"Financial Audit Doesn't Work"

You got a car you couldn't afford. >> Yeah. >> You were a literaling [ __ ] and ran a. red light and smashed into a car. >> Yes, it was an accident. >> Yes, it was a car accident. So, you making dumb ass choices equals. you get funded by us. But I'm sure I'm. Can you shut the I'm kind of talking you. >> I mean I 400. >> MY BLACK FRIDAY SITEWIDE BLOWOUT is. live. You can get 20% off everything in.

the store with code BF20. That is 20%. off courses, merch, and even the brand. new Master Your Money membership. But. don't wait too long. This sale ends at. midnight on Friday, December 5th. Happy. Black Friday, and enjoy your savings. >> Hi, I'm Charlie. I'm 34 from Seattle, Washington. And this is Financial Audit. >> Hey, thanks for coming down to Austin. We're filming on Halloween. That's why. you're spooky. It doesn't really match. up for when these people are seeing. that, but I appreciate it. What do you. do up in Seattle for a living?

>> Um, I am an HR coordinator and so. basically I mostly do payroll. Um, >> so you're getting laid off soon. >> No, I'm the only person who does payroll. at my company. So, >> okay. Well, maybe not then. [laughter]. Just HR is just so many HR layoffs this. year. This is like the easiest one to. cut. Well, I live I work in the healthc. care field. So, >> healthcare is also getting cut this. year. >> Is it really? >> Yeah. It's recession resistant, not. recession proof.

>> There are still especially [laughter] on. more local instances. I mean, Seattle's. a major metro, so you probably have a. little extra protection there, but who. knows? Okay, very good. What do you make. in this job? >> Yeah, I make 3120 an hour. >> Okay. How many hours a week are you. working? >> 40 hours a week. >> Good. What hits your pay per paycheck? Net is right at 1,900 a paycheck. >> That's every two weeks, I assume. Very. good. >> Now, we're talking 3,800. Seattle ain't. a cheap city by any means.

>> How we doing on that 38? >> Oh, man. It's uh it's not easy. Thankfully, I make enough that I can. live on my own in a little studio. apartment. But. >> Well, are you in like the heart? >> No, not really. I live uh what we call. on the east side. So, across the Because. it's in the direction of the east. >> Well, yes. It's on the east side of the. lake. >> That is a unique name that they call. that that is in no other city. >> Yeah. No, of course not. But people from. Seattle will know. [laughter].

>> People from every city will know where. the east side is. >> Well, no, because so Seattle. >> Okay. I don't care. >> Oh, wow. >> I [laughter] mean, I don't. Who does? I'm sorry. That's I mean, I'll just be. blunt. Okay. So, people come in and they. ask for helps to fix with their checks. Other than that, you're really just. pushing button. >> Yeah. I mean, for the most part, >> payroll is mostly automated unless. there's like bonuses and things coming. in, but even still, that's still mostly. automated. >> Yeah. I mean, I answer any questions. that they have about payroll. And then,

um, I also update 401k, benefits, things. like that. Um, >> Okay. Okay. >> I also partially work in finance for the. company. I help out in our um accounts. payable and accounts receivables. departments. >> Uhhuh. Help out. >> Well, you're not getting paid more for. that, so that's in your Again, I don't. really. >> doesn't really impact anything here, but. that's exciting, I guess. Extra things. to put under your resume belt. >> Now, you're able to afford the studio.

apartment on the east side. Very unique. east side. Well, that's good. How much. does your studio cost? >> Uh, 130. >> Yeah. Yeah. Again, Seattle, it is an. expensive area. Not even downtown. studio. >> That's actually. That's what I'm saying. >> And it's still uh pretty. But I mean, that gives you room left over with your. income. I mean, you're well within that. like 30% and that's for your net income. So, >> what the is going on? What are we. talking about?

>> Yeah. Uh, so I, you know, I have tried to like keep up with. socializing. in Seattle and. >> try to keep up with socializing. >> Yeah. And I kind of tried to do your. financial score, but. >> you tried. >> I tried. I did it, but it wasn't super. It wasn't super accurate. It was really. missing nuance for. >> What's your nuance? >> Yeah. So I. >> I didn't take in account that you're. trying to socialize.

>> Uh no. Um so I rent an apartment in. Seattle, but I own an. >> Okay. Well, >> that isn't that would apply to your real. estate score. >> Yes. So the real estate score is like do. you live do you own your primary house? >> Well, it's not a primary residence. >> Have debt. >> It's not a primary residence. >> It's just really simple and it. >> Well, that's not a primary residence, right? If you answer the question. correctly, it goes into another bucket. that would further clarify.

>> Right. So, the section that I'm looking. at it like it's talking about my uh real. estate availability and. >> yeah, >> it doesn't have an option once you say. you own a house to say no, I don't live. there. >> But you marked it as your primary. >> Nope. >> Okay. >> Yeah. I just really feel like it's like. super missing nuance. >> Super missing mostly just on the uh. you marking. >> Well, it's just really, really simple. Like,

>> it's simple. It's easy. It's just a. quick snapshot of where people stand. Doesn't evaluate your entire life, tell. you if you should commit suicide or not. That's not what it's doing. >> It's all gut. >> No, it's just it's a very it's a quick. snapshot. Caleb.com, take yours. Yeah. It just tells you kind of where you are. >> Yeah. I just feel like it really doesn't. understand context. >> Context of a very specific thing that. you said. Yeah. I'm sure you could. answer the question based on your thing. It is a little more rare for someone to. own a rental property yet not have a.

primary residence because and that would. be calculating a score because no one. recommends in any financial space mostly. with real estate of owning a rental. property without owning a primary. residence. N. >> that's the first step. Why do you own a. house out in Missouri? Um because I. bought it when I was 25 and I grew up in. Missouri so it was where I lived and. then I moved to Seattle and didn't uh. get rid of it. It was.

>> Why? >> Because it was my backup plan. Like if. >> Well, what's it doing now? >> Um it's just I have um a friend who. lives there. Do. >> they pay rent? >> They pay the mortgage. >> Okay. >> Yeah. >> That would be calculating a score. I'm. so confused. I don't know. I feel like. you didn't take it. Okay. Maybe. >> And how long have you been in Seattle? >> Um, since July 2020. 5 years. >> Okay. So, 5 years. What are you going to. do with the house now then? >> I am putting it on the market actually. >> Okay. So, I don't really understand your.

complaint then. I'm a little confused. Okay. What did you get? >> 1.79. >> You told Colton the algorithm graded you. wrong because it counted you as a. homeowner. You are a homeowner. >> Yeah. But it didn't give me the option. to say both, Caleb. >> Both what? Homeowner and renter. owner. and renter. >> But you're at least in the real estate. market. That's what it's calculating. whether or not you're an owner. It's not. taking points away for being a renter. either. It's being in the real estate. market. You're so What are you? Okay, great. I'm I'm glad. Listen, I'll take. your quiz next. >> Okay. >> Okay. So, it gave you a score.

>> 1.79, >> which rounds to a two. So, you would. have been a two out of 10. Again, you. get yours to calehammer.com. It is free. See where you stand in the world of. finances. That's exciting. I'm glad you. have an issue with the score, but you. said one of the things you're focusing. on why you're is cuz you're trying to. socialize. What does that even mean? >> Yeah. So, um. >> you try to socialize. >> Trying to socialize? Well, because I am. 34 and I wanted friends, but also um a.

couple years ago I was dating someone. who made a much higher um wage than I. did. A much. >> What does that have to do with. socializing? >> He's very social. like he. >> Okay, great. He made more money. What. does that have to do with you not being. able to socialize? So, you're throwing. your life away to socialize. What's. socializing? You should have about. three4s of your income left, right? Uh. just about after your rent. Closer to. 2/3 maybe. I don't know. But even still, what is this socializing you're talking. about? You're dropping hundreds at a bar.

every night. >> Not every night. >> What the are you on about? >> Hundreds every weekend. But even still, that shouldn't destroy you with where. you're at of your needs versus. >> Yeah. If you're looking at just my base. cost, for sure, right? >> Yeah. So, that gives you wiggle room. So, what are you talking about then? >> Credit cards, man. They're killing me. >> Okay. Why are the credit cards killing. you then? Because even still, you. wouldn't be going in credit card debt. because you have enough money left over. to go socialize. >> Well, because the credit card debt.

existed before the socializing started. >> No. Why? Why? If what we're spending on. is socializing, how did they exist. before the socializing? >> Well, so like some of them exist for um. from moving and then like four of them. were taken out for a trip to Hawaii with. that ex. >> He made substantially more but didn't. pay for it. >> Yeah. Well, we were technically broken. up at the time. >> Where the did you go? Um because legally.

due to certain things he couldn't take. anyone else and he had already paid for. the flight and everything. >> Venmo you. Okay. It doesn't matter. I. mean I have a note that one of the. reasons you want to come on is cuz. you're in a new relationship. So we're. not talking about that guy anymore. anyway. You want to fix your debt so you. can get more serious. How long have you guys been dating? >> Eight months. >> Okay, cool. So you're wanting to get. more serious and you want to fix your. >> Yeah. Yeah. because he's really amazing. with finances. He pays off his credit.

card every two weeks whenever he gets. paid. He only. >> Why don't you? >> That's a great question. Um because. right now it's racked up high enough. that I don't feel like I with the. minimums. And. >> what does he know about your debt if. you're trying to get more serious? >> Um. >> 8 months in certainly financial. conversation by then potentially. >> I've tried to talk to him about it. He's. not really interested. He doesn't really. care. Oh, [laughter]. sounds like he really likes you. >> Yeah. I told him the situation with my. car and he's like, "Why? Why? Why are.

you telling me this? I don't care." And. I was like, "I mean, yeah, sure.". [laughter]. He just. >> You said, "Yeah, sure." Wow. That's uh. >> love. >> Oh, no. No. For sure. >> It sounds like Let's get more serious. with that. >> No, he just doesn't think that their. finances affect him. Am I desperate? No. Absolutely not. spending a ton of money. to socialize and you complained about. getting 34 and trying to socialize and. now you're compromising a guy who you. bring something you want to talk to. about to him. He says he doesn't care. That is a massive impact of your life.

