The Truth About Financial Audit

Summary

Podcast Summary: Financial Audit – “The Truth About Financial Audit”

Host: Caleb Hammer
Date: January 7, 2026

---

Episode Overview

This special end-of-year episode of Financial Audit with Caleb Hammer wraps up 2025 by showcasing the progress of past guests and highlighting the tangible life improvements achieved through the show’s “tough love” approach. Hammer blends biting humor with sincere encouragement as he interviews returning guests, checks on their progress, and reaffirms the importance of budgeting, debt payoff, and decisive life changes. The episode functions as both a celebration of success stories and a candid look at the ongoing financial struggles and personal transformations of ordinary people.

---

Key Segments and Insights

1. Celebrating Real Results: Debt Payoff Stats

(00:15 – 02:18)

• The show kicks off with striking statistics on guest progress:
  • Average guest has paid off $22,807 in 12 months. Median debt payoff is $12,000 in 8 months.
• Caleb emphasizes that behind the entertainment are real people achieving substantial financial change.
  • Quote: “All the gooniness and fun… what matters is the real results.” (01:09 – Caleb Hammer)
• Reminds aspiring guests to apply and points out the positive impact of using the show’s tools and budgeting app.

---

2. Guest Progress Updates: Triumphs and Setbacks

(02:18 – 100:08, interwoven throughout the episode; see select examples below)

Monica (St. Pete, FL)

• Swings between self-employment, struggling with taxes, and family drama over property.
• Debt still high due to unexpected car loan, but credit card and IRS debts are coming down.
• Ongoing family issues affecting financial independence—her mother is using her SSN to control their joint property.
• Quote: “The only reason I not evicted her is because I don't want to stress out my little sister over the holidays.” (04:08 – Monica)

Ivory (Los Angeles)

• Debt improved from $22k to $14k. Striving to balance passion projects with stable income.
• Struggling with “progress dragging ass,” yet appreciates tough love.
• Quote: “It just keeps adding up and it never ends…” (08:40 – Ivory)

Riley (San Antonio, TX)

• Insights into “girl math” vs. real math.
• Faced hard truth that parents paying her credit cards is not genuine independence.
• Quote: “No, that's fantastic. Good, good. Congratulations. I'm thrilled for you. But you're not taking care of your bills.” (10:00 – Caleb Hammer)

Victoria (Houston, TX)

• Quirky “mini zoo” of tarantulas; comedic but points to mindful spending on hobbies.
• Down from $17k to $6k in debt; focusing on graduation and better financial habits.

Maya (New Braunfels, TX)

• Progress: $45k to $3k in debt in 8 months, through aggressive work and better automation.
• Ongoing challenge: Focusing her energy and avoiding lifestyle inflation.

Priscilla & Tony (Lutz, FL)

• Start: $67k debt, now $70k (due to a wedding and Japan trip). Ready to apply strong saving skills to attack debts.
• Recognize behavioral change after failed business and major lifestyle events.

---

3. Hammer’s Method and Philosophy

Scattered Throughout

• Tough love and humor as teaching tools: Hammer is “brutal but fair.”
• Reiterates “there's no shortcut” – steps must be followed:
  • 1 month emergency fund, pay high interest debt, 6-month emergency fund, then invest and enjoy fun money.
• Advocates prioritizing long-term security over quick wins or “debt snowball” shortcuts if not accompanied by strong habits.

---

4. Case Study: Massive Turnaround

(100:08 – 128:47, the extended update and live budget review with returning guests Sam and Rosa)

• Their income doubled from $6,000 to $12,000/month in a year; on track for $17k/mo soon.
• Paid down over $80k in debt by following the show’s structure:
  • Paid off accounts, transferred high-interest timeshare to 0% card with a disciplined payoff plan.
  • Nearly all old debts eliminated except one timeshare.
  • Building emergency fund; plan to hit six months of expenses in savings before increasing lifestyle spending.
  • Clear philosophy: stabilize, then celebrate.
• Quote: “You guys have been in stress mode correctly because you guys were dying… That stress is not meant to continue forever. You're about to enter live mode.” (117:45 – Caleb Hammer)
• Emotional payoff: Guest tears up over the relief and pride at real change.
• Caleb’s practical advice: Don’t skip emergency fund; structure fun spending via “30% wants” after core goals are hit.

---

5. Memorable Quotes and Hammerisms

• “You are not a credit card person. You cannot have access to them because the credit industry is bending you over and you are not taking advantage of them. They are taking advantage of you.” (93:47 – Caleb Hammer to Aubrey)
• “You will blow through all the money as you do now. You are going to be destroyed.” (45:10 – Caleb Hammer to Jessica)
• “You cannot take care of your bills. I will be but you're not. You're not. And you said you are, but you're not.” (09:44 – 09:55 to Riley)
• On debt repayment: “Staying broke is harder and I've done that my whole life.” (54:23 – Guest Joseph)
• “Put your dick under there right now. Yeah, that probably would help my financial situation.” (71:18 – Comic relief during guest banter)

---

6. The Hammer Financial Score and Audience Takeaway

(127:16 – End)

• Sam and Rosa’s updated Hammer Score: 6/10, expected to jump post-emergency fund.
• Key levers: Emergency fund and retirement catching up, debt outside mortgage nearly gone.
• Hammer reiterates: Most people can reach 8/10 with a handful of disciplined months.
• Final encouragement: All guests deserve real applause for progress, and viewers are invited to start or continue their own journey.

---

Segment Timestamps

| Segment | Timestamp | |---------------------------------------|---------------| | Main stats/End-of-year kickoff | 00:15 - 02:18 | | Monica’s property/family situation | 02:18 - 04:53 | | Ivory: passion vs. income | 05:39 - 09:06 | | Riley and parents, “girl math” myth | 09:08 - 13:28 | | Victoria and her “mini zoo” | 16:06 - 18:22 | | Maya’s crisis/momentum | 19:06 - 21:43 | | Priscilla & Tony post-wedding | 21:43 - 24:06 | | Breakdown with Sam & Rosa (success case) | 100:08 - 128:47 | | Hammer Score and wrap-up | 127:16 - End |

---

Notable Moments and Emotional Peaks

• Monica’s complicated family property drama (04:00 – 05:00): Real-life messiness as financial impediment.
• Parents underwriting Riley’s life, guest realizes need for accountability (09:45 – 11:20)
• Live, emotional guest reaction to debt freedom and income gains (118:32 – 119:42)
• Sam & Rosa’s steadily layered game plan, demonstrating best practices for long-term stability (100:08 – 117:36)

---

Conclusion: Key Takeaways

The Truth About Financial Audit is less about sensational drama and more about the candid, sometimes awkward, but always instructive journey from financial chaos to freedom. Through zany moments and hard conversations, Caleb Hammer demonstrates that real results come from facing the truth, following a structured plan, and making incremental, consistent change. Viewers see themselves in the guests’ struggles, but also in their victories—reminding us all that financial freedom is both possible and worth celebrating.

---

Full episode and guest applications available at calebhammer.com.

Transcript

[Guest]

You're about to make a trade which you do, you listen to. Is it get optioning those options or let's do a little research. Learn [e-mail] TradeSmart To Watch episodes of.

[Caleb Hammer]

Financial Audit a week earlier, check us out on YouTube. Ladies and gentlemen, welcome to our end of the year video, the last video being uploaded in 2020. Listen, this has been an exciting year. All the drama, all the tea, all the crazy finances, Clara in your labo, boo. And smashing some pianos across the desk. Listen, it's been great, but what is still most important at the literal end of the day are real people's lives. And everyone that comes on this show is just like you in the audience who apply. Caleb herman.com apply, by the way, if you want to be on next year. The fact is what matters in the end is the results that they achieve going through our master your money program, using our app, using the resources we have, using the budget that I make on the show, and taking the tough love approach that I actually take here. Even with all the gooniness and fun we like to have, what matters is the real results. So I get to give you right now, before we get into the updates, our end of year results, which keeps getting better and better every year. As of the end of 2025, the average financial audit guest has now paid off $22,807 of debt in just 12 months. And the median has paid off $12,000 of debt in eight months. It's incredible. And I want to celebrate all them, even the ones that I literally never want to sit across from again because I hate their personality. I'm. I'm a. I'm a tricky person to get along with. I get it. But I want to hear directly from the people who have been on this show where they are. So let's get into the updates, let's see where they stand, and let's cheer them on. Or, you know, potentially wish for a couple of their downfalls if they're pieces of shit, but mostly cheer them on. Let's get into that. Get your free trial to the dollar wise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. Dollarwise app or link in the descri below.

[Guest]

Hi, my name is Monica I'm 25 years old from St. Pete, Florida, and this is financial audit. Let me just try only, but not nude.

[Caleb Hammer]

Okay. So I works for a bit it.

[Guest]

Right. So I got up to. I made like 600 in two weeks. And then I was just below the IRS, you know, tax. I didn't want to.

[Caleb Hammer]

Also just below you being able to pay your bills. Yeah. So it's not much.

[Guest]

Right. I got off and then I went back on one more time, one more time a year later. And I ended up spending. I ended up making like 6, 5 or 6,000 in still a couple months. Yeah.

[Caleb Hammer]

And then I'm not just had 206 hours of purchases. What the is that?

[Guest]

I almost don't know.

[Caleb Hammer]

Oh my.

[Guest]

I don't know.

[Caleb Hammer]

Oh, I'm looking at my accounts now. Now that I applied to come on the show a month ago. You'd be able to tell me what it is. You'd be able to tell me what it is.

[Guest]

Like it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses were all kind of everywhere.

[Caleb Hammer]

$47 minimum to payment purchase. How much do you travel?

[Guest]

Not as much now.

[Caleb Hammer]

Good. $1,518.13. That's what's owed on here with a $47 minimum fee. Payment again, $206 of purchases, $39 payment. $32.33 of interest accrued.

[Guest]

I tried to like spell out the balance. Yeah, that's my bookkeeping. Okay.

[Caleb Hammer]

So that would be on our credit card that we can't pay off. That is accruing interest, though.

[Guest]

I just put it on my debit card. So.

[Caleb Hammer]

No, this is a credit card.

[Guest]

I know. Okay. Yes. Fair.

[Caleb Hammer]

Debt when filmed, $50,000. Current debt amount $38,000 months since film financial audit 3. Technically, my bad debt is $26,000 higher than when I went on the show in September because my old 4Runner broke down two days before I moved to Texas, leaving me with a new car loan I didn't have before. But my IRS debt and credit card debt is down. I've stopped purchasing on my credit cards and paid the minimums on time. Once my IRS debt is paid off in May, I will allocate an extra $1,000 per month to pay down the cards. So it will go much quicker. In other news, I told my mom want to sell the Tarpon Springs house. If I did, I'd be completely debt free and she would be able to move into a rental that is much more affordable for her. She does not like this idea and has told me she'd refuse to pay the mortgage and would not allow buyers to view the house if I list it. The only reason I not evicted her is because I don't want to stress out my little sister over the holidays. But you best believe I'm going to start taking action on this in early 2026. My mother has convinced herself that she is an investment partner and not a tenant and has gone as far as using my Social Security number to change the password to my lending account so she can bypass me and pay the mortgage herself. The only good news is that she paid November and October not on time, but she paid. My tenants in St. Petersburg are wonderful and just had a baby yesterday. My rental in Fort Worth is a huge blessing as I navigate this mess with my mom. Thank you for checking in and I hope you all have a great holiday season. I'm Ivory. I'm 35, I'm from Los Angeles and this is financial audit because I don't. Do I play people on stage, off stage. You're telling me there's no one, no DJ that plays people on and off stage in Los Angeles? Not. Not on the comedy venues. The comedy ven. You talking about the melanated theaters all they tend to have, you know, more fun kind of random things. I play a lot of variety shows that aren't even. I'm not doing stand up and I'm not playing a set. I'm more so sitting there and then playing the transitions and the underscore whether it's a scene or whether it's a standup comedian accident. Right. And it's $30 for four hours. So clearly this is. Again, this isn't a good job, buddy. No, no, no. I don't give a. Stop it. Stop. Okay. I just. I kind of just play things like that to whatever anybody says on stage and do that again and I will break it, but I. I will legitimately break it. That is not me saying that is a bit for the show. I will break it. You know, because there's a. There's a. No, no. I will break it. No, I seriously, I found that from a beautiful composer online. Actually makes me. You know, it's. I don't mean to bring you to a breaking point, but I really enjoyed that song and I wanted to bring it here today. I hate this episode. I hate this episode. I hate this episode. I'm buying him a new one because it's. I'm not a piece of. But I had to confirm it wasn't sent a mental first, I hate this episode debt when filmed $22,000 current debt amount 14,000 hours since filming financial audit 5 been saying no to the not paying passion project while making decisions toward a career over short term gigs while paying contracted projects around progress dragging ass on course careers though. And I'm being told this is so stupid. It just doesn't stop. It just keeps adding up and adding up and it never ends. I hate these spam calls. I hate these spam calls. You ever wonder how these spam calls always know your name? It's because your personal info is being bought and sold in bulk by data broker sites. Everyone's getting rich off of your data brokers, spammers, probably even some politician cashing lobbyist checks While you dodge 10 spam calls a day and pray your identity doesn't get stolen. Next. It is violating. It is infuriating. And it makes you feel like you've got zero control. And that is why I'm glad to partner with today's sponsor, Aura, because they actually help you fight back. Aura scans a massive database of data broker sites looking for your info, your name, your address, your phone number. And when they find it, they send opt out requests on your behalf. And here's the kicker, they follow up continuously to keep it off. Other companies claim to do this, but Aura offers the full package. No piecemeal, no nickel and diming. Just one platform that actually gives back some peace of mind. So try Aura for free for 14 [e-mail] hammer. That's enough time for Aura to start scrubbing your data from these sites. Now let's get back to the show, hopefully with fewer people trying to sell your identity.

[Guest]

My name is Riley. I'm 20 years old. I'm from San Antonio, Texas. And this is financial audit.

[Caleb Hammer]

The Internet moves quick. Second of all, it's back math. Math is the real math when we're actually talking about your life and improving your situation.

[Guest]

But if real math doesn't work, then we transition to girl math and we use it to live. But I. I know you're saying that I'm not financially stable. I'm not financially.

[Caleb Hammer]

Well, no, because you can't take care of your own bills.

[Guest]

I can.

[Caleb Hammer]

No, you can't.

[Guest]

I have been.

[Caleb Hammer]

No, you haven't. They're paying your credit card.

[Guest]

That's not. I don't use that for my bills. I have.

[Caleb Hammer]

No, no, no. But that is a bill you have to take care of and you are not taking care of it. So you cannot take care of your bills. I will be but you're not. You're not. And you said you are, but you're not.

[Guest]

I have very understanding and caring parents that way.

[Caleb Hammer]

No, that's fantastic. Good, good. Congratulations. I'm thrilled for you. But you're not taking care of your bills.

[Guest]

Okay.

[Caleb Hammer]

You're not.

[Guest]

I need to get back on that.

[Caleb Hammer]

So I think we bring your mom into this conversation. She does not want to be on camera, but we will bring you nameless, just audio only. So, I mean, okay, you were sitting down in the guest area lobby during this conversation. My big fear and what I kind of want to just not necessarily confront you on, but ask questions. This credit card debt. She obviously built up a big balance on the credit card debt and she was moving out. And what she was telling me the whole time is that she's essentially independent and taking care of her bills, but she's not. You guys are paying for the credit card debt now. My big concern is especially with what she just said, going and just blowing all the money and financing on some tattoos is what you're doing in paying on this card, and is that really helping her? I don't know if she's learned her lesson, but I'm telling you, I have the respond.

[Guest]

No, it's not teaching her how to be responsible and how to budget her money better and how to ask herself, do I need this or do I want this? And to do.

