Septum Piercing Freak Makes Financial Audit History

Summary

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Podcast Summary: Financial Audit – "Septum Piercing Freak Makes Financial Audit History"

Host: Caleb Hammer | Guest: Dom

Date: July 23, 2025

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Overview

In this episode, Caleb Hammer sits down with Dom, a 30-year-old budtender from Los Angeles, whose personal finances are described as “historic” for all the wrong reasons. Dom presents with over $46,000 in debt, a history of financial avoidance, and treats much of her situation lightly—aggravating Caleb and pushing the conversation into both comical and critical territory. The episode thoroughly explores lifestyle, income, debt, and the psychological factors driving Dom’s financial struggles.

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Key Discussion Points & Insights

Dom’s Background and Career Path

• Current Job: Budtender (cashier) in LA, earning $18/hr plus tips, bringing in ~$4,500/month.
• Education: Degree in Chicano studies, minor in film from UCLA, no relevant career utilization.
• Lifestyle: Lives at home with parents (since age 28); boyfriend also lives at home with his parents.
• Additional Work: Occasional native gardening work for extra cash.

“So you went to school for four years… and now you’re a cashier again.” – Caleb (06:13)

Timestamps

• [00:51] Dom introduces herself: 30 years old, LA resident, budtender
• [01:35] Earnings outlined: $18/hr, plus at least $1,300/mo in cash tips
• [06:36] Degree details: Chicano studies major, film minor

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Debt Situation and Spending Habits

• Total Debt: $46,220.04 (includes credit cards, personal loans, car loan, student loans, overdraft)
• Types of Debt:
  • Student loans: ~$8k
  • Credit cards (multiple, including a Nordstrom and a Sears card): Balances between $1,000–$5,600 each
  • Personal loan: Nearly $8,000 (used to pay off other debt, but balances build back up)
  • Overdraft loan: $3,000 with nearly 18% APR—never before seen on the show
  • Car loan: ~$7,400 (for a VW Beetle)
• Minimum Monthly Debt Payments: $1,819.17 — 40% of income
• Retirement Savings: $292 at age 30

Timestamps

• [12:43] Total debt revealed: $46k
• [24:13] Discovery of a $3,000 overdraft line of credit, record for the show
• [40:44] Multiple credit cards nearly maxed out; 30%+ interest rates
• [84:32] Minimum payments tally: $1,819.17/mo

“You have a $3,000 overdraft loan. It is a joke. It is disgusting.” – Caleb (27:08)

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Avoidance, Rationalizations, and Caleb’s Confrontation

Dom repeatedly downplays the seriousness of her financial situation, at times laughing or treating it as a joke, which intensifies Caleb’s frustration.

• Avoidance Behavior: Avoided facing debt since college; didn’t know the true numbers until show prep.
• Excuses:
  • “I’m just a girl.”
  • “It’s not as bad as some people.”
  • “Other people have more debt.”
• Magical Thinking: Manifesting/positive thinking used as a coping mechanism.

Memorable Quotes

“I’m being positive about it.” – Dom ([00:08], [25:45])
“You’re living at home for two years and still spend $1000 more than you make. What is wrong with you?” – Caleb (35:15)
“You should be doing everything in your life to try to turn this around for the sake of your own life.” – Caleb (27:44)

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Attempts at Budgeting & Efforts to Change

• Budget Attempts: Stop online shopping, live at home
• Spending Patterns: Consistent overspending on food, clothes, tattoos ($2,000 last year), gifts, subscriptions, pet care, and impulse items.
• Business Aspirations: Wants to start a Chicano-themed athletic/leisure clothing brand, but lacks commitment, savings, or unique market positioning.
• Actions vs. Words: Caleb points out Dom rarely follows through on expressed intentions to change habits.

“Your words mean nothing. Your actions are so beyond counter what you say you want.” – Caleb (42:08)

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Psychological and Social Factors

• Parental Enabling: Living at home allows avoidance of responsibilities; her parents provide considerable support with low rent and utilities.
• Relationship Dynamics: Both Dom and her boyfriend are in similar financial/living situations, enabling each other’s lack of progress.
• Cultural Factors: Dom rationalizes late independence through cultural and family closeness.

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Specific “Firsts” and Show Highlights

• Historic Overdraft: First time a guest has had a $3,000 overdraft loan.
• Quiz Segment: Caleb invites Brandon to quiz Dom on Chicano studies. Dom passes about half the questions, undermining her claim of expertise in her field ([15:28]–[17:32]).
• Brutal Honesty: Caleb repeatedly expresses disappointment and uses tough love, refusing to coddle or minimize the reality of Dom’s choices.

“You’re a failure. You can turn it around, and I hope you do. But to think that this is anything other than a failure would be doing you a disservice.” – Caleb (36:20)

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Actionable Advice and Final Recommendations

• Immediate Steps:
  • Radical lifestyle change: No spending above budgets; cut all non-essentials.
  • Track every dollar: Use a budgeting app like Dollar Wise (provided free).
  • Automate all minimum payments: To avoid late fees.
  • Pet Insurance: Consider for expensive vet bills.
• Entrepreneurial Caution: Do not pursue entrepreneurial ventures until debt is under control and finances stabilize.
• Independence: Strongly urged to move out for personal growth, even if it means sacrifice.
• Education: Offered budgeting and personal finance courses by the show.

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Notable Quotes & Moments

| Timestamp | Speaker | Quote | |-----------|---------------|-------| | 06:13 | Caleb | “So you went to school for four years… and now you’re a cashier again.” | | 12:43 | Caleb | “You’ve accumulated $46,220 and 4 cents of debt.” | | 24:13 | Financial Audit Assistant | “You have a 3,000. Shut the…” | | 27:08 | Caleb | “You have a $3,000 overdraft loan. It is a joke. It is disgusting.” | | 36:20 | Caleb | “You have been a failure. You are a failure. You can turn it around, and I hope you do. But to think that this is anything other than a failure would be doing you a disservice.” | | 42:08 | Caleb | “Your words mean nothing. Your actions are so beyond counter what you say you want.” | | 84:32 | Caleb | “Your minimum payments…that’s 40% of your income because of your spending. Because if you’re undisciplined, because you just want to spoil yourself and be bougie and all this stuff and get worthless degrees… 40% of your income goes to debt.” | | 88:12 | Caleb | “Hammer Financial Score…0.5 out of 10. Basically the worst you can get besides collections.” |

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Summary Table: Dom’s Financial Snapshot

| Category | Total / Status | |-------------------|-----------------------| | Age / Location | 30 / Los Angeles | | Occupation | Budtender / Cashier | | Income | ~$4,500/month | | Debt (Total) | $46,220.04 | | Student Loans | $8,813.40 (4% APR) | | Credit Cards | $13,000+ (multiple, 30%+ APR) | | Personal Loan | $7,942 (16% APR) | | Car Loan | $7,463 | | Overdraft Loan | $2,908.81 (18% APR) | | Retirement Savings| $292 | | Minimum Payments | $1,819.17/month | | Living Situation | With parents ($250 rent) | | Emergency Fund | $0 | | Hammer Score | 0.5/10 |

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Final Thoughts

This episode epitomizes a combination of millennial financial struggle, avoidance, and the hard realities of consumer debt. Caleb’s approach—a mix of comedy, stern reality checks, and actionable suggestions—highlights both the causes and consequences of chronic overspending and avoidance. Dom, while lighthearted and often dismissive, faces a pivotal choice: continue justifying and deflecting, or follow through on advice and fundamentally change her life trajectory.

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For listeners in a similar position:

• Face your numbers honestly
• Automate payments, cut non-essentials
• Seek education/resources
• Embrace responsibility, not excuses

“You say what you want, but then everything you do literally only does the opposite and takes you further away from it.” – Caleb (42:08)

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Key Segments (Timestamps)

• 00:51 | Introduction and background
• 12:43 | Total debt and avoidance
• 15:28 | Chicano quiz segment
• 24:13 | Overdraft loan shock
• 36:20 | Confronting failure and future
• 42:08 | Words vs actions
• 84:32 | Budget and minimum payment analysis
• 88:12 | Final financial score

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End of Summary

Transcript

[Caleb Hammer]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You've been living at home for two years and you still spend a more than you make. What is wrong with you?

[Dom]

I'm being positive about it.

[Financial Audit Assistant]

You have a 3,000. Shut the.

[Caleb Hammer]

You have a $3,000 overdraft balance.

[Dom]

I'm just a girl.

[Caleb Hammer]

That is not cute. You're gonna piss me off and I'm gonna kick you the off Septum piercing, obnoxious mother. Hammer Elite is the best YouTube membership on the platform and I just upgraded it three exclusive dedic every single day, Monday through Friday, and for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase@hammer elite.com after that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

[Dom]

Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles. And this is financial audit.

[Caleb Hammer]

Septum. Piercing once a week at this point, huh?

[Dom]

Yes.

[Caleb Hammer]

Okay. I'm glad you answered. Yes. Are you in the casting department here? Okay, so thanks for coming in from la. I know that you're flying in and out the same day. We really do appreciate it. What do you do for a living there? It's expensive city. We all know that.

[Dom]

I am a budtender.

[Caleb Hammer]

Bud.

[Dom]

Yes, bud.

[Caleb Hammer]

Okay, so now. Okay, not speaking incorrect.

[Dom]

Cannabis.

[Caleb Hammer]

You're at the counter. Are you at the counter? Is that it? You're just at the counter? You're a counter person?

[Dom]

You're a cashier? Yes, cashier.

[Caleb Hammer]

Okay. Yeah. What are you paid?

[Dom]

18 an hour.

[Caleb Hammer]

That's a cashier in L. A. Okay. Yeah. Sounds like much more than it actually is.

[Dom]

Yeah, but tips. I know. I guess the tips always help. I think every month I get at least 1300 extra cash. And then we also get debit tips. Yeah, debit tips. I haven't like counted how much I.

[Caleb Hammer]

Get monthly, but, you know, has your account per month. What is your answers?

[Dom]

My account?

[Caleb Hammer]

What. What hits your account for a month?

[Dom]

A month with the cash and everything?

[Caleb Hammer]

Sure. Total. Let's go total.

[Dom]

Like 4 to 5k.

[Caleb Hammer]

Okay. Again, it is a more expensive city. We'll say 4,500. So not 54,000 hours a year. You know, there's definitely some situations where we can make that stress for sure. Roommate situation. Okay. Okay. Okay. So why are we here? What's going on with You. That ain't. That ain't bad.

[Dom]

Well, I have a lot of debt.

[Caleb Hammer]

Yeah. Why?

[Dom]

When I went to college.

[Caleb Hammer]

I don't think these are just student loans, lady.

[Dom]

I know they're not student loans, but it started.

[Financial Audit Assistant]

You went to college for what?

[Caleb Hammer]

When did you finish college?

[Dom]

When? Three years ago.

[Caleb Hammer]

Okay, so what's going on then? Why. Why. Why are we still like. Well, when I went to college three years ago.

[Dom]

So it's debt. That's three years. And I guess I've been avoiding it until recently.

[Caleb Hammer]

Why?

[Dom]

Because I was scared to see the number.

[Caleb Hammer]

That doesn't fix anything. I don't. Okay, yeah. You're just telling me you haven't gone into debt at all these last three years?

[Dom]

No, I mean, it stayed the same. Like, I guess that debt when I started. Am I making sense?

[Caleb Hammer]

You're making sense. I don't know if I believe it, but you're making sense.

[Dom]

Okay, so when I went to school, I moved out. And then when I moved out.

[Caleb Hammer]

Oh, you moved out to go to college. That's crazy. Okay.

[Dom]

Yeah. My aunt was renting out her home, so I wanted to have that whole experience. I almost. Sorry, I'm getting off. I almost moved out. Oh. Dorm. At my college. But that was gonna be expensive. Sharing, what, one dorm room with, like, three, two other girls? I didn't want to do that. So I moved in with my aunt. Not with her, but it was me, my cousin, and then two of my friends. I paid a thousand a month.

[Caleb Hammer]

This is the top of your head. The top of your nose.

[Dom]

It's a scar.

[Caleb Hammer]

Oh, that sucks. Keep going.

[Dom]

And that's how I got into debt, I guess. I got grants. I thought that money was going to come all the time, but then it stopped.

[Caleb Hammer]

Yeah. Okay. You're spending a thousand dollars more than you bring in, so I don't shut the. Up like that. That is not your issue. Obviously. It's been more since college. And this is. Again, I said I didn't trust you. Well, now the numbers have confirmed 20,000 more than you make on a monthly basis.

