Illegal Immigrant Exploiting The System | Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: Illegal Immigrant Exploiting The System | Financial Audit
Date: January 2, 2026

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Episode Overview

In this episode, Caleb Hammer sits down with Sarah, a 24-year-old American who recently moved from the U.S. to Tecate, Mexico. They dig into the logic (or lack thereof) behind her move, her financial situation, and the realities (and misconceptions) of cross-border living and LGBTQ+ safety. The conversation veers between playful banter, hard financial truths, cultural commentary, and some unexpectedly raw admissions about debt, family, and life choices.

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Key Discussion Points & Insights

1. Why Move to Mexico?

• Sarah's Stated Reasons:
  • Mainly for financial benefits—lower rent and cost of living.
  • Her girlfriend, a Mexican citizen, refused to move to the U.S.
  • Disillusionment with America’s political and cultural climate, especially regarding LGBTQ+ issues.
  • "I've always wanted to move out of America. I'm, like, really happy about my move." (00:03)
• Caleb’s Pushback:
  • Challenges Sarah’s logic about safety and progressive values, referencing statistics contrasting U.S. and Mexican LGBTQ+ violence (07:43).
  • Questions the sustainability and long-term logic of moving primarily for short-term savings while retaining a U.S.-based job (07:11).
  • "Your logic is flawed." (09:36)

2. Living and Working Arrangements

• Sarah’s Situation:

  • Lives in Tecate, Mexico, just over the border, commuting to San Diego for her commission-based sales job ("design consultant—selling closets," 01:47).
  • Sometimes stays in San Diego to save time on commuting.
  • Her rent in Mexico: $500/month for a two-bedroom with a patio—"now I can put all that money I was paying towards rent towards my debt." (07:26)
  • Pays the rent; her girlfriend covers utilities (20:50).

• Potential Legal and Tax Implications:

  • Sarah is currently an "illegal immigrant" in Mexico, pending marriage and subsequent legal residency (15:21–15:40).
  • Caleb warns about possible double taxation—U.S. and Mexican authorities (16:04).

3. The Argument: LGBTQ+ Safety and Progressive Values

• Sarah:

  • Feels safer as a lesbian in Mexico than in the U.S., referencing personal experiences and her conservative family background (05:21).
  • Cites American political shifts as threatening, particularly for trans people (04:49, 05:03).
  • Argues that Mexican society, despite being traditionally Catholic, feels less overtly hostile to her.

• Caleb:

  • Counters with data: Mexico has more reported LGBTQ+ hate crimes and violence than the U.S. (07:43, 11:04).
  • Points out that while the U.S. isn’t perfect, it’s statistically safer and more progressive for LGBTQ+ individuals.
  • "Well, your feelings are incorrect. Like it doesn't matter just because… Every statistic says gay people, trans people, are more at risk there." (09:07)

4. Financial Audit of Sarah’s Life

Income & Job Realities

• Makes roughly $3,000/month (net varies: "lowest month $2,500, highest $7,000"; average $3,000 for budgeting, 10:21).
• Commission-only job, sometimes lacking enough client appointments (09:51).
• Believes she can easily get another sales job in San Diego if needed (13:54, 25:45).
• Host questions the overconfidence, especially with economic downturn concerns (25:46).

Debt & Spending Patterns

• Payday loan remains unpaid for a year; does not recall what it was for (34:25, 35:59).
• Multiple high-interest loans and credit cards:
  • "You can't tell me you'd be stuck in a payday loan cycle. You're choosing to buy your bullshit spending."
  • Owes $4,500+ to her dad for back car payments and flights (53:05).
  • Other unpaid debts: old apartment rent, credit cards (maxed out and over the limit), personal loans with predatory rates, Klarna and Affirm buy-now-pay-later schemes (62:38, 83:29).

Spending Breakdown

• Extravagant daily spending on coffee, energy drinks, delivery food, and online shopping persists even while behind on bills (39:47–78:54).
• “Dutch Bros this month was only $140… That’s your payday loan.” – Caleb (78:30)
• Frequent referencing of “bullshit cash app spending.” (41:15)

Financial Consequences

• Credit score is "the lowest you've had on the show," at 427 (48:42).
• Caleb remarks: "Congratulations. World record breaking—of how horrible someone is. And I don’t think you give a shit." (49:02)

5. Interpersonal Dynamics—Family & Relationships

• Sarah borrows significant sums from her father; host calls out this enabling behavior (54:49).
• Rapid-fire lesbian relationships; plans to marry a girlfriend known for less than six months (15:11, 27:26).
• Self-admitted U-haul lesbian tendencies (moving rapidly and drastically for romance) (25:14–25:31).

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Notable Quotes & Memorable Moments

Lighthearted/Roasting Exchanges

• Caleb: "You are a creature of the night." [on maxed-out credit cards, 63:02]
• Sarah: "I am the boobs and she’s the masculine one, so you’re the femme, obviously." (17:48)
• Caleb: "Your logic is flooded. If it’s from Mexico City, stretching income, beautiful place, I get it. But you’re going to Tecate." (09:36)

Financial Reality Checks

• Caleb: "Of your total debts, $26,649.77. It’ll take you 22 years to pay off if you just do minimum payments." (89:02)
• Sarah: "Well, I don't know… I honestly don't understand because I don't have credit cards." (55:55)
• Caleb: "No, you just need a better job. You need a real career. Career." (88:29)

On LGBTQ+ Safety and Statistical Contradictions

• Caleb: "Mexico is one of the most dangerous places outside of the Middle East for gay people." (07:43)
• Sarah: "I feel safer in Mexico. And yeah, I mean I’ve never had an issue, and I’ve had a lot of people be homophobic here in America..." (06:30)
• Caleb: "Your feelings are incorrect… Every statistic says gay people, trans people, are more at risk there." (09:07)

On Logic and Life Choices

• Caleb: "You cannot guess the future. You cannot be confident in everything. You cannot say, I will have this job forever… Your credit score is already 427." (48:42)
• Sarah: "No, I feel more of a need to [pay debts] now that I’ve moved…because now I actually have like, more money…" (72:14)
• Caleb: "The people who think benefits that count for honestly pennies on the dollar are more important than the actual money that is being made are why those companies are able to pay." (70:20)

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Timestamps of Important Segments

• 00:03 — Sarah introduces motive for moving ("America sucks.")
• 01:47 — Explains job as design consultant; discusses U.S.-Mexico work/life split
• 07:43 — Caleb cites statistics on LGBTQ+ violence in Mexico vs. U.S.
• 10:21 — Sarah’s variable net income; budgeting at $3,000/month
• 15:21 — Illegal immigrant status in Mexico, plans for legal residency post-marriage
• 25:14 — “Chronic condition of being a U-haul lesbian…”
• 34:25 — Start of deep-dive into payday loan and debt spiral
• 39:47–42:41 — Detailed audit of January spending and Cash App outflows
• 48:42 — “Credit score is 427.” World record low for the show
• 53:05 — Owes $4,500+ to her dad; discussion of parental enabling
• 63:02 — Multiple credit cards over limit/late/fee-laden
• 78:30 — $140/month “only” on Dutch Bros while behind on debts
• 89:02 — $26,649 in debt; 22-year payoff at minimums
• 90:00 — Host suggests bankruptcy might be the only rational financial move

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Tone and Atmosphere

• Caleb maintains a tone blending incredulity, tough love, and characteristic sarcasm. He frequently challenges Sarah’s worldview, financial choices, and sense of logic, while retaining moments of dark humor and banter.
• Sarah is affable, self-deprecating, and sometimes defensive, openly acknowledging her own irresponsibility and the chaos of her financial life, but resistant to deep behavioral change.

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Final Thoughts

This episode is a case study in how feelings, unproven convictions, and impulsive life changes can kick financial discipline to the curb, especially when bolstered by family safety nets and a lack of critical introspection. The conversation swings from statistically grounded reality checks (mostly from Caleb) to emotion- and experience-driven rationalizations (from Sarah), providing a clear portrait of why "moving for savings" can be a band-aid—not a solution—when deeper financial patterns go unchallenged.

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Caleb’s parting advice:

• Cut unnecessary spending immediately.
• Stop romanticizing drastic life changes as "solutions."
• Get a second job or—preferably—a higher paying, stable job.
• After three months of behavioral change, consider bankruptcy if debt remains overwhelming.
• “Your logic for leaving America is stupid... You are not a smart individual.” (71:09)

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For Listeners:

If you’re contemplating an international move "for financial reasons," take a long, hard look at your underlying financial behaviors and debts. A change in location won’t fix what a change in mindset and discipline must address.

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Notable quote to end:
Sarah: "I have a lot of confidence in myself."
Caleb: "We'll see if you live between now and the follow up." (86:45)

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[B]

This is, like, my dream. I've always wanted to move out of America. I'm, like, really happy about my move.

[A]

Okay. Are there any logical reasons why?

[B]

Because America sucks.

[A]

America sucks.

[B]

I feel like it was good financially. I'm not like, just like one of those white people moving because it's cheaper. I mean, I did move because it's cheaper.

[A]

Good financially. I mean, I have a payday loan in front of me. Wait, you beat your ex?

[B]

I stopped her because she made out with someone in front of me.

[A]

Very good. Off and go to Mexico. Go back to Mexico, bitch. Get your free trial to the Dollarwise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. Dollarwise app or link in the description below.

[B]

Hello, I'm Sarah with AN H. I'm 24, from Tecate, Mexico, and this is Financial Audit.

[A]

Those things would suffocate me.

[B]

What.

[A]

What? What do you do for a living in Tecante?

[B]

Tecate.

[A]

Tecate. Mexico.

[B]

So I. Mexico? Yes, Mexico.

[A]

Caleb, you don't have an accent.

[B]

No, I just moved there two months ago.

[A]

That is rare for a Mexican to not have an accent.

[B]

I'm white, Caleb.

[A]

Well, these days I don't want to assume based on color very much be black according to TikTok. So I, like. I don't even know.

[B]

I work in San Diego, actually. So you know where Tijuana is?

[A]

Across the border.

[B]

So, yeah, kind of. Tijuana is here, and then Takati is over here. So it's like inland.

[A]

Okay, so you just go further to the east.

[B]

I drive. I cross into Kate and I drive like, through the mountains and then boom. San Diego.

[A]

Daily?

[B]

No, sometimes it depends.

[A]

Like 5 job in San Diego.

[B]

I am a design consultant. I saw like, closets and stuff.

[A]

You know, they hate people. People like you. Right?

[B]

Why?

[A]

Because you earn a higher income in the United States than you go to a lower income.

[B]

I didn't move there.

[A]

You are a colonizer.

[B]

Okay, but I moved there with colonizer. My girlfriend is Mexican and she lives there and didn't want to come to America because America. Well, they swore.

[A]

They usually like to come to America.

[B]

I'm using her for papers, actually. So we're gonna get.

[A]

Does the cartel know about this?

[B]

No.

[A]

Are they okay with it?

[B]

Well, I'm sure they'll be fine. Like, I mean, I love her. We're in a relationship.

[A]

They like white girls. Papers, I think sometimes, I don't know, like girls with money. But I don't think you have money.

[B]

Clearly not, because I'm here.

[A]

I literally have a payday loan right in front of me, like, beneath my nose.

[B]

I'm so sorry.

[A]

So I guess you're our first international guest.

[B]

Am I?

[A]

Oh, wow. Okay. You're a creature. That's interesting.

[B]

Thank you.

[A]

You're an interesting one. So you did the. You pulled the. The. The good old reverse card on immigration?

[B]

I did. Okay.

[A]

It's a rare one. Listen, some white people, remote incomes, high incomes, are liking to go to Mexico City. That's a very common thing that we're seeing these days. And people in Mexico City, especially the more native borns, aren't necessarily super thrilled with it. It's very interesting how they're allowed to be upset at it.

[B]

But. What not follow that.

[A]

But that's okay. Yeah, that's okay.

[B]

It's a lot of words.

[A]

Listen, people move everywhere, and I'm okay with it, but it's just.

[B]

But I'm not like, just like one of those white people moving because it's cheaper. I mean, I did move because it's cheaper, but my girlfriend lives there, and she didn't want to come to America.

[A]

Also didn't want to come to America.

