Caleb Hammer

When it comes to the big ones, like the $2,000 and the $2,000 and $1,300, yeah, let's do some disputes as we can.

But even still, just be like, yo, I got $1,000.

That's all.

Just keep doing that over and over again.

Never give them access to your bank.

And just...

You'll pay off this collection in a matter of months.

Then save up a fully funded six month emergency fund and then start doing 50, 30, 20, what you guys even can on your income in that cheaper area.

50% to needs, 30% on fun, which is a decent amount of money, 20% saving for retirement.

You'll be fine.

My goodness, I don't understand why you guys overcomplicated this.

It is because of your behavior, uncontrolled spending, because you guys can't communicate, which is what you guys actually need to focus on, which means go to couple therapy tomorrow.

Going to get the Hammer Financial Score, but remember, join us for the post show.

We are going to download that app and we're going to see what was being done on it.

We're going to let her look through your phone as well.

For the first time ever, it's going to be a groundbreaking moment.

Hammer Financial Score, spending in a budget.

We spent $4,648.

The income was $4,788.

Negative.