[Dom]

Yeah.

[Caleb Hammer]

Also no 5400.

[Dom]

Or was it right?

[Caleb Hammer]

Sorry, sorry, sorry. You had a little more than 4,500. You had basically 5,000. Actually very close to it. And you spent basically 5,700.

[Dom]

I spent that much, yes.

[Caleb Hammer]

5,900 came in. 5,700 went out. 4,900 came in. 5700 went out.

[Dom]

Oh, wow. See, I didn't know.

[Caleb Hammer]

Oh, wow. I. Yeah. Or else you wouldn't have just blamed it on what was happening five, six, seven years ago.

[Dom]

Yeah.

[Caleb Hammer]

Would you go to school?

[Dom]

Huh?

[Caleb Hammer]

When did you leave house to go to school? This crazy thing.

[Dom]

20.

[Caleb Hammer]

How old are you? How old are you?

[Dom]

30. Oh, how old was I?

[Caleb Hammer]

Yes.

[Dom]

27.

[Caleb Hammer]

What were you doing before then?

[Dom]

When I was.

[Caleb Hammer]

What have you been doing with your life?

[Dom]

I mean, going to school.

[Caleb Hammer]

You just said you went and moved out for school at 27.

[Dom]

Well, the.

[Caleb Hammer]

And now again, now you're just a cashier. So, like, what are you even doing? So you went to community college for a decade?

[Dom]

No, for two years I did.

[Caleb Hammer]

Okay, so what were you doing from 18 to 25?

[Dom]

Just working. Doing random cashier jobs, I guess, because I was like hotel clothes, so food.

[Caleb Hammer]

Okay, so six years of cashiering.

[Dom]

Yeah.

[Caleb Hammer]

We go to school for multiple years.

[Dom]

Four.

[Caleb Hammer]

That is multiple.

[Dom]

Yeah. That's not a lot. That's like the biggest.

[Financial Audit Assistant]

No, it's fine. But you went to school.

[Dom]

Yeah.

[Caleb Hammer]

I'm not criticizing how long you're in school.

[Dom]

Okay. Okay.

[Caleb Hammer]

You cashiered for six years. You went to school for four years. And now we're a cashier again.

[Dom]

Yes.

[Caleb Hammer]

The are we doing with our life?

[Dom]

I want to pay my debt off.

[Caleb Hammer]

Okay, so better job with your degree.

[Dom]

But even with my job, with my degree, I feel pay is the same. Like even working at schools.

[Caleb Hammer]

What job would you have?

[Dom]

Like a sub. Be a sub.

[Caleb Hammer]

Substitute teacher?

[Dom]

Yeah, if I get my credentials.

[Caleb Hammer]

Your degree was not in substitute teaching.

[Dom]

I know. My degree was in Chicano studies and I got a minor in film.

[Caleb Hammer]

It was what?

[Dom]

Chicano studies.

[Caleb Hammer]

Hold on. I'm real white.

[Dom]

Are you judging me?

[Caleb Hammer]

No, I'm white. Very, very white. I am realizing now. So I'm. Chicano is definitely not chicken. I do know that. Okay. I don't know what Chicano is.

[Dom]

Really. What?

[Caleb Hammer]

I'm from Michigan. I saw one Mexican my entire life until I moved to Texas.

[Dom]

Please tell me what you need to go to LA Chicano. It's a culture. Mexican American.

[Caleb Hammer]

And you got a degree in that?

[Dom]

Yes.

[Caleb Hammer]

On purpose?

[Dom]

Kind of. I want to connect.

[Financial Audit Assistant]

Kind of.

[Dom]

Yeah. I wanted to connect to my roots and.

[Financial Audit Assistant]

Cool.

[Caleb Hammer]

Go to a seminar, go to a cultural landmark or read a book and don't get a degree. That is going to determine the careers you're going into right outside of college that you're then going to likely build for the rest of your life because you're not getting a job in Mexican American studies.

[Dom]

But I could go back to school.

[Hammer Elite Announcer]

So to be clear.

[Dom]

Yes.

[Caleb Hammer]

Yeah.

[Dom]

Yes.

[Caleb Hammer]

What are you laughing about?

[Dom]

I'M just laughing.

[Caleb Hammer]

Why?

[Dom]

Because.

[Caleb Hammer]

What?

[Dom]

You're making me laugh.

[Caleb Hammer]

Why?

[Dom]

Because it's funny.

[Caleb Hammer]

What's funny?

[Dom]

That's how I cope.

[Caleb Hammer]

So to be clear, we go and get a four year degree so we can go get a four year degree. That's how that works?

[Dom]

Kind of. I think I did that on purpose to make my family.

[Caleb Hammer]

You went and got a four year degree so that you could go and get a four year degree after that? Yeah.

[Financial Audit Assistant]

What's the thought?

[Dom]

I don't know yet. My. My goal after college was to pay my debt off. So I think that's why I'm.

[Caleb Hammer]

Which is why we spend more money than we bring it on a monthly basis. What the talking about?

[Dom]

I didn't notice because I was avoiding it until what now?

[Caleb Hammer]

No. You've been out of school for three years. You said your goal after school is to pay your debt off. That's a lie. That's a lie. That. I mean like. What are you talking about? That is objectively incorrect. You did not do this for the last three years to pay your debt off. That is not your goal. That has not been your goal. And now we went to and went to school starting late and that's fine. But you went to school so you could go to school again. Like that doesn't make any sense. What's this next degree we'd be collecting in our infinite collection of degrees and never doing anything in life? Okay. Will it be anything productive or is it gonna be something stupid again?

[Dom]

Yeah, I mean, I guess that's what I'm trying to figure out.

[Caleb Hammer]

Are we gonna. Should we get Chinese American culture studies?

[Dom]

No. Well, I did ethnic studies in my community college, so I did learn other histories.

[Caleb Hammer]

What a career field.

[Dom]

But I just don't know my next move now from I guess my degree.

[Caleb Hammer]

Maybe something that has jobs related to a career.

[Dom]

I know there's a lot of like.

[Caleb Hammer]

Non professionals go and get a doctorate and become a teacher of the studies so we can convince more people to go waste their time on a useless degree.

[Dom]

I mean it's not useless.

[Caleb Hammer]

Yes.

[Dom]

I mean for me, I guess right now. No.

[Caleb Hammer]

A degree is to get a job. A degree is for a career field.

[Dom]

Yeah.

[Caleb Hammer]

You can read a book. You can go to museums to get what you are trying to get cultural enrichment. I'm not opposed to cultural enrichment. You can go without spending the four years and the degree that you are going to use on your resume to try to get your first job outside of college. You can read a book instead of going tens of Thousands of dollars into debt. You can read a book instead of moving out of home culture enrichment is not bad. Yeah, wasting your time, money, and the degree you got on something that is a worthless piece of paper in today's job market, if we're being completely candid. Yeah, you. That is worthless.

[Dom]

Like there's some jobs that are good for that.

[Caleb Hammer]

Tell.

[Dom]

But I just don't.

[Caleb Hammer]

Tell, please.

[Dom]

There's nonprofits, there's.

[Caleb Hammer]

What's the job? What's the job? I don't know.

[Dom]

I didn't apply to any of them.

[Caleb Hammer]

You can't even tell me what the job in the career field is?

[Dom]

Well, there's multiple.

[Caleb Hammer]

There's not profits that I can get in and make videos I like. I don't know.

[Dom]

Yeah, but I don't have skills like that.

[Caleb Hammer]

No, I'm saying you can get like. What the are you talking about? Oh, what is la? What is la. No, I'm saying like I can go name a job that I could go get in. Nonprofit. Just because it's a non profit doesn't mean your job exists somewhere.

[Dom]

If it's like a Mexican American nonprofit.

[Caleb Hammer]

American nonprofit Doing what? What's your job?

[Dom]

I don't know. I only know the job that I.

[Caleb Hammer]

Have personally, which does not require a degree and definitely not that degree.

[Dom]

Yeah, it's true.

[Caleb Hammer]

So you're wasting your life. You have nothing going for you and you've done nothing and you're 30.

[Dom]

That's not true.

[Caleb Hammer]

You're right. You haven't done nothing. You've accumulated $46,220 and 4 cents of debt.

[Dom]

But that's not a lot like other people.

[Caleb Hammer]

The. Are you talking about like other people?

[Dom]

Yes.

[Caleb Hammer]

Doesn't matter. I'm so over this.

[Dom]

Don't shut up.

[Caleb Hammer]

That's why I'm here for a long time. Oh my gosh. You're hitting every catchphrase.

[Dom]

I messed up. I did. I was uneducated.

[Caleb Hammer]

How?

[Dom]

I took out the loans. The subsidized loans. I didn't know I can press buttons off. And then I got it.

[Caleb Hammer]

Student loans is 8,000 of those. Like, I know, but there's go die. Like that's that. Your student loans are not what the this conversation is about.

[Dom]

What?

[Caleb Hammer]

What?

[Financial Audit Assistant]

I said this.

[Caleb Hammer]

Student loans are not what this conversation is about, lady.

[Dom]

Okay, then what is it about?

[Financial Audit Assistant]

The rest.

[Dom]

Which is what?

[Caleb Hammer]

And you having done nothing productive with your life.

[Dom]

You mean I have. I work. That's productive.

[Caleb Hammer]

Listen, and we need service based jobs. Don't get me wrong. But you went and Spent your time and money on a degree that you aren't even considering using because you don't even know what a job with that degree would be. You can't name one job.

[Dom]

But a key is.

[Caleb Hammer]

You can't name one job.

[Dom]

A key is not bad for a UCLA degree.

[Caleb Hammer]

Sure. Okay.

[Dom]

I think we should. Other stuff.

[Caleb Hammer]

Your debt would be better if it was majority student loans, however.

[Dom]

What?

[Caleb Hammer]

30?

[Dom]

Why?

[Caleb Hammer]

Cuz student loans are typically lower interest when they're federal loans. When they're federal loans, there are more ways out of them. Except bankruptcy. But there are more ways to potentially get them forgiven. If you went to a scam institution, you can put them on pause. Income driven. You know, if you get laid off, there's lots of help. Yeah, not with the Nordstrom card. So yes, I wish they were mostly student loans. And yes, $48,000 of debt is bad. What the are you talking about? It's not that bad. I'm not gonna let you walk away with that. 46,000. What? What?

[Financial Audit Assistant]

How?

[Caleb Hammer]

Can you please define how that's that bad?

[Dom]

Well, it's payable. I don't need to file for bankruptcy.

[Caleb Hammer]

What?

[Dom]

I could probably try and pay it off in like three years.

[Caleb Hammer]

Tell me your strategy. What are you getting to do there?

[Dom]

Um, not buy stuff. Not spend money on buying things. Like clothes. I'm a girl, I like fashion.

[Caleb Hammer]

That's your strategy?

[Dom]

Yes.

[Caleb Hammer]

Is I just don't buy clothes or tattoos. Yeah, you have some tattoos.

[Dom]

Yeah.

[Caleb Hammer]

You'll probably stop.

[Dom]

They're expensive. Don't you spend money on clothes?

[Caleb Hammer]

Here and there, but also I can't afford it. It's in my budget. I don't have bad debt to pay off. I don't know what you're complaining about. How much were those glasses?

[Dom]

300.

[Caleb Hammer]

So what are you doing then? Because you haven't done a single thing.

[Dom]

Yeah, you don't think so?

[Caleb Hammer]

To pay off debt. You haven't done anything.

[Dom]

I mean, I'm paying them on time.

[Caleb Hammer]

Well, we will actually see about that. Because most people say that and then they don't.

[Dom]

I do pay mine on time.

[Caleb Hammer]

I hope so we will find out.

[Dom]

But it feels like I'm not even paying it because the interest rate's high from the Nordstrom's card and the other card.

[Caleb Hammer]

Since you're such an expert and you spent all the time and all the money on the Chicano degree, I've brought in my local half Mexican and equal tattoo degenerate. Brandon. Welcome. Brandon, everybody. You know him from Hammer Elite. He has a quiz for You. And we want to see if you're actually an expert in Chiquino with the last name Cavazos.

[Brandon]

I do feel like I'm able to give this test out appropriately. First question. Who was the leader of the United Farm Workers and a central figure in the Chicano labor movement?

