I (almost) Gave Up.. | Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: "I (Almost) Gave Up..." | Financial Audit
Date: October 22, 2025
Guest: Eric, 27, from St. Paul, MN

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Main Theme

This episode dives into the chaotic and unsustainable personal finances of Eric, a 27-year-old husband and father of two, who recently navigated unemployment, crushing debt, overspending habits, and failed attempts at budgeting. The conversation revolves around Eric’s financial mismanagement, frank self-assessment, and the often comical—but sobering—reality of his and his family's spending habits, with host Caleb Hammer offering tough love, frequent incredulity, and actionable steps for change.

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Key Discussion Points & Insights

1. Background & Income (01:39–04:26)

• Eric's Career: Recently lost a job as a chemical technician, started a new job as an electrical technician.
• Income: $1,700 per paycheck, twice a month ($3,400/month).
• Wife’s Income: Teacher’s aide earning about $1,600 every two weeks ($3,200/month).
• Family Structure: Married with two young children (2 years and 10 months old).
• Living Arrangement: Rent on a four-bedroom house in St. Paul for $2,600/month.

2. Spending Habits and Debt (04:26–15:16)

• Debt Amount: ~$133,800 across credit cards, Affirm loans, student loans, and a car loan.
• Initial Deflection: Eric blames wife’s “needs” and her spending on books—later admits it’s his own overspending and impulse purchases.
• Food Spending: While on unemployment, regularly spent $1,500–$2,200/month eating out, mostly through DoorDash—even ordering food to his own car while working as a DoorDash driver.
• Self-Reflection: Initially lacking, Eric passively acknowledges his food-related compulsions only when pressed.

“You spend over your unemployment check just going out to eat?”
— Caleb (08:03)

“Because I like food.”
— Eric (08:20)

• Absurd DoorDash Anecdote:
  Eric admits DoorDashing food to his own car while he’s out DoorDashing for work.

  “Sometimes you’re too lazy to get out of the car and you get another order…” (12:28)

3. Family Dynamics, Income Allocation, & Control (15:16–38:42)

• Eric’s Control: Manages all household finances himself, including taking 70% of his wife’s paycheck (she gets 30% for discretionary spending).
• No Joint Account: Prefers not to have one, doesn’t trust wife with full financial access—traces this to her prior debt, though he’s now the one in financial distress.
• Money for Essentials: Eric covers utilities and other household expenses; mom contributes $1,000 towards rent; wife pays remaining rent.
• Lack of Transparency and Partnership: Eric sees himself as a “control freak” and resists sharing financial control.

“No, I don’t trust her with the money at all.”
— Eric (34:45)

“You’re being a dumbass and you’re not willing to be a partner with your wife… There’s no time to fix it if you’re not willing to do something.”
— Caleb (36:01)

4. Budget Breakdown & Illogical Purchases (38:42–52:09)

• Enormous Outflows: Last month, Eric spent over $10,800 (including bills, food, discretionary purchases) while only bringing in around $3,400.
• Unnecessary Debt: Multiple Affirm loans for things like a now-sold lawn mower, home appliances, and household wants.
• Frivolous Reasons: Consistently chooses brand new, premium items rather than frugal or secondhand options (e.g., couches, grills, wallet).
• “Affirm Everything”: Relentlessly chooses ‘buy now, pay later’ options, increasing his monthly obligations and interest, even for basics.

“You affirm everything, yet you also blow all your money.”
— Caleb (74:45)

• Credit Card Misuse: Opens new cards (some post-bankruptcy), maxes out, pays only minimums, cycles between cards for basics, fast food, and “gas cards” that become more debt.

5. Indicators of Financial Chaos (52:09–86:00)

• Overdrafts & Late Fees: $100s lost to overdraft, interest, and late fees; inconsistent bill payments despite claiming the contrary.
• Student Loan Forbearance: $76,000+ in student loans (federal and private) compounding interest due to paused payments.
• Major Car Loan: $41,000 on a Toyota Camry now worth much less; prior car was repossessed, still owes $16,000 on it.
• No Emergency Fund or Retirement: No savings, IRAs, or investment accounts—confusion about what constitutes retirement assets.

“Your entire everything is not great.”
— Caleb (22:51)

6. Personal Dynamics & Humorous/Ridiculous Segments

• DoorDash to Car: Eric’s laziest “hack.”
• Bulk Candy Logic: Refuses to buy in bulk, insists single bars are “cheaper” (defies math and common sense).
• Amazon Order Overshare: Dildo discussion leads to awkward, frank marital talk and racial commentary from Eric (“She’s Danish. She likes white people…”).
• Affirm Loans for Everything: Mower, grill, flights, hotel for Vegas bowling trip—none paid off, most already resold or consumed.

“Are you embarrassed?” — Caleb (75:40)
“Yeah.” — Eric

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Memorable Quotes & Moments (With Timestamps)

• Caleb (09:12):
  “Well, I do when I’m budgeting and want money.”
• Eric (12:03):
  “Sometimes you’re too lazy to get out of the car and you get another order.”
• Caleb (14:36):
  “DoorDashing to your parked car while you’re out DoorDashing is insane. I’ve never heard of that.”
• Caleb (36:01):
  “You’re being a dumbass and you’re not willing to be a partner with your wife.”
• Eric (34:45):
  “No, I don’t trust her with the money at all.”
• Caleb (74:45):
  “You affirm everything, yet you also blow all your money.”
• Eric (86:43):
  “Sounds like I need treatment for food.”
• Caleb (101:21):
  “How much debt do you think he has? 4,000? Oh, let’s try $133,779.”
• Eric (101:22):
  “Oh, dear God.”

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Financial Recommendations, Tough Love, and Action Steps

• Immediate Debt Freeze: Stop acquiring new debt and using buy-now-pay-later.
• Budgeting Bootcamp: Host offers access to his budgeting app, suggests Eric undergo thorough behavioral change before considering bankruptcy or consolidation again.
• Sell the Car: Trade in underwater Camry, downsize to a cheap used vehicle to reduce payments and debt.
• No More Individual Credit Cards: Cut up cards (though Caleb notes this does not address root behavior); close accounts.
• Three Months of Consistency: Prove new spending habits, stick to budget, then revisit consolidation or bankruptcy options.
• Consider Assisted Debt Solutions: Only after behavior proves sustainable.
• Family Financial Counseling: Strongly implied—Eric’s approach to “controlling” the family finances is damaging and needs transparency.

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Noteworthy Segment Timestamps

• 01:39 – Eric introduces himself and his financial situation
• 04:26 – Acknowledgment of debt and the "thick stack" of paperwork
• 07:55 – Food spending revelations ($2,200/month eating out)
• 12:03 – “DoorDash to my own car” anecdote
• 15:16 – Wife’s income, control, and joint finance aversion
• 25:45 – Spending $9,000–$10,800 in a month, detailed expense walk-through
• 35:09 – Explanation of not trusting wife, “control issues”
• 52:41 – “You are the villain”—Harsh reality check from Caleb
• 61:05 – Multiple Affirm debts, high interest, unnecessary purchases
• 74:49 – “Affirm everything, yet you also blow all your money…”
• 83:50 – Multiple maxed-out credit cards, post-bankruptcy cycle
• 89:10 – Camry loan breakdown; car underwater by $10,000
• 92:20 – Student loan disaster, pending repayment shock
• 101:21 – Post-show tease, confrontation with wife

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Conclusion – Caleb’s Final Assessment & Eric’s Hammer Score

Hammer Financial Score: 0/10

• Spending: 0/10
• Debt Handling: 0/10
• Emergency Fund: 0/10
• Retirement: 0/10
• Real Estate: 0/10

Caleb calls for radical change, behavioral counseling, and a total household budgeting overhaul. Listeners left with a mixture of entertainment, shock, and clear takeaways on what not to do with household finances.

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For full context and additional insights, including the explosive post-show call with Eric’s wife, visit the podcast’s Hammer Elite extra content.

Transcript

[A]

You're about to make a trade. Which u do you listen to? Is it get optioning those options or.

[B]

Let'S do a little research.

[A]

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[B]

I don't think about it that much.

[A]

You are the villain. You take all her money, you have kids, and yet this is how the finances end up.

[B]

You're the villain, but the bills get paid.

[A]

Oh, you're. And you're smirking. Are you proud about this? This is insane. You affirm everything, yet you also blow all your money. Everything's easier. Why that doesn't.

[B]

Because it breaks it down in payments.

[A]

Realistic though, with strong suction cups.

[B]

See, I'm not all that bad. I'm complicated.

[A]

You're not complicated. Stop saying that. You are a moron. The tools to change your life have just been upgraded. Download my budgeting app rebranded to dollar wise today and start your free trial. Sign up for the annual version and I'll sen budget friendly cookbook that can't be purchased anywhere else and I'll personally sign it and mail it directly to you. Download the dollar wise budgeting app today and take advantage of your free trial.

[B]

Hi, I'm Eric, 27 from St. Paul.

[A]

And this is Financial Audit, St. Paul, Minnesota. Right?

[B]

Yes, indeed.

[A]

Beautiful. Thanks for coming down to Austin. Happy to have you here. What do you do up there for a living?

[B]

I just recently lost my job, but now I got a new job.

[A]

Well, why don't you tell me what that job is? Right.

[B]

I work as an electrical technician, per se.

[A]

Yeah, I'm more a sanguinarian vampire in that I rely more on the life force energy, per se. Okay, cool. What do you make?

[B]

What do I make? I make just around, I think, 1700 a paycheck.

[A]

1700 a paycheck. Is that twice a month?

[B]

Yeah, twice a month.

[A]

Vitamin D. Very good. So that's $3,400 a month. Now, I heard this St. Paul area, all, you know, Minneapolis and whatnot, actually halfway decent city, even though it's in A miserable place that I would never live due to the horribly freezing cold and gray forever.

[B]

But it's great. So it's cold year round. We like it.

[A]

How you living on this 32? Because I don't know the cost of living there. I'll be honest, as much I know it's a place that many people are.

[B]

Moving to, but it's not bad. It's $2,600 a month for a house.

[A]

Not for your house?

[B]

No, I rent a house. But it's 2,600 for a four bedroom house. Has a decent sized property.

[A]

Okay, you're answering a question about a house. I'm asking how you doing?

[B]

How am I doing there?

[A]

How's the stretching? How are you living there on 3400, how's life?

[B]

Not so great. Hence why I'm here.

[A]

Hence why you're here. Let's turn this into a podcast where you give me more than a couple words. That's one sound we are waiting to.

[B]

It's hard living there. Honestly. I'm about $3,400 because I haven't gotten a paycheck yet. But recently.

[A]

Well, yeah, but 34. Okay. What did you do? What was your job?

[B]

What was my job? I was a chemical technician.

[A]

Very good. What were you making?

[B]

Just shy about twelve hundred dollars bi weekly.

[A]

So very similar. So this is. It's going to be a very similar. Well, yeah. Okay, great. Actually you're making more now.

[B]

Way more. Yeah.

[A]

Good. Well done. How are you doing there? Because now you're able to translate. Well, it's like a pay in about 33%. So you should know how you will be doing once the pay has hit your account.

[B]

Right.

[A]

So tell me what it's like living there on this. On the finance show where we talk about where people live on certain kind of money with their dads.

[B]

It's going better, honestly.

[A]

Then what?

[B]

Just paying everything off more. Trying to snowball things down.

[A]

No, you're not. That's a literal lie. But okay. Or. Or just ignorance to you not really understanding what's happening in your dollars. Okay, so I feel like I didn't really get an answer there, but maybe I just didn't lead you along. Maybe I'm not good at that. I don't know. Maybe that's your bad quality of not being able to answer questions or my bad quality not being able to ask them. I don't know what's going on. What are we talking about today?

[B]

I am in debt per se.

[A]

I think it's time for us to Feed, per se.

[B]

My wife kind of forced me. Well, that's the story is my wife kind of led me into some debt. When we got married, I took on some of her debt, but it became my debt.

