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Caleb Hammer
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Bri
this episode
Caleb Hammer
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Bri
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Caleb Hammer
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Bri
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Caleb Hammer
Check responses Setup required. Compatibility and availability varies. 18 plus to watch episodes of Financial Audit a week earlier, check us out on YouTube. We have information from your ex that she thinks you cheated on her.
Bri
That's what she thinks. That doesn't mean it's true.
Caleb Hammer
Conveniently, you are with the guy that she accused you of cheating with. So when your keeps getting you in trouble, it's because you're cheating. Why don't you call your boyfriend, let me see what he thinks.
Bri
I can try calling him. He's at work right now.
Caleb Hammer
He might audience yeah, try to call him.
Bri's Boyfriend
Hey, what's up?
Caleb Hammer
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Bri
Hi, I'm Bri. I'm 26, I'm from Houston, Texas and this is Financial Audit.
Caleb Hammer
Thanks for coming over to Austin. What do you do in Houston for a living? Bree?
Bri
I have like an office position. So like I'll answer calls, take orders. Really rudimentary office. It's like kind of a reception desk.
Caleb Hammer
This is a receptionist. This is like intern.
Bri
Okay, not intern.
Caleb Hammer
Like I'm full time taking orders.
Bri
Customers call, they say hey, I want this product. I Put it in the system, I take payment and then I give it.
Caleb Hammer
But not sales. No commission.
Bri
No, no, no commission. No. I'm not a sales rep. Exactly. Customers just call.
Caleb Hammer
Okay, well, cool. What do you make in this position?
Bri
I make 20 an hour. I'm salary, so 20 an hour salary.
Caleb Hammer
So what's your, what's your salary?
Bri
I get paid bi weekly.
Caleb Hammer
And what's your salary? What's your income?
Bri
What's your paid?
Caleb Hammer
When they say what your salary is, like you make. This is your salary that you're accepting on a yearly basis.
Bri
Oh, a year. I make 42,000 a year.
Caleb Hammer
Okay.
Bri
Yeah, listen.
Caleb Hammer
I mean Houston, as far as all the Texas cities go, definitely it's not the most expensive, but it's kind of in that middle range. But 42, still hard to stretch. And speaking of stretching, the quote I have from you before coming on the show is my getting me in trouble. Yeah. So if we're not making much money and you're keeps getting you in trouble, how are you surviving in Houston on that?
Bri
It got me in trouble because. So I moved to Texas from Maryland three years ago. I've only been in Texas for three years. Baltimore, a little town named Cumberland. It's like two, three hours from Baltimore. So you know how Maryland is like big. It gets little and then gets big again. I live. You've never seen the shape of Maryland?
Caleb Hammer
I don't look at Maryland.
Bri
You have a picture of Michigan also.
Caleb Hammer
I don't give a. Because I'm from Michigan. Should I have a frame of like Illinois on there as well?
Bri
You don't know what states look like relatively.
Caleb Hammer
Maryland.
Bri
Okay, well, anyway, Maryland, I lived like in the mountains, like countryside, real in the sticks type deal. Okay, well, me and her started dating, moved to Texas. She was really controlling with the whole relationship. So say she wanted to go out to.
Caleb Hammer
Which by the way, it's interesting that every single X of a relationship that comes on here, the other person was always the bad one every time. That's interesting how that works. Keep going.
Bri
Sure. So we would argue a lot about finances. She wanted a joint account. There was no reason for us to have a joint account. We lived in an apartment. We didn't have a mortgage, we didn't share bills, anything like that. She wanted to combine finances. I didn't want to do that, saw no reason. So if she was hungry and I didn't feel like making anything, she would just always want to go out to eat and would never cook food for herself. Never wanted a grocery shop. What is this?
Caleb Hammer
An Ex Vent hour. Like, I don't. What is this?
Bri
This is so pointless. I spent a lot of money on her in our relationship.
Caleb Hammer
When did you break up?
Bri
New Year's Eve.
Caleb Hammer
Oh, okay. So that is actually recent. Yeah, Just said that. My goodness. That would have saved me a few minutes. Sorry. I do not need it. Oh, my goodness. My girlfriend, she didn't do the dishes.
Bri
It was like, why would she want to go out to eat? I. If she didn't have money for it, I would pay for it. And then if I wanted something for myself, it was.
Caleb Hammer
Why did you stay with her so long if she was up your finances? Because she wouldn't contribute and you had to take care of her. Why'd you stay with her so long? I'm not giving you victim treatment.
Bri
When you decided to stay, like, I would stay because, like, it would get to a boiling point, and I would be like, I don't want to be together anymore.
Caleb Hammer
She the one that caused the wood?
Bri
Yes.
Caleb Hammer
The injuries.
Bri
Injuries?
Caleb Hammer
The scars, the eyebrow scars?
Bri
No, that's just fashion.
Caleb Hammer
Fashion?
Bri
Yeah. You know how people, like, get piercings and all that? It's just fashion. It's just hair. You just put a little slit. You've never seen people with slits in their eyebrows injured? People injured?
Caleb Hammer
I've seen some scars.
Bri
No, it's not a scar. No. She was never physically abusive, just mentally and verbally.
Caleb Hammer
This is, again, every ex in the history of this show. And yet. Okay, if it's every ex ever and I can never hear the other person's side, it's like, can I even believe it in the end?
Bri's Boyfriend
I have a hard time.
Bri
Well, I mean, believe what you want to believe. I'm just letting you know she was really controlling, and a lot of my debt stemmed from our relationship.
Caleb Hammer
Why did you stay?
Bri
She would tell me she would change and that things would get better.
Caleb Hammer
And how many times does that need to be said until you are able to advocate for yourself?
Bri
It was said ultimately three times, and the third time is when I left.
Caleb Hammer
Okay. How long are you together?
Bri
We were together three years and some change. Okay.
Caleb Hammer
She's her finances for three years. So you're saying everything here is because of her?
Bri
For the most part.
Caleb Hammer
Really? Because the last time someone said that, it was like, 5%.
Bri
A lot of it happened while we were together. A lot of it happened while we were together. The debt, like, if I didn't.
Caleb Hammer
If you didn't have money to go treat her, you would just go into debt to treat her.
Bri
I would use, like, the cash app. Borrow or use after pay.
Caleb Hammer
Well, why are you struggling today? Because we're four months in. Four and a half months in from New Year's.
Bri
Yeah. I get.
Caleb Hammer
Why are you struggling today?
Bri
I still have to pay.
Caleb Hammer
Most people get paid twice a month walking to paycheck.
Bri
Yeah. I have to pay all of my bills. Okay.
Caleb Hammer
Well into adulthood. You're 26.
Bri
Whatever money I have left over, I am trying to put towards my debt.
Caleb Hammer
Are you?
Bri
I mean, yeah, I'm trying. Yeah.
Caleb Hammer
What is trying when you don't actually do it? How can you tell me you're trying like. What is that word?
Bri
Whatever money I have left over after bills, after gas, after whatever necessities I need at the house, I'll put towards my credit card or towards the cash app.
Caleb Hammer
I'll put towards credit card. Which is why I spend hundreds on miscellaneous bullshit. Hundreds on going out to eat. That's not going towards the credit card. That's money going towards bullshit.
Bri
A lot of it was when we were together. And no, this isn't you going out
Caleb Hammer
to eat right now after your terrible two checks. Crazy. How are you going to survive two checks? No one else has to deal with that. You can't tell me it all goes to the credit card when it goes to going out to eat and miscellaneous bullshit.
Bri
It was going out to eat with her.
Caleb Hammer
No, this wasn't. You broke up New Year's. We're four and a half months in.
Bri
Yeah.
Caleb Hammer
Do you not realize that time has passed?
Bri
Yes. The debt that has accumulated.
Caleb Hammer
I'm not talking about that. I'm saying the money you have after your bills, you spend it on bullshit now. It's not going towards that. You can't say that's her. She's not here anymore.
Bri
Yeah. Yeah, Well, I mean, I just. I don't know.
Caleb Hammer
So you're lying to me.
Bri
How am I lying?
Caleb Hammer
Because it's not going to debt. It's going to bull. How are you not able to comprehend this as much? Is that the Maryland educational system?
Bri
No.
Caleb Hammer
How Baltimore? I don't understand.
Bri
From Baltimore?
Caleb Hammer
Allegedly not.
Bri
You think all black people are from Baltimore?
Caleb Hammer
Yes.
Bri
So, no. You think that's the hub for all black people is Baltimore? You think that's where everyone's from? Atlanta? Do I sound like I'm from Baltimore? Have you ever met someone from Baltimore?
Caleb Hammer
Across the street?
Bri
You crossed the street. Were you scared? Were you scared? Are you scared you're going to get robbed?
Caleb Hammer
It's a joke.
Bri
Okay.
Caleb Hammer
The joke.
Bri
Okay. No, all.
Caleb Hammer
All is good here.
Bri
Okay, good. I'm glad there's no reason to be scared. I know you don't have a lot of black guests. You have not had a lot of black guests.
Caleb Hammer
No, I just employ them.
Bri
That's great. That's great.
Caleb Hammer
Love that for you because I believe in equal rights. Well, let's not go that far. Trading a. Oh, oh. A better future for civilization.
Bri
Yeah. Okay, I'm glad.
Caleb Hammer
How do you not understand what I am trying to say though, for that whole thing?
Bri
Okay.
Caleb Hammer
I am trying to say you are lying to me. Because it's not going to the cards. It is going to. Bullshit.
Bri
So after we broke up, I had to obviously had to get my own apartment. We had. It was me, her, her mom and her brother in an apartment. And so when we broke up, obviously I couldn't live there anymore. So how to get my own apartment? This, that and the third whatever down payment, first months, all that. Yeah, yeah.
Caleb Hammer
Did you have to emergency move out? Were you kicked out?
Bri
No.
Caleb Hammer
Yes.
Bri
Yes. So we broke up.
Caleb Hammer
It happens. I don't know.
Bri
I found like the cheapest thing I could as fast as I could.
Caleb Hammer
So what is as fast as you could. As fast as you could is you moved out and you immediately got a boyfriend.
Bri
I didn't immediately get a boyfriend.
Caleb Hammer
You immediately got a boyfriend. You got a boyfriend pretty damn quick. We're four and a half months in, you already are locked down. And the thing is, if your keeps getting you in trouble, we realized getting you in trouble right now, we liked
Bri
each other and he treats me a million times better than my ex.
Caleb Hammer
That's great. Well, you're three months in where you're dating your ex for years, so we'll see how that goes. But if you're three months in and it's only been four months since you broke up, yes, you immediately got with someone. And if historically you keep getting in these situations where you're giving everything going into debt for the other person.
Bri
Known each other for a really long time. We've known each other for like as long as I've been in Texas. Like, okay, so me and him work together and nothing emerged until me and broken up.
Caleb Hammer
Allegedly. Your ex accuses you?
Bri
Well, yeah, because she doesn't trust men. She doesn't.
Caleb Hammer
She's not trusting men?
Bri
No. She believes that men and women can't possibly.
Caleb Hammer
We have information from your ex that she thinks you cheated on her.
Bri
She does think I cheated on her with him. That's what she thinks. That doesn't mean it's true. That does not mean it's true. I never Cheated on her.
Caleb Hammer
Well, who do we believe? You say she's verbally bad. She says you're a cheater. Now, conveniently, you are with the guy that she accused you of cheating with.
Bri
Okay, yeah, that.
Caleb Hammer
So she accused you while you were dating of, hey, oop, you're cheating with him. And then conveniently, right after breaking up, you're with him.
Bri
I cheated on her with him because at work, when there's nothing to do, we would go out by the docks and we would hit our vapes. Whatever.
Caleb Hammer
And conveniently, right after breaking up, you get with.
Bri
No, no. She pulled up to work one day unannounced and saw me and him, like, just standing there talking, hitting, Hitting our vapes. So she was like, why are you so close to him?
Caleb Hammer
How does this feel that you immediately got with him after breaking up?
Bri
I didn't immediately get with him.
Caleb Hammer
Basically. Damn. Immediately. Within a couple weeks. Come on.
Bri
We realized we were official a month after. We were like, you know, things kind of just emerge. Like, things just happen. Like we. He treats me so much better. He's like, you know, you really didn't deserve that. He was going through. He got out of a relationship around the same time, and him and his ex were going through the same thing. We were like, wow, we're both going through these problems.
Caleb Hammer
Come on, we can all do this.
Bri
You can believe whatever you want to.
Caleb Hammer
You're also just endlessly complaining about your girlfriend all day. Work around this guy, his relationships.
Bri
Everyone at work complains about their home life. Everyone at work complains about.
Caleb Hammer
I don't just sit here complaining about my relationship all day.
Bri
You never talk to anyone. You never vent to anyone about relationship.
Caleb Hammer
I really don't think so. No.
Bri
I'm getting headshake nose like your best friend, your parent, like you don't know,
Caleb Hammer
because bad shit isn't happening.
Bri
Okay, good, I'm glad. But bad shit was happening for me, so.
Caleb Hammer
Yes, but you're with the person that also conveniently, like, always getting out of a relationship. Oh, I'm getting out of a relationship. Oh, we definitely haven't been cheating. We're not together.
