I'll Get Cancelled For This... | Financial Audit

Summary

Podcast Summary: Financial Audit – "I'll Get Cancelled For This..." | Financial Audit

Host: Caleb Hammer
Guest: Bri (26, Houston, TX)
Date: July 1, 2026

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Episode Overview

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.

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Key Discussion Points & Insights

1. Background and Employment

• Bri's Job: Office receptionist, handling orders and payments (not sales), earning $42,000/year ($20/hour salary, paid biweekly).
• Relocation: Moved from Maryland to Texas three years ago, bringing along prior baggage and challenges.

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2. Financial Challenges & Relationship History

• Past Partner Dynamics:
  • Bri attributes much of her current debt and spending habits to her ex-girlfriend, describing a controlling, demanding dynamic.
  • Frequent arguments about joint finances; ex wanted shared accounts, Bri resisted.
  • Regular spending on going out to eat to appease her ex.
• Breakup: Ended relationship on New Year's Eve (recent, four to five months ago).

Quote (03:26, Bri):
"I spent a lot of money on her in our relationship."

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3. Current Financial Behavior

• Stagnant Progress: Despite the breakup, Bri admits to making little progress, spending leftover cash after bills mostly on “bullshit” and instant gratification (Funko Pops, eating out).
• Debt Management:
  • Claims to put "whatever’s left after bills" toward debt, but is challenged by Caleb, who points out continued nonessential spending.
• Denial and Deflection:
  • Initially blames ex for everything, but current statements and bank evidence show ongoing personal mismanagement.

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."

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4. Accountability, Change, and Lying

• Resistance to Sacrifice:
  • Bri openly wrestles with the idea that personal change and sacrifice (delayed gratification) are necessary for financial turnaround.
  • Expresses a desire to keep “living how I live,” even at her own expense.
• Financial Transparency:
  • Hides debt and financial problems from her new boyfriend, despite knowing his traumatic financial history with his ex.
  • Admits to "white lies" in relationships to avoid arguments and discomfort.

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."

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5. Confrontation & On-Air Call with Boyfriend (34:00–44:30)

• Bombshell Reveal:
  • Caleb prompts Bri to call her boyfriend, revealing on-air that she’s $15,586 in debt and that her savings account is negative.
  • The boyfriend, already wary due to his financial history with an ex, is visibly shocked and hurt to learn this for the first time publicly.
  • Discussion of “manipulation by omission” and future relationship ramifications ensues.

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?”

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6. Debt Details and Budget Breakdown

• Types of Debt:
  • Cash App loan (maxed, overdue)
  • Credit cards (also at or near limit)
  • Personal loan (attempted consolidation but behavior unchanged)
  • Car loan (~$6.7k balance)
  • Medical debt ($932 in collections)
  • Student loans (over $2k)
  • Owes savings account money (-$35.15)
  • Ongoing support payments to family (grandma)
• Overspending:
  • Regular purchases: vapes, Funko Pops, energy drinks, eating out, premium apps, and games.
  • Recurring theme: spending as coping mechanism for negative emotions/stress (instant gratification).

Quote (27:30, Caleb):
"You feel bad about not having money, so you spend money."

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7. Attitudes Towards the Future

• Retirement Skepticism:
  • Bri’s lack of urgency toward retirement: feels it's unattainable and questions the point of saving.
• Role Reversal in Relationships:
  • New boyfriend “gifts” her gas money regularly, mirroring the unhealthy dynamic she claimed with her ex.
• Honesty, Trust, and Self-Awareness:
  • Despite confrontation, Bri maintains she’s “not the problem” and continues to rationalize hiding and spending.
  • Both Caleb and the boyfriend highlight the dangers of her evasiveness for any future together.

Quote (44:28, Bri’s Boyfriend):
"You lost some trust points with me. I need to have a serious talk with you."

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Notable Quotes & Memorable Moments

• On relationship transparency:
  "You can’t say you won’t put your problems on his plate. That’s what happens when you’re together." (38:43, Caleb)
• On spending as self-care:
  "If I buy myself a Funko Pop when I see it, it makes me feel good." (26:06, Bri)
• On being better than other guests:
  "Which is why your savings is negative $35.15…You’re not better than them." (18:17, Caleb)
• On “white lies”:
  "There is nothing wrong with a white lie…to simply save an argument." (22:57, Bri)
• On coping mechanisms:
  "You need healthier coping mechanisms." (27:42, Caleb)

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Timestamps for Key Segments

• [01:50] – Introductions and Bri’s background
• [03:26] – Relationship history and debt origins
• [07:55] – Bri’s current financial struggles post-breakup
• [14:33] – Accusations of cheating and personal accountability
• [16:12] – Revealing spending on self instead of debt
• [18:17] – Discussion of negative savings, financial denial
• [21:15] – Hiding debt from new boyfriend
• [23:22] – Admission to preferring current lifestyle over sacrifice
• [34:00-44:30] – Phone call with boyfriend, confrontation over hidden debt
• [52:05] – Cash App loan, overdue payments, explanation of priorities
• [62:10] – Coping with stress and addiction to vapes, repeated spending
• [86:29] – Debts run-down, status of car and student loans
• [96:39] – Debt payoff timeline: two and a half years possible with focus
• [97:15] – Hammer Financial Score: Bri receives 0/10 (max debt, no savings, no retirement, overspending)

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Tone & Language

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.

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Key Takeaways

• Honesty is Crucial: Bri’s evasions and “white lies” undermine trust in both finances and relationships.
• Behavior Change > Quick Fixes: Attempted debt consolidations or short-term cutbacks fail if spending habits remain the same.
• Instant Gratification vs. Financial Health: Bri’s narrative is a classic example of emotional spending sabotaging future stability.
• Accountability & Transparency: Both with oneself and with partners, open communication about money is essential for healthy relationships and financial growth.
• Tough Love Needed: Caleb’s unvarnished feedback, though harsh, is designed to shock guests (and listeners) out of denial and into action.

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Closing Thoughts

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.”

Transcript

[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]

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 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]

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]

If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan. And Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over 1000 doll. I have an exclusive offer just for you. But there's only one week left to purchase for a one time payment of 500. This episode is brought to you by Snapdragon. Take the leash off your laptop with a processor that gives you long battery life. Work on the go. Jump between back to back calls. Stay locked in from morning to midnight. Get maximum performance even when unplugged. Finally, the freedom to move across the room or across the world is here. Snapdragon. That's how go to snapdragon.com laptops Snapdragon branded products are products of Qualcomm Technologies Inc. And or its subsidiaries. $100. You'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Plus, I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And 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 below. This is the best membership you'll ever join. And that's a promise. What do you think? Your financial score is 0 to 10 and then we got to see where this actually is sitting.

[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

[Caleb Hammer]

at Schwab is now powered by Ameritrade. Unlocking the power of thinkorswim, the award winning trading platform loaded with features that let you dive deeper into the market. Visualize your trades in a new light on thinkorswim desktop with robust charting and analysis tools all while you uncover new opportunities with up to the minute market news and insights. ThinkOrSwim is available on desktop, web and mobile to meet you where you are. It's built by the trading obsessed to help you trade brilliantly.

[Bri]

Learn [e-mail] 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 [e-mail] 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]

Ready to transform your career in real time from where you are? Brown University's flexible online master's programs will help expand your business influence and your network. And just 16 months? Choose from management, business, analytics or organizational leadership programs that will prepare you for today's most pressing business challenges without putting your life on hold. Scholarships available Tap to learn more.