The Worst Finances In Financial Audit History

Summary

Financial Audit Podcast – Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Episode: The Worst Finances In Financial Audit History
Date: May 20, 2026

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Episode Overview

This episode features Jessica (32) and Angie (31), a married couple of truck drivers living in North Dallas, as Caleb Hammer dives deep into what he calls “the worst finances in Financial Audit history.” The episode explores their upbringing, current financial situation, mindsets surrounding money, and their unconventional path to parenthood, all colored by brutally honest exchanges, dark humor, and repeated moments of disbelief from the host.

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Key Discussion Points & Insights

1. Background and Introductions

• Jessica and Angie’s Story: Married for just over a year, together for about five, driving semi-trucks together (01:16–04:09).

• Combined Net Income: About $135,200/year, both earning roughly $1,300/week net (02:24–02:51).

• Division of Labor: Jessica manages the finances, Angie freely swipes the cards (03:47–06:05).

  "I will just swipe the card. Boom." – Angie (03:47)

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2. Path to Parenthood

• Sperm Donor Sourcing: After considering IVF, they chose to find a donor via Facebook groups to save costs (07:08–08:50).

• Donor Arrangements: Notarized paperwork, legal agreements, and a donor who wants no involvement or support requirement (09:12–10:06).

• Family Planning Gaps: Despite imminent parenthood and plans for more kids, there’s no clear caregiving strategy or work/life balance (10:34–14:50).

  "You just roll with the punches." – Angie, repeatedly (11:21, 12:17, 14:23)

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3. Financial Disorganization and Mindset

• Lack of Budget and Overspending: Heavy credit card use, minimal saving, and little awareness of where money goes.

• Heavy Reliance on Family: Until two months ago, Jessica’s mother managed all bills, including paying off debts, enabling a lack of financial skills (29:03–31:14).

• Debt Misunderstanding: Using credit cards belonging to relatives (Jessica’s father) and driving them far over the limit, unaware of its impact on his credit (47:43–48:23).

• Rationalizing Overspending: Recurring belief that “being able to make minimum payments” is sufficient (68:48–69:03, 71:13).

  "I didn't have to learn before." – Jessica (51:46)
  "At 32, we don't learn about opening a checking account." – Interjector (51:33)

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4. Household and Relationship Dynamics

• Communication Issues: Conversations about money and goals are described as childish or elementary (26:13–26:54).
• Enabling and Avoidance: Both are reluctant to confront financial or family issues directly—exemplified by an inability to evict Jessica’s freeloading sister or manage splitting family assets (33:06–36:44).
• Family Tragedy and Transition: Jessica’s mother, who handled all finances, passed away two months ago, prompting a sudden, chaotic transition to managing their own money (32:01–33:06).

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5. Lifestyle and Spending Habits

• Persistent Overspending: Even after inheriting financial responsibility, monthly outgoings frequently exceed income (54:05–54:39).
• Fast Food & Convenience: Most discretionary spending goes to take-out, energy drinks, and in-app purchases, justified by trucking lifestyle (58:56–62:28).
• Multiple Storage Units and Enabling: Paying for family members’ expenses (storage units, shared cards), repeating the cycle of enabled financial dependency (63:39–64:13).
• Collections and Pay Later Apps: Balances with Affirm, Klarna, and multiple credit cards—never actually paying off, only pushing balances around (83:45–84:59).

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6. Major Debts and Assets

• Car Loans: Massive negative equity on vehicles—one Jeep Gladiator has a $46,000 loan, with a $1,362/mo payment, but a market value less than $16,000 (80:07–82:19).
• Mortgage: Low balance and payment, but recently epically behind after Jessica’s mother’s death (75:05–76:54).
• No Real Emergency Fund: Drained savings for family reasons or spending sprees, with current balances near zero (87:53–88:10).
• No Retirement Saving: No evidence of long-term savings or retirement plans.

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7. Financial Audit and Advice

• Caleb’s Assessment: Staggeringly low financial literacy and discipline, repeated “childish” mindsets, and enabling family enmeshment.

• Strong Critique: Host repeatedly calls their readiness for children “selfish” and “pathetic,” focusing on the dangers of their lack of preparedness (12:12, 40:10, 54:22, 72:05).

• No Clear Solutions Adopted: Despite income, lack of budgeting, rampant overspending, and no desire or ability to curb behaviors.

  "You are the dumbest people." – Interjector (56:31)
  "This is so easy to pay off! You guys make so much money. It's just literal children." – Caleb (91:59)

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Notable Quotes & Memorable Moments

• On Family Planning:

  "How'd you find the penis?" – Caleb Hammer (07:06)
  "Facebook." – Jessica (07:08)

• On Financial Management:

  "You call yourself an entrepreneur too?" – Caleb (15:38)
  "Yeah, I do." – Angie (15:41)

• On Responsibility:

  "In what world did you guys think you were ready to bring in a child into this world?" – Caleb Hammer (40:10)

• On Overspending:

  "You literally spent double what you made last month." – Caleb (54:05–54:39)

• On Debt:

  "Bro, you don't even have a checking account. You're 31 and you don't have a checking account. Why...?" – Caleb (50:47)

• On Readiness for Parenthood:

  "This is actually very scary. You don't understand the impact of what is happening here." – Caleb (71:53)

• On Self-Awareness:

  "It's a learning process." – Jessica (51:31)
  "I just don't know nothing about this stuff." – Angie (92:15)

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Important Timestamps

• Intro & Family Planning: 00:00–08:50
• Financial Baseline (Income, Spending Habits): 02:24–14:50
• Financial Literacy & Upbringing: 29:03–31:14, 51:31–51:46
• Debt Discussion Begins: 47:36–48:23
• Monthly Spending & Income: 54:05–54:39
• Car Loan Disasters: 80:01–82:19
• Budgeting Attempt: 88:10–91:59
• Final Financial Score: 95:01–95:48

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Conclusion & Tone

Caleb Hammer’s signature irreverence, exasperation, and blunt honesty pervade the episode. Despite the couple’s affable, sometimes flippant attitude toward their own situation, Caleb repeatedly emphasizes the seriousness of their financial ignorance—especially with parenthood on the horizon. While the couple justifies choices with “rolling with the punches,” the episode serves as a cautionary tale about the dangers of financial dependency, avoidance, and enabling. Caleb ends with a thorough rundown of their disastrous finances, assigning them a “zero out of ten” Hammer score—and exhorts listeners to be proactive, not passive, with their own financial journeys.

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Full Episode Takeaway:
Jessica and Angie highlight not only America’s culture of debt-fueled living but also the dire consequences of family-enabled financial ignorance and avoidance. Despite enviable income, their financial house (and new baby) rest on foundations of sand—until, or unless, they choose to confront reality head-on.

Transcript

[Caleb Hammer]

In what world did you guys think you were ready to bring in a child into this world? Mindset is that, oh, you weren't paying them. Your mother was.

[Angie]

But they were still being paid.

[Caleb Hammer]

No, that's not the point. If you guys can't even survive on your own, how the do you think it's time to be parents?

[Angie]

We weren't paying. You weren't here.

[Caller/Interjector]

Your mom was.

[Caleb Hammer]

Are you not able to understand this?

[Caller/Interjector]

What paid it off? I haven't seen paid it off ever. Where's the payoff? Show me the payoff.

[Caleb Hammer]

I don't see it.

[Caller/Interjector]

What are you talking about, payoff? You're a dumbass. How can you tell me your payoff? Where's the payoff?

[Angie]

Pays off. You pay. You pay. Look. Okay, no, it literally does not show up. It does not show up. You the beat.

[Caller/Interjector]

Hey, child in there. Your mother's good luck in there. You're

[Caleb Hammer]

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[Caller/Interjector]

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[Caleb Hammer]

Claim your bonuses now.

[Jessica]

Hello, I'm Jessica. I'm 32 years old.

[Angie]

Hi, I'm Angie and I'm 31 years old.

[Jessica]

We're from North Dallas and this is Financial audit.

[Caleb Hammer]

Okay.

[Jessica]

Too stiff?

[Caleb Hammer]

Oh, I don't know. Are you scared? Like, thanks for coming on.

[Angie]

What?

[Caleb Hammer]

Well, I don't know. You're excited about something. Jessica, what do you do for a living in North Dallas?

[Jessica]

Truck driver.

[Angie]

Wow.

[Caleb Hammer]

Yeah.

[Jessica]

Semis.

[Caleb Hammer]

You're not. You're. You don't do conversations, do you?

[Angie]

No.

[Caleb Hammer]

Well, good thing you came on a podcast.

[Jessica]

All I do is talk to her.

[Angie]

I'm the one that talks.

[Jessica]

Oh, yeah. And she does all the talking for me.

[Caleb Hammer]

Are you on the truck as well?

[Angie]

Yep.

[Caleb Hammer]

Okay. Do you guys truck drive together?

[Angie]

Yep.

[Caleb Hammer]

Is this how this works? Okay, so how does this work? How does this look? Is it 1 paycheck, 2 paycheck? How does this work? You're getting paid for the route.

[Angie]

Separate paychecks.

[Caleb Hammer]

So you're not in the same truck.

[Jessica]

We are in the same truck.

[Caleb Hammer]

Why is this separate paycheck center? You're not just completing the same route.

[Angie]

We're two people.

[Caleb Hammer]

I know, but it's not paid per route. Okay. Okay, listen. I mean, I'm not a trucker. I don't know. You tell me. Educate me. What do you make, Jessica?

[Jessica]

I make. I'm gonna say 13.

[Caleb Hammer]

Oh, you're gonna say. How about, like, what you actually make, though?

[Jessica]

It varies, but the average is 13 a week. 1300 a week.

[Caleb Hammer]

Very good. Is that what hits your account, or is that what you make before?

[Jessica]

That's what hits my account.

[Caleb Hammer]

Okay. 1300 bucks a week. Okay. Very good. Angie.

[Jessica]

She paid the same.

[Angie]

No, make the same.

[Caleb Hammer]

Okay.

[Jessica]

We're in the same truck.

[Caleb Hammer]

I did get that fact. That is true, But I wanted to make sure. So that means the household net income is $135,000. 200. Well, 135,200 a year. That ain't bad. Net. And in suburbia, Dallas. Now, north, you know, the north Dallas area is where it gets a bit more expensive in, like, the suburban life. But listen, I could have sworn we made more.

[Jessica]

We do make a little more.

[Caleb Hammer]

But then why would you tell me that number? I would like to know how much you actually make. This is financial audit, where I audit the finances, of which I would need to know your income. Before we do anything, would you like to try again and tell me what your income is? Should we do part two?

[Jessica]

It varies, so I put average in the middle list.

[Caleb Hammer]

Well, if that's. If that's average, you wouldn't make more. I beg over the course of a year, that's average.

[Angie]

Then I beg to differ.

[Jessica]

She doesn't have money.

[Caleb Hammer]

Okay, well, you don't handle the money, so how would you know?

[Angie]

I will just swipe the card. Boom.

[Caleb Hammer]

That's how you beg to differ? You swipe the card.

[Angie]

That's an interesting argument, because I think I make more money.

[Caleb Hammer]

I'm about to make myself retarded. You think you make more money? Do you make more money?

[Angie]

Make more money.

[Caleb Hammer]

Are we married?

[Jessica]

Yes.

[Angie]

Yes.

[Caleb Hammer]

Congratulations. How long?

[Angie]

Hit a year.

[Jessica]

In March.

[Angie]

In March.

[Caleb Hammer]

Okay. How long are you dating before

[Jessica]

20? 20. 20. 21. So five years.

[Caleb Hammer]

Okay. Yes. Very good. Okay, well, that's actually kind of low and slow.

[Jessica]

Yeah.

[Caleb Hammer]

For Les, this one situation.

[Angie]

Well, that's good.

[Caleb Hammer]

Well, welcome to being responsible, I think. Right. Is that what you're trying to be? Were you trying to be responsible?

[Angie]

Maybe.

[Caleb Hammer]

Okay. Oh, you were her trucking instructor. Oh, you, like, groomed her a little?

[Jessica]

No, we're best friends for a year.

[Caleb Hammer]

And then you're her driving instructor. Okay.

[Jessica]

Only for a month.

[Caleb Hammer]

And were you best friends before that or after that?

[Jessica]

No, I met her in the truck.

[Angie]

We met in Chicago.

[Caleb Hammer]

And you locked her into your. Your semi. She hasn't been able to leave ever since.

[Jessica]

Well, I was quitting becoming an instructor and moving to just driving regular. And she needed a partner.

[Caleb Hammer]

What kind?

[Angie]

I needed a trucking partner. Cuz you guys were driving a year

[Caleb Hammer]

together and then all of a sudden

[Angie]

one guy trucker instructors get a new student and then I have to go off and find my own partner to drive with and I didn't want to do that.

[Caleb Hammer]

Yeah, I was saying you guys were driving for a full year together and all of a sudden someone made a move. Got a little juicy, A little spicy.

[Jessica]

Just a little bit.

[Angie]

Just mild. Mild spicy.

[Caleb Hammer]

Okay, so what's going on, guys? What are we talking about? I guess I don't know how much money you make, but. Well, I said, oh no. Jessica says, this is how much you make.

[Jessica]

Yeah.

[Caleb Hammer]

And am I trusting Jessica? I. I feel like I'm trusting Jessica because at least she looks at the account and being told you don't, you just swipe, right, Angie?

[Angie]

Dang.

[Jessica]

Swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe, swipe. That's what she sings on Christmas. She also calls it the magic money

[Angie]

card Never runs out.

[Caleb Hammer]

Wow. That's someone I would want to attach the rest of my life to. You pick that. That's delusional.

[Angie]

Just look at me.

