleb Hammer]

I got caught once in my life and it was unconsensual. And I wish I could get that foreskin back.

[Astrid]

Okay.

[Caleb Hammer]

Feels much better. I'm being told. I've been told anyways.

[Astrid]

I don't know.

[Caleb Hammer]

Well, you wouldn't. But that wasn't for you. That was for the boys you're purchasing on this visa that you can't pay off.

[Astrid]

Yeah.

[Caleb Hammer]

$40 minimum to payment. You immediately put it back on. Well, interest is accruing. Takes nine years to pay off.

[Astrid]

I needed some money. Cause I was out of money. That purchase on there, I think was when my kid was in the hospital after I got back from Idaho and Williston. What?

[Caleb Hammer]

Why was your kid in the hospital?

[Astrid]

She needed to have removed. Yes.

[Caleb Hammer]

So mind you.

[Astrid]

And that was for food.

[Caleb Hammer]

That's okay.

[Astrid]

Yeah.

[Caleb Hammer]

Mind you, you weren't there. You see how you're never there for your kids and they get in medical issues?

[Astrid]

I was there. I was with her in the hospital the whole time. That's how I spent the money.

[Caleb Hammer]

You said it was right when you got back.

[Astrid]

It happened right when I got back.

[Caleb Hammer]

Right when you got back.

[Astrid]

Yeah, right when I got back. I got into town and had to go.

[Caleb Hammer]

What would have happened while you were taking an eight incher?

[Astrid]

I don't know.

[Caleb Hammer]

Dude, you got to be there for your kids. Gift shop, a vending machine and just getting. Going out to eat. Yeah. Interest is accruing like crazy. I need you there for your kids. I just need you there for your kids. Oh, earn in you're doing. Earning. That's good.

[Astrid]

Yeah.

[Caleb Hammer]

$400. I mean this is like you have to pay it off in order to use it. And that's what it is. Why are you pay advancing yourself?

[Astrid]

Because I need more money.

[Caleb Hammer]

But you actually don't because you just spend it all going camping, going and sucking dick going and do all this stuff. That's what you're doing. How are you guys getting back up? How long until you're back up?

[Astrid]

We're going. We're gonna start going tonight and then.

[Caleb Hammer]

Are you doing any probably off trail activities.

[Astrid]

I don't plan on it. No.

[Caleb Hammer]

How long is it gonna take?

[Astrid]

So I want to get a hotel. Just a cheap hotel for tonight. Somewhere on the way.

[Caleb Hammer]

But you already have all the gear. Now you should just camp to save money.

[Astrid]

I have to work this weekend. And it's.

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[Astrid]

So 4th of July they want to campground?

[Caleb Hammer]

No, but step at a campground instead of a hotel. Goodness. Money management.

[Astrid]

What is this mmi? Have you heard of it?

[Caleb Hammer]

No.

[Astrid]

Oh, maybe.

[Caleb Hammer]

I assume it's like a. Like debt negotiator.

[Astrid]

Yes.

[Caleb Hammer]

Oh, good. Well, you're all back in debt again. Listen, this is why we have great personal loans and different services and whatnot. On Caleb Hammer.com, we've curated a great select because I love debt. Debt is great. You can't do it if you're in her position. Yeah, don't really can't because she consolidated her debt to make it even better. Not a consolidation. The debt negotiations. I used to consolidate, kind of. But the thing is, it doesn't work without changing your behavior because then you end up right where you are today. Where you have maxed out credit cards. How many times have you consolidated before?

[Astrid]

So before I did the MMI, I had like good death. You owe 15,000 on it consolidated probably like four times. Dude.

[Caleb Hammer]

See, why would you think this changed it? Because guess what? Now you're here again. You're on my show where you have insane debt.

[Astrid]

I had to close a lot of the credit cards to get that deal.

[Caleb Hammer]

And then you opened other ones. You have the Visa. You have a firm. You have a firm. You have signature.

[Astrid]

I've had the Visa since I was 18, so.

[Caleb Hammer]

I know, but like you still have all the shit and now you're using, earning without changing your behavior. You're just in the end, man. I know the behavior payment is $554. Your behavior across everything is a problem.