[A]

This is a lot of paper. This is as thick as you. This is big. This is big. You're saying this is all wife?

[B]

Not all wife.

[A]

Then what the are you talking about wife?

[B]

She needs things, so I put it on my own. What does she need?

[A]

What, like new tits or why are you saying a McDonald's purchase? Like, I don't know, like what. What quality are we on? Okay, she needs teemu.

[B]

She doesn't need teemu.

[A]

Well, you just said she needs things.

[B]

Well, she needs things like her books to read. She likes her teemu. She kind of likes to go out to eat something.

[A]

Immediately went back to Timo. Okay. Yeah, she likes to go. Okay, so the needs. All I hear is books wants. Well, you said books. I can vibe with books.

[B]

Yeah, she reads every night.

[A]

Like 50 bucks a month.

[B]

Maybe I'd say 120.

[A]

120.

[B]

120.

[A]

That's why you're on this show with a document this thick, which is huge, by the way. Women. Correct. This is a lot of paper. And that's because she spends $150 a month on books.

[B]

No, my negligence.

[A]

I'm going to need a little. That's not correct. And tell me what's actually going on.

[B]

I'm in debt, more or less, because I have a spending habit of just buying things.

[A]

Why didn't you say that the first time?

[B]

Because it sounds more fun when my wife's in trouble, not me.

[A]

Does it? Or does it sound like an immediate deflection because you're not willing to accept that you are the problem. I don't want to go too hard on you out of the gate, big guy, but you're just not really not grasping it. Not really doing the podcasting thing very well. Listen, I mean, I see. $133,779.38 a debt sounds about right. If not, that's I spend. That's I spend. That's My wife wants a book.

[B]

No, not just a book.

[A]

Okay. How long were you jobless? Because maybe that would explain.

[B]

Just about.

[A]

Maybe. I'll answer the questions for you. Okay, There we go. Now there's something. Six months.

[B]

Six months unemployment. Waited just on unemployment. Oh, yeah.

[A]

Okay, so you had supplemental coming in.

[B]

I had supplemental income for about $530.

[A]

A week, but it's not great. But that is $2,000 a month. And also what we're talking about is you were making 15 every paycheck, so I mean. Yeah, you got to cut about 30.

[B]

Your habits.

[A]

Oh, no, you're making 1200 every paycheck. So really, you got a $400 pay cut?

[B]

Yeah, it was hard with kids as they grow up.

[A]

You can cut $400 from your life.

[B]

$400 seems nice, but honestly, that's change.

[A]

Well, if you're unemployed and we're just in survival mode, you could cut $400 to my life, which is the difference in your previous pay. Seems easy. No, it doesn't. No, it's not about seeming easy. It's a number. As you get in the budget, you see where money is going, you see where you can cut. Okay, I'm looking at what I think is probably an unemployed month because you just started your job. Right, Right, right. Okay, good. Yeah. How much went going out to eat?

[B]

I would say 2200.

[A]

What the. How's it even considered? What are you laughing at?

[B]

Oh, you know, cuz. I know it's real.

[A]

How's that even considered remotely acceptable? If you're on unemployment and you're complaining that you can't live off that 2000 hours a month? So you would spend over your unemployment on literally going out to eat?

[B]

Yeah, sometimes.

[A]

How is that acceptable?

[B]

Cuz I like food.

[A]

No, I mean, how is it acceptable? I know you like food. Chubby is an understatement.

[B]

Understatement.

[A]

But we're not going down that path. I'm. Tell me how it's acceptable. I like food is not an answer.

[B]

Some nights when the kids want to go to bed early, we want to go and have some Taco Bell. Maybe late at night, but honestly, I.

[A]

Think to escape and run to Taco Bell, not doordash.

[B]

That's the best part. It's free and easy almost. You get the dash.

[A]

Almost. Wait, can you explain how it's free and easy almost? That almost is carrying a lot of weight. Almost like your chest. Yeah.

[B]

So free part is me too. More or less the doordash part. You buy the pass and it's free delivery. Well, that's where they give me.

[A]

Yeah, but there's still the city charges and all the bull and all the tips and fees and death.

[B]

But you don't think about that when you want food.

[A]

Well, I do when I'm budgeting and want money.

[B]

But a lot of times.

[A]

Okay, does she bring in an income? Because that doesn't make sense. It's $2,000 a month. Course she does. That's not necessarily an answer. Look at you. Six months, didn't have a job.

[B]

Yeah.

[A]

What's her job? What does she bring in?

[B]

She's a teacher's aide and she brings in just about 1600 a paycheck.

[A]

That's every other week.

[B]

Every other week.

[A]

Very good. So 32. So we're talking a total of $6,600 a month. Okay. That would help supplement the literal insanity of going out to eat. I have to ask a question. Based on how much we're spending going out to eat, is she also morbidly obese?

[B]

No.

[A]

Really? You consider yourself?

[B]

Yeah.

[A]

Okay. I have to ask that in qualification for what you're considering her. 15, 17, 8 cents going out to you, which is insane. But the fact that you said more just blows my mind. Like it means nothing. Like it means nothing. And you brought up kids as well. Right. And that is deeply concerning. If we're doing that while honoring unemployment, that basically covers your unemployment that was coming in. Like what the are we doing? What a disgusting. What a disgusting thing to do with our finances. No offense as a father. How many kids we got? What are their ages?

[B]

I got two kids. The first one is 2 years old and the second one is just about 10 months.

[A]

Oh, you're doing this? You're doing this while there's a 10 month old?

[B]

Yep.

[A]

And you're smirking. Are you proud about this? Like what the. Then why do you continue doing it? Why do you consider this? Huh?

[B]

Honestly, I don't know.

[A]

You don't know? Dude, try to take any element of self reflection. Look back last month. Walk me through it, cuz.

[B]

What the last month I had brain fart.

[A]

Of last month. Yeah, just look back, random day.

[B]

Random day. Do you want to play by play?

[A]

I'm talking about you spending this money, man. I'm going out to eat while you have your kids.

[B]

The work history is kind of hard with everything just going on with me.

[A]

The work is talking about you spending money on going out to eat. Are you here right now?

[B]

I'm thinking about all the food.

[A]

Well, no, that's what I'm trying to get you to answer. So if you're thinking about the future, you should be able to answer. Just brought up work history. I don't give a about that right now. When I asked about something different.

[B]

One second. I'm trying to think, what was that again?

[A]

Walk me through last month. You're spending 1500 bucks. You say you don't know why you're doing it. I want Some element of self reflection of your instances of going out to eat and blowing your entire unemployment check on door dash.

[B]

Well, if you're out door dashing all the time, you kind of have to eat while you're out driving where you doordashing. Yeah.

[A]

What? You have to eat. Go out to eat while you do. So you order doordash to your car while you parked in a parking lot waiting for a doordash. What are you talking about?

[B]

Oh, yeah, that's. No, you did real life.

[A]

Yeah. No, you didn't.

[B]

That's real life.

[A]

You did not doordash to a parked car.

[B]

Sometimes. Yeah, there's a bubble.

[A]

How do you know? Trust me. Call Bennett.

[B]

You gotta do what you gotta do when your door does that.

[A]

What you gotta do. You're in a car, you're near the restaurants.

[B]

Yeah. But if sometimes you're too lazy to get out of the car and you get another order, what do you think.

[A]

A drive through is?

[B]

It's easier just to doordash it to your car.

[A]

Is it?

[B]

Yeah.

[A]

Is it actually? Because that is a much longer wait than you're already in the car near the restaurant waiting for an order.

[B]

Right. So then you can play around on your phone and do other things.

[A]

Oh, buddy. You're trying to pay the bills for your two kids. One being a 10 month old, and you find this acceptable? This episode is brought to you by State Farm. Listening to this podcast. Smart move. Being financially savvy. Smart move. Another smart move. Having State Farm help you create a competitive price when you choose to bundle. Home and auto bundling. Just another way to save with a personal price plan like a good neighbor. State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings and eligibility vary by. What the. What the. Dude, that's the craziest thing I've ever heard in my life. And reminder, literally about 10 minutes ago you opened with my wife is bringing me into debt. You're door dashing to your car while you're door dashing.

[B]

Right.

[A]

Which by the way, a single doordash to your own car. You have to work what, an hour and a half to even make that back?

[B]

Just about almost two hours. Sometimes on a low day, on the weekend, it's more.

[A]

You're fully admitting this and fully accepting this. Dude, this is the most insane thing I've ever heard in my life. Wife.

[B]

That's how you get in debt. You don't think about it.

[A]

Wife, you tit.

[B]

Yeah.

[A]

What did the drivers, the dashers think when they pulled up to your car, you're just sitting there, they do the.

[B]

Same thing, more or less.

[A]

No, you come on.

[B]

They don't order to their own car, but they're more or less okay. I just got paid. Who cares?

[A]

No, no, no, that is very different. That is very different. Yeah, go blow your money. That's a little different. Door dashing to your parked car. Well while you're out there, door dashing is insane. Insane. I've never heard of that. No one's ever heard of that. That is, I'm not gonna lie, the craziest thing I think I've ever heard on this show. I've seen crazy numbers. That's not a crazy number. I mean you have crazy numbers, you have a fat stack of paperwork. That is for sure. But that might be the craziest thing I've ever heard someone do.

[B]

How frequently it's only been a once or twice thing.

[A]

That's insane. Dude. That is insane.

[B]

Otherwise they're door dashing it to your house late at night when the kids to sleep.

[A]

So after running door dash all day you would then spend enough cuz then that, that was for your wife. Yeah. So that covered what? Five hours of dashing. So you five hours of dash. You three hours of dash just so you and your wife could doordash to your house late at night.

[B]

Yeah, you're tired.

[A]

You. Yeah, but you're tired from the amount you have to work in order to order your door dash cycle. Yes, but this a cycle that is easily breakable. That's not a pay advance cycle. That's not a payday loan cycle. That is a don't order doordash one night and then you get to work three hours less the next day to maintain even more or less.

[B]

Maintain even but go broke at the same time.

[A]

But you're going broke doing that regardless. But I'm saying if we're talking about energy levels, you would be saving energy.

[B]

Oh yeah.

[A]

Oh yeah.

[B]

Oh yeah.

[A]

And then he doesn't do that. No, you're not. What is this? What is this? You owe the government back pay for unemployment. What is this?

[B]

When I was getting lots of emails.

[A]

And not answers, tell me no, I.

[B]

Have to pay back the government because they found me that I didn't put in a two week notice. But when I left the job they didn't take my two week notice so they brought me back to court. I had to quit a job for personal reasons, but I gave him a two week notice, was willing to work the two weeks. But they didn't take that notice. They just told me to leave.

[A]

There are very few personal reasons where you can get on unemployment for quitting. Why the did you quit?

[B]

Due to my child's health.

[A]

Okay, that's one of the valid reasons. Now that's six. Yeah, but how would you afford to pay for the child's health? And what did you quitting achieve with the child's health? Cause then you're just DoorDashing every day.

[B]

Nine times out of ten, every month like clockwork. My child would have asthma attacks and she'd be in the hospital for about 2, 3 days at a time. Should be on oxygen and all that.

[A]

And how has this been solved? I don't think it has.

[B]

Has it been. Has it been solved per se. But she's on a new med that helps her.

[A]

This is the. This is the two year old?

[B]

Yeah.

[A]

You said once a month.

[B]

Once a month like clockwork. Almost towards the end of the month.

[A]

Your employer wasn't willing to work with you on that?

[B]

No, it was like a bottling factory. It was like a two, three month job.

[A]

It was a contractor job.

[B]

Yeah, basically.

[A]

Wait, you were contracted for a three month period? You weren't, were you?

[B]

It was supposed to be a year and then hired on to see how you were.

[A]

And you got an unemployment from a contract based job? Yeah, one with a time end. You got. That doesn't seem right.

[B]

And that's why the state came back after me for it.

