The Biggest Losers I've Ever Had On Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: "The Biggest Losers I've Ever Had On Financial Audit"

Date: April 6, 2026
Guests: Zoe (37, bank call center, Central Arkansas), Jimmy (50, telecom retention, Central Arkansas)

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Episode Overview

In this episode, Caleb Hammer sits down with Zoe and Jimmy, a couple from Central Arkansas, for one of his most exasperating financial audits yet. The show dives deep into their problematic spending habits, a tangled web of family bailouts, unhealthy relationship dynamics, and a refusal to take accountability. Caleb confronts both guests about their lack of financial self-awareness, their repeated patterns of poor decision-making, and the rationalizations that keep them stuck. This episode stands out as a cautionary tale: a case study in what not to do with personal finance, relationships, and life planning.

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Key Discussion Points & Insights

1. Relationship & Living Situation

• Background:
  • Jimmy moved from Australia to Arkansas in the '90s for a woman, now dating Zoe.
  • They are not married but have been together for 16 months (14:08).
  • Both come with considerable baggage: previous marriages, kids (Zoe has two, ages 14 & 11; Jimmy has two adult daughters).
• Living Arrangement:
  • Zoe and Jimmy only live together every other week due to Zoe's split custody.
  • Jimmy’s elderly father lives with him and pays his mortgage (10:27, 11:03).
  • "She lives with you every other week like she's an adopted child or split custody." (05:31, Hammer)
• Dynamic:
  • Jimmy's dad pays his mortgage, lending him $40k to clear debt, and covers household costs for 2025–26.
  • Tension exists about moving in, combining families, and blending financial responsibilities (12:52-13:46).

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2. Income & Job Status

• Zoe: Customer service call center, $16.72/hr (~$1200 bi-weekly) (02:46, 03:21)
• Jimmy: Telecom retention, $1800 bi-weekly (~$3600/mo) (03:43, 03:57)

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3. Financial Habits & Accountability

Spending Patterns

• Jimmy admits a "spending habit" on racing memorabilia and eBay collectibles (04:19, 26:41).
• 2025 saw $26,000 spent on eBay alone (59:44).
• “I have a bit of a spending habit when it comes to buying collectibles online. FOMO. Living in the moment.” (04:19, Jimmy)
• Both spend excessively on eating out ($1200/mo on food and eating out) (40:16).
• Both continually rationalize their spending and lack of progress.

Bailouts & Irresponsibility

• Jimmy bailed out financially by his father (mortgage, debt payoff, gifting cars), and by other family members, every few years (65:04).
• “How long have you been doing [the notepad budget]?” “Seven, eight years.” “Year seven didn’t work so we kept doing it…” (52:43, Hammer)
• Zoe feels financially dependent on Jimmy, especially after buying her own house (41:09, 43:24).

Budgeting & Debt

• Jimmy uses a notepad for budgeting for 7–8 years—“just flying by the seat of my pants” (52:28).
• Consolidation loans used as a "solution", but with no underlying behavior change (45:01–46:37).
• “It's not paying off debt. It’s just a transference of debt.” (45:29, Jimmy)
• $412,000 in combined debt including mortgage, car loans, personal loans, and lingering debts from prior relationships (47:31).

Retirement & Emergency Funds

• Jimmy, at 50, has only $50,000 in retirement—“a complete joke for your age” (06:09-06:12, Hammer).
• His only savings comes from selling assets or tax refunds, not from changed habits (50:01).
• Zoe's retirement was neglected in marriage due to ex-husband's demands (90:57).

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4. Rationalizations & Deflection

• Both guests frequently change their stories when on camera versus in private pre-interviews (28:10, 29:11, 41:25).
• Jimmy blames his dad's bad spending, but continues to burn through his father's money (20:29).
• “You just wanted to say the right thing.” (43:05, Hammer)
• Caleb repeatedly calls out the lack of accountability and endless excuses.

Notable Exchange:

• “Why did you tell Lindsay you feel dependent on him because he spoils you? Your words.”
  (41:52, Hammer to Zoe)
• “Well, I mean, yeah. I mean, life certainly wouldn’t be as enjoyable without him for sure, because I can’t… I mean, I can’t afford…”
  (41:59, Zoe, admitting dependency)

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5. Relationship Red Flags

• Past relationships scarred by financial infidelity on both sides (14:43-15:23).
• Multiple failed marriages, quick marriage after long-distance relationships, and “hiding purchases” is common.
• Intention to have a child together, despite lack of preparation and unconvinced desire from Zoe (34:21-36:09).
• Jimmy: “I would cut out all the bullshit tomorrow.” (34:23)
• Hammer: "Tomorrow never comes. But yet you keep doing that and her and a child might come into this situation that is completely [expletive]." (34:27)

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6. Debt Details, Legal Issues & Poor Decisions

• Zoe owes for a broken lease ($3048) and is litigating to get her name off her ex-husband’s mortgage & solar loan (74:52–82:27).
• Both have new mortgages with large payments relative to income (83:00-84:09).
• Multiple loans and high-interest car notes (17%-plus for Zoe’s car).
• Failed due diligence on rental contracts, leading to fines and extra costs (75:41-76:11).
• Legal expenses mounting (89:05–89:22).

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Reaction to Their Financial Position

• Hammer Financial Score (summary rating of their finances): 2.5 out of 10
• “You guys are actually worse than the average guest that comes on and says bad stuff because you guys are just hiding it… Not willing to take accountability for one single thing.” (43:05, Hammer)

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Notable Quotes & Memorable Moments (with Timestamps)

• On relationship/living situation:

  • "She lives with you every other week like she's an adopted child or like a split cust." (05:31, Hammer)

• On collecting & FOMO:

  • “My problem is, I buy it to intend it to flip it, and I'm like, damn, that's really cool. I'm gonna put on the display.” (60:09, Jimmy)

• Accountability & repeated patterns:

  • "This is the man who says the good words, who promises, who does the good talk, but never does the walk. We've seen it time and time again… Tomorrow never comes." (34:27, Hammer)
  • "If you consolidate all your debt into another debt, doesn't mean that debt is gone." (19:47, Hammer)
  • "So what's the selfishness? Why? What are we trying to do? What is it? Living life. Who do we not care about? Clearly her. I don't give a [expletive] about her." (54:26, Hammer)

• On retirement:

  • “At 50 years old, your retirement’s a complete joke.” (06:12, Hammer)

• On their finances:

  • "You're spending more than you make, so that's not going anywhere. I don't know what we're talking about." (47:07, Hammer)
  • "This is for the household debt. Well apartment collection. 0 out of 10 emergency fund..." (96:56, Hammer)

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Timestamps for Major Segments

• [02:39] Introductions and background
• [04:19] Confession of Jimmy’s spending habit on collectibles
• [10:27] Discussion about their odd living/dating arrangement
• [11:03] Jimmy’s father pays his mortgage and lives with him
• [12:52], [14:43] Relationship and family structure; failed marriages
• [26:41], [28:10] Debate about combining finances
• [40:16] Review of recent (and absurdly high) food and eating out spending
• [45:01], [59:44] Breakdown of debts, consolidation loans, recurring bad habits
• [52:28–54:41] Seven years of failed budgeting; accountability
• [74:52–82:27] Apartment lease issues and legal fights with ex
• [83:00–86:11] Mortgage details, equity, and overextension
• [90:57–91:21] Zoe’s lack of retirement contributions due to ex-husband’s control
• [96:22–97:36] Final advice and Hammer Financial Score

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Final Thoughts & Takeaways

Caleb’s Verdict:

• This couple exemplifies “what not to do” in financial and relationship management.
• Both guests are deeply entrenched in destructive spending patterns, chronic bailouts, and have zero willingness to own up to their roles.
• There is little hope for financial or emotional progress without significant and immediate behavioral change.
• Caleb is blunt: “You guys are actually worse than the average guest because you’re just hiding it… Not willing to take accountability for one single thing in your lives when you’re in the wrong. Not one thing.”
• The show concludes with a low financial score (2.5/10) and heavy skepticism about whether any genuine change will result.

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For Listeners: Why This Episode Matters

If you don’t know where your money is going, keep blaming others, and think quick fixes (consolidation loans, bailouts, asset sales) are true solutions, you could end up just like Zoe and Jimmy—trapped in the same cycles for decades. Caleb’s audit is a wakeup call about radical honesty, the need for behavioral change, and why accountability (not rationalizations) is the real path to financial health.

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Notable moment:
“Don’t ever come on the show if you’re like these people.” – Caleb Hammer (41:25)

Transcript

[Zoe]

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[Caleb Hammer]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Why did you tell Lindsey you feel dependent on him because he spoils you?

[Jimmy]

You have like $5 left to your name if that. And if there's one deviation from an electric bill, a water bill, you're fine.

[Zoe]

I'm screwed. Yeah, you're.

[Caleb Hammer]

Haven't you only been bailed out endlessly?

[Jimmy]

I mean, I have had bailouts from my family in the past.

[Caleb Hammer]

Where's any kind of personal responsibility or advocacy for yourself? I mean, he's the piece of. Don't get me wrong, he's the one doing it. And you're willing to promise her that? Hey, if you birth out a kid then honestly, I have a note that she doesn't even want. For what it', worth, you don't even want a kid. This is the final day. Dollar wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away. Fore. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise. To start your free trial, go to Dollarwise.com or click the link below.

[Zoe]

Hi, my name is Zoe. I'm 37.

[Jimmy]

Hi, my name is Jimmy. I'm 50 and we're from Central Arkansas

[Zoe]

and this is financial Audit.

[Caleb Hammer]

Why would someone with your accent land in central Arkansas out of all places in the United States to go? Central Arkansas.

[Jimmy]

So it's a bit of a long story, but long story short is, I

[Caleb Hammer]

mean it's very short.

[Jimmy]

Yeah, I met a girl on the Internet back in the mid-90s.

[Caleb Hammer]

Well done.

[Jimmy]

Was not me and me in the mid-90s. Jeez. And got on a plane and flew to America and the rest is history.

[Caleb Hammer]

Okay. In central Arkansas.

[Jimmy]

Yeah. Well, that's where she lives.

[Caleb Hammer]

So like reverse 90 day fiance way

[Jimmy]

before kind of all.

[Caleb Hammer]

Actually, no. I guess it is because you came to America. So I guess it is.

[Zoe]

You came to America. Yes. That's 90 Day Fiance.

[Jimmy]

I came to America. Two days later I got married without a Social Security number.

[Caleb Hammer]

Really is 90 day fiance. Well, welcome guys. Thanks for coming down to Austin. I do appreciate it. Zoe, you are right in front of me. So let's start with you.

[Jimmy]

You never saw this coming.

[Caleb Hammer]

I summoned pot of greed to draw three additional cards from my deck. What do you do for a living?

[Zoe]

I do customer service at a bank. I'm in the call center.

[Caleb Hammer]

Sure. Have we ever talked?

[Zoe]

Probably not.

[Caleb Hammer]

Okay. I would hate you if I did. And I'm very pleasant. Yeah. Just nobody likes it. What do you make?

[Zoe]

I make like 1672 an hour.

[Caleb Hammer]

Like. Or 1672 an hour.

[Zoe]

I think it's 1672 an hour. Yeah.

[Caleb Hammer]

Okay. How many hours a week are we working?

[Zoe]

40. Yeah, well, usually about 41. Yeah, I get a little bit of it over time.

[Caleb Hammer]

Maybe that one extra hour. So what do you make per paycheck? Cycle. And what is that? Paycheck cycle.

[Zoe]

I get paid every two weeks and it's roughly $1200.

[Caleb Hammer]

Cool. 1200. Listen, Central Arkansas, lower cost of living compared to the rest of the United States. But Jimmy, what do you do? 50 should be honestly past the height of the career at this point. You're on your way down.

[Jimmy]

I knew you're going to so.

[Caleb Hammer]

Well. Yeah.

[Jimmy]

Yeah.

[Caleb Hammer]

You look good for your age, I think.

[Jimmy]

Well, thank you. I work in a hair dye.

[Caleb Hammer]

No.

[Zoe]

No.

[Caleb Hammer]

Okay.

[Jimmy]

Everyone asked me that. No, it's unnatural. Yeah. So I'm 50 and I work for a big telecommunications company. Retention. And I bring home about 1800 bi weekly. So 3600amonth.

[Caleb Hammer]

Okay. Okay. So 3600. Good. Are we married? No.

[Jimmy]

Dating?

[Caleb Hammer]

Did you just say yes?

[Zoe]

I said no.

[Caleb Hammer]

Oh, you said no. Okay. I was going to say that would be a weird disagreement. Oh, okay. Yeah, that was a funny joke. Okay. So what's going on, guys? What are we talking about?

[Jimmy]

Well, I have a bit of a spinning habit when it comes to buying collectibles online. The. The fomo. Living in the moment.

[Caleb Hammer]

What are you collecting besides women in central Arkansas? Well, seems to be.

[Jimmy]

It's like racing. Racing memorabilia. You know, car racing memorabilia.

[Caleb Hammer]

Okay. Racing towards young. Bigger and bigger age gaps or. No, I mean, I don't really give a 750. I mean, it was, it was in the note that, like, it was like, oh, the age gap. And I'm like, I don't. I mean, you're, you're past 21.

[Jimmy]

I don't give a. Consenting adults.

[Caleb Hammer]

Who, who gives a. But I mean, it depends where you guys are in life. There, There will be an interesting thing where she's going to be towards the height of her career, and you're going to be entering Social Security age. Like, that's odd. Like, that's an uncommon thing, at least in today's culture, for sure. And yet you're the one spending all the money. I think more than anything. It's the fact. I don't even think that that's the actual issue I'm looking over. It's the weird way that you are living your lives with. I think you're not even paying your own mortgage, if I'm not mistaken. I'll need transparency there.

[Jimmy]

Yes.

[Caleb Hammer]

But not only that. She lives with you every other week like she's an adopted child or like a split cust.

[Jimmy]

And the spinning time again.

[Caleb Hammer]

This is very confusing.

[Jimmy]

Yeah. So what the.

[Caleb Hammer]

Is actually going on here? Right.

[Jimmy]

Well, I think what's happening is recently with my purchases online, Trump's tariffs have been kicking my ass.

[Caleb Hammer]

Like, your purchases online.

