Caleb, I gotta say you really are helping people. Some hit my car, unfortunately totaling it. Insurance isn't giving me much for it, and had just left my job the day before. Thankfully, after watching you I set aside enough money in an emergency fund and started a car fund, which now I have to use to get a new car and am starting a new job soon. Your videos and advice were the reason I had this money set aside, for something like this. I am lucky to have had enough money set aside to afford a new car and to keep myself afloat while between jobs. I have no idea what I would have done if I didn't save up that money. And yes, I am buying the new car in cash so no monthly payments, and will replenish what I spent with the income from my new job (pay increase as well woohoo!).
Clarification on student loans (I'm a physician, very familiar with these): The ONLY student loans that stop accruing interest while in school are SUBSIDIZED Federal student loans. ALL OTHERS continue accruing interest.
Appreciate this comment. Attending school since July and for some reason I wasn’t aware of the type of loan I had. Will be paying down my interest during school now
Going 90k in debt while having a house and a successful business already bringing 80k+ makes me wonder what this business venture you want to start is.
Please listen when it comes to cash flowing school... Holding off a year if you have to in order to stock pile the money. That way you won't have to work OR if your painting or side job decreases for what ever reason you won't have to go into debt to finish your schooling. If you can avoid student loan debt, TAKE THAT PATH!
Hopefully he is just spending this year building the business, hiring a second person, handing off clients to them for >10% cut while he goes through school. Now that would have been a creative solution to cash flow grad school.
Caleb always has the perfect mix of humor and seriousness in these. That’s what makes this niche flourish in my opinion. Commenting for the YT Algorithm Pt.42
I make 60 - 80 $ an hour but don't actually know how much I make at the same time and eat 5$ pizzas , I should go into debt and make less - This guy . None of it adds up :$
Shoutout to fellow Ohioan! He is doing better than most at his age for sure. One thing that stood out to me is it would probably help him to have a separate business account/credit card to keep track of all his business expenses especially since he had many Home Depot purchases which some were personal some business
And Caleb is right, PT is not something to go into for money. I know multiple PT that are retiring and their multiple kids are passing on the family business.
He’s doing really well for his age salary wise but he just doesn’t know how to use it properly! Might make a mistake or two along the way but he will learn, hopefully 😅
@@CalebHammer i actually really like your color scheme of your office. Its inspiring me to do mine the same way. The navy with off white trim looks so good.
Definitely get with a cpa, they can tell you how much you should pay quarterly in taxes so your tax liability is not as high or even a refund at the end of the year.
Also, you will need to start differentiating personal and business expenses. Because currently if I filed your return I would be hesitating deducting any business expenses since they run through your personal card. Open up a business debit card or document better. Especially since you are renovating your own house, an auditor would kill you right now..
Dude should open a business credit card through like chase. Do all your business spending there. BOOM statements are easy tracking. Home Depot also asks you to put in a job code everytime you use a business card there. So you can say like "Client Xyz"
Maybe I am mistaken but if he takes home 6-8k a month, but needs to save 30% of that for taxes, doesn’t he owe in the ballpark of 20-25 grand in February to the IRS since he doesn’t pay taxes throughout the year? Wouldn’t it be smarter to ensure he can go through tax season without issue before full sending his private student loans? I fully support talking to a tax expert on this one cause I just would hate for him to pay the loans only to owe the IRS money, he seems like a nice guy and don’t want to see him get burnt. Sorry if i misunderstood anything here and love the content keep it up!
If you watched until the end Caleb literally mentioned that he didn't take taxes into account for his current savings and was going to email him after..
Wooo a fellow Ohio boy. Mortgage payment is 500 dollars with PMI meaning I put less than 20% down since it was a 3% interest rate so I could not advocate enough for the state of Ohio! And I’m in the NE area 2 hours+ from Toledo lol
You live in Toledo and don't go for Vito's? Inky's? Will say houses in Toledo are very affordable and making that money in Toledo he should be doing well. Very affordable city.
I don't see why he would put off starting grad school... he doesn't owe the full bill the first day of grad school. I also feel like you didn't account for what he needs for his taxes... where is that money coming from?
My question is what are you studying in exercise science that you could not access outside of college? I swear people will pay for anything that has the word degree behind it.