Bri
Oops.
Caleb Hammer
We're together.
Bri
We never cheated.
Caleb Hammer
Right, but your ex was seen flirty messages with other men in discord.
Bri
That was years. She scrolled back years in my messages. I was at work, she was at home. She knew I was.
Caleb Hammer
She worked with you.
Bri
This. So we did work together. We worked together. Her position. Everyone in that position, that whole position got laid off. So she got laid off. She collected unemployment. So she was home all the time. I still had my job there. So when I was at work, she texted me, like, oh, here are these guys. You're in the server.
Caleb Hammer
Did you ever sleep with a guy in Discord?
Bri
Yeah, but it was not when we were together. It was years before I even met her that I slept with this guy. And we're all from a small town. Like, things happen. Everyone knows everyone. We can still be friends after things happen like that. Hey, babes, it's Paris Hilton. So I was checking my points balance in the Hilton Honors app the other day, and yeah, I've got about a billion, which feels excessive even for me. Just kidding. You can never have too many Hilton Honors points. And I want to do something iconic this summer, so I'm giving away all my Paris points. Just find somewhere you've always wanted to stay, then go to my socials or Hilton's and tell me about it. Just make sure you're a Hilton Honors member. And I might be sending you Paris points, because when you want points that make your summer even hotter, it matters where you stay. And it's not weird, you know, like, that's just the friend group. It's. Everyone can be friends. Like, it's only weird if you make it weird. So anyway, she saw these messages that were from literally years before I met her, but she was mad that I was still in communication with them.
Caleb Hammer
So when your keeps getting you in trouble, it's because you're cheating.
Bri
I'd never cheated on her. I wouldn't admit that. Do you have a Bible in here? Do you have a Bible in here? I will right hand swear on the Bible that I never cheated on.
Caleb Hammer
Are you religious?
Bri
That's like the holy grail of telling the truth, isn't it?
Caleb Hammer
The whole point of swearing on the Bible is if you believe in it.
Bri
That's like, the most way I can prove that I did not cheat on her. No.
Caleb Hammer
So it wouldn't matter.
Bri
Well, I don't know how else to prove that I'm telling the truth.
Caleb Hammer
You're gonna believe that she saw you guys at work because she worked there too. You were having flirty messages and you got together immediately with him.
Bri
The flirty messages were with someone completely different from literally years ago.
Caleb Hammer
Don't get me wrong. I'm leaning on the side of okay, you probably didn't, but just with how everything is lining up.
Bri
No, she was super trad in the sense where she didn't believe that men and women could platonically be friends. She did not believe that and at all Even with her own brother.
Caleb Hammer
And maybe she was right though, because you got with him immediately.
Bri
Even when we were together, I would hang out.
Caleb Hammer
You broke up New Year's Eve. What was the. When was the first day? He stuck. He stuck it in you.
Bri
Oh, my God. Not till like February.
Caleb Hammer
Like, literally, if you guys are three months in, that doesn't line up. Dating before?
Bri
No, we started dating at the end of February.
Caleb Hammer
What then you're not three months in.
Bri
We're coming up on three months. Careful, your eyes will get stuck like that.
Caleb Hammer
What, doing this?
Bri
Yeah.
Caleb Hammer
You saw eyes?
Bri
It's your eyelid almost rolled in the back of your head. I had no one to tell me what I could and couldn't do. So yeah, I had this extra money that I wasn't spending on her, so it felt good to spend it on myself.
Caleb Hammer
There it is. Cope. The cope. You said your money after bills are going to debt. No, they're going after feeling good about yourself and slitting your eyebrows. That's it.
Bri
Yeah, it does make me feel good
Caleb Hammer
when I haven't been to do anything
Bri
for myself for three years.
Caleb Hammer
You lied to me.
Bri
I was not able to do anything for myself.
Caleb Hammer
It doesn't matter. You lied to me. You lied to me. Caught you in the lie. Only if I had more proof on the cheat. How did I lie? Because you said it would all go to debt after bills. No, it goes to bullshit. And you're saying it's because it makes you feel good because you never had to do things and I would put
Bri
money towards my deb. I'm not saying I would put everything that I had left over towards my debt. Yeah, I would put some towards my debt. But yeah, I would buy myself things to feel good.
Caleb Hammer
So it's a lie. You lied to me.
Bri
How's that a lie?
Caleb Hammer
All go into making you feel good? Not going towards debt.
Bri
Some of it is going towards debt.
Caleb Hammer
All like a minimum payment. But that's the basic bare minimum. It's something not if you still spend on it. That just makes it go worse.
Bri
I haven't spent on my credit card it in over a month.
Caleb Hammer
Well, one I don't even know because I have your most recent statements. But who knows? Everyone, when they apply to come on the show, changes behavior for a couple of weeks. Doesn't mean it's permanent. Just like before you go on any kind of show, nothing suggests that. Look where you are. But even here. Oh my gosh. You're just hitting every catchphrase. Can you just kill yourself in my. It's just so annoying. You're hitting every catchphrase for like no reason. The thing I. Obviously the reality is everyone, before they come on any show that involves changes, they do change for like a couple of weeks. That changes nothing about the reality of your actual situation.
Bri
It's a learned behavior. Things change.
Caleb Hammer
That's an excuse to do it.
Bri
It's not an excuse. It's me saying, okay, I'm now going to change the way that I spend and change the way that I spend my money.
Caleb Hammer
Well, you told Colton you're better than all the other crazy people that come on the show.
Bri
I feel that my debt is not as bad as the average guest.
Caleb Hammer
Okay. When you're spending it all on bullshit
Bri
instead of the I'm still not as in the hole as the average guest.
Caleb Hammer
Okay. Which is why your Savings is negative $35.15. Negative $35.15 negative savings you owe on your savings.
Bri
I paid that up. I'm pretty sure. I'm pretty sure.
Caleb Hammer
Yeah, I have it.
Bri
No, my savings right now.
Caleb Hammer
Yes. No, I have it.
Bri
Okay, well then I would have to check it. Cause I do not remember it being in the negatives.
Caleb Hammer
I don't give a shit what you remember. I have has nothing to do with your memory. It is in the statement. It is here.
Bri
Okay, well then I'll fix that.
Caleb Hammer
You can't say you're better than guests. They don't have negative savings owing to their savings account. That's not something guests have. That is you. You're not better than them. How can you say that? There's a cash app loan. You have a cash app loan that was a part of your income. Was a cash app loan. Cash app loan. Your payroll was 2,461. What was your outflow?
Bri
Definitely more than that. Oh, definitely more than that.
Caleb Hammer
But you're better than all the guests. What was your outflow? Maybe 3,000, $3,279.22. You're better than all the other guests.
Bri
I'm not as in debt as the other guests.
Caleb Hammer
Does it even matter though? If you spend more than you make and the debt is getting worse and you're negative and you owe to your
Bri
savings, well, it'd be easier to fix. I'm not necessarily.
Caleb Hammer
Cuz you're lower income. If you're lower income and your holes is getting bigger, it is harder to reverse that and get out than a high income situation and a lot of debt who can usually still have like leftovers of thousands a month that they can throw towards it and Chip at it. When you're gonna have a leftover of maybe 100 or 200amonth, it's gonna take years. And that's even if you can do that and even change your behavior. Change your behavior for two weeks before coming on the show. Congratulations. You did what every guest in the history of financial has done.
Bri
Well, yeah, this was like, you know, okay, I really wanna change things around. I wanna make a difference.
Caleb Hammer
I'm glad you want to. That's good. But you can't tell me that you're all of a sudden good or you're. Because you're doing every guess that you've seen with worse finances. Changes their behavior two weeks before coming on the show. If I was going on a diet show or workout show, a competition show, everyone would change for a moment knowing they're coming on the show. What is matter? What matters is your behavior before, which is more likely to be your lasting behavior afterwards. After the fire under your butt. Two weeks after coming out of the show is done. That is what matters.
Bri
It won't be done. I plan. I plan on taking this.
Caleb Hammer
It always is done, no matter what.
Bri
Sure. But I really plan on taking this and making a difference. I do. That's why I came on the show. You're helpful.
Caleb Hammer
Okay, so you got into all this cause of your ex girlfriend and you couldn't handle that. What does the current boyfriend know that you're leaning on now so quickly?
Bri
He doesn't know about the debt because his last relationship had a lot of debt in it and he had to. Well, he had to pay towards the debt in his relationship and the debt was not his.
Caleb Hammer
So you're hiding the debt.
Bri
We just haven't talked about it.
Caleb Hammer
We mean, you haven't talked about it. You could talk about it if you
Bri
wanted to talk about it. We haven't talked about it.
Caleb Hammer
But you could, you could, you could. I'm not saying you necessarily need to a few months in, but you could. Especially if you know he has a past relationship negative with that.
Bri
Yeah, because he's against it. I don't want to have an argument about it.
Caleb Hammer
He's your boyfriend. Should you not be on the same page relatively, or what's the point of being boyfriend girlfriend? Are you trying to make it last longer or is this something perfect?
Bri
Do you want it to last longer? You want it to last longer?
Caleb Hammer
Obviously you need to have the conversation if he's struggling.
Bri
I know I need to have the conversation.
Caleb Hammer
And you guys have a completely diverging worldview.
Bri
Okay, we can. That's the point. It's new, it's fresh. Yeah. We can grow. There's a lot of room to grow. I'm gonna, you know, bring it up to him at some point. Yeah, when? When the time's right. There's no reason to talk about it right now.
Caleb Hammer
Well, because he has that issue and you're just hiding it.
Bri
Whenever it's smaller, it would be easier to talk about because. So then he won't, like, you know, freak out. His what?
Caleb Hammer
Everyone says, though, and that delays them talking about it forever. Freak out. Wouldn't it be fair for him to know what's going on? If he's dealt with this before, what would it change? It's you being honest because, you know, he's dealt with this before and like, hey, I'm working on this. I'm trying to deal with this.
Bri
Exactly. And I am working on it.
Caleb Hammer
Yes, but he doesn't know.
Bri
And he will know when it's better.
Caleb Hammer
But what if it doesn't?
Bri
It will. I promise.
Caleb Hammer
Well, that means nothing because everyone promises that. That means nothing.
Bri
I mean it. I really do mean it because I want me and him to work and I want my finances to get better.
Caleb Hammer
Okay, so I know you've lied about money in past relationships, or you've lied in past relationships in general.
Bri
So there is nothing wrong.
Caleb Hammer
This is just a continuation.
Bri
There is nothing wrong with a white lie.
Caleb Hammer
What's a white lie?
Bri
A white lie, like, to, like, to simply save an argument, like, whenever you just don't feel like arguing. Like, that's what a lot of people, like, happened with, like, me and my ex. Like, everything was an argument. So, yeah, sometimes I would just kind of not tell the whole truth to avoid the argument. It's tiring. It's exhausting.
Caleb Hammer
Okay, so then if you're actually ready to change, you're on board for this plan, then?
Bri
I am on board for the plan, but I don't really want. I want to keep living the way I live. I want to keep living the way I live.
Caleb Hammer
Well, but you might not be able to. That's what sacrifice is.
Bri
Yeah, there's sacrifice, but how much do you really need to sacrifice? You know, like, how much?
Caleb Hammer
A lot. To do anything that is hard. Depending. I mean, I don't. I don't know the.
Bri's Boyfriend
What.
Caleb Hammer
What do you not like about the plan? Drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers, only to be left with sky high interest rates and crazy minimums that leave Their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score, hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why refi comes in. Why refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even custom your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Yrefi. Head to yrefi.com hammer that is Y R E F Y.com hammer or call 888-yrefi78. That is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you die. Download a budgeting app. You start with the classic one ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raised in so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Build by these people just like you. For people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now start the free trial Dollarwise.com, link in the description below.
Bri
I want to be able to buy a Funko Pop when I see it. Or Funko Pop.
Caleb Hammer
How is that more important than your future?
Bri
It makes me feel good. It makes me feel. Yes. It's like, it's the instant gratification of like, you know, okay, so whenever you're feeling bad about whatever situation you're in and, oh, you. It's the same as like, you know, a sweet treat or. Or I'll buy a little. Like some people will buy a little boo boo. Like you. You buy something to make yourself feel better.
Caleb Hammer
And that's what sacrifice is saying. I'm not gonna feel better in this exact moment, so I can feel better for the rest of my life.
Bri
Well, yeah, of course.
Caleb Hammer
Is. That's exactly what I'm talking about.
Bri
Well, sure, sure, you can. You can save all the money in the world for a house or for retirement and stuff like that. But like, yeah, well, yeah, I mean,
Caleb Hammer
you don't necessarily need to for a house, but retirement, absolutely.
Bri
Well, yeah, but like, truly, how much do you need to save before it's like, okay, I've saved this much, I can now save.
Caleb Hammer
Well, usually 20%, but that's after. What are you talking about? In the plan, I give you 50% on needs, 30% on wants, which is a shit ton of money. Maybe not for your income situation, but it's still a large percentage. And 20% uninvested. If you hit that 20% on saving for retirement, you can spend a lot of money. Still a larger percentage, 10% more. But that's after you have a fully funded emergency fund and you've paid off all bad debt and you have not done that because you'd rather get the Funko Pop today?