I'm sorry. you sound desperate. >> Oh wow. No. Um. >> how else would you describe it? >> So there's this thing called the Seattle. freeze. It usually takes newbies a. couple of years before they start to be. able to get friends in Seattle. It's a. normal thing. >> It's a normal thing that happens no. other, you know, adulthood when you move. to a new location. You think everything. is very unique to Seattle, guys. It has. an east side. Guys, it's harder to make.

friends when you're adults and you move. there and you're not going to school. >> The on about you're you're one of those. people that thinks they're from a really. unique city. >> No. So when I finally did start making. friends, I tried to keep up with them. and they make exorbitantly more than I. do. >> Why'd you try to keep up with them? That's your choice. You're the oneing. it. >> Because I felt like that was what I. needed to do at the time. >> They would have judged you. What were. you trying to keep up with? What was. what was needed to What was being done. that you needed to keep up with? >> Um so going to concerts, events.

>> You could afford concerts and events. [groaning]. >> Your needs. >> Not with my finances. No. Well, no, no, no, no. But you're. suggesting why you're in these finances. are because of that. >> Yeah. >> So, that doesn't make any sense. You. would have been able to afford it. without putting them on credit cards, >> right? >> So, no, it's not because of your. finances. Your finances are there based. on what you've done, but you should have. been able to do that cash flowed. >> Yeah, you would think so, for sure. But. >> so, this doesn't make sense. Going to a.

concert every once in a while wouldn't. make a break. >> Every once in a while, like, okay, fine. >> Three to four times a month. >> How big concerts? Cuz concerts aren't. always expens. It's not huge. >> I mean, it's like Alltime Low, My. Chemical Romance, A Day to Remember, Coen Cambria. >> Yeah, I know. One. >> Wow. My Chemical Romance. >> Yes. >> Wow. Okay. Yeah. All Yeah. Just like Emo. CL Music. Yep. Yep. Yep. We got it. Okay. So, [laughter].

>> uh again, with the number you have, is. it a crazy number? No. But if we're. comparing it to the studio price you. have for your rent and then we budget. everything else in, you could afford. this. It would not have been What is. your debt? What is your total number of. debt that you try to tell your boyfriend. who you love who doesn't care? >> So I have about 56,000 in student loans. >> What's your total debt? >> 135,000. >> 124. And yes, there's a more mortgage in. there, which is incredibly cheap.

mortgage actually because the vast. majority of the debt is not the. mortgage, surprisingly, even though it's. $124,000. >> Okay, so maybe the only reason he finds. out what's going on with you is cuz he. sees this episode. >> Well, I told him before. >> after he said he didn't give a [ __ ]. Please stop talking to me. >> No. [laughter]. >> Well, >> no. So, I told him, "Hey, I applied for. this show. Um, I'm going to talk to. about my finances." And he was like, "Well, I don't think that they're going.

to accept you because your finances are. fine. They're going to be. >> he's good with finances.". >> And. >> is he. >> No, he just didn't know about mine. I do. a really good job of like hiding. >> Fine. Why do you love this guy? Does. this not scream desperation? >> I'm sorry. Does it not? >> No. >> How? >> He's amazing. He's gorgeous. He's the. best person I've ever met in my life. >> Never date. Best person you've ever And. he said, I don't give a [ __ ]. >> Stop. >> It wasn't like,

>> I want to hear about your car and I want. to hear about your finances. [ __ ] off. Wow. >> It was more like my finances weren't. important to our relationship. It didn't. impact our relationship. >> He said he didn't care though when you. brought it up. >> Yeah. So, when I brought. >> That's the best person you've ever met. That's why I think it's desperation. Cuz. why the would you stick with that? I. would never stick with that. When I. brought up the car, it was because I was. trying to warn him about the situation. with the car and he didn't Yeah. >> I didn't want him to see the show and.

not know about the situation. >> Yeah, the uh the car is an interesting. situation. >> I'm sure we'll get into it. >> We definitely will. But yeah, I just. wanted to warn him ahead of time so that. he wasn't like surprised and he was it. just wasn't it was a non-issue to him. Let me see what this man looks like. >> Yeah. Okay. >> And if we get his consent to put him on. screen, we will. But I want to see what he looks like. Even though technically in Texas, we. don't need consent. [laughter].

>> But. >> that's okay. We like to be respectful. >> Thought he was naked down under with us. [laughter]. >> Is he desperate? >> No. I'm also amazing. >> Can they see? Should I? >> You look so confused. >> Hold on to this. >> As long as you got it. >> Yeah, I'm in love. >> Hold on. I understand why.

>> he's in love, too. [snorts]. >> Yeah. So, in 2017, I got into a major. car accident and total both my car and. the other person's car. Um, >> credit. >> I got chased for 2 years by their. insurance company. >> Whose fault was it? It was mine for. sure. >> What were you doing you beast? >> Um, so in the city that I was in the. there were two lights that were less. than a block away from each other and.

when I. >> Also has never happened in any other. town. [laughter]. >> I thought it was odd. Um, but yeah, I. didn't realize that the second one was. red. [laughter]. >> Yeah. >> Okay. So, we should take your license. away cuz you're a [ __ ]. >> No. No. Uh. >> otherwise I'm a great. >> I don't feel sick otherwise other than. when I slammed into someone's vehicle. cuz I can't look at stop lights. >> Yeah. >> Yeah. So because of that. >> what. >> um they were assuming.

>> Oh and you were slamming into deer left. and right before that accident as well. That's great. >> My left and right. >> Yeah. You were just kept you kept head. you you slammed into multiple deer. before that as well. >> Oh. >> Oh yeah. The thing I just said had to. clarify like three times. So, my the. previous car um just for some backstory, the. >> Why did I your credit? >> So, the previous car. had um hit two deer in the same month. and ruined my radiator. They replaced.

the radi radiator covered by insurance, but it just kept leaking. So, I randomly. went and um looked at cars and ended up. buying a car uh that was way above my. price limit. And 3 months later, 2 days. after I paid the very first payment on. it, I totaled it. And uh the truck that. I ran into was worth 65,000 and my. insurance only covered 20,000. So,

25,000. So, um his insurance came after. me for 40,000. Um, they kept moving the. date for 2 years for the court and my. attorney suggested that I prepare for. bankruptcy. Told me to stop paying all. my debts. >> Okay. So, now we understand why your. credit. So, correct me if I'm wrong in. this. >> You got a car you couldn't afford. >> Yeah. >> You were a literaling [ __ ] and ran a.

red light and smashed into a car. >> Yes. It was an accident. Yes. It was a car accident. >> and then that your credit out of your. choices and moronicness. >> Yeah. >> Which prevented you from getting a place. that you wanted. So you milk the. taxpayer. So you making dumbass choices. equals you get funded by us. [ __ ] off. That makes no sense. That is not a. justification. That's even worse. You.

are a [ __ ] You don't know how to look. at stop lights. You are a [ __ ] and you. bought a car you couldn't afford, that. doesn't mean we have endlessly higher. rents TO FUND YOU. >> I WASN'T the one I wasn't the one who. set up that subsidy. I just. >> took it. >> The one who milked it. >> I just took it because it's there and I. qualify for it. So why not. >> milked it? >> If I'm not going to live there, someone. else will who drive. >> Trust me, I'm criticizing the system. And you. >> multiple neighbors of mine who park in.

the garage have Porsches. Yes, I know. this is and it literally everyone and it. has never worked in the history of ever. It has never been proven to work. Never. There's not a single rent control city. that has actually benefited the vast. majority of people. Small percentage of. course for the negative effect of. everyone. It's just a performative. policy. It's a virtue signal policy. It's one that sounds good. One that. sounds all moral but actually leads to. results that hurt the majority. And. that's all that matters in the end is.

what actually happens. not what sounds. good to advocate for. So, I don't give a. Look, private student loans can make you. feel like you're one mispayment away. from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No more sacrificing the. family jewels. They don't reduce you to. a credit number. They actually want to. see if you actually plan on paying. them." And by the way, they're providing. interest rates under 6%, which is. practically a unicorn in the student. loan jungle. I mean, some lenders want. to charge so much that you'd swear.

they're putting your first born on. layaway. Tired of monthly payments so. high you can't afford a single sweet. treat? Wire refi has got you. They'll. rearrange your payment plan, ease the. monthly hit, and even let your poor. co-signer off the hook. Mom or dad can. finally breathe. Oh, and if you think. you'll just get stuck in a call center, guess what? 4.6 stars in Google says why. refi actually picks up and treats you. like a real human. Shocker, right? In. finance, that's about as rare as me not. slamming the desk every single episode. So, if you're done fantasizing about.

robbing a bank, don't do that, by the. way. Check out Y Refi. They're here to. help you actually crush these loans. without selling your kidneys on the. black market. Head to yfy.com/hammer. That is yrefi.com/hammer. Or call 89733978. That is 89733978. and see how a real personal approach can. help you escape the private loan. nightmare. Because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. Want to know a dirty little. secret? And no, I'm not starting an. only. You're not broke because you suck.

with money. You just can't see where. it's going. If your bank account is. empty at the end of every month, that is. not bad luck. That is bad tracking. And. it's exactly why I use Dollar. It shows. you exactly where your money is going. every single month. Spending, subscriptions, and savings all in one. simple [music] dashboard. Everything you. need and nothing you don't. And when you. download Dollar today, you'll get a. drive for free, plus [music] three. months for just $9.99. So, you can. finally take control and see what your. money's been doing behind your back.

