He's Hiding Everything From Her | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "He's Hiding Everything From Her"

Date: March 13, 2026
Guests: Ashley & Bo (30, New Orleans, LA)

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Episode Overview

In this raw and often chaotic episode, host Caleb Hammer sits down with Ashley and Bo, a young married couple from Louisiana, for a brutally honest financial audit. With a combined annual income close to $200,000, Ashley and Bo seem, on paper, like financial success stories. However, as Caleb unpacks their banking statements and stories, a deeply dysfunctional pattern emerges: secret spending, unchecked gambling, ballooning debt, impulsive luxury purchases, financial infidelity, and minimal communication—especially from Bo, who hides significant money problems from his wife.

Caleb tears through layers of denial and rationalization, challenging both guests to face the consequences of their choices, and repeatedly asks why they accept this level of financial chaos—especially now as new parents.

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Key Discussion Points & Insights

1. Income, Jobs & Local Life

• Ashley works in luxury hospitality as a catering event sales manager, taking home roughly $3,800/month.
• Bo is an electrician at a nuclear power plant, earning roughly $2,600–$4,000/month (after garnishments/withholding).
• Both are Louisiana natives, with Bo’s attachment to the area driving the decision to stay.
  "We grew up there, you die there." – Bo (06:02)

2. Financial Illusions vs. Reality

• The couple made ~$200K last year, yet, as Caleb says, “had nothing.”
• Their region’s low cost of living should allow them comfort and savings; instead, they’re deeply in debt.
• Ashley: "We had a moment where we were like, let's start trying. And then it happened in one month. And then we were, you know, no going back at that point." (07:16)

3. Out-of-Control Spending (Toys, Gambling, Land, and Subscriptions)

Bo’s impulsive purchases:

• Multiple “toys”: boats (including a “Gator Tail” swamp boat), ATVs, upgraded engines, a medieval sword ($800+), side-by-sides, two trucks, and even hunting property four hours away.
• Ashley regularly discovers these after the fact—when Bo surprises her or simply comes home with a trailer-full.
• "He does it, doesn't tell me, then blindsides me. We fight about it, and then we talk." – Ashley (14:41)

Gambling:

• Bo bets heavily on sports (claims to be up $7,000 over six years but offset by losses) and is addicted to the action more than the winnings:
  "Is it an addiction if you're not losing?" – Bo (14:13)
  "If you can't control yourself? Yes, probably." – Caleb (14:16)
• Uses cash apps to hide betting activity for coworkers whose wives “wouldn’t understand.”

Subscriptions & Secrecy:

• Caleb uncovers numerous duplicate subscriptions (even three of the same hunting app), along with Bo’s active Tinder Premium account, despite being married and his wife’s recent pregnancy.
  "Tinder Premium while being married, while wife was pregnant. Gotta stick it in something, huh?" – Caleb (57:07)

4. Hidden Debt & Financial Infidelity

• After having cleared all debts three years ago (thanks to a $50k windfall from selling a house), Bo and Ashley are now back in severe debt—over $151,000 not counting their mortgage.
• Bo has taken out:
  • Credit cards with large balances (Discover $10k+),
  • Personal loans (for two trucks, 9-year term, 11.24% interest),
  • 401(k) loan (for home renovations and hunting property),
  • Payments owed to both parents ($10k from a failed land buy),
  • High interest “balloon” loan for a now-depreciating land plot (now at 8%).
• Ashley has lower balances but put furniture and baby expenses on high-interest credit cards, and her family also spends on her Amazon account.
• Repeated evidence of overdrafting, hiding financial stress, and lying by omission from Bo: "I guess he found this out. Okay, so Lindsay had conversation with you guys and then she had a call the other night with him. He was blabbering. ...he was probably drunk just blabbering things that he doesn't even know what he's talking about." – Caleb (31:36)

5. Communication (or Lack Thereof)

• Household finances are almost never discussed transparently.
• Bo typically buys first and tells Ashley only after delivery.
• "We fight about it, and then we talk." – Ashley (14:41)
• They don't have joint accounts or a joint budget. Each alternates mortgage payments and claims, "We just haven't gotten to it."
• Both admit to bottling up resentment until blow-out fights, but little changes after: "I think I just run out of energy sometimes." – Ashley (21:12)

6. Marital Dynamics, Enabling & Rationalizing

• Ashley admits she enables Bo’s behavior by not holding him accountable: "That's my problem. That I will own up. That I don't mother him. I don't micromanage... I don't look at anything." – Ashley (63:28)
• Bo defends repeated bad decisions with "It'll be all right" and confuses love with providing a secure future.
• Regular drinking, partying, and even drunk driving on the “side by side” through the bayou, with both rationalizing as “normal” in their social context.

7. Parenting & Future Concerns

• Six-week-old baby is now part of the financial mess.
• Ashley fears her lack of boundaries could extend to parenting: "You're gonna let this child walk all over you, especially when he's a teenager?" – Caleb (35:52)
• Bo jokes about taking the baby hunting, boating, and even gambling with his friends.

8. The Household's Financial Breakdown

• January, their "best" month, saw $19,987.95 spent on a $12,985 income (driven by Bo's overtime).
• Outflows go to debt servicing, luxury purchases, excessive subscriptions, dining out, gambling, and various “bullshit” expenses.
• Caleb calculates that, assuming no more accumulated debt, it would take 13 years to pay off their non-mortgage obligations at their current pace.

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Notable Quotes & Memorable Moments

Secretive Spending Patterns

• Ashley: "He bought a side by side, and I only found out because his location was in Mississippi. I thought, he's not cheating – he's just being dumb.” (14:50-15:28)
• Bo: “But it’s for us!” (15:58)
• Ashley: “You did not purchase that for me.” (16:00)

Financial Infidelity & Rationalizations

• Caleb: “So there’s financial infidelity in every moment of our life. We don’t think there’d be real sexual infidelity.” (58:02)
• Bo (on gambling): “I win on that every single time.” (21:21)
• Caleb: “You’ve made $5,000 in literally six years… that’s nothing.” (22:27)

Avoidant Habits/Denial

• Bo: "Because the money always comes in." (50:05)
• Caleb: "You've never lived through a real recession." (50:06)

Enabling & Household Dynamics

• Ashley: "I just pick my battles and I...We will argue, but then he says something to aggravate me, and then I say I'm done with the conversation and it moves on." (29:45)
• Caleb: “You don’t give a shit about anything. You get upset once, you never put your foot down and you have no spine.” (35:32)

Subscriptions & Tinder Bombshell

• Caleb: “Why do you have Tinder Premium?” (57:51)
• Bo: “I realized that whenever I applied to the show...I canceled a lot of things.” (57:52)
• Ashley: “He didn't even have the app. He was just paying for it." (57:40)

Reckless Priorities/Behavior

• Caleb: "Why do you not care about your wife and kid and their financial future?" (54:04)
• Bo: "I do care about their financial future. That's why we're gonna get all this straightened out. Don't flip." (54:15)
• Ashley: "Six weeks." (in reference to their newborn, 38:25)
• Caleb: "Drunk driving anywhere that puts your life at risk." (39:11)
• Bo: "It’ll buff out." (38:31)

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Timestamps for Key Segments

• Introduction of Guests & Louisiana Life – [02:06]–[06:04]
• Disclosing (or Fumbling) Real Income – [03:10]–[05:54]
• Financial "Success" but No Assets – [07:02]–[07:31]
• Impulse Spending and Lack of Communication – [07:31]–[18:00]
• Gambling Habits & Justifications – [13:31]–[23:01]
• Household Arguments, Secret Purchases – [14:46]–[18:00]
• Review of Debts and Past Financial Wipeout – [40:48]–[41:13]
• Realization of Overspending, Surprise Outflows – [28:12]–[29:27]
• Subscription Audit & Tinder Reveal – [56:18]–[58:08]
• Major Debts Explored (Personal Loans, 401k, Land) – [64:03]–[73:06]
• Budget & Minimum Monthly Payments – [94:51]–[96:48]
• Final Calculation: How Long to Debt Freedom? – [98:08]–[100:03]
• Caleb's Final Financial Audit Score & Recommendations – [102:23]–[103:12]

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Conclusion: Caleb's Core Advice

• Combine your finances. Budget together.
• Cut all “fun” spending and focus on debt repayment.
• Hold each other accountable and communicate about every purchase.
• Major lifestyle changes are required—anything less, and bankruptcy or long-term hardship is inevitable.
• Real help is available if they're willing to act.

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Hammer Financial Score: 3/10 (propped up only by limited emergency fund and real estate equity)

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For Listeners

This episode is a real-world cautionary tale. With wit, candor, and exasperation, Caleb reveals how even high-earners can become trapped by chaos if responsibility and communication are ignored. The real stakes: a young family’s future, teetering on the edge between “we’ll always figure it out” and financial ruin. Recommended for anyone struggling with financial transparency (or in denial about how bad it’s gotten).

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Transcript

[Caleb Hammer]

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[Ashley]

Whitney and Jen are on Dancing with the Stars.

[Bo]

Taylor is a bachelorette.

[Ashley]

Saying that out loud is crazy. Like that is huge. But all the cool opportunities could pull us apart. It's causing issues in everyone's marriage. My whole world is falling apart right now.

[Caleb Hammer]

It's chaos. Watch the Hulu original series the Secret Lives of Mormon Wives now streaming on Hulu and Hulu on Disney for bundle Subscribers to supply now at the Home Depot receive 12 months special financing and free basic installation on carpet projects with Lifeproof Lifeproof with pet Proof technology, Home Decorators collection and traffic Master carpets bring a new look to your floors or give them a durable surface that stands up to life's tough messes. Get 12 months special financing on installed carpet projects right now at the Home Depot offer valid March 12 through March 29, 2026. Exclusions and additional charges may apply for licenses. See homedepot.com licensenumbers to watch episodes of Financial Audit a week earlier, check us out on YouTube. Why do you have Tinder Premium?

[Bo]

I canceled a lot of things, paused

[Caleb Hammer]

Tinder Premium while being married while wife was pregnant.

[Ashley]

Don't look at me like that. It's your phone, your subscription and your app.

[Caleb Hammer]

What if we redownloaded it right now and he logged in with his Apple id? What's the most recent message we'd see?

[Ashley]

A lot of what comes out of his mouth is just utter shit.

[Caleb Hammer]

Oh oh, can I say that, Lindsey? Brandon typed. I used that app to hide old nudes when I was in a relationship. For real? For Real dollar wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. And with the annual you get my Budget Friendly Cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you after March 31st. The cookbook is going away forever.

[Bo]

So.

[Caleb Hammer]

So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial. Go to Dollarwise.com or click the link below.

[Ashley]

Hi, I'm Ashley. I'm 30 years old and I'm Beau.

[Bo]

I'm also 30 years old. We're from New Orleans, Louisiana, and this is financial audit.

[Caleb Hammer]

I have a beef with you guys. I legitimately have a beef with you guys. I was sitting in my precious office, my nice little introverted office, and I wanted to get coffee. So I look over to the kitchen. Oh, Ashley, she's standing there. Okay, great. Five minutes later. Oh, Ashley's still standing there. Great. Five minutes later. Oh, Ashley's still standing there. So I can't go get a cup of coffee because I don't want to socialize yet. And I thought that was your fault. I thought maybe it was even Lindsay's fault. I thought Lindsay betrayed me. But no. What were we waiting on? Beau was taking a legendary for like 30 minutes.

[Bo]

Go Tigers.

[Caleb Hammer]

So I couldn't get a coffee because you were ripping your hole apart and staking up that bathroom for like 90 minutes. Beautiful. What have you done to yourself, sir?

[Bo]

I have problems sometimes and that's what happens. So you know, just one damn coffee.

[Ashley]

It was a chicken and waffles.

[Bo]

It was a chicken and waffles.

[Caleb Hammer]

Okay. Ashley, what do you do for a living in New Orleans?

[Ashley]

I work in luxury hospitality for a hotel.

[Caleb Hammer]

Oh, what's your position?

[Ashley]

I am a catering event sales manager.

[Caleb Hammer]

Sure. So what do you make as in your income, Ashley? What other answer would there be?

[Ashley]

I feel like there could have been a lot of answers.

[Caleb Hammer]

What do you. When I say what do you make? What do you hear?

[Bo]

Usually what you make. So that'd be nice.

[Ashley]

I. Yearly.

[Bo]

Monthly.

[Caleb Hammer]

Yearly cakes. Like, are you gonna like. What kind of cakes do you make?

[Ashley]

I make events. I make legendary luxury events for my clients.

[Caleb Hammer]

Yeah. What are you making this job? Money.

[Ashley]

I take home or my gross or anything.

[Caleb Hammer]

Okay, let's do take home.

[Ashley]

Take home a month. About 1900.

[Caleb Hammer]

All that for that?

[Ashley]

Yeah, I know it's.

[Caleb Hammer]

It's not enough for 1900 bucks a month.

[Ashley]

You should meet my clients.

[Caleb Hammer]

Listen, you're in a cheap declining area where no one wants to live. So 1900 can stretch a little further. I mean, New Orleans is what lost 50 of their population. It was on the decline before Katrina. So don't know why you're there anymore. Maybe it's because he's a super fan.

[Bo]

We're coming and way back and now

[Caleb Hammer]

other than that.

[Bo]

Oh, big go tigers all day.

[Ashley]

I would live somewhere else. But he is very loves Louisiana.

[Caleb Hammer]

I'm here with my family and we are so excited. Okay. What do you do, Bo in Louisiana? The place he's the super fan of.

[Bo]

I am an electrician. At a nuclear power plant.

[Caleb Hammer]

Yeah. You are. Yeah. Let's go nuclear. I don't know why. Listen, nuclear is incredible, but people are so anti nuclear. Especially across Europe. They're literally. Nuclear is awesome. You must make a ton of money. Please. What do you make?

[Bo]

I make take home would be 2600amonth.

[Caleb Hammer]

So a ton of money.

[Bo]

I put money in other places as well.

[Caleb Hammer]

So post pre take home.

[Bo]

Well, some of my debts come straight out of my check and.

[Caleb Hammer]

Oh for sake. What would your take home be if not that? That's insane.

[Bo]

Well, actually that was higher. My. My check right now is reading 2,000amonth.

[Caleb Hammer]

What? This is so confusing because I was actually. Listen, I do go in blind, but I was given a couple bolts before and I heard this was a high income income earning household.

[Bo]

It is, but when.

[Caleb Hammer]

No, it's. It's literally even with 2,600. It's not if it's 20. Listen, you make $3,900 a month. That's. That's our. This is our naming. Maybe in Louisiana. It's our standard of a high income earning household. But.

[Ashley]

Oh, I feel like I lied to you. That's how much I make a check. So double that.

[Caleb Hammer]

You get one check a month.

[Ashley]

No apply with it.

[Bo]

Okay. Oh, me too. That.

[Caleb Hammer]

Guys, are you. Yes.

[Ashley]

I'm sorry.

[Caleb Hammer]

Louisiana.

[Ashley]

We did go to the same Louisiana.

[Bo]

We went to the same high school.

[Caleb Hammer]

Oh so inbred. I'm assuming as well you grow up

[Bo]

there, you die there.

[Ashley]

Yeah.

[Bo]

Each other.

[Caleb Hammer]

Okay.

[Bo]

Make other babies.

[Ashley]

Can you not?

[Caleb Hammer]

Well, they just had one, so.

[Ashley]

Yeah. No.