Bri
Well, yeah, I'm tired of being sad. So, yeah, if I buy myself.
Caleb Hammer
Why are you sad? Why are you sad? You have a new boyfriend that's allegedly better and all this stuff that you hide things from.
Bri
Anyway, he is. He's really nice, he's really sweet, he's great. But yeah, sometimes when I'm feeling bad about my debt and not having money,
Caleb Hammer
you feel bad about not having money, so you spend money.
Bri
It makes me feel good. It makes me feel good.
Caleb Hammer
Okay, you need healthier coping mechanisms.
Bri
I probably do. That's why I'm here. Like, I. I'm going to do what makes me feel good and then that helps me sleep at night.
Caleb Hammer
So you're okay being in bad debt and not having retirement for the rest of your life then? Cause that's what that alternative looks like.
Bri
Like, what's retirement really going to do for someone in today's age being able to retire?
Caleb Hammer
What do you mean?
Bri
Like, I'm going to be 90 by the time I'm able to retire.
Caleb Hammer
Like, well, yes, if you don't save for retirement. Correct. What are you talking about? Of course.
Bri
That's just.
Caleb Hammer
That's why you save for retirement. You're 26. You have time on your side. You have compound growth on your side.
Bri
But then, like, what's the point if I'm just still working and still.
Caleb Hammer
So you're not working at 65 in your picture. You're working until 90 because you didn't save.
Bri
I don't know. I just don't see it.
Caleb Hammer
Like, how do you not see it? Make the math make sense.
Bri
Tell me, what's the argument right now? I am paying my bills.
Caleb Hammer
Are you? Cause your boyfriend gives you money sometimes.
Bri
Your boyfriend, he's getting gas money. Yeah. He'll give you money?
Bri's Boyfriend
Yeah.
Caleb Hammer
If you're getting gas money from your brand new boyfriend, that's pathetic.
Bri
He is nice to me and he's like, oh, you deserve it.
Caleb Hammer
Gas money.
Bri
He's like, you deserve this. Yeah.
Caleb Hammer
You deserve sugar baby treatment.
Bri
And I do.
Caleb Hammer
From a brand new boyfriend that you definitely did not cheat on with.
Bri
I didn't cheat on him, but he feels I deserve it. He's. He's. He's.
Caleb Hammer
What's the I deserve it?
Bri
Gentleman. He's a gentleman. He opens doors for me. He calls me beautiful.
Caleb Hammer
It's different than you getting money from him to pay for things because you can't deal with it.
Bri
I deserve it. Because I'm a good girlfriend or because
Caleb Hammer
you can't pay for gas?
Bri
He thinks I deserve it, so I'm not gonna say no.
Caleb Hammer
You can't afford gas, so you deserve it?
Bri
Well, sure, Yeah. I need the money for gas. Exactly.
Caleb Hammer
There it is.
Bri
And he gives me. And he gives it to me. So what's the problem?
Caleb Hammer
That's the problem. Your boyfriend, your new boyfriend has to
Bri
give you a gas problem with it.
Caleb Hammer
That's not the pro. That's not the point. How are you?
Bri
How.
Caleb Hammer
I don't. How are you so stupid? That's not the point. The point is that you were having to borrow from your boyfriend. You're telling me you're better than other guests?
Bri
It's not borrowing. He gives it to me.
Caleb Hammer
Take from your boyfriend? Yes.
Bri
He gives it to me.
Caleb Hammer
Oh, my gosh. Yes. You just. What you just keep repeating the same like couple words over and over again and you think that all of a sudden changes something. Listen, you have to take money from him in order to pay gas. A necessity for living. That's how you are. You're not better than other gas. You're not doing well.
Bri
You're not even.
Caleb Hammer
Retirement's not even in the picture of the conversation.
Bri
How long would it really take to save up money for retirement?
Caleb Hammer
Decades.
Bri
But like, I feel like I still have time to do that.
Caleb Hammer
No, because you'll be in bad debt forever. And the indication of that, the proof of that is that you are getting gas money from your boyfriend.
Bri
Sure, if he helps, sure. But I mean, even if it's a
Caleb Hammer
financial problem, if he has to give you money, his current girlfriend, he likes to help me.
Bri
That's not the point. Take your flexibility beyond the mat with PayPal. Pay nothing at checkout. Then enjoy a flexible monthly payment plan that works for you with no sign up or late fees. Find your Zen and an easy way to pay with PayPal. Download the PayPal app to get started. Subject to approval. Pay monthly consumer loans made by web bank. Available through PayPal Inc. NMLS 910457 Learn
Caleb Hammer
more at paypal.com PayMonthly Good. That is not the point. Was that my question? Was my question if it makes him feel good or if he wants to? Was that my question? No, it wasn't. Stop being a dumbfuck. Are you sure you can say that you were the problem in the previous relationship when in your current relationship your boyfriend has to get you gas?
Bri
He doesn't have to. He chooses to.
Caleb Hammer
You said that you wouldn't be able to get gas without it.
Bri
And I wouldn't. But he does. But he chooses to give it to me.
Caleb Hammer
He chooses to out of your necessity. So you cannot tell me that you were not a problem at all in this previous relationship financially.
Bri
I don't see myself as a problem in my past relationship. I really don't.
Caleb Hammer
How do you see what you do?
Bri
Because I provided everything for her. I paid for everything for her. So I don't see myself as the problem financially. In my past relationship. If she didn't have money for something, I paid for it. And then when I didn't have any money left over from paying everything for her, it was then a problem. It was. I overspend. I don't know how to save my money because all the money I had went to her. Every. Everybody.
Caleb Hammer
How do you feel that that is now you in your current relationship?
Bri
I don't ask him for money. I don't ask him for money.
Caleb Hammer
Why does he give it?
Bri
Because.
Caleb Hammer
Not because it makes him feel good. How does he know you need gas money in that moment?
Bri
He gets in my car. I mean he gets in my car like he can look and see where
Caleb Hammer
my car driving together. He gets gas money.
Bri
He can see when I'm low on gas and be like, oh, here, fill up. Like I. I don't ask him anything else.
Caleb Hammer
No, he doesn't buy meals. I get calm.
Bri
That's normal though.
Caleb Hammer
It is normal, but it is still money. Especially if you're still going out to eat.
Bri
He'll take us out to eat and
Caleb Hammer
then you're still buying food.
Bri
I mean groceries.
Caleb Hammer
Yeah, going out to eat is not groceries, dummy. Stop.
Bri
I mean, I'll buy coffee and lunch sometimes.
Caleb Hammer
Yeah, uh huh. Instead of putting it towards debt, which was your entire argument, but I put some towards debt.
Bri
It's not like I'm not putting anything towards it.
Caleb Hammer
Minimum monthly payments is basic.
Bri
Yeah. And I'm doing that.
Caleb Hammer
Why don't you call your boyfriend, let me see what he thinks.
Bri
I can try calling him. He's at work right now. He might not answer.
Caleb Hammer
Yeah, try to call him.
Bri
Okay. I mean, yeah, he might not answer.
Caleb Hammer
So try to call him and find out. Why are you arguing? Me?
Bri
I'm just letting you know he might not answer and I have terrible service here.
Caleb Hammer
Oh my goodness. This is every excuse in the world.
Bri
An excuse that I have terrible service that's building.
Caleb Hammer
Just call and if it doesn't work, it doesn't work. My goodness. You don't have to. Oh my gosh, you're so difficult.
Bri's Boyfriend
Hello?
Bri
Hey, can you hear me?
Bri's Boyfriend
Yeah, hey, what's up?
Bri
Hey, someone wants to talk to you. Okay.
Bri's Boyfriend
Hello?
Caleb Hammer
Why the are you having to give your girlfriend money?
Bri
He doesn't have to.
Bri's Boyfriend
Just cause I'm just nice. I'm just nice like that.
Caleb Hammer
Yes, you're nice, but the fact that you're having to.
Bri
He doesn't have to.
Caleb Hammer
Shut up. Am I talking to you or am I talking to him?
Bri
Talk to him. He's gonna say the same thing. He's so annoying.
Bri's Boyfriend
I don't feel obligated at all. I really do it out of the kindness of my heart.
Caleb Hammer
Okay, but if you didn't do it, she wouldn't be able to afford gas.
Bri's Boyfriend
I didn't know that.
Caleb Hammer
Don't you have trauma in your previous relationships with financial issues?
Bri's Boyfriend
Absolutely, absolutely. I was in a toxic relationship for over half a decade and I spent A long time. Helping her pay off her debt.
Caleb Hammer
How old are you?
Bri
He's 25.
Bri's Boyfriend
24.
Bri
He'll be 25 this year.
Caleb Hammer
Okay. Okay. So you had to pay off all her debt. How much debt is your current girlfriend in?
Bri's Boyfriend
I'm not sure. We haven't really talked about that. We've. We've only been dating a couple of months now.
Caleb Hammer
I agree. It is kind of. It is pretty early for, like, the big in depth finance talks. But because of your previous. Your previous issues with your ex, would that not be something that if she cared, if she loved you, wanted to kind of get out of the way so that you weren't going down the same situation again?
Bri
There's just no reason to talk about it. How much.
Bri's Boyfriend
How much debtor we talking here? I didn't really know that, like, she was in debt.
Caleb Hammer
$15,586.97. She has 1, 2, 3, 4, 5, 6, 7 individual debts. Her savings is negative. $15 she owes to her savings. So that's an additional debt right there. And she spent $1,000 more than she made last month.
Bri's Boyfriend
That's. That's more debt than my ex had. Can she hear me?
Caleb Hammer
She can, yeah.
Bri's Boyfriend
Is there any specific reason that you were holding this from me?
Bri
No, there was just no reason to talk about it yet.
Caleb Hammer
But you know his past.
Bri
Exactly. So why bring it up right now?
Bri's Boyfriend
You. Well, that's the thing you did. You knew that I spent over half a decade already helping somebody pay off their debt.
Bri
Well, I was never gonna ask you for help to pay towards my debt, so that's why I wasn't going to stress you with it until you can't.
Caleb Hammer
You lose your job and something happens. He's your boyfriend.
Bri's Boyfriend
Exactly. We're together. Like, this is kind of a big thing to keep for me.
Bri
But I wouldn't put him in that position.
Bri's Boyfriend
Why did you?
Bri
I said I'm not going to make him pay for my debt.
Bri's Boyfriend
But why didn't you just tell me?
Bri
I didn't want you to, like, reconsider things.
Caleb Hammer
Isn't that manipulative? Then this is a.
Bri's Boyfriend
A big thing to reconsider.
Bri
But it's not. It's not your problem to deal with. That's why I just was gonna handle it.
Bri's Boyfriend
You're right. It's not my problem to deal with. I've. I've dealt with this for too long,
Caleb Hammer
and it's weird that you're hiding it.
Bri
I was never hiding it. We just never talked about it.
Caleb Hammer
You never talked about it, but you did not engage.
Bri
I just. I did not see a reason to.
Bri's Boyfriend
Yeah, this is a hell of a thing to hide.
Bri
I didn't want to stress you out.
Caleb Hammer
That's. Hey, I'm just gonna let you know, that's the excuse that every single person that has come on in a couple's episode who ends up hiding even more things in the future. That's the exact excuse they use. I didn't want to stress you out.
Bri
There was no reason.
Caleb Hammer
Just gonna let you know that never ends up. Well.
Bri's Boyfriend
I just don't have the energy for something like that. That I. I just don't.
Caleb Hammer
So, like, I do agree, maybe we didn't need to have the full conversation yet in a. In a traditional relationship this early. But she knows your past. She's able to speak very well on the struggle you dealt with. Would it not make sense, in your opinion, that then she would have brought this up, knowing your struggle in the past? Absolutely.
Bri's Boyfriend
Absolutely. I was in a relationship where I never seen my own money, so I just don't want to hop into something like that again. I understand that you say it's not my problem, but we're together. It's going to be my problem.
Bri
But it's not your problem right now. It's not something.
Caleb Hammer
Yeah, but he knows it could be in the future.
Bri's Boyfriend
What about the future?
Bri
But I would never concern him with my problems.
Caleb Hammer
You can't say that.
Bri's Boyfriend
You. You have to. We're together. You have to concern me with your problems.
Bri
I mean, sure, if, like, we were to make a big investment together. Yeah. Then I would be like, hey, isn't you guys dating?
Caleb Hammer
An investment in each other?
Bri
Financial investment, the whole picture. But we don't have any exact joined finances or anything right now. Like, everything is separate.
Bri's Boyfriend
But that's still going to put a hole in any of my future plans if I do want to make an investment so far.
Bri
Future?
Bri's Boyfriend
What, are you kidding me?
Bri
My debt right now doesn't, like, affecting. Affect you and I don't know, but
Bri's Boyfriend
it will in the future. If we're gonna stay together, why don't you understand that?
Bri
And. And then we could deal with it in the future. But right now, it's not something that's a problem.
