This Is Why You Pull Out | Financial Audit

Summary

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Podcast Summary: “This Is Why You Pull Out” – Financial Audit with Caleb Hammer

Date: May 9, 2025
Guest: Maya, 22, New Braunfels, TX

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Episode Overview

This episode of Financial Audit features Maya, a 22-year-old ranch hand and college student from New Braunfels, Texas. Host Caleb Hammer digs into Maya’s finances, habits, personal challenges, and the mindset fueling both her financial struggles and choices. The session becomes a candid, sometimes brutally honest intervention aimed at disrupting Maya’s spendthrift, unfocused lifestyle before she spirals further into debt and academic failure, despite several advantages such as free college tuition.

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Key Discussion Points & Insights

1. Background & Current Situation

• Work: Maya works as a ranch hand in Johnson City, earning $600 weekly (freelance/contract, ~30–70 hours/week).
• Education: She is a junior in online college, majoring in criminal justice. Tuition is covered through Texas foster care programs.
• Income: Gross annual pay is less than $30k. No taxes are withheld automatically; Maya is responsible for setting aside and filing herself.
• Living arrangement: She rents a room from a friend’s family for $400/month, utilities included.

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2. Financial Habits & Mindset

• Spending Pattern:
  • Maya routinely spends $500 to $1,000/month on “experiences”—concerts, clubs, travel, going out to eat and drink, etc.
  • Despite low income, she’s used credit extensively for nonessential purchases.
  • (14:01, 18:12) She takes spontaneous, costly trips multiple times a month to cities like Houston, New Orleans, and Dallas.
• Budgeting/Tracking:
  • She doesn’t actively budget or track expenses, often ignores statements and minimum payments.
• Debt:
  • $34,000 in total non-student loan debt across credit cards, Affirm/StubHub/concert tickets, collections, medical bills, and a financed car.
  • Many accounts are past due; several debts originated from covering expenses for friends or ex-boyfriends.

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3. Education & Life Choices

• Academic Struggles:
  • Maya is at risk of academic probation (18:04) due to recent failing grades and withdrawals (partly for medical reasons—diagnosed with POTS).
  • Admits to prioritizing leisure over school, missing assignments during birthday “celebrations” and trips.
• Lost Focus:
  • Frequent major life changes, jobs, and moves. (07:12) Hammer labels her thinking “life ADHD.”
  • She ascribes risky, impulsive behavior to a fear of missing out from a tough childhood and foster care experience.

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4. Debt Decisions & Relationship Fallout

• Engagement Ring Debacle:
  • Maya financed an engagement ring for a boyfriend notorious for cheating, who then cheated on her—with her best friend—and abandoned payment responsibilities.
  • The ring and other relationship-related purchases (phone, tickets, gifts) ballooned her debt.

  “So you got your own engagement ring financed?” —Caleb (35:01)

  • Maya is stuck with the ring (worth $1,900), receiving lowball offers for resale.
• Patterns of Enabling:
  • She repeated the mistake of putting others’ expenses (storage, phones) on her own credit, now stuck with the bills.
• Reliance on “It’ll Buff” Mentality:
  • Frequently dismisses consequences with lines like “It can be recovered,” and “It could be worse.”

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5. Credit Card & Loan Situation

• Credit Cards:
  • High utilization; most cards are maxed and past due, including Capital One, Credit One, RBFCU.
  • Used for gas, food, outings, and repaying/ex-boyfriend purchases.

  “You allow that to be everything in life. It’s the easiest thing for other people to put their expenses on my stuff and then they don’t pay for it…” —Caleb (62:37)

• Car Loan:
  • $25,000 balance on a 2023 Hyundai Tucson ($616/month), co-signed by her grandfather, with some payment deferrals.

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6. Attitude Towards Money & Change

• Avoidance:
  • Frequently says she doesn’t know her spending or balances; bills are rarely current and often in collections.

  “All my bills are paid.”
  “You don’t get that badge. … You’re a joke financially.” —Caleb (71:12)

• Excuses & Deflection:
  • Justifies excessive spending and lack of saving as “making memories,” or due to past hardships.

  “I’m giving back to the memories that I made when I’m 22.” —Maya (12:05)

• Lack of Ownership:
  • Admits to “giving up” in a sense and being overwhelmed. Only rent is consistently paid, enabled by her low-cost living situation.

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7. Opportunities & The Way Forward

• Job Prospects & Plans:
  • Has been offered roles in corrections (Texas, Florida); hesitates due to fears about the work environment and frequent moves/changing plans.
  • An upcoming $20/hour, 50–80 hour/week job in San Antonio may dramatically improve her cash flow if she follows through.
• Hammer’s Advice:
  • Cease enabling others with her credit.
  • Sell accumulating assets (engagement ring, etc.)—even at a loss—to pay down overdue debt.
  • Radically cut nonessential spending; use budgeting tools rigorously.
  • Break the cycle of avoidance and impulsivity to preserve her one major advantage: free college.

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Notable Quotes & Memorable Moments

• Caleb: “You have $34,000 of bad debt with free school. No. You’re smiling about it.” (26:56)
• Caleb: “You’re destroying your future. The ‘could be worse’ will keep you here forever.”
• Maya: “It can be recovered.”
• Caleb: “You have a lifestyle that you cannot afford and you’re just doing it relentlessly. … What the fuck can I do with you?” (65:44, 66:03)
• Maya: “It's my birthday week, I turned 22, I kind of just took a break from life and avoided all the stress.” (08:52)
• Caleb: “You’re acting like a child. You’re not 22, you’re acting 12.” (20:13)
• Caleb: “If you live through a car accident, does that mean you should have a car accident once a year? I don’t think so.” (19:54)
• Caleb on the engagement ring: “You let a guy that historically and repeatedly cheats have you finance his entire life … why would you allow that piece of shit to finance his life on your financing?” (41:42)
• Maya fessing up: “So I wasn’t honest about one of my credit cards… my mother is homeless in Austin and I was helping her out.” (91:57)

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Important Timestamps

• [03:00] – Maya explains pay structure and work hours
• [04:20] – College plans & ambitions (criminal justice, FBI/forensics)
• [08:52] – Explains birthday “break” and avoiding stress
• [12:05] – Justifying spending with “making memories”
• [15:20] – Admits no idea how much she spent last month
• [18:04] – School at risk: “One class away from probation”
• [26:56] – Revelations on bad debt (27% of income on eating out)
• [35:01] – The failed engagement and why Maya financed the ring
• [41:42] – Discussion of enabling ex-boyfriend financially, recurring pattern
• [65:44] – “Catch all” credit card maxed out for daily living and entertainment
• [71:12] – Caleb’s “joke financially” wake-up call
• [88:44] – Hammer’s budget review: underwater by $222.97/month
• [91:12] – Maya reveals helping her homeless mother via credit card

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Conclusion: Hammer Financial Score

• Caleb gives Maya a 0/10 Hammer Financial Score for spending/budgeting, debt, emergency fund, retirement, and real estate readiness.
• If current patterns continue, bankruptcy is looming, though it wouldn’t even clear much of the debt and would repeat unless behavior changes.
• Some hope remains if Maya locks in a higher-paid job, ceases all nonessential spending, sells off assets, stops enabling others, and relentlessly focuses on school and rebuilding financial discipline.
• Caleb invites Maya (and listeners) to use his budgeting app & classes and proposes a follow-up in the future if she turns things around.

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The episode closes with Maya admitting she’s helping her homeless mother via credit card—a late but revealing insight into her persistent enabling behavior and heavy personal/family load.

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For more, including the post-show roast of Maya’s dating profile and a (planned) confrontation call to her cheating ex, join Hammer Elite for exclusive content.

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Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. But you're given the blessing of a lifetime, and you're it. Like, what are you trying to do with your life? You're just a party person. This is a joke. You're acting like a child. You're not 22. You're acting 12.

[B]

Was at home and his location randomly turned off one day you showed up. Oh, I showed up.

[A]

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description. Description and pin comment below.

[B]

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

[A]

Financial Audit, New Braunfels, Texas, right?

[B]

Yes, sir.

[A]

Perfect. And what do you do for a living?

[B]

So I am currently a ranch hand out in Johnson City. I do anything from herding cattle and to. I'm doing.

[A]

You're full girl.

[B]

Yep.

[A]

But wait, financial what?

[B]

To financial paperwork in the office at.

[A]

The end, you do the financial paperwork.

[B]

I do everything.

[A]

Okay. What are we making doing this?

[B]

Anywhere from 15 to 20.

[A]

Because I've had a horse girl on the show and it did.

[B]

I'm not those weird horse girls, though. Those are like equestrians or like the hobby horse. I don't.

[A]

Do you have a look of a horse girl?

[B]

Hey, I'll take it. But I'm not that.

[A]

Like, the blonde hair horse girl.

[B]

I'll take it. Hey, at least mine isn't dyed, though. Theirs is. Theirs is fate.

[A]

What?

[B]

Just saying horse girls, like the weird equestrians. They're a little. They're a little dyed.

[A]

How much are you making?

[B]

600 a week.

[A]

Okay. What the f. Oh, a week. Okay. Well, a week at least gives us something to play with. In my mind, I heard a month.

[B]

And I was like, oh, no, I wouldn't be able to survive.

[A]

Is that before taxes or after taxes?

[B]

I don't do taxes with them right now.

[A]

Does that mean.

[B]

That is like a freelance gig that I do for the owners there.

[A]

That's not how money works.

[B]

Yeah.

[A]

Did a horse kick you in the head? I'm a little confused.

[B]

You still have to pay taxes, so that is the. Even if you're a contractor I'm talking about is that they do. They do the taxes on their end. And then I'll do an i9. I'll do it i9. I9 for it on my end.

[A]

So you do pay Taxes?

[B]

Yes, I just thought that you meant take it out of the chats that I'd get from them straight off the.

[A]

You put aside some money.

[B]

Yes, we'll try to, but we've seen how that was going.

[A]

Yes, I have seen how that goes. Okay. So, I mean, I don't think your tax bill would be substantially high by any means, but you still might owe something in the end. I mean, you don't have any kids, right?

[B]

No, no kids.

[A]

Okay.

[B]

I'm good.

[A]

So, I mean, there's likely still some tax bills that would be coming, but you're on the lower income scale for sure. So 2400 hits before you put anything anywhere.

[B]

Yeah.

[A]

Many hours a week are you working.

[B]

Anywhere from 30 to 70. Just depends on what we're doing.

[A]

Okay, then can get a different job if that's. If our gross pay. Gross. Not even net gross pay is less than 30,000 hours a year. Run, hop on a horse, Jump the fence. Run.

[B]

I. I got. Got different jobs doing this. It's only about, like, a month.

[A]

What were you doing before?

[B]

I was a carpenter in Dripping Springs at a shop at a private ranch, and I ended up almost cutting the top of my finger off with a table saw.