Click below to get started. >> Okay, so we'll jump in. I guess you have. a problem with the hammer financial. score. You have a problem with anything. else? >> Um, yeah. So, do you know Verat? of the. few things I know about him, I think he. advocates for renting over buying, which. honestly I'm on that board now. Market. has just beyond outperformed buying. So, at this point, it makes more sense to. rent. Um, >> and I'm sure he's a nice dude and people. like his book, so I'm okay with that.

And the money guy plan works, my plan. works, Dave Ramsey's plan works. I'm. sure Ray Meat's plan works. Follow whatever plan you want to. As. long as as long as it works, that's all. that matters. >> I'm trying. this. Well, then obviously. it's not working and you don't vibe with. this. So maybe you need a different. plan. Some plans work for others. Some. plans need some people need tough love. Some people need soft cuddling. Some. people need, you know, intellectual. talk. Some people need a nice little. goon sesh. Okay. Everyone is different. As long as you the end result is you get. better. That's all that matters in the. end. >> It said that my fixed costs are 84% of.

my income. >> Well, you've built all your debt up. You. tit. That's what happens. >> I know. I think my plan would have said. that too if I asked that question, >> which you don't. >> It's not a plan, it's a score. >> Okay, so your financial score sounds. like it was a two out of 10 rounded up. And if you want that, you can get that. at kaleammer.com, like I already said. But if you don't want to be like a guest. who ends up on the show, one, don't get. in a car wreck like her cuz it clearly. ruined her brain. But two, you can also. download the dollar-wise budgeting app.

Take the free trial, see if you like it, and if you do, sign up for the annual. version because you save a lot of money. when you do that, and then I'll. personally sign my budget friendly. cookbook and mail it directly to your. door. I usually have a copyright here to. hold up, but it appears to have been. stolen from me, so I don't have that, and that's okay. Dollarise.app and. caleb.com. Anything else you want to complain about. that you uh didn't take more than 30. seconds to think about before you did? >> No. >> What are you going TO SAY? DAVE RAMSEY'S. PLAN OF SAVING UP $1,000 before going.

into debt instead of having your highest. deductible paid for like the money guys. advocate for is actually more smart. >> Dear God, no. I don't like Dave Ramsey. >> You don't like him. >> I like the money guys. I like you. I. like Reat. >> You know, we all agree on 95% of. financial finances. >> Girl, you're a fan of this show. This is. the judgiest show that has ever existed. >> Okay, but you're like Goon judgy. >> Yeah, I'm goon judgy and he's religious. judgy. It's different. Yeah, it is. Okay. [laughter] It is different.

>> Okay. >> Capital One. >> Okay. Yeah. Capital one. >> Oh, man. Um, what's the balance on that. one? >> Wow. I would hope you know. Okay. $2,71.58. >> Cool. That's my platinum card. um that. was opened in 2022 because I had to. quickly move out of an apartment into a. another apartment. >> Why? >> Why? Well, because. >> they decided to stop subsidizing you.

because you make decent money and you. just blow the rest on concerts. >> I mean, not really, but kind of. >> Okay. Oh, >> so I didn't know that that was a. subsidized apartment. So, I filled out. the paperwork and I was approved. >> Good. And then three months later, they. came back and were like, "Oh, by the. way, you make too much and I had to move. out within 30 days." So, I was, "Okay.". Yeah. No, I was. >> I don't know if I'd kick you out. I'd. make you pay market rate until you could. transition. That seems like a pretty. brutal system. Um, I would just make you. pay market rate. But, okay.

>> But you had to borrow to move. So, listen, you're in subsidized rent, meaning you had a lot more money left. over. Why'd you have to borrow to move? >> Because I don't have any savings. I have. a really hard time saving money. >> Hard time. Why do you have a hard time? >> I'm kind of one of those people who I. make sure that all of my like minimums. are paid every month. Everything's paid. and then anything left kind of just. >> I do have a concern. >> Into the ether. >> ether. I do have a concern.

>> Yeah, sure. >> You said you've watched the show for two. years and it sounds like you've been. watching me. Is it Rammit or Remy? I. thought Re. >> Oh, okay. I always thought it was Rammit. uh before this, but I guess that is a. little more. Yeah, that sounds that sounds right. Okay, good. You've been watching him for. a while. You've known of Dave Ramsey for. a while. If you've been consuming all. these things and you've done nothing, what is this actually going to change. this conversation? Cuz you've been. watching the content. You've been see. >> the 50% that answer our annual quiz that.

um do better, you know, than vast. majority Americans who are in the. audience. Uh and then about 25% are. struggling and 25% are on their way. That's usually about what we see, you. know. So, they still watch the show. One, entertainment. Two, motivation. Surrounding yourself with money content, money, books, things like that. Keep a. people motivated to their goals. >> You've been surrounding yourself with. this [ __ ] for years and you've done. nothing. In fact, I'm seeing a snapshot. of last month and it's horrendous. >> Yeah. >> What the.

>> This year, I finally got to focus on my. mental health. And. >> what mental health? So, I don't want to. talk too much about that. Um, but it did. help me a lot to finally get my meds in. line. So, now I'm. >> Okay. So, you feel a little better this. year. That's good. Great. Well, that. we're at the end of the year, so. >> things are getting better. >> No. [laughter]. >> Um, no,

no, I see a late fee on this first. credit card is actually what I see. I. also see income coming in of basically. what you said actually a little more. It. must have been a triple paycheck month. Okay, that came in yet you still spent. more than that. Hundreds more in fact. So. >> yes uh believe it or not numbers. actually add up in equal. >> right. >> numbers and that's what the accountant. who went through this found. I know you. help with payroll but.

>> for sure no I totally agree numbers do. count. >> Yeah the amount of stickers on front of. it is not going to make the math work. more. Yeah. So, the reality of the. statements that we have, which is the. month, shows you bringing in $3,810.92. and total out. >> Wait, is was how much in. >> 3,810? >> Oh, okay. >> Of the statements that we have. statements that we have, >> 4,1852. went out. >> Can you tell me how much went to going.

out? Because listen, you're getting. better. How much went to going out to. eat? >> Yeah. Um, so going out to eat was about. 600. >> $528.79. >> Okay. And. >> so you wrote that down yourself and yet. you've changed nothing. >> Yep. >> That's an interesting strategy. >> In the last month, things have. definitely changed. >> Oh, the month I knew I was coming on the. show, almost like every single person in. the history of the entire existence of. this show. That means nothing. If you're. going on The Biggest Loser,

then it doesn't matter if you were. healthy for a month. Like, you know, you're coming on the show. So the little. that's why we do the previous month. because this is a real month. This is. what the life actually looks like. You're spending almost minimum a,000 on. [ __ ]. >> Reminder, we are subsidizing you. spending $1,000 on [ __ ] That is. unacceptable. You're milking the. taxpayer. You're making everyone's cost. of living go up in Seattle so that you. can spend $1,000 going out to eat and. doing miscellaneous [ __ ] I don't. think that trying to have fun and live.

my life while also being able to live a. more healthy lifestyle is necessarily. always [ __ ]. >> Hold on. I mean, I'm sorry. Listen, this. is a complicated position to be in. I I. I I I want to follow your rule for the. one your thing. >> Yeah. >> Right. >> Yeah. >> So, I'm not going to make fun of the. thing you chose. >> Yeah. Just don't. But you can say I'm. unhealthy. You can't say living a. healthier lifestyle. You You can't say.

that here. You can't lie. A gym. membership might be nice, but you can't. say healthier membership. >> Okay. Well, you can't say healthier. lifestyle when $1,000 went just going. and consuming [ __ ] You cannot. I. won't make fun of the thing. I follow. every rule that the guest tells us to. not do. She said, "Don't make fun of. it." So, I'm not going to. That's great. I respect everyone and you get to make. up your own rules. you cannot tell me that you are this is. being healthier. >> So at the end of July I completely. >> which by the way pause cuz I'm the.

interrupter. >> Um I apologize for that. Listen, I will. agree that yes, health comes before. finances. I've always said mental health. comes before finances. There's been. follow-ups where someone's mental health. got worse, their finances stay the same. I said focus on mental health before you. do finances. Physical health absolutely. does. We had a caller in to our Hammer. Elite Hammer Out show uh where someone. needed a surgery and I said, "Go into. death for it. You need this [ __ ] It's. not an option. You're blowing $1,000. going out and doing [ __ ] That is.

not health. If you pointed in here and. there was 500 on Ompic, I'd be like, I'm. okay with that. This is not health.". >> Can we take one minute? >> Uh take a step outside. Uh, welcome back and I'm glad you're. feeling better and we got some tears, anxiety tears, right? Okay. You know, and I wasn't gonna uh. >> I was just going to strictly move on cuz. I was like, "Oh, I don't want to trigger. her, but I have a note." I think Colton.

typed it that you wanted to explain. yourself more. >> Yeah. At the end of July, so middle of. July, I went on a trip to. um Worlds of Fun in Kansas City with my. best friend. And in 2023, I started. taking WGOI. >> and I lost 80 lbs. >> That's good. >> So then I had to stop it in September of. last year because I switched jobs. I. went from a job that paid 23 an hour to. my job now that may started at 30.