[Caleb Hammer]

So that's why you're upset. How old? When did you have a baby? Congratulations.

[Ashley]

Thank you. He is six weeks old.

[Caleb Hammer]

Wow. And you're already calling it.

[Bo]

Well, it's half mine, so.

[Caleb Hammer]

Okay. I'm sure he's going to be happy growing up and seeing that $7,800 net even after mandatory garnishes. Now that is money. Okay. And that should stretch super far there. You guys should honestly be killing it. You should be killing it. I'll be honest about that. Yeah. Why aren't you? Cuz this stack of paperwork is absolutely huge. And I'm glad you guys had a baby with that income. You could give that baby. Especially in a low cost of living area where no one wants to live an incredible life other than having to be in that area where no one wants to live. 7,800 is to stretch super far. What the is going on?

[Bo]

Well, that's what we said too last year when we sat down and we did our W2s and we made $200,000 last year and had nothing. Go for it.

[Caleb Hammer]

Yeah. So we decided to then have a baby. That was an interesting strategic decision.

[Bo]

Yeah, no doubt.

[Ashley]

Well, we did that moment where we were like, let's start trying. And then it happened in one month. And then we were, you know, no going back at that point.

[Bo]

Swimmers are strong when you work in the back.

[Caleb Hammer]

Is happening, guys. What the is happening?

[Ashley]

Well, we say we 80, 20 impulse control problems where when he sees something that he just has to have, regardless of the dollar sign, he'll just buy it and then tell me about it later.

[Bo]

But it's cool stuff.

[Caleb Hammer]

Like what?

[Ashley]

Like what?

[Caleb Hammer]

What's the cool stuff? What's the cool stuff that is more important than your child?

[Bo]

Like a boat. A side by side. A boat. Jet skiing. Yeah, a boat.

[Caleb Hammer]

A boat for literally the worst area of the Gulf.

[Ashley]

Now, we do live on the bayou. We live outside of New Orleans. South of New Orleans.

[Caleb Hammer]

Okay, so gators.

[Bo]

Yes, yes, gators all day.

[Caleb Hammer]

Great. That's what I want to be boating with.

[Ashley]

Yeah, yeah.

[Caleb Hammer]

I want to get in the water when I go on a boat.

[Ashley]

You can.

[Bo]

You can.

[Caleb Hammer]

Yeah. But gators.

[Bo]

You can come visit us. I have an alligator on a leash waiting for you. Actually, Actually, no. I did it for my cousins.

[Ashley]

Oh, you're breaking his brain.

[Caleb Hammer]

No, it's the same.

[Ashley]

They don't bother you.

[Caleb Hammer]

It's like you people are exist only on the screen, which I guess for these people, you are only on the screen, but for me, you're in real life right now, and it's kind of crazy.

[Bo]

Oh, okay.

[Caleb Hammer]

Okay. So Listen, if you're making 200, 000 hours a year, you just going and spending some money shouldn't make or break now. A boat is crazy. How much does a boat cost? What boat did we get?

[Bo]

Boat. Well, this is a gator tail boat, so.

[Caleb Hammer]

Gator tail boat.

[Bo]

Yes.

[Caleb Hammer]

Oh, my goodness. This is so swamp heads.

[Bo]

Oh, no doubt.

[Ashley]

But swamp people on tv, it's not real.

[Caleb Hammer]

What are you talking about? You guys are literally living that in reality in front of me right now. You guys are those people on tv. That's what I am saying.

[Bo]

Yeah, but the maligators ain't mean like they put on small people.

[Caleb Hammer]

Come on. I've been in front of alligators, and I've seen them snap at turtles, and

[Bo]

they're mean, but they don't. I mean, I got scars on my hands from it.

[Caleb Hammer]

Yeah, sounds like a really nice pet. It's not that bad. Okay, I'm still confused. This boat, how much did it cost? Because that should not make or break our.

[Ashley]

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[Bo]

Plus score a can of Red Bull

[Ashley]

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[Caleb Hammer]

Terms apply.

[Ashley]

Visit the website for more information.

[Caleb Hammer]

Our entire life.

[Ashley]

Oh, he has multiple toys. It's not just the boat.

[Caleb Hammer]

So is it all him?

[Ashley]

Yes.

[Caleb Hammer]

I.

[Ashley]

Okay, okay.

[Caleb Hammer]

Why are you with her? Because this is her household too. You guys are married?

[Bo]

Yes.

[Caleb Hammer]

How long?

[Ashley]

We just made a year in September.

[Caleb Hammer]

Why are you trying to destroy this thing? A year in.

[Bo]

I had that before the marriage and she's still okay.

[Caleb Hammer]

Then why'd you stick around? What the is going on? Someone that can't be project. This is an infinite project. I don't think this is something that's actually being repaired in any way whatsoever.

[Bo]

Our first date was in a boat.

[Caleb Hammer]

I'm not saying.

[Ashley]

A man also flipped me out of a boat the same day our friend got bit by an alligator. It was not a good time.

[Caleb Hammer]

My goodness.

[Ashley]

Guys, I'm not kidding. That's a swamp.

[Caleb Hammer]

People are creatures. Guys, listen, okay. I'm so happy I exist in society. This sounds miserable swamp man. Listen, you're buying toys, you're up the finances. Why does that not matter to you? I'm not saying you don't get abodes. Why does it not. Why do you not give a.

[Bo]

Because the money's going to keep coming.

[Caleb Hammer]

Not necessarily nuclear power plants. We're a little more pro nuclear right now. But nuclear power plants have been known to be shut down out of fear mongering policies.

[Bo]

Yeah, but people are starting to get a little more.

[Caleb Hammer]

Louisiana are literally so like literally like that's not a joke. They're literally. Louisiana is a state. Like full state.

[Bo]

The parish we live in is actually called Cancer Alley.

[Caleb Hammer]

Internal tourism. If the economy goes south, that also goes down. And who knows we haven't had a lovely real recession in a hot second. Like an actual actual recession. Like it might be on our horizon naturally cyclically it might actually be there. Yeah, that's what waiting for us.

[Bo]

I think it'll be all right though

[Caleb Hammer]

Maybe you would be more alright but you might lose half the income. So just to say that we can just around because the money will always be coming in no that's not how this works. You think that's probably what people thought in 2008. Then everyone got sure, a house is harder to get. But I mean you guys, other than that, best jobs, best economy, best actual sources of being able to have fun and luxury than any other point in human history. That's why you guys don't think anything bad would happen. You never would during COVID Okay, and how long.

[Ashley]

I lost my job in March of 2020 and I didn't start working until January.

[Caleb Hammer]

And what'd you guys do at the time?

[Bo]

I was still an electrician.

[Caleb Hammer]

Yeah, what did you guys do? You lost half your income?

[Ashley]

We weren't together.

[Bo]

That's actually what got us together. Because she lost her job and was forced to move home and I was already home still. She was in California.

[Ashley]

I lived in California.

[Caleb Hammer]

Our siblings.

[Ashley]

I lived in California. When I lost my job, I stayed in California. And then after I couldn't find another job, I came home to New Orleans. And why?

[Caleb Hammer]

California has a lot of issues, but at least it's civilization.

[Ashley]

Well, I had to go home. I had nowhere to. I couldn't pay rent. I couldn't get a job.

[Caleb Hammer]

But was it ran completely on pause in California?

[Ashley]

It was. Yeah.

[Bo]

She was getting fat. Unemployment checks too.

[Ashley]

I was.

[Caleb Hammer]

Or fat. Which one? No, that's the pregnancy. We don't blame you for that. Okay. Okay, listen. Something might happen. You can't just around and if you do care and you say it's an endless project, that's a good cope. What are the actual conversations in this household? Revolving finances. Like come on. I'm. I'm looking here. The reality is this dude just spends a ton of money gambling. Correct.

[Ashley]

Give a. I do.

[Caleb Hammer]

Then where's. Where's your backbone? What are we doing? What are the conversations in this household? Dude's up everything.

[Bo]

I'm good at gambling though.

[Ashley]

He doesn't think he has a problem because he doesn't lose. But he does lose.

[Caleb Hammer]

Doesn't lose ever. That's impossible.

[Bo]

That is not ever the best lose.

[Caleb Hammer]

What are you talking about?

[Bo]

Well, I'm not that great at the casino but sports betting and we're in

[Ashley]

Texas bet the whole time we were here.

[Bo]

Dude, I was so mad.

[Caleb Hammer]

Can we not sports bet here?

[Bo]

You can only call she and them now but like actual sports Betty on I think the one that Jake Paul.

[Ashley]

Oh.

[Caleb Hammer]

So it depends on the platform. Okay. I was going to say cuz Robert does sports betting.

[Bo]

You probably shouldn't have told me that.

[Caleb Hammer]

Huh?

[Bo]

Probably shouldn't have told Me that.

[Caleb Hammer]

Listen with that. That means you obviously have an addiction. If you can't control yourself, once you find out you can.

[Bo]

Is it an addiction if you're not losing?

[Caleb Hammer]

If you can't control yourself?

[Bo]

Yes, probably. So I.

[Caleb Hammer]

If you're losing, people aren't losing. Run the gooning department. Doesn't mean they can't be addicted to had. They're just losing, not had.

[Bo]

A little come to Jesus moment yesterday when I couldn't be yesterday.

[Caleb Hammer]

Just yesterday.

[Bo]

Yeah. I was scared of demons out my face because I couldn't bet.

[Caleb Hammer]

Guys, you refuse so far to tell me how the conversations are in this

[Ashley]

household, yelling, tell me.

[Caleb Hammer]

Please tell me.

[Ashley]

So he has this thing where he does it, doesn't tell me, then blindsides me. We fight about it, and then we talk.

[Caleb Hammer]

What does that look like? Give me an example.

[Ashley]

All right, which one?

[Bo]

Let's start with.

[Ashley]

Start with the side by side. So he bought. Which is an atv. Okay. This is when we're just dating. We are not. We're living in our first home together that he purchased, that I moved from California, moved in with him. And I at the time, we were. You know, we share locations with each other. And it was getting pretty late, and I was like, he should be home soon. So I took a little gander at it. And he was in Mississippi. And I was like, this is very sketch, right? So I'm like, hey, what you doing? And he lied about where he was. Now I have a very. I have a lot of trust. So, like, I didn't think right away he was cheating. I was like, he's doing something stupid. Yeah. Could have been cheating. Yeah.

[Caleb Hammer]

No.

[Ashley]

So he comes home.

[Bo]

So many worse options.

[Ashley]

Pulls up to the. I'm fuming. Cause I know he's lying. Well, I'm not gonna catch him in a lie till he gets home. So I just roll with it. I'm like, okay, I'm just gonna roll with this lie because I know it's gonna eventually come to an end. He pulls up to the house with a trailer behind his truck with a ATV on it, big side by side. So he went out and purchased this and came back. And I looked through the window, watch him pull up. And I was like, oh, this is even getting juicier. Like, I am about to blow my top.

[Caleb Hammer]

Yeah.

[Ashley]

He comes through the door to tell me he surprised me with a gift.

[Bo]

It's for us.

[Ashley]

It's for you. And I was like, that is not for me. You did not purchase that for me. Start from the top. Don't Leave any details out. Go. I'll give you time that the floor is yours. So I'm silently fuming while he's trying to justify his actions of going and buying this side by side.

[Bo]

And we use it all the time.

[Ashley]

Yeah, now that was two years ago. How about you use it we and you say.

[Caleb Hammer]

It goes into an argument though. What does this look like? Finance conversations.

[Bo]

We go to my endless justifications until she just says all right.

[Ashley]

Then I asked him like where the money came from because I know that we didn't have just cash to purchase this thing. Which I think it was like $11,000.

[Bo]

That was 12.

[Caleb Hammer]

And how frequently does this happen?

[Ashley]

The side by side was the first. First.

[Bo]

I guess every few months this happens.

[Ashley]

Yeah.

[Caleb Hammer]

No, and then the same thing happens every single time. You maybe a good without a single conversation. Then she finds out, she blows up and then. And then you do it again. Why no one changing anything.

[Bo]

I'm a little better now. At least you just got a boat.

[Caleb Hammer]

A gator boat.

[Bo]

No, he's been having had that. Okay, I did just get the upgraded engine too.

[Ashley]

What?

[Bo]

No, that was like six months ago. No, that was about a year ago.

[Caleb Hammer]

Did she even know this?

[Bo]

No, you knew I upgraded the engine.

[Caleb Hammer]

Dude, she's your wife. Why don't you guys have conversations? Why don't you talk to her?

[Bo]

I'm better now. I at least mention it to her now. Well, I'll mention something like that and then it just shows up at the house.

[Caleb Hammer]

So instead of waiting for it to show up, you just tell her it's on the way. But it's still post decisions already been made. She gets absolutely no ability to speak on it.

[Bo]

I just get really excited about it.

[Caleb Hammer]

I do too. And I have to tamper my excitement cuz I make a lot more than you so I can do a lot more fun things. I still don't let myself cuz I know I get excited and then maybe I'll use it for like a second and it's just like that doesn't mean it's always good.

[Bo]

Use the stuff I buy. I do use the stuff.

[Caleb Hammer]

Yeah, but.

[Bo]

Except for the jet Ski, but.

[Caleb Hammer]

Exactly. There's. There's always things that get bought cuz it's exciting. Some things get used more than others. But it's still. I mean it's a toy.

[Bo]

It is a toy.

[Ashley]

The toy.

[Caleb Hammer]

Look, look at this stack. Dude. Look at this stack.

[Ashley]

No, the worst toy of all. Which I have no justification on and I don't even know how much it is Because I'm too scared to ask. Cuz he didn't tell me. Is a medieval sword that he bought. I do know that he spent an additional.

[Bo]

You want to see it?

[Ashley]

$200. I do know that amount. To have it professionally sharpened.

[Caleb Hammer]

Foreign.

[Ashley]

I'm not kidding you.

[Caleb Hammer]

For what, dude? Why?

[Ashley]

And it's hanging on the wall.

[Bo]

Because if somebody breaks in my house, I don't want to use a gun.

[Caleb Hammer]

It's a sword of Gondor.

[Bo]

Yes, it is. That's a fact.

[Ashley]

I hate that you said that just now. That was like you a fan?

[Caleb Hammer]

She started typing Lord of the Ring. And I immediately knew. I mean, because it's a sexy sword, but it's like.

[Bo]

Yeah, it is.

[Caleb Hammer]

But like, what about your debt? What about your family? What about your kids? What about your wife?

[Bo]

It wasn't that much money.

[Ashley]

How much was it? Tell me. It was 800 plus 200 to have a short.

[Bo]

No, no, no. That was with the. That was with it.

[Caleb Hammer]

But it's still just money that. If we're just endlessly doing this, why are you still there? I know you love him. I'm not discounting. But this dude does not improve in any way whatsoever. You get no ability to speak on purchases before they happen. It's like your opinion doesn't matter. And then you choose to bring a kid into the world and get married last year. Why are you still here?

[Bo]

Well, she's stuck now. She's got the kid.

[Caleb Hammer]

Yeah, I know.

[Bo]

She's got to deal with it forever

[Caleb Hammer]

now because in the long.

[Ashley]

I mean, like, if you look at the bigger picture, it is a very small thing in our relationship.

[Caleb Hammer]

What? No. Your finances are a huge thing. It's one of the leading causes for divorce in this country. What are you talking about? It's a huge thing. It's not a small thing.

[Ashley]

Maybe I'm too nice, I don't know.