[A]

Go be a different carpenter then. Instead of working at a private ranch. Why don't you just go have a normal job instead of working for different ranches?

[B]

Normal jobs are boring.

[A]

Normal jobs pay the bills.

[B]

They do. Yes. They were paying the bills as well when I was there. So it's just.

[A]

What are you making?

[B]

I was making the. About the same that I'm making at the ranch now.

[A]

What the. Okay, 22. Could be a year of. We might be in college, might be taking a break from college, might be serving in the military. Do we have anything going for you or.

[B]

I am in college right now. I'm a junior in college in Beaumont. I go fully online. Yeah, I just moved from Beaumont. Bad ideas. I know.

[A]

I don't know, but I was gonna say it's a long commute. Okay.

[B]

I go fully online so I don't have to drive down there.

[A]

Yeah. What are you studying?

[B]

Criminal justice.

[A]

Okay. I mean, that can definitely be a play. What are you trying to do afterwards?

[B]

I'm trying to do FBI forensics side of things, so. Okay.

[A]

Okay. Now, I don't know, like, the acceptance rate into Quantico.

[B]

Yeah, no, it's definitely very low. I definitely have to push my standards.

[A]

Well, do you have alternatives?

[B]

Corrections. I've been looking into corrections in Austin and San Antonio. Trying to really pay that well, no, it doesn't. But it definitely pays more than I want to make it now.

[A]

And you want to do corrections like being in the jail?

[B]

Yes.

[A]

We've had some people tell some wild correction stories on this show. I think it was a member exclusive audit. Someone who was in and out of prison like crazy. The. Lots of bad things with the lady guards. I'll be honest. Unless. Are you going to be in a ladies prison?

[B]

I don't know yet. Whatever.

[A]

Whatever they do, it was quite bad on the other side in the. In the state. Ran, local ran.

[B]

Yeah, that. That's a given though. Especially if you're going to be a girl in any. Any fields like that or blue collar. There's always going to be.

[A]

Well, he said it was good in federal, but.

[B]

Yeah, federal. But you also have to work your way up to it. That's for sure.

[A]

Work your way up to federal. So everyone starts in the bull. Okay.

[B]

Just like you start out playing.

[A]

Yes, but if you don't get that we're just making.

[B]

No, not necessarily. No. There's. There's always other alternatives. That's just my biggest. Hey, I gotta go this and I want it. So I'm gonna try and make it. Life's just had other plans and that's been my own fault.

[A]

Okay. What are the life. Other plans? What's been your fault? What's that? What are we talking about? What's going on?

[B]

Anywhere from moving out of state almost to almost dropping. Oh, yeah. No, I didn't. But constantly moving or things like that or different jobs every other six months or so or.

[A]

Well, why. Why are we leaving and going to different jobs all the time? The. The. The safety of the finger thing. I get that.

[B]

Yeah, definitely.

[A]

Why are we leaving Jobs every single hour.

[B]

I've chosen the not so good jobs.

[A]

That's some Beaumont. I like that laugh.

[B]

Beaumont especially. I've done anywhere from plants that weren't the best. I've done heavy diamond operation. I was a process operator in the plants.

[A]

I'm sure you've done siblings as well. Okay, so were just jumping from everywhere but no actual focus.

[B]

Yeah.

[A]

Junior in college. 22, that is. Everyone can do it at their own pace on timeline, but that is typically older for junior.

[B]

Yes. So I skipped a year after high school because I was supposed to go military and ended up not doing military because I didn't want to be active duty. Bad choice on that part.

[A]

Okay. It was it.

[B]

I think so I should have done it.

[A]

But the when you can or can't. I don't know, I only want people to serve who want to serve because then they're gonna go kick ass.

[B]

Yeah, people don't want to.

[A]

They're just going to be not the people you want on the front lines, I assume.

[B]

Yeah, you're not wrong about that one.

[A]

So. Okay.

[B]

But yeah, no, it's just a matter of I've done some stupid things and I've. It's a fear of missing out is kind of why I did it.

[A]

Okay. My. My fear. As we go into this conversation, as we think about the finances, my fear is it is clear from the life you're living that you are not someone who can focus on something who you are. Life adhd.

[B]

Yep.

[A]

That is not adhd, but life adhd, you don't stay. I'm surprised you've bet you've made it to your third year of college with how quickly you've changed things apparently. Did you go in for criminal justice? Have we changed?

[B]

Yeah, no, I actually went in for criminal justice. I did. I actually.

[A]

Paying for school. How are you paying for. Like, how are you working 70 hours a week while doing school?

[B]

I actually was in foster care, so that is paying for my school, thankfully, through the state of Texas.

[A]

Okay.

[B]

So I don't have to worry about student loans or anything like that. But I'm definitely. These past two semesters, I have not been the greatest in. So I'm not doing the best on that either.

[A]

Hold on. The past two semesters is half the time you've been in college. What do you mean you're not.

[B]

Well, semesters. I'm talking about like the past. Like we have eight week intervals with my school. So there's been this semester and then last semester.

[A]

Haven't you? Only if you're going into junior year. Or are you in junior year?

[B]

I'm in junior year.

[A]

Haven't you. Aren't you in your fifth semester then?

[B]

Math, maybe? Yes. No, sixth.

[A]

Okay, so a third of school. You.

[B]

Yeah.

[A]

What do you mean? It's struggling. What's happening?

[B]

Just me. I'm doing it to myself. We're definitely so. But I. I moved.

[A]

No, tell me what's actually happening.

[B]

I. It's my birthday week. I turned 22. I kind of just took a break from life and avoided all the stress and.

[A]

Oh, our civilization's done.

[B]

Yeah. No, I went to New Orleans and everything else for my birthday and I show.

[A]

This means your money's not going well. Listen, you got the free college thing and I'm happy to get that. It's because you went through foster. It's not like you were just giving it for no reason. So there's a good reason. You have it. Okay. We can take advantage of that. Taking advantage of that is actually getting a step ahead of everyone else that you're competing with in the marketplace of life. In the marketplace of. Of getting a house at some point. In the marketplace of actually getting a better car, whatever it might be. Retirement.

[B]

Yeah, retirement. You're not retirement.

[A]

You have that step ahead because the rest of us, we have to pay for school. And it's a fair reason why you're not. However, you're using that as an opportunity to support the week. New Orleans, like, that's not.

[B]

It's a matter of I didn't do anything growing up, so now I'm using my adulthood to do that. And it's just college. Yeah, I am.

[A]

That's not the go do stuff time. That's when you. You're College. Have fun in college. Yes, but typically, when we don't have the strongest income isn't when we're going and exploring the world. That is the. When we have a career, an emergency fund, retirement, setting the goals we're hitting the savings goals we want to get. Maybe we're getting a house.

[B]

Whatever it is, you can do both. It's. It's a good little balance of things. Definitely.

[A]

We can balance things. But if you're on the show, you haven't balanced things.

[B]

That's why I'm here.

[A]

That's why we're seeing.

[B]

We're seeing to see if it'll. It'll fit your. It's.

[A]

That sounds not a answer. I know why you're here. It's because your finances are dumb. That's why everyone's here. We get it, okay? But I'm asking you questions about what landed us here in the first place. That's not a. That's why I'm here.

[B]

It's. It's the fear of missing out from whatever I didn't do. So now it's like, hey, I can.

[A]

Do whatever I've already missed out. How can you be afraid of something that already happened? What are you talking about?

[B]

Well, if the things happen, then I can't do them.

[A]

So what's happening? What happened to New Orleans? That's not happening.

[B]

I went to a New Orleans Wyatt Flores concert with my best friend Kate.

[A]

No one knows what that is. So.

[B]

It's a country artist. He's an up and coming country artist. He's pretty good. It's not bad.

[A]

I liked it up and Coming. Maybe wait until he comes, and then you can go. And then it's a bigger concert.

[B]

Well, now it's cheaper instead of waiting till then. So it kind of gives me the, hey, it's cheaper now, so why not do it?

[A]

Okay. Because you don't have money would be the answer.

[B]

Yeah, that'll be all right, though. Money. Money comes back.

[A]

Then the. That's why I'm here is bull. With that mindset.

[B]

Yeah, we went to Houston, though, with that.

[A]

With that mindset. It's bullsh. Give a. About Houston. With that mindset. It's bullsh. The. That's why I'm here. Not if the money goes and comes back. Then. Then. Then the that's why you're here doesn't get you anywhere. I can't do anything if to you money is just gone and comes back. A natural flow, by the way, is not how it works. You have to work and go get the money, and you can choose not to spend the money. It is not a natural flow. It's not a universal element. That is not what is happening. You are not giving back to the earth.

[B]

Definitely not. I'm definitely giving back to the memories that I made when I'm 22. And it.

[A]

Yeah, but you have a statistical long life. And what about the vast majority, vast majority of your life where you can have more memories because you're actually able to afford them instead of the rest of your life right now? Well, that.

[B]

What makes it better, too, is the fact that it's like, hey, I can try and do these things, and they're cheaper now instead of then. So where are you looking?

[A]

I don't know.

[B]

We're figuring that out.

[A]

I don't think we are. The producers aren't. To everyone else who's been watching this show, they know the producers are back there. We move studios. They're not back there anymore. Yeah, I don't know where you're looking. It's a corner.

[B]

Hey, it's a pretty, pretty, pretty corner. It'll buff.

[A]

Is there a ghost back there?

[B]

Maybe. We never know. It's Austin.

[A]

The ghosts of your mysterious parents.

[B]

Yeah, that too.

[A]

Okay. Okay. So, I mean, how much are we spending on these memories, these experiences, these concerts, these clubs?

[B]

Probably anywhere from starting 500 up to a thousand, depending on if I do merch or gas or tickets.

[A]

Merch or gas? How are you not doing gas? You're always doing gas.

[B]

Gas. Gas is given, but then it's merch and drinks and going out after the concert, Ubers, things like that.

[A]

How Often.

[B]

Probably twice, three times a month.

[A]

Oh, that can't be possible. Mathematically, that can't be possible. What the Are you talking about? Where.

[B]

I did, Santa. I've done San Antonio, Houston, New Orleans, and Palestine all this past three weeks.

[A]

I don't know where that is.

[B]

Palestine's up by, like, Dallas area.

[A]

Okay, so you're not going cross state. I mean, New Orleans. I mean, you're. It's. It's pretty close by to where you are, but. Well, not anymore. When did you move to New Braunfels?

[B]

February 1st.

[A]

By Austin, by the way. It's like an hour south, which is not near New Orleans. Okay.

[B]

No, not at all.

[A]

Well, you're not still going, are you?

[B]

May or may not.

[A]

Birthday week thing. You're treating every month like it's a birthday month.

[B]

Just about sounds like it. Yeah, I do. Why not? I'm 22. And it's. It's.

[A]

Why not? Because you don't have money is why not. What the are you talking about? Why not? That. I mean, that's the answer.

[B]

Credit cards, things like that. I can.