>> So why'd you have to stop insurance? >> My new insurance doesn't cover it. Yeah. And that's why I am not on them anymore. But I am just doing a total life change. At the end of July, I started I threw. out everything in my pantry that was. processed and replaced it all with whole. foods, >> which I appreciate, but that comes back. to where we ended. >> Right. >> You spent 700 going out to eat. >> I know. I also spent, by my. calculations, about 800 on groceries.

>> That's good. I'm not complaining. Did. you hear me call out groceries? Did you. hear me call out groceries? I didn't. I. complained about the going out to eat. If I'm not complaining about it, I don't. care about it. >> I complained about the going out to eat. >> Is that healthy? No. >> Well, hot pot is really healthy for you. >> Uh, really healthy? >> Are there other options of going out? >> Compared to other options? Sure. If. we're comparing getting going to a salad. restaurant versus going to McDonald's, of course. But it's still it's I go to.

Hot Pot. I like Hot. It's not like it's. still incredibly high sodium. It is. still a lot of things, >> but I have lost 15 lbs in the last 3. months. So, >> keep going. >> Yeah, I. >> keep that going. I mean, that's a win. >> for sure. >> But it's the 700 going out to eat. >> Yeah, absolutely. Um, >> budget health as well. >> Budgeting is so stinking hard. No, >> it's hard to start with the debt and. then move like get started, I guess.

>> Well, okay. What What's hard about. getting started? >> Um, just like. collecting everything. It's. >> your minimum payments. But it's that. difficult if you put it in a budget and. not like dollar-wise, though, cuz it. just tells you. >> Well, >> you get it all. >> I can't afford dollar-wise. So, >> no, that's a literal blatant lie. You. spend 700 going out to eat. It is. >> two bucks a month. [laughter]. Well, like I can't afford like. >> off. >> Hey,

>> I would like to explain to you it's a. podcast. >> Can I talk? >> You can, but that was a lie that you. can't afford it. >> Well, yes, but. >> this [ __ ] alone is 400. So, I like. >> what? >> Also, with my ADHD, out of sight, out of. mind. If I don't have it in front of me, I forget to do it. So, I have a budget. book. your subscriptions. You already. spend $47.39 a month. >> Yeah. >> So, yes, you can afford it.

>> Now, I understand that maybe you're. better pen on paper. That's okay. But. you can use that to set up cuz you said. setting up's the hard part. So, let it. automate, set up, and then write it. down. >> So, I did try setting up autopay. >> Oh, that's auto pay. I'm talking about. you said it's hard getting all the debt, you know, set up in terms of minimum. payments, getting everything. let the. app automate what everything where. everything is going and then just write. that down and then you can manage it. from there. But if you have the hard.

time of just getting it set up then. again let a system automate and write it. down. >> Well, I tried Rocket Money but it didn't. make any sense to me. >> Well, a lot of them have a higher. learning curve which I also agree is. kind of bad. So that's why we moved on. from Rocket Money and we support. Dollarise cuz it's much easier. >> So I tried Dollar at first. I was one of. those that like started it right. whenever it came out and it was real. buggy so I deleted it. >> That's already done. That's that's long. gone. >> I can try it again. >> Yeah, it's a completely different app.

It's not even close to what it was at. the beginning. >> It looks completely different. Everything's different. So, >> it's a winwin. You get money and I get. money. These are called affiliates and. you get that sweet sweet cash for. signing up for some amazing products. The first one is Chime. This is a. checking account that I personally use. and you get up to a $350 bonus with a. new Chime checking account and earn up. to 3.5% APY on your savings. And second, my investing app of choice these days is. Weeble and get a 2% match on all of your.

money that you transfer over. And. finally, sign up for automated investing. with Acorns. Typically, the signup bonus. is only five bucks, but with my link, you get $20. Ladies and gents, you get. money, I get money. Enjoy. Links are in. the description below. Is it just me or. did the holidays just sneak up on us. this year? One second. I'm judging. people for putting up decorations too. early and now I'm panicking because my. guest room still looks like a storage. unit and I've bought exactly zero gifts. Beautiful. But thankfully Wayfair. exists. It's your last minute holiday.

survival kit. I picked up a new rug, throw pillows, and a set of guest towels. because apparently paper towels aren't. festive. All shipped fast, all for way. less than I expected. And yes, the. delivery was free, even for the big. stuff. No dragging a dining table up the. stairs like it's 1847. Wayfair's got. everything. Storage for the post holiday. chaos, decor to impress the judgmental. relatives, and even kitchen gear if. you're feeling brave enough to host. I'm. talking gifts, guest prep, and holiday. mood lighting all in one place. Get.

lastminute hosting essentials. Gifts for. all of your loved ones and decor to. celebrate the holidays for way less. Head to wayfair.com right now to shop. all things home. That is w a yf air.com. Wayfair, every style, every home. Let's. get back to the podcast. >> But yeah, so paper and pen for me is. probably the best. Um but I definitely. want to try dollar-wise now that you. guys have fixed it. Like um my brother. for a long time. >> He really liked it. >> Yeah, it's cuz it's good. The whole.

engineering team over there working on. it. Last time it was a third party that. wasn't very good and that kind of sucks. and mistake on my part, but as long as. you fix mistakes, that's all that. matters in the end. >> Yeah. >> Listen, you have a late fee on here. >> Yeah. >> Why the. >> um so most of the late fees are because. of um the platinum card and one of my. milestone cards. I didn't realize that. they were due earlier than my other. credit cards. >> I thought you were on autopay. So, I did.

try to set up autopay for all of my. stuff. >> Hi. >> But then. >> 30 seconds, >> I made a payment on my student loan and. I checked the little box that says use. this information to set up autopay. >> Okay. >> 5 days later, they took out the autopay. >> Okay. >> It my account. >> What was the payment? >> Uh 260. So, it. >> you should not be in a position where. that make or breaks you with where. you're being subsidized and where you're. spending your money. 260 will you spend. 700 going out to eat? Like. >> yeah, >> that's you. That is not the student.

loan's fault. That is your fault. Your. spending behavior, your lack of. responsibility, your immaturity. It is. your fault. You've had two late payments. this year. So, okay, maybe that excus is. the first one. What about the other one? >> I don't know about the other one. >> Exactly. So, this is behavior. This is. you. This is not student loans. >> Yeah, but I'm trying to change. >> hundreds in interest this year so far. 30% interest rate. Um, okay. I asked my. mom about like how like what I would. have learned from her about finances and.

she. >> would have learned from her. >> from growing up like being around her. I. was like, "How'd you handle your. finances?" And she was like, "Well, um, we didn't have savings. I didn't have. 401k, but everything was paid for and. you had what you needed." And that's. kind of like how my life has been so. far. >> Good. >> No, I'm saying it's not good. That's how. it's been and I want to change that. >> Okay. When did you hear that from her? >> Last week. >> Oh, okay. I was going to say if you. heard that growing up like. >> Yeah, I asked her. I was like, "Hey, mom. I know that like we never had money.

for like doing a lot of stuff. So, I'm. just curious how you handled your. finances." And she said basically, "Oh, man. You're going to love this." So, my. mom's first husband, uh, the father of. my two older siblings, died when my. sister was two. >> Wow. I love that. >> So, she got social security death. benefits from that. She didn't have.

savings. >> You're crying. You're anxious. You're. sad. So, I'm sorry for saying this. >> No, no, go ahead. >> But why the does your mom matter right. now in this conversation? I don't give a. [ __ ] about how she runs her finances. It's not you. what we learn as children. with finances. >> You only learned how she ran her. finances a week ago. >> But I knew we didn't have money. I knew. she didn't have savings. >> So, >> and that's I'm just saying. >> Shouldn't that encourage you to want to. have savings? When I saw foreclosure. notices, when I saw having foreclosure.

notices when I was grow dude, you're 34. When I saw foreclosure notices on my. house. >> when I was growing up, that meant when I. was 23 starting to finally learn what. like money is, I was like, "Oh [ __ ] I. don't want to be that." That's why I. fixed my ship by what? 25 26. I don't know. Learning at 34. Okay. Okay. This is a firm. >> Yes. >> At a 25% interest rate. You got Amazon, Samsung, Bluetooth headphones. >> That's what we need to be financing when.

we're getting our [ __ ] together. >> Yeah, we're really getting our [ __ ]. together with that. >> Yep. I needed headphones for my hour. walks three times a week. >> No. >> No. your Bluetooth headphones that were. more expensive than you could afford. No, >> I mean they were part of you don't need. them to go on a walk. You want them for. your walk. >> Okay. Well, they were part of a bundle. with my watch. >> Bundle that you can afford. Did not need. your watch. >> Well, the Samsung one is on 0% interest. >> Okay. It's a minimum payment. You can't.

afford your minimum payments. You did. not need it. You did not need that Aura. ring that I see around your finger. >> It's actually the Samsung ring and I. paid for it with my FSA card. >> Okay. So that's. >> well that is money going from your FHA. that could be used on an annual checkup. and whatnot. >> Already did I put 3400 a year in my FSA? It is still your money. Just because. it's tax advantage doesn't mean it's. free money. >> Do you think I should lower my FSA then? Cuz I max it out every year. >> We're not saying that. But you're still. spending that money on something that.

you did not need. >> FSA is used it or lose it. >> Could have spent it on JLPs. I was going. to, but it was not financially uh. >> but a. >> a good idea. Had to use those funds. >> You did not need to get Bluetooth. headphones. >> True. So, >> or the watch. >> I got the watch because I swim twice a. week for an hour and the ring does not. track your swimming laps. >> Do you hyper need to track it though? You already know what you're doing. Put. it in. Put it in.

me. >> Yes, you can track things. You know how. most people track their workouts? Well, a lot now on Garmins and [ __ ]. Absolutely. Absolutely. But you know. what we've done the vast majority of. time when since we've had phones, you. put in how long you worked out at what. level of resistance or effort and then. it just does like what it thinks your. calories is. Is a perfect No, but you're. still tracking your workouts. You don't. I'm saying you don't need. >> measures that though. >> I know it does. I'm saying you don't. [laughter] need it.