But wouldn’t it increase his employment opportunities? He said he focuses on high profile clients. Wouldn’t a client be more incentivized to recommend someone with the highest education over someone with a lower education? All physical results being equal.
I love how the 30+ year olds with no money, no job and hella debt get more grace then this young kid who’s doing so well for his age who’s getting shit for ordering Little Caesars 😂😂
because the 30 year old already took out the debt and is climbing their way out of it. Caleb is right, that if he cuts back on expenses to avoid $58k in loans that is the smart thing to do. Caleb even felt the house purchase was likely a mistake.
@@ariannaarias1631 oh hell yeah, I’m an engineer, it takes me 2 and a half salaries to make 1000 dollars. Take into account I am literally in the top 20% earners in my country.
You can make bank with private clients. During the pandemic, a relative made Bank going into special need kids’ homes and doing PT, including mine, although we got the family discount :)
@@TheTruthiest taking advantage? Are you kidding?? We were grateful to have help. These practitioners - PT, OT, Speech had too much work and worked crazy hours to fulfill a major, major need. Some even went behind their contracts to help out personally with families. We were beyond desperate for help, and super grateful for any help we could afford to get. You must not have profoundly disabled children to make that comment after what us families went through the last few years, My daughter worked four years to take her first steps, and that was taken from her, and we are so grateful for those that stepped up to help. The regression in my kids and those we know were heinous, bordering on criminal.
I wish Sallie Mae would shut down!!! Ughhh but anyways this guy is definitely on the right track. I’m glad he’s going after this true passion instead of being at a job he hates but yes I agree, go to grad school DEBT FREE!! Cash flow it for sure!
You're giving advice as a 9-5 philosophy vs a business ownership. Setting side 30% for "taxation" - you're missing the power of business ownership. Especially early on - you should be MAXIMIZING your business investment on growing the business. Remember a very basic concept - at least where the tax laws stands for now - You are TAXED only on the profit. So, if you have legitimate business expenses - for instance your set aside is $30K for possible tax, at least that's the profit based on your accounting tool - such as QB - he could pay it to uncle sam or he can purchase $30K in new equipment or there things that will assist in his business. As he has business expense, his tax can be closer to ZERO. He shouldn't give up this business in order to go to Grad school - cause at least he has something that's cash flowing vs. chasing on possibilities. Especially with the next few years of recession possibilities - having consistent cash flow then just a degree w/o experience. Lastly, going to grad is becoming the 90% of the population vs. working towards the top 10%. He can utilize the cash flow of these businesses to pay-off all his debt and in 5-7 years - his 30 and beyonds can be golden! Many cash flow generating business/jobs are BORING! You're repeating that activity - 10, 1000, 100000X - cause guess what - YOU MAKE MONEY! So, don't be delusion that a grad degree will improve your cash generation - don't forget - you already got a bachelor degree - how does that degree have a direct impact on your cash flow? The advice - invest wisely in your business - reduce your tax exposure. Work Friday-Sunday - GRIND! Focus on school Monday-Thursday. Guess what's - what's what being young! Caleb - I've dropped in on your videos here and there. Like the flow, you as well, get yourself immersed in the power of business ownership - it's the only legitimate early vehicle that optimize your tax exposure - it's not if but when you will pay. And if you can push out taxes for 10, 30, 50 years into the future - how great is that? Having $30K for instance for 30 years....what could you do with that?
BTW - like your student loan payoff recommendation - I had $18K coming out of undergrad 30 some years ago. Took 1.5 years, stayed at home with my folks and paid it ALL off along with my first car. After that, haven't gotten any debt or loans - personal or business. Don't get the myth of the debt trap. Remember when he takes money out of the business - yes that becomes personal income and will be taxed. But if he has business profit - you can optimize your tax exposure by investing into items that will grow the business in 2023. But make sure those transaction occurs by December 31, 2022.
I am an Enrolled Agent and will offer anyone a free consult. If you get behind on your taxes, it is a HUGE pain to get caught up. And the IRS doesn't easily forgive taxes as those places make it seem on TV. Ohio is bad for taxes. Look me up on the internet for my contact info. Seem like a smart guy. You just need a bit of coaching/education. I do like that he is a hard worker, which is something I can't say for several guests.
Caleb seemed jealous and salty about this guy’s financial situation 😂 At 22, you’ve already been so successful and definitely have a great future ahead, just remember to stay humble.
