I've Never Seen Anything Like This | Financial Audit

Summary

Podcast Summary: Financial Audit

Episode: "I've Never Seen Anything Like This"

Host: Caleb Hammer
Guest: Jeffrey, 23, Hinesville, Arkansas
Date: January 14, 2026

---

Overview

In this unforgettable episode of Financial Audit, host Caleb Hammer interviews Jeffrey—a 23-year-old with a modest income living in rural Arkansas—whose explosive obsession with collecting Pokémon cards has created the most extreme financial scenario ever encountered on the show. Caleb attempts to uncover how Jeffrey has managed to spend up to $26,000 in a single month on Pokémon cards, while drowning in credit card debt, living rent-free with his sister, and balancing aspirations of nursing school. More than just an audit, the episode exposes the compulsive psychology behind collectible card addictions and challenges around prioritizing adult responsibility.

---

Key Discussion Points & Insights

1. Jeffrey’s Income, Circumstances & Aspirations

• Background:

  • Lives in a small town (Hinesville, AR, population 83).
  • Works in shipping/handling for a small company outside town.
  • Makes about $650/week (~$2,817/month, $33,800/year net).
  • Recently moved from Illinois to Arkansas for family.
  • Wants to start nursing school soon; aims to be the provider for his girlfriend (they've been together 8 months).

• Financial Reality Check:

  • Had to move in with his sister due to unaffordable rent—despite only paying $650/mo previously.
  • Claims food and car expenses made solo apartment unaffordable.
  • Caleb questions how Pokemon spending, not rent, is the problem.
  • Quote [06:03, Caleb]:

    "Objectively, yes, it is money out the door. That sucks. But it was still in the affordability–your spending, whatever you got yourself into must have been beyond out of control…"

2. Obsessive Pokémon Spending

• Scale & Frequency:

  • Spends $1,200–$4,000/month on Pokémon cards, sometimes more.
  • At peak, spent $26,000 in a single month—over 10x his monthly income.
  • Averaging $4,000/mo, double what he makes after bills.
  • Quote [35:09, Caleb]:

    “You spent 10 times your income in one month on Pokémon alone.”

• Habits:

  • Purchases cards both in-store and online (Walmart, Target, Best Buy, Sam’s, Costco).
  • Pays for Discord servers to get notifications on restocks.
  • Sometimes chases the Pokémon distributor or pays trusted contacts for alerts.
  • Pays for apps and subscription services to catalog his collection.
  • Has credit cards dedicated to Pokémon, with balances exceeding $5,000–$10,000 each.

• Rationalization & Thrill:

  • Openly prioritizes the “thrill of ripping a pack.”
  • Compares it to gambling, but denies it is gambling.
  • Sacrifices financial independence, future housing, and other life goals for the hobby.
  • Quote [12:17, Caleb]:

    "It's gambling. Yes, it is. It’s the loot crate in an EA game."

  • Quote [12:19, Jeffrey]:

    “It's not gambling!”

  • Quote [25:04, Caleb]:

    "You told Colton specifically that you feel sad when you're missing out on a good set of cards."

  • Quote [25:14, Jeffrey]:

    "Oh yeah, 100%. You actively feel that in your body? Oh yeah."

• Justification:

  • Asserts that for him, the value is emotional; signature pull is “priceless."
  • Rationalizes purchases as joint experiences with girlfriend/buddies.
  • Quote [04:46, Jeffrey]:

    “To me, it's priceless. Me and the girlfriend.”

3. The Depth of Financial Catastrophe

• Debt Situation:

  • Multiple credit cards maxed or near-maxed; balances distributed between Apple Card, Discover, Platinum, Sapphire Preferred, Amazon, Klarna, Affirm, Upstart, UpGrade, etc.
  • Total non-student-loan debt: $26,553.
  • $29,799 in student loans (for a degree he didn’t finish).
  • Still owes $7,800 on a car worth less than half.
  • Credit utilization results in a fair-to-poor score (648).

• Budgeting (or Lack Thereof):

  • Does not keep a written or app-based budget—“it’s all up here.”
  • Severely underestimates his own expenses and debt (“it works for the most part”).
  • Caleb prods repeatedly about his budgeting method.
  • Quote [27:34, Caleb]:

    “It’s all up here? I may not have a brain, gentlemen, but I have an idea…”

• Cycle of Spending:

  • Minimum debt payments alone consume half his income (before food, car, basic needs).
  • Still finds hundreds to thousands monthly for Pokémon.
  • Surveillance-like behavior to buy new sets (sometimes spends 12–14 hours weekly ‘hunting’).
  • Pays for and stacks buy-now-pay-later payments (Klarna/Affirm) atop his credit cards.

4. Addiction & Denial

• Signs of Addiction:

  • Feels “sad”/distressed when missing new drops.
  • Admits to feeling compelled to buy every new set:
    • Quote [24:09, Jeffrey]:

      “But how am I not supposed to open the new set? It’s a brand new set. You have to get it.”

  • Denies the comparison to gambling repeatedly, while exhibiting all textbook signs of gambling addiction.
  • Caleb repeatedly pushes the point:
    • Quote [24:13, Caleb]:

      “If that’s how you want to live your life, good. Go do it—live with your sister forever… But if you’re a very traditional and biblical guy … gambling... And this is.”

• Community Enabling:

  • Maintains memberships in Pokémon alert Discords.
  • Community includes individuals willing to illegally track distributors.
  • Quote [16:04, Jeffrey]:

    "The lady who does restock ours, someone did put a tracker on her car…"

5. Lifestyle Contradictions & Personal Priorities

• Relationship & Traditional Values:

  • Sees himself as “traditional” and “biblical” (celibate, no sex before marriage), yet spends irresponsibly.
  • Wants to provide for his girlfriend, but prioritizes Pokémon over housing, stability, savings.
  • Multiple humorous exchanges on biblical consistency, e.g., tattoos and gambling (using a Bible-themed chatbot to “convict” him).

• Humor and Absurdity:

  • Outlandish rationalizations (e.g., “the thrill,” “I know what I’m paying for!”).
  • Caleb riffing on Jeffrey’s claimed “brain budgeting,” Bible app responses, and basic math denials.
  • Quote [30:42, Jeffrey]:

    "I would say about probably around seven [out of 10]... Right? Not too bad."

  • Quote [30:47, Caleb]:

    "You don’t actually think that. There’s no way."

6. Key Memorable/Absurd Moments

• Jeffrey brings Pokémon tins, tries convincing Caleb of their “priceless” value.
• Caleb opens a $15 pack on air, pulls 50 cents of cards, uses the moment to highlight the gambling dynamics.
• Jeffrey describes 12–14 hour weeks spent hunting for new stock, and $800 ‘bored’ purchase days.
• Jeffrey details how some in his community illegally track distributors with devices—“That’s a little far… but he just got like a misdemeanor for it.”
• Multiple lines where Caleb declares him “unfixable” and an “example” for future debtors.

---

Timestamps for Important Segments

• 00:39: Introduction of Jeffrey, his background, and occupation.
• 04:00–07:00: Pokémon card values, habits, and the tight linkage of the hobby to Jeffrey’s identity and spending.
• 07:12–09:10: Admission of buying 200–300 packs/month; reveals spending double rent on Pokémon.
• 11:10–12:29: Rationalization and denial that the habit is “gambling.”
• 13:01–14:00: Live pack opening and the economics of Pokémon packs.
• 24:09–25:14: “Chasing the set” and Jeffrey’s anxiety about missing out.
• 30:42: Jeffrey’s fantasy self-assessment of his finances.
• 35:09: Caleb reveals Jeffrey spent $26,000 on Pokémon in a single month.
• 39:29–41:06: Breakdown of the “Pokémon credit card”—Apple Card balance, minimum payments, and “whatnot” app spending.
• 47:07: Jeffrey’s paid Discords and “insider” access for locating Pokémon card drops.
• 55:11–60:00: Dissection of various credit cards, minimum payments, and inability to use a debit card.
• 72:00–76:00: Jeffrey’s repeated use of Klarna, Affirm, Upstart, Upgrade, etc., to float Pokémon purchases and basic needs.
• 81:00–83:00: Student debt, car loan at 12% interest, and how all big life choices are filtered through ability to buy Pokémon cards.
• 88:05–90:00: Even in the best budget scenario (no fun money), it takes 3–5 years to pay off debt, but he’s unable to stop Pokémon, making this hypothetical useless.
• 91:35: Caleb lays out reality: nothing changes unless Jeffrey gets control of his behavior.

---

Notable Quotes

• On Pokémon Spending:

  • [09:10, Jeffrey]:

    "Probably most of this year. So this year… Mainly when I like finally, because I moved out to Arkansas from Illinois. So when I moved down there and I was able to get my hands on a lot more product then… yeah."

  • [35:15, Caleb]:

    “You spent 10 times your income in one month on Pokémon alone.”

  • [25:04, Caleb]:

    "You told Colton specifically that you feel sad when you're missing out on a good set of cards."

  • [25:14, Jeffrey]:

    "Oh yeah, 100%. You actively feel that in your body? Oh yeah."

• On Gambling Denial:

  • [12:17, Caleb]:

    "It's gambling. Yes, it is. It’s the loot crate in an EA game."

  • [12:19, Jeffrey]:

    "It's not gambling!"

• On Financial Self-Awareness:

  • [30:42, Jeffrey]:

    "I would say about probably around seven [out of 10]... Right? Not too bad."

  • [30:47, Caleb]:

    "You don’t actually think that. There’s no way."

  • [29:39, Caleb]:

    "Objectively, [‘it’s all up here’] is not working. You didn't know how much debt you'd have. You didn't know how much went out. It's not working."

• On Adult Priorities:

  • [19:39, Caleb]:

    "You're going to have to take those things and prioritize… as an adult."

  • [20:33, Caleb]:

    "How the fuck is it even possible? 50% of your income goes to Pokémon?"

• On the Community & Enablers:

  • [16:04, Jeffrey]:

    "The lady who does restock ours, someone did put a tracker on her car, so it's been harder to find Pokémon cards…"

• On Hope for Recovery:

  • [69:47, Caleb]:

    “Dude. Fees of $326 this year so far, and that's alone. What the fuck are we doing? This is insane. There is no hope here. I'm just going to let you know.”

---

Conclusion

Caleb Hammer’s audit of Jeffrey is unlike anything previously documented on Financial Audit. Jeffrey’s open, exuberant, but deeply compulsive Pokémon collecting habit paints a cautionary tale of how easily financial self-destruction can hide behind “fun money.” Despite Caleb’s attempts, the episode closes with the sobering reality that behavioral change must come from the individual—a theme underscored by the show’s frequent returns to denial, enablers, and unshakeable justifications. With hundreds of dollars wasted on interest, late fees, and collectible drops, this episode isn’t just about numbers—it’s about the psychological trap of “collector’s gambling,” and the inability to prioritize real-life goals over chronic dopamine chasing.

---

For Listeners:

• This episode is a wild ride through obsession, denial, financial self-destruction, and the limits of external intervention.
• Takeaways: Budgeting matters; “fun money” must have limits; and no hobby, however joyful, is worth your entire future.

---

For more detailed breakdowns, exclusive post-show content (including a call to Jeffrey’s girlfriend for her perspective), and financial tools, join Hammer Elite or visit the links in Caleb’s show notes.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You spent $26,000 in a singular.

[B]

That was a good month.

[A]

I've never heard of something like that. That is the first time in the history of this show I had to go big.

[B]

I was able to hit the Walmarts online and in store. Target online and store.

[A]

You spend double what you make.

[B]

Yeah, I mean, that's all right.

[A]

This is insane. There is no hope here. I'm just going to let you know.

[C]

You came for the finances. What if you could have more. Join Hammer Elite this month for free and discover what the number membership on the platform has to offer. See description for more details.

[B]

All right. My name is Jeffrey. I'm from Hinesville, Arkansas. I'm 23 and this is Financial Audit.

[A]

Yes, it is. Thanks for coming down to Austin.

[B]

Thanks for having me.

[A]

Absolutely. What do you do up in Hines? I do not know. You said Hinesville.

[B]

Hinesville. Oh, you don't know about my town of 83 people?

[A]

Oh yeah.

[B]

What do you know about my town?

[A]

What do you do for a living in a town of 83 people?

[B]

I don't work in that town. I work a little bit outside of it. But right now I'm just running a shipping and handling department. So I bring in all the orders, send them all out. Nothing interesting for Walmart. Oh, I wish it'd be a lot more, but no, just a smaller company up there. I'm not gonna say names but no name.

[A]

Yeah, running shipping and stuff, I guess. Yeah, it's okay. Cool.

[B]

I'm doing for now wanting to start or I'm starting nursing in the spring that's coming up here.

[A]

You're gonna be a nurse.

[B]

Hopefully that's what I'm here for because I need to get.

[A]

That's what you're here for. I can't help you.

