Pathetic Simp Drowning In Debt For Busty Latinas | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "Pathetic Simp Drowning In Debt For Busty Latinas"

Release Date: December 3, 2025
Guest: Logan (21, San Antonio, TX)

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Episode Overview

This episode features Logan, a 21-year-old data center tech and part-time zoo worker from San Antonio, who joins Caleb Hammer for a detailed financial intervention. Logan has amassed over $64,000 in debt despite a history of high income, and the conversation rapidly veers between financial confessions, self-deprecating humor, and reflections on how a combination of car mistakes, lavish spending (particularly on romantic partners), and bad habits led him far off the path of financial responsibility. The episode is equal parts financial audit, therapy session, and comedy roast—delivering hard truths amid relentless banter.

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Table of Contents

1. Introductions and Jobs
2. Logan’s Income Breakdown
3. How the Debt Started: The Jeep Compass Catastrophe
4. Lifestyle, Spending, and Simp Confessions
5. Relationships & Toxic Cycles
6. Credit Card and Debt Breakdown
7. Spending Habits and Failed Budgets
8. Financial Planning, Solutions, and Prognosis
9. Notable Quotes & Memorable Moments
10. Key Timestamps

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1. Introductions and Jobs

• Caleb’s first impressions of Logan are laced with jokes about his appearance and energy.
• Logan shares he works full-time as a critical engineering tech at a data center and part-time at the San Antonio Zoo doing injection molding for toys.

“In San Antonio I work at a data center and I also work at a zoo part time.”
   —Logan [02:30]

• Banter ensues about the public perceptions of data centers’ energy and water use.

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2. Logan’s Income Breakdown

• Primary Job (Data Center): ~$6,600/month net
• Zoo Side Job: ~$1,000/month stipend + 7.5% of gross sales (averaging an additional $600/month)
• Total Realistic Monthly Income: Around $8,200/month

“That’s what hits your account on a monthly basis if you withdraw, which you should.”
   —Caleb [07:01]

• Caleb presses Logan to actually withdraw the quarterly bonus (money he’s been leaving untouched with his employer).

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3. How the Debt Started: The Jeep Compass Catastrophe

• Logan blames his mountain of debt on buying a used Jeep Compass for $21,000 at age 19, after consulting "finance YouTube" (Caleb and Graham Stephan).
• The car required $7,000+ in repairs (including a new engine), is still not fully paid off, and lost significant value.
• Caleb FaceTimes Graham Stephan for a live clarification; Graham denies any recommendation to buy a Jeep Compass.

“It was used. 60,000 miles. I got it in perfect condition... and then it’s been a nightmare.”
   —Logan [08:39]

“I replaced the whole engine in it. It was a nightmare.”
   —Logan [13:41]

• Caleb points out that extensive car issues are "bad luck" but that Logan’s story also reflects poor decision-making (buying a more expensive car than needed, over-repairing, etc.).

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4. Lifestyle, Spending, and Simp Confessions

• Logan admits to blowing through around $120,000 earned between high school graduation and now, with only $10-15k in savings at one point.
• Large amounts were spent on lavish dates, girlfriends, travel, tech gadgets, booze, and covering expenses for others.
• He owns two vehicles: the cursed Jeep and an expensive new Ford Ranger ($33k+ loan).

“Women are my demise, bro. Latina baddies are my addiction.”
   —Logan [19:03–19:13]

“I made more in my last job. Actually. Traveling, women, food, women.”
   —Logan [19:47–19:53]

• Spent $17,000 in two months—claims some was on travel and tech, not just "racks" (women).

• He openly labels himself a “simp,” and Caleb roasts him for going into debt “to be a simp.”

“Going into debt to be a simp is a bit... it’s a little pathetic.”
   —Caleb [20:15]

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5. Relationships & Toxic Cycles

• Recurring toxic relationship patterns: Logan frequently spends far more than he can afford on girlfriends, who often move in quickly, contribute little financially, and sometimes act destructively (one keyed his car and poured water on his bed).
• Logan confesses he tends to crash and burn after breakups, both emotionally and financially.
• Recent ex-girlfriend exhibited problematic behavior (substance abuse, violent outbursts).

“She keyed your Jeep? ...Because I tipped $4 on a $21 bill and she said I was showing the chick bartender special treatment.”
   —Caleb & Logan [34:14–34:28]

• Admits to being blocked by exes on social media and having poor family ties: “They’re just people I grew up with.”

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6. Credit Card and Debt Breakdown

• Current Debt: ~$66,000 (Logan thought $64k; Caleb corrects him)

  • Jeep Compass: ~$13,700 at 8% APR
  • Ford Ranger: ~$33,700 at 9% APR (worth only ~$28k—he's underwater)
  • Multiple credit cards, all near-maxed and at high interest rates (9-30%)
    • AT&T – $5,003 (engine emergency repair)
    • Citi Double Cash – $3,288
    • PayPal Credit – $2,364
    • Apple Card – just under $2,000 (maxed out after credit limit decrease)
    • Chase Freedom – $1,448
    • Others (Amazon, Savor, etc.) totaling thousands more

• Interest Paid Annually: $6,000+ projected

• Minimum Monthly Debt Payments: $1,524.79

“That one is probably gonna… that’s a rough one.”
   —Logan on his highest credit card [49:51]

• He's using the snowball method but has made little visible progress so far; all cards essentially at minimum payments.

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7. Spending Habits and Failed Budgets

• Repeated overdrafts: Checking account started at -$394; Logan admits to insufficient tracking and budgeting, frequent cash flow problems, and not maximizing his income for debt paydown.
• Food: Eats out constantly (Chipotle, Red Bull stops, fast food), spends over $1,000/month on dining even while struggling.
• Subscriptions: Pays for unnecessary streaming (Peacock, Crunchyroll), OnlyFans subscriptions (admitting to being “scammed”—no calculus nudes).
• “Crashing out” refers to spending sprees during periods of depression or after breakups.

“Red Bull, Chipotle, Red Bull, Chick Fil A...We could be paying down all our debt. By the way, you said, oh, I'm making snowball. There is no more than a minimum payment on any of these.”
   —Caleb [83:18]

• His emergency fund is just $1,000 and was recently loaned to a friend in need.

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8. Financial Planning, Solutions, and Prognosis

• Caleb maps out a strict budget, allowing $1,900/mo for San Antonio rent, $330 for insurance, $300 for groceries, and $250 for “fun.”
• Advises Logan to sell the Jeep after $500 in final repairs, cut his lifestyle, and not attempt entrepreneurship or quit side jobs until fully debt-free with an emergency fund.
• Suggests Logan is still susceptible to falling back into old patterns (“You will fall back in...I don’t believe you’re going to change your lifestyle for a better”).

“If you actually follow this budget... you’ll be debt free in a year and a quarter, year and a half.”
   —Caleb [90:58]

• Stresses:
  • Logan must stop treating financial advice like a buffet
  • No more major gifts, no quitting side hustles
  • Focus all extra cash on paying down debt
  • Seek accountability, avoid relationship/“simp” relapse
  • Only contribute to retirement up to employer match

Hammer Financial Score

• Spending: 2/10
• Debt: 2/10
• Emergency Fund: 1/10
• Retirement: 3/10
• Real Estate: 0/10
  Overall: 2/10

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9. Notable Quotes & Memorable Moments

• On Jeep Disaster:

  • “Jeep compass...has pretty much financially ruined me over the last years.” —Logan [08:18]
  • “Why would you do that? Was that even worth it? ...Would I necessarily recommend replacing an entire engine?” —Caleb [13:51]

• On Relationships & Simping:

  • “Women are my demise, bro. Latina baddies are my addiction.” —Logan [19:03]
  • “Going into debt to be a simp is a bit... it’s a little pathetic.” —Caleb [20:15]
  • “She keyed your Jeep? ...Because I tipped $4 on a $21 bill...” —[34:14–34:28]

• On Toxic Patterns:

  • “It’s a little scary...every person you’ve had an interaction with in like, a more close relationship, family and girlfriends, everything ends up in crash out blocks.” —Caleb [39:08]

• On Missed Opportunity:

  • “If you had all that money still and you didn’t blow it all on women, booze, friends…You lost out on $4 million.” —Caleb [25:34; 27:28]

• On Credit Card Use:

  • “That one I originally got out for the flights going back/forth to Vegas…for my girl.” —Logan [58:53]
  • “You’re paying for the ol’. Did you cancel your sub?” —Caleb [63:46]

• On OnlyFans:

  • “She was working integral, right? But in like a slutty dress. ...If you want to see me do this but naked, go...I was straight up scammed, bro.” —Logan [60:21]

• On Doubt for the Future:

  • “I don’t believe you’re going to change your lifestyle for a better.” —Caleb [72:59]

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10. Key Timestamps

| Timestamp | Segment/Highlight | |------------|-------------------------------------------------------------------------| | 01:35 | Logan introduces himself; employment & side jobs discussion | | 03:45 | Monthly income breakdown | | 08:07 | Debt origins; the Jeep Compass mistake | | 10:14 | FaceTime with Graham Stephan about car advice | | 16:47 | Total debt acknowledged ($66k), breakdown starts | | 19:00 | Logan admits to spending sprees for women (“Latina baddies...”) | | 20:15 | Simp confessions; "going into debt to be a simp” | | 34:14 | “She keyed your Jeep”/crazy ex stories | | 39:08 | Relationship & family pattern warning—“everyone ends up crash out” | | 49:02 | Reviewing credit cards; debt avalanche & snowball discussion | | 60:21 | OnlyFans disappointment (“calculus, no nudes”) | | 72:59 | Caleb doubts Logan’s will to change (“I don’t believe...”) | | 83:18 | Checking account & spending breakdown; no actual progress in repayments | | 90:58 | Debt payoff plan: one and a half years if strict budget followed | | 92:41 | Hammer Financial Score: 2/10, reasons cited |

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Tone and Notable Themes

• Raw and irreverent: The episode is filled with explicit, self-deprecating humor, and frequent banter about dating, simping, and "Latina baddies."
• Financially tough love: Caleb uses a mix of jokes and blunt honesty to challenge Logan’s excuses and rationalizations.
• Generational reality: The discussion captures the struggles of a young adult with high earning potential but little discipline; plenty of money was wasted on fleeting pleasures, bad relationships, and impulsive purchases.
• Self-awareness, not self-control: Logan is unusually aware of his own pitfalls but lacks the demonstrated discipline to change.

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In Summary

Logan arrives as the "pathetic simp drowning in debt," but despite the ceaseless jokes, he’s a cautionary tale of what can happen when high income meets poor boundaries, impulse spending, and unresolved emotional logic. Caleb’s blunt guidance lays out a realistic debt-free timeline—if Logan can avoid falling for the next Latina “baddie.”

Score: 2/10.
Prescription: Extreme budget discipline, purge the credit cards, no new relationships until financial stability, and focus income ruthlessly on debt—while resisting the gravitational pull of bad habits and simping.

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For the full episode’s juiciest moments—or to see if Logan actually follows through—subscribe to Caleb Hammer’s YouTube or join Hammer Elite for post-show girlfriend text readings.

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Transcript

[Logan]

Ordinary checking. A $300 head start on checking.

[Caleb Hammer]

Ordinary savings, high yield savings that grow your money. Ordinary mortgage. A mortgage with a rate that drops.

[Logan]

When the market does.

[Caleb Hammer]

Why settle for With Oregon State Credit.

[Logan]

Union, you get all sorts of welcome to human to human banking. Oregon State Credit Union insured by NCOA equal housing lender, $25 minimum balance required. Subject to change terms and conditions.

Close your eyes.

[Caleb Hammer]

Exhale.

[Logan]

Feel your body relax and let go.

[Caleb Hammer]

Of whatever you're carrying today. Well, I'm letting go of the worry.

[Logan]

That I wouldn't get my new contacts in time for this class.

[Caleb Hammer]

I got them delivered free from 1-800-contacts.

[Logan]

Oh my gosh, they're so fast. And breathe. Oh, sorry.

[Caleb Hammer]

I almost couldn't breathe when I saw.

[Logan]

The discount they gave me on my first order. Oh, sorry. Namaste. Visit 1-800-contacts.com today to save on your first order.

[Caleb Hammer]

1-800-Contacts to watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[Logan]

If you think about it, it's actually kind of all your fault for the reason I'm here. I was like in like Graham Stephan Facetime.

[Caleb Hammer]

Graham Stephan.

[Logan]

No, no, it's just your fault.

[Caleb Hammer]

Oh, it's just my fault.

[Logan]

Sorry, Graham.

[Caleb Hammer]

It's just my fault. I am.

[Logan]

I was doing well when I was just watching. Graham.

[Caleb Hammer]

If you had all that money still and you didn't blow it all on women booze, you lost out on $4 million.

Black Friday starts now. Master your money. My all in one personal finance membership is finally live. It is every single course I've ever made, exclusive content and a members only community. Click the link below and become the member of the best money membership on the planet.

[Logan]

I'll see you inside. My name is Logan from San Antonio, Texas and I'm 21. And this is Financial Audit.

[Caleb Hammer]

Yes, it is. This has been interesting, the few minutes I've been in the room when I. When I saw you from afar.

[Logan]

Yeah.

[Caleb Hammer]

I thought you were either a they them making me my coffee or just straight up Les.

[Logan]

Oh, yeah. That's incredible.

[Caleb Hammer]

He has birthing hips. For those who don't know, maybe you want to stand up and give us a twirl.

[Logan]

Happily. I think I don't have birthing.

[Caleb Hammer]

Oh, this is why I saw it afar because he has so many things in his pocket. So when I saw him across the studio, I was like, all right, we got a lesbian. Yeah, big time.

[Logan]

I'm a big time woman lover, so I'll take.

[Caleb Hammer]

Yeah, unfortunately, I just a straight dude.

[Logan]

Yeah, it's not as Interesting.

[Caleb Hammer]

No, it's not.

[Logan]

Everyone likes good lesbian mix up.

[Caleb Hammer]

Yeah, we love the lesbians.

[Logan]

We really do.

[Caleb Hammer]

So Logan, thanks for coming up to Austin. What do you do for a living in San Antonio?

[Logan]

So in San Antonio I work at a data center and I also work at a zoo part time.

[Caleb Hammer]

The zoo, perhaps?

[Logan]

The San Antonio Zoo?

[Caleb Hammer]

Yeah, I would guess.

[Logan]

Yeah.

[Caleb Hammer]

What's your position at the data center?

[Logan]

Data center. I'm a critical engineering tech. So it's a multifaceted role and people.

[Caleb Hammer]

Hate you guys right now.

[Logan]

They're wrong.

[Caleb Hammer]

Oh, they're wrong.

[Logan]

Yes, they're wrong.