Babe wake up new financial audit
Literally what I was going to say
What's wrong?, you've barely touched your financial audit
Babe, Whats wrong? You’ve barely touched your crippling credit card debt + 8% interest
Cringe
Caleb, I gotta say you really are helping people. Some hit my car, unfortunately totaling it. Insurance isn't giving me much for it, and had just left my job the day before. Thankfully, after watching you I set aside enough money in an emergency fund and started a car fund, which now I have to use to get a new car and am starting a new job soon. Your videos and advice were the reason I had this money set aside, for something like this. I am lucky to have had enough money set aside to afford a new car and to keep myself afloat while between jobs. I have no idea what I would have done if I didn't save up that money. And yes, I am buying the new car in cash so no monthly payments, and will replenish what I spent with the income from my new job (pay increase as well woohoo!).
what car did you get in cash
@@qwertykaitlyn used ford explorer!
No gap insurance?
@@leri3365 gap insurance is only for when you owe money on a vehicle. i owned my car outright so would not apply to the situation.
@@kierstenbrowne ayyyy my first car! I miss that old gold boxy sunofagun
It’s because of you I paid off my Sallie Mae loan 5 years early ❤
🎉🎉
Technically its because of you. YOU took out the loans, not anybody else.
Talking to a CPA is the single best piece of advice. Speaking from experience, the IRS doesn't f--- around when it comes to business taxes.
Clarification on student loans (I'm a physician, very familiar with these): The ONLY student loans that stop accruing interest while in school are SUBSIDIZED Federal student loans. ALL OTHERS continue accruing interest.
Appreciate this comment. Attending school since July and for some reason I wasn’t aware of the type of loan I had. Will be paying down my interest during school now
unsubsidized federal student loans also dont accrue interest while in school
@@johnnymolyneaux2645 that is incorrect.
@@johnnymolyneaux2645 That’s not true…sorry!
@@109968shadowboy of course you didn't. Enjoy ur 4 year vacation
Going 90k in debt while having a house and a successful business already bringing 80k+ makes me wonder what this business venture you want to start is.
For a PT it’s probably a cash only business or travel therapy. Which will easily bring in over $100k either way
@@mitchberning1595 omg that’s great!! Rooting for you.
@@mitchberning1595 this is honestly a great idea imo, i have an uncle that does exactly this and he does really well from himself. Im rooting for you
Caleb rubbing his stomach with pure sadness when "4000 calories" is mentioned.
HAHAHA
December 3rd is my last private student loan payment! Graduated in 2017.
i graduated with no debt and 10k in my checking account.
Awesome. Good work getting it knocked out.
You are the real MVP, my lady!
Hell yeah!
Congratulations 🥳
I paid off all my loans in August 🥹
Congratulations !! A beautiful way to end the year ❤
😂😂😂😂 “brag about it” Caleb, you’re hysterical!
Please listen when it comes to cash flowing school... Holding off a year if you have to in order to stock pile the money. That way you won't have to work OR if your painting or side job decreases for what ever reason you won't have to go into debt to finish your schooling. If you can avoid student loan debt, TAKE THAT PATH!
Hopefully he is just spending this year building the business, hiring a second person, handing off clients to them for >10% cut while he goes through school. Now that would have been a creative solution to cash flow grad school.
Love getting the new upload notification when I’m working. Makes the shift easier uk
Thank you 😊
This man is well on his way to financial success! At 22!
Just a few things to clean up and get right!
I just paid off my student loans last month for my nursing degree (I graduated in 2016), and it feels so good!!!!
The whole food conversation was hysterical. Caleb, you are seriously so close to hitting your 50k!!! You're doing great!
Lmao “I’m 6’2 and weight 220 lbs,” to justify his eating out is the weirdest thing I’ve heard all day.
Seriously! I’m that exact profile, and there’s no way to sustain that - gotta get that bulk chicken and rice at the grocery! 😅
Caleb always has the perfect mix of humor and seriousness in these. That’s what makes this niche flourish in my opinion.
Commenting for the YT Algorithm Pt.42
Thank you :)
Caleb I need a podcast so I can listen to these during work haha!!!
