No F*cking Way | Financial Audit

Summary

Financial Audit Podcast with Caleb Hammer

Episode: No F*cking Way | Financial Audit
Date: October 3, 2025
Guest: Farrah, 27, Patient Access Rep from New Orleans, LA

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Episode Overview

This episode features Farrah, a 27-year-old working as a patient access representative in New Orleans, who candidly shares her deep financial struggles, major impulse spending, and the cycle of debt overwhelming her. Host Caleb Hammer conducts a raw, direct financial intervention, pushing Farrah to face the real causes and consequences of her situation, while offering tough love, candid feedback, and actionable advice.

The episode blends tough financial auditing, humor, pop culture asides, and far-reaching honesty, all while underscoring the urgent need for behavioral change in Farrah’s approach to money, health, and her future.

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Key Discussion Points & Insights

1. Income & Living Situation

• Income: Farrah earns $15.95/hr ($1,900/month take-home).
• Job Satisfaction vs. Financial Needs:
  • Farrah enjoys her job but admits it doesn’t financially support survival.
  • Caleb presses: “What comes first, survival or liking the company we work for?... you have to choose survival over that.” (04:22)
• Living Situation: She pays no rent, living with her boyfriend and his roommate, contributing ~$400/month for groceries, utilities, and internet.
• Farrah’s Justification: She resists changing jobs for higher pay due to comfort/enjoyment, despite being financially underwater.

2. Spending Habits & Behavioral Patterns

• Major Impulse/Unnecessary Spending:
  • 16% goes to fast food; overspending on plushies (‘Labubu’), concert tickets, whimsical Amazon/TikTok items, and subscriptions.
  • Example cart: “She has 34 things in her Amazon cart... cat collars, crochet kit, Dr. Pepper candle, Kirby costume...” (13:57)
• No Emergency Fund: Current balance is $0, and all savings are spent monthly.
• Repeated Self-Sabotage & Excuses:
  • Even with no rent, she overspends.
  • “You’re spending more than you make. The categories are complete.” (13:07)
  • “Why are you incapable of change?” (09:30)
• Emotional Triggers & Coping: Farrah cites her late mother's similar habits as learned behavior: “I feel like I picked up those tendencies from her.” (24:24)

3. Debt Deep Dive

• Debt Total: ~$26,993.22 (credit cards, personal loans, Affirm, car loan).
  • Multiple maxed-out credit cards, some over limit and incurring late fees/penalties.
• Credit Card/Loan Breakdown:
  • Every credit card discussed is maxed out or over limit.
  • Loans include a personal loan (“Best Egg,” originally $5,000, used for convention costs and to consolidate debt—which failed).
  • Life insurance cash-out loan and $18k car loan at 17.6% interest, cosigned by her boyfriend.
  • Use of buy-now-pay-later apps (Affirm, Klarna) for non-essentials.
• Minimum Debt Payments: $1,100+ per month—over 50% of her monthly income.

4. Relationship Dynamics

• Dependence: Farrah heavily relies on boyfriend’s financial support (no rent, cosigned car, extra help).
• Concern: Caleb flags risk: “If this relationship dies... you’re closer to homelessness than you are confession.” (16:57)

5. Health & Lifestyle

• Morbid Obesity & Health Parallels with Mother:
  • BMI over 50, 5’4”, 287 lbs.; mother died at 40 of a heart attack.
  • Poor nutrition, mainly fast food, little exercise.
  • Sleep apnea, sleep issues, no gym, heavy soda/energy drink consumption.
  • Caleb warns: “There’s no point in sacrificing all this if you’re going to die at 40.” (40:10)
• Resistance to Change:
  • Acknowledges lack of motivation for health improvement.
  • Makes excuses for not cooking at home: “My boyfriend asks me, hey, do you want to get McDonald’s?”—and always says yes.

6. Candid Confrontation & Tough Love

• Caleb Calls Out Excuses:
  • “Everything we’re doing here is you just choosing what’s a little more pleasant.” (06:25)
• Real Consequences:
  • “You are just a child… you’re never going to do anything, are you? You’re never going to be successful, are you?” (08:53)
• Humor & Sarcasm:
  • “You’re over on all the credit limits. You’re just... It was probably interest that brought it over.” (53:37)

7. Budget Audit & Recommendations

• Breakdown of Monthly Needs:
  • Debt payments: $1,100+
  • Utilities/food/internet: $400+
  • Phone: $150
  • Car insurance/gas: $307
  • Adds up to over her monthly take-home; “We are now over budget officially.” (84:46)
• Action Steps:
  • Drastically cut all discretionary/impulse spending.
  • Shift to splitting rent/utilities rather than food for fairer contribution.
  • Stop pet expansion (no new kittens).
  • Cook meals at home; meal prep ($2.90/meal possible).
  • Get second job or find higher paying role—must bring in minimum $1,000 extra/month.
  • No new subscriptions, avoid concurring interest.
  • Begin addressing health—budget for gym, reduce fast food.

8. Reflection, Accountability, & Final Thoughts

• Farrah’s Self-Assessment: “A zero [out of 10]... I’m like a negative 10 probably.” (33:29)
• Caleb’s Final Judgment:
  • Hammer Financial Score: “Rounded up to a .5 out of 10.” (88:39)
  • “You have to bring in about an extra $1,600... otherwise you’ll never get out of debt.” (85:07)
• Urgency: Caleb pushes for immediate drastic change, warning her life expectancy, stability, and independence are all at risk without it.

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Notable Quotes & Memorable Moments

• “You just said you’re struggling to survive. I’d say that’s bad on paper and in person.”
  (04:42, Caleb)
• “Why are you incapable of change or any progress or maturity?”
  (09:30, Caleb)
• “You’re just a child. Like, what even was that little stunt you just did? What a joke. Embarrassing.”
  (08:53, Caleb)
• “Within the last year, she has affirmed $700 of Labubu. What a joke. You should be embarrassed.”
  (72:12, Caleb)
• “All spending is just impulse bullshit, no plan whatsoever. Don’t have a thousand dollars. If your boyfriend breaks up with you, good luck—you wouldn’t be able to survive.”
  (13:57, Caleb)
• “Your mom morbidly obese, had a heart attack at 40 and died. You are living the same lifestyle. BMI over 50. Terrifying... there’s no point in doing this if you’re not gonna actually do it.”
  (41:10, Caleb)
• “You are over the BMI limit. You’re over on all the credit limits. You’re just... It was probably interest that brought it over.”
  (53:37, Caleb to Farrah)
• “I’m glad we’re getting DoorDash within the last month. I’m glad we’re getting Klarna Labubu within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime.”
  (75:24, Caleb)
• “If this relationship dies… you’re closer to homelessness than you are confession.”
  (16:57, Caleb)
• “Hammer Financial Score rounded up to a .5 out of 10, ladies and gentlemen.”
  (88:39, Caleb)
• “I just opened a third affirm—TikTok Shop.”
  (89:04, Farrah)

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Timestamps for Key Segments

• 01:27 – Income revealed, job situation discussion
• 04:42 – Host challenges prioritizing job satisfaction over survival
• 07:22 – Farrah admits to impulsive spending being the main financial issue
• 13:57 – Amazon cart review, evidence of spending issues
• 16:55 – Relationships & financial dependency
• 24:24 – Parental influence on spending addressed
• 40:10 – Health, BMI, and legacy conversation (critical intersection of finances/health)
• 53:37 – Multiple cards over the limit, “You’re over on all the credit limits.”
• 72:12 – $700 in Affirm Labubu purchases, Caleb’s blunt reaction
• 75:24 – Requesting personal loan extension, debt cycle illustrated
• 84:46 – Budget breakdown reveals negative cash flow
• 88:39 – Final Hammer Financial Score and summary

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Tone & Style

The episode is raw, irreverent, and mixes stern warnings with gallows humor. Caleb peppers the conversation with sarcasm, pop culture jabs, and hard truths, repeatedly circling back to Farrah’s lack of accountability and pattern of self-sabotage. Farrah responds with self-deprecating humor and nervous laughter but rarely demonstrates true ownership or plan for change, which Caleb continually brands as “childish” behavior.

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For Listeners Who Missed the Episode

This is an unvarnished, brutally honest case study in financial self-destruction. Farrah is relatable to anyone who’s struggled with impulse spending but serves as a cautionary tale—how unchecked habits, lack of accountability, and emotional impulse can lead to decades of debt, dependency, and risk. Caleb’s approach isn’t gentle, but it’s deeply instructive, unearthing the root causes and possible escape routes for anyone facing similar issues.

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Main Takeaway:
Farrah’s story is a wake-up call about the dangers of comfort-driven stasis, lack of financial self-discipline, and enabling arrangements. Serious lifestyle, spending, and career changes are non-negotiable for her to avoid long-term ruin.

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Additional Resources Cited / Offered in Episode

• Dollarwise Budgeting App: Encouraged for all listeners/guests
• Course Career Certification: For additional career skills
• Meal-prep Cookbook: To save money and improve health

If you want to avoid being a guest like this: Download the Dollarwise app, start meal prepping, split expenses fairly, track every dollar, get a better job (even if temporarily unpleasant), stop impulse buying, and put health first.

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Episode’s Final Financial Score for Farrah:
0.5 out of 10 — Complete financial overhaul urgently required.

Transcript

[A]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Are you acting like an insufferable. Oh my. Within the last year she has affirmed $700 of LA boo boos. What a joke. You should be embarrassed. I'm embarrassed for even having that happen on my own show. Quicksilver card.

[B]

That one may have been for a purchase.

[A]

Sign up for the new and improved Dollar Wise budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money. And get my Budget Friendly cookbook signed by me and mailed directly to you. And for a limited time only. If you want to bundle all of my educational programs together with the budget app, join Dollar Wise Central and save 80%. Take the trial and learn [e-mail] hi.

[B]

My name is Farrah. I'm 27 years old from. Sorry. Hi, my name is.

[A]

Are we choking? Yeah, I'd be choking If I spent 16% of my money on fast food as well. Where are you from?

[B]

New Orleans, Louisiana.

[A]

And this is Financial Audit. Just want to make sure you're alive so you can make it through this. It was a little. And I'm from. So. Okay, you're good. What do you do in Louisiana for a living?

[B]

I am a patient access rep at a pediatric specialty office.

[A]

Okay, sure. What does that make? What do you make?

[B]

1595 an hour now, Louis, New Orleans.

[A]

Not one of the more expensive cities. Declining population has been since a very long time. Katrina definitely pushed it over the edge.

[B]

Yeah.

[A]

Okay, so I don't know how 15 stretches there. I'll be completely honest. In a lower income city, lower cost of living city, how you live in how many way. Before you answer that, how many hours a week are you working?

[B]

40.

[A]

Okay, what hits your account on a monthly or bi weekly, whatever your thing is around 1900. Okay. How you doing? 1900, Louisiana.

[B]

Not. Not good.

[A]

No?

[B]

No.

[A]

I'm gonna need a little more than that on a podcast.