[A]

Hey, if credit cards is why not.

[B]

If I use it now, I can.

[A]

When you talk about spending money on gas, is it the gas that you're huffing? What are you talking about?

[B]

No gas Light for my car with how much I drive light to all these different places.

[A]

And you warm up the car in the garage with the door shut before you leave.

[B]

No, I don't even keep my car in a garage.

[A]

Okay, we know 2004 comes in. What went out last month? Spent. And that includes debt going up as well, because that's obviously what you have to spend on.

[B]

I don't even know what went out if we're being honest.

[A]

You're interesting to observe. Now we're tasting the corner of our mouth. Okay. I'm just. Okay. Okay. What an interesting show. Oh, yeah. What do you think you spent. Okay, you're still doing it.

[B]

Hey, I got fake teeth. They're. They're. They're. I can play with them. I have 22.

[A]

Why?

[B]

I chipped my teeth when I was in eighth grade, and so I have crowns now for them. That's also another thing. Soccer practice.

[A]

Okay. Okay.

[B]

So it wasn't too bad, and it could have been worse.

[A]

And it didn't come with a brain injury. Maybe. Okay, what do you spent last month for?

[B]

Being honest. I never paid attention.

[A]

Of course not. What do you think you spent last month? Just, like, put yourself back there, Walk. Your shoes, boots that you're booting in probably 3,000. Okay, 4,000.

[B]

Oh, yeah, no, that's a given. I was going out almost every day outside of work.

[A]

Going out doing what?

[B]

Dance halls, drinking, going to the beach, hanging out with friends.

[A]

Beach? You're in New Braunfels four days.

[B]

Only a two and a half hour drive.

[A]

How are you doing this if you're work? Well, I'm not shocked that school is suffering. Are we shocked? We're putting in what you said, almost 70 hours a week.

[B]

Sometimes, yeah.

[A]

70 hours a week and yet still making less than $30,000 a year. Yeah. I get a different job. But not only that. Then you have school and you're taking two and a half hour trips to the beach and going out and getting up every night.

[B]

Yeah.

[A]

Yeah. Know that you're wasting your free school. This free school thing, how long does it go? Is it forever?

[B]

Can you do as much as forever? As long as it is a Texas nonprofit, nonprofit institution. So if it's.

[A]

Even if you're failing forever.

[B]

Well, no, no.

[A]

Or if it takes you eight years to do undergrad while you're going full time. The entire eight years.

[B]

No, it definitely doesn't.

[A]

Exactly. So tell me what the cap is.

[B]

The cap? It. As soon as you fail class. I think you did on probation for like a year or so with.

[A]

How close are we to failing? Based on the last two semesters, I.

[B]

Think I have two of them are medically recovered, so I got a W on my transcript instead of an F. Medically recovered? Yes.

[A]

Well, what happened?

[B]

I was diagnosed with pots. And that's.

[A]

I know that word. I don't.

[B]

Wait, that's like automatic orthostatic tachycardia syndrome. So anything that I do standing up, sitting down, my blood pressure rises, my heart rate drops and I faint.

[A]

Anything you do standing up or sitting down, that means existing.

[B]

Yeah, just about. That's kind of why I.

[A]

Okay, what about school? Outside of the POTS School.

[B]

The rest, we're very. We're one class away from probation, free.

[A]

So we're talking like D, C, C, D, C, Cs.

[B]

Ds.

[A]

Are you kidding me? You're giving the blessing of a lifetime for a situation that sucked? Don't get me wrong. But. But you're given the blessing of a lifetime. Lifetime. And you're it.

[B]

Just a little bit. I have to take advantage of it.

[A]

No, you're on the edge and yet you're going and getting up every. What, What. What is your lifestyle? What are you trying to do? Like, what are you trying to do with your life? You're just a party person.

[B]

Yeah.

[A]

Just forever.

[B]

No, not necessarily. It's just what I.

[A]

Is this what your friends do? Is this what? Like, is this just what you do? Like what?

[B]

Oh, it's, it's, it's. It's what my friends do. But it's also what I'm doing right now.

[A]

New friend group. It's okay to have fun. I'm not saying don't have fun, but if it is at every night occurrence and we're going to a two and a half hour beach away constantly whilst also trying to work and do full time school and we're gonna lose our free college. You're. You're it. You're ruining the whole thing. You're smiling.

[B]

Yeah, just a little bit.

[A]

What?

[B]

It's just I've. I've. I've done it and I've recovered from it. So why not do it again?

[A]

What? Recovered from what? You are borderline failing right now. You haven't recovered from a single thing. What are you talking about? You've recovered from broken teeth. That's it.

[B]

I've. I've done this freshman year, so it isn't the first time. I've.

[A]

No. You said the last two semesters with the struggle.

[B]

Yeah, that definitely. But I've also done it before in freshman year and came back from that and then I went right back down the rabbit hole of it.

[A]

That means it's a recurring thing. That makes it worse. That means you've only been okay for one year out of the three you're doing so far.

[B]

And it can be recovered.

[A]

It can be recovered or it can go worse. Just because you recovered once doesn't mean you can recover again.

[B]

Yeah, you're, you're not.

[A]

If you live in a car accident, does that mean you should go have a car accident once a year? I don't think so. At one point you're going to die or at least face something critical.

[B]

But you're going to give me a plot. There's not a timeline to it. Some people take a little bit longer with things and that's okay.

[A]

Longer is okay. Longer is okay. You're on the borderline of failing, which is going to get you on probation, which then go through that next step. You're going to be done also that you can go line dancing or go to the beach. This is a joke. You're acting like a child. You're not 22, you're acting 12.

[B]

I'd rather memories at some points, but.

[A]

Yeah, you're blacked out. There is no memories. There they don't exist.

[B]

If you drink in moderation, then you don't get blacked out.

[A]

Memories are good. There is a lot of life to live. Don't. All future memories for the sake of a couple years of memories.

[B]

Yeah, I can give you that. Yeah, you're not wrong.

[A]

Good. Oh my gosh. Something actually made it through. Oh my gosh.

[B]

That's a given.

[A]

It's a given. Is that your catchphrase?

[B]

Yeah, at some points in time it's a given.

[A]

That's your catchphrase.

[B]

More of the avoid all of life and go do everything else that doesn't deal with the responsibilities.

[A]

Then what the are we doing? Because I'm not like you. Don't walk away from anything from the show. That's an instruction. That is not responsibilities.

[B]

Yeah, I. Hey, I'm trying. I have. I'm on the wait list.

[A]

Wait list for what?

[B]

For opportunities for jobs and things like that.

[A]

You're on the waitlist for failing. Have you seen me roasting people's terrible credit card choices? But how about we flip the script? Introducing the Caleb Hammer Credit Card finder. Now on Agent AI, it's like having me in your pocket. Minus the sarcastic comments, it's super simple. Answer 15 quick questions and you'll instantly get matched with a credit card that actually fits your spending habits. No more guessing games, no more endless Google or YouTube rabbit holes. Just smart recommendations that you can trust. We designed this tool on HNAI to help save you from hours of research and even worse, from ending up with a credit card that's as useful as a screen door on a submarine. And now that you can confidently pick a card that actually boosts your finances, rewards your spending and matches your lifestyle and credit cards are just the start. Agent AI has tons more helpful agents ready to tackle your everyday problems. Need YouTube video summarized. We've got an agent for that. Want fresh ideas for content creation? There's an agent for that as well. From website design graders to productivity boosters, if you've got a problem, you, Agent AI probably has an AI powered solution waiting for you. So if you're tired of wasting your time and ready for a credit card that makes sense, take the Caleb Hammer credit card finder quiz. Simply register on Agent AI. It's quick, easy and totally free. It's like having me personally vet your next credit card, but nicer. And that's it. Say goodbye to guessing and say hello to smarter credit choices. Visit Agent AI or click the link below and let me know what card you land on. You're on the wait list for failing. You're on the waitlist for losing your free college. That's the waitlist. You're on waitlist for new jobs. We're all on waitlist for new jobs.

[B]

Yeah, you're not wrong. It's. It's. There's new opportunities for more money that I can finally. Maybe. That you don't have My.

[A]

That you don't have.

[B]

Start paying.

[A]

That you don't have. You're not working them.

[B]

Yeah, I am. I'm at the ranch.

[A]

The ranch that you work 70 hours a week to make $30,000 a year? Less. Less than that. Gross.

[B]

I'm working. I haven't given up on it. I'm still giving up on. I'm still bringing in money.

[A]

You are bringing in money. I will give you that. But then you blow it all. No, you. Your bills are just you destroying all.

[B]

Well, I have rent and things like that and my phone bill and everything else.

[A]

So you spend $4,000 in a month. It was 3,900, but you bring in four or $2,400. Okay. Where does your money go?

[B]

Anything, Anywhere. Food, going out, drinks, friends. I do pay bills. Paying off, trying to pay off debt, but that apparently it's not doing even that.

[A]

You spend 27% of your income on just going out to eat.

[B]

Sounds about right.

[A]

You're okay with that?

[B]

You accept that it's easier if I'm out. If I don't eat, then it's just going to make more problems later on. So I'd rather just get food then than wait till I get home.

[A]

Yeah, maybe you can excuse that two times. And then you realize that. So make sure you have food before you get into that situation. All right? You're not like an actual. You have the capability of making choices. Choices.

[B]

Yeah. Choices are. I'd rather eat and not wait till I get home. And then it's before.

[A]

Eat. Before you.

[B]

Well, not. Not if I stay at the ranch for a week. Then it's just, hey, for a week, pack food. Yeah. But then I'm out on the truck the entire day, so then it's with.

[A]

A cooler with a thermos with a.

[B]

Lot of burger than it is to.

[A]

While you're on the trailer.

[B]

On the truck.

[A]

On the truck.

[B]

Water burger. You can. In Texas, you can pull a trailer anywhere. It's not that bad.

[A]

Okay, so you're going off the ranch to get lunch.

[B]

Yeah.

[A]

Then you can go back to the ranch house where your food is. If you packed it. Like a responsible human. You listen if we're in debt, if we're about to fail school and we just go out every night and we're blowing and we're just getting it all. And who even knows what blowing even means in your context? It could be up the nose. It could be. Who even knows? Just seems like an absolute mess.

[B]

It's just. Just probably alcohol and going out to eat and everything else. So.

[A]

Huh? Hey.

[B]

I'm. It's life. It can. It can. It'll.

[A]

It'll.

[B]

It'll buff. It's the.

[A]

No, no. It only buffs with you choosing to buff. Doesn't buff without you actually doing the buff. You have to be the one buffing. It doesn't nothing. Cars don't just get buffed. You have to buff.

[B]

I'm trying. No you're not.