I make 60 - 80 $ an hour but don't actually know how much I make at the same time and eat 5$ pizzas , I should go into debt and make less - This guy . None of it adds up :$
Shoutout to fellow Ohioan! He is doing better than most at his age for sure. One thing that stood out to me is it would probably help him to have a separate business account/credit card to keep track of all his business expenses especially since he had many Home Depot purchases which some were personal some business
And Caleb is right, PT is not something to go into for money. I know multiple PT that are retiring and their multiple kids are passing on the family business.
I look forward to your videos in the morning!
I had my private student loan discharged in court technically they just never showed up to court after trying to sue and I won
What were the grounds you sued on?
He’s doing really well for his age salary wise but he just doesn’t know how to use it properly! Might make a mistake or two along the way but he will learn, hopefully 😅
Caleb, just a suggestion..the lighting in your office would be better if a little brighter or strategically well lit . Great job
I’ve actually been purposely darkening it, because I thought it was too light to previously
@@CalebHammer ahhh ok
@@CalebHammer i actually really like your color scheme of your office. Its inspiring me to do mine the same way. The navy with off white trim looks so good.
@@CalebHammer keep it. It goes well with the Dark Mode on youtube
Already at 46k! So close Caleb
Almost there!
He would be considered a single member LLC which is considered a disregarded entity and therefore taxed the same as a sole proprietorship
I felt some real "you know who" energy in this one. Cashflow that college!
as a freelancer its so risky assuming the work will always come in steady
Definitely get with a cpa, they can tell you how much you should pay quarterly in taxes so your tax liability is not as high or even a refund at the end of the year.
Also, you will need to start differentiating personal and business expenses. Because currently if I filed your return I would be hesitating deducting any business expenses since they run through your personal card. Open up a business debit card or document better. Especially since you are renovating your own house, an auditor would kill you right now..
Shoveling a little Caesar’s pepperoni pizza every day can’t be good… 😂
Great advice! Great interview! I think he will do great over the next few years for sure.
Dude should open a business credit card through like chase. Do all your business spending there. BOOM statements are easy tracking. Home Depot also asks you to put in a job code everytime you use a business card there. So you can say like "Client Xyz"
He didn't need a house. He doesn't even know where he will be going to school yet. Also definitely get a good cpa.
Yeah at 22 way way too early.. so much can change in your 20s
He can always rent it out
@@risa-ru depends on his loan. He might have to live there a few years
@@NickVetter what about his loan? You can rent out after you live in it for at least one year.
@@risa-ru yeah and he just got his house and might end up in bowling green.
He ain’t gonna wait a year or pay off them loans 😂
Bro this show is sooo good I’ve been bing watching all of it
Maybe I am mistaken but if he takes home 6-8k a month, but needs to save 30% of that for taxes, doesn’t he owe in the ballpark of 20-25 grand in February to the IRS since he doesn’t pay taxes throughout the year? Wouldn’t it be smarter to ensure he can go through tax season without issue before full sending his private student loans? I fully support talking to a tax expert on this one cause I just would hate for him to pay the loans only to owe the IRS money, he seems like a nice guy and don’t want to see him get burnt. Sorry if i misunderstood anything here and love the content keep it up!
If you watched until the end Caleb literally mentioned that he didn't take taxes into account for his current savings and was going to email him after..
@@droid2D2C3P0 I see, I didn’t catch that there. Thank you for pointing that out!
Keep up the grind Caleb! Love this content
Thanks!
I will watch these everyday until I die!!!!!!!!!!!!!
Thank you 😊
Wooo a fellow Ohio boy. Mortgage payment is 500 dollars with PMI meaning I put less than 20% down since it was a 3% interest rate so I could not advocate enough for the state of Ohio! And I’m in the NE area 2 hours+ from Toledo lol
You should look at current housing prices. I live in NE Ohio too. You can't find anything under 250k that isn't a shack
And interest Is at 6%
Americans are so addicted to college debt and mortgage debt.
any debt. 4 small payments for something worth 20$ and starbucks credit card. you'll never be bored thus caleb cashing in
Not all of us
Caleb’s reactions get me every time lmaooo
I'm worried about his tax situation - he doesn't realize how high that bill is going to be. Wonder if he is keeping all his receipts.
An LLC wouldn’t really change the tax situation. It’s still all under his social
That math doesn't make sense. Meal prep and frozen food has to be cheaper.
Isn't the amount he mentioned for grad school REALLY expensive?
These are fun to watch, you have a nice personality Caleb!