[B]

Well, she has a visa. I mean, she's here. She has a visa, but she doesn't have a green card and she doesn't want to get dual citizenship. But I've always wanted. Because America sucks. And she doesn't like America, just like, America sucks. Yeah.

[A]

Okay. That's why everyone tries to move here. That's interesting. Why does America suck?

[B]

Well, one, we're gay. So, like, everything that's going on with.

[A]

Like, America's very gay.

[B]

It's not. It's not heading that direction, Caleb.

[A]

Very gay.

[B]

Well, again with gay, like, being okay. Like, we're kind of going more into, like, laws that especially, like, against the trans community. And then also. No, but I mean, it's a part of our community, the LGBTQ community. We have to remember the trans people too.

[A]

No, sure. But not really going anti gay. Things have only gone better for gay. It's getting close to being typically even with trans things. Despite what rhetoric you might see because grass is always greener. Typically, the United States is on the forefront of progressive values. It's Been European countries that banned beta blockers and other surgeries and anything for people under age where you can still get that in the United States, state to state where we tend to be on the more progressive, hey, do whatever you want side of things.

[B]

Moving to Europe. Well, exactly like getting more progressive.

[A]

Whereas getting more progressive. And how, how, how does very traditionally Catholic Mexico think of trans people?

[B]

Well, even though like sometimes there are people that have religious views, they're not like quite as like here we have the conservatives which since they're more prominent, I feel like they're kind of ruining America.

[A]

Well, they won the last election.

[B]

Yeah.

[A]

Will they win the midterms? Typically not. People that usually are the sitting majority don't usually win in the midterms. But either way even Republicans tend to not really have issue with gay people these days. Trans, very hot topic for sure.

[B]

I feel like a lot of the Republicans do have a problem with gay people. But in Mexico like I feel more safe like being gay holding hands with my girlfriend even in like a small.

[A]

Town gangs than I tell you. For being gay in Mexico?

[B]

No.

[A]

Really?

[B]

No, absolutely not. 100% no. Gangs are not against people being gay. The whole like thing with like the cartel, you're only going to end up in deep with them if you go looking for deep shit. So if you're an idiot, yeah. But if you're not stupid, you're not going to get killed. I don't know, I feel safe.

[A]

You know, usually where I hear like you can get killed typically isn't as.

[B]

Killed here for being gay, Caleb.

[A]

So how often does that happen? Happens very often. Often. Please tell me, give me a recent case.

[B]

Well, there's the Sam Nordicist that happened in the last year and then there was also a trans woman who was killed recently here. But I haven't done like a bunch of research. I just.

[A]

Was she killed for being trans or was she killed because people die? People do die.

[B]

Well Sam Nordic, I don't know a lot about her story but Sam Nordicist, he was killed for being trans.

[A]

Gallup May 2025. Just under 70% in the United States support gay marriage. Mexico just about 60%.

[B]

Well, I don't know, I feel safer in Mexico feel. And yeah, I mean I've never had an issue and I've had like a lot of people be homophobic here in America and I come from like a Christian conservative family so maybe it's that and not the country but also like I don't know, I would never raise kids in America and I've Never wanted to like live here permanently. So I'm very excited to be starting my life.

[A]

Well, I'm okay with you moving somewhere and I'm okay with you moving to Mexico. I'm okay with you moving literally wherever you want to move to. But when our logic is very flawed on the reason why and when we're about to get completely because of our flawed logic to rush into something that might not be.

[B]

No, this was the best financial decision and you're going to see that moving to Mexico is a really good financial.

[A]

You're not full move. You're still work based here. As in you can get garnished wages here, still pay taxes here. There's a lot of things here and you might move back for whatever, who knows why reasons for right now it's not like you can just abandon and flee cuz you're not, you're still there constantly.

[B]

But my rent, like my rent is what I'm talking about. Like the difference in rent was like, like now I can put all that money I was paying towards rent towards my debt. I just moved. So it's like, so I'm here so that you can help me with all my extra money I'm going to have so.

[A]

Murder rate in The United States 6.8% per 100,000 people 25 per 100,000 in Mexico trans homicides through monitoring projects with trans community advocates for trans people 41 reported killings in the United States in 2024 where Mexico is among the highest burden countries globally for trans violence with 70 people being murdered on an annual basis on average. And in Mexico alone, at least 353 LGBTQ + people were murdered within a few years in and around the COVID era. And in the United States, substantially less. Let's see, in the United States it's not even like a full on metric that is being pulled straight up on that. But Mexico is one of the most dangerous places outside of the Middle east for gay people.

[B]

It's legal. So huh, it's legal to be gay there. It's not in the Middle East.

[A]

It's legal to be gay here.

[B]

Well yeah, but I'm just saying.

[A]

Listen, I don't care about you moving. That's fine, we can move. But when the logic is completely flawed and the data is completely against it, like it is more dangerous to be trans there. Well, your feelings are incorrect. Like it doesn't matter just because. Okay, well you're probably doom scrolling on tick tock and if that's where you get your feelings of what the environment is around you. You are living in a flawed reality.

[B]

My reason why I feel safer isn't from like, tick tock, it's from like.

[A]

But every statistic says gay people, trans people, and people are more at risk than there. Violence, hate crimes.

[B]

Well, I mean, I think it's fine. My mom was really worried about me getting murdered when.

[A]

I wonder why.

[B]

Yeah, she was really stressed. But I mean, I haven't been murdered yet, so I think it's fine.

[A]

Yeah, you've been there two months.

[B]

Almost three, I think I paid rent twice. Almost three.

[A]

You're getting. You're getting there. You're. You're on your way to that murder.

[B]

Just don't.

[A]

Your. Your logic is flooded. If it's from Mexico City, stretching income, beautiful place, I get it. But you're going to Tecate.

[B]

Well, yeah, because I can still work in San Diego. That was. I wanted.

[A]

Is it a remote job because you say you don't go daily. So how does this work?

[B]

So I. Oh, also, I'm commission only. Fun. Fun stuff.

[A]

So fun.

[B]

But so basically I get appointments with clients and then I go. So I don't get appointments every day, I don't work every day. Sometimes I'll stay the night at my friend's house in San Diego. So I'm avoiding, you know, like the. The commute every day, you know, but it's not remote. I mean, I can do a lot of stuff from home, but.

[A]

Okay. Yes, it does. So what's your normal money that comes in?

[B]

So it really ranges. I actually did the math to see how much I made this year so far, and I've made 51,000 so far this year.

[A]

And is that net, Is that what hits before or after taxes?

[B]

No, that's in total, like.

[A]

Okay, so before taxes.

[B]

Yeah.

[A]

Okay, great. In California it's certainly taxes, but it ranges.

[B]

Like, I think my lowest month, I would say is like 2,500 going into my account. And my highest has been 7,000 going into my account. So like last month I had 4,500 hit my account. But like the month before I was at like 3,000 hitting my account. But I want you to do the budget based on 3000 and then just kind of tell me where to allocate extra money when it's busy. And I.

[A]

Okay, so the trans murder rate in Mexico is double. In the United States, it's what? Double.

[B]

Good to know.

[A]

And often times in Mexico it is targeted because they are trans. And in the United States it is because. Not always because they're trans. It's just due to violence.

[B]

Okay.

[A]

There are hate crimes. There's hate crimes everywhere for every group is 100% true. You know like but it is substantially worse in very socially. You have to remember the United States. Yes, I know we have a conservative party certainly of course and they won the last election ran pretty pretty heavily too. A lot of the world outside of Europe I mean even eastern Europe is socially quite conservative.

[B]

Yeah.

[A]

Mexico socially conservative, very Catholic country. You know the United States is very progressive. I feel like it doesn't always feel like you might get to the place you want and you will see rhetoric in your doom scrolling and you will see election results not go the way you wish. Does that mean on a statistical average day you walk outside you are in danger? No, it does not. And you with everything just because of that in doom scrolling and fear based.

[B]

That's not the only reason why I moved.

[A]

Okay, what's the other reason you move?

[B]

One my I don't do longdistance relationships and my girlfriend she refused to move.

[A]

Here because she's afraid of it un.

[B]

Really hard a green card to move.

[A]

To the US what's her visa for the United States?

[B]

Cuz she a border crossing card. She can visit.

[A]

Why does she apply for like a work permit? Why don't you guys get married? What like.

[B]

Well she has a career in Mexico. She doesn't want to live in America.

[A]

Career in Mexico. Does she make good money?

[B]

Does not make good money.

[A]

Good money for Mexico. Great. Okay.

[B]

Okay. But like how's her English? She understands it like almost perfectly but speaking it is kind of hard for her.

[A]

Okay so it would be a little difficult for her. Okay, got it. So. But again so.

[B]

And her whole family's there and like.

[A]

Well I get that but look how easy you guys are crossing like you can go visit family. All I'm saying is it's just the most logical. It is cheaper for a reason. Do you know why cheaper cities are. You know why Kansas City, Missouri is cheaper than New York City? I'll tell you it's not as good.

[B]

Yeah but I really like our neighborhood is really safe and our street is not ghetto. It's really. And there's like a little store on the side. It's really cute.

[A]

So yippee.

[B]

And I have a two bedroom apartment with a patio and a parking space.

[A]

You have an apartment in San Diego still?

[B]

No, I'm talking about you gave it up.

[A]

I'm asking still because you were just there.

[B]

Yeah, I gave it up. Well it's because I was behind on.

[A]

Rent what do you do if you lose this job in San Diego when you're now international?

[B]

I got another one in San Diego.

[A]

Yeah. What?

[B]

I'm in sales. I can go into any sales job.

[A]

Sure. They might require a little more in person activity.

[B]

Yeah, that's fine. I go into work between three and six days a week, depending on the week.

[A]

How long is that commute?

[B]

It's 45 minutes once I cross the border and I'm like eight minutes across. So it depends on how long the borderline is. So it can range from being like two hours to like four hours.

[A]

Classic. Safest cities in Mexico, the ones right at the border.

[B]

This one's a small border town. It's nothing like Tiana. It's like a baby town. It's like one Main Street.

[A]

So what am I helping you do? What are we trying to talk about? Okay. You hate fascist America. Got it. We. Okay, okay. Wild logic in every way whatsoever. But I understand you live on Tik Tok and Reddit. Other than that, I actually don't know.

[B]

If it's your generation.

[A]

My.

[B]

Yeah.

[A]

Older.

[B]

24.

[A]

Oh, wow. You look substantially older. Okay.

[B]

Do I really?

[A]

Yes.

[B]

I don't know if that's a good thing or a bad thing, but bad.

[A]

So I. I'm. Okay. Well, I. I don't know. Yeah, maybe it is. Maybe it is. That's fine.

[B]

But anyway, so what I'm here for. She's 24 as well. We're the same age.

[A]

Are you trying to green car marriage into Mexico?

[B]

Yes, sir.

[A]

Are you guys engaged? Are you guys married?

[B]

We're getting engaged in November. This month.

[A]

Getting engaged this month. Okay, and then what does that look like?

[B]

Well, we're getting Marri 2027, and I.

[A]

Do not know how the process works.

[B]

In good old Mexico, so I basically need to go and get. Well, since I'm like in and out, I haven't gone and gotten like a visitor visa, so I'm an illegal immigrant over there right now. But once we get married, then she can apply for me to get like, basically like a permanent resident card in Mexico under like the family unit thing.

[A]

Does that take?

[B]

So, I mean, you got it like within like a month of applying and.

[A]

Do you just get it or are there questions they ask?

[B]

They would make sure you have enough money. Like, so as long as I'm working in San Diego or like I have an online income, whatever it is, then it's fine. And then we have to like, prove that we've been together. So.

[A]

So you're going to pay Double taxes.

[B]

I don't know how that works. I don't know how the taxes work, but probably.

[A]

Well, I know for a fact you're still paying America and California taxes.

[B]

I mean, I don't know if I'll have to pay taxes in Mexico if I'm not working in there.

[A]

I think they'll probably want their taxes, so.

[B]

I mean, if I do, I'll pay them. Like, it's not. I don't know. Okay. That's like a later problem.

[A]

Okay. So you're from San Diego then?

[B]

No, I'm from Seattle, Washington. I moved to San Diego a year ago.