[A]

You're spending almost 30% on just going out to eat. If you have bad debt. By the way, $34,000, none of it being student loan debt. It's all bad debt. There's nothing that's even remotely considered good. $34,000 of bad debt while we're in school, while school is free, while we work 70 hours a week. 34,000 hours of bat debt is a disaster. Disaster. And then you think you can spend 30% of your income on f food when you have $34,000 of debt with free school. No. You're smiling about it.

[B]

If I'm taken care of and I get to go home.

[A]

You're not taking care of it.

[B]

Take care of like food and I eat.

[A]

You're not. You're going in a deeper hole. You're making sure you're not taken care of very soon. I've seen what it looks like on the other side. Many people that come on the show where I tell them it takes multiple decades to pay off their debt and it's better to go through multiple rounds of bankruptcy for them. And yeah. That's where you are headed. You're in the position where you might actually have the ability to turn it around.

[B]

Yeah. That's what we're hoping for. That's what I'm trying to find. That's what we're hoping for. Snap out of it. I guess in some sense. Shape or form.

[A]

When was your first job?

[B]

When I was 14. Right here in Austin at Marvel's lab in the mall.

[A]

So you've just been working odd jobs forever?

[B]

Yeah.

[A]

Like the minimum wage jobs forever. Basically.

[B]

Besides the plants and the other equipment operations.

[A]

Why aren't we doing that again then?

[B]

That's when the pots got Bad. And so I had to step back from that for a little bit.

[A]

So the pots okay now?

[B]

Yeah.

[A]

So go back, right?

[B]

Yeah.

[A]

You have the experience on your resume.

[B]

Well, New Braunfels doesn't have that many plants and objects.

[A]

Move to a place that has things that exist. You move to a small town like a dump.

[B]

Yeah, you're not wrong about that one. It was the quickest. It was the quickest option though. I moved in with my first job.

[A]

Quickest option to move to a place without job opportunities.

[B]

Well, I moved in with my friend and her mom and it was an easy get out for.

[A]

You still work with them, live with them.

[B]

Yeah, I still live with them.

[A]

Then that's another thing. Your rent must be small. Meaning the fact that you are still in this debt and spending almost double what you make is even more of ridiculous and unacceptable.

[B]

Well, there is opportunities. I was thinking about moving to Florida or Alabama because I got a job. I got credit corrections facilities for the FDC or I got Marina jobs. Marina will start me out. Florida Department of Corrections.

[A]

Okay. Yeah, you could do that.

[B]

So it's.

[A]

Again, I really don't. I just hear. Oh listen, listen. I'm very much on the outside and only. I only have stories from people that have been in prison on this show. Again, I think it was a membership video. But I don't hear good things about. You know.

[B]

You don't hear good things about a lot of things though especially.

[A]

I know, but do I want to put you in a situation with that? Like a lot of like, like sexual.

[B]

Oh yeah, no, that's a given. But also that'll happen. You're okay with that? FBI or military?

[A]

No.

[B]

Anything?

[A]

No, no.

[B]

Not saying I'm okay with any of that happening. I think it's going to be.

[A]

I think it's less likely to happen in the FBI versus in prison if it pays bills.

[B]

And then you can. No, no side. And we do not vary that.

[A]

No, we do not accept harassment or even worse assault if bills are being paid.

[B]

Well, harassment in my, in my job for blue collar and everything with plants, that has been like a normal thing.

[A]

It is that harassment that is different than what we are talking about. What we are talking about in prison where there are like actual assaults.

[B]

Well, there's compositions and corrections that you refer to that.

[A]

But what are you doing? Are you choosing them? What were you offered in Florida that you.

[B]

I was offered. I was offered the Department of Corrections that would be in a secured room the entire time watching cameras, things like that from breakouts.

[A]

Well, I'M okay with that.

[B]

That's start 22, 23 an hour or a deckhand.

[A]

And that was offered to you?

[B]

Yes, that was offered.

[A]

And you denied it?

[B]

No, I didn't deny it. I'm just trying.

[A]

When was it offered to you?

[B]

A week ago. I'm trying to see if there's like relocation assistance or something to help me out. With me just moving over here, I'd be moving straight back to Florida. Straight that way to Florida, not back.

[A]

Okay, so what are you choosing? What are you. What's the. What's the question right now? I mean you're in school. Can you do that?

[B]

Yeah, I can. It's. It's only Texas schools.

[A]

Can you be in.

[B]

Yeah, no, it only. It only it has to stay attention school it can't go out of.

[A]

But can you do that while you're out of state? You confirm this?

[B]

Yes.

[A]

47 in a 2023 report by the Department of Justice Office of the Inspector General Fund that 40% of female correctional officers have reported instances of sexual assault or harassment. 50. I don't want to give you 5050 odds. And that's. That's even a thing. And you shouldn't have to turn down a job because of a statistic. You know, it should be correct. The statistic, not the correct. What job you go get.

[B]

Yeah, but I'm just a little nervous and everything. So it's more so you're dealing with the criminals that do it outside of there. So then it's a given what you're walking into. That's why you have to have so many forms and you have to write your will and everything else just in case anything goes wrong with it. Listen, it's your choice but with that one. There's that or there's I can move to Alabama for marine hand, but it's just a matter of a deckhand for marinas like working on all the yachts and the bid.

[A]

Why are we jobs cross country instead of just like near you? Like what are we trying to.

[B]

My brain's just looking at as a new start maybe snap out of what I've been doing.

[A]

Okay. Yeah, decant. But deckhand isn't even what you were. That's the career field that we're looking for. So why are we applying to deckhand in Alabama?

[B]

It was higher than the corrections. So it's kind of just income wise. Yeah, kind of.

[A]

Is it in a high cost of living area though? I mean if it's on the coast.

[B]

It'S on Gulf shore.

[A]

Well, there you go. So, like that off. Like, you could get a higher paid job in Austin than you're getting paid in New Braunfels, but Austin's gonna be more expensive. It's like I. Okay, where do you think your finances are? 0 to 10, 0 being the worst, 10 being the best.

[B]

I'm gonna give myself like a four, but that's being gracious.

[A]

You don't know what numbers are. I don't know yet.

[B]

Yeah, No, I was never.

[A]

Good guys, if you want your hammer Financial score, see where you are in the world of finances. Take the [e-mail] or go to the link in the description below. And just like this guest who is not allowed to leave until she downloads the budgeting app. Make sure you go and download my budgeting app again. Links are down below. Anyone that signs up for the annual version gets a physical version of my cookbook and our journal signed directly by me mailed to your doorstep. So you get the premium version forever. Okay.

[B]

Oh, perfect.

[A]

Take advantage of the community. All the tools, all the automatic connections, everything. Don't. Don't around. You're. You're given every resource, every resource. If you don't. If you don't fix it from here, it is literally your choice. Unless just things outside of life, you know, things in life that sometimes just randomly happen, just endlessly happens to you for some reason. I don't know.

[B]

Yeah.

[A]

What's this? First thing I'm even looking at.

[B]

Those are my affirmed statements.

[A]

Great. We're affirming everything. And we know you have discipline and don't move on quick to other activities. This is a fun one. I get to get you free money, and then I get. I get to get myself free money. It's a pure win. Win for both of us. What do you have to do? Sign up for a SOFI High Yield Savings account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. Okay. What are you affirming?

[B]

What do you even owe? You owe concert tickets. There is an engagement ring on there.

[A]

There is a What the is the engagement ring. What the are we talking about here? What the are you talking about? Are you engaged?

[B]

No. It ended up being a failed never happened engagement with Annette's boyfriend before I moved back here.

[A]

Why were you financing it?

[B]

So it was either his credit that he'd have to pay half, half and then half, or it was my credit that we could do a payment plan and pay it out on time.

[A]

When was this?

[B]

October of last year.

[A]

October. Six months ago. You got broke off engagement Six months ago?

[B]

I got cheated on. So it wasn't me breaking off the engagement, but then I got stuck with the payments for it.

[A]

So you got your own engagement ring financed?

[B]

Yes.

[A]

And then you found out he was cheating on you. Yes. Oh, good. How did you find out?

[B]

I had. He. He was on a traveling lineman crew, and that is like the biggest red flag of them all. I know.

[A]

Well, that's his job.

[B]

And then I was at home and his location randomly turned off one day and I was like, oh, well, that's a little weird. And I normally have it. And his find my iPhone was still on, so I checked that and he was out eating dinner with someone and I was like, all right, cool.

[A]

Gave him a call with his crew is what I would have assumed.

[B]

That's what I was hopefully assuming. But he had a past history with his ex girlfriends of cheating and I.

[A]

Are you kidding me? You're getting engaged with someone who has a past history of cheating?

[B]

Yeah. And so I. I believe people can.

[A]

Make mistakes in life and change their life around. I believe that. Listen, this. We. We live in the real world, right? Like the Internet. They assume if someone did something bad at 18, they're an evil person for the rest of their life. Like they don't live in real life. We do. I think people can change. But if someone has a repeated history of cheating throughout every relationship they've been in, maybe that's not who we're choosing to get engaged with. It's not your fault he cheated. But come on. But come on. I mean, that's like. We go. Let's be real about it as well.

[B]

I realized I had his social media login and so I logged into his Snapchat and found out that my best friend from Louisiana. Was at the top of his Snapchat and her location was on. And they were at the same hotel with pictures of them. Yeah.

[A]

And you know, they were together. Together. How'd you find that out?

[B]

From the photos that were saved in their chats.

[A]

And so boobies and booties.

[B]

Yep, all. All of it. All you. You can imagine. And I ended up three hours away within probably 45 minutes. And I'd Grabbed. Yeah. Oh, I showed up.

[A]

What happened?

[B]

I was sitting outside the hotel. I had texted him and I was like, hey, I want all my back because this is not a thing that's going on anymore. And he sent his buddy out that worked with him with his little girlfriend and was like, hey, here's your stuff, yada, yada, yada. And then I was like, well, I still want everything else that he has and I want the phone that I paid for and everything else. And so I was there for about three hours until the hotel manager. Until they told the hotel manager to call the police, but then blamed it on me. And then the hotel manager tried to get me harassment charges for something I never did. And so I got back home at about 2, 3am.

[A]

So charges were never pressed, though.

[B]

Yeah.

[A]

And you broke up immediately?

[B]

Yes. And that's within the month.

[A]

How long were you guys together?

[B]

A year and a half.

[A]

Okay, that's a quick engagement.

[B]

Just a little bit, I think.

[A]

And he cheated on every ex?

[B]

Yes.

[A]

And you knew that?

[B]

Yes.

[A]

How many exes did he cheat on? How many exes did he cheat on?

[B]

I think three.

[A]

And you. And. Okay, okay, okay. And you still owe on your wedding ring because you financed your own wedding ring?

[B]

Yes, I. I still owe. I think so.

[A]

It's concert tickets in your own. Why won't he should pay for it?

[B]

Oh, no, I've tried. He's. He's doing his own little thing and he refuses to. So we're looking. I've tried. I've tried being adult and it's just going south because he is also a year younger than me, so that should have been.