[Astrid]

The emotional regulation problem.

[Caleb Hammer]

Yes, across everything. And do you not see you rubbing it off on your kids?

[Astrid]

No.

[Caleb Hammer]

What did. Where did you just get back from the hospital for? Huh?

[Astrid]

Come on.

[Caleb Hammer]

How do you not see that? You being such an immature, horrible parent is obviously rubbing off.

[Astrid]

No, I wasn't there.

[Caleb Hammer]

That's what you said.

[Astrid]

You. Oof. Okay. Okay. Okay. Yep.

[Caleb Hammer]

Caught her.

[Astrid]

Got him.

[Caleb Hammer]

Oh, you. You be there for your kids. You were taking Dick instead of being there and she ended up in the hospital.

[Astrid]

No, that was when we were coming back from visiting my friends across the back home.

[Caleb Hammer]

You.

[Astrid]

But I had the younger kid with me and she wanted to stay with her friends. She had the option to come with. She didn't want to. She wanted to do.

[Caleb Hammer]

Guess what? When you weren't there, she went to the hospital because you're a horrible mother.

[Astrid]

It was as soon as I came back.

[Caleb Hammer]

No, not. Not. And you just said you were gone

[Astrid]

as soon as I came back.

[Caleb Hammer]

No, you keep changing your story for what makes you look better.

[Astrid]

Being admitted into the ER when I came back.

[Caleb Hammer]

Yeah, exactly.

[Astrid]

Yep.

[Caleb Hammer]

Synchrony. What's going on? Care. It's a. Oh, this is the car. What? This is the car. Care. But it's gone.

[Astrid]

It's gone now. Yep.

[Caleb Hammer]

Because he put it on that long.

[Sponsor/Ad Voice]

Yeah.

[Caleb Hammer]

Okay. Omaha. Fbn. Fnb Omaha. What's this?

[Astrid]

It's a old credit card. It's also on the mmi.

[Caleb Hammer]

Okay. Same with Care Credit.

[Astrid]

Also on the mmi. Yep.

[Caleb Hammer]

Okay. Same with Verizon.

[Astrid]

Also on the mmi.

[Caleb Hammer]

You couldn't do anything. You can't do anything. Same with jcp.

[Astrid]

Yep.

[Caleb Hammer]

All this. All the money goes to literally doing penis stuff instead of actually taking care of the den rent and dog feet. A thousand three hundred I just have written on a paper. What is this?

[Astrid]

So rent. No, my rent is like 1600 bucks a month. The dog fee is what that is.

[Caleb Hammer]

Take care of your kids and you have a dog.

[Astrid]

I used to. Not anymore.

[Caleb Hammer]

What happened?

[Astrid]

I had to get rid of it and I couldn't afford to take care of it.

[Caleb Hammer]

So pathetic.

[Astrid]

She needed.

[Caleb Hammer]

And you think you're gonna be able to take care of kids?

[Astrid]

Obviously proven she was kind of like disabled.

[Caleb Hammer]

Dude, you're just. I'm sorry. You disgust me on a person to person basis.

[Astrid]

Wow.

[Sponsor/Ad Voice]

Wow.

[Caleb Hammer]

Are you surprised?

[Astrid]

Yeah. What? Yeah.

[Caleb Hammer]

Are we playing Rust later? We should play Rust. Wanna play Rust?

[Astrid]

Mm. Call of Duty.

[Caleb Hammer]

See, I was trying to make myself happy because you're pathetic and disgusting.

[Astrid]

What do you mean?

[Caleb Hammer]

You're pathetic and disgusting. So I looked at my boys and I was like, let's play Rest.

[Astrid]

Some boy things.

[Caleb Hammer]

That's called I like to enjoy life. You are bringing my entire mood down here. Because you're actually one of the Worst people I've ever met. Because kids. Nothing matters more than kids.

[Astrid]

Right?

[Caleb Hammer]

And how you're taking care of and taking care and taking care and taking care of and making sure they're being taken care of. Nothing. Why does it sound weird to say the word kids? We've just had too many. The show. Oh, you're almost as bad. No, I'm not letting bad things happen to them. So what is this? Rent and dog fee?