[Jimmy]

Yeah.

[Caleb Hammer]

Okay, don't purchase.

[Jimmy]

Right. But again, can you afford it?

[Caleb Hammer]

What's your retirement at 50 years old,

[Jimmy]

you're not gonna like that.

[Caleb Hammer]

Well, it sounds like you probably shouldn't be making the purchases regardless of any tariffs.

[Jimmy]

It's, it's at about my real time. It's about 50 grand right now.

[Caleb Hammer]

Well, that's a complete joke for your age. So why are we purchasing without tariffs? Are you giving him a hand job under the table? What's happening there?

[Zoe]

No, I'm just petting Disney.

[Caleb Hammer]

Okay.

[Zoe]

You know, it's just, it's giving him some comfort.

[Jimmy]

That's. It's fine. It's just, you know, the, the purchases. I mean, I have that fear of missing out and, you know.

[Caleb Hammer]

Fear of missing out of what? What are you missing out on? Well, you know, like a collectible. You missing out.

[Jimmy]

It's like, you know, like replica race helmets, for example, is usually what I, what I buy. And they're quite, they're quite expensive. And like, they usually. They're like one of a kind items. So there's like, you can't have a kind item that.

[Caleb Hammer]

Who cares about what about the missing out on retirement? You're not afraid of missing out on retirement. What are you going to do? It's not like she makes a killing. Then all of a sudden you. She's going to be. Well, I don't know. Are you going to say. So you married the other one. How many have you been with since her? How many are we trying to lock down?

[Zoe]

I mean, before me.

[Caleb Hammer]

Well, in between the one he moved here for.

[Jimmy]

You.

[Caleb Hammer]

Are we bouncing between women?

[Jimmy]

Just. Just two ex wives. Yeah.

[Caleb Hammer]

Oh. So, yeah. That's not like casual.

[Jimmy]

No.

[Caleb Hammer]

Well, these are ex marriages. These are. They weren't just dating or messing around.

[Jimmy]

No.

[Caleb Hammer]

Exactly. So you're ready to be ex wife number three in the usa? Ah, because that's where this trend is heading. And then it's really weird that you, like, again, are like a split custody child.

[Zoe]

Well, I have kids that I do have.

[Caleb Hammer]

Split custody. Have done that yourself.

[Zoe]

Yes.

[Caleb Hammer]

Very good. Okay, so what's going on with that? How many kids you got? You have kids, Jimmy?

[Jimmy]

I do. Two. Two girls in the early 20s.

[Caleb Hammer]

Okay. Almost ready for you to date. Just Hannah, if you weren't really young.

[Jimmy]

Not that young. I have my limits.

[Zoe]

I'm about.

[Caleb Hammer]

And you?

[Zoe]

Yeah.

[Caleb Hammer]

How old are they?

[Zoe]

I have two kids. A girl that's about to be 14 and a boy that's about to be 11.

[Caleb Hammer]

Okay.

[Zoe]

Like this week, in a couple weeks. So very close.

[Caleb Hammer]

I'm proud of him for that.

[Zoe]

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[Caleb Hammer]

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[Zoe]

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[Caleb Hammer]

So why are you with him on a week? And why aren't you paying your own mortgage? I don't even know what that means. Let's start with you. Why are you only with him every other week?

[Zoe]

So with my ex husband and our two kids, we have 50. 50 custody. So I have them every other week and then he has them for a week. And on my week with the kids.

[Caleb Hammer]

So you stay with. You don't have your kids, correct?

[Zoe]

Yes. When I have.

[Caleb Hammer]

Why, why, why? Why can't you stay with him when you have your kids? Are you guys going to be together forever? Are we focusing on this as an actual future relationship?

[Zoe]

We. I mean, we would. He has.

[Caleb Hammer]

You would. If. If what?

[Zoe]

He has no issue with My kids, like, if we had enough.

[Caleb Hammer]

What do you mean? We would. What's would? Would means. But we would. But.

[Zoe]

But there's not enough room. We would need a house big enough for the Brady Bunch to have. His kids.

[Caleb Hammer]

My kids, his dad, they're in the early twenties. They're still there?

[Jimmy]

No, one of them is still living with me. The other moved out recently, but. Yeah. So one of my kids is still living with.

[Caleb Hammer]

What do they think of new mama?

[Jimmy]

Oh, yeah, they get along with her. I mean, okay, it's always pretty easy to get along with.

[Zoe]

They love me. But at first, they did ask what in the world we would have in common.

[Jimmy]

Yeah, but they had some. They had some issues with the age gap initially.

[Caleb Hammer]

Why I. 3750. I mean, you guys are past what you have in common. I mean, you're not like, 9 and 20. Like, what. I think you guys would pretty much have everything in common.

[Jimmy]

You guys are.

[Caleb Hammer]

Well, in your adulthood, what is there not to have in common at that point? There's not, like, weird things that happen at 49 that isn't happening at 36. I mean, it's. I don't get it. Okay. That's weird.

[Zoe]

Well, I mean, they are their early 20s, so they think that, you know.

[Caleb Hammer]

Well, yeah, I mean, in their early 20s. Yes. That would be a different stage of life than someone nearing retirement, for sure.

[Zoe]

So we didn't have that thought about. We have nothing in common. It was his daughters that did.

[Jimmy]

Yeah. But we do have lots in common. I mean, and about. About the mortgage. So. Yeah, if I could talk about that a little bit. I mean. Yeah, So, I mean, I've lived in my own house now for about the last seven years, and my dad moved from Australia to the States to live with me, and he ended up, you know, selling his house for about 600,000 Australian, which ended up being about 410,000American dollars. And. Well, one of the things he said to me before he left Australia to move in with me, because obviously we talked about it. He was like, I'm gonna make your life better. I'm gonna make your life better when I move with. Moving with you.

[Caleb Hammer]

What the. Is why. Why would it make your life better? What is that? That's a weird thing.

[Jimmy]

Yeah, because he knew about my financial situation before.

[Caleb Hammer]

Men say to women they want to.

[Jimmy]

Well, I mean, this is like, what. I'm. I'm as, you know, last remaining child. So when he. When he moved here, you know, he basically lent me, like, 40 grand to pay off, you know, Bad credit card debt. I got all that paid off.

[Caleb Hammer]

That doesn't fix anything. That doesn't change any behavior.

[Jimmy]

Well, last year didn't change any behaviors. This year. I'm working on it, but it's a. It's a work in progress.

[Caleb Hammer]

We're, like, two months into the year.

[Jimmy]

Yeah, I realized he's talking about.

[Caleb Hammer]

That's nothing.

[Jimmy]

Yeah. And anyway, he. He said he was going to pay my mortgage for all of 2025. So that. That was. That happened, and.

[Caleb Hammer]

Oh, okay. You want dad moving in with you regardless if he's paying the mortgage? Well, I mean, you actually, like, actively want that.

[Jimmy]

I mean, I love my dad, and I get.

[Caleb Hammer]

Yeah, but you want him to move in with you. I love mine, too. Wouldn't want him living with me.

[Jimmy]

I mean, I'm happy that he's there. I mean, I gave up a third of my house. You know, he's got. He's got the master bedroom. He's got the master bedroom. Master bathroom. Yeah. Like, I'm living in my. My kid's old bedroom. It's. It's a bit of a weird dynamic, but.

[Caleb Hammer]

It was a weird dynamic, as in, you wouldn't send us your mortgage statement because my dad's paying us. He just wouldn't send it to us.

[Jimmy]

It was an oversight, but, I mean, I.

[Caleb Hammer]

Oversight? You wouldn't send it to us?

[Jimmy]

I mean, I don't mind showing it to you, but, I mean, I could tell you exactly what my payoff amount is.

[Caleb Hammer]

Well, I will need to know that in your financial audit. And believe it or not, I don't know why you wouldn't send it, because my dad is paying it. So he's still paying it. Into 2026.

[Jimmy]

Into 2026. And then it's on me.

[Zoe]

And.

[Jimmy]

But so this.

[Caleb Hammer]

When. What are you. You're 50. Why are you acting like you're 15?

[Jimmy]

Well, you know, I just.

[Caleb Hammer]

Why'd you get a house if you couldn't afford it? What are you doing? And also get out of it if you can't.

[Jimmy]

I could. I could afford the mortgage. It's just that I was overextending my credit cards to, you know, keep my head above water, you know, like, using my credit cards to buy groceries before he moved in and, you know, stuff like that. It was a bit of a tough situation.

[Caleb Hammer]

And how do you feel about Papa being there? I mean, I understand, I guess, not moving in with that. Especially if you're saying you don't have enough room. Well, yeah, it sounds like he's taking up the master bedroom.

[Zoe]

Yeah, it's. It's definitely an interesting dynamic. It was fun coming home on that, that first. Well, it wasn't our first date. It was like our third. Second date. Second.

[Caleb Hammer]

Oh, she's not a.

[Zoe]

Well, no, I just, we didn't even do anything that night. But I was just saying coming to his house for the first time and meeting his dad was a little odd and. Yeah, it's a little complicated. He is always there. He. He lives in the kitchen. On his computer.

[Jimmy]

Yeah, from like 7 in the morning to basically midnight every day. Rinse, repeat. That's what my dad does. He just, he's on his computer.

[Caleb Hammer]

Do you want him there or gone?

[Jimmy]

I mean, I don't mind him staying there.

[Caleb Hammer]

I mean. Well, it sounds like it kind of. You're like, oh, that's all he does.

[Jimmy]

I mean, it was, you know, I think basically this is like, you know, he's in his twilight years. He's in his mid-70s. So I think the way he looks at it is he's moving in with me, he's helping me out financially for a while. And if anything happens to him like, you know, health wise or what have you, you know, I'll be there to take care of him. I think that's, that's what he's looking at as far as the big picture is concerned.

[Caleb Hammer]

Okay, so how long have you guys been together then?

[Zoe]

Today is our 16 month.

[Jimmy]

Yeah, 16 months. Almost a year and a half anniversary.

[Caleb Hammer]

Counting by the months, like it's a newborn. That's weird. But are you guys getting married anytime soon?

[Jimmy]

I mean, we've talked about it. I mean, it's, it's on the cards. It's just, you know, we haven't.

[Caleb Hammer]

On the cards. What, what, what are we looking at?

[Zoe]

So I am open to marriage and I'm not in a hurry to get remarried because I was in my last marriage for just about 15 years. But he, you know, he's been married twice and he's not really excited about a third.

[Jimmy]

Well, you know, married and divorced twice. It's expensive and, you know, what'd you do wrong? Well, I mean, it's a two way street, right? I mean, what, what did I do wrong? I mean, what was wrong? I mean. Okay, so the, the first marriage, it basically ended in, I mean, financial infidelity and then just actual infidelity. Side, her side.

[Caleb Hammer]

She cheated.

[Jimmy]

Yeah, she cheated toward the end of the marriage, you know, and that's when we had, we had two kids. Yeah, it was pretty, pretty horrible. Second Marriage was basically just financial infidelity. Like she would hide purchases. Like she was addicted to buying clothes, addicted to buying shoes.

[Caleb Hammer]

You know, hiding purchases.

[Jimmy]

In the end, I was, because.

[Caleb Hammer]

Well, there you go. It sounds like both sides.

[Jimmy]

Yes. I mean, you know, and then the sick marriage, we just kind of grew

[Caleb Hammer]

apart and so someone that hides marriages from their spouse is someone you want to get married to?

[Zoe]

Well, I mean, it's kind of what I'm used to, I guess I could say.

[Caleb Hammer]

Oh, good. You want to repeat that?

[Zoe]

No, he's. He's way better than. Than my ex husband was.

[Caleb Hammer]

How do you know? Are you guys combined?

[Zoe]

No.

[Caleb Hammer]

How can you say he's way better than your ex husband?

[Zoe]

I just mean, emotionally speaking.

[Caleb Hammer]

Everyone's a victim of their ex, apparently. Every time. It's like no one, no ex was ever good in the history of relationships. It's like grain of salt. I don't really believe you. What? 15 years with someone. What?

[Zoe]

So with him, honestly, we never should have got married to begin with. And then for a long time we just. I stayed with him because of the kids, but he is definitely a narcissist.

[Caleb Hammer]

Okay, great.

[Zoe]

And he also hid a lot of spending. And.

[Caleb Hammer]

And you want to repeat that? Cause this is someone who has done that. I'd be like, well, I don't give a. About. It's his dad. I don't really care. But he's paying your mortgage, right? He's helping you get out of a shitty situation, and you're hiding spending from him while he's extending his mortgage paying into this year. So his behavior is continuing.

[Jimmy]

Yeah.

[Caleb Hammer]

How can you say it's better? How can you say it's getting better? How can you say this will be better?

[Jimmy]

Yeah, I mean, last year I kind of squandered, you know, because I was basically saving 2,000. I mean, I had $2,000 I could save every month. And I really should have put it, you know, toward doubling down on the mortgage, but I basically, I just.

[Caleb Hammer]

No, you don't double down the mortgage.

[Jimmy]

I mean, I was like, on the payments. I mean, why.

[Caleb Hammer]

That doesn't make sense. You have nothing in retirement. Well, I'm a financial expert over.

[Jimmy]

Yeah, I mean, well, and then that's always the thing. I mean, you said that my retirement at my age is a joke. I know it is, but it's like that 6% getting company match in a 401k. Like that 6. Well, I mean, I know it wasn't enough, but even at 6%, it was. I couldn't afford it the last few years, I just could.

[Caleb Hammer]

You probably spend money on bullshit. I mean, you're hiding something from your dad today. I'm being told. Well, and how can you tell me it's not going to be a repeated pattern with her if you are literally doing that to your dad right now? Yeah, you said you could set 2,000 aside a month, but you're not. So how is this going to be better for either of you? Sounds like a repeat. You like someone. So you're willing to head down the same path you already are, and then you're going to claim victimhood in five years. Oh, I was dating a narcissist. I married a narcissist. I got read by a narcissist. No, you see it right now and you're going to go down that again and then be like permanent woman victim again five years from now. Cry all over Twitter and TikTok or something. No, you're literally seeing this and now you're defending it. I mean, where's any kind of personal responsibility or advocacy for yourself? I mean, he's the piece of shit, don't get me wrong, he's the one doing it. But you're walking right into it and you are already preemptively defending it. So how can I have any sympathy for your past relationship or this one that you're about to get into even further?