[Dom]

Cesar Chavez.

[Brandon]

That's correct. Number two. What was the name of the 1969 plan called for Chicano self determination and cultural pride?

[Dom]

Wait. What was the question? Thank you.

[Brandon]

You got the degree, not me, bro.

[Caleb Hammer]

Come on.

[Brandon]

What was the name of the 1969 plan that called for Chicano self determination and cultural pride?

[Dom]

Is it the zoot suits?

[Brandon]

You're wrong.

[Caleb Hammer]

You're wrong.

[Brandon]

We'll get there later. What 1972 novel by Rodolfo Anaya is considered a foundational text in Chicano literature?

[Caleb Hammer]

Oh, you're so bad at this. Why? You're never gonna get a job in this. You don't even know what job exists in this. Come on. This is pure Chicano. Okay, one out of three so far.

[Dom]

Three years.

[Brandon]

What is the most popular low rider car?

[Dom]

Popular lowrider car.

[Caleb Hammer]

Yep.

[Dom]

I feel like there's many popular.

[Brandon]

The Impala.

[Caleb Hammer]

That's correct. Chino comeback. A chino comeback, they call it. Usually chinos have come on their back.

[Brandon]

What year was the chalupa Invented the chalupas?

[Dom]

1998.

[Brandon]

You're wrong once again.

[Caleb Hammer]

And one year later. Very close. Very close.

[Brandon]

That degree is almost going for nothing. And what beloved Chicano actor is known for his love of tacos and donuts?

[Dom]

Chicano actor that loves donuts and tacos.

[Caleb Hammer]

Tacos.

[Dom]

Is it Denny Tro?

[Brandon]

It is.

[Caleb Hammer]

It is.

[Brandon]

Look at that. Okay, you got a 30 in college.

[Dom]

Is that 50? Out of 50.

[Caleb Hammer]

All right. They don't teach math in Chicago.

[Brandon]

Major.

[Caleb Hammer]

All right, everyone, say bye to Brandon. Bye.

[Dom]

Bye.

[Caleb Hammer]

Okay, you're kind of a chicano. You're like 60 of the way there. Proud of you. So you say your main goal is to pay off the dime. That's what you've wanted to do, and that's why you haven't gone into the career field, all this stuff. Okay, so what is your strategy of budgeting? Tell me of the. Your budget.

[Dom]

I am living with my parents, and I'm not shopping online anymore.

[Caleb Hammer]

That's budgeting.

[Dom]

Yes.

[Caleb Hammer]

Living with parents can be a good thing, depending. I mean, you kind of moved back in, what, at 30?

[Dom]

No, I moved back then. I think at 28.

[Caleb Hammer]

You've been there for two years. How long are you gonna be there?

[Dom]

I don't Know, I kind of want to stay.

[Caleb Hammer]

Why? You don't want independence?

[Dom]

I did have that, but what about dating? I am dating.

[Caleb Hammer]

You have a boyfriend?

[Dom]

Yeah.

[Caleb Hammer]

And you live at home. And he's okay.

[Dom]

Yeah, because, well, I have a relationship. My, you caught me off guard. Sorry.

[Caleb Hammer]

And he has his own place?

[Dom]

No, he lives with his parents.

[Caleb Hammer]

Okay. And how old is he?

[Dom]

29.

[Caleb Hammer]

Okay. I see the people I'm dealing with here. You tend to find more replicas of yourself out there, don't you, ladies and gentlemen?

[Dom]

I think so, but I think for myself, when in my 20s, I was always out, but now my parents are getting older, and I kind of find it healing to be with them.

[Caleb Hammer]

Sure, sure. And I. I don't have anything wrong with people living at home. Lots of other cultures live at home longer. But the fact is, in our culture and things like that, and when it comes to independence and building a relationship, maybe even building a future family, whatever it is. How long have you guys been dating?

[Dom]

A year? In like, seven months or something?

[Caleb Hammer]

It's a year and seven months. So we're talking usually, you know, pretty close to moving in maybe, or even getting engaged at that point, you know?

[Dom]

Okay, I'm scared of moving in.

[Caleb Hammer]

Yeah. If we live with mommy and Daddy before.

[Dom]

That's why I don't want to live with.

[Caleb Hammer]

That sounds like it was a bad relationship. Doesn't mean this was. Doesn't mean if you're considering this a potentially bad relationship, don't be in it. Then you should be able to move in together.

[Dom]

Yeah, but look, all my stuff, I can't walk out.

[Caleb Hammer]

But. No, no. What I was trying to say is you live in a home isn't necessarily a bad thing. But the staying at home forever thing, there is personal growth that happens, especially in our culture, with a little bit more independence. Yeah, and I'm nervous that you're not getting.

[Dom]

But when I had independence, I spent my money because I wasn't financially.

[Caleb Hammer]

Because you're immature. What? You think living at home with your parents is the only reason you're immature?

[Dom]

No.

[Caleb Hammer]

Then what?

[Dom]

What makes me immature?

[Caleb Hammer]

You just said you living not at home made you go crazy spending all your money. So you're only mature because you live at home?

[Dom]

Well, I wouldn't even say I feel like I'm spending.

[Financial Audit Assistant]

Wait, you've been four for two years.

[Caleb Hammer]

Hey, you've been living at home for two years and you still spend $1,000 more than you make. What? What is wrong with you? How are you spending more than you bring in your Laughing about anything. You think that's cute?

[Dom]

No.

[Caleb Hammer]

Yeah, let us see more of those fake like degenerate ass sparkles on your teeth. Keep laughing.

[Dom]

No, no, because you told me to laugh. I'm not gonna laugh.

[Caleb Hammer]

All right, let's be honest. Most of us weren't exactly credit card geniuses in our early 20s. I thought minimum payment meant you're good. Turns out, not so much. And that is why today's sponsor, Kickoff makes a lot of sense. If you're trying to build credit where or get out of the mess that you made, Kickoff is the easiest and safest way to build credit fast. And it's dead simple. You make small on time payments every single month and that gets reported to the major credit bureaus. No interest, no credit check. You get to start for just five.

[Financial Audit Assistant]

Bucks a month or even one dollar.

[Caleb Hammer]

For your first month right now. And yes, it actually works. Users who started with a credit score under 600 saw an average bump of 84 points in their first year just by making on time payments. You sign up in minutes, put it on autop away and let Kickoff quietly do the work while you live your life. Start building credit with Kickoff today and you can get your first month as little as $1. That is 80% off the normal price. When you go to getkickoff.com Caleb or scan the QR code on screen, that is kickoff without the C. Get K-I K-O-F F.com Caleb and how much were those? Those like these are actually free because.

[Dom]

I won a contest. Great.

[Caleb Hammer]

And now you look like a middle schooler.

[Dom]

Okay, I'm healing my inner child.

[Caleb Hammer]

Yeah, that's what you need, is to be more childlike. That's what you need. Useless degree. So is a home boyfriend still lives at home. Well, if you want to be more like a child, this is gonna go great for you.

[Dom]

I'm trying to figure it out.

[Caleb Hammer]

How? What are you doing to try to figure it out? It's been two years. You spend a thousand more than you made. If you're gonna say that, tell me what you're doing to try to figure it out.

[Dom]

Not spend that much, spend less. I don't know, maybe start a clothing brand.

[Caleb Hammer]

It's nothing to me what you keep talking about this clothes thing.

[Financial Audit Assistant]

Buddy, I love clothes.

[Dom]

I love fashion. It's my thing.

[Caleb Hammer]

That's great.

[Dom]

You spend school for that. Why did school.

[Caleb Hammer]

Yeah, well, that would have been a better degree. Even though it's still an overly competitive degree. But it's so stupid what you did. Listen I know this. You went out to eat $500. Miscellaneous was almost 800. It's not just clothes.

[Dom]

It's food.

[Caleb Hammer]

It's a part of it.

[Financial Audit Assistant]

Live at home, huh?

[Dom]

Food is a lot. Because on top of having my bud tending job, I also work with my friend and we do native gardening. So I also.

[Caleb Hammer]

That takes time. How much time?

[Dom]

Like a week or month?

[Financial Audit Assistant]

Yes, a month. I don't know.

[Caleb Hammer]

A week? Sure.

[Dom]

A week maybe like we do.

[Caleb Hammer]

And what do you make from that?

[Dom]

She pays me 30 the hour.

[Caleb Hammer]

Okay, so what's your account from that on a monthly basis?

[Dom]

What? 400? Maybe like 500, 600 extra a month?

[Caleb Hammer]

What the is this? The is this? You live home with your parents. You have this credit line with the bank, and it pulls from the credit line when you're overdrafting.

[Financial Audit Assistant]

And then you have to pay an.

[Caleb Hammer]

Additional 17.9% interest rate on it.

[Financial Audit Assistant]

You have a balance of 3,000. 3,000 on your overdraft balance.

[Caleb Hammer]

What is wrong with you? You're smirking. You think you're cute.

[Financial Audit Assistant]

You're not.

[Caleb Hammer]

You're over lining your lipstick and it doesn't even look good.

[Dom]

It's fine.

[Caleb Hammer]

This is not cute, okay? You're just sitting there laughing like this is a joke.

[Financial Audit Assistant]

Hee haw. Hee haw. You have a 3,000. Shut the.

[Caleb Hammer]

You have a 3,000 hour overdraft balance.

[Dom]

Yes.

[Financial Audit Assistant]

What the.

[Dom]

I'm just a girl. I don't know.

[Caleb Hammer]

I really.

[Dom]

I'm not.

[Caleb Hammer]

That's what you say.

[Dom]

Literate. Yes.

[Caleb Hammer]

That's not financial literacy. I know, but you're overdrafting into a loan. That's not financial literacy.

[Dom]

First.

[Financial Audit Assistant]

No, we all know not.

[Caleb Hammer]

No, no, no, no, no, no. If you. If you get hit by not having enough money in your checking account, we all know that is bad. That is not financially literacy. If you get penalized for not having enough money in your checking account, we all know not having enough money in checking account is bad. If you get penalized for not having enough money and checking account because you're.

[Financial Audit Assistant]

Spending all the time, we know that is bad. If a loan is going up, we know that it's bad.

[Caleb Hammer]

That is not financial literacy. Everyone knows that. We know that. If you know, a debt goes up, that is bad. In fact, about $6,000 student loans.

[Financial Audit Assistant]

Phew. You know this is bad. It is $3,000. Then what the are you doing? Why are you allowing yourself overdraft? Huh?

[Dom]

I'm being positive about it.

[Caleb Hammer]

You shouldn't be. You can't be. You need to be realistic. Your Manifesting is only going higher. What the are you talking about? Your debt is only going up. Your overdrafting is only going up because you can't stop split bending like a animal.

[Dom]

It's a minimal payment. It does it on its own. I haven't used overdraft.

[Financial Audit Assistant]

Yes. What? Yes, you did. When?

[Caleb Hammer]

The first of last month. First of last month? The first of last.

[Dom]

How much?

[Financial Audit Assistant]

It's a normal overdraft.

[Dom]

So just another overdraft on top of the overdraft?

[Financial Audit Assistant]

Yes. It gets added to your little overdraft.

[Caleb Hammer]

Loan account, which I've never even seen before, by the way. Congratulations on making financial out of history of something so horrible and disgusting. That is not cute. You're gonna piss me off, and I'm gonna kick you the off. I'm gonna kick you the off if you keep trying to be cute.

[Financial Audit Assistant]

You're not being cute.

[Caleb Hammer]

You're being an obnoxious.

[Dom]

Oh, my God.

[Caleb Hammer]

Saying thanks. Saying thanks when I say you are very clearly bad. And it is the first time I've ever seen it. That's something that bad. That is not cute.

[Financial Audit Assistant]

Stop trying to look cute.

[Caleb Hammer]

It's not funny. No one's giving you high fives in the comments.

[Financial Audit Assistant]

Shut the up.

[Dom]

I know. What do you want me to do?

[Financial Audit Assistant]

Shut the up.

[Dom]

Fine.

[Caleb Hammer]

Septum piercing, obnoxious mother. You are not cute. You are not funny. You have a $3,000 overdraft alone. It is a joke. It is disgusting.

[Financial Audit Assistant]

You live at parents. You've done nothing.

[Caleb Hammer]

You have a worthless degree. You have nothing going for you. And yes, this is bad. Yes, this is bad. And I'm not gonna baby you and coddle you and let you think that this is just okay. This is not okay. This is the complete opposite of okay. It is disgusting, and you should be ashamed. You should be embarrassed, and you should be doing everything in your life to try to turn this around for the sake of your own life.

