The Most Insane Debt I've Ever Seen | Financial Audit

Summary

Financial Audit Podcast - Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Episode: The Most Insane Debt I've Ever Seen | Financial Audit
Date: September 26, 2025

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Overview

In this episode, Caleb Hammer sits down with Cassie and Andre, a married couple from Oklahoma, to dissect and discuss their deeply troubled financial situation. Facing the imminent arrival of a new baby and managing multiple streams of debt, their household has accrued a staggering amount of “bad debt” through a combination of unsecured loans, consumer purchases, and poor financial choices. The episode is a raw, sometimes contentious, and often bewildering exploration of dysfunctional money management, addictive spending habits, and the consequences of ignoring the basics of personal finance.

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Key Discussion Points & Insights

1. Income & Household Finances

• Cassie (29): Works at a child development center, making $22/hr for 35 hours/week. Monthly net: ~$2,000.
• Andre (33): Maintenance engineer, $22.81/hr, 40 hours/week. Monthly net: ~$2,600.
• Rental Income: Roommates pay $900/mo covering part of the mortgage/utilities.
• Total Monthly Income: ~$4,600 (excluding occasional CashApp/eBay transactions).

2. Perpetual Financial Struggle

• The couple exists paycheck-to-paycheck, with no emergency fund despite a median household income for their area (Oklahoma).
• Cassie explains: “We’re fine until we’re not.” [03:15]
• Andre notes a lack of wiggle room: “All of our monthlies get paid, but there’s no wiggle room past that. No emergency fund.” [03:18]

3. Communication & Money Roles

• Historically poor communication about finances; only recently did they merge finances into a joint account.
• Andre: “She says she wants a thing, and I make it happen... I didn’t have an issue with it until now because we’re expecting a baby.” [05:28]
• Cassie admits to a lack of collaborative budgeting: “I’d rather just be told what to do.” [12:18]

4. Allowances & Control

• Andre provides Cassie with a specified “allowance” post-bills—a system both describe as infantilizing and frustrating.
• Caleb: “You’re about to be a mother of a child and you’re being given an allowance. What is going on? That’s weird.” [06:48]

5. Spending Problems—Both Sides

• Both accuse the other of being the problem spender, but both have clear spending issues:
  • Cassie: Big-ticket items—electronics, conventions, gadgets.
  • Andre: Nicotine, soda, energy drinks, and smaller “justified” daily outlays.
• Andre admits: “My purchases are smaller increments. I’m sure it adds up to around the same… But it’s smaller increments.” [13:52]
• Revealing quote: “We go through electronics and computers like people go through underwear in this house.” - Cassie [33:50]

6. Debt: Shocking Volume, Varied Origins

• Total Debt: $168,000 (incl. $96k mortgage, ~$72k “bad debt” (credit cards, payday loans, utilities, computers, electronics)).

• Payday loans, Affirm/Afterpay loans for consumer purchases, collections, student loans, multiple delinquent accounts.

• Examples of debt insanity:

  • $3,300+ gaming PC on Affirm (broken on arrival due to faulty parts).
  • Repeatedly trading in and upgrading electronics within weeks.
  • Buying a $1,000+ gaming device (Steam Deck) and reselling it at a loss after minimal use.
  • Maxed-out subprime credit cards ($490, $495), several in collections.
  • High-interest car loans ($26K on Camry, $27K on F-150—both underwater).
  • Payday loans, multiple accounts in collections.
  • Borrowing money from roommate/tenant for emergency home repair.

• Notable quote: “This is some of the most insane behavioral issues I’ve ever seen from people that are almost 30 and well within their 30s.” - Caleb Hammer [48:08]

7. Lifestyle Justifications

• Justifying expensive gaming gifts (gaming PCs, game consoles) to children and relatives, including a $1,100 PlayStation for a nephew with medical issues.
• Rationale: “I spent a lot of years where I couldn’t buy them anything. I know it was a dumb financial move, but I’m going to die on that hill.” - Andre [40:35]
• Both frequently make impulse purchases and seek validation/competition through spending (“hobby hopping” and outspending each other).

8. Repeated Debt Cycle & Addictions

• Cassie has a history of payday loans and revolving debt, buying consumer items with borrowed money, and defaulting—destroyed credit.
• Andre reveals past addiction to in-game purchases (~$92,000 on League of Legends skins lost due to account ban). [53:15]
• Both struggle with impulse control and admit to consciously making poor decisions, often enabled by each other.

9. Family Dynamics & External Support

• Free child care due to Cassie’s job.
• Andre provides sporadic, non-formal child support for children from a previous marriage, plus covering school/activities directly.
• Cassie has a pattern of quietly borrowing “emergency” money from her grandmother and not sharing with Andre.
• Both have borrowed money from friends/tenants for emergencies, further blurring boundaries between personal and household finances.

10. Budget Realities & Bankruptcy Recommendation

• Their true monthly needs, covering just minimums and essentials, total over $5,260, exceeding their combined income + roommate rent.
• Caleb bluntly walks them through an exercise in budgeting, showing they are financially insolvent and would take over two decades to pay off just current debt at their current surplus (which is theoretical, given their overspending patterns).
• Caleb’s Verdict: "Bankruptcy. Change your behavior for three months—sit down, budget, cut out the BS, show you can live conservatively. If you can’t, you’re going to be right back here. Then file for bankruptcy, because your credit is already destroyed.” [92:04]

11. Hammer Financial Score & Final Critique

• Scoring:
  • Spending/Budget: 0/10 – “You overspent.”
  • Debt: 0/10 – “You have collections.”
  • Emergency Fund: 0/10 – “Nothing in savings.”
  • Retirement: 2/10 – “Dramatically behind.”
  • Real Estate: 7/10 – “A little equity in a house you don’t even like.”
• Final Hammer Score: 2/10 [93:14]
• Caleb’s parting words are blunt. He points out the futility of their situation absent drastic change and calls out both for shifting blame, avoiding responsibility, and making choices that endanger their own and their (future) child’s security.

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Notable Quotes & Memorable Moments

• [05:36] Andre: "I didn't have an issue with it until now because we're expecting a baby, so it's becoming a problem."
• [06:48] Caleb: "You're about to be a mother of a child and you're being given an allowance. What is going on? That's weird."
• [11:32] Cassie: "I was recycling payday loans."
• [13:52] Andre: "My purchases are smaller increments. I'm sure it adds up to around the same... So I'm to blame too."
• [18:13] Cassie: "I'd rather get the best one." (On repeatedly upgrading gaming systems)
• [28:00] Caleb: “You guys spend more than you make. What are you doing to pay it off now? ... I don't even know if this budget will work. We'll find out.”
• [33:50] Cassie: "We go through electronics and computers like people go through underwear in this house."
• [40:41] Andre: “But my nephew was born with a heart condition... I'll defend heart. I know it was a dumb financial move, but I'm going to die on that hill also.”
• [48:08] Caleb: “This is some of the most ridiculous spending I have seen on this show… Not even talking about the debt. Spending alone, some of the most insane behavioral issues I've ever seen...”
• [53:15] Andre: “Like 92,000.” (On in-game purchases at age 19)
• [92:04] Caleb: “File for bankruptcy… Your credit’s already so destroyed it doesn’t even matter.”

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Timestamps for Important Segments

• 00:45 - Introductions, professions, household income
• 03:00 - Struggling with bills, living paycheck-to-paycheck
• 05:08 - Money communication breakdown and joint account story
• 11:32 - Revealing history of payday loans
• 13:52 - Finger-pointing: who spends more?
• 18:13 - Constant upgrades of electronics/devices
• 19:47 - Spending exceeds income—Caleb reveals shocking monthly outflows
• 20:28 - Caleb’s reaction to total monthly spending
• 22:16 - Debt summary ($168k total, $72k bad debt)
• 29:02, 33:48, 41:01 - Dissection of ridiculous consumer debts (gaming PCs, consoles, furniture via payday/affirm/lease-to-own schemes)
• 40:41 - Rationalizing expensive gifts to family
• 47:01 - Cassie banned from Affirm; abuse of fintech loan products
• 53:15 - $92,000 spent on in-game skins
• 58:09 - Andre claims to be aggressively job hunting, can’t find second job
• 68:00 - Unpaid/forborne student loans coming due
• 79:01 - Overdue, maxed-out credit cards/subscriptions
• 84:41 - Cassie’s outstanding collections inventory (retail cards, payday loans, phone bills)
• 86:07 - Vicious cash advance cycles and dying balances
• 89:10 - Budget breakdown: astronomical debt service eats up their income
• 92:04 - Caleb’s hard advice: behavior change + bankruptcy
• 93:14 - Final “Hammer financial score” (2/10)

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Takeaways for the Listener

This episode stands as a dramatic cautionary tale about unchecked consumerism, lack of budgeting, and the dangers of using high-interest financial products to chase short-term gratification. Despite a serviceable income for their region, Cassie and Andre’s refusal to communicate, plan, or change behavior has left them teetering on financial ruin just as a new child is due.

Caleb’s unvarnished, sometimes confrontational approach effectively highlights:

• The spiral of debt enabled by “small” recurring bad decisions
• The dangers of co-dependent, enablement-heavy relationships
• How much easier it is to dig a financial hole than to climb out
• The necessity of real, behavioral change—not just more equity or income—to break the cycle

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Conclusion

The Most Insane Debt I've Ever Seen is exactly that: a litany of mismanaged credit, impulsive spending, and mutual enablement. For those not listening in, this summary gives a full color, warts-and-all look into a modern financial trainwreck—and the hope (or at least the prescription) for climbing out, if the couple is finally willing to face reality.

Transcript

[Caleb Hammer]

To watch episodes of financial audit a week earlier. Check us out on YouTube. You're about to be a mother of a child and you're being given an allowance.

[Cassie]

Sometimes I feel like he overspends.

[Andre]

That's inaccurate. She spends a lot of money.

[Caleb Hammer]

You're totally just going with us.

[Cassie]

Well, I just. I don't know. He's just the man of the house.

[Caleb Hammer]

You're getting on her at the beginning. You're getting on her. Maybe you should have put it in her so we don't have a kid coming. Sign up for the new and improved dollar wise budgeting app. Take the free trial and if you like it, sign up for the annual version to save a ton of money. And get my budget friendly cookbook signed by me and ma directly to you. And for a limited time only. If you want to bundle all of my educational programs together with the budget app, join dollarwise Central and save 80%. Take the trial and learn [e-mail].

[Cassie]

Hi, I'm Cassie. I'm 29 years old.

[Andre]

Hi, I'm Andre. I'm 33 years old and we're from.

[Cassie]

Oklahoma and this is financial audit.

[Caleb Hammer]

Thanks for coming down to Austin, guys. What do you do for a living in Oklahoma? Cassie? You're the one in front of me. So we'll start with you.

[Cassie]

I work at a child development center.

[Caleb Hammer]

Very good. What do you do?

[Cassie]

I work with 1 year olds specifically.

[Caleb Hammer]

Just what's your job?

[Cassie]

It's like a daycare.

[Caleb Hammer]

Oh, what's your job? Is there a title program?

[Cassie]

Assistant. So basically I just handle lesson plans and supervising children.

[Caleb Hammer]

Cool. What do you make?

[Cassie]

22 an hour.

[Caleb Hammer]

How many hours a week are you?

[Cassie]

35.

[Caleb Hammer]

Okay, so what's hitting the account from your pay on a monthly, bi weekly, whatever basis that you are tracking?

[Cassie]

Um, it. It's around a thousand. Sometimes it bounces a thousand per two weeks.

[Caleb Hammer]

Okay, so 2000 bucks hits a month.

[Cassie]

Yes.

[Caleb Hammer]

Does that sound right, Mr. Andre?

[Andre]

Yeah, it's. It's between 950 on the low end and 1070 on the high end every two years.

[Caleb Hammer]

So we'll say a thousand. Andre, what are you doing?

[Andre]

I'm a maintenance engineer, I believe is the job title.

[Cassie]

Cool.

[Caleb Hammer]

What are you making?

[Andre]

2281 an hour.

[Caleb Hammer]

So it's how many hours?

[Andre]

40.

[Caleb Hammer]

Good.

[Andre]

It comes out to about 1300 every two weeks. So 2600amonth.

[Caleb Hammer]

And that's. Now we're talking net. This is what's hitting the account for both, right? Yeah.

[Andre]

Yeah.

[Caleb Hammer]

Okay, so 2600. So at this point, you know, we're looking 4600 as far as the total household income, you know. Yeah.

[Andre]

Or we are 200.

[Caleb Hammer]

You're run like the median US household if we're talking now. Oh, sorry.

[Andre]

We also have tenants, roommates that pay us rent.

[Caleb Hammer]

Yeah, okay, but that just. We're gonna calculate that against your rent, I guess. No, I mean. Okay, well, sure. What do they pay?

[Andre]

450. It just went up because our thing. Yeah, yeah. We're paying a mortgage on the house, so they pay 450 a paycheck because they don't want to pay one lump sum. But it's 900amonth. That's all. Utilities, groceries.

[Caleb Hammer]

So we're house hacking. And if we're house hacking, that means one of the largest things that's typically our overhead on a monthly basis wouldn't be impacting us as much. Meaning.

[Andre]

Yeah.

[Caleb Hammer]

Why are we struggling? Would be my immediate question. But before we do, again, you are in like that median household income in the United States. Oklahoma. Cheaper state, for sure. How we doing? What?

[Andre]

Day to day? I don't know. I always have the philosophy of, like, we're fine because we're not.

[Cassie]

We're fine until we're not.

[Caleb Hammer]

Fine until we're not. When's not. Do we hit.

[Andre]

Not all of our monthlies get paid. But there's no wiggle room past that. No emergency fund. There's no.

[Caleb Hammer]

Do they all get paid on time?

[Andre]

Unless we forget.

[Cassie]

Yeah, for the most part.

[Caleb Hammer]

Why would we forget?

[Andre]

Because I don't do auto pay.

[Caleb Hammer]

Because you don't do auto pay?

[Andre]

No.

[Caleb Hammer]

Why?

[Andre]

Oh, man. I honestly don't have a good answer.

[Caleb Hammer]

Okay.

[Andre]

It's a terrifying thing. Auto pay is terrifying because what if the auto pay is two days before my paycheck? Like I said, we're paycheck to paycheck. Like we're fine, but we're not.

[Caleb Hammer]

Why are you paycheck to paycheck?

[Andre]

Because she spends a lot of money. I spend a lot of money on her, but still spend it. So it's.

[Caleb Hammer]

Thoughts on that? Because that's a heavy thing to throw.

[Cassie]

She spends money too.

[Caleb Hammer]

But why'd you throw it right to her then?

[Andre]

Because she was the majority of our spending for most of our relationship.

[Caleb Hammer]

Well, how long is our relationship? Are we married?

[Andre]

Yeah. Married since 21. Together since end of 19.

