AI Summary
5 min readBree, a 26-year-old receptionist from Houston making $42,000 a year, came on Financial Audit insisting she was better off than the show’s typical guests. She had $15,586 in debt, a negative savings account, and a story: her ex-girlfriend was the reason for all of it. Within minutes, host Caleb Hammer had pulled up her bank statements, and the story began to unravel.
The Debt and the Denial
Bree’s financial picture was bleak. She earned $42,000 a year as a receptionist, but her outflow consistently exceeded her income — the previous month she spent $3,279 against a payroll of $2,461. Her debts included a $4,771 personal loan at 12.8% interest, a $6,712 car loan, $932 in medical debt, student loans, and a maxed-out Cash App loan of $600 that she was already past due on. Her savings account was negative $35.15. Yet Bree insisted she was “not as bad as the average guest.” Hammer pushed back: “You’re not better than them. How can you say that? You owe to your savings account. That is you.”
The Ex-Girlfriend Defense
Continue reading the full summary in the app — free to try.
Read Full Summary →Free • No credit card required
Never miss an episode of Financial Audit
Get every new episode summarized in your inbox — free, ~5 minutes to read.
No spam. Unsubscribe anytime.
What you'll learn
- 1 (01:51) **Guest Introduction: Brie, 26, from Houston** - Brie works a receptionist/order-taking job at $20/hour ($42k/year) and says her "keeps getting me in trouble."
- 2 (04:16) **Blaming the Ex vs. Personal Responsibility** - Caleb challenges Brie's claim that her ex is the sole cause of her debt, noting she is still spending on "bullshit" months after the breakup.
- 3 (10:09) **New Boyfriend and the Cheating Allegation** - Brie's ex accused her of cheating with her current boyfriend, whom she started dating within weeks of the breakup.
- 4 (16:12) **Caught in a Lie About Spending** - Caleb catches Brie admitting she spends leftover money on herself to "feel good," contradicting her earlier claim that it all goes to debt.
- 5 (20:52) **Hiding Debt from the New Boyfriend** - Brie reveals her new boyfriend doesn't know about her debt because his last relationship had financial issues.
- 6 (33:19) **Live Call with the Boyfriend** - Caleb calls the boyfriend to reveal Brie's financial situation and the fact that she hid it.
- 7 (39:29) **Additional Hidden Debts Revealed** - Brie admits to a $2,000 broken lease fee and that her ex is threatening a lawsuit, all hidden from her boyfriend.
+ Full timestamped outline available in the app
Guests on this episode
Show Notes
*OOOOOOO I CALLED HER EX THAT SHE CHEATED ON* The confrontation was absolutely crazy, you need to see this post show, watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *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 ============================= *Check Out My Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 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 01:00 Job & Income 02:20 her WHAT 05:50 professional victim..? 09:28 ooooh she cheated loool 16:48 bro thinks shes better than everyone.. 21:25 i love lying in my relationships!! 26:40 wdym whats the point of retirement? LMFAAO 31:25 lets call the boyfriend (he knows nothing) 43:35 she LIED to him about being on Financial Audit too??? 55:40 gawk gawk do be helping 01:06:35 grandma be moving crazy LMFAAO 01:15:00 her entire family moves crazy wtf 01:26:30 bullsh*t bullsh*t bullsh*t 01:29:56 Budget!! ============================= Want more content? ============================= 🍿
More from this podcast
Financial Audit →