[B]

It's not enough to survive.

[A]

Why don't you go get a different job?

[B]

I like what I do and I like the company I work for.

[A]

But you can't survive what comes first, survival or liking the company we work for? Preferably we can match both together. But when one is not happening, the one we're choosing to happen over the other is survival.

[B]

I feel like I should enjoy my job.

[A]

Sure. I agree. I would like you to. Should. Entitled to. I wouldn't say. So you prefer that over working? No.

[B]

There was an opportunity for me to get A leadership position which would have.

[A]

Come with what pay?

[B]

That wasn't disclosed.

[A]

And what was the opportunity of which it did not take hold. Why?

[B]

So I would have basically been the leader of all of the patient access reps. So over about maybe six or seven people, and they ended up going with someone else.

[A]

Okay, so you did not have an opportunity. There was an opportunity that you tried, but it was not yours. Sorry.

[B]

My manager made it seem like it was in the bag for me.

[A]

Well, instead, now you gotta put the fries in the bag because it didn't work out. I'm sorry. That is the reality. Listen, I would love you to get a promotion. That'd be great. Okay, I'm glad. Good. I'm glad you like your job. Let's pretend there are two pillars here.

[B]

I'm not doing that bad. It just looks bad on paper.

[A]

You just said you're struggling to survive. I'd say that's bad in paper and in person.

[B]

I feel like I've gotten a little bit better lately.

[A]

Okay, that's what everyone says.

[B]

Oh, it's the truth.

[A]

That's what everyone says on this show.

[B]

Okay.

[A]

If that's the truth, then.

[B]

I feel like most of those are just payments and interest.

[A]

Okay. We giggle at everything, every sentence we say. Yeah, we giggle at.

[B]

Yep.

[A]

Okay, let's pretend there's two pillars in the job world. Okay? It's New Orleans, so it's safe.

[B]

Okay, New Orleans is not safe.

[A]

Well, for these two, this is enjoying our job. This is survival. I would like them both to exist, but if we got to crash into one of them and bring it down, it's the enjoyment. Because survival is more important. I prefer both. But you have to choose survival.

[B]

Why do I have to, though?

[A]

Because if you're not surviving, then you don't show up to the job at some point. Then you don't have a place to live. You don't have food to eat. What do you mean? Why would I have to chew? How? Explain that logic to me.

[B]

I mean, I enjoy my job and I'm the best at my job. I'm not getting fired anytime soon.

[A]

Which is why you got promoted. They.

[B]

My manager told me she felt like, because I was already like. Like I already knew all of the other patient access people, that it would be difficult for me to, like, suddenly become a manager over them.

[A]

That's some cope.

[B]

What?

[A]

That is cope. If you were the best for the job, you would have gotten the job.

[B]

I mean, I feel that way too, but.

[A]

Yeah. So maybe you appreciate the company, but they don't appreciate you. Meaning, oh, we look for a different job is where that goes traditionally.

[B]

I actually did leave this job for like three months and then went back.

[A]

What were you doing in that three months?

[B]

I was a case coordinator for a pediatric home health company.

[A]

What did you make?

[B]

1650 in an hour.

[A]

Okay. A little bump.

[B]

Yeah.

[A]

Percentage wise, decent, but the insurance was way better. That's good.

[B]

I didn't enjoy it though, so I left and went back.

[A]

Were you able to make more of a survival during that?

[B]

My living situation was different at the time, so yes.

[A]

Okay, why not put your living situation back to that then? Obviously that's not the situation that I.

[B]

Don'T want to be in that situation again.

[A]

Okay, well, it's all about want with you. I just want to pick.

[B]

I haven't googled in like five minutes. Don't make that face.

[A]

We've been filming for six.

[B]

Can you even see?

[A]

You look better.

[B]

Let me take mine off too then.

[A]

So why in your entire life, everything we're doing here is you just choosing what's a little more pleasant? Because what ends up again if it's the we're not able to live pillar that doesn't exist, Life will not be pleasant across the board. You might enjoy the job you go to, but if you get evicted, if you lose a housing situation, if you're in high interest debt forever, you can't make your payments, your credit's absolutely. You need to borrow for whatever reason with a car or whatever, at some point, you're not able to qualify for anything other than predatory. Maybe you take out payday loans, maybe you start getting a cash advance. Cycle of death. That's not a good life. I would say that would then outweigh not having the job we absolutely love. No. Now again, I am not saying I don't want you to be in a job you love. I am not saying that I want both to be there. But you have to choose survival over that. Or. Or if you're working 40 hours a week and you want to continue that, that's fine, you got to go work a second job.

[B]

My issue isn't my income. I just like to spend money on things that I don't need.

[A]

Okay, well, then the solution would be I want to make sure. I want to confirm. Oh, yeah, it's. Don't do that, you dumb.

[B]

That's why I'm here.

[A]

So I'm able to just make you not spend money. I'm able to make you not spend 20 of your spending, which is spending more than you bring in on fast food. I'm able to do that for you.

[B]

You.

[A]

I go there. I hold your hand, I ride the streets of New Orleans on my tubas and whatnot. And I'm making you not spend money. I'm there.

[B]

I feel like you yelling at me is gonna ingrain it in my head.

[A]

Listen, whatever kinks you have is fine. I'm not judging, But I am not able to be the shift. I'm able to tell you what's a good way to do it. But if you already recognize what the problem is, yet you are not out there doing the fix that is necessary. What the can I do?

[B]

It's hard.

[A]

It's.

[B]

I want.

[A]

Oh, good, guys. It's hard. It's hard.

[B]

I want things. I wanted a labubu.

[A]

Okay, great.

[B]

Do you want to see it?

[A]

Nope. Don't give a. All right, here comes a non consensual labubu.

[B]

Look at it.

[A]

Great. You got the most boring one. It's gray.

[B]

At least it's better than this one sitting.

[A]

I'm like, what do you say me for understanding? Let's put it away. Let's put it away because do you want to see people up? I don't care about this. That's not even a law, Boo Boo. That's. That's nothing. No one knows what that is.

[B]

It's Piplo, all right?

[A]

She's a child. That's great. I'm glad we're establishing this wonderful and that vibes with your attitude of, oh, I'm picking my job. I like over being able to survive. Oh, I want things, and I'm not able to cut it back. And I need you to hold my hand. Yeah. You're never going to do anything, are you? You're never going to be successful, are you? You're just a child. Like, what the even was that little stunt you just did? What a joke. Embarrassing. You should be embarrassed. I'm embarrassed for even having that happen on my own show.

[B]

I'm embarrassed every day.

[A]

You should be.

[B]

I am.

[A]

Good.

[B]

Great.

[A]

Whenever I'm embarrassed, I usually change the thing that is embarrassing me. Why are you incapable of change or anything or any progress or maturity?

[B]

Because I'm a child, like you said.

[A]

I mean, what the even is that answer? Obviously, that is what I'm saying. You're acting like. But you're just going to sit there and say you're a child. What can I do then? Like, okay, then go lay in your crib. The conversation's done.

[B]

Are you going to give me a Pacifier.

[A]

The are you doing?

[B]

I'm just here.

[A]

For what reason?

[B]

I do want help to try to figure out my finances.

[A]

Why are you acting like an insufferable. Yeah, Google that away. Cope that Google. Go for it. Like, what the are we doing? Dude, you're acting like a.

[B]

That's not my intention.

[A]

What. What is your intention then?

[B]

Right now, I genuinely want your help.

[A]

What does that help look like to you?

[B]

I budget. Like, I.

[A]

You budget?

[B]

I do.

[A]

Great. Tell me how much you spent last month.

[B]

More than I made.

[A]

Like, tell me how much you spent that last month, you budgeting professional queen. Like 2428. So you don't even know that, then you bring in 19.

[B]

It was close.

[A]

Kind of percentage wise, not really, but okay. It was around that ballpark, Sure, I guess. And listen, the median average hourly wage in New Orleans is 28. You're substantially under that. You're. You're in. You're in the beyond lower category of paid. And you're like, oh, because I enjoy my job? That's okay. There's other jobs you enjoy that you might get paid more, that you might have to stick out. A job you don't like for a bit to gather experience or move up in a company. You think there's only one job that's enjoyable in this world?

[B]

No, but I would like to see what opportunities I do have in this company.

[A]

Oh, you bought a budgeting chart for Matsy. Okay, so that's your. Yeah, okay. Sorry, what were you saying?

[B]

I want to see how I can grow in the company that I'm with right now.

[A]

Okay, that company denied you growth.

[B]

In that area. There's other areas of the company.

[A]

Then why haven't you done it?

[B]

Because I need help from my management.

[A]

Okay, you need help from everyone except for yourself, apparently, because you can't do anything on your own. It sounds like you need help from me for your finances. You need help from management to promote you. What the. You can't do anything. Huh?

[B]

I can't promote myself.

[A]

You can't promote yourself, but you can put yourself in a position where you would have won the promotion. You didn't. You were not chosen even though you're manager said you were a shoe in again. Yes, the manager makes the promotion. Yes, I make the budget. Call out the bull you have to do with the action that is stopping your bull spending, actually budgeting, getting the education you need via what we provide, but actually taking it, implementing it, improving your life. Yes, the manager opens a promotion. It is up to you to Then go get it.

[B]

I did. I had an interview.

[A]

You don't understand what I'm saying. It's up to you to practice your interview skills, to update your skills, to make sure you are the winner. Why'd the other person win over you?

[B]

Because they were from a different company and had more experience. They had management experience.

[A]

There you go. And you didn't. So you needed them.

[B]

They're trying to get the management experience.

[A]

Yeah, but you might have to leave to another company you don't like in order to get management experience. In order to accumulate the skills and resume necessary to get the job you want.

[B]

Maybe, maybe no.

[A]

You're just sitting in her job because you find it comfy. But you're not surviving. You're spending more than you make. The categories are complete.

[B]

It's not that bad.

[A]

How's it not that bad? Please.

[B]

I'm not. I'm not on the streets yet.

[A]

What's your rent? Huh?

[B]

What's your 50?

[A]

Okay, 750 sounds like lovely rent, right? Well, she brings in 1900. So let's see.

[B]

I don't live by myself. I live with my.

[A]

But your rent is 750.

[B]

So I live with my boyfriend and his roommate. They take care of the rent. I help out with groceries, utilities.

[A]

Wow. Okay, so even without rent, you're spending more than you make a winner promoter. I just don't get it. Listen, and with someone like you, let's see. Yeah, the unknown. Shopping is crazy. And that could be things like Amazon, Walmart. Pull up your Amazon right now. I want to see what's in your cart. Is there in your cart? Let's see, what's your saved emergency fund?

[B]

Currently zero.

[A]

Okay, so you can't even cover an 111000 hour emergency. If it wasn't for your boyfriend, maybe you would be on the streets because how the would you cover something when it pops up? She has 34 things in her cart. She has 34 things in her Amazon cart. She has some sunglasses, crochet kit thing hanging cute. Crochet car. Bull fucking. He can't read her you cat license plate. Oh, we know who she is. Off we go. Compatible Nissan key fob. Nissan key fob. Cat nip toys. Cat collars, cat pillows. Are getting a new kitten.