[Caleb Hammer]

No, you're coping because you like the guy and you're still fresh in the marriage. How long were you dating before the marriage?

[Ashley]

Four years.

[Bo]

Yeah, four years and then a little light stalking. For 10 years we've known each other.

[Caleb Hammer]

I know that with his around, you were first forced to pay the mortgage for six months alone. I bought on your back.

[Ashley]

Yeah, yeah, because his credit score wasn't good enough.

[Caleb Hammer]

Yeah, but what the. Why aren't you stepping up? Why. Why are you having to be the adult? You know, you have two children.

[Ashley]

Yes, I do know that.

[Caleb Hammer]

And you're okay with it though, because you don't seem to actually like, you'll blow up, but then it's just like, it'll happen again. So, like there's actually no impact on anything. And you don't seem to give a. If we're being honest, Gambling toys, you name it doesn't matter. Taking 30 minute shits in my bathroom. It doesn't matter.

[Bo]

We weren't supposed to know about that part. I actually did mention that to her that you had just. Well, one episode I was just watching, somebody did blow it up and I was like, that's one thing I don't want to do.

[Caleb Hammer]

And then you. I didn't go in this time, but

[Bo]

she took forever to get ready this morning, so I wasn't able to do it.

[Caleb Hammer]

And then you took. That doesn't make any sense. Smoke her out, dude, with your shit.

[Bo]

He did I shit on a whole separate floor at the house.

[Caleb Hammer]

Yeah, listen. Okay, dude, we get away from my point. Yeah, you don't give a.

[Ashley]

No, we had this argument and you

[Caleb Hammer]

don't seem to give a either because you blow up once and then you just don't care until it happens again.

[Ashley]

I think I just run out of energy sometimes.

[Bo]

There's a lot of hindsight. 2020, dude, but you do it every few months.

[Caleb Hammer]

So, like, what are you talking about? And you're gambling like every day or at least every game.

[Bo]

Yeah, but I. I win on that every single time.

[Caleb Hammer]

You've never had a loss?

[Bo]

No, I did not say that. I'm saying overall, I have a. I

[Caleb Hammer]

have a. I don't even know.

[Bo]

I have a list. My entire casino career, I have a list of it.

[Caleb Hammer]

You said casinos you do not do well on.

[Bo]

Not casino career. My sports betting career. I have a list of the entire career right now.

[Ashley]

And the only thing he writes down as far as a budget.

[Bo]

Oh, and. And I'm up 7,000 in college football. And I'm sense since 2020, dude, imagine

[Caleb Hammer]

how much more money if that energy was spent somewhere else. Imagine how much more money you would have made if that money was invested in the market since 2020, where the S P500 is up like 70%.

[Bo]

Be a decent little chunk of change.

[Caleb Hammer]

Yeah, great chunk of change. Okay, so 7,000 on sports betting. But what about your kid? Because, you know, with gambling, all it takes is that 7,000 can go away in like.

[Bo]

Well, it does on Sunday when I don't do well in the NFL.

[Caleb Hammer]

And what's your NFL record?

[Bo]

Minus 2000.

[Caleb Hammer]

Yeah, I'd like to bet 100 bucks. You want to pick a team? No, just take it. Exactly. So Nat. Five.

[Bo]

Yeah.

[Caleb Hammer]

You've made $5,000 in literally six years.

[Bo]

It could be.

[Caleb Hammer]

That's. That's nothing.

[Bo]

I could be down 30,000.

[Caleb Hammer]

Well, that would be horrendous. And you also still wouldn't care and you would do nothing about it. So I just don't understand what the future of this relationship looks like and the future of the finances because neither of you seem to care enough to do anything. You care in the moment, in one moment of a conversation, but after that conversation, it's nothing.

[Bo]

Well, that's why nothing. That's. When I applied to the show was when we had the kid. I was like, I really gotta get it together in some kind of way.

[Caleb Hammer]

Well, you know, she was pregnant for quite a few months before that.

[Bo]

Why did you take birthing? I didn't see him.

[Caleb Hammer]

Are you. What is wrong with you? What are you talking about? That is so stupid. You're about to be a father, dude.

[Bo]

I am now. But I didn't real. I don't think I came to realization that I was about to be a father until I was a father.

[Caleb Hammer]

So selfish, though. This is a life that is not consenting to come into the world that you need to take care of because it was your choice.

[Bo]

He's very well loved and provided for.

[Caleb Hammer]

Loved is different from having a good, successful future. Gambling has an easy way of throwing everything into chaos. Gambling has an easy way of taking all the money we have and throwing it to zero and getting laid off in hospitality which you've already been experienced through. Who knows when the next emergency might happen.

[Bo]

And that's when I. That's why I stopped at the casino, because I wasn't doing very well.

[Caleb Hammer]

It's not just about that, buddy. You'll probably have a better return on your investment across the board just paid off 30% interest debt you're already getting garnished for. Who knows why? We'll find out soon. But at that point, that is a better return on your money than any kind of gambling win. Unless you get like a. No, we're not even going to talk about. Never mind. We talk about gambling or you can make a lot of money. No, it's not even about that.

[Bo]

I almost won $130,000.

[Caleb Hammer]

Well, there you go. See, that's the thing.

[Bo]

Oh, hell yeah. Let it ride.

[Caleb Hammer]

Let Red too. Red, you lose. Listen, this is what your child will have to deal with. This is what I dealt with when I grow. Was growing up, you guys made, well, more money, amount of money when you had your first kid than When I was born. But dude, I mean I grew up in a house full of credit card debt. It's not good. Makes it hard to pay for college, makes it hard to pay for bills. You see the stress, you see the conversations. You want your kid to see the blow ups that happen when all. Because you just bottle in and both. You just bottle in and you don't do any action, you don't do any conversations until it completely just blows up and you don't give a. Your kid's gonna see that and grow up with that. That's what you want. So. No. That's why you change shit while she's pregnant.

[Ashley]

I think the root of the problem is I don't know it. I don't see it and I don't know it. Cause we don't have a joint account.

[Caleb Hammer]

Why?

[Ashley]

We honestly we just haven't gone to it.

[Bo]

We're together, but we're not together together financially.

[Caleb Hammer]

Oh, that's nice to hear. When you have a kid.

[Ashley]

Not our relationship, the finances. Like his money. His money is mine and mine is his.

[Caleb Hammer]

Okay. You say you just haven't gotten to it. Is that what you say as well?

[Bo]

Yes.

[Caleb Hammer]

Too. Why does your guys future not matter where laziness is more important?

[Ashley]

I don't have an answer to that.

[Bo]

It's been good. I mean we've been getting better.

[Caleb 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 gonna force you to use it his way. That's not very personal. Finances. Rocket money, they got a lot of commercials but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block. Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you. For people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial Dollarwise.com link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for time. Get that $350 right now in your checking account. What do you mean, getting better? Listen, we're here. You told one of our producers that this was your best month of finances. You gave us the best month. And it's literally horrendously disgusting in every way whatsoever. We know how much money comes in. It is good money. How much money went out this month? What was your outflow? Inflow is good as usual with you guys. You have a good income. Your income is not your issue, that's for sure. What was your outflow? Doesn't even include, by the way, the garnishments that you face. But what do we think for this month? For January, the best month? You sent us what was considered the best month?

[Bo]

You first.

[Caleb Hammer]

I think it was.

[Ashley]

Well, I don't know. I do have a problem where I don't track anything. That was a question. What do you think this episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed sponsored Jobs to find the right people with the right skills fast. It's a simple way to make sure your listing is the first candidate. C. According to Indeed data, sponsored jobs have four times more applicants than non sponsored jobs. So go build your dream team today with Indeed. Get a 75 sponsor job credit@ Indeed.com podcast.

[Caleb Hammer]

Terms and conditions apply just based on your experience, your lived experience that month, which was last month, it looks like.

[Bo]

Honestly, this bill's everything.

[Caleb Hammer]

Everything. All outflow. Come on.

[Ashley]

I don't know. Probably a couple grand.

[Bo]

Two grand.

[Ashley]

No, more than that, I was about to say is our mortgage.

[Caleb Hammer]

So why'd you say a couple grand? That's two grand.

[Ashley]

Oh, a couple could be more than two.

[Bo]

We maybe comes a few together. So what you think went out?

[Ashley]

We definitely didn't spend our full paychecks. I'd say it's about 60% of what we brought in we probably put out.

[Caleb Hammer]

Where would the rest go?

[Ashley]

I have a savings account.

[Caleb Hammer]

Huh.

[Ashley]

So I put a lot of mine in my savings account.

[Bo]

To answer your question. I say nine times, but yeah.

[Caleb Hammer]

Not enough for your household, but yeah. Huh. Okay. Yeah, it was. It was. Let's see. I had it. 19,987.95.

[Ashley]

19,000. We spent in one month. See, this is my problem.

[Caleb Hammer]

I don't look what you consider to be your best month. The total income that happened because bo made literally four times what he says he makes was 12,985 is what came in. Maybe it was an extra paycheck month bonus.

[Bo]

No, that was because I just came off of work in an outage. So I made like. I think I made out. Yeah, it's over time.

[Caleb Hammer]

You made basically 13,000, but you still still spent 20,000.

[Ashley]

How the hell do we do that?

[Bo]

Part of that was total outflow. I put like 5,000 to a credit card.

[Ashley]

Oh, yeah, that aggravates me. So.

[Caleb Hammer]

Yeah, but. But net wouldn't be counted towards it if that wasn't immediately replenished.

[Bo]

Yeah, then I don't know.

[Ashley]

I'm actually shocked that we spent 19,000 in a month.

[Bo]

Oh, I wasn't.

[Caleb Hammer]

It's not just full spin. It's outflow across the board.

[Ashley]

But yeah, I. I don't know. I think I just. I pick my battles and I. We will argue, but then he says something to aggravate me, and then I say I'm done with the conversation and it moves on.

[Caleb Hammer]

But if this is considered a good month, what the is the rest of the months, Guys, you told our producers this was a good month.

[Bo]

It was. But part of that was because I did have a lot of inflow.

[Caleb Hammer]

So that's my concern with you guys is you only think about the income side. You do not think about anything after the income joint. No, we don't even think about that. Savings. No, it's just on your side a little.

[Bo]

She actually pays. She actually does get a little bit of saving savings.

[Caleb Hammer]

I know, but not enough for the entire household with what you guys. Expenses are. You guys stop at the income. That's it. You just look at the number that comes in and that's it. You don't care about what goes out after that. As long as the money that comes in is good, it doesn't matter what happens. Yeah, that's where people end up in situations that are worse than just being low incomers.

[Bo]

Everything's paid, so.

[Caleb Hammer]

Not necessarily. What do you mean you're getting garnished? You don't get garnished. Then why would money be going to debt before it hits your account? That's garnishment.

[Bo]

Because it's through. It's through the credit union that I work for, so they just take it straight out my check.

[Caleb Hammer]

Okay, well, we'll also see because anytime anyone says we pay our bills there's always like a late fee somewhere in here. There might be a little bit and we'll see then. Why would you say you pay your shit, dude?

[Bo]

Late isn't not paying, buddy.

[Caleb Hammer]

I'm literally being told you overdraft your checking account by like a thousand bucks a month.

[Bo]

Not this time, but I have in the past. That was last year. Not last year.

[Ashley]

Last year.

[Bo]

No, not last year. That was right before we sold the house.

[Ashley]

You overdrafted by a thousand dollars one month. I'm so over being on the dark side.

[Caleb Hammer]

Oh, Lindsay's telling me he actually hid that from you. I guess he found this out. Okay, so Lindsay had conversation with you guys and then she had a call the other night with him. He was blabbering. Blabbering? Sharing all these secrets. She only learned at the end that he was probably drunk just blabbering things that he doesn't even know what he's talking about.

[Bo]

He had to. I was pretty toast. I was pretty toasted.

[Caleb Hammer]

Did you even know?

[Ashley]

No, I wasn't home.

[Caleb Hammer]

No, you didn't even know that? That he literally was hiding all this overdrafts me right before marriage.

[Bo]

I was.

[Ashley]

Yeah, I didn't know any of that.

[Bo]

I didn't want to.

[Caleb Hammer]

And look at this. It seems like you honestly don't even give a. This is my concern. I don't. I think you guys are just not going to care to the grave. Just be in debt forever.

[Bo]

It all ended up working out.

[Caleb Hammer]

Oh, she just learned you were drunk once you ended up here. You told.

[Bo]

Yeah, we were in the green room.

[Caleb Hammer]

Why? Why are you just plastered blabber into Lindsay the truth.

[Bo]

I was about to go to a poker night.

[Caleb Hammer]

Poker night? Dude. What? Your entire life revolves around gambling and maybe now even drinking. Dude, it was 4pm Lindsay's telling me

[Ashley]

you can't drink when you want to. Pretty soon we're going to become this country.

[Bo]

It was the poker game was for five.

[Caleb Hammer]

No, he was you plastered at four?

[Bo]

Because I was doing work outside and my partner came over and we were. We were what? We were drinking it. We were drinking and playing with electricity.

[Ashley]

So Podna.

[Bo]

What is this?

[Ashley]

His friend. His friend. He. His friend came over to help him run electrical from the house to the shop and they hung out all day. I left with the baby.

[Caleb Hammer]

So let's get drunk. Playing with wires. That's the America I know.

[Ashley]

Yes.

[Bo]

Yes.

[Caleb Hammer]

With electricity.

[Bo]

Yes.

[Caleb Hammer]

Drunk.

[Bo]

Yeah.

[Caleb Hammer]

What's better than this? Guys being dudes surrounded by water.

[Bo]

Yeah, it was actually raining on us.

[Caleb Hammer]

You Know you have a child, right?

[Bo]

It was raining on it, so I wasn't watching the child.

[Caleb Hammer]

No. I want you to be alive for your child.

[Bo]

That's all good. Electricity ain't never hurt anybody.

[Caleb Hammer]

Yeah, historically, that's known to be true.

[Ashley]

No. So him and his friend. Him and his friend. His friend decided to say, let's throw a poker night at his end. Smart enough to say, I can't do that at my house. Do it at your house, because my wife will kill me. So they go to his house.

[Bo]

I'm so ready to start hosting at the house again.

[Ashley]

Then he called me, or I called him to ask him to please change the laundry. That's all I needed out of him. And then he started with. I could hear it in voice.

[Bo]

I did change the laundry.

[Ashley]

You did? You did. I could hear his voice that he'd been drinking. And I was like, you're like already sloshy. Slosh.

[Caleb Hammer]

And then at 4 is wild.

[Ashley]

Then he's like, I'm gonna go to poker. And I asked him to sound like.

[Bo]

You get drunk at 4 every day?

[Caleb Hammer]

What day of the week?

[Ashley]

Saturday.

[Caleb Hammer]

Okay, well, that is the best day.

[Bo]

Yeah.

[Caleb Hammer]

If you're gonna do it.

[Bo]

Y' all live right next to Texas.

[Caleb Hammer]

How'd you get there? Huh? Huh? Next to Texas What?

[Bo]

UT I should say. You ain't never tailgated at ut?

[Caleb Hammer]

I didn't go to ut.

[Bo]

You still never went out there? Oh, never mind. You're from Michigan. I'll take that back.

[Caleb Hammer]

I've been to a couple UT games, but I'm also not a drinker. I'm a wealth builder, an entrepreneur.

[Bo]

All right, I got nothing for that one.