[Caleb Hammer]

Data centers so big up sadness. Now People overestimate the water thing, but they don't. They don't overestimate the energy use.

[Logan]

They don't.

[Caleb Hammer]

Energy use is an actual real thing and it's making energy more expensive. However, the water use, they have no idea what they're talking about, people.

[Logan]

No, no, no. People don't know what they're talking about with energy either. They have.

[Caleb Hammer]

Really.

[Logan]

No. Yeah. So with how much we do, how much infrastructure is built just because of us? Like it's silly. Like the argument that we spend too much and all this other stuff and not to mention the.

[Caleb Hammer]

I don't care about what private parties are choosing to spend. That, that, that's not the issue. But you know, energy prices are dramatically going up and it is maybe a correlation is in causation, but it is pretty aligned. But the water use thing, they have no idea what they're talking about. Like 90% of water in California goes to almonds. So I don't want to hear Alpha water systems. Exactly. But either way good. You probably make a lot of money.

[Logan]

I think it's a decent amount.

[Caleb Hammer]

What do you make?

[Logan]

So at the data center job I bring in about 3,300 a check. So 66amonth net.

[Caleb Hammer]

Yeah. In San Antonio, honestly kind of cheap. Major city, what is it? Fourth or fifth most populated? I think fifth in the country. Maybe something like that.

[Logan]

It's like a mill, but.

[Caleb Hammer]

Well no, it's more than that. But yeah, it's cheap. You can stretch that pretty far. And then the zoo. Why are you doing zoo things?

[Logan]

One, are you sure they don't put.

[Caleb Hammer]

You in and then we just absorb. Observe a lesbian in her natural habitat.

[Logan]

Yes, I'm pretty sure. No, I don't actually work at the zoo for zoo purposes. I do injection molding. What? Injection molding is like plastic. It fills into a mold.

[Caleb Hammer]

For what?

[Logan]

For like toys and stuff.

[Caleb Hammer]

Oh, that's fun. So the zebras can be all zebratic and whatnot.

[Logan]

Yeah, yeah. No, it's more like.

[Caleb Hammer]

Good.

[Logan]

Yeah.

[Caleb Hammer]

Good, good, good. You're a vocal fry champion, aren't you? How much do you make in that job?

[Logan]

I make a band a month.

[Caleb Hammer]

That's a thousand.

[Logan]

You know the vibes.

[Caleb Hammer]

I even know. Huh?

[Logan]

Know the vibes. So I get that as a stipend.

[Caleb Hammer]

If I've translated my.

Ethnic rap music.

[Logan]

Ethnic rap music is crazy.

[Caleb Hammer]

It is.

[Logan]

You like that? Yeah.

[Caleb Hammer]

Bam.

[Logan]

Bank who Banks. Beep beep.

[Caleb Hammer]

Oh. Oh my God.

[Logan]

No, but. And then that's my stipend. And then I get seven and a half percent of gross sales.

[Caleb Hammer]

What does that average out on a monthly basis?

[Logan]

So I'm at Annie up annually. So I've only been doing it like three months. So. Can we pause?

[Caleb Hammer]

Can we bring in Tyler real quick? Ah, this is. This is very important. This is very important.

[Logan]

Oh, man.

[Caleb Hammer]

Just. Just hold on. Oh, here he comes. You know you love him. Especially if you're a Hammer elite member. One of our favorite producers. Come on in, Tyler. Come on in, Tyler. I just. I need what's permission.

He said he makes a band for one of his jobs and I said, oh, I know what that is. Through my trans translating from ethnic rap music. Am I excused in saying that? Yeah, okay, perfect. Cuz I. I was invited to the cookout, right? No, no. You were invited to the cookout so you could. Invited.

[Logan]

The cookout is insane.

[Caleb Hammer]

He had a Dewey on his head. I had a Dewey on my head on his head. I was like, he's invited to the cookout. He's valid, bro.

[Logan]

You gave him a Dewey, bro. That's crazy, bro.

[Caleb Hammer]

He made Kool Aid the right way, bro. Sugar M. Come on, bro. He knows what a band is. We're getting them cultured, bro.

[Logan]

We're getting cultured culture. I got you, bro.

[Caleb Hammer]

I got you, bro.

[Logan]

That was a weak dad. Much love. Much love.

[Caleb Hammer]

Thank you, Tyler.

[Logan]

All I'm going to say is the snap after the dap tells me all I need to know, bro.

[Caleb Hammer]

Sorry for the detour. I just need you to know you don't have to cancel me for saying that. And now we're good. Uncanceled once again.

[Logan]

Yeah.

[Caleb Hammer]

So it looks like it's a total. Well, yeah. The. The gross sales or the percentage like.

[Logan]

What is averaging out so doing like I get access to all the reports and everything. So I would say it's about an extra right now. 600amonth. I'll ante up at the end of the year.

[Caleb Hammer]

It's handed out at the end, so it stacks up all year.

[Logan]

Yeah, well, I can. I can pull from it earlier, but I'm just not.

[Caleb Hammer]

Why?

[Logan]

I don't know. I haven't thought to.

[Caleb Hammer]

Okay, so 8200, right?

[Logan]

Yeah, seems about right.

[Caleb Hammer]

That's what hits your account on a monthly basis if you withdraw, which you should.

[Logan]

Well, I don't want to withdraw from that. The seven.

[Caleb Hammer]

Why? It's sitting there at zero percent.

[Logan]

Well, the guy like the owner, he uses a lot of that for like, operation stuff. It's your money. I mean. Yeah, but I don't know.

[Caleb Hammer]

Pull it. I'm going to get.

[Logan]

At the end of the year.

[Caleb Hammer]

I'm just going to let you know.

[Logan]

Yeah.

[Caleb Hammer]

Little spoiler. If you're on the show, you're. You need the extra money. You don't get approved to come out of financial audit unless you're. You need the extra money.

[Logan]

Well, I can make more extra money for my main job than that.

[Caleb Hammer]

Well, either way, it's money you earned.

[Logan]

Yeah. Yeah.

[Caleb Hammer]

Pull it.

[Logan]

Okay, okay, okay. I'll talk to him to get it pulled.

[Caleb Hammer]

You don't have access?

[Logan]

Well, no, the way it works is he has to like fill this form thing. It's like a whole process.

[Caleb Hammer]

Okay, good. And you'll do that on a monthly basis? 8,200.

[Logan]

Okay.

[Caleb Hammer]

Yeah.

[Logan]

Yeah.

[Caleb Hammer]

So it sound about right to you?

[Logan]

Yeah.

[Caleb Hammer]

If I look in here, will that look about right?

[Logan]

Yep.

[Caleb Hammer]

Yeah, looks about right. And then you spent basically all of it, it seems. Okay, so what's going on here?

[Logan]

So pretty much.

If you think about it, it's actually kind of all your fault for the reason I'm here.

[Caleb Hammer]

Cause I invited you.

[Logan]

A lot of my problems and debt and stuff are all surrounded around this one car.

[Caleb Hammer]

Did I sell you a car?

[Logan]

You didn't sell me this car. No, but it's a Jeep Compass. And see, as an avid fan of the show, why the Jeep Cherokee? I know. And I couldn't afford the Jeep Cherokee, so I got the Jeep Compass and it has pretty much financially ruined me over the last years.

[Caleb Hammer]

Ah. What happened? Was it new? Was it used?

[Logan]

It was used.

[Caleb Hammer]

Okay. How used?

[Logan]

60,000 miles.

[Caleb Hammer]

Okay.

[Logan]

Yeah.

[Caleb Hammer]

So what was the condition? That's miles. What was the condition?

[Logan]

I got it in perfect condition and I was traveling a lot for my.

[Caleb Hammer]

Old job then in this perfect condition. Did you get that approved by multiple mechanics before you purchased it? Independently?

[Logan]

One mechanic, but he's like, okay, well.

[Caleb Hammer]

You, dude, it cannot be a personal attachment mechanic. It never can be. You should never use A mechanic, you know, just gets weird. They. I mean, it could be good for a quick emergency. Sure. But if you're actually trying to get done. I want to go with someone who's out there grinding. There's no personal impact.

[Logan]

Yeah. So.

[Caleb Hammer]

So you gotta.

[Logan]

I don't know.

[Caleb Hammer]

Cheap. That I've never had. That I never said to get. What? Did you buy it?

[Logan]

Well, here's the thing. Here's the thing. Like, I coming out of high school was like, super into you. Graham, me, Kevin, all these guys.

[Caleb Hammer]

Okay. High school. I was literally just starting, by the way.

[Logan]

Yeah, yeah. And so what I'm saying.

[Caleb Hammer]

Glad to know. Lesbian Surrender.

[Logan]

Me, I had gotten the Jeep compass and at the time I was like, in like Graham Stephan discords talking to people about which would be a good investment and stuff.

[Caleb Hammer]

And they said Jeep compass.

[Logan]

Well, no, because I was talking about, like, oh, you know, Caleb has a Jeep Cherokee that makes more sense. And so I got the Jeep compass and it was good for like maybe eight months. And then it's been a FaceTime Graham Stephan. It's a subtle flex.

[Caleb Hammer]

You don't think we're friends? I don't know if he'll answer. It's early his time. He's west coast time.

[Logan]

I'm actually such a big fan. This is crazy.

[Caleb Hammer]

I don't know if he'll answer. Oh, my goodness. He actually did. Hey, Graham.

[Logan]

Oh, my God.

[Caleb Hammer]

I have a question real quick. And I. I did assume that I am talking to. We're calling him Logan.

[Logan]

Hi, Graham. I'm a huge fan. What's up, man?

[Caleb Hammer]

Do you have 30 seconds real quick?

[Logan]

Yeah, I could be. I haven't had my coffee, so. Sure.

[Caleb Hammer]

Well, you know, Logan is on this show and he blames all his financial mistakes on buying a Jeep compass, of which apparently Caleb Hammer, Graham Stephan and who else did you say, like Andrew, Jake?

[Logan]

Like who?

[Caleb Hammer]

Me.

[Logan]

Kevin.

[Caleb Hammer]

Meet Kevin. Okay. Meet Kevin.

[Logan]

Come on.

[Caleb Hammer]

I don't even know him. But he says we recommended to buy a Jeep compass. I don't remember ever recommending this. Did you? No.

[Logan]

When did I recommend a Jeep compass? No, Graham didn't recommend the Jeep compass. I was in your discord whenever I was buying it and I was messaging the guys on there and they're like, yeah, it seems like a good idea.

Big difference between me. No.

[Caleb Hammer]

Yeah, yeah, it's a big difference. What are you talking about, Logan?

[Logan]

No, no, no. I was just taking the seal of approval from the gurus of the field.

If the Internet says it's a good idea, it probably Is exactly bro. As an iPad kid, you know, I gotta take that.

[Caleb Hammer]

Okay, well, thank you, sir.

[Logan]

He could have done worse. He could have done worse. Jeeps. No, dude, it's a nightmare. There is no way. There is no worse. That's where you're wrong. It's. It's awful. Dude. It's so bad. I've put like 7k into it and just repairs. Not to mention I still owe 13 on it. And it's just bad after bad after bad after bad.

[Caleb Hammer]

It's not Graham's fault. That's not my fault. And I can't speak for Meat Kevin. I've never talked to him.

[Logan]

No, no, it's just your fault.

[Caleb Hammer]

Oh, it's just my fault.

[Logan]

Sorry, Graham.

[Caleb Hammer]

He says it's just my fault.

[Logan]

I'm not holding for it.

[Caleb Hammer]

I am.

[Logan]

I was doing well when I was just watching Graham. Then you came out. Dude, I'm just saying, when I was just watching Graham, I had the 10k. I had my fidelity set up. You know, I was doing well off you, Graham. And then the chase rewards. I got hella money off of that, bro. Thanks for you.

[Caleb Hammer]

But then I got involved.

[Logan]

Yep. And then Caleb. You have to pay for it, Caleb. Now it's your responsibility. That's what I'm saying. Yeah. So I think Caleb should owe me the 13 for the Jeep, the 8 for the damages. Pain and suffering. That's going to be at least another 25. Let's call it an even 50. Even 50. And insurance, that was, you know, my insurance was.

[Caleb Hammer]

Graham, what are you doing?

[Logan]

A month? Yes, Graham. Thank you, bro. I think he owes me 50. Call it 50. Right?

Rounded out.

[Caleb Hammer]

Thank you, Graham. Go enjoy your coffee now, Graham.

[Logan]

You're welcome. Grab you the goat.

[Caleb Hammer]

Bye.

[Logan]

I'll see you. Bye. Do you feel bad?

[Caleb Hammer]

No. Explain to me how this was my fault, please, because I haven't heard that yet.

[Logan]

What do you not understand?

[Caleb Hammer]

You got a jeep compass. Why was that my fault? What did financial audit recommend? Did you become? I mean, I said yes. Go get it approved by. Okay, what did you buy it for? Let's get some more details.

[Logan]

Okay, so I originally was listed for 25. I got it for 21 and then.

I paid it down to 13 now. But I had to drive it a lot all across America. So I put a lot of miles on.

[Caleb Hammer]

So it was your fault?

[Logan]

Yeah.

[Caleb Hammer]

How many miles did you put on it?

[Logan]

That one.

[Caleb Hammer]

Caleb Pamer call you and say go put a ton of miles on a car.

[Logan]

It was 65,000 miles on it.

[Caleb Hammer]

I mean, I Drove my Jeep Cherokee from Austin to Michigan and back many times, and I didn't have.

[Logan]

I drove to Michigan.

[Caleb Hammer]

I had a couple. Well, that's weird. I had a couple issues, and that's. That my battery died just like a couple times throughout the years. But that's like a couple hundred dollars fix.

[Logan]

I think it's the least of my wor. The battery, the overheating problems, the radiator, the coolant lines, everything. I replaced every hose, every. I replaced the whole engine in it. It was a nightmare.

[Caleb Hammer]

Why would you do that? Was that even worth it? Like, would I necessarily recommend replacing an entire engine?

[Logan]

Well, so the reason it made sense to replace the entire engine was at the time, I had blown a head gasket and I had a warped head. And so it was cheaper to buy a new engine for me than it was to get that repair. And I actually got an engine with lower miles on it and such, and I had that inspected by another mechanic as well.

[Caleb Hammer]

But my confusion still is exactly the point of why it was my fault.

[Logan]

Well, if you think about it, you're advising people on the Internet about money, and then you go on here and you advertise this lifestyle of financial responsibility.

[Caleb Hammer]

Yeah.

[Logan]

Oh, no, I'm just imitating.

[Caleb Hammer]

It's evil. But what exactly was my fault? Specifically?

[Logan]

I would say that, you know, advocating for a certain type of vehicle that is reliable and getting it, you know, checked out by a actual mechanic and all these sort of things. That's exactly what I followed. And I got screwed on it.