[Astrid]

I had to. I had a dog and I had to get rid of it. And they back. They made me back pay for all the time that I've lived there. Even though I good have the dog time. I live there.

[Caleb Hammer]

Sorry.

[Astrid]

I tried to pay the deposit when I first got the dog, but they only allowed dogs that were over a year old. And I didn't know that up.

[Caleb Hammer]

You have a Nissan Titan. Don't even know what a Titan is.

[Astrid]

Yes. Truck. Oh, that was a question. It's a truck.

[Caleb Hammer]

Kind of. But your response was so

[Astrid]

it's truck.

[Caleb Hammer]

I don't know what this is. Yes.

[Astrid]

Yes.

[Caleb Hammer]

Do you have a minimum depayment to that dog and rent thing?

[Astrid]

They just included in my rent. So I just pay 1,600 bucks every month instead of. Instead of like 15 something for my rent.

[Caleb Hammer]

Well, how much is going to this? So I can put it as a minimum because that actually I need to know when it's paid off. That does help.

[Astrid]

It's 4, 60, 70 bucks, something like that. But I paid more of it.

[Caleb Hammer]

I'll do 65.

[Astrid]

I just included this Nissan. What about it?

[Caleb Hammer]

Instead of 5.4%. That's actually not horrible. With a $356 minimum payment. That's. That's bad for you because you can't afford life. And what's bad is you're underwater by about 10,000 hours. It's worth 27. You owe 37 on it. But here's the thing. You already had a paid off car and then you did this. Like, is that the worst payment in the world? No, but it's bad when you already had a payoff car. Why'd you get this, you moron?

[Astrid]

It's been helpful. It's been so how.

[Caleb Hammer]

Yeah, he already had a car.

[Astrid]

Have you seen the snow in North Dakota? It's insane. It's been wonderful. I don't have to call anybody for a ride. I can get through just in Fargo. Yeah. Do you want me to show you a picture?

[Caleb Hammer]

Shut the up.

[Astrid]

I saved a picture for you. It's got snow in April in my truck.

[Caleb Hammer]

Okay, So I. That's. I. We used to get that in Michigan. What do you want?

[Astrid]

I needed it. And it's been super helpful for, like, moving stuff, for camping. It's a lot more comfortable.

[Caleb Hammer]

Sell your other car and put it towards this, then.

[Astrid]

That's what some people said, but I want to keep it.

[Caleb Hammer]

Why? Why?

[Astrid]

Because.

[Caleb Hammer]

Then why?

[Astrid]

My kid can drive in a year.

[Caleb Hammer]

No, please. We at 13.

[Astrid]

14.

[Caleb Hammer]

You said 12.

[Astrid]

She's gonna be 13 this year.

[Caleb Hammer]

Okay, dude. Okay. Can you drive at 14? I thought it was 16. Is that when the permits start?

[Astrid]

Yeah. Yep.

[Caleb Hammer]

14 then.

[Astrid]

I have a car for my kid already. And for long driving.

[Caleb Hammer]

Well, even still, sell the car, save up, and help your car kid get a car and work also. I don't want this kid to be mobile. Man, I'm scared with this. What the. With what this kid does, I'm scared of. Yeah, Aren't you?

[Astrid]

She's a nice kid.

[Caleb Hammer]

Well, I didn't say she's a bad kid. She's a risk, though, for herself. Oh, I don't think she's a mean person or bad. Yeah, I mean, I kind of met her a little. She didn't seem like a piece of shit. No, I never insinuated that.

[Astrid]

No.

[Caleb Hammer]

She's a flight risk for herself, though. I don't know if I want her driving around. She needs more help. Yeah, yeah. Sell the car, put it towards your dad.

[Astrid]

That. Okay.

[Caleb Hammer]

What can you sell your other car for?

[Astrid]

Last I looked at, you took out a loan title. 6,000 or something like that.

[Caleb Hammer]

5,000. Okay. Sell it and put it towards this. Like. I get it. Yes. Yeah, maybe. I don't know. I. I'm getting some data, then I'll have better information here in a second. The interest rate isn't horrible, but. What is this?

[Astrid]

Hospital bills?