[Caleb Hammer]

To do with what you have. Why are you guys paying for it then? Cause it's. I think it's like harming her actual future. Not that again. Not that I want her to have to pay off debt.

[Guest]

Right.

[Caleb Hammer]

But clearly, from what you were just talking about, I don't think it's helping her. So why? Why are we doing it?

[Guest]

Because you love me. She was doing well with the credit card. She would, you know, put a gas in her car and she would charge it and she'd pay it off and it went really well. She would get the credit card up to 2, $300.

[Caleb Hammer]

She'd pay it off.

[Guest]

And we're like, wow, you're doing great with it.

[Caleb Hammer]

Why do growing businesses love working in Slack? Let's ask Christy.

[Guest]

Ari bikes running things in Slack. Saves me so much time.

[Caleb Hammer]

AI summaries save 97 minutes per week. What say you, Rox from Gosney?

[Guest]

Slack helps us build community. It helps us build connection.

[Caleb Hammer]

Your partners, vendors, and customers all in one place. Take us on home. Ashley from Carraway.

[Guest]

If we didn't have Slack tomorrow, I would explode.

[Caleb Hammer]

Well, let's not let that happen. Visit slack.com podcast to get 50% off Slack business plus.

[Guest]

And then I kind of like put it in the back of my mind. And then a few months later I asked her, oh, how's the credit card doing?

[Caleb Hammer]

And she's like, oh, it's about $4,000.

[Guest]

And so my husband said, no more. So he took. He took it. And we knew that she couldn't pay it on her own since she had just moved out.

[Caleb Hammer]

Debt when filmed $4,000 current debt amount $500 months since filming financial audit 23 after the show, broke up with my ex boyfriend and moved back in with my parents. I took budgeting classes as well. Got in touch with my bank and set up a plan to be approved for a 3% interest rate instead of my usual 18% for 12 months. I'm already at $500 debt currently and doing well. Smiley face.

[Guest]

Hello, my name is Monica. I am 23 years old. I am from Hartford, Connecticut and this is a goth Financial Audit.

[Caleb Hammer]

Okay, so you went and you didn't have to split with anyone, so you made a ton of money, right? Who's this? What are you doing? Horse?

[Guest]

Yeah.

[Caleb Hammer]

Oh, you're tuning into the mic. People are listening.

[Guest]

Sorry.

[Caleb Hammer]

No, what are you doing? Why do you keep doing this?

[Guest]

I'm hungry.

[Caleb Hammer]

You have a little stash. Can eat afterwards or before?

[Guest]

I had a long flight.

[Caleb Hammer]

You were in the green room for like an hour. Why didn't you. What are you eating into the microphone?

[Guest]

I was doing my hair.

[Caleb Hammer]

Why are you eating into the microphone on a podcast, lady?

[Guest]

I have a. I have an oral fixation with like chewing, but I'd like to be healthy actually.

[Caleb Hammer]

Fixation with chewing?

[Guest]

Yeah, cuz bored eating, I think.

[Caleb Hammer]

Like, don't we all have that?

[Guest]

Yeah, but you're not supposed to eat when you're bored. You're supposed to only eat when you're.

[Caleb Hammer]

Yeah, but like, what if chew on pens and bull. Oral fixation. Are we like diagnosing that?

[Guest]

Well, that's not a diagnosis. It's more like just a thing. I mean, it helped me lose like £50 though.

[Caleb Hammer]

Really?

[Guest]

Yeah.

[Caleb Hammer]

Okay, maybe I need to get on the oral.

[Guest]

I should. I should show you the before and after picture of me and then you.

[Caleb Hammer]

Okay, well, good for you. Do I get to take them all? Are they easy to take off?

[Guest]

Yeah, of course.

[Caleb Hammer]

How easy to take off?

[Guest]

Just don't put too much glue on it and I don't know. I'll tell you. Don't worry, I can help you. I can help you.

[Caleb Hammer]

Fine. Do a Couple.

[Guest]

Do a couple.

[Caleb Hammer]

I don't care.

[Guest]

Okay?

[Caleb Hammer]

I've never done anything like this. Hold on.

[Guest]

I need to eat a carrot. Give me a second.

[Caleb Hammer]

No, your carrots. Stop with the carrots. No, stop with the kid. No one gives you what the carrot. Just don't crunch into the mic, okay? A little weird person because the kiss brain is better, but am I gonna have the desire to get pegged once I get these on. Specifically? Pen. I can't pick up the pen.

[Guest]

You get it?

[Caleb Hammer]

Here we go. That when filmed. $30,000. Current debt amount, $17,000. Months since filming. Financial audit. 10. Married and bought a house. Also found people making AI of me freaks. Hard emoji.

[Guest]

Hi, I'm Victoria. I'm 34 years old. I live in Houston, Texas. And this is financial audit. Lots of. I've got lots of little friends that I need to feed and keep happy.

[Caleb Hammer]

What. Where we have. What is like, a zoo? Are these.

[Guest]

Yeah.

[Caleb Hammer]

Your new kids? Like, I don't. Are these the third children? What is. What is even happening?

[Guest]

Do you want.

[Caleb Hammer]

Do you.

[Guest]

Do you want a road trip down my mini zoo? A road trip, like a visual, spiritual journey through my mini zoo? Yeah. So I have 16 tarantulas.

[Caleb Hammer]

The. Are you on?

[Guest]

Yeah.

[Caleb Hammer]

What do you do with 16 tarantulas?

[Guest]

Well, here, I can show you.

[Caleb Hammer]

You. What is this? How did I not see this?

[Guest]

So this is. This is scarlet.

[Caleb Hammer]

Okay. I'm actually quite interested. Right?

[Guest]

Yeah. Yeah. Right. See, hold on. And they're addicting.

[Caleb Hammer]

Well, I think it's cool as long as you can afford them. I don't know about that. I don't have 16.

[Guest]

Because if you can feed one, you can feed 16.

[Caleb Hammer]

Oh, there it is.

[Guest]

Yeah.

[Caleb Hammer]

Oh, so curious.

[Guest]

Yeah. And I just watch them.

[Caleb Hammer]

What are we on Animal Planet right now if we transition from financial audit?

[Guest]

I told. I told them I want to make.

[Caleb Hammer]

Only listeners feed her. What am I feeding her? Okay, maybe we'll do that in the post show then.

[Guest]

Yeah.

[Caleb Hammer]

I want to stick to your finances in the main show.

[Guest]

So I have 16 of these little guys.

[Caleb Hammer]

Okay.

[Guest]

Yeah, but you just watch them. I don't know. They're kind of like if you're having a bad day, you just go look at them and they make you happy.

[Caleb Hammer]

Okay. I don't want Mom. I'm scared. She's in the web, so she's not just gonna fly.

[Guest]

No, she's not.

[Caleb Hammer]

It's right here. You see this guy on. On that camera shot? No one told me there's a damn tarantula in this office, you have a secret hermit crab. So not only financial infidelity, but hermit crab infidelity. Yeah, it's a new one. Why would he not know of the third one?

[Guest]

Because it hides. It hides. So he only told him because I don't know my story. When I told him that I got him, I told him I only had two.

[Caleb Hammer]

Does he like all these?

[Guest]

No, no, no.

[Caleb Hammer]

What? No offense. I do. It's cool, but it's. It's. It's like stink. It's space. It's.

[Guest]

They're all in my.

[Caleb Hammer]

That when filmed $17,000 current debt amount $6,000 months since filming financial audit 11 life has been a roller coaster. I've made a lot of progress over the last year and have gone from about 10 credit card balances to three. Holidays have set me back a little, but since the show, I've gotten a good pay raise and I've eliminated some monthly expenses. I am set to graduate this month and I've already passed my licensing examination. As of January 2026, I'll be a licensed professional counselor associate. And we'll be looking for some contract work to help pay down my remaining debt and prepare for student loan repayments. Things are currently looking up. Although I am still lingering on some poor habits, I do believe I've made a lot of progress in being intentional with what I spend my money on.

[Guest]

Hi, I'm Maya. I'm 22. I'm from New Braunfels and this is Financial Audit.

[Caleb Hammer]

And it was right post to you downloaded immediately because this. That expired January 28th. The Bumble one. So that means you can, you know, you found. And you downloaded the next day.

[Guest]

Yeah, I didn't do anything though. I was just kind of like swiping through. I never. I haven't gone on any dates or anything. It was like preferred pure entertainment of hey, let's see what's out there sort of thing. And dad never went and did anyone. So I. I'll take it as a. As a plus.

[Caleb Hammer]

I love the fact that. That we get permission for me to just around and have fun before. And you have just ruined like. I just don't understand the point of lying. Listen, you are chatting with Brent today.

[Guest]

Yeah.

[Caleb Hammer]

On Hinge.

[Guest]

Yeah.

[Caleb Hammer]

This doesn't even matter. I don't even care. But the fact that you said like, I want you to listen.

[Guest]

The premium is. I never said that. I deleted the apps. I said that I had.

[Caleb Hammer]

No, but here's the thing. You just got cheated on. Just got cheated on a couple months ago. Went away from basically an engagement. You're still dealing with his finances. You are in no way gonna go in this in a healthy direction. And the fact is, is I don't want you just around constantly. No, I definitely.

[Guest]

My, my brain was like, no, no.

[Caleb Hammer]

I don't like around like this. I don't care about that. You can do that as much as you want. I'm talking about you have no focus. You just got cheated on. You're going. You're. You're adding like 50 dudes on Snapchat as we're speaking. Like, this is endless Snap. That's why we have Snapchat Plus. But it's the fact that we're going out and drinking every night. It's the fact that we are failing school. It's the fact that we are going to the beach. I don't care. Listen, if you weren't doing that stuff and you were going out and trying to go on 50 dates a night, fine. If you, if you gave that up and we're going out, okay? But you are doing all these things endlessly, endlessly. You have no focus. You are doing a thousand different things. You are never going to get out of debt. You're never going to get out of debt.

[Guest]

Yeah, I'm trying to just. It's. It's a jump. It's like jumping jets right now. No hopscotch. Just back and forth between everything else.

[Caleb Hammer]

Debt when filmed $45,000 current debt amount $3,000 months since filming financial audit 8 just working my butt off to get out of the financial hole I put myself into. All my credit cards are up to date. And finally on autopay. Then my debt collection accounts are on payment plans. That was settled for 80. Waiting on the car to be auctioned. But we'll figure it out day by day.

[Guest]

Hi, my name is Priscilla and I'm 26 years old.

[Caleb Hammer]

My name's Tony. I'm 26 years old.

[Guest]

We live in Lutz, Florida and this is Financial Audit. Thanks.

[Caleb Hammer]

We. Honestly, the truth is we just got tired of the business. Tired of doing it. And we're like, let's just abandon it. We. It's. It wasn't worth it anymore.

[Guest]

We. I mean, we tried to cash flow. We put like thousands of dollars into the business, trying to buy business.

[Caleb Hammer]

Okay, okay. Lottery. We were lottery.

[Guest]

We were trying.

[Caleb Hammer]

Lottery. How? You cannot allow this man to convince you into this kind of. Get off. Brainwasher. She just. But she went along with it because she loves you and she wanted us to. I love her too. And it was. We had conversation multiple weeks. Multiple. Whoa.

[Guest]

I've always wanted to try one day.

[Caleb Hammer]

Hey, let's do this thing. No, all I'm saying is you really wanted to do it and you, you know, convinced her because she wanted to support you. And don't go along with that call him out as bullshit. I mean, you. You're. How much you've spent on this and into this business in general.

[Guest]

We probably put about, like, seven grand into it.

[Caleb Hammer]

Oh, how long did it last? About a year. A year, right?

[Guest]

Less than a year and a half?

[Caleb Hammer]

Yeah, yeah, something like that. I'm going to chop that card.

[Guest]

Why don't you just chop up all of them while you're at it?

[Caleb Hammer]

Yeah, why don't you? Seriously. Good. That's all the cards. Good. So that's every. Credit cards. Credit cards, guy credit cards.

[Guest]

All right, so which ones are the credit cards?

[Caleb Hammer]

Every single one here. Every. Every single one. Really? You don't have a single debit card in there? I do have a debit card. It's just not in here. What? Okay, okay, okay. Go on the credit card. Go. Okay, that's fine. Capital One. Debt when filmed $67,000. Current debt amount $70,000 Months since filming Financial Audit 8 We got married and went to Japan. These were basically cash flowed through rigorous saving, and we are finally focusing on debts as of November and are more motivated than ever to pay them off. We learned skills through our saving for Japan and are ready to apply those to our debts now. Tony also got a new job that pays more, so that's a plus. Winky D. Hi, I'm Alexis.

[Guest]

I'm 20 years old.

[Caleb Hammer]

Hi, I'm Colt. I'm 23 years old and we live in Palestine, Texas.

[Guest]

And this is Financial Audit.

[Caleb Hammer]

So you want to be able to provide, ie, go to work, Is that what you're saying?

[Guest]

Yeah, like, I want to.

[Caleb Hammer]

Which makes me think that you're saying, oh, no, no, no work for you. Well, I mean, on my side, I believe that, like, there's more to the, like, providing to the family than finances. He's a trad.

[Guest]

Yeah.

[Caleb Hammer]

You've married a trad. But you don't want to be trad. No, you don't. Okay. Seems like a interesting marriage to have been made because that's kind of a relatively important thing, as in, like, how we live together and exist together as a couple. So you're passing this on to someone else that you're probably related to, potentially. Are you having fun? You're just playing with your little ball There. Are you here? Like, what the fuck is going on? You're just looking down. Are you listening? Are you participating? Why the F. You guys here? Hello, I'm here. What am I doing here, dude? I mean, we're obviously here for a reason. Is she. Does she need to be here or should I send her to the other room, Huh?

[Guest]

Don't.

[Caleb Hammer]

You're ruining my mood. You're bringing such dark energy to financial audit.

[Guest]

The.

[Caleb Hammer]

Does she even know what she's doing right now? You're just being miserable to be around. All right, I brought you a proper American style wife to sit in. He's a good bottom, so he'll play for you for now. Okay. Discover it again. This is what I tried to be on. I don't necessarily know how to. She knows what show she's on, right? Yeah. Okay. Don't you. I know what show I'm on. Yeah. Well, your name's Alexis, so.

[Guest]

Okay.

[Caleb Hammer]

Debt when filmed $40,000. Current debt amount $35,551. Months since filming Financial Audit 6. Things Are Going smooth. Wife got a job and started a business for calibration software.

[Guest]

Hi, my name is Isabella. I'm 34 years old. I'm from Clearwater, Florida. And this is Financial Audit. Need better tools. My mom tried to do like Dave Ramsey CDs on me and that just did not help me at all with his.

[Caleb Hammer]

Sure. It was stuck in the 80s, I guess 90s.

[Guest]

Yeah, exactly. Yeah. Yeah. So I tried that method. That didn't help. And so I'm just trying to really. Well, what broke?

[Caleb Hammer]

The. What did not work there for you?

[Guest]

My.

[Caleb Hammer]

Cause this thing is pretty damn simple. I don't agree with, you know, some of the debts, the emergency starting, emergency funds too low. But what did not work for you?

[Guest]

I think just how he words things that I just didn't think his. His life did not like. His. His examples and whatnot just didn't align how my thought process works either. So I try to understand and I try to implement it though you're able to comprehend, but I just. At the same time, I just didn't really grasp his concepts. I understand that, but it's the most basic.

[Caleb Hammer]

I mean, I'm sorry, I'm not trying to be offensive, but it's literally like the bottom tier basic. Like, he even talks like it's the most bottom level basic.

[Guest]

He's like, I was in like $5,100,000 of debt and now I have zero. And I'm like, well, that's great for you.