>> I don't know how to measure it without. it. How do I measure my heartbeat while. I'm swimming? >> No, no, no. Cuz it's not going to be an. exact 100% calorie, but it is going to. be in a very good range where you Google. if I'm this height, this weight, this. age, and I swam at this effort, this. pacing for this long, how many calories. did I probably lose? Boom. Import it. You're good. >> I mean, >> and then you didn't just spend money you. can afford. Listen, it's not the worst. It's not the worst. I'm not dying about. it. But the thing is, you're trying to. justify this. You're trying to justify. this. You're trying to justify this.

You're trying to justify everything. If. we justify everything, I'm saying you. Okay. If you got one of them the watch, cool. We'll call it there. You're. justifying everything. >> It was a bundle. >> You didn't need to get the bundle. My. gosh, lady. Okay. Your minutes of. payments are like 100 bucks a month. Uh, pull up your Amazon cuz you're buying. things on Amazon, too. >> Hold on. I have to sign in because I. deleted it so I couldn't access it and. then I downloaded it again for you. So, just a sec. While she's pulling that up, I'll say on the Merrick Bank, we got. $95623,

which is maxed out basically. Minimum. payment $41. >> Oh, fees. It's an annual a monthly fee. Okay. >> Mer. >> with interest for focus on your Amazon. >> Oh, sorry. [snorts] four years to pay this off if. we do minimum payments only which is. what we do and don't purchase which I'm. sure once there's ability to purchase we. will hundreds of interest as usual. so much closed.

>> good that's good cuz you're not a credit. card person okay we got lots of meal. prep containers I'm not freaking out. about that a little concerned you didn't. have them but that's okay. >> um if you see they're returned because I. spent $120 on them and then I found them. on Facebook Marketplace for. >> $24 pens and aesthetic booksho. classicalico Columbia. >> That was for my chia pudding. >> Okay. Leather repair patch tape kit. >> Oh, I got a free office chair for my at.

home office for work because. hybrid. >> and it's really nice chair, but it just. had a hole in it. Whiskers. >> for things leather repair kits. >> braided band. >> watch. >> I don't need commentary. Thank you. >> Well, >> these aren't the worst. Most of them are. things like toilet paper tissues. This. is okay. This isn't the worst. Lots of. all of a sudden chargers and cords that. came out of nowhere. That was We were in.

an era. And then there's some We got. cases for our Bluetooth Samsung things. There's the Samsung Galaxy AI smart. ring. How much did that cost? >> Bundle. >> I think about 350. That was not part of. the ring. >> That was on the FSA, Caleb. >> It's still your money. It's. >> use it or lose it. So, the only option. >> But you know, you have more things to. use it on. We've already talked about. them. >> But I still have money. [screaming]. >> Yay. Good. It's not the worst, but it is. a lot of things.

>> It is. >> What was the Merit card used for before. it was closed? Merit card was the trip. to Hawaii last year in May. Yeah. Um so. we went to Hawaii for a week. We stayed. at uh his company's house and um we went. with six other people. two of which are. tech bros who make like 500k a year and.

my ex who's also a tech bro and is at. like 250 a year. >> and so I had to pay for my own food and. that's where I was going. Okay. Oh my. gosh. >> So I opened a credit card so I would. have the funds available because I'm. glad the the city of Seattle and. everyone's rents went up endlessly to. subsidize her Hawaiian vacation. Well. done Seattle. Maybe I need the mayor of. Washington on so I can tell these for. these policies because at least when I. had the governor of Michigan on, they. don't have it's illegal to do rent.

control policies because it discourages. building in their city. >> in in the cities in Michigan. >> Well, with all the construction I see, I. don't think they're not building. >> They're building a lot slower than. demand though. A lot slower than demand. Why do you think the cost of living is. so substantially higher there? I thought. it was just because people make more. >> But that makes sense. >> They're often correlated though. Yes, people make a ton in San Francisco. Silicon Valley, but they have to. They. have to because they have to afford.

minimum million-dollar shacks because. they won't build density in Silicon. Valley. >> Crazy. >> And also like nimbies, right? >> Yes. What do you think Seattle and rent. control basically is? >> Yeah. >> Okay. Yeah, you're taking advantage of. it. Very good. uh milestone. What's going on with this? Because it's. basically maxed out. $91049. >> Yeah. What I was saying, >> interest acrewing, minimum payment 46, which is what you're doing, takes 3. years to pay off. >> Um, what I was saying earlier is I have.

always very much been the kind of person. who like makes the payment and then. spends what's left like what you just. freed up. >> So, yeah. Didn't we already basically. see that firm in Capital One? Yeah. >> Yeah. Um, so. >> that's still happening. Not I have been. You are. >> That's Yeah. [snorts]. >> So closing's a good step cuz I would. close cards that you cannot manage. >> cuz again it's the hammer that's. swinging back hitting you in the eye. >> I was trying to pay them down and I was.

I just kept on. >> everything including your firm. >> As soon as I pay them off, I'm planning. on it but it's getting hard to get them. paid off and I don't know where my. money's going. >> Well then obviously that's noting. working. >> Okay. So, this is new. I just did this. But my usual. >> when he's going. >> My usual is this where I just write down. my month my bi-weekly. >> I'm sorry. Your system's not working. Listen. Yeah, you went super girly with. it and it's cute. We love it. But it.

doesn't work for you. So, I don't give a. [ __ ]. >> So, I don't know what else to do, though. >> We've already discussed it, dude. Use an. automated app. Even if it's you're less. inclined to look at it, set reminders. for yourself. >> They exist for a reason. And why do they. cost money? Because every single account. you connect automatic costs us money. So, it has to cost money. Trust me, the. margins are not as great as everyone. thinks they are. Most budgeting apps. lose money. In fact, we know one of our. competitors, Monarch, loses his money. At least we have a slight profit margin. Oh, they're pretty big. But,

>> um, yeah, >> I kind of have a plan. >> for a 35.9% interest rate. What's your. plan? >> Yeah. So, >> this next one's over, maxed. >> Yeah. So, I'm selling my house. >> Good. >> We'll talk about it later, but. >> yes. >> Uh, it's worth twice what I owe on it. >> I hope so. Where are you getting that. information from? >> My realtor. >> Not good information. Okay. >> And also Zillow, but I know Zillow is. >> It's not great, but at least it. aggregates.

>> data a little better than a realtor who. might just be trying to sell you on it. >> Yeah. >> Okay. Okay. Well, that'd be nice. So, I'm hoping, >> well, that's a debt payoff plan, but. that's not a sustainable debt payoff. plan because again, that's like. bankruptcy or consolidation without. changing the behavior in the first. place. And I see last month's of. behavior is still spending $1,000, which. is uh over a fourth of your income on. [ __ ] at a minimum. By the way, it's. probably closer to a third. We'll see. So, would I immediately destroy all the. equity you have in your house to build. all your debt back up again? I wouldn't.

necessarily suggest show. You can say. you're different, but I've seen it on. this show every time someone's tried to. do that. Well, I already closed all of. my credit cards and deleted all of the. apps off my phone except for the ones. that I had to redownload. >> It's a good start. I'm not saying it's a. bad step. If you don't change your. behavior for proven 3 months before you. do this, though, >> then I wouldn't do it cuz it needs to be. sustainable. Exactly. It needs to be. sustainable. Everyone can delete Door. Dash from their phone. I need to see. what it looks like over the course of a. few months before you jump. >> Come back on the follow-up show and do.

that. So, why are you over the limit on. the second milestone card? >> Uh, late fees because I didn't realize. late. >> I didn't realize it was due earlier than. my other cards. But also, also, I found. out recently. >> You're talking about autopay. >> because I don't have the extra money. chilling in my account to. >> Yeah, you spend a,000 on [ __ ]. >> I know. >> You say you you have some reasonable. talk throughout this conversation. You. look at your decisions you're doing. right now. This makes no sense. >> Yeah. Like I don't like you you say some. reasonable talk to not get push back and.