[A]

Can I call him in the post show? Yeah, I'm gonna call him in the post show and I'm gonna confront him from my own number. So he won't even see it coming. Yeah, that'll be fun. Because.

[B]

Because he told me. He told me before I moved because I was. I had a house down there and everything that I was renting and he told you. He told me that he was going to pay off the engagement ring.

[A]

He said that?

[B]

Yes, he told me that he was going to pay off the engagement.

[A]

What's your guys's communication since the breakup?

[B]

Horrible. Because of him. I've tried and it's just.

[A]

He avoids.

[B]

Yeah, he avoids everything. And.

[A]

Well, listen, honestly, it was dumb for you to take this out.

[B]

Yeah, definitely.

[A]

It shouldn't have been you. I mean. Okay, but then what is this? If they're all overdue, lady, you owe 1,458, 030% overdue. Why are they overdue? It's because you go on and spend it all boozing. Oh, you got cheated on so you have to go get dicked down every night. Listen, that's a. What are we doing?

[B]

It was also avoiding it because it was. I wasn't the one supposed to be paying it, so I.

[A]

You weren't. But it's on your credit. You're yourself. You're your future self. That sucks. I'm empathetic to it, but this was a choice you made, and this is the learning from the dumb. But don't destroy your credit and ability to get a mortgage or whatever it is you want to do. Do you still have the ring?

[B]

Yeah, it's still in my.

[A]

Sell it. Sell it and just pay this off. How much is the ring?

[B]

1900.

[A]

If you looked at a. Selling it.

[B]

Yeah, and it. It. I. I was looking for a little bit more, but then he also.

[A]

What if people offered.

[B]

Sit. 700?

[A]

Dude, I don't care. Just take it.

[B]

Yeah, take it.

[A]

Take it. That pays off half this debt. You're not paying this on time, on purpose.

[B]

Yeah, I wasn't paying the rain. The. The other. Yeah, the other one. That was.

[A]

It's $182 a month, it looks like.

[B]

Yes.

[A]

Again, how many payments are we behind? Because I see only three. Well, I see StubHub as well. StubHub isn't the wedding ring. Hey, StubHub is in the wedding ring, so. That is a bull. That is what you. Hey. What you just said was not just a wedding ring. It's not just a wedding ring because, Ooh, we got cheated on.

[B]

And.

[A]

Yes, that sucks. But the. The concert. You're not paying for the concert. You're not paying for the concert. You're not paying for the concert.

[B]

Yeah, and that's a concert that already happened, so that makes it. Yeah.

[A]

Yes. That's what a firm is.

[B]

Yeah, but then there. There's also his phone. That is still on my account.

[A]

That is still. Don't you dare. Why would his. Why would his phone be on your credit? You let a guy that historically and repeatedly cheats have you financed his entire life and responsibilities, and then he sticks it in someone else, let alone your best friend and surprised that you have to take care of these bills. Come on. Why would you allow that piece of shit to finance his life on your financing?

[B]

Yeah, I'm still paying the phone bill since, like, December of last year.

[A]

What? December.

[B]

Yeah.

[A]

Of last year. 24.

[B]

Yeah, 24. I've been.

[A]

Why did you have.

[B]

Since then?

[A]

Why'd you have it? Because that was two months.

[B]

We are on the same phone plan since June, and so we got him a new phone and cancel it. I can't because he still owes on it. And I've tried pausing it, I've tried selling. I can't sell the phone because it has an activation lock from AT&T. I tried transferring the service. I'm telling you. Yeah, it's in my drawer at home. But I can't sell it until he agreed. He already agreed to pay it off. I have proof of him agreeing to pay off everything. He's been avoiding it.

[A]

Yeah, but with the proof, you can't take it to them.

[B]

Who? At and T?

[A]

Yeah.

[B]

No, they. Unless he signs. Unless he signs that he wants to finance. Unless he transfers service, then it's. It's. It's pointless on their end. So that's like an extra like 200 every month with my phone on top.

[A]

Are you at least taking a pause and in your dating?

[B]

Yeah. No, I've been completely separate from everything since then.

[A]

Good.

[B]

I'm planning on doing that for the next year or two.

[A]

Well, you don't have to do that, but just separate for a little bit. Give yourself a chance to recover here.

[B]

Oh, yeah, no, definitely.

[A]

I just need you to buckle down. I'm not saying like go away for a year. You're allowed to go on dates and stuff. I'm just like. I just like. That's still fresh. Getting cheated on, engaged, having the ring still. I just want to. I want you to take this in like an appropriate timeline that is good and healthy for you.

[B]

There's also a Christmas gift on there that had. Yeah.

[A]

What? For him?

[B]

Yep.

[A]

What was the last Christmas. Why'd you buy him a Christmas gift?

[B]

It was.

[A]

Why did you buy him a Christmas.

[B]

It was right after Christmas, so we had. We had done. Yeah.

[A]

Huh? What?

[B]

It was like the last week of December that I found out, so we had already had Christmas already.

[A]

Wait, you said you found out. I thought you said you found out in October. No, you got engaged in October.

[B]

That's when we bought the ring. I never got engaged to. I never got proposed to or anything.

[A]

Okay. So weird.

[B]

So we had the ring. We were.

[A]

Oh my gosh.

[B]

We were waiting and then it was gonna happen sometime the past three months and it never did. And. Yeah. No. And we had family photos. We had Christmas. We had going to his parents house and should have taken that hint that his parents were divorced because they both cheated on each Other and then he went on a just going in a.

[A]

Field relationship, just doing an open relationship.

[B]

Or call three hours away. And then I found out he was cheating on me.

[A]

Just do an open relationship or just call it off. What is wrong?

[B]

No one in my generation knows how to do that. They'd rather take.

[A]

Everyone in your generation is actually like pretty anti sex. So I'm surprised he was even sticking.

[B]

It in something especially hurt. But that's. That's another story.

[A]

Okay.

[B]

Okay.

[A]

So these payments are stacking.

[B]

Yeah.

[A]

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

[B]

Hey, there's a dollar added on.

[A]

Yeah, went up. Okay, you're. Yeah, there's the. Over. Over. Okay. Yep. Rock the south ticket is pending.

[B]

So that.

[A]

What the is that?

[B]

That was his birthday present that I bought him.

[A]

Good.

[B]

Let's see. Three, four months. And now I'm just paying them off and I'm using them. But I.

[A]

What the. You have auto pay off on so much of this stuff. What the. In StubHub. That's for a concert. That's already done. Tell me, please tell me we're done with concerts.

[B]

Yes. No, I have one in two weeks with one of my friends in Palestine again.

[A]

No, for sake. How do they even have concert venues left standing at this point?

[B]

They. That was, that was a birthday present. So it's kind of rode off, but not really because I'm still paying for all of my things going that way. And then there's rot the south in June.

[A]

Oh, for sake. What are you doing? You don't give a f. You don't give a. Are you just using the fact that. Sympathetic. Sympathetic. I have to start this with. I am sympathetic. The almost engaged cheated. So two traumatic life events that I don't wish anyone to go through. Are we using that? You have. I see no other way than you are using that as a justification, whether or not you acknowledge it, but in the back of your head to why you're just able to just go and do anything you want without even thinking about it.

[B]

Yeah, yeah, that, that's kind of where it is right now. And then it's the fact of. I'm, I'm just.

[A]

But guess what, guess what. Because of those two traumatic things where you're using it to just up everything, you're creating a third dramatic event. And that third dramatic event is these bills going to catch up. These bills are going to catch up. Maybe even a fourth where you get kicked out of school or can't pay for it anymore. But the third dramatic event is the bills are going to catch up and you're going to be forced to go through bankruptcy or consolidation where you build it all up before you actually change your behavior. And you are just going to be in a financial slump that you are never going to be get up, get going to get out of. Because bankruptcy doesn't clean this. Bankruptcy doesn't clean the slate. We've had people that have gone through bankruptcy on the show. Guess what? They get in the same worst financial position because people go through bankruptcy. And then without changing the behavior, they get in all the bad debt. Again, I am not against consolidation or bankruptcy, but I am against that. If you have not changed your behavior and you going through this using the justifications of the past that are sad are never going to change your behavior. You already have all these concepts planned out and you're going to spend money on the gas, on the food, on the travel, all the, the tickets at least purchase.

[B]

Yeah, the tickets already.

[A]

Okay, but you're gonna spend double, if not more, as you've already confessed, every time you go to a concert on the travel, on the lodging, on the food.

[B]

Yeah, but then it's, it's, it's, it's it's written.

[A]

Open that. Open that. Oh, my gosh. How's your frame rate at like 5 frames per second? Oh, it's because you have low data on or you have low power motor. I'm turning that off so I don't have a seizure. Do people deal with that?

[B]

I didn't even notice anything on it.

[A]

Okay, she has Flow Premium Period. Flow Period and Pregnancy Tracker. You're paying for that. That's 15amonth. Doesn't the health app do that automatically?

[B]

That's every six months and.

[A]

Okay, doesn't the health. She has Snapchat Plus. Who the in this world has Snapchat Plus? What the Are we doing Snapchat Plus, Disney Plus, Apple Music and Apple Care. Good with the Apple Care. Apple Music looks at a student plan. I can stomach it. But come on. The Flow Kit. Doesn't the Apple Health app do that automatically already?

[B]

I use this Flow for like seven years now, so it's easier to sit with them.

[A]

Hold on, hold on.

[B]

Oh, no.

[A]

Hold on. Why the. Did you have. Did you. Wait, no, no, no. You did download Hinge. You went in Hinge Premium Post.

[B]

And I got that refunded because I accidentally had it. I didn't real. Like, I had done the little free trial and then it kept charging. Then I was like, oh, crap.

[A]

And there's Bumble. So we've been on the premium versions of these dating apps since the cheat. And it was. It was right Post it. You downloaded immediately because this. That expired January 28th. The Bumble one. So that means you. You can, you know, you found out and you downloaded the next day.

[B]

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

[A]

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

[B]

Yeah.

[A]

On Hinge.

[B]

Yeah.

[A]

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

[B]

No, the premium is. I never said that. I deleted the apps. I said that I had.

[A]

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

[B]

No, I definitely. My. My brain.

[A]

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

[B]

Yeah, I'm trying to just. It's. It's a jump. It's like jumping jets right now. No hopscotch. Just back and forth between everything else because of how far everything's gone. So it's just a matter of where can I play this card to that card? It's like the. The saying.

[A]

We're going to go through that more in the post show. I'm gonna audit your dating profile.

[B]

Got it. It's the. The. What is it? The Peter pay Paul. Paul paid something. I don't know. I forgot that one.

[A]

Huh? Okay. I just. You have a credit one. You have a credit one. If you have a credit one. It is the worst of the worst. That means we know it's the worst of the worst. The worst.

[B]

That one was open strictly to go on a trip to see him in college a year and a half ago.

[A]

Wait. Where was he?