[Caleb Hammer]

So are we saying all throughout that she's been spending the money? Yeah, she's saying no. No.

[Andre]

I mean.

[Caleb Hammer]

Tell. I need a full story here. Tell.

[Cassie]

I mean, I don't think I would. I would say I would spend most of the money. I just. He spends a lot of money on stupid stuff too. But I just like to live forever. Like, I don't know. I like to go big and go home. I like to do all the fun stuff.

[Caleb Hammer]

So what does that look like? What is that?

[Andre]

A lot of Starbucks, A lot of fast food, A lot of gas stations.

[Caleb Hammer]

Let's go bigger. Going home Is Starbucks fast?

[Andre]

Whenever. She always needs the newest, biggest electronics constantly, and I facilitate it.

[Caleb Hammer]

Newest, biggest electronics are not cheap.

[Andre]

No, I'm. I'm aware.

[Caleb Hammer]

I don't know what you're considering to be the newest and biggest electronics. Okay.

[Cassie]

Yeah.

[Caleb Hammer]

And what is our relationship around money as a household? If we're immediately throwing. With the. Oh, she spends all the money. And she's like, well, she. He spends money too, so I don't know why I saying that. What the. The relationship of money in this household.

[Andre]

Separated for most of our marriage until about two months ago.

[Caleb Hammer]

I mean, more the communication.

[Cassie]

Oh, yeah.

[Andre]

Oh, none. She says she wants a thing, and I make it happen.

[Caleb Hammer]

Why then if you're. If you. You sound like you're having an issue with it, why are you make it happen?

[Andre]

I didn't have an issue with it until now because we're expecting a baby, so it's. It's becoming a problem.

[Caleb Hammer]

Oh, first.

[Andre]

First together. I have two from a previous.

[Cassie]

It's my first.

[Andre]

Both of those, 13 and 10.

[Caleb Hammer]

A kid's coming, huh?

[Andre]

Yeah. So that's the kind of.

[Caleb Hammer]

How many months pregnant are you?

[Cassie]

I'm due next month.

[Caleb Hammer]

Oh, yeah. And now you're like, yo, stop. With one month to go.

[Andre]

Well, the yo stop started a little while ago, and it's just now become a forceful effort.

[Caleb Hammer]

Tell me, how's that looking?

[Cassie]

It's a bad habit to buy.

[Andre]

I made us get a joint bank account. I say made. She was willing, but I made us get a joint bank account. And now everything is paid out of the joint bank account. And then what's left? I move to her account. So she has a spending amount each paycheck.

[Caleb Hammer]

An allowance.

[Andre]

Yes.

[Caleb Hammer]

You're giving an. Does that come in from her pay as well, then?

[Andre]

If it's joint, no, the pay is a skew. So when it all goes into the one account, whatever's left, I just give it to her because I don't really.

[Caleb Hammer]

Need spending into the one account. Both paychecks are hitting. Yeah, Both y'.

[Andre]

All. Yeah.

[Caleb Hammer]

And then you give her money from that.

[Andre]

Yes.

[Cassie]

Into.

[Caleb Hammer]

You're given an allowance. You're about to Be a mother of a child and you're being given an allowance. How does that feel? What the Is going on? That's weird.

[Cassie]

I mean, and sometimes I feel bad because sometimes I feel like he overspends out of our personal account, and then, like, he needs to borrow money for me to, like, pay for whatever gas or, you know, whatever he needs.

[Andre]

That's inaccurate.

[Caleb Hammer]

What? She.

[Andre]

She is never. In the last three years, maybe she has not swiped her card for me.

[Cassie]

Once, but I feel like sometimes I have to. But.

[Andre]

But I don't let you. It's. It's been a fight in the past.

[Caleb Hammer]

How does it feel? Like that. Then I'm confused. I'm confused how this is actually working if. If you don't swipe.

[Cassie]

Like, I just feel like I have to keep it. Like, I can't spend it on. I can't spend it on stuff that I want to spend it on, because I feel like if I don't have it, we're gonna need it.

[Caleb Hammer]

But he's saying, in the last three years, you haven't needed it.

[Cassie]

Yeah, I just. In my. In my head, I'm, like, always afraid that we're gonna need it, so I'd rather just, like, feel like I can't spend it, and then I always end up spending it all.

[Andre]

I can tell you how it goes. She saves the money in case I need her to spend it on my stuff, and then when we're three days from payday, she blows it all on her stuff because she's like, oh, he's good. Yeah, but that's. I don't know how her brain works, but that's how she enacted every paycheck since the dawn of time.

[Caleb Hammer]

Okay, Is that why we've allocated an allowance? What was the decision around the allowance? Because that's.

[Andre]

The allowance was. Hopefully it will keep her from just swiping the joint account card constantly if she can go to her own account.

[Caleb Hammer]

And was she just swiping the joint account?

[Andre]

No.

[Caleb Hammer]

Were you just going out there blowing money?

[Andre]

No. The allowance has been since the joint account started. So she has not been swiping on the joint account.

[Caleb Hammer]

Well, like, the fear was based on.

[Cassie]

Like, before, when we got paid, obviously, the money would go into my personal account, and then I would just pay whatever bills he told me to pay, and then I would just. I would just have the rest of the money to just blow on whatever I wanted to. Like.

[Andre]

Yeah. So I had her covering only three of the bills, and then everything else would come out of my account, and then with the baby and everything. I just decided to join account because we need to build.

[Caleb Hammer]

You're totally just going with us. Like, do you want to go with this? I'm confused.

[Cassie]

Well, I just, like. I don't know. He's just the man of the house role. I just kind of.

[Caleb Hammer]

We're trading it up.

[Cassie]

Yeah, I'm just. I mean, we. We try to do it. We try my joint bank account before. Like when we first got together and.

[Caleb Hammer]

Before marriage?

[Andre]

No, immediately.

[Cassie]

Yeah, shortly.

[Caleb Hammer]

Like, what happened?

[Andre]

Oh, that went great, Caleb. That was.

[Caleb Hammer]

Why?

[Cassie]

What.

[Caleb Hammer]

What. What's going to be different this time? What?

[Andre]

So when I started this job. Well, this place I'm working, not the job specifically. She left her old job to move to a less stressful job, and she cashed out her 401k.

[Cassie]

And I didn't know you could take it with you.

[Caleb Hammer]

You mean roll it over?

[Andre]

Yeah, yeah, yeah.

[Caleb Hammer]

She.

[Andre]

She cashed it out and she didn't trust herself with it. It was like $4,000. Ish. So she gave it to me to put in a savings account. And then the next day we got paid and I went and got lunch for both of us and brought it home, and she freaked out and we had a whole fight because she thought I used her 401k money for it.

[Caleb Hammer]

Did you?

[Andre]

No, it was my paycheck. So I just gave it back and said I didn't want to deal with it, and we.

[Caleb Hammer]

And then we just stopped the accounts. Yeah, yeah, but what's going to stop that very same thing from happening? How often do you guys fight about money now?

[Cassie]

I mean, we fight, but, I mean, it's a. It's a topic conversation that gets brought up.

[Andre]

Our whole existence is bickering, like, in, like, even our sense of humor. That's what we do.

[Cassie]

Yeah, I mean, I wouldn't say that we're, like, fighting.

[Caleb Hammer]

Okay, but if you weren't able to healthily have the joint account before and it completely blew up in our face is what's gonna be different this time. If you guys are not communicating in a more healthy or effective manner, it seems, still.

[Andre]

So now we talk about purchases. At least back then we didn't.

[Caleb Hammer]

So, like, every single lunch, every single little taquito at the gas station is discussed?

[Andre]

Not every single one, but.

[Caleb Hammer]

Okay, so what's gonna prevent that? Then again, because you bought lunch and it blew up and we had to split a joint checking just because of a lunch.

[Andre]

That's my main thought behind the allowance is if she has money.

[Caleb Hammer]

I know, and I'm 29.

[Cassie]

I've toned down a lot, too. So, like, before we got together, I would, like. He says I kind of catfished him because I was always, like, doing stuff financially. It's like, financially going to anime conventions or cosplaying or blowing all this money on, you know, big ticket items like my electronics and stuff. And he thought I had money because I had a really good paying job where I was going to pay commissions, but in reality, I was recycling payday loans.

[Andre]

Yeah.

[Caleb Hammer]

No.

[Andre]

Yeah. For years.

[Cassie]

So he's like, I stopped for years.

[Caleb Hammer]

Wait, in the relationship for years?

[Andre]

No. Before.

[Cassie]

Yeah.

[Caleb Hammer]

Is there a trust issue here because of this past?

[Andre]

So there would be. I'll be honest. I. I would not trust it. And I would assume she's taking loans and whatnot, but she couldn't get approved for one if she tried now.

[Cassie]

Yeah, my credit.

[Andre]

So it kind of removes the factor of me having the.

[Caleb Hammer]

Still the spending. It's still the spending that was an issue that got her into the payday loan cycle.

[Cassie]

Yeah. I would go take out loans of like $2,000 and then just.

[Caleb Hammer]

So do you feel the allowance is appropriate then?

[Cassie]

Like, I definitely. I definitely think I need help with. With it. It's like a spending problem, like an addiction.

[Caleb Hammer]

Why aren't you working on it? Why aren't you guys sitting down and budgeting? Why aren't you trying to put in any effort instead of having to be treating like a baby?

[Cassie]

I don't know. Because I don't really want to put the effort. I'd rather just be told, you're about.

[Caleb Hammer]

To be a mother.

[Cassie]

What to do.

[Caleb Hammer]

Yeah, you're about to be a mother.

[Andre]

I would like it to be collaborative because I. I do sit down and I make a budget and then I try to tell her, and she's like, yeah, do whatever. That's not a conversation, though. I would like it to be a conversation. But Mike and Alyssa are always trying to outdo each other. When Alyssa got a small water bottle, Mike showed up with a 4 liter jug. When Mike started gardening, Alyssa started beekeeping.

[Caleb Hammer]

Oh, come on.

[Andre]

They called it truce for their holiday and used Expedia trip planners to collaborate on all the details of the trip. Once there, Mike still did more laps around the pool. Whatever. You were made to outdo your holidays. We were made to help organize the competition. Expedia made to travel.

[Caleb Hammer]

I am just a little taken back from the beginning, though, where it's like you immediately came out of the gate blaming her for the, you know, spending a lot of bull but she says you spent a lot of too, like. Well, why do we then? What the. Was that coming in? Just punching.

[Andre]

Well, so I didn't for a long time. Like, I. When we.

[Caleb Hammer]

But you do, do you not now?

[Andre]

Yes.

[Caleb Hammer]

So I don't give a. Why would I care what you've done?

[Andre]

Well, I'm just trying. Part of life, I mean, huh? It's part of life. My past, I mean, it needs to be brought up.

[Caleb Hammer]

If it was mistakes you're making that you learned from, sure. But you were doing well in the past. It's like. Yeah, but you're doing now, so.

[Andre]

Okay, yeah, I. I make bad decisions now. I mean, I've always been.

[Caleb Hammer]

Why are you trying to throw her under the bus out of the gate?

[Andre]

Because my purchases are smaller increments. I'm sure it adds up to around the same, so I'm to blame too. But it's smaller increments.

[Cassie]

He doesn't.

[Caleb Hammer]

What are we getting?

[Andre]

He doesn't see the purchase. A lot of energy drinks.

[Caleb Hammer]

Yeah.

[Andre]

Nicotine. And nicotine? Yeah.

[Caleb Hammer]

In what form?

[Andre]

Cigarettes. The best kind.

[Caleb Hammer]

You're about to be a father of three now.

[Andre]

Yes.

[Caleb Hammer]

Don't you want to stick around? You're in your 30s. You're. You are obese. Morbidly, Potentially, yeah.

[Andre]

It was worse, but.

[Caleb Hammer]

Well, good. I'm glad it's at least gotten better. But I want you to be around if we're mixing up destroying our lungs with also destroying our body. Whoa. Is he. Is he gonna be here?

[Cassie]

I'd hope so.

[Caleb Hammer]

Energy drinks his heart. Honestly, like, I don't know what's consumed. How many milligrams of caffeine are consuming a day?

[Cassie]

Those are like 220.

[Caleb Hammer]

Those are about 200.

[Cassie]

He drinks, like, at least 400.

[Andre]

I drink two a day. Don't exaggerate.

[Caleb Hammer]

Okay. 400 is the cap that's recommended.

[Andre]

Yeah, I drink. I drink two a day. Ghosts.

[Caleb Hammer]

Okay, but that's like, the cap.

[Andre]

Yeah, I'm aware. But then I know it.

[Cassie]

He also drinks soda, too, which also has caffeine.

[Caleb Hammer]

Caffeine. It's like 30, 40 milligrams.

[Andre]

I drink Diet Coke. Yeah.

[Caleb Hammer]

Yeah. How many a day?

[Andre]

So in our grocery order.

[Cassie]

In our grocery order, I buy four 24 packs to get us through two weeks. And he's usually.

[Andre]

So I have. I have three at home, and then I take one to work.

[Caleb Hammer]

So you're. Well, you're at, like, 500.

[Andre]

Yeah. Yeah.

[Caleb Hammer]

Like, you're already. Again, we're killing her now. We've killing our Body in three ways.

[Andre]

Well, so I've tried to quit cigarettes in the past and it's hard.

[Caleb Hammer]

Yeah.

[Andre]

Oh yeah. No, I've been smoking since I was 13.

[Caleb Hammer]

Okay. That's not good.

[Andre]

Yeah. Oh yeah. Definitely not. I, I agree with that.

[Caleb Hammer]

Can we at least switch the vapes like we. There's.

[Andre]

So I can have a collapsed lung. There's risks on both sides.

[Caleb Hammer]

There are, but it is objectively better. So I like all the scientific community.

[Andre]

It's like it.

[Caleb Hammer]

But all.

[Andre]

It's in progress. I'll say that. I, I do want to quit before.

[Caleb Hammer]

I mean, I'd rather you get the pouches regardless. I'd rather you just stop.

[Andre]

I would if you're.

[Caleb Hammer]

But if we're struggling and we're struggling. We're struggling or preventing. I would rather at least get like a little bit of, you know, downgrade going.

[Andre]

Yeah, I'll. I can look into that. I'm sure you hear that way through.

[Caleb Hammer]

300Amonth on cigs, I'm being told. And which is so crazy. So you're throwing her onto the bus? Like, what are we doing?

[Andre]

Yeah, that's what I was saying. My purchases seem smaller, but over time they're bigger. I'm aware of that, but hers are.

[Caleb Hammer]

But also. This sounds like a long term addiction. You say you're starting bad spending now. I highly doubt that's true. If we've been smoking.

[Andre]

I mean, I. So I recently started spending on. Not cigarettes. Badly.

[Cassie]

Yeah, he. So he doesn't.

[Caleb Hammer]

He. Oh, this is addition to that.

[Andre]

Oh, yeah.