[B]

Possibly.

[A]

No, you shouldn't. Don't. Do not. That is irresponsible and disgusting and selfish of you. You cannot financially take care of a kitten. Kitten. A lot of medical expenses, lots of vet things out of the gate. Kitten becomes cat, cat becomes vet emergencies. You cannot take care of Them you cannot provide the high end food. It is selfish of you. You want a cat you cannot take care of a cat. That is disgusting. Okay, catch. Cat chews scar gel cat case hurt my keychain Bull A big pig stuffed animal. I don't know how to cook cookbook. Well sign up for the annual version of our budget nap and you'll get this for free. You get it for free because you're a guest. Obviously. Thank you. La fufu it looks like. And then it's a labo. This is not a labo. Boo. This is a $17 original SK Gori Shi Honey Sh Roomi series Fox fox Captain America key holder ring because we need everything in the stupid world. A Kirby pop out costume.

[B]

That's for Halloween.

[A]

I can't tell the difference. Kirby jet stream 3 collar ballpoint penny Dr. Pepper candle.

[B]

I love Dr. Pepper.

[A]

Well try diet Dr. Pepper.

[B]

I like Dr. Pepper.

[A]

Zero diet cherry Dr. Pepper is like top tier beverage by the way. Going to throw that out there. Young Carol framed black cat wall art Monster juice monster Monopoly Supernatural.

[B]

That's my favorite.

[A]

Original rocko roomie holiday series Blind box I like sign X original plug series Blind Bo I like buying boxes. Too bad Shut the up is what you're gonna do instead. Sonny Angel A Mosfan hipster Series Figure X Medicube 4 pads for your face what about it? What are you doing? I don't care. Captain America shield Lefoufu Cat hat Pureology Color Fantic Maxine Bull Dumb stupid Great Celeste her card. I didn't even go through her purchases. I assume we're gonna do that so. Yeah, no it just impulse bullsh no plan whatsoever. Don't have a thousand dollars if your boyfriend breaks up with you. Good the luck you wouldn't be able to survive. How long have you been in this relationship?

[B]

We make a year next month.

[A]

Good luck. If this relationship dies. Oh, you're closer to homelessness than you are confessing.

[B]

He co signed a car for me.

[A]

Let me see a picture of this man. It won't be on camera unless we get consent. Obviously. Do we have consent to put it on camera?

[B]

I would have to ask him.

[A]

Oh, he's a septum piercing. That's usually for the other side, but okay.

[B]

What do you mean?

[A]

Well, he's the septum piercing male and yeah, usually it's women.

[B]

I don't want my septum done.

[A]

Good. I appreciate that, but it's just. It was a shocker to see he also has gauges. Yeah. Yes he does. And you Think this isn't that bad then, huh? That's what we're hearing. Colton thinks you might be the biggest impulse spender we've ever had since he started.

[B]

Because I still have my basic necessities.

[A]

Dude, you don't pay for your largest overhead for the average person, which is rent. You're subsidized by your boyfriend, and yet you still blow it all.

[B]

I help with bills, though.

[A]

Groceries. Come on.

[B]

No. I help with Internet and gas.

[A]

Oh, yippee. That's not even close to rent.

[B]

That's something.

[A]

It's something. I'm not saying it's nothing, but it.

[B]

Is there for free.

[A]

But it's not. But it's not comparable. It's not comparable.

[B]

It's not like I live there for.

[A]

No, no. She fills her tick tock shopping cart like it's. Show me your tick tock shopping cart. Like, oh, what are you doing? What kind of creature are you? Why?

[B]

I wish I knew the answer. Sorry. Sorry about that.

[A]

So you're never behind on your bills then, is what you're taught me.

[B]

I've not. I'm not going to lie. I've been behind before, but I.

[A]

When was the last time?

[B]

Not within like a year or two, I feel like.

[A]

By the way, it was April.

[B]

When? Which one?

[A]

April. No, that's the one. The month of April. April.

[B]

But what was I late?

[A]

I don't have that data. But that's what you. We've established. You and the producer.

[B]

That might. That might have been credit one.

[A]

What do you think behind. What do you think? What do you think qualifies as behind you, dude? Oh, good. We got gel, pens, headphones.

[B]

I like pens.

[A]

Breathing nasal strips.

[B]

I snore. Yeah, you probably do too.

[A]

No, stop. The cap.

[B]

I'm surprised, girl.

[A]

I'm sorry. I don't think we should do the comparing game. I'm sorry. A hat. A tumbler. Solid color bathrobe. Another tumbler. Another tumbler. Another tumbler.

[B]

I like cups.

[A]

Wi Fi. Oh, good. I'm glad. That's. I'm like, woo, Yippee. You like cups?

[B]

Yep.

[A]

Snoring last night. Zero percent.

[B]

You do that with your apple watch?

[A]

I do this with eight sleep.

[B]

What's that?

[A]

They were a sponsor. I. I mean, they're not sponsoring this episode, but they are very good. For what it's worth, I bought it before they were a sponsor.

[B]

It's an app.

[A]

Oh, they are a sponsor. Well, no, no. It's like it cools and heats your bed, but it also tracks your stuff.

[B]

I need that Cuz if I. If I had the money. Why If I had the money.

[A]

You do not. It is a high priced item but for those who can't afford it, it's pretty sick. I'm not gonna lie. Zero poor pass again. Lavender Opal. Dude, you're just filled with. This is just. You got a cosmetic bag? Little. What is this? Cushion cushion. Woman's lane. Cork foot more put on you love Foo foos. Wearable blankets. Dude, why don't you just.

[B]

Some of that's for my boyfriend.

[A]

Can you like just act like a normal person?

[B]

Some of that for my boyfriend.

[A]

We got. We need a little.

[B]

Need to buy him a gift.

[A]

His birthday pass. And you didn't get him the gift already? Wow, I'm glad he's subsidizing you.

[B]

I already got him new work boots.

[A]

He's really taken care of. Oh wow. His favorite. Sunflower wall hook.

[B]

He asked for those and I got them.

[A]

He asked for them? Yeah. Don't worry. Bumper sticker. Floating alumni. Dude, this. Oh, this is Atlas the walking Taco. Nacho cheese. Bull Dumb. I'm gonna die.

[B]

I got bored on the drive over.

[A]

Huh?

[B]

I was.

[A]

Were you driving?

[B]

I was at rest stops. I had to rest. New Orleans is far.

[A]

No, it's six hours.

[B]

Seven.

[A]

And I'm as far as road trips go. That is not that bad.

[B]

By myself. I've never driven that far.

[A]

You had to stop and actually rest. Rest?

[B]

I've been up since 6:30 yesterday. I had work yesterday.

[A]

You didn't sleep last night.

[B]

I left at 7 last night.

[A]

Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Why? Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it check them out at yrefi.com hammer that is yrefy.com hammer or call 889-733-978. That is 889-733-978. Break free from the high interest trap and under control once and for all. So you didn't sleep last night?

[B]

No.

[A]

The math isn't adding up.

[B]

I've been up since 6:30 yesterday. Yesterday?

[A]

Well, I guess if you took an hour rest at every rest stop. Once an hour. Yeah, that would make sense.

[B]

Yeah.

[A]

Okay, so your rest stop equals adding things to your TikTok cart. And it was about. It was a th.000 bucks in there.

[B]

I was.

[A]

That's half your monthly income. In fact, more.

[B]

I mean, more than $1,000 a month.

[A]

Oh, you weren't. What did I just say? Can you tell me what I just said?

[B]

That's more than my monthly income. Half. You said half.

[A]

There you go. You put it together.

[B]

I know.

[A]

Just like you were late for your boyfriend's birthday. You were late to my last sentence.

[B]

He got his gift early. Cause we thought it got lost.

[A]

Oh, boy. So why do you. Why do you think you have this impulse, Bunny, from your own perspective. Let's get a little reflection here.

[B]

So when I was younger. Well, I just know stories going way back.

[A]

Okay.

[B]

My mom did pass in 2009, so I know like, I hear stories from like my aunt and stuff.

[A]

Stories? Stories of what?

[B]

Her impulse benef.

[A]

Wait, hold on. Okay.

[B]

And I, like.

[A]

Let me clarify this with. Let's start with the sympathy. I'm sorry your mom passed away.

[B]

Thank you.

[A]

That sucks. That's horrible. I will literally break when my mom passes away. It's going to be the worst moment of my life by far. Number two, you hearing stories about how your mom was an impulse spender is why you're an impulse. You don't even witness her being an impulse. She heard stories.

[B]

I wouldn't.

[A]

Why are you saying you heard stories?

[B]

I have heard stories. And that like kind of triggered some memories of her dragging me to Kmart with her.

[A]

This. That's why you think you can't control yourself.

[B]

So she would see something and feel the need to buy 10 of it and try to justify, oh, this will be a Christmas gift for this person. This will be a birthday gift for this person.

[A]

Do you hear how you're talking? Do you hear how you're talking, lady? You're showing how she was bad at it. Yeah, when I saw people do bad things, I do the opposite. I'm confused. What are you Saying here, I don't.

[B]

Want to be this way.

[A]

Oh my goodness. Okay, so there's. There's absolutely no responsibility on you.

[B]

I feel like I picked up those tendencies from her though, man.

[A]

Dude, I don't even know. Oh, good. Your mom used to open up credit cards and other people's names as well.

[B]

Yeah.

[A]

Oh, okay. Yeah, maybe like mother, like daughter.

[B]

No, I have never done that.

[A]

We'll see about that.

[B]

No, that's. I'm not like Jenny from Ginny and I mean Joey.

[A]

The car was just totaled last week.

[B]

Last month. It was last week when I spoke to the producers.

[A]

Oh, what are you doing?

[B]

So I've gotten a new car since then. That's the one that financed. Yes.

[A]

Was there, Was there financing on the last car?

[B]

Yes.

[A]

Did the Gap cover it?

[B]

Yeah.

[A]

Oh, thanks first.

[B]

Whatever.

[A]

Dude. People. People around, man. How do you know you can break. You can break little rules within your insurance and then cover it? Oh, yeah.

[B]

I didn't know that.

[A]

Well, I'm glad you did it.

[B]

I got an email last night saying that the last payment was made to the lien holder for that car and my credit score went up.

[A]

Well, I guess you're winning. I guess you're winning.

[B]

I mean, I think I'm doing better because I'm not having to pay rent.

[A]

And it helps.

[B]

I moved in quicker than I wanted to with my boyfriend, but that's because I got kicked out of my last living situation.

[A]

For what?

[B]

So I was living with my ex's mom.

[A]

Wait, listen, you moved in with your ex sooner than you wanted to, but the reason is because your ex's mom kicked you out?

[B]

No, I moved in with my current boyfriend sooner than I wanted.