[A]

A year ago?

[B]

Yeah.

[A]

Then you're a little over. What are you doing? You're just hopping everywhere.

[B]

Well, I didn't like living in Seattle, and then I went through a really messy breakup, so then I downloaded a dating app to see where the hottest were in California ended up in San Diego.

[A]

They were the hottest.

[B]

Are. Yeah. That's what I'm. In my opinion.

[A]

Well, I don't know what your type is.

[B]

I like Hispanic people, so. Makes sense.

[A]

Well, they're certainly in Southern California.

[B]

Yeah. Anyway, so I moved to San Diego. I transferred my jobs, like my. I worked for a different company up in Seattle. I transferred to the corporate here, and then it was, like, super easy, so I already had a job.

[A]

What does this girl look like?

[B]

My girlfriend.

[A]

Yeah, I got to see what these hot look like.

[B]

Look at my phone. This, like, aggressive. Caleb. Our Dia de los Muertos events.

[A]

Okay, definitely lesbian.

[B]

Yeah, obviously, when I see that. Yeah. And she. It does look taller, that picture. She doesn't look that tall, but I don't know. It's the angle. She's about the same height as me.

[A]

How tall are you?

[B]

I'm 24 tall. I'm five eight. Sorry.

[A]

Okay, you're acting like you're endlessly tall. It's just not. When I think hot. I think boobs.

[B]

But you have different types.

[A]

Well, exactly. And that's what I said.

[B]

I am the boobs and she's the masculine one, so you're the femme, obviously.

[A]

I think I need to get Aaron in here.

[B]

Is there a gay here? Hello.

[A]

I need you to assess her lesbianism from a score of 0 to 10, 0 being no lesbian to 10 being just slamming that bush.

[B]

Side note, I'm so gay. Can we look at the rings? I can't stop looking. I should get some points for the rings, you know? But the nails are long. Don't look at those.

[A]

Mom allows me to do her thing. Okay.

[B]

Sorry. What kind of car do you drive? A Nissan Rogue. Hold on. It's white. I don't know. That didn't answer me Anything. Yeah, not super. Sorry. What kind of music do you listen to? I listen to Chapel Rowan. Russ thought it was Roan. That's Chapel Roan. So that's a point off. Yeah.

[A]

What?

[B]

I said Chapel Rowan. It's Roan. It is. Yeah. I didn't know that.

[A]

Horrible wound.

[B]

Do you have any pets? I have two dogs. They're my children. They're little dogs. Have a Pomeranian and a Chini. Have you ever seen Portrait of a Lady on Fire?

[A]

No.

[B]

Okay. I'm a young person, though. That sounds like what's giving hints of lesbian to you?

[A]

I. I'll tell you in a second. But what's your. Do you have a score? Do you want to ask another question?

[B]

She said the last name of Chapel Roan incorrectly, and I feel like any lesbian would have gotten that right.

[A]

So what's her score?

[B]

Negative two.

[A]

Hey, well, here's the. The. The kicker for me that made me ask if she's marrying a woman, but.

[B]

I eat so much like. You're marrying a woman. Yes, I'm gay. I so. See, I thought it was Chapel Rowan.

[A]

She's just a bad game.

[B]

Yeah. I thought it was Chapel Rowan. I swear.

[A]

First of all, it's Roan. Please stop saying that.

[B]

I didn't know yet. Yeah.

[A]

Ladies and gentlemen, if you want your Hammer lesbian score, your Hammer lesbian score, go to Caleb, hammer.com, forward, slash, lesbian. Take the assessment. See where you stand in the world of Les. And, yeah, you could see if you're smashing flaps that night or if you're going full on the hog.

[B]

Negative two. I better put on a Nike sports bra and, you know, assimilate to my culture.

[A]

I don't think they'd fit.

[B]

I could. I could definitely get a Nike sports bra on.

[A]

Okay. Okay. So. Okay. And how is this all affecting your finances? Just, like, where do we stand? So you're saying 3,000amonth is what we're calling your net?

[B]

Yeah.

[A]

Okay, so where is this all standing with this transition that you're doing from Seattle, San Diego, to.

[B]

So when I moved to context down here, I don't know, like, my rent didn't go that much up when I moved from Seattle to San Diego. Expensive, but my rent was 1745, plus utilities. And then I moved to Mexico, and I had a studio, like a box, like, smaller than this. And, yeah, it was tiny. No parking, either. I swear to God it was tiny. Swear to God. It Was tiny. And now I have a two bedroom with a parking spot and a patio for my children. And. And it's only $500 a month.

[A]

In Mexico.

[B]

Yeah, in Mexico.

[A]

But how has that affected all of this? I'm glad you got the rent situation, but.

[B]

So my rent was.

[A]

You split it with her?

[B]

No, I pay the rent. And she pays like gas, water, electricity. Well, I make more electricity while you get it.

[A]

Okay, let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why Refi wants to help you climb out of debt, not push you further into it. Check them [e-mail] Hammer that is Y R E F Y.com Hammer or call 8889730 3978. That is 889-733-978. Break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account.

[B]

No, we have electricity, but you know, we have to heat our water. Like I could not figure out why I couldn't get hot water for like a week. And then she was like, oh, because we need to get gas. Wow.

[A]

Well, Mexico is a technical developing country. It is not a technical developed country. There's developed cities.

[B]

It's really shocked by that. But I have hot water now.

[A]

You're literally moving from the peak of the first world.

[B]

Yeah.

[A]

Not to on Mexico. I'm sure it's a great place in many ways, but yes, there are differences.

[B]

Yeah. I live in a really nice.

[A]

Prices are correlated.

[B]

Really bougie. It's a bougie apartment. So it's expensive and I pay in American dollars. It's like for people that make American wages.

[A]

Huh.

[B]

Anyway, so now that I have more money because I. I couldn't even like pay any bills because my rent was so high. So I got behind on rent. My car payments. Super behind.

[A]

Why? Why are you behind? Why aren't you making more sales? Why aren't you getting out there and grinding sales? That's what I did when I was in sales. I was trying your badass sales.

[B]

Sometimes there's not enough appointments.

[A]

Sometimes you're bad at sales and you should change careers.

[B]

I am actually really good at sales and I get told nope in my first two weeks of this job.

[A]

How you get told you're good at sales? You get more money.

[B]

116,000 in the first two weeks.

[A]

You get more money if you are good at sales. It is literally that handshake reward. Piece of cake.

[B]

Nothing right now are more scared to buy things because I don't.

[A]

What are you selling again? It's like closet.

[B]

It's not everyone to buy closet.

[A]

You're right. People probably cut back on closets. Maybe go sell something people need.

[B]

I love my job though. I get good benefits. I have like you pay reimbursement. I know, but I might get a second job. That's why I'm here, Caleb. So you can tell me how to make more money. And I'm going to talk to course careers. I might go into medical school.

[A]

Yes, I will get you a free course career certification. We can absolutely do that. That is true. Helps a lot of people increase their income or change career fields. Yes.

[B]

I'm so sorry to be distracting.

[A]

It's not even on camera. It's the new iPhone.

[B]

It's the new iPhone. What do you think about it? Is the camera good? Should I get it?

[A]

Yes, the camera's good. No, you couldn't because you're poor.

[B]

I could put it on a payment plan on on T mobile.

[A]

Die. Okay, so great. We did the move to Mexico. You're going to get engaged and then that's Going to move to marriage? I guess.

[B]

Yes.

[A]

My concern here is just based on this bullet, I randomly scrolled down and saw I got kind of lucky on this. Oh, you have a chronic condition of being a U haul lesbian. Just situation shifts endlessly. Just in the spring he almost moved in with someone named Sarah. And Sarah didn't let you know.

[B]

I'm Sarah.

[A]

Oh, oh, sorry. She almost moved in with you. You didn't let her. And then you like you're moving everywhere and you're about get engaged in this Mexico thing. You're doing full lesbianism.

[B]

You're going full.

[A]

But you're. But you're u hauling across a border. That's. That's an intense lesbianism.

[B]

I'm really proud of myself. This is like my dream. I've always wanted to move out of America. I'm like really happy about my move.

[A]

Okay, are there any logical reasons why?

[B]

Because the money. The money.

[A]

Okay. Money can be a logic, but usually that follows. Cost of living goes to the cost of income. Like if you lose your job, I.

[B]

Can get another one in San Diego.

[A]

Okay, you are way too confident on that. And remember when you just. Remember when you just acknowledge the current economic conditions.

[B]

Yeah.

[A]

It is not going to be.

[B]

Have a lot of skills, Caleb. I can do a lot of.

[A]

Well, unfortunately that translates to 3,000 hours a month in one of America's most expensive cities. So you. The skills are not actually being translated in the market where they are rewarding you based on those skills. It's actually suggesting that your skills are low. I mean that is.

[B]

I sold what the market is saying and this month doesn't matter.

[A]

I don't give. You averaged it out. Okay, but the money thing could make sense. It's usually for like more secure remote jobs that are able to move somewhere else but you know, like Mexico City or something. But leaving America just. Just the money thing, you know, disposable income. Do you know what disposable income is?

[B]

It's like money you can spend.

[A]

Disposable income is after everything your needs, your insurance, your health insurance. After everything compared to the UK compared to Germany, compared to the most developed countries in Europe where people grass is greener. Say everything is better which they do build their communities better. I will say that in terms of walkability and you could use a walkable community. The thing is disposable income after everything which includes their taxes that pay for things that we have to pay for the private marketplace. We still have more money left over everywhere. So yes, it is more expensive Here, but we have more money left over at the end of the day anyway.

[B]

That's crazy.

[A]

It's. Okay. So it's good. So that's a good thing.

[B]

Yeah.

[A]

So that is also an invalid complaint. San Diego and Seattle are expensive cities, but there's many places you can go. Okay, cool. Any other arguments for your disdain that is requiring you to leave?

[B]

Also, my girlfriend didn't want to move here and.

[A]

Yeah, but you said you always wanted to. You've been with your girlfriend like a classic lesbian. Only a few months.

[B]

Yeah, so we met on what, June 7th? So it's like six, seven.

[A]

Oh my. You're getting engaged tomorrow?

[B]

No, not tomorrow.

[A]

This month. Come on, shut the up. Okay, so any other logical reason that you had before you met the woman of your dreams a couple months ago?

[B]

I mean, the money. I'm excited for that.

[A]

Oh. Oh my God. I don't know.

[B]

There's not anything I like, bro.

[A]

We statistically have disqualified the money argument. We disqualified the.

[B]

The hate crime for me and my finances. It makes more sense. So. Yeah, Sandy.

[A]

So no other valid arguments? Nothing that we can back up with statistics or metrics or anything real other.

[B]

Than my personal situation?

[A]

I doom scroll and that makes me sad.

[B]

No, I don't.

[A]

That's all you get. Come on. You just get flooded with information that is negative about our culture, which is a very fair thing because that's a very bad part of our society.

[B]

Opinions come from my conservative family.

[A]

Well, if you surround yourself with people, you have a vehement disagreement of worldview wise and obviously you're going to only associate negativity with this culture. And I think people should get out of their bubbles more. So I can't believe I'm about to advocate for this, but you could move to a place and surround yourself with people who have the same group think as you. You don't have to leave the country for that.

[B]

Well, I wanted to leave the country though. I'm very happy with my move and I feel like it was good financially.

[A]

Good financially? I mean, I have a payday loan in front of me.

[B]

That was a long time ago.

[A]

Okay. And it's not paid off. Like I don't really know. The good financially is relying on. You cannot lose this job now.

[B]

I have.

[A]

And at the state of your commission checks coming in from the most expensive city, I wouldn't be so confident on you keeping it for a long time.

[B]

I think I'll be fine.

[A]

Great. What a boat of confidence.

[B]

Well, I can go like I'm. I don't have a worry of losing my job. I've been doing good the past few months so it's a lot of typing there.

[A]

Yeah I'm looking things up because oh.

[B]

My God, you're going to get canceled for saying that word.

[A]

My audience isn't full of people like you. The endless pearl clutchers who are sensitive about everything in this world.

[B]

I was making a joke.

[A]

You're fleeing the country.

[B]

It's like a lore story too. I literally when I was moving I was like do I want to look.