[A]

Good. I'm sorry for your child's health issue. It's not about that. It's about if you have a contract at the very clear end. And not only that, but you're quitting it. You don't get to qualify for what we're paying into where people usually get fired.

[B]

I just thought unemployment benefits worked like that.

[A]

Well, again, the child health thing actually might be something that is valid under certain things. States have their own rules as well, for what it's worth. Minnesota. I don't know off the top of my head, but that is fair from the sounds of it. That you owe back. Well, how much do you owe back to the state?

[B]

Just about 7,000.

[A]

What? How much did you get in total?

[B]

Do you owe everything back? Everything. Every century.

[A]

Oh. Oh, no you are not. No, you are not.

[B]

Yep.

[A]

That is insane. What the is this? Owing the state of Minnesota money back while getting doordash ordered to your car while you're parked. Not working for doordash.

[B]

Reality, huh?

[A]

Deserved reality.

[B]

Oh yeah.

[A]

But it sucks because you have kids. It doesn't take away the fact that you abused the system.

[B]

I wouldn't put it that way.

[A]

How would you not?

[B]

I gave him a two week notice. It wasn't supposed to be on contract. It was supposed to be a 12 month contract.

[A]

That is contract.

[B]

Yeah. It's kind of hard to say with that. The way that was written with contract and not a contract. Yeah. I don't know how to explain it.

[A]

Yeah, any kind of coherent way would be beneficial. So the government, do they want it all at once or.

[B]

No, it's paying. Plan good. I still haven't set it up.

[A]

You haven't set it up?

[B]

No. They give you 60 days to come up with a plan.

[A]

Oh, you. You haven't even set it up. When did you hear about it? The first.

[B]

About a month ago.

[A]

Oh you. Oh dude. What have I walked into today?

[B]

A cluster.

[A]

Oh, a cluster. A cluster from the audience. You're there. This is one of you. This world is crazy. This world is crazy. Calebhammer.com apply by the way. But what the. What the. Oh my goodness. I'm getting fed so many notes. Mostly because you're not talking. But his employment history is an issue. He had an amazing job out of college but quit because they asked him to do too much work. What is that? What is that? Tell me the about that right now.

[B]

I don't know what to say about it.

[A]

Tell me literally anything. The job and what was considered too much work and what was the pay? What the. You think I would want to know?

[B]

Of course you want to know everything.

[A]

So tell me.

[B]

Well, it's hard to describe how you go from a job making X.

[A]

What was the job that made X amount? And what was X amount you?

[B]

I used to be a pipe engineer making 120000 a year and had everything. And then one day.

[A]

You got that right out of high school.

[B]

Yeah, right out of college.

[A]

How long did you do that? Oh, college, sorry. How long did you do that for?

[B]

Just under three years.

[A]

And what was the. They asked me too much.

[B]

They asked too much for me to move to Kansas. Just up and leave within two weeks right after having the first kid. It's not like you can just up and move everything for like daycare and.

[A]

Whatnot, but you kind of can when it comes to your entirely livelihood. People do it all the time. I'm not saying it's wonderful. Yay, yay, yay. Let's go. But yes, people do.

[B]

It's hard to move with kids.

[A]

This wasn't a kid that Was settled in any kind of day. Is family there?

[B]

Family's in Minnesota. No, I have nothing out of Minnesota.

[A]

In St. Paul. Yeah, I was a very delayed. Yeah.

[B]

Yeah, I got family in St. Paul, but it's hard to move to Kansas.

[A]

The close family.

[B]

The close family. Well, I would only consider two people close.

[A]

What are they?

[B]

Mother.

[A]

Mother.

[B]

Mother. Stepdad. Yeah. Father's side is kind of.

[A]

Yes. Okay. Now that would be a reason. Why did I have to come up with it for. For you? My gosh, why couldn't you just tell me that? Oh, okay. This is going to be one of the days where this is a hard job. Okay. I have to, like, find the answers for you because that's a relatively valid reason for wanting to stay there with a newborn to keep them near the grandparents.

[B]

Yeah, it's kind of hard. I just don't want to up and move my kids. That's the problem.

[A]

I get it. I get it now. That's not asking to do too much. That's asking for a big move. Now, people do this all the time, though.

[B]

Yeah, but I assume that they move first and then they would bring their kids and move their whole livelihood down to another country.

[A]

That's more like immigration. From another country. That's not moving to Kansas. Well, with the newborn to Minnesota.

[B]

You would think it would be harder with the newborn, potentially.

[A]

I'm not saying it's easy, but people do this. Okay.

[B]

It's not good, is it?

[A]

Uh, it's not great, buddy. Your entire everything is not great.

[B]

It's not great. Glad we could agree on something.

[A]

So you quit that job because of the asthma thing, but didn't really 100% need to. You're kind of showing because you went back to work and you're door dashing constantly, so that didn't really make sense to me. And then you frauded the government.

[B]

I wouldn't call it fraud.

[A]

Well, they did. And that's why you owe back and.

[B]

More or less petitioned me to go to court and figure it out. I wouldn't say fraud.

[A]

Why do you think it was in court, dude?

[B]

Because they just want me to pay the money back. It's.

[A]

Why would they want that, dude?

[B]

Because the employer feels like they got ripped off. But honestly, in there, there was somewhere in that clause that I could claim unemployment.

[A]

And who won?

[B]

I initially won. That's why I was, in the end.

[A]

You know, the one that matters.

[B]

The employer, Honestly.

[A]

Yeah, yeah, yeah, yeah. They did. They did. Dude, what the. I mean, that's just it. And it was settled. By court, right?

[B]

Yep.

[A]

Well, there you go. This wasn't even a mutual agreement between you and the employer. This was. So that's it. You okay? You it. Your choice, Your fraud. I mean, Colton told me you were ranting to him that you lost on a technicality.

[B]

That's technically a technicality in my books, but that's it.

[A]

That was the contract. And Doug, here we have the Limu imu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Limu. Is that guy with the binoculars watching us? Cut the camera. They see us.

[B]

Only pay for what you [e-mail] Liberty.

[A]

Liberty. Liberty.

[B]

Liberty Savings. Very underwritten by Liberty Mutual Insurance Company affiliates.

[A]

Excludes Massachusetts.

[B]

Yeah, but when you think.

[A]

How.

[B]

When you think about the contract. It states in there that you can claim unemployment if you give them two weeks notice.

[A]

And the court said no. Buddy, I don't even know this. This is so much paperwork. We got to get into the finances, especially since they'll answer questions better than you. But first, we know what came in. Am I looking at the joint house? The whole house?

[B]

Nope, that's just me.

[A]

This is just you.

[B]

My wife didn't want to be a.

[A]

Part of it, so her paperwork's not in here.

[B]

That's none of her stuff.

[A]

So I have to cross out her 3200. So it started. Oh. How much was spent last month? What was the outflow? We know the inflow. What was the outflow? Outflow includes everything that's outflow. What would the outflow be? We know inflow. We know inflow. We know inflow. How much was outflow?

[B]

I would probably say 9,000.

[A]

News flash. It has been over 16 years since the federal minimum wage was raised to $7.25 and company productivity has doubled, while our wallets have not. And let's be honest, for a second. It feels like the system is broken. And we all deserve to be able to get an apartment house or just like our parents could. But to do that, you need to have good credit. And that is why I want to put you on to today's sponsor kickoff. There's no credit check, no interest, no hidden fees. Just a ridiculously easy way to start building credit with on time payments and plans starting at just five bucks a month for your first month, start building credit immediately for as little as $1. And whether you're starting from scratch or making a comeback, this is built for you. People with credit under 600 saw an average increase of 84 points in one year just by paying on time. And I've said it before, credit can be the difference between moving forward and being stuck. Kickoff makes moving forward stupid. Simple. Start building credit with Kickoff today and get your first month for as little as $1. That is 80% off the normal price. When you go to getkickoff.com caleb. Today, that is kickoff without the C. Get K I k o f f.com Caleb. Grab your tits, dude. It's $10,892.78. But why would $9,000 be considered anywhere near acceptable for a father of two children, one being under a year old? Why the you give me that answer?

[B]

I don't know. Honestly, bills get to be a lot with kids.

[A]

What are the bills? What are the bills? What's $9,000? $10,900 specifically. What is that? How does that life end up being that? Can you tell me please?

[B]

There's some medical bills for her that I.

[A]

Everything. What the are we doing, dude? I saw $1,500 going out to eat. We all saw that, right? Did we all hear that? And you immediately go to the medical bills.

[B]

No, no, food's never on my mind. I just like eating.

[A]

I think food's always on your mind.

[B]

Well, you don't get tits for no reason.

[A]

No. In debt payments. Net worth $776. So you, it was putting them on a firm. You spent double your net debt payments to going out to eat.

[B]

You gotta pay the bills somehow.

[A]

You not even the household. You, you just you.

[B]

Yep. I. I don't know what else to say on that. That's just me. I think about food and I eat it and I'm done. That's it.

[A]

It's not even the household? No, it's not even the household. Not me not herioning you. It's all you, dude. Just you.

[B]

This to my wife.

[A]

Are you gonna blame the kids next?

[B]

No, they're innocent. They don't even know how to talk yet.

[A]

Two year old can't talk.

[B]

She can stop talk. Three years old, they can start fully talking. Two year old, they start learning words and sentences.

[A]

My studies bullshit is an additional 600 bucks. So we're talking like 1600 bucks. There unknown spending. We don't even know what this is. We're going to find out. This is usually Amazon, Walmart, probably you $2,000, dude. This is insane. This is insane. In every measurable way possible, this is insane. And that's why I'm here. That's why I'm here. Yep. Ding, ding, ding. Ring the bell. Celebrate.

[B]

Woo.

[A]

There's confetti falling that the editor put in. I'm glad we hit it. Well done. That's why you're here. No, I just like, listen. That's why you're here. For me to tell you you did 1111 11. Big guy. Do you budget? Is there anything, Is there any indication of any semblance of attempting to do anything here?

[B]

I wouldn't say I budget, but I put down in my notes on this app I have everything laid out, how much it is and where it goes.

[A]

This app?

[B]

Yeah, I have an app that tells me where all my bills go and how much it is. So I kind of know roughly where I'm going.

[A]

Why not just use the budgeting app?

[B]

It's not a budgeting app, but that would be a budget on it. But realistically, I don't even know how to use a budget. Clearly.

[A]

Oh, for sake. I'll put you through the budgeting class. What the. That's insane. What do you think Your score is? 0 to 10. 0 being the worst, 10 being the best. Your finance score, what do you think?

[B]

Negative five.

[A]

That's not an option. So I'm going to assume zero.

[B]

I say zero.

[A]

Yeah, sounds about right so far. If you want to see where you stand in the world of finances, take the Hammer financial score assessment. See where you're doing really bad, where you're doing great. It is free@caleb hammer.com and if you don't want to be like a guest who ends up on the show, make sure you sign up for the Dollar Wise budgeting app. It is my preferred budgeting app. That is the one I use on a daily basis. Sign up for that free trial. If you like it, you can save a lot of money by signing up for the annual version. And when you do, I will personally sign my budget friendly cookbook that is going away in just a couple months and that will no longer be available. I'll sign it, mail it directly to you. Dollarwise.com learn more there links in the description as well. Okay, we gotta get into this because this is. This is. I have a checking account first.

[B]

Which not pretty is.

[A]

I don't even. I never start with checking accounts. So that means there this is something special. That means this is something special.

[B]

It starts with debt always as I say, negative. I'm currently negative in that account. Negative one anywhere from 200 to 300. Negative what right now you negative $255 and some odd cents. As some Automatic bills came through and I still don't have a paycheck.

[A]

Oh, oh, then you're grinding on the dash and not dashing. I don't have a paycheck. So you're not spending fifteen hundred dollars going out to eat it. Is it as easy as that? It is as easy as that. It's not even a question. It's not even a question. You. You tit. You absolute tit, dude. No, it's not even a question. If you can't pay your bills, you're not going out to eat your.