[A]

Oh, your ex's. Oh, your ex. You were with your ex's mom?

[B]

Yeah.

[A]

While dating your current boyfriend?

[B]

He was okay with it. He trusts me.

[A]

But why'd she kick you out?

[B]

We have different views on like politics and stuff. And you guys talk about it because she brought it up. And I kept asking her to be quiet because she was being really ignorant and just.

[A]

She was being really ignorant?

[B]

Yeah. And I told her that she was so close minded that it's disgusting.

[A]

What is ignorant?

[B]

I don't know if I'm allowed to talk about it.

[A]

If you're allowed to, like, you sign an NDA, no.

[B]

People might be offended.

[A]

What's the ignorant? I'm. I'm curious. What's so ignorant that you got kicked out?

[B]

Trans people shouldn't be allowed in, like the gender that they identify as restrooms. So, like A transgender woman shouldn't be allowed in a woman's restroom.

[A]

Are you trans?

[B]

No.

[A]

But why was this conversation happen? Why'd she kick you out for it?

[B]

Well, I don't know how it started. I was talking about a cruise that me and my friends were supposed to be going on. It got canceled. We're not going. Yeah. And then something about like the tariffs got brought up and then we started talking about Trump, and then that got brought up somehow.

[A]

If you guys know you're on opposite ends, it's like, I started it.

[B]

I wasn't talking about politics.

[A]

You wouldn't be involved in the conversation though. It would not have continued to go down the road if you weren't continuing the conversation.

[B]

No, no.

[A]

You weren't just sitting there and she was like, tariffs, Trump.

[B]

No. So she mentioned tariffs. And I, I did say something about Trump because I told you I thought that it was his fault, but she was like, no, it's not. And then like in Mexico and stuff. Do you know how he raised the tariffs?

[A]

Like, yeah, I'm just confused how. What you're even talking about. Okay, whatever. It doesn't matter. Okay, so you disagree with politics and she kicked you out.

[B]

So I told her that she was so close minded that it's disgusting because of what she said about why would.

[A]

You attack the person that's keeping you over their head, which is going to your room. Just like seclude.

[B]

She was attacking me. She was getting loud with me.

[A]

Well, she doesn't like your position. That's fine. Separate. We have to separate, guys. The politics cannot be a battle.

[B]

I was trying. And she just kept saying, why? Because you know I'm right. Why? Because you know I'm right. Because I kept asking her to be quiet. And then when I told Kevin, no.

[A]

One likes to be called ignorant and close minded, though obviously she viewed that as a personal attack.

[B]

Well, yeah, but then she started throwing the stuff that she's done for me in my face.

[A]

Well, yeah, I mean, she's allowing you to stay there. That is probably a truth.

[B]

Yeah, I was kind of living there, run free, so.

[A]

So. Yes, but again, just separate.

[B]

I was trying.

[A]

No, you were not. From everything you've said. No, you were not. You both enabled these.

[B]

I was trying. I was trying to my lunch for work the next day and then I was gonna go in my room and when I said the. What I said about her being ignorant and close minded.

[A]

So you're like, you're ignorant and she kicked you out.

[B]

She said, because I had mentioned to her that my boyfriend wanted me to move in within the next few months. This was back in like February.

[A]

Boyfriend? Trans?

[B]

No. I have friends that are like lgbtq, so. And I have like one of my childhood best friends is trans.

[A]

Okay.

[B]

I just, I was like, trying to think.

[A]

It's not a productive conversation to have if you guys are completely opposite ends of the things that I like. I don't get it. It's just like I wouldn't have that conversation.

[B]

She's the one that brought up the truth.

[A]

You could have stayed quiet if we were playing that diplomatically and you were just throwing.

[B]

No, I was. I was trying to stay quiet, but then she started.

[A]

Great, okay, so she kicked you out.

[B]

She said, you know what, you can go pack your bags and leave now instead of in a couple months.

[A]

What do you call a trans nephew?

[B]

Huh?

[A]

What do you call a trans nephew?

[B]

I don't know.

[A]

A nibbling. We learned that on the show. And that is a hilarious word. Why did they choose that? What the. What are we doing? A nibbling. What is that? That's your gender neutral nephew.

[B]

Wouldn't it just be a child?

[A]

Better not question it. You will be ignorant. You'll be very ignorant real quick.

[B]

I'll be ignorant.

[A]

It is. It is a nibbling.

[B]

It sounds like you're nibbling on something.

[A]

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

[B]

But yeah, she kicked me out and then the next day she tried texting me, say like Apologizing and saying that I could come back.

[A]

Well, there we go.

[B]

I didn't want to go back. Well, no, because she said some really hurtful things.

[A]

You both said hurtful things to each other. Come on.

[B]

She was throwing the stuff that she's done for me in my face.

[A]

Well, she was doing things.

[B]

I know, but she would constantly tell me, oh, don't worry about it. Don't worry about it. Like, I'm doing this for you because.

[A]

You'Re like a daughter. Listen, you guys were in a hostile conversation. That bubbles up and it comes out. That's where it comes out. It sucks. But that is.

[B]

I didn't say anything to that extent to her, though.

[A]

Come on. You both find different things insulting. We're all individuals in this. We find different things.

[B]

She basically called me a freeloader and said, good luck with your boyfriend because you're not going to be paying any bills when you live with him.

[A]

She was attacked. I'm not. I'm not saying what she said was good, but you were attacking her. She attacked back. It wasn't great. And also you kind of are freeloading on your boyfriend.

[B]

I help with bills. I help more than I did with her.

[A]

Well, because you did nothing.

[B]

She told me. She told me.

[A]

I know, but literally, if you provide $1, you're providing more than what you did with her. So, like, yes, a quarter.

[B]

She would tell me, like, if you can't give me anything this check, that's fine.

[A]

No, I'm not arguing against it. I'm just saying obviously, yes, you providing literally anything is more than what you were doing. Yeah, you still are kind of not doing much. Okay, great. Listen, zero to 10, what do you think your financial score is? Zero being the worst, 10 being the best?

[B]

A zero.

[A]

Good. Reasonable.

[B]

I'm like a negative 10. Probably.

[A]

That doesn't exist. If you want your Hammer financial score, figure out where you stand in the world of finance. To see where you're failing, see where you're doing really good. Take the assessment@caleb hammer.com it is free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar wise budgeting app. Sign up for the free trial. If you like it, you can save a lot of money by signing up signing up for the annual version. And when you do, I'll sign a budget friendly cookbook that I made and I'll mail it directly to you. And you can also bundle it with all of our educational products together by joining Dollarwise Central that is 80% off. Go to Dollarwise.com learn more. Let's do this thing.

[B]

Are those veggies real? Huh? Are the veggies real on the COVID Yes. Okay.

[A]

Yeah, I was taken to my house.

[B]

Cute.

[A]

Okay. Oh, credit one. We're gonna open with a credit one. The indication that we are credible with finances because we're not doing that bad. It is indicative of. Oh, you probably have to. One everyone's favorite. Okay. Oh, if we're not over the limit.

[B]

That'S probably from interest charges.

[A]

Let's see. Well, no, you actually were already over the limit. The only way interest charges would push you over the limit is by you not making a payment on time and get hit with late fees and whatnot. Didn't happen this month. Looks like it happened in April.

[B]

Yeah.

[A]

Because that's what pushed us over then. Your minimum monthly payment isn't enough to pull you under with how over you went. What's going on with this card?

[B]

I wanted something that I didn't have the money for. I don't remember that card.

[A]

You don't even see, this is. And that's a couple years old. And this is that. That's. It's been maxed out for a couple years.

[B]

Yeah.

[A]

And that's why. This is a broken philosophy that you have with the spending money on things because you don't even know what you got. It's something so ignorance insignificant that it doesn't even matter. It doesn't positively impact your life today. Yet you are paying interest on it today. You are paying fees on it today. You are paying late fees on it today. And now you're over the limit today on something you got a couple years ago that you don't even remember.

[B]

It could have been food.

[A]

It could have been, I'm sure. I mean, you spend a ton on it. So $41 is your minimum monthly payment. Takes three years to pay off if you do minimum payments on time only without purchasing anything. And I bet if there was room to purchase, you would listen. $85 of fees, 117 of interest. This is crazy. And of course, this is at a 28.24% interest rate.

[B]

I had almost paid off before, and then they upped my credit limit.

[A]

How does that.

[B]

So I started using on it again.

[A]

But wouldn't you still had, like, available credit if you almost had paid it off? Why does them upping the credit limit all of a sudden be like, oh, let's go.

[B]

I saw that I could spend more, and I found something that was.

[A]

That I wanted of which we don't remember. Yeah, I mean we know that you probably got through your purchases that you've talked about with Colton. $120 AirPods phone upgrade. You know, $140 to pay the difference. I mean $100 minimum on fast food a week still. So it's like.

[B]

That'S why I had that cookbook in my Amazon cart.

[A]

In the cart? The cart wasn't even purchased. It's in the cart. You're still considering whether or not you want to cook.

[B]

I. I want to cook. I want to learn how to cook.

[A]

What's complicated about cooking?

[B]

So I messed up making like pre made brownies before.

[A]

Like I don't.

[B]

I guess.

[A]

Okay. Do you go out a lot or you like a stay at home kind of person?

[B]

Like eating?

[A]

I don't know. Just in general.

[B]

In general, I'm more of a homebody.

[A]

You're a homebody? Then why the are you not cooking if you're just at home? I guess that just leads to doordash probably.

[B]

Groceries are expensive.

[A]

Not as expensive as doordash. What? I don't.

[B]

Doordash. I'll go like go and pick something up.

[A]

It's not as expensive as that.

[B]

It depends.

[A]

No, it does not.

[B]

My meal at McDonald's is like 6 $7.

[A]

Great. Your meal. Meal prepped would be less.

[B]

I doubt it.

[A]

It. Well, I can get you. I can get you at per meal. If we call it a 28 day month divided by 3. I can get you at per meal. $2.90 if we're meal prepping. Yes. That is the math we've proven. And we check it once a quarter to make sure it still works. And that's using the recipes in that cookbook.

[B]

That's.

[A]

But that involves meal prepping. I would never like brand new meal three times a day.

[B]

I know. I understand that.

[A]

Okay.

[B]

I eat leftovers.

[A]

Dude, you're a homebody.

[B]

Yeah.

[A]

Why the what are we doing? If you're never leaving, why can't you just stay home and cook?

[B]

Because my boyfriend asked me, hey, do you Want to get McDonald's?

[A]

And your answer is no.

[B]

My answer is yes.

[A]

Well, your answer should be no. I mean, I'm being told all you do is literally just watch TV if you're not at work.

[B]

So yeah, cook.

[A]

You have all the time in the world.

[B]

It gets hot in the house. We don't have central AC and it's gas.

[A]

You're already there.

[B]

But it gets hot in the house.

[A]

And I don't like vent it out.

[B]

How we don't have central ac.

[A]

Vent it out in a window in a fan, you dumb tit.

[B]

I guess.