[Caleb Hammer]

Dave.

[Guest]

But I'm different. What? Yeah. No, it was just an example.

[Caleb Hammer]

What the are you talking about?

[Guest]

He got himself into a bunch of debt and that's why he's like telling people like how to get out of it. How he got out.

[Caleb Hammer]

It doesn't matter how he got into debt though. His.

[Guest]

But how he got out is different than how other people could get out. There's other ways that work for other people.

[Caleb Hammer]

There are other ways, but that doesn't. The snowball method doesn't work though. That's so confusing. I'm so. I just. I'm not getting your logic yet.

[Guest]

It didn't help me.

[Caleb Hammer]

But why? Because the example you used is like really dumb. Honestly, if I'm being honest. Because he had really poorly leveraged real estate. Quick note debt. All of a sudden you can't pay off a credit card. I'm confused. Like his debt payoff method isn't about the kind of debt he was in.

[Guest]

Yeah, I think. Well, he was just trying to teach people to get out of debt because that's how he got out of his own debt. Was. Why by all of his debt.

[Caleb Hammer]

No, he went through bank. He teaches people. You're not having me slobber on Dave's right now. I'm. But this is ridiculous.

[Guest]

Yeah. So my mom had me listen to some of the CDs. I did his basic.

[Caleb Hammer]

It's pay off the smallest debt to the largest debt. How does because he went through bankruptcy negate your ability to understand that that is the most basic.

[Guest]

I didn't know he went through bankruptcy. That's my fault.

[Caleb Hammer]

I'm just so confused.

[Guest]

I listened to his CDs but I didn't listen to all of them. Foreign.

[Caleb Hammer]

Filmed $75,000. Current debt amount $69,000. Nice. Months since filming Financial Audit 7, things haven't been great for me. My cat passed away and had to spend a decent amount of money with all vet visits. I got a raise at my job this week. Only a $1 raise, but that's pretty good considering people only get 10 to 25 cent raises. I'm still making progress with the class course I received. I didn't even end up going to the other festival in Texas due to the cost either. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay that is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out@y refi.com hammer that is y r e f y.com hammer or call 888-973-3978 that is triple 897-33978. Break free from the high interest trap and get your finances under control once and for all.

[Guest]

My name is Sierra, I'm 31 and I am Jordan and I'm 24 and we live in Addison, Texas. And this is financial Audit.

[Caleb Hammer]

You're borrowing micro payday loans. It's only a matter of time. You didn't have $11 to go to a skating rink. The are you talking about? You are literally there. You're probably here as a last resort. That's what a lot of people do. You are on that edge. You are going to be drowning before you know it. You have like the last chance to turn it around.

[Guest]

I have a couple of options.

[Caleb Hammer]

What?

[Guest]

I can always just downgrade my apartment?

[Caleb Hammer]

Yes, I would highly recommend that immediately. Go on. What's next? Doesn't mean you still won't miss rent. I have a feeling you're going to feel like you have extra money. So you go blow it all or else you wouldn't be in this position anyway to begin with. Let's be honest. Go on.

[Guest]

Well, if I. Number two, I just haven't downsized yet.

[Caleb Hammer]

Number two, what's the next option? Go ahead.

[Guest]

Well, my tax returns coming up.

[Caleb Hammer]

Okay, well that's a joke.

[Guest]

I could pay off things.

[Caleb Hammer]

Listen, you could have paid it off last year and this is where we are today. So you're either going to spend it or you pay it off with your tax return without changing your behavior. And then you build it up every year.

[Guest]

My tax.

[Caleb Hammer]

Huh?

[Guest]

My tax return last year went to bills.

[Caleb Hammer]

And what's gonna say it's not gonna go to bills this time?

[Guest]

No idea.

[Caleb Hammer]

Exactly. Well, Stop looking at the camera. It's weird. It makes people feel weird out there.

[Guest]

Okay, I'll try.

[Caleb Hammer]

That's not funny. I'll kick you off. I have no problem kicking people off.

[Guest]

Well, look, there's a nice car in Fortnite that I had to get it and. And then they had this skin and.

[Caleb Hammer]

You do it for the kids. Yeah, but you would rather them have that than a roof over their head. Good job. What a future stellar mother you're gonna be. Emerald Advanced Loan. What's this for?

[Guest]

Oh, yeah, that is from 288 past 8. So basically, they let me borrow. They give you this card and you can borrow money before you get your tax.

[Caleb Hammer]

It's your tax return money. You get it before.

[Guest]

Yes, yes, yes. And basically they g. The lady messed up and gave me too much. So when I did get my taxes.

[Caleb Hammer]

Did you know it was too much? No.

[Guest]

And so when I got my taxes, it wasn't. It wasn't even close to that amount because I. I used to have a problem with having job to job to job.

[Caleb Hammer]

Yeah. Surprised? I mean, you've only been at yours for three months. Shocker. Debt when filmed, $20,000. Current debt amount $10,000. Months since filming Financial Audit 8. Paid off all the money borrowing apps. Working on paying off my car.

[Guest]

My name is Harmony, I'm 28 years.

[Caleb Hammer]

Old and I'm from Fort Worth, Texas.

[Guest]

And this is Financial Audit.

[Caleb Hammer]

Why does your name and your location have to have so many Rs in it? That is very. I asked, like, racist towards your mouth.

[Guest]

I asked that every day of my life. Honestly, it is such a mouthful.

[Caleb Hammer]

That's what she said. What do you do in Fort Wolf? Sorry. Okay, well, that's the one. One time. That one time. Had to get her over with. Please go. What are you doing for me?

[Guest]

I currently do not have a job.

[Caleb Hammer]

Legend Sports Bar, Water Burger, DoorDash and McAllister. DoorDash and Cracker Barrel. Dutch Bros. Nothing. Bun Cakes, Doordash and Panera Bread. That's not interesting. You.

[Guest]

But it wasn't.

[Caleb Hammer]

Shut up. It wasn't with that.

[Guest]

Like, it wasn't.

[Caleb Hammer]

Oh, you are the limit. You're gonna ruin me. It doesn't. Are you. Actually, I'm so. Oh, my gosh. I'm so sorry, Lindsay. May I draw? Because apparently we have to go back to elephantry school real quick. Ladies. The catch of a lifetime. She's waiting for you. Come get her. Good death. She doesn't understand basic things. Here's a credit card balance. Whoa. You're here. You're here. You're here. Oh my goodness. It's. It's pretty close. And you know interest is gonna get. Wait. Oh my gosh. Can you please shut the up? There's this much to spend. There's this much to spend. That's exciting. If interest is gonna hit. Oh, I'm gonna spend up to here. Oh, now interesting. Is gonna hit. But we're at our credit card limit. What do you think's gonna happen? It's gonna go above.

[Guest]

I didn't. But I don't want to be 300 of interest. Like that's a lot.

[Caleb Hammer]

Oh, we don't know how math works too. Yeah. Let's continue to go back to elementary school, shall we?

[Guest]

Calculating and budgeting.

[Caleb Hammer]

Start a budget two days ago. That means nothing. 1500 is basically an interest this year so far. Shut the up. I'm glad we have that guys. We don't have a job. We don't drive enough in doordash. But we're going to order DoorDash every 5 seconds of our life. You debt when filmed $22,000 current debt amount $1,500 months since filming financial audit 5 I got a job in finance. It's a hybrid job and is much better for my health. I am also getting tests run to get an official diagnosis of my physical health issues. Hi, my name is Christian. I'm 28 years old and this is financial audit. It you rated your kids saving so you could go on vacation and you don't regret it? Yeah. What the is that? Because that's going to make me hate you real quick. No, I understand. I. I figured I valued building memories.

[Guest]

With him and stuff. Taking him experiences.

[Caleb Hammer]

It was worth it. Rated. Yeah, I figured. You know, I took him to New York four, four times in the last year. Disney World, the Bahamas. What the Houston with her. Atlanta. Yeah, she went what's the rated like? I used it all. How much was there? And your kids saving? Your kid savings? Your kid's savings.

[Guest]

My savings for him was probably 8 to 10,000.

[Caleb Hammer]

What the. For your 4 year old. Yeah. Well, I ran your 4 year old. I ran it up on my credit cards and then ran what up? Those trips, the trips, expenses. I was like well, I don't want to pay interest. I figured I don't want to pay interest. So let me take for my kids future.

[Guest]

Well, yeah, he's like lots of.

[Caleb Hammer]

He's like a zero percent loan. She, she also gets onto me. Your response to all that? I like I said I kind of just push it out, you know, I get. I get real anxious about a lot of things. And so when we're arguing, I get stressed out. I'm just like, you know, yeah, me and the kid will go visit my grandparents. We'll go hang out, we'll go do something, you know, let her cool off, come back, she's in a better mood. Dude, this is the least. Is it? This is so unhealthy. Do you not know how unhealthy that is?

[Guest]

Yeah. You know, she's Vietnamese.

[Caleb Hammer]

You know, they're a little feisty.

[Guest]

So.

[Caleb Hammer]

I figure that's just how she is. I know she wants me to do better. It's just Vietnamese. Was she born here? Yeah, she's from here. Her parents aren't. We met serving sushi together at a Japanese restaurant. It's like seven years ago. It's romantic. And I'm sure she regrets every day since. Yeah. Debt. When it filmed. $83,000. Current debt amount $69,000. Nice. Again, months since filming Financial Audit 2. Much better. The show has completely changed the trajectory of my life. Not just financially, but also with my family and in general. Very grateful to have been on and can't wait to film my follow up at my. Hi, I'm rico Suave. I'm 23 years old and I live in Austin, Texas. This is Financial Audit. What job do you want? I want to be the guy who just got fired for using the company credit card. Do you still have that credit card? Did you give it back? Allegedly. The company card is still on my iPhone. Still allegedly. In pursuit of buying more chicken, potentially. Are you actually using it? I'm not using it currently. Have you used it since being fired? Buddy.

[Guest]

Off.

[Caleb Hammer]

If you. Off. You're a piece of. That's not funny. I'm telling you, man, you're not funny. They were supposed to reimburse me for gas. I mean, I'm just reimbursing the gas in terms of food, you know, you kind of get what I'm saying? They told me you used it to buy. I did buy with it. I actually did do that. I did do that. It was good. What the fuck am I talking to right now? You're not even close to being considered for a job. I mean, think about it, though. I mean, mistakes are made. Why would I hire you if you're actually being serious? Which. You have a weird personality. I interacted with him in the lobby or least at earlier. This is him. Actually found someone that does very similar business or he's gonna be Airbnb Manager. That's right. You're looking at. No one's gonna trust you for that. Cool. Call him right now. I'll call him. I'll call him. Call him right now and ask. Ask if he's seriously considering you for the job. 100% honest. Put him on the speakerphone. Put the mic to here. Let's do it. I'll call him right now. He's from the Dominican repe. Right here. Put the mic here. Oh, hey. The bottom of the phone. Hey. Hey. What's up, dude? Yo. You're. Yo. So you're gonna consider me actually hiring me for the. The job, right? Airbnb job, Right. Well, I'm gonna connect you to the owner. They're looking for somebody because the current manager lives in College Station, so he needs somebody. He does. Does he need someone this week? Right. I don't know. All I'm gonna be able to do is just connect you with him and then you speak in whatever terms. Yeah. Yeah. You tell. Yeah. Good. So you tell him on the best. I'm on the most on time. I'm the most responsible Tom. I'm getting everything figured out. Can I ask why? Why are you considering me, by chance? Why do you want to consider me? You just the only person that I that seems interested. So I don't want to leave, like, anybody. How much are you going to pay me, by the way? I'm not paying you again. He's the one that's working with you. So what it is. Remember how I get paid? How much? A percentage of what it is. Do you know how much? That if you can guess. Sorry, that's. That's something that you have to speak to him, negotiate about and, like, tell them, Hey, 10 or something like that. When filmed. $19,000. Current debt amount $14,000. Months since filming financial audit 7 months since Caleb Hammer still hates Rico Suave 0 Rico is doing fine. Moving to San Diego, possibly taking a lot of degenerate vacations. My twin is moving back to Austin. Almost brought a gun to laser tag tournament. Hitting up Suavecitas like my life depends on it. Got myself banned from Waymo. Rico. Hi, I'm CJ. I'm 33 years old. I live in Austin, Texas, and I'm on financial auto it. I like getting my little credit every month. Yeah, it's like the. Any gamification that has ever been implemented through a product manager in any kind of system was fully geared towards you because you feel like you're accomplishing something you're not. You're Making them money and you're putting your life on hold and your goals further and further out. Moving to Thailand, it's going to be a lot cheaper, but you don't have enough money to save up even to get a flight to Thailand. Thailand. So I don't know what you're talking about. You're not gonna be able to move to Thailand. Your Thailand also you said you have to get to your 250 users a month in order to move there. You're not even the two. I mean I'm at 25 probably because when you got this, the car market was much higher. So it was calculating that buyout value to be higher at the end. The car market value has corrected a little. Hasn't gone to where it was pre pandemic. Probably won't for a long time. I was thinking of just. Just buying it and then selling it immediately. Where is this $16,000? No whatever. Like $20,000 is coming from to buy it right now if you wanted to 25, where's that coming from? To be honest, I didn't realize that you still had to pay if you bought it out, that you still had to pay the rest of the payments. So that. Yeah, thwarting my idea here a little. But how'd you think you would do the 9,000 anyway? You can't do a 1,000 hour flight. Oh my. Your vision, how you think you're gonna get there is so incorrect. And so just. Debt when filmed $16,000 current debt amount $12,000 months since filming financial audit 11. I started a YouTube channel and I'm about to be monetized in under 50 days. I've quit my salon and I'm working for myself, doing hair and focusing on my personal brand and online business. I've moved to downtown Austin since filming.

[Guest]

Hi, I'm Jessica. I'm 34 years old. I'm from Miami, Florida and this is financial Audit.

[Caleb Hammer]

What have you gotten? What am I dealing with here?

[Guest]

A lot of courses on the same things to be honest, just from different.

[Caleb Hammer]

But what like what are you doing? Like, tell me anything that is actual answer.

[Guest]

Like social media marketing.

[Caleb Hammer]

But that's you. You're the one that's supposed to be doing this.

[Guest]

Why are you correct? But I need to expand my skill set. I need to learn. You need to learn in your. You're still learning every day, aren't you?

[Caleb Hammer]

Are you?

[Guest]

Are you?

[Caleb Hammer]

Yes. Am I blowing $20,000 for it? No, for sake. Our thing. Our thing. The thing we offer that has like the lowest refund Rate in the industry, even though that's fine, but you get it for free. And you know that you get a free refund within a month if you ask for. If you don't find value. That's how confident we are in it. But even that all five or whenever this comes out, six of our educational programs plus the budget nap is literally 197. How the did you spend $20,000 when we have like the best in the industry with the most lenient refund and the lowest refunds?

[Guest]

Yes.

[Caleb Hammer]

How the did you spend $20,000?

[Guest]

It's a completely different industry. First of all.

[Caleb Hammer]

No, you got some scammed. No, you got great hustled.

[Guest]

They're great coaches.

[Caleb Hammer]

They are zapple card balance is insane, dude.

[Guest]

It's higher now. Like a lot higher.

[Caleb Hammer]

You're doing a Spain. A Spain trip with mom. Are you affirming that? What the.

[Guest]

My mom will affirm that.

[Caleb Hammer]

Your mom affirmed it.

[Guest]

I doubt she will.

[Caleb Hammer]

No. Are you affirming it? No, she'll. She's paying for the entire Spain trip. You are such a spoiled brat. You've never learned a single skill in your life monetary wise. And that means when they are gone, you are. You will blow through all the money as you do now. You are going to be destroyed. Which means your kid's life is going to be nothing but stress because their mother has refused to learn any skills or sacrifice anything. And they're just going to see nothing but stress. Stress, stress trying to pay bills. And that's on you. Disgusting. Disgusting.