[B]

He. He lived. And he lived where I was. And then he went to college a month after we met.

[A]

I thought we were moving beyond this part of the conversation, but it just keeps coming back. Okay, listen, I'm out. Do this period. Pass the pass. Why two in a row. Two in a row. Why. Why do you accept that? Why do you accept that as your reality? What is this? Give me an answer. You're past due on all the bulls. Why are you allowing this past due Pay and past due pays, rent.

[B]

It was. It was. It was. It can. It can be. It can be written off or it can be. It can be salvaged at some point in time, at some later date, but.

[A]

It won't be because you're getting yourself in a worse situation into an inescapable situation. The only salvage is bankruptcy, and even that won't fully clear you potentially. And even that, you'll just get in the same position again. We've already been through this. No, the kicking the can down the road never works because the can becomes a boulder that you'll never be able to kick without breaking your toe.

[B]

That one. That. Yeah, that one.

[A]

Oh, my gosh. Say words.

[B]

Those are hard. Those. Those are very hard.

[A]

Yeah, then you're never gonna finish college. 60 minimum payment, Norm. Normally, of course, what we owe right now is 129 because we got fees and interest. Yeah, Listen, it's at 205.66. Got the late fee, we got the interest, we got other fees added. It's just ridiculous. Oh, my gosh. That's certainly not the only late fee you've had this year on this card. I'm not surprised, looking at everything we've had. Listen, I'm not even going to recommend the Fizz card to you. Not even going to recommend the Fizz card. That's great. For most people, not good.

[B]

Yeah, no, that one was supposed to be the credit builder, and then I ended up just letting it.

[A]

Credit one was supposed to be the.

[B]

Credit builder that only the one with fees up had like a 300 limit. So my brain was like, hey, I can use it for gas or I can use it for little travels here and there or food or things like that.

[A]

Okay, okay. What are you even spending money on that card these days?

[B]

Gas and food? If my. If my bank account, I mean, they.

[A]

Say you go to Austin and San Antonio all the time and you just.

[B]

Can spend money Cowboys or going out to Mavericks or little outings, restaurants here and there with friends and everything else here and there.

[A]

You do every night?

[B]

Just about. Yeah.

[A]

At least have the people on there pay for it. Sake.

[B]

But then I know people and then it. It turns into it. It gets paid for. So it could be worse.

[A]

It could be worse. I will never understand this. And how do people even say this? Have you seen this show? Have you heard other people say it could be worse?

[B]

Yeah.

[A]

If broken, then you know my answer. What do I say? What do I say?

[B]

Stupid. That's.

[A]

No, no. Yes. That's what I say to You. What do I say when people say it could be worse? I want to see if you have the comprehension to know why that is, like, legitimately a stupid phrase for someone like you to say. That's in a position because it just keeps adding. Oh, my gosh. She. She's not able to retain information. You watch the show with the volume off. You're on me, you're wearing AirPods.

[B]

Mine is an sight out of mind thing. So as soon as I'm not watching it or like in the past five minutes, I'm going to forget it.

[A]

I don't think you ever have anything in your sight. You're looking in 50 directions at once, endlessly. I don't think you comprehend anything. I don't know what's. What are you talking about? There's nothing ever in. Listen, it doesn't matter if it could be worse. It can always be worse. The world could blow up. We could go through a nuclear winter. It can. Can always be worse. That does not mean by any metric that what you were doing and going through is justifiable. It is not. If you ever tell yourself it could be worse, that is allowing you to continue this forever and you will never make any progress. This is bad. This is up. This is destroying your future. The it could be worse will keep you here forever. It could be worse. Yes. It always can be. But if it could be worse forever, this is what's going to prevent you from ever doing this, from ever, ever paying this off.

[B]

Yeah, that. That was the mentality with stool. And it. It still is. And it. It's. It's the mentality with everything.

[A]

Okay.

[B]

It's. It's. It's just. It's how it was. It's. It's. Oh, my gosh.

[A]

Oh, wow. Yeah, just keep going.

[B]

Oh, geez. It's just. It can be paid off a later date. It can be redone. It can be. It can. It? Yeah. It can always be worse. And then it can be saved from a different standpoint of things. And.

[A]

Is there a reset button? Like, is there a switch? Like, do I need to get Lindsay. Lindsay back there? Like, tweaking with stuff? Like, I don't know what's happening. What do I do to move forward?

[B]

In terms of what, like, from what? All the bad things I've been doing and financial decisions.

[A]

What's this?

[B]

That is my Capital One card, my credit card that I opened, I think, in October.

[A]

Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire, entire Internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget, no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time, or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to calebhammer.com or just click those links in the description below. You're past due. Of course you are.

[B]

That one paid for my move down here, and it paid for some of the NOLA expenses.

[A]

When did you move down here again?

[B]

February.

[A]

It's. But why are we past due on it then now a few months later?

[B]

I think I added more charges. Yeah, I added more charges to it from my New Orleans trip and my birthday and everything else.

[A]

It is your birthday, isn't it?

[B]

Monday.

[A]

This past or this upcoming?

[B]

This past Monday.

[A]

What the did you do?

[B]

I went to New Orleans.

[A]

Pull up the app. Pull up your app. What did you call this card?

[B]

Capital One.

[A]

Okay. Capital One. I don't know the balance because you can't pull a statement.

[B]

And my storage is.

[A]

Pull up the app.

[B]

I'm pulling it up. It's up.

[A]

Okay, you owe $723.86. Oh, it's maxed out. Oh, good. Oh, yeah, Credit on here. Oh, 515. Good. This is so ridiculous. Why do you even allow this? Okay, that's not today, but a parking garage.

[B]

That was in New Orleans.

[A]

Great interest. $20. Past due fee. And you don't have the ability to put more money on here. Past due fee. Past due fee. Past due fees. Ever since you've opened this card, you've opened the card, and you've never made a payment. Roof plus roof. Oh, red roof. Oh, this is in your stupid traveling public storage. What are you doing? Public storage? $252.

[B]

I have. I share that with my best friend and her mom because I moved all my stuff into there.

[A]

Why is it on your card? A card you refuse to to pay?

[B]

It was the easiest thing because I was the one that Went.

[A]

Listen, you allow that to be everything in life. It's the easiest thing for other people to put their expenses on my stuff and then they don't pay for it and then you don't pay for it and then you're past due. This is a repeated pattern. His repeated cheating is your repeated stupid with money. Can't. You can't do that. No more putting people's on your cards. You can't manage your worth. Anything.

[B]

Proven true. But yeah.

[A]

Yeah, it's proven true.

[B]

Hey, there's going one more time.

[A]

I need to see. I need to see what your minimum monthly payment is. Auto pay is off. Great. Fine. Let's select this date. What does it say? It looks like like 124. But that's probably with all our fees. But we'll put it. Yeah, sure. Let's put 120. 120. I'm assuming the minimum is around there. Okay.

[B]

Yeah.

[A]

Use the budgeting app. My goodness. I can't even believe it. All right, what am I looking at here? You really can't send statements, can you?

[B]

That was the only way it would let me pull any of them up. That is my RBFCU credit card that I've had since I was pull it up.

[A]

Guess we're looking at the phone version for all this stuff. This one's also maxed out. $3 left to spend on it. Left to spend. Don't even hear it like that. Okay, I'll call just credit union. Minimum monthly payment is 20 with $496.21 owed on here. I don't know. I. I don't know how you survive, dude. Provisions. Provisions. Going in against late fee. Late fee at the beginning of the month at&t. At T, Rhino Air, Mavericks dance halls, Flotchis going in, getting some. This is. And then late fees up the butthole. This is like. What are we doing? Tell me about this card. What's going on?

[B]

That's. That's the. That's the. The catch all. That's the.

[A]

The catch all.

[B]

Yeah. That's the gas. That's the hey I look of your hand.

[A]

You're the catch all.

[B]

Apparently. So. Yeah, that. Yeah, we. We can. We can do that. Yeah, that. That was the. Hey, I needed a new.

[A]

It's better than the of our office. His name is Brandon. He's the catch all of the stds. So.

[B]

Nope, I'm clean from those. I'm great. I'm good. I go to Mavericks on that card. I go spend the alcohol budgets on those Cards. And I don't even know what that rhino charges for. That's a new one to my brain. Or the going out to eat after work or things like that. My checking account doesn't have it before Bill comes out. Then he gets charged to the credit card for merch at concerts. Esther Jasper, I don't even know what.

[A]

To do with you. You just. You have a lifestyle that you cannot afford and you're just doing it relentlessly. And you already have multiple ones planned up. Like, what the can I do? What the can I do? I can't do a sing Dick. I can't. I can't do anything. I. I don't know what to do. What can I do with you?

[B]

I don't even know what to do with myself.

[A]

Well, you can stop, but I. I just don't think I can get you to. You can get you to. I can't get you to.

[B]

That was probably.

[A]

That was.

[B]

That was about what the Florida trip was. That was kind of like a reset button on everything.

[A]

Oh, that's not how that's gonna work, dude. It's really not.

[B]

That's why I'm still here. I didn't actually go.

[A]

You got offered it a week ago. Like, you're still considering it, right? Or have you chosen?

[B]

No, no, I'm still. I'm still considering it.

[A]

It's just, it's all these cards are maxed out. All the cards have late fees. There is not a single sign inkling of anything good here. Not one. And that bothers me because there's nothing for me to latch on and be like, let's use this skill that we have to go there if, if, if, if anything, it's you working hard because you put in a lot of hours, but you're working hard. Never leads to any results because you put in a lot of hours and don't get paid for. You put in a lot of hours in school. You don't get achieve the GR to maintain your free college. You don't do anything.

[B]

It's kind of just working to get by.

[A]

And then you don't get by. You. You don't. They're maxed out.

[B]

I go, right?

[A]

Hey, what you do? Shut the up. You don't pay anything. No account we've looked at is pay. Shut up. You don't get the badge on your sleeve that says I pay. You don't pay anything. You put money on credit, but you don't pay anything. You're gonna get access of afterpay taken from you. And I hope you do?

[B]

Yeah. I don't have to have retirement.

[A]

You even have retirement. Of course not. You have nothing going from you. You have to. You don't have anything going for you. And we'll get you set up with the Moomoo app when you're ready to invest. We don't have anything going for you yet. I don't know. Yeah. What. What can I latch on to? Is there anything.

[B]

I don't know, Is there anything good? Paid off collections.

[A]

But you got into collection.

[B]

That was. That was from when I was 18, and it went to collections for that one.

[A]

So it's taking four years to pay off half of it.

[B]

It. Well, it was.

[A]

That's at our high five.

[B]

It was at a collection, and then it was left alone. And then it went to the second collector. And then I got offered.

[A]

It probably went into internal collections and then external collections is what I'm assuming.