[A]

You guess it's hot outside. Oh my. Yes. But you can vent it out. If it's hotter outside than in, then close the window and just cook again. You're meal prepping a couple times a week. The rest is just warming up what you meal prepped. So it's not like that impacts every day anyway. There's lots of cold meal preps in there as well. Overnight oats and like that. Salads.

[B]

I like salad. I love salad. Okay, maybe I'll get a big salad and like a tub of ranch with some grilled chicken on it.

[A]

Tub of ranch.

[B]

I love ranch. Outback ranch is so good.

[A]

Oh, Outback ranch specifically. Okay, yes, yes. Let's not use ranch anymore because one, expensive. Two.

[B]

I love ranch.

[A]

I love ranch too. I also love making it to the age of 60.

[B]

Okay, what about Caesar dressing?

[A]

Dude, any dressing is okay if you use it in a reasonable amount.

[B]

Yeah, valid.

[A]

You are not.

[B]

Well, you're saying not to use ranch.

[A]

At all in a reasonable amount.

[B]

Okay, I might be able to do that.

[A]

Buddy. Let's just talk about. And this sometimes upsets people, but I don't really give a pearl. Clutches are weird. There's. You're gonna have to make big sacrifices to budget to get out of debt and to have a fully afforded emergency fund and get on track for retirement. There's also no point of doing any of that if you're gonna die at 40.

[B]

That's around the age my mom died.

[A]

That's not surprising. Were you guys similar?

[B]

She had a massive heart attack. So are you.

[A]

Were you guys similar?

[B]

Like, was she fat too?

[A]

Yes. Morbidly obese. Let's be honest.

[B]

Well, yeah, she had a heart attack.

[A]

I don't know. People have heart attacks that aren't. But that is a. That'll get you there a lot quicker.

[B]

As far as I know. My heart is fine.

[A]

Buddy, you're 27. Yeah, that can happen in 13 years. It can go downhill real quick.

[B]

I'm hoping the hope isn't.

[A]

What does it. I'm sorry. No, no. We need to talk objective things. It's not a fashion anything. We got permission to do all this. Blah, blah, blah, blah, blah. She gave us all the consent in the world. So that's why I'm doing this. I want to go up to a random person in the street and say this. You're morbidly obese.

[B]

I know my BM is like over 50.

[A]

Oh, yeah. That's bad. Yeah. 40 is like kind of where you're gonna be concluding this mission of life that's not good for your boyfriend if you want to be together longer. Selfish 2. What's the point of sacrificing all this if you're not gonna actually do it? And I usually hate that argument for most people because when most people say it, statistically, they will live into their 60s, 70s, maybe even 80s. So it's like no sacrifice for the statistical likelihood that you're going to do it, that you're going to make it there.

[B]

13 years is a lot of years to still live.

[A]

It's a lot of years to still live. But it's like you will be sacrificing during that. If we're. If we're doing this correctly. But I mean, that's 200 milligrams of coffee right there. With a heart that you already have. That is surrounded by.

[B]

I am running off of.

[A]

I understand. I'm just saying I want us to be objective here. We're talking about. Sure, yeah. Talking about morbid obesity specifically is in a financial conversation, but it does involve the entire life that we're having here. What is the point of sacrificing? To pay off all this debt, getting fully funded, emergency fund and save for a retirement you'll never see. Your mom morbidly obese, had a heart attack at 40 and died. You are living the same lifestyle. BMI over 50. Terrifying. And I know I'm a fat. I get it.

[B]

You're being housed probably like 20.

[A]

I'm barely in the obese category. I'm almost 100.

[B]

We love that.

[A]

Yeah. They're monthly mukbangs and the Hammer elite membership is not helping. But Cheesecake Factory, this last time, not helping.

[B]

I've never had Cheesecake Factory.

[A]

Don't.

[B]

Okay, I'll take your word for it.

[A]

Well, a slice of cheesecake is over a thousand calories.

[B]

Really?

[A]

Yes. Okay. Either way. Do you understand what I'm saying?

[B]

Yes.

[A]

And this, you meal prepping, cooking at home is a. Kill the bird with two. Still kill bird. No. What is it? What is it?

[B]

Kill two birds with one stone.

[A]

Yeah. Well, yeah, two birds with one stone. Living longer via getting healthier. Finance is good. We like that. What? This isn't even like a sexual thing. What does your do this. Mine doesn't.

[B]

You have.

[A]

I. Okay, so it's very important and it's a very serious thing. Okay. Like, yes, we make jokes and roasts and stuff. As you were well aware and are well aware yes. That's for the fun of the conversation. Ha ha. Hahaha. That's real. I do not want you to follow your mom's footsteps and there's no point of doing this if you.

[B]

I don't want to follow her footsteps either.

[A]

You're doing nothing to change it. I'm sorry. You've probably only got. Come on. What's. I'm sorry. How much do you weigh?

[B]

My biggest. I've been like 302 right now. 287.

[A]

And how tall are you?

[B]

5 4ish. Hi.

[A]

Listen here, Financial Audit. I've curated the exact resources and tools I personally use when I or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to webull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amounts and up to 8.1% APY on your money and up to 3.5 matches for your Iraq. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up. Incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to helium. Get a literal zero dol a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com you will not regret any of these. Change your life today. Yeah.

[B]

Okay, so if only I was taller.

[A]

I don't think that's the issue we're dealing with here. Okay, so time to take it seriously. And you're not. You don't want to follow your footsteps, but you're doing nothing to change that.

[B]

I feel like I don't have the motivation to want to be healthier.

[A]

Okay, here's a motivation. You won't die in 13 years. If that's not a motivation enough, I don't know what is. Death. Death.

[B]

Who knows what my life will be like in 13 years?

[A]

Dead probably unfortunately happened to your mom and that sucked.

[B]

She died in a GameStop parking lot.

[A]

It's the ultimate way to go out.

[B]

But she was behind the driver's seat. She was about to head home and like it happened and she.

[A]

Okay, I'm sorry.

[B]

I'm sorry. I'm not trying to be morbid.

[A]

You're. Well, you're not. No, you are to yourself. That's why they call it morbid obesity.

[B]

I was about to say that.

[A]

Well, no, I mean, that is. I think that's why. Okay. I think so. Okay. Amazon chase card.

[B]

Yes.

[A]

$712.76 on here with a minimum payment of $35. Two years to pay this off. You're purchasing still on a card that is over the limit. This is also over the limit by 12 bucks. What are we doing?

[B]

That was probably my prime membership.

[A]

Maybe pull out your Amazon for me. 107. An interest is here so far. I want to see what you've purchased. We saw what's in your car. I want to see what you purchased, what you're buying on Amazon. So ridiculous, all this interest occurring 107 this year so far. Substantial balance in these minimum payments are going to stack up for your income.

[B]

I. I understand that and that's why I feel like I'm in the position I am is because of all the minimums.

[A]

Okay, here's the purchases. We got some bras. We got love stuffed animals. Hammock. Oh, my gosh. Hammocks for our stuffed animals.

[B]

Yeah, I had a lot of stuffed animals.

[A]

Stop, stop, stop, stop. Hypoallergenic. No. Stud. Women. Men. Surgical. Something. OK. 16, stainless steel keychain. This is all just so stupid. Dude. Magic John Tupac iPhone thing. You already started getting iPhone stupid. Great. I don't give a. Okay, I don't care. You have no money. What a dream. Labubu case. She got a Labubu case protecting. Oh, we're dying. Ladies and gentlemen, the. The La Boo Boo gods. Heard me about the. On this La Booba purchase and I'm.

[B]

Not even using the case as the thing.

[A]

She's not even using the case as the thing. She got a protectorate case and then she doesn't even use it. She just keeps it on her dumb. Oh, siding box. Matt. That's thing for iPhone. That's for my boyfriend. Flip flops. Just cover your toes, please.

[B]

I am today.

[A]

None of us need that covering them today. Velvet cloak with hood.

[B]

That was from my boyfriend. He was. We were watching Harry Potter and he was feeling very wizardy.

[A]

Oh, I hate you guys. Oh, I'm sorry. What the. What you. You're 27.

[B]

I'm not even really into Harry Potter like that. What house are you?

[A]

What do you think?

[B]

Ravenclaw?

[A]

Slytherin.

[B]

My boyfriend is too. I'm a Hufflepuff.

[A]

Every entrepreneur and business owners in Slytherin.

[B]

Really?

[A]

Yeah. Tress Wellness Hard Wax.

[B]

I had to watch.

[A]

More plushy. There's some closed toed shoes.

[B]

Thank I'm wearing them right now.

[A]

Good. We're lucky. We're blessed. Oh oh. I got to note that you were absolutely thrilled and absolutely gushing on the phone with Colton that you found out you can affirm on Amazon.

[B]

Yeah.

[A]

Wonderful. Great. New financial unlocked.

[B]

That's what most of my firms usually are is Amazon purchases.

[A]

Well something else we will be getting to affirm then Merrick Bank Visa. So okay. It's a credit card.

[B]

Yes.

[A]

Purchasing again on a card that is over the limit. This is three in a row. We've looked at three cards that are all over the limit. This one's over the limit by 12. What the are you doing? You don't care about anything. You don't give a do you?

[B]

I do.

[A]

Dude. You're over the limit on the three cards we've looked at. Please explain to me any kind of indication that suggests you care.

[B]

I'm here.

[A]

That is. Come on. That's exciting. I'm glad. But you haven't shown in your actions that you care. Good. You stand in front of a camera for two hours. I mean that's not insignificant. I don't want to discount that. But it's like you're not doing anything in your own actions and finances.

[B]

That's why I'm here. Because I want to be able. I want to be able to take those actions and be better.

[A]

I hope so. $612.60 minimum monthly payment. $35. What?

[B]

I was confused because when I first opened the card it was like a 500 credit limit probably went up. It did great.

[A]

I remember because then I just then interested. 14 hours. 86 cents of interest accrued after you purchase. Pushed it up above. Great. Listen, you can use the FIZ card at least. It's a debit card that builds credit. That's what I would allow you to do. And if you ever want to get a big girl job I'll get you a course career certification so you can build your resume and do that. I'll help you with either of those things. But listen, what's the critical purchase? We did McDonald's shocker laundry. Cat, you don't have laundry in apartment. Okay, that's fine.

[B]

We'll budget that in started going to my aunt's house. She's like 15ish minutes away from.

[A]

Well, that's fine as well. And if you have to pay for laundry, that's okay. Like it is. Like, if you don't have it in. In the place, that's fine. I'm okay with that. But the McDonald's, what the are we doing? And then pushing it above the credit limit. Not paying off a card takes two years to pay off minimum payments without purchasing. But you can't not go to McDonald's. That's all you do.

[B]

It's like five minutes away from the house.

[A]

Why does that matter? It's money you don't have.

[B]

It's right there.

[A]

Why does that matter if it's money you don't have? There's McDonald's everywhere. That's kind of what they're known for. What's your McDonald's order?