[A]

Back but these you are the type of people that cancel people incorrectly for over sensationalized performative.

[B]

I want to make it clear I'm not one of those blue haired has.

[A]

Nothing to do with liberal it has to do with the people themselves. You said it is unsafe for trans people here. So you're fleeing to a safe that is a place that is objectively twice as dangerous.

[B]

Well it's a minimum. Like I just don't like America. Like that's like my thing.

[A]

That's your thing. That's your personality.

[B]

No no, no, it's not my personality. It's just like my thing with America. I just don't like it.

[A]

So first of all is back in better than ever. Second of all not going to get canceled because I have a good audience that we can disagree on things and we don't kill each other for because we're not living on Reddit and TikTok.

[B]

I don't go on.

[A]

We have normal people. We are filled with normal people can so in New York one of the bluest places was the one hate crime that has happened within the last calendar year on a transgender person.

[B]

1. Are you what about the same Nordic west in Florida? Was that more than a year ago?

[A]

That, that, that is. That was New York.

[B]

I don't think that was New York.

[A]

I think February 2025 New York 24 year old transgender man whose body was found at the alleged prolonged to five suspects have been charged with second degree murder. See, people are actually being held accountable unlike in Mexico by the way. Five suspects have been charged with second degree murder. Authorities so far state there is no indication of yet of a hate crime motive.

[B]

Wow. But it was hate crime dude.

[A]

That's. That's authorities in a blue hyper blue state as in blue prosecutors a hate crime though. I'm glad we can just say that even though the authorities in the state that would say it's a hate crime more than any other state other than California says there's no indication of that yet.

[B]

I would Say it was a crime, but.

[A]

Oh great.

[B]

Yeah.

[A]

It's based on feelings, I guess.

[B]

Feelings over facts, you know. Anyways, regardless of that, I don't want to live in America.

[A]

I know. I just wish we were able to.

[B]

Do I have to change our entire.

[A]

Life reason to change your entire life?

[B]

Yeah, I love change.

[A]

To throw away for everything within just a couple months of knowing something.

[B]

I'm not throwing everything away. I still have everything. Except for a better financial situation.

[A]

No, it's risk. It is immense risk because the economic conditions is you are. You are able to self admit. Plus you not making that much money suggesting you're not that good at your job.

[B]

Don't think that I would have a.

[A]

Problem getting another job selling closets as we head into a potential recession.

[B]

I know, but I would be able to get another sales job or go back into hubris.

[A]

Beyond hubris.

[B]

I've gotten every single job I applied for.

[A]

Caleb, girl, you've only been an adult being able to apply for jobs.

[B]

I've been working since I was 16.

[A]

Okay. Since 16 in good job markets you've never experienced a bad job market? Well, in your adult and 16 life you have never experienced a bad job market.

[B]

I think I would be fine plan on living my job.

[A]

What a. What a thrilling argument. So that's why I'm trying to have it. Because if there was a true logical reason for why you were willing to blow up everything and put yourself in risk before you even have any savings, before you do anything to move to U haul lesbian. Move in with a girl you've only known for a couple months and get married to her. That's why I want to know if there's a logical reason. If you had it, I would advocate for it more.

[B]

Like my apartment. I was behind on rent. I was gonna have to move out. I couldn't afford anything else.

[A]

Are bad with money. You are willing to work on skills. Instead you're abandoning.

[B]

But where was I gonna move if I got evicted? Where was I gonna move? I couldn't afford.

[A]

We could. We could look up a ton of places. You might have to commute far. You already are.

[B]

Now there, literally.

[A]

You might have to move cities. I don't know.

[B]

I would not.

[A]

It's you being irresponsible and us having to work on actual real solutions.

[B]

I'm going to be responsible now, Caleb.

[A]

Oh good. That really changes it. What's your. What do you think your hammer financial score is 0 to 10. 0 being the worst, 10 being the best.

[B]

Quick note. Remind me that I Have a question about retirement later since we're Talking about this anyways. 0.

[A]

You want your hammer Financial score? See where you stand in the world of finances, where you're doing well and where you're doing and what you need to do to improve it is a free assessment. Only takes a few minutes@caleb hammer.com and if you don't want to be like a guest who ends up on this show, make sure you download the Dollar Wise budgeting app at Dollar Wise App. It is hon changing the entire game. It is an incredible budgeting app. New features being added quicker than any other budgeting app. Tens of thousands of people are subscribed for a reason. It is because it is the best of the best. Make sure you do that. Dollarwise app. Take a free trial, see if you like it. And if you do, sign up for the annual version to save a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to you. That is only existing for the next couple months and then it's going away forever and it can't be ever purchased. Okay, so Dollarwise app, all the links are in the description. Let's jump into these numbers.

[B]

It's a lot of memorization, Caleb.

[A]

So I mean, as I've mentioned, first thing right below my nose right here.

[B]

Yeah. Payday loan.

[A]

Payday loan. Tell me about this. What was happening so when and what? October. Oh, last vlog. Last logged in. It was October. Okay.

[B]

Oh, yeah. I was about to be like, this is. I have not paid them, so I know this isn't recent. Anyways, I got this like a year ago and I'm pretty sure that I. I don't remember what it was for, but I was broke. I was in Washington, though, because I did try tell them that I lived in Washington again to try to get more money, but because they get 700. What's wrong with you?

[A]

Why do you want more? Why do you want to go deeper in the hole? How does it make sense?

[B]

Well, this was. This was a year. Or can you guys believe that? Sarah.

[A]

Okay, yes, yes, I see that was your real name.

[B]

This was a year ago, Sarah. Not me now, so.

[A]

And also, by the way, it would be so funny if you gave up your. If you gave up your U.S. citizenship, you became a Mexican citizen, and then you decided you hate it. I would love to see you climb the fence.

[B]

I don't know that I could.

[A]

That's what I'm saying.

[B]

The fences, it's actually like pretty tall. But if I start Myself enough. I might be able to squeeze through. Take a long time though.

[A]

Yeah, yeah. Or going across the Rio Grande.

[B]

I don't know what that is.

[A]

Why? It's the river. Oh. I like to separates the largest part.

[B]

I can swim. Took swimming lessons.

[A]

Yep. Just let me know if you ever want to do that. We can start a whole series around it.

[B]

No, I'm getting dual citizenship.

[A]

Yeah, you're gonna pay taxes forever. Okay.

[B]

So.

[A]

Yes, the payday loan.

[B]

I took it out. Don't really remember what it was for.

[A]

And then don't remember what this was for. When did you take it out? When did you take it out?

[B]

A year ago.

[A]

How the can you not remember what you took out? A literal payday loan for a year.

[B]

It wasn't a lot of money. So clearly it was probably like, oh, my God. They probably charged me at the last payday loan and then I took out another one to replace.

[A]

So again, this. Is this another part of my concern Again, I do not have a problem with you moving wherever. You can move wherever. I do not care. You can go full on ran if you want to. I don't give a. They will throw you off a building, but I don't give a. Here's the thing. You are using this move as your cope, as your solution instead of actually ever building the behavior in implementing the discipline that you should have to live that better life.

[B]

I'm going to have more money now, so I'll be able to pay this.

[A]

Yeah, if you keep your job.

[B]

I paid my credit cards after not paying them for months recently.

[A]

Whoa. Crazy. Oh, my gosh.

[B]

I'm really proud of that. I put them on automatic too. I'm pretty sure.

[A]

Dude, again, listen, what someone does right before coming on the show where they know their finances are going to be looked at. No, that was not indicative of their future.

[B]

I actually don't remember.

[A]

I doubt it because I would see it in here and we will see it. Yeah, that's the case. I will see it in here. I highly doubt it. Okay, so you don't know what you borrowed for?

[B]

No, but.

[A]

And why haven't you made a payment?

[B]

Well, because one but a year I didn't want to just like keep in the payday cycle and then I just didn't have the money to making a payment.

[A]

How does that keep you in the cycle? Because you wouldn't have money for anything else.

[B]

Exactly.

[A]

And what was your spending on it? If I look at a. Okay, when was this? This was.

[B]

This was like last year.

[A]

This is probably like name what month you think this.

[B]

I think it was January at the beginning of this year.

[A]

January of this year.

[B]

Or maybe December.

[A]

What account do you spend money on?

[B]

I only have one bank account.

[A]

Okay, pull up your MOBL app and I'm going to look at a statement from January this year when you took out a payday loan because we couldn't put make a payment towards only a $255 balance because we would be stuck in the cycle. So let's see. From January this year when you were dating someone else who almost moved in with you, by the way.

[B]

I was dating someone else at the time. Well, we just broken up.

[A]

Oh, right. And then. And then the springtime. The spring times when you almost.

[B]

Situation.

[A]

Right. It's only been four that we've almost married this year. Come on, keep going.

[B]

No, I did not almost marry that girl. Oh, my God. Wait, hold on. I might have to log in on the. On the thing because it's trying to send me on the thing. I might have to log in on the. Hold on. Just give me a second. Because it's trying to make me verify my phone number and I have a new phone number. So I'm going to try to log in via. Not the app.

[A]

How do people like you exist?

[B]

I don't know. Why isn't it working? You're going to yell at me, huh? I'm waiting. I'm scared.

[A]

Okay. Remind me later to talk about retirement. Good. The luck. We're talking about a payday loan right now and you think we're going to talk retirement?

[B]

I don't know if it's going to let you. No, it's because I have a retirement account and I need you to tell me how much I should put into it each month.

[A]

0.

[B]

Pay off your payday loan anyways, so I don't know if it's gonna let me because it says online banking is temporarily unavailable. But you can like, press the things and try to figure it out. Yeah, you can. Just.

[A]

What is wrong with you?

[B]

I don't. It's not my fault. The bank's doing that.

[A]

Wait, tax statements. I don't want tax statements. I just saw it. Oh, am I absolute.

[B]

Do you need help?

[A]

Maybe. I don't know. Give me the kisses.

[B]

Give it to me.

[A]

I'm trying to find statements and I saw it.

[B]

Let me help.

[A]

I saw it.

[B]

It.

[A]

I saw it.

[B]

Let me help you.

[A]

Wait, no, stop. I saw it.

[B]

Do you ever get Dutch Bros?

[A]

No, I'm not a animal.

[B]

I love Dutch Bros. Well, you're. Listen, this Is my favorite sound, Caleb. Anyways, do you want to know how I discovered I was a lesbian?

[A]

No.

[B]

I was in a throttle.

[A]

I said no. Okay, so when she was afraid to make a payment on her 300 $255 payday loan because it would keep her in the cycle, Here is what her month of January looked like.

[B]

I think I made a lot of money that month too.

[A]

Better buzz. Looks like a bar or a restaurant. She spent about.

[B]

That's a coffee place.

[A]

Coffee place. Twelve dollars there. She spent something. Squareup.com. hundred dollars out.

[B]

I don't know what that was.

[A]

I don't know. Looks like. Oh, there's DUT 1476.

[B]

Love a Dutch.

[A]

She loves a Dutch and a Mexican. Williams, Taylor.

[B]

I don't know what that is. Oh, that is another loan, I think.

[A]

Oh, good.

[B]

Taylor. I don't know what that is.

[A]

Services. Alaska International.

[B]

Yeah. Oh, my. I went on. I flew home and my dad. My dad Venmoed me the money for that. I got to fly first class.

[A]

Coffee driven. $5 Vetmodo, $200 cash app for my.

[B]

Dad to pay him back.

[A]

Prime Video. Yeah, Planet Fitness. I mean, I. I'll support that for sure.

[B]

Yeah.

[A]

Amazon.

[B]

How much was Amazon? Is it like a subscription or did I buy.

[A]

I've already moved on Prime Video. That's just endless amount of cash app, by the way. You can audible when you're in a place that definitely has a library. When you can't make a paid payment on a payday loan. I don't give a. They're on Spotify.

[B]

Oh, that's just true.

[A]

And I guarantee you probably have Spotify.

[B]

I do, Caleb.

[A]

So why have two? Really great. Thanks for making me less money. What do you mean?

[B]

Would you rather me watch through YouTube?

[A]

Yes, and it's ahead by a week.

[B]

Okay, I will start watching on YouTube for you.