[Guest]

That's why I'm here.

[Caleb Hammer]

That's why I'm here. Shut the up. Every time I say something, you push back against it, you little tit. That sense. Filmed 101351 Current debt amount 86 $408 Months since filming Financial Audit 2. The month after I filmed Financial Audit I made $13,000. In my business it hasn't been consistent 13,000 hours, but it hasn't been $2.5K again either. So I was able to pay off all my cards and sold the stupid watch I bought my ex. I still owe my mom and my student loans, but that's about it.

[Guest]

Hi, my name is Kimberly. I'm 25 from New Braunfels, Texas. And this is Financial Audit.

[Caleb Hammer]

Yeah, and you want to have a kid like tomorrow. So what goal matters more?

[Guest]

The mom. The mom.

[Caleb Hammer]

Then why aren't you prioritizing it? I don't understand. That's like your choice. You could just go do that.

[Guest]

I know, but also like fun.

[Caleb Hammer]

Wait. Well, not just go do that, but you can at least make the actual progress and the steps that is necessary to get the getting on a budget, not blowing all our money, not spending 2,000 hours more than we make on a monthly basis.

[Guest]

Yes, but fun is also a priority for me too. And on the spatula she wants to go.

[Caleb Hammer]

It's a priority for all of us. But which one do you choose? They can't both be the top priority when you're obviously failing one from the other. Your obvious top priority is fun. Cause that is what your money. No, that is what your money is doing. That's what fun right now.

[Guest]

Fun right now.

[Caleb Hammer]

But your fun right now is preventing you from having a kid or you're gonna get a kid in a household that's gonna be stressed financially and it's not gonna be a good environment. Well, not the environment you would want.

[Guest]

That's true. But I think fun right now and then focus after this bachelorette, after the wedding and then after the cruise in September I will.

[Caleb Hammer]

September? We're talking to fuckin September. That's a half a year away. You're already talking about having a kid at the end of the year. So sorry. Then a raging. That's so stupid.

[Guest]

I know.

[Caleb Hammer]

That when filmed $20,000 Current debt amount $13,000 Months since filming Financial Audit 8 I've paid off my credit cards and some of my taxes and car. I am attacking the car currently and refinancing at the beginning the of of the year to hopefully get a better rate. I got my raise finally and that has been so helpful. My Christmas bonus will go straight to the car. Things are looking up.

[Guest]

Hey, my name is anastasia. I am 28 years old. I'm from Los Angeles, California and this is Financial Audit. I mean I also do only f CK on the side too for a little bit of extra income. So I.

[Caleb Hammer]

Is that what pushes you over to be able to pay the bills?

[Guest]

Not really. I mean I only fans has kind of gone down a little bit.

[Caleb Hammer]

For you or for everyone?

[Guest]

For. I mean I don't know about everybody else but for me because I. I had a whole ordeal with like an only agency where they kind of like trashed my account. So I mean. Okay, so I started only back.

[Caleb Hammer]

Here's the LA part. Yeah, this makes more sense.

[Guest]

So I started only back in August and I had the help of my friend who was working for an only agency. So she actually always told me don't go to an agency.

[Caleb Hammer]

Oh good.

[Guest]

Yeah.

[Caleb Hammer]

Then let's go to an agency, if one of our close friends works for one and says don't.

[Guest]

Yeah. So what happened was I ended up making like 10k that first month and I was like, oh, well, this is fantastic income. So then it started going down. My friend didn't want to really help me as much anymore, so it was kind of on my own at that point. And I was like, well, I don't want to do this on my own. So that's why I went to an agency because I was already giving like her a cut and my other friend a cut to kind of help me with the account. So I was like, I mean, if they're not helping me, like, it's not going to be any real like difference. Like I was already giving a percentage away. Probably food came into there. I ended. I spent a lot on food because I don't.

[Caleb Hammer]

Okay, I just realized you're 28. Why did you start? People sometimes turn 18 immediately get on that of train when it comes to agencies like those agencies just like wait. And then they're like, oh, 18, yeah, you started decently late for someone. Why'd you start so late? Like, why randomly did you start this? Like literally becoming an online person working in diddling.

[Guest]

So I had always kind of like, I don't think I knew about it when I was 18, but I don't.

[Caleb Hammer]

Know if it existed when we were 18. Yeah. Oh, you.

[Guest]

But I'm two years old.

[Caleb Hammer]

Damn. I'm sorry.

[Guest]

But I think it got to a point where my savings were like super duper low.

[Caleb Hammer]

Oh, see, that's what I don't like. I'm okay with going doing whatever the you want as long as it's not like harming someone else, which someone argued that it actually does. But either way, I'm okay with consenting adults doing consenting adult things. Things that when filmed $28,000 Current debt amount $25,000 Months since filming Financial Audit 8 Currently I am working 40 hours plus doing Instacart on the side. I'm working towards paying off my debt. I have eliminated both the Care and Michael's credit cards as well as all the firms in Klarna. I am attempting to pay more on car payments, but the APR is 6%. My credit card loan is the one that makes things tough. I have saved money towards the summer and plan to continue to do so the next six months and have requested summer hours as well. So there's never a time there's no income. I am working very hard towards my debt because I am so tired of living like this. Any extra money I make goes towards loans and other expenses. I haven't gotten anything fun for myself in a really long time because I'm putting bills and food first right now. I have planned out how long things will actually take to pay off. And right now it looks like for the next four years I'll be paying things off. But I'm making it a goal to have it not be that long.

[Guest]

Hi, I'm Cassie.

[Caleb Hammer]

I'm 29 years old. Hi, I'm Andre. I'm 33 years old. And we're from Oklahoma.

[Guest]

And this is financial audit.

[Caleb Hammer]

So, yeah, Let me defend a 35 interest rate when I can't afford life. I'm aware the way I got. We have no retirement. I'm aware of the way I got it. No, that is the dumb. With your lack of retirement, lack of emergency fund and overall debt situation is done regardless if you spent it on debt. 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 discs. Most of his discs don't work. And we don't have a game store where we're at. Why does it have to be your response? I know it shouldn't be. I'm. I've had that conversation. I appreciate the heart of it, man. That's what I'm saying is I'll defend the heart. I know it was a dumb financial move, but I'll. I'm gonna die on that also. It was more than that. You spent double than just the PlayStation. Yeah, it was the PlayStation and then go on Nintendo Switch for my daughter.

[Guest]

Mm.

[Caleb Hammer]

That she broke two months later. Oh my. You guys just get everything. Don't get. Yeah, there is nothing you don't get. And I see a smart watch on you. This was cash flow, no financing. Doesn't matter. It would have gone towards debt. Okay. So are you buying in game? 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. On skins? How much? Like 92,000. $92,000 on. In game skins? Yeah, that's the best part is I don't have any of them anymore. When you were 19? Yeah. Did you sell them? No, I got banned. Debt when filmed $32,000. Current debt amount $4,000. Months since filming Financial Audit 4, we have paid off all of our affirmed debt and all but one of our credit cards. And our monthly minimums have gone down by $700 total. Oh, yeah. My name is Joey. My name is Joseph. I am 31 years old, born and raised in Austin, Texas. And I forgot the last part again. My name is Joseph. I am still 32 and I still live in Austin. My name is Joseph. I forget my age. Hi, my name is Joseph. I'm 33 years old. Guarantee this. I'm gonna make something happen and I will be held to account because hoping to make a future appearance and you are gonna work every side hustle possible. That extra thousand dollars a month becomes an extra $2,000.

[Guest]

A month. A month.

[Caleb Hammer]

You sure you don't want me to keep at least 500 in case something happened to that car? There's a lot of reasons to be upset and you didn't follow the plan that we talked about. I am not upset by paying something you legally have to. On the flip side, it's like, well, staying broke is harder and I've done that my whole life. So. Did you quote that to yourself right now? Should be easier. If anyone said that before, let me know. But that's kind of was like. Well, yeah, I don't really have any excuses, do I? So what is the situation on this house? How is the minimum payment paid? Who? What? When she sends the money, like 900 to me. Because when we. When you factor in all the bills. What bills? You're talking utilities and. Yeah. Is that half? Yeah, the. No, no, no. It's like, the math is weird, but it's like, like. Well, I need to know how you do it. 1400 between both of us. Because, like, there's also insurance and escrow. Yes. That's like the. The mortgage itself. Escrow. Yes. What is your minimum payment for that? So like half and half. 1400. So 1400 each? Yeah. So she paid each? Yeah, Each. Yeah. And you bring in 24. No, no. Sorry, what did you say? 800 hours a week. 600 hours a week. 600 for me. 2400. And it is 1400 each. Joseph, that's. That's 60% of your money. And that's before utilities, right? That's including utilities. That's insane, Joseph. That when filmed. $20,000. Current debt amount $6,000 months since filming financial audit. 30 just totaled another car. Thumbs up emoji. Hi, my name is Dakota. I'm 23 years old and I'm from Detroit, Michigan. And this is Financial Audit. Now, I gotta note that, you know, it's a little early in the day. You may have skipped breakfast, so wanted to make sure we fed you a snack. That's crazy. You know, I'm not even offended that it's in a dog bowl. I'm more so offended that it's not Fruity Pebbles or anything else other than Cocoa Puffs. I'm not doing this because it's in a dog bowl. I am pretty good. Pay it off. You pay it off every time. No questions asked, no problems, no late fees as I go through this entire thing. Yes, everything is on time. I have always been successful on that. Besides my one missed auto payment on my Best Buy card like three and a half years ago. Oh, I guess your ex was very. Has a negative image in the furry community. Yeah, she is a piece of. Total piece of. Why? Transphobic, racist, ableist, fat phobic, Everything under the sun. Which I think that that community specifically is all those. No, no, no. Usually. Right. Usually there's bad apples. There's bad apples in everything. In every fandom. There's bad apples in anime. Isn't your. What are the furry. I couldn't think of it. Aren't they all fat, trans and. No, no, I would say it's a. It's a decently sized demographic of that genre of people. No disrespect, ladies and gentlemen. You know where you love her. Financial audits. Lesbian correspondent. I need a what. What do we call it? Financial audit. Lesbian score, please. 0 to 10. 0 being the lowest. 10 being the highest. On you.

[Guest]

Okay.

[Caleb Hammer]

I know I have a haircut of a woman. Yeah. Mask. Lesbian man.

[Guest]

Okay.

[Caleb Hammer]

And that you sucked a couple.

[Guest]

Okay, well, I will.

[Caleb Hammer]

Oh, I've had two in my mouth.

[Guest]

This is more like a gay quiz.

[Caleb Hammer]

I've been inside two men, but, you know. You've been inside two men, but it's a lesbian. But I am straight. I've had to figure it out.

[Guest]

You've been inside two men, but you're straight?

[Caleb Hammer]

Yes. I didn't enjoy it. It was honestly the worst thing ever. So were you hard? Not really.

[Guest]

Take me through that. Because you went inside one man and you were like, ah, give it one more try.

[Caleb Hammer]

Well, yeah, it was like, oh, you know, just because the first bite. Not that good doesn't mean the second bike can't Be better. Yeah. So, okay.

[Guest]

What kind of car do you drive?

[Caleb Hammer]

Alexis V8LS 460.

[Guest]

Do you like going to hardware stores?

[Caleb Hammer]

No. Ooh.

[Guest]

Do you have any tattoos?

[Caleb Hammer]

Yeah.

[Guest]

Okay.

[Caleb Hammer]

Like seven.

[Guest]

I'm trying to think. Have you watched Carol?

[Caleb Hammer]

Oh, oh. The. The Netflix animated series?

[Guest]

Nope. Nope. Yeah, no, she's not a lesbian.

[Caleb Hammer]

What's the score? It's really not the animated series. Carol. 2 out of 10 debt when filmed $25,000. Current debt amount $23,000. Months since filming Financial Audit 2. I got my credit card APR. Interest rate dropped from 29.9% to 12% for a year on a fixed term. Disables the card but allows me to pay it off faster. Saving up for a streaming setup. Now that Twitch graciously gave me my Twitch partner so I can begin paying down my debts even faster. Life has been good. Lots of people recognize me in real life and talk to me about the show. Very grateful for Caleb and the team for having me. Yes. I don't actually think Caleb's gay for driving a Tesla. That was just for the cameras. Let's be real. Navigating insurance feels like trying to read ancient scrolls written by lawyers. And if you've been thinking about starting a weight loss journey but got stuck in the swamp of fine print and phone trees, you're not alone. And that is why I love what RO is doing. They've built a free tool. Yeah, free. To help you check if Your insurance covers GLP1 medications, also known as weight loss injections. It's called the Insurance Checker and it cuts through the red tape like your kid ripping open every holiday gift before 7am you don't have to be a RO member and there's no commitment. Just upload your insurance info and a few days later you'll get a report that shows you what's covered if prior authorization is needed and where to go from there.

[Guest]

There.

[Caleb Hammer]

No guesswork, no music, no nonsense. Join over a million people who've already used road to check their coverage. Go to Ro Co Caleb for your free insurance checker. That is Ro Co. Caleb, to see if your insurance covers GLP1s for free. And go to Ro Co Safety for box warning and full safety information about GLP1 medications. Let's get back to the episode. Ho ho ho and Merry Christmas, Happy Holidays and all that good, good stuff. You've been extra good this year, so I'm gifting you 50 off your first three months of master your money right now through December 29th. You can crush debt, find an average of 200 in savings per month. Join a thriving community of budgeting ninjas and free access to the premium version of the Dollar wise budgeting app. But don't wait. My elves are shutting this down at midnight on the 29th. So if you want to get your finances in shape before the holiday hangover hit hits in the new year, this is your chance. Click the link below to say, big on master money. Happy holidays, Merry Christmas, Hanukkah, all that, and see you inside.

[Guest]

Hi, my name is Sabrina. I'm 21 years old. I'm from Melbourne, Florida. And you're watching Financial Audit.

[Caleb Hammer]

When I was in college, this is used furniture off of Facebook Marketplace that I spent like 100 bucks on for everything.

[Guest]

I did get a bunch of money. This is things.

[Caleb Hammer]

Kidding. Yeah, but if you were scrapping, if you were being scrappy, you would not be in these kind of finances.

[Guest]

Yeah, I mean, I'm also only 21 and I never lived alone, so it's kind of hard to just like, boop. Now you're on your own.

[Caleb Hammer]

I am going to commit against this generation.

[Guest]

I am so sorry.

[Caleb Hammer]

Are you, like, actually stupid?

[Guest]

No.

[Caleb Hammer]

Can I ask you that?

[Guest]

I've actually been taking care of everything since I was 12, so.

[Caleb Hammer]

Okay, yeah. What was then? Great. I would actually like to hear that. Then what is the. I'm just a 21 year old. What a. What is the infant. Everyone does. You're gonna make mistakes until you die. Yeah, it's not the. I'm 21. Don't infantilize yourself and give yourself a preemptive excuse to up. You will up because you are a human in a very temporary life on earth. But stuff that's infantilized. Next you're gonna pull out the. Oh, but my frontal lobe's not fully developed until 25.

[Guest]

I'm a psych man, dude.

[Caleb Hammer]

After, like, 14, you have the cognitive skills to make the vast majority of rational decisions in this world, and then it slightly develops more until 25. It's not like a switch is flipped. So what the does? I'm just 21.

[Guest]

Well, you asked.

[Caleb Hammer]

It's so stupid. I didn't ask that.

[Guest]

Well, yeah, but I mean, you asked why. Yeah.

[Caleb Hammer]

And that's your answer is part of it is I get to excuse everything because I'm too young to be able to advocate for myself and make mature choices.