Bri's Boyfriend
Are you serious now? It's not something that's a problem. I. I can't. I can't do this. I can't do this.
Bri
I.
Bri's Boyfriend
Why?
Bri
I. I have another thing to tell you.
Caleb Hammer
What?
Bri
If we're being honest about debt.
Caleb Hammer
Yes. What?
Bri
Whenever me and my ex broke up, like I said, I had to Immediately get my own place. So I had to break the lease at my old apartment. And so they're wanting like, I don't know, like $2,000 for.
Caleb Hammer
I didn't have that debt. That's additional.
Bri
Well, it's not like an actual debt. They're just saying, hey, we want you to pay for this.
Caleb Hammer
That's a debt.
Bri
But it's.
Bri's Boyfriend
So not only do you have other debts, but you have a debt with your ex.
Bri
They want me to pay towards the apartment because I broke the lease early and I feel like I shouldn't have to do that.
Caleb Hammer
Sure. I don't have to.
Bri
I don't live in another war.
Bri's Boyfriend
Any damages on them, that's another worry. I thought you were gonna cut off all ties with your ex. I, I don't understand this. This is a lot to hide. I, I, we gotta have a serious talk because this is, this is really affecting me right now. I don't, I don't even know what to say.
Caleb Hammer
Well, I'm just gonna let you say, I'm just gonna let you know because I guess it's just honesty. Moment. Her ex is currently threatening her with a lawsuit, but she didn't want to tell you.
Bri
She says she'll sue anybody.
Caleb Hammer
I know, but you specifically didn't tell
Bri
your boyfriend because she's crazy. So why am I gonna be like, oh, yeah, my ex said she's gonna sue me if I don't pay her. She would threaten anything.
Caleb Hammer
But you just won't tell him anything
Bri
because why would I stress him out?
Caleb Hammer
Why would you tell. Yeah, yeah, why would I stress him out? Stress him out. That's your answer for everything, though. Just, you're allowed to say things because
Bri
I'm gonna handle my shit. I'm gonna handle my own shit. Why am I gonna put that on his plate? There's no reason for him to know and stress out about it. That's my problems.
Bri's Boyfriend
Look, look, that's a, that's a lot of debt. And I, I, I, I know around what you're making right now, this is gonna, this gonna take a long time.
Bri
Yeah, yeah, but I would handle that. I wouldn't ask him to help.
Caleb Hammer
What do you think about her negative balance in her savings? She actually owes her savings account money.
Bri's Boyfriend
I, this is all news to me. I'm already in shock. I just, like, I didn't even. Because she never asked me for money. I just, I, I knew she was on her own. I didn't know she had debt, though. I just, I, I was just giving money because, like, oh, you know, she's paying rent by herself. Like, roommate.
Bri
See, that's what I mean. Your service is terrible in here. The call probably dropped.
Caleb Hammer
You still with me?
Bri's Boyfriend
Yes.
Caleb Hammer
You want. Can you repeat that last sentence?
Bri's Boyfriend
I just knew that she was on her own and didn't have any help from roommates, so I was just like. I didn't feel obligated. I was just giving money to be nice. Yeah, I didn't know she, like, actually needed it.
Caleb Hammer
Well, you're giving her that money to be nice. And as you were saying that a notification for Pokemon Go popped up on the phone. And usually when that happens on the show. I haven't looked into it yet, but most guests spent spend 100 to 200amonth on Pokemon Go.
Bri
I haven't played Pokemon Go in years. I just never deleted it.
Caleb Hammer
Okay.
Bri
I have some. I have some shinies on there also.
Caleb Hammer
I did just find out that even though we're reimbursing her on Venmo, it actually might be a net loss because apparently she owes Venmo money as well. I didn't know that either. So it just keeps stacking.
Bri
I haven't used Venmo since like, high school.
Bri's Boyfriend
What else do. Do you owe?
Bri
I think that's it. I really think that's it. I don't think it's either. Yes.
Bri's Boyfriend
Are you sure?
Bri
I think so.
Caleb Hammer
This dude had to deal with a shitty relationship in the past where he was paying someone else's debt. I don't think you have to tell someone two months into. Well, two months into dating. I don't know. That is when we start having conversations. But even still, like, if you wait a little bit longer, it's not the end of the world. Three months maybe. But you know his problem? It would have only been fair for him to know what is going on in your life and tell him that you're working on it. Yes. Not. Not asking for help from him, but to let him know what's happening based on his past. Wouldn't you agree with me, Guy?
Bri's Boyfriend
I agree that I've had my kindness taken advantage of, and I don't want that to happen again. I really don't.
Bri
I never asked him for money. I never asked him for money.
Bri's Boyfriend
I never would in the future. Whenever. You said it's not a problem right now, but when it is a problem, that's what it'll feel like.
Bri
But I wouldn't put that on your plate.
Caleb Hammer
That you can't say that. You can't promise that you don't know what happens. In layoffs and stuff.
Bri's Boyfriend
You can't say that if we're together.
Caleb Hammer
Listen, before I let you go, I just want to know what's going through your head right now. And I'm, I'm sorry that you're learning this all at once.
Bri's Boyfriend
No, no, it's. I, I'm, I'm in shock. I've. I. You, you lost some, some trust points with me. I need to have a serious talk with you.
Bri
You.
Bri's Boyfriend
I, I'm. I'm heartbroken, honestly.
Caleb Hammer
Yeah, that's fair. That is fair. She said she's sorry with a smug, non believing face.
Bri
How's that smug, non believing? I am sorry. I didn't want to stress him out. That was. The whole point is I didn't want to stress him out. Now he's worried about it and it's not his problem.
Caleb Hammer
All right, well, have a good rest of your day.
Bri's Boyfriend
YouTube.
Caleb Hammer
What the is wrong with you? And you told him you're going to the doctor today to hide that you're coming on financial audience.
Bri
Right?
Caleb Hammer
Like all this. Like, what is wrong with you? Can you tell the truth about anything?
Bri
Yes. What if you're going to the doctors, he's your boyfriend.
Caleb Hammer
You can just say things.
Bri
I dealt with my ex for so long.
Caleb Hammer
Your answer was just about. Because he didn't need to know. That's what you were starting to see.
Bri
He didn't. I didn't want to stress him out with it. I didn't want to stress him out.
Caleb Hammer
That's such bullshit. That's. But you lied about where you were going. You didn't just not say. You could have just not said where you were going. Going. But you literally lied.
Bri
I'm not at work.
Caleb Hammer
You said you were going to the doctor.
Bri
Because I'm not at work.
Caleb Hammer
Huh?
Bri
If I'm not, I know I have to say I'm going somewhere.
Caleb Hammer
But you had to lie about where you're going. So you lied.
Bri
Sure. Because I did. Because I didn't want to tell him I was coming here to do this.
Bri's Boyfriend
Yes.
Bri
For this. To stress him out.
Caleb Hammer
Yes.
Bri
That was the whole point, is that I didn't want him to stress.
Caleb Hammer
You don't get to choose that for him.
Bri
That's my problems. It's not his problem.
Caleb Hammer
It actually is his problem now that his girlfriend is lying.
Bri
Now it's his problem. Because you wanted to call him. It wasn't.
Caleb Hammer
It's been his problem. He just didn't know. Because you're lying to him.
Bri
It was not his problem.
Caleb Hammer
He has a lying girlfriend that he can't trust.
Bri
He can.
Caleb Hammer
No, you're literally saying that if you cheated on him and if he didn't know, it wouldn't be his problem. But the moment he knows, then it's his problem because he found out the same because he found out his girlfriend's a cheating.
Bri
No, that's not the.
Caleb Hammer
Like you likely were with your ex.
Bri
And I'm not a cheater.
Caleb Hammer
Huh. Anyway, you're lying about pretty much everything. Really not helping with her case there.
Bri
I. If I'm the bad guy, I'm the bad guy. But I.
Caleb Hammer
Come on. Look what you just did. The dude's like.
Bri
Well, because you wanted to call him.
Caleb Hammer
Yes, but he should have known this information regardless.
Bri
And he would have known eventually.
Caleb Hammer
Eventually. Eventually never comes for people like you.
Bri
He never. Eventually, he would have known.
Caleb Hammer
Eventually. You just say the same thing. You just immediately. You can't rebut what I say, so you just say it again. Again.
Bri
I feel like. Again. I just feel like there was no reason for him to know right now. It was my problem to deal with, and I was going to deal with it in my time the best way I could.
Caleb Hammer
It's kind of gross. And he agrees with me. And he agrees with me that you should have told.
Bri
Well, yeah, of course he's going to say that. Of course he's going to say that.
Caleb Hammer
Well, there you go. That's your partner. The person you're building a life. Life with now.
Bri
Yeah. And I'm.
Caleb Hammer
Who thinks how you did this was wrong.
Bri
I can't fix it now.
Caleb Hammer
No, but you keep defending it because
Bri
what else is there to do?
Caleb Hammer
The alternative.
Bri
And what's the alternative?
Caleb Hammer
You would have told him earlier.
Bri
Okay, well, he knows.
Caleb Hammer
But you keep defending that you didn't.
Bri
Okay, well, now he knows. So now it is what it is and he knows. And if he stays with me, then great, we can work past it. And if this is too much for him, then.
Caleb Hammer
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Bri
I did take the test. Test.
Caleb Hammer
Proud of you.
Bri
I got a 4.5.
Caleb Hammer
Really?
Bri's Boyfriend
Yeah.
Caleb Hammer
That impossible negative savings. You answered wrong. If you want to take the test and answer correctly to get your Hammer Financial score, do it for free@caleb hammer.com that's literally impossible. But shut up for a second.
Bri
Good.
Caleb Hammer
Hold on.
Bri
Can you not shut up for a second?
Caleb Hammer
So you're so obnoxious. Sorry, I don't see return so like it doesn't make sense. Okay.
Bri's Boyfriend
What?
Caleb Hammer
Get it@caleb hammer.com it just takes a few minutes. It's free and you can see where you stand in the world of finance. And if you don't want to be like her who ends up on the show so you can answer the questions correctly, download the dollar wise budgeting app list and tens of thousands of monthly active users use it for a reason. They are changing their lives with those automatic account connections. The insights that you actually need to change behaviors and choose what is important wants. Not important wants. Things that make you happy. It helps to rank that shit so you can actually make the cuts you need the easiest way possible. It is changing lives. So get your free trial Dollarwise.com or just download the app. Click the link in the description below. Remember, most people take the annual version because it saves a lot of money. You get my detailed 30 day meal plan that we have custom made to stick to a budget. And it is for every snack, drink, meal for a full month that you can repeat. I will sign it and mail it directly to you. There you go.
Bri
Thank you. Do you go to the gym? You do. Do you skip leg day when you go?
Caleb Hammer
Yeah.
Bri
Do you really? I mean, I just purposefully.
Caleb Hammer
I go. I go there because it's too hot out, so I just do the treadmill.
Bri
You only do treadmill?
Caleb Hammer
Yeah.
Bri
Maybe you should focus on leg day. Okay. You. I saw your.
Caleb Hammer
I don't know what this is.
Bri
Your ankles are like that big around.
Caleb Hammer
Is that true?
Bri
Yeah. Your ankles are so small. You. You're really. You're top heavy. You're really top heavy.
Caleb Hammer
Well, yeah, I got a fat belly. I don't. Bad chat. What are we doing? What are we doing here?
Bri
Okay, I think.
Caleb Hammer
Let me know. Chat. Yeah, I think she's trying to find a way to get back at me after like I just ruined her relationship because she's a piece of shit.
Bri
I'm not a piece of shit. And the relationship's fixable.
Caleb Hammer
Oh, wow. You'd be great to be with.
Bri
It is fixable.
Caleb Hammer
What a dream.
Bri
Everything's fixable.
Caleb Hammer
Okay, so you can't borrow anything from what I think here is cash app because you've already hit your max.
Bri
Yes, that is cash app.
Caleb Hammer
Why are you owing. Why are you at that? Overdue, by the way. I wish I saw that before I could even talk to him. Well, shit. Okay, listen. You're not only at that limit of $600 that you owe cash app. But you're overdo your payment.
Bri
Well, my limit used to be higher. My limit used to like be doubled up.
Caleb Hammer
So that's okay that you're not paying this on time?
Bri
No, I didn't say that. I just.
Caleb Hammer
Then why was that your response? I'm confused. Your responses are never.
Bri
You said I'm at the limit and my limit is.
Caleb Hammer
Well, you're at the limit now. I don't care what it was. This is what it is.
Bri
Is.
Caleb Hammer
Why do I care about was when is is?
Bri
I'm just letting you know.
Caleb Hammer
Thanks for the fun fact. I'll remember that in trivia about your life.
Bri
Okay, thanks.
Caleb Hammer
This is maxed out today.
Bri
Okay.
Caleb Hammer
And you're not paying it on time. So if you're not paying it on time. You're at the actual max today. Now you're not doing better than G, and he doesn't even know that you're behind the payment. So what the. This is another high. It's another hide from him. You're hiding as you're not even making the minimum monthly on time when you even said my money is going towards paying debt at the beginning.
Bri
You.