[Caleb Hammer]

What about you? I can't tell which one looks more like a man. Like, I don't know. What am I supposed to be doing here?

[Angie]

Oh, rude.

[Caleb Hammer]

Kind of, I guess. Not really. I mean, you're lesbians. I mean, you get it. Lesbian truckers. What else am I supposed to do here? Come on.

[Angie]

We're here because my wife got pregnant by a man.

[Caleb Hammer]

That is usually how that works.

[Angie]

Another man. Well, amen. I'm not a man.

[Caleb Hammer]

I mean, you were the one that just got insulted when I said you looked like one, so.

[Angie]

I'm not a man.

[Caleb Hammer]

I mean, I knew that you know that. Okay.

[Angie]

But I did.

[Caleb Hammer]

Oh, you figured it out. Okay.

[Angie]

Took me a little bit.

[Caleb Hammer]

Well, yes, that is usually how that works. The nut of a semen from a penis attached to a man is usually how a woman such as yourselves, gets impregnated. Well done on that.

[Jessica]

Thank you.

[Caleb Hammer]

How'd you find the penis?

[Jessica]

Facebook.

[Caleb Hammer]

What in the are we doing here? Do you know about the penis?

[Angie]

I do.

[Caleb Hammer]

Oh, you know about the penis. I picked them so you can send it to the penis. Yes, you pick the penis. You Help pick the penis. Penis picker.

[Angie]

Yes. We looked into pregnancy. We looked at how much everything was going to cost. We thought about ivf.

[Caleb Hammer]

Oh, it's expensive.

[Angie]

Way too expensive.

[Caleb Hammer]

But you guys make good money. But go ahead and continue.

[Angie]

Way too expensive. So I took the opportunity to look on Facebook. There's Facebook?

[Caleb Hammer]

Yeah, Facebook Marketplace.

[Caller/Interjector]

Not.

[Caleb Hammer]

Not marketplace. We show up to the.

[Angie]

Okay, that makes sense for all this. Yeah.

[Jessica]

There's sperm donor groups.

[Caleb Hammer]

Okay. Thank you, Zuck, for providing. Very good. Okay. So what did you find? I don't know. I've never done this.

[Jessica]

Well, we found a lot of creeps.

[Caleb Hammer]

Who would have thought? Not me.

[Jessica]

So we had to filter through all that because they. Like what?

[Caleb Hammer]

They just want breeding things.

[Jessica]

Yeah. And most of them, they want to do it all natural and stuff.

[Caleb Hammer]

Well, yes. They want to stick their penis inside of you.

[Jessica]

So we gotta.

[Angie]

Absolutely not.

[Jessica]

Yeah, that wasn't an option.

[Caleb Hammer]

Yeah. Oh, well. So what did we find instead?

[Angie]

Still a lot of creeps.

[Caleb Hammer]

So you selected a creep?

[Angie]

No, no, he.

[Caleb Hammer]

Well, then that's where you would answer. So what did you find instead?

[Angie]

He's very nice. Found a nice man.

[Jessica]

A nice. A nice 27 year old. Yeah.

[Caleb Hammer]

Let's see what this guy looks like. And how much did you give him?

[Jessica]

It was free. There are people that charge. Like, we.

[Caleb Hammer]

The point. Why do you do it?

[Jessica]

To help. He likes helping people. He has.

[Caleb Hammer]

Okay. I mean, definitely incel. But the thing is, the incel. I feel like he would do that so that he could, like, have sex, but, like, you guys didn't have sex. Okay. You guys all friends? How far is he? Do you guys, like, live next to him? Is he going to be a part of the kid?

[Angie]

Oh, he lives four hours away.

[Caleb Hammer]

Okay. Is he gonna be a part of the kid's life? Is this gonna be complicated? What kind of rules and regulations did you do? Paperwork. And.

[Jessica]

A lot of paperwork.

[Caleb Hammer]

Okay. A lot of paperwork. That was legally approved. Or is this downloaded from lawyer.com?

[Jessica]

i mean, it was notarized.

[Caleb Hammer]

Oh. Oh, notarized?

[Jessica]

Yeah.

[Caleb Hammer]

Officially noticed. Like, yeah, actually. Okay. Okay. Okay. Well, not that they. Not that a notary specifically would say that, yes, this document is going to hold up in a court of law, but, you know, it validated that Elisa was signed correctly.

[Jessica]

And he plans to give us three more.

[Caleb Hammer]

What is he getting out of this? I'm so confused.

[Jessica]

He's helping us.

[Angie]

He just helps people. He's very nice.

[Caleb Hammer]

So he just wants to spread his seat along all over the world.

[Angie]

All over.

[Jessica]

I think he has like eight Kids right now, two on the way.

[Caleb Hammer]

In that document, it also says you cannot get child support. Correct?

[Angie]

Correct.

[Caleb Hammer]

Thank for him. Oh, my goodness. We really understand his foot. This is a weird passion for him.

[Angie]

Although somebody is doing that to somebody else right now.

[Caleb Hammer]

Well, yeah, no shit. That's what I would be nervous of. Okay, so he's not going to be involved again. So listen, are we even ready for a kid? I don't understand how we're going to do it. You want a different job? Are you going to stay home? I don't understand. What are we going to do? We live in a truck all day. Are we long haul, short haul? What are we doing long haul?

[Jessica]

Could we do it kind of long?

[Caleb Hammer]

Kind of long?

[Jessica]

We're on the road four days out of the week and then we're home.

[Caleb Hammer]

How are we doing A newborn especially too, because you're going to do it again immediately. When we switch the incel nut. You know, these kids are going to be shooting up schools left and right.

[Jessica]

No.

[Angie]

No.

[Caleb Hammer]

Okay.

[Angie]

I don't believe it. If we're long haul right now for the next two months.

[Jessica]

Three months.

[Angie]

You give birth in three months.

[Jessica]

I want to go all the way to the end.

[Caleb Hammer]

Oh, you both tried to get pregnant at the same time. How the were we going to do that? You. You wouldn't be able to do that. You know, for long haul. If we're almost long haul trucking, how the were we going to do that?

[Jessica]

Figure it out.

[Caleb Hammer]

Oh, what an answer. Let's know what was. What was your plan, guys? And if that's actually your answer, then you're a selfish.

[Angie]

I. You just roll with the punches.

[Caleb Hammer]

No. Okay, well then you're a selfish because the kids come into this world and we're just going to roll with the punches. You aren't prepared. You aren't doing anything.

[Angie]

You roll with the punches.

[Caleb Hammer]

Roll with the punches. You have a kid plan for the kid. Make the kid's life good.

[Angie]

Got a plan, but not.

[Caleb Hammer]

Okay, then what's your plan? What's your plan even not too much of a plan.

[Angie]

What's your plan with the punches?

[Caleb Hammer]

That's your plan.

[Angie]

Okay, so until work says you're laughing.

[Caleb Hammer]

That's funny. Your kid's not going to have a plan. Kid's not going to have parents around the plan.

[Jessica]

She just doesn't know the plan.

[Caleb Hammer]

Oh, she doesn't know the plan. The person who also tried to get pregnant wants to get pregnant next. What's the plan Planner plan is one person.

[Jessica]

We. We make enough money for One person to. To work?

[Caleb Hammer]

Maybe. I don't know. What's your rent?

[Jessica]

Our rent? 1,200.

[Caller/Interjector]

Yeah.

[Angie]

Yeah.

[Caleb Hammer]

You could do one person. Okay, see that's.

[Angie]

Okay.

[Caleb Hammer]

Well, there's usually more bills than one person. I mean, I have a stack of debt. Why are you in debt if you guys make so much money? So you. What's the plan?

[Angie]

Roll with the punches.

[Caleb Hammer]

Shut the up. I will murder you.

[Angie]

I'm telling you, roll with the punches.

[Caleb Hammer]

She said she knows the plan. You don't know the plan. You've never heard of a plan in your life.

[Angie]

You go as the.

[Caleb Hammer]

Is that how you got here?

[Angie]

Yep.

[Caleb Hammer]

Yeah, I don't think that worked very well. Are you sure you're on financial audit when we. So you. What is the plan?

[Angie]

With the punches?

[Caleb Hammer]

With.

[Jessica]

With our first one or with more to come?

[Caleb Hammer]

Let's hear both.

[Jessica]

Okay, the first one. My ideal plan is roll with the punches.

[Angie]

Stop saying that.

[Jessica]

I'm going to. I'm going to still do trucking, but local, which I'm be home every day. And I want her to get a job that at least makes $500 a week.

[Caleb Hammer]

Are we taking care of the kid then? If we're both still working though full time, there's daycare. Okay, you're. You're doing immediate daycare at zero. Okay. Or you have to be able to afford that. That's expensive.

[Jessica]

I could have.

[Caleb Hammer]

What's your.

[Jessica]

Maybe my brother. He. He's.

[Caleb Hammer]

That's a good breastfeeder. Yes, yes. Pump into the fridge. I know, I get it.

[Jessica]

And also I'll be working overnight, so during the day. No.

[Caleb Hammer]

What? Okay, so you take care of the kid at night, your days off.

[Angie]

Go to bed sometime because you gotta.

[Caleb Hammer]

Yeah. You have to sleep. Exactly, that's what I'm saying. Like what. When's your time with the kid then? What? You're. You're literally a couple months away from giving birth and we have no idea how the we're taking care of this kid. That's kind of selfish. Just because you guys wanted to have kids. I want everyone to have kids. Who wants to have kids? But you gotta at least think of what the life looks like. You're immediately gonna get pregnant again. And also how are you the one got that pregnant when you both took the nut?

[Angie]

Mine didn't hold. Clearly.

[Jessica]

Hold.

[Angie]

Yeah, it didn't take.

[Caleb Hammer]

Oh, it didn't take. Okay, well, it's a little different. I thought you're talking like miscarriage. I don't know. Hold.

[Angie]

Yeah, you got a miscarriage. No, you got a in, you put it inside.

[Caleb Hammer]

Okay, so we have no plans.

[Angie]

We do.

[Jessica]

Thought my plan was pretty good. You.

[Angie]

You roll with the punches.

[Caleb Hammer]

How are you seeing the kid? How are you taking care of the kid? I. I feel like we don't have anything here. And you're more immediate. How many kids are we going to have?

[Jessica]

We want three. Ideally three, but if it comes down to it, we'll have to have four. If we have four. Bo. Three boys.

[Caleb Hammer]

Yeah, but she wants to stay at home and be a trad wife.

[Jessica]

I'm being told she's tried it before in the past and it did not work.

[Caleb Hammer]

With who? With you?

[Jessica]

Yeah, who else?

[Caleb Hammer]

Well, what failed? I don't know. Someone you may have been with before. What the.

[Jessica]

Do you think I had to make her get a job?

[Angie]

Absolutely not.

[Caleb Hammer]

I don't know your life. I don't know you. How would I know that? Shut the up, you obnoxious creature. So what failed?

[Jessica]

Laziness. She didn't keep the house.

[Caleb Hammer]

Not lazy. Oh, so you wanted to be a. Okay, that's not trad wife and you're just a lazy.

[Angie]

But I had. I had other things.

[Caleb Hammer]

What other things you had?

[Angie]

I was making carpets. I was.

[Caleb Hammer]

Oh, making carpets.

[Angie]

Yeah, I was.

[Caleb Hammer]

That's a classic trad wife.

[Angie]

Trying to find something to do.

[Jessica]

She has a lot of hobbies.

[Caleb Hammer]

That's not trad wifing, though. This is you doing what you want to do and having her work.

[Angie]

No, because I could technically make money.

[Caleb Hammer]

Let me guess, you call yourself an entrepreneur too?

[Angie]

Yeah, I do.

[Caleb Hammer]

Yeah. What's your little entrepreneur?

[Angie]

I told you. Making carpets. Yeah. Custom sneakers.

[Jessica]

Oh, custom shirts.

[Angie]

Custom shirts.

[Caleb Hammer]

We've made zero.

[Jessica]

Huh? They're called.

[Angie]

It's a working progress. It's a working progress.

[Jessica]

They're just hobbies.

[Caleb Hammer]

Huh? Yeah. And that. I mean, it sounds like that's all they'll ever be. I don't want to on your dreams, but like, you've made zero in how

[Jessica]

many years and she.

[Caleb Hammer]

Making carpets?

[Jessica]

She wanted me to stop.

[Angie]

Actually, I shot business started a couple months.

[Caleb Hammer]

You want to start a pot shop in Texas? I mean, that shit just got like, pretty much.

[Jessica]

We did start a hot shot.

[Caleb Hammer]

Hot shot. What's this?

[Jessica]

It's where you get like a dually truck and your own trailer and do loads yourself.

[Caleb Hammer]

And what have you made?

[Jessica]

Nothing. It failed. Lasted like four months.

[Caleb Hammer]

Even make a dollar.

[Angie]

We made money. Did we not make money? All those trips we took all over the place.

[Jessica]

For as much money we invested into it, we're not we.

[Angie]

We only did it for a couple months. We're not gonna make back what we put into it though.

[Jessica]

Maybe if you helped a little, we would have made a little more money.

[Angie]

How did you want me to help?

[Jessica]

Book into loads? Come with me on trips?

[Angie]

Did I not sit there?

[Jessica]

It was your idea to make. To start the business.

[Angie]

I have a lot of ideas on a lot of business stuff.

[Jessica]

And that's why I stopped listening about your little different businesses.

[Caleb Hammer]

Everyone has the. Everyone could have the idea. Oh, I'm gonna make shoes. That's any unique idea to make shoes. We've done that. Humans have done that since forever.

[Caller/Interjector]

You're not.

[Caleb Hammer]

I'm sorry, you don't have a unique idea. What's your unique idea? Everyone has picked up things and moved them. What is your unique idea? I don't have any idea. What are your ideas and business then you're not gonna do anything if your idea in business is I'm going to make sh.