[Caleb Hammer]

What did you buy it for?

[Logan]

21?

[Caleb Hammer]

I mean, listen, I'm okay with like, a $10,000 beater to get from point A, point B, oftentimes. But just like in personal finance, one, it's all personal. There's no one size fits all. If you're a national traveler in every way whatsoever for a job, am I necessarily recommending a $10,000 car? No. 21, sure. Probably. I don't know. Got a good deal. Specifically, if it's in a price range for, I don't know what your income was, like, that's something we could do. And you took it to a mechanic. You did well there, but you put a lot of miles on it. Who knows if it was worth 21, though? Was it worth 21?

[Logan]

I would say it was worth 21, yeah. At the time. It's just all the things ended up going wrong with it later on and.

[Caleb Hammer]

Yeah. How long did you have it before things started going on?

[Logan]

I would say about six months. And then I remember I was in Oklahoma for some work thing and then it's just time and time again the AC went out and it started overheating and all these other issues. It was an absolute nightmare to deal with. And constantly breaking down $300 tows.

[Caleb Hammer]

Sounds like you got a 21,000 hour car. And he got unlucky.

[Logan]

Yeah, it was a real nightmare.

[Caleb Hammer]

Do you think the alternative to that is spending a 50,000 hour car you can't afford?

[Logan]

No.

[Caleb Hammer]

Then what the are you saying?

[Logan]

I'm saying just go ahead and slide me the 50, we'll call it even.

[Caleb Hammer]

I'm just kidding. Shut up.

[Logan]

No, now I actually have a truck.

[Caleb Hammer]

Well, see, so I don't give a. Why do you have a truck for this? You don't do truck stuff?

[Logan]

Sometimes I have to do stuff.

[Caleb Hammer]

Small truck stuff.

[Logan]

It's a Ford Ranger. It has a tunnel cover, so it's good DS mileage.

But I do have to haul some things. I feel like a lot of my issues aren't actually with financial literacy and with like the online sort of like courses and all these other things that are available online. I feel like a lot of my issues has just been with the personal responsibility because I've been very responsible and financially literate with my money in the beginning and it ended up turning into a lot of just bury my head in sand and mistakes that were mostly surrounded around like not paying attention to money. So I don't think financial literacy is really the problem.

[Caleb Hammer]

Okay, how much debt do you have today?

[Logan]

In total? 66.

[Caleb Hammer]

Basically 64. So you're off by 4, which is a substantial number. 4,000 is not insignificant. Yeah, there's a little bit of financial illiteracy there. If we don't know how much debt we have. I mean, you are close, I'll give you credit for that. But how are you so today. No, not Caleb Hammer.

[Logan]

Like I said, a lot of my mistakes. They did start with the Jeep. To be frank, The Jeep started.

[Caleb Hammer]

Okay, when did the Jeep start?

[Logan]

Two years ago.

[Caleb Hammer]

Okay, when did it end?

[Logan]

It's still. It's still in my parking lot.

[Caleb Hammer]

But it's not your main thing. It's not your. You're not putting money into it because you don't need to because you're driving another car now. Your truck. So when did the Jeep end?

[Logan]

Well, the repair.

[Caleb Hammer]

When did the truck come?

[Logan]

The truck came almost a year ago. It was like.

[Caleb Hammer]

Okay, so for the last year you didn't need required to put money into the Jeep?

[Logan]

Yeah, but I need to sell it.

[Caleb Hammer]

I agree, but it wasn't like a requirement for life and living, but I.

[Logan]

Need to have transportation that's reliable.

[Caleb Hammer]

But you have that. You have the truck.

[Logan]

Yeah.

[Caleb Hammer]

So what are you talking about? That doesn't mean we're putting money into the Jeep this last year.

[Logan]

Putting money into the Jeep for the last year, trying to get.

[Caleb Hammer]

Then what the are you talking about? Well, I know that, but you don't have to.

[Logan]

But I need to be able to get rid of it. I got to repair.

[Caleb Hammer]

I agree, but how much money is worth actually putting into it versus just letting it go? Are you credit score? Well, I don't know. What's your credit score?

[Logan]

My credit score. I'd have to look it up on experian. It's like 660 or something like that.

[Caleb Hammer]

Okay. I don't necessarily want a voluntary repo. Necessarily. We could pay it off. I mean, you make good money. You could tackle. I'm. I'm guessing that's the 13K.

[Logan]

Yeah.

[Caleb Hammer]

You can tackle that. That's well within your ability to tackle.

[Logan]

Big guy right now.

[Caleb Hammer]

Even if you sold it now for a few thousand, it wasn't. And absolutely great. You're at least not putting more money into it when you could be putting more money towards the debt.

[Logan]

And see, I tried.

[Caleb Hammer]

You're trying to make the difference.

[Logan]

I tried to do that. I. I.

[Caleb Hammer]

All the money go. That you made senior year of high school, because again, it was only three years ago.

[Logan]

You're young, so I'm not going to lie. When I was a little bit of a bender. Okay. I'll be for real.

[Caleb Hammer]

Well, you went full alcoholism before 21.

[Logan]

No, that was. Yeah, I guess so. Yeah. Traveling, women, food, women. Yeah.

[Caleb Hammer]

What are you doing? You go. I'm proud of you.

[Logan]

But women are doing. Women are my demise, bro.

[Caleb Hammer]

Me too.

[Logan]

So much stupid purchases. So much stupid money.

[Caleb Hammer]

I agree. Why do you think I get canceled once a month?

[Logan]

Hell, yeah, bro.

[Caleb Hammer]

It's an addiction.

[Logan]

Latina baddies are my addiction.

[Caleb Hammer]

It's like I'm addicted to this.

[Logan]

I don't know. I can't explain it to you. You're addicted to punching you in the face.

[Caleb Hammer]

Well, yeah, okay.

[Logan]

God damn it, San Antonio.

[Caleb Hammer]

Yeah, okay, fair enough.

[Logan]

But no. Yeah, with a lot of these, like, the. The debt that got racked up, it's all within like a month span.

[Caleb Hammer]

Racking up debt for racks. What are you paying to come?

[Logan]

No, no, no, no, no.

[Caleb Hammer]

You look like a dude that paid to come. But the.

[Logan]

No, bro, I just. I liked when I would have a girlfriend and then I would just spoil out of them.

[Caleb Hammer]

Why? Sugar daddy, no.

[Logan]

What are you doing?

[Caleb Hammer]

How much are you spending on. You made like $120,000. It sounds like, like before graduation.

[Logan]

I made more in my last job. Actually.

[Caleb Hammer]

No, before graduation.

[Logan]

Oh yeah? Yeah.

[Caleb Hammer]

How much were you spending on what? For these women.

[Logan]

I don't know. Airbnbs or hotels or flying to places, food, bougie dates. Like that.

[Caleb Hammer]

Okay, and how much did you spend on this?

[Logan]

What?

[Caleb Hammer]

So you could get your dick sucked?

[Logan]

No, I get that. Anyways, but what they have stayed. I don't know. I take care of my own. That's all it is. You know, it's nice to be able to give them stuff and do things with them and I mean, going into.

[Caleb Hammer]

Debt to be a simp is a bit. It's a little pathetic.

[Logan]

Well, a lot of the debt actually would come. I would make the bad financial decision. I mean, I'm being told earlier than month. I would be like, oh.

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[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

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[Caleb Hammer]

I'm being told you moved to San Antonio, took a job, pay cover and you immediately because you match with a woman.

[Logan]

Oh, oh, no. About that.

[Caleb Hammer]

Guys, this is what a simp does.

[Logan]

Okay? So there's more to this. There's more to this. There's more to this. So that chick didn't actually cost me much money.

[Caleb Hammer]

She had an os.

[Logan]

She did. That was bad, bro. She was freak. But no, I, I.

[Caleb Hammer]

In what way?

[Logan]

In what way, bro? She did degenerate. So like with me, she was pretty good.

[Caleb Hammer]

That could be great.

[Logan]

I remember I came home one day and she was like. She was at my place and I was like, what are you doing? She was like, you gotta go to the animal store. And I was like the. And she was like, for my only.

I was taking aback. She had to go buy crickets to squish between her toes to film for a request.

[Caleb Hammer]

Oh, that's not degenerate. That's up.

[Logan]

That's what I'm saying, bro. Okay.

[Caleb Hammer]

Because I like degenerate I can get.

[Logan]

Behind some degenerate, don't get me wrong. But that was weird, bro. She was on some.

[Caleb Hammer]

And you took a pay cut, and all this just to be with your os?

[Logan]

I took the pay cut because I was doing the big box contracts, right? But robotics has always been my passion, and so I wanted to go into the field of robotics. And so I just applied to hundreds and hundreds of jobs. And then I got in contact with this one owner of, like, a local automation company, and they were like, hey, you seem cool. You want to come do work for us? And I was like, bet. And I got from the money I was making all the way down to $21 an hour.

[Caleb Hammer]

Yeah, I mean, that kind of makes sense, especially for continuing to simp. Let's see her.

[Logan]

Huh?

[Caleb Hammer]

Let's see her.

[Logan]

Oh, I don't have the chick.

[Caleb Hammer]

You don't know her. Instagram.

[Logan]

I'm blocked on there.

[Caleb Hammer]

I'm not.

[Logan]

I mean, I can try to find it.

[Caleb Hammer]

Try to find it. I'm blocked on there.

[Logan]

I don't know her.

[Caleb Hammer]

You don't know her name?

[Logan]

Yeah, I know her name.

[Caleb Hammer]

And I'm being told you spent $17,000 in just two months on women, Airbnb and all this stuff. But I could.

[Logan]

I scrolled to the bottom.

[Caleb Hammer]

You don't know.

[Logan]

That was like, a year and a half, almost two years ago now.

[Caleb Hammer]

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[Logan]

But no, the $17,000 in two months that actually had nothing to do with women. I was single then. That was actually. Oh dude, I was. I remember those two months. I was traveling around back and forth from here to Chicago and then I had to stay in Chicago for several of those weeks and I was with my boys and we just went ham. We were working nights and so on our days off we were just out and about. I was buying a bunch of stupid. I bought the Meta glasses when those first came out, you know, new phone, new iPad, this, that and the other is a bunch of tech stuff mostly. And then a lot of booze.

[Caleb Hammer]

I feel like that's why you are where you are today. Because if you had all that money still and you didn't blow it all on women, booze, friends.

[Logan]

The debt didn't start until I got the Jeep.

[Caleb Hammer]

The debt wouldn't have been there if you didn't blow all that money. You would have bought the Jeep in cash. You would have done the repairs in cash. You would have cut your losses, got a different car in cash. If you didn't blow all your money, this wouldn't be a problem. Problem. You were 18, you made a lot of money. You considered yourself financially sound I mean, you told me you were watching Graham and. Yeah, I was doing well, others and whatnot back then.

[Logan]

Yeah.

[Caleb Hammer]

So then I guess me. Even though we barely just started. However, even still, if you did, you didn't follow what anyone would have said. You could have set yourself up for an incredible success. How much did you have in savings at your height before you this all.

[Logan]

So it was a little over 10k. It was like almost 11. And then infidelity, it was.

[Caleb Hammer]

That doesn't make any sense. Three and then three thousand.

[Logan]

Yeah. And Robinhood is like another band. And then.

I kept a lot of money in PayPal for some weird reason.

[Caleb Hammer]

How much?

[Logan]

Like another band or two.

[Caleb Hammer]

This doesn't make sense. What. What does that get us to, like, five, seven. I'm over at this point.

[Logan]

It was like 15, 16K.

[Caleb Hammer]

That math didn't add up. But either way, you made it sound like you made like $140,000 or so junior senior year combined.

[Logan]

No, it wasn't 140. It was like 120.

[Caleb Hammer]

120. How'd we only have 2015 to show? Call it 100,000. Because you were like, low, low, low.

[Logan]

Low, low, low, low, low.

[Caleb Hammer]

At 10% growth. Not putting anything in. Not putting anything in at all.

[Logan]

At all. Yeah.

[Caleb Hammer]

And just letting that hundred set for 41 years to 65.

[Logan]

You don't hold your whole income. What do you mean?

[Caleb Hammer]

You had no overhead. You were in high school. You had low overhead. Very low. Fine, call it 80. Because you could have set aside the vast majority of the income. Vast majority. In your situation.

[Logan]

Yeah.

[Caleb Hammer]

You lost out on $4 million. $4 million. And now it's not only that, but you're negative 65.

[Logan]

Yeah.

[Caleb Hammer]

From having $4 million. You could have had, and by the way, probably closer to 20 if you kept contributing throughout, you know, 20, $20 million to now, a negative net worth of 65. And yet you are watching all the financial channels of which who no one recommends. People follow those channels. They turn their lives around. They get massive investing, they get good credit cards, they live good lives.

[Logan]

Yeah.

[Caleb Hammer]

And then you show up at 21, negative 65,000 hours, nothing to show forth and potential STDs.

[Logan]

I have no STDs. I got checked.

[Caleb Hammer]

Well, that means you didn't live enough.

[Logan]

Honestly, I got burnt out, to be frank. Like, I was just tired.

[Caleb Hammer]

The tip of your dick was burning. Which one?

[Logan]

The tip of my dick is never burned. I never got STDs.

[Caleb Hammer]

Then you never wrap it up.

[Logan]

But no, I was burnt out from all the work of everything I'd been since I was 16, working, you know, 60 to 80 hours a week. And I mean, I still am.

[Caleb Hammer]

I mean, you crash out with your family apparently. I mean, just. I don't think you're living your life like crazy. Oh yeah, you're out with our family. There's been so many.

Craziness, blowing all your money.

[Logan]

There's so many situations throughout this entire process that at the time, just why.

[Caleb Hammer]

Did you crash out with your family? I'm learning you. I need to learn everything about you.

[Logan]

So my family and I, we've never been close. They're not like, I wouldn't call them family. They're just people I grew up with. Like, it's not like that. Like I got two. My close friends, they're my family.

[Caleb Hammer]

Well, they ask you for money all the time even though you're negative 65, I'm being told.

[Logan]

Yeah, luckily that's mostly stopped. They.

[Caleb Hammer]

They have poor. Even though you make money.

[Logan]

Yeah, they.

[Caleb Hammer]

Which is ridiculous. They're all for the vagina.

[Logan]

It wasn't all for the vagina. Maybe like 60 vagina, booze, traveling.

[Caleb Hammer]

Come on.

[Logan]

Power of the mans. Yeah, but no, with the family thing.

[Caleb Hammer]

I don't spend money on for that. I never had to like work.

[Logan]

I didn't. I mean, you don't have.

[Caleb Hammer]

I've had a lot of sex.

[Logan]

Yeah. That's a weird statement, but okay.

[Caleb Hammer]

No, no, no, no. We're goon brothers.