[A]

That's fine. No, Spotify is good too. We like both. It's because I Amazon Cash app again. It's Williams Taylor. Things everywhere.

[B]

How much is it?

[A]

Courtyard. Look at all of this. That is happening. All of this. That is pos withdrawal. No, these are like purchases that are being done through Cash app. Dude, you're spending. Bullshit cash app. Bullshit Cash app. Bullshit Cash app. Bullshit cash app. Bullshit cash app. Bullshit. And I can't see what they are, but it's you at a kiosk spending money through cash app. You're doing all that work while sitting.

[B]

So you're about to make a trade based on a friend's text, but which you do you listen to is it we could buy a house in Tulum, get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn [e-mail] TradeSmart in here and crying.

[A]

I'd be stuck in the payday loan cycle. You. You're a liar. Disingenuous. You cannot make me feel sympathy for you being in a payday loan cycle. You can't. When you go and blow all that money on Dutch Bros Coffee bullshit and endless cash app tapping at a kiosk.

[B]

You.

[A]

You spend bullshit.

[B]

I do. Unacceptable.

[A]

You can't tell me you'd be stuck in a payday loan cycle. You're choosing to buy your bullshit spending. I don't want to hear it.

[B]

I ended the cycle because I haven't paid it and then retaken out more money. So I'm halfway there the ending the cycle.

[A]

Just pay it and then close it. This is not an ad. I actually need your help with something cool I'm trying to build. Financial audit has gotten pretty dang big over the past few years. I went from filming on my kitchen table in my condo to renting out an entire office with multiple sets, a ton of full time employees and some big time sponsors. Now how I dialed in the exact formula for making videos that gets hundreds of thousands of views every single time from thumbnails and trailers to editing and audio. So we've got this whole YouTube thing down to a science. And the thing about science is it's meant to be taught. In fact, I've been thinking about doing a little YouTuber academy for a while now. But I need your help first. If this is something that you're actually interested in, can you fill out the form linked below? It only takes about a minute and it'll let me know what I should actually include in the academy. So fill it out and stay tuned. Honestly, it helped me out and I want to help the next generation as well so. So if you want to be included, just feel free. Starbucks is bull and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving and honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Gaming sauce.

[B]

Literally the cherry flavor is is insane.

[A]

Listen, you can also get free samples to see if you like it. Or 10 off your order at gamer subs gg or click that link in the description below. Type in code Caleb.

[B]

But then I would worry that I would want to take the money out again when I go.

[A]

That's why you close it.

[B]

How do you.

[A]

Are you dumb? You call them and you close it.

[B]

Like never lend me money again.

[A]

You close your account.

[B]

I don't think you can do that with.

[A]

You can probably close your account. It would be really weird to have an account somewhere that you're in capable of closing. I would be absolutely shocked. Listen, I'll let you use the FIZ card. I don't know how it works with Mexico specifically, but at least it's a debit card that builds credit.

[B]

Like I work in America so I don't credit.

[A]

So you can only spend what's in your checking account because obviously for taking payday loans and you're going absolutely moronic.

[B]

Yes. It's been a while though. Okay. They don't call me anymore. That's why I've like kind of like put it on the side burner and it hasn't gone to collections. So this is like end of the of priority payment yet. Yeah.

[A]

With you. What the even is this? I've never even heard of this in my life.

[B]

Like a mistake with you or VV it's with you loans. They're like a loan shark company basically.

[A]

Oh, good.

[B]

Because they charge 300. It's not a payday loan. It's like a personal loan. They charge like 300%.

[A]

Oh, that's not like payday loans.

[B]

I madness actually called my bank and had them like not allow them to pull payments from my bank account. Why.

[A]

Why don't you pay your bills, dude?

[B]

Okay, but they.

[A]

What's the normal minimum depayment? Because obviously there's a stacking up. It says 707.40.

[B]

Have it? No. Okay, so they're not in charging interest anymore right now. They're trying to just get me to like make a settlement with them.

[A]

They want a settlement?

[B]

Yeah, they just want me to like.

[A]

Pay like what have they said so that 707.

[B]

Can I see the paper? Sorry, just. I just need to. Okay. So. Okay, so the amount due right now is the 1649 and the 707 is like a bunch of payments like stacked up because I didn't pay. I've already said that this 1649 is. So they basically are trying to settle with me for like 1200. I don't want to pay them that very good.

[A]

Well, it is money that you borrowed and signed a contract, so who the are you to say, dude, you signed the contract. The interest. I don't like this type of product.

[B]

And I didn't even learn my lesson. It's really bad.

[A]

I think almost like you fleeing a.

[B]

Company with loans, but an ethical loan company.

[A]

Caleb, there's already ethical loan companies. I mean there's ethical loans, more money, even this. I mean depending on how they marketed to you. I would say never get the loan. Doesn't mean they were horribly unethical about it because you still sign the contract. It's a shit loan. I don't like it. Obviously it's not the product I'd advocate for, but I wouldn't reckon you sought it out, right? Or did they seek you out?

[B]

No, I saw it. Well, I found them like when I was like 19, so.

[A]

Oh, not. My brain wasn't fully developed. Well, technically it's still not because you're 24. Yeah, according to where that you get the rest of your information anyways.

[B]

So that's what's going on with that one.

[A]

What is the normal minimum monthly payment?

[B]

I think it was like 150 every two weeks. I think that's what it was.

[A]

It's been a while, so I'll call it 3. I'll call it 300 for.

[B]

I don't. Do you know anything this one, like I can just settle with them. So I. I want to put this on like a later problem because it's not in collection.

[A]

Send it to collections.

[B]

I. Okay. I would rather do a settlement on this one though. Can this.

[A]

I would too, but they're probably accepting that internal collection settlement. And then if they feel like they're not getting it, they're just going to sell it for pennies on the dollar to a collections agency.

[B]

Okay. We'll talk about it at the end when you make the budget. I've. I tried to make a budget and this was not in there, so.

[A]

Well, I don't know.

[B]

I don't want to put this in the budget, but there's a flaw in.

[A]

What you're thinking is what I'm just trying to tell you.

[B]

Well, I would rather save that money up and then and put a subtle.

[A]

I'm telling you, potentially consequences of it as it might not always be in settlement forever.

[B]

I know internal collections by the end of the year maybe.

[A]

And that's if they still have it by the end of the year. You don't know when they get rid of it and when they won't have they told you then. What the you're doing of guessing?

[B]

Okay, I'll. You're. You're the boss. I'll let you decide where. Yeah.

[A]

Anyways, I don't know. I just want to make sure you understand that you cannot guess the future. You cannot be confident in everything. You cannot say, I will have this job forever.

[B]

With collections.

[A]

You can't say I will have this job forever. I can just settle with them forever. I can go get a job no matter what. Within a day. Forever. Your credit score is already 427.

[B]

You're like, what are we the lowest you've had on the show? Is it?

[A]

It's pretty. Honestly. It might be.

[B]

It is. Is.

[A]

It might be. Okay. It officially is. Yeah. Congratulations. World record breaking.

[B]

Thank you.

[A]

Of how horrible someone is. And you don't think you. I don't think you give a. I really don't.

[B]

No, I do. I do. Because I can't get more credit cards with such bad credit.

[A]

Huh. Okay. Nor should you. You're not a credit card person. Why would you.

[B]

I will be a credit card person.

[A]

Do you try to pose every time you take a sip?

[B]

No. I don't know. Was I posing? Sorry. Continue. You made a hole in the paper, Caleb. Why would you do that? Sorry. It was like giving me ocd. Continue.

[A]

I see money owed to dad. What is that possibly for? He already got your flight home.

[B]

He buys me a lot of flights home. I love my dad.

[A]

What?

[B]

What?

[A]

What?

[B]

What? What? What?

[A]

What? What? What? What do you fly?

[B]

Alaska? First class.

[A]

First class.

[B]

My dad pays for it. I actually bought my girlfriend and I tickets to go home and I didn't get first class. Cause I can't afford it, obviously. And. And I'm really sad about that because my son's coming with, so it's hard to fly with him. First class. My son's coming with.

[A]

Son? Child?

[B]

No, Bear. My dog. One of my dogs. He's my. I birthed him. He was three five hundred dollars.

[A]

Oh my.

[B]

He's really cute.

[A]

Did you pay for that?

[B]

My ex at the time did and then when we broke up.

[A]

One of your thousands of almost wives.

[B]

My ex did at the time. And then when we broke up, my mom and I split the cost to buy him from her because he was my baby and he's my mom's grandpa up.

[A]

When was this?

[B]

A couple years ago.

[A]

Oh. How'd you pay for that?

[B]

Well, I got you.

[A]

You couldn't pay a $250 and I.

[B]

Got a settlement from it. Like 20,000. So I paid off my debt.

[A]

But it's very topical. I'm. I'm not trying to be mean. When you fly, because my dad's bougie.

[B]

So he only books me first class.

[A]

Seats, but when you fly, I fly coach.

[B]

Are you kidding me? I'm poor.

[A]

Huh?

[B]

I flew southwest here.

[A]

Huh? And that was with.

[B]

With my girlfriend.

[A]

One seat. What seat?

[B]

One seat. Yes. I can fit in one seat.

[A]

Okay. It's very topical right now because sometimes. Sometimes people think they deserve.

[B]

And I don't need a seatbelt extender. Okay. I can buckle in. I don't. I can buckle in. Suck it in, you know?

[A]

Okay. Because some people think they should get a free extra.

[B]

No, I'm. Are you kidding? I'm not, like, a fat advocator.

[A]

Wait, you beat your ex?

[B]

No, I did not beat her. I stopped her because she made out with someone in front of me. What?

[A]

Abuse is always okay when it's women.

[B]

It wasn't. It wasn't abusive.

[A]

If I slapped my girlfriend, would they say I'm abusive?

[B]

I don't know.

[A]

No. The answer is yes. You. Are you serious?

[B]

Well, I don't know. It wasn't, like, that hard. And I was really drunk and she was making out with someone.

[A]

Guys, if I was really drunk and slapped my girlfriend, would it be abuse? These double standards are insane in our culture.

[B]

I did not beat her. I. Bam. It was a little less aggressive than that, but.

[A]

Well, that's what I think when I think of slap.

[B]

It was like. She was like, oh, I just, like, loved making out with somebody else. Blah, blah. And I was just like. But we had, like, we, like.

[A]

No, it was not. No way. It was that.

[B]

It was like.

[A]

No, come on, be real.

[B]

I am not that, like.

[A]

Yeah, I don't know.

[B]

It wasn't that hard. It wasn't as hard as. Like, you're like. Like this, but.

[A]

Can you bring your face into frame real quick?

[B]

I'm not gonna slap him.

[A]

No, he's given consent. Didn't you.

[B]

I did.

[A]

Okay, reenact, please. I want to know the exact metric of this slap.

[B]

I don't know which hand. Okay, let me use my dominant hand. I'm so sorry. I don't want to use.

[A]

Yeah, take off your tools.

[B]

Yeah, I'm gonna take off my rings because I don't want to hurt you. Okay. That's substantial. I don't know how to, like, hurt the.

[A]

Look at her. Yeah, there we go.

[B]

Probably like that. Oh.

[A]

Were you disabused?

[B]

Yes.

[A]

Oh, okay. All right.

[B]

Well, I don't know. I feel like it's. We also like stopped each other a lot in the relationship. Like playfully. And I was really drunk, so it's like kind of part of that.

[A]

But girl, you using this I was really drunk argument does not work on the other side. I don't know why you think.

[B]

I don't know. I don't regret slapping her. She deserved it. She was a. She stole money from me, she cheated, she did a lot of stuff. So yeah, she deserved to be slapped.

[A]

So how much do you owe to your dad?

[B]

4,500 to 3. How much does it say for what? I think I owe $4,000. I borrowed 3. 500.

[A]

Wait, this ex watches financial audit and.

[B]

No, that's a different ex.

[A]

You have a thousand almost wives. This is crazy.

[B]

The way lesbians do financial audit. You, that ex.

[A]

Oh, another one. You. It's almost like every relationship you're in.

[B]

Cheated on me and she was like holding. Anyways, so the act.

[A]

I can't wait for you to be saying this about the person you're almost marrying and moving to Mexico for. That's what you said about every single one of them while you were dating them all.