[B]

So lately I've been getting like the two cheeseburgers and a fry. Like the two cheeseburger meal and a fry.

[A]

Two cheeseburgers?

[B]

Yeah. They're small. Sometimes I'll get hot and spicy.

[A]

Huh.

[B]

Sometimes I'll get a hot and spicy and I don't know what that is.

[A]

No drink?

[B]

Yeah, I'll get either Dr. Pepper or.

[A]

High C. What size? Large. 40 years old. Huh.

[B]

I feel like I balance like the sodas out because I do drink a lot of water.

[A]

I wish. I wish it wasn't so sane that to laugh to. It's like you. That is your literal life. It's. It's. It's tragic. Okay. Capital one. What's going on with this?

[B]

Which one?

[A]

It's just. Oh, Platinum.

[B]

Which one?

[A]

I have two World. Huh? Capital. Platinum Card World, MasterCard World. That's what it says. I don't know.

[B]

Probably wanted something that I didn't have the money for.

[A]

Oh, good. Yeah. It's a balance of 508. Does that help narrow it down?

[B]

Not really.

[A]

How could I tell you which one then? If not the balance would even answer it. She's over the credit limit. Four in a row now. Four in the row now. She's over the limit. The limit's 500. You're over the limit of everything, dude. You're over the BMI limit. You're over on all the credit limits. You're just.

[B]

It was probably interest that brought it over.

[A]

No, you dumb. I'm sorry, I'm sorry, I'm sorry. I'm sorry. Shh. Quiet. That is. That is ridiculous. The interest alone. If you did not purchase and you made a minimum payment. Would not do it. It would never do it. Never. Never. Not even on a payday loan would it do it.

[B]

What did I purchase on that card?

[A]

I will get into that. I need you to know that it would not do that.

[B]

Okay.

[A]

The minimum monthly payment is constructed in a way where you will pay it off. It will not just endlessly go off. It might take forever, but it will be paid off. But if you make a payment and it goes $2 under the limit, then you make a $22.12 purchase. No. After the interest, then hits, it goes above. No. That's how it works. It's only because you purchased, because you made the choices. Choices. Yours.

[B]

What was that? Taco Bell or McDonald's?

[A]

It was doordashing. Which you said you didn't do, you dumb tit Popeyes. Then you went into a gas station and got probably a Celsius or something.

[B]

I usually drink Monster.

[A]

Great. You went in the gas station, got some monster.

[B]

Probably.

[A]

Is it Monster Zero?

[B]

No.

[A]

I like, for what it's worth. Those things are so calorically dense. They're insane.

[B]

What do you mean dense?

[A]

As in they have a ton of calories. Oh, for the amount that you're consuming. What. What is the calorie? Brandon, do you know? You. You drink that, don't you?

[B]

Celsius?

[A]

No. A monster. Oh, not a monster. That's disgusting. Well, no, no, no. We established on fatter. Fatter. It is actually quite yummy. But it's calories. But it's like, disgusting in terms of health. But it. But it's yummy. Like 200 calories. A monster.

[B]

That's 10 calories.

[A]

Yeah, because it's Celsius.

[B]

But the pipeline punch is so good. It's the best flavor.

[A]

I'm googling it. The normal ones, 30 is probably similar. It's actually a little lower for what it's worth.

[B]

Oh, really? 200 jazz hands?

[A]

We're on a diet.

[B]

Who's on a diet?

[A]

Great. So we got a monster and we doordash Popeyes. Of which, again, we said we did not do ever.

[B]

I never said I never did it.

[A]

It's kind of what you were at least suggesting through your language. Replay it, throw it in. Not as expensive as doordash. What?

[B]

I don't. Doordash. I'll go, like, go and pick something up.

[A]

It's not as expensive as that. Come on. That's what it at least sounded like with your words you were saying, because.

[B]

You made it sound like I only doordash, like, once. Did doordash.

[A]

I'm gonna die. This is crazy. You push it over the limit for monster and Popeyes.

[B]

I probably needed a monster that morning.

[A]

There's no such thing.

[B]

Yes, there is.

[A]

As need.

[B]

If I didn't get a good night's sleep, I need something to keep me awake.

[A]

Buddy, Then you are just keeping that cycle going.

[B]

What do you mean?

[A]

If you are overcompensating by not getting enough sleep and not keeping your caffeine at a baseline level, you're overcompensating. You are gonna make it harder to sleep still.

[B]

It's not that I don't get enough sleep. I just don't sleep good.

[A]

No. I'm sorry, but that. That is how that works medically.

[B]

It's probably because I have sleep apnea.

[A]

Yes, that's what I'm saying.

[B]

I'm supposed to have a CPAP machine.

[A]

No. Yeah. Let's just get to the grave quicker. Come on. I'm not saying that it's an insult. It's just, like, not a surprise. It's like you can solve these issues by doing just a couple of things that we're talking about that also improve your finances. Okay. Interest. Yeah. 82 bucks. Yeah. 29 rate. Okay. We got a Venture One card. Okay, what's going on with this? Is it I probably got something I couldn't afford? Or is there a little more information? Perhaps a little more reflection?

[B]

I want to.

[A]

All right, ladies and gentlemen, get her on Rogan immediately.

[B]

What's Rogan?

[A]

You're a cable TV watcher. Is that what the TV you're watching all day?

[B]

No, we use streaming services.

[A]

Do you use YouTube?

[B]

Yeah.

[A]

Listen, it's okay if you don't watch, but the fact that you just don't know, I'm a little concerned.

[B]

I do watch you out of.

[A]

Just.

[B]

I was listening. Oh.

[A]

It's okay if you don't watch him. That's. That's fine. I'm not. I'm not advocating for that specifically.

[B]

Is he another finance dude?

[A]

It's just the top podcast. And it's okay if you don't like it or like it. I'm not. I'm not.

[B]

I'm not.

[A]

I'm not suggesting that. I'm just like. It's literally the top. So it's like. How do you not know that? Like, what cultural blindness do we have? Yeah, I lost the paper for the last one. I need to know the minimum payment for the Capital One platinum that we went through.

[B]

All of them are 25. The minimum. 25. Yeah. All for. For all capital one ones.

[A]

Okay. This capital one venture is also a 25 at a $506 balance. It's over the limit. Good. Dude, this is five in a row. This is five in a row.

[B]

Five for five.

[A]

Colton saying all you watch is Supernatural, so I don't want to hear.

[B]

Yeah, no.

[A]

Well, then, yeah, I. I'm not surprised you don't know who people are.

[B]

I.

[A]

That's fine.

[B]

Use that card to go to a Supernatural convention.

[A]

This is Supernatural, an old show.

[B]

Yes, but they still do conventions. They still do conventions that we go.

[A]

Over a limit for?

[B]

Yes.

[A]

Oh, my goodness. From the cloaks to become wizards to Supernatural conventions to being maxed out on every card, plus more. Oh, what are we doing? There's just. There's no indication that you actually do care. I'm sorry. You say I care, and that's why I'm sitting in the seat.

[B]

That was a couple years ago. That was the reason I opened the door.

[A]

It doesn't matter either way. You are over now, and you got the cloak last month, so I don't want to hear it.

[B]

The cloak has nothing to do with Supernatural.

[A]

I am talking about your spending behavior. Why are you laughing?

[B]

I don't know. I'm sorry.

[A]

You're taking this seriously.

[B]

No, I'm. Yes. I'm sorry. Wait. No, that was. I am taking this seriously. I'm sorry.

[A]

Two years to pay this off. It was Disney Plus. Yep. There's a subscription we got. We're keeping Disney plus on a car that is over the limit. Well done. You're never gonna be debt free.

[B]

That's what brought it over the limit.

[A]

No. And that. Guess what? Believe it or not, charges on a reoccurring basis. So that's gonna keep it over the limit.

[B]

Yeah. Recently I made, like, a bigger payment. Like minimum payment. So hopefully it won't go over again.

[A]

Doubt. Cause that's not how this works, dude. It's just gonna keep going. Cause that's more. This is more money. All right. Another platinum card. So we'll call this the second platinum. $456.81. Wow. The first time. We're not over. Well done. You're about 40 bucks to get there, but okay. Thrilling. $25 minimum payment. Two years to pay this off. They're all two years. But that's if you don't purchase. And you didn't purchase on this, guys. Like the first one we didn't purchase on. So it didn't go over. I'm sure you will. Well, now that there's ability to purchase. 31.24% interest rate.

[B]

You don't want to know my car interest rate, huh? You don't want to know my car.

[A]

Well, in fact, I do. But we'll find out when we get to it. Sake.

[B]

Because if you think that's bad, well.

[A]

Okay. Okay. We have a target card of which we didn't send a statement. We sent that. We sent a screenshot of the download your statement page. And there's all the months of her.

[B]

Statements instead of actually is really small at the top. It wouldn't let me download it. I can try to read it for you. Okay.

[A]

Okay.

[B]

Oh, I'm sorry. I didn't know if you were nearsight or farsighted.

[A]

But I have glasses.

[B]

That doesn't matter.

[A]

366.60. You're under by 30 bucks. Yeah, I bet you're target obsessed, aren't you?

[B]

I used to be.

[A]

Time you get your steps in. $366, $30 minimum payment. 15 months to pay this off. Again, no purchases but $8.88 of interest this last month.

[B]

So if there's been no purchases. Oh, never mind. I'm thinking of something else.

[A]

Man, this just keeps going. Can we. Are we. Are we. Are we making a third fat stack week at this point? This is crazy. This week has been the most insane week of filming I've ever experienced. And that's why the wink. The wink. The ink is so dull. Because we've. We've just. We're just running out of ink with you people. This is crazy.

[B]

This black and white then, huh? Print in black and white.

[A]

Dude, this. This is.

[B]

That's orange.

[A]

Yeah, but the black and white is what's. Oh, you. You. I hate you. No, I don't. That's not true. Just. I don't. I hate that moment. Torrid. What's going on with torrid?

[B]

I purchase clothes with that card, like when I need them.

[A]

Why would you need more? You already have.

[B]

It was initially open because I needed some pants for work.

[A]

You did not have pants.

[B]

Not that specific type note. And it was Black Friday.

[A]

Okay, so we got 200 or $352.34 of pants. No single pair.

[B]

I. That. When I opened that card. That was the reason I bought it.

[A]

Right?

[B]

Opened it. That was. Yeah.

[A]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows. Exclusive and uncensored financial audit episodes. Our call in show. Hammer it out. Well then take the train. And brand new shows Fat and Fatter there is. That one is I would go off brand behind the audit. This was wild shop smart. And now upgrading from one livestream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. You guys are destroying your financial future. Spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment.

[B]

Yeah, it's getting a little tight.

[A]

$264 in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances.

[B]

How?

[A]

Just download the dollar wise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the dollar wise budgeting app today and take advantage of your free trial. And now. I mean, you're still purchasing. You've got something at torrid for 56.78.

[B]

That was probably a new bra.

[A]

You did not have bras. You did not have bras.