[B]

You're not going to give me my nursing license?

[A]

No.

[B]

I'm going to have to go then. No, I need help with that part is because I'm getting taken care of.

[A]

Before you get to nursing school.

[B]

Yep. Well, that makes sense because I drop those hours down. Got to figure out how to afford everything going through that. So that's why I'm here.

[A]

Well, okay, good. I'm glad that's why you're here. So what do you make?

[B]

Make about 650 a week right now?

[A]

Just about, man, I guess. And Hinesville? I don't know how $33,800 a year net stretches there, which is about $2,817 a month on average. I'm not sure how that stretches there. I know in most of the United States, it wouldn't stretch very far at all. Town of 83. How's. How you doing on that?

[B]

Not too bad.

[A]

Okay.

[B]

Way too much on. On some Pokemon right here, so. Had to move in with my sister there.

[A]

Can.

[B]

Yeah, it's a tin, isn't it?

[A]

Of Pokemon.

[B]

Yeah, of Pokemon. Come on.

[A]

Okay, but that's not, like a mint carrier.

[B]

A mint. I mean. I mean, there could. I could carry mints in it, but no.

[A]

You have cards in there?

[B]

No, I got packs. It's even better. Sealed packs. Your favorite.

[A]

I know my favorite. That's not my favorite or at least favorite. I have no opinion on Pokemon. I've never interacted.

[B]

Everyone loves Pokemon. Come on.

[A]

I don't hate or like. I. I'm literally neutral. I have no idea what you're saying. What's that other one?

[B]

Oh, this is my pride. My pride and joy. Me and my girlfriend pulled this. We got a perfect grade on it.

[A]

So great on it. How do you get. Wait, can I see?

[B]

You gonna break it?

[A]

No, no, no, no, no, no, no.

[B]

Yeah, you can send it off. So you pull it if it, like, looks like everything's perfect on it. No scratches. No, like, off centering you. 25, 30 bucks. And then you get back in this cool little sleeve. And then I put a nice little guard around it so it's nice and protected.

[A]

It does a protect charge of 150 during your opponent's next turn. This Pokemon takes 30 less damage from attacks.

[B]

Huh?

[A]

Huh?

[B]

But. Yeah.

[A]

Does that make it worth something Good? Wait, If I scan this, what happens.

[B]

If you scan it? If you scan it, it'll just tell you what the grade is. It'll tell you, like, the population, how many there are.

[A]

Well, what's this worth for it to be so protected?

[B]

Off. To me, it's priceless. Me and the girlfriend.

[A]

Okay, shut the up.

[B]

How much is it worth? Priceless to me. And no one has that grade guard, either. That's.

[A]

I don't know what this. I. None of these words make sense to me. What is this worth if I had.

[B]

To put a value on it?

[A]

Is there a value on it?

[B]

Yeah, it would be probably, like, around 150, but. No, no, no. But to me, it's priceless. I pulled.

[A]

Okay, Maybe I should have broken it. No, it's like.

[B]

But it's one of one. Look at this grade guard. No one has this.

[A]

No one knows what a grade guard is.

[B]

I know what a Grade guard.

[A]

Some people do. Some people do.

[B]

Look how. It doesn't look pretty. It goes with it.

[A]

Are you talking about the case?

[B]

Yeah, this little.

[A]

No one has the case. We're not talking about the card in there.

[B]

Might have it, but not with this card. You know what I mean?

[A]

So it's not even about the card. It's about the case and card combination. Who gets a. Okay, great. Wonderful. What are we talking about, dude? What's going on?

[B]

Nothing much going on with these. Like, I don't really think this is the problem.

[A]

Those. You, you. This conversation. Don't. Don't be a dumb ass. Come on. Come on. What's going on? What are we talking about?

[B]

What are we talking about today? Just kind of my spending as a whole of just trying to get back to.

[A]

Well, what's going on, dude?

[B]

I'm not sure what's going on. I kind of. Bro, I was spending a little bit.

[A]

Too much, but on the Pokemon.

[B]

I mean, not. This is my fun money.

[A]

This is like.

[B]

This is all good.

[A]

Do you have fun money? If you say you're spending too much. Do you have fun money?

[B]

Yeah, I'm just talking more about the rent. Like, rent's just way too expensive to where I was at in a town of 650.

[A]

Oh, yeah. I mean, what was rent was 650. Yeah, it was.

[B]

Yeah. Cuz I live with my sister now.

[A]

So how are you struggling? I mean, I know you don't make it a crap ton of. Does your sister or does your girlfriend live there too?

[B]

No.

[A]

Or do you still have a girlfriend? Yeah, that girlfriend, like as.

[B]

Yeah, the one that we pulled.

[A]

This was. How long have you guys been together?

[B]

Eight months.

[A]

Oh, okay. It really sounded like it was a lot longer, but that's okay. No, no. Maybe I'm moving together. So what was rent that you couldn't afford then?

[B]

It was 650, so. Just couldn't afford that.

[A]

You could afford that. I'm sorry, you are on a lower income, objectively. But even still with that, that is still 23 of your net pay you. Yes, you could afford. Where was the rest of money? What do you mean?

[B]

No, I mean it was just expensive to live there. You got food?

[A]

Sure. It's money. Food. Well, yeah. What does your sister pay for all your food? Are you a child?

[B]

I know I pay for my food. I pay for my food at least.

[A]

So. What the. What are you talking about then? Yeah, apartment was expensive because I got food.

[B]

Yeah. Food. I got car.

[A]

You have food at your sister's place? She's not paying for it. Yeah, so that doesn't make any sense. Okay, so. Well, no, objectively, yes, it is money out the door. That sucks. It took like a quarter of your income. That sucks net. But it was still in the affordability you're spending. And whatever you got yourself into must have been beyond out of control. If 25 made or break broke you, then the other 80. Where was the other 80%? Because you must have spent over what you brought in.

[B]

I mean, I had like my car payment, my insurance, and then like my fun money.

[A]

Do you not have.

[B]

Oh, no, I still have. So I have my car payment, my insurance, my fund money. So it's kind of got in the way of my rent payment.

[A]

You spend money on these Pokemons as well, do you? Do you at least resell them?

[B]

No. No. You just got my babies.

[A]

What? Because I might.

[B]

Look at this. You think I'm going to sell this?

[A]

Nothing to me. It literally means nothing to me.

[B]

I brought a cooler one.

[A]

I guess it would have meant nothing to me. I don't know what anything is. I know what poker, what Pikachu is. He knew Pikachu. But everybody knows Pikachu.

[B]

Oh, yeah, that's Pikachu right there.

[A]

Bring me a Pukchu.

[B]

Brought a cool Pikachu. I do have one.

[A]

Pikachu would have been the only one I know. How many packs a month do you buy?

[B]

Packs a month? That's a hard one. Probably like over 2, 300.

[A]

Packs.

[B]

Yeah, like these.

[A]

How much is a pack?

[B]

No, I'm like about sometimes $5. Depends what it's coming in.

[A]

Wait, 2 to 300? Let's call it 250. That's 1,250. You're complaining about a $600 rent? $800 rent. What was your rent like?

[B]

650 plus utilities.

[A]

Buddy, the amount you spent on Pokemon on a monthly basis was double your rent.

[B]

Yeah, I mean, that was a little bit slower of a month for Pokemon, but no.

[A]

Well, okay then. What are you spending on Pokemon? On normal. On normal. On normal.

[B]

I think just this year.

[A]

Wait, how is your girlfriend even? Does she know?

[B]

Yeah, she opens them up.

[A]

She opened this one.

[B]

She pulled this.

[A]

Pulled this. Oh, that's what you meant by pull? You got out of the pack and you pulled it. Gotcha. And she doesn't view this as beyond childish behavior and she's sticking with it. Well, because you said you couldn't afford rent, but you spent double of what rent was on Pokemon on a. According to you, slow month.

[B]

I mean, let's just view as childish. She gets to rip picks with me. Like every new set that comes out we usually do like pack battles with each other. So I mean we're both, we're both reaping the benefits. Me and my buddies, we all buy some. So.

[A]

Buddy, I don't even know if you sold all your cards today. What the.

[B]

Could you get my whole collection if I sold it in one go? Because if you sell like a whole collection you always have to. There's a percentage that gets taken out.

[A]

And so just you sell them. What do you guess?

[B]

I could probably walk away with maybe 8 grand.

[A]

If you're spending 1250amonth on Pokemon cards and I guess that's a slow month. So let's say two. How many months to only be able to sell it for eight?

[B]

I mean you don't always get the hits. Like some cards that you pull are only worth like 2, 3 bucks.

[A]

How many months have you been spending 2,000amonth on Pokemon?

[B]

Probably most of this year. So this year.

[A]

So you just fell into it this year? You just fell into it this year?

[B]

Yeah, I mean, no, I've always been the Pokemon. Like I have like my binder from when I was a kid but my.

[A]

Ramped up to that price this year.

[B]

Yeah, mainly. Mainly when I like finally because I moved out to Arkansas from Illinois. So when I moved down there and I was able to get my hands on a lot more product then. Yeah.

[A]

Who moves to Arkansas?

[B]

That's a good question I've asked myself.

[A]

From Illinois but to Arkansas I've never.

[B]

Heard of but I already had family down there so it's just easier to hop on down.

[A]

So you had family there?

[B]

Yeah.

[A]

Okay. Are you from Illinois? Okay, how, listen, nursing. Yeah. That's good. But even still, I mean just thinking of one of our Hammer release shows, the hammered out Colin show, it's like yeah, we had like a nurse, nurse's assistant, nurses aide. She got, you know, laid off in a small town and she can't find any positions because small towns just unfortunately it just is what it is. There's less opportunities even for medical which is a more recession resistant industry. Like if we do get you nursing, which by the way is not going to fix the Pokemon thing in general. But just. We'll get back to that. As I'm thinking about dumping, as I'm thinking about your income and your job being in this town of 650 people or whatever it is, are you're not going to try to be a nurse there?

[B]

Oh, no, there's nowhere to like medical.

[A]

Where are we going? Like, what are you going to a major metro? Where's your. Because you. If you're living as a sister, you say you can't afford. Right. You're certainly not going to live right in a larger metro.

[B]

No, I'm. I can stay there for free. But there's a town 30 minutes over that town.

[A]

But even is it a small town, still 100,000 people. So small town.

[B]

I mean, for probably like if you're out here. Yeah.

[A]

No, my. My town, Kalamazoo is a relatively small city and that was a metro of quarter million people. So if we're talking 100,000. Yeah. It's like you might not have the highest absolute perfect job opportunities demand possible.

[B]

Yeah. I mean, even in a better industry, like people. So, I mean, there'll be work. There's always work.

[A]

Well, that's not how it works, actually. There's not always work, but I hope there is. But even still. Okay, let's say you make a great nursing income. You're just gonna blow 75% of it on Pokemon again, which is just. It's gonna be thousands and thousands and thousands and thousands of more.

[B]

Yeah, I mean, that's all right. I just need to get to a point where I'm making a little bit more.

[A]

Do we care about then? Because you. What, you want me to sit here and just be like, yeah, it's chill. Just up your entire life for Pokemon? What are we trying to do?

[B]

Just trying to make like more of a budget where it makes more sense to where I'm able.

[A]

It doesn't. It doesn't make more sense to spend half of your income, which is basically what you spend right now on Pokemon. That. That'll never make sense. That. It will never make sense.

[B]

Yeah, but like, how do I get, like around that to where I'm able to like, afford that rent but still be able to spend this much on Pokemon?

[A]

That's what I just said. It won't make sense. It does not make sense.

[B]

Even with like a new job.

[A]

Well, okay, but no, even. Let's say you make a million dollars a month. Even if you spend 500, 000amonth, half your income on Pokemon, it's still egregious.

[B]

I mean, maybe to some people, but, you know, have you ripped the fact?

[A]

Huh?

[B]

Do you understand the thrill of ripping a peg?

[A]

Well, it's gambling.

[B]

It's not gambling.

[A]

It's gambling. Yes, it is. It is. It's the little Boo Boo unbox. It's no, it's.

[B]

Compare me to that thing right there. That little boo Boo's gross. This is.

[A]

It's the loot crate in an EA game.

[B]

No, Come on, just rip one with me. It's a great time.

[A]

Okay. It's not going to do anything for me. I mean, I do it.

[B]

Yeah. No, come on.

[A]

Again, I do not know what anything means on these cards. I appreciate.

[B]

I'll show you.

[A]

So this is five bucks. Bucks.

[B]

No, that one's a little bit more. Because this is a special set. It's 151. So it's all the original 150. No, no, no, no, no. That's the name of it. But it was about like 15 bucks a pack. Well, don't throw it like that. What if you get a good one?

[A]

Open it.

[B]

You just got. Yeah, there you go. Now you get like the top a little bit. Do you need help? It's right in your old age arthritic hands. It's a whole thing.