[Cassie]

He doesn't go out and buy big ticket items often, but he sees like the cigarettes and the soda and the energy drinks as like his luxury purchases.

[Caleb Hammer]

Where are we? Where are we in terms of how many packs a day?

[Andre]

When it was stressful last year I was at two a day, but now I'm down to one and I've been, I've been decreasing it.

[Caleb Hammer]

That's so exciting.

[Cassie]

He tells me, he tells me one and a half.

[Andre]

Yeah. Because I averaged for bad days when, when it's. I don't. Yeah, I don't want to justify it, but I do want to just.

[Caleb Hammer]

I'm confused still. You're not answering my question. Why did you throw her under the bus? What is like your mentality that you immediately threw under the bus?

[Andre]

Her big purchases are more frequent than mine.

[Cassie]

Yeah.

[Andre]

And I would like to say we can agree on that at least.

[Cassie]

I would probably say there's at least one big ticketed item I'd like to try to buy once A month. Whether I can or not.

[Caleb Hammer]

How much is a big ticket item? What are we considering a big ticket item? Give me an example of a big ticket item.

[Andre]

Nintendo Switches.

[Caleb Hammer]

Ah, the new one. Switch to what is that, like five?

[Andre]

No, that was almost a domestic. That didn't happen.

[Caleb Hammer]

I was almost a domestic.

[Cassie]

Yeah, but I mean.

[Andre]

But she's had a lot of switches.

[Cassie]

I haven't bought any more switches. I bought two.

[Andre]

She bought a. No. Two is a lie. Two is a lie.

[Caleb Hammer]

Why the would you have two switches?

[Andre]

So she got a credit card for GameStop specifically to get a switch.

[Cassie]

L. I got the Switch Lite.

[Andre]

She had the Switch Lite for a week. Hated it. Upgraded to a switch.

[Caleb Hammer]

When did you return?

[Andre]

She did. But you had to pay extra on the switch. Cause the light is cheap. And then. Hold on. No, don't. Don't do that yet. Give me a minute. And then two weeks later, she wanted the oled, so she traded in her switch for an oled.

[Cassie]

Because I'm like, if it's.

[Caleb Hammer]

Dude, why. Why do you want to spend the money?

[Cassie]

I'd rather get the best one.

[Caleb Hammer]

Yeah, but you don't have money. You have a kid coming. Sake. Guys. How much was spent on just going out to eat last month? Oh, just going out to eat alone.

[Andre]

This is a fun game of Guess who.

[Cassie]

I don't keep track. I couldn't tell you.

[Caleb Hammer]

What do you think? You're out there swiping? What do you think it all stacks to?

[Andre]

400 to 500.

[Cassie]

If I had a guess, I would have.

[Caleb Hammer]

You had to guess.

[Cassie]

I'd have no idea. By together or just like individually?

[Caleb Hammer]

That's the whole thing.

[Andre]

All of our finances. So that's why I said 4 to 500.

[Cassie]

I don't know. I don't think it's that high. I mean, I don't feel like I eat out on my own.

[Caleb Hammer]

$808. Yeah, I was miscellaneous alone on top of it. Extra. Could be a video game. $574. Unknown shopping, by the way, because it's impossible to know what it is without us looking at the statements. Could be Walmart, could be Amazon, could be bull, could be good. We don't know. $1,511. We know what hits our account, guys. We know what hits 4,295. We also had cash advance payout over the thousand. Okay, great, great.

[Andre]

Yeah, great, great.

[Caleb Hammer]

Well, we'll get into that. Fantastic. Also, Cash app in what? What's coming in from Cash app, Or is it just the roommates? Okay. So income and ebay. So we'll. Okay, so with PayPal, cash, app and payroll, I'll combine that to about 4,200. What was spent as the household combined. What was spent?

[Andre]

5.8 5,200.

[Caleb Hammer]

Oh, 5,800. Okay.

[Cassie]

I was like, I have no idea, dude.

[Caleb Hammer]

Some kind of guess just based on what you're experiencing. Just based on what you're experiencing.

[Cassie]

I just know what I spend. I don't know, like, just based on.

[Caleb Hammer]

What you're experiencing as the household. This is what I'm trying to see. What you would think the household is at. Based on your observation, I know you're not going to have the correct answer. That's fine. No one is down to the dollar for sure. But what do you think based on what you are observing?

[Cassie]

Like, all of it. Because we don't have anything left over.

[Caleb Hammer]

So like, okay, so 5,000. Okay, 5,200 or whatever. OK, great. $9,431. We have a child coming in a month. What the are we doing? What the are we doing?

[Andre]

Suffering.

[Caleb Hammer]

Huh?

[Andre]

Suffering. It's struggling by choice. Yeah. Accurate by choice.

[Caleb Hammer]

Which means all of a sudden, oh, the kid suffers. You know how that works, right?

[Cassie]

Yeah.

[Andre]

What are the odds?

[Caleb Hammer]

Acceptable.

[Andre]

What are the odds I could go outside for a minute? Mm.

[Caleb Hammer]

Budgeting used to mean spreadsheets, highlighters, and pretending I'd stop eating out. And spoiler, I didn't. But then I started using Rocket Money. Today's sponsor. Rocket Money is the personal finance app that makes budgeting actually doable. You connect your accounts and it automatically breaks down your spending by category, by merchant, all of it. So now I know exactly where my money's going. Like $142 of gas station snacks. Don't judge me. You can set custom budgets for everything. Groceries, dining out, and the suspicious miscellaneous category. Rocket Money even sends you alerts before you go over to budget when your balance is low, which saves you from surprise overdraft fees. And if you're trying to build better habits, the app gives you insights and trends to help you stay on track. Take control of your finances today. Go to RocketMoney.com Caleb or click the link in the description below to get started for free to smoke.

[Andre]

I can neither confirm nor deny.

[Caleb Hammer]

No, dude, sit the down. I'm filming an episode here. I don't.

[Andre]

Fair enough.

[Caleb Hammer]

Get you a little sickness. It happens. I don't give a. We have a child coming. And we immediately deflected trying to go smoke a cig. Thank you. That's appreciated. Oh, my death. Total debt, 168,000. But bad debt alone. Interest accruing bad debt is 61,130. We have a mortgage of 96, but we also have student loans on top of that of 8600. Then collections of 2588. This household is. This household's a mess. And we have a kid coming in, two that are already here. What's the custody situation of the two?

[Andre]

They live with their mother, and I get them for every school break.

[Caleb Hammer]

Do you have child support? I must go out. Why?

[Cassie]

They have a very healthy relationship.

[Andre]

Yeah, we're great.

[Caleb Hammer]

But she's taking care of them 100%.

[Andre]

So I pay for all their school stuff, all their school activities, like sports.

[Caleb Hammer]

Like a couple hundred bucks a month.

[Andre]

Yeah, I mean, I covered.

[Caleb Hammer]

Come on. Child support for you would be like, at least five.

[Andre]

Yeah, I'm paying about that on average. It's just. It doesn't go. It just doesn't go every month.

[Cassie]

But, yeah, I mean, I know she.

[Andre]

Knows she's closer to their mom.

[Cassie]

Tells me whenever she's. He should be like, hey, she called. They need this. And like.

[Andre]

Yeah, it's just sporadic. It's not like scheduled payments.

[Caleb Hammer]

Their income situation for their house, not good.

[Andre]

I don't. I don't get told specifically. I just told her, if she ever needs money for the kids, let me know.

[Caleb Hammer]

And we have another one that's coming in, and then we're spending literally double. Not double, but close to double what we're making. Our bad debt situation is insane at like 65. No, no, no. Like $70,000. No, $72,000 of bad debt.

[Cassie]

Okay. The one silver lining is I get free child care, so I don't pay for daycare when she's here, so yippee.

[Andre]

Right? It's. It's expensive.

[Caleb Hammer]

It is expensive. I'm glad you do, but silver lining, out of everything, your kid's going to need a lot more than just child care. I don't know if you guys know this, including you retiring so they don't have to take care of you. Which brings me to. I'm trying to find retirement. You have, but I don't even see a retirement on here.

[Andre]

So I don't know how to get a. So I work for a government.

[Caleb Hammer]

I don't see retirement.

[Andre]

I have retired. I have two retirements. They send a 401k and an air Force retirement. Okay, but they only send one statement a year of what's in it.

[Caleb Hammer]

Are you on military disability?

[Andre]

No, no. If you work on government Installation you can get. You weren't in the retirement, but you put into it.

[Caleb Hammer]

You were not in the military.

[Andre]

No, no. So I. I know what's in, but I can't.

[Caleb Hammer]

What's in.

[Andre]

So I have in 401k about 18, 000, and then in Air Force retirement, about 12, 000. So 30 total. Ish.

[Caleb Hammer]

30. Definitely behind for your age. And if we're combining that as a household. Because you have nothing now, right?

[Cassie]

Well, no, I have less than 2, 000, because I.

[Caleb Hammer]

Okay, so for the household, dramatically behind.

[Andre]

Yeah.

[Caleb Hammer]

Which also gets put on your kid when you come and you're not able to take care of your life, especially in our health situation.

[Andre]

Mm.

[Caleb Hammer]

It's like you will be out of the workforce earlier. Out of necessity.

[Andre]

Yes.

[Caleb Hammer]

And your kid will have to put their life on hold to support you based on the choices you made. Choices you made. The kid did not choose to come in this world, but they will feel morally obligated to take care of you. They did not consent to it.

[Andre]

Yeah. I'll argue you're putting it on. On a lot of stuff, but not that. Yeah, that's accurate.

[Caleb Hammer]

All right, I'm gonna. We gotta get into these finances because this is a. Oh, this is an insane amount of paperwork.

[Andre]

Yeah.

[Caleb Hammer]

But I'm gonna go three, two, one. Go on. I want you guys to give me your. What you think your entire household financial score is. 0 to 10, 0 being the worst, 10 being the best. What do you think it is? 3, 2, 1, 4. Why do you think it's possibly middle down the road? Why does she think it's middle down the road?

[Andre]

To be fair, she doesn't know what your financial scores are based off of, and I do. So I.

[Caleb Hammer]

But like, 10 being the absolute best, 0 being the absolute worst. You think you. You think you're middle of the road?

[Andre]

I think.

[Cassie]

I mean, you.

[Caleb Hammer]

Did you hear the numbers I just went over? I mean, what do you have going for you?

[Cassie]

Like, we pay our bills every month, so. I mean, do you.

[Caleb Hammer]

There will be no late payments as they go through this and. I don't know. I don't know. I have not been through this.

[Andre]

I'm pretty sure there will be.

[Caleb Hammer]

Okay, so is that we pay our bills. Church is not on time.

[Cassie]

I think they're on time. I think we pay him on time.

[Caleb Hammer]

He just. He's. He's literally just saying he thinks there's going to be late payments in there. But you talking about.

[Cassie]

I know the ones I paid were.

[Caleb Hammer]

On time, so what Is she responsible.

[Andre]

For paying car insurance which doesn't have a late fee or a due date? It's like mile wise. It's pay as you go kind of you. It's a whole thing.

[Cassie]

Yeah. I just put my hand and then.

[Andre]

Groceries and you don't like groceries on time.

[Caleb Hammer]

You can't be late on growth.

[Andre]

Yeah. The electric. Electric is the only one. Yeah. She has two that could have late fee. And I'm pretty sure the phone bill was late last month.

[Cassie]

Yeah. Now that. Yeah, I forgot that I paid that one.

[Caleb Hammer]

What the.

[Andre]

That's why I was making the faces. I was like, no, it's even yours are gonna have some lates.

[Caleb Hammer]

Why?

[Cassie]

Because I need. I wanted a cash float money so I paid like half of it and then waited till the next paycheck to pay half of it.

[Caleb Hammer]

Why do you think you do not owe it on the date that it's owed?

[Cassie]

We need. Well, we needed the extra money for. I can't remember what it was now, but to have to get us through to that next pay period.

[Caleb Hammer]

Remember how you spent $900 going out to eat? What the are you talking about? What the are you talking about? Miscellaneous bull. $750 on shopping. 1500. What the are you talking about? I needed money. What was your electricity bill like?

[Cassie]

Almost. Was it 4:20?

[Andre]

It was 415.

[Cassie]

I was like, yeah.

[Caleb Hammer]

So less than half of what you went out to eat. I don't want to hear it. There's no sympathy. Wah. I couldn't pay my utilities off. That's the story we hear out there. Oh, utilities. They're so expensive and they are. I couldn't afford them. I'm poor. You look at your spending. I want to look through everyone's spending. Whoever says they couldn't afford to make their payments? You spent more than double then you say you can't pay that on time. You gotta take care of other bills. What are you talking about? Oh, one of the roommates is moving out in the near future. You're gonna be destroyed rent wise.

[Andre]

Yeah.

[Caleb Hammer]

Oh. How are you making up that difference?

[Andre]

Hopefully paying off a lot of our monthlies.

[Caleb Hammer]

Huh?

[Andre]

Our monthly minimum.

[Caleb Hammer]

How? That doesn't make sense. I'm going to pay off my debt better when I'm bringing in less money from our roommates.

[Cassie]

What, by trying to pay it off now before he leaves.

[Caleb Hammer]

You guys spend more than you make. What are you doing to pay it off now? I don't even know if this budget will work. We'll find out.

[Andre]

Yeah, that's the goal. That's been my goal and I'm lost. I don't know how to get there.

[Caleb Hammer]

If you want your Hammer Financial score, take the assessment. It is [e-mail] and if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise Bud budgeting app, sign up for the free trial and if you like it, take the annual version to save a lot of money and also get our but.

[Andre]

It.

[Caleb Hammer]

Comes with our budget friendly cookbook signed by me mailed directly to you when you sign up for annual and if you want to bundle it with all of our educational products together for 80 off all you have to do is sign up for Dollar Wise Central. Go to Dollarwise.com and learn more. Ladies and gentlemen. Alrighty, let's get into this because this is gonna be a long, long, long stack of paperwork to go through. Huh?

[Andre]

Yeah.

[Caleb Hammer]

Oh, I buy power. He's a little gamer Gooner. I'm assuming you.

[Andre]

Yeah, the. The iBuyPower is my son's for last Christmas.

[Caleb Hammer]

How old?

[Andre]

Thirteen.

[Caleb Hammer]

Why the does he need a top end gaming PC?

[Andre]

I buy it is not top end.

[Caleb Hammer]

What is it? How much is it?

[Andre]

It's an i5 10, 600 non k I think. And then how much was it like 626 30.

[Caleb Hammer]

No, that's not possible. No, that's literally not possible. Paid to date has already been 1155. What the are you talking about?

[Andre]

Oh, I had to change the price so it was gonna be and then they didn't have the graphics card I wanted for it so I think he got like a 2070 or something. Yeah, because I wanted to give him 2060 but they didn't have them.