[B]

Not one that fit me properly, no.

[A]

Are our boobs fluctuating? Endlessly.

[B]

Different types fit differently. Like different styles. They have different styles.

[A]

Why didn't you have by 27 bras that fit you, huh?

[B]

That's not the only thing I've bought.

[A]

I'm just confused how you had to spend this like of 27 years you never got bras that worked.

[B]

I purchased more than bras with that card.

[A]

No, you said this was bras though.

[B]

This purchase, like the most recent purchases recent purchase was a bra.

[A]

And I'm confused how you did not have any bras that fit you.

[B]

Because I was buying the wrong style.

[A]

For 27 years, I guess. Oh, for sake. Okay, 11 hours and one cent of interest is accruing. Yeah, it's close to the limit. Least you're not over. Oh, you've had a late fee this year so far. Well done.

[B]

I don't remember that.

[A]

I'm sure you don't. 35. 35.99% interest. Oh, that's insanity. That is disgusting. Never even seen that on a credit card as far as I remember. Oh, okay, let's keep going. Let's keep going. Zabble. What the is a zabble? You. You're getting things that. That are just like made up British words. Oh, zabble. Oh, a good flabble zabble. My apple car so I can get my free bomb. What the Is this.

[B]

That's her credit card.

[A]

Wonderful answer, ladies and gentlemen. Get her on. Theo von Next, our interview queen. What's going on with it?

[B]

Perhaps I use it for food, I think mostly.

[A]

Okay, yeah. $26.58 of purchases, $8.84 of interest. Oh, we're over the limit once more. $301.63. $25 minimum monthly payment. Yeah, we doordash subway. So so far we've had a few going out to eats, but two out of three of them have been doordashing. And are we still sure the majority is not doordash? Because right now the majority is leaning towards doordash. I'm sure we're going to get a lot more our checking because. Oh, you spent a lot.

[B]

No, a lot of the like charges on my checking for food is like drive thru.

[A]

Well, it's funny because you don't have the room to purchase it on your credit cards or else you would. They're all maxed out in many over. Yeah, it's crazy. Why in your financial situation, $15 an hour, are we getting so much doordash in a month? Like that's insane. Is that not insane?

[B]

I'll bring lunch. Like, I'll bring like a frozen.

[A]

I don't even need to hear that. I'm asking, is it not insane that you alone are getting DoorDash at 15 an hour?

[B]

It might be insane. Yeah.

[A]

Yes, it is.

[B]

It might be.

[A]

It is. Quicksilver card.

[B]

That one may have been for an A purchase.

[A]

Wow.

[B]

Obviously. I'm sorry.

[A]

No, that took us 30 seconds to really get through that now. Really insightful.

[B]

I was trying to remember the exact purchase.

[A]

I can't even think of another interview show we should get her on. Let's get her on Jimmy Kimmel.

[B]

Maybe Amazon. Even though I have an Amazon.

[A]

You didn't even purchase, dude. You didn't even purchase. It's pretty close to max out. But you didn't even purchase. Okay, you made your minimum payment of 25 bucks and that was it. $6.31 of interest accrued. We've made it to a firm. Oh God. At a 36 interest rate. Oh, I'm losing hope on this one. Who's too many fat stacks this week. That is not making fun of your weight. That is the amount of paperwork. But I guess by saying I wasn't making fun of your weight, I called attention to us.

[B]

Even if you were, it's okay.

[A]

I know. Well, I wouldn't be saying it if it wasn't already allowed. I Don't just make fun of people without their permission. $447.50 is owed on here.

[B]

That is for concert tickets.

[A]

To who? The Fat IPs. I'm gonna myself take a wild guess.

[B]

Just guess.

[A]

Get me on Kill. Tony and Black doesn't even sound similar. What did I do? I'm like. I'm literally construct the noose. Every noose ever. Right now. I need to just.

[B]

You really are trying to make fun of my weight.

[A]

Huh?

[B]

You said the fat ip.

[A]

Oh, you're going back to that? I was making fun of myself though. How horrendous that was. Like it didn't. It wasn't even. It wasn't even bad enough to get a smirk from anyone in the room. You know how a joke can be so bad that it gets a smirk? Not even that.

[B]

So that's. I'm going to see 21 pilots in October.

[A]

What the have they been up to? There's 2015. They, they, they. That's. They're done.

[B]

Honest. Like Tyler said, after this tour, they don't know when they'll be touring.

[A]

Who's Tyler?

[B]

One of the guys.

[A]

Is that your boyfriend?

[B]

No, one of the guys in 2015 drop people.

[A]

Well, I don't know.

[B]

You said 2015, so I thought you knew who they were.

[A]

I know who they are. Why would I know their surnames?

[B]

I thought you knew their names. Because you knew.

[A]

No.

[B]

That they were popular in 2015.

[A]

I know a lot of bands. I don't know their names. Why the would I care?

[B]

Tyler is the like singer and then I know Tyler.

[A]

The creator's name is Tyler.

[B]

Well, the singer's name is Tyler too. But he said that they don't know when they'll be touring again after this tour.

[A]

Well, that's because they've heavily fallen off.

[B]

No, it's because they've been touring a lot. They have not heavily fallen off. Don't even play with me.

[A]

I. Dude, I like their music in 2015.

[B]

Have you listened to their new stuff?

[A]

Nobody has. That's the point.

[B]

I have. That's nice.

[A]

And I guess you make up for at least three people, so that's helping them get there.

[B]

But I was supposed to be going with a friend and her husband, but that's not happening anymore.

[A]

Which one? I don't care. Great. So you purchase something for is barely not even happening anymore. You're going along.

[B]

She.

[A]

Hey, what's your minimum with the payment on this 40? Well, this will be paid off in pie when you're 40.

[B]

She's still paying me for her and her husband's half because she went behind my back and bought concert tickets for a different concert that same day in a different a K pop group.

[A]

Now that seems valid. What do you mean? I don't know. But at least people listen to them.

[B]

You don't even know. You don't even know the group.

[A]

No, but K Pop is huge right now.

[B]

K Pop has been huge.

[A]

Exactly.

[B]

We just.

[A]

Guess who's not guess who is.

[B]

We just.

[A]

Sorry, I can't. Sorry. It's okay. Let's. Okay. What does this affirm? That is 120. I would never make these jokes if it wasn't for this book. I mean, kind of here and there with my friends. Sure. $126 80 at a 36 interest rate. What is this?

[B]

It's probably Sheen.

[A]

It was Sheen Wonderful for my Tulip Boo Boos from Sheen.

[B]

They're authentic.

[A]

You want me to jack you off? I don't. What do we.

[B]

I don't have that for you to do. That.

[A]

We can still call it that. But it's.

[B]

I can't get them off Pop Mart.

[A]

You shouldn't get them.

[B]

I wanted to.

[A]

Oh, my. Within the last year, she has affirmed $700 of La Boo boos.

[B]

Yeah, great.

[A]

Well, we're paying 36 interest on Lububu making a multi. Multi billionaire even more multi. Multi. Wonderful. And that fad's already kind of already going, so.

[B]

Not really. They're still really hard to do.

[A]

Oh, my goodness. Just like 21 pilots. Come on. It's like you're not recognizing the trend. They're not as relevant as they were a few months ago.

[B]

First of all, quit coming for 21 pilots.

[A]

They didn't do anything in 10 years ago.

[B]

Exactly. You might. I don't know what you listen to.

[A]

Sabrina. So chime and I like chime. I mean, they're the high yield savings account that we market. And I'm okay again with like, pay advance stuff. There are way to finesse it. You and people on the show do not. And it is anti you now, hopefully you're not even using that. You didn't. Okay, good.

[B]

I've used it once. You're talking about, like, borrowing from like my.

[A]

Yeah, you just get. Well, you get your check early.

[B]

But yeah, essentially, yeah, I've done it.

[A]

Well, okay. So nothing really happened in this account. Okay. Now, Experian Goodyear Tire.

[B]

Yes, I have a good year card.

[A]

Wish we could have gotten a statement for that, but Okay.

[B]

I sent a screenshot of your experience. No, of the Goodyear card.

[A]

Okay, well, I don't know. It's 100 or it's $1,125 with 25 over the limit somehow. Great. But what's your minimum to payment? 40. Great. Wonderful. What's the interest rate? Did you struggle to breathe?

[B]

No, I don't know my interest rate.

[A]

Okay, what's your minimum payment on that? Boo Boo.

[B]

Boo Boo. I think like 11 or 12.

[A]

Yeah, I forgot to write them down. Okay, best egg. It's not new egg. I don't know what best egg is. What's best egg?

[B]

That's a personal loan.

[A]

Good for. Oh, no. Yes, it totally is. $3,382.50. What? For what?

[B]

That was also for the supernatural convention.

[A]

Oh. What? This is $3,382.

[B]

The loan was for 5,000. It didn't all go to mortgage. How much did you like? A thousand.

[A]

Where'd the rest of it go?

[B]

Towards trying to pay my debt.

[A]

Oh, and that clearly works so well. And then the credit limit. If you do not change your behavior before you consolidate your debt, you will end up with double the debt.

[B]

I've learned.

[A]

Because they rank it right to back up here the up again. And this is another prime example.

[B]

I've learned that the hard way.

[A]

Wait. Oh, for sake. What did you do yesterday with this loan? Or the day before? You had a phone call. What did you do? What did you do? Tell them right now. Tell the audience right now.

[B]

I had to ask for an extension. No, because when I got in my car accident. When I got in my car accident in August, I was out of work for a few days.

[A]

This was told to Colton in the green room right before filming this.

[B]

Well, yeah, because I just asked for the extension yesterday because my payment was about to come up, like, literally tomorrow.

[A]

I'm glad we're getting Doordash within the last month. I'm glad we're getting Clarn of La Boo Boost within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime. Great. What is the interest rate on this thing? Huh?

[B]

I don't know.

[A]

Great. Well, neither do I because it's not on here. How do you not know anything?

[B]

I can look it up if you want.

[A]

No, I'm going to calculate it.

[B]

Okay. I asked for, like, next.

[A]

What?

[B]

I asked for a month extension and asked and they gave me two. So now I don't have a payment till November.

[A]

It's a 28% interest rate. 29. Oh, we went to a Pokemon convention, too. Wonderful.

[B]

Yeah, a couple years. No, last year.

[A]

All right, this. Oh, she has a payday loan.

[B]

That's not a payday loan.

[A]

It says payday loan.

[B]

No, that's pay.

[A]

Oh, it says payload. Sorry. I'm going from your existence in front of me. You're right. But the product is called Grow up. That would be nice.

[B]

I have. That's my Gerber life insurance policy that my mom took out for me when I was young.

[A]

Okay, well, that's.

[B]

And I took a loan out from that to try to consolidate my debt.

[A]

Oh, good death. Oh, you're. You're collecting infinity stones. This is insane. And what did you use it for?

[B]

To try to console.

[A]

What loans?

[B]

Credit cards?

[A]

No, affirm.