[A]

Are you 23?

[B]

Yeah.

[A]

I look that much older than you?

[B]

I don't know. I think we could be like twins. There you go. You got it. And then what you do is this little card in the back. No one cares about it. You throw it away basically.

[A]

In the back?

[B]

Yeah. The little one in the back.

[A]

Yes. 1. Why does no one care about this?

[B]

It's. I mean, sales item, dude.

[A]

There's so many in here, I wouldn't even know what anything is.

[B]

You're just ripping right through them.

[A]

All right, I recognize this thing. I've seen this thing before.

[B]

Yeah, What'd you get?

[A]

A larpus La pross.

[B]

Oh yeah, nailed that.

[A]

Got a pube monster.

[B]

You got a what?

[A]

Tingla.

[B]

Oh, that kind of looks like you.

[A]

Pube monster. I look like that. Oh, I know, I know. This little rock guy.

[B]

Yeah. Geodude.

[A]

Punchy rock.

[B]

Meowth. That cat with them long ass arms.

[A]

Ekans Purple. Yeah.

[B]

Geodude.

[A]

Geodude.

[B]

Yeah. See, you're having fun. You're loving it.

[A]

Well, I'm recognizing some things. Okay, well, this isn't a guy. It's a drop of water.

[B]

You see, Isn't that fun? Wasn't that fun?

[A]

I got nothing for it. Okay, I sell my pack. What do I get? Because I just spent 15 on that.

[B]

What do you mean? Now you have all these cool cards. Look, this one's.

[A]

No, no, no. What do I get?

[B]

What do you mean?

[A]

What's my return on investment? Because that's kind of what these are. If it's a collectible thing it still needs to be value in the end.

[B]

Yeah. You got probably like 50 cents here.

[A]

Really? Yeah.

[B]

Maybe if you really wanted to piece it up, actually. Yeah.

[A]

So spent 15, got 50 cents. That's why it's gambling. Because. Do you not see that, though? You. You must understand that.

[B]

It's not like. It's not like I'm putting like a hundred dollars down. I'm like, oh, let me spin a roulette table.

[A]

But that's what you are. This is roulette. No, on the cards, you're getting like, look, and I.

[B]

You got like this little guy here. Grimer, you got. You got.

[A]

Which does nothing for me. Do you keep every single card?

[B]

Yeah, I have like, huge, huge stacks of everything.

[A]

And your girlfriend likes this? She accepts this?

[B]

I don't know if she likes to be with you, but, yeah, she wants to be.

[A]

She doesn't find this embarrassing? No.

[B]

She has a horror own binder, too.

[A]

If I get you a town where things actually happen, will that make you not just blow your money in Pokemon? Because I assume there's just nothing else to do.

[B]

No, I mean, we have this to do. I buy all my budget.

[A]

That's what I'm. That's what I'm.

[B]

So we all, like, sit around. We do huge.

[A]

Wait, why can't they buy their own packs?

[B]

Oh, I'm. I'm just way better at finding these packs. I buy them for all. Me and my buddies will do, like, huge openings, kind of like what we just did. It's fun. We'll get, like, hundreds of cards and just open them together.

[A]

What did you guys, like, play a video game or a board game or trivia or go get a drink or go get a meal. That's better than this. That $15. I mean, that $15 gives me a decent amount of McDoubles.

[B]

Yeah, but imagine if you would have pulled like, a card like this. That was 150.

[A]

Colton's telling me you chased a distributor for Walmart who drops the cards. You follow her to Walmart's all over northwest Arkansas.

[B]

Actually, that was a mistypo. I was. When we were talking about that, the lady who does restock ours, someone did put a tracker on her car, so it's been harder to find Pokemon cards because she switched up her schedule. I was not the one following her. I don't break laws like that. That's a little. That's a little far.

[A]

Wait, what the is happening? Why. Why would they. Why did they do that?

[B]

So they would figure out, like, where the Restocks were happening. So they put, like, a whole tracker under her car. Followed her around every single store she went to.

[A]

Is this one of your people? One of your friends? Oh, you know this person?

[B]

I don't. I mean, everyone knows who the person is because he did get, like, actual charges for it. But no, it wasn't. I'm not going to ever go to jail. I don't think you go to jail for that. I think he just got, like, just like a misdemeanor for it. But no, I'm not. I don't condone going around stalking people.

[A]

Like that is literally stalking. Yes, okay, but like I said, if I got you a town where things happen with maybe better friends that do other things other than enabling gambling, because it is some is someone. I mean, come on, buddy. When you spend money on a random assortment, you don't know what's inside. That is a form of gambling. It just is.

[B]

But, like, I'm getting what I want. Like, I'm getting, like, these cool cards. Like this.

[A]

No, exactly. You're getting what you want. But even if it wasn't about getting money in the end, it's still unlocking, like, something again. It's like unlocking a skin pack in a game.

[B]

Yeah, that's not gambling.

[A]

Like, if I said I want to.

[B]

Play COD and I want a cool skin, that's not gambling. If I spend 20 bucks for a skin.

[A]

Well, no, you're buying that skin. You're not buying a specific card, like, on ebay. That would be different. But if you're opening a random pack, you don't what skin you're going to get. Yes, it's gamble.

[B]

No, you're still getting something. Like, look, we got.

[A]

No, but you're not getting that specific card. You're not getting that specific skin.

[B]

Oh, you can't. I mean, never. Nothing is, like, guaranteed in life. But I still got cards. Look at all the cards that we got. This is going to look great. Either in my binder or I'll throw them in.

[A]

Oh, look it.

[B]

We got a Magikarp. I love Magikarp. And what that one with that I put in my binder on my. I have a whole page dedicated to water Pokemon. So it's going to look great.

[A]

And you just, like, get home after a day of work and you just look at the pages in your binders. Sometimes.

[B]

Sometimes.

[A]

Is that, like, what there is to. Like, what is there to do?

[B]

I mean, you.

[A]

Could you guys actually play?

[B]

Oh, I mean, does anyone play Pokemon? So that's what these code cards are for. Like you can play like the online version. I'll play that. But I don't. I don't want to like do the actual physical because it damages the cards.

[A]

What are we doing? What the. So, I mean, I need to know for the future of this conversation, if I'm being honest. What do you care about more Pokemon? Living an independent life? Going to nursing school.

[B]

Yeah, I want all three of those.

[A]

No, no, no. We're going to have to start picking some priorities and being an adult.

[B]

I mean, yeah, like, I just want to be able to figure out how to afford like that rent and stuff like that. But I still want my fun money like this.

[A]

No, I get it. And we can get to a point of fun money. It's sacrifice to pay off all this, which. Oh my, there's a lot, by the way. And having an emergency fund so that we're protected from risk. And then yes, we can allocate a large percentage of money to fun. And if you have a better paying job through a nursing degree at some point, it'll be a large amount of money that you can spend towards fun. But it is sacrificed in order to get there, which means less if not no fun now because your funds don't really stretch right now.

[B]

So, like no Pokemon cards.

[A]

I don't know for sure, but I.

[B]

Need to because I don't know if I can do that.

[A]

I don't know for sure. One that's honestly like a gambling thing where you're right. I don't know if you can't do that because you're probably addicted to the thrill you're chasing this. You really are. I don't think you're willing to recognize that at this point. Think your friends or girlfriend is either. Maybe I should call her in the post show. We'll see. But either way, you're going to have to take those things and prioritize. I'm not saying you don't want to do Pokemon because you put it at two or three, but you're going to have to choose as an adult where to place these on a priority list. Gotcha.

[B]

Well, I mean, yeah, I mean, I. Nursing or Pokemon?

[A]

Yes, nursing or Pokemon.

[B]

Dude, that's a hard one because I love my Pokemon cards.

[A]

I know, but. Okay. Girlfriend or Pokemon?

[B]

Oh, I mean, that's easy. You got to go with the girlfriend. She's. She's been there since the beginning, so nine months ago. Yeah. That's the beginning.

[A]

Beginning of what?

[B]

Our relationship.

[A]

Well, yeah. No, I mean, I would rather you pick your girlfriend too. I'm not arguing that point. I mean that makes sense. But. Well, Colton's telling me you want to be the provider for the girlfriend. I guess you're a very traditional, traditional man. I guess your normal work day is work, gym, Pokemon Bible, and you want to be the provider for your woman. How the is that even possible? How the is it even possible? 50 of your income goes to Pokemon?

[B]

I mean, because we're doing it together. I mean, so.

[A]

No, I know, but if you want to be her provider, that's just not going to be. She's not going to be able to be a stay at home wife. She's not going to be able to be a mother of a child that you can't afford. If everything's going to Pokemon, you're at least objectively through your behavior and the choices you're making on a daily basis choosing Pokemon over both of them or over over her in whatever future you're trying to create.

[B]

I mean, yeah, but like that's why I'm like here to try to get that to where it's like, all right, I agree.

[A]

But I might have to tell you, you can't have as much Pokemon. That's just reality. And whether or not you're able to actually do that is what I'm hyper skeptical about. Before we go into these actual numbers, 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 center release program so your mom and dad can step off the hook. Y 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 out at why refi.com/hammer that is y r e f y.com/hammer or call 880-897-33978 that is triple 897-33978. Break free from the high interest trap and get your finances under control once and for all. Let's talk about credit scores for a second because this is one of the fastest ways possible. People are ruining their financial lives even realizing it. If your credit cards are maxed out and your score is in the dumpster, it's not just the interest that's killing you. It is your credit utilization, which makes up 30% of your credit score. Super.com's credit building program actually tackles that problem in a way most people don't understand. With Super plus, you get access to the Super.com card which gives you a $5,000 credit line utilization boost. And no, this isn't a loan and it's not money you can blow. That $5,000 gets reported to the credit bureaus as unused, which can dramatically lower your utilization. Ra if your cards are maxed out, that alone can help your score move faster than it ever has before. There's no credit check to apply. 0% APR and every on time payment gets reported to all three major credit bureaus. You can even report your rent payments up to two years back, which matters because payment history is another 35% of your score. This isn't magic. You still have to stop making dumb decisions. But if your credit score is holding you back and you actually want to fix it, this is a real tool, not a gimmick. Check out super.com@the link in the description below and see how super plus can help you start building your credit the right way.

[B]

I mean maybe I could cut like a few packs, but I mean, but what we're opening, I mean like there's new sets coming out every two years.

[A]

I know, cuz again it is. Cuz that's what happens, buddy. That's what happens with any of these packs. These packs where you get a random assortment of things. It's always has to come up with new stuff. It's. It's like fast fashion but for gambling. They has to. That's their business model. Yeah, that's not an excuse for you to do it.

[B]

But how am I not supposed to open like the new set. It's a brand new set. You have to get it.

[A]

See, I don't know how to deal with that. I don't know how to deal with that. If that's how you want to live your life, good. Go do it. Live with your sister forever. Never be this man that takes care of the house and stay at home wife. Fine. That's your choice. That's your choice. And if you're a very traditional and biblical guy. I. I have to feel like if you really can't stop this, this goes probably against many teachings in there. Gambling. I don't think they're in favor of gambling in the. In the good book. And this is.

[B]

I mean, this, if you think of it, gambling.

[A]

You have to chase the new packs, buddy.

[B]

Yeah. I mean, it's the brand.

[A]

Come on. Your guys's community is so intense that they put a tracker under her and northwest Arkansas's car.

[B]

Yeah, I mean. I mean, yeah, we're all just trying to get some packs, trying to rip it all. I mean, that's why. That's why me and my buddies are doing it. That's why we're always opening together.

[A]

Yeah, but you told Colton specifically that you feel sad when you're missing out on a good set of cards. Oh, yeah. 100. You actively feel that in your body? Oh, yeah. You have an addiction.

[B]

I wouldn't go that far.

[A]

Yes, it does. I'm not. Meaning you're sitting there smoking. That might not be on that level, but it's like me and fast food. It is like. Yes, there is actually something there. Your body is reacting when you cannot do it.

[B]

I mean, yeah, but, like, oh, my. Dude. I mean, you. I mean, you open this. You can't tell me that you're not already itching to open more packs. Come on.

[A]

No, because it literally meant nothing to me. I don't know what I was reading. I don't know what is happening. I really.

[B]

I mean, it's.

[A]

No, I. Trust me, I like my collectible things. I buy tech I do not need. I buy because it is fun. You know, shiny new Apple product. I don't need it.

[B]

Like, a shiny new card.

[A]

Like, this is, like, the best iPad from the last generation. I'm itching to buy the new one. I never use this thing outside of financial.

[B]

I use mine.

[A]

I hate you.

[B]

I trade with mine. I look at mine. We. We do a whole bunch of stuff with them. They sit on my shelf all nice and pretty. I have, like, my, like, prize.

[A]

How are you getting late. Show me the picture of this woman.

[B]

She wants to see a picture of her.