[B]

I believe so, because them are at the same collection. Just one sent to the other one. Three of my collections. One was a care credit for a vet bill for two ferrets I had two years ago. One is the Best Buy computer MacBook that I bought when I was 18, starting college. And then one's a discount tire.

[A]

Of course you did. Can't do college without a expensive Apple computer. I love Apple. I'm an Apple slut. But it's. You don't need that. Did I miss Randolph Books?

[B]

That's one of the biggest.

[A]

My bad.

[B]

The biggest banks here in Austin. There was another one, but I got it taken off of my collection. That was a Smile direct thing. Yes, that was a SmileDirect thing.

[A]

You mean you got it taken off?

[B]

So I. They had called me because SmileDirect got bankrupt, and so they went to like a third, like, weird Indian party sort of thing to handle the rest of their finances. And I had called and they were like, hey, is your name so? And so. And I was like, yeah, that's correct. And then they asked for my Social Security number, and it was one number off from what it was supposed to be. And so they told me to call identity theft and file a report with them to get it taken off my record. And within a week it was off.

[A]

Okay. On one collections, you have 2,100. On other collections, you have 1,306. On another collections, you have 200. You said, is one of these. Are any of them on payment plans?

[B]

Yes, the middle one is.

[A]

Okay, how much a month?

[B]

118.75.

[A]

Yeah, it's very difficult to stack up this many Minimum monthly payments while we're in school. Like you've put yourself in a position.

[B]

If it. My. If it stays a position, then it stays.

[A]

No. Okay, then you've given up, then you've given up.

[B]

Not necessarily.

[A]

Yes, you are. That phrase is someone who's given payment.

[B]

Plans and everything else. No one have the opportunities.

[A]

No one can help anyone that's given up. If you're an addict and you've given up, you can't help them. If you're a fat and you've given up, you can't help them. If you're an endless spender, bad money. And they've given up, you can't help them. You can't help anyone. If someone's given up to their cancer, you can't help them. There's nothing that can be done. There's nothing that can be done. If someone is. If they've given up. And that phrase is so I've given up.

[B]

So I keep working and everything else. It's not necessarily like you're working. I just don't put any of it towards where I should.

[A]

You're working. You're working to sustain your lifestyle, not. Not to improve your finances. So that's still giving up. That's still giving.

[B]

My bills are paid. That's.

[A]

No, they're literally not. Are you actually stupid? Like, I'm sorry if that's insulting.

[B]

Shut the up, right?

[A]

Hey, shut up. Listen, all my bills are paid. You 1, 2, 3, 4. 4. Four credit accounts that were not paid, that were not paid, that were all past due that we saw. And then all of a sudden we have three in collections, meaning you'd never paid them. So four. You. You don't pay your bills, you don't get that badge. You don't get that maturity badge. You're a joke financially.

[B]

Well, my rent's paid, so that's paid.

[A]

You live with a friend and their mom. What's Your rent payment?

[B]

400.

[A]

Anyone can do that. You don't. There is no pat on the back for that. You don't have a normal rent.

[B]

Yeah, that's. That's kind of why I moved as well, because I couldn't afford the rent over there by myself. So that's why I moved into a cheaper place over here. And then it turned into sustaining, and then it turned into, I can do whatever I want because I'm not over there now.

[A]

Okay, what is this?

[B]

That is from when I moved from Marble Falls to. To Beaumont. The.

[A]

What do you mean it's from when you moved?

[B]

2 and a half years ago, I was living with an ex boyfriend and he was supposed to pay the final cancellation of the lease whenever I found out he cheated on me.

[A]

A separate cheat. How many cheats have you cheat?

[B]

I've had all three of my relationships and sit years cheat on me.

[A]

Have you ever cheated?

[B]

No.

[A]

What the is happening?

[B]

I apparently don't know how to pick them. It's like, it's one of those like books in the library where you're like, oh, this looks really good.

[A]

And then have they all given the same why? Not that it matters. They shouldn't have. Don't get me wrong. But I'm just like.

[B]

I've gotten very different whys. The last one is because she was easy.

[A]

The most recent?

[B]

Yes, the most recent because she was easy and he was lonely at his.

[A]

Job and that's what he said.

[B]

Yep.

[A]

Okay. The one before that.

[B]

The one before that, that was. He was a volunteer firefighter and. And he ended up around with one of his classmates because they were constantly around each other and they were etses. So then it played into.

[A]

You got to pick someone who's nine to five. Okay.

[B]

And the one before that, that was high school I. And then he went to the marines.

[A]

Every time. You can't. You can't. You listen. No more picking people that are always around other people in their job. Like you just got to get 9 to 5 know where they're living with each other type jobs. Because that's three in a row. That's like where they're living off.

[B]

They were all at like a year and a half and then I got cheated on. So they haven't like.

[A]

No, trust me. And they shouldn't have. None of it's your fault. But that's pick a nine to fiver, which is like someone working at McDonald's. I don't even care. Okay. Collections, right? This is collections. This is more collections. It's in collections.

[B]

It won't show up on my credit karma though. But it's in collections.

[A]

Okay, so you own owe 1500 payment plan? No, you made a payment in 2024. $43.56. So this is your. It's. It's what? Your last month of rent or what was it?

[B]

It was for the cancellation of the lease.

[A]

Oh, for fuck. Okay. And he was supposed to pay for.

[B]

It, but still has yet to. But he currently lives.

[A]

But is it on hit? Is it reflected to him? Is he seeing it as well or just you? Why only you?

[B]

It's just me.

[A]

Why?

[B]

Because I did the same Thing I did with the last one.

[A]

Have we learned our lesson?

[B]

Yes. Yes.

[A]

Apparently not, cuz you are literally doing that with your roommate and mom. Her mom, right now with the storage.

[B]

Totally forgot about that. As of right now. It's the out of sight, out of mind thing.

[A]

I don't know. I, I, I, I don't know. Okay. What is this? Emergency department visit Medical. It's high enough to show up on collections. Wait, total. You're on a payment plan?

[B]

Mm.

[A]

Oh, for sake. Are you paying it?

[B]

Yes.

[A]

Oh, so you'll pay this? What is this? This is medical, right?

[B]

Yes. That's when I went to the urgent.

[A]

Care for the pots.

[B]

Yes. I'd find it at work.

[A]

Don't do that. Okay.

[B]

I wish I had control over it.

[A]

2,300 minimum monthly payment. So the red one's not in collections. Okay, so $190.47 for this one. Okay, when was this? October, it looks like.

[B]

Yes.

[A]

Okay, so you got on a payment plan with the hospital?

[B]

Yes.

[A]

Okay, so it's not collections, it's just the bill at the hospital. And that's when you found out you had pots?

[B]

That was the start of it. I had our.

[A]

Has it gotten better? Because that's only since October.

[B]

It seems to have gotten better, but then it's I.

[A]

And you can work on a ranch and behind a car. Were letting you behind the wheel on a road. That doesn't seem right.

[B]

It was. It was more of a matter of I kind of just let everything go and that included myself. And then it just ended up. I made it a lot worse on myself than ever.

[A]

How do you let yourself go?

[B]

Stop drinking water, stop eating, things like that.

[A]

Everyone will pass out if they don't drink water.

[B]

But then it ended up with a heart murmur from it, so.

[A]

Oh, my God. Okay, what is UTMB Health?

[B]

That is from when I had my heart monitor and all my testing for it.

[A]

So this is another thing.

[B]

Yes, that one.

[A]

You only owe 214, but yes. Do you only owe 214? It's not like it's insignificant, but it helps a lot.

[B]

That one was with insurance and everything else, so it lowered it a lot from what it was.

[A]

What is this? You're just sending me screenshots of bull.

[B]

That downloaded whenever I did it.

[A]

Yeah, but what is it?

[B]

I'm trying to. What? Oh, that. That is my past three months from my vehicle that I currently own, not own, that I owe on.

[A]

What's the balance?

[B]

Very, very under. I owe 25,000 on it.

[A]

Oh, sick. What's the car. You own a $25,000 car. You don't even make that much a year. Not that much even in a year.

[B]

2023 Hyundai Tucson.

[A]

What's your minimum monthly payment? Three car. You think you can get a 2023 car? Phew.

[B]

It was car payment. 616amonth.

[A]

Sake. Interest rate?

[B]

6.75.

[A]

So horrible. It's not horrible. Okay. Yeah. 18,000.

[B]

My car had gotten stolen and then.

[A]

I gotta go get a car. We can.

[B]

Yeah. I immediately jumped into something that I shouldn't have.

[A]

Guys, if we have an expensive car, it won't get stolen. I don't.

[B]

Yeah, no, I think it just went. I went for the tracker and then I was like, oh, it's pretty. And it has all the things that normal.

[A]

Are you late on this?

[B]

No.

[A]

That is deferring payments to the end.

[B]

No, I did. I. Yeah. I have skipped payments before with my bank. So it's pushed that loan off a little bit.

[A]

When did you get this car?

[B]

February of 23.

[A]

Your grandpa co signed?

[B]

Yes.

[A]

Oh, the payment. The car that you're putting payments on the back end. Your grandpa's co signed to it. Your old grandpa.

[B]

So he.

[A]

Grandpa inspired Grandpapa.

[B]

That was a thing with him is he's taking. He wanted to do that because I was in college, so he said that he would help me with my car.

[A]

Yeah, but does he know you're borderline with money?

[B]

Yes.

[A]

How old's he?

[B]

I think he's 70 somethings.

[A]

And you're putting him on the.

[B]

He argued.

[A]

500.

[B]

He. He argued with me about it. I couldn't. He. He.

[A]

No, he was. Of course you could have. You could have gone.

[B]

He was a full kraut about it.

[A]

And dude, you could have did this and he would have fallen over and you could have went and got a car like I. Yes, you could have. He would have forgotten the next day. He's 70 something. He's broken. You don't. You didn't. Yes. You could have pushed back. Make him sign a document. He wouldn't have known. Send him. Send him a docusign. And he would have thought that was it.

[B]

Yeah, he's been helping me with that and my car before that one as well.

[A]

Grandpa should not be helping you when you are deferring payments to the end. It's disgusting. For sake man. How many times have you deferred the payments?

[B]

Only three in the past two years. It's only. It's like that skip a pay thing that they do at my bank and they.

[A]

And the AC doesn't even work. They're telling me you have a $25,000 car loan.

[B]

No, that. Is. That. Is. That. That's a completely. That's like an option with that. Because I. With my grandpa. I am under so far that I was looking into, like voluntarily repossessing it to the bank.

[A]

It'll hurt him still.

[B]

No, I was gonna. I was gonna assign it strictly over to me and then do that. So he's not on it at all.

[A]

Would they let you.

[B]

What?

[A]

Would you be able to refinance it under Just you.

[B]

If it shoots it up either way, it's.

[A]

I don't think so. Not with your credit now with your debt to income. Good luck.

[B]

It was. It was the biggest option for. It is.

[A]

Yeah.