[B]

You would think it's that easy.

[A]

It is. It is, it is. As a faf to a faf. It is. It is, it is.

[B]

A lot of times you get home late, it's hard to cook.

[A]

How many hours a week are you freaking out? Doordash. You take a day. A day? A day. One of your hours working. Doordash. A day?

[B]

A day. Probably ten.

[A]

No you doubt. You're sitting in a parking lot ordering doordash to your car. You. 10.

[B]

No, it's 10 hours actually.

[A]

10 hours is getting back late. What are you?

[B]

Maybe 7?

[A]

Oh, no, actually.

[B]

Really?

[A]

7Pm, 2 hours after 5. Guys, we got back so late. You're framing this as you got home at midnight after the grind at the factory.

[B]

This is just on the weekends now that I have a job when I was out there.

[A]

And what time do you get home from the job?

[B]

About five o'. Clock.

[A]

Oh, so late. Traumatic. You're almost dead. You're so. What a sympathetic message. Oh no, I get home at 5 when most people are getting off. By the way, you. Ah, oh, oh, oh. I'm gonna be such a dick this episode. Oh, you are. Oh, what an animal. Yeah, you started with negative 22, now you're negative 5. I don't. I don't even know.

[B]

It's hard to comprehend.

[A]

It's. It's not. It's just like your. Your existence is insane. And that you're just excusing it with I got home late at 5pm makes me want to die. It's not hard to comprehend. It's miserable. What do you do when the account's negative?

[B]

You hope you get some money.

[A]

And how do you get that money?

[B]

Either go doordash or you go work a side job helping some people out, weed their garden or something.

[A]

Or I'll tell you what actually happens. You rely on your wife to pull the account. If the negative. With your paycheck. With her paycheck.

[B]

More or less, yeah.

[A]

Relying on the wifey which, honestly, we should be doing in a joint checking account anyway, so I don't know. But it's weird that you have to pull from your wife, who's like a roommate glorified, that you stick it in.

[B]

But I want a joint checkbook because then she goes in there and probably would take money that. That I'm out doing stuff with.

[A]

That you're out doing stuff with. What are you out doing stuff with?

[B]

Paying the bills, going. And probably doordashing, eating out, maybe Going. Buying the groceries.

[A]

And you're opposed to that? Her seeing that her. Cause she'd be contributing 32.

[B]

Complicated. With the whole budget that I don't have.

[A]

Well, then it's not complicated because you'd be building it from fresh. You're not changing something that already exists.

[B]

But it would complicate how I go and pay all the bills and where.

[A]

This is how you pay your bills. This is more money. Put it in a pile. There should be one. Bills.

[B]

Yeah, I wish I could say that.

[A]

Well, why can't you?

[B]

Because all the bills are technically all in my name. She only has two cards.

[A]

It doesn't matter whose name it is. We're married. We're in a partnership. They're all our bills.

[B]

Yeah, I just take control of the finances and.

[A]

How can you take control of the finances? You can't take control of anything. Do you not trust her?

[B]

Not with the bills. No.

[A]

No, not with the. But you can still pay the bills from the joint checking account. Do you not trust her to be joined?

[B]

No, I don't trust her with the money at all.

[A]

Why? Why?

[B]

Well, because when she was married to me, she actually was in debt and I was actually free. Well, she's married to me.

[A]

Roll that back.

[B]

No, I don't trust her with the money at all.

[A]

Why? Why?

[B]

Well, because when she was married to me, she actually was in debt.

[A]

Okay, you just said when she was married to me.

[B]

When she is married to me, technically. I'm trying to.

[A]

When she is married to me. Is she. Not right now, but she's gonna be soon. I'm so confused.

[B]

She's married to me.

[A]

Why do you have to qualify with that? I'm so confused. What are you trying to say?

[B]

I'm not trusting her with the bills.

[A]

Why?

[B]

Because I have control issues with that. I used to be debt free, she wasn't, and now it's flipped.

[A]

Yeah, when were you debt free?

[B]

I actually. In college.

[A]

Okay, dude. Big guy. Oh, you're 27. Okay, I was thinking 35. Gotcha.

[B]

It'll get better.

[A]

Well, what.

[B]

As time goes on.

[A]

How? It gets worse for many when you're on this path.

[B]

I mean, once you get in your 30s, don't they say everything gets better?

[A]

Colton. Lindsay. Do they? I just turned 30. I don't know. We don't know. We just turned 30.

[B]

Unconcluded, right? Yes. My life is complicated.

[A]

No, it's. You're being a dumbass and you're not willing to be a partner with your wife. No. But you're not willing to partner with. With your wife. There's no time to fix it. If you're not willing to do something, it's. That's done.

[B]

But when she gets her paycheck, I just take it and I pay the bills and when my paycheck comes in, I pay it also.

[A]

You take it?

[B]

Yeah. I pay off her truck and all her bills. She doesn't have many bills. I say bills meaning two.

[A]

Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, invest and budgeting real estate. Basic beginner stuff in finance, all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever like literal tens of thousands of people have done with our programs, go to Dollarwise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com let's go.

[B]

She has two cards and a truck.

[A]

Does she have money when you take her money? No. You said you take it.

[B]

Yeah, I give her about 30% of it.

[A]

You tax 70 mm, pay all the bills. What the. Are you guys traditional?

[B]

Yeah.

[A]

She's okay with this. Yeah.

[B]

That'S just how we agreed upon.

[A]

Doing her on the post show. I need to call her on the posture. This is insane. That that feels so controlling and weird.

[B]

Some would say it's controlling, but some I just did. Well, me, I think it's come kind of Normal and how I do it. I'm a control freak. I can't.

[A]

You saying if you're defining yourself and you have to use the word freak, I don't think that's considered normal to me.

[B]

It's normal in my mind.

[A]

Yes, it is.

[B]

I pay all the bills they get paid. And if it goes negative, it goes negative. You got to live somehow. You don't want to be late on your bills. So if it goes in your account and it gets negative. Well, money comes in. It comes in and helps.

[A]

Dude. To the drug addict, it's normal to sleep on the street. That doesn't mean it's good and normal.

[B]

Okay.

[A]

No reflection, apparently. Gotcha.

[B]

Nope.

[A]

But you were blaming her for her teemu. Well, on her 30, when you take 70, that's.

[B]

We could probably have more money to pay off more bills.

[A]

You mean more money that you take.

[B]

To pay off more of bills.

[A]

Bills that you got into.

[B]

Yeah, but it's a joint effort. When you eat doordash at night. It's not just for.

[A]

So that's the joint effort when it comes to the mis. The. The. The spending on the things you wanted to join after. When it comes to taking care of responsibility and paying bills, it's control freak. Yes. Okay. Affirm. Affirms. A hundred dollars. Hundred dollars. Apple cash. That on $120. Amazon. Amazon. 216 there. Then 52. McDonald's, 24. Amazon, 85. What the. Zelling out. 150. Subway, Kindle Perkins restaurant. 50 bucks. Leanne Chin, 300. Huh.

[B]

Love me some chicken from there.

[A]

Yeah, you're really on a diet. ATM withdraw. A hundred dollars going in and getting some bullshit. What are you stopping in at the gas store?

[B]

Normally just gas.

[A]

No, that's. You are not getting $4.73 of gas.

[B]

My Camry does. It's only an 8 gallon tank, so sometimes when I top it off, it is only $4.

[A]

You're not stopping in and getting some bevs?

[B]

No. Maybe a candy bar, but that's about it. But a lot of times it is just gas for about five, six bucks. On the bigger side, it's probably her truck.

[A]

Creature holiday, Panera Bread, McDonald's. Taco Bell, Atmitra Doll, 500.

[B]

Where'd that go up and vanish for bills?

[A]

ATM withdraw.

[B]

Well, that's kind of apple cash going into my checkbook.

[A]

It wasn't Apple cash. I see apple cash and I comment on Apple cash.

[B]

ATM withdrawal.

[A]

ATM withdrawal.

[B]

Hmm. I don't remember about that one.

[A]

Famous footwear. $135. That one actually might be gas after that for 15. 20. Chick fil A. Perkins Restaurant again. Applebee's. You're a neighborhood guy, aren't you?

[B]

Heck yeah. I love me food.

[A]

We've established that. Zelling out ten doordashing. Taco Bell, McDonald's, Rosemount car, something.

[B]

Probably a car wash car.

[A]

Should you. You're in Minnesota and it's in. It's not winter yet. If it's winter with the ice, I will consider it. Huh?

[B]

It gets dirty.

[A]

I'll off. Dude, it is. It is. It's Minneapolis.

[B]

The roads are still disgusting.

[A]

Shut up. You don't need a car wash yet. Dump a bucket of water on your car. Call it good off. Culver's. Taco bell. Selling off $350 Panera bread. Burger King. McDonald's, Chick Fil A. This is insane. Arby's, Orleans, Subway, ATM withdraw $126. Cooper whiskey. In n out. They have in n out there. It made it there.

[B]

No, I went for a bowling tournament in Vegas. I had to try in and out.

[A]

Very disappointing, right?

[B]

I mean, I should be, but I'm not.

[A]

No. In and out. Very disappointing, right?

[B]

I mean, I like it. It's not that good. Oh, well, that's what I mean.

[A]

Those were very pieces of information. I love when I very much enjoy things and say it's not that good.

[B]

It tastes good at first and then it's kind of just like McDonald's. It's bleh.

[A]

Don't sh t on McDonald's like that.

[B]

Honestly, McDonald's is not that good.

[A]

You are a fake. Fat.

[B]

Rather have Chick Fil a. Chick fil.

[A]

A is great too. Let's not pretend you're doing it for caloric reasons. In n out. In n out. The Orleans again. Mickey Finn's fish. Zelling out. 10 Cooper whiskey. Car wash again. Orland. Subway, Copper Whiskey. In and out. Cinemark. For someone that in and out sounds that good. You have been a few times all in one month. Going into the movie theater, you stop. You were not getting $3.51 in gas from Circle K. I do not believe that is a candy bar. You're stopping in and getting the $3.51 in a candy bar. The candy bar are you getting for $3.51? That's an insane candy bar.

[B]

Size three musketeer.

[A]

You can't go wrong with $3.51.

[B]

Yeah, that's how much they cost.

[A]

That's insane. Buy a bulk. Dude, I can walk into heb right now. Our Grocery store down here and get a five dollar pack of candy and have unlimited mini Milky ways. But it's so much more than a king size. Why do you refuse to buy in bulk?

[B]

Because it costs more. It's cheaper to buy just a singular.

[A]

I'm gonna die. I'm gonna die. I'm gonna die. This. The holidays have arrived at the Home Depot and we're here to help bring the excitement with decor for every part of your home. Check out our wide assortment of easy to assemble pre lit trees so you can spend less time setting up and more time celebrating. And bring your holiday spirit outdoors with unique decor like one of our Santa inflatables. Whatever your style, find the right pieces at the right prices this holiday season at the Home Depot. This is insane, dude. Everyone on this show stops in, gets their bull and they get it in such an expensive way. I mean that's what. Look, that's what you have right now. That's what you have right now. You have the gamer subs energy drink. That's why we started stockpiling this at the store here. Because you bulk buy it. It's so much cheaper. It's so much cheaper. And it's also delicious. I will honestly say that it's cheaper. That's why we want everyone in the audience to start stocking up on that gamer subs. By the way, link in the description because that is so much more affordable than you stopping in and getting the candy bar. Stopping in and getting a one off Red Bull. What are you getting? A Coca Cola Pepsi owned product. You, I don't know getting that and it costs like $3 a 10. I don't get it. Bulk buy.

[B]

You don't have the money to go and buy bulk right off the bat you buy the small stuff.

[A]

I have the money that you have.

[B]

I just like buying the smaller stuff. Why would I want a whole bag? Because then I'd be tempted to eat the whole bag itself.