I appreciate that but like what the look. what you're actually doing. That makes. no sense. Oh, I didn't have $45. Off. 107. Well, no. It's cuz you were late. >> Yeah. Also, the late fees over the last. couple of months are on purpose. >> They're on purpose because since they're. closed, I did the thing where I called. them and asked them if they could lower. the interest so I could get it paid off. >> Uhhuh. >> Except that's the late fees. For the. past few months, I've had a late fee. almost every month this year. >> So, that one, they lowered it to 0%.

interest because it has been late so. many times. My other two cards with that. same company. >> Why was it late so many times? I. understand the past couple months. It's. been all year. >> It took It was. >> all year. >> I had it set up to come out on my second. paycheck of the month, not realizing. that it was due. >> All year. >> Yeah. I just realized it a couple months. ago. >> So, it's like looking at stop lights. Is. this incapable? Sure, if that's what you. want to say, Caleb. >> Well, [laughter] I mean, it's been all. year. You weren't seeing anything. happen. You're writing it all down in.

your fancy little books. Yeah. Which. >> obviously doesn't work. >> The fancy little book is just writing. down what is due during that paycheck. And then I go in and make those. payments. >> You don't check if you ever make the. payments on time. >> I wasn't at the time. also. So, that one is now 0%. um so I can pay it off. But the other. two are not eligible for the 0% because. they've never had a late fee. So for the next 3 months, those will be. late because I would rather have the 0%.

interest. >> How late though? >> Um it just less than 30 days. >> cuz it could. hit as a missed on your credit. >> No. No. Yeah. It'll only be like they. send me a notice saying it's late, I go. in and pay it. Absolutely not wanting it. to hit my credit. I hope so. Based on. how you manage things, if you actually. manage that appropriately. Very curious. I feel like your pain was really really. hard over the last several years to get. my credit where it is. So, I don't want.

anything to hit it. It's not great, but. it's 622. >> Pulled up from like 520. >> Trying, Caleb. I'm trying. $61851. on this Destiny card. Almost maxed out. again. 21 minutes to pay off two years. basically. $43 minimum to payment. What's going on with this card? >> Uh originally open for Hawaii and not.

just by. >> two cards. >> Oh, four. >> Great. Multiple late fees this year. Are. we surprised? No. >> Close and stuff like that. >> 36% interest rate. >> Yeah, it's insane. Concor the company. who owns those three cards. >> Uh it's kind of like. >> I don't know just crazy interest rates. that I never thought were even possible. >> Credit one. >> Yep. >> The worst of the worst. What is going on.

with this? >> So that one I actually closed it um. several months ago. >> Okay. You've closed the back. They sent. me a notice asking if I wanted to. reactivate it. >> Yeah, they want your money. >> I felt like I was doing better at the. time. >> And see, this is the concern with all. the good talk she's had. But the good. talk like I'm going to I'm fixing. I'm. fixing. I'm fixing. She just did this. She thought she fixed it like a month. ago. Then she reopened and it dude, no.

You can't do this. You can't give me all. that good talk, that good selft talk. when you literally just proved a month. ago that it didn't work. >> I know. That's why I recloed it. Caleb, >> you asked for it, and I'm delivering a. way to connect the dots to see how the. stuff we talk about applies to you, your. money, your debt, [music] and your. goals. The wait is over because Master Your. Money, my all-in-one personal finance. platform, is [music] finally live.

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master your money, click below and get. started today. Guys, just real quick, don't forget to take your Hammer. financial score at calebammer.com. See. where you stand, where you got to do. better, WHERE YOU'RE DOING [ __ ] LISTEN, it just takes a few minutes and it is. free. Figure out where you stand in the. world of money. Caleb.com. Yeah, I'm. glad you did. But I'm talking about how. you immediately thought you did better. after like a month. So you reopened it. Then you it now you're going to sell. your house. Goes, "Oh, we fixed it. We're fixing it. I'm going to pay it off. and it's all going to be good." No. You. just proved you can't do that.

>> No. That's why I have a plan in place. And I'm not ever going to be a credit. card person. No matter. Okay. So, I have. co-workers. I have a co-orker who I told. him I closed my credit cards and he. looked at me. He said, "How are you. going to pay for anything?". >> Yeah. I don't give a [ __ ] about your. coworker. And multiple people have said. that to me. I'm like, >> I don't care about them. >> Debit card. I'm just saying this is like. the Seattle attitude, >> guys. It's the Seattle attitude. Got to have credit cards. No one else.

thinks that. You're weird. [laughter]. You. Why do you think that only happens in. Seattle? East side. Uh, making friends. in adulthood after school, using credit. cards to buy things. Well, only in. Seattle. >> No, I maybe it's a Missouri [laughter]. thing. >> It's an everywhere thing. Everywhere has. all of those things. >> I had never heard before people only.

spending on their credit cards and then. paying with their checking accounts. That's not something that, >> okay, >> I knew existed. Like, they don't use. debit cards at all. Who does that? Do Do. you do that? >> Yes, of course. >> We live very different lives. >> Yeah, you're. >> I know. >> I'm not. We do. I fixed it. >> I'm trying to fix it. >> Yeah, I know.

>> We'll do. Maybe. >> Well, I hope you do. Of course, but like. this the way you talk about things is. concerning me. I'm trying to be with. your exactly and optimism is okay, but. blind optimism is not because you're. kind of setting your you know what. you're doing. You're taking the W before. it's happened. >> Okay, >> there is there there was some report or. study done on um uh we've already talked. about weight. So like uh essentially. it's been like you go up to someone.

after you've dieted from New York. You're like I'm on a diet and you. already get that win that you would have. felt if you actually actively diet and. worked out for a few months and someone. said wow you're starting to look good. You immediately get that win even though. you've done nothing. You're getting the. win of saying I'm going to work on it. It's going to get better instead of. actually putting in and getting the. results. >> Yeah. >> So that's why you're doing all this. selft talk and all this positive talk. and all this listen optimism is okay. I'm not saying don't be optimistic, but. you're already accepting the win before.

you've even done anything because we see. here and it's only an L. And your actual. behavior and spending that you've done. and are doing at this exact moment are. only an L. >> Yeah. >> Not a win. >> So, I think that my mindset has changed. a lot. >> Cool. Mindset, not behavior. So, I don't. care. >> because. >> I'm sorry. I'm not gonna hand a win to. it. I'm not just just for the sake of. being a nice. >> then I don't care what you're saying. >> Okay. I'm sorry about that. Like just. because you're crying too and I'm sorry. like I am not going to just sit here and.

treat you different. Right. I'm not. going to I'm not going to because your. mindset has changed excuse the behavior. not changing. >> Like I'm not. >> I'm not I'm not trying to excuse. I'm. just trying to explain. >> But the explanation is to cope. >> Okay. >> It is a preemptive victory a preemptive. victory lap that has not been earned. >> Okay. So do. >> wait. Do it. Come on the follow channel. follow. Get them on the follow-up. channel and it'll give you all the high. fives in the world. No, no, no. I'm not. telling you what you're supposed to do. I But I will tell you what you shouldn't.

do. And what you are doing throughout a. lot of this conversation, and we've. honestly probably cut some of it cuz. it's been absolutely obnoxious, is. you're you're. >> What are you crying about? >> I'm It's just. reverberations from earlier. It's I'm. not upset. >> Okay. I feel like you're. >> It's just anxiety. No, I get it. I, as. an anxious person, I get it. I really. do. I understand. Every single time I. say, "Hey, this is bad." YOU'RE LIKE, "WELL, I, YOU KNOW, I'VE 100% changed. and I'm changing and I'm going to change.

it and everything's changed." It's not. And I'm not allowing you to take that. victory lap because it won't result in. anything cuz you know what you in your. brain wants from that. And what you're. hoping for is a high five walk out the. door. Like that's what you're. instinctively wanting. You're wanting. the positive benefit that comes before. the change has been actually provided. that provides the hands like the high. five. Come on the follow-up show, show. that you've done it in the behavior and. I will give you a high five. You can't. come on here say I'm changing. It's. going to change and everything's great.

while everything on paper is completely. and expect a high five. That is not. going to happen and I'm not going to. allow it. And it's that's a bad way to. live. >> because that means you will never. actually go and do the work to get the. reward of actually feeling good cuz. you're already feeling good telling. yourself you're going to do it. >> Okay. >> So minimum monthly payment on here is. $59. >> Yep. >> Uh interest fees. Yeah. You only paid 30. towards it. >> Oh, is it credit.

and a late fee? Well, >> which was taken off because you a late. fee. So it is usually 30 taken off that. time. We've had fees this year like. crazy. Interest this year like crazy. Over the credit limit if I'm not. mistaken. >> Great. Okay. Capital One Quicksilver. What's going on? >> Um so that was a Walmart card um that. was transferred over to Quicksilver. So. only ever used on groceries. Um I have. since closed it because I would make the.

payment and then go get groceries and. >> subize. the transactions. I'm having a. transsection right here at Walmart. It. just happened. It's I'm glad you did. everything like the day before you came. on the show. [laughter] Like, I'm sorry. This is what you just did. You just. purchased at Walmart. Interesting. >> What's the rate on that one? >> 30.99. IRS. >> Yeah. >> What? >> They say that I didn't file in 2018. Um,

but I've never not filed. >> I know. Not correctly. Clearly. >> Yeah. So, it's that. >> Is it ever your fault? >> I mean, it's my fault that I didn't file. for sure. It was. >> I'm just saying that I didn't realize. that I didn't file. >> Okay. Sure. >> I'm not trying to say that any of this. isn't my fault or it's. >> Well, you just said, "But I file every. year." So, >> No, I said I I have filed every year. I. didn't know that I didn't file. Okay.