[A]

Yes, I need to. She has to be the most disgusting creature ever hatched out of.

[B]

I'm not dating you. She is. She is amazing. Fantastic. 10 out of 10.

[A]

Well, show me more. Show me more, because.

[B]

Show you more.

[A]

Because she actually might fortunately somehow be attractive.

[B]

Oh, do you want. I was just in the Nutcracker Instagram.

[A]

Dude.

[B]

We were in the Nutcracker together. Look at. Look how pretty we are.

[A]

Yeah. Just show me her Instagram so I can just see what a normal. What she looks like on a normal basis.

[B]

I can see your Instagram.

[A]

Why?

[B]

I want you to follow her.

[A]

I'm not going to. Why would I follow her?

[B]

I'll keep that over there.

[A]

Well, she is a solid six and a half to a seven out of ten. I. I'm surprised I wasn't showing you.

[B]

The rear facing camera. I was showing you my. My. My girl. Huh? The rear facing camera. That's a 6 out of 10 if I'm showing you that.

[A]

But Arkansas is a really developed state with their. The people, they're. Hey, creating, aren't they?

[B]

Me and the 83 people in my town, we're doing great.

[A]

Well, she. She does look nerdy. So I guess I at least understand this. At least understand this is why she's accepting the fact that when she comes over to your sister's place where her boyfriend lives, who wants to be a traditional male, who takes care of her good, the fuck has Pokemon cards everywhere instead of actually improving his life in any way whatsoever. I'm a little surprised she's accepting that, but she does seem very nerdy. So.

[B]

I mean, we love him. She loves everything about him. We owe everything. So.

[A]

So how do you manage right now? Just right now, I want a little insight into how you do your finances. How are you managing?

[B]

Do you budget?

[A]

Is there anything.

[B]

It's all up here. Really.

[A]

I may not have a brain, gentlemen, but I have an idea.

[B]

So just kind of like everything that I spend, it just kind of comes out of there. I try to keep track of, like, my spending. I mean, sometimes it's harder. But what.

[A]

How are you keeping track?

[B]

Just like anything that I got by, like. Oh, like mentally, like, okay, 200. So I should.

[A]

So you're stacking up the numbers on a daily basis in your brain on a reoccurring toll? Yeah, it gets a reset on the 1st of every month in your brain.

[B]

Yeah. Try to keep money aside for, like, I mean, I got to pay my car. Like, how many. How am I going to get Pokemon cards if I don't have a car? You know what I mean? So got to make sure that that's paid. Got to make sure that. Yeah. So just kind of keeping track of it all up here. I mean, it's working pretty well so far.

[A]

How much debt do you have up there? Should tell you, right?

[B]

Oh, how much debt? Total, including, like, student loans.

[A]

Student. That is a death.

[B]

Probably about, like, 30, 40,000 somewhere.

[A]

Okay, 56. 352.9. So clearly that is not working. Listen, your total incoming, including some ebay, so maybe you did sell something, I don't know. But $4,116, what was your total outflow?

[B]

For what?

[A]

Last month? For last, Your total inflow was 4,116.88. $502.27. So that was ebay. The rest was payroll. What was your total outflow? It's up here.

[B]

Probably around here. Three grand.

[A]

Okay, so is up here filled with.

[B]

No, not at all. I mean, I gotta be close.

[A]

It was literally 17.997.18.

[B]

I must have. I don't know. That's not perfect system, but I mean it works for the most part.

[A]

Dude, come on. Not a perfect system. Dude, come on. You. You can't say that. It. It's like times. It's almost like times. Four times, three times.

[B]

What do you want me to write every little thing that I purchased?

[A]

No, you don't even need to do that. Just any budget nap. Of course I'd recommend dollar wise, but any budgeting app would tell you that you don't use a up here system. That's not okay. Objectively, it is not working. You didn't know how much debt you'd have. You didn't know how much went out. Objectively, it's not working. So it's no longer an option.

[B]

That was close. I was only like what, 1300 off. That's not hor. About 650 a week right now? Just about.

[A]

No, no, wait.

[B]

1300, 2300. I don't remember what the number was. Think of 2300.

[A]

No, no, see up. Up here is not working, buddy.

[B]

It's.

[A]

It's 18,000. You said 3,000. Up here is objectively not working. Up here is broken. And I think I'm starting to pick up on that a little bit. I think. I don't know if. Are you from small town Illinois?

[B]

You're from Chicago, I'm from Subchicago. I did pretty good in math.

[A]

Just something's wrong here, buddy. In this conversation.

[B]

No, I mean, I was close. It's not too far off. It's working so far.

[A]

Okay, then what do you think your financial score is? 0 to 10. 0 being horrible, 10 being incredible. The best of the best.

[B]

I would say about probably around seven, right? Not too bad.

[A]

You don't actually think that there's no way.

[B]

Yeah, I mean.

[A]

Okay, explain it to me. I. A part of me Just doesn't believe you. But just say it to me.

[B]

I mean, I don't have, like, anything in, like, collections or nothing has been foreclosed on. Yes. I think I'm doing pretty good as a whole.

[A]

So. Okay. If you're not literally the worst of the worst of the worst, that means you're three under the best. A three under the best, which would be a seven.

[B]

I'll give you a 6.5. That's lowest. I'll go, dude.

[A]

Okay, well, I don't know. All right, well, get your hammer. Financial [e-mail] it is a free assessment to see where you stand, where you're doing poorly, where you're doing great. Take that assessment. Just takes a few minutes. Again, calebhammer.com, if you don't want to be, like, a guest who ends up on the show, you can't do it up here. Use the dollar wise budgeting app. Dollarwise app. There's a free trial to see if you like it. It's great. New features being added every single month. It's absolutely awesome. Tens of thousands of people use it on a monthly basis for a reason. And when you sign up for the annual version, to save a lot of money, I will personally sign up my budget friendly cookbook and mail it directly to your house. Dollar wise, that app. Both of those links are in the description below. Let's jump in because there. This is a big stack of paperwork, my guy. This is a big stack. How'd you get here?

[B]

For which card? What were we looking for?

[A]

Oh, I guess I'll start with the Apple card then.

[B]

Oh, that's my Pokemon card. Everything.

[A]

Do you have a Pokemon card?

[B]

Because all my Pokemon purchases are on that card. Card. That's how I keep track of them. They're all on that card. Everything. That's Pokemon wise. Tap, swipe, face ID.

[A]

You have a balance on your Pokemon card of $5,350 and 51 cents.

[B]

Yeah.

[A]

What the are we doing?

[B]

Where's buying without? This was what? Oh, this Last month the new set came out. Yeah.

[A]

How often does the new set come out?

[B]

Like, every two months. But they're usually, like, staggered so that when a new set came out, I had to go big. I was able to hit the Walmarts online and in store. Target online and store.

[A]

How much time and effort are you putting towards this when a drop happens?

[B]

Not much.

[A]

This is an actual, like, obsession Ron drop day.

[B]

Probably only like nine hours. Nothing too bad.

[A]

See a part of me. Nine hours.

[B]

Yeah, I dropped it Dude, a part.

[A]

Of me, I. I listen to this and I'm like, this guy's ridiculous. There's. But I've met so many ridiculous people four times a week for three and a half years now that it's just like you, this creature, this Pokemon type of creature, this Pokemon hunter who's willing to have a Pokemon card. Credit card actually exists out here. And it's just like, I have a hard time believing it, but it's literally right here. It's in front of me.

[B]

Yeah, I mean, I did. You had to go big for that set.

[A]

Nine hours.

[B]

Yeah. That was just on one day, though.

[A]

I know. One day every month or two.

[B]

Then it's like, I don't know. It takes you like 10 seconds to check out online. Nothing.

[A]

I know, but 900 is just collecting. You spent $800 yesterday before your call with Colton. Spent $800 yesterday on Pokemon cards.

[B]

Yeah.

[A]

Because you were bored. It was quote, because I'm bored from you.

[B]

Oh, yeah. Dude.

[A]

What the. See, that's why I need to get you out of that ass town, so you can have a place where things happen. So you're not just sitting there blowing everything on money because you.

[B]

Dude, dude. It was the new Charizard on the box.

[A]

In Austin. A town where things actually happen. He spent 650. Why didn't you go out, buddy? How long does this take to pay off if you don't purchase on it what you're incapable of? Because Pokemon's endlessly having more Pokemon and you only make your minimum payment switch if you do. I'm honestly impressed, but go ahead. How long does this take to pay.

[B]

Off for that balance for minimum monthly payment?

[A]

No purchases. Yes. I don't know.

[B]

Probably like two years.

[A]

20 years? 22. You'll be 43. You'll be 43. Wait, how is this possible? I'm being given a note that you have spent on your top.

[B]

I was afraid this was going to come up again.

[A]

And this is where it's like, I. I'm with you right now. I'm looking at this guy. There's a few people are like, how is this guy? How is this real? This isn't. This can't be real. I am with you having this conversation. But then we have it on paper. You spent in your highest spending month for Pokemon, $26,000 in a singular. That was a good month, big guy. You bring in 28, 17.

[B]

That was a good.

[A]

You spent 10 times your income in one month on Pokemon alone.

[B]

Dude. That was a good month.

[A]

And you can only sell your entire collection for a couple thousand bucks.

[B]

Yeah, I mean you don't get the hit card every single time, but now. That was a good month. It was. I forgot what set came out. When was this? This was like.

[A]

When was this possible?

[B]

Two or three sets ago. So I hit everything I was able.

[A]

What month was this? When did you spend this? How were you even able to spend 26,000? I have $30,000 in credit card debt.

[B]

I had online drops. So like Walmart, you're able to get like 12 quantity online. So I was just hitting that.

[A]

No, no. How are you actually able to charge 26, $6,000?

[B]

I have a great. I have a great credit limit. I think one card has like almost like 14 000. I have another car that has. That has really like it says no.

[A]

Add up with your income. Your income doesn't add up.

[B]

Yeah, I mean, I buy to be.

[A]

Able to pay this off. Are you hourly because you did bring in more money last month. About 800 more. Yeah, than you said. Okay, so it ranges for the most part.

[B]

Kind of. No, I mean, mainly I'm working my 40 hours. I mean, there's some weeks where you get a little bit of overtime.

[A]

You brought in an extra 800 last month. Either way, that doesn't make up for 26 000. That's. I've never heard of something like that. Yeah, I mean, I've never heard of something like that. That is the first time in the history of this show 26, 000 on Pokemon in a singular month when you make 2800amonth. What the are we talking about?

[B]

Dude, you should have seen my car after that. It was stacked to the.

[A]

So it was at a single trip?

[B]

No, I mean it was multiple Walmarts. Yeah.

[A]

What was happening that month for. For you to go that far down the rabbit hole? Because that is literally like a true gambling addict going to the casino and blowing, well, 10 months of income because.

[B]

I was just able to find it.

[A]

What was so different about that month compared to this?

[B]

Dude, it was. It was a cool set.

[A]

Okay, how much did he spend last month? I didn't know. I think earlier it was like $4,000 is actually what he spends on average on a monthly basis on Pokemon, which is insane. Insane. I've never heard of anything like that. Insane. I mean, that is more. That is literally more than you bring in. So I did not know how that's possible, but I guess it explains why the stack is so big. But what was so different that month?

[B]

I Was just able to find a lot more product. It was a cool set.

[A]

Searching harder.

[B]

Yeah, honestly, I spent.

[A]

This is gonna be like a research piece, ladies and gentlemen, because I don't know if you can stop this.

[B]

Probably every. Every week was probably spending like close to 12 to 14 hours out just looking for product. All the different stores. You have Walmart, Best Buy, you got Sam's Club, you got Costco. You have all of it.

[A]

So when and if I have kids, I will never let them near these type of collectibles.

[B]

You can just call me. I can drop some off for them.

[A]

No, because that's the thing is I don't want them to get the. When did you start getting into Pokemon?

[B]

I've been to Pokemon since I was a kid. I still have my original binder.

[A]

You've got that hype. You got that hype when you were young and impressionable. And gosh, not to use tick tock language because they used it at 24 like infantilized morons. But when your brain was actually developing in the most crucial stages as a kid, this is what was impressioning onto you.

[B]

Yeah. Dude, look how sick these. Come on, look at how sick these are. You got Scyther. Look at this one. Shiny.

[A]

You're gonna do this again where that. None of this means anything.

[B]

But it would if you open more. I can drop more packs off at your office for you if that's what you really want.

[A]

I don't want you to spend more money. I really don't.

[B]

It's all right. I can give you a few more of my packs.

[A]

Nothing's crazy, but the fact that those are $15 packs.

[B]

Yeah, I mean, insanity.

[A]

And there was nothing special in there, right? Compared to your normal packs.

[B]

I mean, they're all special, dude.

[A]

It's their original unique something. What did he say? There's, There's. It's. You have to. That are harder to find anything out.