[Logan]

We're goon brothers.

[Caleb Hammer]

We're goon brothers. I've had a lot of sex. I've never had a. Like, you don't have to do anything.

[Logan]

But when you have a girl.

[Caleb Hammer]

Get him a McFry.

[Logan]

When you have a girl and they make comparatively to you almost nothing, you don't want to put them in the.

[Caleb Hammer]

Same lifestyle you have in marriage and engagement or really far into the relationship now. I don't know. Check who's okay.

[Logan]

Like I said that one. I didn't. That was a six month thing. It was on and off. That one wasn't as serious as my most recent one.

[Caleb Hammer]

So what's your current living situation then? What else do we live in? If you're just breaking up with everyone endlessly? We living alone finally.

[Logan]

So, yeah, I live alone. I have an apartment in San Antonio. It's a two bedroom. One of the bedrooms are my lab.

[Caleb Hammer]

And when was your last breakup?

[Logan]

Two months ago.

[Caleb Hammer]

Did that push you to this apartment?

[Logan]

No. So I actually I. The one before this was a lot cheaper and I was gonna Stay in there. But with her. She ended up moving in with me pretty early on.

[Caleb Hammer]

But you just broke up.

[Logan]

Yeah, we just broke up. That was like a year and a half ago.

[Caleb Hammer]

Let's see her.

[Logan]

Okay.

[Caleb Hammer]

Let's see what he pulls.

[Logan]

I have pictures of her.

[Caleb Hammer]

Let's see what he pulls. I don't like if what I said, first of all, I had a lot of sex. Sounds weird. I have pictures of her also. Sounds weir. Sounds very.

[Logan]

I. I don't. Well, not like that. What the. You know, it's a recent. I haven't deleted them, but I don't pull. Let's make that very clear. I have no game.

[Caleb Hammer]

He's really bringing the expectations down. But she's cute. But give me more pictures.

[Logan]

Okay.

[Caleb Hammer]

Maybe an Instagram or something like that's. But I find like, you know, just like the morning messy look cute. So, like, almost anyone would look cute in that.

[Logan]

A lot of my pictures of her are like that.

[Caleb Hammer]

Just bring up her Instagram. Creepy.

[Logan]

I'm blocked on Instagram.

[Caleb Hammer]

You're blocked? Why do you always have bad breakups? I've never been blocked by. I've been blocked by 1x.

[Logan]

That's when we went on a date.

[Caleb Hammer]

She's cute.

[Logan]

I know she is.

[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

What would you have? There's no dickies. You sit. Are you saving dickies?

[Logan]

No, I don't save dickies. You just might forget to or. I don't know. There's weird shit in there.

[Caleb Hammer]

What would be weird? Well, now I want to look. No. What the.

[Logan]

They'll do that. You're gonna see some weird in your head.

[Caleb Hammer]

What's weird to you? Tell me what weird is before I stumble upon something I don't know, you.

[Logan]

Might see some personal. I don't know, some. I don't know. Me and her. I don't know.

[Caleb Hammer]

I don't know what I'm looking at. They're wires. Okay, here she is again. No, she's cute. You Pull. Okay, I don't pull. You pull.

[Logan]

Okay, I don't pull. They come to me, and I don't know how it happens. It just does.

I have no game, I'll admit that. Openly zero game. You know how I got her?

What the Is that? Oh. Oh, that's my pick. Yeah.

[Caleb Hammer]

This is actually, I would say, one of the most boring camera rolls I've ever gone through.

[Logan]

Shut the up. It's not boring. Those texts are exciting. You know how much China would pay for this shit?

[Caleb Hammer]

Those cats.

[Logan]

My cats are adorable.

[Caleb Hammer]

They are adorable, but it's not weird. I was hoping to see, like, a Lanican.

[Logan]

No, I don't. I don't. That's actually a talking point of why we broke up.

[Caleb Hammer]

No, she's cute.

[Logan]

I know she's cute. So she had a problem with. And I told her. I've had a lot of. I lost my friend to it. My mom was going on.

He'S not dead. He went schizophrenic, and now he's homeless and just on the sheets.

[Caleb Hammer]

And you think that was because of.

[Logan]

I know it's because he lived with me, and I watched it happen.

[Caleb Hammer]

It does lead to higher chances if you're doing those kind of drugs when really young.

[Logan]

But with her and. Dude, it's so bad. I told her when we got together, I said, you can't be with me. Andu. And there was, like, constant. Every time she would go home, she would end up doing it. It would cause issues. She would do something.

[Caleb Hammer]

Every time you guys went home, she was snorting.

[Logan]

No, no, no, no, no. She went to her hometown.

[Caleb Hammer]

What? With her family. She was like, let me get some.

[Logan]

With her ratchet ass friends that are over there. And I would always say, why would.

[Caleb Hammer]

You stay with a.

[Logan]

Well, that's the thing.

[Caleb Hammer]

Just flat out, why would you.

[Logan]

So she kept. She would go, like, three, four months without doing it. She would go back home with her ratchet ass friends, and she would say, we're not gonna do it. And then she ended up doing it. But the reason we broke up was because of alcoholism. She would, like, get super drunk and go on these, like, four to five hour tirades of just, like, talking, throwing, breaking. She keyed my Jeep. Poured water in my bed. She keyed your Jeep? Yeah, bro.

[Caleb Hammer]

And you know. You broke up with her?

[Logan]

Yes.

[Caleb Hammer]

Good, because she sounds like a crazy.

[Logan]

You know why she keyed my Jeep?

[Caleb Hammer]

Why she keyed your Jeep?

[Logan]

So we went out to get some food, and I was closing out with the barkeeper. You Know, getting a couple beers. I tipped $4 on a 21 bill, and she said that I was showing the chick bartender special treatment, and that's.

[Caleb Hammer]

What led to $4 a special treatment. That's what the I said, bro. How much was she spending on?

[Logan]

That's what I want to know. Because also, she barely worked, so that was all my money.

[Caleb Hammer]

Boring camera. Okay, well, I'm wrapping it up because I've scrolled forever. I didn't get to see. There wasn't one weird thing. See a line of a thing. I'm like, that would have been incredible. All right, what do you think your financial score is? 0 to 10, 0 being the absolute worst, 10 being the absol.

[Logan]

I'm gonna go with a 2 just because I have some in 401k and I have a decent income.

[Caleb Hammer]

Income doesn't really. You can be making a low income and still be in a good financial place. It's what you. You can be. You can make millions of dollars a year and be absolutely beyond.

Income.

[Logan]

Then I'd say one.

[Caleb Hammer]

Okay. If you want your hammer financial score, see where you stand in the world of [e-mail] Take the assessment. It is free and you'll see where you need to improve where you're doing well. So take it. Why not? 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. My preferred budgeting app. It is great. Tens of thousands of people have changed their lives with it. You can take a free trial and if you like it, center for the annual version to save a lot of money. And when you do, only for about a month or two left, I will sign my budget friendly cookbook mailed directly to you, and then it's going to go away forever. You giggling?

[Logan]

Yeah, giggling at your cookbook, bro.

[Caleb Hammer]

It's funny.

[Logan]

Why you look so cute?

[Caleb Hammer]

What? Oh, this is. This is the big car.

[Logan]

Yeah, that's the Jeep. It.

[Caleb Hammer]

This is the one me for.

[Logan]

Yeah. It's entirely your friend.

[Caleb Hammer]

None of your own actual.

Decisions.

[Logan]

I'm just saying, you know, because you.

[Caleb Hammer]

Chose to put a bunch of money into it before you got your truck.

[Logan]

Yeah, I put in almost $8,000.

[Caleb Hammer]

That was your choice.

[Logan]

Yeah. Fixing it and trying to get it right. And then I was gonna sell it.

[Caleb Hammer]

And get a little bit of a sunk cost. Yeah, because you're still putting more money into it to bring it to a place where you can sell instead of just, okay, cut our loss and let's just Focus on paying on the debt.

[Logan]

Yeah.

[Caleb Hammer]

How much? For every dollar you put in, how much. How many dollars are going towards the actual sales price? Right.

[Logan]

Well, I looked it up online, and as it is now, I have a couple more things to do. I have to fix the key from the Latina, but I think I love peeing cars. I don't know why, bro. I'm like, I'm glad she didn't do it to the truck. I was like, okay, you didn't do it to the truck. But, yeah, they're taking advantage of the.

[Caleb Hammer]

Flexible motion that they have before they hit 25.

[Logan]

God damn it. Oh, third into the torta.

[Caleb Hammer]

No, I've been to San Antonio. Big old women down in San Antonio.

[Logan]

No, definitely. She was hardcore with it. And the worst part was I had to wake up for work the next day, and she was yelling at me until like, 2, 3 in the morning. And that's whenever she poured water all over the bed so I couldn't go to sleep. And she.

[Caleb Hammer]

Why were you with this woman? I've never been with someone that has done 1% of these things.

[Logan]

And then she. She punched me in the head twice. She.

Yeah, she threw all my. Broke it, smashed my wallet. I can't. You can't. She. I don't know. She blocked me on there. Like, she just didn't want to talk to me.

[Caleb Hammer]

I have a phone.

[Logan]

She doesn't want to talk to me, bro.

[Caleb Hammer]

She won't.

[Logan]

I will, bro.

[Caleb Hammer]

That'll be fun. Stay tuned for that.

[Logan]

She made it clear. I don't know. I don't even want to with it anymore. I'm just kind of tired of that, of women in general. I'm good on them, you know?

[Caleb Hammer]

You're going men.

[Logan]

You know, I was actually joking when we were in the green room, I was like, it'd be so much easier if I was gay. One of my.

[Caleb Hammer]

Like, yeah, they were talking to very gay Culton.

[Logan]

Yeah. One of my. One of my day one homies. My gomi, if you will.

He's married now, and I was talking to him and I was like, damn, bro. I wish I could switch teams. It'd be so much easier.

[Caleb Hammer]

Stick it in a dude. I don't know why not.

[Logan]

I'm good on that, but it's homophobic.

[Caleb Hammer]

Colton. I'm sorry.

[Logan]

That's right. I'm sorry. It's just. I hate y' all so much.

[Caleb Hammer]

What's the interest rate on this card?

[Logan]

On that one, it's gonna be 8%.

[Caleb Hammer]

That was also not my fault. Nor Did I ever say to go.

[Logan]

Get an 8% loan or 18?

[Caleb Hammer]

I forgot you got this a couple years ago.

[Logan]

Yeah, yeah, I, I, I don't know. That was a low century.

[Caleb Hammer]

Probably about 6% is what you would have gotten.

[Logan]

Yeah, but that I was only on my place. I never had my parents car insurance or anything for history. And so I don't know. Like most people are on their parents car insurance when they're like 16 to 18.

[Caleb Hammer]

Why weren't you?

[Logan]

They have a history. I'm not cool with them.

[Caleb Hammer]

And why aren't you cool with them?

[Logan]

It's a lot, bro. Okay. So my mom took us everywhere growing up. You know, place to place place. We moved every like eight to eight months to a year. And we were never ever stable anywhere. And so everything I've done and everything I've built has all been with just me. So she was always kind of just like a place I stayed sometimes.

[Caleb Hammer]

And it was such weird dynamics with everyone. Is it not an odd thing that every single person you've had an interaction with in like a more close relationship, family and girlfriends, everything ends up in crash out blocks.

[Logan]

Yeah, it sucks pretty hard. Except my day one homies. Those guys are ride or die.

[Caleb Hammer]

Uh huh. For now. You're 21.

[Logan]

Yeah. Well I've known since 6th gr. They're cool.

[Caleb Hammer]

You're 21. For now.

[Logan]

Yeah. I don't know.

[Caleb Hammer]

Trust me, life comes.

[Logan]

I mean I rock solo down here. They're all far away.

[Caleb Hammer]

Exactly.

[Logan]

I rock solo here in San Antonio. And I got to say like I'm in my best when I'm alone. Like ever since the breakup I've been doing a lot better.

[Caleb Hammer]

You owe $13,730.15 on this 8% interest rate. $386.36 minimum payment.

[Logan]

Mm.

[Caleb Hammer]

It ain't cheap.

[Logan]

No, it's not.

[Caleb Hammer]

But for your income that's certainly okay. But it's just sitting there doing nothing.

[Logan]

Yeah.

[Caleb Hammer]

So you looked at. Okay, if I do this, if I do this, I can sell what's the number you're seeing?

[Logan]

So I think I can get about 8k for it once I finish.

[Caleb Hammer]

After you already put in eight?

[Logan]

Yeah. And then I can't get a loan.

[Caleb Hammer]

For the difference again. If you listen to the show, if you listen to any of the other people, you would have known that. Okay, maybe if you owe 13,000 on this and it costs 8 to sell for 8.

[Logan]

Well that was like a year ago.

[Caleb Hammer]

Cut your loss cause you got the truck already anyway. How much more do you have to Put into it to bring it into the. Bring it up to that, to bring.

[Logan]

It to where I can sell it. Or wait. Eight.

[Caleb Hammer]

Yeah.

[Logan]

Okay.

[Caleb Hammer]

So how much more money?

[Logan]

Oh, it's gonna be about 500 bucks.

[Caleb Hammer]

Okay.

[Logan]

300 for the paint, and then 200.

[Caleb Hammer]

200 and get rid of it.

[Logan]

Yeah, that's my current plan. I've been trying for a while, but I'm just now finally about to. I just gotta pay it down some more before I can sell it.

[Caleb Hammer]

600. Okay. So, 04.

[Logan]

That's the truck.

[Caleb Hammer]

And this is much more expensive.

[Logan]

Yeah, it is. And I gotta be honest. This was a little bit or a lot of it. Of a what I want purchase. I've always wanted a Ford Ranger. Why? So you might be big and shit.

[Caleb Hammer]

But you ain't no fucking Ford fucking Ranger.

[Logan]

Well, when I was a kid, I grew up in East Texas, and so, you know, it's like ice trucks. And I just really like the Ford Rangers. They're sick. It's like a tiny truck. You get good gas mileage, but all the benefits of a truck.

[Caleb Hammer]

Okay, well, you owe $33,723 on it. What do you think it's worth?

[Logan]

I think it's worth. I looked it up on Kelly Blue Book. I think it's worth about 28.

[Caleb Hammer]

What? What are you getting? What did we do? We have $16,188.

[Logan]

Oh, yeah. I probably don't have all the packages. Right.

[Caleb Hammer]

Okay, so 20.

[Logan]

20.

[Caleb Hammer]

Is that what you said you saw?

[Logan]

No, 28.

[Caleb Hammer]

28. Really? Are you sure?

[Logan]

Yeah, because it's the Ford.

[Caleb Hammer]

The packages brought it up that much over, like 12,000.

[Logan]

It's the XLT with a tunnel cover with a.