[Caleb Hammer]

Why the you even getting this dude? This makes no sense. And now you're paying minimum payments on this forever. What's the interest rate on this? I bet it has interest rate. Oh, there's a new way got after this. My goodness. He's full game.

[Cassie]

That one's my fault.

[Andre]

Yeah, that's.

[Caleb Hammer]

That's her you game goon too.

[Andre]

No, she does not.

[Cassie]

That was for the Steam deck that I wanted.

[Andre]

That has now been sold.

[Cassie]

Yeah, great.

[Caleb Hammer]

Well we have a debt for it so I don't give a. That's even worth it. You don't have the asset.

[Andre]

Yep.

[Caleb Hammer]

Okay, well you still owe $322.17 on this. I buy power. The minimum payment looks like 6543.

[Andre]

And that was. That was on a. A bet. A dare. I don't Know what you call it?

[Caleb Hammer]

Huh?

[Andre]

I bet my son, he couldn't get straight A's. And let's just say it's.

[Caleb Hammer]

I appreciate that, but why does it have to be with something that costs fifteen hundred dollars on interest?

[Andre]

Bad judgment in the moment.

[Caleb Hammer]

Like, I. I'm down with that. That makes sense to encourage him to.

[Andre]

Get an effing band. How am I supposed to know?

[Caleb Hammer]

I don't know.

[Andre]

Same.

[Caleb Hammer]

But now he's doing well.

[Andre]

Yeah.

[Caleb Hammer]

Why are we promising a 1500 dollar?

[Andre]

Because he had an effing band.

[Caleb Hammer]

Dude, if he's an effing band, he's like throwing spitballs on the ceiling.

[Andre]

Exactly. So I thought he's a degenerate. Fortnite is strong, apparently, because he. All of a sudden, he's a master.

[Caleb Hammer]

Fortnite on a $300 Xbox.

[Cassie]

S. He likes to be the cool dad and say, like, oh, well, I'm a gamer. So you want to be.

[Andre]

I think a lot of it is shame because I spent a lot of years where I couldn't buy them anything.

[Caleb Hammer]

You still can't. You guys are just trying to get.

[Andre]

I know, but it's. That's. That's my only. That's my only crappy attempt at justifying it. Okay, we could.

[Caleb Hammer]

I like the encouragement to get good grades, but there's so many other things we could do at a such lower price point. Dude, if. Trip to, like Six Flags would have.

[Andre]

Been cheaper in Oklahoma.

[Caleb Hammer]

You come down to Texas? You did.

[Andre]

I've never been to Texas. I know you guys have a Six Flags.

[Caleb Hammer]

What are you.

[Cassie]

Flags over Texas. What?

[Caleb Hammer]

Yeah, we've had Six Flags.

[Andre]

Grew up in California. What?

[Cassie]

You had Disneyland.

[Caleb Hammer]

Six Flags are everywhere. It doesn't matter. You could have done a lot of things. You could have done a lot of things.

[Andre]

I'm aware. I've beat myself about that. And you're free to do it, too. Just know in the future it's not getting promised off. Yes. Autopay is off on everything right now.

[Caleb Hammer]

Death. Great. That's wonderful. Okay, so what's the interest on this?

[Andre]

Oh, man.

[Caleb Hammer]

Probably 35 through a firm. So 35. Probably 35.99.

[Andre]

Yeah, something like that.

[Caleb Hammer]

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

[Andre]

Yeah.

[Caleb Hammer]

When did we get this?

[Andre]

It was middle of last year. Summer I believe. Right after he got here. Yeah.

[Caleb Hammer]

This has been over a year that you're paying for.

[Andre]

Yeah. Yes. And.

[Caleb Hammer]

And it's I Buy Power.

[Andre]

Okay, we'll come back to that. Because there's another computer you're gonna hate even more on there. No, from worse. I Buy Power is a saint compared to the next one. Just wait till you get there because I. I'm happy to put that other company on. Blessed. I will say that computer showed up.

[Cassie]

Well, we go through.

[Andre]

I usually build them myself.

[Cassie]

We go through electronics and computers like people go through underwear in this house.

[Andre]

Yeah. That's by far our biggest. And every form of life is like.

[Caleb Hammer]

That's like HP's version of their pro gaming.

[Andre]

No, iBuyPower is a. It's an OEM. It's standalone.

[Caleb Hammer]

Okay.

[Andre]

Upgrade later and everything. It's all off the shelf parts. It's fine.

[Caleb Hammer]

Fine. Okay. Then I'm not freaking out.

[Andre]

Yeah.

[Caleb Hammer]

I usually build them myself. Overly expensive on their website. I'll say.

[Andre]

Yeah.

[Cassie]

And I also have IBuyPower in my debt too.

[Caleb Hammer]

Oh just. This is just a full goon household. Okay. This new age. This is for an 8K display port, 1.4 cable, 6.4ft steam deck.

[Andre]

No, no, there was a cable and the steam deck. We did not pay. We did not pay whatever that was.

[Caleb Hammer]

So you don't even owe this anymore. And it was a thousand dollars.

[Cassie]

Yeah. Because I. He wanted. Well, he wanted me to get.

[Andre]

I wanted her to get the cheaper 1400 steam deck. And now it had to be the OLED. Had to be the 1 TB. And by the time I decided to say screw it and sold it, she had two hours on it. Totally. And that was months.

[Caleb Hammer]

Why?

[Cassie]

I don't Know, I didn't.

[Caleb Hammer]

It didn't.

[Cassie]

I couldn't use what I wanted to use on it like I thought I could. So I just, I used my switch more.

[Caleb Hammer]

So you guys just blow all the money in the world on anything you guys want? In the moment, yes. But you communicate about it.

[Andre]

You're saying no. No.

[Caleb Hammer]

The big purchases.

[Cassie]

In his defense, I told him I would pay the monthly payment for the, the steam day.

[Caleb Hammer]

I. Why is it I. We.

[Andre]

When it comes to marriage, this was pre joint finances. Nothing was done together at that point.

[Caleb Hammer]

Yeah, but I'm curious, the why was it?

[Andre]

I mean it is we. She tried to justify it because I said I didn't want another monthly payment and she tried to justify it and she said, well, I'll make it. She didn't make any of them.

[Caleb Hammer]

Did you make money from getting rid of it?

[Andre]

Yes, yes, I have the money to pay it off. Just be done with it. To hold that.

[Caleb Hammer]

So what was that? How much did you get for it?

[Andre]

I got 680 for it. And then I also, I. But I've been selling a lot of electronics.

[Cassie]

Yeah, we're trying to, we're trying to declutter our house.

[Caleb Hammer]

Yeah, it's time to sell everything.

[Andre]

That's what I'm doing. That's why I said some of that. That's why I said some of the incoming might have been from ebay because I am selling everything actively.

[Caleb Hammer]

Yeah, that is, that's not even a choice. I'll sell this. But this is a ridiculous thousand hour purchase. And you lost 500.

[Andre]

Yeah.

[Caleb Hammer]

400.

[Andre]

Yep. I think the Xbox was more egregious than that even.

[Cassie]

Yeah, yeah.

[Caleb Hammer]

So we get every little gaming device that is possibly on the market. It sounds like there's not one we don't get. Great.

[Andre]

We call hobby hopping. Cuz she hops to a different copy hopping.

[Caleb Hammer]

So expensive.

[Andre]

Yeah. Yeah.

[Caleb Hammer]

Okay. What is this Serenity Sleep Bundle for?

[Andre]

What's our bed? Yes. No.

[Cassie]

Is it not?

[Andre]

Nope. I don't think so. What's the total on that?

[Caleb Hammer]

You spent 997. But you've already.

[Andre]

Oh, that might be the bed.

[Caleb Hammer]

Oh, 1200.

[Cassie]

Yeah. Serenity.

[Caleb Hammer]

It's our bed.

[Andre]

Yeah. I thought that was the couch. I thought we were going to.

[Caleb Hammer]

Are we getting this?

[Andre]

I mean listen, the bed was mandatory because.

[Cassie]

Because we were sleeping on a mattress on the floor and the mattress like the springs was popping through and like.

[Andre]

Yeah, yeah, I had that mattress.

[Caleb Hammer]

Did you have to get a thousand dollar mattress?

[Andre]

It has to be California King. I'm seven foot One it's not. And I already have knee problems. My legs hanging off.

[Caleb Hammer]

The 7.1.

[Andre]

Yes.

[Caleb Hammer]

That's crazy. I've never met someone over 7.

[Andre]

It's a whole struggle.

[Cassie]

Having a big. A large bed was kind of.

[Andre]

We got. There's no frame or anything. That's just a mattress and a box spring because I tried to keep it cheap, but California kings are so expensive.

[Cassie]

Yeah. For no reason.

[Andre]

Are you sure you're 7.17172? It depends on the day and my posture and my back problems.

[Caleb Hammer]

But yeah. 72.52 minimumly payment.

[Andre]

Yes. That is the bed then.

[Caleb Hammer]

Endlessly, forever. Probably at a 35.99 interest rate of death.

[Andre]

Yes.

[Cassie]

It's like double.

[Caleb Hammer]

This is. This is just like fat stack week again where we just have literally every debt you could possibly accumulate in a stack as large as.

[Andre]

Yeah.

[Caleb Hammer]

I don't know. This is just crazy, man. And of course auto pay is off. Who would have thought?

[Andre]

Yeah. I've got a mental block with auto pay. I told you. It's terrifying to me.

[Caleb Hammer]

Yeah, but then you accumulate fees and your debts is taking forever to pay off and it's going to take even longer. Yeah.

[Andre]

I would like to get to the point where I'm comfortable that we'll have money in the account to just turn on autopay.

[Caleb Hammer]

$997 mattress. But you're paying a total of 1,300.

[Andre]

Yeah, I'm. I'm not perfectly versed in all of our totals and percentages and everything, but I do look at them regularly and obsess over them.

[Caleb Hammer]

Then why are we still spending? That doesn't make it. If you're obsessing, that. That is not lining up.

[Andre]

Headiness. I don't know.

[Caleb Hammer]

Headiness?

[Andre]

Yeah.

[Caleb Hammer]

Petty. Over what? What the is petty? What are you talking about? Fetty?

[Andre]

It's the competition. You know what, she buys dumb stuff. And then I'm like, well, I want dumb stuff. And so we're children. All of my dumb stuff has happened in the last six months. I'm pretty sure unironically. Because I don't buy myself things, like ever. Like big stuff. That's all happened because we. In January.

[Caleb Hammer]

So what the changed in six months then?

[Andre]

Well, so I. We gave up on having a kid, funnily enough.

[Cassie]

Yeah. We tried forever.

[Andre]

We tried for three years. It didn't have one January. We said it and made some dumb decisions and. And all of a sudden that.

[Caleb Hammer]

But you still had two. So you gave up. How long did you give up? When did you find out you were pregnant? You're having a baby next month in February. So we had one month of reckless. No, you were having reckless well beyond one month.

[Andre]

There's no way my big things were about one month. Yeah, no, you haven't gotten them on yet. It's juicy. Just keep going through the bundle of joy.

[Caleb Hammer]

I am. I have no other choice. Walmart. Okay. What the did we get at Walmart for twelve hundred dollars?

[Andre]

I think that was.

[Cassie]

Was that Christmas?

[Andre]

Yeah, that was.

[Caleb Hammer]

And it was just Christmas presents.

[Cassie]

Yeah, he bought. He bought a PlayStation for his nephew.

[Andre]

I will defend that PlayStation to the death. I'm ready to fight you.

[Caleb Hammer]

Why so. Yeah, Let me defend a 35 interest rate.

[Andre]

I'm aware the way I got.

[Caleb Hammer]

We have no retirement.

[Andre]

I'm aware of the way I got it.

[Caleb Hammer]

No, that is dumb. With your lack of retirement, lack of emergency fund and overall debt situation is done regardless if you spent it on.

[Andre]

Yes, yeah, I'm. I'm aware of that part. But my nephew was born with a heart condition where every couple years he has to go get a valve replaced. Open heart surgery. And he's laid up forever. And his parents are very anti new technology. Like his newest thing is an Xbox 360 so I got him a great game. It's not supported on anything. He can't update any games he couldn't play with his. Most of his discs don't work and we don't have a game store where we're at in Oklahoma.

[Caleb Hammer]

Why does it have to be your response?

[Andre]

I know it shouldn't be. I'm. I've had that conversation.

[Caleb Hammer]

Well, I appreciate the heart of it, man.

[Andre]

That's what I'm saying is I'll defend heart. I know it was a dumb financial move, but I'll. I'm gonna die on that also.

[Caleb Hammer]

It was more than that. You spent double than just the PlayStation.

[Andre]

Yeah, it was the PlayStation and then go on Nintendo Switch for my daughter that she broke two months later.

[Caleb Hammer]

Oh my. You guys just get everything you don't get. Yeah, there is nothing you don't get. And I see a smartwatch on you.

[Andre]

This was cash flow, no financing matter.

[Caleb Hammer]

It would have gone towards. What's that?

[Andre]

Well, no, it was traded in my old Apple watch when I swapped off of Apple and I have. This was. This was free. This was 100 free.

[Cassie]

Which mine was also a. I need to. I need to have it because it's the newest one but I'm not wearing it.

[Caleb Hammer]

I had this. I would rather you sold the Apple Watch and put it towards debt. Dude.

[Andre]

Yeah. I was using this for the gym because I dropped like 104 pounds in like eight months. I'm trying and I needed something to track my heart rate and everything.

[Caleb Hammer]

Yeah, but you could get a Fitbit.

[Andre]

But this was free. I couldn't trade in the Fitbit.

[Caleb Hammer]

No, but you could have sold your Apple Watch. I, I got a Fitbit for the cheaper use the Apple Watch. Got rid of the Apple Watch.

[Andre]

I was not versed in selling on ebay and all that. And in our town, nobody knows what the hell a computer is. Electronics, do not move.

[Caleb Hammer]

Are we living in that town?

[Andre]

I've moved with family because they came here for the installation.

[Cassie]

I would like to move and go anywhere else, but clearly we can't.

[Caleb Hammer]

So why can't afford to because we.

[Andre]

Screwed up for the last five years. Like, like 10, 15 years. That's the goal to get out.

[Caleb Hammer]

10 to 15 years?

[Andre]

Yeah. I'm shooting far, but that is the goal eventually.

[Caleb Hammer]

Can you deal with it for 10 to 15 years living in this place? Yeah, you can. I'm asking you.

[Cassie]

I mean, I don't like our house.

[Caleb Hammer]

But we have a mortgage on something we don't even like.

[Andre]

She, she doesn't like, why don't we like it? But my standards are skewed. Four walls in a roof.

[Caleb Hammer]

But why would we go into debt for that though?

[Cassie]

I don't. It just, it was like a rushed kind of situation.

[Caleb Hammer]

I was rushed into a house. Why?

[Cassie]

Like, we got married and like two days later we signed the paperwork for our house.

[Caleb Hammer]

Oh, why? No one's asking the answer. Why?