[Guest]

Well, a bunch of the cards had, like, 0% aprs, so I was using those because I didn't have anything in the bank. And then I just like.

[Caleb Hammer]

Did you Know what that would end up meaning?

[Guest]

Yeah, that it like accrues $40 payment.

[Caleb Hammer]

On this $1,005.35 owed. Oh, for. Well, it looks like the balance has paid off last month. But then you purchased $1,005. Yeah. So what's up with this card?

[Guest]

That's the shared card we used when we moved in.

[Caleb Hammer]

Who shared? Shared with who?

[Guest]

The boyfriend.

[Caleb Hammer]

Well, not shared.

[Guest]

He's an authorized user.

[Caleb Hammer]

Oh, God. Oh, but you're not married yet. Why are you getting so entangled like this?

[Guest]

Because he had no credit.

[Caleb Hammer]

Tell him to get an intro credit card. He did. He actually got a fizz. Okay. Then all of a sudden, then we realize.

[Guest]

Yeah, I wanted him to start building credit.

[Caleb Hammer]

Okay, so he got the fizz card.

[Guest]

Great.

[Caleb Hammer]

So why the did he need to be on this card?

[Guest]

I added him before that.

[Caleb Hammer]

Debt when filmed $38,000. Current debt amount $30,000. Months since filming Financial Audit 7, I got a promotional work and left my private university to get my management bachelor's at a state college nearby. I also ended up enrolling in a debt management program that has already helped me handle two of my bad debts.

[Guest]

Hi, my name is Evelyn. I'm 29 years old. I'm from Lebanon, Tennessee. And this is Financial Audit.

[Caleb Hammer]

What the is wrong with you? What is possibly wrong with you?

[Guest]

So I'll tell you what I did with that.

[Caleb Hammer]

Nothing. You've done nothing.

[Guest]

Exactly. So I took out that loan, and then I realized that I couldn't pay it because I didn't have a job and. Yeah, no, I changed bank accounts.

[Caleb Hammer]

Are you stupid? What do you mean? This was through your bank? Oh, you just. What, because it was going to auto draft? Is that what you're saying?

[Guest]

Yes. And there was not a way that you could.

[Caleb Hammer]

It'll probably go to collections because it's not a huge amount, and that tends to be where payday loans go. But technically they could small claims you. They could go legally after you. They could. They have that right. And that rent is incredible.

[Guest]

Amazing.

[Caleb Hammer]

What?

[Guest]

Just amazing. You're pretty eyes.

[Caleb Hammer]

Oh, okay. We're not doing. I'm not sending you money for tits, dude. It's not how this is gonna work. That is not your way out.

[Guest]

I wouldn't send you mine.

[Caleb Hammer]

I know Sono in my life, I'm not gonna out them. But every time he sends. Schlong picks the women. Yeah, he takes them from Twitter. It's never his.

[Guest]

It's a business.

[Caleb Hammer]

And I don't do any because it'd be way too risky for Me. Me.

[Guest]

So it's a big.

[Caleb Hammer]

Also, no one wants long pics. No one cares about that. Like boobs. Boobs are beautiful. Who wants to sk a dick now?

[Guest]

They look ugly.

[Caleb Hammer]

They do.

[Guest]

They look like aliens.

[Caleb Hammer]

Thank you for the compliment.

[Guest]

You're welcome.

[Caleb Hammer]

Your eyes are far apart. Debt when filmed $40,000 Current debt amount $20,000 Months since filming Financial Audit 12 all debt has been taken care of. I have a brand new car, 600 plus credit score. Hopefully starting nursing school in January. Have to pay out of pocket and I'm financially comfortable enough to buy the things I want in life. Hi, my Name's Rex. I'm 34. I'm from Lansing, Michigan. And this is financial audit. You couldn't successfully complete holding a job for more than six months. You couldn't work in a kitchen. You can't go and sit across a desk from someone without having to sit in a house for a week. You're a child. You're incapable of existing in this world. And you and doing all this stuff that you want to do. And just like by the way your kid. You want to homeschool your kid. All this stuff that you are choosing is gonna put you in a position where they're gonna have to put their life on hold to take care of their joke of a dad. That is your choice. And it's honestly a disgusting choice. It is a selfish choice. So them being sick from being in public school constantly is a better thing. So how would I take care of a sick kid?

[Guest]

I can't afford a babysitter.

[Caleb Hammer]

I can't afford a hospital bill. Hospital if they get the sniffles. Covet is not the sniffles. I didn't even say Covid. You just said sick. I'm suggesting a cold. Yep. There's.

[Guest]

There's hardly even colds anymore. There's.

[Caleb Hammer]

That's not even true. That's. I know that's not true. Bring up the wastewater data and look up colds over the last five years. Robo, you should check it out. Buddy. I'm not falling down your conspiracy holes. If you find the truth to be conspiracy. There are other problems. That's what everyone says. Buddy. That is in your. You've met someone else that's taken this many coveted precautions, Matt. No, but we've all seen them. Buddy. I. We all know people like you in society and you never go anywhere the survivors you never go. Long after the rest of you are gone. I highly doubt, doubt that I will.

[Guest]

Be Tree Service Co.

[Caleb Hammer]

I was the longest you've held down A real job, the tree service company, was how long? That was almost six months. Oh, and I caught a lot. Is this even worth going through your documents? Oh, my. I think. I think I caught a lot of my head on that. I think you're just lost, man. I think you're just. You're gonna be afraid until the moment you die of everything. And I'm not saying people didn't get sick. I'm not. I'm not saying I'm on the other side of it either. I'm not saying I'm on your side. I'm not even taking an opinion or stance because, honestly, I'm just not educated. I just don't really care. I was like, you know, I got a little bit of fever, and I was like, oh, this sucks. Hopefully I can go outside again soon. And then I did. Hopefully I can move again is some people's reality. I didn't. I didn't know that then that was. Didn't know what. I didn't know what. Who to look for to help me Google who to look for to help me in.

[Guest]

In 2014.

[Caleb Hammer]

I just had. You're able to look things up, right? But when I looked it up, it just said, go to H R Block and talk to a tax person. That was a paid ad at the top. Okay. So I was living in Knoxville at the time in a house that was. What percentage were you guys estimating that we.

[Guest]

Well, we were planning for 30%.

[Caleb Hammer]

You put 30% aside?

[Guest]

No.

[Caleb Hammer]

No, we didn't.

[Guest]

That's what we were planning to, but.

[Caleb Hammer]

We never did mean third planning to for a half a decade. You're not planning now? I believe even less that I'm gonna start making money or it's starting. It's starting slowly. It's gonna happen because I was planning. It was five years of planning. You planning? How much did you. What percentage did you guys actually set aside? Planning set aside? None.

[Guest]

It was just.

[Caleb Hammer]

Taxes. Well, no, we would file the. The form, but you didn't pay. Yeah. Yeah. That. When filmed. $400,000. Current debt amount. $400,000. Months since filming Financial Audit 9. Been working full time since the show. My kid starts public school again on Monday. Paid back my loans from friends, working on rebuilding credit and saving for a property. My name is Logan from San Antonio, Texas, and I'm 21. And this is Financial Audit. Yes, it is. This has been interesting. The few minutes I've been in the room, when I. When I saw you from afar. Yeah. I thought you were either a they. Them making Me my coffee or just straight up lesbian. Oh, yeah. That's incredible. He has birthing hips. For those who don't know, maybe you want to stand up and give us a twirl. I think I don't have bird. Oh. This is why I saw it afar, because he has so many things in his pocket. So when I saw him across the studio, I was like, all right, we got a lesbian. Yeah, big time. I'm a big time woman lover, so I'll take. Yeah, unfortunately, I just have a straight dude. Yeah, it's not as interesting. No, it's not. Everyone likes good lesbian mix up. Yeah, we love the lesbian. We really do. She was hardcore with it. And the worst part was I had to wake up for work the next day and she was yelling at me until like 2, 3 in the morning. And that's whenever she poured water all over the bed so I couldn't go to sleep. And she. Why were you with this woman? I've never been with someone that has done 1% of these things. And then she. She punched me in the head twice. She. Yeah, she threw all my broke it, smashed my post show. I can't. You can't. She. I don't know. She blocked me on there. She doesn't want to talk to me. I have a phone. She doesn't want to talk to me, bro. She won't. I will plug it in. I only had time to do the essential parts. I was limited by print time. It says Hammer. Hammer that dollar. Oh, sorry. Yeah, yeah. It's incredible, the money. Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is I just make stupid robotics and sometimes I do make actual robotics for work. This is what we' starting a business with. Nice. No, no, no, no, no, no. The business is not this. Okay? And that's the whole bit. To save you from heartbreak in the future. Put your dick under there right now. Yeah, that probably would help my financial situation. Remove the little head and think with the big one. But we've all that when filmed. $15,000 current debt amount 7,000 hours months since filming financial audit 2 not gonna lie locked in. This month of December, I'm about to pay another $4,000 to debt and in January I'll be done. Heart face emoji V Excited to not have any anymore. Stupid Jeep finally got running and I'm buying some parts for it and selling it in January too. Pretty sick nasty if I do say myself. Also something kind of cool. I got my savings from Zip to $2,500 too in these months. Also, I increased my income from $8,200 a month to all of the last three months. I've made between $11,000 to $12,000, which is tight. Been paying hella to the truck too. Everything on the up and up show was fun. A lot more people than I thought. Found it, which is weird, but okay, I guess. Hope all's well on yalls end. Take care.

[Guest]

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

[Caleb Hammer]

Financial audit, septum. Piercing once a week at this point, huh?

[Guest]

Yes.

[Caleb Hammer]

Okay, I'm glad you answered. Yes. Are you in the casting department here? Okay. Your degree was not in substitute teaching.

[Guest]

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

[Caleb Hammer]

What?

[Guest]

Chicano studies.

[Caleb Hammer]

Hold on. I'm real white.

[Guest]

Are you judging me?

[Caleb Hammer]

No, I'm. I'm. I'm white. Very, very white. I am realizing now. So I'm Chicano.

[Guest]

Yes.

[Caleb Hammer]

Is definitely not chicken. I do know that. Okay. I don't know what Chicano is.

[Guest]

Really. What?

[Caleb Hammer]

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

[Guest]

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

[Caleb Hammer]

And you got a degree in that?

[Guest]

Yes.

[Caleb Hammer]

On purpose?

[Guest]

Kind of. I wanted to connect. Kind of, Yeah. I wanted to connect to my roots and.

[Caleb Hammer]

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

[Guest]

But I could go back to school.

[Caleb Hammer]

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

[Guest]

If it's like a Mexican American nonprofit.

[Caleb Hammer]

American nonprofit doing what? What's your job? I don't know.

[Guest]

I only know the job that I.

[Caleb Hammer]

Have personally, which does not require a degree and definitely not that degree. Yeah, it's true. So you're wasting your life. You have nothing going for you and you've done nothing in your 30.

[Guest]

That's not true.

[Caleb Hammer]

What the are you talking about? Your debt is only going up. Your overdrafting is only going up because you can't stop spending like a animal. It's minimal payment.

[Guest]

It does it on its own. I haven't used overdraft.

[Caleb Hammer]

Yes. What?

[Guest]

Yes, you did. When?

[Caleb Hammer]

The first of last month. First of last month. The first of last month. It's a normal overdraft.

[Guest]

So just another overdraft on top of the overdraft?

[Caleb Hammer]

Yes. It gets added to your little overdraft loan account, which I've never even seen before, by the way. Congratulations on making financial out of history of something so horrible and disgusting. That is not cute. You're gonna piss me off and I'm gonna kick you the off. I'm gonna kick you the off if you keep trying to be cute. You're not being cute. You're being an obnoxious.

[Guest]

Oh, my God.

[Caleb Hammer]

Debt when filmed $46,100. Current debt amount $43,107. Months since filming Financial Audit 5. My shopping habits and gift giving habits are still bad, but I now have a budget planner that I fill in every month. The beginning of the month, I write down my bills on the calendar it provides. And at the end of the month, I write down every purchase I made so I could visually see what I'm spending and try to lower it the following month.

[Guest]

Hi, I'm Char. I'm 42 years old from Orlando, Florida. And you're watching Financial Audit.

[Caleb Hammer]

What was your house like?

[Guest]

I'm psychic.

[Caleb Hammer]

What went out?

[Guest]

70 or 80 $500.

[Caleb Hammer]

Very good. So more?

[Guest]

Yeah, more. I probably spent more than I brought in.

[Caleb Hammer]

Okay, well, it was $9,684.

[Guest]

Oh, dang. Oh, dang it. How did I spend $909,000? I mean.

[Caleb Hammer]

Well, that's. I know how everyone asks, but here's the thing. Clearly it's debt or else you wouldn't be here, honestly, because you are required to have debt in order to be on the show. And that is what must be supplementing this. I see no other way. What is your life? What? Like, what is going on? Please tell me. Tell me just, like, what is going on? No, no. So listen, you literally just did this before coming on the show. You took that action.

[Guest]

Yes.

[Caleb Hammer]

Walk me through that moment.

[Guest]

Oh, wait, what did I do before we came?

[Caleb Hammer]

Oh, you just transferred to the previous card. You. You tit. Listen, you just transferred because remember, I had a balance of 3,000.

[Guest]

I'm so sorry. I thought you were talking about the capital one. We're all over the place here. And I'm already all over the place.

[Caleb Hammer]

So just walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out from it, even though you yourself are saying you do not like doing it and you do not want to do it.

[Guest]

It's a necessary evil at this point because I've gotten in the cycle, so I'm cycling through it. I'm an experienced person, and I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded. Oh, I mean.

[Caleb Hammer]

Debt when filmed. $52,000. Current debt amount $37,000. Months since filming Financial Audit 3, I paid down my credit card from 21,000 hours till $10,500.

[Guest]

Hi, my name is Kaylee. I am 37 years old. I live in Mariposa, California. And welcome to Financial Audit.

[Caleb Hammer]

If you have bills to pay. Work.

[Guest]

Yeah, it's better than 9 to 5. I only work from 6am to 2pm So I have, like, the whole day ahead of me. When I get off, it's pretty tip.

[Caleb Hammer]

Yeah, but it's pretty tits. Okay, interesting. But that means you probably go to bed earlier anyway. I mean, your days are just, like, shifted, right?

[Guest]

I don't need a lot of sleep.

[Caleb Hammer]

Okay. Okay. Well, that's. That. That's not what matters here. What matters is if you're on the show, you're probably not doing financially well. She's a Garth Bix, Garth Brooks girly.

[Guest]

She is. I was. I was telling Lindsay actually on our call that I was kicked out of a Garth Brooks concert once. My third one. Do you want that story?

[Caleb Hammer]

No.

[Guest]

All right, back to the finances.

[Caleb Hammer]

I'm trying.

[Guest]

Okay.

[Caleb Hammer]

My gosh. I have just insane notes about your spending. How you're just blowing money buying weight loss supplements from China on the gray market. It was like Oz Epic. And then you started buying things to lose weight and injecting them from China. Then you started getting into pharmaceuticals from India. You gained a bunch of weight when your boyfriend started dating.

[Guest]

Yeah, I did. Yeah.

[Caleb Hammer]

And now you're still spending $21 for 10 doses of bootleg Ozempic Tirzepatide.

[Guest]

There's a difference.

[Caleb Hammer]

What the are you? And you're reselling it to your friend. What are you. What is your life?

[Guest]

Not that bad from, like, the day to day. It's just when you look at it from the outside, it does look pretty.