Caleb Hammer
It is past due overdue.
Bri's Boyfriend
Mm.
Caleb Hammer
Why. Why didn't you pay when you needed to, when you were supposed to?
Bri
I had other bills that came first.
Caleb Hammer
Oh, I went out to eat the critical necessity, the Labo boo or whatever the. You're getting at. Pop.
Bri
Funko Pop.
Caleb Hammer
Funko Pop, that's right.
Bri
No, I don't go to popmart.
Caleb Hammer
Okay, Funko Pops. So you're getting.
Bri
Funko Pops are different.
Caleb Hammer
Funko. Okay, very good. You're getting your Funko Pops. That is more important.
Bri
They're like $15.
Caleb Hammer
I mean, you told Colton in the green room, like, ooh, I hope my reimbursement comes to cash app today. So I can put. You know, I can put.
Bri
I said, if it went to cash app, that would be great. That would be great.
Caleb Hammer
So that it pays that off. So I can borrow more money.
Bri
That'd be great.
Caleb Hammer
Yeah, maybe more Funko Pops. I put that part in, but I
Bri
enjoy my fungal pop collection.
Caleb Hammer
What was more important than making a payment towards this? Maxed out.
Bri
I had other bills. I had other bills.
Bri's Boyfriend
How.
Caleb Hammer
How can you say that if where your money is actually going is going not to eat and other bullshit?
Bri
I had other bills. I had other bills, and I. Oh, my gosh.
Caleb Hammer
Literally, I swear, this is how. This is how something goes for you. I ask you a question, and you're like, well, the answer is this pen. And I'm like, okay, well, tell me about the penny. Well, the answer is this pen. Like, you're only able to say what you've already said. You can't go into further detail about anything. You're incapable of literally getting past the first brain cell in your brain.
Bri
I'm telling you, I'm giving you an answer.
Caleb Hammer
No, no, no, no. You're literally just repeating the same thing over again. I said, why aren't you making the payment? Well, there's more bills. Okay, tell me about your bills. What's happening? Where's the money going?
Bri
I pay my other bills.
Caleb Hammer
Well, there's more bills.
Bri
My other bills. I have rent. I have my car payment. I have car insurance. I have Internet. I have electric. I have my phone. I have to Put in my car.
Caleb Hammer
Well, he pays for that.
Bri
Not all the time. Not mostly pays the time.
Caleb Hammer
Come on, even he was basically saying
Bri
that I sure he doesn't pay for gas all of the time. I still put gas in my own car. But after all of that said and done, I then will go out to
Caleb Hammer
eat Funko Pops bullshit. Miscellaneous, dumbassery.
Bri
I've paid all my bills though, so why can I not?
Caleb Hammer
This is. You have not. You owe the 600. It's maxed out and you're past due. You can't. You. You literally cannot say you paid all your bills. This is a bill.
Bri
It'll get paid eventually.
Caleb Hammer
Okay, so there's the eventually. The same eventually that is. You will tell him. So you see how. How valuable that word eventually is for you?
Bri
Everything comes in due time. Everything comes in due time.
Caleb Hammer
What is that? Due time? Actually, in fact, the due time was officially due already. You just chose not to. So the due time has already happened.
Bri
There were things that were more important
Caleb Hammer
than that, Funko Pop Pop.
Bri
There were other things that were more important than that.
Caleb Hammer
What? You can't describe. I. I mean, you talked about rent, utilities, but you're making it sound like there's something else.
Bri
Well, no, it's just that.
Caleb Hammer
What are you hiding? Is that him?
Bri
No, that's not him. Why is your phone.
Caleb Hammer
Why. Why is it on ring?
Bri
So I can hear when it goes off. So you can.
Caleb Hammer
You're one of those in public allowing loud noises to.
Bri
Just loud noises. It's public, dude. God forbid someone has their ringer on in public. Public. Oh, my God. It's not like I'm at a library. God forbid I have my ringer on.
Caleb Hammer
I want to be clear. When I say you people, I don't mean black people. Okay, but why do you people.
Bri
Go ahead.
Caleb Hammer
You people not care about public spaces that you're in. Why not black people? People like you.
Bri
Why can I not have my ringer on?
Caleb Hammer
Because us.
Bri
Is that a crime? There's a setting. You turn it on and off.
Caleb Hammer
It's actually not a crime.
Bri
It's a choice.
Caleb Hammer
You're making this selfish choice.
Bri
How is that selfish to have my ringer on? Dude, you have to turn the ringer off when you get your phone. It comes on.
Caleb Hammer
I feel the buzz. I feel the buzz in my pocket of ringing.
Bri
Okay, My phone's not in my pocket, so I wouldn't feel a buzz. So I would have the ringer on to hear it ring with my ears.
Caleb Hammer
The thing is, in public spaces, the rest of us have Decency and try to keep it nice and peaceful for everyone else to exist. Oh my God.
Bri
Is it going to ruin your day that you heard someone's phone ring?
Caleb Hammer
It's not just about ruining it it mindset. Do you go on speakerphone in public?
Bri's Boyfriend
No.
Caleb Hammer
Listen, the ringer itself isn't the worst thing in the world. It's just the overall behavior. And I thought you were really going down the pipeline of like all that other bad stuff too, but I'm glad you don't because it is really bad when people disturb. When people just are selfish and I try.
Bri
Exactly. That's the whole. That was. See, that's why I didn't want to tell my boyfriend. Innocence and whatever. I try to not stress other people. I am a people pleaser in the sense of like, I want to make others happy. I want to make sure other people are comfortable.
Caleb Hammer
Which is why you hide things from the boyfriend. You don't tell him anything. You're not a good girlfriend.
Bri
Stress him out.
Caleb Hammer
All you do is suck him.
Bri
And that makes him happy. So.
Caleb Hammer
Exactly. So you think you could just hide things from him?
Bri
If that makes him happy, great luck
Caleb Hammer
a couple months in.
Bri
And I do. So, yeah. If he's gonna send me money for gas after I give him some Gawk 3000, then yeah.
Caleb Hammer
And whoever you cheat on with him will.
Bri
No, he's the best.
Caleb Hammer
Also know how good it is.
Bri
So I would not cheat on him. He's the best boyfriend I've ever had. He's a golden retriever boyfriend.
Caleb Hammer
He's literally three months in.
Bri
Sweet. He's such a gentleman. No, he literally treats me like a princess. Okay.
Caleb Hammer
Yeah, I don't think he's very happy with you.
Bri
Well, yeah, he probably isn't happy with
Caleb Hammer
me now, nor should he be.
Bri
Sure.
Caleb Hammer
And I don't think enough Glock clock will make up for the fact that you are a hider.
Bri
I don't know. All men are convincible with a little clock.
Caleb Hammer
Yes, but then the post not clarity. He realizes he has a in his bed.
Bri
Okay. And then I girl, see how.
Caleb Hammer
Okay, the thing is. And this is what's so annoying is like we told you to put it on mute. The also other thing is, is it's not in your purse. It's right there. It can be on mute. You are someone who doesn't care about the environment.
Bri
You just said to call my boyfriend. So you just gave me the phone. You just gave me the phone.
Caleb Hammer
Yeah, but you could have muted it after the last call.
Bri
Okay, well, sorry. I Didn't mute it.
Caleb Hammer
That's just how I keep the screen now. Exactly. That's what I'm saying. You don't recognize the space you're in and how it's inappropriate and rude that your phone is going off in the middle of filming this episode. Okay, what is wrong with you?
Bri
Okay, well, I turned it off. Good.
Caleb Hammer
After I had to tell you after the second time because you had no semblance of courtesy.
Bri
It was. That was my ex. That was the ex.
Caleb Hammer
That was the ex?
Bri's Boyfriend
Yeah.
Caleb Hammer
Okay, well, we'll call him in the post show then.
Bri's Boyfriend
Sure.
Caleb Hammer
We already. Oh, your ex.
Bri
The ex. That was my ex.
Caleb Hammer
What the would she want? Is she gonna threaten to sue again?
Bri
No, because she knew I was coming here and so. But she didn't.
Caleb Hammer
Oh, the ex knows her coming here but not the current boyfriend she didn't want.
Bri
Well, because a lot of my finances were involved with her.
Caleb Hammer
I'm gonna call the boyfriend.
Bri
She didn't want.
Caleb Hammer
Tell him that you told the ex are coming but not him. She.
Bri
She wanted. She didn't want to come on the show.
Caleb Hammer
Well, she's your ex. Why the would she be here?
Bri
Oh, I'm not saying I wanted her to come anyway. I'm just saying.
Caleb Hammer
So she just called you and said, I don't want to come on the show?
Bri
No, she's. No, she's. Because she knows a lot of my money went to her her and God forbid she looks like the bad person.
Caleb Hammer
So to confirm, your $600 that you owe to cash app is because of her.
Bri
I borrowed a whole lot of money.
Caleb Hammer
You are behind on making the payment because of her.
Bri
I borrowed a.
Caleb Hammer
You chose a Funko pop over it because of her? Yeah. You're a lying. Let me see a picture of her.
Bri
She's very masked. She's very.
Caleb Hammer
Knew you had issues.
Bri
She is tweaking out. Oh my goodness. Yeah, she's crashing out. Dude.
Caleb Hammer
You know, that's fine.
Bri
No, dude, she's crazy. This was us at Ren at the Renaissance Festival last year. She's very mask presenting. She wanted. That is a man she wanted to transition. That's a man she wanted to transition.
Caleb Hammer
Ah, that makes more sense. Show me a picture of the current.
Bri
The new boyfriend. Oh, well, here, I'll show you this. Here we have. I turned it around so it wasn't on camera. We have a like the. The Polaroid.
Caleb Hammer
You're so gay.
Bri's Boyfriend
Why?
Bri
It's cute. That's us. He's so sweet. He's like 5:11. He's like a goofy.
Caleb Hammer
That Must be it, right?
Bri
He's like a goofy white boy. I love him.
Bri's Boyfriend
Okay.
Bri
He's so sweet.
Bri's Boyfriend
No.
Bri
So yeah, my ex really wanted. I'm just gonna say.
Caleb Hammer
Listen, she.
Bri
God. No.
Bri's Boyfriend
God.
Bri
God.
Caleb Hammer
Dude looks like what every guy who complains that he can't get with anyone looks like. And he just broke up with a five year old old or a five. Five.
Bri
What do you mean by that?
Caleb Hammer
Five year relationship. And then got her. Which means that if you're out there not not getting a girlfriend in a weird incel, it is your fault because everyone can get someone. And that was proof.
Bri
He's so sweet.
Caleb Hammer
Realize how she doesn't say handsome? It's all he's so sweet.
Bri
He is handsome. I call him my sweet angel baby boy.
Caleb Hammer
Yeah, that's what every guy likes to hear. Oh, you're so adorable. Okay. $0 in cash app went down from 25, so that's great. Smoking more. So that's what we do instead of paying down our debt. Because that's 20 bucks.
Bri
It helps us stress.
Caleb Hammer
Okay, well, you're stressed out more because you have a nicotine addiction.
Bri
It helps when I.
Caleb Hammer
You're stressed out more because you have a nicotine addiction. When you're not hitting the bait.
Bri
Nicotine helps. When I'm stressed.
Caleb Hammer
I tell you need to hit again, then you have to hit.
Bri
But when I'm stressed and I take a hit, oh my gosh, I feel better.
Caleb Hammer
Yes, yes, that is true. And then that costs you $20. Instead of paying down your.
Bri
Your day, they last.
Caleb Hammer
Which is adding more distress.
Bri
They last me. A vape will last me like two weeks. Like paycheck to paycheck.
Caleb Hammer
Is that a lot? I don't know.
Bri
That's not a lot.
Caleb Hammer
Paycheck to paycheck. Every vape you're. Most people will go through paycheck vaping.
Bri
No, most people will go through a vape in like three to four days like mine last.
Caleb Hammer
That's your brag is that you're addicted only twice a month. Go just off your entire life.
Bri
Well, there's some people that smoke a pack of cigarettes a day. Like good.
Caleb Hammer
There's people that do heroin. This doesn't make that good. Sure. But I'm like, it doesn't make sense to me. There are people on my 100600 pound life. Doesn't mean I'm healthy. You see how that works?
Bri
Leg day.
Caleb Hammer
Leg day is not gonna make or break this, but I get it. Cash app. Well, you sent money in, then you went inside, got some or gas. Hard to tell with that price for
Bri
where is it shut. I'll tell you if it's gas or 7 11. 7 11. That was probably an Alani.
Caleb Hammer
What do you get? A Lonnie. You Alani. Why Alani? You can't afford to pay back a loan to cash yet. Energy drink actually isn't. For what it's worth, this one is. I'll give you this. Gamer subs. It's Gooni.
Bri
What flavor is that?
Caleb Hammer
Fun.
Bri
Oh, that's Jojo's. That's cute.
Caleb Hammer
Well, there you go.
Bri's Boyfriend
See?
Caleb Hammer
You know what? I don't even know this flavor personally. I give them out random.
Bri
Do you know any anime?
Caleb Hammer
No. I saw Arcane.