[Angie]

I could try.

[Caleb Hammer]

No one does that. Try what you have to have. What do you bring into the marketplace that is actually unique?

[Angie]

Nothing. Nothing.

[Caller/Interjector]

Stop.

[Angie]

But I have a lot ideas.

[Caller/Interjector]

Ideas.

[Caleb Hammer]

What are your grand ideas that are not already being done the exact same way but better?

[Jessica]

You have a new idea.

[Angie]

You know, I'll come up with it. I will. I will come up with it.

[Caleb Hammer]

It's a wonderful strategy. It'll just happen.

[Angie]

Maybe my kid would want to join this wonderful idea.

[Caleb Hammer]

Oh, poor child.

[Angie]

What the hey?

[Caleb Hammer]

What do you mean? What are you gonna make them make? Carpet?

[Angie]

No, not carpets. Like that's another thing. You're a freak.

[Caleb Hammer]

Making carpets. Closed shoes. You couldn't even. You somehow in the world of the Dallas metropolitan area about to be the third largest metro in the country, couldn't make money moving things for people.

[Angie]

Why would I want to move things?

[Caleb Hammer]

Why'd you guys do it?

[Angie]

Business.

[Jessica]

The hot shot.

[Caleb Hammer]

Why'd you guys do it? Hot shop.

[Angie]

But that was for like. I'm thinking. You're thinking of moving people's houses. Not like.

[Caleb Hammer]

What were you moving?

[Angie]

Tires.

[Caller/Interjector]

Good.

[Caleb Hammer]

And you couldn't even do that in the fourth largest metro in the US about to be number three. You couldn't even make that work there with millions of people. How the are you gonna be able to do anything?

[Angie]

But that would. That's out on the road. That's. That wouldn't benefit.

[Caleb Hammer]

You're just going somewhere to pick up. What do you mean not benefiting?

[Angie]

All over the place. All over the U. S. All right.

[Jessica]

You do have a new business venture she told me the other day she wants to be a barber. Yep. Never once be a barber.

[Caleb Hammer]

Very good. Yes. That is again, that's not you having a business idea. That's just you wanting to do something different.

[Angie]

My crampets are great.

[Jessica]

Yes.

[Caleb Hammer]

She loves munching on those carpets. We know. Listen, you love switching.

[Jessica]

Switching on everything, like jobs and everything. She gets tired.

[Caleb Hammer]

Well, I get bored.

[Caller/Interjector]

I. Dude, I'm all over the place.

[Caleb Hammer]

Like I want to do a thousand different things, but you gotta lock the can. You have a kid coming in a couple months. You don't get to choose this anymore. You may have a kid, but I

[Angie]

think it is a lot of ideas that he could potentially think that it might be.

[Caleb Hammer]

Hey, maybe let him be an entrepreneur then. How about you take care of the roof over his head today?

[Angie]

Easy. I join him. I have the money.

[Caleb Hammer]

18 years. You can today make sure there's food on the table today.

[Angie]

I. Well, I guess I'm going to have to just still truck drive until I find a new idea to come up with.

[Caleb Hammer]

It's not about ideas. You're not coming up with ideas. Cutting hair is not an idea. What do you think you are, dude? You're the laziest entrepreneur I've ever heard. Or the most. I can't tell you're not an entrepreneur.

[Angie]

New to me.

[Caleb Hammer]

Cutting hair. That doesn't mean it's new to humans. Other people cut hair.

[Angie]

I can't just think out of the box. I can't just be like.

[Caleb Hammer]

Then you can't be an entrepreneur. No, it's as simple as that. Cold hard truth. If you can't think out of the box, you are not an entrepreneur. Give up?

[Angie]

No, I refuse to give up.

[Caleb Hammer]

But you're not an entrepreneur. If you can't think out of the box, you will never be successful. Can you help that thing it out of the box?

[Angie]

Help me?

[Jessica]

What do you want me to help you with?

[Caleb Hammer]

What are you talking about?

[Angie]

I want to do something that will benefit our lives and our kids.

[Caller/Interjector]

Work, you make money.

[Caleb Hammer]

You guys are over six figures net. You guys do incredible for the metro,

[Angie]

for the country, and be all on the road and never see you want

[Caleb Hammer]

to do something you want to do. But I thought you guys were three on, three off or whatever. I don't know. Right.

[Caller/Interjector]

Okay.

[Caleb Hammer]

You're gonna see the kid.

[Angie]

No, especially for. I want to go to games. I want to go to his games.

[Caleb Hammer]

Okay, well, first of all, he's gonna be zero. He's not playing baseball this year. So, like, you have some Time to do a transition into some different kind of trucking or something.

[Angie]

Yeah, but at zero, he's even gonna be smiling, seeing people, seeing colors, seeing me at zero. And if I'm.

[Caleb Hammer]

Bro, if you're working three days, you're gonna see a lot of smiling.

[Angie]

You don't just work three days. You're off three days. And if you're off, I mean, you

[Jessica]

could request to work only three days. Well, you'd get a good amount of money.

[Angie]

Still no.

[Caleb Hammer]

You guys already make a lot of money. You can take a little pay cut.

[Angie]

How?

[Caleb Hammer]

With what she just said? You're so stupid. She just said what?

[Angie]

We have so many bills.

[Caleb Hammer]

What then you can't do what you. Your plan wouldn't make sense then because your plan was based on basically only paying for rent by one person stopping working.

[Jessica]

No, what she said.

[Caleb Hammer]

You have a lot of bills.

[Jessica]

We have a lot of bills. I just. I just need her to get a job that's gonna make her just.

[Caleb Hammer]

Oh, my God.

[Jessica]

500 a week.

[Caleb Hammer]

What is this 500 a week thing? What is this? What is this target? What have you done? Does she even know this? Does she understand? Make the logic work for me?

[Jessica]

I've. I've told her. I've told me because, say I continue making like at least $1200 a week, that's what, 4, 800amonth? And then if she brings the extra $500 a week, that adds $2000. So that'd be like 6800amonth. That's good.

[Caleb Hammer]

I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study you. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame You. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is a rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS. That is PDS debt.com/pdsdebt.com Hammer you suck with money. So you download a budgeting app. You start with the classic one Ynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy. Right. Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise bills. Play these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download announcement, start the free trial. Dollar wise.com link in the description below. Well, but that's half of what we're making now.

[Jessica]

Three days of work.

[Caleb Hammer]

That's half of what we're making now though.

[Angie]

But I still need to get you

[Caleb Hammer]

guys a Ford half, she suggested. No, with the bills you got. Listen, with the conversation that we just had about this business and stuff like what the. How do you guys even have conversations around the finances in the house? What does it look like? What do the conversations look like in this house?

[Angie]

Basically, I can. Yeah, she starts money, she starts talking

[Jessica]

about her business adventures and I shut them.

[Caleb Hammer]

And what do you do? No, tell me. I want an example. What do you do? Give me a reason conversation about it.

[Angie]

Okay, I want to be a barber.

[Jessica]

No.

[Angie]

What about a tattoo artist?

[Jessica]

No.

[Caller/Interjector]

Why?

[Jessica]

Because you've never even drew. You never draw.

[Angie]

You gotta.

[Caleb Hammer]

You gotta draw.

[Jessica]

You gotta learn yourself how to draw.

[Angie]

You gotta. You learn. It's like a learning process.

[Jessica]

And then barbering. You've never cut in hair.

[Angie]

I Even my hair.

[Jessica]

You don't cut.

[Angie]

I did too cut your hair out on the truck that one day. You were like, oh, I need you to cut my hair. What did I do? I bald it. I bald you.

[Jessica]

That's not. That's a baldy. That's. That doesn't require skill.

[Caleb Hammer]

I feel like two toddlers are having a conversation. This is how it looks in this house when she talk. What the. This. This is like a grade school conversation. What do you expect, an adult conversation?

[Angie]

We just had one about.

[Caleb Hammer]

It was a grade school conversation. I cut your hair on the road. Didn't you see when I took out my scissors and started snipping?

[Angie]

I disagree.

[Caleb Hammer]

Oh, good rebuttal.

[Angie]

You.

[Caleb Hammer]

Well thought out. Very nuanced.

[Angie]

I am.

[Caleb Hammer]

You are what? What are you.

[Angie]

I just think that I.

[Caleb Hammer]

You guys need to get out of the cabin, man.

[Angie]

Why?

[Caleb Hammer]

You can't talk.

[Angie]

I talked.

[Caleb Hammer]

You can't form phone thoughts.

[Angie]

I talk to people in the shipper.

[Caleb Hammer]

In the shipper?

[Angie]

Yeah.

[Caleb Hammer]

I don't know what the shipper is.

[Angie]

Where we go to unload the truck.

[Caleb Hammer]

Okay, so. Okay. The shipper. Very good. Now I know what a ship is.

[Angie]

People.

[Caleb Hammer]

Glad I learned something today. Okay, so that's okay. Conversation around the job. Sure. What about when it comes to spending but budgeting our goals? Everything like that. How do those conversations go? Who's what? Cuz? I know you blame her for the debt. I have the know. I was just typed that you blame her for the debt. Does she even know you blame her for the debt? Angie, do you even know that she blames you for the debt?

[Angie]

No.

[Caleb Hammer]

No. Okay, so what are the conversations that happen? What is the insight? I need insight. And how finances are communicated in this house. Please.

[Angie]

Literally, I want to. Hey, can I buy this?

[Caleb Hammer]

You at least ask for everything.

[Angie]

Not for everything.

[Caleb Hammer]

Then what are you saying? Then you're leading me down the wrong path.

[Angie]

Store. And I'm like, oh, this is cute. Imma get it.

[Caleb Hammer]

Cute. What's cute?

[Angie]

Baby clothes.

[Caleb Hammer]

Okay.

[Angie]

And I'm like, oh, I'm gonna get it. But me. She'd be like, oh, no, it's too expensive. She'd be like, no, don't do it. But I'm just going for cuteness. I don't care if it's.

[Caleb Hammer]

Oh, Jessica, what do you think about this? How do you communicate back? How do you communicate back? Because my communication would be divorce and murder. But what would yours be?

[Jessica]

No, never.

[Angie]

You wouldn't murder me.

[Caleb Hammer]

Okay. How do you communicate back?

[Jessica]

I just. Just a simple.

[Caleb Hammer]

No, that's it? And there's no pushback. There's no worries, usually. Then why are we in debt? What are we struggling with? If you can just say no, and you're the financially responsible one, you can just say no. And she's like, okay, then why the are we struggling? You guys make a shit ton of money. If you've been pregnant for, what is it, seven, eight. I forgot.

[Angie]

Seven, seven.

[Caleb Hammer]

Seven months. Why is this not improving? Why is this still bad? Why is the most recent statements. Why? Because you have a kid coming.

[Jessica]

Okay.

[Caleb Hammer]

And if you can just say no, and she's like, okey dokeys, then why the are we in this situation?

[Angie]

We just started taking over the bills.

[Caleb Hammer]

Yeah, we.

[Jessica]

From my mom.

[Caleb Hammer]

What bills? What do you mean bills?

[Angie]

The house. The.

[Caleb Hammer]

The house. What about the debt you're in? Was it your mom's debt that you take over?

[Angie]

Yeah, it is.

[Caleb Hammer]

What? It's all your mom's debt. You don't have any debt.

[Jessica]

Well, the thing is, when she has. When we started working.

[Caleb Hammer]

Are we saying. She says you have debt. So why are you trying to gaslight me? What the are you talking about? Trying to improve.

[Jessica]

I did not know that we had debt.

[Caleb Hammer]

You didn't know that you had debt?

[Jessica]

Yeah.

[Caleb Hammer]

This is what.

[Jessica]

This is our.

[Caleb Hammer]

What kind of.

[Jessica]

This is our second month doing our own bills.

[Caleb Hammer]

Bullshit. Spending was 1750 regardless of debt. Thousand seven hundred fifty without the door and just bullshit. Nothing. Not improving. Life at all at a minimum, by the way. Minimum. You what?

[Angie]

We redid our house.

[Caleb Hammer]

That's not miscellaneous. Stopping at a gas station, stopping a McDonald's.

[Angie]

We used to smoke.

[Caleb Hammer]

I'm glad you don't because you're pregnant and you almost were. If you want a high five for that, I ain't gonna give it to you. That's kind of basic.

[Angie]

You sure?

[Caleb Hammer]

Yes.

[Angie]

Good.

[Caleb Hammer]

You don't smell like a nasty piece of. Well done. Proud of you. You woke up, don't you? Gas. Who said that's not miscellaneous? That's transportation of which is very expensive. In fact, it's 38% of your spending. I'm not complaining about that. I might, but I'm not because I assume you guys fill your own tanks because you're independent contractors, right?

[Jessica]

No.

[Caleb Hammer]

Is that correct? How's the transportation so expensive?

[Jessica]

Probably going into truck stops and buying food and stuff.

[Caleb Hammer]

No, no, no, no. Transportation. Usually it's not gas.

[Jessica]

Oh, would it be like.

[Caleb Hammer]

Oh, sure. We'll have to go into it, but I would like to hear. I was thinking maybe you would have any Kind of insight into your finances. I thought you were.

[Jessica]

This is our second month ever paying our own bills.

[Caller/Interjector]

How?

[Caleb Hammer]

Guys, I'm so confused. We're 31 and 32. What the wrong with you guys? Well, even. Yeah, our mom. Our mom. Oh, her mom. Okay. Why were you never independent in your life even before her?

[Angie]

I'm irresponsible. I don't even have a bank account in my house.

[Caleb Hammer]

How are you surviving before her mother?