[Caleb Hammer]

Get on a payment plan. You can get like, five bucks a month.

[Astrid]

Dude, I am on a payment plan.

[Caleb Hammer]

Well, how much is it for the 956.54?

[Astrid]

I believe it's like 50 bucks a month or something like that. Yeah.

[Caleb Hammer]

Okay. Essential health. Another medical bill?

[Astrid]

Yeah.

[Caleb Hammer]

Okay. It's 542.47.

[Astrid]

That one I put on my FSA.

[Caleb Hammer]

So is it paid for, then?

[Astrid]

Yeah, that one's paid for. Okay.

[Caleb Hammer]

Is this for your kid that can't stop getting hurt?

[Astrid]

No, she usually doesn't go to the hospital. That was the only thing. Yeah.

[Caleb Hammer]

Okay. So is this a lot of different. Wait, what is this? What am I looking at here?

[Astrid]

It's a collections. This is collections for a hospital bill.

[Caleb Hammer]

Why why didn't you get on the payment plans?

[Astrid]

I was on a payment plan. That stuff came after.

[Caleb Hammer]

There's like 300 bucks total.

[Astrid]

I was already on a payment plan and that stuff came afterwards.

[Caleb Hammer]

So why not? If you're paying on time, keeps coming,

[Astrid]

the hospital bills keep coming and they send their payment plans.

[Sponsor/Ad Voice]

Okay.

[Caleb Hammer]

Fargo, North Dakota gets 51 inches of snow a year. Kalamazoo, Michigan, where I'm from, gets 60. It's snowier where I'm from. That's called lake effect snow. Thanks to Lake Michigan. I. My entire life went up there. And my job was to delivery drive, by the way. So I drove a lot. Was a front wheel drive sedan. You don't need the truck. Get rid of the truck. You're not. I was, I was allowing you to justify it for a second until I actually had data to stand on it. And I go through. I've my entire growing up life and driving. Learning how to drive. Wasn't a car. And if you're willing to have your kid drive the car, by the way, then you're willing to drive the car yourself. You're coping. You're a dumb. Get rid of the truck and drive your car.

[Astrid]

I need the truck.

[Caleb Hammer]

You don't.

[Astrid]

I do.

[Caleb Hammer]

No, you don't.

[Astrid]

Yes, I do.

[Caleb Hammer]

Why?

[Astrid]

Because it's more comfortable and I can get through everything.

[Caleb Hammer]

Okay.

[Astrid]

And I started trail riding.

[Caleb Hammer]

I'm about to end the conversation. Cause that's not a need. That's not a need.

[Astrid]

It's got a huge back seat.

[Caleb Hammer]

Heated back seat. That's not a need.

[Astrid]

So I can use it.

[Caleb Hammer]

That's not a need.

[Astrid]

As a casting couch for the daddy roll.

[Caleb Hammer]

No, that's disgusting. Stop, stop.

[Astrid]

It's got cooled seats too, which has been great down here.

[Caleb Hammer]

Yeah, it's not a need. It's nice. It's a want. Get rid of it. You can't afford it if you can't even take care of your kids. You're pathetic. Student loans. For what degree? $17,410.

[Astrid]

All the degrees I never completed.

[Caleb Hammer]

What's your minimum?

[Astrid]

I haven't been paying on it.

[Caleb Hammer]

That's gonna default.

[Astrid]

It's been in forbearance for forever.

[Caleb Hammer]

It's not anymore.

[Astrid]

For the save stuff?

[Caleb Hammer]

Yeah. No, actually that just kicked over this month. You didn't pick a new plan on the repayment assistance program?

[Astrid]

No.

[Caleb Hammer]

You're gonna default in a few months if you don't. Now you need to get.

[Astrid]

I have it on automatic payments, so

[Caleb Hammer]

once it has minimum payments, I highly doubt it. Cause you had to select plan Safe plans. Had to select a new plan.

[Astrid]

Okay, I guess I'll have to do that.

[Caleb Hammer]

Yeah, you need to do that day in the hotel. I'm gonna put it at like 50 bucks because you can probably get it down to there. What is this? It is a spending account of some kind, but I don't know what. PayPal. Jeez. My goodness. You can't answer questions.