[B]

The follow up, you'll. You'll get wedding pictures.

[A]

Yes. But post divorce, I don't think so. Okay, so okay. She watches financial audience. You're excited to find for her to see that you're in love. I don't know. She's seen you in love a thousand times though.

[B]

No, she hasn't. We broke up in January, so it was like recent.

[A]

Oh my gosh.

[B]

And we like.

[A]

Yeah, in the spring and on this. This is crazy. What?

[B]

The one in spring was the Situationship and I didn't like her like that. We just like. Yeah. I don't know, we never dated or anything. I'm a. Uhoh. Lesbian. I'm sorry.

[A]

Yes, you are. But that's. But that doesn't always end up good. And you're literally changing your entire life for it.

[B]

I mean, if my girlfriend and I broke up, I would still live in Mexico. Like the money is just better. Yeah. Anyway, so my dad, I owe him $4,000 for what?

[A]

Possibly.

[B]

I was a couple months behind on my car payment.

[A]

Oh my gosh. When I saw you, I saw your spending. It's. How can you borrow money from daddy? Daddy give me money please, while I'm going to blow my money.

[B]

This was in last.

[A]

Okay, and if I pull up November, what am I going to see? A tit?

[B]

Not a lot of money. You want to see it?

[A]

I will see spending, will I not?

[B]

Yeah, but not like, enough.

[A]

I will still see spending. You cannot borrow money from dead when you are spending.

[B]

So I had a lot of stuff in your collection. I paid off my collections with that last month alone.

[A]

Spending was at minimum, 800. I don't want to hear it. I minimum that.

[B]

I want an audit on that. I feel like that is not.

[A]

We're literally doing it right now. Are you stupid? Anyway, and then there's other large purchases of $1,612. We don't know what that is. And then there's unknown shopping of 327.

[B]

How much?

[A]

That could be bullshit. That could be bullshit. And we will find out if that is bullshit. But we know for a literal fact you spend a minimum, basically $800 on bullshit. How much did you spend? That's a great question. Could you tell me?

[B]

I spent $4,000.

[A]

You spent $4,642.34. You borrowed $3,464. You spent a thousand hours more than you make die. Well, you were.

[B]

I spend $1,000 more than I make when I bought it.

[A]

Interesting how that works, isn't it?

[B]

I honestly don't understand because I don't have credit cards.

[A]

Well, there's already a little money left over. Sometimes we will go through it and I will show you. Interest goes up. A lot of things happen.

[B]

Okay. It's concerning.

[A]

Okay, so, 4,000. This was from last November. And you've done nothing?

[B]

Well, I back like $500 so far.

[A]

Oh, in for a year?

[B]

Yeah, in a year.

[A]

We paid 500.

[B]

Yeah.

[A]

Of the. Of. Of 4,500.

[B]

But I'm gonna pay him back fully because he won't let me borrow from it again. Him again. Until I pay it back back.

[A]

No, he shouldn't. Ever again. Because he's enabling you. You. You should face consequences for your actions and learn from them. And you never will because he is there to save his precious, well, little daughter right now.

[B]

He is. He has other kids that he's spending his money on right now. So I don't think he'd let me borrow money anyways.

[A]

Yeah, chronically enabling. It's great. It's really healthy. It's gonna lead to great life skills for his kids.

[B]

I have a lot of great life skills, dude.

[A]

I don't see any of them. Them.

[B]

It's because you don't know me.

[A]

Well, tell me, what are your life skills?

[B]

I'm really good at public speaking. I am very like Entrepreneur y.

[A]

You make 3,000 hours a month?

[B]

Yes.

[A]

Right now in San Diego, it's usually more. Okay, but that's your average. You said average it out at three. So you get up, you get down. Average three, you make 3,000 hours a month. That is not indicative of an entrepreneur that is successful or a salesperson.

[B]

The lower end of the average.

[A]

Because I just want to. Very good.

[B]

You're not doing well for San Diego anyways.

[A]

4,000. You're not doing well for San Diego. Go 4,000. Maybe we can say that's doing halfway okay for San Diego. No. Honestly, still no. So that's gross. Cuz that's gross income.

[B]

Can you do me a favor, Caleb?

[A]

No. Okay, so what else? What are your other skills?

[B]

I need you to open this for me. No, I can't with my nails.

[A]

Well, if it was a gamer's subs, I would do it instead. You have an alani, like a creature.

[B]

Well, should I go get one of the other ones?

[A]

Yeah. So what are your other skills? Clearly not being able to use your hands.

[B]

It's okay, I'm going to figure it out. Let me try to use my lip gloss.

[A]

Can you tell me what your skills are?

[B]

I'm really good at writing. I'm good at how you can't even.

[A]

Open a bottle because I have nails on.

[B]

I don't want to break one. Oh my God. It's really struggling. I'm really good at writing. I'm really good at public speaking.

[A]

You're naming off the most generic, like freshman and college skills. Do you have anything that's actually translated into the marketplace?

[B]

Yeah, my sales and my serving and.

[A]

Then also make good money for sales.

[B]

I have a lot of stuff that I'm doing. I'm just not doing it consistently enough to make money off of it. Like content creation. I have a podcast.

[A]

Oh, you have a podcast?

[B]

It's a true crime podcast.

[A]

Of course it is.

[B]

Like I got it open on my own.

[A]

Guys, what's your monthly listeners?

[B]

Oh, I haven't published anything in a while. So. Like nothing? Yeah, nothing right now.

[A]

And you moved to Mexico, so you will be a subject of one very soon. Of a true crime podcast.

[B]

Oh, I don't think so. I don't think I'm gonna get murdered.

[A]

Just statistically more likely to. Okay, so we don't have a minimum monthly payment agreement with Papa.

[B]

Well, we did, but I.

[A]

What was it?

[B]

It was supposed to be like 100amonth.

[A]

I think I'm gonna put it at a hundred dollars.

[B]

Put it in there.

[A]

I Will I want to pay him. Okay. I see 2002, an old apartment.

[B]

Yeah, but they're not.

[A]

Oh, your podcast is supposed to be with two other people, but you can't find anyone else to join. No.

[B]

Like one other person and you can't.

[A]

Find anyone else to join you.

[B]

No, because it's like a very niche thing. True crime.

[A]

Yeah.

[B]

It has to be a queer person.

[A]

Yeah. There's no queer people in the United States, dude. Well, because someone like 25 of people identify with queer.

[B]

If anyone wants to be on a podcast, find me how they're gonna find me.

[A]

But you're not hard to see.

[B]

I know, but anyway, so my old apartments, I was behind on rent and I owe them, but they haven't come after me for it, so I think I'll be fine.

[A]

We're not gonna probably go to collections.

[B]

Well, I. They could. I was supposed to be able to log into the app to make small payments, and they don't. Well, I'm like, I'm not able to get into the app and they.

[A]

Have you contacted someone? No, because why am I contacted you? Why am I gonna make your payment? So it doesn't go to collection. So you don't fall below 400.

[B]

Never had a payment agreement. It was just like, when I can make payments, I can make a payments. It was never like this much a month.

[A]

Okay. And what? You don't know what it was going to be.

[B]

They were fine with me just paying whatever.

[A]

I could like really ghetto it all on bullshit. Okay.

[B]

I want to put that with like the for laters because I have a lot of stuff I need to pay off now. Like my car. Like that to my old apartment. I feel like that can be a later problem. Like these two.

[A]

It can be, but how long has it been?

[B]

Like two months is my most recent apartment.

[A]

This was two months ago. What is wrong with you? So that's why it's not in collections yet. You're a mess. How? How, How? Oh, my gosh. You're indicative of an entire group of people, too.

[B]

Too.

[A]

This is crazy. I don't know how we're going to make it as a civilization. I really don't. I really don't. I really don't. And you're just blowing all your money getting your. And you like the Alani.

[B]

Yeah. Okay, so I probably need to like, start buying cases.

[A]

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[B]

Bullshit it Caleb, what is this? Guacamole. Gamer fart.

[A]

Yeah, they're very goony. And this one's lean.

[B]

Guacamole flavored.

[A]

This one's lean with Steve Harvey on it. Is not racist.

[B]

I. I don't know because then I have to like mix it with like ice and.

[A]

No, just water. It's water. It's water. Water. I know this is a lot of working out for you but you just have to shake it up a little. Dude, I don't know. Maybe instead of a four dollar energy trick.

[B]

Are you these at Costco links in the description.

[A]

You guys do it. She won't because she's broken. But get your energy drinks. Make them at home. 25 cents.

[B]

Okay, next.

[A]

So we don't know what our minimum payment is going to be on that. Okay, no Indingo.

[B]

What are you doing?

[A]

I wish you didn't touch my. Because what if I need to go back to it and I know where it is. I knew where it was. You absolutely.

[B]

Spread it out for you.

[A]

Okay. Wow. We are over the limit. Yeah, by 450. How the kid did you even possibly achieve this? So you owe 1459. There's a limit of a thousand. What is wrong with you? You are a creature of the night.

[B]

I just haven't paid it in a while. So there's been a while.

[A]

I would say so.

[B]

So the interest added up.

[A]

I know the game is probably 50 bucks a month but you currently owe 360.

[B]

Okay, I'll say 60 because I have it like yeah, yeah.

[A]

Pass through a lot. Interest, fees, death all accruing four years to pay off.

[B]

It also has a 250 yearly fee that I didn't know about because I don't know how to read.

[A]

Why? What are you even getting with this card? I don't even know. It's a MasterCard of some kind. I don't know what comes with this.

[B]

I don't know.

[A]

41 late fee there.

[B]

Yeah.

[A]

Yeah. Late, yeah. Every month this year so far. Of course, we're not. We're not even shocked.

[B]

I don't think it's every month because I got it.

[A]

I'm pretty sure it's been every month since you've had it. Probably.

[B]

No, I think I've paid it twice.

[A]

You tip? I don't think so. I doubt it. Highly doubt it. No. You're above the limit, accruing Hundreds in interest. 35.9% interest rate. Of insanity. Of insanity. What did you even use this card for? If you've over maxed it out since spring and don't make payment. Since spring? I don't know, since almost three girlfriends ago. All right, let's talk about something most people straight up ignore. Your old 401k. Yeah. That retirement account from your last job that's just sitting there somewhere. Probably meant to roll it over months ago, but between job change and figuring out how to adult, it got buried deeper than your New Year's resolution. Did y' all even know that 25% of all 401k assets are lost or forgotten? That is your money just floating around and trying to roll it over. That's a whole circus of phone calls, paperwork, and maybe mailing a check like it's 1995. But capitalize makes it stupid easy. It is a free concierge platform that helps you find your old 401k open or link the IRA of your choice. And boom, boom, they handled the rest. I didn't even have to know where my old account was. They tracked it down for me. So roll over your old 401k today. Hit the link in the description or go to highcapitalize.com Caleb, your future self and your net worth will thank you. Wanna know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't and when you download dollar wise today, you'll get to try for free. Plus 3 months for just 9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

I don't know. I don't remember. Probably this is like Dice Bros. Shopping. Sheen.

[A]

Maybe pull it up. Pull up the app.

[B]

I don't have the app.

[A]

Are you. What is wrong with you?

[B]

I don't know.

[A]

Deleting it doesn't delete the balance.

[B]

I never. I don't think they have an app. This is like one of those things.

[A]

No way. They do not have an app. You. Oh my gosh.

[B]

There's not an you.

[A]

There is something wrong with you and I don't understand it.

[B]

I'm logging in.

[A]

Has the diabetes made its way to the brain? I don't know what is happening.

[B]

I don't have diabetes. I'm in very good health for being fat. I just went to the doctor. I have like great blood sugar and blood pressure and all that shit. It's because I do work out. Even though you're 24, I also work out.

[A]

So you will not want this at 30, let me tell you.

[B]

No, I'm trying to lose weight. I'm actively losing weight. I've lost weight and I'm actively losing weight. In the post show. You guys will see me skinnier. So. Not post show. Sorry. The. What is it called when you come back?

[A]

The follow up.

[B]

The follow up. Yeah.

[A]

I hope so. Obviously I encourage it. Obviously I'm joking with you and I'm meming on you and I got consent before we filmed that directly has downloading the statements. Well, I just want to see of.