[Caleb Hammer]

Okay. But. Well, I just don't like the taste, if I'm being completely honest. But how'd you get to the house then? After being sloshed at 4pm on a Saturday? Actually, if you were tailgating, that is when I would excuse it, but you were just literally playing with wires in the rain on water.

[Bo]

Well, I drove the side by side trespassing through the trails to get to my partner's house.

[Caleb Hammer]

Why do you say it like.

[Bo]

That's just what we say.

[Caleb Hammer]

Who?

[Bo]

Everyone.

[Caleb Hammer]

The five people that live in the swamp. Yeah.

[Bo]

You take the side by side, it's just a pirog through to buy you to your potter's house, a canoe.

[Caleb Hammer]

And you said the swamp people are only like on tv. You guys are those people. You just don't know it. I'm sorry, it's too normal to you. You drunk drove. You have a Kid.

[Bo]

Yeah, but this is through the trees.

[Caleb Hammer]

Isn't that even more dangerous? There's trees everywhere I go.

[Ashley]

This was an argument when he got home.

[Caleb Hammer]

Hey, guess what? You don't give a shit about anything. You get upset once, you never put your foot down and you have no spine. I'm not trying to blame you on the mistakes of his, but when have you ever advocated for yourself in any way? Just an exact moment, if it's something serious, you never hold anyone accountable. You're gonna let this child walk all over you, especially when he's a teenager?

[Bo]

I do say that.

[Caleb Hammer]

Well, yeah, because she does it with you, her adult teenager. This kid, he's gonna do something wrong. You're gonna be like, I don't like that. And then nothing else matters.

[Bo]

I'll be the disciplinarian.

[Caleb Hammer]

What? No. You're gonna get him drunk at 5? No.

[Bo]

Well, he does maybe a little.

[Caleb Hammer]

And you're not gonna do anything about it? Let's be honest. That is the state of this household.

[Ashley]

A lot of what comes out of his mouth is just utter shit. And I don't believe it.

[Caleb Hammer]

Great, so why don't you do anything and you're not believing.

[Ashley]

He just says shit. Just to get an arise. He posts.

[Bo]

You gotta say the most outlandish things. That way when you say small things, it's not as serious.

[Caleb Hammer]

What? Well, give me an example. Okay, so you drunk drove. What did you say?

[Bo]

Actually, no. She was mad at me when I got home, so she didn't really say anything to me.

[Caleb Hammer]

Put your life at risk while she was.

[Ashley]

No, he told me to be home by 11 because we had a flight to come here at.

[Caleb Hammer]

Oh, that's right, that was. You just had a kid.

[Ashley]

That flight was. He was hungover all day yesterday. And you know what? Sucks to suck. I. When he told me he was going to poker, I told him no. I said, do not go to poker. But the problem is he makes up his mind.

[Caleb Hammer]

It's weird to say no like you are his parents. That's a bit odd, but also just be a response. Just don't just get up, go to poker. Don't get a couple steps.

[Ashley]

Oh, that's not possible. No, the problem is when he has poker with his friends at somebody's house, it lasts till three in the morning because they play like three different games. They don't just play poker. They go and they get smashed and stay out until 3 in the morning. And then they all. All of them, all their little. All the little husbands all go back to their Wives at three in the morning and we're all pissed about it, but then they just continue to do it. So yeah, I guess we enable it.

[Caleb Hammer]

Well, that would be weird if you're against your husband having friends and hanging out with his friends. I'm not saying that, but I get it. If you have a big day the next day, just don't drink and go home a little early.

[Ashley]

And that's what he said.

[Bo]

Well, that wasn't the plan.

[Ashley]

Early.

[Bo]

The plan wasn't to get smashed, but it never is. Something happened.

[Ashley]

He said, I'll be home early.

[Caleb Hammer]

Drunk drove home as well.

[Ashley]

Yeah, at 1:00am through the trees.

[Bo]

I can only.

[Caleb Hammer]

What do you say? Through the trees. Like that is good.

[Bo]

Well, because I only hurt myself. I won't hurt other people.

[Caleb Hammer]

You are a father. It's not cute when you're that far.

[Bo]

Dude, that part's true. He gonna be. He gonna drive me in the future.

[Caleb Hammer]

That's a bit away.

[Bo]

That's what I used to do to my dad.

[Caleb Hammer]

Yeah, but it's a bit away. He was just born. Do you remember? Were you too drunk?

[Bo]

Honest? No, honestly, I was driving my dad home when I was like seven.

[Caleb Hammer]

Okay, that's still seven years away for you to kill yourself.

[Ashley]

Six weeks.

[Bo]

It'd be all right.

[Ashley]

See, that's the other thing. It'll be all right. It's always all right.

[Bo]

It'll be all right. It'll buff out.

[Caleb Hammer]

But that's not how this works. If you don't put any action into actually making it all right, nothing just happens. Well, there's consequences for actions.

[Bo]

I did. We stopped doing poker every weekend and now we're gonna switch to once a month.

[Caleb Hammer]

No, again, I'm not even against you having fun with your friends. But it' like. You're right. She's right. If you were traveling the next day and you had to do all this stuff and no one's against the having poker and fun with your friends. I'm not adv. Advocating for that. You would be kind of a horrible wife if you were against that. But you're not, cuz. Well, maybe. I don't know. But I'm against drunk driving. I don't think that is being a

[Bo]

nagging on the street. Yeah, that'd be horrible.

[Caleb Hammer]

Drunk driving anywhere that puts your life at risk.

[Bo]

That's true. But everything was fine and I had time. I do die that time. I do digress. I probably shouldn't have did that before flying out here, but. Well, we were playing with electricity and drinking and somebody and Somebody said, you.

[Caleb Hammer]

Why are you even playing with electricity? What even is that?

[Bo]

You just play with some wires and maybe somebody gets shocked, maybe somebody doesn't.

[Caleb Hammer]

But what are you doing with playing with wires? What's the desired outcome?

[Bo]

Oh, we were going to light up the shop and everything was going to be fine.

[Caleb Hammer]

You've just blown all your money, guys. Miscellaneous Bullshit alone was $3000. This is miscellaneous bullshit. It could be a video game, it could be a boat. It could be. It doesn't matter. Other large purchases, hard to know if their necessities are bullshit, was $8,000. That's practically your household income on a normal month. And that was only. That was only 40% of your spending. Was your normal household income was only 40 of your spending last month.

[Bo]

And this is the good month.

[Caleb Hammer]

And that's the good month. Like, what are we doing? What are we doing? 600 going out to eat on top of it all. Thousands upon thousands upon thousands upon thousands of hours of. I never want to hear that people don't do well in this country or people are struggling. You're right. People are right that the house of housing has gone up. But other than that, outside of that, guys, it's suspending on bullshit. That's all it is. And you guys are a prime example. The better people do, the worse they are in this country because they just spend twice what they earn extra.

[Bo]

That's been my problem. I. I have seen.

[Caleb Hammer]

Yeah, you've paid off debt before, and two years ago, three years ago, you got a golden coin from God, whatever the that is. He sold his house. Oh, is that what that is? He had a gold coin from God, he sold his house, made $50,000, used $40,000 to pay off all debt, and now we're back into $439,529,000 a day.

[Ashley]

Oh, it's because the house.

[Caleb Hammer]

430.

[Bo]

Yeah, it's part of the house.

[Caleb Hammer]

Yeah. 282,000 of that is the house. The rest of it is not house. Half of it is house of the $439,529.38. Half is the house. You guys are hundreds of thousands of dollars into bad debt. What is wrong with you? You're not struggling. You're not struggling. Guys, want to know something? The middle class is shrinking in this country. Did you know that? But you know what else is shrinking? The lower class as well. The upper class is completely blowing up.

[Bo]

Oh, we're trying to get to that.

[Caleb Hammer]

You guys are there, you guys are doing well. And that's inflation adjusted by the way. That is the class that is growing is the higher income earners. Middle class and low class are both shrinking low class faster than middle class. You guys are doing incredible yet hundreds of thousands of dollars in bad unnecessary debt. That is just stupid. For fun you guys have. It's not the system. It's not anything. It's you guys. It's your choice.

[Bo]

Well, that's why I'm here.

[Caleb Hammer]

Median household income in Your area is $53,729. You make 200 and you guys are worse off than someone making $30,000.

[Bo]

I'm not arguing that point.

[Caleb Hammer]

I know it's nothing to argue against. You guys have broken it. You guys have broken this relationship in marriage and neither of you are willing to have a backbone. You against yourself and you against him. Like what are we doing? And your conversations make no sense. And blow ups here and there after bottling it up. It's nothing. It's not productive. And you hold each other accountable in no way whatsoever. Through the blow ups, what do we think the household financial score is? 0 to 10? 0 being the worst, 10 being the best?

[Ashley]

We're on. We're down. I'd say 2.

[Bo]

I'm actually shocked you said that much. I would say it's a three.

[Caleb Hammer]

If you want to see where you stand in the world of finances, take the assessment@caleb hammer.com it is free and it just takes a few minutes. You can see where you suck, where you need to do better, how you need to do better and where you're already doing pretty good again. That is caleb hammer.com link below. It is free and if you don't want to be like a guest who ends up in the show, make sure you download the Dollar Wise Budgeting app. It is the budgeting app of the future. It is made by people like you for people like you of those private equity funds like Monarch and bullshit like that where they just collect your information. Trust me, this is the best budgeting app. New features being added every single month. Started free trial at Dollarwise app link in the description below. Most people take the annual version once they actually sign up and they use it and they decide they like it because it saves you 50% and only through the end of March. I will personally sign my Budget Friendly cookbook of which you guys need to use after this most likely and mail it directly to you. Check that out. Dollarwise app calebhaber.com all that is linked in the description below we got again in these documents because this Is gonna take forever.

[Bo]

She's gonna need that cookbook. I'm the one that does all the cooking in the house. You can't cook cookies.

[Caleb Hammer]

Really?

[Bo]

Yeah.

[Caleb Hammer]

What the. You do?

[Bo]

I actually cook a lot.

[Caleb Hammer]

Oh, no, you work in communities. That's right. Okay, sorry, I forgot.

[Bo]

She don't wanna learn how to cook. It's not just that.

[Caleb Hammer]

Are you okay with being the cook?

[Bo]

I'm okay with being.

[Caleb Hammer]

Well, there we go. It doesn't matter then, does it?

[Bo]

Every now and again, I like to cook.

[Caleb Hammer]

My girlfriend cooks, but she doesn't want me to cook and I don't want to cook, so who cares? I just do the dishes. That. Okay.

[Ashley]

Do you scare skate with me?

[Bo]

You don't do the dishes.

[Ashley]

You do clean the kitchen.

[Caleb Hammer]

What do you do around the house? Okay, now you take care of the

[Bo]

kid, but before that, every other inch of the house she takes care of. I'll give her that.

[Ashley]

Okay.

[Bo]

And she takes care of her second child. Me.

[Caleb Hammer]

Good. Every other inch of that as well.

[Ashley]

Yeah, no, the kitchen is his area. He cooks it, he destroys it. He cleans it.

[Caleb Hammer]

Okay.

[Ashley]

When he doesn't clean it.

[Caleb Hammer]

Well, if you're both okay with it, it doesn't matter. It's up to the couple.

[Ashley]

But, yeah, everything else. I will literally take care of everything else.

[Caleb Hammer]

Okay? I'm not complaining. So discover it. What's going on with this card?

[Bo]

Which one?

[Ashley]

Whose card is that?

[Caleb Hammer]

I don't know. Because we blacked out real names. Who has a $10,410.80 balance that. This is you. After going completely debt free a few years ago, you now have a $10,000 credit card. Would discover it. What is wrong with you? Beau, what are you doing?

[Bo]

I don't know. That's more just steady growing.

[Caleb Hammer]

That's steady growing. Why? Why? Why? Why aren't you doing anything, especially in preparation for kid? Because kid was either just born or right before born at the time of this statement.

[Bo]

Well, I usually. I usually like to pay more than my minimum, and I.

[Caleb Hammer]

Let's see. Is that true? Okay, he paid a couple dollars more than his minimum, and then he purchased on a completely negating the entire thing while interest is occurring. Okay, so what the are we talking about, dude?

[Bo]

I mean, sometimes my debit card don't work, so I just add a little bit more to the credit card.

[Caleb Hammer]

Why wouldn't your debit card work, Bo?

[Bo]

Because.

[Caleb Hammer]

Why would that be a thing?

[Bo]

Because it's a piece of crap and it breaks all the time, that's why.

[Caleb Hammer]

Not because you're overdrafting. Not because you're being a piece of shit that doesn't have money and can't control his spending to save his life.

[Bo]

Every now and again it's that.

[Caleb Hammer]

But I would think it's that more than your credit card debit card breaks.

[Bo]

It does break a lot though. I have to get it.

[Caleb Hammer]

Why is it breaking? What's he doing?

[Bo]

I have no clue. Too much?

[Caleb Hammer]

Yeah. What the is wrong with you? What are you doing? What are you spending on on here? Huh?

[Bo]

What are you getting on Discover? It's probably a lot of vending machine.

[Caleb Hammer]

Vending machine? Why? What are you even getting at the vending machine, dude?

[Bo]

Cokes. Energy drinks. Nice.

[Caleb Hammer]

Stop. Stop. Listen.

[Bo]

But this is good. People gave it to me. It is.

[Caleb Hammer]

That's gamer subs. Listen, here it is. You get free samples. They got goony names. But listen, they are literally incredible tasting. Everyone in the comments agrees. These are free samples. You guys can get free samples. Code Caleb at their website link in the description below. But that the fact is, once you order the flavor that you like, it is 40 cents a serving. You just make your energy drink at home in one of these.

[Bo]

I need a salad though.

[Caleb Hammer]

That's it? No, that's fine. Well, there's the hydration version without energy as well. And you can do half and half for low energy, but instead of five bucks, four bucks an energy drink, 40 cents. Just like making your coffee at home. Dude, you gotta be smart about this. And you honestly shouldn't even have to worry about the at home versus not. That's not just for people on a budget. It actually does taste good, but it's like you shouldn't even have to worry about whether or not it's 40 cents a serving or $4 because you make good money. But you it all.

[Bo]

I need to stop it in general. My doctor just told me. Yeah, but because I take Adderall too and.

[Caleb Hammer]

Oh, so your heart's going like fluttering.

[Bo]

Yeah, I got a pain in my chest. And she.

[Caleb Hammer]

Well, yeah, if you're taking Adderall and chugging energy drinks. What the do you think's going on, dude?

[Bo]

Yeah, they did an EKG on me the other day.

[Caleb Hammer]

Yeah, Adderall is like the top.

[Bo]

They said I had the best heart on the face of the earth. So we're good then.

[Caleb Hammer]

Why would they say stop drinking energy drinks?

[Bo]

I don't know. Well, she said I was stupid for doing it, but then they measured my heart and they were like, your heart's fine.

[Caleb Hammer]

Hey, Ashley, how long do you think this takes for him to pay off his card. If he only does minimum, minimum monthly payment, which is probably all that can be afforded. And if he doesn't purchase, how long

[Ashley]

it'll take to pay that off? It'll be over a year.

[Caleb Hammer]

Yes, it would be over a year. In fact, your child will be 29 years old.

[Bo]

Five years.

[Ashley]

It's like a car.

[Caleb Hammer]

29. I just said 29. Your child will be 29 years old

[Ashley]

at $200 a month.