[Angie]

My parents.

[Caleb Hammer]

Your parents. So you guys are coddled children and yet you thought it was time to bring a child in of your own?

[Angie]

We grew up.

[Caleb Hammer]

Pathetic. No, you didn't. Growing up wouldn't be. This growing up wouldn't be putting more on a credit card than you spent.

[Angie]

We still have a house over our head. We still have electric on for now. We still have water for now. We grew up.

[Caleb Hammer]

For now.

[Angie]

From our parents. Well, not. I don't know about you, but from my parents doing everything for me, you know, to us. Well, me now paying stuff on our house. I think I grew up.

[Caleb Hammer]

You're pathetic. I'm calling your parents in the P.O. show.

[Angie]

Oh, well, my mom died, so you can't.

[Caleb Hammer]

What?

[Jessica]

Yeah, my mom died last year. That's why we're taking over.

[Caleb Hammer]

Oh, yours is dead, too?

[Angie]

Yeah.

[Caleb Hammer]

Guys, everyone's getting dead. Parents, stop. I'm sorry. That's hard.

[Angie]

Your father, you can call him if you want.

[Caleb Hammer]

Okay. Got one. We found one alive,

[Jessica]

you know, don't call mine. He doesn't speak English.

[Caleb Hammer]

I'll call Ace. No, we wouldn't do that. We wouldn't do that. We like Engine.

[Jessica]

He's in Mexico.

[Caleb Hammer]

Ah, yes. Yes.

[Jessica]

So you could call them all you want.

[Caleb Hammer]

We'll just drone them and say dead. No. We make jokes. No.

[Angie]

So that's why I'm saying it's only been.

[Caleb Hammer]

I'm sorry to hear that your mother passed away, by the way.

[Jessica]

She was in charge of paying all of our bills for us.

[Caleb Hammer]

So that's why I stopped two months ago. Yeah, Okay.

[Jessica]

I didn't even know that was that much money.

[Angie]

So all of it was that much money. We just gave her a flat.

[Caleb Hammer]

I'm being told we're going to call your sister cuz your sister's living off you guys milking off of you. Cuz she was milking off a mom and now mom's not there. Now she's milking off of you guys, which doesn't even. I mean, I don't even know if that's your. Yeah, sure, she might be like a sister or something. But you guys are your own lives regardless. Even without her, you guys are just destroying it by spending more and more money. You guys are afraid to confront her to get her out of the house. Why are we afraid? How can you be afraid?

[Jessica]

She used to beat me up when I was little.

[Caleb Hammer]

Okay, well, you're certainly not little, I'll tell you that. Hey, fight back.

[Angie]

Hey.

[Caleb Hammer]

What?

[Angie]

That's. That's me.

[Caleb Hammer]

Yes, you're on financial audit.

[Angie]

Okay, but talking about somebody's weight is rude.

[Caleb Hammer]

Did you not watch the 15 minute onboarding video where I said I'm gonna make fun of your weight and if you don't like that, tell me?

[Angie]

Oh, yeah, I did.

[Caleb Hammer]

Oh, that's weird. Okay, so you're not tiny anymore.

[Jessica]

No, it's. It's not worth the headache. She'll stop talking to me for a while.

[Caleb Hammer]

Good, right? Isn't that what we want, to get her out of the house?

[Angie]

No, just because she stops talking doesn't mean that she's gonna get out of the house.

[Caleb Hammer]

Okay, who owns the. You. Do you own the house?

[Jessica]

It is our house.

[Caleb Hammer]

No, do you own the house?

[Jessica]

Like, is it in our name?

[Caller/Interjector]

Oh, yes, yes, yes. Who owns the house? Good. Death.

[Jessica]

Third time, my grandma's house.

[Caleb Hammer]

Okay, grandmother's perspective on this then.

[Jessica]

She's not alive.

[Angie]

He's dead.

[Caleb Hammer]

Who'd the title get passed to? It wouldn't my mom. Then who'd the title get passed to?

[Jessica]

Me, but not yet because it just happened in March.

[Caleb Hammer]

Okay, okay, okay. So once it is your house, take your legal authority and kick her the out. Right. Why are you afraid to confront her? I'm so confused. Because she's violent?

[Jessica]

No, it's just violent. It's not worth the headache.

[Caleb Hammer]

Well, okay, then what's the problem with her being there? If that's not worth the headache, then the headache of her being there must not be that big.

[Angie]

She has a dog.

[Caleb Hammer]

Wolf, like. Okay, welcome to American households.

[Angie]

Her dog is mean.

[Caleb Hammer]

Okay, she has a bad dog.

[Angie]

Yes.

[Caleb Hammer]

That's our big issue for wanting to kick her out.

[Jessica]

Well, she leaves her dog at our house, and then she just leaves for days and then comes back and.

[Caleb Hammer]

You've brought this topic up.

[Angie]

We brought it up to her.

[Jessica]

She does her own thing.

[Angie]

Walked away.

[Caleb Hammer]

Okay, then, so you'll kick her out,

[Angie]

then she won't talk to us.

[Caleb Hammer]

Okay, then kick her out. You're living with a child. She doesn't talk to us because you'll evict her. You own the house.

[Angie]

We don't own the house.

[Caleb Hammer]

No.

[Angie]

Yes.

[Caleb Hammer]

She does. Not yet, but she's about to.

[Angie]

Don't.

[Caleb Hammer]

She's about to. I'm saying when she gets about two

[Angie]

is gonna take more than a year.

[Caleb Hammer]

It's gonna take you a year to get the title. Two years. Why is someone challenging.

[Jessica]

My uncle's the executor of the house and he's in prison is wrong with your family?

[Angie]

Never said our family was perfect.

[Caleb Hammer]

Okay, but you want to move into a new house anyway. So. I don't even understand the purpose here.

[Angie]

I do.

[Jessica]

We are not gonna do that.

[Angie]

Why?

[Jessica]

Because our house. Our house.

[Angie]

You've been in that house, that family household for how.

[Jessica]

How are we even gonna get a

[Angie]

new house your whole life? You sell that house that we're currently in, you sell it how?

[Caleb Hammer]

The uncle's in prison.

[Angie]

Well, is he going to be in prison forever?

[Caleb Hammer]

You made it basically sound like it would take two years.

[Angie]

I mean.

[Caleb Hammer]

Yeah, so she can't sell. So you can't sell the house for two years.

[Angie]

She could rent it.

[Caleb Hammer]

Can she can. You can't get the sister out.

[Angie]

You have a roommate.

[Caleb Hammer]

That's not a real answer. So it's not a real solution to your issue. You want to move?

[Angie]

Yeah, I want to move.

[Caleb Hammer]

Why are you against this? I guess I'm being told this is one of your guys biggest disagreements.

[Jessica]

This is our biggest disagreement.

[Angie]

It is.

[Caleb Hammer]

What's the issue? What. What's the. What's. What are you advocating for?

[Angie]

I want to move. Okay. We got married, we have a kid. Why not move into a house that is ours, that we can call ours, Not a childhood home. I moved out of my childhood home. Why wouldn't you want to move out of yours?

[Caleb Hammer]

And then what's your paid off?

[Jessica]

The house is almost paid off. We. It's a four bedroom, four bathroom house and we only pay 1200

[Angie]

and we

[Jessica]

live in the suburbs, so.

[Caleb Hammer]

Okay, well, you'll still live in the suburbs probably because that's really all Dallas is.

[Angie]

What if I don't want to live in Dallas?

[Jessica]

If it wants to move to Pennsylvania,

[Angie]

I want to move somewhere closer to my family.

[Caleb Hammer]

Do you want to?

[Angie]

No.

[Caleb Hammer]

Okay, then obviously we're gonna have a problem. And also, who knows if the opportunities are as good as wherever you are gonna be in Pennsylvania. Where in Pennsylvania?

[Angie]

Probably not, but it doesn't have to be.

[Caleb Hammer]

Where in Pennsy then? Where? Okay. Philly has opportunities.

[Angie]

Yeah, but it doesn't. No. She's not gonna feel comfortable enough to live over there.

[Jessica]

What?

[Caleb Hammer]

Why? I don't.

[Jessica]

I don't know anybody over there?

[Caleb Hammer]

No, but that. That. That's moving. It happens.

[Angie]

Yeah, but it's like she'll never feel comfortable enough around like my side of the family.

[Caleb Hammer]

How are we. How are we coming to any kind of agreement on this topic then? We want to move. We want to move somewhere else. No, we're not going to move. The. The mortgage payment. I mean, that's a decent argument and I. I do get that. But you still sell the house and then you can walk away with that massive equity position.

[Jessica]

I wouldn't get the whole position, the whole amount of the house.

[Caleb Hammer]

So it would. It's not just you on the title who would.

[Jessica]

No, it. It does go to me. But my mom said that if that.

[Caleb Hammer]

Yeah, said.

[Jessica]

Yeah. Said.

[Caleb Hammer]

Said might not be enough. You might get the full amount.

[Jessica]

I know, but I'm pretty honest person, so she said if. If the house ever gets sold, I gotta split it between my brother and my sister.

[Caleb Hammer]

Okay, but they don't get equal rights to the house before selling.

[Jessica]

We would get a bigger portion.

[Caleb Hammer]

And they know that then that's not equal splitting.

[Jessica]

Well, they know I'm paying on it and have been paying on it. So.

[Caleb Hammer]

How long?

[Jessica]

Two years.

[Caleb Hammer]

Oh, your mother wasn't.

[Angie]

Oh, we would send her mom money.

[Caleb Hammer]

How much were you guys giving her?

[Jessica]

We gave her $2,000 a week. Yeah.

[Caller/Interjector]

What?

[Jessica]

To pay all of our bills and.

[Caleb Hammer]

Oh wait, she was paying yalls credit cards?

[Jessica]

Yeah.

[Caller/Interjector]

Whoa.

[Caleb Hammer]

You guys are actual children. Why do you guys think you are in the place to bring one into the electricity? No, no, no. Just like credit cards and basic shit. Not knowing that shit at 32 and you're bringing a kid into the picture. Wait, you didn't even know because you only started doing it for two months.

[Jessica]

Our second month doing second month.

[Caleb Hammer]

I got that part. But you are seven months pregnant. In what world did you guys think you were ready to bring in a child into this world? What the irresponsible, selfish behavior mindset is that you're paid. You wouldn't even know. You weren't paying them. Your mother was.

[Angie]

But they were still being paid.

[Caleb Hammer]

No, that's not the point. If you guys can't even survive on your own, how the do you think

[Angie]

it's time to be paying house?

[Caller/Interjector]

Your mom was.

[Caleb Hammer]

Are you not able to understand electricity? Are you that much of a.

[Angie]

It's our money paying all the house.

[Caleb Hammer]

But you were not doing it. You couldn't. Can you even tell me how much? So $2,000 a week. And how much over those went to actual bills? That Were your own, who knows?

[Caller/Interjector]

See, then you can't tell me.

[Caleb Hammer]

Wires. Expenses are 5,000 hours a month. You guys found out on your own, I'm being told. But 2000 hours a week being taken for mom. Where'd that go? $8,000 a month. Where'd that go? If it was only $5,000 in expenses? No, but it's only 5,000 in expenses a month is what you guys have found out where the additional three.

[Jessica]

We went on a lot of vacations, but.

[Caleb Hammer]

So your mom would pay for them. So your mom had the savings?

[Angie]

Yeah.

[Caleb Hammer]

What? So your mom was putting it into savings for you.

[Caller/Interjector]

Why the.

[Caleb Hammer]

Did your mom think this was a good way to live?

[Angie]

It worked.

[Caleb Hammer]

No, it did it work.

[Angie]

It did.

[Caleb Hammer]

Okay. Total savings, $460. No, it didn't work. Where'd the extra 3, 000amonth go? For years it went to vacation.

[Jessica]

Vacation.

[Caleb Hammer]

You took 3, 000 hours of month vacations Every single month.

[Jessica]

It went too.

[Caleb Hammer]

So every two months, you guys were doing a great grand European vacation because that's what that could do. Every two months?

[Angie]

No.

[Caleb Hammer]

Then what are we talking about?

[Jessica]

Well, we did have a lot of arguments with her of why we're paying so much.

[Caleb Hammer]

Yeah. And she said.

[Jessica]

What did she say?

[Angie]

I don't remember what she said, but.

[Caleb Hammer]

And you guys just allowed it and continued. What the are we doing?

[Jessica]

I think we lowered the amount we gave her to. I think that was only 1500 each. No. Each. No. For the 1500 a week. Yeah.

[Caleb Hammer]

Well, I want to make up for. Oh, I know. No, no. Yeah. It would still be a thousand more than your bills, though. I'm like, where would that go? Then he gonna save you. She had 400 bucks.

[Jessica]

She probably gave some money to my brother.

[Caleb Hammer]

Oh, nice little redistribution from y' all's brother. Brother Money got taken from you, given to your brother.

[Jessica]

And also we were. We were paying for her doctor's visits and stuff.

[Caleb Hammer]

Well, that's fine, but you should be able to. You should be able to allocate how much money you want to be providing to that yourselves.

[Jessica]

We told her to retire and we

[Angie]

would take care of her.

[Jessica]

Take care of her.

[Caleb Hammer]

Right, but she's taking the money without you guys designating how much money you want to give.

[Angie]

Why would we designate where we go?

[Caleb Hammer]

Cuz it's your money. You can choose how much money you give. But you had zero insight. You're giving 8,000 for 5,000. You had no idea where money was going. She was just blowing it. And now you guys have zero Life skills to be able manage so. Huh.

[Angie]

I'm not good at math, so I wouldn't know how.

[Caleb Hammer]

I can tell. I'm actually very nervous that you are on the road.