[A]

Going to die. I'm going to die. You are just an animal. An absolute creature. An absolute creature. A creature. Look at that. Look at that. Their whole pack. The whole pack. Everyone on the show, it's always like a $5 energy drink. Their entire thing. That is 100 cups. 100 cups. Their top that is 100 cups is $40. $40. That's why we decided to partner with them because you 100. 100 comes to $40. What is that a serving? It's 40 cents. Instead of people like you who just stop in and get like a $5 thing or a $4 candy bar. It's doll. Buy bulk. Buy bulk. Yes you can.

[B]

You don't have $40 up front.

[A]

That's for the energy drink thing for all the energy drink freaks. You, you can walk in and get a five to seven dollars thing from the grocery store. Walmart, a big bag. We're approaching Halloween.

[B]

You know that cheap now where I live. It's 25 bucks for a 60 piece candy bag. Target.

[A]

I have it right here. 225 pieces. Target $10. And I know you have Target there. Shut up, shut up, shut up. Hershey's a sorted pack from Target. $8.29. You. It's there. It's literally right here. I will show you. I will show you. I will show everyone. Here it is. Here it the is. Zoom in on that. There it is. You see it? You $8 and 29 cents. I don't want to hear it. I don't want to hear it.

[B]

But again then it's a whole big bag that you don't want to keep. It's just one bar.

[A]

But you stop and get the one.

[B]

Bar to me, it's cheaper just to buy one bar. You're done.

[A]

To me it's cheaper. How can we two me numbers? You can't two me a number. You to me. You don't just two me that.

[B]

But it's easier.

[A]

Is it? You would already have it in your car. You just described how you door dash.

[B]

Actually on the way here. I do have a candy bar.

[A]

You just describe to me how you doordash to your car because you don't want to get out and get something. But that's what you're doing. Doing when you're stopping. Getting an individual candy bar.

[B]

Yeah, it's hard. I mean honestly.

[A]

With bacon crispy cream.

[B]

I had to get some Krispy Kreme.

[A]

I had to get some Krispy Kreme.

[B]

They don't have it in Minnesota anymore.

[A]

What?

[B]

They moved out of Minnesota and the only time you can get it is if you come down the Southernness.

[A]

What? Yeah. Isn't it still in Michigan? What the.

[B]

Why would I drive to Michigan when I'm already doing.

[A]

I'm just saying they're everywhere. I'm surprised they're not in Minnesota.

[B]

No, they moved out about four or five years ago.

[A]

I guess looking at you, I would trust you in your statement.

[B]

Oh, I would have plenty of donuts.

[A]

I am fact checking though. I mean Minnesota other than Minneapolis, I don't know what. There's nothing else there.

[B]

So it's like they are planning on to move back. I know that.

[A]

You're following the news, huh?

[B]

Oh, yeah.

[A]

There's a temporarily closed location in Minneapolis.

[B]

They used to have one in Maple Grove. They'd have one up in the.

[A]

They're all over everywhere else. Sounds like your problem. Okay, this is insane. Candy bar. McDonald's, Dairy Queen, golf. Fat dogs for $71. Hot dogs for $71.

[B]

When I was down there, you don't have money. But they venmoed me back.

[A]

Does he not look like the whale was just trying to save us from his own sad story? Hmm. Like I'm just seeing it. You're straight. But he had a kid too. Candy bar. Amazon, Amazon, ATM would draw $20. Zelling out 200. Zone out 30. Zillow 1000 selling out $8.13Amazon $37.99 holiday stations. Panera bread. Car wash again. Three car washes in one month. You, Zella and I, dude, in three. In one month.

[B]

It's a new car. It gets dirty, you go through a. I have.

[A]

I'm going to jerk myself off. You ready? Open up. Okay. I have a much nicer car than you and I get. It's like once every month. Once every two months.

[B]

Hopefully it doesn't rust.

[A]

It won't. And it's not winter yet. Rust you. Do you not know what causes.

[B]

Oh, it's salt. Trust me.

[A]

No, you're not in that season. In fact, this was July. Zelin out. Sweet. Needs Amazon. Applebee's. Oh. Oh. This is why they put the checking account up front. So that they could kill me. Your bank might not be your friend. I see so many people on financial audit get stuck in vicious cycles of paying off late fees, overdraft fees and interest from their own bank. Which is why I'm excited about Current. Current isn't a bank. It's better with current. Your money actually works for you. Qualifying members can get up to $750 with paycheck, advance fee free. Overdraft covers when you accidentally go a little over. And you can use the build card to actually grow your credit. No credit, check, no interest, earn up to 4% APY in savings pods and access 40,000 plus ATMs without fees and get 24.7live support. It's not just banking. It's banking that actually has your back. Join millions choosing better banking. Go to current.com hammer and use code caleb50 to get $50. Start building, saving and breathing easy. See their website for terms and conditions. Amazon, McDonald's, Taco Bell, Amazon, Amazon, bear bread. Target. IHOP. $43 a IHOP doordashi. Taco Bell. That was cheaper than you're going into ihop Somehow Target, we already know you go there, get your candy bars. Cheaper. Target, he went and got a candy bar, I think at the checkout line. Oh, Aztec Mexican restaurant. And I guess that's the most ethnic we can get up in Minneapolis.

[B]

They do have some good burritos. Pretty good burritos.

[A]

Uh huh. Uh huh. Oh. Candy bar. Zelling out. Candy bar. McDonald's sweet needs. This is one month, ladies and gentlemen. This is one document. One month. One document. One month.

[B]

I'm no whale for no reason.

[A]

Huh?

[B]

I'm not the whale for no reason. I like eating. Oh. Like I said, many times is so hard.

[A]

Your cope is so hard. Unfortunately, that cope was probably not gonna let you see 40 years old candy bar. Candy bar. I wouldn't be laughing at that. That's very real candy bar. PayPal and out holiday doordashing double dies. You got premium Perion, Savage El period. A parian.

[B]

Another Mexican joint.

[A]

Bull DoorDash, McDonald's candle candy bar. Oh, we've a picture.

[B]

Wasn't that bad, was it?

[A]

Editors put in just a glowing halo of beauty and amazing angelic noises because I am celebrating. I am celebrating. Oh, I'm so happy we're done with that document that brought us to 50 minutes. That is insane.

[B]

My life's complicated. What can I say?

[A]

Your life's not complicated. You're a degenerate. Said $102 overdraft fees this year so far, which is now probably 150 after where we are this month.

[B]

This poor wife cheats out with me. That's why they're so.

[A]

The guy is forcing her to give 70% of her income and then he the house. This poor wife. No offense, and I'm sorry to do this to you because you're on the show and you're a part of the audience. I love you for that. You're the villain.

[B]

I don't think about it that way.

[A]

You are the villain. You take all her money, you have kids, and yet this is how the finances end up. You're the villain, but the bills get paid. No. Even if it's you're overdrafting. I don't know. I don't know. We're gonna find out. Paying bill overdrafting you. I don't know. We'll see. We'll see if they get paid. Honestly, every time I hear that there's usually late fees and seeing that we already Are opening with hundreds of dollars in overdraft fees.

[B]

Rarely been late on bills.

[A]

I wouldn't trust you for anything.

[B]

Rarely been late.

[A]

Rarely is. Still. Yeah. Are. By the way.

[B]

The only time I can think of one is once. And I know that for a fact. I know I'm fact. Yeah.

[A]

The only time I can remember. And that's a fact.

[B]

It's been.

[A]

You contradict everything with your language.

[B]

That's my personality.

[A]

Or does. Has Tim Waltz cut all education funding in Minnesota?

[B]

I don't know. I don't do politics with them.

[A]

That's not politics. I'm just asking if everyone's there. Maybe. Like I'm concerned for the schools based on this conversation. I just happen to know the governor because he ran for vice president. That's not.

[B]

Hey, I graduated, so that's something. Went to college.

[A]

That's why I'm questioning. That is again why I'm questioning. You are not making that better. Hmm.

[B]

Not making it better. But at least I'm living my own.

[A]

Life for the next decade. If you're lucky.

[B]

Eh, maybe more.

[A]

Maybe's such a boost of confidence. Okay. A firm, I think first debt. What's going on with this?

[B]

That is a firm. If that's Home Depot, that's either a washing machine.

[A]

Oh, I do see. Home Depot. $3,780.22.

[B]

Nope, that's the riding lawnmower that I bought.

[A]

Yeah, we would hate to get any.

[B]

Steps in, but mowing an acre of lawn is actually pretty hard. I don't care how fat or skinny you are. It's actually a lot with a single push mower.

[A]

Yeah. An acre. Sure. Fair enough. But for also what it's worth 1. You cannot afford it too. You could have subsidized for a long time having a mow the lawn for very cheap.

[B]

Cheap what?

[A]

Numbers dollars.

[B]

I'm confused. What?

[A]

Remember the burrito restaurant you went to?

[B]

Oh, yeah. Yep. I'm confused.

[A]

What someone would mow your lawn for cheap.

[B]

Oh, yeah. No, up there, it's $120.

[A]

I had a quote from one company.

[B]

Multiples.

[A]

They all give you $120 on site.

[B]

It's within the range of 100 to 120 to mow that good MO once a month.

[A]

How long can that last us? And that's seven months a year, every other week.

[B]

Because there is ordinances in our city that you can't be more than two inches long on your lawn.

[A]

Okay. Times seven. So that could get you about two and a half years based on when grass Is actually growing in Minnesota. That would be two and a half years. Instead of yourself now.

[B]

It's not as easy as affirming a mower, actually.

[A]

No, it is, because they just show up and do it.

[B]

Yeah. But I'm kind of anal about stuff like that. I have to mow it my way.

[A]

Wait, no. Colton's telling me the lawnmower was a flip. What does that mean?

[B]

Yep. I was forgetting. What? I had to flip it because we had no money. So I took that and sold it on Facebook Marketplace. It was newer, so I took that as a whole.

[A]

You don't even have it anymore?

[B]

No.

[A]

Why the. Did you talk about it for five minutes?

[B]

I had to flip it for some quick.

[A]

You are bad at conversation.

[B]

Yeah, some can say that.

[A]

What happened and what are the numbers?

[B]

I think in total on that loan, it's 2,700 for the mower. And then after fees and taxes, it was like 36.

[A]

I have the number. I'm talking about. You just told me you sold it. Dude, you're so bad at.

[B]

No, that's literally what I sold it for was 36.

[A]

You sold it for 36. Why is this balance still here?

[B]

Because I took the money and put it in my account to use it as a loan to get me by. I took the cash from selling it on Facebook and took that money and used it for everyday bills and whatever I had to dos for.

[A]

How long you spent $11,000?

[B]

About a month's worth. Wasn't proud of it. Didn't want to get rid of it because, honestly, I don't like mowing, but that's what I had to do.

[A]

Yes. How's the lawn being mowed right now?

[B]

Single push mower.

[A]

So you could have done.

[B]

Only takes two days to mow it.

[A]

But you do it.

[B]

Yeah, but it also costs a lot in gas.

[A]

So you could have done it. Because you're literally doing it right now.

[B]

Could have.

[A]

So this was a debt that did not need to exist for any reason whatsoever. And now it exists for nothing to show for.

[B]

Didn't need to happen. But it's honestly a lot better doing it that way. It's quicker.

[A]

You don't have it.

[B]

I don't have it. No, I don't.

[A]

What made you sell it?

[B]

Because we needed the money. Oh, you do stupid things when you're in need of money.

[A]

Oh, shut up. Shut up. You spent you.

[B]

How much was the mower in total? 36.

[A]

No, the mower before all the fees and bull. It's like 2727 you spent $2,000. Minimum, minimum, minimum, minimum, minimum, minimum, minimum on bullshit. That's a two year minimum. And I haven't gone through your Amazon yet. 2000aminimum. Bull. You. You could have cash. Well, not cash flow because you're going into debt for that anyway, but two months of your bullshit and you would have paid for this whole thing. You let some. That's. That's cope to the extreme. That is cope to the extreme.