[B]

If you can sign it strictly over to me. Get him off. Co signing. He's co. Signed for the loan, not the title. And then it would be strictly me signing it strictly over to myself.

[A]

With him going, have you.

[B]

Yes.

[A]

And he.

[B]

They said I could. As long as he's there. As long as he's present at the bank with me.

[A]

Okay. And they'll accept that?

[B]

Yes.

[A]

Your financial history. They will accept that.

[B]

It's gonna. They told me it was gonna shoot it up a lot, but then it was interest. It was, yeah. Both the interest and the monthly payment. I probably like 15.

[A]

Oh, for sake.

[B]

But then it was gonna do.

[A]

You'll repossess immediately?

[B]

Yes.

[A]

Yeah. Maybe actually do that. That actually might be a thing. What are you gonna do for driving that?

[B]

The. My friend has a car that I was looking into like. Like doing small monthly payments with him on, and it's a little volt swag. And that's where.

[A]

What do you mean with him?

[B]

The. Like just friend to friend sort of thing. He has an extra car that he's not using and.

[A]

And you'll give him monthly payments? Yes, Like a rent?

[B]

Yeah, of it.

[A]

But you don't own it all?

[B]

No, no. I'd own it at the end, but it would be at the end.

[A]

What's the end? Monthly payments for how long?

[B]

It. It's four grand, so it's just depending on how much I paid him a month. But it's just an extra part.

[A]

Another payment plan. Is there gonna be interest?

[B]

No, it's strictly just gonna be cash between us.

[A]

What a fucking mess. Oh, my gosh. Is this your checking account?

[B]

Yes.

[A]

You're expecting me to read that?

[B]

That's what it was. That's what it printed. I don't know.

[A]

I just turned 30. You demonic?

[B]

That's what I went to download transactions and statements and everything else, and that's what it gave me.

[A]

Yeah, but this is. We wanted a statement, not a spreadsheet. Oh, okay. You're venoming out a hundred. Who knows where that went?

[B]

That was rent. If it's 100, then it's rent.

[A]

Water burger, TP on grind P Terry's Cowboys Cowboys, Treaty Oak concerts going out eating. Treaty Oak isn't. No, it's a distillery.

[B]

That's a concert at the distillery.

[A]

Oh, maybe it's a different place.

[B]

Treaty Oak Revival.

[A]

Okay, August Dolce. Venmuring out more. Going in and getting some bull. What are you going and getting at the gas station for a few bucks?

[B]

I think it's either like a water or snats or a Red Bull.

[A]

Buy in bulk, you tit Sweet berry. Going in and getting a water or Red Bull or snack. Water burger, tractor supply. Probably getting a water. Red Bull or snack. Water Red Bull or snack. Kfc, El Charo, Mexicano. Apple Bill. Apple Bill. Apple Bill. Apple Bill. Apple Bill. What the are those four apple things in a row?

[B]

My. I had gotten my. My debit card stolen, so I had to switch it out. And then I didn't realize it had relapsed, so I had to.

[A]

They all relapsed. Water burger, StubHub. Some would draw 250. Who even knows where the that went?

[B]

Francis, that was Guess.

[A]

Star eyebrows.

[B]

Yes, I got my eyebrows done.

[A]

It looks like what I do with the little thing. Dude, you just got to. If it's not going to be anything special.

[B]

If I. If I do the. If I shave or if I wax, then it's just going to. It's going to make me break out and I'd rather just pay to have them.

[A]

No, don't shave.

[B]

I don't even know what that is.

[A]

The little machine that goes bzzz instead of heart shaped.

[B]

Oh, the light over the top. No, even then it just gets the surface and then it's still there.

[A]

Oh, look. No one can see it. Can you see?

[B]

I can.

[A]

Can you see all my hair up here? There you go.

[B]

That's just. It's easier because I can use.

[A]

It's easier to spend money you don't have. Yes, it is. You're right. It is so. Phew. Uptown Cheese chest. Go in some apple Hob Club. Hob Club. Netflix. Oh, my gosh. It just continues forever. This is so stupid, dude. This is so beyond stupid. It's upside down. Winning. Got some Sonic Wendy's, Pete, Terry, Cowboy Dancella. Waterburger, Panda Express, Cowboy Dancella, Sonic. Like overdraft. Overdraft. You. You're even basically late payments on a checking account. Essentially. My goodness. This is so bad. Pete Terry's Taco Bell. Vahala Valala. Thirsties. Thirsties, Thirsties. Izumi P. Terry's Whataburger otg. Oh my gosh. Moreover. You kidding? What a joke. What a joke. And that's the last documents that we have. What a joke. So no savings accounts speak of?

[B]

Nothing I had, I think.

[A]

Yeah. What do you have? What do you have?

[B]

I had this as my savings and then I pulled my entire savings out.

[A]

You had to get up. Great. That's great. You're awesome. Stellar thriller of a human being. Definitely wife material.

[B]

Pulled that out and then hasn't been put back at all since then. Besides, like I think $20 is in there right now.

[A]

Now. Yep. You're real great. Real stellar. So why'd no one adopt you? Huh?

[B]

Yeah. It ended up being my family from my dad's side that I had never met. And then I doubt at 18.

[A]

What? Huh? They kicked you? Why?

[B]

Because I didn't want to go into the military like they needed you to.

[A]

Go into the military. What time? What time? What age did they adopt you?

[B]

16.

[A]

What the. So you're in the house. The, the, the, the. The. The. No parent house till 16.

[B]

Yeah, 13 to 16.

[A]

It's interesting we might talk about on the post show. Okay. What's Your rent again?

[B]

400.

[A]

Anything to anything to go to utilities?

[B]

No, that is included in that joke.

[A]

Including Internet. How do groceries work at the house?

[B]

I buy all my own.

[A]

Good. 300. Use the cookbook again, premium users. You get it when you sign up for annuals mailed directly to you and signed by me.

[B]

Phone bill that with his is 165.

[A]

Once that's done, switch to helium. Same towers. T mobile. Guarantee you it works there because we live in the same area. Car insurance?

[B]

150.

[A]

Okay, I'm going to assume that's going to stay somewhere around the same 100 for TP fund. That includes or whatever else you got to do. Anything else in life? Medical, health care?

[B]

Nope, I don't have it. Because if I have it then I'll use it and then I'll end up with more bills.

[A]

You don't get prescriptions or something?

[B]

Nope, I don't take anything.

[A]

Okay. Okay.

[B]

It was kind of like a lifestyle change sort of thing.

[A]

Anything else that needs to be in your budget that I have not put in there? Oh, gas. Vroom. Vroom. Drive, drive, drive.

[B]

O yeah, I.

[A]

How much? How much?

[B]

Probably like 400amonth.

[A]

Sake, dude. Why so much?

[B]

I drive a lot. Concerts going out.

[A]

But it's going to be, it's going to be cut back cuz you're not going to be doing concerts and stuff. So let's bring it down to 300 because your lifestyle is going to be different.

[B]

Okay, Got it.

[A]

Okay. I don't even believe. Listen, I mean, it's so stupid. Even with this, because of the minimum payments that you force yourself to be in, you're not even paying all the things like collections are not being paid, a medical debt's not being paid. You're still. You need $2,622.97 to survive on a monthly basis. I mean, you're not going to. You, I mean, you're, you're not making it. You're underwater by $222.97. What a joke. What a joke.

[B]

Well then what it would be a joke.

[A]

Huh?

[B]

It would, it would be cutting back on.

[A]

I cut you back on everything.

[B]

No, like anything like going out wise or just anything.

[A]

I already did that.

[B]

Without the hundred. Like completely nothing.

[A]

Huh?

[B]

Like wasn't the hundred for like anything like extra or things like that?

[A]

Sure. Cut that back and you're still underwater by $122.97.

[B]

Well, I get that job and I.

[A]

Bet you still need to get tissues, tampons, toothpaste. That's what TP fund covers.

[B]

Okay, well, I do have. I have a job opportunity in San Antonio that. That should be opening up.

[A]

And that should be opening up, which means you don't have it.

[B]

Hour.

[A]

What are you. What's your hourly? Okay, 20. How many hours a week though?

[B]

It's 50. But then if needed it can go up to 80. But then that is covered with overtime paying.

[A]

Okay, well you'll do 60. Okay. Yeah, that helps. That'll you'll probably be walking away with like $4,000 a month after taxes. $4,000 a month? Good. Let's just say you have an extra thousand five hundred dollars. No, that say based on your lifestyle and just you, there's an extra thousand two hundred dollars a month. Okay. Thousand two hundred dollars a month? What do you mean it might open up though? This is the issue is you don't have.

[B]

No, I have the. I have the appointment netsuite for all the paperwork and everything.

[A]

Oh, because you accepted it?

[B]

Yes, it's an acceptance.

[A]

Did they offer it?

[B]

Yes.

[A]

Okay.

[B]

I have that on the 24th.

[A]

If that is the case, it takes maybe two and a half years to pay off the debt and that's okay grind pay it off. And that was me giving you a little wiggle room. Then save up a fully funded emergency fund and then start getting this investing journey going. You can be 25, 26 and you can be better than most people. But you've put yourself in such a dumb hole and the fact is based on your literally not paying for things and having no care and basically giving up, I actually do not think you're going to get there. And that's really sad when I say that I hope you do, I come I hope you come back on the financial audit follow up channel and I hope you do prove it. I hope you do prove it and we'll follow along. We're in your corner but it requires you to actually put in the effort. Okay. Okay.

[B]

Requires me to be in there.

[A]

It requires you. Okay, good. So good luck. I hope you do it. Let's get your Hammer Financial score. While I'm adding it up, make sure you guys download the simpler budget app and take our classes. Guys, guys, make sure you take our classes. We have a debt class which you're going to get for free. And same with the budgeting class but also investing in real estate. It's the best you can find. You can bundle them all together for a substantial discount. Literally tens of thousands of people have changed their lives spending a budget. You overspend. 0 out of 10 debt. You have questions. 0 turn emergency fund, there's nothing. 0 out of 10 retirement. There's nothing. Real estate, there's nothing. It's going to BE Hammer financial scores 010 guys. It's going to be a good post show. I'm going to roast your dating profile. But even more I'm going it to call call the cheating ex and destroy his ass from a number he's not even expecting to come. And it's a one party consent state when it comes to recording conversations like that. So I'm about to expose his and.

[B]

I do have the recordings from when he said he would pay for the ring.

[A]

Well there we go. So join us for the post show. It's going to be real good. Make sure you join Hammer elite for thousands of hours of extra content. See you there.

[B]

So I wasn't honest about one of my Twitter credit card. You're talking about my capital one. That what? My mother is homeless in Austin and I was helping her out.

[A]

Why can't you be honest? Why can't you just be honest? She's on the streets in the city.

[B]

She could probably be five minutes away.

[A]

From you don't know where she is. Exclusive Members Content Click the link in the Description or Pin comment below and watch thousands of hours of extra and uncensored content.