[Financial Audit Assistant]

And the fact that you're not.

[Caleb Hammer]

And you're not disgusted is embarrassing and sad.

[Dom]

Why is it embarrassing how it's embarrassing.

[Caleb Hammer]

Oh, guys. Oh, I don't want to. I don't want to have a crash out episode. You don't feel embarrassed that you have an overdraft loan, something that's never happened in this show, and that you just say thanks when I say you made history.

[Dom]

People don't know about it. Or either. They're basically.

[Caleb Hammer]

I have their statements. You did. I have their statements.

[Dom]

They don't know.

[Caleb Hammer]

Filming four of these a week for three years. I have their statements. Well, they don't need to know about it.

[Dom]

I know they don't. Because then they probably would use it like I did.

[Caleb Hammer]

Dude, I don't even know what the to do with you. I don't know you. You're lost. Is this even worth my time?

[Dom]

Yes.

[Caleb Hammer]

Why?

[Dom]

Because I want to pay everything off. I want to know what I.

[Caleb Hammer]

Then why are you sitting there acting like you're cute and funny when you're not?

[Dom]

What do you mean I'm.

[Caleb Hammer]

What do I mean?

[Dom]

Have you seen respectful?

[Caleb Hammer]

You said I'm not gonna.

[Dom]

What's wrong with saying thanks?

[Caleb Hammer]

Come on. Cause you know what I was saying was objectively, you are in a bad place. You're saying thanks. That is gonna piss me the off real quick.

[Dom]

Okay, I'll take it back.

[Caleb Hammer]

Oh, my gosh. Yeah. No. You and your boyfriend both, huh? You and your boyfriend both. Both like this?

[Dom]

No.

[Caleb Hammer]

Yeah. You're gonna be the ones making kids somehow.

[Dom]

No, no kids for me. Thanks.

[Caleb Hammer]

Trust me. Yeah, you'll accidentally.

[Dom]

No, thank you. Nope. Don't say that.

[Caleb Hammer]

And how are his finances?

[Dom]

What?

[Caleb Hammer]

How are his finances?

[Dom]

They're fine.

[Caleb Hammer]

Doubt it.

[Dom]

No, they are.

[Caleb Hammer]

You think you're not that bad. Yeah. What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best.

[Dom]

Like a 3.

[Caleb Hammer]

Chino studies, no one ever do it, and they all become morons. You are the.

[Dom]

Is it a 3?

[Financial Audit Assistant]

I'll calculate it at the end.

[Caleb Hammer]

I don't know your finances. Okay, Jake Hender, tell me to look at that account. I don't know. I go in blind with the audience.

[Dom]

Okay?

[Caleb Hammer]

Sake, dude. If you want your financial score, go to CalebHarrotter.com or click that link in the description below. It's a free assessment, and you can see where you stand in the world of finances. And if you don't want to end up like a guest on the show, make sure you download our app, the Dollar Wise budgeting app. Take your free trial, sign up for the annual version. I'll send you our cook sign in, mail directly to your door. And if you want to take all of our educational programs, join Dollar Wise Central and you get them all for 80% off, including the premium version of our app. It is the best bang for your buck. Go to Dollarwise.com, click that link below. Caleb hammer.com apply to be on the show. Okay. Oh, that's. Just looking at you pisses me off. Oh, I, I, I don't like when I feel this way. I'm, I'm sorry, audience. I'm Sorry audience. Why don't I like it? Or why do I feel it?

[Dom]

Why do you feel that?

[Caleb Hammer]

Because you can. I hate you. What even is. I don't even know what to name this account. What is this? School first fcu.

[Dom]

Oh yeah, there's a credit card. But then my.

[Caleb Hammer]

How long does this take to pay off? Well, here, here.

[Hammer Elite Announcer]

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[Financial Audit Assistant]

Well then take the train.

[Hammer Elite Announcer]

And brand new shows fat and fatter.

[Caleb Hammer]

There is that one is I would.

[Hammer Elite Announcer]

Go off brand behind the audit.

[Caleb Hammer]

What? This was wild.

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[Caleb Hammer]

Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

[Hammer Elite Announcer]

It's okay. It's worth it.

[Caleb Hammer]

Yeah, it is.

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Join Hammer Elite, the best membership on YouTube today for free.

[Caleb Hammer]

You owe $1,430 card a line. 1500. Great. Shocker. Minimum monthly payment, $69. Okay.

[Dom]

Yeah.

[Caleb Hammer]

You made $83 of purchases and 17 cents or $17.70 of interest. Balance only went up. We're borderline at the limit. Only a thousand $430.80. Which for credit cards isn't the highest, but just that alone. Which is actually bad for you, by the way. But just that alone. How long does it take to pay off minimum monthly payments without making any purchases? How long? How long, big lady?

[Dom]

300.

[Caleb Hammer]

300 what?

[Dom]

Dollars. Are you giving me a math question?

[Caleb Hammer]

Chino studies.

[Dom]

I don't do math.

[Caleb Hammer]

It's not math. I asked how long.

[Dom]

Oh, but you said how much.

[Caleb Hammer]

How long?

[Dom]

That would probably take me like.

[Caleb Hammer]

Pause, pause. To clear. To be clear. You thought I asked how much does it take to pay off a thousand? 300. 400. And you said 300amonth.

[Dom]

If I paid $300 a month, yeah.

[Caleb Hammer]

That would pay it off in a certain amount of time. So would. Your minimum payment is $69. So would $250. So 251 and 2 and 3 and 4. What? That's such. I Don't get that answer. Okay. Yeah. Time. How many years?

[Dom]

If I choose the minimum.

[Caleb Hammer]

No purchases, minimum monthly payments only 10 years. Eight years. You find that acceptable? You're still living with Mommy and Daddy at 40? No, but you probably will. You have no hope. Surviving on your own.

[Dom]

Then I have to start creating things.

[Caleb Hammer]

What are you gonna create?

[Dom]

I just told.

[Caleb Hammer]

Other than pain and misery for men in front of you?

[Dom]

Brand clothes.

[Caleb Hammer]

Look at you. What are you doing? I don't know what's so fashionable.

[Dom]

Look at you.

[Caleb Hammer]

I'm not trying to make clothes.

[Dom]

Well, that. Okay.

[Caleb Hammer]

See, no, I don't.

[Dom]

Well, that's where my mind is at. I think that's what I want to do. But I don't want to spend more money if I don't have money. So that's why I don't want to start something I can't start if I don't have money.

[Caleb Hammer]

You say you'll never join the Navy, that you'd never track storms brewing in the Atlantic and skydiving could never be part of your commute. You'd never climb Mount Fuji on a.

[Financial Audit Assistant]

Port visit or fly so fast you break the sound barrier.

[Caleb Hammer]

Joining the Navy sounds crazy. Saying never actually is. Start your [e-mail] America's Navy, forged by the sea.

[Dom]

And I think I can make more.

[Caleb Hammer]

Money if you want to dress like Don, because.

[Dom]

Okay, but Chicano studies. There's a Chicano culture in la. The clothing, like fashion culture over there is really big for the Chicanos as well. And I think I would be really good in that. But again, I don't have money, so I'm trying to like.

[Caleb Hammer]

Because he's found it all. I know how to make nachos in the microwave. I've learned more than you did your entire four year degree.

[Dom]

It's fine. I just. There's a lot of history and history.

[Caleb Hammer]

Is great, but no offense, it doesn't really land jobs. I know we go to college to better our career.

[Dom]

It was easy.

[Caleb Hammer]

You can get history from.

[Dom]

I think that's why I. Cause it was easy, huh? It was easy. It was an easy.

[Caleb Hammer]

Well, no, it's a bull degree. It's a bullshit degree.

[Dom]

This is just for myself more than.

[Caleb Hammer]

No. Instead of actually for yourself and bettering your life.

[Dom]

Yeah, I got scared. I didn't want to do psychology. I thought. I thought I wouldn't do.

[Caleb Hammer]

Well, you said you had to do psychology.

[Dom]

I wanted to, but then I chickened out and I did.

[Caleb Hammer]

There are other options. Yeah, there are other options in. Please.

[Dom]

I guess I believe in myself. That's all.

[Caleb Hammer]

Well, fair enough. Based on this, yes.

[Dom]

See, I'm trying to change.

[Caleb Hammer]

Not trying to be mean, but I mean, look at you. I understand. Again, have done nothing but failed. I'm not gonna sugarcoat it. If I'm gonna let you think you've been successful, I'm gonna harm you. That's harming you.

[Dom]

Okay.

[Caleb Hammer]

You have been a failure. You are a failure. You can turn it around, and I hope you do. But to think that this is anything other than a failure would be doing you a disservice.

[Dom]

Yeah, well, thanks for being honest.

[Caleb Hammer]

Well, I'm nothing but interesting. I don't know. It's a crazy crate. Kaser. What's Kaiser 60?

[Dom]

Kaiser.

[Caleb Hammer]

Kaiser. What's Kaiser? Kaiser Health. Okay.

[Dom]

I had to do checkup.

[Caleb Hammer]

Good. Make sure you didn't get AIDS from all the needles.

[Dom]

What? Why would I get that? No.

[Caleb Hammer]

Oh, there's more Taste tea. Tasty.

[Dom]

Oh, yeah, that's. That's a tea place.

[Caleb Hammer]

And that is more important than ever. Moving out. It was independent.

[Dom]

I didn't need to get that.

[Caleb Hammer]

It was too sugar. Oh, the fact that it's too sugary, huh?

[Dom]

Yeah. I should have bought the things I bought.

[Caleb Hammer]

I'm just so confused.

[Dom]

Maybe I shouldn't eat.

[Financial Audit Assistant]

Who's buying your style?

[Caleb Hammer]

You look like you just walked out a Hot Topic. I'm so confused.

[Financial Audit Assistant]

Yes.

[Caleb Hammer]

I am so confused.

[Financial Audit Assistant]

Yes. Or. Or Spencers. I don't know.

[Caleb Hammer]

Like, I don't know what you're selling.

[Dom]

Well, I'm not selling anything yet. I still have to make it.

[Caleb Hammer]

Guys, if you want to look like her, go. Go to Dom has a terrible. Go to Dom has terrible Fashion dot com. Tom Terriblefashion dot com. And we'll set you up to look like her.

[Dom]

Not terrible.

[Caleb Hammer]

Tom looks like Hot Topic dot com. Dom looks like Hot Topic dot com.

[Dom]

Better.

[Caleb Hammer]

Better what?

[Dom]

Better than Hot Topic.

[Caleb Hammer]

You look like the people that walk in and out of there. I'm not gonna lie. You also look like the people I'm avoiding that are walking in and out of there. Not gonna lie.

[Dom]

Well, it's good. I don't go to the malls anymore.

[Caleb Hammer]

You also look like you smell of dank.

[Dom]

Not today.

[Caleb Hammer]

So if you put in any real work into this business, this big ambition, this entrepreneurial spirit, please tell me about your real work.

[Dom]

What do you mean my job that I have right now?

[Caleb Hammer]

Oh, don't get mad.

[Dom]

I get confused. I feel like we're talking about a lot of things at once.

[Caleb Hammer]

Confusing. I just asked you a Question. It was.

[Dom]

Just tell me about your work.

[Caleb Hammer]

Oh, to do this, Your business, your entrepreneurial. I literally said your business, your entrepreneurialness.

[Dom]

I've been asking Chad GBT a lot of questions, and it's been helping me. I have a sewing machine, but I don't use it. I bought a desk to use my sewing machine, but I haven't used it to score the sewing machine. I'm lazy. It's hard.

[Caleb Hammer]

That's the first actual reality thing you said. What do you do there?

[Dom]

Work out.

[Caleb Hammer]

Okay. You're. You're incredibly specific. You are just. You are.

[Dom]

I think those are the only things I have going.

[Caleb Hammer]

You paid $2,000 last year for tattoo. What? Tattoo alone. For sake. Dude, you could be. You could have paid off this credit card and more and more.

[Dom]

I did pay some of my credit cards off. They're higher.

[Caleb Hammer]

No, you've just replaced them. Just like on this card. You just replaced them. You just replaced them. That is a lie. Nordstrom. You shouldn't be seen near a Nordstrom. That is way too expensive for you. You can't live alone. Why date this guy? You should break up with this guy. He's a failure. He's a failure, and he should break up with you because you're a failure. You guys are holding each other back in life. You enable each other to live at home instead of ever pushing yourselves. Next steps.