[Caleb Hammer]

When we put your life together and actually look at it, it's crazy and insane. Yeah. That when filmed, $8,000 credit cards. Current debt amount, 3,200 credit cards. Months since filming Financial Audit 6, I already did this with Lindsay. We just filmed our check in. But life is good. Two of the three cards are paid off. I even ran up the balance further on the 0% card when I bought flooring because I knew I could pay it off. Sunglasses emoji. The third car is a work in progress. My boyfriend is fantastic and still sober. My child is still in my custody. Lmao. And I'm no longer working at the crazy hotel. I got a much better and more chill job.

[Guest]

Hi, my name is Kylie. I'm 34.

[Caleb Hammer]

Hi, my name is Timothy. I'm 33 and we are from Las Vegas.

[Guest]

And this is financial auction.

[Caleb Hammer]

It like I just had a full blown seizure. This is, you know, on your guys part because you guys have added all this extra stress to my life. You guys don't care about neurodivergent employees. Neurodivergent? What's your neurodivergent? I. I don't know. I gotta, I gotta go in and get tested at some point. I might be ADHD or autistic. He doesn't have anything. And he emails the company saying you don't care about neurodivergent, by the way. I don't have anything. You don't care? No. I've done the self assessments. I've been assessed. With what? Did you take an online autism quiz? Yeah. Oh, that's like the Harry Potter house assessment quiz. Those are so nothing. All right, well, I know how my brain works and it's up and I don't think it's normal. So I find it neurodivergent because I'm not neurotypical. I feel like you went down the rabbit hole of self diagnosed forever. Now you had a seizure. That's something. But come on. Self diagnosis, Brain diagnosia. Ted. Yeah, I need to. I've been dealing with some other. This was multiple years ago. No, it was like two years ago and I've been dealing with other. What is wrong with you guys? What is wrong with you? Discounts at Disney. We weren't discounting at Disney. We. Doordashed Duncan. Doordash, Dunkin. Doordash, McDonald's. Went to McDonald's. Doordash, Dunkin. DoorDash, Pizza. DoorDash, Dunkin. DoorDash, Duncan. DoorDash, McDonald. DoorDash, Duncan. Doordash, Wendy's. DoorDash, Jersey Mike's. DoorDash, McDonald's Etsy. DoorDash, Double Dash. DoorDash, McDonald's. DoorDash, Duncan. DoorDash, Wendy's. Doordash, Duncan. Marcy's. Doordash Duncan. Doordash Duncan. DoorDash Duncan. It is. 1, 2, 3, 4, 5, 6, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 24 purchases on this card and not one of them was considered a necessity. They were all in fact complete. That when filmed $51,000 Current debt amount $45,000 Months since filming Financial Officer IT6 we started with a budget right away, canceled out door dash accounts, paid off all credit card debt and started saving. We currently have two months of expenses saved, working up to six before starting a self directed investment account. We went on a family trip to Disney World and saved before purchasing tickets. So we had no debt to come home to and we talk about finances a lot more often.

[Guest]

Hi, I'm Nicole and I'm 38 years old.

[Caleb Hammer]

I'm Sam, I'm 39 and we are from northwest Arkansas and this is financial audit. Guys, I'm excited. I love a good couple's audit. Thanks for coming down to Austin, Nicole. You're the one in front of me. So let's start with you. What do you do for a living in northwest Arkansas?

[Guest]

I do only as a foot model.

[Caleb Hammer]

I was. That kind of makes sense because you've certainly aged out.

[Guest]

Yeah.

[Caleb Hammer]

Of normal. O. Yep. Okay. So a section I guess is our goal. Instead of paying off $48,000 of bad debt. Why does that make sense? Can someone walk me through why that makes sense versus the priority of bad debt? More custom content. Me being able to sell off some of my collection is sell off and yeah, yeah. So having the shed is going to allow you to sell off the contents. So right now if I want to sort through my cards, I literally have to unstack those 5,000 boxes and take the one that I want and put it on the bed and sort in the lid on. But if they're all in the shed room that take away space and ruin the. No, I'd have a table and to spread them out but yes, I mean that would take away room for content but it's a pretty decent sized shed. What kind of space is needed for then I would assume you already. How does the 1600 square foot house not have a corner?

[Guest]

Because like an actual private corner that is is not loud and have other sounds.

[Caleb Hammer]

So if the kids see mother walk to shed they know she's getting her freak off.

[Guest]

Well, a lot of times I won't do that. Like I do it when they're in.

[Caleb Hammer]

School and stuff and like there is that not the answer then already? I mean, school just started back. I know, but. But if we only do it while they're in school. Because you can stock up for the summer. I mean, content is easy to.

[Guest]

No, because that's the thing. I get too tired and I don't want to do it of. And it feeds. Yeah, but it's a lot harder than you think.

[Caleb Hammer]

Okay.

[Guest]

Setting up in my.

[Caleb Hammer]

I'll let you know. Believe it or not, I know a couple things about content.

[Guest]

You do And. Yeah.

[Caleb Hammer]

And this is a really big production. Yeah.

[Guest]

Mine is. I do it.

[Caleb Hammer]

She does it. All by yourself? I never did that. I believe you did an endless amount of time before I was able to bring out people. Absolutely.

[Guest]

But did you have kids that were around you and then like.

[Caleb Hammer]

No, but you said they're in school.

[Guest]

Yes, but it's also like with my mom and the dog and all of that. Trying to clean the area. Get the lighting dog.

[Caleb Hammer]

Debt when filmed $46,000 current debt amount $38,000 months since filming financial audit 5 enrolled in a debt consolidation program that lowered my interest rates and consolidated to one monthly payment. No longer have revolving credit card balance and I'm working on selling most of my MTG collection. I am keeping my decks and buying singles if I build new ones, but selling my collection of cards.

[Guest]

Hello, my name is Natasha.

[Caleb Hammer]

I'm 29 years old and I'm Oscar and I'm 32 years old. And we're from Phoenix, Arizona and this is Financial Audit. I'm gonna go three, two, one, point on point. I want you guys at the exact same time to give me what you think your financial score is. 0 to 10. 0 being the worst, 10 being the best. Okay.

[Guest]

Okay.

[Caleb Hammer]

Okay. Yep. 3 trace. Do uno.

[Guest]

5, 1.

[Caleb Hammer]

Almost at the same time. You're. Why again? Why 5? Why do you think?

[Guest]

You're middle of the road, Caleb, F you. Okay. I think everybody has debt.

[Caleb Hammer]

Okay, that's not true. But yes, Americans love debt.

[Guest]

I think that. I really think that I try not to spend as much or try to like do everything I want to do. So I try to hold myself back and not spend as much.

[Caleb Hammer]

I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself and like she doesn't care about the numbers, like what the numbers are showing. She just think everything's just gonna get resolved out of nowhere. I will say because I know immigration is such a hot top, a hot button topic right now in a non controversial way because. Because Obviously every country chooses or I guess you know, wants to choose who is coming in and out. You're the like, you're the dude. Cause we have a declining birth rate. If people are gonna come here, I want you. This dude's coming here, working 40, 50, 60 hours a week, grinding, adding into population increase. You know, that's what I like. I like people who are coming in and then they're like, oh, I love America. I'm gonna work. And you know, contributed to the overall love that.

[Guest]

Good job.

[Caleb Hammer]

Thank you. You stop.

[Guest]

You're so bad.

[Caleb Hammer]

No, you're okay. I promise.

[Guest]

I. I've always had a job. I'm a hard worker.

[Caleb Hammer]

We've always gotten fired from a job.

[Guest]

Just this past couple years. Cuz I had really hard losses. I promise.

[Caleb Hammer]

Are you guys protected right now? Yeah, currently we have a system. We have a. A work permit that we have to renew every two years.

[Guest]

Yeah.

[Caleb Hammer]

As long as we don't get like any felonies or yeah. Tax evasions, anything like that then. Debt when filmed $100,000 current debt amount $77,000 months since filming financial audit 2 we participated in October. The biggest advice we received was to get rid of our truck as soon as we got home. The next day we went and traded in the car for a $15,000 family SUV. We paid off two accounts and we are working on paying off another account of about $1,500. After the holidays, Oscar will have a lot of days off as he works in construction and they do not pay for days off for holidays. We have to make sure we will be good for the next month before we try to pay another thing off. We are only getting one gift per kid and no gifts to each other from Oscar and I thank you for all your guys help.

[Guest]

Hi, I'm Taylor. I'm 31 years old and I'm from Austin, Texas. And this is financial audit. Like when you lose.

[Caleb Hammer]

Totally agree. It's been seven months. God.

[Guest]

Seven months is not a lot of time.

[Caleb Hammer]

Seven months is a lot of. When you have kids, seven months is a lot of time to make seven individual budgets are. I do. It is math. It is numbers. I make budgets. It's not math.

[Guest]

Okay, kid.

[Caleb Hammer]

The numbers around kids are not math.

[Guest]

You can't just label like, oh, it costs ten grand a year for each kid. Like whatever.

[Caleb Hammer]

I don't do that. I budget based on the household. Have you ever watched the show or are you just a moron? I know everyone that comes on the show watches the show. So you're either Just a dumb sitting here trying to make an argument that doesn't exist. You're trying to fight an argument that.

[Guest]

I've never made like three episodes of your show. I didn't even know really the show until my friend told me about it.

[Caleb Hammer]

Okay, you've seen three episodes. I think you've seen a decent amount of the show.

[Guest]

Yeah.

[Caleb Hammer]

Doesn't change that much.

[Guest]

Kids and what they cost fluctuates.

[Caleb Hammer]

Numbers and fluctuates. And guess what? You put that in budgets. Yep. Late payment. Who would have thought? $41 fee, $32.75 interest. Oh, you've had three late fees this.

[Guest]

Year, but none have hit my credit.

[Caleb Hammer]

Doesn't matter. It's more money you owe you dumb. I've never thousands in interest and fees.

[Guest]

I have thousands paid attention to that.

[Caleb Hammer]

Why?

[Guest]

Like, I guess just ignorance. Like, I just don't.

[Caleb Hammer]

Ignorance?

[Guest]

Yeah.

[Caleb Hammer]

Like, in what way?

[Guest]

Well, ignorance of.

[Caleb Hammer]

Like you didn't even know it to.

[Guest]

Look, I mean, I know that there's interest being added to it. I know that there's fees, but I'm not.

[Caleb Hammer]

I don't know if that's ignorance. That's more willful. Yeah, yeah. Taylor Swift shop you. It was all necessities, guys. PayPal and out 950 fanfict fix, pan fix.

[Guest]

I think that's like a material. No, like a subscription on Amazon for something.

[Caleb Hammer]

Debt when filmed $530,000. Current debt amount $85,000. Months since filming a financial audit. 2. I transferred the mortgage back to my ex husband and moved into a rental that is $1,000 a month cheaper than the mortgage. I'm using the extra $1,000 a month to pay down balances and get caught back up.

[Guest]

Hi, I'm Aubrey. I'm 27. I'm from Johnson City, Tennessee, and this is the financial audit.

[Caleb Hammer]

You're right. Bills will always be there if you don't pay them. Why don't you pay your bills?

[Guest]

I'm not paying them because I don't know why I'm not paying them. I should pay them.

[Caleb Hammer]

That's not an answer.

[Guest]

I do pay on them, but like, when it gets to this point, I just feel like, oh, well, just.

[Caleb Hammer]

Just.

[Guest]

I'm just not gonna pay on anymore because what's the point? I'm already screwed.

[Caleb Hammer]

What the are you talking about? No, no, no, no, no. You pay, you make progress, you get out of it, and then you're not screwed. What do you mean?

[Guest]

But I. Where I live, paycheck to paycheck. It's so Hard.

[Caleb Hammer]

You don't have a paycheck. What paycheck are you paycheck to paycheck with? You don't have a paycheck, you don't make money.

[Guest]

For now I don't.

[Caleb Hammer]

So you have paycheck to paycheck. You're around to. Around. You're friend to friend, paycheck to paycheck. How would you actually make a paycheck? And I'll be proud. Oh, I am irritated. I am irritated. Oh, okay. Oh, try to not go. Gosh, Not a statement, not a question, Not a. But answer the question. Please, please, please, please, please, please.

[Guest]

I mean, a credit score. The credit score that I have now is not good. But it's better than nothing at all. It's better than what you started.

[Caleb Hammer]

Are you kidding me? Can you not answer my question? Can you seriously not answer it? Are you incapable?

[Guest]

No, I'm capable.

[Caleb Hammer]

Capably answer it. Then what credit are you planning to take advantage of, like right now?

[Guest]

I don't. Okay. I don't know. I just think that.

[Caleb Hammer]

Okay.

[Guest]

I just think that any credit is better than no credit if you're gonna.

[Caleb Hammer]

Take advantage of it.

[Guest]

Okay, well, what if I close some credit cards, but then keep some open. Not close all of them.

[Caleb Hammer]

Do you understand why I'm saying to close them? Because you can't control them. You spend on them. They're above the credit card limits. You're not making your payments. You are not a credit card person. You cannot have access to them because the credit industry is bending you over. And you are not taking advantage of them. They are taking taking advantage of you. You in no way whatsoever are getting any benefit. They're getting all the benefit and rewards that they seek and they gain off of you. They are taking advantage of you that when filmed $35,000 current debt amount $19,000 months since filming financial audit 19 I realized after coming off of the show that I didn't care about my financial finances the way I should have long before. I barely skated by and was on the path to be a slave to the lender for the rest of my life. So I began to shift my priorities and realized getting out of debt meant freedom. I had mentioned I wanted to travel, but how could I living the way I was? I decided to accept defeat with my credit cards and realized there was no way I could ever win. I was living out of my means, which meant I either needed to start grinding to make more money or lower my expenses slash shopping habit. So I did both. I consolidated my debt, closing all of my credit card accounts. I found a way to live rent free for four months to save money, worked 14 hour shifts serving tables at two different restaurants and stopped spending on meaningless things. The only active debt I have is my car and I'm on track to have it paid off the first of the year. I was naive to think if I never made a change I would eventually find my way out. That would have taken more years than I have now. I stand a chance and put plan to be out of debt by the end of the coming year. If not sooner completely. So thank you so much for all your help. I might not have listened at the time, but I sure hear you now. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use. Use Chime also it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Auto and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that 350 right now in your checking account. Starbucks is and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gamer subs. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb.

[Guest]

Hi, my name is Rosa.

[Caleb Hammer]

Cutting that off. This is. You guys have broken records. We have just. I need to get into this episode like legitimately right now because this is the biggest stack of paperwork I've ever seen in my life. Listen to this sound. This is insane. So we got Sam, we got Rosa. 27, 26 San Antonio. That's wonderful. But I need to start this thing because we're going to be sitting here for. For like four. How in the world do you guys have so much paperwork? Yeah, there's a card at limit of 3,700. So you.

[Guest]

Yeah, that one was for the house. Like when the house Payment came out.

[Caleb Hammer]

Like it was Use a credit card essentially for the house payment.

[Guest]

Basically. Yeah.

[Caleb Hammer]

When can we not afford a mortgage? When we're using a credit card. Hard to pay for it. Or also maybe we don't spend half of our income on literal bull.

[Guest]

Yeah.

[Caleb Hammer]

So why. Why was more important than a mortgage, guys?

[Guest]

Why was it H. I think just the spending got out of control, guys.

[Caleb Hammer]

Maybe I just need to give up all of my morals and just be in the business of giving people like 50% loans. Cuz apparently there's people there like you. If I just ask you if you want it, you'll take it. Cuz you'll take out any. Any debt that is presented.

[Guest]

What?

[Caleb Hammer]

Open, derogatory.

[Guest]

Oh, oh, no, no, no.

[Caleb Hammer]

T Mobile.

[Guest]

No, wait.

[Caleb Hammer]

T Mobile and collections.

[Guest]

Wait, pause, pause.

[Caleb Hammer]

So pausing.