[Caleb Hammer]

No, we did your bins. We wouldn't have it. Oh, we did his vin, right? Oh, you didn't send a vin. We always.

[Logan]

That's my fault. But, yeah, I looked it up and it was about 28. But this I want to keep. And that's fine.

[Caleb Hammer]

I mean, with your income situation, if it was just this, we can deal with it.

[Logan]

Yeah.

[Caleb Hammer]

So that's the old Jeep that you put more money into than you'll ever get back. And we have credit cards galore that we're about to go into.

[Logan]

Well, the credit cards.

[Caleb Hammer]

So if it was just this, I would agree. For you income, it's fine.

[Logan]

Yeah. The reason I'm not. Not worried about the truck is I'm gonna get rid of the Jeep pretty soon. I just gotta pay it down. And then the credit cards are what my main focus is right now. So the plan is credit cards, Jeep.

[Caleb Hammer]

And then you actually spent everything you made. Well, basically the dollar. You didn't necessarily overspend, but you didn't underspend either. So what's the interest rate on this?

[Logan]

That one I refinanced to 9%. It was at 13.

[Caleb Hammer]

It's the best thing because your debt to income. Well, your debt to income is not maybe the most horrendous in the world. It's probably not great. But the thing is you do have bad debt.

[Logan]

Yeah.

[Caleb Hammer]

And a lot of it. And it was probably young credit because you have so many cards you've opened.

[Logan]

You'll see. It was my credit.

[Caleb Hammer]

Nine insane.

[Logan]

My, my total credit. Like you can get a car loan.

[Caleb Hammer]

A lot worth 6% right now.

[Logan]

I don't know. 21 year old can get 6% 21 year old.

[Caleb Hammer]

You're right, that is hard. But you're making it even harder by opening all these accounts, making your credit.

[Logan]

It was, it was, it was like an extra 5.

[Caleb Hammer]

Substantial debt.

[Logan]

Yeah, it was a lot worse. I paid it down and so I might be able to refinance again here soon.

[Caleb Hammer]

I would wait for rates a little more.

[Logan]

Yeah. So I was really happy to refinance though I did keep the payment the same. You probably tell. But at 9% took off a lot of time. So I was really happy with that. Yeah.

[Caleb Hammer]

Yeah. It's $630.34.

[Logan]

It's not too bad. Honestly, the insurance is a Little High. It's 330, which is probably pretty average for my age group. The Jeep insurance was $480 at one point though. And that was monstrous. That sucked. It was more than the payment.

[Caleb Hammer]

Yeah. The minimum payments, chunky too. Because when we add these both together.

[Logan]

Yeah.

[Caleb Hammer]

We're talking. We're at like a thousand bucks a month. And then luckily you're bringing in 82 because you need to bring in all your income.

[Logan]

Yeah.

[Caleb Hammer]

You really do.

[Logan]

And luckily the income too is.

It's one of those things that I'm able to control a lot. So like if I'm low one month I can work more and make more money.

[Caleb Hammer]

Why aren't you always making more money?

[Logan]

I am.

[Caleb Hammer]

Pay off your debt. Close to what? No, you just said you can make more.

[Logan]

Yeah, I mean I have down more. I have down months where I'm like.

[Caleb Hammer]

Wait, why is it down?

[Logan]

Well, like that month for example is going through.

[Caleb Hammer]

If you can make more. Why?

[Logan]

I am.

[Caleb Hammer]

What do you mean? Why is there a down month then?

[Logan]

Well, I Was depressed after the breakup.

[Caleb Hammer]

Oh, dude, just literally download Grinder and stick it in a hole. You'll be so happy.

[Logan]

Dude, no. Okay, hold on. I have. Tinder is cursed, okay? I'm gonna tell you that right now. That is cursed. That's what led to that chick and. Oh, man.

[Caleb Hammer]

Dude, no. Swipe on Tinder. Stick it in. Have yourself a couple rebounds.

[Logan]

I've been burnt so many times, bro.

[Caleb Hammer]

No, no, I'm not saying go out there and date. I'm saying go out there and see.

[Logan]

That's how you actually get an std. That's nice.

[Caleb Hammer]

Put the condom on. Or people that you trust.

[Logan]

How you supposed to trust someone you meet on Tinder?

[Caleb Hammer]

Huh? Build that relationship, then take it off?

[Logan]

Yeah, I guess so. But I don't know. I'm just focusing on women right now.

[Caleb Hammer]

Like I said, download Grindr, but that's even quicker. Grindr.

Better than Sniffies. Yeah.

You know, Sniff.

[Logan]

Huh? You know, the sniff I thought you were talking about?

[Caleb Hammer]

No, but Grindr and goes very well together. Oh, wow.

[Logan]

That's a statement.

[Caleb Hammer]

What's this?

[Logan]

Oof. The AT&T phone. Yeah, so that one.

[Caleb Hammer]

What?

[Logan]

Okay, so this card phone.

[Caleb Hammer]

You have a credit card.

[Logan]

Okay, let me explain.

[Caleb Hammer]

What.

[Logan]

Back up. So I got this card when I was with AT&T, right? And they were doing a promo. Hey, pay your bill through this credit card and you'll get $20 a month off your bill.

[Caleb Hammer]

Tight.

[Logan]

And so I got that. And then what ended up happening is the Jeep repair came up, and that is the card that actually put the engine on. And that's where a majority of that comes from. And then, yeah, it's been really weird. I switched to T Mobile, and there's more complications with that that we can talk about.

[Caleb Hammer]

Bring it up on your phone.

[Logan]

Bring what up?

[Caleb Hammer]

This. Because he didn't send a statement. He sent a screenshot.

[Logan]

Oh, my fault.

[Caleb Hammer]

Someone who watches Finance YouTubers doesn't know how to.

[Logan]

Well, there.

[Caleb Hammer]

I don't think there's apps.

[Logan]

No, I don't think there was anything on. There is. Why? Here you go.

[Caleb Hammer]

No, you can download monthly statements, big guy. There are monthly statements.

[Logan]

Yeah, but I'm not with AT&T anymore. I switched to T Mobile.

[Caleb Hammer]

That's exciting.

[Logan]

Yeah, but.

[Caleb Hammer]

Okay, so balance has not really changed. Haven't really done any much, even though you said this is your focus.

[Logan]

Well, I'm doing the snowball.

[Caleb Hammer]

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[Logan]

Uh, limu is that guy with the binoculars watching us. Cut the camera, they see us. Only pay for what you [e-mail] Liberty Liberty Liberty Liberty Savings Fairy underwritten by Liberty Mutual Insurance Co. Affiliates excludes Massachusetts.

[Caleb Hammer]

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[Logan]

Yeah, and I mean this is what.

[Caleb Hammer]

We have and this is what we have today.

[Logan]

Yeah.

[Caleb Hammer]

That's insane.

[Logan]

Yeah, I know. There's a lot of bad decision making.

[Caleb Hammer]

See how I just click abuse statements?

[Logan]

Yeah.

[Caleb Hammer]

Yeah. That's how you do it. So if you. Come on caleb.com apply actually send a statement.

[Logan]

Well, there wasn't anything on there.

[Caleb Hammer]

Yes, there is. There's just accruing.

[Logan]

Yeah.

[Caleb Hammer]

$113.79. I get the total just like look of a year making minimum. How long do you think this takes to pay off minimum monthly payments only without any purchases.

[Logan]

113 minus 157. So 44. Roughly 120 months. So 10 years.

[Caleb Hammer]

16 years with interest.

[Logan]

I did the math wrong.

[Caleb Hammer]

16. You did the math wrong.

[Logan]

Math competitions were for nothing.

[Caleb Hammer]

Thousand hours in interest this year so far. Years end. That'll be close to two on one card alone. One out of many that we're gonna go through.

[Logan]

That is my highest one.

[Caleb Hammer]

But barely because there's many close to it.

[Logan]

It's. It's rough. Yeah, that. That one is probably gonna. That's a rough one.

[Caleb Hammer]

What then? You want to start a company soon?

[Logan]

No, no, no.

[Caleb Hammer]

Oh, I'm being told he wants to leave the zoo job in here and start a robotics company.

[Logan]

I do, I do. I want to do that after I pay off my credit card, so. Or probably.

[Caleb Hammer]

And have a year worth of emergency funds at a minimum if you're going to the world of starting a business.

[Logan]

Yeah, I'll probably do that next summer.

[Caleb Hammer]

What? What? What do you mean? Wait, you're not paying off debts?

[Logan]

You don't think so?

[Caleb Hammer]

I don't see any indication of.

[Logan]

Oh, okay. No. Yeah, I reckon I'll be done with the credit cards by like January and then I'll get my bonus.

[Caleb Hammer]

In what way?

[Logan]

I mean we can go over the.

[Caleb Hammer]

Numbers we are right now. I don't see it. And you'll have a full 12 month emergency fund.

[Logan]

No, I won't have a 12 month emergency fund now I'll probably have like a 3 to 6.

[Caleb Hammer]

Which by the way, I know the little savings emergency fund you have right now was completely blown yesterday.

[Logan]

Yeah, okay, so I was Buddy booze.

[Caleb Hammer]

I'm not women friends. That's where all your hundreds of thousands you've made in your young life have gone. And I'm to. And to family, I guess, even though you say you're not close to them and I'm to believe that all these credit cards, this will be paid off.

[Logan]

I'm locked in a few months from now.

[Caleb Hammer]

And then a 12 month emergency fund after that. Locked in for a second, big guy. You're zinned up and you're gone. You're gonna find another flap and you're gonna dive head in as you always do.

[Logan]

This is what my homies were telling me. They were telling me to not with women until I pay this off. And I was like, let's look. You get it.

[Caleb Hammer]

You sure? Until you don't. Like you said, you and I have the same problem. Yeah, we like women. Whoops.

[Logan]

Oops.

[Caleb Hammer]

You will fall back in.

[Logan]

God damn it.

[Caleb Hammer]

Luckily, I'm. I'm locked in. Locked down. Yeah, with a good one, too.

[Logan]

She cost you a lot?

[Caleb Hammer]

No.

[Logan]

Really?

[Caleb Hammer]

No. Okay, we live together. But no, I mean, anything I do, she just does with me. So I guess, yeah, sure, if I'm going out to eat, it's double now, but that's not, like, crazy.

[Logan]

Oh, dude, that was a big thing. It's whenever I finally switched from eating at home because the original deal was since she wasn't working, she was gonna, like, cook and clean. That was like, you know, pretty good deal.

[Caleb Hammer]

The head.

[Logan]

Yeah. Okay, well, she. I wouldn't call her a. Well, I mean.

[Caleb Hammer]

Yeah, but she was a.

[Logan]

She relapsed like four times in the course of a year and a half.

Yeah, it was really hard, though. It was emotional. It was really rough. These bad habits and stuff. I felt like were, you know, eating out. Every month I was spending, like over $1,000 eating out on bullshit. You know, for two people covering everything she needs covered, which, you know, is obviously not her. I should have not done that. But now I'm in that mode. I'm locked in. I'm gonna get shit done.

[Caleb Hammer]

I hope so temporary. We can all get locked in for a day or two.

[Logan]

I've done this before. I've done this before.

[Caleb Hammer]

You have? And that doesn't scream. Okay, great. Because that means we're not learning our lessons. We're not doing anything. We'll be here again. So that's why I'm just a little nervous. And again, if you blew your emergency fund yesterday.

[Logan]

Oh, yeah, about that. So I was doing the Dave Ramsey banned and then, you know, pay off debt.

[Caleb Hammer]

Why would you do that?

[Logan]

$1,000 and then pay off debt.

[Caleb Hammer]

A thousand hours is not even close to enough.

[Logan]

Well, because I know it's not. But what I'm saying is, anytime people.

[Caleb Hammer]

Have been on this show throughout the three years that have done the $1,000 and then end up in more debt than they were before, they saved up a thousand. No, one month emergency fund or the money guy rule. Do you watch them?

[Logan]

Yeah, I watched you. Okay.

[Caleb Hammer]

Okay. Well, watch the money guy, too. They're good. They do highest deductible because a thousand dollars is nothing. He just hasn't changed it for decades. And now their argument, because they want to stick to the rules, in order their stuff.

[Logan]

Yeah.

[Caleb Hammer]

Is that. Well, it's because it's just about changing behavior and getting a w. It doesn't matter. More people, you end up with worse debt in the end. Yeah, because no emergency is less than $1,000, and then you end up in more debt. So get that. Get that.

[Logan]

High deductible month.

[Caleb Hammer]

Highest deductible or a month. Whatever you want to do.

[Logan]

I was going to do. I was going to.

[Caleb Hammer]

Well, either way, you blew it. Where?

[Logan]

Oh, so I didn't. I didn't spend it. My homie is going to police academy and he's a newlywed, so he's down bad for cash right now. And last minute, they dropped on him some big expenses, and so I spotted him.

He's never asked for money before.

[Caleb Hammer]

Emergency fund, though. You can give when you have more to give. That's when I do it. Now you're. If something pops up, well, you're destroyed.

[Logan]

Next week, I'll put it back.

[Caleb Hammer]

But you'll put it back with your income, maybe based on this funding. I mean, we'll see. But two, what about. Does he owe it back to you?

[Logan]

Yeah, he said he's gonna get me back. I told him, you know, well, just let me know when we're gonna do it. But he's always been cool with me, and he's never borrowed money from me before. I trust him.

[Caleb Hammer]

I hope so. It's not about trust her. If he can pay it back. That's all you had to your name. If something happens tomorrow, you're done.

[Logan]

Well, I still have money in my account.

[Caleb Hammer]

How much?

[Logan]

Like a thousand dollars total. Thousands. But I paid all my bills.

[Caleb Hammer]

What do you think an emergency is? It's not a bill.

[Logan]

True, but I don't know. My other car is running. I'm good on the car. And I had. I feel like I've had every possible bad thing that could happen this year.

[Caleb Hammer]

This is the thing.

[Logan]

I should be Max.

[Caleb Hammer]

This is the thing. Yeah, Nothing feels scary. Yeah, when you haven't had an emergency before.

[Logan]

I have. I've had all of them, bro. I had the dog surgery. I had the thousand. Then having a thousand shoulder breakdown, huh?

[Caleb Hammer]

Then having a thousand should terrify you. I really should.

[Logan]

I guess I'm just jaded from it.

[Caleb Hammer]

Okay, city, pull up this. This is a double cash.

[Logan]

Yeah, it's the same. You can just swipe on here. It's on the app. See, there you go.

But yeah, so that one. It was also car repairs.

[Caleb Hammer]

This balance went up, by the way, since the statement you gave us.

[Logan]

It went up. Oh, no, it didn't.

[Caleb Hammer]

No, it didn't. It's about the same. Okay. $3,287.56.

[Logan]

Yep.