[B]

Of these ones specifically. Yeah, not really. But I mean they're 15 bucks.

[A]

You'd find these in the normal 5$.

[B]

I mean, technically it was 30 because it was two packs.

[A]

I know, but you'd find these in the normal packs, right?

[B]

I mean, yeah, but I mean, I like them. They're all gonna go good in my binder. I mean, maybe if I'm trying to master set them, there's probably some cards in here I might need. But if I'm not, then they'll go in my bulk and I'll be looking whenever I want.

[A]

My mind's actually blown. Like I. I Just really don't know. I really don't know. I. This is insane. Okay, so on the Apple card, which is the Pokemon credit card, I guess $5,350.51 with a minimum payment of $145, no purchasing, minimum payments only. Still takes 20 years to pay off. So when I see Walmart, that's not groceries, that's Pokemon.

[B]

I mean there's probably some groceries in there. Cause I like to use like Walmart plus to order my groceries. But majority of it will probably be Pokemon. Anything that's over like 50 bucks will probably be Pokemon.

[A]

So anything under 50 is probably groceries or anything over 50 is Pokemon.

[B]

Yeah, probably. I get myself about like Pokemon. 200 bucks.

[A]

Pokemon, Pokemon, Pokemon, Pokemon, Pokemon. Going in a gas station getting some bullshit. What are you getting for like six bucks at a gas station?

[B]

Say probably a Red Bull.

[A]

You're okay.

[B]

Maybe two for that day. Who knows?

[A]

Dude, just listen at least is a simple start. Make your energy drinks at home gamer subs. Trust me, everyone in the audience has been commenting now now that they've actually tried them, it's literally.

[B]

Is this you on the pack?

[A]

Yeah. Yep, that's me. Hahaha. That is literally better than like any other energy drink. Even when we did a blind taste test that showed it. So just make your energy drink at home. It's like 35 cents a servings. Link in the description below where you get a discount, where you can get the free samples and see what flavors you like before you order the the. The bulk sets. But make your energy drinks at home gamer subs. It's seriously really good. No more stopping in Casey's and getting Red Bulls. This is not an option. Make it at home for 35 cents.

[B]

Do you see any of my charges on there?

[A]

Huh?

[B]

My whatnot charges? Do you know what that is? It's probably where you got your labu.

[A]

I didn't see it. The Lububu I think was. Oh no, I did get it for a stream once.

[B]

Yeah, no, I got my whatnot charges.

[A]

I don't see what not. Oh it's dude, but what is it for?

[B]

You got to get on what not dude, so you can go on.

[A]

There's a whatnot on the next page. What's the whatnot?

[B]

You can go on there, dude. It is great. You can have people rip packs for you online, dude. So you go. You bid on them.

[A]

Isn't the whole fun that you rip packs?

[B]

Yeah, but sometimes you can't. Like sometimes. What if I don't like have that Specific pack and I want to rip it. Then you go on whatnot. You find someone who's selling, he'll mail you the cards, only the hits. So, like, any of, like this, he'll what? Won't mail you.

[A]

But why? I don't know. Just. You said every card was special, though.

[B]

Yeah, but for them, it just costs shipping and all that, so unless you get it hit, they just are like, all right, we'll keep your bulk. And that's kind of what you agree to whenever you pay for it, you know?

[A]

What does that cost? What? Not how much. Well, I can tell you. Okay, what did you get for this whatnot? Charge of where to go. I. I saw whatnot. Oh, did I not? Maybe I did.

[B]

I swear. I mean, sometimes you get ones, or it's like, oh, I'm buying this pack for like, 20 bucks a pack. Or sometimes you can do like a rip till you hit type thing and you bid against other people. So if, like, I've spent like 70 bucks before on, like, a rip till you hit, and then, like, they'll just end up.

[A]

Okay. What? Not here. 196.

[B]

196. Oh, yeah. So that one was probably, like a rip till you hit of, like, one of the newer sets. So he just ripped probably, like a bunch of packs for me until I hit something good.

[A]

Buddy. That's insane. And you. You're telling me this is not gambling? No, after that.

[B]

I mean, that's not gambling. It's not like, I'm like, the Bible.

[A]

Has to be against this.

[B]

I mean, if you consider it like, gambling, sure. But, I mean, I don't. It's just fun. It's fun.

[A]

I don't know who to consult. I don't have, like, a pastor on speed dial.

[B]

I mean, I don't consider it gambling.

[A]

It's not.

[B]

I mean, I. I know what I'm paying for. I'm paying for cards. Gambling is like a risk. Like, oh, I'm putting $10 in. I can maybe get 20. But like, no, that's why I'm like, oh, I'm paying 20 bucks. I know that I'm. I'm getting cards.

[C]

You came for the finances, but what if you could have more? Welcome to Hammer Elite. YouTube's number one membership. Get even more exclusive members.

[A]

Audits your time 100%. But juicy post shows you were doing this behind his back. One of them.

[B]

I've actually never seen this photo.

[C]

Spicy audit breakdown.

[A]

We still don't film with people like that. Like, he is a next level audit updates.

[B]

I'm seeing a therapist now personally are.

[C]

Romantically or both behind the scenes moments.

[A]

Okay. Okay.

[C]

And budget buddy surprises. And for this month only, you can get all of this for free. Join with the link in the pinned comment or description below. Submit proof of [e-mail] and we will reimburse you for your first month with a $10 digital gift card that can be spent anywhere in most countries. You have no idea what you're in for.

[A]

You know what your savings account at a traditional bank is doing for you? Absolutely nothing. It's basically a storage unit with worse rent. That is why I partner with Chime, who is offering up to a $350 bonus right now. Their high yield savings account earns up to 3.5% APY, which is over eight times the national average. Let me make this real $10,000 in your old regular savings account. Maybe just 40 bucks in interest a year. With Chime, you're looking at around $350. That is a weekend trip or like six tanks of gas. And there's no monthly fees, no minimum balance fees. And you can access your money whenever. Which, which is great because I'm using mine to build an emergency fund and I'd rather not have to solve a riddle to touch it. It just takes a few minutes to sign up. And with automatic savings tools like roundups and direct deposit splits, it's like a set it and forget it money move. Oh, and Chime lets you get your paycheck up to two days early. So your bank's dragging its feet, but Chime has already moved on. But the best part right now, you can get up to $350 with a new Chime account when you sign [e-mail] Caleb, the new year is right around the corner, so get it done before then. You can scan the QR code on screen or go to the link below or Chime do. Caleb, let's get to the show.

[B]

It's not like I'm all, let me buy this pack. And I could. Out of this pack there's a $100 bill.

[A]

Pokemon, some Red Bulls again, gamer substitute, 35 cents a serving or whatever it is. It's right around there. Make it at home. Just like coffee. Starbucks, make your coffee at home.

[B]

I actually. Well, I do make my coffee at home. I love my coffee beans. I'd be spending.

[A]

Why the are you spending money at Starbucks? The worst coffee there ever is.

[B]

Well, what day was it and never was?

[A]

I don't. I don't care.

[B]

That's probably a Day where I was out searching for Pokemon.

[A]

I mean there's Die, Die.

[B]

There's Starbucks and Target.

[A]

Apple Bill, Starbucks, Pokemon, Apple Bill, Red Bulls, Apple. What are these Apple bills, like 961? You're like Apple paying or something?

[B]

Probably Apple Bill.

[A]

Yeah, it just. It just comes up as well.

[B]

Honestly, Whatnot started taking Apple Pay. So you could just Apple Pay on there now.

[A]

I don't think this is the audience. I'm just going to let you know, I don't think this is fixable. He's obviously way too deep into this. This is going to be. This is like. This is like a. A research into the mind of a Pokemon literal addict at this point. Just send this to anyone who might be getting into cards. And then here's the example. Okay, so Whatnot, Red Bull, Whatnot, Pokemon, Pokemon, Starbucks. Again. Yeah, that's probably Monday the Poke Gang.

[B]

Oh yeah, that's the Discord I'm in. So you can like $36. Yeah, so you can pay to like be part of a discord and they'll like send you links to like, oh, hey, this just dropped at this time. Like then you go and you can click the link.

[A]

So you're too deep. You're too deep again. If anyone thought this is not a real conversation. They're purchases that happened on paper.

[B]

So should I not be paying them or what? I mean like the Discord. Yeah, I mean, of course not, but they.

[A]

But I don't think that changes anything for you. I really don't. So it's just like there's no point in me saying that. Going in and getting some bullshit uber one, getting some Red Bulls. UberEats for 20 bucks. Great. Pokey Notify.

[B]

Oh, that's a different group I'm in. They send quicker links than the other one. So why pay for the Cuz like the one. The one group they said like pretty quick, but the other one is like a good like community there. I've been in there for like a few months and like I know a lot of people in there. So it's just nice to have like a good community like that. This is why I didn't want to hand you this card earlier.

[A]

You spend $9 on that. Reoccurring, of course. Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Pokemon.

[B]

I mean, I wasn't lying. It's my Pokemon.

[A]

What? Not Spotify.

[B]

Oh yeah.

[A]

Insurance. $8 insurance. Is it for your collection?

[B]

I don't know. You actually can't get your collection insured by most major insurance agencies. Found out the hard way. What they. They didn't. Like, I've been denied by like 4 to protect my collection, actually.

[A]

Yeah, yeah, buddy. You said it's only worth four.

[B]

I didn't say that. My whole collection.

[A]

Sell it.

[B]

Well, yeah, if you take the percentage. But like my whole. Yeah.

[A]

Isn't that what it's worth then? Yeah.

[B]

I mean, if I individually sold each card to someone different, then I'd get full price, right?

[A]

Full price.

[B]

What would you get with my sealed collection too? Probably about like 9, 10 grand.

[A]

You still spent 26 just a few months ago. In one month on this? It's thousands. $2,827 on Pokemon on this card last month.

[B]

Yeah, it's a Pokemon card.

[A]

You are a horrendous creature.

[B]

I wouldn't go that far.

[A]

Red Bulls, Pokemon, Starbucks, whatnot. Ebay. Pokemon, I assume the Pokemon company for $308.

[B]

Yeah, I mean, dude, they released like special etv's through the Pokemon etv. So it's like a really.

[A]

I'm just warning at this point.

[B]

It's a, like a cool box. It's elite trainer box. So it comes with like nine packs. Comes with like a specialized card. There's like a special stamp on it. So.

[A]

Oh. Oh, this company is genius. Oh, it just milks people. Morons. People who can't control themselves and have that itch and literally have bodily reactions when they don't purchase.

[B]

Oh, yeah, I missed the drop the other day. I was actually kind of upset about it.

[A]

Yes, I bet.

[B]

Dude, it's for the new set that's coming out.

[A]

It's coming out. It's not even out.

[B]

And you can. Yeah, that's a pre order charge.

[A]

Oh, big guy. Oh, you're done. You're done. What's Boulevard Blvd?

[B]

How much was it for?

[A]

41.20.

[B]

No clue.

[A]

Pokemon play or PLT. Pay web. 2254.

[B]

Oh, I know what that is. What? It's for. Poke coins for Pokemon Go. Dude, I'm deep into Pokemon. Come on. Yeah, you got to get the Pokemon coins. Dude. How do you expect me to do Remote Rage without Pokemon coins? You can't.

[A]

I don't even know what to say right now. Monman store? I don't know, man. In store. 4140. It's a ton of money for your income. Klarna. Are you karning Pokemons?

[B]

No, I had to buy.

[A]

So you're paying a Clara payment on your credit card. So you're paying debt with a debt?

[B]

Yeah, probably.

[A]

Jesus. Best Buy Pokemon $72?

[B]

Yeah. That's the only reason people go to a Best Buy anymore is for Pokemon.

[A]

Another insurance payment of $22. Who even knows for this one? Microsoft Ultimate Pokemon Whatnot. Through Apple Pokemon Uber eats again. Drip Shop Live.

[B]

So, like, think of whatnot, but like the ghetto version. That's Drip.

[A]

How can there be a ghetto version? What is it even like?

[B]

Their app's just uglier.

[A]

Why use it?

[B]

I mean, because you can get Pokemon cards on there.

[A]

Are your Uber Eats Pokemon cards?

[B]

No. That'd be sick. If I could sit at home and just have someone do the shopping for me. Probably not. Really.

[A]

I actually. No, you can't. No, you definitely cannot. Please. No, no.

[B]

Uber used to just hungry.

[A]

What? Not through Apple and energy drinks.

[B]

Yep.

[A]

Okay. Interest is accruing at about 100 bucks a month just for you to sit here and keep going crazy on poke. I don't even. This is mind blowing. Like, I. I'm not even able to like, freak out like I normally would. Like, my body doesn't have that ability right now because I'm honestly just mind blown. Give me your phone. Open your phone and give it to me now.

[B]

What do you want my phone?

[A]

Open your phone and give it to me now.