Bri
Arcane is really good. Arcane Recently. Oh, wow. It's been out a while. Arcane is very good. It's a very different art style, which. Which is really nice.
Caleb Hammer
Well, that's okay. We're not reviewing. But the thing is, that is a lot better. First of all, it does taste better than Alani. We did blind taste tests. Confirmed. And our guests say so. And people in the audience say so Ocean. And not only that, but after you figure out what flavor you like by getting the free samples with code Caleb in the link in the description below. Once you get a pack like that, that is 40 cents a serving with my 10% off that you get with my link below. So that is 40 cents a serving to make your energy drink at home. No more going inside and getting some. Figure out what flavors you want with the free samples and then get the delicious stuff. So you're doing that now instead of stepping, stopping in 711 and getting bullshit. Okay, who's texting you? Who's blowing it up?
Bri
My ex. She like left me a voice message and she's like blowing me up right now.
Caleb Hammer
Let me see. Hold on.
Bri
Okay, so yeah, she sent all that. I don't know what's in the voice message.
Caleb Hammer
Your phone. What the fuck? Oh, my gosh.
Bri
I'm telling you, she is crazy.
Caleb Hammer
Okay, okay, okay. I know you're talking shit about me on the Internet. See, someone called me from Caleb, you tried to call her. Oh, and get her on.
Bri
Oh, my gosh. Bitch. What the fuck? Pick up your fucking phone. Are you in Austin?
Caleb Hammer
She doesn't sound very masculine.
Bri
No, she doesn't. When we would go out to eat,
Caleb Hammer
if I would see a guy that looked like a man and came out with that sounds like a batch.
Bri
When we would go out to eat, if we were at like a dinner table, when the waiter would come up and they'd be like, for you, sir. And then she would start. She. No, but listen. She would start talking, and they'd be like, oh, I'm so sorry, ma', am, but she wanted to transition. She wanted to be a boy. So then it would, like, hurt her ego that way that they realized that she was a girl. And.
Caleb Hammer
Wait, you're p. She. You're paying a credit card via this? Oh, well, I guess this isn't your loan account, so that's actually okay. Yeah, no, you transferred money in Foggy dude.
Bri
Yeah.
Caleb Hammer
What is it?
Bri
It's a vape shop.
Caleb Hammer
Oh, my gosh. So, okay, there we go. We're at 50 bucks now. 50 bucks that it could have gone towards your debt. Did you refuse to pay? You won't even make a payment on time. You won't even make a payment on time, but you'll spend 50 bucks on vape. Vaping. Go yourself. Everything you've said has been a lie. Drawdown. You took 20 bucks in, and that was to get the vape. And then you went to Dawn Donuts. 18 there.
Bri
I'll get donuts for the office.
Caleb Hammer
Is actually fair. The first fair one, yeah.
Bri
Because I had to get a change of address when I got my new apartment, so, Yeah, I did have to
Caleb Hammer
pay for that, too. I don't think anyone really.
Bri
On my license, it had my old address, bro.
Caleb Hammer
My license has five addresses ago.
Bri
Well, that's if you. Isn't it? Like, if you get pulled over and that's not up to date, they can, like, get you.
Caleb Hammer
Oh, trust me, they have not done anything with that. Love you, cops.
Bri
Okay.
Caleb Hammer
Keep making sure nothing happens.
Bri
I was told that it was important that, like, it's actually true. So, yeah, I got my address.
Caleb Hammer
My address is the address I moved down here eight years ago.
Bri
Oh, maybe you should update that.
Caleb Hammer
Okay. Loan drawdown.
Bri
Your Tesla will get followed to today. You'll get red flagged.
Caleb Hammer
Mostly just transfers on this page. Sending money to other people or getting money in from some people and sending money to some people.
Bri
What.
Caleb Hammer
What are you doing to my.
Bri
That. It was more than likely to my grandma.
Bri's Boyfriend
Why?
Bri
So my grandma. My grandma raised me, My mom raised me. Well, no, no, no. Yeah, my grandma raised me. And so whenever I moved out, like, I had planned to live with my grandma my whole life. And so whenever I left, we were best friends. Like, we were best friends. I love her to death, but whenever I had moved, it really hurt her. Like, it was, you know, like baby bird leaving the nest, whatever. She was happy to see me grow. And to see me go on with my life. But anyway, so after I left, she really went downhill. Like, she went downhill really bad.
Caleb Hammer
I want to go with you then.
Bri
I want to. I tell her all the time because she only gets Social Security. So I tell her.
Caleb Hammer
How old is she?
Bri
She was born in 64. So she'll make me. I don't know, math. She'll be. She's in her 60s. She's like 63, I think, grandma. Okay, yeah, yeah, yeah. Everyone in my family is really young.
Caleb Hammer
Oh, getting more Lonnies too, then. VTG
Bri
that's my apartment. That's my apartment.
Caleb Hammer
Scooter's coffee. That ain't. Don't bleep it. Calm down. Shut the up. Scooter's coffee. That ain't your apartment. Doing that will not paying down your debt.
Bri
I get points. I use my points most of the time.
Caleb Hammer
Well, no, this is actually from a checking account, so literally.
Bri
No, I get more points when I,
Caleb Hammer
like, use a checking account.
Bri
Well, I'll scan. It's like you can scan a QR code. So if you pay on your credit card.
Caleb Hammer
But we're not paying down your cash app debt, but you're using your cash app checking account. This is so stupid. So how much do you give your grandma? And what. What is it for again? You said she's going downhill, but what does that mean, giving money?
Bri
Okay, so whenever I moved, obviously, my whole life was in Maryland, and so when I moved.
Caleb Hammer
Why do you have to give her money?
Bri
I'm telling you. I am telling you. Let me finish.
Caleb Hammer
Why does it have to be such a big lore?
Bri
Use your ears.
Caleb Hammer
I hate your big lore.
Bri
So whenever I moved, I had too much stuff to take with me. We drove from Maryland to Texas. I had too much stuff to take with me. So my grandma said, I'll just get a storage unit here, and then whenever, you know, you want some of this stuff, you can come get it. Cool, whatever.
Bri's Boyfriend
So.
Bri
And she told me, she was like, I'll pay for the storage unit. Don't worry about it. I'll hand it. So she kind of went off the rocker, and she was going out with her friends and drinking and doing drugs, and she was living her life.
Caleb Hammer
Yes, my grandma, she was doing drugs, like, a couple years ago.
Bri
Yes. Yes.
Bri's Boyfriend
What drugs?
Bri
She was smoking. Crazy.
Caleb Hammer
What the.
Bri
What the. Was at the bar. She was at the bar with some of her friends. And what, her friends.
Caleb Hammer
Grandkid moves out. So she goes and just starts smoking crap.
Bri
There were baby steps. There were baby steps for sure. Like she how do you get to that? It's the last, like. So she was going to the bar more often. And so she was meeting bad influences. And our small town, our small town in Maryland, Our small town in Maryland was like really bad for. Was really bad for. And so she fell into the bad crowd. She legitimately fell into a bad crowd. And everyone around her was smoking looking girl. And it was cheaper woman just started smoking. Yes. Yes. At 60 years old. And so I told her, I told her, I was like, girl, you have to. She didn't talk to me for like a year. So she borrowed money. Yes. No. So she asked me, she texted me one day and she was like, hey, can I borrow some money? I have some parking tickets. I need to pay up or else they're going to take my license. I said, sure, I'll help you out. And I sent her some money and she asked for like a hundred. And I, I only had 50 at the time. Time. She was like, that's fine. That should work. She told me that she went and paid these tickets and that they let her keep her license. And then I asked my mom, I was like, hey, that's a little shady. Wouldn't they need the full amount? My mom was like, yeah, they would need the full amount. They wouldn't let her pay partial. So I asked my grandma, hey, what did you actually do with that money?
Caleb Hammer
And she like, stop bleeding out money. Making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of l lining some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you. You get personalized offers from multiple lenders in one place, you can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment payment at a much better rate. Check out the Link in the description below to see your personalized offers or go to calebhammer.com and remember, you still gotta do the work. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and F. The number one ranked energy drink is gamer.
Bri's Boyfriend
Literally.
Caleb Hammer
The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below.
Bri
Type in code Caleb bust down crying on the phone. She was like I you know I was doing drugs. I'm so sorry. I was ashamed of myself. But because she went downhill like that, she wasn't paying on the storage unit with my stuff in it. Oh it went to auction three times.
Caleb Hammer
Oh my goodness.
Bri
Because she was smoking paying on it and she was spending her money elsewhere. So I had to pay like Trading
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Bri
Learn more@schwab.com trading $500 dollars each time because I didn't want to lose my stuff like I might are in there like well just ship all the important
Caleb Hammer
things and get rid of the rest. I don't understand why you're holding on to so much but go ahead.
Bri
I mean that's my whole like that's my everything stuff but that's my everything.
Caleb Hammer
Oh yeah. What's wrong with America? It's stuff just bring down a couple of important things.
Bri
And I did, I did bring the importance.
Caleb Hammer
Well there you go then sell the rest.
Bri
But that's my no it's stuff. No who cares she that she questions quit. I really do believe it. Like she's quit smoking. She's quit cigarettes before. Like I really do believe her when she says she's quit. So I trust sending her 1520 dollars
Caleb Hammer
and she what is this credit Card.
Bri
That's like my only credit card. That's my.
Caleb Hammer
What is it? I don't know what the title is. What kind of credit card is it? What company?
Bri
It's through my bank.
Caleb Hammer
What bank do you have?
Bri
Amaco. Okay. Oh, you have asked. You asked. What kind of card is this? That's a credit card.
Caleb Hammer
What credit card is it? Amico.
Bri
It's a Amaco credit card.
Caleb Hammer
Oh, my. Shut the up. 481.52. Yeah. 500 credit limit. No, you're not spending. I didn't spend another month.
Bri
You can't. You can't, you can't.
Caleb Hammer
13.65.
Bri
There's still like, shut the up.
Caleb Hammer
Percent interest rate, minimum monthly payment 15. And you couldn't figure out statements to save your life. I don't know how you do anything.
Bri
I tried. I tried.
Caleb Hammer
Yeah, I'm sure you tried so hard.
Bri
Anytime it would like. There wasn't a download option. There wasn't. There wasn't.
Caleb Hammer
Balance was lower. So you did spend on this. You line piece of. Are you sure you don't do.
Bri
I'm sure I don't do. I am sure. All the medicine I take is prescripted by a doctor.
Caleb Hammer
We usually do, like, soft launch it near you, right?
Bri
What are you talking about?
Caleb Hammer
Like, we usually like, just like.
Bri
No,
Caleb Hammer
have fun, guys.
Bri
No, no.
Caleb Hammer
So that we can come in there and like bulldoze housing or something.
Bri
No, it's just. No, it's not like that. It's not like that at all. What do you mean? What do you mean? Like, what do you. Are you implying that I have done?
Caleb Hammer
Well, no, no, no, but, you know,
Bri
like, you know, that's kind of stereotypical for a black person.
Caleb Hammer
No, no, no, no. I was stereotyping white people here.
Bri
Oh, okay.
Caleb Hammer
Where we put it in your community.
Bri
Oh, like, like gentrification type deal. Like.
Caleb Hammer
Well, you know, like what you think gentrification is.
Bri
No, because, like, you would have, like, slums where, like, they corral all these people to make more money and then pump it with drugs and no grocery stores. But then I was making a reference to, like, the gentrification epidemic. Yeah. It all goes hand in hand.
Caleb Hammer
It was a long time ago. The big thing. The big. What was it?
Bri
80s? Yeah, yeah, 80s. Yeah, it was booming. Yeah, it was booming. For sure.
Caleb Hammer
Your grandma would have been rich or dead.
Bri
Oh, man. No, she's still kicking. She's still kicking with a lot more
Caleb Hammer
energy than before, right?
Bri
Yeah. Oh, yeah, for sure.
Caleb Hammer
Locked in at all times.
Bri
Yeah, she's running, she's Running for sure. But yeah, to my knowledge, she said she stopped. So.
Caleb Hammer
Yeah, yeah, you're getting Five Below. Gas. Bullshit. All on that credit card.
Bri
Five Below was for Christmas. Five and Below was for Christmas.
Caleb Hammer
What did you get from Five Below for Christmas?
Bri
They had like these tiny gingerbread kits. Oh, okay. It was for our Christmas party. We had a competition who could build the cutest gingerbread house. Or like, you ever see that game where you get the Saran Wrap ball and you have to like unwind it and there's candy in it and stuff like that? I went to 5 and below. Oh, okay. Well, yeah, it's a Christmas game and so I went to 5 and below to get stuff for Christmas.
Caleb Hammer
5 and below.
Bri
5 below. That's the name of it. We'd always just call it.
Caleb Hammer
No, it is 5 and below.
Bri
The sign says 5 below. There's no ambulance.
Caleb Hammer
Is it 5 below or 5 and below?
Bri
I've always called it 5 and I've
Caleb Hammer
always called it 5 below.
Bri
But the actual name is 5 below. Cause there's a degree symbol.
Caleb Hammer
I don't know. Okay.