[Caleb Hammer]

Minimum monthly payment of 9,111.

[Logan]

Yeah, those minimums get me, man. They always hit it the worst times.

[Caleb Hammer]

Yeah. Cuz you're putting everything on credit cards and this makes no sense of how you've lived your life and went from the most blessed position anyone could ever imagine.

[Logan]

Well, I went blessed. I'd say I took it myself, but.

[Caleb Hammer]

Well, yeah, but you can. It's okay to be humble.

[Logan]

Well, no, that's the thing is 12.

[Caleb Hammer]

Years to pay it off. Minimum.

[Logan]

What I was gonna say, like what you said, like I had every possible bad thing happen happen during those times.

[Caleb Hammer]

Like not everything, but pretty much you had some bad things. Listen, this will be a thousand a year in a thousand this year in interest. By the. So now we're at about $3,000.

[Logan]

That was the same as the other one.

[Caleb Hammer]

That's crazy. No, no, no, not a thousand this year so far by year's end. So we're talking 3,000 hours by year's end in interest.

[Logan]

That's tough. Yeah, no, but see on that one.

[Caleb Hammer]

Half of your month of income from your main job. And I guess you use this card for your robotics lab in your house.

[Logan]

Yes.

[Caleb Hammer]

10 to $20,000.

[Logan]

Oh, okay, okay, okay. So the lab itself is 10 to 20k. My lab is so sick, bro. If you saw. It's so awesome. But I like to build robots and I build a lot of them all the time. It's a fun hobby. And I actually made you a robot.

It's in my bag.

[Caleb Hammer]

All right, let's see it.

[Logan]

Okay. Okay. Okay. And I put the little boo boo on just for you.

[Caleb Hammer]

Oh my gosh. I didn't know you were.

[Logan]

It's not mine.

[Caleb Hammer]

A word I don't want to say.

[Logan]

Okay, so keep in mind I only had four hours yesterday and I was left by like one.

[Caleb Hammer]

You didn't know you were coming on the show then? That. That.

[Logan]

Huh?

[Caleb Hammer]

You didn't know you were coming on the show?

[Logan]

I work a lot. Okay, okay, but see, I have to plug it in. I only had time to do the essential parts. I Was limited by print time. It says hammer hammer dat$. Oh, sorry. Yeah, yeah. It's incredible.

The money.

Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is I just make stupid robotics, and sometimes I do make actual robotics for work.

[Caleb Hammer]

This is what we're starting a business with.

[Logan]

No, no, no. Business is not this. Okay. And.

[Caleb Hammer]

So you're about to make a trade based on a friend's text, but.

[Logan]

Which u do you listen to? Is it.

[Caleb Hammer]

We could buy a house in Tulum.

[Logan]

Get optioning those options.

We could lose everything.

Or let's do a little research.

[Caleb Hammer]

Get your head in the trade and.

[Logan]

Make the investment decision that's right for you.

[Caleb Hammer]

Learn [e-mail] TradeSmart.

[Logan]

That'S the whole bit.

[Caleb Hammer]

To save you from heartbreak in the future. Put your dick under there right now.

[Logan]

Yeah, that probably would help my financial situation. Remove the little head and think with the big one. But we ball.

[Caleb Hammer]

Yeah, you're right out of the show. Silicon Valley from hbo.

[Logan]

I don't know what that is.

[Caleb Hammer]

You should watch it because you're like that.

[Logan]

What do you mean?

[Caleb Hammer]

It's just all about you. You're every character in that show.

[Logan]

How so? I don't know this. I like building.

[Caleb Hammer]

Like, I don't get the references, so I won't say.

[Logan]

Okay. No, I have a lot of robotics, and that's actually how I got into the job field that I'm in. That is making the money is. Yeah, I mean, I'm sure my personal projects. It was a robot arm.

[Caleb Hammer]

Yeah.

[Logan]

Okay.

[Caleb Hammer]

PayPal credit. Hey, you learned how to send a statement this time. Time.

[Logan]

Yeah.

[Caleb Hammer]

Really proud of you.

[Logan]

Down had stuff on it. Yeah. So the PayPal credit card, that one I originally got out for the flights going back forth to Vegas. And what I did was it was kind of stupid. They had like, a zero interest thing.

[Caleb Hammer]

Well, I thought, well, if it was work, did they not pay for it?

[Logan]

No, it's for my girl. They paid for mine. I know I should have said that. We were married for it.

[Caleb Hammer]

Oh.

[Logan]

But, yeah. And so. So, yeah, I'll take her to Vegas with me. And yeah, it was a thing, but I would. I got my check from it and I was gonna pay that back, but had zero interest. So instead I paid another credit card.

[Caleb Hammer]

$2,363.95.

[Logan]

And there's some other bullshit on there. I'm not.

[Caleb Hammer]

Minimum monthly payment, $77. You got Peacock.

[Logan]

Oh, I need to cancel that, bro. That was.

[Caleb Hammer]

Yeah, you do. It's Peacock. You should cancel it. But Also, Peacock, you're spending on poster on a card you can't pay off. That is accruing interest. That doesn't make sense.

[Logan]

Yeah, yeah.

[Caleb Hammer]

So.

$54 and 82 cents of interest accrued this month.

[Logan]

I know, it's rough, Peacock. I need to cancel. I don't like la Violinos for my ex, but there is a purchase on there that you'll probably roast me for.

[Caleb Hammer]

I don't see it. What is it?

[Logan]

Okay, so we were talking about it in the green room. I got scammed, I got swindled, I got bamboozled, I got false advertised.

[Caleb Hammer]

The hell.

[Logan]

Okay, so what happened was. Cause I thought I just gotta get it out there before you see it is. I was scrolling on ig, find popped up and I was piqued my interest. And she was working integral, right? But in like a slutty dress. And I was like, that's pretty cool.

[Caleb Hammer]

Wait, wait, Integral, huh?

[Logan]

Calculus.

[Caleb Hammer]

Oh, okay.

[Logan]

Yeah, yeah. So that's like. I was like, this is pretty cool. And she was like, if you want to see me do this, but naked, go. I've never been a guy. I've never done it. But I didn't even get to goon to it. I got scammed, okay? I was straight up scammed, bro. I swear to God. I didn't get to go. I go on there and I'm like, hell yeah, Shawty's about to solve a. You know.

[Caleb Hammer]

You didn't check the leak site first? I didn't know real gooner knows to check the leak site.

[Logan]

I'm a new to only fans. I'm. I know, I've never done that before. And so I subbed and it was just her tits. And I was like, well, this is lame.

[Caleb Hammer]

Oh, you saw titty?

[Logan]

Yeah. But she wasn't doing math. So I was like, this is pretty lame. Like, I'm just saying ladies out there, if you want to make some money, you know, maybe like, you know, calculate the resistance of a circuit while you're just throwing it back. Huh?

[Caleb Hammer]

Are they nice?

[Logan]

I mean, their boobs are cool.

I'm just saying it would have been cooler if she was doing differential equations while doing it.

[Caleb Hammer]

I agree. Did you go through all her videos.

[Logan]

To make sure I scrolled a little bit? Yeah. And I gotta be honest, I was duly disappointed. And I think I answered her.

[Caleb Hammer]

Answer me a question. Yeah, you didn't come?

[Logan]

No, I didn't.

[Caleb Hammer]

What?

[Logan]

Yeah, I didn't. I was really disappointed. Cause I was down bad because, you know, I was pressed after this breakup. You Know, and I haven't had none in like two months.

[Caleb Hammer]

Strip club. That was always my reaction, bruh. And then I went once with these people, like my.

[Logan]

My coworker.

[Caleb Hammer]

No. Then I want went with these people.

[Logan]

And what the.

[Caleb Hammer]

It was. It was fun. I've always thought of it to be a smelly, horrible.

[Logan]

That's what it is.

[Caleb Hammer]

That place was smelling.

[Logan]

Yeah.

[Caleb Hammer]

For us, Worth.

[Logan]

But what the point of going to is.

[Caleb Hammer]

And then I went with my girlfriend the next week. Week? Yeah. Yeah. We got lamp dances together.

[Logan]

You're joking.

[Caleb Hammer]

No, why would I.

[Logan]

That's crazy. Sam.

[Caleb Hammer]

A gooner. And then I don't goon in real life.

[Logan]

She let you cuck her alive. That's crazy.

[Caleb Hammer]

No, we cucked each other. We were next to each other.

[Logan]

You like swingers?

[Caleb Hammer]

She was making out with a woman. Grabbing tits.

[Logan]

That's crazy work.

[Caleb Hammer]

Yeah, it was hot.

[Logan]

Okay. I mean, that is kind of how we. We circle back to the lesbians. We like that. That we have common ground there.

[Caleb Hammer]

Yeah.

[Logan]

So.

[Caleb Hammer]

But yeah, that's fine. Go to a strip club with your boys.

[Logan]

Hard pass. I think I'll stay in my lab.

[Caleb Hammer]

And Brandon, Lindsey and I will take you to the strip club, bro.

[Logan]

I don't want to go to the strip club.

[Caleb Hammer]

Okay, you won't go with me.

[Logan]

I would go, but you're telling me.

[Caleb Hammer]

You will not go with me, you're a fan of the show, and you will not go hang out with me at a strip club.

[Logan]

Okay, how much money does it cost?

[Caleb Hammer]

We'll take care of it.

[Logan]

If y' all pay for it, then I would consider.

[Caleb Hammer]

Yes, we'll cover the COVID fee, and we'll give you a hundred bucks in dollar bills.

[Logan]

God damn it. Okay, okay, okay, okay. Baby, baby, baby. I got a Latina bias, though, so that's got to be noted. We might have to.

[Caleb Hammer]

They're. They're very prevalent here. We're not that far from the border.

[Logan]

Yeah, yeah, yeah.

[Caleb Hammer]

In fact, some would suggest they're the vast majority because most of them cannot speak English.

[Logan]

That's incredible. Yabla.

[Caleb Hammer]

Whether or not they're here legally, we do not know, but we ball.

[Logan]

But I'm down for it.

[Caleb Hammer]

They're there, dude.

[Logan]

That's the most up thing Trump's done. I'll be dead ass. He's trying to ban the Latinas. That's where I draw the line. Like, you know, make rich people richer and all that. That's up. But when you try to get rid of the Latinas, I. I'm gonna have to march in the streets. And I did. There's pics of me. I'm saying, don't get rid of the Latinas, man. That's up.

[Caleb Hammer]

15, 13 years to pay this one off.

[Logan]

Oh, yeah. Back to the.

[Caleb Hammer]

So you're paying for the ol. Did you cancel your sub?

[Logan]

Yeah, yeah, I did.

[Caleb Hammer]

Good.

[Logan]

I canceled it and I wanted a refund, but they're, like, now you already saw it.

[Caleb Hammer]

Hold on. I have to vet you. I'm not looking at anything necessarily, but log into your only fans right now.

[Logan]

I'll show you. Bro, I'm telling you, she didn't have math on there.

[Caleb Hammer]

It's up.

[Logan]

I honestly really feel like I got scammed. All right, here's her page. Oh, I think it already.

[Caleb Hammer]

That's not what I'm vetting. I don't want to see her. Paige. That's not what I'm vetting.

[Logan]

I don't have any subscriptions on. Huh. Check. Huh?

[Caleb Hammer]

He got a message from one lady this morning.

[Logan]

They all message you.

[Caleb Hammer]

Yes, but that means you subs at some point.

[Logan]

No, they miss Asians showing hole.

[Caleb Hammer]

I know, but they don't message you.

[Logan]

Unless they don't just show it all is crazy.

[Caleb Hammer]

They. They don't message you unless you have, like, subbed at one point.

[Logan]

Oh, well, you can check my subs.

[Caleb Hammer]

We got two. We got three.

[Logan]

I had to shut the.

[Caleb Hammer]

Aha.

[Logan]

I'm not subbed.

[Caleb Hammer]

You have previously. To suggest this was your first is not true. You subsequently subscribed to Margot.

[Logan]

That must have been a long ass time ago.

[Caleb Hammer]

It must have been like, it was a while ago.

And she's.

Very busty.

[Logan]

Who doesn't like titties, bro? We circle back to that. Yeah. Would be cool if they did math, though.

[Caleb Hammer]

I'm saying one of them was Asian.

[Logan]

I think that was the supposedly math one. Well, yeah. She disappointed her culture.

[Caleb Hammer]

Apple card. Bring up your Apple card for me.

[Logan]

Okay. Oh, yeah. So this one. I racked that one up when I got the truck, unfortunately.

And also, I know you said on your show to, like, unad all your credit cards off your Apple wallet. I couldn't unad that one. But all the other ones are.

[Caleb Hammer]

Well, for many people, I'd close it. The fact that you get in and out and in and out and in and out of deck constantly.

[Logan]

That's what she said.

[Caleb Hammer]

Yeah, kind of. That's. That's what's concerning to me, this is like, basically maxed out, minimum.

[Logan]

Well, the reason it's maxed out is because they lowered 8.

[Caleb Hammer]

14.

[Logan]

I think they lowered my availability. 71 after it sat with a balance for a while. It was. The availability at one point was higher there.

[Caleb Hammer]

71 is your minimum payment.

[Logan]

Yep.

[Caleb Hammer]

Apple card used. Apple card used. This was just last month. Apple card used.

[Logan]

Apple card, yeah. My subscriptions hbo.

[Caleb Hammer]

Max, we definitely don't be.

[Logan]

I can't.

[Caleb Hammer]

We don't. I can't right now. I'm pretty sure Icloud. That's okay.

[Logan]

Yes. I think it's storage. I don't remember.

[Caleb Hammer]

Okay, here we go. Interest charge, 40. I mean, this is probably like a 20. I'm sure this is also about a couple hundred bucks or like a thousand or two thousand this year so far.

[Logan]

You can see actually.

[Caleb Hammer]

Or by end of year.

[Logan]

Okay.

[Caleb Hammer]

I was gonna say by end of.

[Logan]

Year you can see the interest on there. Yeah.

[Caleb Hammer]

I mean, so total. That's a little bit of spending on these cards so far aren't crazy. I'm sure most suspending's in the checking account. Yeah, but I mean every card's maxed out. I'm not seeing whatever this progress is. I haven't seen yet. That's the thing is I want to see it.

[Logan]

A lot of my. They weren't maxed out like the. The ones that you've seen on City. Originally they were like 10k and sunny 500. I know.

[Caleb Hammer]

But now they're maxed out. Yeah, because they brought it down because they don't trust you with money. $1,447.56 on this freedom card. Hey, you sent a statement again. Six years to pay off. 49 minimum to payment. Yeah, just charges last month, 34.97.

[Logan]

A lot of those Chase ones again, maxed out.