[B]

Desperate times. Desperate.

[A]

Home Depot.

[B]

That's the washing machine.

[A]

Hold the on. Okay, one second. Okay, so I'll call this lawnmower then. Tito's handmade vodka is America's favorite vodka for a reason. From the first legal distillery in Texas, Tito's is six times distilled til it's just right and naturally gluten free. Making it a high quality spirit that mixes with just about anything from the smoothest martinis to the best Bloody Marys. Tito's is known for giving back, teaming up with non profits to serve its communities and do good for dogs. Make your next cocktail with Tito's. Distilled and bottled by 5th Generation Inc. Austin, Texas. 40 alcohol by volume. Savor responsibly. First one lawnmower, you owe $3,780.22. No asset to chauffeur, of course with a minimum to payment, it looks like $164.42. What's the interest rate?

[B]

Between 30 and 31. Typical Affirm loan.

[A]

A firm, by the way, is typical 35.

[B]

So no, it's not bad.

[A]

No, it's probably 35.

[B]

Last time I looked it was 31. I could be wrong like everything else.

[A]

Oh, you're. Oh, you're okay. I see another Home Depot firm. This is for $650 with a minimum depayment of 54. 24 also probably at a 35% interest rate. For what?

[B]

That was a washing machine. I had to basically buy a new one for my landlord because he claimed that we broke his.

[A]

And did he force you to?

[B]

More or less forced us.

[A]

No, no. Right then you had to get it. Right then you couldn't get it when you moved out.

[B]

No, we didn't move out. We were still in that same house.

[A]

I know. Oh my. Dude, he is. Oh my gosh. Colton saved me. I'm saying he was forcing you to buy it right then. Right there. You couldn't have bought it when you were moving out?

[B]

No, no. Right there.

[A]

Okay. Which I honestly don't even believe. I don't even know if you communicated or even understood what was happening. But what the are we doing? Oh, you're late on two payments. I thought you just told me you weren't ever. And you're paying your bills. That's what you were bragging about? No, you're behind. No, Colton's telling me you're late on two payments.

[B]

Oh, yeah, that's on a different one on here.

[A]

You were. You. You.

[B]

You were bragging on my checking. Yes. Not affirmed. That's different.

[A]

Qualify that. You.

[B]

You can't go negative on a firm. It's just loans. Yes, I'm complicated.

[A]

You're not complicated. Stop saying that. You are a moron.

[B]

I don't think I'm a moron, obviously, but you.

[A]

Great. You got a washing machine. Did he dictate which one to get?

[B]

No, I just bought him the cheapest front loader, similar to what he had. If you want to think about it this way, I actually made 300 on that because at the time, it was on sale, so it was a good deal.

[A]

I think that's money in your pocket when you say made. No. Then you didn't make 300.

[B]

Still. Good deal.

[A]

I'm going to die. This is insane. What the. What the is this episode? What the is this? Okay, okay, how about this? We got Home Depot. We're back for the third time. $882.71 out on this one. Probably a 35% interest rate. Minimum payment, $68.12. What is this for?

[B]

That I can't remember. There's a couple of them that you just kind of forget. You just make the payment.

[A]

You're not even. You're not even a quarter of the way paying through it. And you don't know what this was? It's not the quarter of the way done. It's not even a quarter of the way done. You've. Dude, can't remember what that. No, no, no, no, no. You went to Home Depot and you spent eleven hundred dollars. What did you get? Come on, come on, come on.

[B]

Can't remember.

[A]

Come on. This is four months ago. Four months ago. Four months ago, you walked into Home Depot and spent 11 to $1,200, and you can't tell me what it was?

[B]

Can't remember.

[A]

Okay. Colton thinks, based on the conversation, that it's for paint and a couch.

[B]

Yep. If that's what I'm assuming it is. I tend to forget things really quick. We moved into this house in the rental. We had to get things.

[A]

You didn't have to get paid. And Facebook Marketplace. A couch, you tit.

[B]

Why Would I want someone else's beat up couch?

[A]

Because the rich people just get rid of it for free.

[B]

Oh, there's no one rich up in Minnesota.

[A]

Yeah. Oh, you moron. There's rich people everywhere. Minneapolis is a major metropolitan area.

[B]

Yes, there's rich people in Minnetonka, but.

[A]

There are rich people in Minneapolis. You absolute, ah.

[B]

Still don't want someone else's used couch. You don't know what they did on it.

[A]

Oh, you get it nice and cleaned and then you on it and claim it as yourself.

[B]

Yeah, why would I want to on the couch? That's kind of gross.

[A]

On a couch with you anywhere.

[B]

Yeah, but not on a dirty couch. That. I don't know who had it before me.

[A]

Clean it, you beast.

[B]

With what? A cleaner?

[A]

Yes, a cleaning.

[B]

One of those steam cleaners. No, that doesn't do much.

[A]

Oh, well, you're gonna. You don't know.

[B]

They could have cockroaches. You don't know that.

[A]

You would see that. You would see that. You would see that.

[B]

A lot of times they don't come out. They're like bedbugs. They hide until you find.

[A]

Oh my. He sucks. Painting. Okay, you did not need paint. Can we at least.

[B]

Oh, we did acknowledge it was a green room. It was lime green.

[A]

Good. And you accept it. You accept it because that doesn't matter. In your actual life. This was a wand.

[B]

It has to be tan like the rest of the house.

[A]

Okay, here's Amazon. This is Amazon. You owe 805.89. You've paid 1770 so far. What did you get? What did you get for about $3,000?

[B]

That was living room stuff. Before we moved into this house, that was like a book.

[A]

You can't get used to Kenya at all.

[B]

No, has to be nice.

[A]

You don't live that life. When did you move in?

[B]

We moved in just under a year ago.

[A]

Okay, okay. You weren't making dick. You don't live this kind of life. The minimum payments, $34.91. No, hold on. I actually don't know. I'm going to just assume it is. Pull up your Amazon on your phone and start a screen recording for me. Wait a minute. Can I just be honest? This show blows my mind. I film four of these a week and I. The first five minutes or so I'm like, okay, oh, this is. You know, we're just. I'm talking to a person. By the time I'm 30 minutes in, this show never fails to blow my mind. How did we. How. How are we here? Right now. How are we making this? How are we making this show together? All of us in this room right now? How are you here? How have you made it to this far in life? Especially with that figure. This is crazy. This is insane. This blows my mind. This blows my mind. They left you on a plane. Give me this. Okay, screen recordings happening. Oh, he has the new glass update. Not a big fan. I'll be honest as an Apple simp. Not a big fan. Oh, that's volume. Why don't you have your screen brightness? Oh, you have it in weird. Okay. Okay. We got four princesses, four unicorns. Dog furniture and accessories. Dollhouse, Green Bay. You.

[B]

Oh, that's my wife. Not me.

[A]

Okay.

[B]

I don't watch football.

[A]

I'm glad your wife. Okay, you are the of the family.

[B]

I watch football. I don't.

[A]

Beta. She's the man. Gotcha. You got glitter hairbrush. Definitely didn't have brushes. Bobcats.

[B]

Don't know what that one is.

[A]

That's another Montana state.

[B]

That's another wife one.

[A]

Okay, again the mask one. Yet you control the money. I think I trust her. And I feel like I can't wait to talk to her in the post show. More football. More sports hats. Love the brain book. Love. Theoretically, this relationship's not going well. Book. Green Bay packers bow tie. We got pens. That's fine. Three year monthly planner. Great. Critical for life. Return completed. Someone's in your driveway. I'm putting your phone on. Do not disturb.

[B]

It's probably another score.

[A]

I also don't see that. Is this the update or is your button layout just horrible?

[B]

No, that's the new update.

[A]

Where's the do not disturb ring? Someone's in your driveway. I'm thrilled. I would like to disturb. Where is it? Where is it?

[B]

Possibly all the controls I need is right there.

[A]

Except for do not disturb of which was a requirement when you walked into this room. Okay, what are these? Trash bags? That's fine. Once a return. No, wait. This is not all your orders. I saw so many purchases. Your orders. Since when?

[B]

Probably recent.

[A]

Last three weeks, 30 days. Okay, that one's returned. First day of school, shirt off. Sleeper book thing. Oh, that is.

[B]

Wife likes to have a little fun with that one.

[A]

Yeah, it's 8.7 inches long. Realistic dildo with strong suction cup. Double layer silicone.

[B]

See, I'm not all that bad.

[A]

Are you sure? Because again, this is. You're not that bad. This is to compensate.

[B]

No, both at one time.

[A]

Truck.

[B]

If you want details. That's both at one time. Hey, you gotta spice up the marriage somehow.

[A]

Truck, bed thing. Baby things. Lots of baby things. Lots of books. Okay. I see she went for the very tanned and cut flavor. And she was.

[B]

Well, I mean, she probably doesn't want.

[A]

Sorry. She selected red instead of.

[B]

She's not into those people. I'm sorry. She's Danish. What can I say?

[A]

What? What?

[B]

She's Danish. She likes white people. She's not racist. But she likes white people.

[A]

She's not rac. Racist. But she hates the blacks.

[B]

Didn't say she hated blacks. She doesn't hate black people like that. Like that in bed. It's a dildo. She likes it in bed with white people. Yes, I know. Trying to make sense of it. It's hard. What can I say?

[A]

You probably shouldn't have said that. Okay. This Amazon's basically brand new, I think. What's this Amazon for? It looks like it was a purchase of $320 just recently.

[B]

It was recent. That was probably.

[A]

Is that the dildo?

[B]

Probably.

[A]

Okay, we're calling this one the Dildo. Paid a little extra to make sure it's the right race. $242.30 minimum monthly payment. $80.76. Nope. $13.46.

[B]

It's one of the cheaper ones. Oh.

[A]

Okay. Amazon. Halfway done paying this. Looks like you purchased 250 bucks five months ago. What was that?

[B]

Amazon? Yeah, probably just more basic stuff.

[A]

Okay, I'll just call this bull.

[B]

It's a lot of just everyday things that the wife wants.

[A]

Everyday dildos. $26.48 minimum payment balance, 144.73. How old's the wife?

[B]

24. It's pretty good looking, too.

[A]

Sure.

[B]

Matter of fact, it's right on my screen.

[A]

Let's see it. Do we have. Do we have consent to show her face? Not the kids.

[B]

Not right now, as she's currently a teacher.

[A]

Okay.

[B]

And I don't want to put her out like that.

[A]

No. But I see it. That's okay.

[B]

Yeah.

[A]

No, we won't put it in there. That's fine. All right, listen here. Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below the first one. I've moved my investments to webull. Do the same and transfer to my investing app of choice. And you get cash bonuses of $200 all the way up to $30,000, depending on initial funding amounts, and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from Sofi and it's called Chime chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up. Incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch the helium. Get a literal zero dollar a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. Take the [e-mail] you will not regret any of these. Change your life today. Okay, now I know what the woman's like. That's taking a 9 inch.

[B]

7.8 to be exact.

[A]

Oh, sorry. 8 inch too much for. I want to exaggerate. No, of course not. Delta Airlines. Looks like he just did this about a month ago.

[B]

Yep, that was the flight to Vegas. Vegas.

[A]

$606. Again, these are all at 35% by the way. Usually 35.99% is what a firm is at. You are fueling their entire stock price. $55.25 is the minimum payment. I don't even know what to say. $606.

[B]

A six month loan.

[A]

What are we doing? No, it is not. It is 11. It's 11.

[B]

11. No.

[A]

Yes, it's 11. You.

[B]

Yes, there's.

[A]

You're just not a debt person. I'll set you up with the fizz card. Debit card that builds credit. Okay, I'll set you up with that. So you can't spend what's not in your checking account, which was a problem for you if you ever want to get a higher paying job. A lot of people in our audience have used course careers so I'll set you up with one of those for free as well. It's good certification program and I'll also get you on the Weeble app. Okay. That way you. Well, when you're ready to invest, you can throw money there and get boosted apy for money that's just uninvested. It's a good savings place. I'll get you set up with all that for free. Plus all of our education programs. So sake. You're just not a debt person, man. Oh, okay. But you also just did a price line Thing A month ago.