[Caleb Hammer]

You guys will be turning 60. In fact, a year before this is paid off, you guys will actually be able to pull from your tax advantaged retirement accounts. That's how old you guys will be. And this will just be getting paid off if no purchases are made. And we know purchases are made. Hundreds accruing in interest. Oh my goodness. It is. It really is. Five star breakfast. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Amazon Energy drink. Energy Dr. What the. Dude, what the. That's insane. At least buy in bulk instead of these purchases for 2 bucks a pop. Again, 40 cents a serving for gamer subs. But either way, at least buy in bulk if you need the can. Costco, Sam's Club.

[Bo]

That's too far from us. We live way out in the bayou.

[Caleb Hammer]

Well stop. Live in civilization with the rest of us where there's things that make your life better. Dude, what the is this? Thousand bucks charged in interest last year. Thousand bucks gone.

[Bo]

Was that much.

[Caleb Hammer]

It was that much a vending machine. Yes, it was. Absolutely. You better believe it.

[Bo]

I didn't know that.

[Caleb Hammer]

Well, now you do. And you just it up cause you don't care. Why not look at your accounts? You would know that if you looked at your accounts. Why don't you look at your accounts?

[Bo]

The first time I looked at the accounts was when I was putting them in to the show. And then that's when I realized why.

[Caleb Hammer]

Why? I wanna. I wanna know why in your brain, why have you never actually just taken a second to just look?

[Bo]

Because the money always comes in.

[Caleb Hammer]

For now. You've never lived through a real recession. You had a Covid blip, but that was it. You've never had a real recession. I think during the Biden administration there was technically 2/4 of GDP decline, but immediately the third quarter had GDP growth. So it was like the little briefest micro recession ever.

[Bo]

People always need power.

[Caleb Hammer]

Yes, but nuclear is a controversial one. For stupid reasons. But it's still controversial. You ever just sit in a meeting where someone says we should use AI and suddenly everyone's nodding like they know what that means. Meanwhile, your competitors are already doing it and doing it a lot better than you. But you don't have to guess anymore. NetSuite by Oracle is the number one AI powered Cloud ERP trusted by over 43,000 businesses. And it's not just some Frankenstein bolt on either. It is AI built into your business's backbone, financials, hr, inventory, CRM all connected in one place. Unified Data is what makes the AI actually smart. It automates boring tasks, gives you real insights, and helps you make fast, confident decisions that save money. And with the new Nest Suite AI connector, you can plug in your favorite AI and ask real questions like who are my top customers? Or how much cash do we actually have on hand? Then automate what use to take take hours. If I was running a business that was pulling in seven figures or more, this is exactly what I'd use. So grab the free guide demystifying AI at netsuite.com/ that is netsuite.com hammer let's get back to the show. You ever check the interest your savings account is earning and just feel insulted? Like, why is my money working less than I did in high school? Most big banks are offering 0.39% APY right now. That means if you've got five grand in savings, you're earning maybe 20 bucks. $20 after a year? Cool. That's almost enough to buy an oil change in 2008. But with Time's High Yield Savings Account, you earn up to 3% APY. That is around $150 on the same 5,000. I use it to stash my emergency fund because I want my money growing, not collecting dust. And if something hits the fan, I can still access it instantly. No lockups, no penalties, no secret handshake required. It just takes a few minutes to sign up. And there are no monthly fees or minimum balance nonsense. So you keep more of your money, which, last checked, was kind of the whole point of saving. And Chime makes saving easy. You can set up automatic savings tools like rounding up purchases to the nearest dollar or sending the difference into savings, or split your paycheck and set a portion straight to the High Yield Savings Account every payday. And if that's not enough, you can get up to a $350 bonus when you open a new Time Checking account exclusively through my link. So just head to time.comforward/caleb hammer, or scan the QR code on screen, or click the link in the description below to start saving smarter today. Hey, let's get back to the show.

[Bo]

Yeah, but I can leave nuclear today and still make a shit ton of money.

[Caleb Hammer]

Yes, potentially. Potentially. But she could. You could lose your half year household income.

[Bo]

That is correct. That part could happen.

[Caleb Hammer]

You're a little more job secure. Not completely recession proof, recession resistant.

[Bo]

It could be like tech where they. Where 40% gets lost in a year.

[Caleb Hammer]

Yes, it could be. It could be. Most of that was due to over hiring, but also a little bit of

[Bo]

AI and I can always make more money with overtime and outages and stuff like that.

[Caleb Hammer]

Not always. That confidence, that hubris. It'll f you the saying. Always confident. 100%. I'm sure. Yes, most likely sure.

[Bo]

Which I hate working overtime.

[Caleb Hammer]

But it is not perfect. 100%. No matter what. You never know what's gonna happen to you. What happens if you break your leg? Dude, what happens if you like. Yeah. What happens if you fall into the bayou, get your leg ripped off by an alligator? You never know what's gonna happen. You're not gonna be able to do that electrician job very well.

[Bo]

I still have my hands. We're good.

[Caleb Hammer]

Yeah, until you lose a hand running through the trees. Happened in Happy Gilmore Poker like it could happen in real life.

[Bo]

That was Chubbs. All right. Get your references. Right.

[Caleb Hammer]

It's true. All right, Bo, what's going on with Cabela's?

[Bo]

Same thing. Same exact thing.

[Caleb Hammer]

Why do you have no control?

[Bo]

That's a very good question.

[Caleb Hammer]

Why do you not care? Why do you not care about your wife and kid and their financial future? Their financial future, specifically. I know you love them, but why do you not care about their financial future?

[Bo]

I do care about their financial future. That's why we're gonna get all this straightened out. Don't flip. Are we?

[Caleb Hammer]

You're just saying it's gonna happen. It's just like. Well, that makes no sense. That is. That is what people say in the show when they try to get out of any kind of pushback about the reality of the situation. They say it's gonna be good. In what indication? It's only getting worse. It's only going downhill. And when people continue this trend, they lose their house, they lose their cars, they lose everything. They lose their family, they lose their marriage. That is not just a wild fantasy. That happens every single day. High income earners, low income earners, middle income earners. That is a reality.

[Bo]

It does happen. But I'm a lot more secure than a lot of people job wise.

[Caleb Hammer]

Again, recession resisted. Not proof. But it doesn't even matter. This isn't just about you. Half the income that pays for these bills are her and she is in the most this recession. Not proof at all.

[Bo]

We'll always figure it out.

[Caleb Hammer]

See, there's the cope. It's like, that's not an answer. People have had that same answer. We'll always figure it out. But they are losing their house today. They're losing their marriage today. They're struggling to put food on the table or pay the electricity bill today. And they always said, I'll figure it out. We'll figure it out. We've always figured it out. You've barely lived life. We're 30. We're not that young, guy. We're not that old. We're not that old. And we have not lived through a real recession. You don't know what it's like.

[Bo]

I got nothing.

[Caleb Hammer]

And you shouldn't. You just need to get your together. You literally put only 200 to this card where the minimum payment is 148, which you spent 643.81. You probably have no idea where this even went towards, did you? Nothing.

[Bo]

Don't flip the page.

[Caleb Hammer]

Well, why would I not flip the page? Dude, you had $40 of fees. I'm guessing that's about to be a late fee, asshole. And then $92.97 of interest. 21 years to pay off 21. Your kid will be legally drinking. So this. Apple Bills. Apple Bills. Okay.

[Bo]

Oh, that is.

[Caleb Hammer]

Pull up your phone. Pull up your phone. Let me see your subscriptions.

[Bo]

That is where past two feet.

[Caleb Hammer]

Give me, give me now.

[Bo]

What you want to see?

[Caleb Hammer]

Give me your phone. Oh, I know how to navigate the world of iPhone. Starting a screen recording, blacking out your name, say you.

[Ashley]

It's his mom.

[Caleb Hammer]

Oh, yeah.

[Bo]

I'm still under my mom's account for the phone.

[Caleb Hammer]

Do you have every subscription known to.

[Bo]

I did cancel a bunch.

[Caleb Hammer]

Hold on.

[Ashley]

If Tinder's on there, it's not.

[Caleb Hammer]

Why do you have Tinder Premium?

[Bo]

I realized that whenever I applied to the show. Yeah, I was paying.

[Caleb Hammer]

Oh, yeah.

[Bo]

No, there's like at least seven things that I'd been paying the last three years for that I had to cancel. I canceled a lot of things.

[Caleb Hammer]

Tinder Premium. While being married, while wife was pregnant. Gotta stick it in something, huh?

[Bo]

Hey, don't worry. What we do on Sundays is our business.

[Caleb Hammer]

Sunday's dedicated day.

[Bo]

Oh, damn.

[Caleb Hammer]

Maybe you called it out. I don't know.

[Bo]

Who knows?

[Caleb Hammer]

We're confident that there has been no infidelity this entire relationship.

[Ashley]

Very confident.

[Bo]

Yeah. Well, I don't know about her. She might. Who knows?

[Ashley]

He didn't even have the app. He was just paying for it.

[Caleb Hammer]

Uh huh. Didn't have the app.

[Ashley]

I don't know. What's your skeleton?

[Caleb Hammer]

It's so easy to delete an app. Are you kidding me?

[Ashley]

No, don't look at me like that. It's your phone, your subscription, and your app.

[Caleb Hammer]

What if we redownloaded it right now and he logged in with his Apple ID? What's the most recent message we'd see?

[Bo]

Probably 2019.

[Ashley]

Interesting.

[Caleb Hammer]

So there's financial infidelity in every moment of our life. We don't think there'd be real sexual infidelity.

[Bo]

Well, there is definitely a lot of financial infidelity, but yeah, I mean, you

[Caleb Hammer]

guys hide things behind each other. Well, mostly you hide things behind her back. Like permanent. It's almost like a hobby of yours.

[Bo]

Well, you gotta be some infidelity. So that's why we do the financial ones.

[Caleb Hammer]

Well, that must be good to hear.

[Bo]

Yeah, can't be perfect.

[Caleb Hammer]

Along with GPS tracker. GPS tracker. Two of the same subscriptions.

[Bo]

I told you, I deleted a bunch of us. That's the other thing I think we pay for multiple live.

[Caleb Hammer]

Hbo, three of the Hunt app. Three of the same app.

[Bo]

I told you, I canceled a bunch of stuff.

[Caleb Hammer]

No, those aren't even canceled.

[Bo]

Oh, I've been paying that for years.

[Caleb Hammer]

They're not even expiring. They're not even set to cancellation.

[Bo]

Oh, go ahead and cancel it.

[Caleb Hammer]

Photo vault calculator. That's my radar.

[Bo]

That's my beautiful wife.

[Caleb Hammer]

Dude, what are we doing? What, that Tinder doesn't send red flags in the back of your head?

[Ashley]

No, because we've talked about it before.

[Caleb Hammer]

Huh?

[Ashley]

We've talked about it.

[Caleb Hammer]

What do you mean you've talked about it?

[Bo]

When we went to the show and

[Caleb Hammer]

I said this is when it was gonna come up.

[Ashley]

Yeah, through the subscriptions. When we know.

[Caleb Hammer]

Yeah, when you knew it was gonna come up on a show.

[Ashley]

We talked about everything because we.

[Bo]

I don't even know how to get to my subscription. So when I applied, there was a lot of things that I was like.

[Caleb Hammer]

And we're relying on you to not allow a nuclear leak to happen. Radiation leak. That makes me feel great.

[Bo]

I'm actually one of the most. One of the more important people to make sure that does.

[Caleb Hammer]

What did you get on calebhammer.com for?

[Bo]

What do you mean? For the score.

[Caleb Hammer]

Yep. No, what did you get? You purchased.

[Bo]

Oh, dollar wise.

[Caleb Hammer]

Okay, you guys get it for free. Obviously. Going forward.

[Ashley]

So we'll.

[Caleb Hammer]

We'll make sure to refund that.

[Bo]

That's part of why I can appreciate that I downloaded dollar wise. And then I was like, this is ridiculous. And I applied to the show.

[Caleb Hammer]

Yeah, yeah, yeah. So it showed you your for the

[Bo]

first time and you're like, that was the thing. I was going to plug stuff in. And I was like, this is horrible.

[Caleb Hammer]

I was. That app. It's incredible. Okay, so here's the photo vault that you're paying for.

[Bo]

Oh.

[Caleb Hammer]

Oh, can I say that, Lindsay? What you typed. Oh, Brandon typed it. First of all, that's weird, but Brandon typed I used that app to hide old nudes when I was in a relationship. For real? For real.

[Bo]

Not me.

[Ashley]

No, he said that.

[Bo]

Oh, he said that.

[Ashley]

Yeah.

[Caleb Hammer]

And Tinder.

[Bo]

She's seen the vault.

[Ashley]

The vault is me.

[Bo]

Oh, well, we had.

[Caleb Hammer]

What's wrong with the hidden folders?

[Bo]

We had a. Cuz people can get to that.

[Caleb Hammer]

Hidden folders. It requires your face.

[Bo]

I don't know how to do all that.

[Caleb Hammer]

It's a hidden folder. What do you.

[Bo]

What, like, through the camera for?

[Caleb Hammer]

No. Radiation leak.

[Bo]

I don't do tech.

[Caleb Hammer]

Are we sure there's not a radiation leak just flowing through Louisiana? And this is why everyone says it's

[Bo]

probably going all to my brain. And that's why.

[Caleb Hammer]

Yes, that's what I saying, dude. So people used to hide nudes and Tinder at the same time?

[Bo]

You can.

[Caleb Hammer]

While he goes on four Bachelor Part 5 Bachelor Parties last year and blows 10,000 hours. Guarantee a stripper sucked his dick. Guaranteed. No way.

[Bo]

They weren't my bachelor parties.

[Caleb Hammer]

And we're doing that to Mark. Mark. Very excited. Very excited.

[Bo]

Where y' all going?

[Caleb Hammer]

Strip club.

[Bo]

Nice. Here.

[Caleb Hammer]

Y' all don't want to get out, huh?

[Bo]

Y' all don't want to get out?

[Caleb Hammer]

Well, it's just like a casual Friday night. We're just getting Marc a laugh. No, Mark just needs to see some titties. He just never. He doesn't.

[Bo]

He doesn't get that I actually have a bachelor trip next month too.

[Caleb Hammer]

Of course you do. So you. And you don't think anything is happening. Everybody's trips. 10,000 hours. 10,000 hours.

[Bo]

I'm very cheap.

[Ashley]

I also went on like, five Bachelorette trips last year.

[Caleb Hammer]

Yeah, but you are not the untrustworthy one here, lady. Okay, first of all, this person's hot. Can we just talk about it?

[Bo]

What do I got?

[Caleb Hammer]

Well, she's a. Okay, her first picture is really hot.

[Bo]

What's the next?

[Caleb Hammer]

Pictures are pretty. Okay, 2019 10, 7. 2019. When did you all meet?

[Ashley]

When did we meet?

[Caleb Hammer]

Is this how he. This is why no. No one responded. This is five people in a row. Hey there, darling.

[Ashley]

That is how he speaks.

[Bo]

I also got her

[Caleb Hammer]

and none of them responded. Sadie did give you a hey.

[Ashley]

When?

[Bo]

All right. That much.

[Caleb Hammer]

Sadie's not it. I understand why you didn't respond. Oh, okay. Yeah. Well, okay.

[Ashley]

Yeah, it was after that. We got. We didn't get together until 2020.

[Bo]

Pass the test. Okay, Good to go.

[Caleb Hammer]

Pass the test. Oh, you know. Okay, Nice. Good. Well done. I appreciate that. I appreciate it.

[Bo]

I'm just stupid. And I paid for.