[Caleb Hammer]

Yeah, they lowered down a couple dollars off, but maxed out a lot. Listen, the concern is, yes, I believe you can pay this off. I'm picking that up from you. I believe. I don't know by the beginning of the year. That doesn't make sense to me. But I believe you can pay these off. I don't necessarily believe that you will not get them again.

[Logan]

I know.

[Caleb Hammer]

And I. I've not wrap them up again. You've done this before. I.

[Logan]

To the conclusion because I did well on credit cards for the first. Because my first one I got at 16 and I did well until I was about 19. And so I think I just. Now that I live the adult life and have real bills and stuff, I think I might just have to not be a credit card person and not have them at all. But I would like to use them responsibly and so what I want to do is I don't want to close them yet. I'm thinking when I pay them off, I might reintroduce one that's secured and just work that for a bit because I would really like to retrain that muscle.

[Caleb Hammer]

Use the Fizzcard. Fizzcard debit card. That builds credit. It works. It works the same. It just doesn't let you spend more than what's in your checking account. Also get you an accounting certification through course careers. Not for you to change your career path or get more money. It's not about that. But when you start your own business, I want you to be able to do true legitimate business accounting.

[Logan]

Well, I got a guy for that.

[Caleb Hammer]

But well, save your money at the beginning. So I want to make sure you're going in on the right foot.

[Logan]

I know. And see, with that one, originally, I'm not going to lie, I went to Puerto Rico and that's the reason I got a balance on it.

[Caleb Hammer]

What, for a Puerto Rican baddie this time?

[Logan]

Yeah.

[Caleb Hammer]

Actually I'm not even going to. Dude, what are you doing?

[Logan]

Okay, so what, so what happened was. Let me see, let me see. What?

[Caleb Hammer]

Her?

[Logan]

Well, no, that was a random. I don't have any pics of her.

[Caleb Hammer]

You don't know her on Instagram. I can pull all my people.

[Logan]

No, bro.

[Caleb Hammer]

Why do you get blocked?

[Logan]

No, no, no, I never get blocked. I wasn't blocked. I wasn't blocked. I wasn't blocked. So I had gone there with the idea of, of it'd be cool to pull Puerto Rican baddies. And then I went there and I met with. I got these random tech bro friends I made on the front, on the plane and ended up getting smashed with them.

[Caleb Hammer]

Huh, you ended up what?

[Logan]

Oh, I ended up. So I was, I was flying there, I met this guy who worked at Apple and some other tech bros and they're cool as and so I ended up just getting smashed with them on the beach. And then I got up and we went to like these weird prisons and. And then next thing you know, my three days were up.

[Caleb Hammer]

So you didn't even have sex with the Puerto Rican.

[Logan]

That's what I'm saying. I didn't even, I didn't even get to link up.

[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

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[Logan]

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[Caleb Hammer]

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[Logan]

And eligibility vary by state.

[Caleb Hammer]

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[Logan]

Um, good point. Honestly, that was a really badass trip though. I'm not gonna lie. That was pretty tight. Cause I was 18 or. No, I was 19 or 20, I don't remember. But I couldn't drink in America, but I could drink there. So it was pretty tight.

[Caleb Hammer]

Okay.

[Logan]

But yeah, that's how I originally got that balance because I was so burnt out here in sa and I don't know, I just feel like I needed a break and I shouldn't have done that. I know. But honestly, it really did help a lot. And then I did pay that down and then I racked it up on being behind on bills.

[Caleb Hammer]

Dude, your life is just crazy where you're putting money and I just don't.

[Logan]

I know.

[Caleb Hammer]

Listen, you had a breakup. You're a little bitter in the dating world now, but I don't believe you've. You're going to change your lifestyle for a better.

[Logan]

But I've been locked in, bro. I've been in that mode.

[Caleb Hammer]

I don't know, man. I don't know, man. I. I can lock in as well, but when I was in my goon. Early 20s. My goon. I mean, this is. You'll, you'll, you'll, you'll goon. You're a gooner.

[Logan]

I'm a real gooner.

[Caleb Hammer]

You're a gooner. You're always going to want to. You're going to spend money on dates. The.

[Logan]

Well, so here's the new traveling. Here's a new play. Here's a new play. Instead of spending money on women. Right. I build them a robot instead. Think about it.

[Caleb Hammer]

What does it give hand jobs?

[Logan]

I mean, I could. I'm just kidding. You know, it's like a whole industry right now.

[Caleb Hammer]

Yeah.

[Logan]

The hand job machines.

[Caleb Hammer]

Well, because men are. And losers and women are insane. So. Yeah. There's. Among the young generation, the men and women are in your. Your age range.

[Logan]

Yeah, dude.

[Caleb Hammer]

Women are hyper extremists on Tick Tock and men are losers that inscribe stuff on bullets. So I'd like.

[Logan]

I'm trying to. That's what I was thinking. I was like, I should pull me a MILF next. And that's like when I. When I was looking on like Tinder and a little bit. I wasn't going to do it though. I was like, I should pull me.

[Caleb Hammer]

A Mil pull you a milf. Okay. Couple hundred bucks in interest this year so far. So 500 by end of year. We're talking almost like. I think we're at this point, we're 3, 4, 5. I think like almost 5,500 by year's end in interest. So almost a total month of everything combined. Well, of actually of your main income gone so far.

[Logan]

The interest sucks ass. And that's what kind of sucks with the method. But I gotta be honest, Snowball, why don't you Avalanche? Well, because the snowball. I've tried Avalanche before and that's what I get.

[Caleb Hammer]

Those wins.

[Logan]

I don't stay committed.

[Caleb Hammer]

Yeah.

[Logan]

And that's what happened.

[Caleb Hammer]

That's why I would prefer Snowball for you.

[Logan]

I paid off like 5k of the total that at the highest. And I was trying to do the Avalanche, and then now I'm switching to Snowball and I'm finding a lot better.

[Caleb Hammer]

Okay. Savor one of your small ones yet? No progress. $934.18 33 minimum monthly payment. And it is maxed out.

[Logan]

It got maxed out because of my ex's birthday. Tell me me. So it's actually so up. That's how I got this Labubu. So I had for her birthday, she told me she wanted Labo's. Right. And so I bought them and she saw the email of them coming in, so she's like, oh, no, I'm getting for my birthday. I was like, lame. And so I was like, okay, let me get you another gift. And so those came in and I just gave her the box. Right. And then she almost broke up with me because I didn't wrap it.

[Caleb Hammer]

Why?

[Logan]

It was like two weeks before her birthday.

[Caleb Hammer]

The crazy. Yeah, yeah. She's insane, dude. Everything. There's not one thing that sounds normal. Normal. Other than she was like a seven.

[Logan]

I was. I was like. I don't know, man. I was. I was down bad, I guess. But she's a really cool person. It's just. I don't know. I wish her the best. I hope things are well. We'll see. But. Yeah. And then I ended up getting her a different gift. But those. Yeah, I got off stock exchange. I did pay it down.

[Caleb Hammer]

It's just apparently it's maxed out now.

[Logan]

Yeah, but that was from the gift.

[Caleb Hammer]

Yeah, I know. It's crazy. Again, there will always be something to get you up there. And that's what concerns me about you more than anything. Thing.

[Logan]

Luckily, I don't do Christmas. I'm not religious, so. I don't have that holiday.

[Caleb Hammer]

Did you delete your text messages with her?

[Logan]

With who?

[Caleb Hammer]

Her.

[Logan]

My most recent ex.

[Caleb Hammer]

No, you don't see them in the post show. Yes, you better.

[Logan]

You're gonna see some batshit.

[Caleb Hammer]

Exactly. That's why Hammerly is incredible.

[Logan]

I'm not gonna lie. I got crashed out a couple times.

[Caleb Hammer]

I'm sure you did. I would have as well. Crashing out's normal for humans. As long as you can see the.

[Logan]

Text where she said, I think I'm feeding your ego to talk to me. You can see that takes 140 in.

[Caleb Hammer]

Interest is here so far. So it'll be a couple hundred bucks. We're getting close to about 6,000 in interest by year's end. Amazon synchrony card. What's going on with this?

[Logan]

Okay, so Amazon, bro. When I moved to San Antonio, best part, best part about being in the city is day, same day shipping. That is awesome.

[Caleb Hammer]

Oh, from West Texas.

[Logan]

No, I came from East Texas. We didn't have same day.

[Caleb Hammer]

Okay.

[Logan]

But San Antonio does cuz it's like a major city.

[Caleb Hammer]

And $29 minutes. Payment balance $487.44. 23 months to pay this off. Off no purchases. But I think it is. Yeah, it's maxed out. Started over. Maxed out actually. With a interest charge of $12.75.

[Logan]

Yeah, I don't remember that one. Yeah, I bought a lot of. Interesting. My ex would buy stuff on my Amazon too. It's all on there. And I bought a bed on there.

[Caleb Hammer]

$82 of interest this year and it's at a 30% rate. Yeah, it's not good. Getting closer and closer to that. 60,000 in interest or 6,000 in interest. Ken, I'm not seeing progress here. Okay, so this card started a zero, but you put 251 on it with the Freedom Flex.

[Logan]

Yeah, I don't remember that.

[Caleb Hammer]

Great. Well that's. That's absolutely great because that one's not.

[Logan]

Neutral to keep at zero.

[Caleb Hammer]

Well, it's at 251.51 with a minimum through payment of 40.

[Logan]

Damn.

[Caleb Hammer]

Sip it.

[Logan]

Oh, that's booze. Oh yeah. Oh. Good news on the vape. So I quit vaping.

[Caleb Hammer]

That's good.

[Logan]

The ultimate big brain Strat. So what I did is, is I went from vaping to cigarettes. Big brain. Okay, let me cook. Let me cook. Let me cook. Let me cook. Let me cook. Okay, so here's the Strat. Here's the Strat. Let me put you on game. You're vaping Right. I'm chiefing that shit day and night. I work in an office. I'm allowed to do whatever the I want. So I'm chiefing day and night. Cigarettes. I gotta smoke outside. And so what I did was I had to separate out with my cigarettes. I switched to cigarettes. And then at Murphy's or whatever, they were doing a promo, they gave me free zins with every pack of cigarettes. Cigarettes. And so now I switched to Zins. And so I've been two weeks almost. No vape or something?

[Caleb Hammer]

No, I said locking in with Zins earlier. I was making a joke. I didn't know you actually took zins. No, stop it. I don't care.

[Logan]

Okay? But yeah, I'm off the vapes. No more vapes.

[Caleb Hammer]

Wingstop went in and got some bull. What you get from gas station? Seven bucks.

[Logan]

Oh, wait, you said Wingstop.

[Caleb Hammer]

Circle K. You went in.

[Logan]

Oh, Circle K. Probably a Red Bull.

[Caleb Hammer]

Okay, don't do that. Listen, here, here, try one of these.

[Logan]

Oh, I. I was telling them in the thing. I got gamer subs. I with gamer subs.

[Caleb Hammer]

It's so good. Here, there's a free sample. You guys can get free samples now. Again with the powder. You put it in this, it's really good. 10% off with my link or get the free samples. Type in code Caleb. 25 cents a serving. It's like making your Red Bull at home. Like making your coffee at home. 25 cents a serving.

[Logan]

Get the degenerate vtuber ones. They're the best ones.

[Caleb Hammer]

They are, they are. I like the blow hole one.

[Logan]

That's new. It's mine. That's my favorite one.

[Caleb Hammer]

Yeah, it's good.

[Logan]

It's that. That. That German chick.

[Caleb Hammer]

Yeah, I don't know who it is, but it's tropical and I like it.

[Logan]

Yeah, I saw her at Weebcon.

[Caleb Hammer]

Well, you got more Red Bulls. Don't.

There's gas. Yeah, I got pies. Sports bar. Sports bar, Red Bull raising cans and Red Bull.

[Logan]

Yeah.

[Caleb Hammer]

Now you usually pay this off every month, so I'm going to cross it out cuz no interest occurred this year.

[Logan]

Yeah. Yeah, that's my good boy credit card. Honestly, I think what happens when I use that most time I use it accidentally because I would do Apple pay.

[Caleb Hammer]

Whoa, whoa, whoa.

[Logan]

And it was on my. It was on my apple like thing before I took them off. Whoa.

[Caleb Hammer]

What the. Okay, that's the end of your debt. But your checking account's weird.

[Logan]

What's wrong with my checking?

[Caleb Hammer]

Well, we ended with $2,666 which is great. Okay, you started with negative $394.

[Logan]

I remember talking to Colton about this. So what happened was, is I guess I forgot whenever everything was hitting at the beginning of the month because the y' all statement is like in the middle of the month month. And instead of the first. And I guess I just lost track and I spent too much because that was right around the breakup. And I sent her money so she could go drive home. And then I was dead broke.

[Caleb Hammer]

That's crazy, dude.

[Logan]

I know.

[Caleb Hammer]

This is.

[Logan]

She didn't have any money. She had to get home. And so I sent her some money.

[Caleb Hammer]

And to negative.

[Logan]

No, not to negative. The negative came because all my minimums hit right then and I wasn't getting paid till Friday. You can see on there, they're like all right there. And then boom, I get paid.

[Caleb Hammer]

Well, before I look at this, I want to look at your Amazon.

[Logan]

Oh, okay. Yeah, you'll see some that she bought as well. She's not on anymore, just to be clear. But. And then you'll see my most recent is my bed.

[Caleb Hammer]

Here you go.

[Logan]

And you can get to my credit card from. If you go to the account and.

[Caleb Hammer]

Starting screen recording, we'll blackout private.

[Logan]

Oh, yeah, my fault.

[Caleb Hammer]

The tunnel. A novel mattress. You got your new mattress.

[Logan]

Yeah, and the tunnel is just multivitamin.

[Caleb Hammer]

U.S. army forces.

[Logan]

Oh, that's another book.

[Caleb Hammer]

Okay.

[Logan]

I have a lot of books.

[Caleb Hammer]

Sport near adjustable weighted ankle.

[Logan]

Oh, yeah, those are from my AirPods. Okay. Okay. The AirPods pencil set. That's for drawing.

[Caleb Hammer]

That's for cheap dip pen.

[Logan]

It's just like a calligraphy thing.

[Caleb Hammer]

Okay.

[Logan]

But it's just for art. But the, the AirPods I did justify. I worked like almost 100 hour week. And so what I justified it is is I would come in a half hour early and leave a half hour late for three days. It more than pays for the AirPods. So.

[Caleb Hammer]

But you could put towards your dad. Dude.

[Logan]

I know. It's just because I need that reward to get through that week. And then I really wanted AirPods to be able to wear at the zoo.

[Caleb Hammer]

Nerium cup magnet.

[Logan]

Oh, that was for a robotics project. Those magnets.

[Caleb Hammer]

Lots of birthday stuff. Canceled. Canceled, Canceled, Canceled.