[B]

Okay.

[A]

Your first month of this. Using this.

[B]

So this is the first month. I don't think it was very long. So there's not like a lot of stuff. Oh my God. This is one like. Like my first actually. I don't know what I bought at that smoke shop. I do have a vape addiction. My vape died.

[A]

Okay, immediately put insurance on there for car. And the book. Capital San Diego. Yogurt Land. Jack in the Box, Red Eye Shop, Rose Donuts is all. It's all except for the car insurance. That was insane. That was insane. What is wrong with you? You are broken. You are broken. Broken. You are broken. You are broken. Next statement. Next statement. Crab hut, PayPal, Earth's element, Mandarin House, Coco Von San Diego. You're, you're, you're. This is all. Yeah. And then you're like. Well, I can't pay. I'm so poor. Look at me. Poor me. Shut up.

[B]

Well, I'm actually.

[A]

A while ago. It was in the springtime.

[B]

A long time ago.

[A]

Die, die, die. It was in the springtime.

[B]

What time for me here?

[A]

Anyways, it is true when you live a much, much shorter statistical life, each year counts for longer time.

[B]

I know.

[A]

Capital one. Credit one. Sorry.

[B]

I do have a capital one though. It's probably next.

[A]

Great. Oh, it's maxed out.

[B]

Yeah, it's over.

[A]

Maxed out.

[B]

Over the limit.

[A]

$449.20 cents. Limit is 300. Minimum payment is normally 60.

[B]

No, the minimum monthly payment is normally 30. I was just behind, but you.

[A]

Oh, I'm just behind. Yeah, 129. Fine. What's wrong with you? Interesting. Fees, late fee, interest, late fee every month this year. What's the point? When did you get this? What was the spent on?

[B]

I got this one a couple years ago, like when I first got a credit card.

[A]

Has it been maxed out that long?

[B]

No, no, I'll. I'll pay. It's just been maxed out for the past like six months.

[A]

Payment in six months.

[B]

Well, I just wasn't making a lot of money and then my rent was expensive, work was really slow.

[A]

It's almost like you are bad at this job.

[B]

No, I'm actually really good at this job. Like. Like it's been like. I've had like. We had a really good push and.

[A]

I sold a lot over the last couple of years. The only measure of you being good at a job is the number that comes in. You do not make great money for the area you live in. You are not good at this job or the job sucks and you need a different job. It is one of those two things and it's not anything else.

[B]

Well, I've been told by a lot of my clients.

[A]

Your clients are tell you you're good at your job. That is not great. That's better than a commission check, a gold stand.

[B]

But like sometimes people aren't buying like $30,000 closets, you know? So dude, like, new job, mission.

[A]

New job, new job.

[B]

I want to get a second job. We'll talk about that later.

[A]

I think also in San Diego.

[B]

Yeah.

[A]

Because Mexico is not going to stretch far.

[B]

I'm not going to work in Mexico. I'm working in San Diego.

[A]

Yeah, so are you. Are you ever even going to be in Mexico if you're already up there six days a week sometimes?

[B]

Well, I commute. Like I go back.

[A]

I know. And it's a long ass commute too.

[B]

Well, I don't work for very many hours. I work for like two hours.

[A]

Well, maybe you work a better job.

[B]

I love my job.

[A]

I don't care.

[B]

I want a second job. I know, but I. I love my job and my insurance. I get free therapy, Caleb.

[A]

What? You can get that with a lot of insurances.

[B]

Not for free. I get to go.

[A]

Not every insurance but even still if you make substantially more and you have a copay for insurance, you still net make a lot more.

[B]

I don't know.

[A]

I don't know. Okay, great. One good one.

[B]

I have Kaiser. It's good health insurance.

[A]

It doesn't. It's not necessarily the company. It is the plan within the company that matters.

[B]

I only pay a hundred.

[A]

Well, it sounds like you have a good health insurance but still you can.

[B]

Still have more mileage reimbursements. I have really good benefits on my job. I just need a second job. Any two of them.

[A]

The people who think benefits that count for honestly pennies on the dollar are more important than the actual money that is being made are why those companies are able to pay. You stick there, you think it's valued more than it is. Good benefits are important, but still if you make more money at the end of the day after benefits and everything and co pays and blah blah blah blah blah. Gas.

[B]

Even I get gas.

[A]

That's what I'm saying. Oh, she's. Oh, you are so sorry.

[B]

I lost track of what you're actually.

[A]

I think you might actually be stupid and that is concerning sometimes. That is concerning because no one else would do what you're doing. So why wait?

[B]

Why? Because I'm commuting a lot.

[A]

Just your entire life. What you're doing, the structure just your. Your. Your cope for the reason you're leaving. Like if you're. If you're leaving is. I've always wanted to live in Mexico.

[B]

Well, I have.

[A]

I can vibe with that. But your reasonings behind the leave America were stupid. You are not a smart individual.

[B]

Thank you capital one. This one I got when I got the Indigo MasterCard so recently early.

[A]

Good. Bring up your first month. Believe it or not, she's over the limit. 281.92 with a 200 limit 25. She actually made a payment surprisingly $343 at the beginning. Then fees and interest because she was still late. Past due. Past due. Every month she's had the card and interest accruing like no one is surprised. You just can't manage debt to Save your life. I, like, I just. I don't know. Like, I. I feel like you're gonna even have less incentive to pay your. Cuz you're already.

[B]

You're.

[A]

You're leaving. So it's just like. No, but I know you're not paying. I know, but I feel like you're gonna feel less of a need to.

[B]

No, I feel more of a need to now that I've moved. Moved? Because now I actually have like, more money and I want to get my paid off.

[A]

Why do you want to pay your off?

[B]

Because I want better credit. I want to buy a house I like.

[A]

Where in.

[B]

Well, in Mexico. Doesn't matter. My credit is called because I'll get new credit. But I want to buy houses in America too, and like Airbnb them and stuff.

[A]

Oh, my gosh. Oh, she's. She's okay.

[B]

What the Is my username? Oh, we're having technical difficulties.

[A]

No, you're having brain difficulties. That's how this conversation has been defined. And if you don't change your behavior anyway, the moment you start working on your credit in Mexico, you're going to immediately tank it without changing your behavior.

[B]

I'm pretty sure they, like, you really don't want to up on your credit there because they'll handle you. So, like the bank will like. Yeah. So you really got to pay them back.

[A]

They'll kill you.

[B]

Well, I mean, I guess it depends on who you borrow from, but yeah.

[A]

If you borrow from a gang. Well, do the cartels own the bank? Is that a thing? Like, I don't know. I'm not much into the lore either, but they do.

[B]

Like, if you own a business down there, you have to pay the cartel in every city. Yeah.

[A]

Okay.

[B]

I'm just having technical difficulties, so I have to do a whole thing to log in.

[A]

So weird.

[B]

I can multitask, though.

[A]

Drive just a few hours and all of a sudden we're there. It's so crazy how different a society can be. I'm just a few hours. What is this? Affirm what I'm looking at here? Yeah, Klarna.

[B]

Oh, well, I do. Are the other ones on there? They should be.

[A]

Pull up your Klarna.

[B]

Hold on. I'm still trying to get the capital one. Okay, I'm sorry.

[A]

I know it's all you spent on like. I'm not surprised at all. 152.26 owned on Klarna.

[B]

I did put the rental car.

[A]

Amazon. Amazon. Amazon. Okay, pull up Turo. You paid for Turo?

[B]

Well, it's Because I got Amazon. I got a rental car for this trip, but I'm gonna pay it with the reimbursement. I'm kidding. It's because Ubers would have been more expensive.

[A]

Fill up your Amazon. You. What's wrong with you? Orders, minimum payments. Like 50 bucks right here. Yeah, like 30. 30. $30. Okay. She has 19 things in her cart right now. Now. Oh my God. Okay. Resistance bands, Yoga mat. That's good. As long as you're actually using them. Cuz I'm already going through here and I'm already seeing a lot of workout things. I don't want you to do that. Pre over investment.

[B]

I used to go to Pilates sponge.

[A]

Pack, Pilates ring set.

[B]

And it was $200 mat. So I stretch and now I'm more.

[A]

Oh, you love to talk. Right? When I talk about things that no one wants to hear.

[B]

It was a.

[A]

You're still going. Sponges.

[B]

I needed those sponges.

[A]

And then in the cart we have a cutting board. Endless dye. More dye.

[B]

It's for Christmas presents.

[A]

Cacti or real cacti? I don't even know. Molds. More molds. Lots of molds. Letter molds. Letters, numbers. Soy wax. A protective case for a laptop. Plus size homecoming dresses. Strapless white. White statin. Okay. Zero sugar. Strawberry and cherry flavored snack pack. Zaffy Taffy. Zero sugar Taffy. Sugar free candy. Sugar free Jolly Ranchers. Those aren't half bad. Shameless snacks. And then you're getting the little. The Struf waffles. You're trying. You're really trying to.

[B]

I put stuff in my car like. Like in case I want to buy it. But it's not like I'm going to.

[A]

Go buy all this snack, you know, I'm going to be honest. I know I haven't like lost like enough to be like this.

[B]

How much weight have you lost?

[A]

I'm weighing in Thursday. I'm pro. I'm probably. I think I'm close to about.

[B]

I've lost £80.

[A]

Yeah, 80. Yeah. But it depends on where we start, right?

[B]

Yeah, but I'm just saying, like I have.

[A]

I bet you're a yo yoer. The thing is I've been through that process and now I'm through a process that's a bit more sustainable, but it's longer and I'm losing weight. I got on medication. I've been through the. Okay, I'm just gonna replace the foods with healthier versions at the food. That's not necessarily what's going to win because you're still not working on the the binge the eat. This is a more sustainable life.

[B]

More.

[A]

It doesn't necessarily mean like the food you have can't be.

[B]

It's all about moderation.

[A]

It's moderation. It's working and building those habits and actually living a healthy, sustainable life. Not replacing the food with the same amount but just as b or but slightly healthier versions. I sugar free versions.

[B]

Yeah, well it depends. Like I try to balance with like, like low fat, low calorie versions with like the real stuff stuff like you know, like I eat a lot of Greek yogurt instead of mayonnaise for tuna.

[A]

And also 20 pounds starting at 2:30 versus 80 pounds starting at 600 is substantially.

[B]

Definitely did not start at 600.

[A]

But where'd you start?

[B]

I'm not gonna put that on camera. It's not 600 though. So it was not 600. It's a lot. Wasn't. Wasn't 500 or 400 either.

[A]

300.

[B]

Yeah.

[A]

Something. Yeah. Yeah. That's crazy.

[B]

I know. That's what I'm saying.

[A]

How do you even achieve that?

[B]

I smoked a lot of weed and just binge ate a lot during COVID and Cash app.

[A]

I know this is where you do a lot of your spending from. When I looked at the statement from when you took off that payday loan, a lot of your spending was through cash app.

[B]

It's because cash app is on my Apple pay so I would honestly rather.

[A]

Use chime anyway because when you set up direct deposit with China using our link you get hundreds of dollars to sign on bonuses. So get those and then pay off your payday loan. You'll get the reward for signing up with direct deposit through chime.

[B]

I'll do works just like cash app.

[A]

Do that and then use that and just pay off your payday loan with it.

[B]

Okay.

[A]

Love getting that. Rewards for signing up, ladies and gentlemen. Why not? Yep. Who's surprised? It's Dutch Bros. Netflix Extra Finance. I think that's making a payment. Apple bill. Dutch Bros. Dutch Bros. Amazon. Dutch Bros. McDonald's. Dutch Bros. Dutch Bros. Make your coffee at home. Make your energy drinks at home. I don't understand this. You don't have money. You don't make money. You're. You have debt to pay off. You owe your daddy money. Starbucks. Dutch Bros. Cage 3 going in getting some Google one. That's okay. Dutch Bros. Better buzz. This is.

[B]

Yeah.

[A]

I don't understand why. Okay, but you have to do this.

[B]

Okay but Ross stores video. Wait. Dutch Bros. This month was only $140 die and I was like that's your payday loan.