[B]

Here you go, sir. You gonna smash that like the paper.

[A]

Oh, we got a verse of the day. Please tell me it has something to do with gambling. Through every kind. Through every kind of prayer and supplication. I think I know supplication. Pray at all times the spirit and so be vigilant with every kind of. Of. Of earnest supplication for all the same. What the Is a supplication? I was hoping I had to do something with. I hope. I was hoping I could weaponize it against you. You. But it just told you to pray more.

[B]

Hey, all of us could use that a little bit more.

[A]

Oh, you more than most, that's for sure. Cuz you're a literal addict.

[B]

Not want to go that far.

[A]

Yeah, you. No, no, no. You are. You just are. No iCloud. Plus, that's fine. Collector TCG Collector app for $7.99 a month. What is.

[B]

Oh, that's where I track, like, all of, like, my Pokemon cards. But you got to pay a monthly fee to be able to put them all in there.

[A]

What are we doing?

[B]

If you pay the monthly fee, you can actually, like, scan the card you used to.

[A]

It just. It stopped just recently. But you played for. You paid for flight radar.

[B]

Yeah, I love tracking places.

[A]

And a Bible chat.

[B]

Which one?

[A]

Bible chat. Haven.

[B]

Oh, yeah, the Haven app. It's a great app.

[A]

It's a chat.

[B]

No, it's. I don't know why it comes up as chat. Oh, I know Haven. Oh, yeah. No, that's like. I don't know. That was some weird. Like, they tried to do ChatGPT meets the Bible, and it was just like, no, Okay. I don't like AI.

[A]

Okay, good. Let's open it because again, this is for you.

[B]

Am I still ban on it?

[A]

Login, big guy. Login. I gotta go down to your language if we're gonna solve this in any way. Yeah, login probably don't have to pay for it just to use it.

[B]

It'll like, be like, go through, like the whole thing again.

[A]

Yeah, yeah, yeah, yeah. Go through it. Then go zoom, zoom, zoom, zoom, zoom. Easy, easy. Go, go zoom. While you do, I'll take down this. We got American Airlines advantage card. Keep filling it out.

[B]

I. Dude, it's just.

[A]

Keep going.

[B]

I'm trying. It's trying to tell me it's whole Life.

[A]

Keep going. $2,294.47 on here. $40.56 is your minimum depayment. It takes 13 years to pay off. Interest is accruing. You purchase 660 48. Even though you only made the minimum payment. So we're all making purchases on a car that we can't afford to pay off. That is accruing.

[B]

Yeah, my car broke down.

[A]

Which is why you went to Chipotle.

[B]

Well, I mean, I'm talking about the 660.

[A]

Yeah, but I'm talking about Chipotle.

[B]

Well, I mean, yeah, I love Chipotle.

[A]

There's also the fact that you've had late fees like crazy this year. Is it done yet?

[B]

No, it's asking me like 20 questions.

[A]

Answer. What's 187.75 the biggest challenge you're dealing.

[B]

With in life right now? Caleb.

[A]

No, give that to me. Give that to me. Now you. That's.

[B]

What do you mean? That's my biggest challenge?

[A]

Currently I spend at minimum 50 of my income on Pokemon cards. And even though I only bring in about 3,000 hours a month, earlier this year, I spent $28,000 in one month on Pokemon cards alone and usually spend $4,000 a month.

[B]

Did I get all that? Yes.

[A]

Keep going.

[B]

It's still asking.

[A]

So I guess this is also a date night card, huh?

[B]

Yeah, it is. That's usually where.

[A]

I'm just blowing a ton of money endlessly. There's just interest in fees, date Night.

[B]

Coffee bean, things like that.

[A]

Beans you should be able to cash. You live with your sister? Does she charge rent? No. Okay. You degenerate. You stupid piece of. Sorry. I don't know. Buy the beans.

[B]

Yeah, no, I am. That's why they're on the card.

[A]

On the card. Buy it with.

[B]

I don't have a debit card.

[A]

You don't have a debit card?

[B]

I don't. I mean, like, it's somewhere, but I. If you look at, like, my bank statement. I haven't used my debit card in years.

[A]

Another first. Oh, my gosh, big guy. I'll let you use the fizz card. It's a debit card that builds credit. And if nursing doesn't work out, I'll get you a course career certification as well. For free. You can take whatever one you want. You can go into tech, you can go into the trades with those. A lot of people in the audience use them to increase their income. So I'll hook you up with those. But not using a debit card is wild work. Is it ready?

[B]

It's just analyzing your response. It's not. You gave it too much.

[A]

Well, because you're a degenerate piece of shit. Hopefully the Bible app tells you that itself.

[B]

Yeah, it just wanted me to pay right away.

[A]

Give it to me. Give it to me. Now.

[B]

You're gonna make me pay.

[A]

No, let me.

[B]

Music.

[A]

We're not getting copyright, all right?

[B]

That's why I turned my volume down. Why'd you throw at me? Oh, it was only 27.

[A]

You're gonna take trial and cancel it. It. Cancel it. Cancel it right when we're done.

[B]

We'll see if I remember that.

[A]

No, right when we're done. I'll remember it.

[B]

You.

[A]

You cunt.

[B]

We'll see. Maybe I'll start using it. Maybe I'll like it more. Hey, hey, hey, hey. Dude, it's loading. What do you want me to do? Are you enjoying Haven so far? That's mean.

[A]

It's a rough app.

[B]

Okay, there goes your sponsorship.

[A]

I bring in 3,000 hours a month, but spend 4,000 hours a month on average on Pokemon cards, period. I get a thrill from chasing the new collections, period. I also pay for a lot of services to get. Notifications for new packs of Pokemon cards, period. I love my collection, period. I get very sad and feel bad when I do get not get a new collection, period. I've even spent 28, $26,000 in one month this year alone on Pokemon cards, period. Is this against the Bible? Let's See what the Bible says We're talking to.

[B]

The Bible says, don't listen to Caleb Hammer. He is short. That's crazy. I don't know why it said that, but six, three.

[A]

Oh, you are tall. Give, give. I'll read it back to you. Give, give, give.

[B]

You. I want to see what it says.

[A]

It sounds like you're really passionate about collecting Pokemon cards. Always has to set you up with the stupid AI and it brings you a lot of excitement. However, I want to gently ask, are you feeling like this hobby is taking over your life and your finances?

[B]

I mean. No.

[A]

The Bible teaches us to be good stewards of the resources. In 1 Timothy 6. 10, it says, for the love of money is the root of all kinds of evil.

[B]

I don't love money.

[A]

Oh, for sake. I want to encourage you to reflect. Why is it not just telling me?

[B]

No, I told you the app was weird.

[A]

For where. Okay, okay, listen. I'm just going down to his level. He's a big Bible guy. Matthew 6. 21, it says, Jesus says, for where your treasure is, there your heart will b. Also, where's your heart? Is it on your collection? Yeah, clearly through your behavior.

[B]

I mean, maybe. I mean, there you go.

[A]

You.

[B]

I wouldn't say it's exactly calling me out.

[A]

It called you a piece of degenerate who should probably just.

[B]

I didn't know. Are you the Bible or is that because I think you're calling me?

[A]

I don't know.

[B]

I don't think it fully called me out.

[A]

Dude, come on. It goes again. If you really value that. It's literally telling you you're a piece of dick. It's telling you you're it up and you're not following your rules.

[B]

I wouldn't go that far, but I mean, if you think so. I mean, it's different, but.

[A]

And this is why I really have no hope here. Discover it. What's going on?

[B]

Oh, discover it. That one.

[A]

I'm not sure what's going on with that one.1963.89. Purchasing only. Making the minimum payment. Interest is accruing. Takes eight years to pay off you. 30 minimum payments. You actually did less than that. The balance has gone up. So. Credit score 648. Oh, I need.

[B]

Oh, that.

[A]

Amazon. Amazon. Amazon. Amazon. Venmo. Amazon. Open up your phone again. Sake. Open it up.

[B]

I don't know if I want to. I feel like you're.

[A]

Open it.

[B]

Are you gonna be upset? Pokey Pokemon cards, huh? Are you gonna be upset when it's just Pokemon cards.

[A]

I'm not going to be surprised when it's Pokemon cards. Five things are in the cartoon.

[B]

Oh, yes, I got, you know, gotta buy gifts.

[A]

Okay. Really gay ballpoint pens. I'm just gonna say. Also really gay fuzzy socks for women.

[B]

I hope that this comes out after these gifts are given, because they're gifts, but that's all right.

[A]

Jewelry making clamps, aluminum wire and lip repair ointment.

[B]

They're gifts. You think I'm making jewelry?

[A]

Trying to make that sloppy, sloppy. A little less grindy. Grindy.

[B]

Have you been to Arkansas? Even it's dry.

[A]

Are you dry like one. Sit. Okay. Are you allowed to get the sloppy sloppy? Do you guys. You guys don't.

[B]

That's not where our. That's not where my heart lies.

[A]

Oh, you guys don't. You've never had a sex.

[B]

A sex with her.

[A]

You've never had a sex with her.

[B]

That's not where my heart lies.

[A]

Which is. No. You've never had a glocky. Glocky.

[B]

It's not where my heart lies.

[A]

Whoa. Have you ever touched a tit?

[B]

The offering, or what are we saying right here?

[A]

Well, of course. Sure, mine are great. But have you never touched a boob?

[B]

That's.

[A]

So. You'll follow the Bible when it comes to that, but now when it comes to your literal addiction in your behavior.

[B]

I mean, if you think.

[A]

Wait, are you serious? You've never touched the boob?

[B]

I mean, I wouldn't go that far.

[A]

Have you ever seen her boobs?

[B]

I don't know.

[A]

You guys ever traded nudes? No.

[B]

What am I? What am I, a child? No.

[A]

Have you ever pleasured her?

[B]

It's not from my place to say.

[A]

Well, yes, it is. No. She ever pleasured you?

[B]

It's not where my heart lies, man.

[A]

Whoa, this is wild. Why not just also stop the gambling? And then if you're gonna follow all.

[B]

That, I mean, if you think of it as gambling, maybe. It is.

[A]

It is.

[B]

It's not. But I know what I'm buying. It's not like I'm putting $10.

[A]

You don't know what you're buying?

[B]

No, it's not like I'm gonna expect like, oh, I'm gonna pull $100 bill out of this pack. Like, dude.

[A]

Okay, got some towels. Got some. I don't know what the. I think it's like a drink carrier, but it also carries a lot of other.

[B]

Giving away all the gifts I'm supposed to be giving.

[A]

A heat lamp for candle. Honestly, you can't afford gifts. I'LL be honest. Lots of bubbles for your trees. Toothbrush heads. Naked bottomless Porta Filter.

[B]

Get your mind out of the gutter. Do you know what a portafilter is? That's for my coffee. It's more of my espresso machine. That's where most of that discover oh came from is my espresso setup. If you do anal.

[A]

Still virgin.

[B]

I feel like you're offering me something I don't want here, sir.

[A]

No, just sticking in her butt.

[B]

I don't feel safe.

[A]

Cat food.

[B]

I have a kitten. You want to see her? No, I look I still have to look at your dumb. Is that your dog?

[A]

Just don't look dude. Dead dog. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gaming sauce.

[B]

Literally. The cherry flavor is insane.

[A]

Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb, 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 it for free. Plus three 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. Cat scratch. Lots of cat. Lots of clothes. Vacuum some slippers. Some genuine slippers.

[B]

Oh you can share those ones. You already got those gifts.

[A]

Fuzzy socks for women. Give her the gift of nut like.

[B]

Almond or what are we talking about?

[A]

Oral.

[B]

Is that like oral mouthwash or what are we talking about here?

[A]

You might want to use some mouthwash before you go down. Yeah, maybe a little after as well.

[B]

What are we talking about, big guy?

[A]

Just blows my mind. The people that don't have sex. I just I can't resonate with a. But I just really can't.

[B]

Oh, look at that.

[A]

Lots of things. No Pokemon, but it's pretty much all with a little bit of cat stuff. Oh, your espresso setup's like a thousand bucks.

[B]

Yeah, I got a nice espresso machine at home. I got the machine, the grinder, the. The bottom.

[A]

Usually do use grinder.

[B]

I mean, I'm pretty sure my buddy told me they saw you there on there last night, so. I don't know about that one.

[A]

No. My girlfriend would be very disappointed too. Your buddies here in Austin?

[B]

Maybe. I don't. Oh, he had a conversation before this. So maybe I'd put you on my Mount Rushmore. Lore for people in the back.

[A]

Huh?

[B]

We were discussing our like, gay Mount Rushmore. I put you right there with a little Pokemon card in your hand.

[A]

That's like the people you aspire to. No.

[B]

Just would put you up there. Little Pokemon card in your hand.

[A]

Why are you putting me on your gay board?