[B]

Yep. She went to Texas to visit her dad's while I was in Vegas because the grandparents.

[A]

You guys are uncontrolled. $257.69 left. You guys are uncontrolled. And also $23.43 a month. Again, we're at like 35% interest. This is forever Expedia. Is this the hotel?

[B]

Yep. For her.

[A]

I'm gonna die, man. Okay, we're at $156.41. Is there anything you do not affirm? Actually, the question. The answer is yes. Because your checking account was also madness. This is insane. You aff everything, yet you also blow all your money. Everything's easier. Why? That doesn't mean.

[B]

Because it breaks it down in payments. Yeah, it's easier to control it month to month basis when you have.

[A]

No, but look what happens when your payments hit. And now you're negative $550 right now. That's because you've stretched your life where you put everything on minimum depayments and now they've all stacked so high you can't afford minimum payments to save your life.

[B]

Makes it easier. That's all I can say on you.

[A]

Except now you can't make your payments.

[B]

When you go unemployed. That's how it happens. When I was unemployed. Yes.

[A]

We're not. And this was last month. Another price line flight.

[B]

That was my flight.

[A]

To where?

[B]

To the Vegas.

[A]

What? I just had that with Delta.

[B]

Yeah, the flight home. It was one way tickets.

[A]

You got them one way round trip.

[B]

Actually was more.

[A]

You are a dude. You. I don't know. $167.98. Are you embarrassed?

[B]

Yeah.

[A]

Good.

[B]

Now actually, having someone tell me about all this debt. Yes.

[A]

Oh, this is Menards. Now, that's Midwestern to its core. So it's the worst. Home Depot.

[B]

Yeah.

[A]

It's where my parents met.

[B]

Really?

[A]

Isn't that cute?

[B]

Hey. I mean, little flannel. Why not? Yeah, that jingle gets old.

[A]

What the. Did you get some.

[B]

Probably some basic stuff for the house.

[A]

You don't even know. This is just a couple months ago. 360 bucks. Okay, I'll call.

[B]

Furnace filter is probably about 40 bucks a pop right there. It's a newer furnace that he put in for.

[A]

You had to pay for the furnace?

[B]

Yeah.

[A]

Why? This is a rental.

[B]

Because when we moved in, he told us that certain things are on us. And then when we moved.

[A]

Did you sign the contract that stipulated that?

[B]

We didn't really look it through that.

[A]

Well, if you did, then that might be Right. But I would also talk to maybe a lawyer. And also Colton's telling me it's for a grill.

[B]

Yep. I have hard memory trying to remember a lot of things of what I buy. I mean, honestly, there's a stack of paper. It's hard to keep track. It's almost like a bank account. When you use a firm, you kind of forget about what you buy. You have it, you forget the loans there. And then it just tells you you need to pay it.

[A]

Minimum payment, $30.22. Balance $302.24 for a grill. A critical necessity for life that your family would not get.

[B]

$120 grill. You have to get a nicer one. That's.

[A]

You can also just not get a grill, you creature.

[B]

What are you gonna grill? Burgers?

[A]

I like Ridge Wallet.

[B]

Yeah, they're pretty cool.

[A]

They were a sponsor once, but I still support them even though they didn't come back. They're good. You just can't afford it.

[B]

I had to get a new one because they didn't want a lifetime warranty. Mine.

[A]

You can get a little Amazon Wallet cheap.

[B]

Why win a Ridge Wallet's better.

[A]

Because you can't afford it would be the answer to why be why? Because you can't afford it.

[B]

It's nicer that everything's protected, but it's protected. It's rfid. If I get a basic leather one. Well, I've had my stuff stolen multiple times.

[A]

Stop leaving it places.

[B]

Oh, it's not leaving it. People taking the numbers or something.

[A]

$115.15 minimum three payment, $10.04. Buddy, I just. This is insane. You just get everything you cannot afford.

[B]

Seeing that now? Yes.

[A]

Yeah. Seeing that now somehow it's easy.

[B]

It's a one click button. You're approved, you're good. You just don't think about the payments in the moment.

[A]

Alina Health. This was the thing you blamed all of your on at the beginning. And this is one of the smaller balances on all the affirms out of the 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12. We've been through so far and this is what you set the conversation up with to begin with you, I put.

[B]

My medical bills on there because when I had the money, I was paying for them. So that bill was like 1300 to start. And then at the time when I couldn't pay it, I just put it on there because you can use it.

[A]

As your medical bills or your daughter's.

[B]

All of ours, that's all the one count $361.81.

[A]

What happened to you?

[B]

Basically tripped and fell and sprained my ankle.

[A]

Stop. $36.24 is your minimum payments. Balance is $361.81. Also probably at a 35% interest, which doesn't make sense. Do. The payment plan at the hospital is zero percent interest.

[B]

You have to have credit for them.

[A]

Oh for. Seriously?

[B]

They run your credit and they tell you.

[A]

This one just says a firm virtual card. So you're just out there swiping. Okay, so this one's just straight up a firm virtual card.

[B]

That's the online one that's named. That's another medical bill.

[A]

Oh, okay. We'll call this medical then.

[B]

That was one of the ones that they would not do with me in payment plan.

[A]

$204.88. Minimum payment $17.08. Crazy. Okay, we're done with the firm. Thank. But even worse, Credit one. The enemy of all credit cards. This showed up in the mail one day and you're like, yes, please let me destroy my life.

[B]

The first one. No, I signed up for the first one myself.

[A]

Second one showed up.

[B]

Second one showed up. They had a really good APR. 0% for the first five months.

[A]

Five months.

[B]

For five months. It was an odd term, but I took it because I wanted to use it as just a gas card.

[A]

Oh good. You're over maxed out. I pay my bills, guys.

[B]

Pay the minimum.

[A]

$64.52 Interest $14.72 fees $8.25. Minimum payment $34. He purchased on the horrible, horrible, evil credit one card. $8.25. What did he purchase on two McDonald's.

[B]

On that horrible card just in that month? Yes.

[A]

That's so stupid. It puts you above the limit. You're losing endless interest and fees on a monthly basis here.

[B]

What can I say?

[A]

You can say don't do this and close it. Close the card.

[B]

Yeah, but doesn't hurt your credit.

[A]

I don't give. Your credit's nothing. Who gives a.

[B]

It's actually six. Ten last time I looked.

[A]

Yeah, that's not good. Close it.

[B]

I thought it was better than normal. 720 is normal. That's what I'm taking it as.

[A]

Huh?

[B]

720 credit score. Isn't that normal?

[A]

It is normal. And you said you're 610.

[B]

610 is 300.

[A]

You just said you're better than normal. And then you said normal is seven.

[B]

I'm normal. 600.

[A]

Editor. Roll it back. I don't give your Credit's nothing.

[B]

Who gives a 610 last time I looked.

[A]

Yeah, that's not good. Close it.

[B]

I thought it was better than normal. 720 is normal.

[A]

What the are you?

[B]

Can't say. I don't know.

[A]

I know, I know. Answering questions very difficult. Oh, we're at a 28.24 interest rate.

[B]

It's better than the firm.

[A]

Quicksilver. What's going on with this card?

[B]

I don't expect it. The big one or the small one?

[A]

I don't know which one's which. Okay, how about this? This one's at $3,245.73 min the payment. $116. What's going on with it?

[B]

That one was supposed to be my everyday card. That was my first card.

[A]

Would you have an everyday card? You can't manage cards to save your life. Who are you to have an everyday card?

[B]

Cuz I claimed bankruptcy about four years ago.

[A]

No you did not.

[B]

I did.

[A]

No you did not.

[B]

And they offered me that right after bankruptcy so I use that.

[A]

Ladies and gentlemen, why we do not debt consolidate bankruptcy credit card transfer pull from 401k to take care of our debt situation until we fix our behavior and show that we can at least maintain a solid budget without around for three months. Because then we end up right back here again. This is another instance of it popping up as usual every time it happens. I'm gonna die. This takes 17 years to pay off if you do minimum the payments only without any purchases. But guess what? Oh, you purchase. You purchase 130. $193.97 to be exacting. Guess what? Open this right after bankruptcy. Oh, we're over the limit by $125.73. Kill me now. Why?

[B]

You gotta live.

[A]

You gotta live.

[B]

Yeah, you won't be.

[A]

Put groceries on with McDonald's candy bars, Apple bill hotel and casinos. Oh, golf Rosemount car spot. There's. There's a fourth. There's a fourth one. A fourth one this month. You car wash so stupid. So stupid. Appleville. Appleville off. Pull up your phone again. Start a screen recording. I'm going to die. I'm going to die. No, not this. I don't give a about that. Dude, you get notifications every five seconds. Build Tracker Pro $20 a month.

[B]

A year.

[A]

Oh, that's okay. That's pretty good. Listen, but that's not as good as a good budgeting app like dollar wise whatever sticker go Paramount plus off Apple TV plus Golf iCloud plus I mean, that's the one I can. One I can allow. It's just insane, man. It's just insane. Just don't know why you allow this. Just don't know why you even allow this to yourself. Almost $400 in interest loss this year so far. We're back to credit one, ladies and gentlemen. We made it. It.

[B]

It's the second out of the third card.

[A]

Oh, my gosh. There's still so much more to go. $680 at least once. This one's only maxed out and not over maxed out. $680.93. Minimum the payment. $35. Yeah. $60 of fees, $60 of interest. Taco Bell. All that for Taco Bell, huh? And almost 30% interest rate.

[B]

It's been maxed up for two months.

[A]

Shocker. All for Taco Bell. Another credit one. Good. I'm gonna have to use. We should charge them when I have to use the second piece of paper in my notebook. This one's also maxed out. $798.54. Oh, minimum deputy payment, $40. No purchases. Well, we're maxed out. Interest and Fees, of course. 105 in interest, 95 in fees, 30 interest. This is insane. This is just insane. Mission Lane. Haven't seen this in a second. What's going on with this?

[B]

That was going to be my gas card.

[A]

Lots of cards for a lot of things that we all just max out and use on. Oh, balance. $586 and 86. 89 cents. Why did it not turn out to be the gas card? Because I see you purchasing gas on other cars cards.

[B]

It was just an everyday card. And then you didn't have a job, so you have to put things on there.

[A]

Why'd you have to go bankruptcy four years ago?

[B]

College loan. They wouldn't let me take it off, so I had to do something with all my credit cards. Dude.

[A]

$159 of purchases and then 15.80 of interest. 3 years to pay off. I'm gonna die. Oh, it's. Yeah. Maxed out. It's all for Wendy's and gas. Wendy's and gas. Basically 80 bucks in interest this year so far. Wendy's Strain our lives for Wendy's. This is just so good. So good. Discover it. What's going on with this card?

[B]

No purchases.

[A]

Thank. Well, it's because it's close to max out.

[B]

But that one was the one that I had in college. That was one that they didn't close in the bankruptcy.

[A]

Why?

[B]

Because that just didn't have a balance. They left it open.

[A]

$439, 27 minimum monthly payment $35. 16 months to pay this off. $41.73 of interest this year so far. Aspire MasterCard. I've never even heard of this.

[B]

It's another low level kind of a credit one.

[A]

Well done. $301.81 interest charged. 10 bucks this last month. Minimum monthly payment $34.66. Do we need to have a third fat stack week already? This is insane. What are we doing?

[B]

Eating out, apparently.

[A]

Understatement, big guy. An understatement. This is at a 36% interest rate. That's insane. That's lots of fees this year. Probably late fees. $85. $19.17 of interest. Quicksilver again?

[B]

Yep, that's my small one. They offered it me in the mail and I took it because I needed the money. That one was actually for groceries.