[Jimmy]

I'm up front with it. I mean, he tells me about all of it.

[Caleb Hammer]

He's hiding it from his dad. He's telling you. But if he's already hiding it now from the person that is there to bail him out, what is preventing him from doing that in the next multi decades to you? How are you not connecting that dot and immediately defending it?

[Jimmy]

Well, I mean, I don't hide everything from him. It's just. Okay, so something came in the mail one day and he knew what it was and he was like, if this happens again, I'm not paying the mortgage anymore. And I was like, well, shit fair. Yeah, I mean, you know, I changed my habits for a couple of months and then the FOMO comes back. I mean, I know you don't appreciate the hot hobby and, and what I'm collecting, but I mean, I understand hobbies, I get that.

[Caleb Hammer]

But I also understand your retirement is a joke and you're hiding it from your dad who was there to bail you out.

[Jimmy]

I'm not hiding all of it. And, and he knew my situation.

[Caleb Hammer]

That is at least impactful. You are though. And even just hiding any of it, like what Are you determining you're hiding 50% of it and that makes it okay? Because it's. You're not hiding 50.

[Jimmy]

That's why I was determined to go into 2026 debt free, like, clean slate.

[Caleb Hammer]

You didn't.

[Jimmy]

And. Well, I kind of. I mean, I kind of did, except for the. My consolidation loan, but that was.

[Caleb Hammer]

That's not debt free. Consolidating debt is not debt free.

[Zoe]

Keeps forgetting about that one.

[Caleb Hammer]

What do you mean? That's like everything. If you consolidate all your debt into another debt, doesn't mean that debt is gone.

[Jimmy]

Well, in a way. I mean, in a way, because I. I didn't run the. I didn't run the cards back up that were paid off. I didn't run them up.

[Caleb Hammer]

Yeah. What has it been, a couple months? And I see you're spending. We spend more than we make, so how long until then?

[Jimmy]

Yeah.

[Caleb Hammer]

And then the hobbies that we're hiding.

[Jimmy]

Yeah. I mean, yeah. The spinning more than I make. That. That is an issue. It is an issue.

[Caleb Hammer]

Your dad came here with over $400,000. He's down to 110 to $120,000 now.

[Jimmy]

Yeah.

[Caleb Hammer]

And you're just allowing him to do that for his entire life. That's his entire life savings because he came over from selling that house, Right?

[Jimmy]

Yeah.

[Caleb Hammer]

And you're just, well, blowing all the. On hobbies.

[Jimmy]

Well, my dad's always had an issue with spending. I mean, like, since what? Since I've been.

[Caleb Hammer]

Since you're spending. He's. You. How do you possibly just deflect to that? Dude made money, he came here, he's paying for your mortgage, and he's draining it down. Paying your mortgage. How is it your dad having an issue not you having an issue not being able to pay your own mortgage? And when he does, instead of you setting yourself up for any kind of success for when he's no longer here, because I doubt he's young, you're blowing it all. And then you immediately say, yeah, he's had problems spending. You. You've had problems spending. What are you talking about?

[Jimmy]

I'm not.

[Caleb Hammer]

How'd you deflect to him immediately?

[Jimmy]

I'm not blowing his money. Except for what he is putting towards the mortgage. While I'm talking about.

[Caleb Hammer]

Yes, you're blowing your money while he's doing that. How are you saying he has a spending problem? He's paying for your mortgage.

[Jimmy]

I'll tell you, not even a month since he moved to America, he spent like $25,000 on what he called his little hot rod 2007 bright orange Mustang with a flame job V8 engine.

[Caleb Hammer]

You also let him buy you a Corvette?

[Jimmy]

Well, yeah, I did because he, he said, would you like a Corvette for your birthday? He's going to say no to that.

[Caleb Hammer]

Me if I care.

[Jimmy]

Okay, so you said I don't care about my dad because I let him buy me a Corvette because his finances

[Caleb Hammer]

have gone from 400,000 hours to 120.

[Jimmy]

Yeah.

[Zoe]

And that's at the very beginning. That was, still had 400,000 at that time.

[Caleb Hammer]

Yeah, well, that's the start of draining it down.

[Jimmy]

Yeah. I mean, and he bought, he bought his, you know, he bought my oldest daughter a $25,000 Subaru SUV. And I mean, I, I could go on for about five minutes about what he spent his money on, but you

[Caleb Hammer]

have a problem with him doing that, but not a problem buying your Corvette and not a problem with him paying your mortgage.

[Jimmy]

I do have a problem with, with him doing that. And I, and I called him out on, he's like, I know, I know, I know. And there's like, how is this ST 74 going on 75? Yeah. So, I mean, he's, he's getting up there and sometimes I feel like, you know, maybe there needs to be some type of, you know, I don't know, conservatorship or something like that over, over, you know, his money.

[Caleb Hammer]

I, I, bro, he's taking care of your mortgage.

[Jimmy]

I know. Yeah. For another eight and a months.

[Caleb Hammer]

Yeah, eight or nine months. How do you determine when that's done? Because it's supposed to be done two months ago.

[Jimmy]

I know.

[Caleb Hammer]

And so how do, how do we deter? And this is what you want to get into? Are you hearing this?

[Jimmy]

I mean, he's a generous guy. He's a generous guy.

[Caleb Hammer]

I mean, he is, he'd be a generous son and say no. And actually, you guys make decent money, especially together. Now, I understand we're not combined because we're not married yet, but even when we are married, Jimmy doesn't want to get combined. Yeah, that's an easy way to hide spending. Are we not stacking the red flags at this point? Lady, you want to get combined. He does not want to get combined. What the he.

[Zoe]

Well, when we've had the discussion before about what it would look like when we do merge everything. I am the traditional. The way I did it in my 15 year.

[Caleb Hammer]

How many discounts does USAA auto insurance offer? Too many to say here. Multi vehicle discount, Safe driver discount, New vehicle discount, Storage discount, Legacy how many

[Zoe]

discounts will you stack up? Tap the banner or visit usaa.com autod restrictions apply. Marriage was, you know, we had one account that everything went into his check, went into my check, went into all

[Caleb Hammer]

the bills he did, hidden spending and stuff. So I don't think that even worked for you, but go ahead.

[Zoe]

Yeah, well, gas station purchases every day, you know, hidden.

[Caleb Hammer]

Or did you see it because he had a joint account?

[Zoe]

Oh, I saw it. He was just lying about what it was for.

[Caleb Hammer]

What was it for?

[Zoe]

Mainly cigarettes and lottery tickets.

[Caleb Hammer]

Just a $1 scratchy. Thank you. Continue. So you had joint before and you want to be joint now?

[Zoe]

Yes.

[Caleb Hammer]

When you get married and eventually divorce.

[Zoe]

Once we get together, yeah. You know, permanently. That's how I see it. You know, maybe having separate accounts for fun money. Just so we don't have to, you know, as long as it.

[Caleb Hammer]

Okay. But he doesn't want this. Listen up. If you want your savings to actually earn something, I got something for you. Plus, you can get up to $350 to kickstart it. The aver savings accounts right now are paying around 0.39% APY. So if you've got 5,000 hours saved, you're earning like 20 bucks a year. And it feels like an insult because that's about nine times lower than what you could be earning with Chimes High Yield Savings Account, you can earn 3.75% APY. That same $5,000, that's about $188 a year. $168 more for letting it sit in a better spot. That is a new pair of headphones. That's a weekend getaway. That is real money, not a joke. I tell people all the time, your emergency fund should not just be sitting there doing nothing. Mine's in a High Yield Savings Account because I want it growing but still accessible. No lockups, no hoops, no nonsense. It takes just a few minutes to sign up. There's no monthly fees and no minimum balance, which means you get to keep your money. Revolutionary concept, isn't it? And they make savings stupid easy. With their automation features, you can set goals like an emergency fund or a vacation, round up purchases automatically or send part of your paycheck straight into savings. And right now, now you can get up to $350 exclusively through my [e-mail] Caleb go to that link or click the link in the description below or scan the QR code on screen to start earning 3.75% APY. Don't put this off. Sign up today and actually make your money work for you. Let's get back to the show. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey's app. Personal finance guy. Right. Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise bills. Play these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below.

[Jimmy]

Now, I mean, I'm okay with putting in a chunk of my money that I get paid every two weeks into an account to cover the household items, you know.

[Caleb Hammer]

Yeah, but that's you transferring money into it. Not all the money goes into it. And you transfer a little out for fun on separate. That's different.

[Jimmy]

I mean, it could be the other

[Caleb Hammer]

way around as long as.

[Jimmy]

Okay, so my first marriage.

[Caleb Hammer]

Well, I. She shook her head and I know that's not true from the notes of the phone call. That is a. That is a walk back because you're on camera. Right, right.

[Jimmy]

I like.

[Caleb Hammer]

Right, exactly.

[Jimmy]

I like to have a little play around.

[Caleb Hammer]

So what's happening? What's a little play around money, though?

[Jimmy]

I mean, to the, to the point where I don't have to make a call and be like, hey, honey, can we check the bank account, make sure there's like seven or ten dollars so I can get a six inch subway sandwich? Like, I don't want to do that.

[Caleb Hammer]

That's.

[Jimmy]

That's.

[Caleb Hammer]

No, it's. It's less about that. It's more about. We have conversations at the beginning and end of every single month after we go through the budget and see what happen. It can be allocated to things like 6 inch sandwiches, which I don't know why the. You're going to Subway over all places, but even still, you are. And that is an agreed upon conversation at the beginning and end or mid of every single month. It's not for every single purchase but if there's separate accounts and money's going who knows where, and not budgeting as a household, we can't agree on where money should be going and properly allocated in different places.

[Jimmy]

I mean, I would still like a bit of money to be allocated, you know, towards, you know, my hobbies and, and I support her hobbies as well. But I would. I don't mind cutting back on that, but I still want to be able to do that.

[Caleb Hammer]

Well, you guys had a tense conversation a couple weeks ago.

[Zoe]

Yeah. Yeah. Tell me just about this.

[Caleb Hammer]

Yeah, tell me what happens.

[Zoe]

Well, you know, basically what we just did, you know, but he, with his idea, he said, you know, I would put in a chunk of money into a joint account. He would put a chunk of money into the joint account and pay the bills. And he said, whatever's left over is our fun money. I said, but you make double what I make. Don't you see that causing some tension somewhere along the way where you have twice as much fun money as. As I do and, you know, stuff like that? And he said, well, it wouldn't be exactly 50, 50 going into the joint account. You know, obviously he. His words. Obviously he would put in, you know, a higher percentage of the bill since he makes twice as much as I do.

[Jimmy]

I have no issue with that.

[Zoe]

But I don't know how.

[Caleb Hammer]

How was it a tense conversation then? If you have no issue with it, what the are we talking about? Every piece of information we have is. You were not okay with that, and you are not okay with that. Now you sit here and say you are okay with it. I'm so confused. I feel like that's not helpful when this conversation is done because that is a tone change immediately.

[Jimmy]

I'm not trying to have a tone change.

[Caleb Hammer]

She walked. She had to walk out of the room. She had to walk out of the room in that conversation. She stormed off. Now you're just sitting here saying you're okay with it.

[Jimmy]

I mean, I'm, I'm. I'm not trying to be controlling about my money. I mean, I am.

[Caleb Hammer]

No, I think you're changing your tune on camera.

[Jimmy]

No, I'm not trying to change my tone on camera at all.

[Caleb Hammer]

Okay, then why was it completely different until you were on camera? I'm, I. Lindsay asked if you guys came to an agreement. She said no.

[Jimmy]

Well, I, I told Zoe that I would be happy to put a good chunk of my money into the joint account. It's just that I would like to have some play around money. It doesn't really matter.

[Caleb Hammer]

Some. How are we defining some? Because you guys did not come to an agreement and she walked away. Tell me.

[Jimmy]

Yeah, sure. I mean, I think what happens.

[Caleb Hammer]

I summoned part of greed to draw three additional cards from my deck.

[Jimmy]

Go ahead. He's asking you. I mean,

[Caleb Hammer]

you were there. You're the one that told. You told Lindsay that you guys did not come to an agreement. Tell me.

[Zoe]

We'll come to an agreement when it comes to that point.

[Caleb Hammer]

So, like, when is ever that point then?

[Jimmy]

Well, that. That is what we have to determine. I mean, we guys want to have more kids.

[Zoe]

Yeah.

[Caleb Hammer]

What the.

[Jimmy]

Well, you're kind of getting a little backwards. I mean, I'm. I know I'm 50. She's 37. Well, I mean, she's, you know, she's in the. The twilight years. Right. Of.

[Caleb Hammer]

Do you want to have more kids or not? I even know that you want to. Then what the are you trying to tell me?

[Jimmy]

I'm just. I'm just saying the. The likelihood of us conceiving is pretty low and.

[Caleb Hammer]

Okay, well, she just ripped out the iud, right?

[Jimmy]

Well, that's right. Yep. We yanked that sucker out.

[Caleb Hammer]

So are we wanting and trying to have more kids or not? Because again, I feel like you're doing the thing that just happened in the last three conversational points where you're literally backing out of the exact topic that we had in your pre interview where you guys are trying to have kids. And I understand. Well, I know I'm old, so that wasn't the conversation. You told them you are trying to have kids. You want to have kids. What are you doing here? I'm just saying, why are you giving this, like, why are you doing this, looking like a good guy on camera when this has absolutely nothing that has happened in the pre interview and will not be applicable to anything that happens after this. So basically, why is he acting this way? You're saying the things, you know that make you look good, but not the things that applied to anything that happened before this or anything that'll happen after this. Meaning this is no longer a productive conversation if you're gonna bullshit.

[Jimmy]

I'm not. I'm not bullshitting.

[Caleb Hammer]

Okay, well, that was not the information you gave before.

[Zoe]

We are of the mindset that if it happens, great, but we're not going to be going into any, like, fertility doctors or anything like that.

[Caleb Hammer]

We're actively trying. We're just not going to pay extra medical shit.

[Zoe]

Correct.

[Caleb Hammer]

Should we bring a child into this? You guys are preparing for a child when she can only you guys are actively dumping. Come in there for the sake of children while she only stays with you every other week.