[B]

I mean, if it's you, you girlfriend at home. Come on. You're calling me out for fuzzy socks. But come on, you're the one. You're the one that's trying to offer me.

[A]

They were just like the trans colors, dude. So they were kind of gay.

[B]

I mean, everyone. Some fluffy socks.

[A]

I'm not criticizing fluffy socks. You're just getting trans socks.

[B]

Trans. So they identify as shoes or. What are we talking about?

[A]

That's a good one. $1,636.53 on this platinum card. Minimum payment. $40 over sake. New. No, wait. What new p. Wait, you made a huge payment, but then you purchased 10,255. What is happening on this?

[B]

That's probably the other one.

[A]

How'd you even have 8,000 to put towards it?

[B]

Probably that's the difference between, like, the Apple one was my main Pokemon and that was my other one. My other big spender for that Pokemon month.

[A]

This doesn't make any. Nothing here makes sense. You went to Andy's Frozen Custard. That's great. And got some. Got some Red Bull Coffee Lab. Kung Fu tea. Oh, Charlotte Taqueria.

[B]

You always gotta get some boba tea.

[A]

Oh, more Pokemon. Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Chipotle, Sonic. Like Pokemon coffee on Coffee Lab. Charlotte. Charlotte Charlota Taqueria.

[B]

Got some good Mexican food up in nwa.

[A]

Yes, that's what Arkansas is known for.

[B]

It is.

[A]

And Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Pokemon, Starbucks, Pokemon Coffee, Amazon, Petco. That's fine, unless you're just getting There. Which half of it is. If we're being honest, that might have been one. Amazon.

[B]

Pokemon, depending on how much it was.

[A]

Gil Galati. Zemo.

[B]

Oh, Gelato. You're close.

[A]

You spend so much on bullshit. This is crazy. Starbucks. Make it a home, moron. Sonic. Andes. Frozen custard again. Here we go. Here we go. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Amazon. Pokemon. Chick Fil. A. Pokemon. Pokemon. Pokemon. Pokemon. Sonic Drive In. Starbucks. Pokemon. Cava.

[B]

Oh, dude, do you have kava down here?

[A]

Oh, kava. Yeah, yeah, yeah, yeah.

[B]

So good.

[A]

It's a huge chain. It's Chipotle Mediterranean. We get it.

[B]

Yeah. No, it's great.

[A]

Pokemon. Pokemon. This is insanity. Pokemon. Chinese Restaurant. Barnes and Noble. Probably Pokemon, right?

[B]

Yeah, yeah. They started caring. They started carrying Pokemon recently.

[A]

They want to stay in business. Wendy's, Boba Journey. Pokemon Faux Kitchen and Grill. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Pokemon. Taco Bell. McDonald's. Pokemon. Pokemon, Pokemon, Pokemon, Pokemon. Sonic Drive In.

[B]

I'm sensing a thing.

[A]

Firma firm. $22. $7.

[B]

Ooh, that's a good kombucha place. Yeah, dude.

[A]

You live like you make $150,000.

[B]

You don't like kombucha?

[A]

Is that what I said? No, but deal with Uber Eats Pokemon. There's Gelato.

[B]

I like the Pokemon.

[A]

Wendy's. Kava. Pokemon. Dude. Fees of 2. $326 this year so far, and that's alone. What the are we doing? This is insane. There is no hope here. I'm just going to let you know. Just gonna let you know out of the gate. I'm just going through it. You're an example episode. You're an example episode. At this point, there's. There's nothing. The amount you spend on Pokemon, I mean, last month, that has to be about that. 4000. Now with both the first card and that card combined, you spend double what you make. I mean, yeah, 30 more than what you make. At least 50 more. So far, I'm Pokemon. And now I'm not surprised when I saw that. What was that $18,000 that you spent? Insane. Sapphire Preferred. What's going on?

[B]

That was when my car broke down. So that's where most of that balance comes from.

[A]

What happened to your car?

[B]

Rear brake calipers seized up, so I had to get those replaced.

[A]

I should have kept going because if you die, you don't have to worry about this.

[B]

And then in the same month, Fuel Pro fuel pump went out. And then I also need an oil change. And then I also.

[A]

Okay, 962.63. Yeah. Purchasing payment, interest accruing minimum. The payment is 88.50. Is it car repairs? No, I'll tell you. It's plan fees for Pokemon, Pokemon, Lululemon. Getting her some booty pants. Red Bull. Red Bull fees, Interest. Like insanity. Like crazy. Like you.

[B]

Like.

[A]

Like you're done. You're done.

[B]

I don't think I'm that far, buddy.

[A]

Okay. Amazon card.

[B]

One of these has car repairs. I don't know where it is. It's somewhere hidden in there.

[A]

Insane. Okay. $99.19. Minimum payment, $106.12. Amazon Outback. Amazon Pet Smart. Plan fees. Plan fees, fees and interest. Just insane. Beyond insane. This is the Klarno?

[B]

I think so.

[A]

@ t. I guess it's your.

[B]

Phone.

[A]

Yeah.

[B]

Talentless. Yeah. That's a great clothing brand. I needed new shirts for work, so. Need something that was gonna, you know, hold.

[A]

Up. You're a degenerate. You're a degenerate piece.

[B]

Of. Of. First time I've been called that. Congrats. You want a little trophy, I guess. You? A pack of Pokemon.

[A]

Cards? Yeah. Co parter, dude. $611.23 is out on here. Oh. Minimum monthly 4369, I.

[B]

Think. Yeah. I mean, it tells you they're right there.

[A]

Sorry. That's the next seven days. Doing November, actually, so minimum payment is 86.95. Oi. Oi, dude. Oi. Oi. What's this? A.

[B]

Farmer? No, I think that's.

[A]

Affirm. Is the other one.

[B]

Klarna?

[A]

Yeah. Okay, so the first one was Klarna. Pokeni. What's that?

[B]

Pokemon. Oh, yeah. Poke Annie. That's a Pokemon.

[A]

Shop. So you are affirming.

[B]

Pokemon. Yeah, that was early.

[A]

On. Then you're paying your affirm on your credit.

[B]

Card. Yeah, that was early.

[A]

On. You're degenerate, dude. And I can't believe that I have to say. Yeah. Hey, you're a.

[B]

Yeah. That was like a whole Japanese collection. You can't get.

[A]

Them. Oh, great. I really give a. It's destroying your life. It's destroying your entire life, dude. You owe 818.95 on here. This is insane. $47. And $47.46. Plus that 13.58. $61.04. Your minimum, I guess. This is just crazy. And there's so much more. There's so much more. Okay. American Express Green card. I've never even heard of the green card. What? What's going.

[B]

On? Maybe that. What's my. I Don't.

[A]

Know. I don't know. You purchased. It's $879 on it, plus more, I.

[B]

Think. You think it's probably gonna be Pokemon, if I had to take a wild.

[A]

Guess. Dude, what is wrong with you? You're insane. You're insane. You're insane. You owe $743.30, the minimum monthly payment of $89.40. Yeah, just. What are we even doing? Let's see. Yeah. And this will take 18 months to pay off. Sephora, Pokemon, Peacock, Red Bulls, Pokemon, audible, Cava, Pokemon. 548 hours of Pokemon right.

[B]

There. I didn't even know I was still paying for Audible. Well, I'm paying for Audible. Do you have a book I can get on Audible next.

[A]

Year? I just don't know, man. I just don't.

[B]

Know. It's not that.

[A]

Bad. How can you even say that? I don't even know because there's. There's no reasonable response. It's just like. How could you even say it's not that bad? But it's been thousands of dollars. Thousands more than you make on Pokemon last month alone. Hundreds of dollars of fees, hundreds of dollars of interest, if not thousands. At this point. It's like, where is there hope? Where is there anything? There's no semblance of behavior change. Good luck. What could I fix here? I would just. I just need to say no more Pokemon. But that's not possible for you. This is real life, and you're obliterating it. You're destroying it. You're killing yourself. Synchrony. $301.69 with a minimum monthly payment of.

[B]

$57.26.

[A]

Months. 8 months to pay off minimum monthly payments. Only Amazon and Amazon and. Yeah, I mean, it makes sense. It's the Amazon card and Amazon fees. Yeah. Interest. 30.

[B]

Yeah. Stuff for my.

[A]

Cat. Horrendous.

[B]

Yeah. Bump some stuff for my.

[A]

Cat. Yeah. Vacuum as.

[B]

Well. Yeah. I mean, you have to vacuum up the.

[A]

Lid. You didn't have a.

[B]

Vacuum. Not one that.

[A]

Worked. You could have got a cheaper vacuum, too. Delta Sky Miles, Gold card. Why don't you just pay this off? Just like, a couple of those packs and it's paid off. $70 is old on.

[B]

It. Ah, yeah. I could probably pay that.

[A]

Off. And then you don't. $70.02 with a minimum payment of $40. Two months. Two months. And it's paid interest, fees, chaos. Stupid Target card. But it's on your experience. Why? I didn't even know this card.

[B]

Existed. No, I didn't I forgot about it.

[A]

Honestly.

[B]

What? Yeah. Apparently got like, 70 bucks on it, so I gotta go pay that off or.

[A]

Something. Dude, I don't even get it. I don't.

[B]

Understand. I think I got it because you get free. You get free shipping if you buy Pokemon cards on.

[A]

It. You are.

[B]

Insane. What? You want me to pay for.

[A]

Shipping? I don't want you to pay for Pokemon at all when you can't afford to literally live. You moved in with your sister so that you can further your collection. You understand that.

[B]

Right? I mean, yeah, but it's all right. I mean, I got a pretty good collection so far. I should have brought cooler.

[A]

Cards. You have tattoos. That's against the Bible. So you're very. Picking and choosing. Yes, it's heavily against the.

[B]

Bible. You actually haven't read your Bible. So that's old Levitical. That. This one, I. I.

[A]

Think. Bring up your.

[B]

App. That's old Levitical.

[A]

Law. Old lawn in the.

[B]

Bible. It.

[A]

Is. How do.

[B]

You. How'd you use this thing? Let's see. Here you go, buddy. Here you.

[A]

Go. Is it against the Bible for me to get tattoos? Question.

[B]

Mark. Do you not have.

[A]

Tattoos?

[B]

No. You should get a nice little Pokemon one after.

[A]

This. That's just because I'm just nervous of needles, though. Nor print any marks upon you. So. Yep, that's against the.

[B]

Bible. It's actually not. It's old Levitical law to where they would actually, like, gash themselves and then put ink into.

[A]

Themselves. I always try to find a code Pope when they do something that's clearly against it. You can't have selfish either, by the way, or.

[B]

Pork. So, yeah, that's old Levitical law. So you have different laws. You have.

[A]

Ceremonial. The ones we choose to pick.

[B]

Yeah. No, you have ceremonial. You have moral laws, which is like, why we don't kill each other. And then you have.

[A]

Laws. That's why you don't kill someone. Because the book told you I do it because we shouldn't kill.

[B]

People. Yeah, but, you know, those morals actually come from the book itself is lawyer. Because back then, like, that's why, like, the city of, like, I don't know, Babel was destroyed because of how horrible they got.

[A]

Through. You know, are breaking your.

[B]

Laws. I am not. I can show you my cross tattoo too. Oh, yeah? Let me.

[A]

See. Something else. You're picking and choosing. But he won't really. This is so silly. Just follow it. Or don't, dude. I don't give a $1,526.23 on upstart. What's this for?

[B]

70%? Yeah, that's when I was having issues with my job.

[A]

And. What issues?

[B]

Why? So at the old job I was at, they didn't pay us for any time it like either was like inclement weather. Any like, any inclement weather or any time that we had like breaks. So from like November until February, I didn't receive like a full paycheck during that whole.

[A]

Time. I'm confused. I have two balances. Oh, upstart and upgrade. They're different. What's your minimum? What? What's your minimum payment on upstart at the 17% interest.

[B]

Rate? I don't know. Probably like, I think around.

[A]

60. Okay, are you just guessing or are you lying? Cuz that's against the rules.

[B]

Too. I don't know off the top of my head, but I know.

[A]

That. Okay, upgrade. What's this.

[B]

For? I think that's when I moved out to Arkansas for.

[A]

Sake. Was it that much of an emergency to move to a town where no one.

[B]

Lives? No, I just ran out. I had. I had some saved, but there's.

[A]

Expensives. I didn't run like you just said you.

[B]

Did. I said I ran out of like money because I had some.

[A]

Saved. But why'd you have to do the move until you saved up?

[B]

You. Because I thought I had enough. I.

[A]

Had. But you didn't, so.

[B]

Stop. Yeah, but I didn't know that until I got out there. I had three grand saved and it went.

[A]

Gone. I'm so confused. I moved from Michigan, which is right next to Illinois, to Austin, which is further. I spent a thousand. No, I spent.

[B]

Hundreds. I mean my U haul. What the are you.

[A]

Doing? Why'd you have a U Haul? Just pack up your.