[Dom]

No.

[Caleb Hammer]

Yes.

[Dom]

No.

[Caleb Hammer]

Go ahead, explain. So explain.

[Dom]

We're having individual people.

[Caleb Hammer]

We have two individual failures.

[Dom]

Decisions. I don't know.

[Caleb Hammer]

Decisions to be failures. Okay. You both are living at home at 30 and you won't move out.

[Dom]

You just said that's not a bad thing. It's not necessarily.

[Caleb Hammer]

But when you base it off of what has led to it and what they're doing while they're there. Yeah, you're a failure.

[Dom]

Not too much.

[Caleb Hammer]

I feel like I'm being mean, but I really don't like people like you. I'm just to be candid.

[Dom]

It's fine.

[Caleb Hammer]

Like, if you guys just hold us back as, like, a society. How? Look at everything you're doing. You're trying to be cutesy and you think it's fun, and you get a worthless degree and you're just. You're gonna milk the system eventually and you're gonna cry about it, and it's just, like, you just hold back everything. This sucks. You purchased $63 on here. $138.23 of interest accrued. You owe $5,495.45. What's the limit on this.

[Dom]

I think it's.

[Caleb Hammer]

Yeah. You have about 100 bucks you can spend on it. You have about 100 bucks you can spend on it. I'm sure you'll do. I think I went up 5, 600.

[Dom]

It went up to 7.

[Financial Audit Assistant]

How long does this take to.

[Caleb Hammer]

It should.

[Financial Audit Assistant]

Well, not gonna use it.

[Caleb Hammer]

Look, you've used both cards to bring them up. Both, Both, both, both. How long does this take to pay off? Minimum payments only.

[Dom]

No, like 13 years.

[Caleb Hammer]

17. We're gonna be looking at mid.

[Dom]

I'm not gonna take that long though.

[Caleb Hammer]

Yes, you would. No, you're gonna take longer because you purchase. You don't want to yet all you do is purchase. That makes no sense. What you say that you want, huh?

[Dom]

You're telling me that, huh? I shouldn't eat because all my money.

[Caleb Hammer]

I spent food, dude. 300 of groceries and you'd be perfectly fine. And you live at home already. Yes, we. We proved it. 250. And you can use our budget friendly cookbook. Okay, we will give you one.

[Dom]

That would help.

[Caleb Hammer]

Yes, that'll help. But you actually have to meal prep and do.

[Dom]

I will.

[Caleb Hammer]

No, you won't.

[Financial Audit Assistant]

I need it. Yes, you do. But you won't listen.

[Caleb Hammer]

Oh, this is what's up.

[Dom]

You don't believe in me.

[Caleb Hammer]

No, I don't. Because look at your history. This is what. And you can prove it by coming on the follow up channel. But this, this is. This is. This is. This is what.

[Dom]

I'm gonna prove you wrong. Then you're gonna hate me more.

[Caleb Hammer]

This is what pisses me off about you. You say what you want, but then everything you do literally only does the opposite and takes you further away from it. Your words mean I can't trust anything you say. Your words mean nothing. Your actions are so beyond counter. What you say you want.

[Dom]

Are you calling me a liar?

[Caleb Hammer]

I ain't calling you a truther.

[Dom]

Yes, well, I'm learning not to be a liar.

[Caleb Hammer]

How do you learn not to be a liar? Just don't be a liar. What the F are you talking about? It's not about being honest. It's about your actions. Your actions are completely opposite of what you say you want. And what you say you want just deflects the conversation so you can stop getting pushback. And the thing I'm calling you out about and you're like, well, I want to fix that. That's just what someone says in this conversation when they're obviously doing the opposite. When they want me to back off from calling them out on that specific topic, if you actually wanted to not do the thing I'm calling you out on, you wouldn't do it.

[Dom]

Well, I'll stop doing it.

[Caleb Hammer]

Hey guys. Always ask me, caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this. You gotta follow me on Blossom if you want to see just that. A couple weeks back I stumbled upon this social investing app called Blossom and thought, alright, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom and let's grow our money together. Seriously? Right now you can actually see what my portfolio looks like. Today I'll be.

[Dom]

I'm being real.

[Financial Audit Assistant]

There it is. But that's all because I'm.

[Dom]

I'm dumbing a failure.

[Caleb Hammer]

Doubt.

[Dom]

Hey, Doubt. I believe in me.

[Financial Audit Assistant]

Based on.

[Dom]

What do you mean based on what?

[Financial Audit Assistant]

You've accomplished nothing. Not one time in your life have.

[Caleb Hammer]

You accomplished something significant. Did you just fart?

[Dom]

No. Your leather chairs. My nails.

[Caleb Hammer]

We don't have leather chairs.

[Dom]

What do you mean? It's leather right here.

[Financial Audit Assistant]

No, it's not.

[Dom]

Or whatever this is. I wouldn't fart on your show. Okay. I think you're just not free.

[Caleb Hammer]

Huh?

[Dom]

What?

[Caleb Hammer]

Oh, you're gonna end up in the of pipeline, aren't you? You totally are. This is where people like no out there in la.

[Dom]

That freaks me out.

[Caleb Hammer]

Oh well, please don't even consider it.

[Dom]

I won't.

[Caleb Hammer]

You're going in here. Jersey Mike's More Kaiser Rx Medicine. Two late feasts this year so far.

[Dom]

Where?

[Caleb Hammer]

Shut the up.

[Dom]

Oh my Kaiser.

[Caleb Hammer]

You.

[Dom]

I forgot to put the auto pay.

[Caleb Hammer]

It's on Nordstrom.

[Dom]

Really?

[Financial Audit Assistant]

Yes.

[Dom]

Oh yeah, I don't. I didn't have auto pay on that one either.

[Financial Audit Assistant]

Oh, every time someone says at the beginning. I know for a. A fact. I know for a fact at this.

[Caleb Hammer]

Point, if I see a military person, they're on disability for the rest of their life, no matter what. If I see someone that says they aren't, they have never missed a payment. They definitely have. These are the two 100% truths in financial audit guys. And no matter what, someone will say, that's why I'm here. And you already did like five minutes in. $700 of interest accrued this year so far. What a joke. Over 30% interest. What a joke. Too late. Famous this year so far. Six months in. What a jo. Five months in at the statement.

[Dom]

Five bucks.

[Financial Audit Assistant]

Five bucks in at the time of this statement.

[Dom]

That's no good.

[Caleb Hammer]

Show me a picture of him.

[Dom]

Who?

[Caleb Hammer]

The boyfriend, the one we've talked about. Cause I'm gonna judge him.

[Dom]

No.

[Caleb Hammer]

Well, he's not gonna be on camera, but pull him out. If you want to wear weird leopard prints, go to Dom's leopard prints or nasty dot com. Oh, yeah, this guy's a failure. If I've seen a wannab musician. Oh yeah. This guy's never gonna provide. What a joke. This dude looks like he's from sublime in the 1990s. This dude's injecting heroin twice a day.

[Dom]

That's insane.

[Caleb Hammer]

No, this guy will never be able to afford anything. He is an emo, weird la freak of nature combined with different constructions of the human body. This guy. Good luck, man. Good. You guys are never.

[Financial Audit Assistant]

Oh, that is the largest, largest septum piercing I've ever seen in my life. Oh, you guys are perfect for each other.

[Caleb Hammer]

Please never reproduce.

[Financial Audit Assistant]

Whoa.

[Caleb Hammer]

It goes down to is like, who would play him in a movie?

[Dom]

Who would play him? Are you looking somebody up?

[Caleb Hammer]

No, I'm looking up a picture of the person he's playing. Cuz we don't show people without their consent on camera. If that's ever made it through. It was a technical accident. That was fixed immediately. What does he look like on camera? What? Who would play him? Oh my God.

[Dom]

I want to see.

[Caleb Hammer]

I found the perfect actor. What is going on here?

[Financial Audit Assistant]

Breakfast?

[Caleb Hammer]

What? No, that's what he looks like. And we love the down syndrome. We love the down syndrome. We're not critical of the down syndrome at all. They're the nicest people you've ever met. We love the down syndrome. We love the down syndrome.

[Dom]

Good.

[Caleb Hammer]

Big fans of the down syndrome here and the autistics. Give them all. We won't do eugenics. Bring them in. We love them here. I'm glad financial audit is big supportive of any and all people. What the Was that minimum on the Nordstrom card? See, look, every. I get extra goony guys. I get extra goony whenever they put a creature in front of me. This isn't my fault that I'm like this. It's her fault, which means it's Lindsay's fault. Lindsay, it's your fault that I'm being a degenerate right now. And Colton's fault and Jake's fault. The besties and Jordan's fault. $194 Nordstrom. I don't know how you're gonna afford these minimum fee payments. They're stacking, they're stacking, they're stacking, they're stacking. And I hear that you blamed that when you had to produce, called the producers. You blamed it on. Oh, I have such a problem always wanting to treat people. You're blowing money on yourself on there. And you won't even make your payments on time. Like, shut up. It is not you being a good person.

[Dom]

I like buying gifts for people.

[Caleb Hammer]

Cool. That is not what got you into that debt. That is not what is maintaining that debt. So when you use that weird deflection, it is bull. Yeah, it is bullshit. Also, you guys are never gonna move in together.

[Dom]

But it's fine.

[Caleb Hammer]

He makes no money. You're gonna. You're both gonna live with your parents forever. Are you okay with that?

[Dom]

Yes.

[Caleb Hammer]

And what are we doing? What goals do you have? What ambition do you have? What can I help with? Because I know I'm rosy and it's fun.

[Dom]

Newer. And I want to. What? I'm gonna know my dreams.

[Caleb Hammer]

Yes, please tell. Please tell. Yeah, please tell your dreams. Let's see if I can help you get there. Because again, again, I know we're beating her up. We're having fun. We're giving some good roasts and, you know, and actually, I legitimately was very pissed off earlier, as you guys can probably tell, but it happens. I am only human. But. But, you know, thank you for consenting to all that. But even with that, let's see if I can help you get to your goal. What is your goal? What are your dreams? Your aspirations?

[Dom]

To have my own brand. But that also, again, it involves money. And I want to be out of debt so I can make that happen. But I don't know how long that's going to take. But I want to pay it as.

[Caleb Hammer]

Like, you want to have your own brand. And what's your brand?

[Dom]

Lady clothing brand? Either. Gym clothes.

[Caleb Hammer]

Oh, no. One else is doing that. We haven't had literally five other guests in the show's history wanting to do that.

[Dom]

Gym clothes, really?

[Financial Audit Assistant]

Yes. That's athletic wear.

[Dom]

Well, it's. I wanted to be.

[Financial Audit Assistant]

I want it to be.

[Dom]

I haven't seen. But there's not a Chicano one.

[Caleb Hammer]

Great. You'll cater to five people.

[Dom]

Latinas, yes.

[Caleb Hammer]

More than. Yeah, But Latinos will probably just go by Lululemon. Lululemon and Fabletics.

[Dom]

Yeah.

[Caleb Hammer]

But, like, they'll probably build brands that exist that are good, but this brand.

[Dom]

Could be good, you know?

[Caleb Hammer]

All right, guys.

[Dom]

Streetwear, you know, all the cute stuff.

[Caleb Hammer]

I will allow it. I will allow it for this one time only. I will allow the plug, guys. If you want to see her brand, go to Dom definitely has a brand and a downsyndromeboyfriend.com and you can get access to all of her clothing today. What the. Wait. What is this Sharpie? This looks like the best Buy car, but it's not.

[Dom]

That's a Sears one.

[Caleb Hammer]

You have a Sears car.

[Dom]

I know. It still exists.

[Financial Audit Assistant]

Whoa.

[Caleb Hammer]

We're in the 80s right now. What, are you kidding?

[Dom]

Yeah, that one.

[Caleb Hammer]

No, no. What are you getting? Like, I'm so curious. What the. Do you even get on a Sears car?

[Dom]

Random stuff, I guess.

[Caleb Hammer]

Okay.

[Dom]

It started with the jewelry stand. They're like, you can get so and so off if you open a credit card. I was like, okay.

[Caleb Hammer]

They're so good at getting you.

[Dom]

They are.

