AI Summary
5 min readIn the middle of a Financial Audit episode, Caleb Hammer looks at a couple and says: "This is the worst thing I've seen. You start at negative 15. Divorces, man." He is looking at a checking account that is negative $317. The couple, April (29, a server) and Sebastian (31, a college coach), make a combined $4,100 a month. They are underwater by $1,400 a month. They have two recent repossessions, a $30,000 collection, and an FHA mortgage on a house in Tyler, Texas that they cannot afford to sell. They almost finalized a divorce last year. And the thing they are fighting about most is a coffee cart.
The coffee cart that funds nothing
Sebastian coaches at a small Division I university in a conference Caleb has never heard of, making about $2,100 a month after taxes. April makes roughly $500 a week as a server at a new Mexican restaurant. To escape this, April started a coffee cart business four months ago. She sources beans from Honduras, makes homemade syrups like cajeta and pistachio, and calls her best seller "Hit the Crunch." She has done six events in four months. She used an Affirm loan — which Caleb calculates at roughly 36% interest — to buy supplies. The business is breaking even at best, meaning it is generating zero income while accruing high-interest debt.
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What you'll learn
- 1 (00:00) **Intro & Host Banter** - Caleb introduces the episode with sponsor reads and a pre-taped intro from April and Sebastian.
- 2 (02:15) **Couple Introduction & Income Reality Check** - April (server, ~$500/week) and Sebastian (D1 college coach, ~$2,400/month) are introduced. Caleb immediately challenges their low income and conflicting statements about finances.
- 3 (04:55) **The Control Dynamic & Communication Breakdown** - The couple argues over who is "controlling" with money. Caleb probes the dysfunctional communication pattern.
- 4 (06:53) **Sebastian's Unilateral Spending & "The Athlete"** - April reveals Sebastian spent money on a trip to watch a friend's athlete compete without telling her, including a casino visit. Caleb questions Sebastian's coaching role and priorities.
- 5 (11:00) **The Pathetic Side Hustle: Coffee Cart** - April's business (Honduran coffee cart) is exposed as a money-losing hobby. She reveals she took out a high-interest loan (Affirm) to fund it.
- 6 (14:56) **The Resentment Boils Over** - Sebastian criticizes April for not promoting her business enough (posting, networking). April says she's overwhelmed and doesn't have time.
- 7 (20:00) **Phone Audit: Time Wasted** - Caleb pulls up April's screen time: 8 hours on Instagram, 6 on texts, 4 on Facebook. He calls her out for not using that time to build her business.
+ Full timestamped outline available in the app
Guests on this episode
Show Notes
*I AUDIT HER RESUME IN THE POST SHOW* It was legit worse than Brint's hahaha it was the funnest crappiest things I've ever seen. watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer For the first time ever you can try NetSuite Next for free. Go to Netsuite.ai/HAMMER Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/CALEB #sponsored ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:30 Jobs & Income 03:30 bros just throwing her under the bus IMMEDIATELY LOL 09:15 D1 coach with little league play.. rip 12:10 her business is so special!! 17:00 bros cooking her HAHA 22:22 oh theyve split before... 40:05 okay i can see why he filed, im exhausted listening to her lol 46:02 whats bro doing on his phone?? 54:00 chat, is she
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