I Made His Wife Storm Off Financial Audit | Caleb Hammer Clips

Added: 2026-05-11

[00:00:00]The summer budget reset is now live. Get a full year of Dollar Wise Premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything.

[00:00:21]So, don't wait until that first pool party to get financially ripped. Click the link below, save big, claim your bonuses now.

[00:00:28]How do you plan it? Is it based on like How do you know what is uh left to do groceries? How do you know how much we can? So, um we do a lot of our shopping at Aldi because um they have for certain things and it saves us a lot of money by doing Aldi shopping.

[00:00:45]>> sorry. That doesn't answer the question though. How do you determine how much money you're able to spend on groceries though?

[00:00:50]I obviously go into like the pantry and look at what we have.

[00:00:54]And then he tells me like I'll tell him we need this stuff and he'll tell me we have this much money for it. Okay, so you are the one that essentially gives permission to spend money. Yeah.

[00:01:05]Why is it permission to spend money instead of being on the same page about what our financial situation is month to month and budget appropriately? I mean, I try to communicate it.

[00:01:15]Why does it fall on deaf ears?

[00:01:17]Why does that fail?

[00:01:21]My brain goes to the worst case scenario like the ship is sinking. Like that's what I've seen with my family financial history. Like um growing up like I only ever saw like conversation when it was bad. Yeah, same. Um so like that's all I really know. So, my brain goes to like like are we in like sunken ship territory?

[00:01:43]Okay.

[00:01:45]But you have the conversation. You try to have He's saying he tries to have the conversation and then you just don't hear it.

[00:01:51]Because some most of the time my brain will be like like are we as bad as my brain is making it? What is your brain making it? What What do you think you are?

[00:01:59]>> Like under the water sunken ship territory >> debt does the household have? What How much you, not you. How much debt does the household have?

[00:02:07]In what way? Uh get rid of the mortgage.

[00:02:11]How much debt does the household have?

[00:02:12]You two combined. Um we have the car payments.

[00:02:16]Including the family members, apparently. Um I'm not sure.

[00:02:21]Um This is important. We should be on the same page.

[00:02:26]Especially if you want to be like doom and gloom, which I kind of understand, uh you should at least know what the doom is, so you can gloom properly.

[00:02:33]>> I understand like the basics of like the plan he has and like what he's doing.

[00:02:37]>> much debt do you think the household has outside of the mortgage, so?

[00:02:40]Think. Just think. What do you think?

[00:02:42]What is your gut telling you?

[00:02:44]I don't quite know.

[00:02:46]>> just gut. What's your gut telling you based on the conversations you have? Hit me.

[00:02:49]I have no idea.

[00:02:51]>> A number. Come on.

[00:02:53]And I'm not going to take an an an answer. Based on the conversations you have, what would you think it is? If you had to do your best guess, your best guess. Like 11? Okay. Okay. 42 43,000 of bad debt, high interest bad debt.

[00:03:08]Or family debt, 43. Then there's of course the mortgage of 302, but Okay.

[00:03:15]So, we know what comes in.

[00:03:18]What went out last month?

[00:03:20]7,000 comes in.

[00:03:23]How much went out last month?

[00:03:25]What do you think was spent? This includes on debt. I'd like to hear from you.

[00:03:29]And then I would like to hear your answer. What do you think? I honestly don't know like right off the top of my head.

[00:03:34]>> So, it kind of makes sense that when he says that anything he talks about finances is just kind of whoop.

[00:03:41]If we're going to be doom and gloom, you got to at least kind of have any inkling of the numbers, right?

[00:03:49]What do you think was spent last month?

[00:03:50]Best guess.

[00:03:53]Like I have no idea.

[00:03:55]>> Best guess, dude. I don't I don't want to know. Just based on any conversations you have, what you've witnessed, what do you think went out? Including debt payments, including, you know, everything. Just everything.

[00:04:05]If I had like something in front of me, like I do best with paper, so You just told me you did bad with that at the beginning. So, like a few minutes ago.