[Andre]

So we looked for about a month and we had no clue what we were going for. We just wanted to look.

[Cassie]

Originally I didn't even know I could get approved for a house. And then I just went to a company and they were like, here's these houses.

[Caleb Hammer]

They'll approve anyone, forever, everything.

[Andre]

Yeah, but I mean we like, we.

[Cassie]

Did get a deal on the house because the, the person that owned you hate it. The person that owned it, money, money.

[Andre]

Wise, she doesn't hate it, just.

[Cassie]

Yeah, the person, the person that owned it, she was leaving and her contract was up so she needed to sell the house. So it was very like they knocked off like $10,000.

[Caleb Hammer]

Why do you hate it?

[Cassie]

Because there's just like a lot of cosmetic stuff that just.

[Andre]

That they hid very well.

[Cassie]

But like, we can't afford to fix it. So.

[Caleb Hammer]

How many bed, how many bath square footage?

[Andre]

Four bed, two bath, 1300 square feet.

[Caleb Hammer]

I think 1300.

[Andre]

Yeah, it's. It's small but it's a lot of rooms. Yeah. And the garage is half renovated into.

[Caleb Hammer]

A livable for Americans resellability usually want minimum 1500 if it's a single family.

[Andre]

With if the garage gets finished being converted because they already.

[Caleb Hammer]

No, you're converting a garage?

[Andre]

No, no, no. We bought it. It was already half.

[Cassie]

Had already started converting. It's half converted.

[Andre]

So once we.

[Caleb Hammer]

That's a part of the square footage.

[Andre]

No, no, that's going. Not right now it's not.

[Caleb Hammer]

You're converting the garage though?

[Andre]

Yes, we're going to eventually.

[Caleb Hammer]

But Americans obsessive over garages.

[Andre]

Fit a car in that garage. It's so small.

[Caleb Hammer]

You're making this house even harder to sell in the future.

[Cassie]

But it is. It's the only two story house and.

[Andre]

It'S a corner lot in that town.

[Caleb Hammer]

A lot of places have town no one wants to live in.

[Andre]

No, it's a military town. They have to live there. It's not optional.

[Caleb Hammer]

Why though? For the three years?

[Andre]

Yeah, a lot of people do.

[Cassie]

I have no idea.

[Andre]

Yeah, my parents just sold a house there and it took them three weeks.

[Caleb Hammer]

I think because they dramatically undersold. Maybe their house is better. I don't know.

[Andre]

No, it was a nice house, but they didn't undersell. They made a lot off it. No, no, actually they own it.

[Cassie]

Six years I was like I have no idea.

[Andre]

Something like that.

[Caleb Hammer]

Okay, what is this general merchandise we owe right now? Oh by the way, the Walmart he's. They still owe $778.35 minimum payment $4,875. Okay, what does general merchandise do is $1,341.89. We're still on a firm by the way. This is crazy.

[Andre]

Oh yeah, there's a lot of affirm. General merchandise is probably Walmart again, if I'm being honest.

[Caleb Hammer]

What the did we do? It's February 13th. Oh, the month we found out we were pregnant. We were done with our doom dumb ass spending.

[Andre]

Okay, that's the are we talking about reception date. Not when we found out. We found out in March so we.

[Caleb Hammer]

Can celebrate our sponsor. 1400 and 35 interest.

[Andre]

I have no idea what that is.

[Caleb Hammer]

We don't even know what we spent. You're at a 35.99 interest in the moment.

[Andre]

I knew what it was, but now I don't even know.

[Caleb Hammer]

Dude, this is. And a firm doesn't even tell you $9 cents. Yeah, monthly and you don't even Know what the it's for within this past year. I know what I've spent money on this year.

[Andre]

I believe you. You're smarter than me.

[Caleb Hammer]

It's not even about that. I'm like in the.

[Andre]

In the moment. I probably thought it was important, but I couldn't tell you now what even the hell it was.

[Cassie]

So I have absolute. I don't know.

[Caleb Hammer]

Hi listen here Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below the first one I've moved my investments to webull do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your Iraq. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three automate your investing with acorns usually sign up incentives are only five bucks but you get $20 with my link number four, you can increase your income and boost your resume with a course career certification. 5 if T Mobile is good in your area, switch to helium. Get a literal zero dol or a month phone plan for the same exact service. But most importantly go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com you will not regret any of these change your life today.

[Cassie]

Like I couldn't take what it is.

[Caleb Hammer]

For sure so good man.

[Andre]

Yeah.

[Caleb Hammer]

$67.09 payment on a monthly basis spent 1341 but of course I am halfway through paying this off yet we owe a total of 1,563. This one's probably closer to like 20% but even still it's horrible in every way whatsoever.

[Andre]

Yeah.

[Caleb Hammer]

You were banned from a firm.

[Cassie]

Yeah.

[Caleb Hammer]

Good. Why?

[Cassie]

Because I had probably like I don't know 1800 or 2000 in and I'd I didn't pay it so into collections I couldn't afford to pay it.

[Caleb Hammer]

Wrong with you guys. You just happening.

[Andre]

You don't have time for that list bending's insanity.

[Caleb Hammer]

Yeah you're spending. This is some of the most ridiculous spending I have seen on this show. Spending alone spending not even talking about the Debt. Not even talking about debt to income. Not even talking about any of that spending alone. Some of them most insane y beh behavioral issues I've ever seen from people that are almost 30 and well within their 30s.

[Andre]

That's true. I mean, this is a joke.

[Caleb Hammer]

And of course auto pays off as they all are.

[Cassie]

I really wish I knew what that was to justify it.

[Caleb Hammer]

Oh, and this affirm spending isn't under their own account.

[Andre]

Yeah, it's under.

[Caleb Hammer]

What does that mean?

[Cassie]

Yes, he's using our roommate's card.

[Caleb Hammer]

It foring. Why?

[Andre]

It was his idea unironically.

[Caleb Hammer]

What?

[Andre]

Yeah, yeah.

[Caleb Hammer]

What was the conversation around this?

[Andre]

So I can't go into too much detail about it because it's his personal.

[Cassie]

Stuff, but basically he couldn't use a firm. So.

[Andre]

Yeah, I couldn't use a firm and.

[Cassie]

I couldn't use a firm.

[Andre]

I destroyed my credit a long time ago. I was. I was good with credit long time ago.

[Caleb Hammer]

But you can rebound it quickly.

[Andre]

Well, so, okay, let's dive into this. All right, So I was good with credit for most of my life and then mental issues happen and I had a bad situation when I was living in Washington state and I had to bail on a lease for an apartment. And I only just a couple months ago got that pulled off my credit by disputing it. So that's why I moved back towards family because I was having mental issues there. And that's a lot of things.

[Cassie]

We couldn't use the firm for me because I'd already been like, I already had that in collection, so I couldn't use a firm. He couldn't get approved for a firm. So we. He had. He had all roommates checked to see if they could get approved.

[Andre]

Yeah, because they told me the opposite.

[Caleb Hammer]

Of like being able to have debt. You can't even have that, honestly. And I recommend usually that most guests get Fizz, the debit card that builds credit. I don't even want you guys to get. Yeah, I don't trust you to do anything. I don't trust you to do anything. I'll get you that. I'll get you course career certifications, all that to build income. I'll get you guys on helium. If T mobile's in your area. We'll help you save all the money. But I wouldn't even use the Fizz card for you specifically because you're just so. You're just beyond, man. You're just beyond. This is just crazy. Let's continue down the stack. Okay. Cyber power PC.

[Andre]

Oh, that's the one. Yeah, that company. So that was my it. We're not having a kid purchase. And they sent it with.

[Caleb Hammer]

So let's get a goon machine. I'm confused.

[Cassie]

His computer was old, and I had told him, I'm like, you have what's old?

[Andre]

Like his old old. It was like a 1050, not ti. It couldn't run anything.

[Cassie]

And I told him.

[Andre]

Not even YouTube?

[Cassie]

Well, I had said, you know, you. You know, you never buy anything for yourself. You're always buying stuff for me. I was like, why don't you go ahead and just splurge and buy yourself.

[Caleb Hammer]

$3354 is a nice computer.

[Andre]

Yeah, it sure should have been.

[Caleb Hammer]

What?

[Andre]

Oh, that company needs to burn to the ground. So they sent me it with a bricked graphics card. Right. And then I RMA'd the graphics card. They sent back a bricked graphics card. I RMA the graphics card again. Then they sent me a bricked graphics card. And then I was out of my RMA window with them.

[Caleb Hammer]

Okay.

[Andre]

And I tried to run the serial number through gigabyte. No flame to them. They're fine. But it was. They couldn't. It didn't even come up as if it had an RMA through them or anything. So Cyberpower screwed me on that. So I sold it four parts, and now I have.

[Caleb Hammer]

Did you not file the dispute with your credit card card?

[Andre]

Well, with a firm I can't because the rest of the computer is fine. So they're saying the purchase is fine? Yeah.

[Caleb Hammer]

A firm saying that?

[Andre]

Yes. Yeah. No, it's. It's.

[Caleb Hammer]

I battled that, but.

[Andre]

So now I have a 3300. I think it's like 3900 after the interest. Computer with the fastest possible processor you can have in a computer and a 2060 graphics card.

[Caleb Hammer]

30 series are pretty cheap these days, but obviously you can't. No, no, no.

[Andre]

I just. I just put in what we had in the house. I'm not. Not dealing with that.

[Caleb Hammer]

Oh, good, good. Well, that's actually a proper decision, but, yeah, it's just getting. This was alone was absolutely ridiculous. $3354.80 is what was spent, but you're going to spend a total of $3,914 on this. And it's didn't even work. It's broken. Minimum monthly payments alone. You're doing a car payment on this PC Tower. $326. 19.

[Cassie]

Yeah.

[Andre]

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[Caleb Hammer]

Apply probably again 20 to 30 interest rate of absolute moronic insanity. But how often do you guys actually even game?

[Andre]

Every day? Constantly.

[Caleb Hammer]

Okay. What are you playing?

[Andre]

A lot of free to play. Yeah, my main crack is League of Legends.

[Caleb Hammer]

Okay. So are you buying in game?

[Andre]

No. No. So I used to. I was addicted to it when I was like 19. 19. Yeah. I. Yeah, I had a lot of money when I was 19 and really no bills, so I spent a small house worth on skins.

[Caleb Hammer]

On skins? How much?

[Andre]

Like 92,000.

[Caleb Hammer]

$92,000 on. In game skins?

[Andre]

Yeah. That's the best part is I don't have any of them anymore.

[Caleb Hammer]

When you were 19.

[Andre]

Yeah.

[Caleb Hammer]

Did you sell them?

[Andre]

No, I got banned.

[Cassie]

He lost the account.

[Andre]

So now I am not toxic on a video.

[Caleb Hammer]

How are you banned?

[Andre]

Don't be toxic. Get kids.

[Caleb Hammer]

No be toxic in video games. Stop banning people. We need to bring back toxicity.

[Andre]

So that's the thing, right? Like if, if I had said something racist or hate speech or any of that, I would have been fine with the band. But it was really just me being an. Which is. I think that you shouldn't be sensitive enough like that on a video game.

[Caleb Hammer]

No, you shouldn't. I saw. I saw a woman on Twitter complaining after she grenaded herself in CS Go. That people are trash talking her and then she got them all banned.

[Andre]

Yeah, yeah. That's ridiculous.

[Caleb Hammer]

Hey, if you play video games, stop being a. Start throwing out the.

[Andre]

Yeah, yeah.

[Caleb Hammer]

In the Xbox Live group chat.

[Andre]

So I found out that slur is an immediate ban with no anything on League of Legends now.

[Caleb Hammer]

Well, I mean I wouldn't say because that's.

[Andre]

I found it out on a. It's a. By the way, it's a thing to.

[Caleb Hammer]

Say but let's stop being go. When did gaming become so pussified?

[Andre]

Yeah.

[Caleb Hammer]

I'm so confused. And we've listen at 19 so 40 years later.

[Andre]

Yeah.

[Caleb Hammer]

By the time you would have retired, that $95,000 that you spent would have been worth 2.3 million you.

[Andre]

If.

[Caleb Hammer]

If invested in the overall stock market, you spent $2.3 million on gaming skins.

[Andre]

That I don't have anymore is my favorite and is you were banned for.

[Caleb Hammer]

Saying the N word.

[Andre]

I did not say the N word.

[Cassie]

I have spent money on Valerant for him for some skins and he doesn't even play that game.

[Andre]

That's my anniversary gift. Every year is one skin on Valerant. Cuz I don't like physical things.

[Caleb Hammer]

I'm a game gooner. But what the.

[Andre]

Like physical things. I don't like owning physical things. So she just gets me a skin every year on Valerian.

[Caleb Hammer]

A blow job.

[Andre]

That's part of it. Rude.

[Caleb Hammer]

This is crazy, man. Yeah, and I'm mostly joking about the game thing. Well, we do have to stop being so sensitive. It's weird to get banned for just being a little bit of a troll. What the.

[Andre]

So. And it was usually just.

[Caleb Hammer]

It's so stupid. It's so stupid.

[Cassie]

Everything's supposed to anywhere near.

[Andre]

Yeah. League has become more soft than Call of Duty in that sense.

[Caleb Hammer]

Something. This is a crazy purchase and you're still going to be paying on this forever, so.

[Andre]

Oh, there's the.

[Caleb Hammer]

Okay. What's this?

[Andre]

That's the laptop.

[Caleb Hammer]

What's. What account is this?

[Cassie]

That's my after pay. It's like Clara, but one pay. One pay through Klarna.

[Caleb Hammer]

What? What even. What is that? Explain that to me. I don't even know what that klarna.

[Andre]

Re branded 14 times. I don't know. Yeah, so it comes up.

[Caleb Hammer]

I've never heard of one pay.

[Andre]

It. It came up as one pay through Klarna or something through Walmart.

[Cassie]

He bought it through Walmart. So it's like a. It's like a firm. It's a monthly pay. You know it's a monthly pay.

[Andre]

Yeah, it's the same thing.

[Caleb Hammer]

It's okay. And this is a laptop?

[Andre]

Yes.

[Caleb Hammer]

Whose laptop?

[Andre]

Mine.

[Caleb Hammer]

The.

[Andre]

Is it 4050i7. It's.

[Caleb Hammer]

Why you got it.

[Cassie]

To play. To make maps for DND campus.

[Andre]

Yeah. And I've already put over 200 hours.

[Caleb Hammer]

You already have a desktop.

[Andre]

Yeah. Let me pick that up and take that with me when I'm.

[Caleb Hammer]

No, you can send yourself the damn map. Can you not on a cheaper device?

[Andre]

You cannot edit it on. It uses the RAM in your. Your computer and on your graphics card to make it. I'm generating actual assets. Yeah.

[Caleb Hammer]

Oh my. What a ridiculous excuse for buying this thing. How much was it?