[Angie]

Do I have to do math on the road?

[Caleb Hammer]

She's not a good brain is broken. Exactly one. You're a woman.

[Angie]

Women can drive.

[Caleb Hammer]

Can I.

[Jessica]

Can you drive a semi?

[Caleb Hammer]

No.

[Angie]

Exactly.

[Caleb Hammer]

But I'm a.

[Angie]

Well, nobody told you to be that.

[Caleb Hammer]

No, just a common. Oh, I'm kidding. We love women drivers here. We love women drivers here. Better than immigrant drivers.

[Angie]

Do you?

[Caleb Hammer]

Yes.

[Angie]

What's wrong with them?

[Caleb Hammer]

Who?

[Angie]

Immigrant drivers.

[Caleb Hammer]

Do I what? I didn't say anything that would respond to that.

[Angie]

You said that you love women drivers rather than immigrant drivers.

[Caleb Hammer]

Well, at first that was a joke. That's why I looked at the camera like Jim from the office. But also two.

[Angie]

I got it.

[Caleb Hammer]

I mean. Yes, there have been actual documented issues.

[Angie]

I didn't catch the joke.

[Caleb Hammer]

Yes, that's why I said I'm concerned of your brain being on the road behind a multi ton vehicle, 70 mph working when and where we have not

[Jessica]

found out our truck goes 75.

[Caleb Hammer]

Even scarier. What's the financial score of this household? 0 to 10. 0 being the worst, 10 being the best.

[Jessica]

I think we're at a solid 4.

[Angie]

4.

[Caleb Hammer]

Oh, we agreed on it.

[Angie]

We agree on things.

[Jessica]

We agree on a lot of things.

[Caleb Hammer]

Good. Glad to hear it.

[Angie]

Would you agree that ours is a four?

[Caleb Hammer]

I don't know your finances yet. I wanted to get the baseline, understand what happens in this household. Now I'm gonna go into the portion of the show that you signed up to be on where I go through the documents and then I'll tell you your score in the end.

[Angie]

Great.

[Caleb Hammer]

Okay. If you want your financial score, it is free. You can get it right now. You don't have to wait an extra 45 minutes to get yours like they do. But you can get yours@caleb hammer.com. take the assessment. Takes a few minutes. See where you stand in the world of finances, where you're doing bad, where you're doing great. Again, it is free@caleb hammer.com and if you do not want to be like them or they're just figuring shit out now for the first time in their lives. Download the dollar wise budgeting app. That's what you guys should be using. Get your free trial, see if it works for you. Most people take the annual version because it saves a lot of money. And when you do, you get the digital version of my cookbook and my 30 day detailed budget meal plan where you can meal plan every single snack, drink, meal, everything on a $300 person budget. It is awesome. We verify it each quarter to make sure it's sticking with that budget. We'll raise it when we need to. I'll sign it, mail directly to you. This is what you need to change your food life. Change your budget. Download downwise. Tens of thousands of monthly activities for a reason. Check it out.

[Angie]

Is it signed? No, I thought you just said Joe. Sign it for me.

[Caleb Hammer]

Set up with annual Dollar Wise. She missed that part.

[Angie]

Looks good.

[Caleb Hammer]

Dollarwise.com link in the description below. Let's get into this. Who has the quicksilver? Do we even know who has the quicksilver yet?

[Jessica]

It's both of us.

[Caleb Hammer]

You're both on it.

[Jessica]

We're not on it.

[Angie]

We're not on it at all.

[Jessica]

It's my dad's card, but we use it.

[Caleb Hammer]

Oh, okay then what's the.

[Angie]

I have it in my wallet.

[Caleb Hammer]

Your Dad's card?

[Jessica]

Yeah.

[Caleb Hammer]

Mr. Mexico. He has Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollarwise Annual, you'll get my four course educational bundle as a special bonus so you can get financially ripped while you track your money. And normally this would cost over $700 by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and lifetime access to my four best selling courses. Oh, and you'll also get a free copy of my Budget Friendly Cookbook PDF to download so you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to Dollarwise.com or click that link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money.

[Caller/Interjector]

Free money.

[Caleb Hammer]

We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below.

[Jessica]

He has good credit.

[Angie]

He has great credit.

[Caleb Hammer]

Does he?

[Angie]

He does.

[Caleb Hammer]

When on a card that is maxed out over a thousand dollars. That's his card. I don't think he has great credit.

[Jessica]

I don't think he never even touched it.

[Caleb Hammer]

Doesn't matter. You guys are. Oh, my gosh. You guys are pathetically. No, no, no, no. I'm sorry. I'm sorry. I have to pause. You guys are actually morons. If that's how you think this works. Just because he doesn't know about it or he doesn't use it doesn't doesn't mean it being maxed out over $1,000 over the max doesn't impact his credit when this is his credit card. Are you guys that pathetically stupid? I have to ask. I have to ask. I know I'm being mean right now, but I have to ask.

[Caller/Interjector]

In no way in this world do

[Caleb Hammer]

you guys think just because he is not the one swiping that it is not packing his credit when it is his credit card. Please tell me you understand that that's

[Jessica]

why we're paying it off.

[Caleb Hammer]

You. You Tom. You dumb. I'm so sorry. I'm so sorry. I'm being so mean.

[Caller/Interjector]

No, you are not. You are not.

[Angie]

We are pissed.

[Caller/Interjector]

You put a thousand bucks to it. You spent three.

[Caleb Hammer]

You tit. Dude, you have a credit limit of 7,000 on it.

[Caller/Interjector]

You owe eight. Paid it off.

[Caleb Hammer]

Go yourself. Paid it off.

[Caller/Interjector]

You've never heard a child in there?

[Caleb Hammer]

Your mother's.

[Caller/Interjector]

Have you guys ever heard of what

[Caleb Hammer]

paint it off is?

[Caller/Interjector]

You spent triple trip. You even put towards that paying it off. What are you talking about? It's $1,000 over the limit. Paying it off. What? Paying it off? I haven't seen paying it off ever. Where's the payoff? Show me the payoff.

[Caleb Hammer]

I don't see it.

[Caller/Interjector]

What are you talking about?

[Caleb Hammer]

Payoff?

[Caller/Interjector]

You're trucking triggering me. You're a dumbass. How can you tell me your pay. Where's the payoff?

[Angie]

It pays off. You pay. You pay. Look. Okay, you pay as much as you need for the bills that month.

[Jessica]

No, no, no, no. That's why the payment never shows because it was $1,000 over. I thought the limit was 800. 8,000,

[Caleb Hammer]

remember?

[Caller/Interjector]

Just look at it.

[Caleb Hammer]

Just look at it.

[Caller/Interjector]

What time? 7.

[Angie]

It doesn't show up.

[Caleb Hammer]

What?

[Caller/Interjector]

It literally does.

[Angie]

No, it literally does not show up. It does not show up.

[Caleb Hammer]

You.

[Caller/Interjector]

You sent me this? Meaning you have access to this. You.

[Angie]

Hey. I did not send you that.

[Caleb Hammer]

Who did? Papa. Papa in Mexico.

[Jessica]

No, I sent it.

[Caller/Interjector]

Then you can look at it.

[Jessica]

I didn't look at it, but you can.

[Caller/Interjector]

You can. I know it's not a basket of fried chicken or whatever the.

[Jessica]

You love.

[Caller/Interjector]

You can still look at it.

[Angie]

I don't think I've ever looked at one of those.

[Caller/Interjector]

You're.

[Caleb Hammer]

I don't expect you to do anything, but you. At least.

[Jessica]

I just found out about that card two months ago.

[Caller/Interjector]

You're the one swiping on it.

[Angie]

How'd you just find out it's me? I swipe on it, it's in my wallet, and I just tell her, hey, it's over the limit. Can we pay this?

[Caleb Hammer]

Bro, you don't even have a checking account. You're 31 and you don't have a checking account. Why the. Do you have access to this credit card?

[Angie]

I have access to all credit cards. They're in my wallet.

[Caller/Interjector]

Well,

[Caleb Hammer]

what do I do here? This. I'm sorry. This kid's. Can we just be candid here?

[Caller/Interjector]

This kid's. With your not understanding of credit limits

[Caleb Hammer]

or looking at accounts or you having access to cars. You don't even have a checking account. You don't have a plan to save your life. Uncle who controls everything's in jail, and you're spending 3000.

[Caller/Interjector]

Well, putting 1000. Couple hundred towards it.

[Caleb Hammer]

And you didn't look at all.

[Jessica]

We're learning.

[Angie]

Yeah, it's a learning process.

[Caleb Hammer]

You're learning. You're learning.

[Caller/Interjector]

You're 32. You're 32, and we just. At 32, you could learn about investing in mortgages, but you're 32. At 32, we don't learn about opening a checking account.

[Jessica]

We never had to learn before.

[Caller/Interjector]

That's what I'm saying is the problem. Don't bring in a kid yet.

[Angie]

A little too late for that, is it?

[Caller/Interjector]

Go to Colorado.

[Angie]

No, you can't do that.

[Caleb Hammer]

Okay. I wasn't advocating for it anyway. I'm just saying you guys are a little.

[Jessica]

He's kicking.

[Caleb Hammer]

It's gonna need to kick a lot harder to end it. I'm sorry. Oh, he's just. He's.

[Jessica]

He's.

[Angie]

It's learning. You learn. Like I said, you roll with the punches.

[Caleb Hammer]

You don't have a checking account at 31.

[Angie]

I'm nervous.

[Caleb Hammer]

Oh, exactly. So your kids.

[Angie]

No, I'll grow up.

[Caleb Hammer]

Why haven't you then?

[Jessica]

We didn't have to.

[Angie]

Yeah, I didn't have to.

[Jessica]

There was no need.

[Caller/Interjector]

Why were we impregnating ourselves?

[Caleb Hammer]

Well, you're still getting taken care of because your grand.

[Angie]

Everything died two months ago.

[Caller/Interjector]

You got him pregnant seven months ago.

[Angie]

Everything was taken care of that's why. Why. Why else? We had a roof. We had all the bills covered. We gave the money that needed to pay for bills and then some. It was taken care.

[Jessica]

Yeah, we have. We have the financials. For a kid.

[Caleb Hammer]

You have the financials. You're over the limit on this. You have the financials.

[Jessica]

Yeah, but how much. How much extra money do we make that you were just talking about?

[Caleb Hammer]

That's a great question. Well, here's the answer to that question. You brought in 6,367 last month. I don't know how maybe hours were caught. You spent.

[Jessica]

Oh, and I didn't even work last month.

[Caleb Hammer]

Well, that's why your income was half. Yeah, and I didn't even. That's what I just said.

[Angie]

Hey, that was me.

[Caleb Hammer]

You guys are so.

[Angie]

I brought that in.

[Jessica]

Yeah, you brought that in.

[Caller/Interjector]

You guys are so stupid. That's

[Angie]

cool.

[Caller/Interjector]

Yes, I just said you made half income.

[Caleb Hammer]

Why didn't work last month?

[Caller/Interjector]

Well, yeah, don't.

[Caleb Hammer]

You spent 11,000.

[Caller/Interjector]

I don't care who brought it in. Why does it matter who brought it in? Why do you guys think that was a relevant part of this conversation? I am just telling you because I

[Angie]

don't even have a bank account and I brought in the money and I have all these ideas for a new job and I still brought in that. Look at that. I'm doing something right here. I am capable of having a kid.

[Caleb Hammer]

Oh, you spent 10. You spent 11. You spent 11. 11 will spend. So telling me your financials are good? Is that what you said? Your financials are good. How much money do we have left extra? What do you mean left extra?

[Jessica]

That was just last month. That was a bad month.

[Caleb Hammer]

Oh, it's always conveniently a bad month. The month that I have the statements for. How does that work? Shut the up. Bad months. There's a bad month every month. That's how Months.

[Jessica]

I told you. We. We went into a situation two months ago.

[Caleb Hammer]

We got our last month situation. Last month.

[Jessica]

Last month.

[Caleb Hammer]

Last month. Why weren't you working? You. And even when you weren't, why'd you

[Caller/Interjector]

spend more than you made?

[Jessica]

I. Well, I was working, but I. I got forced on leaving and I didn't

[Caleb Hammer]

even work last month.

[Angie]

Yes, she got forced.

[Caleb Hammer]

Forced by who?

[Jessica]

By the. My trucking job.

[Caleb Hammer]

Why? Who'd you run over? What?

[Jessica]

They found out I was pregnant and they forced me to go on leave of absence.

[Caleb Hammer]

What? Yeah, make that make sense. Exactly.

[Jessica]

Make that make sense. I'm pretty sure it's illegal to do and technically I still work for that company and I'm still on leave of absence.

[Caleb Hammer]

Okay, so this is your dad's, but. Okay. Who's making the minimum payments on it?

[Jessica]

We are.

[Caleb Hammer]

We. Okay. You don't have a check. Okay, but none of you are author

[Angie]

brought in money last month.

[Caleb Hammer]

Proud of you at 31. Well done. So who.

[Angie]

Thank you.

[Caleb Hammer]

Are you guys on this authorized users?

[Jessica]

No.

[Angie]

No.

[Caleb Hammer]

Perhaps. Nothing. It's not on Yalls credit.

[Jessica]

No, we just want to pay it off and close it.

[Caleb Hammer]

Which is why you spend 3,000 after putting a thousand couple hundred towards it. Yeah, but really strategy.

[Jessica]

The month of March when I had no.

[Caleb Hammer]

Yeah, that's when you cut spending. Dumbass. Dumbass. Dumbass.

[Angie]

Oh no.

[Jessica]

It'll get paid off eventually.

[Caleb Hammer]

Great strategy. It's interesting how it always defaults to that. It'll happen. Not. It's happening. 24 years to pay off. You won't be alive and the kid will be out of college.