[Caleb Hammer]

You owe $5,618.81. They're good at getting you because you don't have a single ounce of maturity. You want to be an entrepreneurial living at home, but you've never accomplished anything in your life. Good luck. I hope you do well.

[Dom]

Where do I start?

[Caleb Hammer]

1. Get an idea that's unique. I guarantee you there's a thousand Latina athletic brands out there. Guarantee you.

[Dom]

Okay, okay, okay.

[Caleb Hammer]

So do something no one's ever done. Let's use. Let's just use my example. Let's. Let's stroke. Stroke my ego real quick. Okay. Let's have a little. Little ego stroke. I don't even know what that was. When I write music and, you know, I was able to make a living off of composer. Very rare thing. It's really cool. I wanted to write a piece of music that I wanted to hear that no one else heard. When I thought about making content, I made a show that I wanted to watch but didn't exist yet. So I made financial audit. That's how you have to think about it, what market is not being served? Or if there is a market that is being served, what can you do so substantially better in such a unique way that it will surpass those other brands? Those are the two ways you essentially have to go about it. This is the most simple, easy version, guaranteed. There's like 50 Latino athletic wares and you're not gonna get there. I'm sorry. Like, you'll have some friends and family support it, but this is not revolutionary enough to get you there or you haven't told me what is gonna be so beyond industry changing that no one else is doing that. You're bringing to that. Do you have that answer?

[Dom]

No.

[Caleb Hammer]

See, you're like, no offense to 90% of the entrepreneurs. And I'm glad we have an entrepreneurial culture and I'm glad. I want you to risk things. I want you to lose, lose, lose until you find the thing that wins. That is not a bad thing. What is so bad is everyone talks about what they want to do, then they sit down forever, then they imagine it, they dream about it, and they never do it. And then you just live at home. Yes, exactly. That is just you.

[Dom]

So I'm trying to get out of doing that, but I guess it's just trying. Trying new things.

[Caleb Hammer]

I want you to pursue a career and if something hits you and you're able to research it properly, then maybe we can start a business on the side.

[Financial Audit Assistant]

Ever.

[Caleb Hammer]

Go full in. I'm very blessed. The audience is amazing. I got super lucky that this took off pretty quick. But even still, I had to work my job many months before I, you know, went full into this. And I was not willing to just quit my job and start this because who knows? This wasn't even started as a career. Of course I hoped I could make money off of it. I was hoping it would be a little extra money. Then I was like, oh, I made a little extra money. Hopefully I can make full time off of this.

[Financial Audit Assistant]

Oh, I can make full time with this. Maybe I can build a business. Oh, I built a business.

[Caleb Hammer]

It's really cool. But never start with that's where I'm going to be. Let me quit everything and go there because that's too risky. Plus, you have so much debt. Listen, there's Latina lifters, there's Diosa Fit Z F I tco, Rarefit Soul Work, Furuza Athletics, JZD Curva's, Latina, Port de Bras Charlie. In the Mexico version, those are the top 10 Latina owned and focused athletic brands.

[Dom]

I never Heard of any one of.

[Caleb Hammer]

Them, and yet they're probably selling and making money, whereas you wouldn't.

[Dom]

Yeah.

[Caleb Hammer]

Off the bat again, you might make some supplemental income, but that's a hobby. That's a hobby. And a hobby's okay. Hobby's not something that I'm gonna look down on. But I just don't want you to jump into this and think. I don't want you to just sit stagnant as you have the last 12 years of your life, thinking that eventually I'm gonna do this thing and it's gonna be successful. You're never gonna get anywhere with that.

[Dom]

Yeah.

[Caleb Hammer]

And that's just real. And I'm sorry. I'll get to a course certification. If you want to go into a different career field so you can make more money, it's great our audience uses them. I would have if they. If I knew about them before I did all this, but that would help. Okay, so this credit card's stupid. Of course. $5,618. 19 years to pay off. Yeah. You'll be 50. 50.

[Dom]

Yeah, but I want to pay it faster than that.

[Caleb Hammer]

Yes, but you do nothing to do that. In fact, all you've done is purchase an accrue interest. Your credit card balance went down just a few bucks. It's so insignificant. The minimum monthly payment is $201, so you wouldn't even be able to move out even if you wanted to. And what is it? Uber one? That is what you have on here. A reoccurring subscription?

[Dom]

Oh, yeah.

[Caleb Hammer]

750. Basically, rounded in interest lost this year alone. On this card, we're well over a thousand. Goes to a thousand.500 on both of these. On all three of these together. That's substantial for you.

[Financial Audit Assistant]

I know it's at a 33.24 interest rate.

[Dom]

That's how they get me.

[Caleb Hammer]

No, no, you got yourself. Because you have a lack of maturity, you're not able to say no. You're not able to recognize you're not a credit card person. So maybe I shouldn't take advantage of a tool that I'm incapable of taking advantage of because all it does is damage me. Yeah, yeah.

[Dom]

But. Oh, I don't know how to cancel that one.

[Caleb Hammer]

You call.

[Dom]

I would try.

[Caleb Hammer]

You close it. You call, and you close it. You call crazy, and you close it. What's crazy?

[Dom]

Nothing. I thought I did when I took it off from the PayPal, and now I went to another card taking it from a tap.

[Caleb Hammer]

Pay you think closes the card. Come on.

[Dom]

Well, not the Card. The Uber payment or the charge?

[Caleb Hammer]

You probably had a bad.

[Dom]

I didn't know that.

[Caleb Hammer]

You probably had a backup payment on the account.

[Dom]

Well, I learned.

[Financial Audit Assistant]

Just cancel the subscription instead of.

[Dom]

I tried on the app.

[Caleb Hammer]

On the Uber app.

[Dom]

Let me. Yeah. Oh, no. What happened is I don't have access to my Yahoo email, and then I can't.

[Financial Audit Assistant]

Pull out your phone.

[Dom]

What?

[Caleb Hammer]

Pull out your phone for that Yahoo One.

[Financial Audit Assistant]

Just pull out your phone.

[Dom]

Okay. One X give. But you need my passcode open.

[Caleb Hammer]

Oh, yeah. Little tit. Oh, this phone's horrible. What did you do? You dropped it so many times.

[Dom]

I need to get a new screen protector.

[Caleb Hammer]

No, you need a new screen. This is.

[Dom]

It's a sticker.

[Caleb Hammer]

You can't protect this anymore. Oh, that's. This. Okay, good. Because my. It's a sticker.

[Dom]

I just can't find the other ones.

[Caleb Hammer]

Why isn't your Uber 1 subscription on here?

[Dom]

I don't know what Uber 1 is.

[Caleb Hammer]

Oh, what are these? Memberships you've had Sculpt you. Lively home AI photoleap, micro factor meal Q TV remote. You have iCloud+ right now, which is.

[Dom]

I have a lot of photos. What happened? How did I take it off?

[Caleb Hammer]

Huh?

[Dom]

What'd you do?

[Caleb Hammer]

Nothing. Because it wasn't in there. I thought it may have been in there.

[Dom]

That's what I mean. I don't know what Uber one is.

[Caleb Hammer]

Okay. Care credit.

[Dom]

Oh, yeah.

[Caleb Hammer]

Three thou. Oh, yeah. Okay. $3590 and 34 cents. Of course there's interest. 84.57 cents. 121 minimum payment. 15 years to pay this one off. What is going on with this card? Oh, okay. Interest this year so far? 538. So what are we at, like, $2,000 now instead of 26.99? What's going on with this?

[Dom]

The Care Credit is, well, supposed to be for health and vet stuff. I have dogs.

[Caleb Hammer]

And.

[Dom]

And I use them on my dogs.

[Caleb Hammer]

How often do you have dog insurance?

[Dom]

No.

[Caleb Hammer]

Why?

[Dom]

Because I heard that's a scam.

[Caleb Hammer]

It's not if you get good ones. It's safety. Tens of thousands. Should I get Brandon? Which one should she get? Spot Pretz? Spot Press?

[Dom]

Really?

[Caleb Hammer]

Spot Pets Pretty good. Lemonade's pretty good. There's some good ones out there because.

[Dom]

I have a big dog and sometimes he gets hurt.

[Caleb Hammer]

If he has all these X things before that you've had it taken care of, he may not qualify, or he might not qualify for much, or your payment might be absolutely insane. Also, tell us the real reason you got the big bill.

[Dom]

Which big bill? On this one. I know. I've been using it.

[Caleb Hammer]

I think your dog ate your roommate's magic mushrooms.

[Dom]

Oh, yeah, My wiener dog. Yeah, it's my other dog. Yeah. That one was like 900 or almost a thousand. Yeah.

[Caleb Hammer]

Is wrong with you?

[Dom]

It was me. It was her, my roommate's boyfriend's fault.

[Caleb Hammer]

Like, listen, if you can't afford to have dogs even while living at home, you just can't have dogs because it's not fair to the dogs.

[Dom]

I know it's not, but one of them was pushed on me.

[Caleb Hammer]

Pushed on you? Tell me.

[Dom]

It was my brother's dog and he moved down with his girlfriend, had a kid. Can't take the big dog to the apartment, so I stepped in.

[Caleb Hammer]

What is this card?

[Dom]

What is that?

[Caleb Hammer]

What is.

[Financial Audit Assistant]

I'm asking, what is it?

[Dom]

What is that?

[Financial Audit Assistant]

What is it? I don't know.

[Caleb Hammer]

Oh, my. What is the account? It doesn't have any branding.

[Dom]

What is this?

[Caleb Hammer]

Yeah. What do you see at the bottom, by the way?

[Dom]

Oh, smile now.

[Caleb Hammer]

What do you see at the bottom?

[Dom]

It's for my wisdom teeth with what's highlighted, but to avoid paying a cured interest.

[Caleb Hammer]

Oh, what's highlighted? Come on.

[Dom]

The late fee. Why is there fly?

[Caleb Hammer]

What was it?

[Dom]

The late fee.

[Caleb Hammer]

The person who never has late fees.

[Dom]

Yeah. It's because I didn't put auto pay. I keep forgetting. I know, I forgot.

[Caleb Hammer]

So because you got a late fee because you forgot, you actually never had a late fee. Is that the mathematical equation?

[Dom]

No, I just forget that I get late fees if I don't add auto pay. But majority of all my stuff is auto pay.

[Caleb Hammer]

So to be extra clear, a late fee because I forgot about the payment equals I've never had late fees. That's the mathematical equation.

[Dom]

Yes.

[Caleb Hammer]

Okay.

[Dom]

To kind of make sense, but. Yeah.

[Caleb Hammer]

What is it called again? Smile.

[Dom]

Yeah, my dentist offers it and I got my wisdom tea pulled out.

[Caleb Hammer]

So I like to tell you guys exactly what I'm doing with my own money, my own investing and things like that. And a lot of you know that I was investing in an app called Moomoo for a while. That's where I was doing my brokerage trades. But honestly, I decided I kind of wanted to move on from the over complexity because it should just be simple, honestly. So I decided to search far and wide for a new partner to work with, to move my portfolio over and to trade out of an inconsistent basis. And I picked webull because they have a great reputation online. So I got with them and I was like, okay, I'm going to switch my stuff over. And a lot of people in the audience, maybe they want to switch their stuff over as well because they kind of like to follow what I do when I put my money places. So we worked with them and we negotiated some incredible signup benefits and transfer benefits if you decide to use webull. It is incredible. It is such an upgrade of a platform. And I wish I did this a year ago or so. And I feel dumb that I didn't. So here it is right here in the description. You can see you get a 200 to $30,000 cash bonus when you sign up or transfer. Also, 12 months of Wall Street Journal Premium, a 3.5 IRA match and 30 Weeble Premium. So listen, this is such an upgrade. I feel like an idiot again that I haven't done this forever ago. That's where I moved and I think that's where you should move as well. Check it out. Top of the resources section in the description below. Yeah. Interest accruing 41. What?

[Dom]

I didn't want to go to Mexico again because I went to Mexico for my other wisdom tea. It was like 150. It was cheap.

[Caleb Hammer]

$1,196 is held on here. Interest is accrued. 41, 48 minimum payment. Seven years to pay off. Why do this for seven years?

[Dom]

I'm not going to do it for seven years.

[Caleb Hammer]

Yeah, except that's exactly.

[Dom]

I think the interest rate starts after 12 months.

[Caleb Hammer]

It is interest accruing right now. What are you talking about?

[Dom]

Really?