[Astrid]

It doesn't have a.

[Caleb Hammer]

They're able to answer your questions for you because you suck.

[Astrid]

I sent them the stuff.

[Caleb Hammer]

You said it. So you should know. You should know. They shouldn't know more about you than you do.

[Astrid]

I put the titles on everything when I sent it.

[Caleb Hammer]

McDonald's.

[Sponsor/Ad Voice]

McDonald's.

[Caleb Hammer]

Oh, this is insane. What are we doing? This is your kids. This is your kids. McDonald's. McDonald's. McDonald's. Spotify, McDonald's, Domino's, Microsoft, Microsoft, Netflix. Microsoft, Domino's, Target, Patreon. And yet you don't even take care of your kids.

[Astrid]

They are taking care of. They're taking care.

[Caleb Hammer]

Shut the up.

[Sponsor/Ad Voice]

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[Astrid]

They're taken care of.

[Caleb Hammer]

Shut the up.

[Astrid]

No, you.

[Caleb Hammer]

Okay. Okay. 3,000 in there.

[Astrid]

Oh.

[Caleb Hammer]

HBO Max. Amazon Prime. McDonald's coming in. Get some bullshit. Getting energy drinks. Of course you are, you dumb.

[Astrid]

I get donuts for my kids to bribe them to get up for school.

[Caleb Hammer]

Oh, she can't parent. She can't parent. She can't parent. Give up. Give up.

[Astrid]

You should try doing it.

[Caleb Hammer]

I will at some point. And I'll do a lot better than you. Just like every other parent.

[Astrid]

You think you don't know what you're getting into?

[Caleb Hammer]

I have lots of shitty people on the show that are better parents than you. You're bribing your kids to get up. You're a bad parent. GPT. Really? For what? What do you do? You don't do shit. Energy or donuts. Domino's donuts. Some subscription. I don't know. Donuts. Popeyes. Bullshit. Bullshit. Amazon Theaters Prime. McDonald's bullshit. Venmo. Amazon.

[Astrid]

Ah.

[Caleb Hammer]

McDonald's bullshit.

[Sponsor/Ad Voice]

Photo.

[Caleb Hammer]

TJ Maxx. Chick fil A. Oh. Aesthetic. Some Bullshit. Bullshit. Fleet Farm. Bullshit. Bullshit. Domino's Bullshit. Bullshit. Oh, what's Guadalajara in North Dakota. Okay.

[Astrid]

Yes, that's right.

[Caleb Hammer]

Spotify donuts. Play some in app game. You're playing Taco Bell. Taco Bell. Amazon. Amazon. Oh, retry payment on PayPal. PayPal, Paypal, Paypal, Paypal, PayPal, Paypal, Paypal.

[Sponsor/Ad Voice]

Paypal.

[Caleb Hammer]

$11 in savings, up from 2.

[Sponsor/Ad Voice]

Woo.

[Astrid]

That's not good.

[Caleb Hammer]

No, your life sucks, which means your kids life sucks, which actually makes me feel bad. Cuz go. I mean you can go, your life, whatever, I don't care. But you. They don't get the consent if it's a 2,200.

[Astrid]

The beginning.

[Caleb Hammer]

Shut up. Okay, retirement, practically nothing, right? 3,000 in your pension. Wow. Incredible. 30,000. 30,000. Shut. Shut up. Shut up.

[Astrid]

Shut up. What are they called? 401k.

[Sponsor/Ad Voice]

Quiet now.

[Caleb Hammer]

Quiet, quiet. We're almost done.

[Sponsor/Ad Voice]

Okay.

[Caleb Hammer]

Your income is 5,200. Your rent is 1,600. Right. But it's actually 1,540. 4,540. We'll put your minimums. We will add that extra part to. Jesus crazy. It's actually more expensive than your rent. That's how pathetic you are. $1,648.13. What?

[Astrid]

What are you talking about?

[Caleb Hammer]

Your minimum payments are more expensive than your rent, you dumb. Oh, what's your.