[Angie]

Yeah, but he'll have money. He'll have money. He will be a. Okay.

[Caleb Hammer]

You guys are the dumbest people who said me? Why you? The way you process information and the

[Angie]

things you say is very nice.

[Jessica]

It's cute.

[Caleb Hammer]

It's scary. It's not cute. I'm not attracted to mentally disabled people. That might be a fetish of yours. Not of mine.

[Angie]

I'm not mentally disabled.

[Jessica]

It's a Pennsylvania thing.

[Caleb Hammer]

What? No. What? Just because their senator can't read? It's because he had a stroke.

[Angie]

None of this stuff ever in my life. And I still don't.

[Caleb Hammer]

Great mother you'll be.

[Angie]

Well, she's the math person, so.

[Caleb Hammer]

Because she's Asian. That's. That's racist.

[Jessica]

Mexican.

[Angie]

White Mexican. Your toner's running out.

[Caleb Hammer]

Okay, so you guys have access to login. Okay, so we don't send daddy money to pay this.

[Jessica]

No, we just pay it from our account.

[Caleb Hammer]

You pay, you swipe and you his credit. In the meantime we help his credit over max out by a thousand. You are not helping his credit. I promise you that.

[Jessica]

I didn't know that. I should have read that.

[Caleb Hammer]

It doesn't matter if you know it or not. You're doing it.

[Jessica]

Ten minutes ago we found it out.

[Angie]

Just found that out?

[Caleb Hammer]

That's. You sent me this statement yourself.

[Angie]

Don't look at the statement.

[Caleb Hammer]

That is equally. Also why is it just not in dollar wise? You would see it all. Wow. It's automated man. Okay, okay.

[Angie]

Okay.

[Caleb Hammer]

Oh. Okay. Quicksilver $7,934.89 minimum monthly payment 266, aggressive. Especially if we're about to cut our income in half again. You won't be alive when this card's paid off. And the interest that accrues on this is insane. It's almost like 200 bucks a month.

[Jessica]

Yeah, I know. That's crazy.

[Angie]

Yeah, I don't understand, but just pay

[Jessica]

some extra on it. No, she doesn't understand interest.

[Caleb Hammer]

Is that what you're confused on?

[Jessica]

Yeah, it's the I'll tell you later sound worth it.

[Caleb Hammer]

That's not even like. That's honestly not even the critical part of this. It's just the fact that you're spending. And look at this. None of it, none of it is making your life better. It's actually making your life worse. To be clear. Oh, it's fast food.

[Angie]

Well, you gotta eat.

[Caleb Hammer]

You gotta eat. You don't gotta eat yourself into the grave. Don't you wanna be around for your kid? Don't you want to make it to his high school graduation?

[Angie]

We're truck drivers. What else are we supposed to eat? There's not a lot of room. We can't just go to the back of the truck and cook food.

[Caleb Hammer]

Yeah, but you could at least be even stopping more at healthier places. You're not. This is Wendy's and Burger King over and over again.

[Jessica]

That's all.

[Angie]

That's all. That's all that. Truck stops.

[Jessica]

Have you been to truck stops?

[Caleb Hammer]

I have been to truck stops.

[Angie]

You wouldn't say it's the healthiest.

[Caleb Hammer]

Okay, what are you getting there?

[Jessica]

It says it right there.

[Caleb Hammer]

No, it does not say what your Wendy's order is. Oh, what's your classic Wendy's order?

[Angie]

Biggie bag.

[Caleb Hammer]

What comes in the biggie bag, Junior?

[Angie]

Bacon cheeseburger.

[Caleb Hammer]

Okay, well, there you go. You're not getting a salad.

[Angie]

Ew, don't you want gets a salad? You need like the greasy food to keep you up, to keep you driving.

[Caleb Hammer]

Well, that's going to make sure she doesn't make it to high school graduation again.

[Angie]

She already went through high school.

[Caleb Hammer]

Oh, she's a moron. I know you're. But the thing is, people like her don't make it to mid-50s.

[Jessica]

Calling me fat again.

[Caleb Hammer]

I'm not calling you fat. You are fat.

[Angie]

She's pregnant. She's not fat.

[Jessica]

Can't. Can't say that. Anyways, I got this way being a trucker.

[Caleb Hammer]

She's a trucker too. I've seen other truckers. In fact, my uncle's a trucker. Not more sports.

[Jessica]

Yeah, she plays sports.

[Caleb Hammer]

Maybe you should play sports then. That's not you being a trucker, it's you're not playing sports. The thing is, listen, why is it people ask why? Why is that a part of the financial conversation? One, there's three. There's three things. One, bringing a kid into the world can't change the fact that you're morbidly obese now. But that does increase complications. Two, I want you to be to his high school graduation. At this trajectory, you're not. Three, it's expensive. The lifestyle you're maintaining.

[Angie]

She eats healthy.

[Caleb Hammer]

A biggie meal is not.

[Angie]

That's my order. You didn't ask her order.

[Caleb Hammer]

She's not eating healthy. You don't maintain that.

[Angie]

You don't know that.

[Caleb Hammer]

Yes, you do. Everyone does. That's calories in, calories out. Shut up. That is basic math. I'm sorry, it just is. Might be eating healthy, but it's a substantial amount.

[Angie]

So you want her to eat salads?

[Caller/Interjector]

I don't know.

[Caleb Hammer]

It's a start. And the point is, number four, if you are going to do the immense amount of sacrifices that is required to pay off this debt, what is the point if you won't be around to even enjoy the benefits? So there's lots of reasons we bring up weight on this show. And five, let's add a fifth one to it as well. If you are healthier, more in shape, you have more energy to make more money to pay off debt quicker. That is basic reality.

[Angie]

But you need money to pay off debt.

[Caleb Hammer]

That's what I just said.

[Angie]

It has nothing to do with health.

[Caleb Hammer]

Yes, usually healthy people have more energy to work more to make more money to pay off that quicker.

[Angie]

But we have a set route.

[Jessica]

So you guys do well.

[Caleb Hammer]

You guys do well financially, but that is an additional argument that can be done. And you have days off. That's more jobs. Okay. It's in app purchases. It's Burger King, Microsoft payment, Wendy's. Wendy's paying for a U haul smoothie king, which is not healthy, by the way. Sugar. Each of Those is like 600 calories. It's brutal. They are delicious.

[Angie]

They got fruit in them. I get a strawberry banana smoothie. I don't see them putting in sugar.

[Caleb Hammer]

You don't see it? No, it is.

[Angie]

You watch them make it.

[Caleb Hammer]

They put sugar in it. Dude.

[Angie]

Just saying.

[Caleb Hammer]

Teemu timu. What are we teemuing?

[Angie]

Baby stuff.

[Caleb Hammer]

Oh, you basically teemu'd the baby himself, so.

[Angie]

Yeah.

[Caleb Hammer]

Guess we may as well keep that up going and get some bullshit. This U haul lone Star boat thing again.

[Jessica]

Yuhau.

[Angie]

We help your sister twice.

[Jessica]

Oh, we paid for her U Haul.

[Caleb Hammer]

Teemu temu. Uber membership. Thank goodness. Timu. Timu. Okay. We're Timo. And a lot. You guys are crazy.

[Jessica]

We love Timo.

[Caleb Hammer]

I know you're Asian. You went and you got some again. What's the frati who? Prolotti.

[Angie]

No idea.

[Caleb Hammer]

Great. Wonderful. Incredible.

[Jessica]

How much is it?

[Caleb Hammer]

28.71 Olive Garden. Real healthy Prolotti again. Fru. Lati.

[Angie]

Never heard of it.

[Caleb Hammer]

Good. Death. Well, someone's doing it multiple times. Yeah, Driving things that make sense into it. Are you paying for into it? Doesn't make sense because you're not independent contractors. I don't get it. Play pass some in app. Play pass thing. Cube Smart. So we have a storage unit for 82.

[Jessica]

We have.

[Angie]

We have two.

[Caleb Hammer]

Why get rid of it? Doesn't matter. Sell everything.

[Jessica]

It's my sister's apartment. Was is in there.

[Caleb Hammer]

Why are you paying for it?

[Angie]

Because.

[Caleb Hammer]

Stop. She stop.

[Angie]

She can't stop.

[Caleb Hammer]

Well, she needs to get a job and she'll figure it out.

[Angie]

She has a job.

[Caleb Hammer]

Then she can.

[Angie]

No. Yes, she can't.

[Caleb Hammer]

Yeah, she can. Why can't she

[Angie]

tell him What?

[Caleb Hammer]

Tell me.

[Angie]

She rather go out so she can.

[Caleb Hammer]

You don't understand what can't is. She can. And you are enabling her. Just like your parents have enabled you guys. And that's why you guys are today. Bank of America credit card. Okay, well, this one.

[Angie]

Oh, that's good.

[Caleb Hammer]

Was paid off, but it's not anymore. Now it's maxed out again. Okay, so who. Who, who is this?

[Jessica]

It's both of us.

[Caleb Hammer]

Are you guys actually on it?

[Angie]

She is.

[Jessica]

It's mine.

[Caleb Hammer]

So it's yours. So it's not hers. Her credit is not on it?

[Jessica]

No.

[Caleb Hammer]

Okay, so it is Jessica's. Very good. $288.25. 13 months to pay off $25 a month. This is so bullshit again. What do we do? You guys just swipe. That's funny. That's funny.

[Caller/Interjector]

Mm.

[Caleb Hammer]

That's funny. Your lives. Yeah. Nice gum. Smile. Going in, getting some bullshit. Going in and getting some bullshit. Going in and getting some bullshit. PlayStation going in, getting some bullshit. Los Jalapenos. There's the Mexican in you. $66 there. PlayStation, McDonald's. Little Caesars. Going in, getting some bullshit. What are you going in to get in? Some bullshit at 7:11.

[Jessica]

Gatorade. Energy drinks, water.

[Angie]

We live down the street from it.

[Caller/Interjector]

Oh, very good.

[Caleb Hammer]

Buying bu.

[Angie]

Pizza.

[Caleb Hammer]

Here we go. Gamer subs well done. That is your energy drink that you'll be making on the road, you'll be making at home. It is 40 cents a serving with my 10% off discount code. Caleb, link in the description below. Just go to gamersupps gg, get free samples of different flavors. Figure out what flavors are your favorite, then order those. It's 40 cents a serving. You're making your energy drinks at home and on the road. Just like you would make your coffee. It is much more affordable that way than stopping in and getting a $4 one like you did there. Bullshit. McDonald's. Leia do right. Leia Li do right. Li do right.

[Angie]

No idea.

[Caleb Hammer]

Great. It's a restaurant. It looks like in 19 bucks. Fuzzies, Conco, Carl's, Dunkin Charles, Philly cheesesteaks. You're killing yourself. You're killing your money. This is embarrassing. And you're smiling. You're smiling. This is a joke. You have a child coming in a couple months and this is a joke. You're pathetic. You're pathetic. No, you're pathetic.

[Angie]

Yeah, I gotta eat.

[Caleb Hammer]

Gotta eat. Make a sandwich. Have you learned your gender?

[Angie]

Yeah. Still got to eat. I don't like eating at home.

[Caleb Hammer]

You don't have to make it home. Take it with.

[Angie]

I am.

[Caller/Interjector]

You're not.

[Angie]

I do. Take it home.

[Caleb Hammer]

Aren't you supposed to be a trad wife? Isn't that what you want to be?

[Angie]

To have to learn how to cook?

[Caleb Hammer]

Do not know what a trad wife is? I'm sorry, like I'm not even advocating for trad wife. Dumb. But if that's what you want. That's what it is.

[Angie]

I just want to stay home, clean the house.

[Caller/Interjector]

But you wouldn't even do that.

[Caleb Hammer]

Oh, you're so.

[Angie]

Robot. Cleaner.

[Caleb Hammer]

Static. The little vacuum. Oh my goodness.

[Angie]

It cleans for us.

[Caleb Hammer]

It's not cleaning. That's just vacuuming. Okay, you gotta clean toilets and shit too. And kitchen. Oh my gosh. You guys are never gonna make it. You guys are never gonna make it. How the did you. That's why you predatorized her. She was in the truck. She couldn't go anywhere. She couldn't even figure out what the door handle is. Cuz she's. And then you.

[Angie]

Her.

[Caleb Hammer]

Oh my goodness.

[Angie]

I know what a door handle is.

[Caleb Hammer]

Wells Fargo.

[Jessica]

That's mine.

[Caleb Hammer]

Oh, God.

[Angie]

Isn't that yours and your sister's or just yours?

[Jessica]

Yeah, I put my sister's name on it when I. When I was younger because she would deposit stuff into it.

[Caleb Hammer]

Deposit stuff into. It's a credit card you can't deposit into it.

[Jessica]

I'm talking about my checking account.

[Caleb Hammer]

And don't forget, I want you to be on the next episode of Financial Audit. So go to Caleb, hammer.com/apply, or click that link in the description below. You'll have a great time. And I'm going to roast the out of you.

[Caller/Interjector]

Starbucks is bull and a waste of

[Caleb Hammer]

money, and you already know that by making your coffee at home and investing the rest.

[Caller/Interjector]

So now you need to do that

[Caleb Hammer]

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 Sauce. 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.

[Jessica]

Caleb, the credit card's just.

[Caleb Hammer]

Okay. Well, you only made the minimum on this. No surprise to anyone. Well, it was a couple bucks more

[Angie]

than the minimum supposed to do.

[Caleb Hammer]

Shut the up. No, you got to pay.

[Angie]

Make minimum payments.

[Caleb Hammer]

Who says?

[Angie]

The app.

[Caleb Hammer]

Yes, that is an option. That is an option. You married an imbecile.