[Caleb Hammer]

That's why you had a past due fee on Cabela's that last month. And you've had three. You had three last year in 2025

[Bo]

and paying for Tinder for the last seven years without being on it.

[Caleb Hammer]

Yeah, that's three late fees on his Cabela card last year in 2025.

[Ashley]

That's because he refuses to do like an auto draft, like I. What I do.

[Caleb Hammer]

You also refuse to hold him accountable or call out anything.

[Ashley]

I'd love to keep all of this whenever we leave here because. Yeah, I mean, to me, this is my. This is my problem. That I will own up. That I don't. I don't mother him. I don't micromanage.

[Caleb Hammer]

You don't need to mother and be.

[Ashley]

I don't look at anything.

[Caleb Hammer]

You just need to hold each other accountable and have conversations and look through your finances together and combine your accounts like adults.

[Ashley]

Yeah.

[Caleb Hammer]

No one's asking for you to mother him. That'll probably push him further away and make him even worse.

[Ashley]

Correct.

[Bo]

But I probably deserve it. So what am I seeing?

[Caleb Hammer]

What have I even seen here? What is this? This is a mess.

[Bo]

Yeah, I didn't really like the way it pulled stuff up because. What is it you couldn't. That's a personal loan.

[Ashley]

Oh.

[Caleb Hammer]

Why do you have a personal loan? So this is you again, Bo.

[Bo]

Yeah, this is me.

[Caleb Hammer]

Why do you have a personal loan

[Bo]

to buy two trucks.

[Caleb Hammer]

Two.

[Bo]

So there's. So we were gonna remodel the house and so I couldn't make any big purchases at the time.

[Caleb Hammer]

Oh, for sake. Truck.

[Bo]

So I couldn't. I didn't want to buy a seventy thousand dollar truck. And then it kind of screwed the loan process for the house.

[Caleb Hammer]

So about what you want to do

[Bo]

regardless, I needed a truck.

[Caleb Hammer]

Did you need two?

[Bo]

Why have one good truck when you can have two okay ones? And actually one's a classic truck. Is nice I love it.

[Ashley]

Yeah.

[Caleb Hammer]

Yeah. You don't give a. Okay, well, that's as clear as day. So you guys. Two trucks on this one.

[Bo]

One's nice.

[Caleb Hammer]

So you got two trucks at 11.24 interest.

[Bo]

That part's probably not.

[Caleb Hammer]

That's horrendous in your minimum payment is 247.31. 94 payments left. 94?

[Bo]

Yeah. That was like a few months ago.

[Caleb Hammer]

That's insanity.

[Bo]

I didn't want to buy it.

[Caleb Hammer]

94 payments is insanity.

[Bo]

I didn't want to buy a truck until now, but the other one blew up, so that's what happened.

[Caleb Hammer]

Literally eight years. Eight years? When did you get this?

[Bo]

August.

[Caleb Hammer]

So a nine year loan? You took out a nine year personal loan for two trucks? What the are we doing?

[Bo]

I didn't think it was nine years.

[Caleb Hammer]

You're pressuring him to get a new truck right now?

[Ashley]

No.

[Caleb Hammer]

Why? Is Lindsay teaching?

[Ashley]

Oh, yeah, it was.

[Caleb Hammer]

Okay. What's this? What?

[Bo]

Because she died.

[Ashley]

I didn't want him to buy the two shitty trucks. I wanted to buy a new truck and just bite the bullet. Why do you need.

[Caleb Hammer]

Why. Why does it matter what kind of truck it is?

[Ashley]

It doesn't matter what kind of truck it is, but.

[Caleb Hammer]

Then why are you doing this?

[Ashley]

Because the truck he bought was a piece of garbage that fell apart in Arkansas in the middle while he was up there.

[Caleb Hammer]

Why are you in Arkansas, you weirdo?

[Bo]

I was working it out. That's why. The income was a lot better.

[Ashley]

He bought a truck that barely moves down the street. So thus he bought the classic antique, whatever the shit it is truck so that he could have two. Because they both semi.

[Caleb Hammer]

Yeah. And this nice truck is worth $3,385.

[Bo]

No, that was the shitty one.

[Ashley]

That's a little beater.

[Bo]

Oh, you talking about Kelley Blue Book value? Yeah, because Kelly Blue Book just sees a truck with 300,000.

[Caleb Hammer]

Wait, which one is that? This? That's the GMC.

[Bo]

Okay. The GMC is the shit truck.

[Caleb Hammer]

Okay. The other one, it's like four to 10, depending because it's range. We don't have an exact.

[Bo]

It's a. It's a classic trick they actually sell for. If I put 5,000 in the interior, it's a $50,000 truck.

[Caleb Hammer]

Don't, don't, don't, don't. You don't know what you're doing, though.

[Bo]

I could sell it right now for probably about 15, 16.

[Caleb Hammer]

Pay off your debt, take care of your child.

[Bo]

Then I just have a shitty truck.

[Caleb Hammer]

Good.

[Bo]

That left me on three wheels. In Arkansas.

[Caleb Hammer]

Well, your fault, your problem. You chose to purchase it and now you have a nine year loan on it.

[Bo]

I didn't know I had a weirdo loan.

[Caleb Hammer]

Freak. What are you doing?

[Bo]

My credit union handled all that. They just said this is going to be the best one for you, so I went with that loan. It'll be paid off.

[Caleb Hammer]

As in they're making money off of you.

[Bo]

I'm probably gonna pay it off in like sales.

[Caleb Hammer]

Sales. What's the state of the truck? Can we use it?

[Bo]

Yeah, we use it. That's my back and forth to work.

[Caleb Hammer]

So you fixed it?

[Bo]

Yeah, I fixed it.

[Caleb Hammer]

Will it last? How long will it last?

[Bo]

That's debatable. That's highly.

[Caleb Hammer]

How long's your commute?

[Bo]

Oh, ten minutes. It's nothing.

[Caleb Hammer]

Okay.

[Bo]

And if it goes to shit, then I have the other truck.

[Caleb Hammer]

I have a loan on here with T. Rowe price.

[Bo]

That's a 401k loan.

[Caleb Hammer]

Why do you have a 401k loan, asshole? I'm assuming it's you.

[Bo]

Yeah, that's me.

[Caleb Hammer]

Why? Why would you even need this? You make so much money. Dick.

[Bo]

That was to remodel the house, which she.

[Caleb Hammer]

Oh, why a 401? Okay, let's not even think you're going to get laid off. If you choose to leave this job, that money becomes due.

[Bo]

I didn't know that until I was watching the show.

[Caleb Hammer]

That and your money's just not growing in the market. And markets are all times highs right now. You. You've lost that.

[Bo]

I didn't pull out of my 401.

[Caleb Hammer]

No, but it's not growing. That money's not growing, invested. You're only getting what you paid to yourself towards it. Which is, is not even close comparable to in terms of return.

[Bo]

I'm paying myself back at 8% and the market's like 7.

[Caleb Hammer]

What are you talking about?

[Bo]

Market's like 7 over.

[Caleb Hammer]

What are you talking about? No, it's not the market. What are you talking about, the market? When did you take this out?

[Bo]

August.

[Caleb Hammer]

Okay, since August.

[Bo]

Oh, the market did take a big jump recently.

[Caleb Hammer]

Okay, yeah, since August. It's up 10% since August alone. Okay, that is just 10. That is just since August. Year over year. It's up 15%. So you, you don't know what you're talking about. Plus it's risky because it'll become due. Oh, there's two. Wait, two what? Oh, there's another one, I think, right?

[Bo]

Not another 401k loan took out.

[Ashley]

Oh, oh, oh.

[Caleb Hammer]

The last loan that we just had you took it out in August, September, when she was pregnant. Just taking out loans. What? Dude, why can't you. Why can't you cash flow? Why can't you cash flow this? You guys make money.

[Bo]

Because I didn't have the cash.

[Caleb Hammer]

Yeah, but you could save for a couple months. And you could. If you weren't. If you weren't just absolutely horrendous with your money. You totally could.

[Bo]

That's a great question. No, we should have. Oh, my God.

[Caleb Hammer]

No behavior. You have no responsibility. No behavior.

[Bo]

But the two trucks are nice. Well, one truck's nice.

[Caleb Hammer]

And then what is this? Is this the next page of it or. Oh, it's 301amonth. And obviously that gets taken out before it hits your account. Debt to both parents. 10,000.

[Ashley]

What?

[Bo]

What?

[Caleb Hammer]

Why? When? How you.

[Bo]

So that was the down payment to take out to buy a lot that we didn't end up using. And now selling, by the way, you

[Caleb Hammer]

realize have only written down BO debt so far.

[Bo]

I knew that when we applied after.

[Caleb Hammer]

You were literally debt free three years ago. Asshole. And I have a wife and kids. So you're like, let me get up. Okay. 10,000. What are you thinking you're gonna sell this land for?

[Bo]

So when. Oh, for that. That's probably gonna be sold for 95,000.

[Caleb Hammer]

You bought it for 10?

[Bo]

Bought it for 99.

[Ashley]

Huh?

[Bo]

Oh, no, that was the down. 10 was a down payment.

[Caleb Hammer]

Oh. What's your equity position in this lot? Even so, after fees and everything, you might lose.

[Bo]

It's. I might lose? Probably just a little bit.

[Caleb Hammer]

You're using a realtor and like that.

[Bo]

Yes.

[Caleb Hammer]

Okay, so there's 6% and then transaction fees and whatnot. Closing fees, all that good stuff. Mostly on the buyer, but still some on yours.

[Ashley]

Yeah.

[Caleb Hammer]

Oh, for sake. What was the purchase price of the lot?

[Bo]

99.

[Caleb Hammer]

And you're selling it for 99.

[Bo]

I have it up for sale for 99.

[Caleb Hammer]

You're gonna lose money. Me and my entire life. Type in the address. I know. It's a keyboard. It's scary.

[Bo]

I know it is. And I don't remember the address, but.

[Caleb Hammer]

Well, there's a lot that you own. Are you guys near it?

[Ashley]

Yeah. Yeah.

[Bo]

Five minutes away.

[Ashley]

180.

[Caleb Hammer]

Why are you selling? Why'd you get it?

[Bo]

Because we were gonna.

[Ashley]

We bought it before we bought the house.

[Bo]

Yeah. So we were gonna build a house there. So what. What actually happened was it was a childhood. There was a childhood friend's house that I've been on for, like, the last. I don't know, maybe like 10 years or whatever. And they finally, because they said when all their kids graduated, they would sell the house. And I wanted to get it from them, but like the last kid graduated and they were like, eh, we don't think we're gonna sell anymore. So. And this is part of the impulsivity thing, by the way.

[Caleb Hammer]

The fact that a lot of land near you guys is only a hundred thousand dollars just shows how much no one wants to live there.

[Bo]

It's a good bit of land. But anyway.

[Caleb Hammer]

For a hundred thousand hours. No, it's not.

[Bo]

But anyway, so the market says no. So a week after she said we weren't going to sell, then I bought that lot. And then three weeks later they said, oh, we're going to sell.

[Caleb Hammer]

So price cut 7092. You have it listed for 92 right now. You bought it for 99.

[Bo]

Tax grant to drop it.

[Caleb Hammer]

He doesn't even know. Did you even know?

[Ashley]

Yeah, I knew that it came down.

[Caleb Hammer]

What are you doing? You're gonna write a check to close this?

[Bo]

Yeah. No.

[Caleb Hammer]

Yes. You are going to have to write a check at the end when you sell this.

[Bo]

I only owe 75 on it right now.

[Caleb Hammer]

Okay, Then you'll break even with that. But you still owe 10 to your parents.

[Bo]

Yeah. So whenever you have a minimum payment to them. No.

[Caleb Hammer]

Okay. You're not gonna have money to give to them once it's sold.

[Bo]

Well, if I saw what the even

[Caleb Hammer]

is this lot of land, It's a little grass patch in between two houses. What is this lot of land? When you say a lot of land, you're thinking like an actual, like, land. This is a couple blades of grass in between two houses with like, start building a house. And they stopped.

[Bo]

No, it got destroyed.

[Ashley]

Huh?

[Bo]

It is destroyed during Ida hurricane.

[Caleb Hammer]

Oh, my goodness. Yeah, exactly. Why would anyone want to live there? Guys, what are you doing? Why do you live in this place? Type in your address. Do you know your own address here? Yeah, I trust you.

[Bo]

You probably.

[Ashley]

I didn't.

[Caleb Hammer]

Should I.

[Bo]

You're probably not gonna be able to see it on that because there was a bunch of.

[Caleb Hammer]

Oh, Lindsay has the link. I'll take it.

[Bo]

Oh, it never. It never went on the market.

[Caleb Hammer]

I'll take it. I'll take it, I'll take it, I'll take it. Lindsay gots the link.

[Ashley]

You are.

[Bo]

I can show you that.

[Caleb Hammer]

Listen, if you're getting destroyed in hurricanes and all the. All the lots around you are like a couple hundred thousand dollars. It's like, what do we even do doing what are we? What are we. What are we what? What are we doing?

[Bo]

Loving life. Living life.

[Caleb Hammer]

Apparently not. Next time the hurricane happens. You guys got lucky this last year.

[Ashley]

This is for Yalls main house, right? Yeah.

[Bo]

What you want to see?

[Caleb Hammer]

This is what you remodeled. I mean. No, it's great.

[Bo]

We just did the. We just redid the bathroom. That's it so far. We plan on redoing the whole thing.

[Caleb Hammer]

It really is a hurricane house, isn't it? Everything's like.

[Bo]

You actually see it on there.

[Caleb Hammer]

Yeah.

[Bo]

Oh, okay.

[Ashley]

It's a. Yeah. It's a raised house on pylons. It has a built in like apartment downstairs.

[Bo]

I'm not looking for it. You screwed my whole phone up.

[Caleb Hammer]

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[Ashley]

What are you looking for?

[Bo]

I was looking for the albums.

[Caleb Hammer]

Guys.

[Bo]

There we go.

[Caleb Hammer]

Just like. Guys, this is. I. I thought. I thought maybe. Yeah, I was expecting something nice, I mean. No, no, it's fine. I was just expecting something like on the water and.

[Ashley]

The water.

[Bo]

We're trying to buy the land behind us and we'll get to the water.

[Caleb Hammer]

Stop with this land. You guys aren't land. You don't know land. Stop. Look what you just said. You're about to lose money on this land.

[Bo]

Well, as long as I get the down payment back from my parents, I'm fine.

[Caleb Hammer]

What? Back? But you're not. Objectively, no.

[Bo]

Sells for 92 and I only owe 75.

[Caleb Hammer]

Yeah, you already did a price cut, by the way. A substantial percentage price cut, which is not a good look. Meaning they're going to wait for more. Most likely you kind of that up.

[Bo]

No, I'm gonna stop it right there because I don't have to.

[Caleb Hammer]

Well, then you're really gonna get up and there. Someone's gonna lowball you, seeing how big of a percent you just took off first. Like I would have done it by 500 at a time, but even still, I mean, I know how responsible. Are you sure you're even gonna pay them back with the money? You saved up $3,000 for a dream wedding, but put it in a cave.

[Bo]

Hey. Hey. The bar.

[Caleb Hammer]

Close your eyes. Exhale.

[Ashley]

Feel your body relax.

[Caleb Hammer]

And let go of whatever you're carrying today.

[Ashley]

Well, I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I got them delivered free from 1 800, contacts. Oh, my gosh. They're so fast. And breathe. Oh, sorry.