[Jimmy]

I visited too. I don't think. I mean.

[Caleb Hammer]

Okay, well, she only stays with you every other week while your dad is still there. Well, you have nothing to speak for. For retirement. Ten years away from retirement. In fact, even less so if we're talking like, Roth accounts 401K. Roth IRA. You have nothing to speak of. As far as I know, you guys are completely up lives. No room for the current kids, and we're banging to have more. What the are we doing, guys? I feel like this is literally the most irresponsible thing. Why aren't you moving in with her?

[Jimmy]

We've talked about that.

[Caleb Hammer]

Well, it sounds like we've talked about a lot and agreed on nothing ever. Because no conversation is productive. Because we just say what makes us look good.

[Zoe]

He says he likes space.

[Caleb Hammer]

Space is good.

[Jimmy]

I do like my space.

[Caleb Hammer]

I agree. You can have space in a same house, that is.

[Jimmy]

We've also talked about that. Yeah.

[Caleb Hammer]

Well, I'm glad we talk about things. What did we come to when we talked about it? Well, have you ever talked about something and concluded.

[Jimmy]

Followed through with it? Yeah.

[Caleb Hammer]

I mean, well, according to her face, no, but yes. You go ahead and say yes.

[Jimmy]

I mean, I would like to follow through with that. I mean. So our discussion about that was if my youngest daughter ever decided to move back home to her old room that I'm currently staying in, why would she. Well, if something happened to her relationship. Turbulent relationship.

[Zoe]

Turbulent relationship.

[Jimmy]

It's a little. But if she were to ever move back home, I had discussed with Zoe that, you know, I would. Since I work from home, I would, you know, after work, go to her house, hang out, and go back to work the next day.

[Caleb Hammer]

So you're acting like you're in high school. This is so weird. And you're trying to bring a kid to this. You won't even combine finances.

[Jimmy]

Well, I know the likelihood of bringing

[Caleb Hammer]

a kid doesn't matter. It can happen. Robert De Niro has done it many times.

[Jimmy]

Well, and I'm sure he spent a lot of money to do that to become a dude.

[Caleb Hammer]

Loads, man.

[Jimmy]

Well, then he must be very.

[Caleb Hammer]

Are you the same age as Elon? Dude's busting nuts left and right, popping out kids.

[Jimmy]

Elon's older than me. I'm sure he's.

[Caleb Hammer]

Well, there you go.

[Jimmy]

He's paying something to.

[Caleb Hammer]

You just look older. And he's actively. Well, yeah, for some, but for some, he's just Busting up, first of all. I mean, you're 50. You can bust like you're fucking going crazy. It's her. It's her that we're concerned about and she's on that edge. And then other things as well. Okay, but it can still happen.

[Jimmy]

And I'm prepared for that. I mean, I would cut out.

[Caleb Hammer]

Are we. Are we prepared for this?

[Jimmy]

I'll cut out all the bullshit tomorrow.

[Caleb Hammer]

That's my point.

[Jimmy]

I would do that.

[Caleb Hammer]

If you could. Then why aren't you? Would be my question. You weren't willing to for the sake of your dad. You're not willing to for the sake of her. You weren't willing to for the sake of the last ex and the ex before that. So why the would this be different? You weren't willing to for your other kid. You weren't willing to for the other kid besides that kid. Why is all of a sudden. It is different for this? This is the man who says the good words, who promises, who does the good talk, but never does the walk. We've seen it time and time again. Every woman had seen it in a relationship. Every woman has said in a relationship it will always happen. Tomorrow never comes. Tomorrow never comes. But yet you keep doing that and her and a child might come into this situation that is completely. And I don't think you'll change anything. You're a broken record. Your pattern is relentless of never changing anything. And you're willing to promise her that, hey, if you birth out a kid that honestly, I have a note that she doesn't even want. For what it's worth. You don't even want a kid. Why do I have that note? I wouldn't have that note if there wasn't something.

[Zoe]

No, I mean, I have my boy, I have my girl. They are of the age where they can take care of themselves. So. Yes, finally. So, you know, I wasn't super. You know, I wasn't super eager of having another kid, you know, two and done kind of thing, but he, you know, really wants, you know, especially a boy. He'd be happy.

[Caleb Hammer]

There you go. You actively want.

[Jimmy]

I mean, it would be nice to carry on the family name and family. Me, right? I mean, you a little.

[Caleb Hammer]

What's your. What's your family? You're not a dynasty. Who cares? We're not in the middle evil era. What are you passing on?

[Jimmy]

I mean, my family is from that time frame. But I mean, but you know, every

[Caleb Hammer]

family's from that time frame. Welcome to the human history. Right, but like family name what legacy are you. What legacy are you trying to push on?

[Jimmy]

I think I've put pressure on myself to. To carry on the family name because it ends with me, like, if I

[Caleb Hammer]

don't have a son, and will the world. The world will be disappointed.

[Jimmy]

Sun will rise in the morning. Sure, that's. But what will we lose? I mean, to answer what you. What you were saying a couple of minutes ago, I think it's about selfishness. I mean, and maybe. Maybe a little entitlement because, I mean, to give you some context, you know, because I said earlier that my dad has always been bad with money. You know, this is going to date myself, but we owned a video store in the 80s and 90s and a

[Caleb Hammer]

good time to own one.

[Jimmy]

Well, it was. Yes, it was a boom time for videos and VHS and all that. And my dad would be the reckless spender and my mother would be the one that would put the flames out and try to make numbers meet and.

[Caleb Hammer]

Wow. So I need to impregnate a woman who doesn't want to have a kid while everything is. And I've never changed behavior once because my dad owned a video store in the 80s. What the are you saying?

[Jimmy]

But what I'm saying is, is that that patent of his reckless spending is. He hasn't changed. He's still the same.

[Caleb Hammer]

And so that means you should not change. What the Are you saying? I don't give a shit about your dad.

[Jimmy]

Well, I mean, the byproduct of what's happening right now is because of that. And I'm very grateful for.

[Caleb Hammer]

He's paying your mortgage.

[Jimmy]

I know, and I'm very grateful for that.

[Caleb Hammer]

I mean, what the f. Is he saying that.

[Jimmy]

It may not look like I'm grateful for it, but I am. But I think.

[Caleb Hammer]

No, just like, literally. What's your point?

[Zoe]

I would love. I loved being pregnant. I love babies and toddlers. I love all of that. And I think he would be a great father.

[Caleb Hammer]

You loved being. Being pregnant?

[Zoe]

Yes, I am one of those.

[Jimmy]

Some women don't, but Zoe does.

[Caleb Hammer]

What is being loving? Being pregnant, even.

[Zoe]

I just. I've felt strong and powerful and beautiful and. I don't know, it's the one time in my life I actually liked my body. You know, I don't. I don't know. It's hard to explain it. I mean, you make life until you, you know.

[Caleb Hammer]

Huh?

[Zoe]

You can feel the baby and, you know, you just.

[Jimmy]

Just caring life.

[Caleb Hammer]

Right?

[Zoe]

I mean, you're making life. That's beautiful.

[Caleb Hammer]

Oh, yeah. No, it is beautiful. I just. But we don't really hear that.

[Zoe]

I didn't have a lot of help when my babies were babies, so that's another reason why I was like two and done. But.

[Caleb Hammer]

And you think you're going to have help now? Dude doesn't fix his for what it's worth at all. And you guys only spend a week at a time together.

[Zoe]

He is super. He is, he's super hands on and, and helps.

[Caleb Hammer]

Hands on in what way?

[Jimmy]

Well, I mean I, I was getting up at 2, 3 o' clock in the morning, you know, taking care of my kids when they were little. I mean she never had that help when, when she had her kids when, you know, when they were little. So I mean.

[Caleb Hammer]

And when they're participating in sports and wanting to learn at 10 and you're 61, then what?

[Jimmy]

Yeah. Yeah. At this rate I will not make it probably to 70 if I.

[Caleb Hammer]

Very good. Yeah, that's, that's what you want to hear when you're about to birth a kid and that's when they're graduating high school. You like hearing that?

[Zoe]

No, I definitely don't like hearing that. He is, you know, along with the finances, we are both working on being healthier, eating cleaner. The last two months or stuff. We've been.

[Caleb Hammer]

Okay. That means nothing then.

[Zoe]

I know.

[Caleb Hammer]

Tell me when you've done something for six months, right? I have your most recent statements. It's all that means nothing to me. Your food spending is ridiculous. Shut the up. This is when, when you're absolutely. When you're really bad. But just because it's slightly better than being even worse doesn't mean you're really bad right now is okay. It doesn't. 500 going out to eat unknown spending 1113 guarantee a lot of that was going out to eat miscellaneous. Stopping in and getting some energy drinks, whatnot. Another 500 bucks. So now going out to eat in one house, probably about $1200. Other large purchases, we don't know. Food one month.

[Jimmy]

Jesus Christ.

[Caleb Hammer]

This was an additional 4220. Yes. It does not suggest being better financially. It does not suggest eating better. And no, that is not your dad's fault for having a video store in the 80s. That is you swiping your card, getting those points. Uh huh. Getting those points.

[Zoe]

He likes those points.

[Caleb Hammer]

Dropping down on the floor before 70, before your kid has graduated high school. If we had a new kid, which there is a chance and I know right now. You also admitted to getting to the point where you're kind of dependent on him. Financially. That's what you said. Well, you're dependent on him financially because he spoils you. You sucker him into spending money so that you can go out to eat and just further go down that hole.

[Zoe]

Well, to be fair, I getting a headshake.

[Caleb Hammer]

I'm getting an agreement. Finally, he agreed with something that was said before you guys came on.

[Zoe]

Ouch. Yeah, well, I make enough to support myself and my kids, and I was getting by without him perfectly fine. I just.

[Caleb Hammer]

Now you're dependent.

[Zoe]

It's very close.

[Caleb Hammer]

Both of them immediately change their tune when they come on the show when the point that the other one said before coming on is against them. In fact, she was the one that said, I feel dependent on him because he spoils me. And now she's on camera, changes her tune, chat never come on the show if you're like these people.

[Zoe]

Well, I mean, if we were to break up tomorrow, I would. I mean, financially, I would be okay. I make enough to support me and my family, and I did.

[Caleb Hammer]

Why did you tell Lindsay you feel dependent on him because he spoils you? Your words.

[Zoe]

Well, I mean, yeah. I mean, life certainly wouldn't be as enjoyable. Ready to transform your career in real time from where you are? Brown University's flexible online master's programs will help expand your business influence and your network in just 16 months. Choose from management, business, analytics, or organizational leadership programs that will prepare you for today's most pressing business challenges without putting your life on hold. Scholarships available. Tap to learn more without him for sure, because I can't. And I mean, I can't afford.

[Jimmy]

If everything is paid, you have, like, $5 left to your name, if that.

[Zoe]

Exactly.

[Jimmy]

And if there's one deviation from an electric bill, a water bill, I'm screwed.

[Zoe]

Yeah, you're. Yeah.

[Caleb Hammer]

That doesn't sound like you'd be able to be independent.

[Zoe]

I mean, I was. For almost two years, I was.

[Caleb Hammer]

But now you're not.

[Jimmy]

I mean, it was different because you were living in an apartment. Now you have your own house.

[Zoe]

I mean, that is true.

[Caleb Hammer]

What? How could you not bring that up in the context of you saying you're being fine? What the is wrong with you? No, that's different.

[Jimmy]

It's a lot different.

[Caleb Hammer]

What the is wrong with you? I swear, both of you just wanted to say the right thing. Oh, my goodness.

[Zoe]

I mean, the house is.

[Caleb Hammer]

You know what that means? You know what that means? You guys are actually worse than the average guest that comes on and says bad because you guys are just hiding it. Meaning you're not Willing to take accountability for one single thing in your lives when you're in the wrong. Not one thing meaning you're gonna, you guys are gonna be the average guest changes their life after this. You guys are gonna get worse. Not willing to take accountability for one thing that is happening. Not only that, the things you just said before coming on. It's disgusting. Good luck. Brand new kid. What do we think the household financial score is as a combined household today? Zero being the absolute worst. Ten being the absolute best.

[Jimmy]

I'm gonna go with four.

[Zoe]

Two.

[Caleb Hammer]

All right. If you want your Hammer Financial score, get it. Link in the description below or@caleb hammer.com just takes a few minutes. Just takes a few minutes and it is free. See where you stand in the world of money. Where you need to improve, what you need to do to improve and where you're already doing great. And if you don't want to be like the guests that end up on the show who clearly don't know their numbers, download dollar wise. Start your free trial and you'll immediately see once you connect your accounts where everything is going, you'll get incredible insights and how to change your life. Check it and out. Most people after the free trial take the annual version if they like it because it saves 50. And then you get my personal 30 day budget meal plan signed by me. This one's already signed. Sign in boxes. It is a detailed meal plan for every day of the week. Snack, drinks, all the good stuff. So you no longer have an excuse that oh, cooking's hard. Oh, I can't budget on a low budget. It's all there, it's all wonderful. And the only way to get it is by getting the annual version of Dollar Wise. I'll sign it and send it directly to you, Dollarwise.com or the app store. Let's get into these finances. City personal loan. Is this the consolidation?

[Jimmy]

That is the consolidation.

[Caleb Hammer]

This is the consolidation at a 13 interest rate. Essentially.

[Jimmy]

Man, I thought that was pretty good.

[Caleb Hammer]

I mean, why is that good? I mean I'm sure It's better than a 30 credit card, but why is that good?

[Jimmy]

Honestly, I thought it was like 9 or 10%. I didn't realize it was 13 point something.

[Caleb Hammer]

Then why when you heard it did you say well, that's pretty good? I mean if you thought it was

[Jimmy]

lower, I mean it's better than 17 or 20, right? But yeah.

[Caleb Hammer]

Oh, that makes it good if I only smoke once a day versus three. What are you talking about?

[Jimmy]

It was, it was just a payoff debt. It Was to go.

[Caleb Hammer]

It's not paying off debt.

[Jimmy]

I know. It's just, it's transference of debt. I realize that.