[Logan]

Yeah, I ended up canceling them.

[Caleb Hammer]

Colton said there are sex toys on here, but I don't see it.

[Logan]

Sex toys? Oh, that's deep. You gotta find that deep. That's deep in there. In my orders.

[Caleb Hammer]

I don't know. Colton knows it somehow.

[Logan]

No, he was asking what's on there. I didn't know what which ones you'd be able to see. But yeah, I had bought some.

[Caleb Hammer]

Stuffing yourself?

[Logan]

Oh, yeah, big time. I just love plugging.

[Caleb Hammer]

And again, going negative in the checking account to give our ex money. What did we do?

[Logan]

Yeah, I know.

[Caleb Hammer]

We got Red Bull. We got liquor. You get a lot of liquor.

[Logan]

Okay, so that was okay. I went. You're still drinking. I'm not drinking anymore. I want my money month. I went a month clean and I had two beers the other day. That's it. But the re. Yeah, that was. You're seeing my depression week and I was not well, and I did drink a lot. And I think I. If you look at the liquor store, though, I also buy my cigars there, so I was smoking cigars then too.

[Caleb Hammer]

Why? Dude, you just want to. You do everything bad to yourself. Red bull. My doctor hate chilies. Audible, audible. Apple Cash app. Slacker. St. Mary's slacker. St. Mary's Apple Cash. Slacker. St. Mary'S Joey's, La Peronas A Red Bull, Panda Express. Red Bull, Chipotle. Again. We could be paying down all our debt. By the way, you said, oh, I'm making snowball. There is no more than a minimum payment on any of these.

So off. I mean, that's what I was expecting, but I needed to go through to see. Actually, no, that isn't what I was expecting. I was expecting maybe you did make a progress on a small card. You didn't. Red Bull, Chipotle, Red Bull. Red Bull, Hazel Sky, Red bull, Red Bull, McDonald's, Chick Fil A, Thirsty's, Thirsty's, Taco Bell, Schlotsky's, Flex Finance.

[Logan]

Oh, so that's when I was doing my rent and two payments. So, like, it'd be rent on the 1st and rent on the 21st.

[Caleb Hammer]

Why you make money good money?

[Logan]

Well. Cause what had happened that made me do that is I had gotten hospitalized a month before this, and then I was behind. I had a seizure.

[Caleb Hammer]

That's not good.

[Logan]

Yeah. So I have, like a sleeping thing. Cause I was just stressed and working so much. Especially in my last job, I was working like 80 to 100 hours and flying. So I was only able to sleep like three or four hours at a time, like on an average day. And it ended up causing a seizure. So I was hospitalized and I was out for like two weeks. Weeks. Yeah. And my work was really cool about it. You know, they.

[Caleb Hammer]

That's good.

[Logan]

But yeah, I ended up being behind on.

[Caleb Hammer]

On rent and Perfect Tender Tot Walkway, El Camino, PayPal, Apple Card. Well, that's a payment to the Apple card Cash app.

Red Bull Tacos. Red Bull. Crunchyroll, Apple Bill, McDonald's. McDonald's, McDonald's water burger. All could be going to debt. And we're not. Not putting more than minimum depayments on debt.

We're simply not.

Paying cha. Starbucks Cash app. Raising cane specs. Chick Fil. A.

[Logan]

Jewelry. Liquor store. Wait, jewelry? Yeah.

[Caleb Hammer]

Sp. Hard jewelry.

[Logan]

Sp. Hard jewelry. Oh, yeah. Yeah, that. I didn't wear it. Yeah, I bought a ring.

[Caleb Hammer]

Great. Instead of paying off our debt. Liquor. Chick Fil. A. I was down. Bad smoking. Alexa.

[Logan]

I was down.

[Caleb Hammer]

Monster Water Burger. Yeah. Yeah. For the whole month.

[Logan]

I know. I was rough. I was rough, bro. I'm not proud of it. I was not. I was going through it, man. All my homies. Now I was down.

[Caleb Hammer]

I'm sure.

[Logan]

I'm sure that was a really rough one. And plus, we were still kind of talking for like, a little bit afterwards until she decided to go to me because I really want her to get right. Because she was on some.

[Caleb Hammer]

I know, but I. I don't know. And especially an ex. Like, that might not be.

[Logan]

I know. It's just when you care for someone. Coin.

[Caleb Hammer]

I get it. I know you wanted to try Red Bull, Apple Cash Tacos. Flex Finance again. That's the fee for it. Amazon Spectrum. Well, that's.

[Logan]

I don't have the Flex anymore, just to be clear.

[Caleb Hammer]

And sauceplus.com. total fees this year so far. $170. That's insane.

[Logan]

I know.

[Caleb Hammer]

I honestly thought you were kind of, like, pretty okay, finance guy. Pretty okay? Really? In the niche. You're not. You're overdrafting like insane. You're not making any more than minimum payments on anything when I thought you might. You're spending a lot of money on Bull. Endlessly. And it's really bad habits, too.

[Logan]

I know. And they were.

[Caleb Hammer]

Even if it was last month during crash out month. I mean, you're still not making any progress. You're just getting liquor and doing zins and getting cigarettes. This is really bad habits.

[Logan]

I know. I know. And that's. That's the main thing is I'm focused on my health and. What? Well, that's what I've been doing. And so, like, with, like, the prep meals and stuff.

[Caleb Hammer]

Stuff.

[Logan]

I'm about a month into that diet and it's been helping my bank account, too. Plus, I've lost ten pounds.

[Caleb Hammer]

Well, that's good. Total income, 8,200.

Well, hopefully that's good.

[Logan]

What is.

[Caleb Hammer]

Did you lose it in a good way?

[Logan]

I mean, I think so. I'm pretty out of shape still, but I'm working on it.

[Caleb Hammer]

$386.36 to the Jeep truck. $634. The AT&T card, $157.98. These are your minimum payments, by the way.

[Logan]

Oh yeah, yeah.

[Caleb Hammer]

91 dol. $11 for the city, double cash, PayPal credit, $77. $71 to the Apple card, Freedom card, $49. $33 for the saver card, the Amazon card for all the dildos, $29. Your minimum depayments. Right now, just debt. $1,524.79. Now what I am going to do is you're going to put $500 immediately into the Jeep. You're going to sell it. That doesn't get rid of the minimum to pay payment, but it is going to bring it down to about 5,000.

[Logan]

Wait, what?

[Caleb Hammer]

6,000 to the Jeep. To the Jeep. Right. You said you put in 500, you sell it for eight. Put eight towards the death. That brings it to about six.

[Logan]

But I can't sell it until I pay it down to the total amount. I can't get a loan for the difference because I went to a credit union and they were like, nah, not until I have credit cards.

[Caleb Hammer]

Okay, we might be able to look at some resources afterwards.

[Logan]

But yeah, I'll try another some more. But I was looking at my local buddy.

[Caleb Hammer]

You'll set that money aside and I'll consider. Consider bringing it down to the debt.

[Logan]

Yep.

[Caleb Hammer]

So I'll bring the Jeep debt down to six. Okay. What's your rent?

[Logan]

1645 and then plus Internet, water, stupid fees. It's like 19.

[Caleb Hammer]

Okay, I'll call it 1900 total. That's expensive by the way. Phone bill, especially for San Antonio.

[Logan]

Yeah, 165.

Gas.

[Caleb Hammer]

Vroom vroom. Drive drive.

[Logan]

160Amonth.

[Caleb Hammer]

T mobile I know is good in this area. It switched to helium. How much for gas?

[Logan]

Again? I'm like locked in. They did something stupid. Once you're out of the how much for gas? 160.

[Caleb Hammer]

And car insurance?

[Logan]

330.

[Caleb Hammer]

Okay. Groceries, you can do 300. Follow the meal plan, follow prep, you can. It's so easy, especially with ATB and we know that TP fund. Anything else you need to survive? 100. Medical, health care, any co pays, medications, what?

[Logan]

Not coming up, but I'm just not going to do it for now. So nothing.

[Caleb Hammer]

Okay, Jim, I got it for free.

[Logan]

Good. Oh wait, my dojo For Jiu jitsu.

[Caleb Hammer]

Give you $50 in subscriptions.

[Logan]

Okay. Dojo Jesus. 180.

[Caleb Hammer]

Okay.

[Logan]

Yeah.

[Caleb Hammer]

50 for subscriptions. Anything else that needs to be in your budget that I've not put into effect, let's say. Cause I know there's some room here, let's say wiggle room for hobby. How much do you need?

[Logan]

So for books, I probably spend, like, at least 50.

[Caleb Hammer]

Actually, what I'm gonna do is give you fun. 500.

[Logan]

What? 500 books.

[Caleb Hammer]

Dogs. You have any pets?

[Logan]

At three? I have two kitty cats and a dog.

[Caleb Hammer]

Ages and health.

[Logan]

The dog's for the smallest kitty. She's less than one. She's gonna be one in her bit, and then my other one's two.

[Caleb Hammer]

All healthy?

[Logan]

Yep.

[Caleb Hammer]

Good. Get pet insurance. Good pet insurance.

[Logan]

Not this stuff you had talked about. Lemonade. Who should I go with? I was looking around.

[Caleb Hammer]

Spot.

[Logan]

Spot. Okay.

[Caleb Hammer]

Yeah. But look, make sure you get the right plan, because that's what's hard. Hard.

[Logan]

Yeah.

[Caleb Hammer]

So 150. How much for pet food?

[Logan]

40. 50. So like 90 bucks a month. Okay, good. I get the good.

[Caleb Hammer]

Good. I think you can afford it. Oh, well, this rent is actually pretty high. Okay, let's see what we can do.

[Logan]

Okay.

[Caleb Hammer]

Yeah. I mean, you still got wiggle room, but not much. I'm cutting your Fun down to 250.

[Logan]

That's my Zen budget.

[Caleb Hammer]

So 5199.75.

[Logan]

Damn.

[Caleb Hammer]

You're going to bring in 8200. I mean, I was going off of the gap from the 660, but you need to pull in the money. That's. That is like, the extra bonus.

[Logan]

Okay, I'll pull in that.

[Caleb Hammer]

And then 3,000 hours a month left over.

[Logan]

Yep.

[Caleb Hammer]

Now we have 60. 63. $528.18. I'm going to. Minus this 7,500 for the Jeep. 500 of that goes to fixing it. Okay, very good. Now, 56. $28.80 divided by this 3,000, you'll be debt free in a year and a quarter. Year and a half.

[Logan]

My goal is debt free by 23. That's my.

[Caleb Hammer]

Okay, well, you said by January. That doesn't make sense.

[Logan]

But, you know, the truck included. So I turned 22 in a couple months, and then.

[Caleb Hammer]

Well, if you actually follow this budget, 250 for fun. Nothing more beyond that. But you blow everything on women and crazy craziness. One and a half years. And then don't start your business until then.

[Logan]

Okay. You think because I read this. I read this book about it, and he was talking about starting a small business like solo.

[Caleb Hammer]

You can if it's low and it doesn't take money away from the other things because you're going to quit your zoo and that brings in money. We can't do that.

[Logan]

Right, right, right. And so my plan was because the business whenever I initially started it takes very little upfront investment for me because I'm doing like control work like control panel panels and so the customer will buy the parts and so I'm just doing labor.

[Caleb Hammer]

Okay. As long as it's not taking away from the progress.

[Logan]

Nutty is why I want to do it because like in 3 days I can make like 8 to 10k just from building panels.

[Caleb Hammer]

So that's what I would do. And I would get a fully funded emergency fund if you really want this business to be your big thing eventually.

[Logan]

And I had some more questions too is I. I was listening to Dave Ramsey. I had stopped investing in my Roth IRA and 401K.

[Caleb Hammer]

Okay.

[Logan]

But I was thinking about it. The. The payoff is so huge on my Roth and I have the margin. Should I keep contributing to my Roth.

[Caleb Hammer]

At least some of these interest rates are just so substantially high.

[Logan]

Yeah.

[Caleb Hammer]

For your ira I wouldn't, I would certainly take your retirement match at work. But with interest rates on these cards being like 30% doesn't make sense for the market. Cuz even the best years is that down years too. I know but this will compound too.

[Logan]

Yeah.

[Caleb Hammer]

True. So no, I focus on this. Yeah. Yeah.

[Logan]

Okay.

[Caleb Hammer]

Take your matches and then. And then we'll, we'll. We'll heavily invest. You'll have a great retirement. You just can't bounce back into the situation again.

[Logan]

I know.

[Caleb Hammer]

All right, I'm gonna look through his text. Let's get the Hammer Financial. So I'm gonna look through those girlfriend texts and then I'm going to try to call her. So join that post show. But Hammer Financial Score spending her budget. You spent exactly what you made so you didn't over your spend. I'll give you a 2 out of 10 for that because more of this money should go towards debt.

[Logan]

Yeah, debt.

[Caleb Hammer]

No collections. Pretty bad debt. Two cars. But that's about a 2 out of 10 emergency funds. I didn't see a savings account.

[Logan]

I have one. It was okay.

[Caleb Hammer]

One out of ten retirement.

[Logan]

I have like 2500 in my 401k.

[Caleb Hammer]

21. I can give that about a five out of ten.

[Logan]

What?

[Caleb Hammer]

Maybe. Well at 21 cuz that's age dependent.

[Logan]

I was expecting a zero for that. I thought you need, like, ten at 21.

[Caleb Hammer]

Well, you on get on track and I'm gonna give it a three because I want you to be on track to hit your total income.

[Logan]

Yeah.

[Caleb Hammer]

Whole year's worth of income by 30 needs to be saved up. Okay, so I'll give you a 3 out of 10 because you're just getting started. Okay, I'll give you a 2 out of 10. Real estate 0 out of 10.

[Logan]

Yeah.

[Caleb Hammer]

The more I think about how long it's going to take to get there. No, I'll get the retirement of three. Sorry. Okay. Hammer Financial score rounded up to what you said from the score you took two out of ten. Get [e-mail] and click that join button right now. Join us for for an extra 20 minutes and three premium shows posted every single day, Monday through Friday in Hammer Elite. I'll see you there. Okay, I'm looking through his text messages. Let's find something juicy.

[Logan]

She got evicted and ended up moving in with me after, like, two months of us being together. I'm nervous. I don't know if I can handle that, bro.

[Caleb Hammer]

Come on.

[Logan]

What is that? Strengthen your resolve. Improve yourself. Be so for real. That's why I don't text.

[Caleb Hammer]

She said, are you okay with losing me? Well, that answers that. It's okay. I understand.

[Logan]

That was after she told me she didn't want to talk anymore. Hammer Elite is the best YouTube membership on the platform.

[Caleb Hammer]

And honest, I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below.

[Logan]

This is the best membership you'll ever join, and that's a promise.