[Caleb Hammer]

I almost couldn't breathe.

[Ashley]

When I saw the discount they gave me on my first order. Oh, sorry. Namaste.

[Caleb Hammer]

Visit 1-800-contacts.com today to save on your first order. 1-800-contacts.

[Bo]

That's awesome. I love the bar.

[Caleb Hammer]

Congratulations. She didn't get a wedding.

[Bo]

No, she got a wedding.

[Caleb Hammer]

Yeah, the dream wedding.

[Ashley]

Yeah, it was actually perfect. I loved every portion of our.

[Caleb Hammer]

Yeah, but you expected something else. That he took and went to the man cave. Come on.

[Ashley]

No, no.

[Bo]

The man cave is what made our groomsman picture so much better.

[Ashley]

No, what actually I guess I could say is that seemed to be his only priority when we moved in the house and we bought the house to renovate it. That was the only reason I agreed to buy.

[Caleb Hammer]

Everyone wants a man gave. It's fun.

[Ashley]

I love it.

[Caleb Hammer]

I'm not saying don't, but come on. If it was meant to be allocated to the wedding, that's very selfish. Everything seems very selfish of you guy

[Bo]

that wasn't supposed to be allocated to the wedding. That's what I build downstairs.

[Caleb Hammer]

It's cool. I'm not saying. It's just like I'm. It is very cool. Just like. I'm not saying you shouldn't do poker. I'm not saying that. It's. It's about priorities. Drunk driving's bad. That is not bad. It's actually very cool. I. You know, I would enjoy that myself.

[Bo]

Well done. Feel free to come by. I'll have alligator on a leash waiting for you. I'll tape his mouth. You'll be all right, Tape.

[Caleb Hammer]

I'm trusting tape for my life.

[Ashley]

Yeah.

[Caleb Hammer]

Sick. I'm sorry you're backing this.

[Ashley]

I agreed. No, but I'm not worried about alligators. What I am worried about is I'd

[Caleb Hammer]

be worried about hurricanes, honestly. Okay, who's discover it? Oh, we had another one. This means we're finally to you.

[Ashley]

Yeah, but let's stay on Bo for a second because I have one more thing for you.

[Caleb Hammer]

Okay. We've been on Bo for an hour 21, but yeah, tell me Beau's fine

[Ashley]

because we started talking about the land, which makes me remember of his most recent purchase of the hunting property that he just purchased. Just so if you want to keep talking about blazing grass.

[Caleb Hammer]

Is that your knowledge?

[Ashley]

No, no, I was. I was in the loop.

[Caleb Hammer]

But did you stand up and say loop?

[Bo]

It was. Hey, there's this cool piece of property we.

[Ashley]

It was by.

[Caleb Hammer]

Why are you just buying land? Dude, it's not a toy. How much did you buy hunting land for? Whatever the. That even means.

[Bo]

12,000. That was part of that.

[Caleb Hammer]

How much land did you get to hunt on for $12,000?

[Bo]

Well, it's not.

[Caleb Hammer]

Not.

[Bo]

I'm not hunting on the land. It's. It's to get started. We're right next to the big public property right there. It's the biggest here in the state.

[Ashley]

He bought land.

[Caleb Hammer]

Biggest what?

[Bo]

I bought land that borders the very large piece of hunting property. Public property.

[Caleb Hammer]

But can you hunt on yours?

[Bo]

I mean, deer walk on it. But I'm not hunting.

[Caleb Hammer]

What is the point of this?

[Bo]

It's a base of operations to go hunt from.

[Caleb Hammer]

Why can't you just drive there? How far is it?

[Bo]

Four hours away.

[Caleb Hammer]

Why the. Did you even get that? How often are you gonna do that?

[Bo]

Every weekend.

[Ashley]

He does go up there a lot.

[Caleb Hammer]

You abandon your child as a new mother. She's a brand new mother. And you abandon every weekend to go hunt?

[Bo]

Nah. The little crotch goblin's gonna come with me.

[Caleb Hammer]

Has he so far?

[Bo]

No.

[Caleb Hammer]

Then what the are you talking about?

[Bo]

He was just born.

[Caleb Hammer]

He was just born, which is when you should be home the most.

[Bo]

Actually, I tried to bring him in the boat not too long ago, and she told me I couldn't fair with you.

[Caleb Hammer]

Drunk? Yes.

[Bo]

It's about time he starts learning to drive it. So we're good?

[Caleb Hammer]

Good.

[Bo]

He'll be all right.

[Ashley]

No. He hasn't hunted since the baby was born. Cuz he had to stop hunting before. He hasn't hunted since.

[Caleb Hammer]

Why?

[Ashley]

Cuz I told him cuz I had to be there.

[Caleb Hammer]

Should it even. Should it even be because your wife told you because you want to be with your kid?

[Bo]

I did ask her a bunch of times if I could go, but.

[Caleb Hammer]

And it's okay to go. I'm not against, but every weekend's crazy with a new mother.

[Bo]

She can come.

[Caleb Hammer]

A new mother and a newborn in a four hour drive.

[Bo]

Well, that's why I stopped.

[Caleb Hammer]

Away from civilization. If they need emergency diapers or something. What the are we talking about?

[Ashley]

Trees? I'm not climbing a tree.

[Caleb Hammer]

You are a bayou man.

[Bo]

Absolutely through and through. Go Tigers.

[Caleb Hammer]

Okay. Is LSU in the bayou?

[Bo]

An hour away.

[Caleb Hammer]

There you go. Did you go to LSU there?

[Bo]

Yeah, I did. Okay, I didn't graduate, but I did my four years.

[Caleb Hammer]

I didn't graduate either. I get it. And I did my five. I'm worse than you. Okay, so discover it. What's going on?

[Ashley]

Yeah, that's my.

[Caleb Hammer]

By the way. Wait, where'd you get the 12,000 to buy this?

[Bo]

That was part of that 401k loan kill me.

[Ashley]

Yeah.

[Caleb Hammer]

Discover it. What are you doing?

[Ashley]

My Discover was like my first credit card ever. And great.

[Caleb Hammer]

Why does that have $4,084 on it?

[Ashley]

Because I put some of the renovation on it and the couch renovation on a credit card?

[Caleb Hammer]

A 30% interest rate credit card. What do we do? You're supposed to be the good one.

[Bo]

It was a tub.

[Ashley]

No, it was. Oh, I did.

[Caleb Hammer]

We're tubbing at 30%. You tub. I'm getting a brand new tub for my brand new house. And it's not nice. I'm paying in cash.

[Bo]

It's a very nice tub.

[Ashley]

It is a very nice guarantee minds nicer in cash.

[Bo]

I don't think so Matter.

[Ashley]

Yeah, I did you wanna see what this tub.

[Bo]

I see it.

[Ashley]

Yeah. Love a good tub.

[Caleb Hammer]

We're jerking off tubs on each other right now. All right, let me find it.

[Ashley]

Let me find my.

[Bo]

Hate your voice because I watch you when I'm in the shower and she can hear it echoing.

[Caleb Hammer]

You're jerking off in the shower to my voice?

[Bo]

Absolutely.

[Caleb Hammer]

Nice.

[Ashley]

Thank you. You

[Caleb Hammer]

ready?

[Ashley]

Like you show me. I show you.

[Caleb Hammer]

No, I'm. I'm going to my. The address is.

[Ashley]

It feels illicit.

[Caleb Hammer]

Three, two, one. You. Oh, my interior. Yours is baked into the shower. Talk about poverty. Bathroom shower and tub at the same time.

[Ashley]

Do you have shower tub at the same time?

[Caleb Hammer]

But no, I don't.

[Ashley]

They're just next to each other.

[Caleb Hammer]

Look. It's a whole individual shower.

[Ashley]

That is nice.

[Caleb Hammer]

Whole individual shower. You kidding me? What are we doing here?

[Bo]

And we got two shower heads. Do you have two shower heads?

[Caleb Hammer]

Yes. Including side jets in the shower.

[Ashley]

Wow.

[Caleb Hammer]

Yeah. There's one for my butthole. And there's one for my legs.

[Bo]

Squid.

[Caleb Hammer]

And for the body.

[Bo]

You have the superior bathroom, but not the superior tub. I'll die.

[Caleb Hammer]

What are you talking about? This is a two person lean side by side next to each other tub.

[Ashley]

So is this okay?

[Caleb Hammer]

Alex, accept it.

[Bo]

How deep is it considered?

[Ashley]

I was about to ask you that.

[Bo]

How deep is it?

[Caleb Hammer]

I don't know the metric.

[Ashley]

Ours is two.

[Bo]

We go 28 inches deep.

[Caleb Hammer]

So why the are you spending $2,698 on here in one month? That's insane.

[Ashley]

Yeah, I did do a lot of purchasing month.

[Bo]

I'm so glad we're on you now.

[Caleb Hammer]

16 years to pay this off for furniture. $2,000 couch.

[Ashley]

Yeah, it was on sale Black Friday.

[Bo]

Oh, that's my pet peeve with her. If it's on sale, it's free, basically.

[Caleb Hammer]

No, that doesn't make sense. You're accruing interest. You're both the problem. You're not the. You're both the problem. Amazon, Spotify, Metamucil, Amazon, Netflix, Amazon, Amazon, Hulu, Canva, and Roku.

[Ashley]

I use this credit card for all of my online purchases, so it's like my subscription. So it's attached to everything. I rarely swipe it in person.

[Caleb Hammer]

Show me your Amazon. Pull it up.

[Ashley]

Yeah, so here's the thing with my Amazon. My entire family is on it.

[Caleb Hammer]

Why do so many people do that? It's so hard, too.

[Bo]

That's stupid.

[Ashley]

So, like, what you see on here is not me. All of me.

[Caleb Hammer]

Give here.

[Ashley]

I'm just letting you know my dad has a problem with Amazon. You.

[Caleb Hammer]

You have a problem.

[Bo]

You.

[Ashley]

I do. I do.

[Caleb Hammer]

You can, for the life of you manage credit cards. Neither of you get the fizz Card card. Close these cards because you're not even looking for debt anyway. So what the are we doing? Yeah. Lots of baby supplies.

[Ashley]

Yeah. Not all. I'm telling you.

[Caleb Hammer]

I've heard you, woman.

[Ashley]

I know, but my dad is crazy.

[Caleb Hammer]

You're right. I wouldn't tell her things either. If this is how she acts the moment we have a conversation. You already said that 10 times. Love you. Just stop. Okay. Endless phone cases.

[Ashley]

How's my brother?

[Caleb Hammer]

Cotton's Women? Breathable. Please don't tell me that's your brother.

[Ashley]

No.

[Caleb Hammer]

Okay. Or your dad. Lots of shirts. Hunting tripod.

[Ashley]

That was my brother, actually.

[Caleb Hammer]

And is that him?

[Ashley]

My brother.

[Caleb Hammer]

Okay.

[Ashley]

He has his own Amazon account.

[Caleb Hammer]

Yeah, it's a ton of. I'm not gonna. I'm not gonna wade through what's yours, what's theirs.

[Ashley]

There's like five people on this account.

[Caleb Hammer]

And I'll also get your kid, I guess, because you guys have good jobs, a course, career certification, so your kid can grow up nice and smart.

[Bo]

She wants to leave her job.

[Caleb Hammer]

Oh, you do?

[Ashley]

I mean.

[Caleb Hammer]

Oh, I'll get you. What do you want?

[Ashley]

What do I want?

[Caleb Hammer]

What do you want to do?

[Ashley]

That's a loaded question. I want to make money, you know?

[Caleb Hammer]

But I'll get you a course. Career certification. A lot of people use it to change careers and make a lot more money out there in the audience, so I just.

[Ashley]

The only reason I would ever leave my company is.

[Caleb Hammer]

What is this? I don't know. You sent it. Who sent it?

[Ashley]

Oh, that's my. My Visa.

[Caleb Hammer]

Okay.

[Ashley]

What's going on with my credit card? My Venture One is a. Is, like, through my Capital one. And I just use it like a regular credit card. Normally Gas, groceries. That's the one that I swipe. I had recently paid it off.

[Caleb Hammer]

So that's why it's 279.85 recently. It's still there. And you're spending on it. You're spending on it. 279. I can't even see the spending because like, what the are you doing?

[Ashley]

I don't know.

[Bo]

That was me, but I use my mortgage.

[Caleb Hammer]

Here we go. So this is the primary house?

[Ashley]

Yes.

[Caleb Hammer]

And you're both on it?

[Ashley]

No, just me.

[Caleb Hammer]

Just you. Isn't that weird?

[Bo]

No. Cause we weren't.

[Caleb Hammer]

I know your credit's.

[Bo]

But we weren't married.

[Caleb Hammer]

But you're on the title.

[Ashley]

No, no.

[Bo]

We did it before we were married because she was able. She was eligible for first time home buyer and I had already used mine up. So she got a way better interest rate than what we'd have got together.

[Caleb Hammer]

What's the way better interest rate?

[Ashley]

You?

[Caleb Hammer]

5.875. I mean, it's fine for today.

[Bo]

If we did it together would have been 7.9.

[Caleb Hammer]

Yeah. $282,342.28. The minimum monthly payment. $2262.47.

[Bo]

We want to refinance too?

[Ashley]

Yeah.

[Caleb Hammer]

Why?

[Ashley]

Because the interest rates are lower right now.

[Caleb Hammer]

2% lower. I don't think so.

[Bo]

You're not going to get.

[Ashley]

I think that's.

[Caleb Hammer]

Well, you don't refinance for 1% lower. You refinance for 2% lower. No.

[Ashley]

Or more.

[Caleb Hammer]

I mean, or more, not less. And I don't think you're getting a rate for 3.875.

[Bo]

No, I thought the going market would

[Caleb Hammer]

be going crazy if.

[Bo]

So I thought the going thing was 1% is when.

[Caleb Hammer]

Well, they want to make money. 2% so you can make money.

[Bo]

And we want to get PMI off of it too.

[Caleb Hammer]

Well, that's fair. But again, still not worth it until you can at least get. I wouldn't worry about that. It's not an egregious rate. Anyway. What's this? I don't even know what this is. At 8%.

[Ashley]

Guys.

[Caleb Hammer]

You send documents so weird. I can't even sort through this.

[Bo]

That's a lot. Yeah, that's a lot.

[Caleb Hammer]

Oh, for sake. The stupid ass lot at an 8% lot. You lot.

[Bo]

Yeah, that's a balloon note. When I bought it, it was a 5.6% no. Yeah.

[Ashley]

Oh.

[Caleb Hammer]

What is wrong with you? I've never. No one's even done that in this show.

[Ashley]

What is.

[Caleb Hammer]

You're the first.

[Bo]

It well, variable rate, ballooning. Try to describe it.

[Caleb Hammer]

Okay, listen. Oh, my gosh.

[Bo]

Yeah, when I bought it, it was a 5.6%.

[Caleb Hammer]

It's a chunky. It's a chunky. Minimum payment at that balance of $829.62 a month gone. That's why you want to get rid of it? Probably.

[Bo]

That's what. That's.

[Caleb Hammer]

Well, that and the high interest rate of 8%.

[Bo]

That just went up because it was a $710 payment. So.

[Caleb Hammer]

Yeah, it's going up the rate.

[Bo]

Note.

[Caleb Hammer]

75,667. $75,665.37. Capital one. Do I have this Capital One? Have we already looked at the capital one that is under this credit report? Because you guys just can't send statements

[Bo]

to save your life somehow under the credit.