[B]

Oh, yeah, and credit cards. Cause at one point, I was having to pay a firm, like $100 per paycheck.

[A]

I'm gonna die.

[B]

That's how many I had. Okay.

[A]

Quiet. It's a silent moment. I need to focus on how much. This is insane. And how much I don't want to be in this episode anymore. Because how the do I even solve this? So what is it? This is Gerver.

[B]

It's a life insurance loan. Shh.

[A]

Quiet. We're whispering. This is a silent time. I'm developing an aneurysm from your numbers. What's your minimum monthly payment?

[B]

Lady, I don't have. It's still quiet time. Yes, I don't have a minimum monthly payment.

[A]

What the.

[B]

I pay it when I can.

[A]

2067.97. Is there interest?

[B]

They don't.

[A]

Probably wouldn't let you borrow without interest.

[B]

I think so.

[A]

Why would they let you borrow without interest?

[B]

I don't know.

[A]

Great. Is it a whole life? Sometimes you can do that.

[B]

I don't think. I don't think there's an interest rate. No, I don't think it doesn't go up every time.

[A]

All right, we're done with quiet mode. That.

[B]

Okay.

[A]

Okay. Main financial. Is this the car?

[B]

That was my old car that got paid off.

[A]

So it's done. I don't. We can. Right. Okay.

[B]

I do have the information for my new car loan.

[A]

Well, we don't have it.

[B]

No, because it. I just got on Monday. It's a 2019 Nissan Rogue.

[A]

Have we done the value check on that? Oh, let's take a look. Let's take a look. Let's find a 2019 Nissan Rogue.

[B]

How many miles a. When I got it, it was like 79, but I've put like 500, so, like 80,000.

[A]

80,000 miles. 2019 Nissan Rogue condition. Pretty good. Okay, what do you want? What's the balance?

[B]

So the balance is like 18,000.

[A]

Like 18,000. Okay. What's your minimum monthly payment?

[B]

508.

[A]

What's the interest?

[B]

17.6.

[A]

What the are we doing here? Because your credit's death and you had to get a predatory loan if you were going to get a loan on a car.

[B]

My boyfriend.

[A]

Oh, and you get a co signer from your boyfriend. Right.

[B]

So he is actually the main. Like they put him as the main person because his credit's a little bit better and I'm the co borrower, but the car's mine.

[A]

Oh, no. You guys haven't even been dating for a year.

[B]

That's how serious he is about me.

[A]

Oh, God.

[B]

Literally what he told me.

[A]

Oh, he's. Oh, what a joke. Yeah, he's. He's romancing you. Can you not tell the difference? So. Oh, you matter so much. But yeah, he's. He's doing love words.

[B]

He is not love bombing.

[A]

I'm not saying love bombing. I'm not TikTok where everything's. Everyone's a victim because they got flirted with. Okay, okay. I said he's flirting with you. He's love wording. He's. Why is that a words of affirmation? There you go.

[B]

Why is that a bad thing?

[A]

Because you're conflating it with this is a perfectly reliable situation that there's going to be no wrong, that we're not going to break up. Everything's perfect. Let's get debt together.

[B]

We don't plan on breaking up.

[A]

No. Oh, yes. I. I love the classic going into a relationship with a plan to break up.

[B]

Some people date to just date.

[A]

Yeah, but that's not a relationship. That's just dating.

[B]

Yeah.

[A]

Oh, lady, have you been. Have you ever existed in this world before? I'm concerned that. Not.

[B]

Barely. Yeah.

[A]

Because you just watch Supernatural on repeat. $339 Zion money and you're checking account zelling money out. Taco Bell getting monsters. Getting monsters. McDonald's. McDonald's. I'm going to die. I'm going to die. Your car's worth 16,000 hours, by the way.

[B]

That's. Yeah, that's what they asked for it.

[A]

Then that's taxes and everything on top of that. Little Caesar. Subway. Really Using Subway for all it's meant for taco bell. McDonald's getting a monster Coca Cola. Tick tock shop. McDonald's. Oh, oh, oh.

[B]

Wow.

[A]

We really do go to McDonald's every day. When I said that earlier, I Was kind of making a fat joke, but turns out stereotypes exist for a reason. Getting a monster apple. Pay out. Getting a monster. Getting a monster Pizza Hut. Getting a monster Apple Bill McDonald's. Getting a monster. Going to the buffet. Getting a monster McDonald's.

[B]

I told you there wouldn't be any closing balance 600.

[A]

There were in other ones I know accruing credit cards.

[B]

I said on that there wouldn't be any.

[A]

It's just credit cards.

[B]

Okay.

[A]

Like no money in our savings. Wonderful.

[B]

Oh wait, so I have a savings account that's specifically for my bills.

[A]

Okay, so it's not a savings account.

[B]

I mean it's labeled like a savings account. It's not a checking account.

[A]

But you're not keeping money in.

[B]

No. Like the.

[A]

So zero is what I'm going to consider then.

[B]

Yeah, basically.

[A]

Wonderful. Great. There's chime checking account171. Getting Popeyes McDonald's. That's pretty much it. Wow. Let's see if this is budgetable. Let's see if this is even budgetable. Genuinely curious. All right, so debt equals $26,993.22. Very bad for your income situation. The income is $1,900. Okay, let's add up these minimum payments. Credit one, $41Amazon $35 Merrick Bank $35 Capital Platinum $25 Venture One, $25.50. Platinum number two, $25 Target Card, $30 Torrid Card, $30 Zobble $25 Quicksilver $25. The first affirm $40. Second affirm $11. Good year $40 personal loan 206.79. And then our new Nissan 508. That brings our minimum monthly payments to $1,101.79. Wonderful. Great. Now what do you provide to the utilities and Internet and all that stuff? How much money is that?

[B]

So I give my boyfriend about 200 each. Check.

[A]

Check.

[B]

Yeah.

[A]

So $400 a month?

[B]

Yes.

[A]

Okay. We're already up to $1500 by the way. 1900 to live off of. Great. What's your phone bill like?

[B]

150.

[A]

Why? Cuz you own your phone. When you're done, if T mobile is good in your area, switch to helium.

[B]

I only pay $8 for my phone because of a promotion, but so the.

[A]

Whole service is 150. Okay, great. Well switch the. Once your phone is paid off again, switch to a lower paying service.

[B]

I do plan on it.

[A]

That's how they get you. Oh, it's cheap. You know, my minimum payment for My phone. But you're paying a ton for your phone service. Okay. Vroom, vroom. Drive, drive. How much gas.

[B]

A month?

[A]

Yes.

[B]

Like 40.

[A]

Okay. Car insurance?

[B]

267.

[A]

We are now over budget officially. But you said you buy groceries for the house.

[B]

Mm.

[A]

So for three people?

[B]

Yes.

[A]

Well, you can contribute 800 of that pile. That's insane. I would rather split $700 rent, by the way, than that. Because this math is no longer mathing. TP fund. Anything else you need to survive is 100 bucks.

[B]

Medical, health care, any CO pays, or they're usually 35. 30.

[A]

Is that once a month? Like what?

[B]

I don't go to the doctor often.

[A]

Okay, so I don't put it in there then, Right?

[B]

Well, I go to my. I see a therapist.

[A]

Okay, how much?

[B]

That's 35.

[A]

Okay, 35. I dare to ask, but gym?

[B]

No.

[A]

Okay, let's put in 50 bucks because you need to go to the gym.

[B]

What kind of gym membership is that expensive?

[A]

Well, let's just. Let's just call it 50 just to be safe, because, I don't know, planet physics might be cheaper. I don't know. Okay, you said you have a pet, right?

[B]

Yes.

[A]

What?

[B]

A cat. Age he is like seven.

[A]

I don't know if you can get pet insurance on that. Maybe I'll. I'll put in 60 bucks because you need to make sure you get a good pet insurance. How much for cat food?

[B]

Maybe 20.

[A]

Anything else that needs to be in your budget that I have not put in yet? Can't put anything in subscriptions because we're already over budget, so. Okay, you can. Brandon got his cat S7 pet insurance, so anything else that needs to be in your budget?

[B]

No.

[A]

Okay, well, 2002. $923.79. Here's the thing. So stop with this food splitting thing. You can't do that. I would contribute. See if you can contribute to rent. Not the full utilities. Let's see if we can contribute. We can split rent, utilities down the middle. I think you will save more money. Instead of you doing food, you're actually getting kind of milked here. You're getting a little over. You're spending more money than you would. So let's say that brings it down to like 2,500. You're still pretty. You need about an extra 600 hours a month if you want to stay in this job. That's great. You need to go work a second job, which means no more supernatural. Every single night you're working, you need to bring in at Least an extra thousand hours. So you can throw $400 towards debt. That's a minimum. Because $400 towards debt at $26,993.22 divided by that $400. Just wait. No, $26,993.22 divided By 400 is 67 months, which comes out to still five and a half years. But that's better than nothing. And you do got to get out of debt. Unfortunately, with five and a half years, that gives you only based on your history, seven more years to live. And that's not even, by the way, a fully funded emergency fund. Probably get five years to live with a fully funded emergency fund. Not great. So we got to change the health part as well. But the meal prepping is going to help with that. And I put it in a gym. That's going to help with that. Let's start taking that seriously because I want you to be around. Okay. Okay. We got to film follow ups together, right? So let's. Let's stay on the planet for a good long while. Searches you got to do. What I would prefer is that you go and just get a better job at a different place. And then we always shop around until you land somewhere that you like that you are getting paid well for. That is the ultimate goal. But you need to bring in a minimum extra thousand where you are now. And you need to split rent, utilities and take care of your own food spraying. Utilities is split down the middle. That'll bring you down to about 2,500. Because right now you need to bring an extra fifteen hundred dollars, sixteen hundred dollars in order to have a chance to pay this off in five and a half years. And then fully fund emergency fund a year after that maybe. Okay, so that's where we are. Oh, oh. They said I'm gonna be pissed. Colton's saying I'm gonna be pissed. I guess there's something in the post show that's about to piss me the off. Great. Usually. Okay, great. Let's get your Hammer Financial score first and then we'll go into the post show. All right. Spending in a budget. You overspent. 0 out of 10 debt. Well, this is as bad as you can get without collections or IRS debt. So one out of ten emergency fund. Well, nothing. Zero out of ten. Retirement.

[B]

I don't even know.

[A]

Zero out of ten. Real estate. Zero out of ten. It's going to be a Hammer Financial score rounded up to a point. Five out of ten, ladies and gentlemen. Click that join button next to our channel name enjoying Hammer Elite to get three premium shows posted every single day Monday through Friday where you can also come watch this financial audit post show of which apparently I'm gonna crash out. I can't wait. So apparently there's something. Tell me, what is it?

[B]

I just opened a third affirm.

[A]

For what? What did you get?

[B]

TikTok Shop.

[A]

What did you spend on TikTok shop? Because I know there's a thousand dollars in the cart right now.

[B]

Well, I got this car. Oh.

[A]

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