[Caleb Hammer]

Which, by the way, before change of behavior, which we know you did not via the statements here. With only $50,000 in retirement at 50 years old dying on the Walmart floor, the fact is you're just gonna hurt yourself. You may have been good for a month, which no, you actually haven't been. Because regardless, maybe a little better, but not good. You are gonna end up in the same exact position because it has happened every single time in the history of the show that guests have come on that have done this, or bankruptcy or credit card transfer or a debt consolidation program. They end up in a worse position because now they have that debt and then they build up their other debt. Okay, maybe you haven't built it all the way back up in one month. Month. But you will. Because you bullshit. Because you cope. Because you blame everything on your dad, even though he's paying your mortgage like a weirdo. You're about to have the expenses of a children. A child, potentially, if it happens, which it might, and there's a halfway decent chance for what it is worth. And then you consider this actually paying off debt. Just having that mindset alone suggests that it will build back up. And this doesn't terrify you to get into this doesn't terrify you in every way whatsoever.

[Jimmy]

It does consume me and it.

[Caleb Hammer]

Well, good thing I wasn't asking you. I was asking Zoe. I was looking at. But she wasn't looking at me. I don't know if she was looking for a donut somewhere, but

[Zoe]

I didn't hear the question.

[Caleb Hammer]

Oh, good. Wonderful. Okay.

[Zoe]

Us reading the notes.

[Caleb Hammer]

The smell of the bagel shop downstairs is really filling the room.

[Jimmy]

I mean, this may be difficult for you to believe, but I have changed. I mean, for example, I just, I. No, just hang on a second.

[Caleb Hammer]

Shut the up.

[Jimmy]

No, I just,

[Caleb Hammer]

I mean, but you're spending more than you make, so that's not going anywhere. I don't know what the we're talking about.

[Zoe]

About.

[Caleb Hammer]

And I would also be worried of AI. Debt.

[Jimmy]

Yeah.

[Caleb Hammer]

Or AI. I mean, I, I, I would Position. Yeah, absolutely. You're not really doing anything to get you there. A couple thousand hours and 50,000 in retirement. At 50, it's not really changing your life. And spending thousands more than you guys make on a monthly basis. I mean, and having 412,000 hours in debt.

[Jimmy]

Yeah, that ship has sailed. I think as far as 401k is concerned, okay, yeah.

[Caleb Hammer]

It's not just 401k. It's your 10 minute savings. It's being able to survive. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use, Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. If budgeting apps make you feel like this is for you. Most people who struggle with budgeting aren't irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment. They're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought I just want to know where my money's going without being judged for it? You're not alone. That's exactly why we built built dollar wise. If you want a calm and clearer way to see where your money is going, try dollar wise. Download the app today and get a three day free trial. No setup nightmare. No manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going and decide if it works for you. Click below to download dollar wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. And again, the only reason you've been able to save a couple thousand dollars is because you sold something, not because you changed behavior. The only reason you were able to save a couple thousand dollars isn't because you because your dad is paying your mortgage. If you weren't able to sell something, which, ooh, what a big man. He sold something he thought he wasn't going to sell you. You just made one adult decision in the first time in 50 years. Yeah, well, dad still pays your mortgage if you had to pay your mortgage. And now there's not another. And now you can't sell that car again. You will not be there. That's not progress. That is the same mindset as the consolidation. I do not want to shit on you for selling the car. That was good. But you viewing that as making a big change in life is a failure because the consolidation isn't selling something. Yeah. You made the decision. I'm glad you did that. But you didn't change behavior that actually cut spending and saved the money. You sold something and your dad took care of the mortgage so you don't have to put the money there instead. So I don't want to hear it.

[Zoe]

And to be fair, part of his emergency fund is it was selling the car and his income tax refund, and about 3,000 of that is insurance that

[Jimmy]

is still sitting in my bank account that I have to pay to the insurance company for my daughter's recent.

[Zoe]

Yeah, so it's not his money. Yeah, so.

[Jimmy]

So it's about 17, not. Not 20, but it.

[Caleb Hammer]

Yeah.

[Zoe]

And part of it was income tax and. And your bonus, stipends, bonuses.

[Jimmy]

Yeah.

[Zoe]

Yeah.

[Caleb Hammer]

So I just. I don't know. In the end, it's just. It's not a behavior change. It's really not. Really not. And what happens when you all of a sudden have to start paying your mortgage? I don't know. I feel like the emergency fund's going to be dipped then now.

[Jimmy]

Okay, we've talked about that. I mean, basically, the eating out is.

[Caleb Hammer]

We've talked about that, too.

[Jimmy]

Okay. The eating out is going to have.

[Caleb Hammer]

Do we get to talk about it?

[Jimmy]

Yeah.

[Caleb Hammer]

That's exciting.

[Jimmy]

The eating out is going to have to stop. Like, I mean, maybe once a week.

[Caleb Hammer]

Hey, guys. Congratulations. Chat. I don't have to push back on that because the eating out is going to stop. Never has. Is not. But it's going to. So guess what? I guess the conversation's over. He's definitely going to change that for the first time in his entire life at 50. What do you want me to do with that, man? Seriously, think about it from my perspective. Sit on my side. A guy that's never done anything right in his entire life comes here and says, I'm going to change that. We talked about it. What do you want from me? Am I going to say congratulations? Shake your hand, you're on your way? You're going to change. Everything's perfect.

[Jimmy]

Yeah.

[Caleb Hammer]

Like you, man. I will never understand that. I'm getting more and more of those answers on the show, it makes no sense. You cannot come in here with this indication of behavior and the lack of changing it, bragging about a consolidation and selling a car and then say well Caleb, it's okay because we talked about it and we will at some point in the future change it. What do you want me to do, man?

[Jimmy]

That's why I'm here. That's, that's why.

[Caleb Hammer]

Oh, that's why he's here. I need help. He's hitting them all, ladies and gentlemen.

[Jimmy]

I need help with the budget.

[Caleb Hammer]

Nothing. He has nothing. Why can't you budget? Why do you need Caleb Hammer a who's fat and eats McDonald's all the time, can't even get his own weight under control to make you a budget? How do you in life where you can't do a single thing by the time 50 that you need a 31 year old fat to make a budget for you? Huh?

[Jimmy]

I use a notepad for a monthly budget. I just, I go by what the notepad shows I pay my bills on.

[Caleb Hammer]

And how's that been working?

[Jimmy]

I'm just basically flying by the.

[Caleb Hammer]

And how's that been working?

[Jimmy]

It's, it's been, it's not.

[Caleb Hammer]

And how long have you been doing it?

[Jimmy]

It, it's not too long. Seven, eight.

[Caleb Hammer]

Okay, seven, eight years. So on. Year one didn't work but we kept doing it. Year two didn't work so we kept doing it. Year three didn't work so we kept doing IT. Year four didn't work so we kept doing It. Year five didn't work so we kept doing iT. Year six didn't work so we kept doingIt. Year seven didn't work so we kept doing it.

[Jimmy]

O At what point does the penny drop and like this is not working.

[Caleb Hammer]

Yes, that was my question actually. Maybe you might have an answer.

[Jimmy]

I mean for the last six or seven years it's basically just been paying off debt with tax refund with bonuses that I would get from work, paying down the debt as much as I could and then recharging it back up. That was the only way that I could afford to pay my bills, to pay groceries bills.

[Caleb Hammer]

You're just going in debt and replacing it with other debt eventually and then you budget on paper. Why do you need that 31 year old Caleb Hammer with no college degree or credentials to make you a budget when you have been trying a notepad for seven years and didn't realize that at least year five it wasn't working dollar wise is great. You guys get it for free forever. And that will change your budgeting habits. But guess what? Even before it came out, there were other ones. What the is wrong with you? That's why I'm here. And we're going to change it. You. You're 50. You've had children. They're all out of college now or in college. Why haven't you done a single thing? And the only answer you have is that's why I'm here and I'm gonna change it. I wanna know why. You haven't changed a single thing. And the fact that you haven't been able to give me an answer means no accountability has ever been taken. And no accountability and ever will.

[Jimmy]

Just selfish co. Oh, that. I mean, it's as simple as that.

[Caleb Hammer]

So what's the selfishness? Why? What are we trying to do? What is it? Living life. Do we. Who do we not care about? Clearly her. I don't give a. About her.

[Jimmy]

I do care about Zoe.

[Caleb Hammer]

I. Which is why you continue in your selfish behavior.

[Jimmy]

I mean, there is. There is a method to my madness. I mean, the things. The things that I.

[Caleb Hammer]

Explain it.

[Jimmy]

Yeah. The things that I buy, which is, you know, sometimes it's collectible racing helmets. I try to buy them for cheap and then, you know, keep them for 612 months and then flip them and

[Caleb Hammer]

resell them and they're going out to eat. Eat.

[Jimmy]

The going out to eat.

[Caleb Hammer]

Flipping and selling your.

[Jimmy]

I mean. Yeah, the going out to eat has been kind of crazy.

[Caleb Hammer]

That's interesting. What's the method to our madness there?

[Jimmy]

We. We like to go out to eat.

[Caleb Hammer]

Hey, no method. It's literally just you can't control your behavior to save your life. So's meal prepping. Congratulations. You get one of those.

[Jimmy]

That would be helpful. I mean, I don't mind cooking. I mean, I like. I think I'm a pretty decent cook, but I mean, maybe do it.

[Zoe]

We have started cooking more at home.

[Caleb Hammer]

Oh, good. It's. Guys, it's the same four answers. Oh, we've started doing things better for the last two weeks. Caleb, give us a high five, guys. By the time I knew I was going to come on financial audit and get yelled at, we started changing the moment we applied, like, up. That means nothing.

[Zoe]

I mean, I've always cooked at home for me and my kids.

[Jimmy]

It's sporadic.

[Zoe]

It's just on the weeks with them, with him.

[Caleb Hammer]

Oh, good. That's indicative of a great future together. When we're together all the time. Huh. So this personal loan is $13,500? Yes, with a. Oh, my minimum monthly pain of $1,200.85.

[Jimmy]

That was intentional. I knew what I was doing with that.

[Caleb Hammer]

You knew what you were doing with it? Yep. You thought the interest rate was 8% and not 13? Well, I knew what I was doing with it.

[Jimmy]

I get a half.

[Caleb Hammer]

A.

[Jimmy]

Half a percent with autopay.

[Caleb Hammer]

A half a percent?

[Jimmy]

Yeah, to like 12 something.

[Caleb Hammer]

Well, what a king. You really gotta pass on that family line. You're so smart. Half a percent. We gotta keep that gene pool around.

[Jimmy]

I mean, it's half a percent.

[Caleb Hammer]

It's not bad.

[Jimmy]

Could be worse.

[Caleb Hammer]

Could be worse. There's a cope thoughts on any of this?

[Zoe]

I advised him against the consolidation loan before he got it or against it. I don't know if I said against, but yes, I was. I was against it. I did try to tell him because, as you may have known, we do watch your show a lot and we like to say, what would Caleb say? And, you know, I was telling him before the consolidation loan that, you know, he needs to try to not spend on his cards for several months before doing the consolidation. And next thing you know, he's like, well, I did it. It's like, okay, we'll see.

[Jimmy]

In hindsight, it was a dumb move. I should have sold the vehicle back then. But a few months ago, I still wanted to keep it. And I changed my mind and recently got rid of it. But, yeah, it was. It was a bit of a bonehead move, but. 1250, I mean, it'll be paid off at the end of this year.

[Caleb Hammer]

Says who?

[Jimmy]

Says the papers. I mean, I. I intentionally did it.

[Caleb Hammer]

You make your payments. If your dad doesn't, and then all of a sudden you have to make your mortgage. Yeah, like, this is a lot of ifs and hopes and dreams.

[Jimmy]

It's not like I'm incapable.

[Caleb Hammer]

Right? Nothing absolutely happens. You'll be fine. But something always happens. You're also obese at 50. Something always happens. AI is happening. Something always happens.

[Jimmy]

Yeah, and that's. That's why I've been working on, you know, this emergency fund.

[Caleb Hammer]

I've been working on it for the last couple weeks before I knew I was coming on financial audit. Stop. Stop repeating the same over and over again. It means nothing. It means nothing. You selling a car, not changing your behavior means nothing. It means I will give you a high five for the one correct decision you made your entire life. But other than that, you did not change progress. You did not cut spending. Your dad is paying your mortgage. You are given every blessed opportunity imaginable do not give yourself a high five for saving up a couple thousand bucks, buddy. Do not. And stop trying to use it as a get out of pushback free card. Like, my goodness, what the do I do with people like you? It's impossible, man. You make this conversation impossible if you just fall back on the same bullshit that we've already established is not valid PayPal. What's going on?

[Jimmy]

Bullshit spanning.

[Caleb Hammer]

So this is you.

[Jimmy]

Oh, that. Yeah, that's me.

[Caleb Hammer]

I thought I. I thought you said, oh, don't you know, Mateo's my only God.

[Jimmy]

That. That is the one that I use basically for anything.

[Caleb Hammer]

I thought you said the consolidation was your only debt earlier.

[Jimmy]

I don't. I don't remember saying it was my only debt.

[Caleb Hammer]

Maybe I misheard that.

[Jimmy]

I mean, I think I told Lindsay it got paid down to like, maybe 1500, maybe a thousand. And it's gone back up since that

[Caleb Hammer]

conversation, so what's even the point? I have this balance. It went down since the conversation, and it went right back up to this balance now. Oh, it's even higher than it is now. See? So you're gonna. You're. And you brag about your behavior, you brag about saving a couple thousand dollars, but this one's even higher than it is now. In what world. In what world will I ever listen to you that I'm going to stop eating out? You spent $26,000 on eBay last year alone.

[Jimmy]

Yeah, I added it up kind of as a joke just to see humorous. I mean, it was birthday gifts, you know, Valentine's gifts, spanning, you know, buying stuff for myself. I mean, it.

[Zoe]

Yeah, it was a ebay before Amazon.

[Jimmy]

Yeah.

[Caleb Hammer]

Yeah.

[Zoe]

Like, anything you would normally just go to Amazon or Walmart for, he'll go to ebay.

[Jimmy]

Yeah.

[Zoe]

But, yeah, he also buys a ton of helmets, so. And that.