[Caleb Hammer]

That's what they said. Really? Yes. Well, let me see that. Actually, sorry. Maybe that was fees. I apologize. Yeah, that was the late fee. That was the late fee. Guys, reminder. I'm going to pay this off earlier. How am I doing that? By paying less. Wait and get in extra charges. Please make that make sense. And you're right, it is interest free for an al.

[Financial Audit Assistant]

Shut the.

[Caleb Hammer]

It was an accident. Which is why we've had three this year.

[Dom]

Those are all accidents. I just got.

[Caleb Hammer]

You're broken. You're never gonna get anywhere. I'm so sorry. I know I'm being rude, but it's true. I don't give a. I should have did all right away. It's true. In about a year, the interest will.

[Dom]

Accrue unless they pay it off within the.

[Caleb Hammer]

Oh, good. Interest. You're not going to because you're late. Shut the up. I don't know how you've survived this so far this year. This life. Interest is accruing like mad. PayPal credit. What's going on with this?

[Dom]

Clothes or shoes?

[Caleb Hammer]

Oh, clothes. Not closed. Okay, $1,094 and 7 cents. And on here you're just getting Chewy's. Chewy can be expensive, depending on what you're getting. What are you getting on chewy?

[Dom]

80 my dog food. It's a 40 pound bag of dog food.

[Caleb Hammer]

What is this? Deferred named. What is named?

[Dom]

Named Collective.

[Caleb Hammer]

Oh, I don't know. It was 153.35.

[Dom]

Yeah, it was a sweater.

[Caleb Hammer]

Come on. So do we want to get out of debt or are we getting sweaters? Because so far it just seems sweaters and bull. Less than $240 of purchases on here when you only made $150. Payment minimum monthly is 33. Like it says, this takes 7 years to pay off. Some of these are deferred interest, but also interest is already accruing. So clearly some from the past aren't. 23.67 are occurring. 28. Some are currently 30. This one's at 30. The one that's live. That expires.

[Financial Audit Assistant]

That expires in a couple months.

[Caleb Hammer]

You're not. You're never gonna. Yeah, Dude, I don't know. This is a mess.

[Dom]

What expires?

[Caleb Hammer]

And it's one of them. One of your deferreds. You have deferreds. And obviously you never pay them off until and before the deferred interest hits. You never do that. How do I know?

[Financial Audit Assistant]

Because interest hits.

[Caleb Hammer]

You have interest hitting constantly. 140 bucks in interest this year so far. PayPal credit's dangerous for you to have because it's so easy to just finance things. Speaking of dangerous for you to have. Affirm.

[Dom]

Yeah.

[Caleb Hammer]

What are you doing?

[Dom]

Close Lashify.

[Caleb Hammer]

Pull out your affirm notice. This is Amazon. This is Amazon right here. Pull out your affirm.

[Dom]

Let me see. I don't think I have the app.

[Caleb Hammer]

So you just go on the website?

[Dom]

Yeah. Why should I have that?

[Caleb Hammer]

No. Pull up at your Amazon app, though. Who knows what you want? Affirm right now.

[Dom]

Hold on, let me see. I can log in really fast.

[Caleb Hammer]

157. I'm gonna call it $157 with a 78 minimum payment. Pull up your Amazon.

[Dom]

Ma'.

[Financial Audit Assistant]

Am.

[Dom]

Give me.

[Caleb Hammer]

Pull up your Amazon.

[Financial Audit Assistant]

Pull up your Amazon.

[Caleb Hammer]

Oh, my gosh, lady, listen, I'm moving the show along. Move up your Amazon.

[Dom]

Just give.

[Caleb Hammer]

Just give. I can do it. I can pull up apps. Pull the mic to your face. Okay, you moved your face to the mic, but that's okay.

[Dom]

What?

[Caleb Hammer]

Naked Essentials. Dry food for dogs. You already get shiff on Chewies. There's more dog food?

[Dom]

No, but listen.

[Caleb Hammer]

Amazon Fresh store. 11 things in the cart. Sake.

[Dom]

What are they?

[Caleb Hammer]

Protein smoothie. Protein things. Necklace. More of those interesting netflixes. Sectional couch covers. Coffee mugs. We really need.

[Dom]

I really need a back massager.

[Caleb Hammer]

Awesome. Like my daughter. Are you a mother?

[Dom]

No, that's for my dad. I didn't buy it.

[Caleb Hammer]

Couch cushion covers. Couch cushion covers. A heat press machine. No, no, don't do it. Don't invest into this business. Don't invest into this business yet. You're not there. You're not there. Do not invest into this. Please don't. Please.

[Dom]

Okay, not yet.

[Caleb Hammer]

Not yet. Yes, exactly. Not yet. You just have so much debt. What the fuck is this? What app is this? What are you getting? Fashion and dolls kill in Nike. Is it Klarna?

[Dom]

Yeah, I think so.

[Caleb Hammer]

Good. What? Huh? What?

[Dom]

I'm just laughing because. Oh my God, it's a lot and.

[Caleb Hammer]

You think it's cute.

[Dom]

It's not.

[Caleb Hammer]

Okay, Klarna. You'll be Clara and doordash before you know it. Trust me. $674.03. It's your balance with a minimum payment DoorDash of $274.39. And then interest is hitting. Of course.

[Dom]

Really? There's interest in that?

[Financial Audit Assistant]

Yes.

[Dom]

Yes what?

[Caleb Hammer]

Welcome to how they make money.

[Dom]

What do you mean what I mean? Yeah, but that's 36 cents.

[Caleb Hammer]

Yeah, but this is just going. If you were paying interest instead of fact.

[Dom]

Yeah, about 36 cents.

[Caleb Hammer]

You're going to live at home forever. Literally forever.

[Dom]

It's fine.

[Caleb Hammer]

Ulta beauty card. It's fine. Exactly. I don't know why the I'm talking.

[Dom]

What's wrong? You just said there's nothing wrong with that and then now you're saying there's something wrong with that.

[Caleb Hammer]

Context. Context. A lot of other cultures do it. But you're only doing it because you want to just spend. No, but you do. You spend way more than you make. That is objectively true.

[Dom]

Okay, so what the are you talking about?

[Caleb Hammer]

So you can build your business, your make believe business that you've never done, so you can do a worthless degree.

[Dom]

Family.

[Caleb Hammer]

My parents are living at home and having independence and making progress in your life.

[Dom]

But when I was trying to do.

[Caleb Hammer]

That big city, you can live in a lot of. Yes. Because you can't manage finances. Because you're incapable of maturity. Because you're incapable of maturity.

[Dom]

I'm not educated in it.

[Caleb Hammer]

No, no, listen. I'LL put you through our budgeting program. I'll get you in Dollar wise Central, where you get all of our classes, including all future classes. Okay? It saves 80% for these guys, but you get it for free. So take all our budgeting class, investing class, debt class, real estate class, recession class, everything you can do. And take advantage of the budgeting app. That'll actually teach you if we're going to use the I was uneducated excuse if we're gonna use that. You can get educated, but that is also stupid. You can figure out rent. You can figure out rent. Dude. You didn't go into debt because you lived on your own. You went into debt because you're incapable of acting mature and telling yourself no.

[Dom]

Yeah.

[Caleb Hammer]

Interest is accruing on here. You owe $233.79 with a minimum monthly payment of $30. Interest is accruing, takes nine months to pay off. It's at a 31.24 interest rate. What a joke.

[Dom]

Nine months?

[Caleb Hammer]

Yes.

[Dom]

I could pay that first.

[Caleb Hammer]

Stupid loans. Are you kidding? You overdraft every second of life. And this is. This is. This brings us back to the beginning of the conversation.

[Dom]

Hmm.

[Caleb Hammer]

It's not you. Living on your own is what got you into debt. You're still overdrafting. Now you're going further into debt via overdrafting because you have an overdraft loan. That is so stupid. Do you hear that? Overdraft alone. Yeah, I shouldn't be saying those words.

[Dom]

Then why did they give that?

[Caleb Hammer]

That is your immaturity and inability to control your spending or maturity. This is so stupid. Okay. Overdraft loan.

[Dom]

Yes.

[Caleb Hammer]

Wait, no. We start with the personal loan. There's a personal loan? Why do you have a personal loan of $7,942?

[Dom]

Because I took it out to pay my other loans.

[Caleb Hammer]

What loans?

[Dom]

I mean, not my loans, my debt. But then. So the credit cards.

[Financial Audit Assistant]

Here it is, ladies and gentlemen.

[Caleb Hammer]

Why you should never do that. Are you kidding me? You did it before. Change your behavior. Now we're right back where we were. Except we have double the debt now. It's so moronic.

[Dom]

Do you want to know something else?

[Caleb Hammer]

Honestly? No.

[Dom]

Okay, cool. So. Probably pissed you off even more.

[Caleb Hammer]

What?

[Dom]

I got a personal loan before that was 10k too. And I paid it off. And then a few months after, I think or six months, another one.

[Caleb Hammer]

Why do you do the things that you do? 287 minimum monthly payment and 82 cents. When did you take this out? This balance is substantial. The interest rate is horrendous at 16 and the payment is horrible. And it's stacking monumentally.

[Dom]

When did I take it out? I think February if I don't even trust you.

[Caleb Hammer]

Whatever. Yeah, 90. Payment is due on the overdraft fee. That one's sitting at 2,908. 81 cents. So ridiculous. With an interest rate of 18%. 18%. Horrible overdraft. You've overdraft up to 4,000. $3,000. I would be embarrassed. I would be disgusted. I am in fact, disgusted.

[Dom]

It could be worse.

[Caleb Hammer]

Shut the up. Barely. Barely. Just because it's worse doesn't mean it should be good. You think that's okay? You. It's not okay. Then why would you say it could be worse? What's the point of saying that? What's the point of saying that?

[Dom]

Can you make myself feel better?

[Caleb Hammer]

There it is. So you can sleep at night when honestly you should be working and paying off debt and stressing about it.

[Dom]

Shouldn't sleep.

[Caleb Hammer]

I'm not saying that. But you're just saying that as a cope. And then you're never making any progress because you tell yourself that and then you're okay. You're not okay and you shouldn't be okay. You shouldn't be telling yourself you're okay. You're not okay. You're a mess. You're a disaster or joke. And you should be taking every nuclear option necessary to pay off this debt.

[Dom]

Okay? What? Not eat or eat less? Or not eat out and not buy stuff?

[Caleb Hammer]

We've already been through this. Shut up. I'm not talking. I'm not talking you through that. I've already answered that question, okay? I'm not wasting my time in vocal cords and breath and oxygen on that dumb. Stop.

[Dom]

That's fine.

[Caleb Hammer]

Great. You have a Volkswagen Beetle?

[Dom]

Yes. She's cute.

[Caleb Hammer]

You owe $7,463.26. Minimum monthly payment. 305. What is the interest? Do you know the interest? Would you know the interest?

[Dom]

No, I don't.

[Caleb Hammer]

You actually not know.

[Dom]

I don't.

[Caleb Hammer]

You really don't know? Oh, we don't know the interest rate either. So I'm guessing it's not good because you don't have credit. What do you think the worth is? What do you think it's worth?

[Dom]

The interest rate?

[Caleb Hammer]

The car. Oh, interest rates aren't worth something?

[Dom]

How much it's worth now? Well, where I bought it.

[Financial Audit Assistant]

What's the car.

[Caleb Hammer]

How much do you think it's worth now?

[Dom]

Like 13,000?

[Financial Audit Assistant]

Yes. No.

[Dom]

13,000. And I bought it for 17.

[Caleb Hammer]

You owe $7463. And you think it's worth 13. It is worth 7500. Technically, it is worth what you owe. I don't know what the interest rate.

[Dom]

Is probably more like.

[Caleb Hammer]

It's probably horrendous. And I don't need to know, but it's probably horrendous. Listen, this isn't the absolute worst, but for stacking up against all your other debt, it's stupid. And I bet the interest rate actually makes. Actually does make it absolutely horrible.

[Dom]

Yeah.

[Caleb Hammer]

This is sad. I'm just. I'm very disappointed in this conversation. I'm very disappointed in this conversation.

[Dom]

Why.

[Caleb Hammer]

Push through and here we arrive to the student loans for the special degree.

[Dom]

Yes.

[Caleb Hammer]

Okay, so listen, the 8,000. $8,813.40. It's not. I don't want to use the. It's not the worst because that's what you guys use for your detriment. But that's. Listen, $40,000 is the median. That's the average student loans that people graduate with, right?