[Guest]

So that one was. That one was four years ago.

[Caleb Hammer]

Okay.

[Guest]

But they keep like, like putting it on my credit.

[Caleb Hammer]

Yeah, no, it was four years ago.

[Guest]

But I don't want to pay that one.

[Caleb Hammer]

Why?

[Guest]

It was. It was. I want to pay that one. It was like some family stuff and I know they fall off after seven years.

[Caleb Hammer]

Guess what, Guess what, Guess what. You still owe it.

[Guest]

Okay. Yeah.

[Caleb Hammer]

Whether or not it's family stuff.

[Guest]

So I, I have tried to call to see if they'll lower it and they gave me half off, but I just don't know if it makes sense to pay it off if it's going to fall off in three years. So I did want to ask you about that one.

[Caleb Hammer]

That's not my top concern out of all these.

[Guest]

Okay.

[Caleb Hammer]

It's not. Debt when filmed $105,841. Current debt amount 21 $158. Months since filming Financial Audit 14 since being on the show, Life has been wild in the best way. Our income literally doubled. We went from 6,000 hours a month to $12,000 thousand hours a month. And we're on track to hit around 17,000 hours monthly next year. Our debt payment dropped from. Well, actually I'm reading it right here, but I think instead of reading it, we should actually see where they stand in a video format. Let's watch that. All right, well, welcome back. You guys have done this so, you know, a few times now everyone knows. Yeah, everyone's cheering from you, for you. You guys were in the original fat stack week and I popped into your live stream a couple weeks ago. You were live on Tick Tock. You were talking about your debt journey and everything.

[Guest]

Yes.

[Caleb Hammer]

And earlier that day, earlier that week, Lindsay, you know, she kind of whispered to me a little like, you know, a good follow up is coming soon. Something exciting. And I was like, okay. So I popped in your tick tock. And I was like, I heard some good news is coming. I'm excited to see what we do, what we're doing. Okay. I'm excited to see what we're doing. I. I don't even need to do a full recap. You know, we did that in the intro and everything. The thing is, you guys came in with one of the worst overall numbers financial situation we have seen because it was beyond the original fast tack week. We've done two fast act weeks, I think, and it was just. It took us forever to get through that document. You guys were ruined. Where are we? I would say we're just about done with that journey. Just about done. Just about done. I feel like we did all necessary steps. We've been more disciplined. We've been following the guidelines, watching all the. Our bad habits, cutting out the gluttony things of those nature. No more birthday months. Things of that nature. Birthday months kill me now. I haven't even heard that term in a second. I feel like we're right there. I feel like it's not gonna be too much sooner. I mean, and then I also feel like the last thing we just need is just a little bit advice on a couple things here and there. Just on tips and tricks about maybe kind of moving up in the world, seeing where we should invest and charity things of those nature. We're almost to that conversation. That's exciting. Freedom. Yes, that's exciting. Yeah. Freedom. What has it been? It's been a year, year and a half?

[Guest]

No, since the initial. A year.

[Caleb Hammer]

A year or just a year? Wow. In a year. And you say, we're almost there. What's left? What do we have to get to, to get. Get over that hump to completing this part of the story? Because it's a part. I think the last thing would just be that timeshare. Yeah, that was the hefty one. But even still, we had dozens of separate accounts and documents and we're blasting through those and only one left. That's insane. After a year. That's insane.

[Guest]

Yeah, just about. We have a couple more, but I think we're onto different things. So I feel like the goal was to be credit card debt free. But then the more we're learning about finances, it's like, like I hear when you say, well, I still have student loans and I think people would want to just completely kill all the debt that they could their mortgage, their car. But then I realized that you could put your money elsewhere.

[Caleb Hammer]

Yeah.

[Guest]

So I, I was hearing that and I was like, well, why does he still have student loans? But then that's when you talk about the interest rates and being able to put your money in investing and other stuff. So now I'm like, well, it's the goal to pay off everything that we have or is the goal to put, put our money elsewhere to set us up for success. So I think that's where we're at right now.

[Caleb Hammer]

Okay. Okay, very cool. Now which one in here is the timeshare? Because I want to make sure I don't lose that. Because we are going to blast through this. Because really these are, these are just all paid off accounts. It's like, what's even the point? Like, okay, great. We have a paid off synchrony. Yay. Okay, so synchrony is paid off. That's great. City zero dollars. Oh no. Okay, zero dollars then. Okay, well City Custom Cash does have a balance.

[Guest]

That one's paid.

[Caleb Hammer]

Okay. City Custom Cash is paid. So I guess no balance. American Express paid no balance. No need for this. Get out of here. I love that. Look at that. Just see your American Gold. American Gold paid off every month. So it doesn't matter because like I said, you can transition to a credit card person. And you guys, it sounds like you did. I seen $0 on Apple Car card. Don't need to see this. Remember when it took us like two hours to get through this originally?

[Guest]

Yeah.

[Caleb Hammer]

Well, not this time. And there's, you know, there's Sephora and papers. Plan a vacation club. And that all of a sudden is not a bad thing.

[Guest]

Yes.

[Caleb Hammer]

When our finances are good. I want I give people more fun money to spend than almost any other financial program I can think of. Only when you're out of the risky position of bad debt. Right. Chase Auto. Okay, so we kept the car, but Is it a 5.17?

[Guest]

Yes. And we can pay it off if they wanted to.

[Caleb Hammer]

That. Yeah. And so I'm okay with that. It is a balance of.

[Guest]

Yeah.

[Caleb Hammer]

I mean it's under 3,000. So I would minimum until it's paid off. This looks like is. Does this still have a balance? Amazon Chase. No, gone dead perfect. Love it. And this was. Yeah. Okay, well here it is. Look. Here's her written down debt summary. Zero across the board. I'll set that aside as we keep going through here. But, but okay, Discover zero. That one. See that?

[Guest]

Yeah, that one we paid off. But we actually Did a balance transfer, this one for the time share. So the timeshare was at a 12.99%.

[Caleb Hammer]

So now it's on the Discover and Now it's at 0%, which is 0% until.

[Guest]

Yes. August.

[Caleb Hammer]

Okay, August. Are you doing the minimum payment that is required in order to pay it off?

[Guest]

We just started. We just started.

[Caleb Hammer]

So you'll do the math to make sure it is paid off by August with 0%. Perfect. I'm okay with that. That is actually how balance transfer should work. That you've. You did that in a correct way. You're not taking a shortcut. You did a mathematical good approach where you've put it on a card that is zero and now you're making the minimum monthly payment required by you guys that you are studying to pay it off before 0% ends. Yes. So I love that.

[Guest]

Yes. And it was actually an open card that we paid off. So we just kept it open and then they offered us a balance transfer. So we didn't have to open new credit cards or anything for that.

[Caleb Hammer]

That now this Morgan Stanley, it is a, you know, 700 bucks in there. And I know we're starting that part of the journey next. And the mortgage, obviously, you know, incredible rate. Everything's so good in San Antonio. I always forget how cheap it is until someone comes on with a mortgage from San Antonio. I'm like, how the. Is that even possible? Yeah, yeah. I am seeing a balance here.

[Guest]

Yes, it's under 4,000, but it's at 0% forever.

[Caleb Hammer]

Forever, forever. Now, obviously just having a balance that is owed, even the low car. Even. Well, less on the student loans, but okay, a low car, 0%. Here it is the risk because it is money you have to pay back if you become jobless. Right. Understanding that it's zero percent, we want to catch up on retirement. I do get that, but what's your thoughts philosophy around this balance on the zero percent?

[Guest]

I think we're stuck because we have two cards that have zero percent forever even if we pay the minimum. Yes.

[Caleb Hammer]

Okay. And. But not that other one.

[Guest]

Okay. Yeah. So even if we pay just the minimum payments, which is about 200 for the both of them.

[Caleb Hammer]

Yeah.

[Guest]

We're gonna pay it off within the time that they gave us.

[Caleb Hammer]

Yeah. I mean, this was four years.

[Guest]

Right. So should we.

[Caleb Hammer]

Is this the other one?

[Guest]

Yes.

[Caleb Hammer]

Okay.

[Guest]

That's zero percent forever.

[Caleb Hammer]

Well, I'm setting aside. Let's get the full financial picture first. Ally checking account. I don't like that. We ended with 5.99. Just a little low. I want to see a minimum of a thousand in there. Right.

[Guest]

We have it in our savings.

[Caleb Hammer]

Ally has but checking account. I would at least have a thousand. Okay. And yeah I definitely agree everything beyond that start putting that savings. There is some eating out and but again that's not necessarily a bad thing. And look what you guys have accomplished in a year. I'm definitely not gonna cry and complain. Right.

[Guest]

So many papers on the floor and stuff.

[Caleb Hammer]

I know so many papers that you paid off. I'm keeping the ones that are alive on the table.

[Guest]

Yes.

[Caleb Hammer]

Cash app cafe. Yeah, I mean definitely some spending but it's actually not too crazy lot just lots of transactions and transfers mostly but going in getting some and stuff like what was your guys original Hammer Financial score the first time we filmed you.

[Guest]

Remember one, maybe two.

[Caleb Hammer]

It's crazy. I'm super excited to see where you guys are today. And remember get your Hammer Financial score for free@caleb hammer.com Take it. Take the assessment. Only takes a few minutes. See where you stand in the world of finances where you need to improve, what you need to do to improve or where you're already doing pretty well. And make sure you download the dollar wise budgeting app if you want to turn yourself into a success story like these two and tens of thousands of other subscribers to that app. Thank you. Download it Dollarwise.app. take the free trial to see if you like it and if you do sign up for the annual version because I will personally sign up my budget friendly cookbook and mail it directly to you. And that is only lasting for another couple more months and then it's gone forever. I do like this. The savings of 7.

[Guest]

Yes.

[Caleb Hammer]

7 4. That's great. That's great. Now see and this is why I want minimum a thousand in the checking. Because you had an overdraft transfer from here. Yes, yes. So that. Because it pulls from the savings. Exactly. Which. But we shouldn't be overdrafting. No, because that is just a lack of managing the number that is in our checking account. You guys are going to. You guys are. Are have incredibly gone in the right direction. So I'm not going to die about this but I want this to be a learning example now of why we at least have a thousand in checking. Okay. Yes that makes sense because the savings is there right now. If an emergency happens, savings goes away. Then what happens if we only have a few hundred in checking account? Right. So we're just setting ourselves. It's the layers of protection. It's the layers of protection and with what you guys do, with what you guys make. Checking account. We should be able to have a thousand in there. Gotcha. And you started that month actually with two, so I know you can do it. Thirteen in this fidelity. That's good.

[Guest]

Yeah, I think the other. Because we used to have 11 in our savings, but I put one month in investing and we just invest in the S P. Okay.

[Caleb Hammer]

So it's seven for a fully funded emergency fund. I don't know if I agree with that.

[Guest]

Well, I thought we had one or we don't.

[Caleb Hammer]

Did you. Is that 7,000 is a full.

[Guest]

It's about two months. Yeah, it's about two months.

[Caleb Hammer]

It's not a fully funded emergency fund.

[Guest]

How much do we need?

[Caleb Hammer]

Six months.

[Guest]

Months? Oh no, we don't have six months.

[Caleb Hammer]

It's six months or $10,000, whichever one is higher.

[Guest]

Oh, we have 10. We have more than 10 and savings.

[Caleb Hammer]

I saw seven, seven, five.

[Guest]

The, the paper that you just dropped, that was the ally invest. So that's all on the ally together.

[Caleb Hammer]

But that's not savings, it's investing.

[Guest]

But it's on ally.

[Caleb Hammer]

Like it's just investing, it's not saving.

[Guest]

Yeah, but I guess I put it as savings like that.

[Caleb Hammer]

No, because it could loot. Like we could have 40, could get cut cut in a few weeks. Like emergency fund is just sitting there. It doesn't even need to make money. We like it to make money. You know, I put mine towards it basically. Yeah. I put mine in my time checking account and everything. And it gains what, like 4% interest and everything? Yeah, we're. No, no, no, no, no, no. Okay, so what does it cost to keep you surviving for a month?

[Guest]

About four.

[Caleb Hammer]

Okay. Yeah. So yeah, you need 24,000 hours in a savings account that is just never touched aside. Okay. Because that gives you the ability to do anything. If you can survive for six months.

[Guest]

Months.

[Caleb Hammer]

If anything happens, you can do anything. You can invest as much as you want, you can spend as much as you want, you can do whatever. It gives you that freedom and flexibility. That's one of our questions as well that we were going to ask you as well about that. Oh, perfect. About what it's going to be. Was it going to be either that six month time frame or was it going to be like in terms of two months, three months, what you thought it would be in terms of that? Because we're kind of have, we're kind of going back a little bit back and forth about what we think would be efficient enough for our lifestyle or if we want to a upper lifestyle cuz we're looking towards very soon. You guys are almost there. Here's the usual steps. Not everything is one size fits all. But here's typical one month emergency fund or your highest deductible, whatever that is in a savings account. Step number one, Gotcha. Pay off all high interest or bad debt. That is non mortgage debt. Sometimes it can be, but non mortgage debt of over call it 5%, 6%, it's certainly over 5. Unless it's federal student loans as well. Even at a 7% federal student loan it is still protected. There's protection provisions with federal student loans so that's not necessarily counted. We still want to tackle high interest ones but they're not the priority because they have extra protections. But either way, in general bad debt, then It's a full six month emergency fund and then it's living our 50, 30, 20, which you guys can easily do the 5030 needs. Needs 30 wants 20 investing. Yes. You guys are trying to live here first without conquering that six month emergency fund. Because as far as I know the bad debt is gone. The car, it's fine, it's just over 5 and the balance is small enough, I'm okay with it. And then 0% loans were taking care of them before they're gone so I'm okay with letting them sit. And obviously the mortgage is a good loan by like objectively like the rate and everything, it's great. And the balance is fine. The minimum payment is well within the budget. So you guys are trying to skip the six month emergency fund and immediately move to the 50, 30, 20. Not having a fully funded emergency fund is an emergency because what can happen if a real emergency hits? And that's why it's an emergency, it's unpredictable. So don't just think it's not gonna. Yeah. If a real emergency hits and you don't have a fully funded emergency fund, this goes from you guys almost made it over to the hill to falling all the way back down and then you have to climb for another year year basically all over again for nothing. Yeah, for nothing. Okay. Just because we decided we wanted to skip the step.

[Guest]

So we're at three months right now, but we should be at six months.

[Caleb Hammer]

Just double it. Double it. And then we can really just live that life. You guys are ready to live, but you guys are so close. Don't give up a whole year for just a few more months of work. Right. And then everything after the six months of just gains, just gains, gains and living. Because Actually, with what I see the spending in here on funds. Fun. After that six month emergency fund is good. As long as you guys are contributing 20 to investing, I want you guys to basically triple, quadruple the spending I see in here on fun. Yeah, At a minimum. At a minimum. I want you guys to go on trips. I want you guys to live it up within that 30. Your 30 stretches when you get the freedom. What's the household income again?

[Guest]

We're at like 12,000 right now.

[Caleb Hammer]

Yeah, I mean 30 is incredible. 12. What the are we doing, right? I mean blowing $3,600 a month. Okay, you know what you can do? You can. Honestly, we're not even close to that. Yeah, we're like under a thousand. Yeah, exactly. So after the six month emergency fund, this is just for an example. What's what, where have you guys gone before? Where's your best, like craziest trip you've ever done?

[Guest]

Probably Vegas maybe.

[Caleb Hammer]

Vegas. Okay, you. Same. Okay, say what you can do is save one month of that fun. Actually save, save 75 of that fun money and only spend the fun that you're kind of doing right now. Save 2000 and then the next month combine that 2000 you saved from last month's fun spend and then that entire month of fun spend, go on a three week European vacation. It's like a rollover. Five thousand bucks. There you go.

