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Chapter 1: What is discussed at the start of this section?
To watch episodes of Financial Audit a week earlier, check us out on YouTube. What's popping up on these doom scrolls?
Stay-at-home mom recipes.
Stay-at-home mom recipes. You can't stay at home if he's bringing in $3,000 a month. I told him to get a second job. Get a second job so you can sit your fat ass at home?
I told him, like, he's lazy. I told him.
Chapter 2: How does the topic of income and jobs impact the relationship?
What?
How does it make you feel, Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably would have stayed with you?
I'm just trying to avoid child support because I don't know how heavy that kind of is.
Wow.
Yeah.
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All right, hi, I'm Jonathan. I'm 27 years old. Hi, I'm Melissa. I'm 27 years old. We're coming from Houston. And this is your financial audit.
Your financial audit? It's yours. Okay. Very good.
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Chapter 3: What are the implications of child support in this conversation?
Thanks for coming over from Houston. It just, it feels, I'll be honest, Jonathan, a little racist. We never get people from Houston, and the moment we do, it's a black man. And that just feels a little... Insulting? No, it's not insulting. No, why would it be insulting that there's a black man in front of me? That's not insulting. But it feels a little racist.
But we're not racist, so that's a good thing. That's a good thing. Well, let's see if Houston's racist with how much you make. What's your job, Jonathan?
Right now, I am working at Water Level Engage Company and Piping Company in Houston.
How much do you make?
A check?
How much do you make? Just what's your pay?
I'm 20 hours.
Okay, okay. Houston, you're doing okay. Okay, so that's fine. That's fine. You know, 20… Houston, depends where you live.
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Chapter 4: How does the couple's financial situation affect their marriage?
There's definitely some wealthy areas. There's some lower income areas. It's one of those like… Classic cities where you can get some affordable things in there, but it's usually just a little rough as well. 20 could stretch if you're in that area. Are we married?
Yes.
Okay, how many hours a week are you working for that 20?
I am working 40 hours a week. Okay, so what hits your account per paycheck? I would say roughly between $1,450 to $1,550. Okay.
Okay, we'll just call it $1,500 then. What is that, every two weeks?
Yes.
Cool, $3,000. Good. Melissa, what do you do? You're going to need to make a little bit more money to make this house.
I make $19,000 an hour.
No, that's okay. As long as you're bringing in, we're doubling this to like $6,000, we can survive. Well, what do you do?
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Chapter 5: How can I figure out my Hammer Financial Score?
If you want to figure out your hammer financial score, make sure you go to calebhammer.com. Take the assessment. It is free. See where you stand in the world of money. It's free.
Chapter 6: What budgeting tools can help improve my financial situation?
It takes a few minutes. See where you're doing poorly, where you're doing great, and how to get great from your bad position if you are. And if you don't want to be in that bad position for long, like the guests on this show, make sure you download the Dollar Wise budgeting app. There's a free trial to see if you like it.
And most people take the annual version after the free trial because it saves a lot of money.
Chapter 7: What are the consequences of borrowing money from friends and family?
And you get my personal 30-day detailed meal plan that breaks out every snack, every meal, every recipe, everything you have to do. And it comes with the digital cookbook as well so that you can budget your meals effectively. No more excuses. I will sign it and mail it directly to you. There you go.
I thought you canceled those.
The cookbook. The cookbook. Now there's the digital version of the cookbook that comes with the 30-day meal plan.
Oh, okay, okay.
Chapter 8: How can I better manage my spending habits?
Because I tried to get your cookbook, but as you can see, apparently $9,000 out is crazy. I think your cookbook is a little bit outside of our budget.
Well, I mean, it came with the annual version of the budgeting app, and the budgeting app would have saved you hundreds of months, so actually you would have. But either way, who has credit one? I need to know what's co-signed, who's on what. All that kind of stuff. Who's on Credit One?
Me.
Just you? Just you. He's not on it.
Okay. He used to be on the old Credit One.
Well, Credit One's like the worst of the worst of the worst of the worst. It doesn't get much better than this. Yeah. So tell me, tell me what's going on with Credit One.
So the old account, I overdrafted so much. Why? Because we were obviously living above our means, as you can see. Doing what? Well, back in the day. We used to, yes, back in 2023 or whatever.
And I know you're calorically excited.
But we used to spend a lot of money on weed.
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