[A]

I give a. I'm really proud of myself guys. If if I thought I only murder. If I thought I murdered murdered four people but I only murdered three, I guess that's okay. Shut the up. I don't give a what you thought it was any amount of money spent on Dutch bros. And you can make your damn coffee at home. And honestly takes better.

[B]

I don't think so.

[A]

Well then you're bad. Watch YouTube videos.

[B]

Also, before we get into the carin I really have to pee.

[A]

Diabetes. Told you.

[B]

No, it's because I drink a lot of stuff.

[A]

So can I pause urination Also you only know the number because Lindsay told you. You.

[B]

Yeah, I thought it was a lot higher.

[A]

My gosh.

[B]

So.

[A]

All right. Crazy dude.

[B]

Yeah. What is this?

[A]

That you know two A car. You have a twenty thousand dollar car you can't even afford.

[B]

It's not twenty thousand. It was like sixteen thousand.

[A]

The outstanding balance is twenty thousand two hundred eighty one.

[B]

Cuz I'm always late and the interest.

[A]

Is twenty and they put it at the back. Oh you.

[B]

This is why I'm here. Because I really want your advice on this. This.

[A]

Oh, my advice on all of this is change your behavior, get a better job, I don't care. And then she talks over. Okay, great. I want your advice on this. I start to give two points and immediately interrupted you. What are you doing? What is wrong with you? What is the car?

[B]

It's a Nissan Rogue Year 2016.

[A]

What do you think it's worth when you owe 20281.50.

[B]

I think it's worth 12,000.

[A]

Okay. It's worth $6710.

[B]

Are you kidding me?

[A]

According to Kelly Bublook.

[B]

Damn, that's rough. Like under a lot.

[A]

We know it's under a lot of pressure. What's your minimum? Yeah, late fee? Lay fee? Lady.

[B]

582 is my monthly minimum payment.

[A]

What's the interest rate?

[B]

29.

[A]

I mentioned it.

[B]

You just missed it. Yeah, but okay, to be fair. To be fair, I really needed a car and I feel like 29 isn't because like credit.

[A]

$20,000.

[B]

I thought that it was 29 over the whole thing. I didn't know it was per year cuz I'm stupid. Yeah. What? I didn't have my mommy go with me.

[A]

Oh you know, we. We live in the information era.

[B]

Google it.

[A]

Google Cheap geek rock. Everything. You can learn everything.

[B]

Yeah. Yeah. I really needed a car though. Okay.

[A]

You didn't need a car that was twice as expensive as what you could have gotten.

[B]

I could have gotten a shitty car. But. But. But it is a really nice car and I am really happy with it. So I don't give a.

[A]

You're late endlessly. I know it's only worth 25% of what you.

[B]

That's crazy. I did not know that.

[A]

That's crazy.

[B]

So what is your advice?

[A]

I don't know. I'm gathering the full picture. The advice is 1 get a better job. Cuz you're. 2. Don't spend any money on anything ever.

[B]

No more dash bros.

[A]

Turn it off.

[B]

Maybe like no.

[A]

Okay. Die.

[B]

Die.

[A]

Die. Die. Die. Die. Die. Die. Die. No. How do you think you get to justify anything? You're behind on everything. This makes no sense. Yeah, you're broken.

[B]

It's valid.

[A]

Maybe you need the threat of death behind you for. From a bank for you to actually make your payments.

[B]

Yeah, I would pay that.

[A]

Maybe put 60,000 miles on in one year. Yeah, I mean you're doing.

[B]

I drive a lot. I drive a lot for work too. This was aggressive. You know chewing on pens is bad for your teeth. Kay.

[A]

Them die McDonald's every five minutes of your life is bad for your health.

[B]

Actually I'm not a huge fan of McDonald's, so.

[A]

Oh good. I believe I see Not Klarna. The other one.

[B]

Affirm or zip or something. Yeah, firm. They don't let me use it anymore.

[A]

Overdue, overdue, overdue.

[B]

They kicked me off of using it cuz my credit score went down.

[A]

Good.

[B]

So I'm not paying them right now.

[A]

Never be having access to any debt ever again for the rest of your life.

[B]

What if I make better decisions? Then can I.

[A]

If I change better positions for a long time.

[B]

Yeah, like.

[A]

Okay, affirm. $129.84. I don't know, just.

[B]

I just don't want to pay them because they won't let me have more money, so.

[A]

What an entitled.

[B]

I know but you signed the paperwork you tit. It's not like a lot of money so I feel like that's a later problem.

[A]

Problem again. You literally get more than that. Setting up direct deposit with Chime with my link. I mean it's just like.

[B]

Yeah, well I'll use that money that I get.

[A]

Exactly, that's what I'm saying. Savings $6.95.

[B]

It's 27 now.

[A]

Conquering the world. 287 in checking. That's wonderful. Shocking. No overdraft fees this year. No Klarna. Cash app spending. Cash app spending. Cash app spending. Klarna affirm Amazon ATM Withra ATM with TR straw going in and getting some bullshit. You got an energy drink. There it is. Four dollar energy drink. You went in.

[B]

Your energy drink was from here. I did buy the Dutch. I'm here.

[A]

Are you stupid?

[B]

Sorry.

[A]

My goodness. I'm going through the statement. Are you Actually you looked at this?

[B]

I got. I. Yeah.

[A]

Anyways, gamer stops 25 cents a serving. What the dude? In and out. What is also wrong with you?

[B]

I know. I don't really like it and out.

[A]

Either because it's not that good.

[B]

It's not.

[A]

It is not.

[B]

Have you ever been to Washington? Go to Dick's drive in? Yeah, Dick's drive in is superior for like birthplace superior.

[A]

Oh, incredible. ATM with raw. Oh it keeps going. Prime video Arco.

[B]

Sorry, I just. Those look really dramatic like keeps going. Sorry.

[A]

Does your heart need that?

[B]

Yeah, I like caffeine.

[A]

Arco going in against the bullshit. A casino. Casino. You absolute casino.

[B]

It was only $20, right?

[A]

How dare you.

[B]

I'm sorry.

[A]

How dare you? You. No. How dare you? That is not funny. Shut up. Klarna prime video. Dutch bros. Cash app. Cash app. Cash app. Best buy winning got some cool. Cash app. Cash ATM with draw. ATM with drawers. Winning got some bullshit. Winning got some bullshit. Cash app. Cash app winning got some bullshit Pay later Klarna Fred I don't even know Taco bell. Taco Bell, Dutch bros Go brands. Dunkin donuts or doordash. I don't know but it's $112.

[B]

$112. $112 for what does this say?

[A]

Dee Dee's.

[B]

Oh, Dee Dee's discount. It's like Ross in California. I highly recommend.

[A]

Oh Klarna. Amazon cash app bullshit Spotify. Told you you have it. Use your audiobooks there. Affirm golden state Jamba juice. Dutch bros going in and getting some bullshit die cash app. You got an energy drink. Bullshit prime video Cash app. Amazon go puffing. You're go puffing. You're go again. How to deal die ATM withdraw Cash app. Audible red Eyop Cash app. Oh, that's another thing you really should do for your health.

[B]

I only allow myself to have one vape a paycheck though. I'm budgeting.

[A]

You are a broken individual. You are a broken and you are going to die before 30.

[B]

No, I'm not going to die before 30.

[A]

Dude, you're vaping your energy drinking and you are morbidly obese. You are going to die before.

[B]

Well, I'M going to lose weight and.

[A]

I am going to move to Mexico.

[B]

I'm quitting vaping. When my mom quit smoking I made a deal with her because I want her to quit smoking.

[A]

Yeah, let's make you depend on and I barely started. You are so broken. Your logic on everything is so broken. You are so done. You're never gonna make progress Wix you pay for a website. You're stupid.

[B]

Craigslist DIED Business.

[A]

Raising canes Klarna Craigslist Craigslist the craigslist.

[B]

I got reimbursed for that.

[A]

You're so. You're so good luck. I'm gonna make a budget but good the luck. My confidence equals zero.

[B]

Well, we'll see. Yeah, I have a lot of confidence in myself.

[A]

We'll see if you live between now and the follow up.

[B]

How long does it usually take?

[A]

3, 6 months. Whenever you want.

[B]

Yeah, I think I'll make it that long. Maybe a year.

[A]

Keep chugging that caffeine. $1177 is your minimum depayments which is a third of your income of which I'm making 3500.

[B]

Okay.

[A]

Gas? Voom. Drive. Drive home. How much?

[B]

Probably like 600amonth.

[A]

Car insurance? How much?

[B]

289. My Dr. 500.

[A]

And you do not pay utilities?

[B]

No.

[A]

How do groceries work in the house?

[B]

I pay about $300 a month and she pays about 2.

[A]

$300 groceries t fund anything else you need? A hundred dollars you probably 150 for your extra things you need.

[B]

What extra things do I need?

[A]

Personal trainer. I don't know, just something more things come with this Jim. How much?

[B]

29Amonth.

[A]

Do you have any pets? Yes. You do. You have two dogs. How old are they? What are their health?

[B]

One is nine months and the other one is two and a half years. And the health and they're great health. So I can get them Pet Insurance.

[A]

100 pet insurance for both combined. It'll be good in pet insurance not.

[B]

To insurance on what kind of pet insurance to get.

[A]

Yeah, we'll send you some links.

[B]

Thank you.

[A]

Medical health care? Not right now. Maybe if you're switching better job.

[B]

What the medical health care comes out on my paycheck already.

[A]

No, I know that you that's what. I'm sorry. What's your phone bill?

[B]

My phone bill is $160. I just got an iPad on it for work.

[A]

So switch to helium if T mobile is good in your area. I don't know how that works with Mexico so I don't know but it's good for most people here. Subscriptions. I'll try to say $25. Let's see if this even works. If not changes.

[B]

I need to get another job. I think that's.

[A]

No, you just need a better job. You need a real career. Career.

[B]

My job is a career job.

[A]

Dude, shut up. I'm sorry. You see, and this is why I'm borderline, like, giving up. You see how you're just incapable of.

[B]

I would rather get.

[A]

Listen, you technically have a room of like a hundred dollars. If you bring in three. 500. You said you bring in three. So like I don't even know. You're either behind or you're not. Let's pretend you make 100. Very good. Very good. You make 100. That's wonderful. Of your total debts, $26,649.77. Divided by 100. 100. Okay. Divided by 12. Yeah. That takes you 200. What was that? 22 years to pay off?

[B]

Just if I do minimum payments.

[A]

Listen, here's the thing. Here's the thing. You can't even sell your voluntary. Okay, yeah.

[B]

Okay. Wait. Really quick retirement. So at my. No matches. No. Okay.

[A]

No. And then you can't afford to pay bills I don't like.

[B]

And then I want. Did you move to Mexico?

[A]

Do you. No.

[B]

So. Well, how do you suggest. When I have extra money, what do I put it towards? What is your recommendation?

[A]

No. Now can I actually give my thoughts instead of you trying to lead the conversation? Thank you.

[B]

You.

[A]

This is 100% what I would do in your situation. You're completely. Your credit. That'll see the point. I had voluntary repo. You're going to owe money. Then you're going to get a horrible predatory loan on a not so great $10,000 car that you're going to drive for a couple years, that you get pre approved by multiple mechanics. That I will not fall apart for a couple years. That is safety driven. And you are going to. And this is post your voluntary repo. And then after you already have that, then you are going to. After you change your behavior, proven for three months, don't pay in your debt anymore. Just don't. Three months. Then declare bankruptcy.

[B]

You suggest I declare bankruptcy? I don't have that much debt though.

[A]

Dude, are you. With the money you have left over, it takes 22 years. Your credit's already.

[B]

Okay, but I can make more money.

[A]

Okay, very good. Listen, Lindsay said there's something exciting in the post show. So that's it. She's not gonna listen to anything. So her so join Hammerly for that. Let's get her Hammer financial score. Okay, very good. Off and go to Mexico. Go back to Mexico. Join us in the post show. Join Hammerly. Click that join button. Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of this show. This episode where Lindsay said there's something absolutely juicy and I don't know it yet. Let's find out. See you there. This other thing. This other thing's crazy.

[B]

We cannot discuss.

[A]

Oh, we couldn't talk about this in.

[B]

The main show or in the main show. Wait, what is it?

[A]

We could have talk about this in the main show. This is insane. I can't believe this. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.