2019 was. >> It's only 558. You spent more on. [ __ ] last month. You could have. killed this. >> Yeah, >> but I thought you fixed it. I thought. you fixed everything. [laughter]. >> Well, whenever I do my weekly, like my. bi-weekly budgets, it doesn't feel like. I have the money to do that. >> cuz you spend it all on [ __ ]. >> Does your bi-weekly budget tell you. that? >> No, it just tells me I have like $200. left over after my fixed cost. I don't.

think your cute little pamphlet is. working. Then. >> you might be right, but I I want to. change that and I want to do better. >> There it is. Well, which I appreciate. it. I want you to as well. That does not. excuse that this just happened cuz. that's what every single guest will say. on repeat when they can't handle push. back. I know what you want. Congratulations. You are like, what? Okay, a question from me. >> Yeah, sincere. What do you want from me. when I tell you this is bad? what you. did was bad and then you say, "Well, I.

want to change it and do better.". >> Yeah. >> Do you want a hug? >> No. >> Because the reality is, cool. I'm glad. you want it. You're doing nothing to fix. it. So, I'm not just going to accept the. fact that you want it and it's okay. >> Well, I. >> like you you handle every piece of push. back with, well, I'm going to change it. I'm doing better. No, you're not. >> I tried to set up a payment plan for it, but it doesn't give me the option. >> You don't, Dude. You saved more than. this [ __ ] last month. You just kill. it. >> I know. I didn't realize that I spent. that much until I crunched the numbers.

when I was sending you guys the. statements. >> It's a late penalty. >> Wait, another IRS? >> All of that. >> Is this a separate IRS? >> Yeah, that's for this year. It's just. what I owe for this year. [laughter]. >> Good. Dude, what are we doing? Please don't tell. Why is there a third. IRS? >> No, that's the same one. >> Oh, amount passed through. You're. passing your minimum. No, that's just. the amount that I owe from 2024. 5366.

>> Why do I have $55522? >> That's the 2018 one. >> No, I have 558 and 555. I have two. separate balances. >> No, there's only one. >> Literally, from last year, you owe $53. and you haven't paid that. >> Well, no, not yet. I'm going to. >> Uh, she's going to. Okay, so she's. excused. OH, NOW LOST EVERYONE. SHE WON. FINANCIAL AUDIT. SHE WON. She gets RID. OF THERE'S NO PUSH BACK REQUIRED. WHAT?

I'M HOW CAN AFTER WE JUST HAD THAT. CONVERSATION YOU HAD ALL YEAR? [screaming]. >> IT'S THE 11TH month tomorrow. >> What? I'm going to you. >> Yeah, it's out of the answer I will ever. allow on this show in the history of. theing world. Especially from you at. this point. You're a repeat record. I'm. going to You should have YESTERDAY, THIS. MORNING, RIGHT NOW.

>> SHOULD HAVE, COULD HAVE. That's. hindsight 404. BUT YOU. >> ARE NOT GETTING OUT OF THIS conversation. from I'm going to You've had all year. >> Yeah. No, I'm totally fine with you. You. may have had a What do you want me to. say, Caleb? >> I'D RATHER YOU SHUT UP THAN NOT say. that. >> Okay, >> good. I'm going to No, maybe you could. tell me why you didn't. But don't give. me a cope. I'm going to when everything. here suggests no the you won't. Like I will not accept it as an answer.

You can tell me the why behind. something. But don't give me the cope. I. want to change. I'm going to change. I. am changing. When no. >> At the time I didn't have the money on. me. >> $55. >> And then I forgot about it. Out of. sight, out of mind. until I pulled the statements. I forgot. that it was there. They don't send you a. monthly statement. >> No, but they will garnish your wages. >> I don't even know, man. >> And I will be the one to process that. garnish. >> Your attitude on all this stuff. And the.

way you view the world is like it's this. is unhealthy. I I need I I might need you to change. your worldview before you change your. budget. How you interact with all this. I know you're trying to be positive for. the sake of positivity. That's all good. and well, but if it's resulted in harm, which it is, then I don't give a. >> So, I have kind of changed my world view. over the last 8 years. Wait, >> did you just hit me with a I just. changed again? >> No. No. Let me explain.

>> Okay. >> When I first started getting credit. cards in 2012, I had in my head that it. was um I was never going to pay it off. So, it didn't matter if it was maxed. out. I. >> They're all maxed out today. I know. >> Tell me how that has changed in two. years. >> How that has changed. >> You said you changed your philosophy in. two years about credit cards. And you. said back then you'll never pay them. off. They'll always be maxed out. 2. years later they're maxed out. >> Yes. So I used to just treat them like a.

utility payment. Just a monthly payment. that I had. And now when I. >> You're only making your monthly payments. right now. >> I know. >> [laughter]. >> I'm not saying that it's good, Caleb. I'm just. >> No, you're not. I'm not saying you're. saying that, but you're saying you. changed in two years. No. >> Yeah. I started watching your show and. I'm like, "Oh, shit." No. Yeah, you're. right. I need to take. >> And then you did nothing. >> Yeah. >> Okay. >> I know. I'm glad we went down the story.

[laughter]. >> You didn't do anything. Gosh, I feel. like I'm being mean, but you're just. you're giving me insanity to work with. Like, that was crazy. >> Yeah. >> Come on. Yeah, like I don't want to just. bully you, but what the [ __ ] was that? >> It's multiple changes of world views and. I need to change. >> multiple personalities. I can't tell. >> I mean, I am a Gemini 400. >> So, $2,4684. owed on this Chevy EV Volt. What's your. minimum monthly? >> Um, so technically the minimum monthly.

is 280, but I pay 250. What? You pay less. >> Yes. So, this car was purchased in. conjunction with my ex. >> uh last sends in. >> April. >> Okay. >> And uh he only accepts um 0% from me and. he just pays the payment. So, he.

>> Wait, he only accepts 0% from you? >> So, I What does that mean? I offered to. pay the full payment and he was like, "No, you're not going to pay the. interest on this. Just pay me$ 250 a. month." And he's just been slamming. down. >> So, this is his car. >> It's in both of our names. So, >> Okay. Okay. >> But I actually owe 10,750. on it. That amount is how much he's paid. off. And then once it's paid off, he's going. to transfer it into my name.

>> What ining death? I mean, I didn't buy a. brand new car when I needed a new car, Caleb. I went and got a used car and I. got a good deal on it. >> Oh my gosh, she just wants high fives. I. swear this entire conversation, you. literally just want high fives. Is it. cuz you're a fan of the show? I'm sorry. That's not how I'm going to treat like. I'm never going to treat someone like. that. I'm not going to treat you bad and. treat you bad, but I'm also not just. just because you're like the show. I'm. don't Don't come on here. if you're looking just for hugs and. kisses from me. I'm sorry.

>> Uh, no thank you. Um, >> what have you listened to yourself this. conversation? >> No, I'm. >> uh, do we have. >> I don't know what to say about that. Sorry. >> You don't have to answer. Do we have the. value of this car? Vince's not found. >> Um, >> well, >> well, the last time I looked on KBB, it. was 16,000 private. >> When was the last time? >> Um, 3 months ago. >> Okay. Equity position. Okay. What's the. interest rate on this? I know you don't. pay the interest difference, but. >> um I think it was 10%.

And he ended up being the signer on it. because the. >> You said you co-signed, I thought. >> Yeah. So, he's the main person and I'm. the co-signer. >> Okay. >> Um because with my credit, it was going. to be 18%. >> Now, you want to sell this house to. rapidly pay off your debt. But the thing. is, you're locked in at a 3.12% interest. rate. That's incredible. a $65,939. balance with a minimum payment of 62257. Now, that minimum payment is hard to.

stack in with everything else you have, even though it's low for a house. So, I. do get actually wanting to get that off. your books, even though your friend pays. for it, which helps. But what were you. going to say? >> It's just a pain in my rear end. I I'm. tired of dealing with it. It's um I just. had to spend another 6,000 last week in. plumbing issues. >> Yes, that is. See, again, >> so I'm just over the home ownership. thing. Even if I wasn't going to be. making 50,000 off of it, then I would. still want to get rid of it because I'm.

it was my backup plan when I moved to. Seattle and I've been out on my own 3. years now successfully. Well, semisuccessfully. Um, and I just don't feel like I need it. anymore and it's annoying. >> It's worth $1,222. by the way. Okay. >> The car little equity position about. 1,000 bucks and that is KPB. I'm. >> glad you found it. >> We found it. Total debt balance of what? Of what? What even is this? I don't even. know what this is.

>> That's a Perkins loan. Um, they're. directly from the university instead of. through the government. >> and it was for a study abroad trip. >> Where'd you go? >> England. >> Great. What a world of difference. >> Yeah, we were going to we were studying. Anglo-Saxon literature. So, >> oh, that really translates to the job. market. Okay. What is the minimum. payment. >> on that one? That one's in default. So, none right now. I didn't realize that it.

wasn't a part of the bundles of my other. student loans. And by the time I did. about it, >> it's a private loan. >> Yeah. I didn't understand. It won't get garnished unless you gave. them your information. You could talk to. Y refi. They're one of our people. They. help renegotiate your private loans once. they've gone into default. So, I'd check. them out. >> I didn't realize it was private. >> I assume it's from an institution. I. would look into it. Take a look. But. >> yeah, it's. >> okay. What do you owe in federal student. loans.