[Ashley]

No, that's.

[Bo]

I sent all PDFs. That was the capital one you already looked at.

[Caleb Hammer]

It is. So since your last report is gone, I de doubled it. That's wonderful. It's not all your debt. What? Oh, no. Okay. Medical bill, 1,600 for something with you and then $120 for the baby I just gave birth. Well, yeah, 120, but something 1600 before that. Right.

[Ashley]

So me and the child are separate. So my medical bills for.

[Caleb Hammer]

Have you gone on a minimum monthly payment? Have you tried to dispute with insurance?

[Bo]

We just got that.

[Ashley]

Yeah, it just came through.

[Caleb Hammer]

What's your plan now?

[Ashley]

It's pending insurance. Actually, we talked about it. Once we get the final statement. I was paying it outright or the hospital that I.

[Caleb Hammer]

You can. Minimum bill or. Sorry. You can get on a payment plan. They're usually pretty generous medical wise.

[Ashley]

The medical one that I can sign up for has. It's just. I pay monthly and there's no interest, no nothing. So it's just matter of fact of paying it off at this point. But my insurance is still settling his. His bills because we were. We had separated.

[Caleb Hammer]

So that's the debt. Whose checking account is this with $1,565.84.

[Bo]

That was probably what payroll from Oil.

[Caleb Hammer]

Oh, wait, no, that's not payroll. POS payment.

[Ashley]

Oil. That's yours.

[Caleb Hammer]

Gas.

[Bo]

That's mine.

[Caleb Hammer]

Okay, so you got that at least not negative. This one? Yeah. There's AT&T payments and fees going to Subway out of all places. It's like literally the worst sandwich.

[Bo]

It's delicious.

[Caleb Hammer]

It is not delicious. They have one of the better cookies, but that is the worst sandwich. The cookies are Jimmy John's. Is Better Jersey Mike's is better. What the is wrong with you guys?

[Ashley]

We live in the bayou. But you have a subway and a gas station. It's even worse.

[Caleb Hammer]

Guys live in civilization. What is wrong with you? Amazon.

[Bo]

That's why we're forced to cook more.

[Caleb Hammer]

Good. We'll 200 for fan duel.

[Ashley]

Oh yeah. That is his car.

[Caleb Hammer]

Oh. Oh. Stop. What are you doing, asshole?

[Bo]

I make money. And actually that 1:5,000 net over six

[Caleb Hammer]

years actually go away just like that. And also if we conclude it with your. If we add the concedos with it. And your gambling that you do with your friends is probably negative.

[Bo]

Actually, that 200 was because a dude at work wanted to hide it from his wife. So he sent me. So he sent me the money to bet it for him.

[Caleb Hammer]

What the is wrong with you guys?

[Bo]

We're degenerates. We bet on anything and everything at work.

[Caleb Hammer]

That's not healthy.

[Ashley]

They bet on the birthday of our child.

[Bo]

Yeah, they.

[Caleb Hammer]

Why don't you bet on giving your child a better future, higher chance of success? More FanDuel 100 bucks.

[Bo]

The person that won that gave her half of the money.

[Caleb Hammer]

El Paso. Not actually there, but it's a restaurant called El Paso Mexican Grill.

[Bo]

Delicious.

[Ashley]

No, we have multiple. Yeah, it's the most popular Mexican restaurant in our town.

[Caleb Hammer]

It's the only one town of like 10 people.

[Ashley]

They have live music.

[Caleb Hammer]

You went in the gas station, got some probably transaction fee, ATM taken out. Who knows where that went? Probably the strip club. FanDuel 300 bucks. FanDuel 50 bucks. FanDuel 50 bucks. Amazon SPC Pad Dict. I don't even know. $63 Waffle House. McDonald's getting some bullshit.

[Bo]

The Waffle House was because a friend lost that fantasy football.

[Caleb Hammer]

What did I get?

[Bo]

The Waffle House challenge.

[Caleb Hammer]

Oh, shut the up. Bullshit. Honeydew Cafe. Potential bullshit. Frank's Supermarket. Yeah, but potential bullshit because it's like nine bucks.

[Bo]

So that's groceries.

[Caleb Hammer]

Yeah, but who knows? You may have gone and got some snacks for $9.

[Bo]

Well, we don't ever like do the biggest shopping trip, so. And Frank's is like five minutes away. So whenever I Walmart the same day for six bucks.

[Ashley]

Same day you were looking for something.

[Caleb Hammer]

Exactly.

[Bo]

Is that one? That's probably the gas station I want.

[Caleb Hammer]

I have a feeling. Some bullshit. And Venmo. Not 190. Probably lost a bet. Some bullshit. Doordash. Small town, but big enough for doordash. For a hundred bucks. Doordash q your savings. 100 bucks down from 105 what? What a What a hero. What a king. Okay, your checking account. Two thousand bucks on it. But still a lot of Chick fil A. Apple Bill, Smoothie King.

[Bo]

Yeah.

[Caleb Hammer]

Coffee. Hobby lobby. 158 for hobby lobby. Chick fil a going against the or groceries. Smoothie king, Copeland's in New Orleans. Then we now 300. Then we not $193. Are you betting bamboo garden. Hollywood TV team nails. Apple Bill. Apple Bill. Smoothie King. Apple bell. Apple Bill. Apple bell, Apple Bill. What are you doing? Pull out your phone. Pull out your phone. Give me your phone.

[Bo]

We're gonna see.

[Caleb Hammer]

Give me a phone.

[Ashley]

No, I don't have Tinder

[Caleb Hammer]

savings in here. 9,000. That is actually good. But it actually started with 10,200. You had to take a thousand. A thousand two hundred out. Why you have to take a thousand two hundred out? Cuz you guys are spending more than

[Ashley]

you made 200 go in.

[Caleb Hammer]

No, it started with 10. 200. It ended with nine.

[Ashley]

Oh. Oh, that's.

[Bo]

She went to the strip club.

[Caleb Hammer]

Did you?

[Ashley]

No, but there was an. I didn't know if you're talking about.

[Caleb Hammer]

There was an cycle tracking Gmail, Icloud and Snapchat plus that's because they told me you're gonna delete Apple Play.

[Ashley]

Yeah, I also had to upgrade my

[Caleb Hammer]

storage lesson household income $7,800 lesson. Let me get your debt minimum payments and not mortgage.

[Ashley]

The mortgage comes out of my savings sometimes. So that's probably where.

[Caleb Hammer]

Why it's a payment minimum monthly payment. It's not a savings related. That doesn't make sense.

[Bo]

We alternate paying the mortgage.

[Caleb Hammer]

What do you mean between each other?

[Ashley]

Yeah.

[Caleb Hammer]

What the is with you guys? You. That's not budgeting. Okay, go through our master your money programs where you got the debt class, the budgeting class, the investing class, the real estate class. You need that one. It'll teach you guys how to actually budget as a couple and do all that stuff. It's incredible. Enjoying the community. That's part of the master money program as well. Hold each other accountable and educate each other. But you guys don't. You guys don't know what the you're doing.

[Ashley]

Not at all.

[Caleb Hammer]

Alternating mortgage. What? What a joke. Debt minimum monthly payments not mortgage 1740.93 mortgage 2262.47. What's our gas, electric, Internet all combined.

[Bo]

I wrote this all even Internet speeds

[Caleb Hammer]

do you get out there?

[Bo]

Gas 300 all combined. Oh, electric, electric 2 fit. Oh, all combined. Electric, water and Internet's together. So 250. 354. 440.

[Caleb Hammer]

And then Internet.

[Bo]

Well, that was Internet too.

[Caleb Hammer]

Oh. So 440 for utilities. Good. Gas. Vroom, vroom. Drive, drive. 300 for both of you combined.

[Bo]

Oh, I said gas.

[Caleb Hammer]

Drive, drive.

[Bo]

Okay, the. That was the gas. 300.

[Caleb Hammer]

I know. Driving gas. How much?

[Bo]

300.

[Ashley]

No.

[Caleb Hammer]

Oh, gas for the house is how much.

[Bo]

Yeah, I put that all. We don't have gas.

[Caleb Hammer]

So 4. How much is your utilities for the house on a monthly basis? Internet. Okay. And then gas is 300.

[Bo]

Yes.

[Caleb Hammer]

Okay.

[Ashley]

You? Yeah, I guess the both of us.

[Caleb Hammer]

Car insurances.

[Bo]

360.

[Caleb Hammer]

E. Phone bill.

[Bo]

150.

[Caleb Hammer]

That's not bad for two people. Okay. Necessary food. Should be able to do 600. It's on nipple, right? The child.

[Ashley]

Yep.

[Caleb Hammer]

Good. 600 for food, meal prepping, warming things up. It's chill, it's easy, it's simple. You already got the Walmart there. You're fine.

[Bo]

Yeah, we don't meal.

[Caleb Hammer]

TP fund a lot.

[Bo]

We just don't meal.

[Caleb Hammer]

Anything else you need to survive. $250. A little more for the kid with the diapers. $250. Medical, health care, their co pays on a monthly basis. Medication, therapies, any of that kind of stuff.

[Bo]

Usually about 100.

[Caleb Hammer]

Cool. Is there a gym?

[Bo]

Yes. 50.

[Caleb Hammer]

Good. You said there's a dog.

[Ashley]

We have two dogs.

[Caleb Hammer]

Okay. $100. Pet insurance and how much for pet food?

[Bo]

50.

[Caleb Hammer]

Anything else that needs to be. Oh, subscriptions. I'll do 50. Anything else that needs to be in this budget. Needs to be. Before I add had any room for fun. What am I missing?

[Bo]

I don't.

[Ashley]

I think you got it all.

[Bo]

I think we're good.

[Ashley]

I don't have a car note. He doesn't have a car note.

[Caleb Hammer]

I know, but we have expensive as Dick's car insurance.

[Bo]

Yeah, grass maintenance.

[Caleb Hammer]

How much is that?

[Bo]

I don't know. I take care of my own grass, but.

[Caleb Hammer]

Oh.

[Bo]

Oh, it's like a golf course.

[Ashley]

He decided to plow the entire backyard and lay down Bermuda. And it was $5,000.

[Bo]

6,000.

[Ashley]

$6,000.

[Caleb Hammer]

You guys. You guys are actually. You have a thousand hours left over. Listen, you have no room for fun money. No room for Bermuda. No room for all that bullshit. Listen, all your debt combined without the mortgage is still crazy. And I hope you sell this lot. So I'll wipe out the. Not the 10,000 in parent because you won't be able to pay that off, but the lot. Let's wipe off that $75,665.37.

[Bo]

I wouldn't wipe it off. I don't think it's going to sell anytime soon right now. Nobody wants to buy land right now.

[Caleb Hammer]

Okay, well let me remove the mortgage and put back the lot. So $151,187,000 of debt we have to pay off. Crazy guys divided by a th. I mean it's simple math. It takes 157 months. What are we doing? That is 13 years. It's unacceptable. Bankruptcy is better and I don't think we want to go through bankruptcy necessarily. What's clear is you need to work overtime, up the dick and bring in an extra $2,000 a month, put it all towards it and you need to work more hours or get a second job once you can go back to work. Oh, I don't know what the living situation for the kids gonna be like at that point. But the fact is you just, you guys can't of paying off this debt. It's. It's either bankruptcy or literally working double hours or getting two times raises. Like what other options are there? I mean letting everything go to collections and potentially getting sued.

[Bo]

I'll have three different outages that I'll be able to go to this year.

[Caleb Hammer]

Good. Well how do you know?

[Bo]

Because we're already scheduled for it.

[Caleb Hammer]

The outages are scheduled?

[Bo]

Yeah, they're scheduled years in advance.

[Caleb Hammer]

Oh, so okay. It's not like a. Okay, I understand.

[Bo]

Cuz once you're qualified to work at one nuclear site, you're qualified for all of them.

[Caleb Hammer]

That's not what I thought you meant when you said outages. I thought it was like an emergency.

[Ashley]

No, it's like a maintenance outage.

[Bo]

Okay. That's not counting emergencies that I might get called for.

[Caleb Hammer]

Okay, well that's good. But that's a, that's a minimum requirement. Listen, if you bring in as much money as you brought in last month, like we can start chipping away at this debt. But 13 years is unacceptable. The kid shouldn't have to go through that till the.

[Bo]

Hopefully the lot sells and then that gets.

[Caleb Hammer]

If the loss sells, that moves the needle a lot quicker. That probably pays it off, what in 7 years and then work more ARM. If you can pay this off in 4 years, I'll accept that. But that's with no fund spending and that's hard to maintain, especially at the lifestyle you guys are used to. This is going to be major sacrifices. It's going to be potential banker you guys have yourselves. But you need to combine your accounts. You need to hold each other accountable. You are not spending money anymore on fun. You've had your fun. Now it's time to pay for it. It's all been a debt. Now it's time to actually grow up and pay for it. You need a budget. Go through our education. Hold each other accountable on a monthly basis and work your asses off and go make as much money as possible and throw it all towards the debt. That's it. That's what we're doing. Listen, we got some topics for the post shows. They're already planning a trip to go on. I'm going to have to convince them to out of the country. I'm gonna have to convince them to not do that. It's gonna be stupid. Okay. So join the financial audit the Hammer elite. Join us for the post. Let's get the Hammer Financial Score. Spending a bud. You guys ever spent debt? It's. There's no collections which is good, but that's really bad. It's a 1 out of 10 merchancy fund. 10,000 which you guys will would need not including debt would be about 5,000amonth. Times that by six. Yeah, okay. About a three out of ten emergency fund retirement, but it's going down, so that's scary. Retirement. You have a bit of retirement, but

[Bo]

half of it's 50,000.

[Caleb Hammer]

Yeah, half of it's tied up in the 401k loan. So then you. I don't see retirement. The retirement.

[Ashley]

I have a 401k.

[Caleb Hammer]

How much?

[Ashley]

I have about 20,000 in there right now.

[Caleb Hammer]

Okay, so you have like 50 net. 50 net for what you guys make at 30, you should be at $200,000. Household retirement and you got about. Okay, I'll say three out of ten being generous. Real estate. Listen, a lot of things. I don't know how much equity you have in your house.

[Bo]

40,000 hopefully.

[Caleb Hammer]

Okay, I'll give you guys a six out of ten real estate. And then you put another weird lot of land. It's weird. Okay, Hammer Financial score. Get yours@caleb hammer.com you guys are a three out of 10. The real estate's carrying you and the 10,000 you say is carrying you. Now click that join button. Three premium shows posted every single day, Monday through Saturday. And come join us for an extra 20 minutes in the financial auto post show. See you guys there.

[Ashley]

He was planning on potentially going to one of the card houses while he was here because he knew there were card houses and he could go focus on your wife.

[Caleb Hammer]

Dude, you're gonna gamble while in Austin at a cardhouse. Focus on your father wife. Dude, what is wrong with you?

[Bo]

When I told her I have wagered over and that's Justin Fanduel. That's not counting DraftKings and all that other stuff. He's allowed to his own life, right? You're allowing him to your life, correct? Now you have a kid in the mix. That kid didn't ask to be here.

[Ashley]

At this point, all of these arguments have already been had and I'm at a point where I've I've hit a wall with him.

[Caleb Hammer]

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

[Ashley]

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[Caleb Hammer]

Paying more for complicated taxes you won't inhale new tax law knowledge.

[Ashley]

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[Caleb Hammer]

Certainly not.

[Ashley]

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