[Angie]

But you got to make the minimum

[Jessica]

payment if she's not in charge of the financials.

[Angie]

That's very true.

[Jessica]

She just carries all the cards.

[Caller/Interjector]

She's driving.

[Angie]

I know how to drive. I know how to read. Lives are signs on the road.

[Caleb Hammer]

No, you have no processing ability.

[Angie]

Yeah, stop means stop. A green light means go. Got it. I know the gas and I know the break.

[Caleb Hammer]

Wow, there it is. That's everything you need to know, right?

[Angie]

Yeah.

[Caleb Hammer]

795. It's maxed out. No one's surprised. Four years to pay off, kid will be four by the time this is even payoff. You made $75 payment, which I. I, like I said, is more than the minimum, but then I realized it was worthless anyway because you purchased $95 on it. So you. They completely you it. Let's see, what do we even get? Interest accruing. Bullshit. Bullshit. Bullshit. You bullshit. Oh, Pizza Hut. Pizza Hut. Thank goodness. Going inside, getting some bullshit a couple times. And Pizza Hut.

[Angie]

Pizza Hut's good.

[Caleb Hammer]

It's actually not. It's like the worst.

[Angie]

What's your choice of pizza?

[Caleb Hammer]

Anything besides Pizza Hut. It's greasy and it tastes like nothing.

[Angie]

Are you a Domino's fan?

[Caleb Hammer]

Better than Pizza Hut.

[Caller/Interjector]

What?

[Caleb Hammer]

No, bro, it's not 2012 Domino's nice.

[Angie]

So what's your favorite pizza?

[Caleb Hammer]

Well, first of all, not going to be a chain. I'm just going to say that because there's a lot of good pizza and the chains aren't it.

[Angie]

Yeah, we don't have that option.

[Caleb Hammer]

But yes, Domino's, Papa John's, hungry, Howie's, you name it, it's better. Pizza Hut's the worst.

[Angie]

I don't think so.

[Caleb Hammer]

Because, I mean, yes, Pizza Hut might taste a little better than Little Caesars, but Pizza Hut, you're paying the same price as actual good pizza places.

[Jessica]

7:11 Pizza is the best pizza.

[Caleb Hammer]

Wow. Yeah, I understand it. Okay, so you've had a late fee this year.

[Angie]

Are you surprised?

[Caleb Hammer]

No.

[Jessica]

Oh.

[Caleb Hammer]

But I would like you to be because that should. That should be. That should be a big wake up call. And it's. It's not a good thing.

[Angie]

How much was it?

[Caleb Hammer]

Remember your whole make a minimum to payment thing that avoids that $25.

[Angie]

That's nothing.

[Caleb Hammer]

Oh, my gosh. So that's the mindset that gets people in the show and into bankruptcy and losing their children and their house and their everything. Smile about that. That's wonderful.

[Jessica]

You got.

[Angie]

We got other credit cards. So if we miss one minimum payment on this one, we still got other ones. It's not like it's gonna break us or make us.

[Caleb Hammer]

Jessica, I'm sorry. You picked the wrong partner.

[Jessica]

Just financially.

[Caleb Hammer]

No. That's one of the leading causes for divorce. That's one of the leading causes for divorce in this case.

[Jessica]

She just doesn't understand.

[Angie]

We don't argue over money.

[Caleb Hammer]

You have nothing to argue about. You know, nothing. You just go. You are a child.

[Jessica]

So.

[Caleb Hammer]

No, no, this, I'll be honest. I'm more worried for this child coming into this world than most any child. This is actually very scary. You don't understand the impact of what is happening here.

[Jessica]

The child will not have to worry about money.

[Caleb Hammer]

That's not how this works. They will grow up in a house where he will be worrying about money.

[Angie]

No, he won't.

[Caleb Hammer]

That's not how this works. You guys are so ignorant to this.

[Angie]

We didn't. We didn't worry about money when we grew up.

[Caleb Hammer]

Yeah, and it set you guys up for so much success.

[Angie]

It did.

[Caleb Hammer]

Is that the argument you want to use when we're talking about this with where you ended up?

[Angie]

I mean, you're looking at papers now. Look at papers.

[Jessica]

So she just looks at how we live?

[Caleb Hammer]

No, no, no, no.

[Angie]

I look at what I got.

[Caleb Hammer]

She needs to go through an Education plan. And that needs to be an ultimatum. And if not, you need to leave her.

[Jessica]

What?

[Caleb Hammer]

Oh. You guys are not gonna make it in life. And then I'm. And then I'm. Me, an actual contributor to this world is gonna have to subsidize you.

[Angie]

What do you mean? I'm living right now. I'm gonna make it alive. And so is my kid.

[Caleb Hammer]

What did that have to do with what I just said?

[Angie]

You're. Because you think that we're not gonna make it alive because you're reading these little into.

[Caleb Hammer]

I'm gonna have to subsidize you. Why are things more expensive? Healthcare? Morbidly obese. Why is interest and everything so horrible? People go through bankruptcy, no consequences whatsoever. Boom. You guys, why is everything so bad? Takers. People that will never learn any responsibility because you'll take advantage of every system that has ever existed.

[Jessica]

I know, but we barely found out about this stuff and we're working on it.

[Caleb Hammer]

She doesn't care at all. She said a missed payment or a late payment's not bad.

[Angie]

Well, that was one.

[Jessica]

There's a lot of them.

[Angie]

Oh.

[Caleb Hammer]

Oh. Well, I didn't even know that. Pathetic. You guys are why things are bad for those who work.

[Jessica]

But we work.

[Angie]

Yeah, we work too.

[Caleb Hammer]

Now. You already talked about cutting your income in half.

[Angie]

Yeah, for when the baby comes.

[Caleb Hammer]

Your income's gonna go down. Then you'll get more access to social programs that I pay for. And then you'll get more child care subsidy.

[Jessica]

Much money.

[Caleb Hammer]

You get your child care subsidy. You're welcome.

[Jessica]

We wouldn't even know how to go about getting.

[Caleb Hammer]

I was just about to say it's called the standard deduction. And it will be automatic for you because you will clear declare the.

[Angie]

But don't you got to apply?

[Caleb Hammer]

No. You would show that you have a dependent.

[Jessica]

I don't do taxes.

[Caleb Hammer]

You don't do taxes.

[Jessica]

She does my taxes. I've never once done my taxes.

[Angie]

Taxes I could do.

[Caleb Hammer]

I think the IRS will literally take everything from me. If I miss $1 in taxes, you guys. They won't even give a. And then I have to give you all my money. It's pathetic the way we've built society to just encourage people like you. It's disgusting. It's disgusting. Mortgage. This doesn't make sense. Okay? You passed three payments.

[Jessica]

I told you. What happened?

[Caleb Hammer]

You make so much money?

[Jessica]

No, my mom died. So we had.

[Caleb Hammer]

You didn't immediately call the bank of the house you live in?

[Jessica]

No, I didn't. I didn't know if the payment was due or not?

[Caller/Interjector]

The payment's always due.

[Angie]

No, but you don't know when. We just took over these.

[Caller/Interjector]

It's three months.

[Jessica]

We didn't know when.

[Caller/Interjector]

Three days.

[Caleb Hammer]

You call the bank that don't know.

[Angie]

I don't think it's on there. I don't think it is.

[Caleb Hammer]

You look in the mailbox?

[Jessica]

That's what we just found out.

[Angie]

Go.

[Caller/Interjector]

Three months later. What is wrong with you guys?

[Caleb Hammer]

You can't deal with shit. Okay, well.

[Angie]

Shh it. Shh it.

[Caller/Interjector]

Shut up.

[Caleb Hammer]

Let me write this down. Shut up before I have to hear your nonsense.

[Angie]

You got right quick.

[Caleb Hammer]

Shut up. I can't when I have to deal with you because you're impossible.

[Angie]

So you can't do two things at once?

[Caller/Interjector]

No.

[Angie]

Well, that sounds like a personal problem,

[Caleb Hammer]

but brains cannot adequately do two things at the top level at the same time.

[Caller/Interjector]

Top level.

[Jessica]

Shut up.

[Caleb Hammer]

Great interest rate. Don't give this up. If you do, it's pathetic. That's insane. And then you didn't pay. You didn't even call low.

[Caller/Interjector]

Shut up.

[Caleb Hammer]

The balance is $53,351.09. Do not give that up. Do not let this go to foreclosure. I will kill you in Minecraft. Please. This is the. This is such a glorious, glorious thing in a booming area where you have an equity position. Do not this ah serum with the payment is $1,240.31. Do not give up this amazing equity position in a boom area. Do not this up.

[Angie]

So we're not moving?

[Caleb Hammer]

No. I mean, well, no. No. I don't want you to lose the house. You can sell the house and get have an incredible equity position. You can do that. I'm just saying don't lose it to foreclosure. Okay. Why are we past due on T mobile?

[Jessica]

The answer is always going to be the same.

[Angie]

We just took over it two months ago.

[Caller/Interjector]

We didn't know that. Two months ago.

[Angie]

We didn't know.

[Caller/Interjector]

What do you think would happen?

[Angie]

We didn't even know the login that

[Caleb Hammer]

part is okay, but you can call.

[Angie]

Well, we tried to call to lower the bill and they told us no.

[Caleb Hammer]

So you called to pay the bill, but you called to lower it? Yeah, we paid the bill. Golf.

[Angie]

Well, you want to lower it off?

[Caleb Hammer]

Guys. Okay. What is this?

[Jessica]

That's a car that we just got.

[Caleb Hammer]

You guys just got a car loan and you can't even figure out credit cards we needed?

[Jessica]

I traded. I traded in my truck for it.

[Caleb Hammer]

Why?

[Angie]

Because her truck's a gas Guzzler, My

[Jessica]

truck payment was a thousand three hundred.

[Caleb Hammer]

Okay, so it wasn't a paid off truck. What's the interest rate on this? I can't see. It's not on the statement. You wouldn't know. There's no way you would know. You know nothing. Not even worth me.

[Jessica]

I think it's 12. Huh.

[Caleb Hammer]

Huh. What do you think this car is worth that you owe $25,082 on.

[Jessica]

I think like 23.

[Caleb Hammer]

Okay, it's worth $16,000.

[Angie]

Is that good?

[Jessica]

No, it's not good.

[Caleb Hammer]

Oh, Asian math filter this time. 25,080.

[Jessica]

Yeah, but it's worth the cheaper payment than paying 12,000.

[Caleb Hammer]

And you know, that's the poorest mindset that Americans have. You know, that's what Americans as they. They stretch payments further and further and further, thinking the minimum payment is all that matters. Listen, yes, this might be better than the truck, but your. Your equity position is horrendous, likely because you rolled over negative equity either way. But the thing is, that mindset right there is what most Americans paying for it. It's cheaper. Do this, do that. Everything's cheaper, cheaper, cheaper, stretching it longer. But then you're stacking more and more debt forever on top of each other. Keep more risk over your head forever. You want to get out of debt as quick as possible.

[Angie]

We're trying, especially.

[Caleb Hammer]

But no, you're not. Sorry. Have you spent more than you made? Whatever credit card that was there that you spent money on, you spent more than you put towards it trying. You don't know what the word try is. You've never tried anything in your life. You've never done anything in your life. Like, actually, you've never done anything in your life. So you can't say that. You've literally never done anything. You've been a child. You still are. Minimum payment is 476.

[Angie]

Disagreeing with you on that one, but we are getting better at paying things.

[Caleb Hammer]

No, no. Like, no reminder.

[Jessica]

We also are two months in on doing all this.

[Caleb Hammer]

Oh, my gosh. I know. And that's whatever.

[Angie]

Hey, that's my car. Oh.

[Caleb Hammer]

What car do you have? What car do you possibly owe? $46,227 on a. You're a. And you have this.

[Angie]

I have a 23 Jeep Gladiator Mojave.

[Caleb Hammer]

Why? Why do you have a $46,000 car? Why do you need that?

[Angie]

It was cheaper than.

[Caleb Hammer]

Why do you need my other.

[Jessica]

Because her scat pack got totaled.

[Caleb Hammer]

What did you just say? Also your past. So your past due. By four months. What is wrong with you? How do you fall behind? Yeah.

[Jessica]

How much is it?

[Caleb Hammer]

Past due then four months.

[Jessica]

I know. What's the number?

[Caleb Hammer]

$1,362. Normal minimum is 362.

[Jessica]

No, that. That payment is $1,300.

[Caleb Hammer]

Oh, so you're okay. You could make the full payment. You couldn't make the full payment. So I see your current amount due is 1,725 20. The regular amount due is 1,360. You have $1,362 monthly payment on your Jeep.

[Caller/Interjector]

Yep.

[Angie]

Yep.

[Caleb Hammer]

No, that's not the number, is it?

[Jessica]

It's. It's more than the house payment.

[Caleb Hammer]

Is that the number? The number on screen?

[Angie]

They did not send me bins.

[Caleb Hammer]

Actually, let me double check.

[Jessica]

Should be in the email.

[Angie]

Actually, this is for the Jeep. The Jeep. I did not have a bed.

[Caleb Hammer]

Oh, dude. Dude. You owe $1300 a month on a car that you owe $46000 on which your interest is probably like 30 or something predatory.

[Jessica]

It's not 30. What is it? I think it's like 11 or 12.

[Caleb Hammer]

Yeah, it's still. Shut the up.

[Caller/Interjector]

Shut up.

[Caleb Hammer]

30 is dumb, dude. Oh my gosh. Why are you still on the previous topic? I'm trying to move on. Are you incapable of having conversations? So should I start that again before getting interrupted? Okay, thank you. Let me try this again. So you owe $46,000 with the $1,362 monthly payment. What do you think that car is worth?