[Dom]

Yeah.

[Caleb Hammer]

And for 40% of people who borrow for student loans drop out. At least you graduated. You finish it. Easy to agree. It helps. But you did do it, and we do like to see that. And student loans is lower. And again, they're actually all below 4% interest rate. So I'm not freaking out about these, but what's your payment?

[Dom]

My pay?

[Caleb Hammer]

I.

[Dom]

Sorry, I. Lady, I got scared the court.

[Caleb Hammer]

You got scared? Yeah.

[Dom]

Because you're going to be like another late payment.

[Caleb Hammer]

What's your payment on this?

[Dom]

$87.

[Caleb Hammer]

And that sounds close to about right?

[Dom]

Yeah.

[Caleb Hammer]

Yeah. Okay. I mean, I don't know. You didn't send me a statement of your account. You just sent me a screenshot. Of what? You sent me a screenshot of the website. So I can't see your payment history. I can't see if you've had late payments.

[Dom]

I'm being honest with you.

[Caleb Hammer]

So you were lying at the beginning.

[Dom]

I thought you were.

[Caleb Hammer]

You actually lying at the beginning?

[Dom]

I said you called liars. I was lying, but I didn't know. Yeah, we came through it.

[Financial Audit Assistant]

It.

[Caleb Hammer]

That's so moronic.

[Dom]

I forget.

[Caleb Hammer]

Late pen. They'll garnish your wages.

[Dom]

I forgot.

[Caleb Hammer]

They'll garnish.

[Dom]

Do you remember there was a pause?

[Financial Audit Assistant]

Yes.

[Caleb Hammer]

Yes.

[Dom]

And then the pause finished like a.

[Financial Audit Assistant]

Year and a half ago.

[Dom]

I forgot about it.

[Financial Audit Assistant]

It's been a year and a stupid.

[Dom]

So I had to pay, I think like 262 because of that.

[Financial Audit Assistant]

Good.

[Caleb Hammer]

You deserve it.

[Dom]

Yeah, and I did pay it.

[Caleb Hammer]

But when was the last time you relate to your own knowledge? Last month, you entitled, spoiled brat. Come on. The way you live your life, why you go. Shut the. Up you go and you spend all this money on clothes and food and post and post. And then you don't make your $87 student loan payment because you refuse to put it on an automatic payment.

[Dom]

Yes.

[Caleb Hammer]

What a brat. And your parents support this? They enable you by allowing you to stay there. They should kick you out. They should kick you out.

[Dom]

Well, they won't.

[Caleb Hammer]

They should kick you out. If they loved you, they'd kick you out.

[Dom]

They won't. Where am I gonna go?

[Caleb Hammer]

That's on you to figure out. It's time to grow the up. Listen, this is. No, no, no, no, no. Shut the. You did not try. You don't know what trying is. Shut up. Up. My vocal cords had hurt. Shut up. Listen. You've never tried. You don't know what trying is. They should kick you out so you can figure it out. They're enabling you by allowing you to stay there.

[Dom]

What? Dilute my little beetle?

[Caleb Hammer]

Sure, if you have to, because you'll figure it out. You don't make insignificant money for la. Yes, it's on the lower end, but there are roommates. There are roommates. In fact, you have a significant other for two years.

[Dom]

Why would I want roommates?

[Caleb Hammer]

I'm so done with. No, no, no. I'm okay with you wanting to be with family. They're allowing you to put your life on hold and act like a little brat forever. They should kick you out for you so you can figure out or die trying. You're never gonna make progress in life, and this is clear as. No. No, you're not. Shut up.

[Dom]

I hate.

[Caleb Hammer]

I hate talking to you. You're so annoying. You're an actual annoying person and it's not cute.

[Dom]

That's fine.

[Caleb Hammer]

You're disgusting.

[Dom]

That's fine.

[Caleb Hammer]

No, you're disgusting. You are disgusting.

[Dom]

No, I'm not.

[Caleb Hammer]

Yes, you legitimately are financially financial. The way you live your life is disgusting.

[Dom]

No.

[Caleb Hammer]

Yes.

[Dom]

No.

[Caleb Hammer]

You selling out money, liquor market. Who would have thought? Sandwiches. I don't give a water. Anything you have to say. I don't care anymore. I do not care about anything you have to say anymore.

[Dom]

Okay?

[Caleb Hammer]

There's not a single thing you could say that I give a. About at this point. You leech off your parents, you leech off the system, and you do nothing.

[Dom]

The system? How do I leech off the system.

[Caleb Hammer]

Not paying your student loan.

[Dom]

But I just told you I made a big payment because of that maybe.

[Caleb Hammer]

Payment and then miss our last month. Now I'm shut the then and then PayPal out Nordstrom. Yeah, let's go to Nordstrom but not pay our student loans. Oh guess what? This Nordstrom, this Nordstrom one is worth two for student loan payments. Two and a half. TJ Maxx Steak Bro Jersey Mike's Cream Coffee shop beverages and more Scentbird yard house cream coffee shop villains yeah, you're the villain in my art today. State Bro refair.com Renaissance Fair Amazon PayPal withdraw Zell chick Fresca's Green Bliss Cafe Zelling on money who knows where 200 zono money who knows where $180 target you I barely go shut up paypal nectar juice bar Amazon your girl state bro school first the others that target TJ maxx basket taco paper rice Star cone But these are the people that want to beg for money saying life is hard, ladies and gentlemen. Man, I'm giving up. This. This is going to make me turn into. This show is going to make me turn into a old boomer. I swear man says people like you. People like you are just such a leech on society. Venmo Ice cream Venmo la Chicas Frescali Series Degree Zelling out money Starbucks Amazon Fresh Toys LLC $51 Apple Cash 10 aisle $7.26. Oh, that's for buying something Cupertino or something. At least that was based there. No Apple Cash. Cupertinos were Apple Space. I don't know. Krispy Kreme for a joke. What a joke, man.

[Dom]

It's all food.

[Caleb Hammer]

Shut up. I don't want to hear you. I just don't want to hear you. $292 in our retirement at 30. You are the person who blows all their money, goes into debt, gets enabled their entire life, refuses to sacrifice. Put anything away for retirement and then it comes retirement time. And then you cry. You cry that there's no money for you. You cry that people aren't paying enough taxes so that you can have more money when you have done nothing your entire life and you've been enabled and you've just been a spoiled brat and you did nothing to prepare for your future. So other people have to put future building slower in order to give you more money.

[Dom]

More money.

[Caleb Hammer]

When you come and beg at retirement saying you don't have enough. Give me, give me. Please give me, give me. Yes, you will.

[Dom]

I'm going to make it out. All of this. All of this. I could do it with your budget plan.

[Caleb Hammer]

Shut the up. I'm sorry.

[Dom]

I am determined. You think I'm lying, but I'm not. I'm being serious. I know everyone says that when they come here, but I'm being is serious. I'll prove you wrong.

[Caleb Hammer]

All right, let's see if we can make you a budget. I'm going to attempt, ladies and gentlemen, for you, something can get. Someone can get something out of this episode. Certainly not me. Pain or misery. Sorry, I'm being negative. Total income. What is that? 4,500 on a monthly basis?

[Dom]

Yeah.

[Caleb Hammer]

Not counting that Other. Honestly, not even setting money aside for taxes. We didn't even get to talk about that. And there's no point of it, cuz you wouldn't anyway. Yeah. You know you're not paying taxes on your contract income, right?

[Dom]

What has happened?

[Caleb Hammer]

Gentlemen, I'm scared. She brought her evil nature in here.

[Dom]

My ancestors are here.

[Caleb Hammer]

Yeah. And they don't like you embarrass. No, you embarrass them. And they're trying to punish. I mean alone, your minimum payments. Nothing beneficial. Except your student loans. Except not because of your choices. Are $1,819.17. What a what? That's so horrible. That's 40% of your income because of your spending. Because if you're undisciplined, because you just want to spoil yourself and be bougie and all this stuff and get worthless degrees because of that, 40% of your income goes to debt. Yeah, you're right. You can move out now. All because of your choices. So now you force yourself to live there. And they should still kick you out and force you to go through bankruptcy so you can learn something. Your rent's 200. Shut.

[Financial Audit Assistant]

Shh.

[Caleb Hammer]

Your rent's $250.

[Dom]

Mm.

[Caleb Hammer]

Okay, that includes utilities, Internet, all that stuff. Right? How does the grocery situation work with the household?

[Dom]

I buy out.

[Caleb Hammer]

Oh, lady, we are so close to the end. Please do not. Or my mom could please grow some intellig. How do groceries work at the household?

[Dom]

I buy groceries. My mom buys groceries.

[Caleb Hammer]

Okay, so you don't have to buy all the groceries. No, I'm gonna give you $200 for groceries.

[Dom]

Well, thanks.

[Caleb Hammer]

100 TP fund. Anything else you need to survive. I'm gonna give you $20. 25 for subscriptions. You figure out where it goes. Pet insurance. Good luck. Not with those things. Pet food. Pet food.

[Dom]

It's 80 bucks. It's a lot. My dog is like 85 pounds.

[Caleb Hammer]

Car insurance.

[Dom]

Every three months. It's 450 every three months.

[Caleb Hammer]

Surprised you can afford that bill when it happens. But 150amonth. Gas.

[Dom]

Gas month. 40 a week, maybe.

[Caleb Hammer]

120. Yeah. Phone bill.

[Dom]

Phone bill's 50.

[Caleb Hammer]

That's not horrible. Healthcare Co pays.

[Dom]

Anything from kaiser. It's like $8 a month.

[Caleb Hammer]

Okay. And then how often do you go in?

[Dom]

Not that often.

[Caleb Hammer]

Okay, we'll do that. Anything else that needs to be in your budget, Jim?

[Dom]

Yeah, 30amonth.

[Caleb Hammer]

Anything else that needs to be in your budget?

[Dom]

Nope. That's casting. Food. That's gym.

[Caleb Hammer]

Nope, nope, nope, nope, nope.

[Dom]

Dog food.

[Caleb Hammer]

Just going through the mall again. We're done.

[Dom]

What else?

[Caleb Hammer]

You okay over there?

[Dom]

Yeah, I'm just thinking. Making noises and I'm thinking, yeah.

[Caleb Hammer]

You'Re fine. Put in rent. That would be a little difficult, but you actually could with the roommates. 2832.17. Or boyfriend. Except we know he doesn't make money. I'm gonna call him in the post show, by the way. I'm calling him in the post show. I don't give up. He doesn't work. Yeah, I'm gonna call him in the post show. No, his work is playing on his little guitar, pretending he's making money.

[Dom]

Side stuff.

[Caleb Hammer]

$1667. I'm gonna. Minus your student loans and the $46,220.04 at the current rate. If you actually budget, which I honestly don't think you will because you're stuck in the market. I don't know. I hope you do. I hope you do. It takes 22 months. So two years, that's not bad. That is worth it takes less than two years to get a fully funded emergency fund. Let's call it two and a half years total. Pay off debt, get a fully funded emergency fund. Move the out.

[Dom]

Fashion brand can be a thing.

[Caleb Hammer]

I'm gonna give her a Hammer Financial score. But guys, remember this month only Hammer Elite, the best YouTube membership on the platform is free. All you have to do, subscribe below and then submit proof of purchase@hammer elite.com will reimburse you with a gift card that can be spent anywhere and in most countries. Join us for the post show for this Join Hammer Elite spending in a budget. Your Hammer Financial score is you ever spent 0 out of 10 depth. This is pretty much the worst you can get besides collection. Actually that overdraft draft I'm concerning that Basically collections are 0 out of 10. Never seen anything like that in my life. It's ridiculous. Emergency fund? Absolutely nothing. 0 out of 10. Retirement? Barely 1 out of 10. Real estate? 0 out of 10. Hammer financial score rounded up just to be generous. 0.5 out of 10. We're gonna call the boyfriend. Talk about other juicy information in the post show. Join it for free. Join it for free.

[Financial Audit Assistant]

See you in the post show. Bye. You're coming on this show? You think you could go to Vegas? Your family?

[Dom]

No, listen.

[Caleb Hammer]

I've been listening for an hour and a half. What have I taken away from this? You're really screwing yourself over for the future.

[Dom]

It seems like this overdraft loan is crazy.

[Financial Audit Assistant]

Elusive Members Content Click the link in.

[Caleb Hammer]

The description or pin comment below and watch thousands of hours of extra and uncensored content.