[Andre]

Eight fifty. So I think it's 1,000.

[Cassie]

Yeah.

[Andre]

Yeah. It's like a last week.

[Caleb Hammer]

You?

[Andre]

Two weeks ago.

[Caleb Hammer]

Good. What is wrong with you? I thought we were trying to take this seriously. Now you're getting on her at the beginning you're getting on her. Maybe you should have put it in her so we don't have a kid coming with this kind of behavior that's happening. What the. You going out and getting a 4080 laptop.

[Andre]

I did tell you.

[Caleb Hammer]

Laptop.

[Andre]

I did tell you. Recent. You say 4080. No, no, no.

[Caleb Hammer]

You told me 40.

[Andre]

I said 4050.

[Caleb Hammer]

It's still ridiculous.

[Cassie]

This is after he sold our two gaming laptops that we had.

[Andre]

No, I sold one that was breaking.

[Cassie]

Oh, yeah.

[Caleb Hammer]

You guys don't even know what's happening in your own household.

[Andre]

I know what's happening in our house.

[Caleb Hammer]

I don't even know, man. Yeah, ok, you're not so. That's even worse. You're not ignorant. You're just choosing to do this.

[Andre]

Yeah.

[Caleb Hammer]

What the. Come on. Bull. This D and D thing is such a cope. Come on.

[Andre]

What do you mean it's a cope? I mean it's accurate. It's happening. I have 200 hours on the laptop in three weeks.

[Caleb Hammer]

Dude. What the. Spend 200 hours going and working and paying down this debt. I do.

[Andre]

I can't work more than 40 a week. That's not how government installations work at that job. Any other job on that installation. I cann.

[Caleb Hammer]

On that installation.

[Andre]

Yes, that installation. No, that installation is.

[Caleb Hammer]

You're telling me there's not one business in the entire city?

[Andre]

Yeah, there's a buffet. That I won't say, but they offered me 12 hour shifts, $7 an hour. No breaks, no lunch, no overtime, which is illegal. No overtime past eight hours a day. Good.

[Caleb Hammer]

Su make a lot of money. Dude. I don't care. You need an other job.

[Andre]

It's all fast food places and that's it. And a Walmart.

[Caleb Hammer]

Good.

[Andre]

I've. I've interviewed for fast food places over.

[Caleb Hammer]

To stock shelves at night.

[Andre]

Dude, I. I am actively looking for a job and right now and indeed says they have them all, but. And then you go talk to them or you call. Nothing. No callbacks, nothing. I've been applying for six months now to try to get a second job for weekends.

[Caleb Hammer]

Yeah, there's food all over the place. There's a hobby lobby.

[Andre]

Yeah, I. I've applied to every place that's posted right now.

[Caleb Hammer]

Restaurant, Saloon, Jersey, Mike's. We got.

[Andre]

Yes, I've applied to everywhere on there. I have over 600 pending applications.

[Caleb Hammer]

Yeah, but your application's probably. If we're being completely honest, because what you're doing is you're likely talking about all the experience you have, which makes it look like you're only going to get that.

[Andre]

No, no. Only do a limited. Like last.

[Caleb Hammer]

What do you do?

[Andre]

Four years.

[Caleb Hammer]

Yeah. But it shows your experience of the jobs that you're likely trying to do. So it shows that you are probably just going to accept their.

[Andre]

I tailor my experiences to what.

[Caleb Hammer]

Tell me, what does it say?

[Andre]

So I have 12 years of chef experience. So when I'm applying to a restaurant, I put that. I specify my experience to the job I'm applying for.

[Caleb Hammer]

For got Verizon at and T. I don't want to hear this. Cricket. This. This is just a normal town, man.

[Cassie]

He tried.

[Caleb Hammer]

He tried. There's a Goodwill carpet store, furniture store. This is just a normal.

[Cassie]

He tried to get a job at Verizon when I worked there, but they Barber shop.

[Caleb Hammer]

He wouldn't be able to work there. There's a family dollar. They'll. They'll hire everyone.

[Andre]

Yeah, I have, I have a lot of applications out right now pending and I'm just not.

[Caleb Hammer]

Because that's what I would.

[Andre]

Calling. Calling and following up.

[Caleb Hammer]

Keep grinding.

[Andre]

Keep grinding. Yeah, I'm to trying, trying.

[Caleb Hammer]

Well, I appreciate that fact. But that's what I would be doing instead of the.

[Andre]

Yeah, yeah, I want. I want a second job off instance.

[Caleb Hammer]

But this is just a normal town. Come on. This is just.

[Andre]

It's very. Not a lot of those buildings are closed or run down or these are open businesses.

[Caleb Hammer]

I have them in front of me. I'm.

[Andre]

Yeah. And they have. They've had the same three employees since 1492. I'm not joking about that. I am applying though. Yes. And I am trying and following up. I'm even applying in the town 45 minutes away if I have to. I'll drive on the weekend. I. I promise you I am trying. Yeah.

[Caleb Hammer]

Okay.

[Andre]

Sus. That's fine.

[Caleb Hammer]

Okay. So laptop 55.

[Andre]

70 something.

[Caleb Hammer]

Yeah. Well, yes. The. The minimum C payment is 55.77 that we got two weeks ago when we well know we're pregnant at that point.

[Andre]

Yes.

[Caleb Hammer]

So DND is more important than our kid?

[Andre]

No.

[Caleb Hammer]

Well, behavior suggests that it is $1,002.74 owed.

[Andre]

And I did.

[Caleb Hammer]

And your thoughts on him and going and just buying this?

[Cassie]

So I tried to like give him options. I was like, well, I have an iPad you could try to do on the iPad and then go work on an iPad.

[Caleb Hammer]

Yeah, it wouldn't work on an iPad, but I'm vibing with that. But go ahead. What did you think about his purchase?

[Cassie]

And like I was telling him that maybe he should wait until we got some stuff paid off first.

[Caleb Hammer]

It makes sense. And he said, what's wrong with that solution?

[Cassie]

He said, well, nothing. I'll give it a day to think about it. And then five minutes later he's like, hey, I need all your stuff because it's under my name.

[Andre]

So that was probably the dumbest, most rushed decision I've ever done in my life.

[Caleb Hammer]

And it's just two weeks ago, which makes me terrified going forward from here because, dude, no one changes in two weeks. I'm sorry. We have changes over the course of a year, two years, but no one changes in two weeks.

[Cassie]

Yeah, I tried to talk sense into him and then he was like, yeah, I'll think about it. And then he was like, no, I'll just do that.

[Andre]

Tried to talk sense to me. She sent me one text saying you can use the iPad. And then I said, which acknowledged by you that would not have worked for their use case. But that was the only text she sent. That was it. Oh, and then she sent the text with the code for me to try.

[Cassie]

CORA so that he could.

[Andre]

That was it. She. She's saying she fought back. She did.

[Cassie]

He needed the code so he could go ahead and make the purchase under my name.

[Caleb Hammer]

Here. Here's another PlayStation. A separate PlayStation. Is this a new PlayStation?

[Andre]

No, that's old P. PlayStation.

[Cassie]

That was his first one.

[Andre]

Is that one.

[Caleb Hammer]

I thought you never get yourself anything or.

[Andre]

No, I. I didn't get that for me. That's the one. Is that affirm still?

[Caleb Hammer]

I don't know.

[Andre]

Dude, these are screenshots. That's the one my roommate got for me. They're paying that. That's not me. I'm not paying that.

[Caleb Hammer]

Why do I have the statement?

[Andre]

Okay, because it's in. It's in my name.

[Caleb Hammer]

Oh, for.

[Andre]

But he has not missed a payment and.

[Caleb Hammer]

Oh, I got to put it on. I won't put them in a monthly payment towards. Still in your name.

[Andre]

Yeah, if he bails on it, it's.

[Caleb Hammer]

Why did he buy. Why. Why is he doing this?

[Andre]

Well, so I was going to go cash flow myself a PlayStation at the time and then she made an offhanded comment about how she wanted an Xbox Series X. So I spent that money on her Xbox and my friend felt bad, so he.

[Caleb Hammer]

Good. Still is. $102 and 3 cents.

[Andre]

Yeah, I believe it's two payments, I think.

[Caleb Hammer]

Yeah. Monthly payment is 76.81, but I'll put it in parentheses. That's he just.

[Cassie]

Roommate box, so.

[Caleb Hammer]

Oh, God. Okay. Crazy, crazy man. Tell me this. What. What am I seeing? This is a lease agreement for something.

[Cassie]

That'S probably the Xbox.

[Andre]

Maybe the Xbox come next.

[Caleb Hammer]

The total. Well, you. It was a cash price of 1126 more than any Xbox I've ever seen. So.

[Andre]

Yeah, that was probably the Series X.

[Caleb Hammer]

Yeah, I have a Series X. I did not spend twelve hundred dollars.

[Andre]

Yeah, it's Aaron. Predatory as hell. Wait. Wait till you get to the errands that we almost got a divorce over. That's the point.

[Caleb Hammer]

The, the, the, the, the. The errands.

[Andre]

Yeah.

[Caleb Hammer]

Well, what does that mean?

[Cassie]

There's more.

[Andre]

There's more.

[Caleb Hammer]

What is an Aaron?

[Andre]

Oh, it's like a rent to own a center. 50 to 70 APR. It's great.

[Caleb Hammer]

70.

[Andre]

Yeah.

[Caleb Hammer]

Xbox.

[Andre]

Yeah. Aaron's is predatory.

[Caleb Hammer]

It's great predatory that you keep coming back to.

[Andre]

No, that was all within a Predatory.

[Caleb Hammer]

I don't want to hear that you chose to do.

[Cassie]

Not anymore, once we're done with it.

[Caleb Hammer]

But yeah, yeah, we'll see. I don't know. These statements scream you guys will be poor forever because you.

[Andre]

Yeah, the difference is one of the errands we unironically almost.

[Caleb Hammer]

The difference is you just went and affirmed a laptop for $1,002 at 30% interest. I don't want to hear it. It's not like behavior is dramatically changed by any means. Sure. We went from 50% interest to 30. You're still getting absolutely up the. Okay, so Xbox. Great. $263.37. Remaining monthly payment of 87. 79. Are you guys paying for. This is. The other guy is us.

[Cassie]

Let's see.

[Caleb Hammer]

Okay.

[Andre]

Everything else Aaron's is us. Just that one isn't.

[Caleb Hammer]

Crazy. This is insane. This is like the Final Boss episode again. We might call this the Final boss again because this is absolutely insane. This is every debt that has ever existed. Lindsay, Are we gonna do a fat stack week again? Because we're here. This is. This is insane. I don't know if we have enough for it. But I mean, just listen to that. And this is half the stack. That's half the stack. Debt to friend.

[Andre]

Yeah.

[Caleb Hammer]

Why? If. For what? When, where?

[Andre]

How? That's the wake up call. Because emergency fund would have really been nice at that point because our water.

[Caleb Hammer]

Heater blows is at 70% interest.

[Andre]

Our water heater blew up.

[Caleb Hammer]

Your friend paid for your water.

[Andre]

I paid what we had in our savings, which was 600. And then I needed the other 1100.

[Caleb Hammer]

Your roommate y pouring from your tenant.

[Andre]

Yes.

[Caleb Hammer]

You're borrowing from your tenant for a Water. Hot water heater so that your tenant can have hot water.

[Andre]

Yeah.

[Caleb Hammer]

That is insane.

[Andre]

That is the catalyst that started the meltdown.

[Caleb Hammer]

When was this?

[Cassie]

The beginning of the summer.

[Caleb Hammer]

So you still got a laptop after that. Which would have paid him off.

[Andre]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows exclusive and uncensored financial audit episodes. Episodes Our call in show. Hammer it out.

[Caleb Hammer]

Well then take the train. Yes.

[Andre]

And brand new shows. Fat and fatter.

[Caleb Hammer]

There is that one.

[Andre]

I would go off brand behind the audit.

[Caleb Hammer]

This was wild.

[Andre]

Shop smart. And now upgrading from one live stream a week to two. Do no other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.

[Caleb Hammer]

That's disgusting.

[Andre]

Yes it is.

[Caleb Hammer]

That is selfish.

[Cassie]

Which he said. He was like, oh, you don't have to worry about paying me. Like pay me back.

[Andre]

Yeah. He's being very.

[Caleb Hammer]

Are you on a monthly thing with him? How does this work?

[Andre]

He wants us so I'm going to do. How does he even trust me all the time? I'm going to do the snowball. And he. I told him I was going to put home him towards the front and he said just put me at the end. He's. He's been very nice about it and I.

[Caleb Hammer]

Why does he trust you based on anything you guys have ever done?

[Andre]

Cuz I saved him from being homeless.

[Caleb Hammer]

Yeah, you did. A kind gesture. But how does he trust your finances?

[Andre]

Cuz I've known him for like 15 years and he's. He knew me before the spiral when I was financially stable.

[Cassie]

This.

[Caleb Hammer]

They don't know it's this bad.

[Andre]

Oh, they. He does. 100%. Yeah.

[Caleb Hammer]

In. In detail?

[Andre]

Yeah. Yeah.

[Caleb Hammer]

Why?

[Andre]

Because I've known him for 15 years and he's who I talk to about everything.

[Cassie]

Okay.

[Andre]

He's like my brother and I think he sees me the same way he says he does. I don't know.

[Caleb Hammer]

He knows he wouldn't got this laptop. He was like him do it.

[Andre]

Yeah, he's in my. He's in my DND.

[Cassie]

To him, whenever he bought it, he's.

[Andre]

In my DND campaign.

[Caleb Hammer]

Good.

[Andre]

It's a dysfunctional functional household who has.

[Caleb Hammer]

8,000 hours of student loans.

[Cassie]

That's me.

[Caleb Hammer]

Are they federal?

[Cassie]

Yes.

[Caleb Hammer]

Okay. For what?

[Cassie]

When I was going to college.

[Caleb Hammer]

For what?

[Cassie]

I changed my major like four times. So I have.

[Caleb Hammer]

Did you get a degree? Okay. You dropped out?

[Cassie]

Well, I was going. I was going to. I was trying to finish my basics and then try to go for the nursing program. But then I didn't have the money to pay for the semester, so I couldn't. I can't go back until I pay this semester.

[Caleb Hammer]

What's your payment? And 100 bucks a month, your minimum.

[Cassie]

Something like that. But. But those.

[Caleb Hammer]

But why are you even paying them?

[Cassie]

No, they just came out of forbearance like four months ago.

[Andre]

And she didn't tell me about.

[Caleb Hammer]

Why aren't you paying them if they just came out of forbearance four months ago?

[Andre]

Yeah, she didn't tell me. So it wasn't even in the budget. I found out when we were calling for the show.

[Caleb Hammer]

You know, they're about to be in default pretty damn quick. The government will contact your employer, of which, trust me, they know who they are, and they will take your pay before it even hits your account. It's called garnishment. Yeah, that's what's going to happen.