I took a pill in Toledo
Hammer time!?
You live in Toledo and don't go for Vito's? Inky's?
Will say houses in Toledo are very affordable and making that money in Toledo he should be doing well. Very affordable city.
550 for a mortgage...... the things I'd do for that to exist where I am.
I live in ohio. You would have had to buy a house at least 5 years ago to have that mortgage. Average home is 300k here. Interest is at 6% !
Elephant in the room on your recommendation is the massive tax bill due in 5 months, april 15th is going to wreck him
He mentioned that at the very end that he forgot to take taxes into account.
Consider finding a GA position
=
Free tuition
Then paint as you can around studying
Toledo? Heeeeeey! My hometown! Good luck, fellow Rocket.
I don't see why he would put off starting grad school... he doesn't owe the full bill the first day of grad school. I also feel like you didn't account for what he needs for his taxes... where is that money coming from?
Savings. Cutting out expenses.
Hammer Time 🔨
Loving the daily videos!
I would end myself if I just spent 3-4 years and Thousands of Dollars on school and end up working as a Handyman…🤷🏻♂️🤦🏻♂️😂
As someone who burns a lot of calories too, little ceasers is definitely cheaper than store bought
haha he said "brag about it" 🤣
*Bleep* Toledo and go Broncos? Caleb, did you go to Western Michigan?
Caleb: Welcome to the sh-
Me: immediately hits like button
If you have a business, it's worth paying for a CPA.
kid is going to crush it
My question is what are you studying in exercise science that you could not access outside of college? I swear people will pay for anything that has the word degree behind it.
It's actually a doctorate degree so pretty big deal!
@@maryakpadock34 That doesnt mean anything……
A doctorate in a subject that is accessible on the free market has no value….
But wouldn’t it increase his employment opportunities? He said he focuses on high profile clients. Wouldn’t a client be more incentivized to recommend someone with the highest education over someone with a lower education? All physical results being equal.
This is Butters at 22. lol
Caleb shows are addictive and terrifying to watch lol
Another great video! Keep it up!
I love how the 30+ year olds with no money, no job and hella debt get more grace then this young kid who’s doing so well for his age who’s getting shit for ordering Little Caesars 😂😂
I think its because its little Caesars
because the 30 year old already took out the debt and is climbing their way out of it. Caleb is right, that if he cuts back on expenses to avoid $58k in loans that is the smart thing to do. Caleb even felt the house purchase was likely a mistake.
Cash is king!
Oh man I wish I get the thousand dollars, do you have any idea the humongous amount of money that is in my country?!
Didn’t even think about how the currency has a huge effect on how much of a difference $1000 can make in different counties… good luck! 😊
@@ariannaarias1631 oh hell yeah, I’m an engineer, it takes me 2 and a half salaries to make 1000 dollars. Take into account I am literally in the top 20% earners in my country.
@@GabrielPerez-ml2godo ur saying I can take my 40k usd and live like a king in ur country
@@greedojenkins9984 maybe not a king, but with 40k u could straight up buy a 2 bedroom apartment in the capital
PT OT Speech is the worst healthcare job by return on investment of schooling.
You can make bank with private clients. During the pandemic, a relative made Bank going into special need kids’ homes and doing PT, including mine, although we got the family discount :)
@@TheTruthiest taking advantage? Are you kidding?? We were grateful to have help. These practitioners - PT, OT, Speech had too much work and worked crazy hours to fulfill a major, major need. Some even went behind their contracts to help out personally with families. We were beyond desperate for help, and super grateful for any help we could afford to get.
You must not have profoundly disabled children to make that comment after what us families went through the last few years, My daughter worked four years to take her first steps, and that was taken from her, and we are so grateful for those that stepped up to help. The regression in my kids and those we know were heinous, bordering on criminal.
I wish Sallie Mae would shut down!!! Ughhh but anyways this guy is definitely on the right track. I’m glad he’s going after this true passion instead of being at a job he hates but yes I agree, go to grad school DEBT FREE!! Cash flow it for sure!
Is he house hacking? He could be paying his mortgage and making food money.