Bri
Anyway, but I went there cause I knew it was cheap. And so I got my Christmas stuff there. Stuff for the Christmas party.
Caleb Hammer
Okay, so Gingerbread house.
Bri
Yeah.
Caleb Hammer
Okay.
Bri
And then like candy and like little things for the Christmas party. Yeah. Were there bars, little prizes on the
Caleb Hammer
windows of the ginger bar house?
Bri
No one was like a Minecraft house. They were themed. Like, it was like Oreo theme and like Minecraft theme. Little gingerbread houses. It was not a jail.
Caleb Hammer
Was yours?
Bri
It was not Oreo themed. I picked the Minecraft theme, actually. Little gamer girl. Hehe. Ha ha. I have been called an Oreo before though, if that's the joke you're making. My mom's white and my dad's black, so yeah, I have been called an Oreo. Please make a better black joke. Your father not in the picture. That is a stereotypical black kid.
Caleb Hammer
I was just gonna ask.
Bri
He left.
Caleb Hammer
Just wanted to confirm.
Bri
No. So, yeah. How you said, oh my. She's really young. My mom also had me really young. My mom had me when she was 15 and turned 16 that December. He. Oh, a predator is what he. He was like in his 20s, so my mom met him. He lore, I guess. More lore. He was a drug dealer. Oh, he was from New York. He was from New York. He was a drug dealer. And my mom would drive up and down the east coast with stuff in the trunk and she would park somewhere. People would come up and take it out. And then she would Drive away. That's my dad and my mom and that's their life. Well, they had me.
Caleb Hammer
You don't have to do stereotypes in reality.
Bri
It's the stereotype. It is the stereotype.
Caleb Hammer
It is fun to make fun of, but it didn't have to be real.
Bri
But it is real. So just so you know. But it's even funnier to joke about when it is the real life. So he left when I was three
Caleb Hammer
months and he surprised he made it that long.
Bri
He could walk past me on the street and I wouldn't know. I have no idea what he looks like. I don't know his name. I don't know.
Caleb Hammer
Cause they all look the same.
Bri
Anything. No, they don't. We have different complexions, different features.
Bri's Boyfriend
Yes.
Caleb Hammer
I was joking, silly goose. Stop it.
Bri
What's your ethnicity?
Caleb Hammer
What do you think?
Bri
White? I would say Greek. You look like you have Greek.
Caleb Hammer
Yeah, it's because the olive skin. I was 25% native. The rest is white.
Bri
Oh, like feather Native.
Caleb Hammer
See, that's racist. I can joke. That's racist.
Bri
Native American. The people that were here first. Not Indians. Native.
Caleb Hammer
There's, you know, they prefer Indian.
Bri
Indian. Really?
Caleb Hammer
Yeah. It's the white SJW that are offended on other people's behalf. I have to call them Native American.
Bri
I had never heard that before. I thought Native American was the appropriate term because they were native to this land.
Caleb Hammer
The technical appropriate term. They call themselves Indians.
Bri
Okay, Well, I didn't know that.
Caleb Hammer
Yeah.
Bri
Okay.
Caleb Hammer
It's always how young women always offended on other people's behalfs that aren't offended in the first place. Classic Americans. Okay, you $55.
Bri
That was the.
Caleb Hammer
But you're American. You're not African.
Bri
I am. Have you ever filled out a form where it asks what your race is? It's Caucasian. African American.
Caleb Hammer
Other black people have told me that's offensive, though they would rather be called black because they're not less American.
Bri
It's just the type of. I guess that is true. I guess that is true. Everyone's American. If you're born here, I guess that is less American. But like, people used to be like the blacks, like they used to. Like, that's how they would used to say it. So, like, just to be called like that black hair.
Caleb Hammer
And I used to say the N word, but I don't anymore.
Bri
Good job.
Bri's Boyfriend
Okay.
Bri
I would believe that.
Caleb Hammer
I've never said it in my life. No, I never have.
Bri
Really? Congrats. That's awesome. Genuinely. That is awesome. I'm glad it's not in your vocabulary? Because during BLM's.
Caleb Hammer
Well, no, no, no. I never said it. I think it when I jerk off, but I've never said it.
Bri
That's quite a place to have it. That's quite a place. You think of like, BBC or something like that. Like, is that your type?
Caleb Hammer
Is that white BBC?
Bri
You said you think of the N word when you jerk off.
Caleb Hammer
Does that only apply to men?
Bri
You know what BBC stands for?
Bri's Boyfriend
Big black.
Bri
Yeah. So you say you.
Caleb Hammer
Why am I thinking of.
Bri
You said you think of the N word when you.
Caleb Hammer
Does that not apply to women? How did I get here?
Bri
You said you think of the N word when you jerk off.
Caleb Hammer
Are women not.
Bri
Yeah, yeah. I'm still a yeah.
Caleb Hammer
Whoa.
Bri
You can. Can you not bleep that out? You believe everything else out.
Caleb Hammer
We're leaving that in.
Bri
Okay, that's fine. I'm black. I can say it. I'm also gay. I can say the F word if I wanted to do.
Caleb Hammer
Uhhuh. Gay. Dating a man.
Bri
I'm pansexual.
Caleb Hammer
Pansexual. Pan racial.
Bri
Do you know? So not pan. There's only two races.
Caleb Hammer
What do you. Oh, that's $50, too.
Bri
That was a pay advance. That was my first pay. Actual pay advance. My, my.
Bri's Boyfriend
Oh, good.
Caleb Hammer
You just did it.
Bri
My work. Yeah, my work. It, like, put a new feature in our portal where it's like, you know, get your paycheck early type deal. I did use that for gas, though.
Caleb Hammer
What is this? Central portfolio control. That's a collection.
Bri
That's my medical debt.
Caleb Hammer
Oh, wow. What medical debt for?
Bri
I had went to the emergency room, like, literally over two years ago, and they had sent me a bill and I just never.
Caleb Hammer
Abortion.
Bri
No, I know. I've never had an abortion. No, I've never had a pregnancy scare. Knock on wood. Never had a pregnancy scare. Never. I've taken a plan B for sure, but, like, yeah, never. Never had to have the big red blood.
Caleb Hammer
Why aren't you on a minimum monthly payment for this? $932.92. Your minimum wouldn't be that brutal.
Bri
You don't have to pay medical debt. You don't have to pay medical debt back.
Caleb Hammer
Kind of. No. Some of the rules have actually changed in terms of what goes on. Collections or not. This might hit and actually negatively affect your credit. Oh, I forgot what the minimum balance required is for that. But I think it's like 500. Like the Biden administration did something where it was like, any medical debt over this. It doesn't. It's not on collections. And the Trump administration was like, no, yes, it is.
Bri
Oh, okay. I didn't know that.
Caleb Hammer
I just thought you might be.
Bri
I just thought you didn't have to pay medical debt.
Caleb Hammer
That's not how it works. It still like a moral obligation and whatnot, but.
Bri
Yeah, sure. But that was like a very back of the burner thing because that was my. I, I don't think I had to pay it.
Caleb Hammer
But you can get on like a. Why. Why would you think you don't have to pay?
Bri
Well, sure.
Caleb Hammer
You're just thinking there's no consequence.
Bri
No, no, I know you're supposed to. Obviously, it's a bill. You're supposed to pay it. Yes, I understand that, but it was very back of the burner because I
Caleb Hammer
thought, okay, back of the burner to pay minimum monthly payment.
Bri
Still would be pay it. Careful.
Caleb Hammer
K.M. okay, so, okay, what is this? Well, it's at a 12.8% interest rate balance, $4,771.
Bri
That was a personal loan out. I had taken out a personal loan back in December and it originally was a consolidation loan. No, see, but it, it, it really did derail because I took.
Caleb Hammer
I, I love consolidation loans, but only if you change your behavior.
Bri
I genuinely did have good intentions when I took that out because it wasn't evil. Well, you called me a dumb earlier.
Caleb Hammer
Well, you're a dumb. I didn't say evil.
Bri
Well, I took that loan out because I paid up. When I took it out, I did pay up my cash app. I paid up my credit card, I put extra money towards my car payment, and then I had a bunch of money left over. So, yes, it was a good Christmas. A lot of it did go towards Christmas.
Caleb Hammer
Oh, my.
Bri
But, but, but at the end of the month. No, but listen, at the end of the month. That was in December, and me and my ex broke up on New Year's, so whatever. I used the rest of that money towards my apartment. I used the rest of money towards my apartment.
Caleb Hammer
Listen, if you change your behavior, I'll let you get a better interest rate personal loan because we have a loan lower interest rate personal loan Marketplace on caleb hammer.com now. But it's only for people who change their behavior.
Bri
Yes.
Caleb Hammer
So if you do, you can probably get one at a lower interest rate than that.
Bri
That was my intention.
Caleb Hammer
But not without changing your behavior. Behavior. Okay, because that is really good out there. It is a helpful tool. But only if you change your behavior for a couple months. Yes. So minimum depayment $123.
Bri
I had the intentions, but 13 interest rate.
Caleb Hammer
You had an intention, but you.
Bri's Boyfriend
It.
Caleb Hammer
Okay, I don't care.
Bri
I didn't plan on us breaking up. I didn't think I was gonna have
Caleb Hammer
to return fees this year so far.
Bri
On what?
Caleb Hammer
Your personal loan. As in when a minimum monthly payment was required, it did not make it through. True. We're only a couple months into this year.
Bri
I manually pay.
Caleb Hammer
Well, you do it when you don't have enough money in the checking account to pay. By the time it hits, you've had two returned fees, not a fee.
Bri
Yes.
Caleb Hammer
It's literally right here. Here you go, dummy.
Bri
Dummy. No, I pay that manually, so I didn't know that it was returned.
Caleb Hammer
It's right there. It's literally in your account. So I don't know.
Bri
Okay, well, I never saw it come back into my checking.
Caleb Hammer
It wouldn't. What? No, you moron. When that loan. The personal loan was due or you manually paid it. Yeah, when that tried to draw.
Bri
Yeah.
Caleb Hammer
There was not enough money in your checking account, so it applied a fee.
Bri
Oh, okay, that makes sense.
Caleb Hammer
Twice this year so far. Four months in so half the months. So six months this year is the trend you're on. Yeah. You're better than other guests. You. $316. What do you owe this for? No, this is a balance of $6,712.69. That's my car.
Bri
That's my car. That's my car.
Caleb Hammer
What's your car?
Bri
I have a 2015 Chevy Equinox.
Caleb Hammer
Oh, and it's really hoping for a Nissan Altima.
Bri
No, no, I'm. That's like for Latinas. That's like what all Mexicans drive. It is. No, I have a mom car. Chevy Equinox. It is just under $133,000.
Caleb Hammer
Well, I don't know. Well, listen, but the interest rate at 5.24, it's not the absolute worst. And we didn't get a VIN number from you, so we haven't been able to check it.
Bri
It was on my. My insurance card. I sent my car insurance. I had my. It had my VIN on it.
Caleb Hammer
Yeah, I don't know. But we didn't get that. It is a 72 month loan, which is not good. And the minimum payment for your income is stacking 316.65.
Bri
Yeah, I usually pay 330 when I make my car payment.
Caleb Hammer
That doesn't really do anything. And it also makes no sense when we have credit cards and so just like stop.
Bri's Boyfriend
Okay.
Caleb Hammer
We have another. Oh, these Are student loans. What was your degree?
Bri
I went for secondary education. I was going to be a high school teacher.
Caleb Hammer
Why aren't you?
Bri
I had dropped out during COVID because online learning just was not for me.
Caleb Hammer
I couldn't reach a long time ago.
Bri
So yeah. I couldn't retain maintain online learning so
Caleb Hammer
I covet was a long time ago.
Bri
Yeah. So I started a full time job and I have. I've had a full time job since then. So I just never had time to
Caleb Hammer
go back more as a teacher.
Bri
I don't know. Teachers, almost their whole paycheck goes to their classroom. They pay. They have. Teachers have to pay for their own
Caleb Hammer
classroom like decorations and almost their entire paycheck.
Bri
But the education system is struggling right now.
Caleb Hammer
Depends where. What are you talking about? It's actually getting more funding than. Than ever. In fact, the highest funded state in the country is New Mexico which has one of the lowest standards in the country.
Bri
It's supposed to go over to New Mexico.
Caleb Hammer
No, I'm just saying the amount of money doesn't necessarily affect outcomes. And to say the vast majority of a teacher's paycheck goes to the classroom. That is not true. Everyone wants teachers to be paid well, but they many times. Other than few select districts. Yes. And few select states. Yes. Teachers actually make a pretty decent income a few years in.
Bri
They're getting burnt out though. Like my best friend getting burned out.
Caleb Hammer
That's everything.
Bri
The classroom sizes are. There's two too many kids per teacher.
Caleb Hammer
You would certainly experience that in Texas. That is also state dependent and school district dependent. But yes. Sure, sure.
Bri
Yeah. It's just not a field that I want to be in anymore.
Caleb Hammer
Okay, well there you go. That's a better idea.
Bri
It's not a field that I want to be in.
Caleb Hammer
Excuses. Why do minimum payment on your student loans?
Bri
Oh God.