[Andre]

Yeah. So I found out three days today. Yes.

[Caleb Hammer]

We likely will have a back payment of like 500.

[Cassie]

Yeah, I think it's like I had.

[Andre]

Her look into it. And we get paid tomorrow and we're jumping on it because I did not know they were out of for a moment.

[Caleb Hammer]

I'm going to assume it's $100 payment on a monthly basis, but you're going to have to make up for it. I don't know how you're going to pay for that makeup.

[Andre]

I just sold that Xbox and that when that money hits the economy, man.

[Caleb Hammer]

We still all on the Xbox, but.

[Andre]

I'm literally gonna skin on my teething it. Yes, but that is very important and I didn't know it was out of for a moment, so I need to jump on that. So we're gonna skin up our teeth it for a little bit longer and hopefully get somewhere eventually.

[Cassie]

But I was kind of hoping I could like, start school back up and not have to worry about it.

[Caleb Hammer]

Why? Why is that always the excuse? That's for the laziest motherf ers that are.

[Andre]

Why?

[Caleb Hammer]

This is a hundred dollar payment. Go make money, start a career. You're a mother. Almost.

[Cassie]

Yeah.

[Caleb Hammer]

Why? Why is it go back to school to avoid $100 payment? So you're going to balloon your debt even more and then always defer it by going back to school endlessly. And now the student loans are different anyway. New student loans you take out are not as forgiving anymore. They're still very forgiving. For what it's worth.

[Andre]

It's worse than that because she already Went back to school once. That's why they were in for low men for so long. Because she stopped going to school before I even met better. And then she went back once already, and I was like, yeah, she's gonna do it this time. And she made it a quarter of a semester and just didn't go back again. And now she wants to do it again. So that's. My trust issue is like, why would. Why would I pay this so you can go back just to not finish again?

[Caleb Hammer]

Yeah, it's a good question. Why?

[Cassie]

I mean, I don't plan on trying to go. I say I wish I could go back. I don't have like immediate plans to go back or anything. I just.

[Andre]

Okay, that's the same.

[Caleb Hammer]

They're telling me whatever next statement is. I. I need your phone or something. It's Star card.

[Andre]

Oh, yeah, yeah, yeah. Because we can't really get statements for that because it never loads and doesn't do anything. Right.

[Cassie]

We can't print them.

[Andre]

Because everything run by the government runs perfectly efficiently.

[Caleb Hammer]

This is by the government.

[Andre]

Yeah, it's a installation only credit card for like their base exchange and all that. That. And it's the worst thing in my life.

[Caleb Hammer]

Is that not known to be effective? That is true. Oh, and you have a second star card, but it's in collections. Why would they give you another one? What the is that?

[Cassie]

So this one is. This one is mine.

[Caleb Hammer]

The one collection one is his.

[Cassie]

Before we even. Before we even got together. That was his.

[Andre]

Yep.

[Caleb Hammer]

Sake. What the are we doing? What the are we even been doing? Okay, here we go.

[Cassie]

Yeah, you can do whatever you need.

[Caleb Hammer]

To on that screen. Recording. Thank you. Oh, my.

[Andre]

Yeah.

[Caleb Hammer]

This is insane.

[Andre]

Yeah, that one is aggressive.

[Caleb Hammer]

This is insane. How do I. How long? What the.

[Cassie]

I haven't even had it a year yet.

[Caleb Hammer]

2005. Huh?

[Andre]

No, it's been over a year.

[Cassie]

Has it been over a year? I can't.

[Caleb Hammer]

Yeah, probably just $3,596.90.

[Andre]

Yep.

[Caleb Hammer]

What the is happening?

[Andre]

So that is.

[Caleb Hammer]

Oh, this is. Oh, it's a. The troop. Star. Troop store. Troop store.

[Andre]

Yeah, like a crappy Walmart attached to a gas station. Yeah, that's what the store is.

[Caleb Hammer]

What's the minimum monthly payment?

[Andre]

Typically it's 85, but I do 100 every.

[Caleb Hammer]

Well, I'll do 85 because I don't know why we put a little extra to it. That doesn't make any sense. That doesn't. That's not involved in any debt payoff strategy.

[Andre]

Yeah.

[Caleb Hammer]

Well, what the are we Doing, man.

[Andre]

Struggling. I say again.

[Caleb Hammer]

Yeah, by choice.

[Andre]

Yes, it's by choice, but struggling.

[Caleb Hammer]

You guys used to use the star card to buy electronics.

[Andre]

Everything.

[Caleb Hammer]

Switches and stuff.

[Andre]

Yeah, everything he bought him.

[Caleb Hammer]

He bought.

[Cassie]

He bought a switch.

[Andre]

Yeah.

[Cassie]

For himself.

[Andre]

Which, which I use.

[Cassie]

He bought me an Apple watch.

[Andre]

And then. Yeah, her Apple watch.

[Cassie]

He bought me a laptop.

[Andre]

Oh, guys, that was the school laptop. It was a little $300 dinker that she doesn't use at all.

[Caleb Hammer]

Switches, Apple watch, TV laptop, video game headsets and other switch. Maybe this is.

[Andre]

Yep.

[Caleb Hammer]

Okay, okay. Crazy. Your guys's behavior. This is some of the most insane behavior I've ever seen in terms of spending. Tell me. The collections, the star card collections.

[Andre]

So that one is fun. It's more of the same. And then it went to collections and they took our tax return to pay it off.

[Caleb Hammer]

Yeah. Because it's government, right?

[Andre]

Yeah. And it went down to 16 on it. Never told me, never called. I tried to call them. Nothing. They never told me anything about it. And the next year they took it again. Still didn't pay it off. Cuz apparently in that year of interest, it accrued back over what it was at. And so now it's back.

[Caleb Hammer]

Did you not check karma or something?

[Andre]

It's not, it won't show up on there. I don't know why the star card will not show up on there. And when I try to call them.

[Caleb Hammer]

Is it on your credit?

[Andre]

Yeah, it, it shows up, but it won't show me the amount. The, the balance updates like once a year. So what's owed on it right now? 1800, I think. Ish. Yeah, it just racks up so, so fast. And they're supposed to be low interest. That's their whole selling point. And then I went to collections and they were like, ah, no, it's like.

[Caleb Hammer]

800 about this, man.

[Andre]

Yeah. And when I try to call them, when it's a big balance, I'm like, hey, can I do a payment plan or something? They're like, we only take two payments or three. That's it. So I would have to get on that because it's like $900. So I'm, I always try to push it off and try to justify it. I say, oh, yeah, yeah, when I can afford that. $900 every paycheck.

[Caleb Hammer]

But yeah, yeah, so we'll call it 600. I'll put it in parenthesis.

[Andre]

Oh, I'll call back when I can afford it. But I, I never can. So I never call back. So that's been the big thorn in My side is how it keeps racking itself back up after our. And I can't get a hold of them after they take our tax return.

[Caleb Hammer]

So many sus. Things in this conversation.

[Andre]

Dude.

[Caleb Hammer]

I don't know. It's just. It's hard for me to fully.

[Andre]

That's fun. I don't expect you to believe me. 100. But that's not 100 believing.

[Caleb Hammer]

It's just like. Like, I just don't know what's true. Not as a lie, but as a. Like, what the going on. Not exaggeration. I just don't think we know what's going on here. We don't have, like, statements.

[Andre]

Yeah, I can't.

[Caleb Hammer]

We don't have statements.

[Andre]

I tried to print statements for the Star cards so many times, it won't open.

[Caleb Hammer]

Then again, if you're choosing not to do these, like, three payments, like 600 at the lowest you're going and getting the $1100.

[Andre]

Yeah.

[Caleb Hammer]

Laptop two weeks ago. So, like, sympathy out the door.

[Andre]

Yeah, I'm not expecting sympathy. It's just. Just I've been jumping through hoops for this damn Star card for.

[Caleb Hammer]

You could have finished it.

[Andre]

I. I could have. Yeah.

[Caleb Hammer]

Multiple times.

[Andre]

Yep. And I never look at you got.

[Caleb Hammer]

The gaming PC in.

[Andre]

December.

[Caleb Hammer]

Okay. That would have more than paid this off multiple times over.

[Andre]

But I didn't buy it. I mean, now it would have with the payments, but I mean, like, I didn't put anything towards it up front. It wasn't.

[Caleb Hammer]

I know, but it still works. I know the money.

[Cassie]

That's.

[Andre]

That's the problem is it's like, oh, well, we want this. Okay, cool. We'll pay exponentially more and waste our time for the next two years instead. And it just seems easier on paper. And then before you know it, you're getting railed from behind. It's great.

[Caleb Hammer]

Okay. Credit one. Indicative of having the worst finances imaginable.

[Cassie]

Yeah, that's mine. Okay, well, I don't use it.

[Caleb Hammer]

I got maxed out.490. You don't use it, but it's maxed out.

[Cassie]

He uses it. I don't. Oh.

[Caleb Hammer]

What the.

[Andre]

The.

[Caleb Hammer]

Why?

[Andre]

Yeah, that's almost.

[Caleb Hammer]

That's like crazy.

[Andre]

Yeah, I can almost guarantee that one's all gas, food.

[Caleb Hammer]

Why credit one, though, dude?

[Andre]

Interest and fees. Like, oh, because she applied for it and they gave it to her and she gave it to me. Yeah, I. I didn't know the interest rate it was insane.

[Caleb Hammer]

29. But listen, it's at $490.

[Cassie]

And that was going to be like our four emergencies.

[Caleb Hammer]

$118 in fees this year so far. $77 of interest, $30 minimum payment. Crazy.

[Andre]

Yeah.

[Caleb Hammer]

Okay. Capital One Union plus credit card.

[Andre]

There's two of those.

[Cassie]

We. I have one and he has one.

[Caleb Hammer]

Okay. Who's is this? What's the balance is $495.

[Andre]

That's mine.

[Caleb Hammer]

So I. I think I got minimum payment $25. Oh we're still purchasing on a card that we cannot minimum payments two years alone to do.

[Andre]

What's the charge on it?

[Caleb Hammer]

I don't know. I'm about to find out. Interest 11.49 is accruing. Why the are we spending on a car that we cannot even come close to paying off?

[Andre]

I don't know if we're trying because my union auto. I can't turn that off. I've tried.

[Caleb Hammer]

No, you can transfer it to a different device to a different thing.

[Andre]

Yeah, I'm trying to but local. Yeah that's the union and I've tried to cancel it. I've tried to transfer it but our union did tell.

[Caleb Hammer]

Then tell the credit card not to accept this anymore.

[Andre]

I did. Now I don't. Did I promise. That's. No. That's a whole problem cuz our union is going through a bunch of crap.

[Caleb Hammer]

Also we've had a late fee this year.

[Andre]

Yes.

[Caleb Hammer]

$33.71 of interest accrued.

[Andre]

Yeah, that's the. The union thing. It's like our whole government crap is messing with the union so I can't get a hold of anyone to like mess with my.

[Caleb Hammer]

We can't get a hold of anyone for anything with the government.

[Andre]

No. Zero percent chance.

[Caleb Hammer]

This is.

[Andre]

Which is crazy cuz usually when they want your money it's pretty easy.

[Caleb Hammer]

27.49% interest on this.

[Cassie]

This.

[Caleb Hammer]

Okay. Now you're Union Plus.

[Cassie]

Yeah.

[Caleb Hammer]

Okay. You owe $306.63. The limit's three. You're over the limit. You're over. What are we doing? This is just. You're hitting every financial auto milestone you could possibly hit. 35. $25 minimum payment. Yeah. You purchased. It was at $360. You're already over. And then after you made a payment you purchased $30.98. Then it just grew to 7 hours and 5 cents pushing you well over.

[Cassie]

Subscriptions like YouTube and stuff like that.

[Caleb Hammer]

But why is it on a credit card?

[Cassie]

I. I took those off so they're not well good.

[Caleb Hammer]

I'm glad everyone's done everything. The statement right before coming on the show where their finances are going to Be criticized. Who would have thought? But yes, it's Apple.

[Andre]

That wasn't even moved over in preparation for the show. It was moved over to the joint account because it's under bills.

[Cassie]

Yeah. So it's just my.

[Caleb Hammer]

This just happened.

[Andre]

Yeah. Yeah.

[Caleb Hammer]

27.49 interest.

[Andre]

We just got the joint account.

[Cassie]

Yeah. So he put it as a bill instead of.

[Caleb Hammer]

When did the joint account and allowance start?

[Cassie]

Last month.

[Andre]

A couple weeks ago. Yeah.

[Caleb Hammer]

Oh, great. This is just collections. Collections. Collections. Collections. It looks like. No. Well, open. Open up. Okay. Yeah. So 200. Is this all collections? Whose credit karma screenshot is this?

[Cassie]

Yeah, that's mine.

[Caleb Hammer]

Are they all collections?

[Cassie]

Yeah.

[Caleb Hammer]

What the. Why? Why just so many collections?

[Andre]

No, that's. That's mine. Because it says Ally right there.

[Caleb Hammer]

Are they all collections?

[Andre]

Yes.

[Caleb Hammer]

Why so many collections?

[Andre]

Because I haven't touched anything credit wise in years.

[Caleb Hammer]

Crazy. $2,588 in collections. And I assume you're not on any payment plans for those?

[Andre]

No.

[Caleb Hammer]

Okay. Who has a 2019 Toyota Camry?

[Cassie]

That's mine.

[Caleb Hammer]

Well, it's a 14 or 12% interest rate. Crazy for you guys, this income situation.

[Andre]

Yep.

[Caleb Hammer]

It's a $26,152 balance for your guys's income situation for one car is rough, man. What do you think it's worth?

[Cassie]

Worth?

[Andre]

I think it was around 18,000.

[Caleb Hammer]

Just about. Yeah. So we're underwater.

[Andre]

Yeah.

[Caleb Hammer]

26,152.38 12 interest rate. Minimum monthly payment stacking up like crazy. Good luck making a budget at the end of this. We'll see $579.38. Crazy.

[Andre]

That's. That's the less crazy vehicle.

[Cassie]

Yeah.

[Andre]

Mine.

[Caleb Hammer]

Of course it is. Great. Can't wait. Way thrilled. Okay, what's this next car? That is the crazy Ford F150. Of course you need it for going to work.

[Andre]

We can have this fight. I use it for work.

[Caleb Hammer]

What?

[Andre]

And I do maintenance. I have to move around all my.

[Caleb Hammer]

Materials and there's no work vehicles.

[Andre]

There's one to share between all of the maintenance.

[Caleb Hammer]

There you go.

[Andre]

But.

[Caleb Hammer]

So let's not justify getting.

[Andre]

Buy a Toyota Corolla.

[Cassie]

Yeah.

[Caleb Hammer]

He doesn't fit in cars at all whatsoever.

[Andre]

And I have a. I have a fake knee.

[Caleb Hammer]

It's not like truck cabins. At the largest in the world.