[Astrid]

Oh,

[Caleb Hammer]

just shut the up. What's your utilities? Gas and electric and Internet all combined

[Astrid]

in water and so gas and electric's about 200 average. Water's like 90 and Internet's 90 expensive.

[Caleb Hammer]

Internet 380. What's your phone bill?

[Astrid]

85. Not horrible.

[Caleb Hammer]

I'll do helium if. If the towers are good in that area for like T mobile and stuff. I'm not just sure in Fargo, but I would check it out. Gas from. From. Drive. Drive

[Astrid]

a lot.

[Caleb Hammer]

Let's do a number.

[Astrid]

500.

[Caleb Hammer]

Car insurance.

[Astrid]

140.

[Caleb Hammer]

Food bill, you should be able to do 700. Meal plan, meal prep, TP fund. Anything else for you and the kids? 250. Medical, healthcare, co pays a ton.

[Astrid]

Probably like 300amonth.

[Caleb Hammer]

Okay. Is there a gym?

[Astrid]

No.

[Caleb Hammer]

No more pets, right?

[Astrid]

No.

[Caleb Hammer]

Tries $50 to subscriptions. We'll try with kids. It might be difficult. Oh, and we're underwater. 5,643 to survive. Get rid of the car? Yeah. Just sell it.

[Astrid]

Should I put that money on the truck or where should I put it?

[Caleb Hammer]

No, no, no. Sell the truck. Sorry? Sell the truck, you're out of there. I don't care about your mobile then we need to attack that debt as quick as possible so you can at least break even. Once you do because you're working just a shit ton of extra shifts, not traveling anywhere, not spending money money. Then you're paying off that extra 10,000 you'll owe on that which will free about 350 bucks which will get you to break even, which you'll still work hard and then you start paying off debt and it's going to be years. You can go through bankruptcy at some point. That might be your best option. I would certainly still get rid of the truck, get through bankruptcy, get that loan out of there and keep your car. It's gonna you forgetting like future rent places. It's going to be harder, it's going to be more expensive to get in but might be your only option now because you just don't make enough money. You might need to leave and go to a place with more opportunity because what your position is actually make good money places. Obviously your kids need a better place anyway. So this is a disaster. Those are the paths I would go down. But none of it works if you don't change your behavior first. And that starts by following this budget. So don't do any of it without changing your behavior and following this budget for three months. Guys. I'm gonna call this guy that she's stalking and going crazy on and I'm gonna try my best best and I'm going to get her to. I'm going to get him to even know how crazy this is. My goodness. I got to. I got to save a brother out there. I got to save a man. Oh I got. I got to. Let's get her Hammer financials girl shut the up. Spending in a budget you over spend 010 death is collection 010 emergency fund there was nothing. 0 out of 10 retirement that's at least something. It is $30,000 for someone who is 32 dramatically behind for your income. 30 what you make think it's about a 3 out of 10 real estate 0 out of 10 hammer financial score 1 out of 10 get yours@caleb hammer.com now click join to join Hammerley for an extra 20 minutes of this episode called AMP Financial Auto Post show where you get three premium shows every single day, six days a week. You can join here on YouTube with that link in the description or by clicking the join button or you can watch on the Hammer lead app or by going to hammerlead.com see you there. Hello. Hi. Can you hear me? This is Kayla, how are you? Why are you calling for? You're stressed. I'm with your. Your little friend. How does she have my number? What? What does that mean?

[Astrid]

Don't act like that.

[Caleb Hammer]

I changed my number after we hung out.

[Sponsor/Ad Voice]

Are you serious?

[Caleb Hammer]

I just launched the brand new Hammer Elite app, available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. Hey, it's Ryan Reynolds here for Mint Mobile.

[Astrid]

Now, I was looking for fun ways

[Caleb Hammer]

to tell you that Mint's offer of

[Astrid]

unlimited Premium Wireless for $15 a month is back. So I thought it would be fun if we made $15 bills, but it turns out that's very illegal, so there goes my big idea for the commercial. Give it a [e-mail] Switch upfront payment of $45 for three months, $90 for six months, or $180 for a 12 month plan. Required $15 per month equivalent to taxes and fees. Extra initial plan term only greater than 50 gigabytes. Me slow when network is busy. See terms.