[Jimmy]

And again, some of them are to keep some of them to flip. And I do. I do sit on them for a little while, Matt. My problem is, is that I buy one and then it arrives and I unbox. I'm like, this looks really good. I'm gonna keep it and not sell it like I intended. That's. That's one of the issues that I have is, like, I buy it to intend it, to flip it, and I'm like, damn, that's really cool. I'm gonna put on the display.

[Caleb Hammer]

I just wish your dad bought one before you dropped as a child. So what is the balance now?

[Jimmy]

Yeah, because I think on that, it's like maybe eight. On that, it. It goes up and down on it. Es and flows.

[Caleb Hammer]

Oh, my goodness. 8,000 hours. What's the minimum monthly payment?

[Jimmy]

I think it's like 125, 140, but

[Caleb Hammer]

it wouldn't be lower. That doesn't make any sense. It's probably like 200.

[Jimmy]

Yeah, the, the interest is like a hundred dollars on that.

[Caleb Hammer]

Oh, yeah. It takes 20 years to pay off. He'll be dead.

[Jimmy]

Yeah, 20 years. Yeah.

[Caleb Hammer]

Based on his health, at least.

[Jimmy]

Don't be around him 70, maybe.

[Caleb Hammer]

Luke, just lose some weight. You'll be around for a while. You got good genes with your dad. Just lose some weight. And I got to do the same thing. I get it.

[Jimmy]

He's been smoking for 50 years and he's still a spring chick. I, I.

[Caleb Hammer]

Well, some people get those extra L. And maybe you'll get lucky with the obese thing as well. But let's just put, you know, statistics on our side.

[Jimmy]

Yeah.

[Caleb Hammer]

Like, it's not great that I'm like this at 31, but certainly can't be like it at 50.

[Jimmy]

You just can't that type 2 diabetes sucks.

[Caleb Hammer]

Okay, show me, show me the card. Bring it up. You got diabetes type 2?

[Jimmy]

Yeah, it freaking sucks.

[Caleb Hammer]

You're trying to have kid. You have diabetes type 2?

[Jimmy]

Not type 1, but, I mean, it's this shittier one, but it's still, still shitty.

[Caleb Hammer]

Yes. It's the one you can get rid of.

[Jimmy]

Do you want me to screen record?

[Caleb Hammer]

Why, why are you, like, saying type two? Like, I, I know. If it was type one, I wouldn't be criticizing you. It is type two, and you're trying to have a kid.

[Zoe]

I think he's trying to say type one. Isn't that something you can pass on to kids? Maybe. I don't know.

[Jimmy]

Type 2 can be reversible, from what I understand.

[Caleb Hammer]

Yes. And you have it, and you're trying to have a kid.

[Jimmy]

Yeah.

[Caleb Hammer]

Are we not understanding what I am saying here?

[Jimmy]

I am understanding what you're saying.

[Caleb Hammer]

Are you gonna make it to 70? I mean, how many insulin shots do you give yourself a day?

[Jimmy]

Well, you don't, you don't own insulin with type 2.

[Caleb Hammer]

Type 1?

[Jimmy]

Type 1? Type 1's insulin?

[Caleb Hammer]

Yes. Type 2, absolutely.

[Jimmy]

I just have some special medication for it to, like.

[Caleb Hammer]

Okay, okay.

[Zoe]

Yeah, yeah.

[Jimmy]

Join the screen record.

[Zoe]

He takes medicine and controls his sugar intake.

[Caleb Hammer]

You're. This is controlling your sugar intake?

[Zoe]

Sugar free?

[Jimmy]

Yeah, sugar.

[Caleb Hammer]

So it's, it's fat, then you consume fat?

[Jimmy]

Probably. I mean, I probably. I mean, I like, I like a good steak every now and again with the fat.

[Caleb Hammer]

Okay. Well, there you go. I mean, I love steak too. I get it. Shouldn't be doing it. Shouldn't be doing it. Shouldn't be doing it. Okay. I mean, we got $227 there, $214 there, $93 there, $228 there. There. 37 there, 25 there. All this. What's this? Tenso.

[Jimmy]

Oh, it's a service company where they. I buy something off of an auction site in Japan, and they're like the middleman that packages it up and sends it from the seller to the shipping place. It's very. Yeah, it's an expensive hobby. It's an expensive hobby.

[Caleb Hammer]

Yeah. So maybe don't do it. Or cut it back by 75%. Instead of a helmet a week, get a helmet a month.

[Jimmy]

Yeah. I mean, I buy, you know, three or four months on average. Yep.

[Caleb Hammer]

And that's not working.

[Jimmy]

I look.

[Caleb Hammer]

Oh.

[Jimmy]

But I look at it like. Like a nest egg. Like, I'll give you an example. I bought one from Japan, like, for 450. I could sell it tomorrow. This is not an exaggeration. For, like, two or three grand. And you probably, like, do it.

[Caleb Hammer]

I have good news. Yes. Do it.

[Jimmy]

And I. I'm sitting on it.

[Caleb Hammer]

Well, then it's not a good nest egg if you're not willing to sell it.

[Zoe]

Tell them about the one you just sold. Sold.

[Jimmy]

Oh, you want. Yeah, I just. I just sold one for 500. And now the. The. The buyer is not very happy with it, and he's wanting to.

[Zoe]

He's wanting.

[Jimmy]

Because I was gonna. Yeah, yeah. I was gonna tell you, like, I made a thousand dollars on ebay this month, but now it's only 500 because the guy's not happy with.

[Caleb Hammer]

So why do you only tell me the good thing and never the bad?

[Jimmy]

Well, I mean, it's. It's a bummer. I mean, I. I didn't see that.

[Caleb Hammer]

I didn't see that good response. Why do you tell me the good and never the bad? Oh, it's a bummer. Wonderful. You will never accept responsibility for anything.

[Jimmy]

I am capable of accepting responsibility.

[Caleb Hammer]

Oh.

[Jimmy]

When I think that I'm in the wrong.

[Caleb Hammer]

Okay. Not being able to take care of a new kid, not being able to take care of your current kid. She can't move in with you because you don't have enough space. Your dad's taking care of your entire life. You've drained hundreds of thousands of dollars from him, essentially. And the only thing you've had to brag about is that you sold something you already owned, which. Yippee. Yay. Proud of you. $50,000 in retirement. Please tell me my kids.

[Jimmy]

My kids can't rely on me. I mean, I. I joke.

[Caleb Hammer]

Not financially.

[Jimmy]

I mean, I joke with them. I mean, sometime the. I'm the bank of dad, but I mean, when I bail them out, I'm going into.

[Caleb Hammer]

Haven't you only been bailed out endlessly in your 50 years? I mean, what, that's the only reason you got.

[Jimmy]

I mean, I have had bailouts from my family in the past. Like, you know, 2010 was like $5,000.

[Caleb Hammer]

Oh, my.

[Jimmy]

20, 2017, maybe like three grand. And then dad paying the mortgage.

[Zoe]

I don't know about those.

[Caleb Hammer]

What?

[Zoe]

No.

[Caleb Hammer]

Are you serious?

[Zoe]

I only know that.

[Caleb Hammer]

Oh, my. So you've been bailed out, like, on average, like every four years. And even know just getting into this.

[Jimmy]

I mean, there's some context to that. I mean, you know, what's the con?

[Caleb Hammer]

No, I don't even care. I don't even care. All I know is you just build it honestly. And you just took out a 401k loan as well.

[Jimmy]

Yeah, that was.

[Caleb Hammer]

And I bet to him that's progress.

[Jimmy]

No, that was. That was just me feeling guilty and for the spinning in 2025. Yeah, I mean, I felt guilty about it and I got.

[Caleb Hammer]

So we borrow against our 401k, which, if we get laid off, the AI becomes due like that, which means taxes and penalties because you have to sell in order to get there. And you're also not getting the market gains, which kind of sucks, actually, because we're in a down market right now, and we really want to take advantage of those market games as much as we can, but instead you're just like, oh, I'm paying myself back with interest, and it doesn't even compete at all with market gains. Well, so that's your guilt.

[Jimmy]

It's better. It's better than the withdrawal. I mean, I have to.

[Caleb Hammer]

Punish yourself.

[Jimmy]

I mean, understand, you know, last September, I mean, I. I just went off the rails on ebay and spent like four or five grand.

[Caleb Hammer]

That's not many months ago.

[Jimmy]

Yeah, I know.

[Caleb Hammer]

And you're trying to tell me this entire conversation that we've changed and only a few months ago. So you just spend five grand on eBay. Yeah, I'll just go kill myself. What the are we doing, guys? What are we getting at Walmart when we go there? Because that's not usually, like, grocery prices in that kind of range. Because it's not spending that much.

[Jimmy]

That's probably groceries and, you know, coloring books.

[Caleb Hammer]

And coloring books.

[Jimmy]

Colors. Zoe likes to, you know, color and coloring books to relax.

[Zoe]

Get them at Walmart.

[Caleb Hammer]

Sometimes we do.

[Zoe]

I've gotten one or two books at Walmart. Usually it's on Amazon.

[Caleb Hammer]

I am judging you a little, but I'm trying not to. You do what's fun.

[Zoe]

I like the color. It's calming. It's relaxing. I like the color by numbers.

[Caleb Hammer]

No, no, no. I'm trying to. I'm accepting it.

[Zoe]

Is that PayPal at Walmart? I guess that would be normal.

[Jimmy]

Yeah. I mean, sometimes I do the PayPal at Walmart just to.

[Caleb Hammer]

Oh, Guadalajara. Everyone's favorite destination. Mexican grill.

[Jimmy]

You must see that a lot.

[Caleb Hammer]

50 bucks.

[Jimmy]

Yeah, it's a great Mexican food.

[Zoe]

That's our favorite restaurant.

[Jimmy]

Yeah.

[Caleb Hammer]

Oh, and it's so good for you guys. Clearly. I mean, Mexicans are like the fattest people on earth, so I think it's the most obese country. I think. Right? That might be. I. I think so.

[Jimmy]

But they're pretty awesome.

[Caleb Hammer]

Well, yeah, but you keep eating their food, you're gonna look like the most obese country.

[Jimmy]

Yeah, we go there.

[Caleb Hammer]

At least it tastes good for a reason.

[Jimmy]

Yeah, we go there at least once. At least once a week.

[Caleb Hammer]

Oh, that's good. That's our cutting back, ladies and gentlemen.

[Zoe]

Every other week.

[Caleb Hammer]

Oh, shut the. If you can't. No, I don't even believe it.

[Zoe]

You.

[Caleb Hammer]

Subway. There's the. We're getting healthy.

[Jimmy]

Subway.

[Caleb Hammer]

Eat fresh and go for the same age gap as Jared. Dairy Queen F1.com streaming service Waffle House. $60 a Waffle House. Waffle House is cheap. What do you have to eat to consume 60 bucks at Waffle House?

[Zoe]

That must have been when we went out with the kids.

[Jimmy]

Yeah, probably.

[Caleb Hammer]

Okay. Yeah, actually, with the kids. Okay. But even still, it's the money we don't have. Okay, this is $4 from Walmart. That's not groceries. You get your zero calorie energy drinks. Right?

[Jimmy]

Yeah.

[Caleb Hammer]

Well, there you go. Okay, no longer, you little friend. You are not going to interrupt my pitch. Thank you. Are using gamer subs from now on. Gamersups. Delicious. This right here is 40 cents a serving. So this is what the pack looks like with gamers ups, but you guys can actually get free samples using my link in the description below and typing in code. Code Caleb. So this is absolutely delicious. It's caffeinated. It's an energy drink. It's wonderful. You shake it up. It's delicious. You make it the strength you want. It's awesome. There's also the hydration versions. If you don't want caffeine. Check it out. 40 cents a serving. Make your energy drinks at home like you make your coffee at home. Get your free samples to figure out what flavor you like. Gamerstops GT Link in the description below. Code Caleb. Okay, now you can interrupt me.

[Zoe]

Oh, I was just gonna say, as far as I know, you don't really go anywhere in like. Like buy energy drinks. Not like, just one off.

[Caleb Hammer]

You get the packs?

[Jimmy]

Yeah, I'm looking.

[Caleb Hammer]

Well, then who knows what we got there? But no, seriously, do it.

[Jimmy]

Any chance to save some money.

[Caleb Hammer]

Oh, you can. You can. You can try it right now.

[Zoe]

Yeah, I would like a bottle of water.

[Caleb Hammer]

Oh, all right. She's thirsty, too.

[Zoe]

I've been meaning to ask for some water.

[Caleb Hammer]

Okay. Here. Yeah. All right, let me make it. Well, while I keep going through this here, take a. Take a big swig of this to give us some room. Senior Tequila. That's what we need. Our health is already so good. Guadalajara. Mexican Again. Water Burger.

[Jimmy]

We like Mexican.

[Caleb Hammer]

Okay. Copper penny. Copper petty. McAllisters Landing Flea Market. Waffle House Again. It's the same places over and over again. Sending money. 1,233 spending.

[Jimmy]

Oh, that was.

[Caleb Hammer]

I'd put a full scoop in there and just start with that with a good ch.

[Jimmy]

That was. That was a mistake.

[Caleb Hammer]

Oh, that was a mistake.

[Jimmy]

I commissioned somebody to paint something for me. And, yeah, it. The tariffs kicked my ass. I mean.

[Caleb Hammer]

Oh, you. The tariffs? No, I mean, just like, don't do it.

[Jimmy]

It was like $100 to ship it there.

[Caleb Hammer]

I had to pay. Also, when the. The tariffs were struck unconstitutional recently, you're

[Jimmy]

still having to pay for them right now. I spent $500. I'd give it a. I spent $500 in tariffs a couple of days ago with some recent purchases from Japan. $500 in tariffs and shipping, but the majority of it was tariffs.

[Caleb Hammer]

Okay.

[Jimmy]

It's ridiculous.

[Caleb Hammer]

See, if it's strong enough, you might need to do an extra scoop. It's up to you for what flavor you like. I also don't even know what flavor that is. They have like, a thousand.

[Zoe]

Yeah, probably another scoop.

[Caleb Hammer]

Scoop it up.

[Jimmy]

Let's go.

[Caleb Hammer]

Okay.

[Jimmy]

Yeah, I commissioned somebody to. To paint something for me, and it just.

[Caleb Hammer]

All this while your dad is taking care of your mortgage. Mind you, you.