[Andre]

It's massive. I have room. I can sprawl. I can put my legs straight when I need.

[Caleb Hammer]

Some SUVs have big room too.

[Andre]

I tried that. So I went to six dealerships in our town. Every single one and four dealerships in the town 45 minutes away. The only dealership that would approve me is that one. And they had that in a minivan. And I tried to do the minivan, but I did not fit in any.

[Caleb Hammer]

Way as far as 27.128.45 with minimum monthly payment, which is absolutely disgusting for your household, but we're justifying it to death. 742.19.

[Andre]

Yes.

[Caleb Hammer]

Yeah. It's worth $24,000. So we're underwater on both.

[Andre]

Yeah.

[Caleb Hammer]

Also, this is interesting. I mean, you told Lindsay that you got turned on for a nine thousand dollar car. How'd you get magically approved?

[Andre]

No, I got turned down at the dealership where they had like buy Here, pay here.

[Caleb Hammer]

10,021 interest rate.

[Andre]

Yes. That's why I said that's left. Oh, yes.

[Caleb Hammer]

Sake.

[Andre]

Yeah, you can give me the line. Sell it, get something different. I can't get approved anywhere else. That is the only dealership that approved me for anything.

[Caleb Hammer]

Once we clean up our credit, maybe.

[Andre]

Yes, once. Once it's cleaned up 100. I will go get the crappiest Ford Ranger built in 1492. That's fine. But as of right now, I will die on the hill. That. That truck is all I had. I would not have made it here for this if not for that truck. I cannot be in a. In a car. Car like her car. I can't drive it more than 10 minutes. No.

[Cassie]

Barely.

[Andre]

Nope. Economy plus. Maybe if I sit like fetal position and cry the whole way. Maybe.

[Caleb Hammer]

Yeah. It sounds like you can't do anything.

[Andre]

The story of my life.

[Caleb Hammer]

Okay, this is a mortgage. What's your house worth?

[Andre]

135, I think Zillow says 130 to 136 around there.

[Caleb Hammer]

Little equity position. Okay, then Zello's usually a little overzealous.

[Andre]

Yeah. Yeah.

[Caleb Hammer]

$96,790.50. I love the 3% rate.

[Andre]

Yeah.

[Caleb Hammer]

What's the monthly payment?

[Andre]

9 12, 32.

[Caleb Hammer]

Very curious to see how this budget it was.

[Andre]

It was 650 every year. It's just going.

[Cassie]

Jumps up.

[Caleb Hammer]

Yeah. Okay. I think we actually finally made it through the debt.

[Cassie]

Did we?

[Andre]

Yes.

[Caleb Hammer]

We used every ledger on my spreadsheet.

[Andre]

Did we?

[Caleb Hammer]

There's more collections.

[Andre]

Wait. Yeah.

[Caleb Hammer]

I have more credit cards.

[Andre]

Yeah. I don't know where her. Her collections sheet is. It should have been in there because that was only my credit. Karma.

[Cassie]

That's why I thought that one was mine. Because I thought it was.

[Andre]

Yeah. I don't know. Because I sent.

[Caleb Hammer]

But why don't I have it?

[Andre]

I. I sent in the screenshot she sent me of her credit karma.

[Caleb Hammer]

I'm pretty sure Lindsay's gonna read them.

[Cassie]

So we have her two payday loans that she stopped paying on. One for 1300, the other one for $800. He also has a payday loan for about $200.

[Caleb Hammer]

Collections or he has it.

[Andre]

No, it's in collection. Yeah, it should have been on that credit karma.

[Cassie]

Yeah, I don't. So then she has two capital one cards that are both in collections. She's a GameStop card that's in college collection for $620. A JCPenney card and collection, $655. She had to open that because there was a watch she really wanted and she couldn't afford a cash for it at the time. So opening that card made sense. She also owes Verizon almost $3,000. She had a phone, a backup phone, a tablet, and a watch, and she just stopped paying on that. Then she has a 11, $114 collection for debt consolidation. Yeah.

[Caleb Hammer]

Oh, my fuck. I don't even know, guys. You're just. This is so bad. You guys just have everything.

[Andre]

Almost all of that was pre relationship.

[Caleb Hammer]

I don't give a. I don't care. Why does it even matter if it is? Look at the debt you guys have accumulated during your relationship. It's not like, oh, so much better now.

[Cassie]

It's like I'm like, I have their affirm too. I just. I don't know why it wasn't in there either.

[Andre]

But you have an additional collection. Like I have my one that got her banned from it.

[Caleb Hammer]

Die energy balance and checking account. $52. Went and got some B.S. got some McDonald's. Chinese restaurant. Yeah, that's United Cash app. Going and getting some B.S. getting some B.S. sonic driving. Getting some B.S. mcDonald's. McDonald's getting some B.S. good. Good luck, guys. Getting some B.S. united. Getting some B.S. get. Getting some B.S. getting some BS Getting some B.S. getting Some B.S. getting some Bs Getting some B.S. mcDonald's cash app. Brom store. Taco Bell. Getting some B.S. braum store. Getting some B.S. getting some B.S. cash app out. $55 dollars off chime. I use their high yield savings account, so I do like them. But I mean, this is just like. What the is this? You ended with zero dollars.

[Andre]

Yeah.

[Caleb Hammer]

I don't know what the we're even doing.

[Andre]

Yeah.

[Caleb Hammer]

Oh, you got. Well, lovely little pay advance and pay advance and yeah, cash app and now. And pay advance. Because he's so good. Because Everything was so bad before the relationship. Like that matters. Look what we're doing now. We're pay advancing and pay advancing. Actually you can use it in a leverage way. That is actually good. But I know what the weight you do it. It's absolutely mor.

[Andre]

I did originally and then I got stuck in the cycle. Well now I have to use it again and again and again.

[Caleb Hammer]

No, cuz you weren't using it properly or else you wouldn't have gotten stuck in a cycle. There would be no cycle if you're using it correctly. I don't want to hear it. Went and got some BS went and got some BS fresh steaks. House went cash app out. $617 pay advance. Spotify Steam purchase. Great. Never get things for myself. Pay advance $92 pay advance $139 dollars. But thank goodness we're going to getting a video game. Little Caesars. Pay advance. Crunchyroll Liquor, Pizza Hut. Pay advance. Getting some B.S. pay advance 140. I'm gonna die. What is the point? Chime ending with $752.

[Cassie]

Oh, it's his credit builder card.

[Andre]

Yeah, the credit builder card on chime.

[Cassie]

Huh?

[Caleb Hammer]

Oh yeah.

[Andre]

So like all the most of the transfers back and forth are between those two cards.

[Caleb Hammer]

BS. BS going to die. Okay. What is K.C. two distribution distributors.

[Andre]

That's the cigarettes.

[Caleb Hammer]

Cigarettes. Cigarettes. Cigarettes. McDonald's going to get into BS cigarettes. McDonald's getting some BS. BS cigarettes. BS BSBs McDonald's Fred Steak's house. BS Strickland Brothers. BSBs. Sunnies death. Seven hundred and sixty three in this account. I don't even know. Transferring back and forth. It looks like Spot me. Great. Wonderful.

[Andre]

Yeah.

[Caleb Hammer]

99 in there. Kill me now. Cash app. $0. Wonderful. Money came in. Money went out. Cash app being sent. Cash up, going out. Ridiculous.

[Andre]

Sofi, that's the new join account we just opened.

[Caleb Hammer]

Personally, I've moved on from them. I wouldn't recommend.

[Andre]

Oh really? Really. Okay.

[Caleb Hammer]

Ah, it's just the. The way you get access to your money can be a bit funky and Sofi.

[Andre]

So I did not.

[Caleb Hammer]

They've made it harder and harder. They were good at one point. They made it harder and harder.

[Andre]

Okay. Yeah, I just went for the. The first one that had good reviews and all that. So I wasn't sure.

[Caleb Hammer]

Yeah. Plus their interest rates are low compared to like chime and stuff now.

[Cassie]

Yeah, we all had chime at one point but. And I was using the spot me.

[Andre]

And then yeah, we all transferred off of it because we were just habitually.

[Caleb Hammer]

Abusing the spot yeah, if you're abusing that, then you certainly can't use.

[Andre]

Yeah. So we only good for those who off of it. Yeah.

[Caleb Hammer]

Okay. 4600 comes in on a monthly bus basis. Good luck us doing this. Budget debt alone2395 also basically no. Yep. Half of our entire income. Great. Add in the mortgage now. Mortgage alone $912.32. What is our utilities? Gas, electric, trash, blah blah blah. Internet, all that combined. What's our utility facilities?

[Andre]

It's a total of 472 gas, vroom.

[Caleb Hammer]

Vroom, Drive drive for both of you.

[Andre]

Combined it's 210amonth.

[Caleb Hammer]

Car insurances 200amonth.

[Cassie]

Bone bill, 270amonth.

[Caleb Hammer]

Groceries. Okay.

[Andre]

600.

[Cassie]

Oh yeah. 600.

[Andre]

300.

[Caleb Hammer]

600. That should be fine. TP fun. I'm gonna say about 150. You got to keep you a bit lean here. Healthcare, medical, co pays, anything, what do we got?

[Andre]

All comes out of the, out of.

[Caleb Hammer]

Our pay before co pays though? No, because she has medications, co pays therapy. Okay. Okay. Jim. We have a gym free. Good. Subscriptions. I'll try $20.

[Andre]

We only have YouTube for subscriptions. It's premium for the the kids in us.

[Cassie]

We have two dogs and a cat.

[Caleb Hammer]

Ages in health.

[Andre]

One is around 13.

[Caleb Hammer]

Okay. Not that one. The other two was like 13.

[Cassie]

She have. She's like jinx is 95 and then the cat's like three.

[Andre]

Jinx is four.

[Caleb Hammer]

Okay. For the five and three year old, how's their health?

[Andre]

Good.

[Caleb Hammer]

Okay, get pet insurance. I'm going to say 50 bucks for both. How much for pet food on a monthly basis?

[Andre]

We buy 75. 65. 75.

[Caleb Hammer]

Yeah, we'll call 75. Anything else that needs to be in your budget? Speak now.

[Andre]

I've watched enough to know that I can't say cigarettes, so. No.

[Caleb Hammer]

Well, no, I'm not gonna sentence you to death early.

[Andre]

I'll work on it.

[Caleb Hammer]

4,600 comes in. Great. What you need is 5,268.88 on a minimum monthly basis.

[Andre]

Well, we have the, the roommates and I'm trying for them.

[Caleb Hammer]

Oh yes. How much comes in with the roommates? One's leaving after that.

[Andre]

After that, 900amonth.

[Caleb Hammer]

Okay, so that is going to leave you with.

[Andre]

And I, I did just get a promote or not a promotion, just a pay increase.

[Caleb Hammer]

Well, you're going to have wiggle room of about $231. Okay. Now with the roommate thing and hope that other one doesn't leave. Okay, Well, I Mean with that? I mean the bad debt alone, for the $72,000 of bad debt, $231 that takes 311 months to pay off or 25 years. So here's what I'm doing. Credit's already. Change your behavior for three months. Work on a budget together again. Use the dollar wise CL thing. Go through the budgeting class. Go through the debt class. Go through the beginners class. Go through all them. You get them for free. Use the budgeting app, you get the premium version for free. Change your behavior for two to three months. So you guys are sit down, you're budgeting, you're showing just like set. Stop even paying on this debts. Show that you guys can budget in life. Obviously pay on the mortgage and car. Yeah, pay on life. That you can budget a very conservative budget and you can be strict and you can cut back on the bull and stop going out. Then after you do that for three months. Bankruptcy.

[Andre]

Yeah, I was, I was looking at.

[Caleb Hammer]

That but I didn't bankruptcy.

[Andre]

I didn't want to go into it.

[Caleb Hammer]

Blindly and it cost a few thousand bucks. It can definitely be stressful in a relationship, but do it. But if you do not change your behavior beforehand, you're. I'm going to sit down with you in two years and you'll be in the same situation again. So change behavior for three months. Then go through bankruptcy. Your credit's already so it doesn't even matter. Yeah, your credit will be for like seven to 10 years. But you already have a mortgage. You don't plan on moving for like 15 years anyway. So we can go through this and that will set you up for a better future.

[Andre]

Okay.

[Caleb Hammer]

All right guys, make sure you come to the post show. I'm going to give their hammer financial score but make sure you come to the post show. There's always more to talk about. And we'll go through all this just extra that we didn't have a chance to. Crazy, crazy. But hammer financial score, spending your budget while you overspent. 0 out of 10 debt. Well, you have collections. 0 out of 10 emergency fund. I didn't see anything in savings. 0 out of 10 retirement dramatically behind 2 out of 10 real estate. We do have an equity position. It's the thing we don't like. I don't like that it's under 1500 square feet for a de attached single family home that maybe we might want to sell. And it doesn't sound like it's in great position but we have an equity position. Do like the interest rate I'll you give give you a 7 out of 10 for there. That is going to help your score for sure.

[Andre]

That's the only reason I said one.

[Caleb Hammer]

Yeah. Hammer Financial score rounded up two out of ten guys. Join Hammer Elite. Hit that join button and join us for the post show. Ladies and gentlemen, you'll get three premium shows posted every single day, Monday through Friday. You got to check it out. I'll see you in the post show. Cassie has a secret dad behind his back that he doesn't even know about. What the.

[Cassie]

Do you have borrow money from my nana?

[Andre]

Thought we weren't dealing with your grandma anymore.

[Cassie]

I. She just gives me money like if I need it. So I just borrow money and pay her back.

[Andre]

Is she going to screw us on taxes again?

[Caleb Hammer]

What? Well, how much are you borrowing from grandma?

[Cassie]

It's like dollars.

[Caleb Hammer]

Why? And he doesn't even know this? You know what she wants to do, guys? Has she discussed it with you? She wants everything to come into one account and then give you two allowances. The one who makes no money handing out allowances.

[Cassie]

That's. That's not where I was thinking. Yeah, I told you that before.

[Caleb Hammer]

And you guys talked about bringing in a second dick. It would get more affordable.

[Cassie]

Just a penis. You'd be a loved penis.

[Caleb Hammer]

Is this you guys again? Yes. Wow. Okay. Everything is done. I don't have any credit cards open. Why would you want to come into this? Do you just want to combine so that we have her income.

[Andre]

Already?

[Caleb Hammer]

Just hearing this conversation, Alice, so far. Are you not nervous to get involved on this on a deeper level?

[Andre]

Caleb, you mind if I take a second?

[Caleb Hammer]

Can you guys take a second? Thank you.

[Cassie]

He's probably gonna need time.

[Caleb Hammer]

Well before he comes back on, he's.

[Cassie]

Very angry and he's going to hold a lot of anger specifically at me.

[Caleb Hammer]

How does it that usually. What what usually happens?

[Andre]

Then he's gonna shoot.