[A]

$267.59 minimum depayment. $25. $269.91 of purchases at the Max. Crazy. Another car wash, holiday, raising canes. U Haul, moving in storage. Taco Bell, Starbucks going in and getting some bull. Taco Bell and more gas. What the are we doing? What the.

[B]

Sounds like I need treatment for food.

[A]

That might be real advance.

[B]

It's another low life card.

[A]

New balance, $203.88. Yeah. Payment, no purchase interest charge $5.86. Minimum monthly payment $25. Ten months to pay this off. Had $75 in fees this year so far. I don't. I don't even know what it is.

[B]

This is later opening annual fee.

[A]

Opening annual. Oh, an interest charge. This is also at a 36% interest rate. Dude. 36% interest rate. Oh, my gosh. This continues. Toyota Camry.

[B]

Yep, that's my car payment.

[A]

You got a brand new car while you have all this? That's why I didn't wash it while you're unemployed.

[B]

I got that in December. That's why I was employed at the chemical company.

[A]

Well, you could not afford this at the chemical company. I know what your money was. Not this k. Toyota Camry. $41,149.79. What Americans will do you. I don't give a 7% interest rate. Minimum monthly payment on your income. Even less income, which is substantially lower. $752.25. That is insane. Guys, this is paid off in 2031.

[B]

Six year loan.

[A]

Next decade. Next decade. What do you think this car is worth? That you owe 41,149.

[B]

Last time I looked, it was worth 31,000.

[A]

That's about right.

[B]

Just about. There's a little negative from the last one. Because I didn't have gap on my older car I got backed into at work and they claimed me. 50. 50 at fault.

[A]

Is that your F150? I'm being told you still owe on a repo from your F150 when I was. Oh, dude, you do every bad thing. Is there anything you haven't done that is bad? Payday loans, maybe?

[B]

No, I haven't had done a payday.

[A]

Wow.

[B]

I won't do that.

[A]

Surprising. I doubt that. We'll see. How much do you owe on that repo?

[B]

If I want to take it out in one lump sum, they'll do a 50% cut at about 8,000. But I owe about 16,000 left.

[A]

Well, one time at what?

[B]

At just about 8,000. So half of the loan.

[A]

This is insane. The car is underwater by $10,000. The borrowing, the difference, honestly, still might even be worth it. I might borrow 10. I would sell it. Borrow 10,000 hours to cover the gap once we make some more progress on debt and boost your credit up. And then borrow $10,000 on a used car that two mechanics approve. That will last you safe for a couple years to come. That gets it down from 41,000 to $20,000.

[B]

Yeah, that would really help.

[A]

Yeah, it would really help. Help Student loans. For who?

[B]

Me?

[A]

Yeah, because we don't have. Your wife's in here. And you said there's double.

[B]

Okay, that's just the government loans.

[A]

I'm gonna die. $22,792.01. What's the minimum right now?

[B]

There is no minimum. You don't have to pay on them because the government's forbiddens. Nelnets. Yeah, Nelnets being sued.

[A]

Nelnet's being sued?

[B]

Yep.

[A]

That's why. No, but that's just a student loan servicer. You. Were you on the safe plan? That's why. That starts next year. That starts in the summer. I think it's June or July. I doubt it's because of Nelnet.

[B]

I felt like that's the Nelnet one.

[A]

Yes, yes, yes, I know. What is First Mark?

[B]

Yeah, that's my private student loans.

[A]

Now that's a federal student loan service.

[B]

But they're serviced by Nelnet.

[A]

This is not Nelnet. This is First Mark. Are they owned by Nelnet? Maybe. I don't know. Oh, for.

[B]

That's about 56,000.

[A]

No, this is my last thing. That means I don't have savings. That means I don't have retirement or 401k. That's retirement.

[B]

Well, you have an IRA and a Roth IRA. Through work too. For your work you can not for your work.

[A]

That's your own private retirement.

[B]

I just consider retirement.

[A]

It is retirement. They're all retirement. And there's none?

[B]

Nope.

[A]

Okay, then what? Oh, dude, you are such a creature, man.

[B]

That's why my wife married man. I'm different.

[A]

Your student loans will be about 250 bucks. Actually, you're going to be automatically enrolled into the RAT plan repayment assistance program at your income level, household income. I'm going to assume your payment is going to be like 100 bucks a month. Okay, maybe 50. We don't have to worry about that. Cool. Okay. Private student loans. What was your degree?

[B]

I was going for mechanical engineering at Iowa State.

[A]

You probably should going for. You dropped out. Dropped out after college. Well, you probably should have kept that high paying job and moved for it. Fixed your finances and then moved back. Oh my life. $53,970.13.

[B]

That wasn't a cheap school out of state.

[A]

No, it wasn't. Minimum monthly.

[B]

What's the minimum on that one? It's paused currently, but when I was paying it was roughly 540something.

[A]

When does it resume?

[B]

I don't know yet.

[A]

This is a current interest as well. Forbearance. Forbearance at forbiddance.

[B]

Forbearance? Yeah.

[A]

You don't know when that ends. You logged in. Well. Well, that's gonna be death when that happens. And it's gonna be higher now because your min. It's just scaling because it's accruing interest. I mean listen, your optional interest payment alone is 1,387. Yeah. Extension until it's at a 11% interest rate. Daily interest, estimated payoff through.

[B]

Yeah, It's a variable loan.

[A]

Well, it's going down then, but it won't be good. I wish I could see when it ended. Good luck us making a budget. Are you gonna do that car thing I talked about?

[B]

I want to.

[A]

Okay, then I'm crossing out the car. I'm gonna make your new minimum fee payment. Approximately $400. Okay. And you'll have a $20,000 loan for that. Okay. Okay.

[B]

What's the typical credit you would need for a loan like that?

[A]

Well, I actually saw in one of your credit reports about 650. It's gonna be your debt to income ratio. That's Rough.

[B]

So that's probably why they don't approve me for the loans.

[A]

No, you could get a car loan. It'll be a car loan, but it'll still be the lower balance that you'll aggressively pay off anyway. So it still works.

[B]

So it'd be through like Capital One or something.

[A]

Yeah, you might. You're gonna trade in possibly, maybe a negative equity position. You're gonna take out a loan like close to like 19%, something like that. Yeah, it's gonna suck, but it doesn't matter because you're not gonna have it for long because you're gonna include it in your snowball. But a car companies will approve you for shit loans. You only get a car that you're able to take to two different independent mechanics and get their sign off. So we'll do that. That's the first thing you're gonna do when you get home. Okay. You're gonna start looking into it and that's how we're gonna budget you. But we'll see the difference. You'll see the difference. Okay. Total income because it's only just you. $3,400. Because you guys are really weird. And I'm gonna call you his wife in the post show. So stay tuned for that extra 20 minutes of each episode. Debt, minimum payment. Yeah, let me add this up good. The me 23.43amonth. Again, we're at like 35 interest. This is forever. 301.81 interest charged. 10 bucks last month. Minimum monthly payment. $34. A new balance. 200. $103.88. Yeah. Payment, no purchase. Interest charge 5.86. Minimum monthly payment. $25. 10 months to pay this off. Max out. $798.54. Editor. You should make this like some sick montage or something. Whatever. I'll do what I want. $1,364.59. So that's like half your pay gone. Good. Now, mortgage. How is that paid if we're like rent? Rent. How's that paid if it's like you and her? And how do I calculate this?

[B]

My mom pays a thousand towards rent. My wife pays the other 1600 right now.

[A]

And you pay.

[B]

I don't pay anything currently.

[A]

What about utilities?

[B]

I used to pay the other.

[A]

What about utilities?

[B]

Utilities, about 600.

[A]

Do you pay that?

[B]

Yes.

[A]

Okay. Is that including the Internet?

[B]

Yes.

[A]

Phone bill?

[B]

Phone bill's about 230.

[A]

Switch to helium whenever you're done paying off these phone bills. If t mobile's good there for 15 bucks a month? That's crazy. 230 is insane. Gas. Vroom, vroom. Drive. Drive.

[B]

If I would have to guess, probably 130amonth.

[A]

Dude, I don't know. I saw a lot of gas. I saw a lot of gas. I'd get closer to two based on what I saw. Actually I had 591, but that's probably because of doordashing. We're not calculated. Okay, I'm gonna say 200 then. Car insurance.

[B]

Insurance for both of us.

[A]

Well, do you pay for both?

[B]

Yes.

[A]

This is so weird.

[B]

Yes. It's 341amonth.

[A]

Month. Okay. Necessary food. How does the grocery spending work? Okay. Do you have to shop for mom? Good.

[B]

I'd say about 250.

[A]

What?

[B]

A week? Because you got two.

[A]

I was gonna say about a thousand.

[B]

One's on formula still, but pretty soon.

[A]

They'Re gonna switch horribly cheap. A thousand bucks? TP fund. Anything else you and the family need to survive. We could probably do 300. Medical, health care, co pays.

[B]

We don't have a copay plan. But It's. Was it 150. A paycheck for the plan.

[A]

Oh yeah. But that gets taken out. Prior.

[B]

Yeah, prior. So technically.

[A]

Jim, is there a gym?

[B]

Clearly not.

[A]

Subscriptions. Let's try 40. Are there pets?

[B]

Yes.

[A]

What?

[B]

A dog and a cat.

[A]

H is in health.

[B]

They're both good. One's almost five. One's almost four.

[A]

150 for pet insurance. Pet food. How much?

[B]

The cat? 16 bucks. We get the bigger bag. The dog has to be on a special diet.

[A]

How much?

[B]

About 60amonth.

[A]

76. Anything else that needs to be in your budget that I have not put in?

[B]

Nope.

[A]

Oh, and we're by $1,000. $4,301.59 is owed. And that's with us getting you a cheaper car. Okay, so. Yep, underwater by $1,000. But it's weird with the. I. I'm still confused how you're doing it with the wife coming in. Blah, blah, blah, blah, blah. I. This is. I'm sorry. Here's the actual probably plan. Listen, if it. If it works by the 70% you take, but you pay other bills with it, you said. Which is not calculated here, which is so confusing. So I'm just going to assume you can't afford it. You're already working, you're already doing DoorDash. Prove for three to six months that you can actually follow the budget, change your lifestyle, change your behavior and then go through bankruptcy again. That's pretty much it. Like you're. You. It. You.

[B]

Technically, you can't claim bankruptcy again for seven years, so I'd have three.

[A]

Might just let your credit card die.

[B]

Go.

[A]

Go all collections and just. Just do some debt consolidations. Take whatever tools you can because you can't pay for this. This is done. But you needed to change your behavior before you do any of that. For at least three months consistently. No relapses. And that means facing your addiction that you likely have. Those are what we can do now. That's it. That's pretty much it.

[B]

There's one thing I thought of. I brought all my credit cards. We cut them up.

[A]

That's not going to do anything. These are minimum payments. I'm not talking about your lack of spending. I don't give a f about that. I mean, yes, that is behavioral change. Congratulations. Cool. But you can just reorder them, so that doesn't matter. I'm sorry. You probably wanted to have a moment, but that's. That's not the concern here. All right, I'm gonna call his wife in the post show. Let's get his Hammer Financial score and then I'll call his wife. But click that join button to join Hammer Elite for the post show. Spending your budget overspend. 0. 10. Debt. I mean, yeah. I mean, there is. There's the $7,000 a day that even do for unemployment. 0 out of 10. Emergency fund, nothing. 0. 10. Retirement. Nothing. 0. 10. Real estate, nothing. 0. 10. It's a Hammer financial score. 0 out of 10. Join Hammer Elite. Click that join button. Get three premium shows every single day, Monday through Friday, including this financial auto post show, which is an extra 20 minutes of every episode. I'm gonna call his wife and it's gonna get juicy. We are calling the wife. How bad do you think it is? How much debt do you think he has? 4,000. Oh, let's try $133,779.

[B]

Oh, dear God.

[A]

You're messing up big time. Oh, that's funny. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.