[B]

Car. You think I'm gonna fit a mattress on top of a.

[A]

Car? No, but you sleep on an air.

[B]

Mattress. They want an air.

[A]

Mattress. That's what I did. For like six months. No, until you save up.

[B]

Buddy. If you're trying to start somewhere, why would I leave like a good.

[A]

Mattress? Because you obviously couldn't afford this. That would be the.

[B]

Answer. Yeah, but you come down here and then buy a new.

[A]

Mattress. No, an air.

[B]

Mattress. Dumb. Oh my God. I sleep on an air.

[A]

Mattress. Oh my.

[B]

Gosh. I want to have a perfectly good.

[A]

One. And that's the thing. Because you had to spend money to get it there. That would have been more than an air mattress. Obviously. You just can't afford everything. Anything and everything you're willing and you're not willing to take Any sacrifices, just straight up. You're just not. 20% interest rate on this minimum payment.

[B]

$66.89. Oh, that's the $60. I don't know what the other one is then.

[A]

Oh, oh, who knows? Who knows? Okay. What is this? PNC.

[B]

Auto? Look. Yeah, it's my.

[A]

Car. What's the interest rate on your.

[B]

Car? I think I got it down to like around like.

[A]

12. Down to 12.

[B]

Sake. I mean, yeah.

[A]

About. What's your.

[B]

Car? It's a 2015 Buick.

[A]

Verano. Okay. Of which you owe $7,802. Only down 2,000 from the original, so that's not great. Under 12 interest rate of death and insanity and few minimum to payment 217 for your income. Okay. I guess our Edmunds appraisal, which is the most accurate appraisal online, by the way. So that's what we used instead of any other trade in. We got 2,890 or private party sale of.

[B]

$4,297. Yeah, I bought it for too much in.

[A]

Illinois. Yeah. Okay, so you're. Listen, buddy, and I don't know how much is going to help, but I'm going to put you through our Master your Money series. That's what many people out there have signed up for. And there's a community to engage with and you got all the classes and all classes we ever make for it and the premium version of the dollar wise. So we'll put you through the Master Money program. Okay. It's the program that's gotten a lot of people out of debt and a lot of people on the right investing journey and real estate journey. But obviously what you'd need to do is not get Pokemon, which I don't think you're capable of. Oh, is this student.

[B]

Loans?

[A]

Yeah. Okay, what's your student loan.

[B]

Total? I think we're up to around 30. 30.

[A]

Grand. Okay. $29,799. For.

[B]

What? For three fourths of a.

[A]

Degree. What were you going.

[B]

For? I was going to be a therapist for kids with autism.

[A]

But. Well, okay, if it's therapists, can't you the decent amount of credits you can transfer over. Right. Especially gen eds.

[B]

Yeah. Over to like nursing now.

[A]

Yeah. What's your minimum monthly payment? You're not in school yet, so you should have a.

[B]

Minimum. Yeah, it's 2 11, so price.

[A]

Is not in like the 3 hundreds, but okay. Yeah, that sounds about right. And then you didn't even get a degree and you're not even doing anything and yeah, you won't be making the payments when you're in school, which I bet you're celebrating, but this is just moronic in every way whatsoever. Oh, my gosh. What's this? All this stupid. Oh, wait, no, this is different. Hold on. Wait. And then Sallie.

[B]

Mae.

[A]

Yeah. What's this.

[B]

For? That's. That's student.

[A]

Loans.

[B]

Separate. Yeah. Well, yeah, it's like.

[A]

Private. Got private. Stupid. Selling me $694 is all it.

[B]

Is.

[A]

Yeah. I would just kill it.

[B]

Yeah. It's.

[A]

Not. What's the minimum? Is.

[B]

There? Yeah, it's like 50.

[A]

Bucks. Geez, dude. Well, yeah, but the interest rate are typically horrible on.

[B]

These. I got a lower one on that one. I don't know.

[A]

How. What's lower to you?

[B]

8. Yeah, right around.

[A]

There. Yeah, it's still horrible. You're not beating it in the market, is the thing. Okay. Checking account ended with 585. Oh, that's just sending money back and.

[B]

Forth. Yeah, I don't really use my.

[A]

Actual affirm. I think.

[B]

Pokemon. Which.

[A]

One? Cash app. Klarna. Klarna and Pokemon. Amazon. Affirm, Affirm, Affirm. Venue out. $148. Venom out. $5. Venom out, 130. Venue out, 15. Affirm. Affirm. No savings, no.

[B]

Retirement. I may have a little bit in.

[A]

Savings. How.

[B]

Much? Like a.

[A]

Thousand. Surprised you haven't blown that on Pokemon. I'll be completely honest.

[B]

Yeah. I mean, I get dinged if I transfer too much out of it, so I just kind of. I just kind of keep it there because they'll start taking money from.

[A]

Me. I'll see if this is even budgetable. But I honestly have extreme, extreme doubt. I mean, not with the way you spend money in Pokemon. And I can't change that for you. You have to do that. I mean, total income, I'm gonna say 3,000, because it looks like at least a little more sometimes comes in. So I'll say three. Okay, let me get your minimum debt payments. Okay. The Apple one's $145. Then $40.56 from the Advantage card, $30 from Discover it. $40 from the Platinum card, $88.50, and the Sapphire Preferred. These are stacking like crazy. $106.12 from the Amazon card, 86.95 from Klarna, 61.4 from a firm green card is $89.40. Then there's $57.26 from Synchrony. Gold card is $46. This is insane, dude. Just adding this up. $30 from Target. $66 from Upstart. $66.89 from Upgrade. $217 to the car. Student loans. 200. What was it? 216? Yeah, 216. And then $50 already half of your income gone. And then he's finding the other half on Pokemon. So it's gone. And that's on a low month. You told me so. Okay, 14. $36.72. No rent, no utilities, no Internet. You don't contribute.

[B]

Anything. I mean like I got food. I do. Like our Spotify. Oh yeah.

[A]

No. Okay. Groceries. You can do 300 for.

[B]

Yourself. I do.

[A]

200. No, because you're not going out to eat anymore.

[B]

300. No, I mean 200 gets me.

[A]

By. I don't. No. You. You say that while you're going to eat every second of your life. It's 300. Shut the up. Follow the meal plan in the debt class. That comes in the master money series phone.

[B]

Bill. 100.

[A]

Bucks. Okay. Do you owe on your.

[B]

Phone?

[A]

No. Is T mobile good in your.

[B]

Area? No, it's really not. We only have if it ever.

[A]

Is. Switch to helium. Helium is good as long as T mobile is good in your.

[B]

Area. I've been trying with where we're at, it's. It's rough. Like even at and T is.

[A]

Rough. TP fund anything else you need to survive. Hundred dollars. Gas. Vroom, vroom. Drive.

[B]

Drive. Like probably 100 bucks a month. My car gets decent gas.

[A]

Mileage. Car insurance, how.

[B]

Much? It's.

[A]

200. Medical, health care. Any CO pays. Ongoing. CO pays for reoccurring things, whether it be therapy or medications or ongoing.

[B]

Appointments. Now my insurance, like do you want my like insurance total a month or.

[A]

No? No. Well, that it gets taken from work. Right. Paycheck or do you pay it out of.

[B]

Pocket? Pocket. I pay out of.

[A]

Pocket. How.

[B]

Much? Not bad since I'm how much? Like 70. But that includes dental. Good, that's what happens when you're in a small.

[A]

Town. Subscriptions? I'll try 25. You have a cat? Just one. How much for pet.

[B]

Food? About 20 bucks a.

[A]

Month. Okay. Pet insurance? 50 bucks. Cuz you certainly couldn't afford if an emergency pops up for the cat. Anything else I need to put in your.

[B]

Budget? I think that's it for my.

[A]

Budget. Technically this shows wiggle room. $202,401 and 72 cents. But listen, if you actually want to pay off debt again, that leaves a potential wiggle room of. Let's call it 600.

[B]

Bucks. That's what I've been trying to.

[A]

Do. But that's the thing is that's if you actually make 3000 or not.

[B]

Method like the snowball.

[A]

Method. Yeah, but that means nothing if you spend literally 4,000 hours a month on Pokemon alone. So shut the.

[B]

Up. I mean, that's what I. I mean, someone told me a snow. Snowball method is the best one to.

[A]

Use. So just trying to get like when it comes to the mentality for sure doesn't matter because you're a Moron who spends $4,000 minimum on Pokemon on a monthly basis. That is not involved in the snowball method. So I don't know what the you're talking about. Your bad debt is 20. Because we're not taking into account student loans of what you're probably going to borrow more to go to school. But $26,553.09 with an extra $600 a month. Because remember, this isn't even getting Pokemon cards. Still takes 44 months to pay off. Or basically three years. Two. Three years, three.

[B]

Quarters. That's not horrible. I mean only.

[A]

Three. That's not horrible. But that's not getting Pokemon cards. So you spent a hundred dollars a month on Pokemon cards. For an example, which I don't. You wouldn't even be able to come closer. It's going from 4,000 to 100. Good. The clock. Well, let's say you do. Okay, so 26,555. Right. Divided by $500 now. Well, that goes from three years, 3.75 years to four and a half years. Just by contributing $100 a month.

[B]

In Pokemon goes to five.

[A]

Years. And how many years are you going to be in school or how many hours a week is school going to be? It's going to be because this is. If you keep your income now.

[B]

It'S going to be eight. So I'm going to be living.

[A]

Eight. For how.

[B]

Long? For two years. So it's going to.

[A]

Be. And do you and your girlfriend plan on moving out and living together? Like, is that a part of the.

[B]

Docket? Eventually.

[A]

Yeah. Well, how can you afford that? Plus this for four years, plus now spending on Pokemon plus plus taking time away from work to do.

[B]

School? Yeah, I mean. I mean, when I make them a little bit more for nursing, it's gonna be easier to.

[A]

Move. How long is.

[B]

School? It's only two.

[A]

Years. Okay, two years. So. But that's still. That extends this process to like eight. Like seven. Seven.

[B]

Years. So it's a paid.

[A]

Offer. Yeah. And that's if you're not buying Pokemon while in school. What's your income situation gonna be while in.

[B]

School? I'm gonna be probably losing about four to six hours a week.

[A]

So. So at that point, you're break even at best without spending on Pokemon cards. Break even at best, Which I'm okay with. Break even. But that means you still can't move out for a minimum two years or minimum six years, honestly. So like, well, that doesn't make sense, right? The math is not working.

[B]

Here. So like, even there's not like any wiggle room to like, bump it up a little bit. There's bankruptcy for bankruptcy, but this.

[A]

Is bankruptcy so that you can excuse yourself to go spend more money on Pokemon cards, which doesn't address the issue that got here in the first, that got you in the first place. Meaning if you go through bankruptcy, you don't change your behavior first, you're going to be right here again. If not worse, because you'll have higher income by the time bankruptcy is, well, half come out of school. You'll make money in nursing, but that'll just mean more spending. You'll go from 4,000 to 8,000amonth on Pokemon. None of this matters if you don't get your behavior under control. And I don't know how you do that with balancing with school. You'll break even for a couple years at.

[B]

Best. So like, it's either bankruptcy or.

[A]

Bankruptcy. Doesn't even make sense for you though, because you haven't changed your behavior. You're not stopping our Pokemon. You spent 26000 on one month, one month on Pokemon this year so.

[B]

Far. So. So how do I budget that, like, into it.

[A]

Though? I just told you you can't. I just told you you.

[B]

Can'T. Like, nothing at.

[A]

All. I said even with a hundred dollars. But even with a hundred dollars, you can't afford that breaking even while being in school, which starts in the beginning of the year.

[B]

Right? Yeah, but I mean, like, when I make more, like, then it will like.

[A]

All. It doesn't matter for the next two years. What are you gonna do? You're not making more in the next two.

[B]

Years. No, but like one after the next two.

[A]

Years. I don't give a fuck about that. How are you doing it the next two.

[B]

Years? I mean, like you said, if I just break even, then I.

[A]

Can. But Pokemon though is breaking even. All right, fuck this. I'm going to the post show. I'm calling the girlfriend. Maybe she can talk some sense into him. Join the post show by clicking that. Join button and join Hammer Elite, the number one membership on YouTube for a reason. Three premium shows posted every single day, Monday through Friday, including extra 20 minutes to this episode called the Financial Auto Post Show. I'll see you guys there. Make sure to get your hammer financial score. Caleb.com Good the.

[B]

Luck. Good.

[A]

Job. Cards. Every.

[B]

Day. I wouldn't say every day. Maybe like every other day if I can. But jeez, it's every day. Is that not an.

[A]

Addiction? Oh, oh.

[B]

Addiction. Not at all. I mean, I know what I'm paying.

[A]

For. You don't know what you're paying.

[B]

For. I do. I know that I'm gonna get.

[C]

Cards. Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. See description for more.