This is hilarious. 😆 Caleb is trying to hard to feel bad for this guy lmao
You're giving advice as a 9-5 philosophy vs a business ownership. Setting side 30% for "taxation" - you're missing the power of business ownership. Especially early on - you should be MAXIMIZING your business investment on growing the business. Remember a very basic concept - at least where the tax laws stands for now - You are TAXED only on the profit. So, if you have legitimate business expenses - for instance your set aside is $30K for possible tax, at least that's the profit based on your accounting tool - such as QB - he could pay it to uncle sam or he can purchase $30K in new equipment or there things that will assist in his business. As he has business expense, his tax can be closer to ZERO. He shouldn't give up this business in order to go to Grad school - cause at least he has something that's cash flowing vs. chasing on possibilities. Especially with the next few years of recession possibilities - having consistent cash flow then just a degree w/o experience. Lastly, going to grad is becoming the 90% of the population vs. working towards the top 10%. He can utilize the cash flow of these businesses to pay-off all his debt and in 5-7 years - his 30 and beyonds can be golden! Many cash flow generating business/jobs are BORING! You're repeating that activity - 10, 1000, 100000X - cause guess what - YOU MAKE MONEY! So, don't be delusion that a grad degree will improve your cash generation - don't forget - you already got a bachelor degree - how does that degree have a direct impact on your cash flow? The advice - invest wisely in your business - reduce your tax exposure. Work Friday-Sunday - GRIND! Focus on school Monday-Thursday. Guess what's - what's what being young! Caleb - I've dropped in on your videos here and there. Like the flow, you as well, get yourself immersed in the power of business ownership - it's the only legitimate early vehicle that optimize your tax exposure - it's not if but when you will pay. And if you can push out taxes for 10, 30, 50 years into the future - how great is that? Having $30K for instance for 30 years....what could you do with that?
BTW - like your student loan payoff recommendation - I had $18K coming out of undergrad 30 some years ago. Took 1.5 years, stayed at home with my folks and paid it ALL off along with my first car. After that, haven't gotten any debt or loans - personal or business. Don't get the myth of the debt trap. Remember when he takes money out of the business - yes that becomes personal income and will be taxed. But if he has business profit - you can optimize your tax exposure by investing into items that will grow the business in 2023. But make sure those transaction occurs by December 31, 2022.
Caleb can you audit my finances !!!
First time ive ever heard a frozen pizza is light on calories... Bruh
Most financially literate Ohio resident
HAMMERHEADS unite. You're changing lives and have easily become my favoirte youtube channel.
My Ford Fusion 2015 85K miles just died on me
Caleb, it's your fault 😂 I've decided to try mint mobile and if I like it my phone bill will decrease by half. 😂
(22:52) Go oooon.....😂
He should do weekend work and hire someone to work alongside and do weekdays for him
There’s no way a handy man will perfectly fit a job into one day/week.
RUclips if you don’t want me watching Caleb’s video, just say that 😅. RUclips keeps crashing on my end.
i live by myself at 18 and i genuinely think i can be good content and a challenge for you to help me out cause i live check by check
Well go to his email and apply to get on the show. Do the work.
I view Sallie Mae, the modern-day Don Colenro of student loan debt, and they will go after you, if you don't pay them.
You made the choice pay your bills
Waiting for 50k these past 6 months like….. lol
Nooooo more Zoom!!! Please :()
lil Caesars crazy bread bangs lmao
Winter. Brr.
Brrrrr
You bought a house?!
Think this young man is way too optomistic about his work situation while in grad school...
I am an Enrolled Agent and will offer anyone a free consult. If you get behind on your taxes, it is a HUGE pain to get caught up. And the IRS doesn't easily forgive taxes as those places make it seem on TV. Ohio is bad for taxes. Look me up on the internet for my contact info.
Seem like a smart guy. You just need a bit of coaching/education. I do like that he is a hard worker, which is something I can't say for several guests.
Maybe the cutest best looking man Caleb ever interviewed. at 6 3 , 220 blond hot body and smart also ambitious what a great combo!
Caleb seemed jealous and salty about this guy’s financial situation 😂
At 22, you’ve already been so successful and definitely have a great future ahead, just remember to stay humble.
I didn’t get that vibe at all lol sounds like some projection
Um what
Caleb First question everytime: How much do you get a month
Far too many people this far into the channel: Dunno ¯\_(ツ)_/¯
I refinanced my Sallie Mae loans with SoFi and it was the best decision I made
What rate did they give you and around where was your credit score? Also when did you refinance?