[Guest]

Boom.

[Caleb Hammer]

European. Live it up. Two weeks. That's kind of what I've been telling her as well with that whole process of like not prioritizing like the car and the mortgage stuff. That's not really debt. That's. I mean it is and it is technically risk, but you get 30, 20 with them. Treat yourself to a European trip. You totally can. Asia wherever you want to go. Save up most of one month's fun money and then use an entire next month's of fun money, combine them, do something crazy, celebrate the end of this. But you're not there yet. Yeah, three more months of saving expenses must be saved. Minimum. And then you guys can do this. Minimum. What's the total retirement number? Cuz there's a lot of retirement accounts across the board.

[Guest]

Probably 25,000 right now.

[Caleb Hammer]

So that's that 20% that you guys are going to be contributing. That's fine. That will get you to an incredible retirement by the time you guys hit retirement age.

[Guest]

Yeah.

[Caleb Hammer]

Okay. And I don't think your needs are going to be 50%.

[Guest]

No.

[Caleb Hammer]

No. So really, honestly, what you're able to do, what do you think your needs Will be like groceries and school things and whatever, you know. What do you think needs are going to be percentage wise just right now round?

[Guest]

Yeah, it's about 30%.

[Caleb Hammer]

Okay, you know what that means because you're going to contribute 20% to retirement. Because I don't need you to contribute more than that. You can contribute an extra. Let's say you contribute 25% to retirement just because you want to play catch up with it. Okay, that's great. And live a higher retirement. That's wonderful. So 30% to 25% guys you can spend 45 of your income on you fun, whatever around living it up, vacations, spoiling people, gifting charities. You, you wanted to talk charitable. There you go. After you got that six month emergency fund saved up, if you wanted to donate your entire 45 for a month to something you would be able to, you totally could, thousands of dollars. But what's critical right now is that extra three months. And I want to make sure we do not skip that. Because that's where this, that's where this was headed is you guys were about to skip that. And I want to make sure this last year wasn't done in vain because it very well could be if you are not fully prepared for an emergency.

[Guest]

So would you do the three months and wait on the credit cards or do you want us to pay the credit cards first?

[Caleb Hammer]

The zero percenters? Yes, the zero percent for these ones that are sitting here. Zero percent forever. Minimum payments until they're paid off. Off completely in general. Cuz honestly like okay, cuz you'll have a six month emergency fund where you can tackle them if an emergency pops up. And then the other one, that's a zero percent until August. You need to do whatever minimum is required to pay 600 to pay it off before then. So that's what you guys are doing. And then minimum payment on car until it's paid off, minimum on mortgage until all that.

[Guest]

Cuz we're putting like 5,000 at least a month towards our credit card debt.

[Caleb Hammer]

No, no need to anymore. Okay, okay. No, get that fully funded emergency fund then if before you guys want to live it up, you want to tackle the credit cards, just to tackle the credit cards you can, but I don't need you to. And listen, if you'll be at 30% living and 20% retirement, maybe take an extra 5, 10% and throw them towards the cards to pay them off early. Cuz you still get to live 35 minimum percent towards fun, which is incredible. It's better than almost Anyone in the United States actually gets to. Other than those who are just going in debt debt, so you can pay them off quicker, but you don't need to, like, speed run them. You just contribute, like quadruple what's required because you have the security.

[Guest]

It feels kind of similar to the car right now because I see the balance and I pay it monthly. But I can see that we could pay it off if we wanted to, but it doesn't bother me.

[Caleb Hammer]

Exactly. Listen, you guys have been in stress mode correctly. Because you guys were dying. Yes. On the one more floor. You were headed towards the place of. You were in the place of. That stress is not meant to continue forever. You're about to enter the live mode. Okay. It's not meant to permanently put you in the place of freaking about your numbers. You sit down, you budget monthly, but you get to tell your money where to go. You don't need to freak out about the debt anymore. Not anymore. The emergency fund. Yes, but only for a few more months and then you don't. Because that's set in a savings account that honestly, I'd put outside of Ally. Anyway. I don't even want it to be connected to your checking account.

[Guest]

Yeah, it is.

[Caleb Hammer]

Maybe keep a thousand and Ally, just. Just in case you accidentally do the overdraft thing. Yes, but we shouldn't. Anyway, you should have enough in your checking account. Why the tears?

[Guest]

I don't know. I think I'm just like. I think we've been trying to do this for so long and.

[Caleb Hammer]

Yeah, you have.

[Guest]

Thank you.

[Caleb Hammer]

You in the place of. And you have put in the absolute grind and work and sacrifice. Maybe that's what it is. Yeah. The relief. And I'm sure you guys have seen it together and have had these conversations together, but you guys are on the part of. Well, honestly, so much to celebrate, to be clear. And you're about to be to the point where it's full celebration only. Right. So take the moment, be happy. You guys have gone through the financial audit journey that this is here for. You know, the show's goony. The show's fun, the show's roasty. See, it's a good time, but at the end of the day, this is where we're meant to get for more people. Because not everyone has a strong income as you guys. You guys are in a very blessed position. We can acknowledge it.

[Guest]

No, we do.

[Caleb Hammer]

That also doesn't mean you're. That doesn't take anything away from what you guys do. So I'm going to be very Clear. But for other people on financial audit, it's going to take them four or five years. Right. You guys were able to do this in one. And that is incredible.

[Guest]

Yeah, we've doubled our. Our income monthly because we were at 6 and he's gotten 3 raises since just alone. And then we picked up side hustles and stuff. So that.

[Caleb Hammer]

Which shows two incredible things we're celebrating. One, yes, good job on work and they're seeing your value. That's incredible. Yes. And two, it also shows that you guys have learned the skills from the show because a lot of the time, what would you have done before you came on the show? If we're being honest, more money would have come in. Even more money would have been spent. Yes. You'd have doubled the debt. So that's incredible. Showing that you guys have. Have actually learned something, executed what needed to be executed. And you're living it up. You're living it up. Few more months, guys. Few more months. Then pop those champagne bottles, take her to $1,000 dinner. I'm not even kidding. Not even kidding. That's what she would like. Yeah. Take her to a thousand hour full bougie night. Full bougie night. Go crazy. Okay. Or if he likes a strip club, take him to the strip club.

[Guest]

Club.

[Caleb Hammer]

Thousand dollars in ones. Throwing them. Okay. Have fun. Yeah, you're almost there. Almost. You're almost there. Now, you told me before the show I have your resume because you don't like your current job. Tell me about it.

[Guest]

Yeah, they're the way that they're running things. They're not hiring internally anymore. So I feel like I'm basically stuck as a seller one, and to even get to a seller two, it. They. They'd rather hire from other companies right now because they think. Think that they shouldn't hire internally. But I'm also to where I don't know if I want to do sales or not.

[Caleb Hammer]

Yeah.

[Guest]

Because I was doing the. I am doing the taxes and the credit repair and the finance industry, so.

[Caleb Hammer]

Well, your resume is definitely catered towards sales. Especially with this last job. The last job. I do like that you've at least been there for over three years now. Three and a half. That means you're able to translate that to another position. You know, if you were under like two years to be like. It also shows that you do stick places. So there's some qualities here. Unfortunately, if there was one concern, it's that the jobs before it were kind of retail.

[Guest]

Right.

[Caleb Hammer]

So the two jobs before your current job is Retail. I don't think it matters as much cuz you've been at your current job for three and a half years. However, what I might do though is curate more to this resume to your current job. Okay. And maybe take a couple bullets away from that middle job. Well, actually no, because the middle wasn't retail.

[Guest]

The last one was though.

[Caleb Hammer]

Yeah, okay. Yeah, you're right because I mean it reads like retail but once you dive into it you realize it is more of a sales position going around. Okay, let me look at this tricky.

[Guest]

One because I know sales makes money, but I don't.

[Caleb Hammer]

Well, this is hyper geared towards sale. So I just don't know if I.

[Guest]

Should stick with sales well. Or if I shouldn't.

[Caleb Hammer]

And that's what getting rid of the all the debt and having a fully funded emergency fund gives you that flexibility to take a lower income job as you're getting into a new career field to try to go up the career ladder there. Because smart if we're being honest, if you change industries you might take a pay cut for a little bit. But that's okay if you guys are debt free outside of the mortgage, you know, before. Okay, so actually this is what, this is what I would personally do. Right. Okay. If we fully want to get out rid of sales, then this resume is like okay, what are we, you know. Yeah, this is geared towards sales. You're going to have to gear whatever next resume towards taking skills you had from these jobs to getting in that new field. Maybe we're getting a certification on something of course. But grind to get the fully funded emergency fund and then pay off all three cards and the car and then move over and then yeah, aim to get this other job. So before we take a potential pay cut or take a potential risk, knock that out first. Yeah. Kill all the debts outside of the mortgage and the fully funded emergency fund. So that means a little more time and a little more lack of full celebration under the gate. Like yes, obviously mentally celebrate take some of the stress off but you're still kind of a little bit into attack mode because it depends what's more important. Being unable to start living our wants more or you switching career. Where do you weigh? There is no wrong answer. It is up to you at this point what what's takes priority. Do you know? Maybe you don't know. Okay, well have conversations with each other, conversations with yourself. Maybe even take some career assessments online. After you can answer that question, then determine what you're doing. You know, you don't have to go full Chaos, you know, shooting from the hip endlessly to pay all this off. If we want to start living fun after emergency fund, which you can, but if we want to switch careers, then we need to tackle the risk.

[Guest]

So. So the only thing too is that we're not going to do it anytime soon. But we do like a house that's three times the amount of the house that we have right now.

[Caleb Hammer]

Well, that's okay as well.

[Guest]

I would again because monthly, if we were where we are at monthly, we would be able to afford it. But I know we shouldn't.

[Caleb Hammer]

Well, listen, you need to answer again. House or job? What's more important?

[Guest]

I don't want to be at my job anymore.

[Caleb Hammer]

Well, there we go. So that wins. So the house thing works. But let's get into the new career field which requires us to get rid of the risk. So risk, risk done. New career field. And then we shop new house based on whatever our finances, our household income looks like with the new job.

[Guest]

Because you might be low the 50. 30, 20 with the new.

[Caleb Hammer]

Yeah. Okay. Well yeah, because it shouldn't be 50 mortgage. Right. That needs. Is needs. It's everything. It's food on the table, it's utilities, it's insurances, it's you know, school activities, it's whatever you know, that is needs. So that makes sense.

[Guest]

Yeah.

[Caleb Hammer]

Like day to day. So fully funded emergency fund. Tackle these debts outside of the mortgage. And then career change. Career change and then shopping for house based and see where you're at after all that's done.

[Guest]

Okay.

[Caleb Hammer]

Punch those numbers. Yeah, but you guys are in a much better place and you guys are starting to conquer the fun things now. The fun things. Having the ability to change a career if we don't like it. Yes. Going on a European trip if we want to though. Okay.

[Guest]

Yep.

[Caleb Hammer]

Put in our face in a big pair of tits at the strip club. Got it. With lots of ones. You both can do it at the same time. Share the same pair. Yeah, that makes sense. This is, this is the good part, guys. And you guys have done incredible. Those are our biggest questions that we had. Yeah, you guys are doing incredible. Any other questions? Now that we have the full picture, those are the main ones for us that I just noticed.

[Guest]

Yes, it's right here. So the funeral plot got that wasn't in our original debt. They said that if we pay it by December.

[Caleb Hammer]

How much?

[Guest]

Well, it's 4,000. So then we'll save 2,000. I think we should. Because it's 2,000. Right.

[Caleb Hammer]

You can do it.

[Guest]

So if we, if we pay that off first and then that delays the.

[Caleb Hammer]

Emergency fund thing just slightly. But it's okay. Just do it.

[Guest]

Yeah, I'm 155amonth too though.

[Caleb Hammer]

You're just putting that in the steps and I'm okay with it. Okay.

[Guest]

Okay. So then funeral plot credit cards or. No, the three months of an emergency fund. So that's about 12,000.

[Caleb Hammer]

Yeah.

[Guest]

Well we have three right now.

[Caleb Hammer]

Yeah. So stack into the six and then.

[Guest]

We do car minimums. Credit card minimums. Or we could pay them off.

[Caleb Hammer]

We'll pay them off. If you're doing the career change, you can do minimums change.

[Guest]

Okay.

[Caleb Hammer]

Yeah. So if you stay longer, duck it out. Yeah. If you want to get rid of them. Cuz you're doing a career change, do it now.

[Guest]

Yeah, I don't want to stay.

[Caleb Hammer]

Well, there we go then. We're killing our debt outside of the mortgage. Out. You burn. Throw them down. Okay. Which you guys should be able to pretty relatively quickly.

[Guest]

Honestly should.

[Caleb Hammer]

All right. Do we agree on these steps? Yes, I do. Thank you for your help. Absolutely. Guys. I am so proud of you guys. Audience give them love in the comment. They deserve it. You guys have done incredible.

[Guest]

Thank you.

[Caleb Hammer]

Well done all around. Thank you. Very good. Actually. Let's. Let's get your current score. Let's see where we stand. We're one first time spending a budget.

[Guest]

Five. I don't remember.

[Caleb Hammer]

You were definitely spending within your budget. We need that fully funded emergency fund. So a little bit of bs. Well, we don't have it. It's not the best, but it's okay with what you guys are doing. Giving you a 7 out of 10 spending within the budget debt. The debt is not that horrendous anymore. We've gotten to a halfway decent debt spot of I'd say about a 5 out of 10 emergency fund. Well, we're halfway there. 5 out of 10 retirement. Well, you said it was 25 total.

[Guest]

25, yeah. And he has a 2 for 1 match in a couple years.

[Caleb Hammer]

Good. Definitely behind there at about a 2 out of 10 though for age in real estate. Yeah, I mean the how the house situation is great. Yeah, house situations. And there's a mortgage technically that's risk, but 8 out of 10, it's a good one. Let's see where we are today. Yeah, we're rounding up even further. It's going to be hammer financial source. 6 out of 10. Once that emergency fund's there, that immediately adds 5. I mean that's incredible because that's kind of what's holding you back there. It's emergency fund in retirement. And once those debts are gone, outside of your mortgage, that score is going to go up too. And you're spending the like this. It takes a few months of change before this goes from a 6 out of 10 to an 8 out of 10.

[Guest]

Yep.

[Caleb Hammer]

Just a couple. Couple tweaks.

[Guest]

Tweaks, yeah, we'll get there.

[Caleb Hammer]

A couple minor tweaks. Get yours@caleb hammer.com and give them some love in the comments. Ladies and gentlemen, big round of applause for all the guests who gave their updates and for all those who have paid off over $20,000 in just a year. It is awesome. It is incredible. You can come on in 2026. Listen, we already got video scheduled almost through the entire first month of 2026. Some of the craziest shit you've ever heard of. In fact, when I am filming this right now, the episode I filmed right before this was one of the most dramatic episodes I've ever filmed where I'm pretty sure I ended a relationship. Wasn't my fault. He had secret purchases. You'll see it. But stick around. It's a great show and I'm very thankful for your support. We couldn't do it without you, couldn't do without my team and couldn't do it without the guests who come on the show. See you in 2026. Who's your least favorite guest?

[Guest]

Oh, yeah, I was my least favorite person that I've worked with ever least.

[Caleb Hammer]

Favorite of the year.

[Guest]

Oh, I know who it is for you. Who is it?

[Caleb Hammer]

Oh, she was so annoyed you were.

[Guest]

Typing to me how much you hated.

[Caleb Hammer]

Her during Even when I see the Tick tocks till this day they enrage me because I had to sit here with them for the 40 minutes that they were here. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.