>> without this? Well, that's not our. federal student loan. 55,000ish. $55,349.13. >> for what? What was your degree? >> Bachelor's in English literature. >> Oh, good death. What are we doing? I. mean, my company really appreciates that. I have it because I write a lot of our. um HR related uh marketing stuff and. like. >> so can GPT. >> employee facing. documents. >> Okay. $25928.

minimum monthly payment. >> which hurts a lot and it just went. >> dude. It's probably half of what your. standard 10-year payment would be. So. enjoy it while you got it. >> It just went into effect in nothing in. that checking account. Savings $2.55. Okay. Okay. Capital One auto pay debit. $230. And that's going in and getting some. [ __ ] Okay. What are you stopping at. the market and getting for $3.74. constantly?

>> That's the cafeteria at my work. It's a. um Monster Zero. >> Oh, my lovely lady. Try this. >> I just ordered the uh sampler pack. >> Yes, the free samples. Yeah, which is. for free. Type in code ham hammer. Here, take this one, though. It is really. good. No more vending machine monster. Make it. I'm sure there's one that. tastes like a monster. They have so many. different flavors. 25 cents a serving. instead of stopping in and getting that. [ __ ] And also 10% off of that alone.

once you order the flavors you want. Link in the description below. Gamersubs.gg. Um, but yes, energy drinks at home. Oh, make them work. Shaky shaky shaky. >> Yeah, that's it is very good. >> This is for. >> really. Yeah. Okay. Yeah, cuz Okay. Monster Taco Bell. Taco Bell. Uh Clara. >> So, can I explain that Taco Bell? >> So, when I when I first started uh the. health journey, um I was trying to do intermittent.

fasting and I swam for an hour after. work. So I didn't So basically by the. time I got home with traffic, I was. going to be outside of my intermittent. window and. so I stopped and got power bowls at Taco. Bell and Naked nuggets from Chick-fil-A. because they were the healthiest options. I could. >> at the same time. >> No, no, they're I'm. >> can't speak for the Power Bowl at Taco. Bell. I mean, wouldn't like Chipotle or.

something be better? >> Is more expensive? I don't know what's Can Taco Bell really. be healthy? I don't know. The power rice. and beans. >> Okay. Corn monster energy drink. Dominoes. I know they don't got a. powerful Domino's. >> Just a crave. That was a crave. Yeah. >> Okay. Alaska in Air Flight also sounds. like a crave. >> That was the Got some [ __ ]. Electrify America. Amazon. Affirm. Affirm. Taco Bell. Taco Bell. Steam. purchase. Amazon. Laundry. Laundry is. okay. I'm okay with that. Amazon Prime. Netflix. Coca-Cola. Vending machine.

Charging. Charging. Yeah, you got the. EV. I You can't charge a home. >> Like I live in an apartment. >> They don't have charging. >> No. >> Okay. Then I wouldn't have got an EV. Zeling out money. Grandsboro Market. Taco Bell. Amazon. Yeah. Monster energy. drink. Monster energy drink. Monster. energy drink. 60. >> Okay, that was BS. >> Shake Shack. They do not have a power. bowl. >> Nutty squirrel. No power. >> No, but they have a no bun hamburger. >> That is the greasiest patty. Yeah. Yeah.

>> As a Shake Shack fanatic, >> it was a team lunch with the finance. department. >> It is the greasiest patty, I will say. Well, they also have a grilled chicken. sandwich. >> You're right. You're right. >> Yeah, I am. >> That would have been a better choice. >> Tap like a bar. Bun. Nothing. Bun cake. Don't have a power bowl there. Crunchy. roll. Energy drink. Taco Bell. Electrify. America again. Okay. What's Electrify. America? >> Uh, charging my car. >> Oh, >> yeah. [sighs and gasps].

Affirm. Affirm. Affirm. Shabarina. Shaborina. >> Um, typically my boyfriend pays for it, but uh, >> vending machine. >> The dessert. >> Okay. [ __ ] Energy drink. Uh, Department of Transportation. Chick-fil-A. Energy drink. Energy drink. Parking. Uh, bar. Bar. Dairy Queen. They don't. got a comparable bowl there either. Good. to go online.

>> Uh, good to go. >> PlayStation Network. >> Oh, good to go is a toll for the bridge. AC to Seattle. >> Warner Media. So, that's probably HBO, right? >> It was. Yeah. >> Steam purchase McDonald's. Wow. Okay. That's an insane amount of PH and a. chicken account. And then in this one. that started with $300 or Yeah, it. started uh I think that's rent and a.

withdrawal was rejected because you. didn't have enough money. >> Yeah, that was when the student loan. took out the. >> It was rejected twice. >> Yeah, but you'll see that there was a. payment of three something. I. >> was 5,900. Okay. Dramatically behind for. our age. >> Dramatically, >> dude. I know. I am freaking out about. it. Well, you should be. >> But I can't afford to put 23,000 in a. year. >> Well, no, cuz you spend $1,000 a month. on [ __ ] You're right. >> But even just be 12,000. So, I'm like.

>> 122,000 retirement. Oh, no. That would. definitely suck. >> Well, it wouldn't catch me up. >> Okay. It would be something. You My. gosh, what is wrong with you? >> Okay. Payments not including the. mortgage. And we're not including the. mortgage in here anyway cuz your friend. takes care of you. Even though you do. have expenses that pop up cuz you're an. owner of an home, which yeah, I would. get out of it if I was you as well. $734.33. Okay. Now, utilities, gas, electric, internet, all combined. How much?

>> Yep. Um, [sighs and gasps]. no gas, electric, and internet is 160. [snorts]. >> Okay, very good. Phone bill. >> $100. >> Okay. Gas, vroom, vroom, drive, drive. >> Um, I spend. >> 160 a month charging. >> Yeah. And then tolls. How much?

>> I am not doing tolls anymore. I'm just. driving. >> Okay. Necessary food, $300. Meal. prepping. Meal prepping. Meal prepping. TB fun. Anything else you need? And it's. 100 bucks. Medical, healthcare, co-pays, anything like that? >> FSA. >> Very good. Is there a gym? >> Um, no. because I wanted to give myself. >> What about the pool? Is that how much. for that? >> That's free. Um, my cousin works for a. hotel, so. >> subscriptions. Let's do 40 bucks. You. have any pets? >> Uh, no subscriptions, please. I already. canceled them all. >> Uh, okay. Not in there, but Okay. Pet.

insurance. >> Um, no. He's too old. Okay. I have a. >> How much for pet food? >> It's $16 every three months. >> What is it? >> $16. >> What is the the creature? >> Um, he's a Pomeranian mix. He goes he. buys uh he goes I buy a 8 pound bag. >> Okay. I'll say six bucks a month. >> Anything else that needs to be in your. budget that I have not taken in account? >> Uh my car insurance. >> Oh yes, please. How much? >> Uh 350. >> Okay. >> And.

I think that's it. >> You have uh $1,889. left over. And yeah, we're subsidizing. you. That's great. Okay. You get rid of. the mortgage. Yeah. I mean Yeah. give. her to the if you can prove. if you can prove that you can follow a. budget for two months, I will allow you. to take the money from selling a house. and pay off all your debt and then you. start contributing, get a fully funded. emergency fund, and then start catch up. on retirement cuz you got to. >> Yeah, >> that's pretty much the answer to the. question. >> Okay,

>> that's pretty much it. I'll get you a. course career certification if you ever. want that by the way to like let's get. you an accounting one. Maybe you can get. an accounting, make some more money. So, I'll get you that for free. Uh, we got. some interesting things to talk about in. the post, but I'm going to get the. hammer financial score first. >> Okay. Spending a budget, overspend, 0. out of 10. Debt, IRS, 0 out of 10. Emergency fund, >> nothing, right? >> Nothing. >> Zero out of 10. What was the retirement? 7,000. 8,000. >> Five. >> Six. Yeah, it was 6,000. [music]. >> Uh, dramatically behind. It's about a 2.

out of 10. Real estate, that is okay. Don't like that you don't live in it. Okay. But it's an actually pretty okay. house. Great. Interest rate 7 out of 10. I would have a primary residence first, but oh, and it actually lined up almost. exactly correct. So, looks like it did. work. You tip two out of 10. Hammer. financial score. Get yours at. kaleammer.com. Now, click that join. button and join us for the post show. There's a lot of things to talk about. She owes the person that's rented hering. house. She owes MONEY TO. OKAY, WE'LL. TALK ABOUT that at the post show. Click.

the join button now. an extra 20 minutes. of every single episode in the Financial. Auto Post show, including three premium. shows posted every single day, Monday. through Friday. Join Hammer Elite now. I. will see you in the post show. Yo, your. tenant money. What does that even mean? >> When she came to Seattle last fall to. see me, I told her that I would pay her. expenses while she was here. >> You can't even afford to take care of. yourself. >> I wanted her to Seattle life. >> Well, the city of Seattle is paying for.

flights. Camera Elite is the best. YouTube membership on the platform, and. I just upgraded it. New dedicated. premium shows every single day, Monday. through Friday. Join with the link in. the pinned comment or description below. This is the best membership you'll ever. join, and that's a promise.