[Jimmy]

Yeah, I'm well aware of that. That's. That's. That's why I got the dick consolidation loan.

[Caleb Hammer]

Oh, that's going to be strong.

[Zoe]

You did the whole thing.

[Caleb Hammer]

You're about to.

[Zoe]

You only did like half, right?

[Caleb Hammer]

Half. That thing is going to like.

[Zoe]

Where'd the lid go?

[Caleb Hammer]

Interest accruing like crazy. At least no late pants.

[Zoe]

It's about that paperclip way down there.

[Jimmy]

All right, all right.

[Caleb Hammer]

What are we talking about?

[Zoe]

The lid fill.

[Caleb Hammer]

Okay, so what is this of savings plan? Oh, Is this your 401k loan?

[Jimmy]

Yes.

[Caleb Hammer]

Okay. And you're ready to return. You're paying yourself back, but you better not give. So this goes again. Okay. What is this $50,000 of retirement anyway? This is like 37, 38. And then you're borrowing anyway.

[Jimmy]

Okay, I checked it a couple days ago. The market's gone up. The stock for my company went up like.

[Caleb Hammer]

Well, that's good. But for the purse, for the 10,000 you're borrowing against it, you're not reaping that reward word.

[Jimmy]

I mean, I'm probably going to regret asking this. What should it be at my age, like my 401k. Like 200, 300 grand. 400 grand.

[Caleb Hammer]

What's your annual income?

[Jimmy]

Probably. I mean before, after taxes. Before, before, probably like 83.

[Caleb Hammer]

Oh, dude, I know. I like this number. Did you try it?

[Jimmy]

I know, not yet. I've tried it before. We got. The sample pack is awesome.

[Caleb Hammer]

Oh, did you want to try this? Yeah, sure. True. I mean I think at minimum, if I'm not mistaken, it's supposed, it's. It's supposed to be somewhere around like $581,000. Boy, for your income. Yeah, probably.

[Jimmy]

I'm cooked.

[Caleb Hammer]

Yes. Change your behavior. You're not doing that. Including. What is this St. Steeple

[Zoe]

apartment chase my apartment 3.

[Caleb Hammer]

3. Why do you owe $3048

[Zoe]

for breaking the lease?

[Caleb Hammer]

Why? For why Starbucks is and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste in our Hammer elite show Fat and Fatter. The number one ranked energy drink is gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code. Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar wise budgeting app. And let's listen. I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt dollar wise. And it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33% discount for three months. Or take the annual plan for an insane 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a live chance time download Dollar Wise and start your free trial. Go to Dollarwise.com or click those links below.

[Zoe]

So my lease was up in December and I started looking at houses in August or September.

[Caleb Hammer]

And reasonable time to start looking. That's not bad, right?

[Zoe]

And we closed on the house November 1st, when my lease was up December 1st. And the way I was explained pay the last month. I know, that's what I'm saying. So the way I was explained is, you know, the breaking the lease amount was equal to one month's rent. So I was like, okay, so I could either pay November's rent or I could pay the exact same amount for breaking the lease. So I moved out November 1st thinking I would just pay that month's rent.

[Caleb Hammer]

Is that what they agreed upon in writing?

[Zoe]

That's the way I understood the contract.

[Caleb Hammer]

What I should say your understanding? Who gives a about your understanding? Did you ask them?

[Zoe]

They just told me that the last month goodness rent would be due.

[Caleb Hammer]

Oh, okay.

[Jimmy]

And then did you ask them? Did, did, did they. Did they say yes or no?

[Caleb Hammer]

No, she did not. Why would you just assume things?

[Zoe]

I mean, I thought they did tell me that.

[Caleb Hammer]

You thought they did tell you that? Dude, this was a couple months ago. You thought they did tell you that.

[Zoe]

They just told me that that last month would be. That I would owe it. And so I just thought it was that or that.

[Caleb Hammer]

And I paid $3,048.

[Jimmy]

She doesn't have it. Simple. She doesn't have it.

[Zoe]

Well, for one thing, I don't have it, but also that's not the full expenditure. They also are trying to charge me like $600 in damages.

[Jimmy]

Yeah.

[Caleb Hammer]

Did you take pictures and everything before you left and before you started?

[Jimmy]

We didn't think about doing that. We just.

[Caleb Hammer]

Oh, my gosh. Have you guys ever lived somewhere?

[Jimmy]

I mean, it's been a while since I was the first time I've ever

[Zoe]

lived in an apartment that was.

[Jimmy]

I mean, we just cleaned it really good. We did like a deep clean. There were like some pinholes.

[Caleb Hammer]

Before you move in, you take pictures. And when you move out, you take pictures.

[Zoe]

That's the first apartment I'd ever lived in. I've always owned a home.

[Caleb Hammer]

I won't ever give you that advice. Like, listen, I don't even come from, like, good advice. And at least I knew that.

[Zoe]

I don't have any family. I don't have relatives.

[Caleb Hammer]

So what's your plan here? You just. And it goes away.

[Zoe]

So they were charging me all these damages and they gave me a checklist of before I moved out. I gave them lots of notice that I was moving out. They gave me a checklist. This is what we're going to look at. And this is what we're going to charge you if there's damages. And then after I moved out, they sent me this invoice for like $600. Yeah.

[Caleb Hammer]

Don't get me wrong, they're shitty. That's why you have to do the due diligence.

[Zoe]

Well, then I asked, I was like, well, can I get a breakdown? What exactly are you charging me for? And they sent me the same, same list, but I compared it to the one they gave me a month prior and everything had doubled. Everything okay. Like if they were charging $30 for this day. I asked them, you don't have any proof.

[Caleb Hammer]

You have nothing to do, so just pay it. Well, I mean, I'm sorry.

[Zoe]

I have the one they gave me that said this is how much the damages cost.

[Caleb Hammer]

You go to a lawyer?

[Zoe]

I don't know yet. I'm dealing with other legal things.

[Caleb Hammer]

I mean, trust me, I'm on your side, but it's like, I also don't want you to get even more hurt by having this. You're credit.

[Zoe]

I know. And. And I have been considering going, okay,

[Caleb Hammer]

this looks like a mortgage. Who owes $147,793.96.

[Zoe]

So that is so much chase. That is the mortgage with my ex husband. Yes.

[Caleb Hammer]

Are you on this?

[Zoe]

Yes, he.

[Caleb Hammer]

With Your ex.

[Zoe]

He will not remove me.

[Caleb Hammer]

Why? How long have you guys been.

[Zoe]

Almost two years. We've been divorced.

[Caleb Hammer]

What? In court right now.

[Zoe]

It is in court right now.

[Caleb Hammer]

And.

[Zoe]

And so far, nothing. We. He was.

[Caleb Hammer]

Who pays?

[Zoe]

He pays for it as of right now. Hopefully he doesn't miss anything. Yes. But. Yeah, it's been almost two years.

[Caleb Hammer]

Well, how are we.

[Zoe]

He has not done anything to get my name off of it.

[Caleb Hammer]

Well, yeah, I mean, he kind of wants to. You over. Which again, I'm on your side, but what are things looking like?

[Zoe]

So he was supposed to go before a judge at the end of January to tell him why he should not be held in contempt of court for not doing his stuff. And because of that big snow and I that came through at the end of January, it got delayed. They said we're going to postpone it. And so far, there's been no date set.

[Caleb Hammer]

But you guys want to buy this house anyway? I'm being told. So for an investment pro. Do you guys think you're getting into landlording? Buddy, you just got one. You don't even know what happens.

[Zoe]

So, Jim. Yeah. Jimmy has. I mean, Jimmy.

[Caleb Hammer]

50,000 hours in retirement. Yeah. Let's hear how you should be a landlord and get into that game.

[Jimmy]

I mean, I. If it came to it, I would. You know, I'd be. I'd be open for an investment property, and that would be.

[Caleb Hammer]

You guys are going to get. So.

[Zoe]

So we just.

[Caleb Hammer]

It's so much more expensive and less. It's just like, what. And how. Also, how are you buying. What more money are we buying this with?

[Jimmy]

I mean, believe it or not, my credit score is like 830 right now, so.

[Caleb Hammer]

Leverage. Yeah.

[Zoe]

And, you know, we. We were just kind of toying with the idea that if he can't get my name off the mortgage any other way. Thank you. Then I'll just buy out.

[Caleb Hammer]

Okay. Does he want you to. No.

[Zoe]

Oh, no, he doesn't. My ex.

[Caleb Hammer]

Oh. Then what the Are we doing? How is that our plan? If he's not going to sell? He would still want us and need to want to sell.

[Zoe]

The court would force him to sell the house if he can't get my name off the mortgage any other way.

[Jimmy]

Because he has.

[Caleb Hammer]

The court said that. Is that what we're trying to fight for?

[Zoe]

That's what my lawyer has said would be the end result, potentially.

[Caleb Hammer]

If they win. If you win, yes.

[Zoe]

Yeah. If he. If he won't assume the mortgage. If he can't read finances.

[Caleb Hammer]

Okay, who has a Ford Edge?

[Zoe]

Me.

[Caleb Hammer]

All right, Zoe, what's the interest on your Ford Edge 17 are we doing here?

[Jimmy]

I know.

[Zoe]

Yeah, you know. Well, I.

[Caleb Hammer]

And why are we still spending money instead of paying this off if we know that's even worse than ignorance. I'd rather you be ignorant.

[Jimmy]

I'm even gonna say it.

[Caleb Hammer]

Huh?

[Jimmy]

I'm not even gonna say it.

[Caleb Hammer]

Say it.

[Jimmy]

We've talked about it.

[Caleb Hammer]

Oh, and where have those conversations led to?

[Zoe]

Well, so I was actually gonna ask your opinion on some of it.

[Caleb Hammer]

Good. Pay it off.

[Zoe]

Well, yeah, I don't have the money.

[Caleb Hammer]

Well, you would have more money if you didn't spend thousands on bullshit.

[Jimmy]

I was looking at getting like a.

[Caleb Hammer]

You don't spend anything. When we look at your accounts, I'm gonna see no spending. This is worth $8,000. It's worth $8,000.

[Jimmy]

Okay, so we have a game plan, because I've. I've bought a couple of vehicles for my kids over the last, you know, four or five years, and I've financed them through a local bank. The interest rate is like six and a half, maybe 7%. If, you know, you give them the VIN, you talk up like, the features and everything, they're like, oh, okay, you know, we'll give you like eight or nine grand loan, and then we're wanting to use that money and, you know, obviously, if it was what the balance was on the vehicle, pay it off and then have a lower interest rate because that'll get it from 17 that she's paying now down to six or seven. And I know it's six or seven because that's what I've done with previous loans with my credit score.

[Caleb Hammer]

Are they booing me? Nah. No, they're saying boo earns.

[Jimmy]

Okay, well, you don't think that's a good idea?

[Caleb Hammer]

Potentially. I mean, I feel like what happens with what you just did with your personal loan? You let your foot off the gas because you thought you made progress. And this is going to be another example of it. Technically, mathematically, sure. But I feel like this is going to prevent us from pushing hard and we're going to continue our bullshit funding. What is this? $40,000? 6. 40. $682.13. Interest rate of only 4%.

[Zoe]

That is the solar panels on my ex husband's house. And again, he hasn't taken my name off of it. And it is solar panels.

[Caleb Hammer]

Is. I. I don't even know if. Do you have the legal fight on this one? I don't even know.

[Zoe]

Yeah, it's in our. It's in Our divorce decree that he's supposed to remove my name from it.

[Caleb Hammer]

Oh. If it's in the decree, then there you go. Okay.

[Zoe]

Yeah. He's supposed to remove my name from the.

[Caleb Hammer]

From 227.88 on a monthly basis. But let me mark these as an X because he is paying those pretty tight interest rates. Not bad, though. Okay. Another mortgage. Is. Are we. Is this finally yours?

[Zoe]

That's my mortgage on my new house.

[Caleb Hammer]

What are you doing? You have. Okay.

[Zoe]

That's my new. Yeah, I've had lots of houses in the last few years.

[Caleb Hammer]

That's great. When we can't afford our bills. Okay. $178, $328.96 with a minimum monthly payment of $1,360.56. Okay. Yeah. I mean, it's below 6%. Minimum payment's chunky for your income. It's already half. I don't know how the. Well, yeah, they'll overqualify you.

[Zoe]

K Pop Demon Hunters, Haja Boy's Breakfast Meal and Hunt Tricks meal have just dropped at McDonald's. They're calling this a battle for the fans. What do you say to that, Rumi? It's not a battle. So glad the Saja boys could take breakfast and give our meal the rest of the day.

[Caleb Hammer]

It is an honor to share. No, it's our honor. It is our larger honor.

[Zoe]

No, really, stop. You can really feel the respect in this battle. Pick a meal to pick a side

[Caleb Hammer]

and participate in McDonald's while supplies last like crazy. But this is insane.

[Zoe]

Yes. All of your mortgage or so the mortgage rate. So of course they throw on the. The extra taxes and the.

[Caleb Hammer]

It doesn't matter. You agree to this minimum payment or right around it and it's 50 of your income. This is horrible. This is a horrible decision. As a mother.

[Zoe]

Right. What I was gonna say is before they threw on the. The home insurance.

[Caleb Hammer]

What do you mean? You would know the minimum with the payment. They project it to you. Also, this is not your first house. I'm saying you do not get to play. I'm such a ditzy little.

[Zoe]

You're same as what I was paying at the apartment. As what I was getting at before they threw on the home insurance.

[Caleb Hammer]

No, that there are home insurances, you moron. This is your second house.

[Zoe]

And what my lender told me my home insurance rate was going to be was half of what it actually ended.

[Caleb Hammer]

Still okay. All the okay, escrow and everything thing. That's taxes and insurance and the insurance of that is probably like $150. So half was 75. So it went from 75 to 150. That extra $75 did not make or break the fact that this is 50% of your income. So don't me. These are the champions. I have never been more than these two people. Oh my. You have barely any equity.

[Zoe]

Why? Child support.

[Caleb Hammer]

7%.

[Zoe]

You haven't thrown that into the.

[Caleb Hammer]

Well, you didn't tell me that with your income, so why would I guy.

[Zoe]

Well, you didn't ask. You asked what my income was and

[Caleb Hammer]

then you could have. But I also get child support. That's what everyone else does in the history of the show that you watch. So what's your child support?