[Jessica]

I'm going to say 30 something.

[Caleb Hammer]

What would you say?

[Angie]

I don't know.

[Caleb Hammer]

Try. What do you think? What do you think? It's worth a lot of money. Okay. $15,990. You got predatored.

[Jessica]

No, not for a Mojave.

[Caleb Hammer]

Might be a little more, but that's what we got. But it's certainly no more than half of what you owe. No more. You're. You guys, everything. You're bringing a kid into this mess. This is disgusting. You are easily within the top three highest minimum payments ever, but you are easily the most ever. So this is horrible. And you're stuck and you can't get out of there. You can't borrow the difference. You're.

[Jessica]

We're not even trying to sell it or nothing. I like the car.

[Caller/Interjector]

Oh, good.

[Caleb Hammer]

She likes $1,300 monthly payment more than her mortgage.

[Angie]

That's a nice car.

[Caller/Interjector]

Good luck in there.

[Caleb Hammer]

You're.

[Angie]

No, he won't.

[Caleb Hammer]

No, he won't. No, he won't.

[Angie]

Watch Cars will be his probably.

[Caleb Hammer]

Okay, I have a shit ton of collections. I'm not even gonna. It's just. Whatever. Listen, I mean it's all bad. It's about a thousand dollars in collections. Who?

[Angie]

Both?

[Jessica]

No, I think that's you. The thousand dollars.

[Caleb Hammer]

A thousand added up because mine's way more.

[Angie]

Oh yeah.

[Caleb Hammer]

Okay. Okay. Who has. I think this is a five affirm. Yeah, you're affirming your temu's. Let's owe on a firm. What is this? What is this? This is different brand.

[Jessica]

That's Klorna.

[Caleb Hammer]

What do you owe on a firm?

[Jessica]

Doesn't say. Right there.

[Caleb Hammer]

What's your monthly payment? No, that's your upcoming payment.

[Jessica]

I think it's like total.

[Caleb Hammer]

Okay, total. You what?

[Jessica]

There's three different ones and they're like 20 each.

[Caleb Hammer]

Okay, total affirm owed is $263.32.

[Jessica]

Gonna guess they're all almost paid off too.

[Caleb Hammer]

Almost. But they're not. 53 payment. But it's all stacking. That's where your mindset's broken. It's stacking. So Klarna 100, 116. What are we Klarning TVs?

[Jessica]

No, it's eBay.

[Caleb Hammer]

Oh, TVs multiple.

[Angie]

We have a hundred inch TV that's already paid off.

[Caller/Interjector]

Why do you have 100 inch TV?

[Caleb Hammer]

You guys are so man to play Fortnite.

[Jessica]

You get to see the people really big when they're really far.

[Angie]

So you can shoot them. So you can shoot them.

[Caleb Hammer]

What are you doing?

[Angie]

We got anywhere from 100 to a 75 inch.

[Caleb Hammer]

You know that actually goes against the gamer mindset by the way.

[Angie]

Why?

[Caleb Hammer]

You actually want relatively smaller screens. So do you have to analyze better?

[Angie]

I'm too blind to see. I need the bigger.

[Caleb Hammer]

It doesn't matter. I'm not considering you guys professional gamers. The Klarna. You guys are so man. Klarna is 262.98 owed, but your minimum appears to be.

[Angie]

That is a lot of papers.

[Caleb Hammer]

Yeah, you're behind on that one by the way. But either way that'll be paid off in two payments. Shut up. 131.95 autopay.

[Jessica]

Yeah, it says autopay.

[Caleb Hammer]

Yeah, well you probably can't have enough in your checking account. Yes you can. When you don't have enough in your checking account.

[Angie]

It doesn't get paid to our checking account.

[Jessica]

Yeah.

[Angie]

Oh, you guys look, I don't know. Nothing. I don't know.

[Caleb Hammer]

Like I don't even know if this is even worth continuing. You Guys won't be able to do anything. You guys are starting from negative. Negative knowledge. Like it's actually so broken. I don't even know what this is. This is an affirm.

[Angie]

Yeah, we have negative knowledge. Cause we.

[Caleb Hammer]

What is this? What is this?

[Jessica]

I think that goes with the other one.

[Caleb Hammer]

I don't know. You have an ebay. This is affirm. This is another affirm. Who's affirm? Her affirm.

[Angie]

I don't have affirm.

[Caleb Hammer]

Another affirm. No, that's the payment that came from the previous. Okay, whatever. Listen, I don't even know if these are deaths or not. This is such a mess. You gotta figure it out.

[Jessica]

Seat Geek. That's a chiefs game.

[Caleb Hammer]

Okay, this one's closed. It's a closed account of a thousand. So this is a collections that I think Jessica has 1326. Pathetic. Okay, and now checking account. And I don't even have to ask who's because you're a literal child at 31 and it's disgustingly pathetic. You have 131 in your checking account? Yes. You probably bounced at one point, had a payment that failed. What? Well, you see Cheeseburger. What? Burger King, Taco Bell, went outside, got some bullshit. Went some bullshit. Uber, Amazon, Amazon, Sonic. Do you see how you just destroy your body and your life and your finances?

[Angie]

It's me, I have the cards.

[Caleb Hammer]

You see how you just destroy your body, your life and your finances? Shut up, both of you. No, you have a child coming in a couple months. Apple Bell, atm. Who knows where that $100 went? Waterburger, Patreon, off Ancestry. What? You wanted to figure out if you're Asian or not Going out to eat $45 Apple bill stopped in the gas station, got some use gamer subs. It is so much cheaper and it tastes better photo print online what are you doing? Zelin on money atmr240 and who knows where when is I got some use gamer subs. Amazing. Apple Bell, PlayStation I think somewhere in your town. Uberin, Amazon, Donuts, Subway, Patreon, Google, Hulu, Netflix, Subway Premium. This is so ridiculous. Wait, who's bank of America then?

[Jessica]

That's mine.

[Caleb Hammer]

You have two checking accounts?

[Jessica]

No, it's a savings.

[Caleb Hammer]

Oh, our savings that only went down. That's good. Okay, so this kid is going into a savings collapsing household and then our Wells Fargo Savings went from 1,600 to 25.

[Jessica]

Yeah.

[Caleb Hammer]

Oh my. Oh, that's more important than our kid.

[Angie]

He's gonna be taken care of.

[Caleb Hammer]

No, that's not how this works. The World is not just sunshine and rainbows. It's not. I don't want to boomer this, but, like, this is not how this works.

[Angie]

You will be okay.

[Caleb Hammer]

Oh, wonderful. You hear that, kid?

[Angie]

We just took over.

[Caleb Hammer]

No issues.

[Angie]

We just took over.

[Caleb Hammer]

That means nothing. You drained your savings to go on vacation.

[Angie]

That was.

[Jessica]

That wasn't a vacation.

[Angie]

No.

[Caleb Hammer]

What was it?

[Jessica]

We went to Mexico for my mom's last. Last day on Earth.

[Caleb Hammer]

She was in Mexico?

[Jessica]

No, we took her from Texas to Mexico.

[Caleb Hammer]

Okay, well, listen, I can appreciate that

[Jessica]

more because that's what she wanted.

[Caleb Hammer]

Yeah, I can appreciate that much more. I can appreciate you guys make enough money to be able to fund that and so you would immediately, in that circumstance of which I can appreciate immediately replenish savings with the next paycheck is how that works, by the way. So total income, well, it's going to get cut in half, but we'll put a 11,266 for now for the next three months. But your minimum monthly payments, including the mortgage is $2,217.72. That's not you catching up on minimum payments. That's normal minimum payments. What's your gas, electricity, Internet, all that combined all your utilities. How much?

[Jessica]

2, 4, 5. 550

[Caleb Hammer]

gas of. Vroom, vroom. Drive. Drive. Both of you guys combine not work.

[Jessica]

It's gonna be 80 for the month

[Caleb Hammer]

for both of you.

[Jessica]

We work at the same place.

[Caleb Hammer]

Why'd you say that? What the. But yes, but you told me your. Oh, your transportation was that much because you're driving shut. Oh, my goodness. Phone bill. It was in there. It was like.

[Jessica]

No, it's 389.

[Caleb Hammer]

Pay off your phone, switch to helium for 15amonth.

[Angie]

We have a lot of.

[Caleb Hammer]

Yeah, you need to pay off your devices and then do that because it actually has the same coverage as T mobile or very.

[Angie]

Yeah, but we're paying shut and people

[Caleb Hammer]

and get rid of them. Get rid of them. Get them off. You are independent now. Car Insurance, how much?

[Jessica]

350.

[Caleb Hammer]

Okay. Necessary food. I'll do a little more because you're on the road for a little bit of needing to go out and stuff. But 800. You will be meal prepping, mostly coolers. Like you just have to. This is not an option. TP fun. Again, a little elevated because you're on the road. But I'll do 300. That's too much of us. You don't. It is everything else. It is toilet paper. It is toothbrushes, it is tampons. It is Everything. It is. Makeup, it is everything. Okay, fine. 200.

[Jessica]

That's still too much, I think.

[Caleb Hammer]

100 subscript. I doubt it. Guys, shut up. Subscription 75. Medical healthcare. Are there co pays on a monthly basis?

[Jessica]

Yes.

[Caleb Hammer]

How much?

[Jessica]

I know. I still got to pay. 1500 for the.

[Caleb Hammer]

No co pays. Just ongoing. Co pays.

[Jessica]

Yeah. I pay my insurance to the. How much is it? 165 every two weeks.

[Caleb Hammer]

Okay. 3 30.

[Jessica]

Yeah.

[Caleb Hammer]

Is there a gym?

[Jessica]

No.

[Caleb Hammer]

Are there pets?

[Jessica]

Yes.

[Angie]

Yes.

[Caleb Hammer]

You guys are truckers? Why? What do you have?

[Jessica]

A Rottweiler.

[Angie]

He's five and he's so adorable.

[Jessica]

He comes with us on the road.

[Caleb Hammer]

Okay. Pen insurance. 50 bucks. How much for pet food?

[Jessica]

About 50. A week? A month.

[Caleb Hammer]

Anything else that needs to be in this budget that I've not put in

[Jessica]

a little bit more for subscriptions.

[Caleb Hammer]

Go yourself.

[Angie]

And his food.

[Caleb Hammer]

You're cutting a lot.

[Angie]

His food's on a subscription.

[Jessica]

That's what he said.

[Caleb Hammer]

I put that in as a separate line item. You do not understand things.

[Jessica]

She has selective hearing.

[Caleb Hammer]

No, she's actually a. Like, actually. Not as an insult. Like, she's actually stupid. It's kind of alarming.

[Angie]

No, I just don't know nothing about this stuff.

[Caleb Hammer]

Okay. You needed to survive. 309 or. Sorry. 5091. 72. I'll give you 500 in spending. Congratulations. It's going out to eat. Subscriptions, Whatever you want. So let's call it 5600. 5600 to live. Let's call it that. Which when your income cuts in half, is not going to be much less than you have to cut your bullshit spending. But until then, you have an extra. Let's call it 6,000, just to be conservative, left on a monthly basis. Of which. Of that. Of the 141,934. $5,000 of debt minus about 2,000. Let's call it 400 of collections, minus the mortgage of 53,000. 351. Okay, so $86,184 of bad debt. Of the $6,000, if you maintain it, which I would appreciate would take actually 14 months to pay off the debt, then you could get a fully funded emergency fund. So actually I would do that. I would continue these work hours as much as you guys can, even through the birth, as much as you guys can. If obviously do things that you have to do. But of those months that you're able to do the kind of work that you're doing now, if you follow this budget, you can pay off your debt in 14 months. Which set you guys up for a great success. Call it in a year and a half to pay off your bad debt and get a fully funded emergency fund. And then at that point, which is six months of your living expenses. At that point your kids are going to have a great life and you're going to live within your means, which is 50% on needs, 30% on fun, which is a lot of money for you guys. And 20% on savings so you guys can have a retirement so your kid doesn't have to take care of you. What a joke. This is so easy to pay off. You guys make so much money. It's just literal children. It's actually kind of pathetic. Especially with the kid on the way. This is pathetic. The fact that you guys haven't Learned anything until 3132 is very pathetic. Very pathetic. We're going to call this the sister in the post show. We're going to confront her and then yeah, I guess you're getting sued and stuff. Okay, we got to talk about a lot of stuff in the post show. Let's get the Hammer financial score first and financial score spending in a budget. Oh, you ever spent 0 out of 10 debt this collection. 010 emergency fund you drained it to 0. 010 practically retirement. Didn't see anything. 010 real estate not on the title yet. Can I give a score to that? I can. Once you're on title today it has to be a zero but it will andrew behind on the either way it will go up to a 5 or 6 depending where you are on the payment status. Pretty quick. Could be a 7 or 8 if you're actually caught up really well and it has a good I can do position position. Maybe even a nine. But today is zero. Hammer financial score is zero out of ten. Get yours@caleb hammer.com Click that join button. Join Hammer Elite to get three premium shows every single day six days a week. Including an extra 20 minutes of this episode called the Financial Auto post show where we're going to call her sister. I'll see you there.

[Caller/Interjector]

Hello.

[Jessica]

We're talking about you, how you live with us and stuff. I am trying to find a place but I. I have not saved anything yet.

[Angie]

You as a family are planning a huge trip to Disneyland.

[Jessica]

I wanted to have some fun. We were thinking paying us dollars a week. Yeah, think about it.

[Caleb Hammer]

I think she's the most person I've ever met. Don't forget the summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my Budget Friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67 off everything, so don't wait until that first pool party to get financially ripped. Click the link below.

[Caller/Interjector]

Save big.

[Caleb Hammer]

Claim your bonuses now.