[00:04:12]>> a paper and pen person. Like if I were to see it on a computer screen, then it's just like inside >> Really? Are you sure? Cuz I think you're a not answer the question kind of person. Uh just best guess based on the conversations you guys have had. He talks to you to you. You don't listen.

[00:04:28]What do you think?

[00:04:31]3 3,000. Okay, so 7,000 comes in, 3,000 gets spent total, even though your mortgage is probably close to that. Uh okay, and you?

[00:04:40]I mean, I think last month we had some repairs or something. So, it's probably like 7,500. It's not like we're >> 7,500? Okay, it was $17,159.03.

[00:04:51]What the are we talking about? Yes, that is doom and gloom, cuz that is apocalyptic, cuz that is bad. That is $10,000 that comes in on a normal MONTHLY BASIS. $10,000 more than comes home on a normal monthly basis.

[00:05:07]WHAT THE We uh >> Come on, you're the one managing the finances. You're supposed to be the big guy, the guy who knows, the guy to talk to her. Our uh you know, owning a home is great. We had our septic tank go out within a few months of us owning the home.

[00:05:21]>> Good, then you shouldn't get a home unless you have a fully funded emergency fund. So, we had to replace that, and while they were doing that, they nicked one of the AC lines. In total, we spent like 9,000 in repairs on on just the >> but even still, let's say 9,000 just went to the repairs, which who even knows if that's what that happened that month. We're going to find out. Still spent $1,000 more than came in outside of the repairs then, by your own math.

[00:05:47]We also had to uh uh We [snorts] had to buy a whole new like bathroom set because of all this the septic tank failed. So, we had, you know, an inch of water in our tub. So, I mean, I don't know about you, but I don't like to use toothbrushes and Uh listen, guys, I I don't know. I don't know. What's going on with this Discover card? What I can't tell is the balance from last month was big, but it was also paid off, but then you tripled it. I can't tell does this have a balance? Is it paid off every month?

[00:06:20]What is going on? Well, uh my grandmother paid off the card and then let us use it.

[00:06:28]Wait, what the What do you mean let you use it? Is it your card?

[00:06:32]It's in our possession.

[00:06:34]Is it in your name? No. This is in your grandma's name? You put 7,000 dollars on your grandma's name? Your grandmother?

[00:06:46]She allowed it.

[00:06:48]She's your grandma. What do you think she'd do? She's an old sweet lady. How old is she?

[00:06:54]70s.

[00:06:55]>> How how the dare you?

[00:06:57]That's disgusting. That is disgusting. I mean >> do that in Canada? That is disgusting.

[00:07:03]>> I mean, she believes that once she passes all the debt disappears.

[00:07:08]Credit card, yes. Uh but there's going to be certain things to potentially settle, especially in the state of Texas, if you're taking uh advantage of any assets she might have. Are you expected to get any assets? I don't believe so. Okay, then you wouldn't have to worry about the settling, but someone else might that is going to get her assets.

[00:07:26]So, you're passing this on to someone else that you're probably related to, potentially.

[00:07:30]Yeah, I'm fine. You're just playing with your little ball there. Are you here?

[00:07:33]Like I don't What the is going on?

[00:07:35]You're just looking down. Are Are you listening? Are you participating? Why the are you guys here?

[00:07:41]>> [snorts] >> Hello. I'm here.

[00:07:47]What am I doing here, dude?

[00:07:48]>> [snorts] >> I mean, we're obviously here for a reason.

[00:07:52]Is she?

[00:07:54]Does she need to be here, or should I send her to the other room?

[00:08:00]Huh?

[00:08:01]Don't.

[00:08:04]I got You're ruining my mood. You're bringing such dark energy to financial audit. The Does she even know what she's doing right now? You're just being miserable to be around.

[00:08:17]All right, I brought you a proper American style wife uh to sit in. Um he's a good bottom, so.

[00:08:26]He'll He'll pay for you for now.

[00:08:29]Okay.

[00:08:29]>> [laughter] >> Uh discover it. Again, this is what I tried to be on. I I don't necessarily know how to She knows what show she's on, right?

[00:08:40]Yeah. Okay.

[00:08:42]Don't you?

[00:08:43]I know what show I'm on.