[Zoe]

They always throw it in later.

[Caleb Hammer]

What's your child support? I think I know my own show. What is your child support?

[Zoe]

It's $198 every two weeks.

[Caleb Hammer]

Wow. That really makes this mortgage affordable. 198 every two. Wow. Millionaire status logged in. Okay.

[Zoe]

It's also about the cheapest house I could get in my town.

[Caleb Hammer]

That's not necessarily a good thing.

[Zoe]

I know.

[Caleb Hammer]

Also, you don't need to own like, why do you feel like you had to. You owe 216, 625. No, that was the original. Where is it now?

[Jimmy]

Should be like 190 something.

[Caleb Hammer]

Okay. 190.

[Zoe]

193. 16 day too.

[Caleb Hammer]

And he's making all payments currently?

[Jimmy]

Yes.

[Caleb Hammer]

So ridiculous.

[Jimmy]

Look, when he. When he came to live to America, he's like, I'm going to make your life better. And I'm like, well, you know what? I'm going to make my life better.

[Zoe]

Me.

[Caleb Hammer]

What are. Sugar daddy.

[Jimmy]

I know. Well, what a coat.

[Caleb Hammer]

Just like make your own life better. Well, he's paying for this. You're just not. So I don't understand. Okay. With 1,816 on a monthly basis.

[Zoe]

This.

[Jimmy]

Yeah.

[Caleb Hammer]

And you do have equity in this house and he's paying for it.

[Jimmy]

About 140, I'd say, in equity.

[Caleb Hammer]

Okay. Best Buy. Who owes $600 on Best Buy interest free?

[Jimmy]

Currently, that's me. Bought a. A dryer, new dryer. The other one almost caught fire.

[Caleb Hammer]

What do you mean almost caught fire?

[Jimmy]

Yeah.

[Caleb Hammer]

Three years to pay off, no interest until. A long story about how a dryer almost caught fire.

[Jimmy]

So my washing machine wasn't spin drying clothes properly and wet towels would go in the dryer and lint buildup and. And yada yada, yada. 5.

[Caleb Hammer]

You take the lint out?

[Jimmy]

Well, yeah, but it was like collecting at the back where you couldn't really get to it.

[Caleb Hammer]

Okay. Deferred interest is accruing. It needs to be paid off. 2027. Five. 2027. Okay. Who has capital one? Quicksilver.

[Jimmy]

That's me.

[Caleb Hammer]

Okay, listen. Paid off every month, so I'm not going to freak out about this one, but there is still spending, and the spending is spending regardless. That spending could be going to other things. 280 set, $48 and 173 to Walmart heart.

[Jimmy]

That could have been one. One of the times that I, you know, bought the groceries that month.

[Caleb Hammer]

And this one's paid off every month, too, so I'm not freaking out about up a saver card. It's still spending, though. Amazon, Amazon, Zax fees. Amazon.

[Zoe]

That's your daughter's.

[Jimmy]

Yeah. Okay. Yeah, yeah. So I got a credit card for my youngest daughter to help build up a credit score. And I charge it up every month.

[Caleb Hammer]

And then pay you.

[Jimmy]

Well, I mean, I talk to her, of course, and you know, she's like,

[Caleb Hammer]

yes, but you, the guy that. What happens when your dad all of a sudden again isn't making a payment? You're gonna.

[Jimmy]

Your kid, she's 21 and she's got a 744 credit score. That's not. That's not too shabby.

[Caleb Hammer]

Now, you are on this until you. It look what you've done your entire life. It's a cycle of unfuck. Right?

[Jimmy]

I mean, I never really thought of

[Caleb Hammer]

it like that, but you've.

[Zoe]

No, technically, I have that card in case of emergencies.

[Jimmy]

Yeah, so she's currently.

[Caleb Hammer]

Oh, great. It's already getting messy. What are we doing, guys? You're going to destroy. You're so stupid. I'll let you use the mine card. It's a debit card that builds credit. Used to be called the FIZ card. It's the mine card now.

[Jimmy]

My God.

[Caleb Hammer]

Now. And I also get you a course career certification so you can use it, get into a career path like many people in the audience have with course careers and improve your income system situation dramatically. Okay. This card's also paid off an entity online.

[Zoe]

Is that the Rice Car stuff?

[Caleb Hammer]

Okay, who has a balance of $217 in this checking account, of which I can't even see the name of what bank it is. No, this is a balance due. What is this? Someone tell me what this is.

[Zoe]

Oh, this is my lawyer stuff.

[Caleb Hammer]

Okay, you owe 210.

[Zoe]

No, I'm owe like 1100 actually. Now, do you have a minimum payment as of yet? No, they send me an invoice every month. But I already told them or asked them if I could wait until after the court stopped stuff.

[Caleb Hammer]

Because if what are you going to get? A sum of money.

[Zoe]

Well, if we win, then he has to pay all of the legal fees.

[Caleb Hammer]

Okay.

[Zoe]

His and mine. But of course, if I lose, I have to pay all of mine and his.

[Jimmy]

There's a lot riding on this.

[Caleb Hammer]

I'm going to assume this one's you.

[Jimmy]

Yep, that's me.

[Caleb Hammer]

Okay. Yes, the balance has gone off. That's good. But it rotates like crazy, so I'm not going to count it for much, but $100. PayPal, Best Buy, Amazon. PayPal Z Zell PayPal Z. Where are all the zells going?

[Jimmy]

Probably maybe to Zoe and my kids. Sometimes I bail them out.

[Caleb Hammer]

Thousand hours in this. Who's this? Who's.

[Zoe]

That's mine.

[Caleb Hammer]

Okay. The person who doesn't spend money. Family dollar. Stopping in getting some bullshit donuts. Amazon, Amazon Ring. Basic plan. Bullshit, bullshit, bullshit. Zelle Audible. Go to the library. Roblox. Roblox for the kid. I get it. You can't afford it and stop. He's getting pedophile.

[Zoe]

No, he gave me his birth he holiday cash and so I spended it electronically and he gives me the cash for it.

[Caleb Hammer]

Zaxby's, Amazon, Zelle, kfc. Maybe my perfect resume. Okay. And maybe okay at Walmart.

[Zoe]

Walmart.

[Caleb Hammer]

And then your retirement's at $123 killing it and almost 40. It's also absolutely horrible.

[Zoe]

Yeah.

[Caleb Hammer]

Walmart's guys. This is like again, I think it's just endless cope saying the right thing. I don't necessarily believe that things are going to change after this, but I will make a budget and I hope you guys are able to communicate and I hope that a kid isn't around in this world and that's sad to

[Zoe]

say, but the 401k stuff is also part of the legal issue. The whole time we were married, my ex didn't want me putting money into my retirement because he just put money into his retirement and he would be there to support me.

[Caleb Hammer]

What would you get?

[Zoe]

Because he took out a 401k loan to buy this house. House that my name is still on. It would only be about 7 or 8,000.

[Caleb Hammer]

Well, at least you can put that towards retirement or pay off some debt. Okay. Mortgage, $1,816.40. You do pay for that on your own, correct? No.

[Zoe]

1360. I pay. Yeah.

[Caleb Hammer]

1360.

[Zoe]

Yes. Yeah.

[Caleb Hammer]

Loans on top of that. $1,756.85. The ones that you guys take care of. City card being the big one. Chunky one for sure. Plus your car. Okay, both of you separate. But gas, electric, Internet, utilities. All together, please, for each of you.

[Jimmy]

Mine is 350 for electric.

[Caleb Hammer]

Just electric.

[Jimmy]

Gas is. Well, in the summer it's like 40. In the winter it's like 200. So, you know.

[Caleb Hammer]

Okay, I'll put it 100.

[Zoe]

I don't know, maybe 250 all together for me.

[Caleb Hammer]

What about Internet?

[Jimmy]

I gotta stipulate pin. So mine is about 100 out of pocket.

[Zoe]

30.

[Jimmy]

What, the Xfinity? Yeah. Yeah.

[Caleb Hammer]

Okay, so utilities, 850. Okay. Phone bills, 280.

[Jimmy]

Well, Zoe pays me 80amonth. And my bill is like 284 with employee discount, so. But it's 284 for.

[Caleb Hammer]

Okay, 284. I would switch to helium if T mobile is good in your area. Fifteen bucks a line. Very good. Good. Same service. Vroom, vroom. Drive, Drive. Gasoline. How much?

[Zoe]

Well, gas just went up, so I think I do about $45 every 10 days. So

[Jimmy]

nine. So what, 120?

[Caleb Hammer]

130 or so? 145.

[Jimmy]

And I'm about 90amonth.

[Caleb Hammer]

Yeah. Okay. Car insurances.

[Jimmy]

Mine's like 500.

[Zoe]

Mine's 190.

[Jimmy]

I've got like six vehicles on it, though.

[Caleb Hammer]

Okay. Sell them an adult. $690 TP fund. Anything else for you and your kids to survive. It's difficult in your guys situation, But I think 350 should be good food. Okay. One lives at home still. Two lives at home.

[Zoe]

Okay, well, he doesn't pay for his daughter's stuff.

[Jimmy]

She buys her own things.

[Caleb Hammer]

The one who lives at home, not even groceries.

[Jimmy]

She. She gets her own groceries. And like, do not touch.

[Caleb Hammer]

I'm like, okay, okay, then you should be able to do.

[Zoe]

I only spend 130 every 900.

[Caleb Hammer]

Yeah. You go out to eat like none other. Subscriptions will try to do.

[Zoe]

All meant for me.

[Caleb Hammer]

$75.

[Jimmy]

Pet.

[Caleb Hammer]

Do we have any pets?

[Zoe]

I have a cat.

[Jimmy]

Two dogs.

[Caleb Hammer]

Age is health.

[Jimmy]

One's 15, one's five.

[Caleb Hammer]

Five year old will do pet insurance.

[Zoe]

My cat's about five.

[Caleb Hammer]

Okay, 100 for pet insurance, pet food. How much?

[Jimmy]

60. 60 for me.

[Zoe]

I'm just doing math. I'd say like 50amonth for food and litter.

[Caleb Hammer]

100 bucks. Anything else that needs to be in this budget that I have not put in yet?

[Zoe]

I mean, with your cars and phones and stuff. Are you putting in that your daughters give you money?

[Caleb Hammer]

Oh, yeah, but we'll put that into the income.

[Jimmy]

How much?

[Caleb Hammer]

I mean, well, how much?

[Jimmy]

One gives me. Shoot. One gives me 82, 87 and the other gives me like 400, so.

[Caleb Hammer]

Oh, look, that's a negligible. Well, one is not really. Okay, well, it has. Well, we're not even.

[Zoe]

And the 80 I give you for the fun.

[Caleb Hammer]

6700. Well, that doesn't matter.

[Zoe]

Hard is my ex too, so.

[Caleb Hammer]

Oh, $6,701. And then how much comes in from them again for the j. From his kids?

[Jimmy]

Yeah, 487. So what? 487.

[Caleb Hammer]

Okay, so $6,883. And without that. Because it is not negligible. You guys would have been without it actually underwater. But you have an extra $181.59. Woohoo. You need to get a better job. We need to cut spending.

[Zoe]

I've been trying.

[Caleb Hammer]

Well, this is the reality of the situation. You will break even for a while. I try to consolidate by selling a house, moving in together, get this thing, get the show on the road. That cuts our expenses dramatically. But what. Yeah, when you're. Again, like I said, the moment your dad takes over your mortgage, this is gone. You have an extra 181.

[Jimmy]

So even on basic necessities, 1800 then, right? I'm gonna be negative 1800.

[Caleb Hammer]

Yes. Yeah.

[Jimmy]

See, yeah, this is where like everything has to change. Yeah.

[Caleb Hammer]

Yes, everything has to change. That's what I'm saying. It's gonna take years to wrap the debt obviously like this, but this just can't be how it is. Is you guys need to actually consolidate, try to get bills under one thing so that we can bring payments down, get rid of your cars, cut this car insurance thing. That's going to save a lot of money too. Meal plan, meal budgeting, not going out to eat with that. You can actually bring this probably up to an extra $500 a month and we can actually make progress and pay off debt in a few years and get to a fully funded emergency fund, which is critical in retirement. We just. We're going to have to really be pushing like 40% towards retirement. Retirement on a monthly basis after we have a fully funded emergency fund, including you, because you're dramatically behind. Oh, what?

[Zoe]

No, I was just gonna ask your opinion on, you know, I just got my income tax refund, which isn't a huge amount. Well, that's what I was gonna ask. Should I put it towards retirement or should I put it towards the car?

[Caleb Hammer]

Yeah, that, that. All right, guys, there's something we haven't been able to talk about. He. He wanted to only talk about in the post show. It's crazy. We're gonna talk about it in the post show show. Yeah. Get ready. Join Hammer. Late to see that, but let's get the hammer financial score first. Spending in a budget. You overspent. 0 out of 10. This is for the household debt. Well apartment collection. 0 out of 10 emergency fund.

[Zoe]

Technically it's not in collections yet. I should say nothing's in collections.

[Caleb Hammer]

Okay. That for your income. It's basically as bad as it gets. 101 out of 10 emergency fund two amount no yeah. 210 retirement very behind three out of 10 real estate. You have an equity position. Yours is weird and then complications with X. It's going to bring it down a little bit. But I'll give you a 6 out of 10 there. So Hammer Financial score. Round it up. 2.5 out of 10. See you in the post show. Join Hammer Elite. Get your Hammer Financial Score Caleb hammer.com Click the join button now. Join us for the post show. What could you not say in the

[Jimmy]

main show every now and again I would like, you know, because I've got his account linked up to. Linked up to one of my bills. So I was like, just like you're

[Caleb Hammer]

taking money from him without him knowing.

[Jimmy]

It's maybe like a month.

[Caleb Hammer]

Oh well, he's paying your mortgage.

[Jimmy]

I know.

[Caleb Hammer]

You're taking money from him without him knowing. Literally pulling from his account. What the. This is the final day. Don't forget to download the new dollar wise budgeting app. This is official actually now the best budgeting app on the market and I'm giving you a special deal to download but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. And with the annual you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mail directly to you. After March 31st the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise. To start your free trial go to Dollarwise.com or click the link below.