Caleb Hammer
Oh, it's 15.59. It's not bad at all.
Bri
Yeah, the interest rate's not bad.
Caleb Hammer
So you had 20, 35. 25.
Bri
Yeah. That was very back of the floor.
Caleb Hammer
Listen, I'm very pro teachers. I mean sometimes the union advocates for that more than it does to students. But besides that, I want really good education. But it just don't. Don't cope. Okay. Oh yeah. Checking account ended negative $35.15. So that's great. Started with a dollar. You're wonderful. And all four McDonald's clouds and Apple Bill and taking tolls, which you do not need to.
Bri
When I don't take tolls. It is ridiculous.
Caleb Hammer
When you take tolls, you overdraft Shut up.
Bri
It is ridiculous.
Caleb Hammer
Shut up. Cash out. Putting money over there after pay. I didn't even see this. Hopefully you paid that off because I didn't even have that in my account.
Bri
After pay is paid off.
Caleb Hammer
Smoking more. That certainly isn't paid off. Vape city. That's not paid off. So far we're up to now 75. Actually more than that. Almost $80 for vaping in a month. More tolls. Can't afford it. You're overdrafted. Shut up. Hallmark golf.
Bri
Those were.
Caleb Hammer
You are overdressing. You're not getting Hallmark. This is. No. You're just not going to get in some good in some Apple cash. Set more tolls while you're overdrafting McDonald's cash up. Money. Foggy.
Bri's Boyfriend
Dude.
Caleb Hammer
Apple door dash. You're literally door dashing Jack in the Box.
Bri
I can't leave work. I can't leave work.
Caleb Hammer
Pack a sandwich. You're a woman. Shut up.
Bri
I. That's not my job to be in the kitchen.
Caleb Hammer
Your job is to actually take care of yourself though. Yes.
Bri
Sure. Yeah.
Caleb Hammer
And you can't afford this. You're overdrafting. Yet you're door dashing.
Bri
But when I'm already deserve that.
Caleb Hammer
You do not deserve that. You are not entitled to anything off.
Bri
When I'm already at work. I can't leave when I'm at work.
Caleb Hammer
Shut up. Yeah. So you. You prepare food. I don't understand that. Use the meal plan. You dumped it. What is wrong with you? You have nothing to eat.
Bri
What am I supposed to do?
Bri's Boyfriend
Starve?
Caleb Hammer
That is no longer an option going forward. It was in the past. It's not going forward because you will always bring food.
Bri
Okay, yeah.
Caleb Hammer
Even I bring food to work now. And I'm rich.
Bri's Boyfriend
Great.
Caleb Hammer
You can too is what I mean.
Bri
Okay. I'll start making sandwiches. I'll start making sandwiches. And a brown paper bag lunch. Yep.
Caleb Hammer
Iguana something.
Bri
Iguana. It's a Mexican restaurant, Right?
Caleb Hammer
You can't afford it. It's $42. What are you talking about? It's all your ex's fault. Off victim. Yeah. We're going to call in their post show. I don't care what you. I said vape city. Oh, my.
Bri
Tea.
Caleb Hammer
Hong Kong food. $100.
Bri
That was groceries.
Caleb Hammer
That was 47. We're 125,000 vapes in a month now. Sonic. Zelling out. Zelling out. Center court. Apple Bill. Apple Bill. Appleville. Jeez. Microsoft. Pull up your phone. More toys. Pull up your phone.
Bri
What do you want me to shut up?
Caleb Hammer
I'll do it myself, you dumb tit. Oh, my God. Wendy's Ulta Dunkin Dunkin Donuts. My gosh. And more tolls. You're.
Bri's Boyfriend
You're.
Caleb Hammer
You are a broken individual, dude.
Bri
Ridiculous.
Caleb Hammer
Without tolls. Without tolls, you're at least affording to drive. Because you can't afford. You can't afford shit.
Bri
It takes a while.
Bri's Boyfriend
Shut up.
Caleb Hammer
You just say the same thing over again. Like that all of a sudden justifies it. Like it didn't before.
Bri
They're a necessity.
Caleb Hammer
No, they're actually not. In Texas, they're not. In some states, they absolutely are. And in Texas, they're convenient. They're very convenient. They're good. I want you to take them. You can't afford them, so shut up.
Bri
Okay?
Caleb Hammer
Is this Apple Music and I Club Plus? I don't know what your Apple Cash. There must be in app purchases and stuff.
Bri
Yeah, I play a lot of Monopoly Go.
Caleb Hammer
Did you guys just hear that? She just said she plays a lot of Monopoly Go. When we were on the phone with your boyfriend, he said he hadn't played it in two years.
Bri
That was Pokemon Go. That was Pokemon Go.
Caleb Hammer
Monopoly. Monopoly Go was the thing that popped up.
Bri
Oh, yeah. Monopoly Go.
Caleb Hammer
I played. You are a disgusting, creepy creature.
Bri
I play now.
Caleb Hammer
You spent hundreds on them. While you're overdrafting, you need to just. You're. You're like. You're yourself. They had a hell of. No. Shut up. Shut up. Die in Minecraft. In Pokemon Go.
Bri
No, Pokemon Go is. Is dead for sure.
Caleb Hammer
Debt payments 4, 7, 0 24. What's your rent?
Bri
My rent is 680.
Caleb Hammer
What's your utilities? Including Internet, gas, electric, all that stuff.
Bri
Gas, water, all that is included in rent. I only pay electric. My electric is like $70.
Caleb Hammer
And you said 680 or 618.
Bri
680.
Caleb Hammer
Okay. Phone bill.
Bri
My phone and Internet are bundled right now and like 70, but after a year it's going to be 100.
Caleb Hammer
Okay, switch to helium. 15 bucks a line. It's great because T Mobile has great service there, so uses the same towers. Gas. Vroom vroom. Drive Drive.
Bri
Experience a membership that backs what you're building with a minimum. American Express Business Platinum. Enjoy complimentary access to the American Express Global Lounge Collection and apply to find out your welcome offer, which could be as high as 300,000. Membership rewards points. American Express Business Platinum. There's nothing like it. Terms apply. Welcome offers vary and you may not be eligible for an offer. Learn more@americanexpress.com Business Platinum.
Caleb Hammer
I don't care. Boom, boom. Drive, drive.
Bri
How much gas? Oh my God. With gas prices on the rise, I usually fill up every two weeks. And the last time I filled up because of houses it was like. Well, it varies because of the price.
Caleb Hammer
But the last time, the last time
Bri
I filled up it was like 60 bucks. But normally, normally it's like 40.
Caleb Hammer
How much do I advocate put in it for a month?
Bri
Dude, do 100.
Caleb Hammer
Oh my gosh. Thank you. Car insurance.
Bri
My car Insurance is like 150.
Caleb Hammer
Okay. I'll get you a course career certification by the way, because many people in the audience have converted those into six figure jobs. I need you too as well. There's lots of certifications. So you choose what you want to do and you'll make so much more money. You need to make more money though. You can't do this for the rest of the company.
Bri
Can grow with they're having people that
Caleb Hammer
are get a certification and then you use it in your job to get a better pay and promotion because people use them for that as well. Not just finding new jobs. Groceries. $300. Use the meal plan. Multiple cooking throughout the week. And you're meal prepping. Meal prepping, meal prepping. You get the digital version of the cookbook as well. Just like everyone with the dollar wise annual version T refund. Everything else you need, including tampons, 150 bucks. Makeup, blah blah blah. All that good stuff.
Bri
Okay.
Caleb Hammer
You could use it.
Bri
I have someone actually, if you couldn't tell.
Caleb Hammer
No, I'm fine. No, I'm kidding. You look fine.
Bri
Thank you.
Caleb Hammer
Medical, health care, copays, things like that. Yeah, you look fine. I mean you're literally cutting your eyebrows. It's weird.
Bri
Fashion, Come on.
Caleb Hammer
Fashion, medical, health care, copays, Anything.
Bri
I want to talk about my eyebrow splits when the girl came on looking like a clown.
Caleb Hammer
Yeah, she was ugly. Anything looking for minimum month. The medical, medical payments. Come on.
Bri
My work covers vision.
Caleb Hammer
Nothing. Nothing is there, are there? Co pays medicine.
Bri
My insurance does cover.
Caleb Hammer
Okay, there you go.
Bri
Insurance gets taken automatically. I have an aquarium. Super low maintenance. Yeah, super low maintenance. Speaking of, you need to take care of your Aquarius.
Caleb Hammer
$40.
Bri
That poor fish in there.
Caleb Hammer
Hey, he's happy. He's been living forever.
Bri
No, no filter. No heater.
Caleb Hammer
That is a filter.
Bri
There is a filter in there.
Bri's Boyfriend
He.
Caleb Hammer
The guppy does not need a heater for the temperature. We keep it in this building.
Bri
Okay. Surviving kill them
Caleb Hammer
look nice. But like we don't. We, we do it.
Bri
It's like half empty.
Caleb Hammer
Yes, but we do it right.
Bri
Okay.
Caleb Hammer
I know how to take care of it. Guffies are the easiest fish in the world.
Bri
They're also really dirty.
Caleb Hammer
Filter in the back. Well, it's not dirty there cuz there's a filter. Okay, so you only.
Bri
I also have an aquarium. I know how to take care of
Caleb Hammer
fresh water or salt water?
Bri
Fresh.
Caleb Hammer
What's in it?
Bri
African dwarf frogs.
Caleb Hammer
Okay, so you do frogs. I don't want to hear your fish.
Bri
Frogs. I have corydoras. I have snails. Shrimp.
Caleb Hammer
Shrimp?
Bri
Yeah.
Caleb Hammer
They'll do anything. They'll survive. Any of the shrimp in there?
Bri
Yeah, the shrimp are like the cleanup crew.
Caleb Hammer
Okay. Minusing your student loans of 2035 because you'll do minimum monthly payment until it's paid off, you have bad debt of $13,551. With your extra $431.54 on a monthly basis, that brings it to 31 months, which honestly is not the worst. It's literally a temporary sacrifice. And you're debt free in two and a half years, fully funded emerging fund in three and then you're done.
Bri
I told you it wouldn't take that long.
Caleb Hammer
If you do it is the thing. Well, we're going to call the X in the post show. No matter what you think. I don't give a. And I'm also going to see if your boyfriend has texted you. Let's find out. But that'll all be good in the post show. Let's get your Hammer Financial score.
Bri's Boyfriend
First.
Caleb Hammer
Get your Caleb hammer.com spending in a budget. Oh, you overspent. 0 out of 10. Debt collection 0 out of 10 with that medical emergency fund, nothing in savings. 0 out of 10 retirement? I didn't get it. So 0 out of 10 doesn't own real estate. 0 out of 10. You answered your questions incorrectly. It's 0 out of 10. Is your hammer Financial score. Click the join button to get three premium shows posted every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto Post show. I'll see you there. Join Hammer Leap. Bye.
Bri's Boyfriend
Hello?
Bri
Where the are you? Camera Media called me with some I'm doing financial audit. You didn't. Why are you talking about me on the Internet?
Caleb Hammer
I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus I just launched the brand new Hammer Elite Elite app available on every major platform to celebrate the app launch. I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.
Bri
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Host: Caleb Hammer
Guest: Bri (26, Houston, TX)
Date: July 1, 2026
In this highly charged, candid episode, host Caleb Hammer sits down with Bri, a 26-year-old office worker from Houston, for a financial deep dive peppered with personal drama, blunt truths, and intense debate. The core theme centers on the tangled relationship between emotional well-being, relationships, and personal finance, scrutinizing Bri's debt-ridden, paycheck-to-paycheck lifestyle and her history of avoiding financial accountability both personally and in relationships.
Quote (03:26, Bri):
"I spent a lot of money on her in our relationship."
Quote (16:12, Caleb):
"There it is. The cope. You said your money after bills are going to debt. No, they’re going after feeling good about yourself and slitting your eyebrows. That’s it."
Quote (23:22, Bri):
"I am on board for the plan, but I don’t really want—I want to keep living the way I live."
Quote (36:13, Bri’s Boyfriend):
"You knew that I spent over half a decade already helping somebody pay off their debt…this is a hell of a thing to hide."
Memorable Moment:
Bri tries to justify not telling him: “I didn’t want you to…reconsider things.”
Caleb: “Isn’t that manipulative?”
Quote (27:30, Caleb):
"You feel bad about not having money, so you spend money."
Quote (44:28, Bri’s Boyfriend):
"You lost some trust points with me. I need to have a serious talk with you."
The episode is aggressively honest and confrontational. Caleb's tone is blunt, sarcastic, and often combative, pushing Bri to own up to her choices and recognize self-sabotaging patterns. Bri oscillates between defensive humor, deflection, and moments of vulnerability, often rationalizing her actions or seeking minimal immediate relief over long-term security.
This episode is a raw exploration of the intersections between money, mental health, and relationships. It highlights how emotional wounds and unresolved patterns can lead to destructive financial behavior—until, perhaps, someone is confronted with uncomfortable truths. Caleb's message: meaningful change demands honesty, real sacrifice, and abandoning the endless loop of blaming others or waiting for “eventually.”